KR20070075983A - System and method for the credit card payment by using a dummy-type near-range wireless communication device - Google Patents

Abstract

A system and a method for processing credit card payment by using a dummy type near-range wireless communicator are provided to enable a credit card member shop to provide various services by detecting credit card information stored in an IC chip embedded in a mobile terminal or a smart card through the dummy type near-range wireless communicator. The dummy or non-intelligent type near-range wireless communicator(100) includes embedded software for a basic near-range wireless communication interface, and does not include a processor, a RAM, and application software. The mobile terminal or the smart card(200) is equipped with the IC chip storing the credit card information including a post payment card, a prepaid card, a gift card, a check card, and a debit card, and transceives data with the near-range wireless communicator. A member shop PC or PC-type POS(Point Of Sale) system(300) is connected to the network such as the Internet and/or the PSTN(Public Switched Telephone Network), and includes the dummy type near-range wireless communicator.

Description

System and Method for the Credit Card Payment by using a Dummy-type Near-range Wireless Communication Device}

1 is a simple diagram of a credit card payment system using a dummy short-range wireless access device.

2 is a simple block diagram of a PC or PC type POS of a credit card merchant.

3 is a simple flowchart illustrating a process of providing a credit card payment method using a dummy short-range wireless access device.

<Description of main parts of drawing>

100: dummy short-range wireless access device 200: mobile phone or smart card

300: Merchant's PC or PC type POS 400: Card payment inquiry machine (CAT)

310: card information interface 320: credit card payment interface

330: network interface 340: application interface

350: peripheral interface

The present invention relates to a credit card payment method and system using a dummy short-range wireless access device, and more particularly, by providing a dummy short-range wireless access device in a PC or PC-type POS of a credit card merchant, In order to purchase a product or service and pay the price with a card, if the mobile phone or smart card equipped with the ICC is close to the short-range wireless access device, the credit card information recorded in the ICC is transmitted to the PC or the PC type POS. For payment processing, create a full credit card transaction approval request from a PC or PC-type POS, and connect the text with a card van company server or a credit card company server via a communication network or card payment inquiry machine such as an internet and / or a public telephone network. Credit card payment method and system using dummy short-range wireless access device to transmit and receive credit card It's about system.

Credit card payments, including postpaid cards, prepaid cards, gift cards, check cards, and debit cards, acquire card information from credit card members whose merchants have purchased goods or services, and receive credit card transaction approval requests from payment terminals. The card is generated and transmitted to a credit card company that issued the card through a network such as a card VAN, and the server of the credit card company provides an authorization response to the payment terminal of the affiliated store to make a payment. Most of these credit cards are postpaid payments, which are paid in about one month, and are more convenient and safer than carrying cash, and are used for payments online, such as Internet shopping, in an information society that is changing and developing rapidly. Since it is easy to do, it has become a necessity in the daily life of modern people as a simple payment method that can replace the cash in the wallet.

Meanwhile, according to the development and dissemination of wireless communication service and IT technology, the popularization of mobile phones and the commercialization of intelligent mobile phones have been made so that various additional services can be provided to mobile phone users. Currently, mobile communication providers issue subscriber (Identifier Identify Module) chips, UIM (User Identify Module) chips, and USIM (Universal Subscriber Identify Module) chips to users in the form of ICC for user authentication and roaming functions. In addition, the bank can securely record personal financial information, including bank account information, credit card information, and accredited certificates, on the ICC mounted inside the mobile phone. An intelligent short-range wireless service that provides a mobile banking service that allows you to make a deposit inquiry or deposit transfer through an alliance cooperation between a mobile carrier and a bank, or a mobile carrier that is specially developed for a card payment inquiry service of some credit card merchants. Connect and install a connection device to retrieve the credit card number from the ICC of the mobile phone A limited number of credit cards are provided with a pilot service that accepts credit card payments.

In addition, international credit card companies such as Visa International issue smart card-type credit cards with ICC that can send and receive data to and from the near field wireless access unit. Proximity-type credit card payment standard specifications at the card payment inquiries, for example, under the name of "Visa Wave", have been announced for commercialization.

However, the intelligent short-range wireless access device, which is installed in a card payment inquiry center of a credit card merchant, centered on a mobile carrier, has a specially developed application for processing a short-range wireless connection by using a self-operating unit (CPU), a RAM, and a specific method. Since the software is installed, the price of the device itself is relatively high, the type and type of credit card medium that can be used on the device may be intentionally limited, and the application software related to the short-range wireless connection built into the device may be modified or changed. In order to download and install by hand using a laptop computer, it requires a lot of money and time, and credit card merchants add their own membership, discount coupons, mileage / points, tickets, and gift certificates in a short-range wireless connection environment. Providing additional loyalty services to the device There is a problem that is difficult.

In addition, the card payment inquiry machine equipped with the intelligent short-range wireless access device complying with the standard specification such as Visa Visa of Visa International is relatively expensive for the same reason as above, and merchants can provide additional services in the short-range wireless access environment. It is difficult to add and provide, and there is a problem in that the card payment inquiry machine itself used in the credit card merchant must be replaced.

Credit card payment method and system using a dummy short-range wireless access device according to the present invention for solving the above problems, by utilizing as it is without the need to replace the PC and card payment group or PC-type POS of the credit card merchant Credit card merchants can connect a common and relatively inexpensive dummy or non-intelligent short-range wireless access device to a PC or PC-type POS, and install application software related to short-range wireless access to a PC to use for credit card payment. In the wireless access environment, various additional services, including loyalty services such as membership, discount coupon, mileage / points, tickets, and gift certificates, can be added and added to payment terminals such as PC or PC type POS relatively easily. To modify or change application software related to short-range wireless access in the terminal It is an object of the present invention to provide a credit card payment method and system that can be easily downloaded and installed through a connected wired or wireless communication network.

The present invention for achieving the above object is a credit card payment system using a dummy short-range wireless access device, except that the built-in software for basic communication interface for short-range wireless access is provided in the form included in the ROM Dummy or non-intelligent short range wireless access devices that do not contain their own separate computing device, RAM, and application software, and postpaid card, prepaid card, gift card, check card, and debit card with merchant payment function. The dummy type is connected to a mobile phone or a smart card which is equipped with an ICC in which credit card information is included and can transmit and receive data to and from a short range wireless access device, and a communication network such as the Internet and / or a public telephone network (PSTN). Including PC or PC type POS of credit card merchant equipped with short range wireless access device Provide a credit card payment system using a pile-type short range wireless access.

In the credit card payment system using the dummy short-range wireless access device according to the present invention, the PC or PC-type POS, the card information interface for receiving credit card information through the dummy short-range wireless access device provided, and credit A credit card payment interface for generating a credit card transaction approval request message for processing of a card payment, a network interface for sending and receiving a credit card transaction approval request message and an authorization response message with a card van server or a credit card company server through a connected network; And an application interface for exchanging credit card payment data with application software for sales settlement and aggregation of merchants, and a peripheral device interface for transmitting and receiving data with a magnetic stripe card reader and a credit card slip printer. Do.

In addition, in the credit card payment system using a dummy short-range wireless access device according to the present invention, is connected to the peripheral interface of the PC or PC-type POS, instead of the role of a magnetic stripe card reader and a credit card slip printer A credit card generated by a credit card payment interface on behalf of the network interface when the PC or PC-type POS is not connected to the communication network or is temporarily inactive due to being connected to a communication network such as the Internet and / or a public telephone network. It is preferable to further include a card payment manufacturer (CAT) for receiving the full transaction approval request to the card VAN company server or credit card company server to relay the transmission and transmission of the credit card transaction approval request full text and authorization response.

In addition, in a credit card payment system using a dummy short-range wireless access device according to the present invention, the credit card information, debit card, prepaid card, gift card, check card, debit card, etc. including a general financial payment function; In addition, it is preferable to include at least one information such as a traffic card, a wired / wireless telephone card, a card type gift certificate, a mileage card, a bonus card, and a membership card that do not include a general financial settlement function.

In addition, in the credit card payment system using a dummy short-range wireless access device according to the present invention, the dummy short-range wireless access device, Infra Red communication interface, Bluetooth communication interface, Wi-Fi communication interface, no It supports at least one of short-range wireless communication methods such as a LAN communication interface, an RF (Radio Frequency) communication interface, and a near field communication (NFC) communication interface to connect with a mobile phone or a smart card that is in proximity to the outside. It is preferable that the credit card information is made.

In addition, the present invention is a credit card payment method using a dummy short-range wireless access device, (1) a credit card member to purchase goods or services at the merchant and pay for the card, merchants to use a mobile phone or smart card of the merchant Proximity to a dummy short-range wireless access device provided in a PC or PC-type POS, which is a payment terminal, and (2) the card payment interface is recorded in an ICC mounted on a mobile phone or a smart card through the dummy short-range wireless access device. Receiving the received credit card information, (3) generating a full credit card transaction approval request message according to the credit card information received from the credit card payment interface and the payment information entered in the POS, and (4) the Internet and / Alternatively, the credit card transaction approval request and approval response message are transmitted to the card van server or credit card company server through a communication network such as a public telephone network. Subjects provides a step and, (5) a credit card transaction credit card payment method using a pile-type short range wireless access point comprises the step of outputting a document in the credit card slip printer connected to the peripheral interface for the acknowledgment response.

In the credit card settlement method using a dummy short-range wireless access device, the step (4) includes (4-1) receiving a full credit card transaction approval request from a network interface, and (4-2) a PC or a PC. Transmitting a full credit card transaction approval request to a card van server or a credit card company server through a communication network such as the Internet and / or a public telephone network connected to a type POS; and (4-3) the credit card company server sends the credit card account information. Processing a credit card transaction approval request based on the basis of the transaction; (4-4) generating a credit card transaction approval response message from the credit card company server; and (4-5) credit card transaction approval response message from the credit card company server. Transmitting the data to the network interface of a PC or PC type POS through a communication network such as the Internet and / or a public telephone network; Preferably, the method further includes delivering to the toiletry interface.

In addition, in the credit card payment method using a dummy short-range wireless access device, the step (4), when the PC or PC-type POS is not connected to a communication network, such as the Internet and / or a public telephone network, or is temporarily unavailable (4-1 *) a card payment inquiry device connected to a peripheral interface of a PC or PC-type POS to receive a full credit card transaction approval request, and (4-2 *) the Internet and / or the public connected to the card payment inquiry device. Transmitting a full credit card transaction approval request to a card van server or a credit card company server through a communication network such as a telephone network; and (4-3) the credit card company server requests a credit card transaction approval request based on credit card account information. (4-4) the credit card company server generating the full credit card transaction approval response; and (4-5 *) the credit card company server providing the credit card transaction approval response message to the Internet and / or a public telephone. The method may further include transmitting the credit card transaction response message to the application interface and the peripheral interface through the transmission of the credit card transaction response message to the card payment inquiry machine through a communication network such as a network.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simple diagram of a credit card payment system using a dummy short-range wireless access device as an embodiment of the present invention.

The dummy short-range wireless access device 100 does not include its own separate computing device, RAM, and application software except that the built-in software for basic communication interface for short-range wireless connection is included in the form of ROM. This is a relatively inexpensive short-range wireless connection device that is connected to a general PC through a USB (Universal Serial Bus) or a serial port and is operated by executing application software including a driver program for driving a device installed in the PC. do.

The mobile phone or smart card 200 is equipped with an ICC in which credit card information is recorded, including a postpaid card, a prepaid card, a gift card, a check card, and a debit card having a merchant payment function. Data may be exchanged with a wireless access device through a short range wireless communication method such as an infrared communication interface, a Bluetooth communication interface, a Wi-Fi communication interface, a WLAN communication interface, an RF communication interface, or an NFC communication interface.

Merchant's PC or PC-type POS 300 is connected to a communication network such as the Internet and / or a public telephone network, and the payment for customer management, sales settlement and accounting of a credit card merchant equipped with the dummy short-range wireless access device. As a terminal, various application softwares are installed and used in a general PC according to the environment of the merchant, and a magnetic stripe card reader, a credit card slip printer, a cash box, and a card payment inquiry machine (CAT ) And the like.

The card payment inquiry machine 400 is a general payment terminal used by a small and medium-sized credit card merchant for credit card payment. The card payment inquiry machine 400 includes a money input key, a magnetic stripe card reader, a credit card slip printer, and a communication circuit and module. It is an integrated terminal that includes and is connected to a communication network such as the Internet and / or a public telephone network. In some cases, it may be connected to the merchant's PC or PC-type POS by a communication cable to replace the role of a magnetic stripe card reader and a credit card voucher printer for the POS, and the POS may not be connected to the communication network or may be In this case, the card VAN server or the credit card company server to send and receive the full credit card transaction approval request and authorization response messages can be relayed.

Figure 2 is a simple block diagram of a PC or PC-type POS of a credit card merchant as one preferred embodiment of the present invention.

The card information interface 310 receives credit card information from a mobile phone or a smart card in proximity through a dummy short-range wireless access device provided as application software including a driver program for driving a short-range wireless access device. The credit card payment interface 320 is a kind of application software installed in the POS. The credit card transaction approval request is generated in accordance with the credit card information and the payment information entered in the POS for processing of the credit card. The card is sent to the interface or the card payment inquiry machine that is connected. The network interface 330 is composed of ADSL or PSTN modem and communication software, and transmits and receives a credit card transaction approval request message and an authorization response message to a card van server or credit card company server through a communication network such as the Internet and / or a public telephone network. . The application interface 340 receives payment information input to the POS from the application software for sales settlement and aggregation of the merchant and transfers it to the credit card settlement interface. In order to calculate and count, the peripheral device interface 350 transmits and receives data with a magnetic stripe card reader and a credit card slip printer or a card payment inquiry device connected thereto.

3 is a simple flowchart illustrating a process of providing a credit card payment method using a dummy short-range wireless access device according to an embodiment of the present invention.

When a credit card member purchases goods or services at a merchant and pays with a card, when a mobile phone or a smart card is placed close to a dummy short-range wireless access device provided in a PC or a PC type POS, the payment terminal of the merchant (S100) ), The card payment interface in the POS is executed to receive the credit card information recorded in the ICC mounted on the mobile phone or the smart card through the dummy short-range wireless access device (S110) and transfer the credit card payment interface to the credit card payment interface. The credit card payment interface generates a full credit card transaction approval request based on the received credit card information and the payment information entered in the POS (S120) and delivers it to the network interface, or the PC or PC-type POS is connected to the Internet and / or a public telephone network. If it is not connected to the communication network or is in a temporarily disabled state, it is transmitted to the connected card payment inquiry machine. If the credit card transaction authorization request is sent to the card VAN server or the credit card company server through a connected network such as the Internet and / or a public telephone network (S130 and S135), the credit card company server is based on the credit card account information. Process the transaction approval request and generate the full credit card transaction approval response (S140, S145). The credit card company server transmits a credit card transaction approval response message to a PC or a network interface (S150) or a card payment inquiry machine (S155) through a communication network such as the Internet and / or a public telephone network. In response to the received credit card transaction approval response, the slip is output from the credit card slip printer provided in the POS or the card payment inquiry machine (S160).

According to the present invention, by using the PC or card payment interrogator or PC-type POS of the credit card merchant as it is, without replacing the dummy or non-intelligent short-range wireless access device connected to the PC or PC-type POS, intelligent short-range The price of the device itself is relatively lower than that of the wireless access device. In order to modify or change the application software related to the short-range wireless connection inside the device, it is not necessary to manually download and install it manually using a laptop computer. It can be downloaded and installed easily through wired / wireless communication network, saving cost and time, and various additional services including loyalty service such as membership, discount coupon, mileage / points, tickets, and gift certificates, etc. Relatively easy to add It has the advantage that it can provide over.

Claims (8)

A credit card payment system using a dummy short-range wireless access device, Dummy or non-intelligent short-range wireless access device that does not include a separate computing device, RAM, and application software, except that internal software for basic communication interface for short-range wireless connection is included in the form included in ROM. Wow, A mobile phone or smart phone equipped with an ICC that records credit card information including postpaid card, prepaid card, gift card, check card, and debit card that has a merchant payment function, and can transmit and receive data with a short-range wireless access device. Cards, PC or PC-type POS of a credit card merchant that is connected to a communication network such as the Internet and / or a public telephone network and is equipped with the dummy short-range wireless access device. Credit card payment system using a dummy short-range wireless access device comprising a. The method of claim 1, The PC or PC type POS, A card information interface for receiving credit card information through a dummy short-range wireless access device, A credit card payment interface that generates a full credit card transaction authorization request for processing credit card payments, A network interface for transmitting and receiving a credit card transaction approval request message and an authorization response message with a card van server or a credit card company server through a connected communication network; Application interface for sending and receiving application software and credit card payment data for sales settlement and aggregation of merchants, Peripheral interface for transmitting and receiving data with the magnetic stripe card reader and credit card voucher printer Credit card payment system using a dummy short-range wireless access device that further comprises. The method of claim 1, It is connected to the peripheral interface of the PC or PC-type POS, and can take the role of a magnetic stripe card reader and a credit card slip printer, If the PC or PC-type POS is not connected to the communication network or is in a disabled state because it is connected to a communication network such as the Internet and / or a public telephone network, the credit card transaction approval request generated by the credit card payment interface on behalf of the network interface Card payment interrogator that can receive and receive and send and receive full credit card transaction approval request and approval response message with card VAN company server or credit card company server Credit card payment system using a dummy short-range wireless access device that further comprises. The method of claim 1, The credit card information, Postpay cards, prepaid cards, gift cards, check cards, and debit cards, including common financial payment functions, Information such as transportation cards, wired / wireless phone cards, card vouchers, mileage cards, bonus cards, and membership cards that do not include common financial settlement functions. Credit card payment system using a dummy short-range wireless access device comprising at least one or more. The method of claim 1, The dummy short-range wireless connection device, Infra Red communication interface; Bluetooth communication interface; Wifi communication interface; A wireless LAN (LAN) communication interface; RF (Radio Frequency) communication interface; And Near Field Communication (NFC) communication interface Sending and receiving credit card information by connecting to a mobile phone or smart card that is in close proximity by supporting at least one of short-range wireless communication methods Credit card payment system using a dummy short-range wireless access device characterized in that the. A credit card payment method using a dummy short-range wireless access device, (1) In order to allow a credit card member to purchase goods or services at a merchant and pay the price with a card, a mobile phone or smart card is placed close to a dummy short-range wireless access device provided in a PC or a PC type POS that is a payment terminal of the merchant. Making a step, (2) the card payment interface receiving the credit card information recorded in the ICC mounted on the mobile phone or the smart card through the dummy short-range wireless access device; (3) generating a full credit card transaction approval request message according to the credit card information received from the credit card payment interface and the payment information entered in the application software for sales settlement and aggregation of the merchant; (4) transmitting and receiving a credit card transaction approval request and an authorization response message with a card van company server or credit card company server through a communication network such as the Internet and / or a public telephone network; (5) printing the document in the credit card document printer connected to the peripheral interface for the credit card transaction approval response; Credit card payment method using a dummy short-range wireless access device comprising a. The method of claim 6, The step (4), (4-1) the network interface receiving the full credit card transaction approval request; (4-2) transmitting the full credit card transaction approval request to the card VAN company server or the credit card company server through a communication network such as the Internet and / or a public telephone network connected to a PC or PC type POS; (4-3) the credit card company server processing the credit card transaction approval request based on the credit card account information; (4-4) the credit card company server generating a full credit card transaction approval response message; (4-5) the credit card company server transmitting the full credit card transaction approval response message through a communication network such as the Internet and / or a public telephone network to a network interface of a PC or PC type POS; (4-6) the network interface forwarding the credit card transaction response message to the application interface and the peripheral interface Credit card payment method using a dummy short-range wireless access device further comprising. The method of claim 6, The step (4), If the PC or PC-type POS is not connected to a communication network such as the Internet and / or a public telephone network, or is in a temporary state, (4-1 *) receiving a full credit card transaction approval request from a card payment inquiry device connected to a peripheral interface of a PC or PC type POS; (4-2 *) transmitting the full credit card transaction approval request to the card van company server or the credit card company server through a communication network such as the Internet and / or a public telephone network connected to the card settlement inquiry machine; (4-3) the credit card company server processing the credit card transaction approval request based on the credit card account information; (4-4) the credit card company server generating a full credit card transaction approval response message; (4-5 *) the credit card company server transmitting the entire credit card transaction approval response message to the card payment inquiry machine through a communication network such as the Internet and / or a public telephone network; (4-6 *) The card payment checker transmits the credit card transaction response message to the application interface and the peripheral device interface. Credit card payment method using a dummy short-range wireless access device further comprising.

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