KR101561252B1 - Credit authorization terminal device supporting change of VAN company without change of terminal device - Google Patents

Abstract

A credit inquiry terminal supporting a change of a van without changing a terminal is disclosed. A credit inquiry terminal according to the present invention includes a key pad 10 for inputting a selection of whether or not to change a bank, card approval selection information and payment amount information, a card reader 11 for reading information on a credit card to be paid, If the user inputs a selection of whether or not to change the band, the application and protocol are executed. If the input indicating that the user does not wish to change the band is received, an input is made to execute the existing contracted band's payment application / protocol and to change the band. And a first control unit (12) mounted with a broadcast selection program (120) for executing a payment application and a protocol of a corresponding to the inputted broadcast selection information, upon reception of the broadcast selection information from the user . The credit inquiry terminal supporting the change of the terminal without changing the terminal according to the present invention is a credit inquiry terminal that allows a consumer, that is, a franchisee, to select a van service as a credit inquiry terminal, In case of contract expiration, it is possible to contract with other companies without replacing the terminal in use, but it supports the change of the terminal without changing the terminal.

Description

Technical Field [0001] The present invention relates to a credit check terminal,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a credit card merchant terminal, and more particularly, to a credit inquiry terminal for supporting a change from a current used van to another without changing a terminal.

A Value-Added Network Company or Value-Added Network Operator refers to a provider who collects and collects information through the processing of such information and provides it to the requisite of the data to generate revenues from the intermediary fee.

Domestic card companies are only responsible for settlement of settlement fees and merchant fees in connection with merchant infrastructure, which causes the burden that the franchisor does not recognize to be transferred to the franchisee due to costs incurred between the company and card companies. In addition, there are about 13 domestic vendors in the infrastructure business, but the vicious cycle of investment competition is continuing rather than service competition, and illegal support for large merchants, rebates, and illegal support of distributors are occurring.

In addition, due to the incomprehensible service operation and settlement costs incurred by franchisees, credit card companies are increasingly burdening the cost of franchisees. .

In other words, in Korea, it is necessary to use the infrastructure of the bank for all payment transactions. In fact, in Korea, there are 13 banks, but the number of normal credit card makers is less than the number of banks. In this way, according to the exclusive structure of the domestic market, the consumer purchasing method of the payment payment equipment is only possible through the way of the van, so that the market structure of developing and distributing the equipment desired by the company, And there is almost no development of a credit inquiry terminal that can be used for the common use of foreign companies and domestic companies by bringing different service development requirements to each van.

Korean Patent Registration No. 10-1099441 published on Dec. 28, 2011 discloses a credit card payment system related to a credit card payment system including a credit card payment machine, a van server and a card company server. [0004] Referring to the identification number (4) of the publication disclosed in the above-mentioned patent, the franchise store operator may purchase merchant information (such as the merchant's name, business number, address, representative name, The information including the CAT-ID number of the purchased credit card payment machine, and the information of the purchased credit card payment machine) is registered in the VAN server, the credit card payment machine is given a unique terminal number and a franchise number. The server is provided with a credit card payment machine-specific terminal number and a procedure for receiving the merchant number, as well as communication between the credit card payment machine and the server.

Therefore, there is a problem in that, in the case of a credit card merchant who purchases a credit card payment machine by contract or installment contract, the exchange can not be changed unless the credit card payment machine is changed.

On the other hand, a credit authorization terminal accesses a main computer of a credit card issuer company at a credit card merchant shop, and accesses the credit card terminal to check whether the credit card is authorized or used, This is called a credit card company in the sense that it is a terminal device that receives additional services such as business analysis of a merchant in response to a request from a credit card company. In recent years, POS (Point of Sales) terminal devices having functions such as sales statistics, issuance of tickets, etc. are disposed in a sales information system used in a department store or a supermarket, and information is sent to the central processing unit in real time. It is treated as an indispensable tool of the cacheless society in parallel with the credit card as well as the sexual effect, the prevention of the amount mistake.

The present invention has been developed in order to solve the above-mentioned problems, and it is an object of the present invention to provide a credit inquiry terminal that allows a consumer, that is, a merchant, to select a van service, The present invention provides a credit inquiry terminal that allows a contract with a third party to be continuously used without replacing the terminal in use, but supports the change of the terminal without changing the terminal.

According to another aspect of the present invention, there is provided a credit inquiry terminal,

A keypad (10) for inputting a selection of whether or not to change the bank, card selection information, and payment amount information;

A card reader (11) for reading information of a credit card to be charged;

When the power is turned on, the user inputs a selection of whether or not to change the band and executes the application and protocol. If the input indicating that the band is not desired to be changed is received, the existing contracted banda's payment application / protocol is executed, A first control unit (12) which is equipped with a broadcast selection program (120) for executing a payment application and a protocol of a subscriber who receives the subscription information from the user when the subscription is received;

An LCD panel 13 for displaying the van change processing information, the approval information, and the settlement information;

A communication interface (14) for communicating with the server to support authorization and settlement; And a printer (15) for printing the slip.

In addition, the credit inquiring terminal,

It is preferable to further include a telephone main body portion 16 having a conventional telephone module so as to support a general telephone through a communication network in consideration of a franchisee having a narrow place.

In addition, the credit inquiring terminal,

An expansion slot 17 provided in the credit inquiry terminal main body 1,

Further comprising an expansion card (18) that fits into said expansion slot (17)

The expansion card (18)

A keyboard 181 and a monitor 182 for processing input of the user and supporting input and display and checking whether the expansion card 18 is inserted in the expansion slot 17 and checking whether the expansion card 18 is inserted The order management program 183 is loaded and the total amount for the order calculation and the final settlement is extracted and transmitted to the credit inquiry terminal main unit 1 The credit inquiry terminal main unit 1 preferably performs approval and settlement processing using the total amount of money transmitted from the expansion card 18.

The credit inquiry terminal is connected to the expansion card 18 and further includes a camera 185 and an emergency button 187. The second control unit 184 controls the camera 185 to photograph A camera shooting / storing program 186 for storing the photographed image, and an emergency call control program 188 for informing the security company of the emergency situation when it is confirmed that the emergency button 187 has been pressed, .

The credit inquiry terminal supporting the change of the terminal without changing the terminal according to the present invention is a credit inquiry terminal that allows a consumer, that is, a franchisee, to select a van service as a credit inquiry terminal, In case of contract expiration, it is possible to contract with other companies without replacing the terminal in use, but it supports the change of the terminal without changing the terminal.

In addition, according to the present invention, when an expansion card is inserted into an expansion slot if necessary, a minimum function for sales management is supported, but the amount calculated on the expansion card side can be sent to the credit inquiry terminal, which is the main body, Give credit card merchants more choice.

1 is a block diagram illustrating a structure of a credit inquiry terminal supporting a change of a terminal without changing a terminal according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a control process of the first controller 12 provided in the credit inquiring terminal of FIG. 1;
3 is a diagram for explaining an embodiment in which a first control unit 12 provided in the credit inquiring terminal of FIG. 1 requests and receives a billing application / protocol from a company,
4 is a view for explaining the operation and effect of the credit inquiry terminal according to the present invention,
5 is a flowchart illustrating a control process performed by the second control unit 184 of the expansion card 18 inserted in the expansion slot 17 of the credit inquiry terminal main body 1 of the credit inquiry terminal of FIG.
6 is an example of a screen for explaining main steps of the order management program 183 executed in the second control unit 184 of the expansion card 18. Fig.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings.

FIG. 1 is a block diagram illustrating a structure of a credit inquiry terminal supporting a change of a terminal without changing a terminal according to an embodiment of the present invention. FIG. 2 is a block diagram illustrating a control of the first controller 12 The process is shown as a flow chart.

1 and 2, a credit inquiry terminal supporting a change of a terminal without changing a terminal according to the present invention comprises:

A key pad 10 for inputting selection information for selecting whether or not to change the bank, card selection information, and payment amount information,

A card reader 11 for reading information of a credit card to be charged,

A first control unit 12 on which a fan selection processing program 120 is mounted,

An LCD panel 13 for displaying the zone change processing information, the approval information, and the settlement information,

A communication interface 14 for communicating with the server and supporting authorization and settlement, and

And a printer 15 for printing the slip.

When the power is turned on (step S200), the first selection part 120 of the first control part 12 inputs a selection of whether or not to change the vehicle from the user (step S202), executes the application and protocol, (Step S204). When the input of the request to change the settlement van of the company is received, the user selects the option information of the user from the user (step S206) (Step S208).

The credit inquiry terminal is connected to the expansion card 18 and further includes a camera 185 and an emergency button 187. The camera photographing / storing program 186 driven by the second control unit 184 is connected to the expansion card 18, And controls the camera 185 to capture and store the photographed image so as to support simple CCTV operation. In addition, the emergency call control program 188 confirms that the emergency button 187 has been pressed, and transmits an emergency situation to the security company when it is confirmed that the emergency button 187 is pressed. The latest information provision support PGM 189 performs steps for providing the latest information suitable for the merchant through the communication network.

FIG. 3 shows an embodiment in which the first control unit 12 provided in the credit inquiry terminal of FIG. 1 requests and receives a billing application / protocol of the company from the service server. Referring to FIG. 3, the credit inquiry terminal 30 communicates with the subscriber server 32 to request a payment application / protocol (step S300). In the subscriber server 32 connected to the credit inquiry terminal 30, By transmitting the payment application / protocol in response to the request, the credit inquiry terminal 30 downloads and executes the payment application / protocol. This embodiment does not need to store all the payment applications / protocols of all the companies in the credit inquiry terminal 30 installed on the merchant's side, and can always download the latest version even if it is updated.

The operation and effect of the credit inquiry terminal according to the present invention will be described with reference to FIG. Referring to FIG. 4, when a credit card merchant is using a payment service of a specific company, the user can contract with a B or C company in the existing A company without complaining about the usage function or replacing the terminal used when the contract expires To support the change of the van without changing the terminal. Therefore, it is possible to introduce a credit inquiry terminal with no subscription and no penalty given the franchisee's choice of autonomy.

This is because, in the case of a conventional credit card merchant terminal, it is dependent on a van, and in order to receive a service by selecting a specific van, a credit card merchant terminal provided by the vendor must be purchased through contract or installment purchase. It should be noted that the terminal in use at the time is dedicated to the corresponding van, so that it can solve the conventional problem that can not be used if a new van is contracted with.

5 is an enlarged view of an extension card 17 inserted in an expansion slot 17 of a credit inquiry terminal main body 1 of the credit inquiry terminal of FIG. 1 according to another embodiment of the present invention, 18 as a flow chart of the control process performed by the second control unit 184 of FIG. 5, an extension slot 17 is provided in the main body 1 of the credit inquiry terminal, and an expansion card 18 is inserted in the expansion slot 17, The second controller 184 is connected to a mouse 180 for processing input from the user and a keyboard 181 and a monitor 182 to support input and display and the expansion card 17 is inserted into the expansion slot 17 The order management program 183 is loaded (step S510), and if the inserted order is checked, the order calculation operation (step S510) (Step S502) and transmits the total amount for final settlement (step S514) to the credit inquiry terminal main unit 1 to operate as a normal credit inquiry terminal function (step S502) Approval and settlement processing (step S504).

FIG. 6 shows an example of a screen for explaining main steps of the order management program 183 executed in the second control unit 184 of the expansion card 18. 6, the order management program 183 executed in the second control unit 184 of the expansion card 18 stores the total amount 602 in the first table 600 and the total amount 602 in the third table 610, When the payment execution 630 is selected in the state that the total amount 612 is calculated in the fourth table 620 and the total amount 622 is calculated in the fourth table 620, the payment selection 632, 634, The final settlement amount 650 is determined and transmitted to the main body of the terminal to process the approval and payment, and approval and settlement can be performed using the keypad of the main body of the terminal and the LCD panel.

In the above embodiment, the presence or absence of the expansion card 18 inserted in the expansion slot 17 of the credit inquiry terminal body unit 1 of the credit inquiry terminal is detected, and the credit inquiry terminal operates as a simple normal credit inquiry terminal, And operates as a terminal supporting management. Therefore, according to the present invention, when an expansion card is inserted into an expansion slot as necessary to support a minimum function for sales management, an amount calculated on the expansion card side can be sent to the credit inquiry terminal body unit as a main body to process authorization and payment Grants a wider choice to small credit card merchants.

1:
10: Keypad 11: Card reader
12:
120: Vanse selection processing program
13: LCD panel 14: Communication interface
15: printer 16: telephone main body part
17: Expansion slot
18: Expansion card
180: Mouse 181: Keyboard
182: Monitor 183: Order Management Program
184: second control unit 185: camera
186: Camera shooting / saving program
187: Emergency button 188: Emergency call control program

Claims (4)

A keypad (10) for inputting a selection of whether or not to change a van, a card approval selection information, and payment amount information;
A card reader (11) for reading information of a credit card to be paid;
When the power is turned on, the user inputs a choice of whether or not to change the band and executes the application and protocol. If the input indicating that the band does not change is received, an input is made to execute the existing contracted banda's payment application / A first control unit (12) having a subscriber selection processing program (120) for receiving a subscriber selection information from a user and executing a subscription application and protocol of the subscriber corresponding to the subscription information;
An LCD panel 13 for displaying the van change processing information, the approval information, and the settlement information;
A communication interface (14) for communicating with the server to support authorization and settlement;
A printer 15 for printing a slip;
An expansion slot 17 provided in the credit inquiry terminal main body 1; And
And an expansion card (18) fitted in the expansion slot (17)
The expansion card (18)
A keyboard 181 and a monitor 182 for processing input of the user and supporting input and display and checking whether the expansion card 18 is inserted in the expansion slot 17 and checking whether the expansion card 18 is inserted The order management program 183 is loaded and the total amount for the order calculation and the final settlement is extracted and transmitted to the credit inquiry terminal main unit 1 And the credit inquiry terminal unit (1) performs approval and payment processing using the total amount transferred from the expansion card (18). Credit inquiry terminal. delete delete The method according to claim 1,
A telephone main body 16 provided with a normal telephone module to support ordinary telephone calls through a communication network in consideration of a franchisee with a narrow space, a camera 185 connected to the expansion card 18, and a emergency button 187 Further included,
The second control unit 184,
A camera photographing / storing program 186 for photographing and storing photographed images by controlling the camera 185; and a camera photographing / storing program 186 for confirming whether the emergency button 187 has been pressed. If it is confirmed that the emergency button 187 is pressed, Wherein the emergency call control program (188) is adapted to:

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