TW200409050A - Portable relay device and settlement system using the same - Google Patents

Abstract

A portable relay device and settlement system using the same enables a customer to settle his or her payment at his or her position without moving to a credit settlement station. The potable relay device includes a card reader for reading card information from a magnetic card, a payment information transceiver for transmitting and receiving card information in the form of an infrared (Ir) signal or RF signal, a memory for storing the card information received from the payment information transceiver and the payment information read from the card reader, a key manipulator having a plurality of button for reception and transmission of card information, a controller for controlling each operation of the components entirely according to a manipulation of buttons in the key manipulator, and a display displaying an operational state on the screen. The portable relay device is fabricated in portable or movable size. The card information is temporarily stored and the stored card information is output one time to a credit card inquiry machine or a POS (point of sales) in the form of an Ir signal or RF signal according to a kind of a receiver attached to the credit card inquiry machine or POS. A settlement system using a portable relay device includes a relay base device connected to a POS by wire or wirelessly LAN, for receiving card information through communicating with or contacting the portable relay device in the form of an Ir signal or RF signal and transferring the received card information to the POS. As a result, in the case that a customer is distant from a credit settlement station as in gas stations, department stores and restaurants, the customer dose not need to move to the credit settlement station and can transfer the customer's card information to a credit settlement station via the portable relay device. Thus, the customers do not need to hand over their own credit card to clerks, and can settle the payment at their positions, to thereby provide an effect of preventing inconveniences in credit transactions and a misuse and illegal use of credit cards.

Description

200409050 V. Description of the invention (1) [Technical field to which the invention belongs] The present invention relates to a payment settlement system used in department stores, gas stations, restaurants and other places, especially a portable relay device and the use of the device Settlement system in which the customer's credit card information is relayed to a credit card settlement device remote from the customer in the form of infrared rays or an RF signal, such as a credit card inquiry machine or point of sale. And is conveniently performed without requiring the customer to move from his current location to the credit card settlement station. [Previous Technology] Nowadays, comparison of credit cards with cash is very convenient and easy to carry. Therefore, it is widely used as a settlement tool. Because most of the credit cards currently used are made of plastic materials and magnetic tapes, there are many inconveniences in using them. For example, credit card information recorded on the tape may be lost due to electrical, magnetic, or mechanical shock, or they may be physically damaged due to the card itself or other inappropriate use or illegal use when they are stolen or lost. Accordingly, the present invention provides a new settlement system in which card information is stored in a mobile terminal, such as a mobile phone, instead of a tape card, and the card information is transmitted as an optical signal to pay the fee. This particular content was previously described in an invention called "Optical Payment Transmitting and Receiving Device and Optical Settlement System Using One of the Devices" (Korean Patent Publication No. 2001-90485, October 18, 2001), the patent The case was filed by the same applicant as this case, and the detailed contents of the patent case will be omitted here.

Page 9 200409050 V. Description of the invention (2) 'A credit card inquiry machine is close to the customer, and a payment settlement device can be carried by the customer to use his portable payment device. However, in places such as department stores, gas stations, etc., where credit card access terminals are placed in fixed locations, and restaurants are divided into numerous rooms, it is inconvenient to use a payment device for settlement. Furthermore, because the clerk took the customer's credit card to the settlement location (point of sale terminal, Point Sale), and the point of sale terminal is far from the customer in the existing magnetic card payment system, The credit card may be used excessively or illegally. [Summary of the Invention] In order to solve the above-mentioned problem, “a solid object of the present invention is to provide a portable relay device and a settlement system using the device, which are made portable and easy to carry” for temporary storage. The customer's credit card information received in the form of infrared light or radio frequency signals, or read by the magnetic card and used the information once to complete the payment. Another object of the present invention is to provide a settlement system that uses the portable relay device itself, and allows the customer to use the portable relay device to pay its costs without having to move to another location or hand over the letter. The shop shell. In order to accomplish the above-mentioned object of the present invention, the present invention provides a portable: a device for transmitting a card of a payment terminal in an optical payment system > sheet information 'f use-optical signal or optical signal on a magnetic card According to the present invention, the portable relay device includes: a payment information transceiver for receiving payment information from the payment terminal and transmitting

200409050 V. Description of the invention (3) __ Information: Equipment ... The card reader is used to read and receive the payment by the magnetic card. The payment is temporarily stored by the payment information transceiver. The machine is read by the card reader and the card reader. Take the payment information; one-click the: Yi body ΐ: / -Control: device, used to control the stored value of $ # #Wai pay executive beard how to operate a button according to one of the button manipulator ^ size μ Settlement equipment, the controller is assembled into a portable and base base. The portable relay device further includes a relay room; the relay device is configured in the portable relay device and the base station. II of the settlement device; & Your land device receives payment information from the portable relay device and transfers the payment information to the settlement device so that the payment information can be relayed without moving to the settlement device . In Example 11: A settlement system, the system's use-portable relay device, company, station, restaurant, etc. are also provided. In these places-: ΓΓΠ; the computing equipment is quite far away. The settlement system includes: One payment-the result of the payment information received by the receiver: d: two connections: principle 1 to receive the transfer from the portable relay device. [Simplified illustration of the drawing] 〆 付 汗 人 贝 和Straight 2 Inspection Committee! You can further understand. The structure, characteristics, and purpose of the present invention are recorded with drawings and detailed descriptions of preferred embodiments, such as

Page 11 200409050 V. After the description of the invention (4): Figures 1 and 2 are schematic diagrams respectively showing the appearance and internal structure of a portable relay device according to a preferred embodiment of the present invention; Figure 3 And FIG. 4 is a schematic diagram showing the appearance and internal structure of the connection between the relay base device and the portable relay device according to a preferred embodiment of the present invention; FIG. 5 to FIG. 7 are schematic diagrams, which are shown in FIG. A department store using a point of sale uses a settlement system of a portable relay device according to the present invention, wherein FIG. 5 illustrates a case where only one portable relay device is used, and FIG. 6 illustrates the use of a portable relay device. Schematic diagram of the case of a relay device and a relay base device and using a wired LAN network connection 'and FIG. 7 describes the situation of using a portable relay device and a relay base device and using a wireless LAN connection. Fig. 7 ~ Fig. 8 to Fig. 10 are schematic diagrams showing a settlement system using a portable relay device according to the present invention at a gas station using a point of sale, wherein Fig. 8 describes using only Portable relay Figure 9 illustrates the use of a portable relay device and a relay base device and a wired ^ LAN connection, while Figure 10 describes the use of a sample 2 relay device and a medium. F ^ is not intended to follow the base device and use a wireless LAN connection; FIG. 11 is a schematic diagram showing a situation where a POS system is not used and only a portable relay device is used according to one of the present invention; You Take It Off-Schematic 'which shows the status of a camp scene, the labor scene

200409050 V. Description of the invention (5) The sadness is displayed on the display of a portable relay device. [Embodiment] Please refer to FIG. 1, which respectively shows the appearance and internal structure of a portable relay device according to a preferred embodiment of the present invention. As shown in the figure, the portable relay device 10 of the present invention is a portable terminal of one portable type or one chain type which is assembled in a portable movable size. The clerk is carrying it. The relay device includes a card reader 12 and a payment information transceiver 11 for payment information such as a customer's card number through a magnetic card exchange or with a payment terminal. Communication was received. The card reader 12 is usually provided on the right side of the relay device 丨 0 so that a store clerk holding the relay device 10 can simply insert a magnetic card and rub the card reader 2 with it. The payment information transceiver 1 丨 is provided on the front upper surface of the relay device 丨 0 so as to simply communicate with a customer's payment terminal or credit settlement machine. That is, one of the infrared light (丨 r) transceivers of the 'read payment information transceiver 11' is placed in a suitable position on the front upper surface of the relay device 10, and a radio frequency (RF) transceiver is built in The relay device 丨 〇. The relay device 10 in FIG. 1 includes a key manipulator 13 including a plurality of buttons arranged on it, a liquid crystal display (LCD) 5 and displaying the operation status on the screen according to the operation of the buttons. A power switch 4 is used to turn the power on or off. The internal composition of the portable relay device 丨 is shown in FIG. 2. The portable relay device 1 in FIG. 2 includes a card reader 2 for replacing a magnetic card and a payment information transceiver. 1 丨 It communicates with customers

Page 13 200409050 V. Description of the invention (6) A payment terminal communicates to receive credit card information and sends the credit card information to a credit card settlement machine, such as attached to a receiver or a credit card inquiry machine or will be described in one of the following One of the point of sale (P0S) of the relay base device 30. The payment information transceiver 11 includes an infrared light (ir) transceiver 1 12 and an RF transceiver 1 1 1 which are selectively used according to a communication method. The portable relay device 10 in FIG. 2 includes a connector 20 (connector), which is connected to the relay base device 3 (relay base device) in FIG. 3 and forwards the credit card information for one-click control. The device 1 3 has some buttons, such as a digital button for entering a customer's password, the amount of money, and the like. A power button and a reset button are used to initialize and clear a memory (memory). The memory is used to store the memory through the card reader 12 or the time f. Payment information transceiver 丨 The credit card information received is used as payment information. A display 5 shows different operation states according to the operation of the buttons. At the same time, the portable relay device in FIG. 2 includes a serial communication part i 9 for upgrading with an external program provider or source, and a controller 17 for completely controlling the above. Component ::; Ϊ = Export the credit card information of the customer stored in the memory 18-== self; the body 18 clears the credit card information corresponding to the rotation. Each =; should; power is required to run the portable relay device 1 of the 10 :; files, the source 16 is through a charger or through a minute 3 ^: 〇 ^ 200409050 V. Description of the invention (7) The information can be received by the person who communicates with the portable relay device 10 and connects to the receiver 30. The connector 32 is provided at the relay base contact. An electric power, Λ is connected to the portable type. The relay device 10 is firmly connected — * / the original (not shown) is provided under the connector 32, and the dream is to provide a wide-capacity relay device i 〇 It is required to make contact with the connector 32. Operation ^ Z :: The relay base device 30 in 3: includes a printer 35 for connection. Same month. FIG. 4 shows the internal node of the relay base device 30. The relay base device 30 includes a receiver 31 to communicate with the portable relay device held by the shop assistant to receive payment. Information: And the connector 32 is used to contact the portable relay device. The receiver 31 includes a receiver 311 and a receiver 3, 12 according to a communication method. The relay base device 3 in Λ4 includes a command switch 33 for communicating card payment to a point of sale or a checkout station, and an interface 34 having a wired interface (I / F ) 341 and a wireless interface device 3 4 2, wherein the interface with the point of sale is in the form of a wired LAN or a wireless LAN and forwards payment information. The operation of a settlement system using the portable relay device described above and one of the relay base devices 30 will be described with reference to FIGS. 5 to 12 (.). The present invention is divided into a case of using a point of sale system And most other cases where a point-of-sale system is not used, these cases will be described below. Among them, the case where a point-of-sale system is used is divided into using only the portable relay device 10 of the present invention and using the portable There are two cases where the relay base device 丨 〇 and the relay base I are set to 30. The use of the portable relay device 丨 〇 and the relay base device 30 is divided into the use of a wired local area network

1H Page 15 200409050 Shape. For example, a department store and above. Figure 5 illustrates that a department store has only one portable relay device 10 L :. ) And other situations where a Wireless LAN is used. ‘He or she informs the store clerk that he will use one of the payment terminals, a tape credit card, or an RF card to perform the settlement. Further, the customer informs the clerk that he or she uses a credit card or a company approval card to complete the payment. If it is to complete a credit card settlement by a payment terminal: a clerk of company K will operate a key controller 13 in a handheld relay base garment 10 according to the present invention, and set the portable relay The device 10 is in a receiving standby state until receiving a credit card. That is, the first screen displayed together in FIG. 12A is the first screen displayed in the state of the portable relay device 10 and the display 15, and a store clerk presses the number button on the key controller 3 And enter the amount of money to be paid (please refer to the second act in Figure 2A). After that, the clerk presses the ", credit card" button and enters a reception standby state. The key operator 13 is provided together with a separate, "credit card" button. In other words, a digital button, for example, a "1" button may be used in combination to replace the "credit card" button. In this embodiment, a $ 1 button 1 'is designated as a "credit card UI button. If one of the number buttons " 1" in the key manipulator 13 is pressed, the controller 17 controls the Display 丨 5 shows a message as shown on the third screen in Figure 12A reminding the status of "credit card receiving ...". The department store clerk showed off his handheld portable relay unit ^ ^ ΙΗ

Page 16 200409050 V. Description of the invention (9) Show it to a customer so that credit card information can be forwarded through a customer's handheld payment terminal. The credit card information forwarded by the customer's payment terminal is an optical signal in the form of infrared rays (Ir). If a settlement method is an RF contact-type credit card settlement, a customer brings his RF card into contact with an appropriate position of the portable relay device 10 displayed by the store, so that the credit card information can be an RF signal. Be transmitted. When the credit card data in the form of Ir is transmitted by the customer's payment terminal, the portable relay device 10 receives the credit card data Λ through the r transceiver 丨 2 in the payment information transceiver 11. § The credit card information in RF form is transmitted by the customer's payment terminal. The portable relay device 10 receives the credit card information via the RF transceiver 111 in the payment information transceiver. The RF transceiver 111 or the RF transceiver 111 converts the #card information received into an electrical signal and the controller controls the memory 8 to temporarily store the result of the conversion. If the card information is received and stored correctly, the control in the portable relay device 丨 0, the device 17 controls the display 丨 5 to display the fourth message as shown in FIG.2A Miscellaneous notice that the credit card has been received. The clerk moves to the place " point 2 1 and the portable relay device i 0 having the card information stored therein. The point of sale 21 is almost _ jealous 2 miscellaneous κ ^ f ^ In the example, leu. The selling point of the sodium is the same. Implementation or shooting phase pin. Point 1 is additionally equipped with a receiver 23 to receive card information in the form of an infrared button and also a flood number. The clerk presses one, credit card, and presses two of the above ~~ The key controller 13 in the handheld portable relay device 10 exists in the Π, and the receiver 23 is transmitted via the payment information transceiver 11 : The method of transmitting the information to the receiving and paying personal communication connected to the point of sale 21 can use 丨 r and “Signal

Page 17 200409050 V. Description of the invention (10) Two methods are decided. If the number is attached, one of the pre-payment information on the clerk 13 will be passed through the exchange result. The 23 series uses the key in _RF to control the 5 tigers in memory 1 8 and then the 10 detection is stored in The server 25 has sent the value-added network company 50 when the information has been terminated due to positive communication or pressing time, and this is the point of sale through which the party 2 5 is passing. 40 and 50 confirm the approval of the customer corresponding to the approval note, in which a number is replaced by a portable number that is attached to the point of sale 21 of the receiver 23 and belongs to the point of sale 21 The receiver 2 3 uses an I r signal to operate the button determined by the key controller in the portable relay device 10 in order to store the I r transceiver 1 1 2 in the memory 18 It is converted into an Ir signal and then it is forwarded. If the receiver signal attached to the point of sale 21, the store clerk operates one of the predetermined buttons on the portable relay device 10 and 13 to store the payment information via the RF transceiver 1 11 is converted into an rf conversion result and transmitted. The card information in the portable relay device's memory 18, in which case the card is normally transferred to the point of sale 21, that is, a successful button of a terminal or a power supply Close button or shape. The point of sale 21 passes through a point of sale in a department store and the credit card information received via the receiver 23 to a Value Added Network (VAN) / card company 40 to confirm whether a transaction has been approved. The point of sale is connected to a local area network and is randomly located in the department store. If a transaction is approved by the value-added network company / card company, then the point of sale 21 requires: The clerk at the department store delivered the approval note to the customer and asked the customer to check the note. In the case of a company card settlement, '2 was regarded as a "company card" by the temple, and the button was pressed on a "credit card" in the relay device 10, and the button was pressed. In this case

Page 18, 200409050 5. In the description of the invention (11), an approved transaction is determined by the relevant personal credit information, installment payments and the amount of money settled within 60 of a department store host, without going through the value-added network. Road companies / card companies 40 and 50. Meanwhile, in the case of the tape credit card settlement, a customer delivers his credit card to a clerk. The clerk presses a digital button π 1 on the key controller 13 in the portable relay device 10, just like when a payment terminal makes a payment and makes the portable relay device 丨〇 Standby in the & card receiving status. Here, an indication that the message of credit card receiving standby " is displayed on the display 15 of the portable relay device 10. The clerk paid the customer's father The card machine 12 receives the card from the receiver 15 and receives the public information of the company. In this case, the password is portable. Press the button displayed on the code to insert the credit card into the portable relay device 10 right. To read the credit card information. Here, a message indicating that the credit card is completed is displayed on the portable relay device. The display clerk confirms the message and then returns the credit card to the customer. , The clerk moves to a portable relay device 10 where a sales 'point 2' is set up by the customer. If the tape credit card is a department store Z card, as shown in the fourth screen in FIG. 12B, one is required, and the password is “:” is not displayed on the display of the portable relay device 10. It is not displayed on the display. Return the company card to the customer and then show the portable ^ 2 to the customer so that the customer directly enters the card's Ϊ operationΐ the key controller 13 in the portable relay device 10 J 2 ° Hai password. Here, an indication is that the message of "****" will be displayed on the display 15 of the Song relay device 10, and the password cannot be displayed. The following procedure will be the same as that for optical payment settlement.

19th stomach 200409050 V. Description of the invention (12) Next, a case is described in which the relay base device 30 uses a local area network and the portable relay device 10 together. Please refer to FIG. 6. A customer sees a payment terminal, an RF or a magnetic tape at a hundred and eighty-eighth, such as a mouth, a magnetic tape or a magnetic tape, and uses a product with a price of '1 and a magnetic tape. Checkout. Since a payment method = the method in FIG. 5 is the same, a detailed description thereof will be omitted. = Acquired; The portable relay device 10 storing the customer's payment information is transmitted at 4:21-the place of the relay base device, and it is communicated to the relay base device 30. There are two transmission methods J L: the method is to load the portable relay device 10 to the relay base

St is installed, the connector 32 is in contact, and the other party A transmits payment information to the relay base device 30 in the form of ^ 1 ^ if the payment is transmitted by the portable relay device 10 ::: In the form of a message, the receiver 3 1 passes through the RF receiver 3 11. If the sub-frame A 疋 1Γ signal form transmitted by the portable relay device 1 (), the receiver 31 receives the information of the account via the 1r. According to the operation of the switch 33, the relay base device 3 receiving the payment information via the portable, ′, 1 ′, and transmitting the relative two = pays recognition to the sales point 21. A wired LAN is connected between the point of sale 21 and the relay base unit 30. The relay base device 30 transmits the payment information to the pin via a wired I / F 341 in the interface 34. . If the relay base device 30 has been notified of a parent-friendly approval via the point of sale 21, an approval slip will be printed via a printer 35, and even the clerk in the department store will not need to move To set the page 20, 200409050 V. Description of the invention (13) At the point of sale 21, a note can be installed through the .relay base, and the generated note is transmitted to the relevant customer. ^ Confirm the Details of the transaction. In FIG. 7, a wireless LAN is connected between the pin relay base devices 30. The operation of FIG. 7 is similar to that of FIG. 6 except that the relay base device 30 transmits the payment information to the point of sale 21 via the interface device = I / F (interface) 3_42. Hai Wireless Figure 8 shows the case of using a point-of-sale system, for example,-

When only one portable relay device is used. Please refer to Fig. 8, ^ / a petrol station refueling / a person will add fuel to a car, and then notify a fueling is completed and ask the customer's payment method. The customer J chooses two payment methods. When the customer chooses to use a payment terminal to perform the 3 form ?, the fueler presses the portable relay device. The middle = one of the key operator 13 " credit card " buttons and makes The portable relay ^ enters, a receiving standby state. In this case, a message of "instruction" " credit card 〇 standby ^ is displayed on the display of the portable relay device 10]. The fueler showed a portable relay device 10 to the customer to see 1. The customer pays one, and the terminal directly faces the refueling person, “may = set 10, and then the payment terminal sends a letter. Use the card information to the relay device 10. In this state, the customer is in the car . At this point, the D terminal transmits credit card information in the form of infrared light. If the method is to choose -RF contact credit card for checkout, then the customer will place his 2 on the portable relay device 10 shown by the fueler =

And send credit card information in the form of -RF signals. In the portable type: J 200409050 V. Description of the invention (14) Set to 10 Depending on the transmission method used for the credit card information, the credit card information is received via the r transceiver 112 or the RF transceiver 111. The Ir transceiver 1 1 2 or the RF transceiver 1 1 1 converts the received credit card information into an electrical signal and temporarily stores the conversion result in the memory 1 8 through the controller 17. If the card information has been received normally, the controller 17 in the portable relay device 10 displays a "pi credit card reception completed" message on the display 15. If a customer is a bonus card holder, a refueling person presses a key button on the portable relay device 10 and the number button designated as a "bonus card" `` 3 '' ', And make the portable relay device 10 enter a receiving standby state. Here, as shown in one of the second screens of FIG. 12c, the bonus card receiving standby π message is displayed on the portable Relay device 丨 〇 on the display 15. The customer sends the bonus card information to the portable relay device 10 in the car. The bonus card information can be transmitted using a signal and an RF signal. Two methods are the same as the RF card information transmission method. If the bonus card information is transmitted as an IR signal, the payment information transceiver 11 in the portable relay device 10 receives the transmitted bonus Card information to the IR transceiver 1 12, and if the bonus card information is transmitted as an RF signal, the payment information transceiver ij in the portable relay device 10 receives the transmitted information Bonus card information to this RF transceiver 丨 丨 1. , The payment information transceiver in the portable relay device 10 converts the received signal into an electrical signal, and temporarily stores the electrical signal into the memory under the control of the controller 7 1 8. If the bonus card information has been received normally, the controller i 7 in the portable relay device 丨 〇 controls the display 15 to display a "bonus card reception completed" message on the screen

Page 22 200409050

And output: the sound of the material to remind the customer that the bonus card has been received. Then, the refueling person moved to a credit card interrogation machine 70 equipped with a receiver 75 attached to the portable relay device, so that the portable storage device ^ customer ^ the credit card information and the bonus card information. Xiao fuelling staff presses one of the "credit card" buttons on the key operator 13 in the repeatable device 10 and transmits the credit card information stored in the memory 18 to the credit card inquiry machine (CAT) 70之 此 接 器 75。 The receiver 75. Then, the " bonus card " button is pressed and transmits the bonus card information stored in the memory 18 to the receiver 75 in the CAT 70. It is also possible to use one of the above-mentioned one-block signal and one RF signal as a communication method between the portable relay device 10 and the credit card interrogator 79. The communication method is determined based on the type of the receiver 75 attached to the credit card inquiry device 70. If the receiver 75 in the credit card interrogation machine 70 uses a signal, the oiler presses a predetermined button on the portable relay device 10 to pass an I r signal in the form of an I r signal. The I r transceiver 2 transmits credit card information and bonus card information. If the receiver 75 in the credit card interrogation machine 70 uses an RF signal, the refueling person presses the portable repeater device.] The last predetermined button to transmit and receive an RF signal via the RF in the form of an RF signal. The device 111 transmits credit card information and bonus card information. The credit card inquiry machine 70 transmits the credit card information of the payment information received via the receiver 75 to the value-added network company (VAN) / card company 40 and 50, and confirms whether the transaction is approved, not via The point of sale 21 transmits the bonus card information to an oil company host 80. The point of sale 21 installed at the gas station is connected to external gas equipment via a wired LAN and acts as a

Page 23 200409050 V. Description of the invention (16) Correctly calculate if a transaction is approved and the customer goes to the point of sale 2 1 Refueling staff submits to a customer Payment end staff sees a credit holding a portable button to enter the button The indicator 15 is cheering, and the customer is in this situation 15. In the terminal. After the card is relayed together, the display member confirms the credit card, and the customer clicks one of the "bonus card" status to receive the bonus interest. It is also displayed in the relay device 10. The amount of temporarily stored oil BA is jealous of the role of the amount of money from the mother and the refueling equipment. One of the ^ Likou Internet Company (VAN) / Card Company 40 and 50 profit points have been transmitted by the oil company host 80妣, each card interrogation machine 70 generates an approval slip. The slip should be given to the relevant customer. The use of a tape credit card as a settlement device instead of a =, the customer displays his tape letter; ΐ give oil ^ a bonus card situation The bonus card and the magnetic card ^ are shown to the fueler. The fueler presses the "credit card" button on the key controller 1 3 in the hand = 1j. If the key controller 1 3 On the "credit card", pressing, the controller 17 in the portable relay device 10 can control the display card to receive standby, and the message is on the display 5. The inside of the display 15 in the portable relay device 10 is read by the card reader 12 in the portable relay device 10 so that the card information can be temporarily stored in the memory i 8. A "Credit Card Reception Completed" message is displayed in the case where the display person has defeated a bonus card from the customer to blank the button on the key controller of the portable relay device 10 and make the portable The relay device i 〇 enters a standby card information. In this case, a "bonus card" is on standby, and it is displayed on the display 15. The fueler reads the customer's bonus card through the portable medium and large card machine 12 so that the bonus card is stored in the memory 1 8 If the bonus information has been read normally on page 24, 5. Description of the invention (17), then the relay device 1 〇 received on the display 15 " message is displayed on the available Bring the magnetic card back to the customer, and then the mobileman will: send the bonus card and RF signal in the same way as J or the message, so as to complete a payment, the type of the portable relay device 10 The relay base device 30 uses a relay device from the right to the upper relay device!-The situation in which it will be used will be described in the following portable, please refer to Figure g, and the car's accessories in the car are described in Figure 9. Terminal models, An RF card and a magnetic book refueling station are refueled and a payment is the same as in the case of Figure 8, because: Details 2 1. Because the payment method message has been stored in the relay base device 30, and = bonus Card poor news to the relay base device 30. As above σ = Li ,,, method can Use. One method is to load the portable relay device 10 to the relay base device 30 so that the portable medium device ^ 20 is in contact with the: following base device 3. One of the connectors 32 is in contact: He = method to send credit card information and bonus card information to one of the receivers 31 in the relay base device 30 in the form of an -RF signal or -Ir signal. The relay base is also set to 30 in the receiver = receiver 3 1 Receive the credit card information and bonus card information transmitted by the portable relay device. If the transmitted information is transmitted as an RF signal via an RF receiver 311, or via a receiver 312, The Ir signal is transmitted. The credit card information and bonus card information received by the relay base device 30 are transmitted through the portable 200409050 according to the operation of a switch 33. V. Description of the invention (18) The relay device 10 transmits the The relevant information is to the point of sale 2 丨. — The line is connected to the point of sale 21 and the relay base device 3 of line 3 = the base device 30 forwards the letter via a wired interface (I / F) 341 = secondary message And bonus card information to the point of sale 2 丨. The point of sale.俨 Use the card to $ 1. ★ Put 〇 ”^ Show the customer ’s L-use card afl to the value-added network company (VAN) / and the bonus card information to the oil company host 〇, in order to request one or two Standard: If the relay base device 30 is passed through the point of sale 21: The transaction is approved, the relay base device 30 forwards the payment information, and prints and outputs an approval slip via the machine 35. The refueling person or clerk does not need to ‘walk to the place where the point of sale 21 is placed to receive the slips output by the relay base device 30. 'The fueler then submits the resulting note to the relevant customer so that the customer can confirm the transaction details. FIG. 10 illustrates the same structure and operation as in FIG. 9 except that a wireless local area network is connected between the point of sale 21 and the relay base device 30, and the relay base device 30 is connected via a wireless The interface (I / F) 342 forwards the credit card information and bonus card information to the point of sale 2 丨. That is, when a wired LAN is connected between the point of sale 21 and the refueling equipment of the settlement station, and the refueling settlement of the parent refueling equipment is performed by wire, a wireless LAN is connected to the Between the point of sale 21 and the relay base device 30, and therefore the customer's payment information is transmitted wirelessly. Next, the case where there is no point of sale system will be described below with reference to FIG. In this embodiment, an example of a restaurant will be described. Customers who have dinner in the restaurant do not need to move to a counter equipped with a credit card inquiry machine (CAT) 70 and do not need to give their credit card to a

Page 26 200409050 V. Description of Invention (19) The clerk, and enter the customer's own payment 杳 ^ relay deviceΗ. That is, the buttons on the key controller 13 in the portable hand held by the clerk make the === set, enter a payment information receiving standby state, and then $ ,, shame device 1 0 information. The customer uses a payment terminal, two r receive a payment due to J credit card and transmit it in the form of an Ir or RF signal 誃 A times two 3 ▲ ^ type relay device 10, or the person who rubs the customer's tape Beixunzhi, the portable card can pass through one of the card readers 12 in the polite relay device 10 and directly input its credit card information to the portable device 1, device 1. in. The portable relay device i◦ stores the payment information received by the payment information transceiver Is 11 or is read by the card reader 12 into the memory 18. If the customer's payment information has been normally stored in the portable relay device 10, the clerk takes the relay device 10 to a counter where the credit card inquiry machine 70 is installed. The clerk transmits the payment information stored in the memory 18 to the credit card inquiry machine 70 by operating the buttons on the key controller 13 in the portable relay device 10. Receiver 7 5. An Ir signal and an RF signal between the portable relay device and the credit card inquiry machine 70 can be used as a communication method. This communication method is determined according to the type of the edge receiver 75 attached to the credit card inquiry device 70. The credit card inquiry machine 70 sends the payment information received via the receiver 75 to the value-added internet company / card company 40 and 50 and confirms whether the transaction is approved. If the result of the confirmation is that the transaction was approved by the value-added internet company / card company 40 and 50 ', the clerk was accepted by the credit card inquiry machine 70 and received a receipt and the customer ’s signature on the receipt was completed to complete a Settlement of payments.

Page 27 200409050 V. Description of the invention (20) As mentioned above, one of the portable repeater devices, one of the radio frequency payment, is completed by credit card. In this portable type, the settlement according to this system is settled by the information transceiver. This continues in the installation. A settlement station is then forwarded to the host, or no wireless LAN is required to move to the or wired area. As a result, a customer and a gas station, for example, move to the settlement to prevent credit transaction effects. The department store station can bring the unknown portable portable relay device and use the integrated card reader and combine an infrared and in order to enter the credit card information temporarily through a payment terminal or a magnetic tape. The stored credit card information is moved to a value-added internet company / card company or company nose-drop station and installed via a relay base, and the internet is connected to a sales credit settlement station in the settlement station. Place, or restaurant in the restaurant, the customer does not need their location to settle the payment in order to provide ~ convenience and misuse or illegal use of credit cards, etc.

The modification disclosed in the present invention originates from the person who inferred it or not, but it is a preferred embodiment. For those who are familiar with the technology, local changes or obvious technical ideas are easy to get rid of the scope of the patent right of the present invention. .

200409050 Brief Description of Drawings Figures 1 and 2 are schematic diagrams respectively showing the appearance and internal structure of a portable relay device according to a preferred embodiment of the present invention. FIG. 3 and FIG. 4 are schematic diagrams respectively showing the appearance and internal structure of a connection between a relay base device and a portable relay device according to a preferred embodiment of the present invention. 5 to 7 are schematic diagrams showing a settlement system using a portable relay device according to the present invention at a department store using a point of sale, wherein FIG. 5 illustrates the use of only one portable relay device Fig. 6 illustrates the use of a portable repeater device and a repeater base device and a wired LAN connection, and Fig. 7 illustrates the use of a portable repeater device and a repeater base device. And use wireless LAN connection diagram. 8 to FIG. 10 are schematic diagrams showing a settlement system using a portable relay device according to the present invention at a gas station using a point of sale, wherein FIG. 8 illustrates the use of only one portable In the case of relay installation, FIG. 9 depicts the use of a portable relay device and a relay base device and a wired LAN connection, and FIG. 10 describes the use of a portable relay device and a relay device. Schematic diagram of the situation in which the base unit is connected to a wireless LAN. FIG. 11 is a schematic diagram showing a case where a settlement system according to the present invention does not use a POS system and uses only a portable relay device. Figs. 12A to 12C are schematic diagrams showing screen states, which are respectively displayed on the displays of a portable relay device. [Illustration of Symbols of Schematic Elements]

Page 29 200409050

Schematic description of portable relay device 10 payment information transceiver 11 RF transceiver 111 infrared light transceiver 112 card reader 12 key controller 13 power switch 14 LCD display 15 power supply 16 controller 17 memory 18 string Column communication. 19 Connector 20 Point of sale 21 Receiver 23 Point of sale server 25 Relay base unit 30 Receiver 31 Connector 32 Printer 35 RF receiver 311 Infrared receiver 312 Command switch 33 Interface device 34 Wired interface device 341 wireless interface 342 value-added network company 40 card company 50 department store host 60 credit card inquiry 丨 receiver 70 credit card inquiry machine 79 petroleum company host 80

Page 30

Claims (1)

200409050 I. Card information of a payment terminal for a portable relay device. The optical signal to a settlement device includes: transmitting an optical signal or a magnetic card to pay a fee in an optical payment system, The portable relaying a payment information receiving and sending information and transmitting the payment information a card reader for a memory, the payment information and the one-key controller with a controller, according to the memory The payment and settlement device is set up by the group 2. If a communication method between the payment information transceiver in the patent application is transmitted as the payment information, the payment terminal receives the message to the settlement device; = The magnetic card reads the # paragraph of information; > :: Deposited by the payment information transceiver = read by the card machine. The payment information; there are multiple buttons; and The key manipulator—Prostitute ^ > ^ 3 The operation of the button controls the storage. The shell table is transmitted to the portable and movable size via the payment information transceiver. According to the portable relay device described in item 1, a signal form is set between the payment terminal and the settlement to appropriately receive and receive the card. 3. The portable relay device as described in item 2 of the scope of patent application, wherein the payment information transceiver is an infrared transceiver to transmit and receive the card information in the form of an infrared signal. '4. The portable relay device described in item 1 of the scope of patent application, wherein the payment information transceiver is a radio frequency transceiver for transmitting and receiving the card information in the form of a radio frequency signal. ° ^ 5 · As described in item 3 of the scope of patent application, 200409050 6. The payment information transceiver in the scope of the patent application includes an infrared transceiver to place the upper part of the w4 relay unit so that it can simply be called at μ, / ϊ / r know A.% Into the payment Communicating and receiving actions between the terminal and the settlement device 'and-RF transceiver crying and a contact surface placed on the portable relay device, & amp simply read the card by a RF contact card When the position is therefore: the card machine is configured on the right side of the portable relay device, and the situation is 5 ', and the magnetic card is read. ] You can simply read 6 · As described in item 4 of the scope of the patent application, the payment information transceiver includes an infrared transmitting and receiving relay device. The upper part of the relay device can be simple ^ j Placed between the portable and the clearing device for transmission and reception actions to complete the payment terminal with a contact surface placed on the portable relay device. and-the RF transceiver device simply contacts the card with an RF The card is read in an appropriate position, so the card reader is configured in the portable relay device, and the magnetic card is read. In order to make it easy to read, as described in item 1 of the scope of the patent application, the key manipulator includes a dedicated button corresponding to the portable relay device, and a combination of digital buttons is used as the settlement card jj settlement card, Or take the number of yards and money. The input to the face-to-face description includes a password. 8. As described in the patent application No. 丨 " further includes a display to display the portable relay device, operating status. -The operation of this key-9. If the scope of patent application item 7 further includes a display to display the built-in portable relay device, its & one of the operations of the key operator Μ No. 32 200409050 VI. Scope of patent application Operation status. 1 0 · The portable relay device as described in item 丨 of the patent application scope, wherein the payment information stored in the memory has been normally received to the settlement device or one of the key controllers The controller detects the payment information stored in the memory when the completion button has been pressed, the power has been turned off, or the time has passed. w, 11. The portable relay device according to item 1 of the scope of patent application, further comprising a relay base device disposed between the portable relay device and the settlement device, and the relay base is set The portable relay device receives the payment information and forwards the received payment information to the settlement device. 12. The portable repeater device as described in item u of the scope of the patent application, wherein the portable repeater device and the repeater base device are directly connected through a connector f wirelessly so that the payment information can be obtained by The portable type; following 1 3 · If the request is made, the relay base device includes a means for receiving the payment information, and the receiving means receives an infrared signal, and the receiving means receives the payment 1 4 · if applying for a patent The i-th range includes the ten base stations and the connection so that the input payment information can be 15. As for the i-th range of the patent application, the relay base device includes a portable relay device as described in 2 above. The receiver is used by the portable relay receiver to include an infrared receiver for payment information and a radio frequency receiver for payment information. The portable relay device described in item 2 is transferred to the settlement device by wired or wireless means. 4 offices. The portable relay device described above, the interface is used to forward the payment information to 200409050 VI. Scope of patent application The interface of the settlement device, and ^, a wired interface of the network and: The interface includes the use of a wired area interface. And a wireless interface using one of the wireless LAN 1 6 ·-a kind of settlement system silk account station 钗 蝱 Sheng from +, use, for example, used in department stores, refueling, and clerk 4 丄 network relay device In some places, a customer has a considerable distance from the knot. The initial calculation system includes:. A ^ ^ is made to be easy to carry, used to connect with an infrared ray 4 :: "" and -may Replacing one of the magnetic cards and other methods-a kind of $ -type receiving and storage ^^ 付 边 次 ^ ^, no one knows, and only once transmits the corrosion less by the infrared light or radio frequency signal ^ Λ · ,, Ώ »The payment information stored here, and the difference between $ and $ 'are used to request approval of a transaction and to settle the payment of the payment information received by the receiver, including a receiver for receiving by the portable The payment information forwarded by the relay device. 17 · The settlement system according to item J 6 of the patent application scope, wherein the portable relay device includes a payment information transceiver for transmitting in the form of an infrared signal or an RF signal and a card reader And receiving the payment information so that the payment information can be received or read and transmitted to the settlement device via the payment information transceiver. μ / 18. The settlement system according to item 16 of the scope of patent application, wherein the portable relay device includes: π City II, 丄 a 欵 information transceiver, which is provided by a portable relay device with A payment agent,》, * Seven machines in the form of transmitting and receiving side infrared signals or a radio frequency signal and a 颉 肀, .iA ^ ^ ^ 3¾ Μ, 娣, the payment information is used to send and receive payment information, so that the Payment information can be, & received or read and transmitted to the settlement facility, and mm 34th tribute 200409050 6. Scope of patent application A relay base device communicates or contacts the portable: relay device by using a wired local area network to receive the payment information and forward the payment information to the settlement device. 19. The settlement system according to item 16 of the scope of patent application, wherein the portable relay device comprises: a portable relay device having a payment information transceiver for transmitting an infrared signal or a radio frequency Transmitting and receiving the payment information in the form of a signal and a card reader, so that the payment information can be received or read and transmitted to the settlement device via the payment information transceiver; and A relay base device communicates or contacts the portable relay device by using a wireless local area network to receive the payment information and forward the payment information to the settlement device. Page 35