KR200306512Y1 - System for credit card service using telephone/cellular phone numbers - Google Patents

Abstract

The present invention relates to a credit / debit card payment system using a wired / wireless telephone number. The system according to the present invention is installed in a store or an order / reservation reception window to automatically detect the caller number of the order phone, receive the order amount and send the caller number and the order amount to request credit / debit card payment authorization ; It manages customer's phone number and credit / debit card information, and when a credit / debit card payment authorization request is requested from a payment terminal, it requests a credit / debit card payment authorization to the credit / debit card company server corresponding to the calling party number and pays the result. An operation center server for transmitting to the terminal; And if the credit / debit card payment approval request from the operation center server, characterized in that it comprises a credit / debit card company server that transmits the approval status to the operation center server.

Using the present invention, customers can use a credit / debit card by simply placing an order call to a store that will use a product or service using a pre-registered wired / wireless telephone terminal. Accordingly, the credit / debit card payment is made very easily, a small amount can be conveniently performed. In addition, it is possible to solve the inconvenience caused by the use of credit / debit card from the store's point of view.

Description

Credit / debit card payment system using wired / wireless phone number {System for credit card service using telephone / cellular phone numbers}

The present invention relates to a credit / debit card payment system using a wired / wireless phone number, and in particular, matches and manages a customer's phone number and credit / debit card information, and automatically checks caller information when a customer makes an order call to a merchant. The present invention relates to a system for making a payment using a corresponding credit / debit card.

As credit / debit cards are widely used, various methods for making credit / debit cards more convenient are proposed. For example, a method of embedding an IC chip in a mobile phone to use as a credit card or downloading a credit card information to a mobile phone and using it as a payment method is used. This example can alleviate the inconvenience of having to hold a credit card.

However, currently proposed methods only solve the inconvenience of having a credit / debit card, and in the end, customers have to visit the store in person and pay through a credit card related device. In addition, for example, in order to deliver food, a deliveryman must carry a terminal for credit / debit card payment in order to pay for food with a credit / debit card, but this is very cumbersome. On the other hand, services such as ticket reservations, ticket reservations, and hotel reservations can also be used via the Internet, but you need to connect to the Internet and enter your credit / debit card payment information. There is a risk from the leakage of customer's credit / debit card information.

Therefore, the present invention is proposed to solve the above problems, and manages by matching the customer's phone number and credit / debit card information, and when the customer makes an order call to a credit card merchant, the caller information automatically checks the credit Its purpose is to provide a system for making payments using a debit card.

In order to achieve the above object, the credit / debit card payment system using the phone number according to the present invention, is installed in each store or order / reservation reception window automatically detects the caller number of the order phone and receives the order amount A payment terminal for requesting credit / debit card payment approval by transmitting the caller number and the order amount; Stores and manages customer-specific phone numbers and credit / debit card information, and when the credit / debit card payment authorization request is requested from the payment terminal, requests credit / debit card payment authorization from the credit / debit card company server corresponding to the calling party number. An operation center server for transmitting the result to the payment terminal; And a credit / debit card company server for determining whether to approve payment using the credit / debit card when the credit / debit card payment approval is requested from the operation center server and transmitting the result to the operation center server. Characterized in that.

It can also be configured to allow customers to use multiple credit / debit cards. In this case, the payment terminal stores and manages the types of credit / debit cards available for each customer, periodically accesses the operation center server to update the types of credit / debit cards available for each customer, and the desired credit / debit card for the customer. In conjunction with the customer management means to select a debit card, the operation center server can be configured to request the credit / debit card payment approval to the customer selected credit / debit card company server can be preferably carried out.

1 is a block diagram of a credit / debit card payment system using a wired / wireless telephone number according to the present invention,

2 is a flowchart illustrating the operation of a credit / debit card payment system using a wired / wireless telephone number according to the present invention.

* Explanation of symbols for main parts of the drawings

10: phone terminal 21: payment terminal

22: Operations Center Server 22-1: Database

23: Credit / debit card company server 21-1: Customer management means

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

Referring to Figure 1, the credit / debit card payment system 20 using a wired / wireless phone number according to the present invention is a payment terminal 21 located at each store or order / reservation reception desk (including home shopping, call center, etc.) , The operation center server 22, and the server 23 of the credit / debit card company is made in conjunction with each other via a certain communication network (24). In addition, in order to implement the present invention, the telephone number and credit / debit card information for each customer must be matched and managed, and the telephone number and credit / debit card information for each customer are linked to the operation center server 22 (22-). Stored in 1). The customer's telephone number can be any phone caller such as a mobile phone number, a landline telephone number, a PDA or an IMT-2000 number as long as the calling party information can be identified.

The payment terminal 21 is a device installed at a store or an order / reservation reception window (including home shopping, a centralized call center, etc.) and automatically detects a caller number when a customer makes a call to the store using the phone terminal 10. Then, the store owner or employee transmits the order amount inputted to the operation center server 22 together with the calling party number to request credit / debit card payment approval. The payment terminal 21 is preferably configured to work with a computer program that is responsible for the reservation / reception and customer management of the order.

On the other hand, the payment terminal 21 can be operated in conjunction with the customer management (CRM) program in the PC or POS type, including the internal or external CID unit that automatically extracts the caller information (CID: Caller ID), which is central The same may be implemented in a centralized call center, or may be implemented in a simple form such as a caller information terminal or a credit card payment terminal.

In particular, as disclosed in Utility Model Registration No. 0024921, it is preferable to configure the program to interoperate with a program that can automatically check the caller information and manage customer orders. That is, from the standpoint of the store, the customer receives an order while talking to the customer, and if the order amount is input according to the order details, the payment terminal 21 automatically transmits the calling party number and the order amount to the operation center server 22.

The operation center server 22 stores and manages customer-specific telephone numbers and credit / debit card information in the database 22-1. In addition, when a credit / debit card payment approval is requested from the payment terminal 21 of each store or the order / receipt reception window, the credit / debit card corresponding to the received caller number is queried through the database 22-1. It determines whether or not, and sends the order amount to the credit / debit card company server 23 requests the credit / debit card payment approval. And, it receives the result of the credit / debit card payment authorization request from the credit / debit card company server 23 and transmits to the corresponding payment terminal 21. In this case, it is apparent that the operation center server 22 may pass through a value-added network (VAN) company to request a payment authorization request of a credit / debit card.

On the other hand, the operation center server 22 has the B / L (Black List) data on the bad credit / debit card that can approve the credit / debit card payment itself, and directly determine the payment approval request and the result To the payment terminal 21 of the store, and collect the approved payment information in the future may be periodically sent to the credit / debit card company server (23). In this case, the credit / debit card company server 23 and the operation center server 22 are closely connected so that the operation center server 22 may update the latest B / L data from the credit / debit card company server 23 from time to time. It should be obvious.

In case of non-B / L method, the credit / debit card company server 23 determines whether the order amount can be paid using the customer's credit / debit card, such as a conventional credit / debit card payment approval. And transmits the result to the operation center server 22. At this time, the credit / debit card company server 23 can directly transmit the result directly to the payment terminal 21 of the store without passing through the operation center.

On the other hand, the customer may register only one credit / debit card corresponding to the telephone number he / she uses, but may also want to use multiple credit / debit cards. It is desirable to be able to determine whether to use the card.

In this embodiment, the payment terminal 21 is linked to the customer management means 21-1 for storing and managing the type of credit / debit card that can be used independently for each customer. The customer management unit 21-1 outputs the customer information and the available credit / debit card type of the customer on the screen when an order call is received. The store owner or employee talks to the customer and asks which credit / debit card to use, and selects the credit / debit card to be used according to the customer's response. Then, the payment terminal 21 transmits the automatically detected sender information, the order amount, credit / debit card selection information to the operation center server 22. Then, the operation center server 22 requests the credit / debit card payment approval to the customer selected credit / debit card company server (23).

In addition, since the customer can change the credit / debit card to use in response to the telephone number, the customer management means 21-1 of each store should always have the latest customer information. Therefore, the customer management means 21-1 periodically accesses the operation center server 22 to update the type of credit / debit card that can be used for each customer. As an example of a method of linking multiple credit / debit cards to a single phone number, firstly, the customer management unit 21-1 periodically accesses the operation center server 22 having a fixed IP address to obtain the latest information. Secondly, the second center may periodically transmit the latest information from the operation center server 22 to the customer management means 21-1 having a fixed IP address.

That is, because the customer management means 21-1 of the customer's available credit / debit card type is always kept up to date, the customer does not need to tell the store the type of credit / debit card that can be paid by the customer, In the store, it is enough to simply ask the customer what card to pay.

In addition, in order to ensure the security of credit / debit card payment, identity verification function may be added, in this embodiment the payment terminal 21 is a schedule for verifying the customer information for identity verification using a credit / debit card. When receiving the credit / debit card payment authorization request is sent to the operation center server 22 together. Then, at the operation center server 22 or the credit / debit card company server 23 to authenticate the identity using the customer identification information. For example, a store may request to enter a full or front (or back) two-digit credit / debit card password while talking to a customer making an order call.

With reference to Figure 2 will be described an embodiment of the operation of the credit / debit card system using a wired / wireless telephone number according to the present invention.

First, the operation center server 22 enters, stores and manages customer-specific phone numbers and credit / debit card information (S19). Entering a phone number and credit / debit card information from a customer can be done in various ways, such as by using an Internet site or by applying for documents. For new members, fill out the card issuance application. There are several ways to file a customer's application.

On the other hand, the payment terminal 21 located in each store or order / reservation reception window automatically detects the calling party number of the order phone (S20-1, S20-2), receives the order amount (S20-3), caller number And sends the order amount to the operation center server 22 requests a credit / debit card payment authorization (S20-4).

The operation center server 22 inquires the database 22-1 to inquire the credit / debit card information corresponding to the calling party number (S20-5), and the credit / debit card to the corresponding credit / debit card company server 23. The payment request is approved (S20-6), the credit / debit card company server 23 receiving the request determines whether to approve the payment using the credit / debit card (S20-7), and the operation center The server 22 transmits the data to the server 22 (S20-8). In this case, after the operation center server 22 adopts the B / L method and determines whether to directly approve it, it will be apparent that the authorization data can be collected and transmitted to the credit / debit card company 23 periodically.

Then, the operation center server 22 transmits the result of the credit / debit card payment approval received from the credit / debit card company server 23 to the payment terminal 21 (S20-9) and receives the store or order / reservation. The window informs the customer that the customer is currently in the order call has been approved normally (S20-10).

In other words, the customer can call the store and display the intention to make a credit / debit card payment immediately. At this time, it can be carried out more preferably by reinforcing security by informing the customer's mobile phone or e-mail address of the information on which payment of each credit / debit card is made.

In the above described through a preferred embodiment of the credit / debit card payment system using a wired / wireless telephone number of the present invention, the content is not limited to the field of the present invention described in the claims below, in the technical field Those skilled in the art will be able to variously change or modify it within the scope of the present invention, in which case it will be apparent that it is within the scope of the present invention.

By using the present invention, customers can use a credit / debit card by simply placing an order call to a store that will use a product or service using a registered phone terminal, thereby preventing the leakage of card information. Accordingly, payment of credit / debit card is made very easily, and a small amount of payment can be conveniently performed. In addition, it is possible to solve the customer's anxiety due to the exposure of credit / debit card information from the store's point of view, and to solve the inconvenience caused by the use of the card. On the other hand, credit / debit card companies will be able to expand the use of credit / debit card by order / reservation by phone call without leaking credit / debit card information.

Claims (7)

In a credit / debit card payment system using a landline or wireless telephone number, A payment terminal installed at a store or at an order / receipt reception window, which automatically detects the calling party number of the order phone, receives an order amount, and transmits the caller number and the order amount to request credit / debit card payment approval; And Stores and manages customer-specific phone numbers and credit / debit card information, and when the credit / debit card payment approval is requested from the payment terminal, retrieves the information of the credit / debit card corresponding to the calling party number to confirm whether the approval is made. Credit / debit card payment system using a wired / wireless phone number, characterized in that it comprises an operation center server for transmitting to a payment terminal. The method of claim 1, When the credit / debit card payment authorization request from the operation center server, the credit / debit card company server for determining whether to accept the payment using the credit / debit card and transmits the result to the operation center server further includes Credit / debit card payment system using a wired / wireless telephone number, characterized in that. The method of claim 1, The operation center server stores B / L (Black List) data of the bad credit / debit card that can approve the payment of the credit / debit card, and determines the payment approval request and determines the result of the payment to the payment terminal. Credit / debit card payment system using a wired / wireless phone number, characterized in that for transmitting. The method of claim 3, wherein The operation center server collects the approved payment information and periodically transmits it to the credit / debit card company server, and updates and receives the latest B / L (Black List) data from the credit / debit card company server at any time. Credit / debit card payment system using a mobile / wireless phone number. The method of claim 1, The payment terminal stores and manages the types of credit cards that can be used for each customer, periodically accesses the operation center server to update the types of credit cards that can be used for each customer, and the customer can select the credit card that the ordering customer wants to use. In conjunction with customer management measures, The operation center server credit / debit card payment system using a wired / wireless phone number, characterized in that for determining whether the payment authorization for the credit card selected by the customer. The method according to claim 1 or 2, The payment terminal receives schedule information for customer confirmation for identity verification using a credit / debit card and transmits it to the operations center server as information for requesting the credit / debit card payment approval, and the operations center server or The credit / debit card company server is a credit / debit card payment system using a wired / wireless telephone number, characterized in that configured to authenticate the user using the customer identification information. The method according to claim 1 or 2, Credit / debit card using a wired / wireless phone number, characterized in that it further comprises means for transmitting the payment authorization information of the credit / debit card to the client's mobile terminal as a text message or sending an email to an email address. Payment system.