KR200281379Y1 - Add-check unit - Google Patents

Abstract

Collection card service dedicated terminal is to enable the collection service payment through the purchaser's credit card and credit card inquiry terminal for the supply of goods. The terminal of the present invention is a credit card inquiry terminal installed in a store where a product is purchased. The terminal is equipped with a collection card service function by modifying only an internal program without changing the equipment. Or, it is configured to read the credit (debit) card of the corporation and the collection card information of the supplier to request the service approval to the service company, and output the sales slip (SLIP) in the name of the supplier upon receiving the approval notification. Therefore, the present invention provides an effect that can smoothly service a new collection method of the payment settlement system using the collection card.

Description

Collection card service terminal {Add-check unit}

The present invention relates to a terminal dedicated to collection card services, and more particularly, to a terminal for credit card inquiry that is installed on a buyer's side for providing a supply and payment service through a credit card to a supplier and a buyer.

Card transactions are expanding not only between individual customers and stores, but also between suppliers and stores that supply goods. In other words, a purchase-only card was issued in order to eliminate the closing of accounts receivables and bankruptcy due to the collection of payments mainly made of cash or bills. This purchase-only card is a limited credit card service that can be used between limited suppliers and buyers. Issuance of purchase-only cards is largely divided into businesses (corporations, individuals) and individuals, but its issuance standards and management system are not organized. In addition, the limit of a purchase-only card is limited to a specific financial company, so a purchase card holder (buyer) can use only a limited amount as a purchase money within a limited period of time. To generate purchase-only card sales, the supplier shall carry a credit card inquiry terminal (wireless terminal, PDA, etc.) in the name of the supplier (merchant) and conduct transactions through a mobile terminal when supplying, or purchase where the supplier's terminal is located. You must bring your own card to trade.

However, the use of purchase-only cards such as the above typically has a limited trading limit and trade items, and the collection of credit card supplies depends on cash, since each salesperson must have an expensive portable terminal. have. As a result, there is always a risk of bills, receivables, defaults, etc.

In view of this, using the existing credit card service system, it is possible to use a credit card that can be issued from all credit card companies instead of a special card or a separate terminal such as a purchase-only card and a credit card inquiry terminal of the buyer side. In 2001, the applicant of the present invention developed a prior art technology that allows a supplier to scratch a collection card on a purchaser's terminal when payment is made due to supply of goods, and the settlement is made by the purchaser's credit card. No. 2001-58655, filed on Sep. 21, entitled "Method and System for Payment Settlement Using Collection Card". Please refer to the specification for more details.

However, in order to settle the price using the collection card as described above, a dedicated terminal capable of trading the collection card is required. However, existing credit card inquiry terminals installed in the shop store side do not have a collection card transaction function.

Therefore, the object of the present invention was devised in view of the above-mentioned point, and only by modifying the program embedded in the existing credit card inquiry terminal, or by supplying a separate terminal equipped with a collection card transaction function collection card It is to provide a collection card service dedicated terminal that can be used for payment settlement.

1 is an external view showing a collection card dedicated terminal according to the present invention,

2 is a block diagram showing the inside of the terminal 1;

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

10: terminal 11: key input unit

12: MS card reader 13: screen display

14: printing unit 15: memory (ROM)

16 communication unit 17 control unit

The collection card service-only terminal of the present invention for achieving the above object is a credit card inquiry terminal for card transaction for the collection of money according to the supply of goods, the key input unit for the key operation for the collection transaction, and the buyer MS card reader unit for reading card information of credit card and collection card of supplier, memory on which collection card service related program is loaded, and collection of money collection menu according to key operation of key input unit A control unit for controlling a collection card transaction by executing a program loaded in the memory on a menu, and communicating with a service company providing a collection transaction service, and collecting credit card information of a buyer and a supplier's collection under the control of the control unit Send the card information and transaction details to the service provider connected with the transaction approval request. And it includes a communication unit for receiving a service authorization result from captured, and the print section for outputting to print the provider name of the sales slips under the control of the controller.

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

1 is an external view of a collection card service dedicated terminal according to the present invention. The collection card service dedicated terminal 10 shown in FIG. 1 is the same as the existing credit card inquiry terminal provided on the buyer's side, such as an agency or a store, which receives goods from a supplier (or salesperson). However, the collection card service dedicated terminal 10 of FIG. 1 is provided on a key input unit 11 including numeric keys 0 to 9 for numeric input such as amount of money, installment months, and a plurality of function keys for performing various functions. It has a function key for collection card service. Of course, it is also possible to set and use any of the existing keys without separately provided collection card function keys. The collection card service dedicated terminal 10 of FIG. 1 also has an MS (magnetic stripe) card reader unit 12 for reading card information from the purchaser's credit card and the supplier's collection card, and shows the progress of the collection card transaction. A screen display unit 13 for displaying is provided. And a printing unit 14 for printing and printing the sales slip in the name of the supplier according to the collection card transaction. The internal configuration of the collection card service dedicated terminal 10 is as shown in FIG.

The collection card service-only terminal 10 shown in FIG. 2 includes a key input unit 11 including a plurality of function keys for performing various functions such as a number key for input of a number, an installment month number, and a function key for a collection transaction. And an MS card reader unit 12 for reading card information of a collection card and a credit card. The collection card service dedicated terminal 10 of FIG. 2 further includes a screen display unit 13 for displaying a collection transaction state, a printing unit 14 for slip printing a collection transaction result, and a program for collection card service. The memory 15 mounted thereon is provided. Here, the memory 15 uses a read only memory (ROM) or a flash (flash) memory, and the corresponding program is provided by a service company providing a collection transaction service. On the other hand, the collection card service dedicated terminal 10 of FIG. 2 is a communication unit 16 for communication connection with the collection transaction service company, and controls the overall operation of each configuration, the memory according to the key operation of the key input unit 11 A control unit 17 for controlling the collection transaction function by executing the program mounted in (15) is provided.

The operation of the collection card service dedicated terminal 10 of the present invention having such a configuration will be described in detail.

The goods supplier enters a merchant contract with the purchaser of each card company, acquires a merchant number, registers with a service company that provides collection card transaction service, and receives a collection card from a service company. Collection cards may be issued by service providers or through affiliated financial institutions. In this way, the collection card of the supplier and the credit card possessed by the purchaser of the goods such as a dealer or a store is collected through the collection card service dedicated terminal 10 presented in the present invention.

When a buyer requests a transaction to pay with a credit card holding a supply of goods supplied by a supplier and a payment card issued by a supplier, a collection card function key on the key input unit 11 of a terminal 10 dedicated to a collection card service on the buyer's side To set the collection mode. When the collection transaction menu is set according to the key operation of the key input unit 11, the controller 17 drives the collection card service program mounted in the ROM 15 to perform the collection transaction. Here, the collection card function key uses a dedicated key or any one of a plurality of numeric keys. In the present embodiment, instead of a separate dedicated key, the number "5" key among the numeric keys is used as a collection card function key. That is, after pressing the number key "5" on the key input unit 11 and then press the key for the collection card approval. Here, the number key "1" is used as the collection card authorization key, the number key "2" is used as the cancel key, and the number key "3" is used as the visit inquiry key. After requesting the collection card approval by pressing the number key "1" on the key input unit 11, the buyer recognizes the card information by scraping the credit card carried through the MS card reader unit 12 of the terminal 10 without additional card restriction. . The collector also scrapes the collection card through the MS card reader unit 12 of the terminal 10 to recognize the card information. The MS card reader unit 12 reads the encoded card information contained in the track 2 of the credit card and collection card magnetic part. The contents of the card information contained in track 2 of the collection card are shown in Table 1 below.

Hanghang Item Attribute M / S D / S F / S Length location Usage code Contents One Start sign M S F One 1-1 ; Start of encoding data 2 card number M S V 16 2-17 3 Separator M S F One 18-18 = 4 Validity M S F 4 19-22 YYMM 5 Service code M S F 3 23-25 6 Delimiter M S F One 26-26 7 password M S F 4 27-30 2 8 CVV M S F 3 31-33 9 FILLER M S F 5 34-38 10 End sign M S F One 39-39 ? 11 LRC M S F One 40-40 Longitudinal redundancy check system 40

Then, the amount of money to be collected, the number of installment months, and the like are input by operating the numeric keys on the key input unit 11. If you press the delete key in case of input error, it will return to the previous step. The control unit 17 in the collection card service dedicated terminal 10 communicates transaction details such as the purchaser's credit card information read through the MS card reader unit 12, the collection card information and amount of the supplier, and the number of installment months. ) And send to the connected service company and request transaction approval. The service company builds a database of merchant card and collection card number of each supplier, which is registered in advance in the database, and when a transaction approval request is received, the service company replaces the collection card of the transaction history data delivered with the corresponding credit card merchant number. The transaction approval request is transmitted to the card issuer, and the transaction approval result is transmitted to the corresponding terminal 10 requesting the transaction approval. The purchaser-side collection card service-only terminal 10 receives an approval result from a service company connected through a communication unit 16. When the controller 17 recognizes that it is approved from the received approval result, the controller 17 controls the printing unit 14 to print and output the sales slip under the name of the supplier. Then, the controller 17 indicates that the collection transaction is normally performed on the screen display unit 13 to terminate the service.

If you want to cancel the approval for a specific day or a specific transaction, request the cancellation of approval by selecting the number key "2" of the key input unit 11 on the collection transaction menu. Then, after reading the collection card and credit card through the MS card reader unit 12, input the approval date, number and amount with reference to the contents printed on the sales slip. The control unit 17 receiving the input transmits the transaction history data input together with the request for canceling the approval to the service company connected to the communication through the communication unit 16 in the same manner as the approval request. The service company transmits the request for approval cancellation to the corresponding card company that approved the transaction, and transmits the result to the terminal 10 requesting the cancellation. The collection card service dedicated terminal 10 receives a result of the request for cancellation of approval from a service company connected to the communication unit 16. The control unit 17 displays the result on the screen, and outputs a cancellation slip through the printing unit 14 when the approval is canceled normally.

On the other hand, in the case of visiting inquiry of the supplier, the visit inquiry is requested by selecting the number key "3" of the key input unit 11 on the collection transaction menu. Then, the collection card is read through the MS card reader unit 12 so as to notify the service company that the supplier has visited the customer.

As described above, the present invention has been described with reference to a purchaser side credit card inquiry terminal, but is not limited thereto, and it is obvious to those skilled in the art without explaining that the present invention can be extended to a terminal capable of card transactions.

As described above, the collection card service dedicated terminal of the present invention changes the internal program only without the external modification of the credit card inquiry terminal installed in the shop of the buyer at the time of purchase transaction to settle the goods price with the credit card possessed by the buyer. It has the effect that the collection card service can be widely performed.

Claims (7)

In the credit card inquiry terminal for the card transaction for the collection of money according to the supply of goods, A key input unit for performing key operations necessary for collection transaction; An MS card reader unit for reading card information of a purchaser's credit card and a supplier's collection card; A memory on which a collection card service related program is loaded; A control unit for setting a collection transaction menu according to a key operation of the key input unit and controlling a collection card transaction to be executed by executing a program mounted in the memory on the collection transaction menu; Communication with a service company providing a collection transaction service, and transfers the buyer's credit card information and supplier's collection card information and transaction details read by the control of the control unit to the communication company connected with the transaction approval request, the service Communication unit for receiving the approval result from the company; And Collection card service dedicated terminal including a printing unit for printing and outputting the sales slip in the name of the supplier under the control of the controller. The terminal of claim 1, wherein the key input unit comprises a function key for a collection card service. The terminal of claim 1, wherein the key input unit is configured to use an arbitrary key among numeric keys as a function key for a collection card service. 2. The collection card service dedicated terminal according to claim 1, wherein the collection card service related program is provided by a service company providing the collection transaction service. The terminal of claim 4, wherein the memory is a ROM. The terminal of claim 1, wherein the controller controls a collection transaction according to a transaction approval request, an authorization cancellation request, and a visit inquiry request of a supplier inputted from the key input unit. 2. The collection card service dedicated terminal according to claim 1, wherein the collection card service dedicated terminal is a credit card inquiry terminal installed in a shop of a goods purchaser.