KR20020007456A - Method and system for processing settlement by using telephone with card reader - Google Patents

Abstract

PURPOSE: A method for settling buying goods using a telephone to which a reader for scanning a card is attached and a system therefor are provided to easily perform a price settlement in a small store and home and prevent card loss and information withdrawal in case that a user selects a settlement process between a telephone conversation or the settlement process of goods. CONSTITUTION: A telephone(10) has a card reader(12), a selection button for selecting a general telephone mode or a shopping settlement mode, and a printer(15) for outputting a transaction list of a card. In case that the selection button of the shopping settlement mode of the telephone(10) is turned on, information of a card(14) read through the card reader(12) is transmitted to a seller server(20) and the settlement process of the card price is performed according to an approval result transmitted from the seller server(20). The seller server(20) includes an ARS for performing a commerce transaction of various goods or services and additionally performing a shopping guide or a settlement guide for the convenience of a seller. A shorten button directly connected to the ARS of the seller server(20) is added to the telephone(10). A settlement repeating server(30) receives information of goods bought through the seller server(20) and the card(14) read through the telephone(10), and notifies the approval or disapproval of a financial system to the price settlement request of the read card(14) to the seller server(20).

Description

Payment method and system for the purchase of a purchased item using a phone with a lead reader for scanning a card {METHOD AND SYSTEM FOR PROCESSING SETTLEMENT BY USING TELEPHONE WITH CARD READER}

The present invention relates to a payment method and system for purchasing a product (or using a service), and in particular, a telephone call and a product payment can be made through a telephone having a card reader to scan a card that can be processed in a small store and at home. The present invention relates to a payment method for a purchased product using a telephone with a lead device and a system thereof.

Currently, payment methods for the use of purchased goods or services, as well as cash and checks, are also used for credit cards or bank debits and cash cards. Some department stores and hypermarkets also use credit cards issued by their own companies. Most payments using these cards are high-quality Value Added Network (VAN) services provided to card users at stores equipped with card readers (terminals), allowing customers to conduct credit transactions without holding cash. Has the advantage.

Recently, due to the development of mass media and the rapid popularization of the Internet, communication transactions or electronic commerce, which enables commerce without a direct encounter with buyers and sellers only through online information such as PC communication, the Internet, news and radio, and advertisement magazines, are active. Is getting. The most important point in such a transaction is that the payment processing between the buyer and the seller provides a safe and convenient service, and has security to prevent the customer's card number and information exposure.

However, in recent years, as the size of the retail store becomes smaller gradually, it is a burden to purchase a card lead machine at a small store, and there is a disadvantage in that transactions using the card are not active. In addition, since the number of ordinary users who use the Internet or TV home shopping is increasing, the majority of users are also reluctant to make a card payment directly because they are reluctant to lose the card and expose the information.

An object of the present invention is to use the phone coupled with the card lead in order to improve the problems of the prior art as described above, when the user selects the payment processing during the telephone call or payment processing of goods, it is possible to easily pay at small stores and homes In addition, the present invention provides a card payment system for a purchase item using a phone with a lead reader that scans a card, which can prevent the loss of the card and information leakage.

Another object of the present invention is a shopping mall or TV home shopping or sales method of the card payment through the booklet, the purchase of the user's goods and payment through the ARS guide using a phone that can process the card payment of the goods is easy The present invention provides a payment method for a purchase item using a phone equipped with a lead reader that scans a card to increase a user's reliability by outputting a specification table of transaction details.

In order to achieve the above object, the present invention provides a system for paying an amount of purchase or use of a service, comprising a seller server for commerce of various goods or services, a card lead and a selection button for selecting a telephone mode or a shopping payment mode. In general, the user can make a general phone call in response to the selection button in the telephone mode, and transmit the card information read through the card reader to the seller server in response to the selection button in the shopping payment mode, and according to the authorization result sent from the seller server, Payment relay that notifies the seller's server of the approval or disapproval of the financial system for the request for payment of the lead card by inputting the information of the phone which is notified of the payment processing, the goods purchased through the seller server, and the card read through the phone. It is characterized by having a server.

According to an aspect of the present invention, there is provided a method for paying an amount of a purchased item or a service, comprising: determining whether a telephone call or a shopping payment mode is selected according to a selection button of a phone; If the button of the mode is selected, automatically connecting to the ARS system of the seller server, selecting the goods or services according to the ARS broadcast of the seller server, and paying the amount of the selected goods or services by a card or a bank account. Determining whether or not to select a card payment, selecting a card payment, leads the card through the card reader of the phone and confirms the payment amount, and sends the lead card information and the payment amount data to the credit card company according to the type of the read card. Ask for credit card authorization by checking your credit rating or by checking your bank balance And the payment relay server notifying the seller server of the result of the credit card company or the bank's approval or disapproval, and when the card is approved, the seller server notifies the buyer of the end of the card payment processing and the transaction details of the card. Printing the specification table and confirming the buyer's delivery address.

1 is a view showing the configuration of a payment system for purchases using a phone with a lead reader for scanning a card according to the present invention,

2 is a flowchart illustrating a payment method of a purchased item using a phone with a lead reader for scanning a card according to the present invention.

<Description of Symbols for Major Parts of Drawings>

10 telephone 12 card lead reader

20: seller server 30: payment relay server

40: financial computer network 42: bank business processing system

44: Credit card company processing system

46: KFTC

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

1 is a view showing the configuration of a card payment system for a purchased item using a phone with a lead reader for scanning a card according to the present invention.

Referring to FIG. 1, the system of the present invention is composed of a telephone 10 having a card reader 12, a seller server 20, a payment relay server 30, and a financial computer network 40.

Here, the telephone 10 of the present invention has a card reader 12, a selection button (not shown) for selecting a normal telephone mode or a shopping payment mode, and a printer 15 for outputting a transaction specification table of the card. . When the select button of the telephone mode of the telephone 10 is turned on, a general telephone call is possible. However, when the selection button of the shopping payment mode of the phone 10 is turned on, the information of the card 14 read through the card reader 12 is transmitted to the seller server 20 and the seller server 20 In accordance with the authorization result sent from the) payment is made to the card.

In addition, the seller server 20 of the present invention includes an ARS system for commerce various goods or services and additionally provide a shopping guide or payment guide for the convenience of a buyer. Accordingly, the telephone 10 of the present invention may be added to a shortcut button directly connected to the ARS system of the seller server 20.

In addition, the payment relay server 30 of the present invention receives the goods purchased through the seller server 20 and the information of the card 14 led through the phone 10 to receive the payment request of the card (14) Notify the seller server 20 of the approval or non-approval of the financial system (for example, bank, credit card company, financial settlement agency, etc.). The payment relay server 30 may process the payment for the use of the purchased goods or services according to the purchaser's choice with a card or bill the payment with a bank branch.

Therefore, in the payment system of the purchase item of the present invention configured as described above, if the direct purchaser requests the payment using the card lead 12 of the phone 10, the seller server 20 determines whether the corresponding card is authorized. After the inquiry, the payment is processed or canceled according to the inquiry result. In addition, when the printer 15 is installed in the telephone 10, the user can check the processing result directly by outputting the specification table of the transaction details of the card.

Meanwhile, in the system of the present invention, the seller server 20 may be a server of a company that advertises goods or services using TV shopping or booklets. Alternatively, as shown by reference numeral 16, the seller server 20 of the present invention is installed through a computer 16 connected to the purchaser's telephone 10 by installing a website for operating a shopping mall relating to Internet e-commerce. You can access this website to shop and pay for your purchases.

2 is a flowchart illustrating a payment method of a purchased item using a phone equipped with a lead reader for scanning a card according to the present invention. Referring to this, the payment method of the purchased item according to the present invention is as follows.

First, when the buyer wants to pay the shopping price, the button for selecting the shopping payment mode provided in the telephone 10 of the present invention is turned on. Thus, the telephone 10 is directly connected to the ARS system of the seller (or sales company) server selected by the buyer. On the contrary, when the buyer turns on a button for selecting a telephone call mode for making a general telephone call, the telephone 10 of the present invention operates as a general telephone. (S10 to S12, S38)

The telephone 10 automatically connected to the ARS system of the seller server 20 allows the user to shop according to the ARS broadcast guide or to directly select a selected product or service by watching a TV shopping or booklet (ad flyer). (S14)

When a buyer selects an item to purchase or a service to use, the ARS asks for cancellation and confirms that the selection of the item or service is correct. If the buyer decides to cancel the selected goods or services, the buyer has the option of canceling the buyer's choice and providing a new choice. (S16 to S18)

Then, the ARS of the seller server 20 allows the buyer to select whether to pay for the selected goods or services by card or bank. If the purchaser selects the card payment, the card 14 is read through the card lead 12 of the phone 10 and the payment amount is confirmed. On the contrary, if the buyer chooses to pay by bank, it will issue a payment for payment. (S20 to S24)

Subsequently, the seller server 20 receives the card information and the payment amount data read from the card reader 12 from the phone 10 and sends it to the payment relay server 30 to query the use of the card. Then, if the card is a debit card and cash card of the bank, the payment relay server 30 inquires whether the balance in the account of the card is more than the price of the purchased goods or services from the corresponding bank 42 of the financial computer network 40. If the bank card account is over the purchase price, the bank card will be transferred from the card account to the seller's account. Alternatively, when the card is a credit card company, the credit card company 44 of the financial computer network 40 is retrieved from the credit card company, and the credit card is approved by the buyer, the credit card payment amount is processed. (S26)

The payment relay server 30 after the card inquiry is notified to the seller server 20 of the credit card company or bank approval or disapproval result. (S30 to S32)

Therefore, the seller server 20 notifies the purchaser of the card payment processing to the ARS when the card is approved and receives the buyer's delivery address. When the card payment processing is terminated or not approved, the specification table of the card transaction is output through the printer 15 of the telephone 10. Then, the buyer is asked whether to request the shopping or payment processing of other goods, and if there is a response, the above-described payment process is repeated, and if there is no response, the process ends. (S34-S36)

As described above, the present invention can be paid for the goods with a variety of cards or bank Jiro through the card reader coupled to the phone, it is possible to easily pay at small stores and homes as well as to carry out the payment directly You can prevent accidents due to card loss and information leakage.

In addition, the present invention guides the payment of goods on the phone using the ARS system of the phone, so that the purchaser can easily proceed according to the ARS guidance, and anyone can use this payment system conveniently.

In addition, when the printer is installed in the phone, the present invention outputs a specification table of the transaction details of the corresponding card, so that the user can directly check the processing result, thereby increasing the reliability of the user during the payment processing of the shopping using the phone.

On the other hand, the present invention is not limited to the above-described embodiment, but various modifications are possible by those skilled in the art within the spirit and scope of the present invention described in the claims below.

Claims (9)

In the system for paying the amount of purchase or use of services, Merchant server for commerce a variety of goods or services; A card having a card reader and a selection button for selecting a telephone mode or a shopping settlement mode, allowing a general telephone call to correspond to the selection button of the telephone mode, and a card read through the card leader corresponding to the selection button for the shopping settlement mode A telephone which transmits information to the seller server and is notified of payment processing of the card price according to the authorization result sent from the seller server; And a payment relay server that receives the information of the goods purchased through the seller server and the card read through the phone and informs the seller server of the approval or non-approval of the financial system for the payment request of the lead card. Card payment system for purchases of goods using a telephone. The bank of claim 1, wherein if the card read to the card reader is a debit card or a cash card of the bank, the payment relay server inquires from the bank whether the balance is greater than the price of the purchased goods or services from the bank. If the account of the card is more than the purchase price, the card is transferred from the account of the card to the seller's account. If the card lead to the card reader is a credit card company's card, the payment relay server credits the credit card to the credit card company. The card payment system of a purchase item using a telephone, characterized in that the credit card payment processing of the purchaser's card payment amount is inquired and the credit card is approved. 2. The card payment system of claim 1, wherein the seller server comprises an ARS system. According to claim 1 or claim 3, wherein the phone has a shortcut button directly connected to the ARS system of the seller server, the amount of money for using the goods or services purchased in accordance with the ARS broadcast of the seller server connected to the shortcut button The card payment system of a purchase item using a telephone, characterized in that it comprises a printer for requesting payment by a card or a bank, and outputting a specification table for the card transaction details. The method of claim 1, wherein the seller server advertises goods or services using TV shopping or booklets, and when a buyer contracts to purchase goods or services, the seller bills the amount to the card settlement or bank account. Card payment system for purchases using a telephone. The method of claim 1, wherein the seller server operates an internet shopping mall and purchases an item or uses a service through a computer connected to the phone of the purchaser. Card payment system for purchases using a telephone, characterized in that for claiming. In the method for paying the amount of the purchase goods or service use, Determining whether a telephone call or a shopping payment mode is selected according to a selection button of the telephone; Automatically accessing an ARS system of a seller server when a button of a shopping payment mode is selected in the phone; Selecting an item or a service according to ARS broadcasting of the seller's server; Determining whether to pay by credit card or bank account for the selected item or service; If the card payment is selected, reading the card through a card reader of the phone and checking the payment amount; Receiving credit card information and payment amount data from the credit card company or credit card company according to the type of the read card to request credit card authorization; The payment relay server notifying the seller server of a result of approval or non-authorization of a credit card company or a bank; And If the card is authorized, the seller server notifies the purchaser of the end of the card payment processing, outputting a detailed table of the transaction details of the card and confirming the purchaser's delivery address. Payment method of purchased goods using. 8. The method of claim 7, further comprising the step of operating a normal telephone call when a button of a telephone call mode is selected in the telephone. 8. The method of claim 7, further comprising the step of issuing a branch for the payment amount when selecting the payment in the bank branch in the step of determining whether to pay the amount of the selected item or service by card or bank branch. Payment method of purchase goods using telephone.