KR20090110227A - Credit card payment system if the communication charge are accounting, which isn't at a member store - Google Patents

Abstract

PURPOSE: A credit card payment system without charging the communication fee to a member store is provided to offer a credit card payment service without paying the communication fee due to credit card payment for a member store. CONSTITUTION: A credit card payment system without charging the communication fee to a member store comprises a credit card inquiring apparatus, a telephone office switcher, a van corporation server, and a credit card company server. The credit card inquiring apparatus(100) produces the credit card payment approval request information in the credit authorization request in which it uses the credit card from a buyer the credit card franchise is equipped the read of the credit card member information of a buyer and price for goods are input. The transmission of the credit card payment approval request information is requested the pre-stored van corporation connection telephone number is used. The telephone office switcher(200) controls the credit card payment approval request information. The van corporation server(300) relays and transmits the credit card payment approval request information with reference to the credit card payment approval request information transmitted from the credit card inquiring apparatus with the corresponding credit card company server.

Description

Credit card payment system if the communication charge are accounting, which isn't at a member store}

The present invention pays the communication fee required for the payment of the credit card at the installation company of the credit card inquiry machine (receiver-only card terminal) installed on the credit card merchant side, and the loss according to the credit card inquiry machine (receiver-only card). By conserving from the installation cost of the terminal), the credit card merchant can provide the credit card payment service without the economic pressure of the communication fee due to the credit payment, and the credit card merchant that guarantees more transparent tax revenue to the government party. The present invention relates to a credit card payment system and a method in which a communication fee is not charged when the card is approved.

In general, credit card payment, which is a method of payment after purchase of a product, is a payment method that replaces cash during a commerce transaction between a seller and a buyer, and provides a convenience for the purchaser to make a payment later for the purchase of the product. .

Moreover, since the purchase details of the purchases of the goods purchased by the buyer are databased, the government is actively encouraging due to the advantage that the tax revenue can be secured, and credit card payment is accepted at most stores throughout the industry (hereinafter referred to as credit card merchants). Providing.

1 is a block diagram showing a conventional credit card payment system.

As shown, a conventional credit card payment system includes a credit card checker 10, a telephone company switchboard 20, a general-purpose backbone network operator server 30, a van (VAN) server 40 and a credit card company. It is comprised by the server 50.

In order to perform the credit settlement approval process using the conventional credit card settlement system, when a purchaser requests to perform credit settlement of a purchase item using a credit card, the credit card merchant side uses a credit card inquiry machine 10. Read the purchaser's credit card member information and enter the price of the item.

The credit card inquiry machine 10 generates a credit card payment approval request information including pre-stored merchant information along with input credit card member information and goods price, and then the bansa server having a pre-stored bansa access telephone number. As a result, a call connection signal is generated requesting the transmission of credit card payment authorization request information.

At this time, the merchant information pre-stored in the credit card inquiry machine 10 includes the general purpose network operator ID information. Here, the general ID network operator ID information included in the merchant information includes a credit card inquiry machine among general purpose network operators such as KT, SK, Onse, Dacom, Hanaro, etc. 10) Identification information of the relevant network operator contracted by the merchant at the time of installation.

The telephone station switch 20 searches for the general backbone network operator ID information included in the call connection signal by referring to the generated call connection signal, and refers to the general backbone network operator server group 30 among the general backbone network operator ID server. Recognizing the corresponding universal backbone network operator server matching the retrieved universal backbone network operator ID information, and using the recognized universal backbone network operator server (for example, KT) to guide the use of the communication channel according to the credit settlement (transmission of merchant information); In addition, by connecting to the bansa server 40 having the bansa access phone number included in the call connection signal to control the credit card payment approval request information is transmitted.

The general-purpose backbone network service provider server group 30 is a server operated by a backbone telecom service provider that leases telegraph, telephone (city, intercity, international) and telecommunication lines, and includes KT, SK, Onse, Dacom, Hanaro, and the like.

When the general-purpose backbone network operator server receives the guidance of using the communication channel from the telephone exchange center 20, the credit card is charged with the communication fee per case (per call), which is the communication fee according to the use of the communication channel. Accumulate in the cumulative communication fee information DB of the merchant.

The bansa server 40 identifies which card company with reference to credit card member information among the transmitted credit card payment authorization request information, and approves the credit card payment to the credit card company server 50 which is a server managed by the corresponding card company. Relay request information.

The credit card company server 50 reads the credit card payment authorization request information relayed and transmits the credit card payment authorization information to determine the credit card payment approval to the bansa server 40, the bansa server 40 credit card Relay transmission to the inquiry machine (10).

The credit card inquiry machine 10 completes the credit card payment approval by the relayed credit card payment approval information.

However, the conventional credit card payment system provides convenience for use to the buyer and secures tax revenue for the government, but the seller, which is the main agent for providing credit payment, has a problem in using a communication fee when performing credit settlement. have.

Here, the communication fee to be paid is a communication fee per case to be paid each time a credit settlement is performed, and the amount is 39 won.

As such, the reason that the communication fee per case according to the credit is expensive is because the use time of the communication channel is long. That is, as mentioned above, the number of general-purpose backbone network operators based on the use of communication channels contracted at the establishment of the credit card checker 10 at the affiliated store is not only at least five places including KT, SK, Onse, Dacom and Hanaro, but also nationwide. This is because it takes 15 to 20 seconds to process all the credit requests sent from numerous credit card merchants scattered around the country.

For this reason, the more credit card payments are used as payments in credit card merchants, the more accumulated credit-related communication charges increase exponentially, acting as a factor that causes financial burden on credit card merchants. Moreover, if the price of goods sold is a small amount of a few thousand won, the sales profit is very low, so the credit card merchant stores the communication charge per call resulting from the credit settlement to the economic pressure.

As a result, credit card franchisees have a dismissal that induces buyers to make cash payments, which leads to the closure of credit card payments that have been offered.

In addition, since the telephone exchange exchange 20 must process each credit settlement request transmitted from numerous credit card merchants scattered around the country at the same time, it occurs even when the guidance of using a communication channel is misdirected to another universal backbone network operator server. As a result, the error rate due to credit card payment is also increasing.

The present invention is to solve the problems of the prior art, an object of the present invention is the installation of a credit card inquiry machine (receiver-only card terminal) installed on the credit card merchant side of the communication fee required for payment By paying in, the credit card merchant does not take any communication charges for credit payment, so it can provide credit card payment service without any financial pressure even for a few credit card payments of several thousand won. In addition to guaranteeing more transparent tax revenues for the government, the credit card checker vendor is responsible for the cost of installing the credit card checker (receivable card terminal). Credit card that does not charge the communication fee when paying the card approval to the holding credit card merchant To provide a system.

At this time, in order to minimize the cost of paying the communication fee on the credit card merchant side, the installation company of the credit card inquiry machine (receiver-only card terminal) is required to collect the carriers for the charge of the communication charges incurred by the use of the communication channel. Designated as an installation company of (Recipient-only card terminal), the installation company of credit card inquiry system (receiver-only card terminal) enables payment of communication charges, and the installation company of credit card inquiry system (receiver-only card terminal). By using the communication fee per hour, which is the time it takes to perform credit card payment, the telephone company exchange processes five credit request requests sent from numerous credit card merchants scattered around the country at the same time. The credit card inquiry machine is not searched without searching the general-purpose backbone network servers. Since it is notified to the installation company of (Receiver-only card terminal), it reduces the search time of the general purpose backbone network operator, and the communication fee is charged when the card is approved for credit card merchants, which reduces the communication fee by the shortened time. To provide a credit card payment system that does not.

At the same time, the telephone exchange exchange does not search the servers of the general-purpose backbone network service which consists of five or more credit card requests from numerous credit card merchants scattered throughout the country. Because it is guided to the installation company of the terminal), it is possible to prevent the misguided to other general purpose network operator server in advance, so that the communication fee is charged to the credit card merchant where the error rate according to the credit card settlement is removed. To provide a credit card payment system that does not.

As a technical idea for achieving the present invention, the credit card payment system that does not charge the communication fee when the card approval payment to the credit card merchant of the present invention is a terminal installed in the credit card merchant, when a credit request using the credit card from the buyer, Read the purchaser's credit card member information and input the goods price, generate the credit card payment approval request information including the credit card member information and the goods price and the merchant information already stored, and then store the pre-stored Bansa access number. A credit card inquiry machine (receiver-only card terminal) for generating a call connection signal requesting transmission of credit card payment authorization request information by using; By referring to the call connection signal generated from the credit card inquiry machine (receiver-only card terminal), it connects to the corresponding bansa server having the bansa access telephone number included in the call connection signal so that the credit card payment approval request information is transmitted. A telephone station switch for charging a communication fee per call in addition to the control box; Bansa server for relaying the credit card payment authorization request information to the credit card company server with reference to the credit card payment authorization request information transmitted from the credit card inquiry machine (receiver-only card terminal); And generating credit card payment approval information for determining credit card payment approval by reading the credit card payment approval request information relayed from the bansa server, and controlling the transmission to be relayed to a credit card inquiry machine (receiver-only card terminal). A credit card settlement system comprising a credit card company server, comprising: a single-terminal network operator server that pays the billed communication fee every time a request is made for the communication fee per phone from the telephone exchange. Credit card payment approval request information generated in the toll-only card terminal) includes an exclusive backbone network operator ID information identifying the sole backbone network operator server, and the telephone station exchanger is the credit card inquiry machine (receiver-only card terminal). ID number of sole backbone network in call connection signal If it is confirmed that the included control immediately so that the communication fee per case to the sole network operator server.

The communication fee per case uses a communication fee per use time which is a time required to perform a credit card payment.

The usage hourly communication fee is a communication fee system sold by the telephone office switchboard, and is purchased and used by the sole backbone network operator server.

The bansa access telephone number uses a toll-free access approval telephone number.

The communication path usage time according to the credit settlement, which is set as the communication fee per use time, is 7 to 10 seconds.

As described above, the credit card payment method using the credit card payment system that does not charge the communication fee when the card approval payment to the credit card affiliated store of the present invention is used as a single carrier network ID used as an identification means when collecting a communication fee according to the credit card payment. Installing a credit card inquiry machine (receiver-only card terminal) in which information is stored in advance in a credit card affiliate store; Requesting a credit card payment by a buyer at a credit card affiliated store where a credit card inquiry machine (a receiver-only card terminal) in which an exclusive backbone network operator ID information is stored is installed; In response to the credit card payment request, a credit card inquiry machine (receiver-only card terminal) reads the purchaser's credit card member information and receives the goods price. Generating credit card payment approval request information including the main network operator ID information; Generating a call connection signal for requesting transmission of credit card payment approval request information by using a pre-stored bansa access telephone number in the credit card inquiry device (receiver-only card terminal); The telephone exchange exchange refers to the generated call connection signal, connects to the corresponding bansa server having the bansa access telephone number, transmits the credit card payment approval request information, and confirms the sole backbone network operator ID information included in the call connection signal. Immediately charging a communication fee per case required for the payment of a credit card to an exclusive server network server; Receiving credit card payment approval request information from the credit card inquiry machine (receiver-only card terminal) and relaying the information to the corresponding credit card company server with reference to the transmitted credit card payment approval request information; Read the credit card payment authorization request information relayed from the bansa server to generate credit card payment authorization information to determine the credit card payment approval, and relayed to a credit card inquiry machine (receiver-only card terminal) to transfer the credit card Completing the payment step.

The present invention pays the communication fee for the payment of the credit card by the installation company of the credit card inquiry machine (receiver-only card terminal) installed on the credit card merchant side. It doesn't cost any money, so it can provide credit card payment service without any financial pressure even for a few credit card payments of a few thousand won. (Receiver-only card terminal) Sellers compensate for the loss incurred by paying the communication fee for the payment of credit card by installing the credit card inquiry device (receiver-only card terminal). And profits for both credit card checker (receiver-only card terminal) installers Exert.

In addition, in order to minimize the cost of paying the communication charges on the credit card merchant side, the installation company of the credit card inquiry machine (receiver-only card terminal) is required to collect the companies that collect the charges for the use of the communication channel. Designated as an installation company of (Recipient-only card terminal), the installation company of credit card inquiry system (receiver-only card terminal) enables payment of communication charges, and the installation company of credit card inquiry system (receiver-only card terminal). By using the communication fee per hour, which is the time it takes to perform credit card payment, the telephone company exchange processes five credit request requests sent from numerous credit card merchants scattered around the country at the same time. Instead of searching for the general-purpose backbone network servers, the credit card checker ( Toll-only card terminal) is guided to the installation company to reduce the search time of the general-purpose backbone network operators, it is also effective to significantly reduce the communication fee by the shortened time.

In addition, when the telephone exchange exchange processes each credit settlement request transmitted from numerous credit card merchants scattered around the country at the same time, it does not search for the servers of the general-purpose backbone network consisting of five or more, and it is a credit card inquiry machine (receiver-only card terminal). Since it is guided to the installation company of), it is possible to prevent the misguided to other general purpose network operator server in advance, which also has the effect of eliminating the error rate caused by credit card payment according to this part.

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the embodiment of the present invention will be described in detail.

2 is a block diagram illustrating a credit card payment system in which a communication fee is not charged when the card is authorized to a credit card affiliate store of the present invention.

As shown, the credit card payment system that does not charge the communication fee when the card authorization payment to the credit card merchant of the present invention is a credit card inquiry machine (receiver-only card terminal) (100), telephone exchange (200), bansa server 300, a credit card company server 400 and a single backbone network operator server 500 are provided.

First, a credit card inquiry machine (receiver-only card terminal) 100 is a terminal installed in a credit card merchant, and when a buyer requests a credit payment using a credit card, the buyer reads the credit card member information of the buyer and inputs a product price. A call requesting the transmission of the credit card payment authorization request information using the stored Bansa access number after generating the credit card payment authorization request information including the credit card member information and the goods price and the previously registered merchant information. Generate a connection signal.

Here, the bansa access telephone numbers use toll-free access approval telephone numbers such as 080, 050, 060 and 070.

The telephone station exchanger 200 refers to a call connection signal generated from the credit card inquiry machine (receiver-only card terminal) 100, and has a corresponding bansa server having a bansa access telephone number included in the call connection signal ( 300) and control that the credit card payment authorization request information is transmitted and confirm that the call connection signal includes the sole backbone network operator ID information, and communicates to the sole backbone network operator server 500 immediately without a separate search process. Since the bill is charged, it reduces the use time of the communication channel according to the credit settlement.

The bansa server 300 relays the credit card payment approval request information to the credit card company server 400 with reference to the credit card payment approval request information transmitted from the credit card inquiry machine (receiver-only card terminal) 100. Perform the function of sending.

The credit card company server 400 reads the credit card payment approval request information relayed from the Bansa server 300 to generate credit card payment approval information for determining the credit card payment approval, and the credit card inquiry machine (only for the receiver) Card terminal) to control the relay transmission.

The single backbone network operator server 500 is a server managed by a company that installs a credit card inquiry machine (receiver-only card terminal) 100. At this time, a credit card inquiry machine (receiver-only card terminal) 100 installed by a company managing a single backbone network operator server 500, KT, SK, Onse, Dacom, a company that collects communication charges according to the use of a communication channel And a single backbone network operator server managed by a company that installs a credit card lookup machine (receiver-only card terminal) 100 instead of pre-stored general backbone network operator ID information for identifying servers of companies managed by Hanaro et al. The single-terminal network provider ID information, which is the identification information of 500, is stored in advance, and the telephone exchange switch 200 provides the communication funds for credit settlement to the single-term network provider server 500.

For this reason, communication charges incurred each time a credit settlement is performed in a credit card merchant that has a credit card inquiry machine (receiver-only card terminal) 100 installed by a company managing a single backbone network operator server 500 is provided to the corresponding credit card merchant. Instead of being charged, the communication fee is charged to a company that manages a single backbone network operator server 500 in which the corresponding credit card inquiry machine (receiver-only card terminal) 100 is installed.

In the case of the communication fee per case having a communication fee system, a company managing a single backbone network operator server 500 pays a credit card payment without using the existing communication fee per call to drastically lower the cost. Use the communication fee per hour, which is the time it takes to perform.

This, when the telephone exchange switch 200 confirms that the call connection signal includes the sole backbone network operator ID information, because it charges the communication fee per case directly to the sole backbone network operator server 500 without a separate search process, KT, SK, Onse As a result, the searching time required to search the servers of the general backbone network operators identifying the servers of companies managed by Dacom and Hanaro et al. Is shortened, resulting in a shortening of 7 to 10 seconds.

For this reason, a communication cost lower than the communication fee per case is paid by paying the usage fee within 10 seconds in the communication path use time.

Moreover, the communication fee per hour used is a communication fee system sold by the company (KT) managing the telephone exchange center 200, and sold at 39 won per three minutes.

For this reason, it takes less than 2.2 won when converting the fee to 10 seconds, which is the time required to perform credit card payment, so even if the credit card merchant performs 100 credit card payments a day, it costs 220 won. The following low rates are required.

Accordingly, a credit card merchant that has installed a credit card inquiry machine (receiver-only card terminal) 100 in a company managing an independent backbone network operator server 500 does not require any communication charges due to credit settlement, and thus costs about several thousand won. The credit card payment service can be provided without any economic pressure even for a small amount of credit card payment, which contributes to securing more transparent tax revenues to the government and, in addition, the company managing the single backbone network operator server 500 in the credit card merchant store. Provides a credit card payment system system that benefits everyone by recovering the loss from the cost of installing a credit card checker (receiver-only card terminal) 100 at a very low communication fee for performing a credit card payment. .

At this time, the installation cost, which is the cost of installing the credit card inquiry machine (receiver-only card terminal) 100, is the selling cost or credit card inquiry machine incurred when the credit card inquiry machine (receiver-only card terminal) 100 is sold. (Recipient-only card terminal) (100) means any one of the rental costs incurred at the time of lease.

Hereinafter, a description will be given of a step of performing a credit settlement using a credit card settlement system in which a communication fee is not charged to a credit card affiliated store of the present invention.

3 is a flowchart illustrating a step of performing a credit settlement using a credit card settlement system in which a communication fee is not charged to a credit card affiliated store of the present invention.

As shown, the process of performing a credit payment using a credit card payment system that does not charge the communication fee when the card approval payment to the credit card merchant of the present invention, the company that manages the sole backbone network operator server 500 Goods are stored in a state where a credit card inquiry machine (receiver-only card terminal) 100, in which a single backbone network operator ID information is used, is used as an identification means when collecting a communication fee according to a credit card payment. Sell.

At the credit card merchant that is equipped with a credit card inquiry device (receiver-only card terminal) 100 that does not require payment of a communication fee when paying a credit card, a buyer requests a payment using a credit card as a payment method when purchasing a product (S20). ), The credit card merchant reads the purchaser's credit card member information recorded on the submitted credit card using a credit card inquiry device (receiver-only card terminal) 100, and inputs an item price.

The credit card inquiry machine (receiver-only card terminal) 100 generates credit card payment approval request information including pre-stored merchant information and single network operator ID information together with the input credit card member information and goods price (S30). do.

Thereafter, the credit card inquiry machine (receiver-only card terminal) 100 generates a call connection signal requesting the transmission of the credit card payment approval request information using the pre-stored Bansa access phone number (S40).

Telephone station exchanger 200 refers to the call connection signal generated by the credit card inquiry machine (receiver-only card terminal) 100, connected to the corresponding bansa server having a bansa access phone number included in the call connection signal credit card Send payment approval request information. In this case, the bansa access telephone number may use a toll-free access authorization number such as 080.

The telephone exchange exchange 200 charges a communication fee per case required for payment of a credit card to a single main network operator server 500 immediately after checking the single main network operator ID information included in the call connection signal (S50). Is a communication fee per hour used, which is the time it takes to perform a credit card payment.

This is a general purpose for identifying the servers of companies managed by KT, SK, Onse, Dacom, Hanaro, etc., which have been previously performed when the telephone exchange switch 200 confirms that the information contained in the call connection signal includes the sole backbone network operator ID information. Since the search time required to match the backbone network operator servers is omitted, the communication cost is reduced accordingly when charged with the communication fee per use time.

To this end, the charging of the communication fee according to the credit card payment (S50) from the telephone company exchange 200 to the sole network operator server 500 is completed from the request of the credit card payment after the credit settlement is completed (S80) which will be described later Check the communication channel usage time according to the credit settlement until the payment is made, and charge for the communication channel usage time (about 7 to 10 seconds).

At this time, the communication fee per hour is a communication fee system sold by the company (KT) that manages the telephone exchange (200), and can be purchased at a low cost of 39 won per three minutes, which is much higher than the conventional communication fee of 39 won per case. It is possible to pay the communication cost at low cost.

Bansa server 300 receives the credit card payment approval request information from the credit card inquiry machine (receiver-only card terminal) 100, and relays the transmission to the corresponding credit card company server with reference to the transmitted credit card payment authorization request information. (S60).

The credit card company server 400 reads the credit card payment approval request information relayed from the bansa server 300 to generate credit card payment approval information for determining the credit card payment approval, and the credit card inquiry machine (only for the receiver) Card terminal) 100 to complete the credit card payment by relay transmission (S70).

1 is a block diagram showing a conventional credit card payment system,

2 is a block diagram showing a credit card payment system in which a communication fee is not charged when the card is authorized to a credit card merchant of the present invention;

3 is a flowchart illustrating a step of performing a credit settlement using a credit card settlement system in which a communication fee is not charged to a credit card affiliated store of the present invention.

<Code Description of Main Parts of Drawing>

10,100: credit card checker 20,200: telephone exchange

30: general purpose network operator server group 40,300: Bansa server

50,400: Credit card company server 500: Exclusive backbone network operator server

Claims (10)

As a terminal installed in a credit card merchant, when a buyer requests a credit payment using a credit card, the buyer receives the purchaser's credit card member information and the price of the goods, and stores the previously registered merchant information along with the credit card member information and the price of the goods. After generating the credit card payment authorization request information including credit card inquiry (receiver-only card terminal) generating a call connection signal requesting the transmission of the credit card payment authorization request information using the pre-stored Bansa access phone number ( 100); With reference to the call connection signal generated from the credit card inquiry device (receiver-only card terminal) 100, by connecting to the bansa server 300 having the bansa access phone number included in the call connection signal credit card payment A telephone station exchanger 200 that controls the approval request information to be transmitted and charges a communication fee per case; Bansa server 300 for relaying the credit card payment authorization request information to the credit card company server 400 with reference to the credit card payment authorization request information transmitted from the credit card inquiry machine (receiver-only card terminal) (100). ); And generating credit card payment approval information for determining credit card payment approval by reading the credit card payment approval request information relayed from the bansa server 300 and receiving the credit card payment device (receiver-only card terminal) (100). In the credit card payment system consisting of a credit card company server 400 for controlling to be relayed to, Whenever there is a charge for the communication fee per case from the telephone exchange center 200 includes a single main network operator server 500 to perform the payment of the communication fee per case, The credit card payment approval request information generated by the credit card inquiry machine (receiver-only card terminal) 100 includes a single backbone network operator ID information for identifying the single backbone network operator server 500. When the telephone station switch 200 confirms that the call connection signal generated from the credit card inquiry machine (receiver-only card terminal) 100 includes the sole backbone network operator ID information, it immediately returns to the sole backbone network operator server 500. A credit card payment system in which a communication fee is not charged when a credit card merchant is authorized to charge a communication fee per case. The method according to claim 1, The communication fee per case is a credit card payment system in which the communication fee is not charged when the card approval payment to the credit card merchant, characterized in that the time required to perform the credit card payment. The method according to claim 2, The communication hourly charge is a communication fee system sold by the telephone exchange (200), and the communication fee is charged when the credit card merchant pays the credit card affiliated store, which is purchased and used by the server company 500. Credit card payment system. The method according to any one of claims 1 to 3, The bansa access telephone number is a credit card payment system that does not charge the communication fee when the card approval payment to the credit card merchant, characterized in that the toll-free access authorization number. The method according to claim 4, The credit card payment system that does not charge the communication fee when the card approval payment to the credit card merchant, characterized in that the communication channel using time according to the credit payment is set as the communication time per use time. Installing a credit card inquiry machine (receiver-only card terminal) in which a single backbone network operator ID information is used as an identification means when collecting a communication fee according to a credit card payment (S10); Requesting a credit card payment by a buyer at a credit card affiliated store where a credit card inquiry device (a receiver-only card terminal) in which an exclusive backbone network operator ID information is pre-stored is installed (S20); In response to the credit card payment request, a credit card inquiry machine (receiver-only card terminal) reads the purchaser's credit card member information and receives the goods price. Generating credit card payment approval request information including the main network operator ID information (S30); Generating a call connection signal for requesting transmission of credit card payment approval request information by using a pre-stored bansa access telephone number in the credit card inquiry device (receiver burden dedicated card terminal) (S40); The telephone exchange exchange refers to the generated call connection signal, connects to the corresponding bansa server having the bansa access telephone number, transmits the credit card payment approval request information, and confirms the sole backbone network operator ID information included in the call connection signal. Immediately after the charge of the communication fee per case required for the credit card payment to the sole network operator server (S50); Receiving the credit card payment approval request information from the credit card inquiry machine (receiver-only card terminal) and relaying the information to the corresponding credit card company server with reference to the transmitted credit card payment approval request information (S60); Read the credit card payment authorization request information relayed from the bansa server to generate credit card payment authorization information to determine the credit card payment approval, and relayed to a credit card inquiry machine (receiver-only card terminal) to transfer the credit card Completing the payment step (S70); Credit card payment method that does not charge the communication fee when the card approval payment to the credit card merchant, characterized in that consisting of. The method according to claim 6, The communication fee per case is a credit card payment method in which the communication fee is not charged when the card approval payment to the credit card merchant, characterized in that the time required to perform the credit card payment. The method of claim 7, wherein The communication hourly charge is a communication fee system sold by the telephone exchange, and the credit card payment method does not charge the communication fee when the card approval payment to the credit card merchant, characterized in that the purchase of the sole network operator server. The method according to any one of claims 6 to 8, The bansa access telephone number is a credit card payment method, the credit card payment method that does not charge the communication fee when the card approval payment to the credit card merchant, characterized in that the toll-free access number. The method of claim 9, The credit card payment method that the communication fee is not charged to the credit card merchants when the approval of the card, characterized in that 7 ~ 10 seconds according to the credit settlement is set as the communication fee per hour.

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