KR101014368B1 - A payment method using payer id and payment device - Google Patents

Abstract

The present invention relates to a card payment method for allowing a card payment using a card lookup machine installed at any place regardless of the location of the card lookup machine using only the payer payment ID given from the service company server. Receiving a payer ID and card information from the payment, Detecting the claimant and the billing history corresponding to the received payer payment ID, Detecting the merchant information of the detected claimant using the received card information And requesting a transaction approval from a card company terminal using the payer ID, merchant information and card information.

Payer ID, Card Lookup, Merchant Information, Card Payment

Description

Card payment method and payment server using payer payment ID {A PAYMENT METHOD USING PAYER ID AND PAYMENT DEVICE}

The present invention relates to a payment method and a payment server using a payer payment ID, and more particularly, a card installed in an arbitrary place regardless of the position of the card inquiry machine using only the payer payment ID assigned by the payer from the service company server. The present invention relates to a card payment method that enables a card payment using a query.

If there is any commerce that creates a payment and receipt relationship, the flow of money will occur. The purchaser must pay the person who sold the price of the purchased goods or services. That is, the problem of payment and settlement always occurs between the buyer and the seller. In modern society, the settlement method of payment is diversified, so there is a method of payment in cash through current currency, a method of payment through transfer between bank accounts, and a bill settlement method in which a company pays bills. There is this. In particular, in Korea, the credit card industry is very developed, so the amount of usage and use of the card is very wide, and the card payment market for payment by credit card is well developed in many commerce.

In order for a card transaction to be established, two essential transaction information must be satisfied. The first is the card information (hereinafter referred to as 'card customer information') contained in the payment card issued by the card company for the purchaser (or payer) to use for payment. The second is the seller (or the claimant). Merchant identification information (hereinafter referred to as 'merchant information') issued through the merchant contract with the card company concerned. Of course, information such as the amount to be paid and the installment details (hereinafter, referred to as 'payment history information') is also required. This is a condition that is basically determined at the time of transaction. Therefore, for the card transaction, transaction information for the customer who pays with the card and the counterparty (seller) that the customer pays is required. Specifically, in order for a seller to pay the sales price with a card, a merchant contracts with each card company, and each card merchant number is assigned according to a predetermined method of the card company. This card merchant number enables card payment processing together with card customer information.

As such, when the purchaser pays the price using a physical card, a card inquiry machine under the management of the seller is generally used as a device for recognizing the merchant. That is, the seller to be paid must own and manage his or her wired or wireless card lookup machine. In addition, even in the case of an internet shopping mall, a payment gateway (PG), which is an internet payment program, must be used to prove a merchant or trade through a merchant service.

However, in order to make a card payment according to the above method, a customer who wishes to pay with a card visits a sales place and pays with a card searcher owned by the seller, or a merchant affiliated with a wireless terminal and directly purchases a buyer. There was a problem that the card payment can only be visited.

In particular, it is difficult to make payments between the payer and the claimant in person, such as national taxes, local taxes, various utility bills, mobile phone charges, school fees, kindergarten expenses, etc. Even in the case of transactions (B2B), there are many limitations in making payments using the existing card transactions as described above. As a result, the card payment is not activated in connection with the payment of utilities and living charges. there was.

In order to solve the above problems, the present invention provides a method that can be paid by the payment card for payment at any place using the payer payment ID without going through the card inquiry machine owned and managed by the claimant or seller. For the purpose of

In addition, the present invention is closely related to daily life, such as national taxes, local taxes, various utilities and mobile phone fees, school fees, kindergarten expenses, etc., it is difficult for the payer and claimant to make payments in person. The purpose of the present invention is to provide an easy way to make a payment using a financial settlement card.

In order to achieve the above object, the card payment method using the payer payment ID according to the first embodiment of the present invention comprises the steps of receiving a payer payment ID and card information from the card inquiry machine, the received payer payment Detecting a claimant and a billing history corresponding to an ID; detecting merchant information of the detected claimant using the received card information; and approving a transaction to a card company terminal using the payer payment ID, merchant information, and card information Requesting.

In this case, one claimant and the claim details correspond to the received payer payment ID, or a plurality of claimants and the claim details correspond to the received payer payment ID.

The detecting of the affiliated store information may be performed by retrieving the affiliated store number assigned by the claimant through the affiliated store application from the database for the card company recognized from the received card information.

In addition, the card payment method using the payer payment ID comprises the steps of: receiving a transaction approval response from the card company terminal; And notifying a transaction approval result to the card inquiry.

In addition, the transaction approval request is characterized in that the transaction authorization, including the card information, merchant information and billing history is transmitted to the card company terminal.

On the other hand, the first embodiment is a step of receiving a request for payment completion details corresponding to the payer payment ID through the ARS system and notifying the payment completion details corresponding to the payer payment ID received through the ARS system It may further include.

The first embodiment may further include transmitting a payment result corresponding to the transaction approval response to a payer terminal and a claimant server, and the transmitting of the payment result may include at least one of a mobile phone text message and an email. It can be made by the method. In the transmitting of the payment result, the approval details may be collectively transmitted to the claimant server or separately for each of the approval details.

The card inquiry machine may be at least one of a POS terminal, an ATM (CD) machine, and a KIOSK.

In the card payment system using the payer billing ID according to the second embodiment of the present invention, the method for providing a payer billing ID comprises the steps of: receiving a billing statement for each payer from at least one claimant; Matching and storing the billing history, generating a payer payment ID for each payer and storing the generated payer payment ID.

In this case, a plurality of claimants and claims may be matched to each of the payers.

In addition, one payer payment ID may be generated for each payer, or a plurality of payer payment IDs corresponding to a plurality of billers may be generated for each payer.

In addition, the payer payment ID providing method may further include notifying each payer of the stored payer payment ID.

Here, the notifying each payer of the stored payer payment ID may be performed by at least one of a text message, an email, and a bill sending.

In addition, the payment method for providing an ID for payment by the payer accesses an ARS system to request the payer ID for payment, and in response to the request, transmits the payer ID for payment to the payer terminal accessing the ARS system. It may further include.

In addition, the payer payment ID providing method may further include storing, by the claimant server, merchant information registered from a plurality of card companies.

In the card payment system using the payer payment ID according to the third embodiment of the present invention, the service company server is a payer DB for matching and storing the claim and billing details corresponding to each payer, for payer payment for each payer Receives payment ID and card information from the payment DB for the payer payment ID to store the ID, merchant DB for storing the merchant information registered by a plurality of card companies and the card inquiry machine, and corresponds to the payer payment ID Detect the billing history from the payer DB, detect merchant information of the claimant corresponding to the payer payment ID from the merchant DB using the card information, and then detect the billing history, merchant information and the received card information. It includes a service company controller for requesting the transaction approval by delivering to the card company terminal.

As described above, the card payment method and payment terminal using the payer ID according to the present invention has an effect that can be easily paid using the payment card for payment at any place using the payer payment ID provided from the service company.

In addition, the card payment method and payment terminal using the payer payment ID according to the present invention can use a variety of methods used for card payment to pay bills, etc. has the effect that the payer can arbitrarily select a payment method as needed. .

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In describing the present invention, if it is determined that detailed descriptions of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a view showing a schematic configuration of a card payment system using a payer ID according to the present invention.

Referring to FIG. 1, the card payment using the payer payment ID includes a service company server 100, a payer 200 having a card for payment 210, a card inquiry machine 300, a card company terminal 400, and the like. By the interaction of the claimant server 500. However, in describing the present invention, the card company terminal 400 refers to a terminal that automatically processes online operations performed by the card company, and the claimant server 500 charges the payer 200 to the subject receiving payment from the payer. Or a server managed by the subject.

First, the claimant server 500 provides the service company server 100 with information about a claim to be paid from the payer 200, that is, the billing information for each payer.

The service company server 100 constructs a required database using the billing information for each payer, and then generates an ID for payer settlement and delivers it to the payer 200 based on this.

Here, the payer ID for payment is identification information for the service company server 100 to retrieve information necessary for a transaction approval request from the card company terminal 400 from a database. However, the payer ID for payment indicates identification information necessary for the payer to make a payment at an arbitrary place using a card, and various embodiments may be applied. For example, a form that can be input through a card lookup device such as a series of number sets, a combination of special characters and numbers, and the like can be applied in various ways.

The payer 200 performs a card payment through the card inquiry machine 300 installed at an arbitrary place using the payer payment ID received from the service company server 100 and the card for the financial settlement used. Of course, the financial payment card is a concept that includes all of the financial payment cards that are actually used, including credit cards, debit cards, check cards or cash cards.

When the payer 200 performs the payment using the payer payment ID and the card, the card query 300 transmits the payer payment ID and the card information input by the payer to the service company server 100.

The service company server 100 transmits the billing history and merchant information read out using the payer payment ID transmitted from the payer 200 and the card information transmitted from the card inquiry device 300 to the card company terminal to request transaction approval. . Specifically, the service company server 100 makes a request for approval to the card company terminal 400 by using a card transaction approval request message including billing details, affiliated store information, and card information.

The card company terminal 400 receiving the card approval request from the service company server 100 determines whether approval is possible through the transmitted merchant information and card member information, and transmits the result to the service company server 100. The server 100 transmits the approval result to the card inquiry machine 300. The card inquiry machine 300 outputs the approval result received from the card company terminal 400 through the service company server 100 to complete the transaction approval procedure. Here, the approval result is made by outputting the approval slip together with the approval number received from the card company terminal 400.

Hereinafter, the card payment method using each component and the payer payment ID will be described in more detail.

2 is a diagram showing a specific configuration of a card payment method using the payer payment ID according to the first embodiment of the present invention.

In order to make a card payment using the payer payment ID according to the first embodiment of the present invention, the service company server 100 first constructs a database (DB) using billing information for each payer transferred from the billing server 500. Of course, the payer payment ID is generated based on the billing information for each payer. The service company server 100 not only delivers the generated payer ID for billing to the billing server 500 but also notifies the payer 200 individually.

Next, when the payer 200 performs the card payment using the payer payment ID, the service company server 100 uses the payer payment ID and the card information transmitted from the card inquiry machine 300 to provide the card company terminal ( Read the merchant information and the billing details for the transaction approval in 400) and transmits the card company terminal 400 as the card information and requests the transaction approval. And the card company terminal 400 receives the approval response and transmits the result to the card query machine (300).

Each process performed by the service company server 100 as described above will be described in detail through the relationship between the payer 200, the card inquiry machine 300, the card company terminal 400 and the claimant server 500.

First, the service company server 100 describes a process of generating and delivering a payer payment ID for each payer.

The claimant server 500 transmits the billing information for each payer to the service company controller 110 of the service company server 100. Here, the claimant server 500 represents various subjects who charge.

For example, in a physical transaction, the claimant could be a seller. With respect to utilities such as national and local taxes, the claimant can be a national agency, such as the IRS, which charges utilities. In addition, in the case of electricity bills, the claimant may be a claiming institution such as KEPCO.

Therefore, the claimant server 500 is not limited to any specific institution, and may be the case where the subject can receive the card payment from the payer by charging the fee.

In addition, although FIG. 2 illustrates one claimant server 500, a plurality of claimant servers 500 may be connected.

The billing information for each payer transmitted from the claimant server 500 to the service company controller 110 includes information regarding a payer, a claimant, and a billing history.

The service company controller 110 not only constructs a database DB by using the billing information for each payer transferred from the biller server 500, but also generates and stores a payer payment ID.

Specifically, each information is stored in the payer DB 122, the claimant DB 123, and the billing history DB 124, and matches each information.

The payer DB 122 stores information on payers who have to pay the bills to the biller server 500, and in the case of the plurality of biller servers 500, the payers for all biller servers 500 are stored by payer. do.

The claimant DB 123 stores information on claimants who charge for each payer stored in the payer DB 122. One claimant may be matched for each payer as well as a plurality of claimants. For example, when payer a needs to pay electricity, utility bills, and telephone bills, KEPCO, IRS, KT, etc. may be matched with claimants in relation to payer a.

The billing DB 124 stores specific information that each claimant bills for an individual payer. For example, if a is required to pay electricity, utility bills, and telephone bills, payer a matches KEPCO, IRS, KT as the claimant, and the bill of electricity bills, utility bills, and telephone bills for each claimant. The same claims may be matched.

As described above, when the claimant and the payment details are matched and stored for each payer, a payer settlement ID for each payer is generated and stored in the payer settlement ID DB. The payer ID for payment may not only assign one identifier to each payer, but also generate a plurality of payer IDs for one payer when there are a plurality of billers for each payer. For example, in the case of payer a, who is required to pay electricity, utility and telephone bills, one payer ID (eg, “111111”) can be created for payer a, and on the other hand, payer a Three payer IDs (eg, “111111”, “111112”, 111113 ”) may be generated for.

As described above, after generating and storing the payer payment ID for each payer, the service company control unit 110 notifies the payer payment ID to each payer and at the same time payer payment to each biller server 500 Pass ID details. In addition, the claimant server 500 notified of the payer ID for payment also notifies each payer 200 of the payer ID for payment.

The service company server 100 may notify the payer 200 of the payer payment ID for various applications. For example, a variety of methods can be applied, such as a bill delivery method, a mobile phone delivery method, or an email delivery method.

In addition, the service company server 100 establishes the merchant information DB 130 for each claimant. In order to establish the merchant information DB 130 for each claimant, the claimant 500 first makes a request for registration of a merchant to each of a plurality of card companies 400. To this end, the claimant 500 enters into a merchant contract with the plurality of card companies 400 to register a merchant. In this regard, the card company 400 provides affiliate store information in response to the request, and the service company server 100 constructs a card affiliate store DB 130 for each claimant using the affiliate store information provided by the card company. The card company 400 recognizes the seller as the sales affiliate information in a future card transaction.

Next, the payer 200 will be described a process of making a card payment using the payer payment ID.

The payer 200 inputs the payer payment ID notified from the service company server 100 or the claimant server 500 to the card inquiry machine, and reads the card for financial settlement using the card inquiry machine 300. The payer 200 may make a card payment using the card lookup device 300 installed at any place regardless of the claimant 500.

The card inquiry machine 300 transmits the input payer payment ID and the card information to the service company controller 110.

The service company controller 110 searches the database DB using the transmitted payer payment ID and detects information such as a claimant and a billing history corresponding to the payer payment ID.

In addition, the service company control unit 110 reads the merchant information from the card merchants DB 130 for each claimant using the detected claimant information and the card information transmitted through the card query. Specifically, the card company of the card used by the payer reads out the claimant merchant information corresponding to the payer payment ID.

The service company controller 110 transmits the card information input from the card lookup device 300 and the merchant information and the billing history read in correspondence with the input payer ID to the card company terminal 400 to perform a transaction approval request. do. Here, the transaction approval request may be made through a transaction approval message including the card information, the merchant number and the billing details.

In response to the transaction approval request of the service company controller 110, the card company terminal 400 determines whether the approval is performed, and transmits the approval result to the service company server 100, and the service company server 100 transmits the approval result to the card inquiry machine 300. ) And print out the slip, and the payer 300 confirms the approval result.

3 is a view showing the flow of the card payment method using the payer payment ID according to the first embodiment.

In order to make a card payment using a payer ID for payment, a claimant must first apply for a merchant to a card company and build a merchant information DB for each card company in the service company server 100.

To this end, the claimant server 500 applies to the card company terminal 400 card merchant. Here, the claimant server 500 applies for card merchants for all card company terminals 400 to be used.

Each card company terminal 400 receiving a card merchant application from the claimant server 500 establishes a member store registration and affiliate store number DB after examining the card merchant application. In addition, a fee DB for merchants is established.

The card company terminal 400 notifies the claimant server 500 of the card merchant information and the registration result after registering the merchant for the merchant application of the claimant server 500.

The claimant server 500 and the card company terminal 400 which are notified of the merchant information and registration from the card company terminal 400 register the card affiliate store information with the service company server 100, and the service company server 100 according to the card company of the claimant. Build a merchant information DB including the merchant number.

Next, the claimant server 500 transmits the billing history for each payer to the service company server 100, and the service company server 100 generates and stores the payer payment ID as well as constructing the DB for each payer. Here, the DB for each payer stores information such as payer, claimant, and payment details corresponding to each payer ID.

When the payer DB and the payer payment ID DB are established by the service company server 100, the server company server 100 notifies the payer 200 and the claimant server 500 of the payer payment ID. The claimant server 500 notified of the payer settlement ID notifies the payer settlement ID for each payer individually.

When the payer 200 is notified of the payer payment ID, the payer may pay the cost to be paid by using the payer payment ID and the financial payment card at any place. The payment process using the payer ID and the financial payment card proceeds as follows.

First, the payer 200 holding the card for financial settlement enters the payer payment ID into the card lookup machine at an arbitrary place and reads the card. Here, the card lookup device includes a key for recognizing an ID input for payer payment. For example, a separate key for recognizing the payer payment ID may be provided or a specific key for recognizing the payer payment ID may be specified among existing keys.

When the payer 200 enters the payer payment ID using the card inquiry machine and reads the card for the financial settlement, the card lookup device 300 displays the entered payer payment ID and the card information about the card for the financial settlement service company. Transfer to server 100.

The service company server 100 reads the billing details corresponding to the payer payment ID using the delivered payer payment ID. In addition, the service company server 100 reads the affiliate store number for the card company of the card used by the payer for the claimant corresponding to the payer payment ID.

As such, the service company server 100 that reads out the billing details and the affiliate store number requests a transaction approval from the card company terminal 400 using the billing details affiliate store number and the card information.

In response, the card company terminal 400 determines whether to approve the transaction, and transmits a transaction approval response to the service company server 100, and the service company server 100 transmits the approval result to the card inquiry machine 300. The card inquiry machine 300 which has received the approval result prints the slip and the payer confirms it and signs it.

In addition, the service company server 100 may transmit the approval result to the claimant server 500, and may transmit the approval result to the payer 200 through a mobile phone text message.

After the payer confirms and signs the card approval result as described above, the card company terminal 400 pays the biller 500 and charges the payer 200 for the payer 200 as in a normal card payment. Settle this.

However, when the payer makes a card payment, the payer may not only pay the entire billing details, but also partially pay the amount.

In addition, even after the payment is made, the payer may cancel the payment for the previously paid portion using the payer ID for payment.

4 is a view showing a specific configuration of a card payment method using a payer payment ID according to a second embodiment of the present invention.

Compared to the first embodiment, the second embodiment of the present invention has a difference in a process in which the payer 200 receives the payer payment ID. Therefore, a part different from the first embodiment of FIG. 2 will be described here.

In the first embodiment, after the service company server 100 generates the payer payment ID and constructs the payer payment ID DB and the payer DB, the service company server 100 notifies the payer 200 of the payer payment ID. However, the second embodiment does not automatically notify the payer payment ID.

In the second embodiment, the claimant server 500 transmits a payment notice to the payer 200, and the payer 200 connects to the ARS system 140 of the service company server 100 using a wired or wireless communication network. The payer 200 connected to the ARS system 140 requests the payer payment ID and receives the payer payment ID through the ARS system 140.

Here, the method of receiving the payer payment ID may be directly transmitted through wired or wireless communication, or may be a method such as an e-mail or a message of a mobile phone.

Thereafter, the payer receives the payer ID for payment and pays using the payer ID for payment and the card for payment. The same as the description of the first embodiment of FIG. 2.

5 is a diagram showing the flow of a card payment method using the payer payment ID according to the second embodiment.

The card payment method using the payer payment ID according to the second embodiment of FIG. 5 is different from the method of delivering the payer payment ID of the first embodiment of FIG. 3 to the payer.

Therefore, in the description of the second embodiment, except for the part in which the payer payment ID is notified to the payer 200 in the first embodiment, the technical features are the same, the payer payment ID is paid to the payer 200. Let's talk about the part we want to notify.

The service company server 100 receives the billing information for each payer from the claimant server 500, constructs a DB for each payer and an ID DB for payer settlement, and delivers a payment guide to the payer. In addition, the claimant server 500 may also deliver a payment notice to the payer.

The payer 200 receiving the payment guide accesses the service company server 100 through the service company ARS (Automatic Response Service) system, and receives the payer payment ID from the service company server 100.

Thereafter, the payer may pay in the same manner as in the first embodiment by using the received payer ID for payment and the card for financial settlement.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. The present invention is not limited to the drawings.

1 is a view showing a schematic configuration of a card payment system using a payer ID according to the present invention.

2 is a diagram showing a specific configuration of a card payment method using the payer ID according to the first embodiment of the present invention.

3 is a view showing the flow of the card payment method using the payer payment ID according to the first embodiment.

4 is a view showing a specific configuration of a card payment method using a payer payment ID according to a second embodiment of the present invention.

FIG. 5 is a diagram showing the flow of a card payment method using an ID for payment by a payer according to a second embodiment.

Claims (21)

In the service company server of the card payment system using the payer payment ID, Receiving the payer payment ID and the card information from the card inquiry machine; Detecting a claimant and a claim corresponding to the received payer ID; Detecting merchant information of the detected claimant using the received card information; And Card payment method using the payer payment ID comprising the step of requesting a transaction approval to the card company terminal using the payer payment ID, merchant information and card information. The method of claim 1, Card payment method using a payer billing ID, characterized in that the claimant and the billing details corresponding to the received payer billing ID. The method of claim 1, The card payment method using a payer payment ID, characterized in that a plurality of claimants and billing details corresponding to the received payer payment ID. The method of claim 1, wherein the detecting of the affiliated store information comprises: A card payment method using a payer payment ID for retrieving merchant information for each claimant by searching for a merchant number assigned by the claimant through a merchant application for each card company for a card company recognized from the received card information. . The method of claim 1, Receiving a transaction approval response from the card company terminal; And Card payment method using a payer payment ID characterized in that it further comprises the step of notifying the transaction approval result to the card lookup. The method of claim 5, Receiving a payment completion history request corresponding to the payer payment ID through the ARS system; The card payment method using the payer payment ID further comprising the step of notifying the payment completion details corresponding to the payer payment ID received through the ARS system. The method of claim 5, And transmitting a payment result corresponding to the transaction approval response to a payer terminal and a claimant server. 8. The method of claim 7, wherein transmitting the payment result is Card payment method using a payer payment ID, characterized in that made by at least one method of a mobile phone text message, email. 8. The method of claim 7, wherein transmitting the payment result is The card payment method using the payer payment ID, characterized in that for transmitting the authorization details to the claimant server in a batch or individually by the authorization details. The method of claim 1, wherein the transaction approval request is Card payment method using a payer payment ID, characterized in that the transaction is made by transmitting the full transaction authorization, including the card information, merchant information and billing details to the card company terminal. The card query device of claim 1, wherein Card payment method using a payer payment ID, characterized in that at least one of a credit card inquiry machine, POS terminal, ATM (CD) machine, KIOSK. The method of claim 1, The card information received through the card terminal is a card payment method using a payer payment ID, characterized in that the information by at least one of a credit card, check card, debit card, cash card. In the card payment system using the payer payment ID, Receiving billing details per payer from at least one claimant; Matching and storing a claimant and a bill corresponding to each payer by using the received payer billing history, and generating a payer settlement ID for each payer; And Method for providing a payer payment ID for card payment, characterized in that it comprises the step of storing the generated payer payment ID. The method of claim 13, Payer payment ID providing method for the card payment, characterized in that for matching each claimant and a plurality of claimants. The method of claim 14, Payer payment ID providing method for the card payment, characterized in that for generating a plurality of claimants and billing history for each payer as one payer payment ID. The method of claim 14, And providing a plurality of payer billing IDs corresponding to the plurality of billers and the billing history in each of the payers. The method of claim 13, And providing a notice to each payer of the stored payer payment IDs. 18. The method of claim 17, wherein notifying each payer of the stored payer payment IDs is Method for providing a payer payment ID for card payment, characterized in that made by at least one method of a text message, email, bill sending. The method of claim 13, Requesting, by the payer terminal, an ID for the payer payment by accessing a service company server using an ARS system; And in response to the request, transmitting the payer ID for payment to the payer terminal that accesses the ARS system. The method according to any one of claims 13 to 19, And providing the merchant information registered by the plurality of claimant servers from a plurality of card companies. In the card payment system using the payer payment ID, A payer DB for matching and storing a claimant and a bill corresponding to each payer; A payer billing ID DB for storing a payer billing ID for each payer; Merchant store DB for storing the merchant information registered by the claimant from a plurality of card companies; And Receiving payment information and card information for the payer from the card inquiry machine, detects the billing history corresponding to the payer payment ID from the payer DB, the merchant information of the claimant corresponding to the payer payment ID to the card information And a service company controller for requesting transaction approval by transferring the detected billing history, merchant information, and the received card information to a card company terminal after detecting from the affiliate store DB.

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