KR20050079886A - System and method for card payment and sale management using internet - Google Patents

Abstract

The present invention enables the supplier to perform the entire sales management by payment and merchants without using a separate wireless terminal at the time of collection, and at the same time to replace the MS card with the IC card in the MS pre-distributed at all merchants Commercially available PC card reader that performs only a function of simply reading card data to an internet-enabled merchant computer, which is generally provided at the merchant, without the need to replace the card inquiry machine with a dedicated terminal for an expensive IC card. The present invention relates to a card payment / sales management system using the Internet and a method thereof, by applying a PC type payment program, so that each affiliated store can easily establish an IC card operation environment at the lowest cost.

Description

Card payment / sales management system and method using internet {SYSTEM AND METHOD FOR CARD PAYMENT AND SALE MANAGEMENT USING INTERNET}

The present invention relates to a card payment / sales management system and method using the Internet, and more specifically, to enable the supplier to perform the entire sales management by payment and merchants without using a separate wireless terminal when collecting At the same time, in the case of replacing the MS card with the IC card, there is no need to replace the MS card card searcher already provided by all the merchants with a dedicated terminal for the IC card, which is expensive. By using a commercially available PC card reader and PC-type payment program that performs a function of simply reading card data into a computer, each merchant can use the Internet to easily establish an IC card operating environment at the lowest possible cost. It relates to a card payment / sales management system and a method thereof.

Payment and sales management technologies using cards include Card Authority Terminal (CAT), Point of Sales (POS), and Payment Gateway (PG). CAT uses a card lookup device, which is a dedicated terminal only for card approval installed in a card merchant (operator) through a public telephone network (PSTN), wireless communication, and the Internet, and is implemented as a dedicated hardware and program in a CAT environment. POS is a system that performs real-time integrated management at the point of sale by using payment and sales management programs installed in card merchants (PSTN), public telephone network (LAN) and the Internet. It is implemented with dedicated hardware and programs. PG uses an online module for payment only installed in a user computer (consumer) through the Internet as a network, and is implemented as a server-client dependent PC program in a personal computer (PC) environment.

In the case of CAT or POS, a dedicated terminal for card inquiry should be placed in each affiliate store. For the merchant, the purchase cost of the terminal due to the installation of the dedicated terminal, telephone charges for each transaction approval, and incurred merchant fee burden were inevitable. In addition, the terminal replacement factors such as version change of the dedicated terminal operating program, device expansion such as pin-pad or device change may occur, and overall sales management is difficult.

In general, a card applied to CAT or POS is classified into an MS card (Magnetic Stripe Card) and an IC card (Integrated Circuit Card). In recent years, EMV (Europay Master Visa) standard IC card and IC card have been operated to solve the problem of MS card which is weak in safety and security, small memory capacity and easy forgery and alteration by using magnetic. Dedicated terminals have been introduced. However, the development and dissemination of a dedicated terminal for replacing and operating the already-used MS card with an IC card is expected to consume enormous time and cost.

In addition, in the case of the PG, there is a inconvenience that the consumer directly enters the card information because no separate hardware for card input or inquiry is installed in the user computer, and there is a problem that the degree of security is also not secured to a certain level.

Accordingly, an object of the present invention is to solve the above-mentioned problems, and the merchant implements a PC-type payment program on a general PC to perform card payment and sales management through the Internet without a separate terminal. In addition, by operating an Internet payment management server that has established a collection card database and a merchant database for collection cards issued in advance, the goods provider can perform overall sales management by payment and merchant without using a separate wireless terminal when collecting money. By reducing the cost of purchasing a dedicated terminal and setting up an environment for approving a card transaction, enabling convenient card payment in two-way in an environment where a dedicated terminal fee (CMS, DDC, etc.) does not occur, and systemizing the entire sales management service It is.

Another object of the present invention, in the alternative operation of the MS card to the IC card, it is generally provided in the merchant, without the need to replace the MS card card lookup pre-supplied at all merchants with a dedicated terminal for the IC card to reach a high price By applying commercially available IC card readers and PC-type payment programs that perform only the function of simply reading card data to internet-enabled merchant computers, the IC card operation environment can be easily constructed at the lowest possible cost at each merchant. To make it possible.

Card payment / sales management system using the Internet according to the present invention for achieving the above object, a plurality of merchant computer 100, the merchant network is connected to the merchant computer 100 through the Internet network 110, merchant information, buyers Internet payment management server 120 for transmitting the transaction approval request data including card information and payment information to the VAN company server 130, and the transaction approval request data received from the Internet payment management server 120 to the card issuer In the system comprising a VAN company server for relaying to the card company server 140, and the card company server 140 to query the transaction approval request data and transmit the transaction approval result accordingly, the Internet network The merchant computer 100 coupled to the Internet payment management server 120 through 110 is equipped with a built-in or external card reader for PC (100a) for reading cards In order to control the PC card reader (100a) at the time is installed a PC-type payment program built in software, the PC-type payment program from the PC card reader (100a) through the Internet network 110 The transaction approval request data including the payment card information and the collection card information read through the input means of the merchant computer 100 is generated and transmitted to the Internet payment management server 120, and in response. Receives the returned transaction approval result and performs the payment transaction outputting on the sales slip, and saves the transaction approval request data and the sales history for the transaction approval result according to the payment transaction, and then uses the sales history. Is configured to perform the management, the Internet payment management server 120 is a collection cart that stores the collection card information of the goods supplier for the previously issued collection card Characterized in that the database is adapted to the merchant and the merchant database information stored in the building management updates the total sales by merchants and passes collected information to the card replacement to the merchant information to the VAN company server 130.

Preferably, the PC card reader (100a) is an MS card reader to read the card data from the purchaser card of the MS card type in accordance with the international standard, and inputs to the merchant computer 100, IC card type according to the international standard At least one of the IC reader to receive the card data from the buyer card of the input to the merchant computer (100).

Preferably, the PC-type payment program installed in the merchant computer 100, the card interface 101 for receiving the card data in accordance with the international standard by controlling the PC card reader (100a), and the goods supplier The transaction approval request data is generated using the collection card information which is the card data of the collection card used by the user, the buyer card information which is the card data of the buyer card used by the buyer, and the payment information input through the input means of the affiliated store computer 100. And the card payment module 102 for performing the payment transaction to receive the transaction approval result returned in the response and output on the sales slip, and the payment transaction processed in the card payment module 102 After the transaction approval request data and the transaction approval result are stored in the database 107, the sales management is performed using the sales history, and the user command The sales management module 103, which is displayed and the other applications installed and operated in the affiliated computer computer 100, sort the sales history stored in the database 107 according to a user input or sort by type. The application program interworking module 104 to query and display, the security module 105 for encrypting the transaction approval request data and transmitting it to the Internet network 110 through the Internet interworking module 106, and the Internet network 110 to Combined with the Internet connection module 106 for transmitting and receiving data through the Internet network 110 without using a separate PSTN (public telephone network), and the database that the transaction approval request data and transaction approval results are stored as sales history ( 107), and a control module 108 for controlling each component constituting the PC payment program.

Preferably, the PC-type payment program built in the merchant computer 100 performs a credit card authorization / cancellation function, a collection card authorization / cancellation function at least during a payment transaction, and a transaction generated according to a payment transaction. It performs sales management function using approval request data and transaction approval result.

Card payment / sales management method using the Internet according to the present invention, the transaction approval request data including the collection card information, buyer card information, payment information input to the merchant computer 100 is generated and the Internet through the Internet network 110 Step (S100) is transmitted to the payment management server 120, the Internet payment management server 120 searches the collection card database to find the supplier information corresponding to the collection card information, search the merchant database to find the supplier history Detecting the affiliated store information, replacing the collection card information in the transaction approval request data with the affiliated store information (S110), and the transaction approval request data in which the Internet payment management server 120 replaces the collection card information with the affiliated store information. Transmitting to the VAN company server 130 (S120), and the VAN company server 130 reads the purchaser card information included in the transaction approval request data. Transmitting the transaction approval request data to the card company server 140 that issued the buyer card of the buyer (S130 to S140), and the card company server 140 inquires the received buyer card information for approval or rejection. Generating a transaction approval result (S150), receiving a transaction approval result transmitted from the card company server 140 to the affiliate computer 100 (S160), and the affiliate computer 100 requesting a transaction approval And outputting the transaction approval result returned in response to the data and the transaction approval request data on the sales slip and storing the transaction history (S160 to S170).

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 an overall configuration of a card payment / sales management system using the Internet according to the present invention.

In general, the financial infrastructure for card merchants for card payment or sales management refers to a dedicated terminal for card inquiry or a general point of sales (POS) type terminal. Means a one-way terminal to perform. In contrast, in the present invention, by using the merchant computer 100, which is a form of a general PC capable of the Internet, the card reader 100a for the PC mounted in the merchant computer 100 internally or externally as a hardware, the merchant computer 100 The software-based payment program that performs the payment transaction and the sales management function in the state of being downloaded and installed as a software, implements the financial infrastructure for card affiliates composed of hardware and software. The PC-type payment program refers to a web finance module that enables interactive communication using not only card payment transactions and sales management functions using the card in the Internet environment but also various other additional services. .

1, the card payment / sales management system using the Internet according to the present invention is coupled to the merchant computer 100 and the merchant computer 100 through the Internet network 110, collection card information (collection card) Number, expiration date, etc.), purchaser card information (purchaser card number, expiration date, etc.), payment approval information including payment information (payment amount, installment months, etc.) Internet payment that transmits to the VAN company server 130 Management server 120, VAN company server 130 for relaying the transaction approval request data received from the Internet payment management server 120 to the card company server 140 that issued the card, and transaction approval request data It is configured to include a card company server 140 for querying and transmitting the transaction approval result accordingly.

Buyer card is a card used by a buyer to pay for credit cards such as MS Card, debit card, IC card, etc., and a collection card is a wireless terminal for payment of goods to the buyer who sold the goods. It's a card that you carry instead. For example, if a pharmacy, a supplier of goods, sells a certain amount of medicine to a pharmacy, which is the buyer's position, and the pharmacy wants to pay for the drug with a card, a pharmacy employee may use a collection card and a pharmacy instead of a wireless terminal for card payment. It is to perform a card payment using the merchant computer 100 provided in the.

In general, a card inquiry device, which is a dedicated terminal provided in a card merchant for a card transaction, has a unique terminal number that is replaced with affiliated store information for each terminal. Conventionally, affiliated store identification has been made using this terminal number. In the present invention, a dedicated terminal with a unique terminal number is not used. Instead, a card reader 100a for a PC which is mounted on the affiliate computer 100 and performs only a function of reading card data is used. Afterwards, the collection card information is replaced with the affiliated store number through the Internet payment management server 120.

The merchant computer 100 coupled to the Internet payment management server 120 through the Internet network 110 is equipped with a PC card reader 100a that reads a card internally or externally, and at the same time, a PC card reader In order to control 100a, a PC-type payment program constructed with software is installed. PC type payment program is a payment card information and collection card information read from the PC card reader (100a) through the Internet network 110, payment information input through the input means (keyboard, mouse, etc.) of the merchant computer 100 After generating the transaction approval request data containing the data is transmitted to the Internet payment management server 120 and receives the transaction approval result returned in response to the transaction (payment) to perform the payment transaction to output on the sales slip, After storing the transaction approval request data and transaction details of the transaction approval result according to the payment transaction, it is configured to perform sales management using the sales history.

Internet payment management server 120 is a collection card database that stores the collection card information of the goods supplier for the previously issued collection card and the merchant database stored merchant information is built to update and manage the total sales of each merchant and collect the collection card information merchant information Substituted by the VAN company server 130 is configured to deliver.

The card reader for a PC 100a installed in the merchant computer 100 internally or externally is an MS reader for reading card data from a purchaser card in the form of an MS card and inputting the card data into the merchant computer 100 according to the international standard. It is one of the IC reader to receive the card data from the purchaser card of the IC card form according to the standard and input it to the merchant computer (100). Conventionally, the card lookup machine which is generally distributed to the merchants has a burden for the MS card, and in order to operate the IC card, an expensive dedicated terminal must be separately provided. However, in the present invention, the IC card can be operated only by installing the PC card reader 100a and the PC-type payment program, without having to provide an expensive dedicated terminal separately. PC card reader (100a) is provided to be mounted on the merchant computer 100 is usually provided in the merchant is a device that performs only a function of simply reading the card data.

In addition, the affiliated computer computer 100 is externally mounted through any port, such as a serial port, a parallel port, a USB port, for a PC thermal printer 100b for issuing sales slips.

That is, the merchant computer 100 is equipped with a PC card reader 100a and a PC thermal printer 100b, and a PC-type payment program for operating the same is installed to replace a conventional dedicated terminal, the PC is installed In the payment program, payment transactions and sales management functions are implemented. When the buyer enters the buyer's card into the PC card reader 100a for the card transaction, the buyer's card information is transmitted to the VAN company server 130 through the Internet network 110 coupled to the affiliated computer 100. When the buyer card information of the buyer read in the merchant computer 100 is sent to the VAN company server 130, the VAN company server 130 connects with the KFTC to check the credit on the buyer card of the buyer, and again the user card After checking the member's card limit and accident situation by connecting to the card company server 140 of the company that issued the card in order to check the credit of the member, if there is no abnormality, the payment method is approved.

The billing function is integrated with the sales management function. That is, the purchaser's card information read from the PC card reader 100a attached to the affiliated computer 100 is connected to the VAN company server 130 through the Internet network 110 to check credit, check card limits, and cards. In addition to making payment transactions such as payment, sales management reflecting the transaction approval request data may be stored in a database in the affiliated computer computer 100 to efficiently perform sales management. The sales records recorded in the database can be used to check the daily, weekly, monthly, and yearly sales performances, and can be used for taxation policies as a transparent sales basis.

Meanwhile, the goods provider operating the Internet payment management server 120 issues a supplier collection card in advance, and builds a collection card database storing the collection card information of the supplier and a merchant database storing the merchant information on the Internet payment management server 120. do. The Internet payment management server 120 updates and manages the total sales for each affiliate, and transfers the collection card information to the VAN company server 130 by substituting the collection card information for the payment transaction.

2 is a block diagram of a PC-type payment program installed in the merchant computer according to the present invention.

Referring to FIG. 2, the PC-type payment program installed in the affiliated computer 100 may control a PC card reader 100a to receive card data according to an international standard, and an article provider. The transaction approval request data is generated using the collection card information which is the card data of the collection card used by the user, the buyer card information which is the card data of the buyer card used by the buyer, and the payment information input through the input means of the merchant computer 100. The card payment module 102 performs a payment transaction that receives the transaction approval result returned in response and outputs it on the sales slip, and a transaction according to the payment transaction processed by the card payment module 102. After the approval request data and transaction approval result are stored in the database 107 as the sales history, the sales management using the sales history is performed and displayed according to the user command. In conjunction with the management module 103 and other application programs (Excel, Word, etc.) installed and operated in the merchant computer 100, the sales history stored in the database 107 is sorted or sorted according to a user input. The application program interworking module 104 to query and display, the security module 105 for encrypting the transaction approval request data and transmitting it to the Internet network 110 through the Internet interworking module 106, and the Internet network 110 is coupled to Internet connection module 106 for transmitting and receiving data through the Internet network 110 without using a separate PSTN (public telephone network), and a database (107) in which transaction approval request data and transaction approval results are stored as sales history. And a control module 108 for controlling each component constituting the PC-type payment program.

Figure 3 is a complete flow chart of the functions provided through the PC-type payment program installed in the merchant computer according to the present invention, Figure 4 is displayed on the merchant computer constituting the card payment / sales management system using the Internet according to the present invention This is an exemplary screen.

The PC-type payment program installed in the merchant computer 100 transmits the transaction approval request data using the purchaser card to the VAN company server 130 through the Internet network 110 in the initialization state and receives the response by paying the transaction. Proceed. The goods supplier supplying the goods to the merchant issues a supplier collection card and replaces the collection card information read from the merchant computer 100 with the merchant information during the payment transaction through the Internet payment management server 120, corresponding card company server 140 The system is operated in such a way as to request a transaction approval. At this time, the goods supplier issuing the supplier collection card and builds a collection card database and merchant database, if the collection card is input to the merchant computer 100, the collection card information is transferred to the merchant information to replace the card company server 140 Request the transaction approval and deliver the response.

In addition, the PC-type payment program has a database for updating and storing the transaction approval request data generated during the payment transaction and the transaction approval result therefor, and other applications installed in the merchant computer 100 with the data stored in the database. (Excel, Word, etc.) is configured to perform sales management function through Excel sort (Sort) of sales breakdown and inquiry by type. In addition, functions such as cash payment, additional functions, and encryption may be added.

3 and 4, the PC-type payment program according to the present invention, credit card authorization, cancellation, last cancellation, debit card authorization, cancellation, IC card credit transaction, electronic wallet, charging, collection card approval, cancellation, visit , Cash payment transaction function such as cash payment, sales management function, and other additional functions. Credit cards, debit cards and IC cards represent several types of buyer cards used by buyers for payment of goods.

The following describes the flow of some of the payment transactions and sales management functions provided by the PC-type payment program.

The credit card authorization function allows you to enter credit card, enter payment amount, enter installment months, display transaction approval request data (card number, payment amount, installment months, etc.), send transaction approval request data, receive transaction approval results, and print sales slips. , Payment completion display and so on.

To cancel the credit card, enter the credit card to be canceled, enter the transaction approval number, enter the cancellation amount, enter the installment months (can be canceled only if it is the same as the installment months in the sales document), enter the transaction approval date (the transaction approval date and The same can be canceled), transaction cancellation request data (cancellation card number, cancellation transaction amount, cancellation installment month, approval number, etc.), transaction cancellation request data transmission, receipt of cancellation approval results and sales slip, display of cancellation processing completed, approval The cancellation history (cancellation card number, cancellation transaction amount, cancellation payment month, authorization number, etc.) is displayed.

The function of canceling immediately before the credit card is made up of steps such as sending the data of the last cancellation request, receiving the last cancellation result, printing the sales slip, and displaying the cancellation processing completion.

Debit card authorization functions include debit card input, payment amount input, password input, transaction approval request data (card number and transaction amount, etc.), transaction approval request data transmission, transaction approval result reception and sales slip printing, payment approval completion indication, etc. It is made up of steps.

Debit card payment authorization cancellation (usually only on the same day) allows you to enter the debit card to cancel, enter the cancellation amount (can be processed only if it is the same as the transaction amount), enter the authorization number, send the cancellation request data, receive the cancellation request result Printing sales slip and debit card cancellation processing are completed.

The collection card approval function can be used to input the collection card of the goods supplier, the purchaser's credit card, the payment amount, the installment month input, the transaction approval request data (collection card number, purchase card number, payment amount, installment month, etc.), Transaction approval request data transmission, receiving the transaction approval result, sales slip printing, collection card payment approval completion indication and the like.

Collection card cancellation function is to enter the collection card to cancel, enter the credit card to cancel, enter the transaction approval number, enter the transaction approval date, enter the cancellation amount (enter the same amount as the transaction approval amount in the sales document), enter the installment months (sales slip Enter the same number of installment months), display transaction cancellation request data (cancellation card number, cancellation credit card number, cancellation amount, installment month, authorization number, etc.), send transaction cancellation request data, receive cancellation approval result and sales slip Printing, collection card cancellation processing completion indication and so on.

Collection card visit registration function consists of a collection card input, the collection of data collection information for the collection of visits to the collection card, receiving the approval data and the completion of the visit registration.

5 is a flowchart illustrating a card payment / sales management method using the Internet according to the present invention.

Referring to Figure 5, the card payment / sales management method using the Internet according to the present invention is a transaction approval request data including the collection card information, buyer card information, payment information input to the merchant computer 100 is generated by the Internet network ( Step (S100) is transmitted to the Internet payment management server 120 through the 110, the Internet payment management server 120 searches the collection card database to find the supplier history corresponding to the collection card information, search the merchant database Detecting merchant information according to the found supplier information, and replacing the collection card information in the transaction approval request data with merchant information (S110), and the Internet payment management server 120 replaced the collection card information with merchant information; Transmitting the transaction approval request data to the VAN company server 130 (S120), the buyer VAN company server 130 is included in the transaction approval request data delivered Reading the card information and transmitting the transaction approval request data to the card company server 140 which issued the buyer card of the buyer (S130 to S140), and the card company server 140 inquires the received buyer card information. Generating a transaction approval result of approval or rejection (S150), receiving a transaction approval result transmitted from the card company server 140 to the affiliate computer 100 (S160), and the affiliate computer 100 And outputting the transaction approval result returned in response to the transaction approval request data and the transaction approval request data on the sales slip, and storing the transaction approval results (S160 to S170).

The present invention may be modified in various ways without departing from the basic concept according to the needs of those skilled in the art.

As described above, according to the present invention, it is possible to reduce the cost of establishing a dedicated terminal and the cost of establishing an environment for approving a card transaction, and to conveniently perform two-way card payment in an environment in which a dedicated terminal fee (CMS, DDC, etc.) does not occur. Can organize total sales and sales management services.

In addition, according to the present invention, in the alternative operation of the MS card with the IC card, it is generally provided in the merchant, without the need to replace the MS card card lookup pre-provisioned at all merchants with a dedicated terminal for the IC card to reach a high price By applying commercially available IC card readers and PC-type payment programs that perform only the function of simply reading card data to internet-enabled merchant computers, the IC card operation environment can be easily constructed at the lowest possible cost at each merchant. Can be.

1 is an overall configuration of the card payment / sales management system using the Internet according to the present invention.

Figure 2 is a block diagram of a PC-type payment program installed in the merchant computer according to the present invention.

Figure 3 is an overall flow chart for the functions provided through the PC-type payment program installed in the merchant computer according to the present invention.

Figure 4 is an exemplary screen displayed on the merchant computer constituting the card payment / sales management system using the Internet according to the present invention.

5 is an overall flowchart of a card payment / sales management method using the Internet according to the present invention.

Explanation of symbols on main parts of drawing

100: merchant computer

100a: Card Reader for PC

100b: Thermal Printer

101: card interface

102: card payment module

103: Revenue Management Module

104: application interworking module

105: security module

106: internet connection module

107: database

108: control module

110: Internet network

120: Internet payment management server

130: value added network (VAN) server

140: card company server

*Definition of Terms*

PC-type payment program: A program to implement a financial infrastructure for card merchants that is installed on merchant computers connected to the Internet and performs payment transactions and sales management functions.

Collection Card: Normally, the card searcher, which is a dedicated terminal provided in the card merchant for card transactions, has a unique terminal number which is replaced with the merchant information for each terminal, and the merchant identification is made using this terminal number. In the present invention using a merchant computer, which is a general PC rather than a dedicated terminal, the collection card information recorded on the card is replaced with the merchant information and used as the merchant identifier.

Value Added Network (VAN) server: An online card inquiry company server that provides terminals to merchants under a contract with a card company and performs a card relay service for a fee of 200 to 60 won per case depending on the contract type. (KICC), Korea Financial Services Agency (KFTC), Korea Trade (KSVAN), Korea Mobile Payment Service (KMPS), KIS, CC Keven, Nice Information and Communications (NICE), etc.]

Claims (5)

A plurality of affiliated computer computers 100 and the Internet network 110 are coupled to the affiliated computer 100 to transmit transaction approval request data including affiliated store information, buyer card information, and payment information to the VAN company server 130. Internet payment management server 120 and the VAN company server 130 for relaying the transaction approval request data received from the Internet payment management server 120 to the card company server 140 of the card issuer, and the transaction approval request data In the system is configured to include the card company server 140 to query and transmit the transaction approval result accordingly, The merchant computer 100 coupled to the Internet payment management server 120 through the Internet network 110 is equipped with a PC card reader 100a for reading a card in a built-in or external form and at the same time the card for the PC. PC-type payment program built in software is installed to control the reader (100a), the PC-type payment program is the payment card information read from the PC card reader (100a) through the Internet network 110 and Transaction approval request data including payment card information and payment information input through the input means of the affiliated computer computer 100 is generated and transmitted to the Internet payment management server 120, and the transaction returned in response (return) Receive the approval result and perform the payment transaction that prints on the sales slip, and the transaction approval request data and the transaction details of the transaction approval result according to the payment transaction And configured to perform a sales management with sales after eventful history, The Internet payment management server 120 has a collection card database storing the collection card information of the goods supplier for the previously issued collection card and the merchant database storing the merchant information to update and manage the total sales for each merchant and collect collection card information Card payment / sales management system using the Internet, characterized in that configured to be transferred to the VAN server 130 by replacing the information. The method of claim 1, The PC card reader 100a reads card data from a purchaser card in the form of an MS card according to the international standard and inputs it to the merchant computer 100 and inputs the card reader from the IC card type according to the international standard. Card payment / sales management system using the Internet, characterized in that at least any one of the IC reader to receive the card data input to the merchant computer (100). The method of claim 1, The PC-type payment program installed in the affiliated computer 100, A card interface 101 which controls the PC card reader 100a to receive card data in accordance with international standards; Transaction approval request data using collection card information which is card data of a collection card used by a goods supplier, buyer card information which is card data of a buyer card used by a buyer, and payment information input through the input means of the affiliated computer 100 A card payment module 102 for generating a payment transaction for receiving a transaction approval result returned in response and outputting it on a sales slip; The transaction approval request data and the transaction approval result according to the payment transaction processed by the card payment module 102 are stored in the database 107 and then sales management is performed using the sales history and displayed according to a user command. Revenue management module 103; An application program interworking module 104 for interworking with other application programs installed and operated on the affiliated store computer 100 to sort or display the sales history stored in the database 107 according to a user input or display the information by type. ; A security module 105 for encrypting the transaction approval request data and transmitting the transaction approval request data to the internet network 110 through the internet connection module 106; An Internet interworking module 106 coupled to the Internet network 110 to transmit and receive data through the Internet network 110 without using a separate PSTN (public telephone network); The database 107 in which transaction approval request data and transaction approval results are stored as sales history; Card payment / sales management system using the Internet, characterized in that it comprises a; control module for controlling each component constituting the PC-type payment program. The method of claim 1, The PC-type payment program built in the merchant computer 100, At least during the payment transaction, credit card authorization / cancellation function, collection card authorization / cancellation function, and sales management function using transaction approval request data and transaction approval result generated according to payment transaction Card payment / sales management system using. A transaction approval request data including collection card information, buyer card information, and payment information inputted to the affiliate computer 100 is generated and transmitted to the Internet payment management server 120 through the Internet network 110 (S100); The Internet payment management server 120 searches the collection card database to find supplier details corresponding to the collection card information, and searches the merchant database to detect merchant information according to the found supplier information, and collects collection card information in the transaction approval request data. Substituting the affiliated store information (S110); Transmitting, by the Internet payment management server 120, transaction approval request data in which the collection card information is replaced with the merchant information to the VAN company server 130 (S120); The VAN company server 130 reads the buyer card information included in the transaction approval request data and transmits the transaction approval request data to the card company server 140 that issued the buyer card of the buyer (S130 to S140). ); Generating, by the card company server 140, the received purchaser card information by referring to the received purchaser card information (S150); Receiving the transaction approval result transmitted from the card company server 140 to the affiliated computer 100 (S160); And displaying, by the affiliate computer 100, the transaction approval result returned in response to the transaction approval request data and the transaction approval request data on the sales slip, and storing the transaction approval results (S160 to S170). Card payment / sales management method using the Internet.