KR20040036202A - Line and wireless pda terminal for settling finance and method for settling used thereof - Google Patents

Abstract

PURPOSE: A wire/wireless PDA(Personal Digital Assistant) settlement terminal and a settlement method using the same are provided to inquire information needed for supply and make settlement a financial transaction in anywhere and any time by using the wire/wireless PDA settlement terminal through the ERP(Enterprise Resource Planning) and the electronic financial transaction. CONSTITUTION: A keypad(10) receives data for controlling the financial transaction, the ERP, and the settlement terminal. A card reader(20) reads information of various cards. A mobile communication module(60) connects to a financial communication network or an ERP system through a mobile communication network. An Internet module(70) connects to the financial communication network or the ERP system through the wire/wireless Internet. A controller(50) controls the remote connection through the mobile communication module or the Internet module, and performs a financial business through card information read from the card reader. A monitor(30) displays a processing result of the controller. A memory(40) stores a basic program for operating the settlement terminal and the controller.

Description

Wired and wireless PDA payment terminal and payment method using the same {LINE AND WIRELESS PDA TERMINAL FOR SETTLING FINANCE AND METHOD FOR SETTLING USED THEREOF}

The present invention relates to a wired / wireless PDA payment terminal and a payment method using the same, and more particularly, to carry and supply anytime, anywhere through the enterprise-wide resource management (ERP) and electronic financial transactions through wireless and the Internet through the wired and wireless PDA payment terminal. It is about wired / wireless PDA payment terminal and payment method which can inquire information necessary for payment and make payment through financial transaction of cash, card and bank transfer through the inquired data.

Since the conventional financial settlement terminal was unable to perform any functions other than financial operations such as payment, transfer, inquiry, and loan and credit card settlement, the information on the orderer's information and the supplied goods was output from the enterprise resource management system. The company is providing enterprise-wide resource management by providing it to the orderer along with the supplies and paying it through the financial settlement terminal and inputting it back into the enterprise resource management system.

Enterprise Resource Planning (hereinafter referred to as "ERP System") is an enterprise-wide resource management system for corporate sales and sales, material purchase production management, customer management, human resource management and financial and management accounting, cost management, etc. ERP system is an extension module of B2B and B2C (SCM, CRM) of the company, and is an essential element of value creation management along with the management innovation of the sector in the process of building the company. It is becoming.

However, the information on supply or payment generated in the distribution phase of goods cannot be checked directly at the site, which delays the processing in time, and double burden of having to enter the order when the order is generated and re-enter it again for company-wide resource management. There is a problem that smooth resource management is not made.

In addition, there is a problem that can not be processed on-site information processing in accordance with the supply of goods to be the subject of payment.

On the other hand, since only a telephone network and a mobile communication network are available for payment in the field, there is a problem that a fast and stable communication infrastructure such as ADSL, ISDN, and the Internet-only network cannot be used.

The present invention was created to solve the above problems, the object of the present invention is to supply while carrying anywhere and anytime through the enterprise-wide resource management (ERP) and electronic financial transactions via wireless and Internet in the field through wired and wireless PDA payment terminal It provides the wired / wireless PDA payment terminal and payment method that can be used to inquire the necessary information and make payment through financial transaction of cash, card and bank transfer through the inquired data.

1 is a block diagram showing a wired and wireless PDA payment terminal according to the present invention.

2 is a diagram illustrating a system configuration for implementing a payment method using a wired / wireless PDA payment terminal according to the present invention.

3 is a flowchart illustrating a payment method using a wired or wireless PDA payment terminal according to the present invention.

4 and 5 are flowcharts illustrating a credit card payment process in a payment method using a wired / wireless PDA payment terminal according to the present invention.

6 and 7 are flowcharts illustrating a payment process by transferring funds in a payment method using a wired or wireless PDA payment terminal according to the present invention.

-Explanation of symbols for the main parts of the drawings-

10: keypad 20: card reader

30 monitor 40 memory section

50: control unit 60: mobile communication module

70: internet module 80: printer

90: alarm unit 100: mobile communication network

110: Internet network 120: mobile communication repeater

130: financial computer network 140: bank settlement network

142: Financial Services Agency 144: Deposit Bank

146: withdrawal bank 150: VAN system

160: credit card payment network 162; Credit Card VAN System

164: credit card company 170: ERP system

Wired and wireless PDA payment terminal according to the present invention for realizing the above object is a keypad for inputting data for banking, enterprise-wide resource management and control of the terminal, card reader for reading the information of the various cards, A mobile communication module for accessing a financial computer network or an ERP system through a mobile communication network, an internet module for accessing a financial computer network or an ERP system through a wired internet network, and a keypad for movement for banking and enterprise-wide resource management Controlling the remote access through the communication module or the Internet module, the control unit for performing the financial business through the card information read from the card reader, a monitor for displaying the processing results of the control unit, and for printing the processing results of the control unit A menu for storing basic programs for operating the printer and the terminal and operating the controller. And the rib, characterized by comprising an alarm part for notifying an operating state during operation of the device.

In addition, the payment method using the wired and wireless PDA payment terminal according to the present invention comprises the steps of inputting the basic information to query the buyer's information through the wired and wireless PDA payment terminal for payment of the purchase cost, and the mobile communication network based on the basic information of the buyer Transmitting the basic information of the buyer to the ERP system through the Internet or the Internet, receiving and displaying a list of buyers searched based on the basic information of the buyer in the ERP system, and displaying the corresponding buyer among the list of buyers displayed on the monitor. Selecting and requesting the order information and payment information from the ERP system, receiving the requested order information and payment information from the ERP system, displaying the information on the monitor, and performing payment based on the order information and payment information displayed on the monitor. And determining whether the payment is to be made and then performing the payment with the card. In this case, the card information is read and connected to the financial computer network through the mobile communication network or the Internet network to request the payment processing. If the payment process is normally processed according to the result of the payment processing request from the financial computer network, the processing result is transmitted to the ERP system and processed. It is characterized by consisting of printing a result and issuing a receipt.

After determining whether the payment is performed, if the payment is carried out in cash, the cash settlement processing result is transmitted to the ERP system, and the processing results are printed.

In addition, when the payment is carried out after determining whether the payment is to be performed, the step of requesting payment processing of autonomous transfers and other transfers by accessing the financial computer network through the mobile communication network or the Internet network, and the result of request for payment processing from the financial computer network. If the normal processing according to the characterized in that it consists of the step of transmitting the processing result to the ERP system and printing the processing result and issuing a receipt.

In the present invention made as described above, the buyer's information in the field where the seller supplies the goods in real time from the wired / wireless PDA payment terminal to access the ERP system through a mobile communication network and the Internet network to check the buyer's order information and payment information after confirming In addition to accessing the financial computer network for payment processing, payments are immediately sent to the ERP system, which is performed on-site to provide real-time financial transactions, payment functions, and logistics distribution management functions. To help.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings. In addition, the present embodiment is not intended to limit the scope of the present invention, but is presented by way of example only and the same parts as in the conventional configuration using the same reference numerals and names.

1 is a block diagram showing a wired and wireless PDA payment terminal according to the present invention.

As shown here, a keypad 10 for inputting data for banking, enterprise-wide resource management and terminal control, a card reader 20 for reading information of various cards, and a mobile communication network 100 The mobile communication module 60 for accessing the financial computer network 130 or the ERP system 170 through the Internet module for accessing the financial computer network 130 or the ERP system 170 through the wired Internet network 110. And a card read from the card reader 20 by controlling the remote access through the mobile communication module 60 or the Internet module 70 for banking and enterprise-wide resource management by operating the keypad 10. The controller 50 for performing the financial business through the information, the monitor 30 for displaying the processing result of the control unit 50, the printer 80 for printing the processing result of the control unit 50, Of wired / wireless PDA payment terminal 5 and operation of control unit 50 by means of It made to the basic program in the memory unit 40, an alarm unit 90 for notifying an operating state upon operation of wired and wireless PDA payment terminal (5) for storing for.

Therefore, the seller delivers the goods to the buyer through the mobile communication module 60 or the Internet module 70 through the mobile communication module 60 or the Internet module 70 through the wired / wireless PDA payment terminal 5 in the field via the ERP. Sellers with wired / wireless PDA payment terminals 5 can access the system 170 to view the customer's customer information, order information and payment information through the keypad 10, as well as perform enterprise-wide resource management in the field. In addition to making it possible to perform the financial settlement, by reading the card information through the card reader 20 to access the financial computer network 130 to perform the payment and transfer the result to the ERP system 170 company-wide Perform resource management.

In addition, it is possible to issue a receipt in the field through the printer 80 through the processing result, and to check the processing state through the monitor 30, and to make an alarm sound when the terminal 5 is operating. Make it easy for the user to recognize.

On the other hand, by installing the mobile communication module 60 and the Internet module 70 to connect to the ADSL or ISDN and the Internet dedicated line network to directly connect to the Internet network 110, not the telephone network when data transmission and reception by mobile communication is difficult By using a fast and stable wired Internet network 110 to be able to access the ERP system 170 or the financial computer network 130.

2 is a diagram illustrating a system configuration for implementing a payment method using a wired / wireless PDA payment terminal according to the present invention.

As shown here, a mobile communication repeater 120 is connected to the mobile communication network 100 and relayed through the mobile communication module 60 of the wired / wireless PDA payment terminal 5.

Then, it is connected to the Internet network 110 through the Internet module 70 of the wired and wireless PDA payment terminal (5).

The ERP system 170 and the financial computer network 130 are connected to the mobile communication repeater 120 and the Internet network 110.

The financial computer network 130 includes a bank settlement network 140 connected to each other via a bank and a financial settlement agency 142 between banks for inter-bank payments, and a plurality of credit card companies 164 and credit card VAN systems for credit card payments. The credit card payment network 160 connected to each other through 162 and the mobile communication repeater 120 or the internet network 110 are connected to each other to the bank payment network 140 and the credit card payment network 160. It consists of a VAN system 150 to relay the card payment.

The payment method using the wired / wireless PDA payment terminal according to the present invention in the system configured as described above will be described with reference to the flowchart shown in FIG. 3.

In order to inquire the buyer's information through the wired / wireless PDA payment terminal 5 in order to supply the goods to the buyer and pay the purchase cost in the field, the seller briefly inputs basic information such as name, trade name, and business number (S10). .

Then, the ERP system (via the mobile communication network 100 or the Internet network 110 connected to the mobile communication module 60 or the Internet module 70 based on the basic information of the buyer input from the wired and wireless PDA payment terminal 5 ( Access the 170 and transmits the basic information of the buyer (S20).

At this time, when the mobile communication module 100 is connected to the mobile communication network 100, the mobile communication repeater 120 is connected to the ERP system 170.

As such, the ERP system 170 receiving the basic information of the buyer processes the request and transmits the corresponding information to the wired / wireless PDA payment terminal 5 through the mobile communication network 100 through the mobile communication repeater 120. It is made (S30).

Then, the ERP system 170 receives the list of buyers searched based on the basic information of the buyer and displays them on the monitor 30 of the wired / wireless PDA payment terminal 5 (S40).

When the corresponding buyer is selected from the list of buyers displayed on the monitor 30 to request the order information and the payment information to the ERP system 170, the ERP system 170 processes the requested information to transmit the order information and the payment information to the wired / wireless PDA payment. When the transmission to the terminal 5 is received and displayed on the monitor 30 (S50) (S60).

In this way, in the field in real time, information on the supply of goods to the buyer, that is, order information is confirmed, the goods are supplied according to the order information, and the information of the receivables is confirmed.

It then asks the buyer to pay for the bond.

At this time, it is determined whether the payment is performed based on the order information and the payment information displayed on the monitor 30 (S70).

At this time, when performing the card payment by credit card by reading the card information through the card reader 20 of the wired and wireless PDA payment terminal 5 (S80) through the mobile communication network 100 or the Internet network 110 Access to the computer network 130 to request the payment processing (S90).

After receiving the result of the payment processing request from the financial computer network 130 (S100) and determines whether the normal processing according to the processing result (S110) and if the payment is made normally, and transmits the processing result to the ERP system 170 (S120). It prints the processing result and issues a receipt (S130).

On the other hand, when the buyer makes a cash payment (S70), the cash payment processing result is transmitted to the ERP system 170, and the processing result is printed and a receipt is issued (S120).

In addition, when the payment is made by the transfer of funds, the mobile communication network 100 or the Internet network 100 is connected to the financial computer network 130 to request settlement processing of autonomous transfers and other transfers.

Therefore, when the normal processing according to the result of the payment processing request from the financial computer network 130 transmits the processing result to the ERP system 170 and prints the processing result to issue a receipt.

A case of performing a card payment by a credit card will be described with reference to a flowchart showing a process of performing a credit card payment shown in FIGS. 4 and 5 as follows.

4A and 4B are flowcharts illustrating a case of performing a credit card payment through an internet network, and FIGS. 5A and 5B are flowcharts illustrating a credit card payment process through a mobile communication network.

First, when a payment approval request is made in the wired / wireless PDA payment terminal 5 as shown in FIG. 4A, the credit approval is performed by the VAN system 150 to the corresponding credit card company 164 of the credit card payment network 160. Upon request, the credit card company 164 receives the approval result and transmits the payment to the wired / wireless PDA payment terminal 5 to make a payment.

In this case, the credit card company 164 and the VAN system 150 may be directly connected, but may be connected to the credit card company 164 via the credit card VAN system 162 as shown in FIG. 4B.

When paying through the mobile communication network 100 and when paying through the Internet network 110, the payment process is the same, but via the mobile communication network 100, as shown in FIGS. 5A and 5B 120) to be connected to the VAN system 150.

In addition, the case of performing the payment by the transfer of funds will be described with reference to the flow chart showing the settlement process by the transfer of funds shown in Figs.

6 is a flowchart illustrating a case of making a payment through an internet network, and FIG. 7 is a flowchart illustrating a case of making a payment through a mobile communication network.

6A is a payment flowchart via the VAN system through the Internet network, and FIG. 6B is a payment flowchart through the KFTC through the Internet network.

First, as shown in FIG. 6A, when a wire transfer is performed via the VAN system 150 through the Internet network 110 in the wired / wireless PDA payment terminal 5, the money transfer is made from the buyer's withdrawal account to the seller's deposit account. If requested, VAN system 150 transfers the deposit and withdrawal instructions at a time to the corresponding bank 144 of the bank settlement network 140 so that payment is made.

However, when the other transfer is made via the VAN system 150, that is, when the seller's deposit account and the buyer's withdrawal account are different banks, it is possible to deposit money in the deposit bank 144 and then through the financial settlement agency 142. Withdrawal instruction to the withdrawal bank (146) and receive the result, the bank directs the deposit to the deposit bank (144) via the Korea Finance Institute (142) and transfer the processing result to the VAN system 150, wired and wireless PDA payment terminal (5) The processing result is sent to confirm that the payment has been made.

On the other hand, as shown in Figure 6b in the wired and wireless PDA payment terminal 5 through the Internet settlement 110 via the financial settlement agency 142 when the transfer to the deposit bank 144 in the buyer's withdrawal account of the seller The deposit and withdrawal instructions are sent at the time of requesting the transfer of funds to the deposit account so that payment can be made.

However, when the other bank transfer is made through the KFTC 142, that is, when the seller's deposit account and the buyer's withdrawal account are different banks, withdraw the money to the withdrawal bank 146 after checking the receipt of money. Instructs to receive the result and instructs the deposit bank 144 to deposit and receive the processing result to be sent to the wired and wireless PDA payment terminal 5 to confirm that the payment was made.

As described above, FIG. 7A is a payment flowchart in the case of passing through the VAN system 150 through the mobile communication network 100, and FIG. 7B is a payment flowchart in the case of passing through the KFTC 142 through the mobile communication network 100. All payment processes are the same except through the mobile communication repeater 120 for connection with the communication network 100, the VAN system 150, and the financial settlement agency 142.

In this way, the ERP system 170 is connected to the Internet through the network 110 or the mobile communication network 100 to confirm the purchaser's order information and bond information, and based on this payment by performing the financial business by card, cash and transfer And by transmitting this immediately to the ERP system 170 it is possible to manage and aggregate the site of the supply of goods in real time in real time.

As described above, the present invention can query the information necessary for supply anytime, anywhere through the enterprise-wide resource management (ERP) and electronic financial transactions through wireless and Internet in the field through wired and wireless PDA payment terminal, and through the inquired data There is an advantage that can be settled through financial transactions of cash, card and bank transfer.

In addition, the commodity supply stage and the diversification of handling goods quickly and accurately grasp the information overflowing in the information age, such as the vast customer information, strengthening the user's competitiveness, so that not only the banking business, credit card business but also the subject of payment There is an advantage that the maximum effect can be obtained by linking the goods supply information and customer information.

In addition, by accessing and inquiring in real time with wired and wireless PDA payment terminal and ERP system, there is an advantage that can double the role and performance of the supplier in the goods distribution step anytime and anywhere.

In addition, the product payment is made based on the information of the ERP system that is linked to the wired / wireless PDA payment terminal in real time, so that the accurate payment and the accompanying information (customer, payment time, place) are delivered to the site in real time from the ERP system. It is possible to maximize the work efficiency by enabling management and aggregation of the current status of supplying in real time.

In addition, the new order and information is delivered by linking the wired / wireless PDA payment terminal with the ERP system, thereby easily delivering the order history to the employees in the field, thereby increasing the sales efficiency.

In addition, it is possible to expand the scope of use by linking financial business and credit card business with banks, financial settlement agencies, credit card companies, credit card VAN systems, etc. according to the characteristics of the business, including specific banks. have.

Claims (4)

Keypad for inputting data for banking and enterprise resource management and terminal control; A card reader for reading information on various cards, A mobile communication module for accessing a financial computer network or an ERP system through a mobile communication network; An internet module for accessing a financial computer network or an ERP system through a wired internet network; A controller for controlling remote access through the mobile communication module or the internet module for banking and enterprise-wide resource management by manipulating the keypad and performing a financial service through the card information read from the card reader; A monitor for displaying the processing result of the controller; A printer for printing the processing result of the controller; A memory unit for storing a basic program for driving a payment terminal and operating the control unit; Alarm unit for informing the operating state during the operation of the payment terminal Wired and wireless PDA payment terminal, characterized in that consisting of. Inputting basic information to inquire the buyer's information through the wired / wireless PDA payment terminal to pay for the purchase cost; Transmitting the basic information of the buyer to the ERP system through the mobile communication network or the internet network based on the basic information of the buyer; Receiving the list of buyers searched based on the basic information of the buyer in the ERP system and displaying the list on the monitor; Selecting the buyer from the list of buyers displayed on the monitor and requesting order information and payment information from the ERP system; Receiving the requested order information and payment information from the ERP system and displaying on the monitor; Determining whether the payment is to be performed based on the order information and the payment information displayed on the monitor; Determining whether the payment is to be made and performing payment by card, reading the card information, accessing the financial computer network through a mobile communication network or the Internet, and requesting payment processing; If the normal processing is performed according to the payment processing request from the financial computer network, transmitting the processing result to the ERP system, printing the processing result and issuing a receipt. Payment method using a wired or wireless PDA payment terminal, characterized in that consisting of. The method of claim 2, further comprising: transmitting the cash payment processing result to the ERP system and printing the processing result and issuing a receipt when the payment is performed in cash after determining whether the payment is performed. Payment method using PDA payment terminal. The method of claim 2, further comprising the steps of requesting payment processing of autonomous transfers and other transfers by accessing a financial computer network through a mobile communication network or an internet network when the payment is carried out after determining whether the settlement is performed. If the normal processing is performed according to the payment processing request from the financial computer network, transmitting the processing result to the ERP system, printing the processing result and issuing a receipt. Payment method using a wired or wireless PDA payment terminal, characterized in that further comprises.