KR200271131Y1 - credit card terminal - Google Patents

Abstract

The present invention relates to a card terminal using an Internet dedicated line, which is connected to each system operator (VAN) by using a line such as a general telephone line (PSTN), HINET-P, CO-LAN, etc. In the credit card transaction approval system, the credit card transaction approval system is to allow the credit card company to approve the transaction in the reverse direction.

The card terminal 10 has a built-in LAN card 11, by using the LAN dedicated network 20, such as ADSL,

When there is a card transaction in the card terminal 10 of the affiliated store, the system operator 30 uses card-related information including at least a card number, a sale amount, and the like read from a card traded through the card terminal. Connecting with the access server 31 of the pre-verification operation is made, and transmitting the card related information;

Transmitting, at the transaction approval server 32 of the system operator 30, an authorization request signal together with the card related information to the card company 40 according to the type of the card;

Receiving the card management information including the credit card theft loss and authorization number, etc. from the card company 40 requesting the approval; And

And providing the received card management information to the card terminal 10 and outputting the same to a printer.

In addition, the present invention has a built-in LAN card (LAN-CARD) in the transaction approval card terminal with a built-in modem to enable TCP / IP communication using a dedicated Internet line such as ADSL.

Therefore, the installation and maintenance cost becomes cheaper because of the relatively simple configuration, and the communication cost is much lower than the conventional one because the monthly fee is irrespective of the number of times of use, and the transaction approval speed is also achieved by using the Internet-only network such as ADSL. By the faster the card payment time can be shortened, thereby having an effect that can give convenience to the card user.

Description

Card terminal using internet line {credit card terminal}

The present invention relates to a card terminal using an Internet dedicated line, and in particular, by allowing a credit card transaction to be approved using an Internet leased line, which is fast and has a low communication rate, stable transaction approval and maintenance costs are much lower than those of the conventional one. It is related to a card terminal using a dedicated Internet line that allows faster transaction approval speed.

Today, credit cards are widely used as a means of payment for goods and are very convenient because they do not have to carry cash.

In general, as shown in FIG. 3, the credit card payment system approves all credit card transactions that occur at the general merchant store 100 through the terminals of the respective system operator 300 (VAN). Alternatively, after connecting to each system operator 300 (VAN) using a line such as HINET-P, CO-LAN, and the like, the transaction approval in the reverse direction is approved whether the credit card company is authorized to the credit card company. The access method and communication method for the transaction approval of the affiliated store have specificity, that is, the method using the general telephone network (PSTN), HINET-P, CO-LAN and the general leased line, and the communication method is X.25, There is a TCP / IP method.

Here, each credit card company is mainly composed of X.25, and general large companies among merchants mainly use TCP / IP method. Meanwhile, the general telephone network (PSTN) communicates using a system operator's modem communication.

That is, as shown in Figure 4, between the merchant terminal 110 and the VAN HOST 210 receives a card transaction approval using a general telephone network (PSTN).

Meanwhile, the TCP / IP card transaction approval communication procedure is shown in detail in FIG. As shown, part C is a part using the TCP / IP method. The communication method is an OSI (Open System Interconnect Reference Model) model and includes the following seven layers that define the functions of the data communication protocol. Each layer model performs each function when transmitting data.

① Physical layer defines physical characteristics of network media, ② Data Link layer provides stable data transmission through physical connection, ③ Network layer manages network connection for upper layer, ④ Transport layer is end-to-end error It provides inspection and correction, ⑤Sessionr layer manages sessions between application programs, ⑥Presentation layer standardizes data representation in application program, and ⑦Application layer uses 7 layer structure composed of network applications.

In the current TCP / IP scheme, a router (502, 502 '; router) and a DSU (501, 501') are included at an intermediate point to enable communication between both servers. Routers (502,502 '; Router) is to tie each company's network environment into each other's IP class (Class) to make both IP bands compatible through the leased line, DSU (501,501') maintains / complement the communication method It is the last communication connecting device. In TCP / IP, a public / private IP must be assigned to each server, and the same IP is also applied to various clients 100, 100 ', 100 "; Clients 100, 100 ', 100 " are different according to the site 500 characteristics, but are notified of request for data approval after accessing their server using a necessary application program of card transaction approval.

Here, the system operator applies the TCP / IP method that is suitable for the enormous amount of data, the independence of the characteristics of the street area, and the complex network environment, mainly for department stores and large companies, and the communication method using the TCP / IP is complicated, Due to the high installation cost, it can only be used by department stores and some large companies, and it can not be applied by small and medium-sized companies.

In addition, if the credit card is approved using a line such as the PSTN, HINET-P, CO-LAN, etc., the communication fee is excessive, and the communication speed is low, so the approval time becomes longer. There are problems such as being in line to pay the price, which may cause inconvenience to credit card users.

Therefore, the present invention is designed to solve the above problems, it is made of a relatively simple configuration, as well as a monthly fee, communication costs are significantly lower than the conventional one and can give convenience to the card user by the speed of transaction approval The purpose is to provide a card terminal using a dedicated Internet line.

1 is a schematic diagram of a credit card transaction approval system according to the present invention;

2 is a schematic configuration diagram of a card terminal applied to a credit card transaction approval system according to the present invention;

3 is a schematic diagram of a credit card transaction approval system using a modem according to the related art;

4 is a schematic diagram illustrating a communication procedure of a general telephone network according to the related art;

5 is a schematic diagram illustrating a communication procedure of TCP / IP as a conventional technology.

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

10 --- card terminal, 11 --- LAN card,

12 --- memory, 13 --- CPU,

14 --- printer buffer, 15 --- printer,

20 --- Internet Dedicated Network, 30 --- System Operator,

31 --- access server, 32 --- transaction approval server,

40 --- Credit Card Company.

The present invention for achieving the above object is connected to each system operator (VAN) using a line such as a general telephone line (PSTN), HINET-P, CO-LAN to the card terminal installed in the merchants In the credit card transaction approval system that is to approve the credit card transaction to the credit card company in the reverse direction,

The card terminal has a built-in LAN card, the LAN card can use the Internet dedicated network, such as ADSL,

When there is a card transaction in the card terminal of the affiliated store, the pre-verification operation by accessing the card-related information including at least the card number, sales amount, etc. read from the card traded through the card terminal using the Internet dedicated network After this, transmitting the card related information;

Transmitting, at the transaction approval server of the system operator, an authorization request signal together with the card related information to a card company according to the type of card;

Receiving card management information including a credit card theft loss and an authorization number from the card company which requested the approval; And

And providing the received card management information to the card terminal and outputting the same to a printer.

In addition, the present invention installs a program that can be connected to the transaction approval server for the data brought in the form of a card transaction approval data (the same port communication), so that the corresponding port that interacts with the transaction approval request data If yes, the connection program is further characterized in that it further comprises the step of receiving a transaction approval by connecting to a transaction approval server via a communication device such as a firewall (Rorewar-Router).

In addition, the present invention is characterized in that the LAN-CARD is embedded in the transaction approval card terminal with a built-in modem to enable TCP / IP communication using an Internet dedicated line such as ADSL.

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

1 is a schematic diagram of a credit card transaction approval system according to the present invention.

First, the Asymmetric Digital Subscriber Line (ADSL) is a direct 1: 1 connection between a telephone company and each home, and in the case of a downward flow of data from a telephone company to a user, high-speed data communication of at least 1.5 Mb is generally possible. The upward signal of is quite slow. Therefore, it is referred to as an asymmetric service, not a symmetric service having the same up and down direction. The advantage is that not only high speed data communication can be used without using a telephone line or a telephone, but a single telephone line can handle both general telephony and data communication. Traditional modems cannot use both telephone and data communications at the same time. ISDN can be used concurrently, but the data rate is cut in half. However, ADSL uses low frequency band for voice communication and high frequency band for data communication, so there is no crosstalk and communication speed does not decrease. The present invention is to allow credit card transaction approval using the ADSL having the above advantages.

As shown in detail in Figure 1, the present invention is connected to each system operator (VAN) by using a line such as a general telephone line (PSTN), HINET-P, CO-LAN to the card terminal installed in the merchants In the credit card transaction approval system that is to approve the credit card transaction to the credit card company in the reverse direction,

The card terminal 10 has a built-in LAN card 11, by using the LAN dedicated network 20, such as ADSL,

When there is a card transaction in the card terminal 10 of the affiliated store, the system operator 30 uses card-related information including at least a card number, a sale amount, and the like read from a card traded through the card terminal. Connecting with the access server 31 of the pre-verification operation is made, and transmitting the card related information;

Transmitting, at the transaction approval server 32 of the system operator 30, an authorization request signal together with the card related information to the card company 40 according to the type of the card;

Receiving the card management information including the credit card theft loss and authorization number, etc. from the card company 40 requesting the approval; And

And providing the received card management information to the card terminal 10 and outputting the same to a printer.

Here, the Internet dedicated network 20 can be used to further include ISDN, cable line, Durnet line and the like.

In detail, the header portion of the TCP / IP scheme of the present invention includes a transmission / reception IP in the Internet Layer. In the transport layer, communication is performed to the corresponding connection port. In the ADSL card terminal, an IP band is assigned to the access server 31, and the connection is made first.

In this case, all ADSL cannot connect to the main server which is authorized for transaction due to the security problem. Therefore, consider the primary security by using the VAN connection server in front of the firewall before passing through the firewall. First, for the data brought in the form of card transaction approval data (same port communication), install a program that can connect to the transaction approval server 32 so that the corresponding port that matches the transaction approval request data is correct. In this case, the connection program is driven to access the transaction approval server 32 through a communication device such as a firewall-router and receive transaction approval. Part A in FIG. 1 is a pre-verification procedure for accessing the VAN access server 31 by connecting to ADSL, and part B in FIG.

The above is the composition and explanation of the approval of card transaction using ADSL, which is monthly payment. When requesting approval of card transaction through ADSL, and receiving approval, the excess of general leased lines, HINET-P, CO-LAN, etc. currently in operation. It is expected to reduce the burden on a line charge, and it is expected to be able to meet the demands of users who demand high speed due to the characteristics of Korea.

2 is a schematic configuration diagram of a card terminal applied to a credit card transaction approval system according to the present invention. As shown, the card terminal 10 of the present invention is added to the card (11) using a LAN (LAN) in place of the existing modem to perform TCP / IP communication. There is no major change in the existing format, and a LAN is attached to the card terminal to enable TCP / IP communication.

That is, when connected to the system operator 30 through the LAN card 11, after storing the data received from the printer buffer 14 through the memory 12 and the CPU 13, and outputs from the printer 15 will be.

The operation of the present invention described as described above will be briefly described once again.

First, in the merchant, holding the customer's card with one hand in the Internet-only card terminal 10 of the present invention with a built-in LAN card (11) and scrapes the credit card from the top of the magnetic card reader from the motherboard, through the Internet dedicated network (20) When the system operator 30 is connected to the ADSL access server 31 of the VAN, and in this state, the installment month, the payout, and other inputs are input, the exclusive network in the transaction approval server 32 of the system operator 30 is entered. (21) if the approval is recognized by communicating with the credit card company 40 through the credit card company 40, again from the transaction approval server 32 to the Internet dedicated card terminal 10 of the merchant through the Internet dedicated network (20) The authorization number will be sent, and the sales terminal with the authorization number will be printed with the installment month, payout and other inputs.

Therefore, since the card approval process is performed using the Internet-only network such as ADSL, which is fast and inexpensive, merchants can receive fast card approval as well as cost reduction.

According to the present invention described in detail as described above, as a relatively simple configuration, as well as the installation maintenance cost is low, as well as the monthly fee regardless of the number of uses, the communication cost is significantly lower than the conventional one.

In addition, by using the Internet-only network, such as ADSL, the transaction approval speed is faster, the card payment time can be shortened, thereby providing a convenience to the card user.

Claims (1)

A card terminal for transaction approval in which a modem is embedded, wherein a LAN card (11; LAN-CARD) is built in so as to enable TCP / IP communication using an Internet dedicated line such as ADSL.