KR20020023339A - Creditcard secret number which is divided by cash service and credit buying service, in credit buying processor, first contrasting credit buying secret number - Google Patents
Creditcard secret number which is divided by cash service and credit buying service, in credit buying processor, first contrasting credit buying secret number Download PDFInfo
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- KR20020023339A KR20020023339A KR1020020002881A KR20020002881A KR20020023339A KR 20020023339 A KR20020023339 A KR 20020023339A KR 1020020002881 A KR1020020002881 A KR 1020020002881A KR 20020002881 A KR20020002881 A KR 20020002881A KR 20020023339 A KR20020023339 A KR 20020023339A
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Abstract
Description
종래의 신용카드나 현금지급카드는 현금인출 서비스 제공시 부여된 비밀번호의 일치여부를 판독후 금융행위를 수행하도록 되어 있어 신용카드의 분실이나 도난시 이를 습득한 자는 타인 신용카드의 비밀번호를 모르기 때문에 현금인출을 할수 없어 이를 카드가맹점에서 카드명의자의 분실신고 후 카드의 거래정지가 있기 전 까지 신용구매로써 신용카드를 사용한다, 본 발명은 신용카드의 메모리에 현금서비스시의 비밀번호와 신용구매시의 비밀번호를 분할 지정하고 현금서비스 비밀번호일치여부를 판독할수 있는 장치를 신용구매처리기의 키패드 자체내 또는 외부에 별도로 유무선 연결하여 구매처에서 신용구매시 카드사용자와 구매처가 신분증을 대조하는 대신 카드리더기가 신용카드의 신용구매비밀번호메모리를 인식하고 카드소지자가 비밀번호를 입력한 후 일치하였을 경우 신용구매처리기의 기능을 수행하도록 하는 것이다.Conventional credit cards or cash payment cards are required to perform financial acts after reading whether or not the passwords provided in the cash withdrawal service are matched, so that a person who acquires them in case of loss or theft of a credit card does not know the password of another credit card. The credit card is used as a credit purchase until the card transaction stops after the cardholder's loss is reported at the card merchant. The present invention provides a password for a cash service and a password for a credit purchase in the memory of the credit card. The card reader can purchase credit card credit card instead of checking the ID card when the credit card is purchased at the place of purchase. Recognize password memory and cardholder If hayeoteul match, enter the number that will be performing the functions of a credit purchase handler.
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도 1 은 본 발명의 활용 절차 흐름도1 is a flow chart of the utilization of the present invention
도 2 는 신용카드의 현금서비스와 신용구매서비스의 비밀번호분할 구성도2 is a block diagram illustrating password splitting between credit card cash service and credit purchase service.
도 3 은 신용구매처리기에 있어서 카드리더기의 선 비밀번호 판독 구성도3 is a configuration diagram of reading a line password of a card reader in a credit purchase processor;
신용카드의 현금서비스와 신용구매 서비스의 분할지정에 대한 사항과 신용구매처리기의 신용구매비밀번호 선 판독후 본래의 기능수행에 대하여 첨부된 도면을 참조하여 설명하면 다음과 같다.The matters regarding the divisional designation of the credit service and the credit purchase service of the credit card and the performance of the original function after reading the credit purchase password line of the credit purchase processor will be described with reference to the accompanying drawings.
도 1은 현금서비스와 신용구매서비스의 비밀번호가 구분지정된 카드의 소유자(S1)가 구매처에서 신용카드로 신용구매를 하기위해 신용구매처리기에 카드를 읽히는 상황(S2)에서 카드리더기가 카드사의 메인컴퓨터로 신용구매허용여부를 전송 전 신용카드의 신용구매비밀번호 일치여부를 확인하는 단계(S3)로서 비밀번호가 일치할 경우 카드사의 메인으로 구매승인을 하는 단계(S4)와 일치하지 않을 경우 재입력하고 그래도 일치하지 않을 경우 카드사용을 중지시키는 단계(S5)로서의 전체 흐름도이다.Figure 1 is a card reader is the main computer of the card company in the situation (S2) in which the owner (S1) of the card, the password of the cash service and credit purchase service is specified, the card is read to the credit purchase processor to make a credit purchase from the place of purchase. In step S3, the credit card purchase password is matched with the credit card before sending the credit card. If it does not match, the whole flow chart as a step (S5) to stop using the card.
도 2는 신용카드의 메모리의 비밀번호에 있어서 현금서비스와 신용구매서비스의 비밀번호분할지정에 관한 것으로서 신용카드의 비밀번호를 현금서비스비밀번호(1)와 신용구매서비스 비밀번호(2)로 분할구성하여 메모리하는 것이다.Fig. 2 relates to the division of passwords for cash services and credit purchase services in the password of the memory of the credit card. The credit card password is divided into a cash service password (1) and a credit purchase service password (2) and stored in memory. .
도 3은 분할 지정된 비밀번호를 가진 신용카드로 신용구매시 신용구매처리기의 카드리더기(3)가 신용카드의 신용구매서비스 비밀번호를 인식하고 신용카드사용자가 신용구매처리기에 자체의 키패드나 유무선으로 연결된 키패드에 비밀번호를 입력함(4)으로써 일치할때 신용구매처리기의 본래기능(5)을 수행하고 일치하지 않을 경우 재입력(6)하고 일치할 경우(7) 신용구매처리기 본래의 기능을 수행하고 역시 일치하지 않을 경우 신용카드의 사용거래를 거부함(8).3 is a card reader 3 of a credit purchase processor recognizes a credit purchase service password of a credit card when a credit is purchased with a credit card having a divided password, and a credit card user is connected to a keypad connected to a credit purchase processor with its own keypad or wired or wireless connection. Perform the original function (5) of the credit purchase processor when the password is matched by inputting the password (4), re-enter it if it does not match (6), and perform the original function of the credit purchase processor when it matches (7). If not, the credit card transaction is rejected (8).
신용카드의 분실이나 도난시 이를 인식하지 못한 카드소유자가 카드사에 카드분실신고를 하기전 타인이 신용카드로 신용구매에 사용함으로써 생기는 카드사와 카드가맹점, 카드명의자의 손실을 예방할수 있어 신용카드의 신뢰성을 확보하고 신용카드사용시 주민등록증 대조의 절차를 생략하고 매출전표에 싸인하는 이중의 절차를 가짐으로써 도난이나 분실로 인한 신용카드의 사용을 예방할 수 있음The reliability of credit cards can be prevented from loss of card companies, card merchants, and card holders caused by others using credit cards to purchase credit cards before the cardholders fail to recognize card loss or theft. Security card and use of credit card by skipping the procedure of checking the ID card and signing the sales slip, thus preventing the use of credit card due to theft or loss.
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KR1020020002881A KR20020023339A (en) | 2002-01-14 | 2002-01-14 | Creditcard secret number which is divided by cash service and credit buying service, in credit buying processor, first contrasting credit buying secret number |
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Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR19990083861A (en) * | 1999-08-20 | 1999-12-06 | 김영주 | Multiple Password Use for Bank Account and Credit Card |
KR20000054780A (en) * | 2000-06-23 | 2000-09-05 | 김형년 | A settlement system by use of payment means having a multi-ID |
KR20010081799A (en) * | 2000-02-18 | 2001-08-29 | 남정호 | Method of using Credit Card for Electronic Commerce |
KR20010091410A (en) * | 2000-03-15 | 2001-10-23 | 궁지성 | Electronic payment method on internet |
KR20020043414A (en) * | 2000-12-04 | 2002-06-10 | 백관석 | Credit card granting e-commerce password |
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- 2002-01-14 KR KR1020020002881A patent/KR20020023339A/en not_active Application Discontinuation
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR19990083861A (en) * | 1999-08-20 | 1999-12-06 | 김영주 | Multiple Password Use for Bank Account and Credit Card |
KR20010081799A (en) * | 2000-02-18 | 2001-08-29 | 남정호 | Method of using Credit Card for Electronic Commerce |
KR20010091410A (en) * | 2000-03-15 | 2001-10-23 | 궁지성 | Electronic payment method on internet |
KR20000054780A (en) * | 2000-06-23 | 2000-09-05 | 김형년 | A settlement system by use of payment means having a multi-ID |
KR20020043414A (en) * | 2000-12-04 | 2002-06-10 | 백관석 | Credit card granting e-commerce password |
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