KR20000024454A - System and method for approving and managing card dealings using internet - Google Patents

Abstract

PURPOSE: A system and a method are to identify whether credit card-based transactions are approved or not at lower cost and to curtail the service charge for the VAN(value added network) company. CONSTITUTION: A server computer(40) sends a credit card number and transactions data inputted from an affiliated credit card store(22,24,26) to a credit card clearinghouse. The server computer delivers credit card-based transactions data to a credit card company(50), debit card-based transactions data to a public financial network(60), and reserves card-based transactions data to a reserve card company(70) over an internet(30) using TCP/IP protocol. When the card companies and the public financial network receive the signal requesting for card-based transactions approval, they search their respective data bases and identify the validity and expiration date of the credit card, sending them to the server computer. The server computer then displays the validity and the expiration date for the credit card of a card holder on a display of a client computer of the affiliated credit card store.

Description

System and method for approving and managing card dealings using internet}

The present invention relates to a card transaction approval system using the Internet, and more particularly, to a system and method for approving and managing card transactions using the Internet.

As a patent related to the present invention, there is a customer and merchant management system (PCMS integrated solution) of the patent application number (99-48862) filed by the applicant first.

In PCMS integrated solution, PC and card reader are connected to the merchant through the interface, and merchant computer, merchant computer and bank network are connected to the network. And is entered into the merchant management computer to receive approval and bonus points from the merchant management computer and to enable customer management, sales management, inventory management, closing management, expense management and voice information services from the merchant computer or card terminal.

1 is a view showing a conventional card transaction approval system.

Currently, when a customer stops at a store and deals with a card, a computer connected with an interface module or a credit card inquiry machine or card reader equipped with its own modem provided at the point where the transaction is made (or equipped with the card reader means) Check the card with the card reader connected to 20).

Then, the card number and the transaction date of the checked card are transmitted to the VAN company 40 via the public line telephone network (PSTN) 30 using the modem of the credit card inquiry machine 10 or the computer 20. Ask for approval.

The VAN company 40, which has been asked for approval, is connected to the credit card company 50, the financial common network 60, and the credit card company 70 by a dedicated line. For the card, the credit card transaction is transferred to the credit card company 50. The debit card transaction is transmitted to the financial common network 60, and the credit card transaction is transmitted to the credit card company 70, and the transaction approval signal is returned from these by using the public line telephone network 30 to request approval. Notify the credit card checker 10 or the computer 20 of a branch again.

However, using the VAN system currently used, the card company has to pay a certain amount to the VAN company by 100 won per case, such a VAN fee (fee) is a cause that can not reduce the credit card fee.

In addition, the shop that deals with the card is connected to the VAN company using a telephone line, so the processing speed is slow, and the communication cost is about 50 won per case.

In the conventional card transaction approval system, both the store and the card company have to pay a lot of costs to use the VAN, and this cost must be paid by the card user in the end, thereby preventing the activation of the card transaction.

Therefore, there is a need for a card transaction approval and management system and method that can reduce the usage fee by using an Internet lease line while obtaining approval at the time of card transaction as in the case of using a conventional VAN.

An object of the present invention is to solve the above problems, when a cardholder makes a transaction at a merchant with a card, a card transaction approval signal is transmitted from the card terminal or the merchant computer to the server, and the server is a card management company for the card. It is to provide a card transaction approval and management system using the Internet that allows the cardholder and the merchant to know the approval result by sending the result back to the merchant computer or the card terminal and outputting the result to the printer. .

Another object of the present invention is that when a cardholder makes a transaction at a merchant with a card, a card transaction approval signal is transmitted from the card terminal or the merchant computer to the server, and the server inquires the card management company about the card for approval, and as a result, It is to provide a method for approving and managing a card transaction using the Internet to send the card back to the merchant computer or card terminal to be outputted from the merchant to the printer so that the cardholder and the merchant know the approval result.

1 is a view showing a conventional card transaction approval system.

2 is a view showing an embodiment of a card transaction approval system using the Internet according to the present invention.

3 is a view showing an embodiment of a security management system using the Internet according to the present invention.

In order to achieve the above object, a plurality of card terminals or card readers installed in affiliated stores are connected to an interface module or computers equipped with the card reader means and a plurality of card management companies and the Internet. In the system for the card transaction approval and management connected, the card terminal or computers have a built-in printer or connected to the printer, at least one card number read from the card through the plurality of merchant card terminals or computers, Receives a card transaction approval request signal along with card-related information including a transaction date, and requests approval from a card management company according to the type of the card, receives card management information from the card management company, and sends it to the affiliated card terminal or the computer. Includes a management server for transmitting, the affiliate A card terminal or computer is provided with a card transaction authorization and management system using the Internet, it characterized in that the send and display the authorization result to the monitor screen output to the printer.

In addition, in order to achieve the above another object, a plurality of card terminals or card readers installed in the affiliated stores and computers connected to the interface module or equipped with the card reader means and a plurality of card management companies; In a method for approving and managing a card transaction in an internet-connected system, the card terminal or computers have a printer or a printer connected therein, and (a) if there is a card transaction at the merchant computer, the card terminal or the computer. Receiving card related information including at least a card number and a transaction date read from a card traded through a card reader or the card reader means; (b) transmitting an approval request signal together with the card related information to a card management company according to the type of the card; (c) receiving card management information including a card user's membership and an approval deadline from a card management company that has requested the approval; And (d) providing the received card management information to the affiliated computer or a card terminal, and outputting the same to a printer. The card transaction approval and management method using the Internet is provided.

Next, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a view showing an embodiment of a card transaction approval system using the Internet according to the present invention.

The affiliated computer or card terminal 22, 24, 26, ... of FIG. 2 is a computer used by affiliated merchants, which is a computer capable of executing a web browser such as Explorer or Netscape.

The affiliated computer or card terminals 22, 24, 26, ... are connected to a card reader capable of recognizing a credit card, a debit card, an IC card and an interface module, or the card reader function is mounted on a computer. On the other hand, there is also a bar code reader is further connected to these merchant computer or card terminal.

These merchant computer or card terminals 22, 24, 26, ... are connected to an Internet dedicated line such as ADSL, ISDN, cable line, and dronet line.

In addition, although not shown in Figure 2, merchants are desktops, laptops, notebooks, palmtop computers, or WAP phones, wireless Internet phones, Web TV, which can be connected to the Internet in addition to the merchant computer or card terminal (22, 24, 26, ...) A wired or wireless information communication terminal such as IMT2000 may be used to access the Internet by wire or wirelessly.

These merchant computers (22, 24, 26, ...) are equipped with credit, debit, and earn points transaction approval program, so that when the customer wants to check whether the card is approved by making a transaction using the card, the ADSL, It is connected to the server computer 14 using a dedicated Internet line such as a cable line, a dronet line, or the like through a gateway dedicated line of the Internet network 12 by a wireless Internet method.

The server computer 14 of FIG. 2 receives the card number and the transaction date from the merchants via the Internet 12 and transmits the card transaction to the card management company.

At this time, the server computer 14 transmits the credit card transaction to the credit card company 50, the debit card transaction to the financial common network 60, and the credit card transaction to the credit card company 70 through TCP / IP over the Internet The transaction approval signal from them.

When the credit card company 50, the financial cooperative network 60, and the credit card company 70 receives the card transaction approval request signal from the server computer 14, the respective credit card companies 50 search their own DB provided in the company to the approved card Check whether the card is approved and the date of approval, and send it to the server.

That is, the credit card company 50 approves the transaction for the credit card, the financial common network 60 approves the transaction for the debit card, and the credit card company 70 approves the transaction for the credit card.

Then, the server computer shows the membership status and expiration date information for the card user received from the card company on the computer screen for the affiliated store, confirming this signal and merchants can make a card transaction with confidence. Merchants also print the slips through a printer and issue them to customers.

Therefore, in the present invention, the card transaction is actually made offline in stores or stores of merchants, the card approval is confirmed online through the internet network, and the card users and merchants see the printed output through the printer and are approved offline. It is a card transaction approval and management system that combines offline and online.

3 is a view showing an embodiment of a security management system using the Internet according to the present invention.

The affiliated computer or card terminals 22, 24, 26, ... of FIG. 3 are computers used by affiliated merchants, which are computers capable of executing a web browser such as Explorer or Netscape.

As in the first embodiment, the affiliated computers 22, 24, 26, ... are connected with a card reader capable of recognizing a card, and a card transaction approval program is installed, so that the card transaction is approved using the Internet. You can check whether or not.

In addition, these merchant computers (22, 24, 26, ...) is connected to the interface module and the sensors 29 of the security / security terminal box 28 installed by the security / security company 16, such as SECOM (trademark) have.

These security / security systems have a plurality of sensors 29 to detect when a thief invades the merchant or an error occurs in the security of the merchant.

The detected security abnormality signal is input to the affiliated computer (22, 24, 26, ...), and is connected to the server computer 14 through the gateway dedicated line of the Internet network or the Internet dedicated line.

Then, the server computer 14 transmits the input security abnormal signal to the security / security company in the TCP / IP method, it is possible to quickly detect the security abnormality.

The present invention is not limited to the above-described embodiments, and of course, modifications can be made by those skilled in the art without departing from the spirit of the present invention. For example, in the embodiment of the present invention, only the approval process has been described, but when using the card transaction approval and management system according to the present invention, in accordance with the signal required from the merchant, card delinquency, transaction amount limit exceeded, card theft loss, etc. Of course, you can also look up.

Therefore, the scope of the claims in the present invention will not be defined within the scope of the detailed description, but will be limited to the claims below.

According to the present invention, when a cardholder makes a transaction at a merchant with a card, a card transaction approval signal is transmitted from the card terminal or the merchant computer to the server, and the server inquires the card management company about the card for approval, and returns the result. Since the card transaction approval and management system using the Internet is transmitted to the merchant computer or the card terminal again to be output to the printer from the merchant, has the following effects.

First, credit card transactions can be verified at a much lower cost than card systems using the Internet, so credit card companies can reduce VAN fees.

Second, merchants used modem when requesting approval through existing VAN company, but it cost a lot of communication costs. By paying a certain amount monthly, communication costs can be reduced.

In other words, when a transaction is made through a telephone line, a communication fee of 50 won must be paid per case, but by replacing it with a monthly fee (27,000 ~ 40,000 won), it is possible to reduce the communication fee in the case of merchants trading more than 30 times a day.

Third, the speed of the telephone line is 56K, and the Internet dedicated line (ADSL, ISDN, etc.) is up to 10MB (1-10MB), which is about 5 to 10 times faster than the conventional method.

Fourth, depending on the network configuration, central control and inquiry are possible, and the customer's customer, sales, inventory, closing, and accounting management are performed together.

Fifth, a store computer can be used at any time for other purposes than the present invention. That is, it can be used for various purposes such as using the Internet, document writing, mailing service, and the like.

Claims (8)

It is connected to a plurality of card terminals or card readers installed in the affiliated stores through an interface module or connected to the computers and the card management companies equipped with the card reader means through the Internet for approval and management of card transactions. In the system to perform, The card terminal or the computer has a built-in printer or connected to the printer, Receives a card transaction approval request signal along with card related information including at least one card number and a transaction date read from the card through the plurality of merchant card terminals or computers, and requests approval from the card management company according to the type of the card. And a management server that receives card management information from the card management company and transmits the card management information to the affiliated card terminal or a computer. The merchant card terminal or computer displays the approval result on the monitor screen and outputs the card transaction approval and management system using the Internet. The method of claim 1, A security guard company networked with the management server; And The security guard company is installed in the affiliated store further comprises a security guard terminal box for detecting this when there is an error in the security, The affiliated computer receives the security abnormal signal from the security guard terminal box and transmits it to the management server, The management server receives a security fault signal and provides the signal to the security guard company card transaction approval and management system using the Internet. The method according to claim 1 or 2, The card management company is a credit card company if the type of credit card, credit card company if the debit card is a financial network, credit card company credit card transaction and management system characterized in that the credit card company. The method according to claim 1 or 2, The card management information received from the card management company is at least one of the card user membership, membership closing date, card delinquency, transaction amount exceeded, card theft lost or not, and Management system. Approving and managing card transactions in a system connected to a plurality of card terminals or card readers installed in affiliated stores through an interface module or to a computer equipped with the card reader means and a plurality of card management companies connected to the Internet. In the method of doing The card terminal or the computer has a built-in printer or connected to the printer, (a) when there is a card transaction in the affiliate computer, receiving card related information including at least a card number read from a card traded through the card terminal or the card reader or the card reader means, and a transaction date; (b) transmitting an approval request signal together with the card related information to a card management company according to the type of the card; (c) receiving card management information including a card user's membership and an approval deadline from a card management company that has requested the approval; And (d) providing the received card management information to the affiliated computer or a card terminal, and outputting the same to a printer. The method of claim 5, The security guard company connected to the network and the security guard company and the security guard company installed in the affiliated shop further comprises a security guard terminal box connected to the affiliated computer, Receiving a security abnormal signal inputted from the security / security terminal box from the affiliated computer; The card transaction approval and management method using the Internet, characterized in that further comprising the step of providing the received security management signal to the security / security company. The method according to claim 5 or 6, In step (b), The card management company is a credit card company if the type of card is a credit card, if the debit card is a financial common network, if the credit card credit card company approval and management method using the Internet. The method according to claim 5 or 6, The card management information received from the card management company is at least one of the card user membership, membership closing date, card delinquency, transaction amount exceeded, card theft lost or not, How to manage.