KR20040040332A - Credit card transaction authentication and voucher custody method and system which uses the PDA - Google Patents

Abstract

PURPOSE: A system and a method for certifying the credit card transaction and managing a slip using a PDA(Personal Digital Assistant) are provided to prevent the illegal transaction of a credit card and electronically manage the sale slip of the credit card by equipping a wireless PDA with an application program and certifying a sign electronically inputted from a customer when the customer uses the credit card. CONSTITUTION: The PDA(3) requests the transaction particulars inquiry, requests certification by analyzing a pattern after receiving the sign, requests approval by receiving settlement information, and outputs a result. A credit card system(2) stores an electronic sign of the customer as the pattern, decides the certification by comparing the received sign pattern with the stored pattern, and decides the approval by confirming the received settlement information. A relay system(1) relays data between the PDA and the credit card system, stores a log of data transmission, and transmits the inquired transaction particulars and the stored electronic sign to the PDA after storing the electronic sign pattern of the customer.

Description

Credit card transaction authentication and voucher custody method and system which uses the PDA}

The present invention relates to a credit card transaction authentication and voucher management system, and more particularly, to the wireless personal digital assistant (PDA) equipped with an application program for electronic signature authentication (Custom Program), the customer when using the credit card By digitally inputting the signature of the digital signature and comparing it with the registered digital signature pattern, the certificate is authenticated, thereby preventing illegal transactions caused by the loss of the customer's credit card and improving the quality of service in security. As the electronic management of the documents becomes possible, the convenience of managing the sales documents is increased and the loss due to the loss of the sales documents is prevented.

In general, when a credit card transaction transmits only the customer's credit card information and payment information to a credit card company through a van company, the credit card company confirms the approval and receives approval for use, and the sales slip accordingly is a credit card company. The company manages the documents after printing them for customers, merchants, and customers.

However, in the above credit card transaction method, when a customer loses a credit card that is illegally traded, if the customer does not recognize the loss of the credit card and does not report the loss to the credit card company, the payment is only approved by the credit card information. Therefore, the security protection against illegal transactions of credit card is not fully guaranteed, and merchants must collect sales slips for credit card transactions and claim the payment on the billing date, so the sales slip must be kept until the billing date. There is an inconvenience, and if the sales slip is lost, there was a problem that you can not claim the payment.

Accordingly, an object of the present invention is to solve the above-mentioned problems, and is equipped with an application program for digital signature authentication in a wireless PD, and electronically inputs and registers a signature of a customer when using a credit card and registers it. The present invention provides a method and system for authenticating a credit card transaction and managing a slip using a PD to prevent illegal transactions of the credit card and to manage the sales slip of the credit card electronically by comparing the digital signature pattern with an electronic signature pattern.

1 is a flow chart of a credit card transaction authentication method using a PD according to the present invention.

Figure 2 is a detailed flowchart of the customer digital signature registration of the credit card transaction authentication and slip management method using the PD according to the present invention.

Figure 3a to Figure 3b is a detailed flowchart of the credit card transaction authentication method using a PD according to the present invention.

Figure 3c and Figure 3e is a detailed flow diagram showing another example of a credit card transaction authentication method using a PD in accordance with the present invention.

Figure 4 is a detailed flow chart of the transaction history inquiry of the credit card slip management method using the PD according to the present invention

Figure 5 is a detailed flowchart of the signature pattern analysis of the credit card transaction authentication and slip management method using the PD according to the present invention.

Figure 6 is a block diagram of a credit card transaction authentication and slip management system using a PD in accordance with the present invention.

Figure 7 is a block diagram of the PD of the credit card transaction authentication and slip management system using PD in accordance with the present invention.

Explanation of symbols on the main parts of the drawings

1: relay system 2: credit card system

3: PD22: digital signature DB server

31 processing unit 32 storage unit

33: input unit 34: transceiver

35: output unit 332: touch screen

Credit card transaction authentication method using the PD to achieve the object of the present invention as described above, the step of receiving the payment information, such as credit card information and payment amount of the PD, the PD receives the electronic signature of the customer pattern Generating an approval request message together with the payment information, transmitting the approval request message to a relay system, and receiving the approval request message from the relay system, storing a log, and transmitting the message to the credit card system. And analyzing, by the credit card system, the received authorization request text and comparing the signature pattern of the customer with the stored signature pattern, determining whether to approve according to the signature pattern comparison result, and processing the approval. Transmitting the result to the relay system, and storing the received processing result by the relay system. Characterized in that if comprises a step and a step of performing the function according to the received processing result is received pidieyi that the relay transmission system, the process results in pidieyi.

In addition, the credit card slip management method using the PD to achieve the above object of the present invention, the step of receiving a transaction history search conditions, generating a query full text according to the search conditions, Transmitting to the relay system, analyzing the inquiry message received by the relay system, searching for transaction details and electronic signatures according to a search condition, generating a result message based on the search result, and generating the result message. And transmitting to the PD, outputting the transaction history by analyzing the received full text of the PD and printing the transaction details and the electronic signature selected from the output list.

In addition, credit card transaction authentication and slip management system using the PD to achieve the above object of the present invention. Request a transaction history, input the signature, analyze the pattern, request authentication and payment information, request the approval and output the result, and store the digital signature of the customer's digital signature and send the signature It compares the pattern with the stored pattern to determine whether to authenticate, and checks the payment information received and relays the data transmission between the credit card system and the PD and the credit card system to determine whether to approve, and stores the log according to the data transmission After storing the customer's digital signature pattern, if there is a transaction history inquiry request from the PD, it characterized in that it consists of a relay system for transmitting the inquiry transaction history and the stored electronic signature to the PD.

In the following description of the preferred embodiments of the present invention in detail with reference to the accompanying drawings, when it is determined that the detailed description of the related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Do it.

1 is a flowchart of a credit card transaction authentication method using a PD according to the present invention, which reads a customer's credit card to the PD and inputs credit card information and inputs payment information such as a payment amount (S101). Afterwards, when the customer signs the PD, the PD generates a full text of the request for approval along with the payment information by patterning the received signature (S102).

Here, the screen of the PD is composed of a touch screen, the pattern of the customer signature is performed in parallel with a character recognition algorithm (Algorithm), it is preferable to obtain a pattern by vectorizing the coordinates obtained through the character recognition. But it is not limited to this.

When transmitting the approval request text including the payment information and the patterned customer signature to the relay system (S103), the relay system receives the approval request text and stores a log (log) according to data transmission to the credit card system. Retransmission (S104).

At this time, the relay system extracts payment information and signature patterns of customers from the approval request text and stores them in a database separated by customers or by merchants, and then immediately retrieves and transmits data when requesting transaction details from merchants. Of course, you can also say the road.

The credit card system analyzes the received approval request text and compares the signature pattern of the customer with the stored signature pattern (S105). The stored signature pattern patterns the signature of the customer when the customer joins the credit card company as a member. It is saved.

The signature pattern is compared to allow approval when the match rate of the two patterns is greater than the reference value (S106). If the match rate is less than the reference value, an error message ('recognition failure') or a warning message ('use of the card Will be sent to the PD).

In addition, a lower limit value may be set for the matching rate, and if the matching rate is smaller than the lower limit value, the lower limit value may be recognized as a lost or stolen card to perform a procedure corresponding to an illegal transaction.

The credit card system transmits the determined approval to the relay system (S107), the relay system stores the received processing result (S108), and then retransmits it to the PD (S109), the PDEI receives the received processing result According to the operation or outputting an error message or warning message, or print the billing history including the customer signature on the slip (S110).

Figure 2 is a detailed flow chart for the customer electronic signature registration of the credit card transaction authentication and slip management method using the PD according to the present invention, when a new subscriber applies for membership, enter the information necessary to use the credit card (S201) DB After storing (S202), the subscriber's signature is digitized (S203) and the pattern is analyzed (S204).

After that, the subscriber's signature is analyzed again and the pattern is analyzed, compared with the first analyzed pattern (S206), and only when the comparison result is within an error range that can be determined to be the same person (S207). Store the DB (S208) and issue a credit card (S209).

If the comparison result is out of the error range, the pattern analysis and comparison process are repeated.

3A to 3B are detailed flowcharts of a credit card transaction authentication method using a PD in accordance with the present invention, by selecting a button for credit card payment (S301) and reading a customer's credit card (S302). And input payment information such as a payment amount (S303), the payment information is output on the screen (S304).

When the customer checks the payment information output on the screen of the PD (305) and enters the signature on the screen of the PD (S306), the PD to pattern the received signature to generate the approval request text together with the payment information ( S307).

When transmitting the approval request message to the relay server of the relay system (S308), the relay server analyzes the received approval request message, and stores the log according to the data transmission in the database (S309), and then to the company server Send the full approval request (S310).

Here, the relevant company refers to a company in charge of payment of a credit card read to PD, and mainly refers to a Bensa or a credit card company.

The corresponding company server analyzes the received approval request full text (S311), compares the signature pattern of the customer with the stored signature pattern and confirms the payment information (S312), and according to the comparison and confirmation result, approves the transaction ( S313) to generate an approval completion message (S314) or to generate an error message (S315) and transmits to the relay server of the relay system (S316).

Thereafter, since the processing of the approval completion message and the processing of the error message are the same, only the approval completion text will be described below.

The relay server analyzes the received complete text and stores the log and payment information and the electronic signature according to the data transmission in the database (S317) and transmits it to the PD (S318), and the PD has analyzed and processed the received complete text. The result is output to the screen (S319), and the processing result and the electronic signature are printed on the slip (S320).

3c and 3e are detailed flow charts showing another example of the credit card transaction authentication method using the PD according to the present invention, by selecting a button for making a credit card payment (S322) to read the customer's credit card (S323) When the information of the credit card is input and payment information such as the payment amount is input (S324), the payment information is output on the screen (S325).

When the customer checks the payment information output on the screen of the PD (326), the PD generates a request for approval (S327) and transmits to the relay server of the relay system (S328), the relay server receives the received request for approval message After analyzing the data, the log according to the data transmission is stored in the database (S329), and transmits the approval request message to the corresponding company server (S330).

The corresponding company server analyzes the received approval request text (S331) and checks the payment information (S332). According to the comparison and confirmation result, the transaction is approved (S333) to generate an approval completion text (S334) or an error. The message is generated (S321) and transmitted to the relay server of the relay system (S321) (S335).

At this time, when the error message is transmitted to the relay server (S342), the relay server receiving the error message stores the log and error message according to the data transmission in the database (S343) and then transmits to the PD (S344), the The PD outputs the received error message (S345).

Then, when the approval completion message is transmitted to the relay server (S335), the relay server analyzes the received approval completion message and stores the log and payment information according to the data transmission in the database (S336) and transmits to the PD (S337). The PD analyzes the received approval completion text and outputs the processing result on the screen (S338).

When the customer checks the processing result output on the screen of the PD, and signs his own on the screen of the PD, the PD receives a signature of the client (S339) and generates a certification request message for signature verification (S340). do.

When the authentication request message is transmitted to the relay server of the relay system (S347), the relay server analyzes the received approval request message and stores the log according to the data transmission in the database (S348) and then to the corresponding company server. The authentication request message is transmitted (S349).

The corresponding company server analyzes the received authentication request full text (S350), compares the signature pattern of the customer with the stored signature pattern and confirms the payment information (S351), according to the result of the comparison and verification, verify the signature ( S352) to generate an authentication completion message (S353) or to generate an error message (S360) and transmits to the relay server of the relay system (S342) (S354).

Since the processing of the error message is the same as the transmission of the error message upon the approval request, only the full text of the authentication will be described below.

The relay server analyzes the received authentication completion message and stores the log and the electronic signature according to the data transmission in the database (S355) and transmits the data to the PD (S356), and the PD has analyzed the received authentication completion message and processed the result. The screen outputs (S357) and prints the received approval completion text processing result on the slip together with the authentication completion text processing result and electronic signature (S358).

Figure 4 is a detailed flow of the transaction history inquiry of the credit card slip management method using the PD according to the present invention, by checking the details of transactions during a specific period in the merchant to check whether the slip of the slip and output the missing slip When selecting the transaction history inquiry button (S401) and inputting a search condition (search period, etc.) (S402), the PD will generate a query full text according to the input search condition (S403).

When the PDI transmits the generated inquiry text to the relay server of the relay system (S404), the relay server analyzes the received inquiry text and searches for the requested transaction details (S405), and generates a result text according to the searched data. (S406).

In this case, the result message includes the electronic signature data of the customers who have traded together with the details of transactions during the corresponding period, and if there is no searched transaction history, the message is transmitted to the PD.

When the relay server transmits the generated full text to the PD (S407), the PD analyzes the received full text (S408) and outputs a transaction history list on the screen of the PD (S409). When the desired transaction history list is selected (S410) and whether or not to print out (S411), the corresponding transaction customer is printed with the signature on the slip (S412).

FIG. 5 is a detailed flowchart illustrating a signature pattern analysis of a credit card transaction authentication and slip management method using a PD in accordance with the present invention. When a signature of a customer is input to the PD, in step S501, the PD is inputted from the input signature image. After the strokes are separated (S502), the separated strokes are converted into a collection of a plurality of points, that is, converted to coordinates of each point, and displayed (S503), and a vector value according to each coordinate is calculated (S504).

When all the strokes are converted by repeating the above process (S505), the pattern according to the vector value is calculated (S506) and transmitted to the corresponding server (S507), and the corresponding server compares with the registered pattern (S508) and matches. If so (S509), the corresponding signature is verified (S510).

Here, the pattern recognition of the signature image can be variously applied according to the needs of those skilled in the art by a well-known method.

6 is a block diagram of a credit card transaction authentication and slip management system using a PD according to the present invention, Figure 7 is a block diagram of a PD of a credit card transaction authentication and slip management system using a PD according to the present invention, In order to make a card payment, the PD 3 selects a payment button in the key input device 331 configured in the input unit 33, reads the credit card through the card input device 333, and receives the credit card information.

In addition, when additional information such as a payment amount is input through the key input device 331, it is output to the touch screen 351 configured in the output unit 35 of the PD 3, and the customer checks the output information. When the signature block output on the touch screen is signed, the input signature image is transmitted to the processing unit 31, and the processing unit 31 uses a pattern recognition program stored in the auxiliary memory 322 of the storage unit 32. After the conversion, the full text of the approval request is generated together with the payment information.

The approval request message generated by the processing unit 31 is transmitted to the relay server 11 of the relay system 1 through the wireless transmission / reception apparatus 341 of the transceiver unit 34, and the relay server 11 receives the received Analyzing the full text of the request for approval, the log according to the data transmission is stored in the DB server 12 and transmitted to the credit card server 21 of the corresponding company server, that is, the credit card system 2.

The credit card server 21 analyzes the received authorization request text, compares the signature pattern of the customer stored in the electronic signature DB server 22 and confirms the payment information. Approved to generate the approval complete message or to generate an error message and transmits to the relay server 11 of the relay system (1).

Thereafter, since the processing of the approval completion message and the processing of the error message are the same, only the approval completion text will be described below.

The relay server 11 analyzes the received complete message and stores the log and payment information and the electronic signature according to the data transmission in the DB server 12, and then transmits it to the PD3. It is input to the processing unit 31 through the wireless transmission and reception device 341 configured in the transmission and reception unit 34 of the PD 3, and the processing unit 31 analyzes the received complete message and outputs the processing result of the output unit 35. The touch screen 351 is output, and the processing result and the electronic signature are output through the printer 352 of the output unit 35.

And, in order to check the details of the transaction during the specific period in the merchant to check the missing document and output the missing document, the transaction history inquiry button of the key input device 331 configured in the input unit 3 of the PD 3 When the selection is made and a search condition is input, the processing unit 31 of the PD 3 generates a search message according to the input search condition.

When the PD 3 generates the inquiry inquiry message through the wireless transmission / reception unit 341 configured in the transmission / reception unit 34 to the relay server 11 of the relay system 1, the relay server 11 receives the received message. After analyzing the inquiry text, the requested transaction history is searched in the DB server 12, and then the result text according to the searched data is generated and transmitted to the PD3.

The PD 3 analyzes the received result and outputs a list of transactions on the touch screen 351 configured in the output unit 35 of the PD 3, and outputs a list of desired transactions from the list of outputs. If it is selected, it outputs through the printer 352 of the output unit 35.

Here, the main memory 321, which is not described, is mounted with a drive program (O / S: operating system) of the PD3, and can be variously modified within a range not departing from the basic concept according to the needs of those skilled in the art.

As described above, according to the present invention, when a credit card is used, the signature of the customer is electronically inputted and patterned to be compared with a registered digital signature pattern to be authenticated, thereby preventing illegal transactions caused by the loss of the credit card of the customer, and As the quality of service is improved in security, merchants can manage the credit card sales slips electronically, so they can check the details of transactions during a certain period of time and check whether the slips are missing and print out the missing slips. It is effective to increase the convenience of the management and to prevent the loss caused by lost sales slip.

Claims (3)

Receiving a payment information such as credit card information and payment amount by the PD (S101); Step S102 of the PD receiving the electronic signature of the customer and patterning to generate a full text of the approval request with the payment information, and Transmitting the approval request message to the relay system (S103); Receiving, by the relay system, an authorization request message, storing the log, and transmitting the log to the credit card system (S104); Analyzing the received authorization request message received by the credit card system and comparing the signature pattern of the customer with the stored signature pattern (S105); Determining whether to approve according to the signature pattern comparison result (S106); Transmitting the result of the processing on whether to approve to the relay system (S107); Storing the received processing result by the relay system (S108); The relay system transmitting the processing result to the PD (S109) and And performing a corresponding function according to the received processing result of the PD (S110). Receiving a transaction history search condition (S402), Generating a search message according to the search condition (S403); Transmitting the inquiry full message to a relay system (S404); Searching the transaction history and the electronic signature according to a search condition by analyzing the received inquiry message received by the relay system (S405); Generating a full text of results based on the search results (S406); Transmitting the full text of the result and the PD (S407), Outputting the transaction history by analyzing the full text received by the PD (S409) and Method of managing a credit card slip using a PD, characterized in that the step of printing the selected transaction details and the electronic signature in the output list (S412). PD (3) for requesting transaction history inquiry, inputting signature, analyzing pattern, requesting authentication and inputting payment information, requesting approval and outputting the result; A credit card system (2) for patterning and storing the customer's digital signature, comparing the transmitted signature pattern with the stored pattern to determine whether to authenticate, and determining whether to approve by checking the received payment information; When the data transmission between the PD 3 and the credit card system 2 is relayed, a log according to the data transmission is stored, and the customer's electronic signature pattern is stored, and there is a transaction history inquiry request from the PD 3. Credit card transaction authentication and slip management system using the PD, characterized in that consisting of a relay system (1) for transmitting the transaction details and the stored electronic signature to the PD (3).