KR20120007369A - Card settlement system for providing off-line card payment - Google Patents

Card settlement system for providing off-line card payment Download PDF

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Publication number
KR20120007369A
KR20120007369A KR1020100068100A KR20100068100A KR20120007369A KR 20120007369 A KR20120007369 A KR 20120007369A KR 1020100068100 A KR1020100068100 A KR 1020100068100A KR 20100068100 A KR20100068100 A KR 20100068100A KR 20120007369 A KR20120007369 A KR 20120007369A
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South Korea
Prior art keywords
card
offline
transaction
payment
information
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KR1020100068100A
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Korean (ko)
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조현준
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조현준
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Priority to KR1020100068100A priority Critical patent/KR20120007369A/en
Publication of KR20120007369A publication Critical patent/KR20120007369A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a card payment system supporting offline card transactions, in the case of a small payment at the time of the postpay card payment card payment terminal does not immediately perform an online card transaction procedure to request the card transaction approval to the card company server, the card payment terminal is a small amount By accumulating payment information and performing an offline card transaction procedure that requests the purchase of a batch later, it is possible to reduce the communication cost incurred by the card company during the card transaction approval process.

Description

Card settlement system for providing off-line card payment

The present invention relates to a card payment technology, and more particularly to a card payment system that supports offline card transactions.

For transactions of postpaid cards such as credit cards, payment information including card information and payment request amount is generally sent from the card payment terminal to the card company server, and the card company server approves payment if the payment request amount is within the approval limit of the corresponding postpaid card. Process the payment approval information to the card payment terminal.

Such a conventional card approval technology requires communication between a card payment terminal and a card company server in real time every time a credit card transaction is carried out, and communication costs are usually borne by a card company and a merchant, and are set per approval regardless of the amount of the payment amount. Is paid to. On the other hand, the merchant's margin is proportional to the payment amount, so the commission paid to the card company is also proportional to the payment amount.

Recently, as deferred credit cards spread to small-scale transactions such as convenience stores, the cost of communication costs per credit card company was constant while the commission payment per credit card company declined. Therefore, the present inventors have studied the card payment technology that can reduce the communication cost borne by the card company in the card transaction approval process.

The present invention has been invented under the above-mentioned purpose, and in the case of a small payment at the time of a postpaid card payment, the card payment terminal accumulated the small payment information without performing an online card transaction procedure that immediately requests a card transaction approval to the card company server. It is an object of the present invention to provide a card payment system that supports offline card transactions that can reduce the communication costs borne by card companies in the card transaction approval process by performing an offline card transaction procedure for requesting a collective purchase later.

According to an aspect of the present invention for achieving the above object, the postpaid card receives payment information including the payment request amount from the card payment terminal, and the payment request amount and offline transaction limit amount included in the received payment information In comparison, the offline card transaction approval information or the offline card transaction rejection information may be transmitted to the card payment terminal according to the comparison result.

According to another aspect of the present invention, the card payment terminal transmits the payment information including the payment request amount to the deferred card, and processes the offline card transaction in response to receiving the offline card transaction approval information from the deferred card. And storing the batch purchase request information of the offline card transaction information accumulated during a specific period of time to the card company server.

In the present invention, when a small payment is made at the time of a postpaid card payment, the card payment terminal does not immediately perform an online card transaction procedure for requesting a card transaction approval to the card company server, and the card payment terminal accumulates the small payment information. By carrying out the procedure, it has a useful effect of reducing the communication costs borne by the card company in the card transaction approval process.

1 is a block diagram illustrating an embodiment of a postpaid card processing module mounted on a postpaid card of a card payment system supporting offline card transactions according to the present invention.
2 is a flowchart illustrating an example of an offline card transaction processing operation of the postpaid card processing module illustrated in FIG. 1.
3 is a block diagram illustrating an embodiment of a card payment terminal processing module mounted on a card payment terminal of a card payment system supporting offline card transactions according to the present invention.
4 is a flowchart illustrating an example of an offline card transaction processing operation of the card payment terminal processing module shown in FIG. 3.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted if it is determined that the detailed description of the embodiments of the present invention may unnecessarily obscure the gist of the present invention.

The terms used throughout the present specification are terms defined in consideration of functions in the embodiments of the present invention, and may be sufficiently modified according to the intention, custom, etc. of the user or operator, and the definitions of these terms are used throughout the specification. It should be made based on the contents.

The term "offline card transaction" used throughout the specification of the present invention does not perform an online card transaction procedure in which a card payment terminal immediately requests a card transaction approval to a card company server when a payment is made using a postpaid card, and the card payment terminal provides a micro payment information. It means that the card transaction that accumulates the funds and requests the purchase of the bulk later,

1 is a block diagram illustrating an embodiment of a postpaid card processing module mounted on a postpaid card of a card payment system supporting offline card transactions according to the present invention. The postpaid card processing module mounted on the postpaid card 100 may be implemented in a form of hardware or software or a combination of the two. The payment information receiving unit 110, the price comparing unit 120, and the offline card transaction approval processing unit 130 may be used. It includes.

The payment information receiving unit 110 receives payment information including a payment request amount from the card payment terminal 200. When a customer who purchases a product or service at a card merchant presents a postpaid card for payment, the card information is recognized by the card payment terminal 200 and a payment request amount is input.

In the related art, an online card transaction procedure in which payment information including card information and a payment request amount is immediately transmitted to a card company server and approved for a card transaction is performed. However, the invention according to this embodiment satisfies the offline card transaction conditions. In order to check whether the card payment terminal 200 first transmits the payment information including the payment request amount to the postpaid card 100, the postpaid card 100 through the payment information receiving unit 110 card payment terminal 200 Receive payment information including the payment request amount sent from.

The amount comparison unit 120 compares the payment request amount included in the payment information received by the payment information receiving unit 110 with the offline transaction limit amount. At this time, if the offline transaction limit amount is a small payment when using a postpaid card, the card payment terminal accumulated the small amount of payment information without performing the online card transaction procedure that the card payment terminal immediately requests the card transaction approval from the card company server. This is the limit amount that satisfies the conditions of the offline card transaction that requests the bulk purchase.

The offline card transaction approval processor 130 transmits the offline card transaction approval information or the offline card transaction rejection information to the card payment terminal 200 according to the comparison result by the amount comparison unit 120.

For example, the offline card transaction approval processing unit 130 transmits the offline card transaction approval information to the card payment terminal 200 when the payment request amount is less than the offline transaction limit amount, and the payment request amount exceeds the offline transaction limit amount. In the case, the offline card transaction rejection information is transmitted to the card payment terminal 200.

When the card payment terminal 200 receives the offline card transaction approval information, the card payment terminal accumulates and stores the small amount of payment information. Then, when the card payment terminal 200 receives the offline card transaction rejection information, and then receives the offline card transaction rejection information as in the prior art, The payment information including the card information and the payment request amount is transmitted to the card company server to perform an online card transaction procedure for requesting approval for the postpaid card transaction. The card payment terminal 200 will be described in detail later.

By doing so, the present invention does not perform an online card transaction procedure in which a card payment terminal immediately requests a card transaction to a card company server when a small payment is made at the time of a postpaid card payment, and the card payment terminal accumulates a small amount of payment information. By performing the offline card transaction process, it is possible to reduce the communication costs borne by the card company in the card transaction approval process.

Meanwhile, according to an additional aspect of the present invention, the offline transaction limit amount is a first offline transaction limit amount, which is a limit amount for performing offline card transactions at a time, and an amount for which offline card transaction is restricted by a card company. 2 may include an offline transaction limit amount.

For example, the second offline transaction limit amount may be any one of a residual amount of money for which a predetermined amount of money has been subtracted from an approved offline settlement amount from a total use limit amount or a total offline transaction limit amount.

In this case, when the offline card transaction approval processing unit 130 compares the amount comparison unit 120, and the settlement request amount is less than the first offline transaction limit amount and the second offline transaction limit amount, the offline card transaction approval information. Is transmitted to the card payment terminal 200, and if the payment request amount exceeds any one of the first offline transaction limit amount and the second offline transaction limit amount, the offline card transaction rejection information is transmitted to the card payment terminal 200. Can be implemented.

By doing so, the card company can restrict the execution of offline card transactions through the adjustment of the second offline transaction limit amount, thereby limiting the offline card transactions of postpaid cards registered on the blacklist, such as a risk of accident or lost credit cards. have.

Referring to FIG. 2, the offline card transaction processing operation of the postpaid card processing module shown in FIG. 1 will be briefly described. 2 is a flowchart illustrating an example of an offline card transaction processing operation of the postpaid card processing module illustrated in FIG. 1.

When a customer who purchases a product or service at a card merchant presents a postpaid card for payment, the card information is recognized by the card payment terminal 200 and a payment request amount is input. Then, the card payment terminal 200 transmits the payment information including the payment request amount to the postpaid card 100 to check whether the offline card transaction conditions are satisfied.

In operation S110, the postpaid card processing module mounted on the postpaid card 100 receives payment information including a payment request amount from the card payment terminal 200. In operation S120, the postpaid card processing module mounted on the postpaid card 100 compares the payment request amount included in the received payment information with the offline transaction limit amount.

At this time, if the offline transaction limit amount is a small payment when using the card, the card payment terminal accumulates the micro payment information without performing the online card transaction procedure that the card payment terminal immediately requests the card transaction approval from the card company server. The limit amount that satisfies the conditions of offline card transaction requesting purchase.

As a result of the comparison of step S120, when the payment request amount is less than the offline transaction limit amount, the postpaid card processing module mounted on the postpaid card 100 transmits the offline card transaction approval information to the card payment terminal 200 in step S130.

As a result of the comparison of the step S120, if the payment request amount exceeds the offline transaction limit amount, the postpaid card processing module mounted on the postpaid card 100 transmits the offline card transaction rejection information to the card payment terminal 200 in step S140. do.

Then, the card payment terminal 200 accumulates and stores the small amount of payment information when the offline card transaction approval information is received, and then performs the offline card transaction procedure for requesting the bulk purchase, and when the offline card transaction rejection information is received, As shown in FIG. 2, payment information including card information and payment request amount is transmitted to a card company server to perform an online card transaction procedure for requesting approval of a card transaction.

By doing so, the present invention does not perform an online card transaction procedure in which a card payment terminal immediately requests a card transaction to a card company server when a small payment is made at the time of a postpaid card payment, and the card payment terminal accumulates a small amount of payment information. By performing an offline card transaction procedure, it is possible to reduce the communication cost borne by the card company in the card transaction approval process, thereby achieving the above object of the present invention.

3 is a block diagram illustrating an embodiment of a card payment terminal processing module mounted on a card payment terminal of a card payment system supporting offline card transactions according to the present invention. The card payment terminal processing module mounted on the card payment terminal 200 is implemented in hardware or software or a combination thereof, and the payment information transmitting unit 210, the offline card transaction processing unit 220, and offline card transaction information. The storage unit 230 and a batch embedding processing unit 240 is included.

The payment information transmitting unit 210 transmits payment information including the payment request amount to the deferred card 100. After receiving payment information including the payment request amount transmitted by the payment information transmitting unit 210, the postpaid card 100 transmits the offline card transaction approval information or the offline card transaction rejection information through the above-described process.

The offline card transaction processing unit 220 accumulates a small amount of payment information according to the reception of the offline card transaction approval information from the postpaid card 100, and then processes the offline card transaction requesting a bulk purchase.

The offline card transaction information storage unit 230 stores the offline card transaction information processed by the offline card transaction processing unit 220. Offline card transaction information processed by the offline card transaction processing unit 220 is accumulated and stored by the offline card transaction information storage unit 230 for a specific period.

The batch purchase processing unit 240 transmits the batch purchase request information of the offline card transaction information accumulated for a specific period by the offline card transaction information storage unit 230 to a card company server.

The card company server (not shown in the drawing) receiving the batch purchase request information of the offline card transaction information accumulated for a specific period processes the purchase for the offline card transaction accumulated for the specific period.

Therefore, in this case, when a small payment is made at the time of a postpaid card payment, the card payment terminal does not immediately perform an online card transaction procedure for requesting a card transaction approval to the card company server, and the card payment terminal accumulates the small payment information. By performing the card transaction process, it is possible to reduce the communication costs incurred by the card company in the card transaction approval process.

Meanwhile, according to an additional aspect of the present invention, the card payment terminal 200 further includes an online card transaction processing unit 250. When the online card transaction processing unit 250 receives the offline card transaction rejection information from the postpaid card 100, the payment information including the card information and the payment request amount is transmitted to the card company server as in the related art. Perform an online card transaction process requesting authorization.

Meanwhile, according to an additional aspect of the present invention, the card payment terminal 200 may further include a validity determination unit 260. The validity determination unit 260 determines the validity of the postpaid card 100.

For example, if the validity determining unit 260 processes the offline card transaction or the online card transaction by the offline card transaction processing unit 220 or the online card transaction processing unit 250, is the postpaid card 100 a blacklisted card? Whether the card company server or the intermediary server (not shown in the drawing) between the card company server and the card payment terminal or query from the self-stored blacklist database to determine the validity of the postpaid card 100, according to the validity determination result The offline card transaction processing unit 220 or the online card transaction processing unit 250 may approve an offline card transaction or an online card transaction processing.

If the postpaid card 100 corresponds to a black list during offline card transaction or online card transaction processing, the validity determination unit 260 notifies the offline card transaction processing unit 220 or the online card transaction processing unit 250. The card transaction may be rejected, the offline transaction limit adjustment unit 270 will be described later to adjust the offline transaction limit amount, or the card theft monitoring system (not shown in the drawing) of the police station together with the card payment terminal location information. It can also be implemented to notify.

When storing the blacklist in the mediation server or the card payment terminal, a time difference may occur between the blacklist update period and the card company server registration time according to the blacklist update period. If the offline card transaction approval information is received from the postpaid card corresponding to the black list, it may be processed as an offline card transaction.

According to an additional aspect of the present invention, even if the validity determination unit 260 receives the offline card transaction approval information from the postpaid card in order to minimize the risk, if a certain condition is met, offline card transaction The processing unit 220 may control the processing of the online card transaction in the online card transaction processing unit 250 without performing the offline card transaction processing. An example of the predetermined condition is when the number of offline card payments in the card payment terminal occurs a specific time in a row.

According to an additional aspect of the present invention, in order to minimize the risk due to the time difference between blacklist entry time, separate identification codes are stored in a card payment terminal having a short blacklist update period and a card payment terminal having a long blacklist update period. When the payment information transmitting unit 210 of the card payment terminal transmits payment information to a postpaid card, the identification code may be included and transmitted.

In this case, the second off-line transaction limit amount is separately configured for each of the division codes, and when a specific division code is received from the card payment terminal, the second offline transaction limit amount corresponding to the division code is second offline. It may be applied as a transaction limit.

On the other hand, according to an additional aspect of the present invention, the card payment terminal 200 may further include an offline transaction limit amount adjustment unit 270. The offline transaction limit adjustment unit 270 adjusts the offline transaction limit amount of the postpaid card 100.

For example, through the offline transaction limit adjustment unit 270, the first offline transaction limit amount, which is the limit amount to perform offline card transactions at one time, and the second offline transaction limit value, which is the amount by which the card company is restricted from performing offline card transaction, You can adjust the amount.

In this way, through the offline transaction limit adjustment unit 270, the card company can limit the execution of offline card transactions through the adjustment of the first offline transaction limit amount and the second offline transaction limit amount. Offline card transactions of postpaid cards registered in a blacklist, etc. can be restricted.

When the card purchase terminal 200 transmits the batch purchase request information of the offline card transaction information to the card company server, the card company server performs the purchase process for the offline card transactions according to the batch purchase request information, and the predetermined offline transaction limit amount. The restoration message is transmitted to the card payment terminal 200.

The card payment terminal 200 receiving the offline transaction limit amount restoration full message from the card company server transmits the offline transaction limit amount restoration full sentence through the offline transaction limit amount adjustment unit 270 to the postpaid card 100 to limit the second offline transaction. It may be implemented so that the amount is restored.

For example, the postpaid card 100 receiving the offline transaction limit value restoration full message from the card payment terminal 200 restores the second offline transaction limit amount in a predetermined manner. For example, the postpaid card 100 may be implemented to restore the second offline transaction limit amount by deleting the approved offline card transaction amount and initializing the second offline transaction limit amount. Alternatively, the postpaid card 100 may be implemented to restore the second offline transaction limit amount by increasing the second offline limit amount by a predetermined amount.

Referring to FIG. 4, the offline card transaction processing operation of the card payment terminal processing module shown in FIG. 3 will be briefly described. 4 is a flowchart illustrating an example of an offline card transaction processing operation of the card payment terminal processing module shown in FIG. 3.

When a customer who purchases a product or service at a card merchant presents a postpaid card for payment, the card information is recognized by the card payment terminal 200 and a payment request amount is input.

Then, the card payment terminal processing module mounted on the card payment terminal 200 transmits the payment information including the payment request amount to the postpaid card 100 in step S210.

When offline card transaction approval information is received from the postpaid card 100 through the process as described above, the card payment terminal processing module mounted on the card payment terminal 200 processes the offline card transaction in step S220, and the offline card. Store transaction information.

If offline card transaction information is accumulated for a specific period by the step S220, the card payment terminal processing module mounted on the card payment terminal 200 uses the card company to collect the bulk purchase request information of the offline card transaction information accumulated for the specific period in step S230. Send to server.

The card company server that receives the batch purchase request information of the offline card transaction information accumulated for a specific period processes the purchase of the offline card transaction accumulated for the specific period.

Therefore, in this case, when a small payment is made at the time of a postpaid card payment, the card payment terminal does not immediately perform an online card transaction procedure for requesting a card transaction approval to the card company server, and the card payment terminal accumulates the small payment information. By performing the card transaction process, it is possible to reduce the communication cost borne by the card company in the card transaction approval process, thereby achieving the object of the present invention described above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. .

The present invention can be used industrially in the field of card payment technology and its application.

100: Postpay Card
110: payment information receiving unit
120: amount comparison
130: offline card transaction approval processing unit
200: card payment terminal
210: payment information transmission unit
220: offline card transaction processing unit
230: offline card transaction information storage unit
240: batch purchase processing unit
250: online card transaction processing unit
260: validity judgment unit
270: Offline transaction limit adjustment unit

Claims (6)

A payment information receiver configured to receive payment information including a payment request amount from a card payment terminal;
An amount comparison unit comparing the payment request amount included in the payment information received by the payment information receiving unit with the offline transaction limit amount;
An offline card transaction approval processing unit for transmitting offline card transaction approval information or offline card transaction rejection information to a card payment terminal according to the comparison result by the amount comparison unit;
Card payment system that supports offline card transactions, characterized in that it comprises a postpaid card including. The method of claim 1,
The offline transaction limit is:
Support offline card transactions, including a first offline transaction limit amount, which is a limit amount for performing offline card transactions at a time, and a second offline transaction limit amount, an amount for which offline card transactions are restricted by a card company. Card payment system. A payment information transmission unit for transmitting payment information including a payment request amount to a postpaid card;
An offline card transaction processing unit for processing offline card transactions in response to receiving offline card transaction authorization information from a postpaid card;
An offline card transaction information storage unit for storing offline card transaction information processed by the offline card transaction processing unit;
A batch purchase processing unit for transmitting batch purchase request information of offline card transaction information accumulated during a specific period by the offline card transaction information storage unit to a card company server;
Card payment system that supports offline card transactions comprising a card payment terminal comprising. The method of claim 3, wherein
The card payment terminal:
In response to receiving offline card transaction rejection information from the postpaid card, the online card transaction processing unit transmits payment information including the card information and the payment request amount to the card company server and performs an online card transaction process requesting approval for the postpaid card transaction. ;
Card payment system that supports offline card transactions, characterized in that it further comprises. The method of claim 3, wherein
The card payment terminal:
An offline transaction limit amount adjustment unit for adjusting an offline transaction limit amount of the postpaid card;
Card payment system that supports offline card transactions, characterized in that it further comprises. The method of claim 3, wherein
The card payment system supporting the offline card transaction:
A card company server for receiving batch purchase request information of offline card transaction information accumulated for a specific period from a card payment terminal and processing a purchase for offline card transactions;
Card payment system that supports offline card transactions, characterized in that it further comprises.
KR1020100068100A 2010-07-14 2010-07-14 Card settlement system for providing off-line card payment KR20120007369A (en)

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Application Number Priority Date Filing Date Title
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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101316686B1 (en) * 2012-03-08 2013-10-10 주식회사 한국스마트카드 Card terminal, method for offline payment used card terminal
CN103617532A (en) * 2013-12-16 2014-03-05 杭州信雅达科技有限公司 Offline payment and collection method and device for mobile terminals

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101316686B1 (en) * 2012-03-08 2013-10-10 주식회사 한국스마트카드 Card terminal, method for offline payment used card terminal
CN103617532A (en) * 2013-12-16 2014-03-05 杭州信雅达科技有限公司 Offline payment and collection method and device for mobile terminals

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