KR200265296Y1 - Credit card inquiry device be easy to one's identy of sales slip in commercial transaction system using mobile device - Google Patents

Abstract

The credit card searcher, which can easily verify receipts, is intended to receive credit card information in the form of optical signals and request transaction approval, and to make verification of receipts more convenient after normal credit transactions. The present invention incorporates an optical receiver in a conventional credit card inquiry system, receives not only the swapping of magnetic (MS) cards, but also receives the card information transmitted from the mobile terminal for credit transaction inquiry, and the customer signature column of the sales slip printed after a normal credit transaction. Is configured to print together the mobile phone number used in the credit transaction. Therefore, the present invention can further activate the credit transaction using the optical signal, it is more convenient to verify the receipt through the telephone number printed on the sales slip at the store where the credit transaction occurs frequently, such as restaurants or gas stations, It provides the effect of preventing the theft of credit information.

Description

Credit card inquiry device be easy to one's identy of sales slip in commercial transaction system using mobile device}

The present invention relates to a credit card inquiry device, and more specifically, a built-in optical receiver to receive credit card information in the form of optical signals as well as swapping of magnetic (MS) cards to request transaction approval, and after receipt of a normal credit transaction The present invention relates to an easy-to-use credit card checker that prints a phone number on a receipt to make it easier to verify the receipt.

Recently, as a payment method, a credit card that is easy to use and carry than cash is used. As a result, the number of credit card merchants has increased, and the types of products that can be paid by credit cards have also increased. However, there is a serious problem with the theft of credit cards, such as the need for possession of a credit card for commerce and the possibility of unfair use of a lost credit card.

In view of this, an optical transceiver capable of storing personal card information in a mobile terminal such as a PCS phone, a mobile phone, or a PDA, which most users always possess, and transmitting the stored card information in the form of an optical signal during a credit transaction A new commerce system that can be attached and used as a payment method for a magnetic credit card is described in the specification of "Photo-Paper Transmission and Receiving Device and Optical Payment System Using the Same" of Patent No. 2001-13736 filed by the same applicant. Please refer to the specification for more details.

However, in order to use the mobile terminal with the above optical transmitter as a payment means, a credit card inquiry machine with a receiver for receiving card information transmitted from the mobile terminal should be installed in the store. In addition, in a credit transaction using a mobile terminal equipped with an optical transmitter and receiver, identification of a receipt is necessary at a store where credit transactions such as restaurants and gas stations occur frequently.

Accordingly, an object of the present invention is conceived in view of the above-mentioned points, a credit transaction by receiving a card information optically transmitted from the mobile terminal with a built-in optical receiver in a conventional credit card query equipped with a magnetic (MS) card reader unit It provides a credit card inquiry machine that allows easy identification of a receipt so that the mobile phone number can be printed on the customer signature column of the receipt after a credit transaction using an optical signal and used for verification of the receipt.

1 is an external appearance front view showing a credit card inquiry easy to verify the receipt of the present invention,

2 is a block diagram showing the inside of the credit card reference device of FIG.

Figure 3 is a receipt that the telephone number is printed in the customer signature column.

<Description of the symbols for the main parts of the drawings>

10: credit card inquiry machine 11: optical receiver

12: MS card reader 13: screen display

14: key input unit 15: printing unit

16: modem unit 17: central operation unit

18: memory 20: sales slip (receipt)

21: Signature of Customer

Credit card inquiry machine for easy identification of receipt according to the present invention for achieving the above object, in the credit card inquiry machine for receiving and paying the card information transmitted from the mobile terminal, the card information of the optical signal type An optical receiver for receiving the mobile terminal together with the phone number, an MS card reader unit for reading card information through swapping of magnetic (MS) cards, and a card received at the optical receiver or read from the MS card reader unit Crediting information, and the central operation unit for controlling the mobile terminal telephone number used in the credit transaction after the normal credit transaction to be printed on the sales slip, and the credit transaction details and the phone number to the sales slip under the control of the central computing portion It includes a printing unit for printing.

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

1 is a front view of the appearance of a credit card lookup easy to verify the receipt of the present invention. The credit card inquiry device 10 of FIG. 1 is the same as a conventional credit card inquiry device, and an optical receiver 11 is additionally embedded to enable credit transactions using only an optical signal. In more detail, the credit card inquiry device 10 of FIG. 1 is an MS card reader unit 12 for receiving all card information through swapping of a magnetic card and communication with a mobile terminal (not shown) to which an optical transceiver is attached. ) And an optical receiver 11. The MS card reader unit 12 is provided on the right side of the credit card inquiry machine 10 so as to easily scratch the magnetic card, and the optical receiver 11 of the credit card inquiry machine 10 to facilitate communication with the mobile terminal of the customer. It is provided on the upper front side. The credit card inquiry device 10 of FIG. 1 is also provided with a key input section 14 in which a plurality of buttons are arranged, and a screen display section 13 displaying a credit inquiry status. Then, the printing unit 15 for printing the credit history on the receipt is provided. The internal configuration of the credit card inquiry machine 10 is as shown in FIG.

The credit card inquiry device 10 shown in FIG. 2 includes an MS card reader 12 for swapping a magnetic card and an optical receiver 11 for receiving credit card information through communication with a mobile terminal possessed by a customer. It is provided. Here, the optical receiver 11 receives the credit card information in Ir form from the mobile terminal with an infrared (Ir) receiver. The credit card checker 10 of FIG. 2 may also perform various functions such as a screen display unit 13 for displaying a credit inquiry state, a numeric button for inputting a number such as a password and an amount of a customer, and a button for credit inquiry. A key input section 14 comprising a plurality of buttons for printing, and a printing section 15 for printing a receipt. The memory 18 temporarily stores credit card information received through the MS card reader unit 12 or the optical receiver 11. Meanwhile, the credit card checker 10 of FIG. 2 transmits credit card information stored in the memory 18 through a modem connection with a van company, requests credit inquiry and transaction approval, and notifies the transaction approval result from the van company. A receiving modem section 16 and a central computing section 17 for controlling the operation of each component and controlling the customer phone number to be printed on the credit transaction using the optical signal and the receipt after the credit transaction are provided.

The operation of the credit card inquiry device 10 of the present invention having such a configuration will be described in detail with reference to FIG. 3.

In places where credit transactions are frequently performed, such as department stores, gas stations, and restaurants, payment methods may be classified into a case of using a magnetic card and a case of using an optical signal. The use of magnetic cards is a general matter and will be briefly explained first.

The customer hands the employee a magnetic credit card. The employee reads the card information by swapping the credit card in the MS card reader unit 12 of the credit card inquiry machine 10 provided at the counter. The central computing unit 17 of the credit card inquiry unit 10 stores the card information read from the MS card reader unit 12 into the memory 18 and then connects to the bansa through the modem unit 16 and the modem. When the connection is established, the central computing unit 17 transfers the card information stored in the memory 18 to the bansa through the modem unit 16, inquires the credit, and requests the transaction approval. Ban company transfers the card information requested for the transaction approval to the card company, and when the transaction is approved by the card company, the ban notifies the credit card inquiry machine 10 requesting the approval. The central computing unit 17 of the credit card inquiry machine 10, when notified of the transaction approval, operates the printing unit 15 to print the sales slip 20 as shown in FIG. 3 as a receipt. In the sales slip 20, the transaction amount, the installment months, the card number, and the like, are printed. The employee receives the customer's signature on the printed receipt and hands it to the customer with a credit card.

Next, in the case of making a credit transaction using an optical signal, the customer directs the mobile terminal storing the card information toward the optical receiver 11 of the credit card inquiry machine 10 and then optically transmits the card information. At this time, the phone number of the mobile terminal is also optically transmitted. The optical receiver 11 of the credit card inquiry machine 10 receives the telephone number and the card information transmitted from the mobile terminal, converts the signal into an electrical signal, and stores it in the memory 18 through the central operation unit 17. The central computing unit 17 connects to the bansa via the modem unit 16 and transmits the credit card information stored in the memory 18 to request credit approval. Bansa forwards the transaction approval request to the card company, and passes the approval result to the credit card checker (10). The central computing unit 17 of the credit card inquiry machine 10 prints the sales slip 20 as shown in FIG. 3 as a receipt through the printing unit 15 after the transaction is approved. At this time, the printing unit 15 is a telephone number stored in the memory 18 in the customer signature column 21 at the bottom of the sales slip 20, that is, as shown in FIG. Print the numbers together. The employee sends the receipt to the customer corresponding to the transaction using the telephone number printed in the signature column of the sales slip, without requiring the customer to have a separate signature. Receive a receipt by calling the customer with four digits. The telephone number printed on the sales slip 20 is used to determine the theft when a credit transaction problem occurs in the future. That is, if the mobile phone number and the card information is matched, and the phone number for the card information used in the credit transaction is different from the matched phone number, the card information is considered stolen.

As described above, the credit card searcher that can easily verify the receipt of the present invention according to the present invention enables a credit settlement using an optical signal by incorporating an optical receiver into a conventional credit card query and credit transaction in the customer signature column of the sales slip. Since the mobile phone number used in the printing is printed together, identity verification can not only prevent the theft of credit information, but also have the effect of correctly delivering the receipt to the user after the credit transaction.

Claims (4)

In the credit card inquiry machine for receiving and paying card information that is optically transmitted from the mobile terminal, An optical receiver for receiving the card information in the optical signal form together with the mobile terminal telephone number; An MS card reader unit for reading card information through swapping of magnetic (MS) cards; A central computing unit for performing a credit transaction using card information received from the optical receiver or read from the MS card reader unit, and controlling the mobile terminal telephone number used in the credit transaction to be printed on a sales slip after a normal credit transaction; And And a printing unit for printing the transaction details and the telephone number on the sales slip under the control of the central computing unit. The credit card query device according to claim 1, wherein the optical receiver is an infrared (Ir) receiver. The method of claim 1, wherein the central computing unit controls the mobile terminal phone number used for credit payment to be printed in the customer signature column of the sales slip when the credit is made with the card information received from the optical receiver. A credit card checker, characterized in that for confirmation. 4. The credit card inquiry device as set forth in claim 3, wherein the telephone number printed on the sales slip is used to determine credit transaction theft.