KR20030025972A - Selecting Payment For Credit Card Checker And Payment Method That Checker - Google Patents

Abstract

PURPOSE: A credit card payment terminal and its processing method are provided to offer an instant payment function by using an instant payment ID as well as a general payment function so that it can enable an affiliated store to receive a real time instant payment. CONSTITUTION: The method comprises several steps. A customer presents a credit card and requests a payment process at an affiliated store for paying a commodity or a service(S31). A central processor of a terminal controls a card reader, reads the various data from a magnetic stripe or a memory chip of the credit card, and temporarily stores the read data at a memory(S32, S33). The central processor checks whether the customer requests a general payment or an instant payment(S34). In a case of the general payment, the central processor selects a general payment function ID from a flash memory(S35) and constructs a general transaction approval form by using the credit card data, transaction data and the general payment function ID(S37). In a case of the instant payment, the central processor selects an instant payment function ID from a flash memory(S35) and constructs an instant transaction approval form by using the credit card data, transaction data and the instant payment function ID(S37). The central processor transmits the constructed transaction approval form to a credit card company via a VAN(Value Added Network)(S38). The terminal receives a transaction approval result from the credit card company, and prints a credit card kind, a transaction date, a transaction type, a payment amount and others on a card slip(S39).

Description

Selecting Payment For Credit Card Checker And Payment Method That Checker}

The present invention provides a general payment function to the credit card checker and an instant payment function using an instant payment function ID, so that payments can be selectively received by the credit card merchants for general payments and real time instant payments. It relates to an optional credit card inquiry machine and a payment method of the inquiry machine.

Generally, credit cards are used instead of cash for commerce, and these credit cards are bank credit cards used by financial institutions (BC cards, VISA cards, Kookmin cards, LG cards, Samsung cards, etc.). ) And department stores mostly use credit cards.

In recent years, the number of users of such credit cards has increased not only with the government's recommendation policy, but also with the increase in the number of users, such as ticket booking, transportation cards, and telephone card functions. In order to use the card, the company that issued the credit card (that is, the credit card company) must sign a contract with a credit card merchant, and each merchant checks the validity of the customer's credit card using a card checker, and then confirms the authorization number. You can settle the transaction within the payment limit.

However, despite the increasingly common use of credit cards, merchants that have completed registration with credit card companies provide their customers with commercial services such as product purchases or service services, and after 2-7 days, depending on the circumstances of the credit card company, Not only could he be paid, he had to pay a small fee of 2-5% of the payment.

As a result, even though conventional credit card merchants pay relatively high fees for payments, they have been restricted in cash liquidity because they do not immediately transfer their funds and deposit them into their account after a certain period of time. As a result, they had many difficulties and complaints.

Therefore, in the related art, the Korean Patent Application No. 1999-60068 (name; credit card immediate payment system) proposed a system for payment immediately after approval beyond the conventional postpay payment system, which is a credit card at a merchant. The amount of money used when the card is used is immediately deposited in the merchant account of the company operating the proposed system as soon as the card company's approval occurs, and the credit card payment system using the Internet and VAN (Value Added Network) network Is proposing.

However, in the case of the above-described prior invention, each credit card merchant has a burden of installing and learning a terminal of a company that provides services and new software without using the existing card inquiry and authorization terminal, and managing the card payment account of the merchant. Since it is necessary to hand over to the company that provides the service, the merchant had a disadvantage of being exposed to many unexpected problems.

Therefore, in order to compensate for this, the conventional domestic patent application No. 2000-28196 (name; credit card factoring service method and credit card factoring service system) uses a credit card at a merchant when a customer uses a credit card at the merchant. Upon receiving approval, the merchant purchases the trade receivable from the merchant, deposits the discounted amount of the trade receivable from the broker's main account into the merchant's account based on the trade receivable, and then the merchant stores the relevant transaction information (i.e., the sales slip). ) When submitting the credit card company to the credit card company, the credit card factoring method using the Internet and VAN which consists of depositing the transaction amount from the credit card company to the main account of the brokerage company is proposed. In this case, the card can be paid immediately after approval.

However, in the case of the above-described prior invention, the existing card inquiry and approval terminal can be used, but the credit card company transfers the transaction amount to which the predetermined discount rate is applied through the intermediary company to the merchant's account, and after a certain period of time, When the merchant pays the transaction fee to the credit card company, the procedure is complicated as the credit card company deposits the transaction amount to the broker's main account and performs the credit card payment immediately, and the broker server in a separate brokerage company. There was a disadvantage to implement and operate.

In addition, in order to receive the above-described payment service for credit card, it was inconvenient to conclude a separate contract and pay a fee between the brokerage company and the credit card merchant and the credit card company. Providing the information has the disadvantage that the customer information can be leaked.

Therefore, the applicant of the present invention adds an instant payment function to the card lookup of the credit card merchant in the domestic patent application No. 2001-40111 (name: credit card instant payment service method), on the terminal at the merchant side during the commerce of unspecified customers By using the optional feature, VAN company approved the payment method using the existing general payment method (2-7 days payment), or proposed the payment service method of two kinds of credit card sales payments which are made immediately. Thus, in connection with the above-described invention of the present invention (credit card instant payment service method), it is necessary to have a card inquiry device in which an instant payment function is functionally added to the terminal in addition to the general payment function.

The present invention has been made in accordance with the necessity as described above, the purpose is that the credit card merchant at the time of commerce in the corresponding credit sales payments in real time according to the needs of the merchant or the existing general payment (2-7 days takes ) Is to provide a credit card checker for payment selection to selectively request a transaction approval to receive.

1 is a diagram schematically illustrating a credit card instant payment service system to which a credit card inquiry machine capable of selecting a payment according to the present invention is applied.

FIG. 2 is a detailed block diagram of a card inquiry machine in which payment selection is possible in FIG. 1. FIG.

Figure 3 is a flow chart illustrating an operation for paying the transaction amount at the time of commerce using a credit card query for payment selection according to the present invention.

4 is a detailed block diagram of a credit card inquiry machine for payment selection in accordance with another embodiment of the present invention.

FIG. 5 is a flowchart illustrating an operation of paying a transaction amount during a commerce transaction using a credit card inquiry machine for payment selection according to another embodiment of the present invention. FIG.

Explanation of symbols on the main parts of the drawings

10: credit card merchant 20: card lookup

21: card reader 22, 42: printer

23, 43: display unit 24, 44: key input unit

25, 45: memory section 25-1, 45-1: program memory

25-2, 45-2: working memory 25-3, 45-3: flash memory

26, 46: communication processing unit 27, 47: central processing unit

30: VAN company server 40: credit card company

41-1: Standard payment card reader 41-2: Immediate payment card reader

50: payment server 60: financial institutions

Features of the present invention for solving the above object, credit card information in order to receive a predetermined transaction amount by requesting a transaction approval to the credit card company side according to the mediation of the VAN company server for the use of the customer's credit card in the commerce A card reader of a credit card merchant having a card reader which reads a card, a printer which prints a card sales slip, a display, a key input, and a communication processor, provides a program for performing an immediate payment or a general payment function. A program memory to be stored, a working memory for temporarily storing information or transaction information read by the card reader, and a flash memory which is assigned and stored an immediate payment function ID and a general payment function ID from the credit card company. A memory unit provided; Perform a credit card payment function using a program stored in the memory unit, but if you want to pay the credit card immediately, the transaction approval request message including the instant payment function ID is transmitted to the credit card company through the communication processing unit immediately. For payment selection including a central processing unit for requesting a transaction approval for payment and immediately receiving a normal approval result for payment, controlling the printer and outputting a card sales slip including a corresponding credit card immediate payment history. To provide a credit card checker.

In the payment selection credit card inquiry machine, when the card reader of the card inquiry machine is configured for general payment and instant payment, respectively, the central processing unit uses a program stored in a memory unit to charge a credit card. If the customer credit card is read by the general payment card reader, it is determined as a general payment request and transmits the full transaction approval request including the general payment function ID to the credit card company through the communication processing unit. Request a transaction authorization for the transaction, and if the customer credit card is read by the payment card reader for immediate payment, it is determined as a payment request immediately and transmits the full transaction approval request including the immediate payment function ID to the credit card company through the communication processing unit. It is characterized by requesting the transaction approval for payment immediately.

On the other hand, another aspect of the present invention, in the payment method of the card query machine for receiving a predetermined transaction amount by requesting a transaction approval to the credit card company side according to the brokerage of the VAN company server for the use of the customer's credit card during commerce, Receiving a general payment function ID and an instant payment function ID for identifying a general payment and an instant payment function from the credit card company and storing them in a flash memory; Storing the credit card information of the customer requesting the credit card payment and the input transaction amount or installment information in the working memory; Confirming a card lookup payment type selected to request transaction approval of a current credit card payment; Creating a predetermined transaction approval request message by combining a payment function ID corresponding to a payment form of the card inquiry machine with credit card information, transaction information, and merchant information stored in the work memory; Requesting a corresponding credit card transaction approval by transmitting the completed transaction approval request message to the credit card company; The present invention provides a payment method of a credit card checker for a payment selection method including a process of completing a corresponding credit card payment transaction by outputting a card sales slip when the normal credit result is notified by the credit card company.

At this time, the process of checking the payment form of the card lookup machine, if there is one card reader of the card lookup device detects the payment selection button operation state of the card lookup to determine whether the normal payment or immediate payment; When the card reading unit of the card inquiry machine is configured for the general payment and the instant payment, respectively, it is characterized by checking the type of the card reading unit that reads the customer credit card information to determine whether the payment is normal or immediate payment.

In addition, the process of writing the predetermined transaction approval request message may be performed by selecting the immediate payment function ID of the flash memory and combining it with the information of the working memory in the case of confirming the payment form and immediately requesting the transaction approval according to the payment. If a transaction approval request is written, and the payment form is confirmed, and the transaction approval request is made according to the general payment, the general transaction approval request is created by selecting the general payment function ID of the flash memory and combining it with the information in the working memory. It is characterized by.

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

First, referring to the schematic configuration of a credit card immediate payment service system to which a credit card inquiry machine applicable to a payment selection according to the present invention is applied, as shown in FIG. 1, a credit card company capable of using various credit cards is shown. The VAN company server 30 which supports a credit card merchant 10 having a contract with the 40 and an additional communication network that can perform a predetermined approval procedure for the credit card used in the credit card merchant 10. ), A credit card company 40 approving a transaction for a credit card that is requested to be authorized through the VAN company server 30 from the corresponding credit card merchant 10, and a predetermined transaction at the request of the credit card company 40. It consists of a financial institution (bank) 60 that pays the amount (transaction fee excluding fees) to the credit card merchant 10.

In more detail, the credit card merchant 10 is a transaction for the customer credit card to the credit card company 40 using the card lookup machine 20 when the customer who received the commerce service uses the credit card. Request for approval, and be notified of the transaction approval result and present the transaction details to the customer.

The VAN company server 30 installs a dedicated line for intermediary transaction approval between the credit card merchant 10 and the credit card company 40, or is connected to each other via a modem or the Internet, and from the credit card merchant 10 It is requested to approve the transaction for the credit card and intermediaries with the corresponding credit card company 40.

The credit card company 40 checks the validity of the customer credit card requested for approval through the card lookup 20 of the credit card merchant 10 to determine whether the credit card through the VAN company server 30 When notifying the merchant 10, but the credit card merchant 10 immediately requests the transaction approval for payment, the financial institution 60 calculates the transaction amount excluding the fee by referring to the transaction information requested for approval after determining whether to approve the transaction. The payment is automatically made by automatically transferring to the payment account of the corresponding credit card merchant 10.

The financial institution 60 automatically transfers a predetermined transaction amount to the payment account of the credit card merchant 10 according to the payment request of the credit card company 40.

Here, the card inquiry machine 20 is a credit card inquiry machine for payment selection to be proposed in the present invention. Referring to the detailed internal configuration, as shown in FIG. 2, the card reader 21 and the printer ( 22, a display unit 23, a key input unit 24, a memory unit 25, a communication processing unit 26, and a central processing unit 27.

The card reader 21 reads the information recorded on the magnetic tape of the credit card or the internal memory chip, and the printer 22 records the corresponding credit card payment details (card type) in order to receive the credit card payment signature from the credit card user. , Membership number, transaction date and time, transaction type, payment amount, merchant name, etc.), and the display unit 23, the display unit 23 is required to send or receive information or credit card payment information or credit card payment The processing status is displayed.

The key input unit 24 is provided with numbers or letters or various function buttons for inputting transaction information required for credit card payment, merchant or customer information, and the memory unit 25 operates or inquires the card inquiry machine 20. The program memory 25-1, which stores information necessary for storing the information required for immediate payment or performing a general payment function, and temporarily stores information read by the card reader 21 or transaction information. The memory 25-2 and the flash memory 25-3 which receive and store the immediate payment function ID (IDentifier) and the general payment function ID from the credit card company 40 are provided.

The communication processing unit 26 is provided with a modem or a LAN card to communicate with the VAN company server 30 or the financial institution 60 through a communication network or a dedicated line, and under the control of the central processing unit 27 to complete the transaction approval request. It transmits to the credit card company 40 through the VAN company server 30, and receives the corresponding transaction approval result is notified to the central processing unit (27).

The central processing unit 27 performs a credit card payment function using a program stored in the memory unit 25, but if a credit card is to be paid immediately, the transaction processing unit 26 transmits a transaction approval request message including an immediate payment function ID. Card to send the credit card company 40 to request the transaction approval for immediate payment, and when the notification of the normal approval for the immediate payment is received, the printer 22 controls the card including the corresponding credit card immediate payment history. Print the sales slip.

Referring to Figure 3 attached to the operation for paying the transaction amount at the time of commerce using the payment selection credit card query configured as described as follows.

First, in order to provide both a general payment and an instant payment function using the card lookup 20 installed in the credit card merchant 10, the card lookup 20 should be able to identify the credit card company ( 40, the immediate payment function ID and the general payment function ID are allocated and stored in the internal flash memory 25-3.

In this state, an unspecified customer with a credit card presenting his or her credit card to pay for a transaction for a commodity or a service such as an item purchase or a service service provided by a credit card merchant 10 When requesting payment of the transaction amount (step S31), the corresponding credit card merchant 10 reads the credit card information presented by the customer using the card inquiry machine 20 to the credit card company 40 to the corresponding credit card company 40. You will be asked to approve the transaction for.

At this time, the central processing unit 27 of the card inquiry machine 20 controls the card reading unit 21 to read various types of information recorded on the magnetic tape of the customer's credit card or the internal memory chip, and thereby the work memory 25-2. After the temporary storage (step S32), the transaction information for the commerce service input through the key input unit 24, that is, the information indicating the transaction amount or installment, and information such as the installment month if the installment is desired. It temporarily stores in the work memory 25-2 (step S33).

In addition, the central processing unit 27 of the card inquiry machine 20 requests the display unit 23 for the current payment state of the card inquiry machine 20 to request a predetermined transaction approval from the credit card company 40 side. After indicating whether it is in a state of payment or immediate payment, it is checked whether a payment form for which the current transaction is to be requested is requested, that is, whether to request transaction approval according to the general payment function or to request transaction approval according to the payment function immediately ( Step S34).

In this case, when requesting the transaction approval according to the general payment function, that is, when the user of the card query 20 selects the general payment by operating the payment selection button provided in the key input unit 24, the corresponding central processing unit 27 ) Selects the general payment function ID from the flash memory 25-3 (step S35), and then combines the credit card information, transaction information, and merchant information stored in the work memory 25-2 with the general payment function ID. The full transaction approval request is made (step S37).

However, if the user wants to request a transaction approval according to the immediate payment function in step S34, that is, when the user of the card query 20 selects the immediate payment by operating a payment selection button provided in the key input unit 24, the corresponding center is selected. The processing unit 27 selects the immediate payment function ID from the flash memory 25-3 (step S36), and then stores the credit card information, transaction information, and merchant information stored in the work memory 25-2 with the immediate payment function ID. In combination, the full transaction approval request is made immediately (step S37).

Subsequently, the central processing unit 27 controls the communication processing unit 26 to transmit a predetermined transaction approval request text written in advance to the credit card company 40 through the VAN company server 30 to approve a transaction for general or immediate payment. Is requested (step S38).

That is, the communication processing unit 26 of the card inquiry machine 20 transmits a transaction approval request message to the VAN company server 30 through a communication network or a dedicated line to request a transaction approval, and thus, a VAN requesting transaction approval. The company server 30 checks the credit card company 40 included in the transaction authorization request message received from the card inquiry machine 20 of the credit card merchant 10, and then the payment server 50 of the credit card company 40. ) To broker the full transaction approval request.

Then, the payment server 50 of the credit card company 40, the customer information and transaction information and merchant information contained in the transaction authorization request brokered by the VAN company server 30 and its customer information or merchant information and the like Compare and analyze to check the validity (expiration date, usage amount, etc.) of the credit card currently requested for transaction approval, and check whether the credit card merchant 10 has no reason for disqualification during normal or immediate payment, After determining whether or not to approve the transaction by determining whether it is proper, etc., the result of the approval of the transaction is notified to the card checker of the credit card affiliate 10 that has requested the transaction approval according to the brokerage of the VAN company server 30.

Therefore, the card checker 20 of the credit card merchant 10 that is notified of the transaction approval result from the credit card company 40, based on the credit card transaction details included in the payment transaction approval result as soon as the approval result is normal. By printing the card sales slip including the card type, the date and time of the transaction, the transaction type, the payment amount, the merchant name, etc. to the printer 22 (step S39), the customer checks the printed card sales slip and signs the payment. You will complete the applicable credit card payment transaction.

At this time, the payment server 50 of the credit card company 40 notifies the credit card affiliate store 10 of the transaction approval result and at the same time determines the transaction amount excluding the commission by referring to the transaction information requested for approval, and then the corresponding transaction. By requesting the financial institution 60 for general or immediate payment of the amount, the financial institution 60 automatically transfers the transaction amount to the payment account of the corresponding credit card merchant 10. The transaction amount is transferred at the predetermined settlement date, and in the case of immediate settlement, the transaction amount is immediately transferred.

On the other hand, in another embodiment of the present invention by configuring the card reader of the card lookup 20 for the general payment and instant payment, respectively, the user of the card query 20 to operate the payment selection button to make the normal payment or immediate payment It is intended to be able to receive payment by requesting a transaction approval in a desired manner without selecting the present invention. Referring to the configuration of a credit card inquiry device for payment selection for this, as shown in FIG. 4, the payment card reader for general payment 41 -1), card reader 41-2 for immediate payment, printer 42, display 43, key input 44, memory 45, and communication processor 46 And a central processing unit 47.

The general payment card reader 41-1 and the instant payment card reader 41-2 read the information recorded on the magnetic tape of the credit card or the internal memory chip, respectively.

The central processing unit 47 performs a credit card payment function by using a program stored in the memory unit 45, but if the customer credit card is read by the general payment card reader 41-1, the general payment is performed. In response to the request, the transaction approval request message including the general payment function ID is transmitted to the credit card company 40 through the communication processing unit 46 to request the transaction approval for the general payment, and the card reader for payment immediately 41-41-. 2) if the customer credit card is read by the credit card company 40 through the communication processing unit 46 to determine the immediate payment request and the transaction approval request message containing the instant payment function ID to the credit card company (40) side for the transaction for immediate payment After requesting the approval, when the normal approval result is notified, the printer 22 is controlled to print a card sales slip including the corresponding credit card payment details.

In addition, the functions of the printer 42, the display unit 43, the key input unit 44, the memory unit 45, and the communication processing unit 46, which are not described in FIG. Since the same function as each component of the above will be omitted.

Referring to Figure 5 attached to the operation for paying the transaction amount at the time of commerce using a payment selection credit card inquiry machine according to another embodiment of the present invention configured as described above is as follows.

First, in order to provide both a general payment and an instant payment function using the card lookup 20 installed in the credit card merchant 10, the card lookup 20 should be able to identify the credit card company ( 40, the immediate payment function ID and the general payment function ID are allocated and stored in the internal flash memory 45-3.

In this state, an unspecified customer with a credit card presenting his or her credit card to pay for a transaction for a commodity or a service such as an item purchase or a service service provided by a credit card merchant 10 When requesting payment of the transaction amount (step S51), the corresponding credit card merchant 10 reads the credit card information provided by the customer using the card inquiry machine 20 to the credit card company 40 to the corresponding credit card company 40. You will be asked to approve the transaction for.

At this time, the central processing unit 47 of the card inquiry machine 20 receives various information read from the customer credit card through the general payment card reader 41-1 or the instant payment card reader 41-2. After temporarily storing the data in the working memory 45-2 (step S52), transaction information on the commerce service input through the key input unit 44, that is, information indicating a transaction amount or installment, and installment are desired. Information such as the installment month and the like is temporarily stored in the work memory 45-2 (step S53).

Then, the central processing unit 47 of the card inquiry machine 20 immediately checks whether the type of the card reader that reads the customer credit card information is the general payment card reader 41-1 or the card reader 41 for payment immediately. (2) check whether the payment form to request the current transaction approval, that is, whether to request the transaction approval according to the normal payment function, or whether to request the transaction approval according to the payment function immediately ( Step S55).

If the user wants to request the transaction approval according to the general payment function, that is, when the customer credit card information is read by the general payment card reader 41-1, the corresponding central processing unit 47 stores the flash memory 45-3. After selecting the general payment function ID (step S56), the credit card information, transaction information and merchant information stored in the work memory 45-2 are combined with the general payment function ID to create a general transaction approval request message. (Step S58).

However, in the case where it is desired to request the transaction approval according to the immediate payment function in step S55, that is, when the customer credit card information is read by the card reader 41-2 for payment immediately, the central processing unit 47 performs a flash memory ( 45-3) selects the instant payment function ID (step S57), and combines the credit card information, the transaction information and the merchant information stored in the work memory 45-2 with the instant payment function ID to complete the immediate transaction approval request. (Step S58).

Subsequently, the central processing unit 47 controls the communication processing unit 46 to transmit a predetermined transaction approval request text written to the credit card company 40 through the intermediary of the VAN company server 30 for general or immediate payment. The transaction approval is requested (step S59).

Then, the payment server 50 of the credit card company 40, the customer information and transaction information and merchant information contained in the transaction authorization request brokered by the VAN company server 30 and its customer information or merchant information and the like Compare and analyze, check the validity (expiration date, usage amount, etc.) of the credit card currently requested for transaction authorization, and check whether the credit card merchant 10 has no reason for disqualification during normal payment or immediate payment, After determining whether or not to approve the transaction by determining whether it is proper, etc., the result of the approval of the transaction is notified to the card checker of the credit card affiliate 10 that has requested the transaction approval according to the brokerage of the VAN company server 30.

Therefore, the card checker 20 of the credit card merchant 10 that is notified of the transaction approval result from the credit card company 40, based on the credit card transaction details included in the payment transaction approval result as soon as the approval result is normal. By printing the card sales slip including the card type, the date and time of the transaction, the transaction type, the payment amount, the merchant name, etc. to the printer 42 (step S60), the customer checks the output card sales slip and signs the payment. You will complete the applicable credit card payment transaction.

Thus, according to the present invention, the credit card merchant 10 pays a predetermined transaction fee according to the prior agreement with the credit card company 40 at the time of commerce using the credit card inquiry machine 20 for payment selection, for the corresponding commerce. Select transaction approval for transaction payment, that is, general and immediate payment, including credit service payments sold by credit card merchant 10, including previous payment service methods requiring a separate brokerage company or equipment other than VAN. You can ask for payment.

In addition, the payment selection credit card query 20 according to the present invention can be counted the current status of the credit card usage of the merchant, including the aggregation function for the use of the credit card in the commerce.

Furthermore, the credit card inquiry device for payment selection according to the present invention is not limited to the above-described embodiment, and various alternatives, modifications, and changes can be carried out within the scope obvious to those skilled in the art. For example, if you want to request a transaction authorization based on a normal payment, you can request a transaction authorization according to a conventional credit card transaction approval procedure, and only if you want to request a transaction authorization based on a payment immediately. You can include the immediate payment feature ID when you create it so that you can request immediate transaction approval.

As described above, according to the credit card inquiry machine for instant payment of the present invention and the payment method of the inquiry machine, the credit card merchant requires a separate brokerage company or equipment other than VAN company to pay the corresponding credit sales price during commerce. It is possible to selectively request transaction approval to receive regular payments or immediate payments, including the payment service method of the previous application.In this way, credit card merchants can use the credit sales sold as needed, thereby ensuring cash liquidity. It can increase the efficiency of funds.

Claims (5)

A card reader that reads credit card information to receive a predetermined transaction amount by requesting a transaction approval to the credit card company in accordance with the intermediation of the VAN company server for the use of the customer's credit card during the transaction, and a printer that prints the card sales slip. In the card inquiry machine of the credit card merchant which has a display part, a key input part, and a communication processing part, A program memory storing a program necessary for performing an immediate payment or a general payment function, a working memory for temporarily storing information or transaction information read by the card reader, an instant payment function ID and a general payment from the credit card company A memory unit including a flash memory for storing and storing a function ID; Perform a credit card payment function using a program stored in the memory unit, but if you want to pay the credit card immediately, the transaction approval request message including the instant payment function ID is transmitted to the credit card company through the communication processing unit immediately. When requesting a transaction approval for payment, and immediately receives a normal approval result of payment, the central control unit for controlling the printer to output a card sales slip containing the payment details of the credit card immediately; Credit card lookup for payment choices. The method of claim 1, When the card reader of the card lookup unit is configured for general payment and instant payment, respectively, the central processing unit performs a credit card payment function using a program stored in a memory unit, but by a general payment card reader If the customer's credit card is read, it is determined as a normal payment request, and the transaction authorization request including the general payment function ID is transmitted to the credit card company through the communication processing unit to request a transaction approval for the general payment, and immediately read the payment card. When the customer credit card is read by the department, it is determined as an immediate payment request, and the transaction approval request message including the immediate payment function ID is transmitted to the credit card company through the communication processing unit to request the transaction approval for the immediate payment. Credit card lookup for payment choices. In the payment method of the card inquiry machine for requesting the transaction approval to the credit card company side according to the intermediation of the VAN company server for the customer's use of the credit card in the commerce, Receiving a general payment function ID and an instant payment function ID for identifying a general payment and an instant payment function from the credit card company and storing them in a flash memory; Storing the credit card information of the customer requesting the credit card payment and the input transaction amount or installment information in the working memory; Confirming a card lookup payment type selected to request transaction approval of a current credit card payment; Creating a predetermined transaction approval request message by combining a payment function ID corresponding to a payment form of the card inquiry machine with credit card information, transaction information, and merchant information stored in the work memory; Requesting a corresponding credit card transaction approval by transmitting the completed transaction approval request message to the credit card company; If the credit card company is notified of the normal approval result, the payment method of the credit card query for payment selection method comprising the step of outputting a card sales slip to complete the corresponding credit card payment transaction. The method of claim 3, wherein The checking of the payment method of the card lookup device may include: detecting whether a payment selection button operation state of the card lookup device is a normal payment or an instant payment when the card reading unit of the card lookup device is one; When the card reader of the card lookup unit is configured for the general payment and instant payment respectively, check whether the payment is characterized in whether the normal payment or immediate payment by checking the type of the card reader reading the customer credit card information Payment method for optional credit card lookup. The method of claim 3, wherein The process of writing the predetermined transaction approval request message may be performed, in the case of confirming the payment form, and in the case of the transaction approval request according to the immediate payment, selecting the immediate payment function ID of the flash memory and immediately combining the information with the information in the working memory. When the request is made and the payment form is confirmed, and the transaction approval request is made according to the general payment, the general transaction approval request message is created by selecting the general payment function ID of the flash memory and combining it with the information of the working memory. The payment method of the credit card inquiry machine for the payment choice to make.