KR200204567Y1 - System for Credit Card Confirmation of Wireless Internet - Google Patents

Abstract

The present invention is a system for verifying and retrieving credit card payments by wirelessly accessing the credit card payment wirelessly between mobiles. The mobile card can be accessed and retrieved by accessing the Internet protocols of mobile communication networks and wireless internet networks. It relates to a terminal payment system.

The credit card payment system of the present invention is to process the credit information and payment information into useful information, the data processing and storage unit 104 to process the data, and convert the input information into Internet protocol data of the wireless Internet network or Wireless network data processing unit 105 for converting the data of the wireless Internet network to the information to be transferred to the storage unit, wireless modem 106 for converting data to be transmitted to the wireless Internet network into an electrical signal or data, and payment information Credit information data display unit 107 for displaying the card information, payment information for the card input to the input unit, and a data output unit 108 for outputting the card information, payment information to the paper medium.

As a result, card payment between mobile cards is handled reliably and efficiently.

Description

Wireless Internet Card Payment Terminal System {System for Credit Card Confirmation of Wireless Internet}

The present invention is a system for verifying and retrieving credit card payments by wirelessly accessing the credit card payment wirelessly between mobiles. The mobile card can be accessed and retrieved by accessing the Internet protocols of mobile communication networks and wireless internet networks. It relates to a terminal payment system and its operating system.

Generally, credit card payment methods are classified into offline and online, but they have been converted to online where real-time information processing is possible. Representative online payment form is to enter the card information through the card payment terminal provided in a predetermined place as shown in Figure 1 and access the credit information database server of the van (VAN) operator through the wired telephone network information input result B. After receiving the result of the authentication process and retransmitting the result, the card payment is processed online. The card payment terminal must be installed in a predetermined place, and then the card payment is processed through a wired communication network.

In another format, a credit card can be used while moving by using a wireless data service without using a wired communication network. As shown in FIG. 2, a personal mobile communication terminal (cellular phone, corresponding to an access pointer) is provided. PCS phone), and the form of approving or rejecting card payment by data processing using wired communication network and the form using wired internet network are known, but have not been commercialized, and can be processed in unspecified places. The processing efficiency is lower than that of a credit card payment terminal using a wired telephone network.

The credit card payment system 10 processes the information contained in the credit card input unit 30 and the payment information input unit 40 and the credit card 20 to receive the information stored in the credit card 20 without a difference in wired and wireless formats. A data processing unit 50, a wired / wireless network data processing unit for transmitting and processing data processed by the data processing unit 50 at a short distance or long distance, and a wired modem 60 for transmitting and receiving data output through wired / wireless network data processing or Wired and wireless network including a wired and wireless data transmission and reception unit consisting of a wireless access point 70 is prepared separately, a wired or wireless network including a wired or wireless network base station 92 for transmitting and receiving data, and the data output through the wired and wireless network ban carrier (80) ) Credit information that displays the results through the credit information processing unit and payment terminal that process rejection or payment approval based on the information stored in the credit information server. It made of a data display unit 90 and the data output unit 91 or the like, a method of payment by default through a wired telephone network.

In the case of using the card payment terminal 10 as a credit card payment and inquiry means, since the terminal is usually installed at a designated place and the van operator 80 accesses the credit information server through a dedicated line or a wired telephone network, and receives the result as data. While data processing is stable and time and cost are low, card payment is impossible in real time while moving.

On the other hand, when the user accesses and pays the van operator's credit information server through the personal mobile communication device corresponding to the access point, payment is possible between mobile devices. However, the only difference is that the personal communication device is used as the Internet access resource corresponding to the access tool. As the payment method was followed in the wired telephone network, the reliability of mixed wired and wireless communication was not verified, and there were inconveniences in using a connection pointer and connection rate was low.

In addition, when using a wired Internet network, there is a problem in that it takes a lot of time and money to access and use the wireless network using a large amount of data of the Internet protocol transmitted and received.

Accordingly, an object of the present invention is to enable a credit card payment terminal system to be used reliably between mobiles.

Another object of the present invention is to reduce the inconvenience of using a separate access point for the Internet access to operate the credit card payment terminal system in real time during the movement.

Another object of the present invention is to provide a wireless Internet card payment terminal system that can be used at a low cost while increasing the connection rate and reducing the time for data processing while using a wireless Internet network.

Features of the present invention for achieving this purpose,

Credit card input unit that accepts the information stored in the credit card, Data processing unit for transmitting the input information contained in the credit card, Wired and wireless network data processing unit for transmitting and processing the data processed by the data processing unit in the short or long distance through the wired and wireless network, Data In the credit card payment system comprising a data transmission and reception unit for transmitting and receiving data output through the processing, and a credit information processing unit for processing the data output from the data transmission and reception unit on the basis of the information stored in the credit information server as payment rejection or approval of payment,

The card payment system,

A data processing and storage unit for processing the payment information inputted through the credit card input unit and the payment information input unit to make useful information, and processing card information and payment information;

A wireless network data processing unit for converting information input from the data processing and storage unit into Internet protocol data of a wireless Internet network or converting data of the wireless Internet network into information for transferring to the data processing and storage unit;

A wireless modem for converting data to be transmitted to the wireless internet network into an electrical signal or converting an electrical signal into data;

Credit information data display unit for displaying the card information, payment information for the card entered into the payment information input unit;

And a data output unit for outputting card information and payment information displayed through the credit information data display unit to a paper medium.

If you operate the card payment terminal system that can use WAP (Wireless Application Protocol), a separate resource for Internet access, and operate the existing wireless network card payment system via the access point. Fast data processing and access success rates that could not be obtained are guaranteed.

1 is a block diagram showing a general card payment terminal configuration

2 is a wireless network connection block diagram of the card payment terminal according to FIG.

3 is a block diagram of a card terminal system according to the present invention

4 is a schematic diagram of an Internet access gateway for implementing the present invention.

5 is a card payment flowchart according to the present invention

* Description of the symbols for the main parts of the drawings *

100: card payment terminal system 101: credit card input unit

102: payment information input unit 103: credit card

104: data processing and storage unit 105: wireless network data processing unit

106: wireless modem 107: credit information data display unit

108: data output unit 109: Internet network

110: Wireless Network Base Station 111: Van Operators (VAN)

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

3 is a block diagram illustrating a system configuration according to the present invention, and FIG. 4 is a schematic diagram of a WAP gateway implementation configured in a mobile communication network and an Internet protocol according to the present invention, and FIG. 5 shows a card payment processing flowchart according to the present invention.

In the card payment terminal system 100 configuration according to the present invention, the credit card 103 information input through the credit card input unit 101 and the payment information input unit 102 as shown in FIG. Data processing and storage unit 104 for processing information, payment information, data processing and storage unit 104 converts the information input from the Internet protocol data of the wireless Internet network or data processing and storage unit of the wireless Internet network data Wireless network data processing unit 105 for converting the information to be transmitted to the 104, wireless modem 106 for converting data to be transmitted to the wireless Internet network into an electrical signal or electrical signal into data, payment information input unit ( The card information, payment information displayed on the credit information data display unit 107, the credit information data display unit 107 to display the card information entered into the payment information on the paper medium And the output unit 108, a credit card payment information is embedded in the card payment terminal system 100 using a WAP protocol that is a wireless Internet-only protocol through the Internet network 109 wirelessly through this It is configured to be connected to the payment is possible.

The gateway (Gate Way) for wirelessly connecting the card payment terminal system 100 and the Internet network is shown in FIG. 4.

Known WAP gateway implementations include HTML reformatting, which converts the layout and content of HTML documents at the same time, and web clipping to find only WML documents in Internet documents that contain HTML and WML tags without touching the layout. The WAP gateway is a software that automatically converts HTML (Hyper Text Markup Language), which is a language for desktop PCs, into WML (Wireless Markup Language), which is a language for mobile terminals such as PDAs and mobile phones. It is operated by the network base station 110. Therefore, the card payment terminal system 100 of the present invention is a mobile communication terminal capable of transmitting and receiving data through the Internet network and the wireless modem 106 through such a WAP gateway, and the conversion of data required in the Internet wireless access environment and its It has a wireless network data processing unit 105 and a wireless modem 106 that can transmit and receive data.

Therefore, in the Internet card payment terminal system using the WAP, the card information is displayed on the credit information data display unit 107 through the data processing and storage unit 104 through the credit card input unit 101, and the payment information input unit. The data is processed by the data processing and storage unit 104 and the wireless network data processing unit 105 together with the information from the 102 is transmitted to the server of the van operator 111 through the wireless modem 106. In this case, the information transmitted from the wireless modem 106 is connected to the Internet network through the wireless network base station 110, and is connected to the web server of the van operator 111 using the WAP protocol.

An example card payment method using the wireless card payment terminal system of the present invention is shown in the flowchart of FIG. 5.

When the card payment terminal system is activated, the browser on the payment system for wireless Internet access is immediately executed (S1). When the browser is activated, the credit card input unit 101 receives credit information through the credit card input unit 101, or through the payment information input unit 102 through the card information input step of receiving payment information such as the payment amount (S2 to S3). Thereafter, the credit information and payment information input in the card information input step are temporarily stored in the data processing and storage unit 104 (S4), and the credit information and payment information stored in the data processing and storage unit 104 are stored in the wireless network. The data is transferred to the data processing unit 105, and the credit information and payment information are converted into a data format corresponding to the WAP protocol of the wireless Internet network (S5), and the converted credit information and payment information data is transferred to the wireless modem 106, thereby transmitting the wireless modem. The data is converted into an electrical signal through 106 and transmitted to the server of the van operator 111 which processes payment information and credit information data through the wireless Internet network connected in the step (S6). The payment approval result processed by the server of the van operator 111 is received by the wireless modem 106 again through the wireless Internet network (S7), the contents of which are displayed through the wireless network data processing unit 105 and the credit information data display unit. Displayed at 107 and transmitted to the data output unit 108 and outputs (S8).

In step S7, the terminal waits until it receives the approval or rejection information from the ban operator server. When the approval or rejection information is received, the result is displayed and the output is generated on the paper medium.

In the process of searching and paying for the credit card 103, a separate connection pointer is used in case of converting data on the system and embedding a browser that can access the WAP protocol, which is a wireless-only protocol of the Internet network, through the wireless modem 106. Internet access is executed in one-touch without access, and it is connected to van operator's web server using WAP protocol that supports WML, which is an international language for mobile terminals without any other resources.

When the wireless data service is classified into a wireless internet service, a wireless data communication service, a mobile computing service, and a wireless internet access service, the present invention basically uses the wireless internet service, but may be applied to other services.

According to the present invention as described above, it is possible to reliably implement mobile credit card payment through a wireless Internet network, and by using a card payment terminal system that can use a wireless Internet protocol WAP in using a wireless Internet network, There is no need for additional resources, and the data processing and access success rate, which could not be obtained in the existing wireless network card payment system operation through the access point, are guaranteed.

Claims (2)

Credit card input unit that accepts the information stored in the credit card, payment information input unit for entering the payment information, data processing unit for transmitting the input information and payment information contained in the credit card, data processed in the data processing unit through the wired or wireless network Wired / wireless network data processing unit for transmission and processing, data transmission and reception unit for transmitting and receiving data output through data processing, and data output from data transmission and reception unit for processing rejection or approval based on the information stored in the credit information server In the credit card payment system consisting of a credit information processing unit, The payment system, A data processing and storage unit which processes the information input through the credit card input unit and the payment information input unit into useful information, and processes the card information and the payment information as data; A wireless network data processing unit for converting information input from the data processing and storage unit into Internet protocol data of a wireless Internet network or converting data of the wireless Internet network into information for transferring to the data processing and storage unit; A wireless modem for converting data to be transmitted to the wireless internet network into an electrical signal or converting an electrical signal into data; Credit information data display unit for displaying the card information, payment information for the card entered into the payment information input unit; And a data output unit for outputting card information and payment information displayed on the credit information data display unit to a paper medium. The method of claim 1, The wireless Internet card terminal system is a wireless Internet card payment terminal system, characterized in that a built-in browser using a wireless Internet dedicated WAP protocol.