KR19980027693A - Credit card inquiry method using POS terminal - Google Patents

Abstract

end. The technical field to which the invention described in the claims belongs

The present invention relates to a method of inquiring a customer's credit card information to a credit card company computer.

I. The technical problem to be solved by the invention

It provides a way to inquire credit card information using POS terminal without using a separate credit card checker.

All. Summary of Solution of the Invention

The credit card information recorded on the credit card is scanned by the magnetic card reader, and the credit card information is inquired by communicating with the credit card company computer through the modem.

la. Important uses of the invention

It is used to look up credit card information without using a separate credit card checker.

Description

Credit card inquiry method using POS terminal

The present invention relates to a credit card inquiry method, and more particularly, to a method for inquiring a customer's credit card information to a credit card company computer.

In general, when a customer wants to pay by credit card, a store uses a credit card checker such as an easy check to check the availability of the credit card. The credit card inquiry machine is a device that checks the credit status of a credit card by receiving information from a credit card company (or a financial institution) through a telephone line. The credit card inquiry machine scans the card information recorded magnetically on the credit card, checks the availability of the credit card by communication with the credit card company computer, and displays the result.

On the other hand, department stores and large stores manage point-of-sale information management systems, that is, point of sales (POS) systems, to manage overall sales and merchandise. Accordingly, department stores or large stores that operate POS systems are using credit card checkers connected to POS terminals, terminals installed in each store. This is because the POS terminal provides many functions related to the sale of goods, but it does not have a credit card inquiry function, so a separate credit card inquiry machine must be used.

Accordingly, even if the conventional system has a POS system that can manage the overall sales of the merchandise, there was a disadvantage that a separate credit card inquiry machine must be used for the credit card inquiry. In addition, even when the credit card information is inquired on the credit card company's computer using the credit card checker, only the availability of the credit card could be checked, and the amount used could not be queried. As a result, customers who wish to make payments using their credit cards could not find the amount they have used so far unless they contact their credit card company. Therefore, customers who frequently purchase products using credit cards often have a problem that they often exceed the amount used without knowing it.

Accordingly, an object of the present invention is to provide a credit card inquiry method that can inquire credit card information using a POS terminal without using a separate credit card inquiry machine.

Another object of the present invention is to provide a credit card inquiry method that can query not only the availability of the credit card but also the amount of use using the POS terminal.

1 is a block diagram of a force terminal for carrying out the present invention;

2 is a process flow diagram in accordance with an embodiment of the present invention.

The present invention for achieving the above object is a credit card company computer through a modem (MODEM: Modulator-Demopdulator) by scanning the credit card information recorded on the credit card by a magnetic card reader (MCR) And querying the credit card information by communication with. At this time, the availability of credit card and the amount used are inquired.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Many specific details are set forth in the following description and in the accompanying drawings to provide a more general understanding of the invention. It will be apparent to those skilled in the art that the present invention may be practiced without these specific details. And a detailed description of known functions and configurations that may unnecessarily obscure the subject matter of the present invention will be omitted.

Figure 1 shows a block diagram of a force terminal for carrying out the present invention, the force terminal 102 shows a configuration in which the credit card company computer 100 and mutual communication. Looking at such a force terminal 102, the CPU (Central Processing Unit) 104 is the overall of the force terminal including the credit card information query according to the present invention in accordance with input from the keyboard (106) and MCR 128 To control processing. The keyboard 106 includes a function keypad 108, a numeric keypad 110, and a division keypad 112, and inputs various commands by the user through the I / O (Input / Output) driver 122 through the CPU ( 104). Here, the function keypad 108, the numeric keypad 110, and the sector keypad 112 each have a plurality of necessary keys, but for convenience, only the keys related to the present invention, that is, only the MCR key and the inquiry key on the function keypad 108 are shown. . The MCR key is input when the user wants to check whether the credit card is available, that is, when the user wants to select a usage confirmation mode. The inquiry key is input when the user wants to search the monthly use amount of the credit card, that is, when the user wants to select the inquiry mode.

The ROM 114 stores an operation program of the CPU 104 and various reference data. A random access memory (RAM) 116 temporarily stores information according to the operation of the CPU 104 generated at each transaction point. This RAM 116 is backed up by a backup power source 118. The in-line control unit 120 controls the inline processing of the CPU 104. The display unit 124 is driven by the control of the CPU 104 through the I / O driver 122 to display various types of information. The printer 112 prints and prints a receipt or report on transaction information under the control of the CPU 104 through the I / O driver 122. The MCR 128 scans information written on a magnetic card such as a credit card and applies it to the CPU 104 through the I / O driver 122. The I / O driver 122 drives the keyboard 106, the display unit 124, the printer 126, and the MCR 128 under the control of the CPU 104. The modem 130 interfaces the communication between the CPU 104 and the credit card company computer 100.

The present invention will now be described in detail with reference to FIG. 2, which shows a processing flow diagram of a CPU 104 according to an embodiment of the present invention for inquiring credit card information using a force terminal as described above.

First, the user, ie, the clerk, enters the MCR key on the keyboard 106 when the customer wants to check the availability of the credit card. The CPU 104 then enters the usage confirmation mode in response to steps (200) through (202). Accordingly, the CPU 104 performs a key scan in steps 204 to 206 to check key input. At this time, if there is a key input, the CPU 104 scans the credit card information recorded in the credit card mounted on the MCR 128 by the MCR 128 in step 208. Next, the CPU 104 checks the availability by communicating with the credit card company computer 100 via the modem 130 in steps 210 through 212. FIG. At this time, if the credit card is available, the CPU 104 terminates after printing the resin to the printer 126 after payment by the credit card in step (214). Therefore, it is possible to check the availability of the credit card using only the POS terminal without using a separate credit card inquiry machine.

Unlike the above, when the user wants to inquire about the current usage amount of the customer's credit card, for example, the monthly usage amount, the user inputs an inquiry key on the keyboard 106. The CPU 104 then enters the inquiry mode in response to steps (200) through (202). Accordingly, the CPU 104 scans the credit card information recorded on the credit card mounted on the MCR 128 by the MCR 128 in step 216. Next, the CPU 104 retrieves the customer card information by mutually communicating with the credit card company computer 100 through the modem 130 in steps 218 to 220, inquiring about the monthly usage amount, and if the search data matches. In step 222, the monthly use amount is displayed on the display unit 124, and then printed out to the printer 126 and then terminated. Therefore, the monthly use amount of the credit card can be inquired using only the POS terminal.

On the other hand, if the MCR key or the inquiry key is not input in steps (200) to (202), the CPU 104 terminates after normal operation (normal operation) in step (224).

As described above, the present invention does not require the use of a separate credit card inquiry machine, as well as whether the credit card can be used as well as the use of the POS terminal. have.

Claims (4)

A credit card inquiry method using a POS terminal having a modem and a magnetic card reader, And retrieving the credit card information by communicating with a credit card company computer through the modem by scanning the credit card information recorded in the credit card by the magnetic card reader. According to claim 1, wherein the credit card information inquiry, credit card inquiry method using a POS terminal, characterized in that to query the availability of the credit card and the monthly use amount. A credit card inquiry method using a POS terminal having a modem and a magnetic card reader, Checking the availability of the credit card by communicating with a credit card company computer through the modem by scanning the credit card information recorded on the credit card by the magnetic card reader when selecting a usage confirmation mode; If the credit card is available, printing a printout after payment by the credit card; Selecting the usage value inquiry mode and scanning the credit card information recorded on the credit card by the magnetic card reader and inquiring the usage amount of the credit card by communication with a credit card company computer through the modem; Credit card inquiry method using a POS terminal, characterized in that it comprises the step of printing the printout after displaying the monthly use amount. The method of claim 3, wherein the use amount is a monthly use amount.