TW561429B - 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

561429 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 The settlement system 'where the customer's credit card information is relayed to a credit card social computing device remote from the customer in the form of infrared rays or an RF signal' is, for example, a credit card inquiry machine or point of sale, so a credit card settlement is secure It is performed easily and conveniently without the customer having to move from their current location to the credit card settlement station. [Prior art]

Nowadays, comparing credit cards with cash is very convenient and easy to carry, so it is widely used as a settlement tool. Because most of the credit cards used today 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 to replace a tape card and the card information is transmitted with 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. 2000-1-9485, October 18, 2000 0 1 year), this patent case was filed by the same applicant as this case, and the detailed contents of this patent case will be omitted here. However, there is only one situation in the settlement system described above

Page 9 561429 Fifth invention description (2) The inquiry machine is close to a customer,-the payment settlement device can be used with its portable payment device, however, in places such as department stores, etc., credit cards in these places The access terminal was put _ 彳 + # and the dining room was turned into a large number of rooms, using the payment device of Shifang County; ^ Shi & m's role is convenient. Moreover, because the clerk took the customer's point t (point of sale terminal, point 〇f * owe 2 :: point of sale) '❿ this point of sale terminal is far from customers in the existing magnetic card payment system, the credit card may [Summary of the Invention] In order to solve the above-mentioned problem, a person & w ,,, and an object of the present invention is to mention # 一 锸 i to set up and use the settlement system and system of the device, which is made; To be portable G t II: to take care of the payment in the form of infrared rays or radio frequency signals and use the information-times to complete another object of the present invention is to provide a portable relay device, The first is to separate, " different, " first to pay for its own expenses without the need for a mobile customer to carry a portable relay clerk. Force to move to another location or give credit card to that

In order to accomplish the above-mentioned object of the present invention, the relay device for transmitting optical payment is a strict monthly payment-referable piece of information, which uses an optical signal or-magnetic :::: terminal equipment to settle fees, According to the present invention, the :::: signal-to-end-payment-information transceiver is used to make the payment; the device includes, the oolitic machine receives the payment information, and

561429 V. Description of the invention (3) Send the payment information to the settlement device; a card reader to read the payment information from the magnetic card; a memory to temporarily store the payment information received by the payment information transceiver And the card reader to read the payment information; a key controller with a plurality of buttons; and a controller for controlling the payment information stored in the memory to operate according to a button of the key controller Once transmitted to the settlement device, the controller is assembled into a portable and mobile size. The portable relay device according to the present invention further includes a relay base device configured between the portable relay device and the settlement device. The relay base device is received by the portable relay device. The payment information is forwarded to the settlement device so that the payment information can be forwarded without moving to the settlement device. The present invention also provides a settlement system such as a department store, a gas station, and the customer is a comparable device to the settlement device. It is manufactured to be easy to carry light (Ir), a radio frequency signal and information, and uses the infrared light only once. Stored payment information; and the payment device received by the receiver, the payment device is used to receive the portable [simplified illustration of the system] system, which uses a portable relay device restaurant, etc. . In these places, the shipping system includes: · A belt "to receive and store one of the infrared magnetic card swaps and other forms of light or radio frequency signals to transmit the remainder, to request a The transaction approves and processes the settlement of payment information, including a receipt of the payment information forwarded by the relay device. In order to make it and its purpose, the review committee can further understand the structure of the present invention, with detailed descriptions of the drawings and preferred embodiments 561429 V. After the description of the invention (4): Figures 1 and 2 are schematic diagrams' It respectively shows the appearance and internal structure of the portable relay device according to a preferred embodiment of the present invention; FIG. 3 and FIG. 4 are schematic diagrams respectively showing a portable relay device according to a preferred embodiment of the present invention. Appearance and internal structure of the connection between the relay base device and the portable relay device; Figures 5 to 7 are schematic diagrams' showing the use of a portable relay dress according to the present invention by a department store at a point of sale Settlement system, in which Figure 5 describes the use of only one portable relay device, Figure 6 describes the use of a portable relay device and a relay base device and a wired LAN connection, Figure 7 describes the audio diagram using a portable repeater device and a repeater base device using a wireless LAN connection;

8 to 10 are 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 illustrates the use of a portable relay device and a relay base device and the use of: ^ LAN network connection, and FIG. 10 describes the use of a relay = relay device and It is not intended to use a relay base device and use a wireless local area network to connect + 2 /-stand up; Figure 11 is a schematic diagram, which shows that each of the two, σ, σ, 根据, 根据, 根据, 根据, 根据, σ, σ, σ, σ, σ, σ, σ, σ, σ, 糸, σ, 糸, and σ are not intended to be used in the case of using a relay base device and using wireless local area network connection + two / -litres; Use a POS system and only use a portable relay.

The road in Figure m is-a schematic diagram 'which shows-the state of the camp screen, the screen

Page 12 561429

The sense of shape is respectively 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 assembled x a portable or a chain-type portable & It can be carried by a store clerk. The relay device 10 includes a card reader 12 and a payment information transceiver 1 so that payment information such as a customer's card number can be exchanged through a magnetic card or with a payment terminal. Communication was received. The card reader 12 is usually provided on the right side of the relay device 10 so that a store clerk holding the relay device 10 can simply insert a magnetic card and rub against the card reader 12. The payment information transceiver 11 is provided on the front of the relay device ^ so as to simply communicate with a customer's payment terminal or credit settlement machine. That is, an infrared light (IR) transceiver of the payment information transceiver 11 is placed at an appropriate position on the front upper surface of the relay device 10, and a radio frequency (RF) transceiver is built in the Following the device 丨 〇. The relay device 10 in FIG. 1 includes a key manipulator 13 including a plurality of buttons arranged thereon, and a liquid crystal display (LCD) 15 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 is shown in FIG. 2. The portable relay device 10 shown in FIG. 2 includes a card reader 12 for swapping a magnetic card, and a payment information transceiver 11 for communicating with a customer.

561429 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 a relay base which will be described in one of the following The device 30 is a point of sale (P 0 S). The payment information transceiver 11 includes an infrared light (Ir) transceiver 112 and an RF transceiver 111, 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. The manipulator 13 has some buttons, such as a number button to input 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 18, which is used to temporarily store the card reader 12 or the payment information transceiver. Receiving letter: card information as payment 1. A display 15 is in a non-operational state in accordance with the operation of a button. At the same time, the removable relay device / packet serial communication part 19 in FIG. 2 is used to trace back with an external program provider, f Γ: and a controller 17 to completely control the existence of the The credit card information of the customer in the memory 18 is yttrium-isolated and cleared by the memory 18 corresponding to the output of the credit. The power supply 16 supplies the required electricity for traceability; 〆Am and the source is used to run the portable relay device 10 > two female components. The power source 16 is charged via a one-cell battery. β4. The electric diagram 3 of Toda Blades shows the appearance and internal structure of the connection between the device 3 0 and the relay in the preferred embodiment of the portable relay device according to the present invention. 3 Not shown in the relay base device 3Q includes-connector ^ a bad connection

561429 5. Description of the invention (7) = S IS The payment information can be received by both the communication with the portable relay device 10 and two points. The connector 32 is provided on an upper surface of the relay base "in order to firmly connect with the portable relay device 10 and 122 (not shown), and is provided under the connector 32, whereby Provide the operating power required when the portable relay device is in contact with the connector 32. In addition, the relay base device 30 shown in Fig. 3 includes a printer 35 for printing settlement details. The internal structure of the relay base unit 30 is shown in Fig. 4: The relay base unit 30 in Fig. ^ Includes a receiver 31 for receiving payment by communicating with the portable relay unit held by the clerk. Information 'and the connector 32 is used to contact the portable relay device 10. The receiver 31 includes an RF receiver 3n and an lr receiver 312 according to a communication method. The relay base device 30 in FIG. 4 includes a command switch "for transmitting card payment information to a point-of-sale or card check-in machine at a settlement station, and an interface 34 has a wired interface (i / j? ) 341 and a wireless interface device (ι / p) 342 'Among them, the interface with the point of sale is in the form of a wired LAN or a wireless LAN and forwards payment information. One using the The operation of the portable relay device and the settlement system of one of the relay base devices 30 will be described with reference to Figs. 5 to 12c. The present invention is divided into a case where a point-of-sale system is used and most other cases where no one is used. The situation of the point-of-sale system will be described below. Among them, the situation of using a point-of-sale system is divided into the use of the portable relay device 10 of this specification and the use of the portable relay device 10 and the Two cases of the relay base device 30. The case where the portable relay device is used 10 ^ The relay base device 30 is divided into the use of a wired local area network (wir5

561429 5. Description of the invention ----- LAN) / old style and other situations using Wireless LAN. For example, the example of a department store and a gas station will be described in detail. Fig. 5 illustrates an example of a department store that implements a point of sale system and has only a portable relay device i 0. Referring to FIG. 5, when a customer purchases a product gdb =, ‘he or she informs the store clerk that the settlement will be performed using any one of the payment terminal, a tape credit, or an RF card. Further, the ▲ informs the clerk that he has used a credit card or a company approval card to complete the f calculation method. If it is to complete a credit card settlement through a payment terminal, a store clerk will operate a key controller 13 in one of the handheld relay bases 1, 2 and 10 according to the present invention, and set the portable type The relay device 10 is in a standby state until receiving a credit card. That is, together start the screen = the first screen shown in FIG. 12A is displayed on the portable relay device ^ :: Dagger 5 state, a store clerk presses the number 'Yu Yao' on the key controller 13 The amount of money for payment (please refer to the second fluorescein in FIG. 12A. After that, the shop assistant presses one, the credit card 'button and enters one to receive the offer, and the two controllers 13 are separated from one. " Credit card M button is sentenced together, a number button 'for example, a " = ^ combined to replace the " credit card " button one = button 丨 丨 1 丨 丨 designated as one 丨 丨 Kitada丨 丨 > One of the number buttons of the force JT number "" is a 1 r card. If this key is pressed in the controller 1 -3, .9 Α, the controller 1 7 controls the display 1 5 _ not shown The second in 12A is tampering with new + evening — free J ma "stickers can be π ^ a message reminder on one screen, the credit card is receiving pending status 0 the department store quotes g S Yigan = n α ^ ^ Buy A Division store staff show their handheld portable relay device

561429 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 one of the portable relay devices 10 displayed by the store clerk so that the credit card information can be transmitted in an RF message format. . When the form of credit card information is transmitted by the customer's payment terminal, the portable relay device 10 receives the credit card information via the Ir transceiver 11 2 of the payment information transceiver 11. When 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 I r transceiver 2 or the rF transceiver 111 converts the received credit card information into an electrical signal and the controller 17 controls the memory 18 to temporarily store the conversion result. If the card information has been received and stored correctly, the controller 17 in the portable relay device 17 controls the display 15 to display a fourth message 'as shown in FIG. 2A to inform the The credit card has been received. The clerk moves to a point of sale 21 and the portable relay device j 0 having the card information stored therein. The point of sale 21 is almost the same as a general point of sale system. In this embodiment, the point of sale 21 is additionally equipped with a receiver 23 to receive card information in the form of an infrared or radio frequency signal. The clerk presses a "credit card" button, that is, a number button "1" on the key controller 13 in the handheld portable relay device 10, and passes the payment information transceiver 丨丨 Send the card information stored in the memory 18 to the receiver 23 connected to the point of sale 2 丨. Here ’s the method for transmitting payment information.

$ 17 pages 561429 V. Description of the invention (10) Two, the method ′ is determined by the type of the receiver 23 attached to the point of sale 21. If the receiver 23 attached to the point of sale 21 uses an Ir signal 'then the store clerk operates a predetermined button of one of the key controllers ^ in the portable repeater device 〇 so as to store in the The payment f message in the memory 18 is converted into an Ir signal via the 1r transceiver 1 12 and then the conversion result is transmitted. If the receiver 23 attached to the point of sale 21 uses an RF signal, the store clerk operates one of the portable relay devices "Zhongzhi. One of the predetermined buttons on the key controller 13 to store in The payment information in the β itself and the body 18 is converted into an inverse ρ billion by the π transceiver 111, and then the β Hai conversion result is transmitted. The portable relay device 10 detects and stores in the memory. The card information in 18, in which case the card information has been normally transferred to the point of sale 2 丨, that is, a successful communication or pressing a button of a terminal or a power off time, : Zhizhizhi. The point of sale 21 sends the credit card received via the receiver 23 to a value-added network company (Value Added Network'VAN) / card company via the sales department 25 in a department store. Forms 40 and 52 confirm whether a transaction has been approved. The point of sale server

Intra-domain network is connected to A points of sale scattered in the department store. If a transaction is approved by the value-added network company / card 8 40 and 50, then the sales point 21 A: ... 's article and then the department store clerk delivers the corresponding customer, i ask the customer to check the note . In a company: In a company, a digital button "2" was designated as the company card "Month / Replaced-the portable relay device i" "of the" Credit card "button was pressed here

Page 18 Side I

561429 V. Description of the invention (11) '-Approved transaction is the amount of money settled in the department store host 60 by the relevant personal credit information :: Politics and the value-added network company / card company 40 and 50 . ... without going through the same time ’In the case of the tape credit card settlement — the card parent pays a clerk. The clerk presses the key located in the portable relay device, ° 0, and a digital button on the device 13 is like "in the middle" following the situation where the second machine is different and makes the device available. The portable relay device 10 is on standby in the second receiving state. Here, an instruction " credit card to receive standby " In this portable relay device !. The credit card delivered by the staff member on the display 15 is inserted into the portable relay device 10: = Gu: card machine 12 to read the credit card information, here, an instruction, "Receipt completed" The message is displayed in the portable $? Γ. 5; write the message and then return the credit card to: get the mobile to the place where there is a point of sale 21, and the customer places the card ... 4th in 12B The request shown by the labor curtain is to lose: one hundred confidential goods: displayed on the display 15 of the portable relay device 10. At the second store clerk, the company card is returned to the customer and then the customer is displayed.? To the customer It is seen that the customer directly enters the password of the key controller 13 in the portable relay device 10 of the card to display the password. The '-instruction' message here will be displayed on the display 15 and such a confidential method The material will be settled in the following order

Page 19

561429 V. Description of the invention (12) Next, a situation is described by the network and the stable relay device 10 == 30 use-wired area. Please refer to FIG. 6, a payment machine described in ΛΥΛ6, an R department store a purchase of merchandise in-house, and checkout through RF card or a credit card. Since the ancient law system is the same as the method in Fig. 5, since i is the identifying party ^ sw, the detailed description will be omitted. A store clerk obtains the payment from the customer and stores it with a portable relay device 10 held by the customer. It is used to replace the one of the hijacking point 21—the relay base device 3—to send payment information. To the relay base device 30. There are 3 to use. One method is to load the portable relay device into: the local device 30 so that the portable relay device can be connected to the connector 20 of the portable relay device 10 and the relay device 10 Following the contact of the connector 32 in the base device 30, and another method is to transmit payment information in the form of an RF or Ir signal to the receiver 31 in the relay base device 30. If it is by the portable relay The payment information transmitted by the device 10 is an RF signal, and the receiver 31 receives the payment information through the RF receiver 311. If the payment information transmitted by the portable relay device 10 is an I In the form of an r signal, the receiver 3 receives the payment information via the r receiver 31 2. According to the operation of the switch 33, the relay base device 3 receives the payment information via the portable relay device 10 〇 Pass the payment information to the sales agent.-Wired area ^ between the point of sale 21 and the relay base device 30. The relay base device 30 is wired via one of the remote interface devices 3 4 wired I / F 3 4 1 sends the payment information to the point of sale 21. If the relay base device 30 Through the point of sale 2ι has been notified a parent easy approval, an approval slip will be printed via a printer 35. Even the clerk in the department store will not need to move to set the 561429 V. Invention Explanation (13) Where the point of sale 21 is,-details a 1 are generated, and the generated slip relay base device 30 produces confirmation of the transaction details to the relevant customer so that the customer is in the wireless area in Fig. 7 The network is connected between the pin point 2 1 and the relay base device 30. Ren Zhitong Steel σ point 21 and this, ^ ^] Figure 7 is similar to Figure 6, only one you | outside The situation is that the relay base device 30 is transmitting the payment information to the point of sale 21 via ^ = I / F (Interface) 3 to 42. Figure 8 of the wireless radio shows that no sales are used to buy the backup μ + & σ ,, ffl Ding ^ + steel point-of-sale system, for example, a gas station only uses =-portable relay device 10. Please refer to Figure 8, in the gas station, a person in the oil station will add oil to a In the car, and then notify — refueling, and ask the customer's payment method. The customer is refueling Method. In the case where the customer chooses to count through a payment terminal: the fueler presses in the portable relay device 10 :: one of the keys "Control Card 13" " Credit Card " button And put the portable relay device ^ into a receiving standby state. In this case, a message indicating "credit card ^ standby" is displayed on the display of the portable relay device 丨 〇. The refueling person shows a portable relay device to the customer to see 1. The customer points a payment terminal directly towards the portability of the refueling person: the device 10, and then the payment terminal transmits a letter. The card The information is transmitted to the air relay device 10, and in this state, the customer is in the car. In ^, the peel-off terminal transmits credit card information in the form of infrared light. If 'the payment method is to choose an RF contact credit card for checkout, ^ the customer places his checkout on a suitable card of the portable relay device 10 displayed by the fueler and transmits it in the form of an RF signal Credit card information. The portable; following ^

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Set to 10: The credit card information is received via the Ir transceiver 112 or the RF transceiver U1 depending on the transmission method used for the credit card information. The Ir transceiver 112 or RF transceiver 1 丨! The received credit card information is converted into an electrical signal and the conversion result is temporarily stored in the memory 18 via the controller 17. If the card information has been received normally, the controller 17 in the portable relay device displays a "credit card reception completed" message on the display 15. If a customer is a bonus card holder, a refueling person presses a key button 13 on the key operator 13 in the portable relay device 10, which is designated as a number button of "Bonus Card", "3", And put the portable relay device into a receiving standby state. Here, as shown in one of the second screen of Fig. 12C, the "Reward Card Reception Standby" message is displayed on the portable relay device.丨 〇 on the display 15. The customer sends the bonus card information in the car to the portable relay device 10. The bonus card information can be transmitted in two ways: an r signal and an RF signal, just like the RF credit card information transmission method. If the bonus card information is transmitted in the form of an Ir signal, the payment information transceiver 11 in the portable relay device 10 receives the transmitted bonus card information into the Ir transceiver 1 12 If the bonus card information is transmitted as a signal, the payment information transceiver ^ in the portable relay device 10 receives the bonus card information transmitted to the RF transceiver 1 1 1. Then, the payment information transceiver 11 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 17. 1 in 8. If the bonus card information has been received normally, the controller 丄 γ in the portable relay device 10 controls the display 15 to display a π bonus card reception completed message on the screen

Page 22 561429 V. Description of the invention (15)

And output a ° °. The voice of Bi reminds the customer that the bonus card has been received. Then, the refueling person moved to a credit card inquiry machine 70 equipped with a receiver 75 attached to the portable relay device 10 to store the credit card information and the bonus card information of the customer. The fuelling person presses a "credit card" button on the key controller 13 in the portable relay device 10, and sends the credit card information stored in the memory 18 to the credit card inquiry machine ( CAT) 70 of the receiver 75. Then, the " bonus card, " button is pressed and the bonus card information stored in the memory 18 is transmitted to the reception in the credit card inquiry machine (CAT) 70 Device 75. It is also possible to use an Ir signal and an RF signal as described above as a communication method between the portable relay device 10 and the credit card inquiry device 79. The communication method is based on being attached to the credit card It is determined by inquiring the type of the receiver 75 in the machine 70. If the credit card inquires the receiver 75 in the machine 70 using an Ir signal, the refueling person presses the portable relay device 10 on a previously determined one. Button in order to transmit an lr signal in the form of an Ir signal via the Ir transceiver 112 to credit card information and bonus card information. If the credit card interrogation machine 75 uses an RF signal in the receiving state 75, the fueler presses the A pre-determined button on the relay device 10 to transmit an RF signal in the form of an _RF signal via the RF transceiver 111 to transmit credit card information and bonus card information. The credit card inquiry: = 70 transmission received via the receiver 75 The payment information of the credit card, the value-added network company (VAN) / card company 40 and 50, and confirm: whether it is easy to approve or not, instead of transmitting the bonus card through the point of sale 21, To Shishi 'is hosted by the company 80. The point of sale 21 installed at the gas station is connected to external gas equipment via a wired LAN and plays a role

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V. Description of the invention (16) The role of correctly calculating the amount of refueling and the amount of money for each refueling device. The beryllium has been approved by the Γ value network company (van) / card company 40 and 50 and one of the customer's bonus points has not reached the point of sale 21, the credit card company host 80 sends ^ to the machine 70 to generate an approval paper article. The refueling person submits the approval note to the relevant customer. In the case where a customer uses a magnetic tape credit card as a settlement device to replace a payment = terminal t, the customer shows his magnetic tape credit + to the fuel 2Ϊ: In ;: In the case where the customer has a bonus card, the bonus card and the Cassette Card-Startup will not stab the fueler. The refueling person presses one of the 鐽 controllers 3, the credit card, and the button in the portable portable relay device 10 to enter a standby state. If the " credit button " on the key manipulator 3 is pressed, the controller 17 in the portable 1G 1G controls the display 15 to display one, the credit card is on standby, and the message is on the display 15. The fueler confirms the internal content of the display 5 in the portable relay device 丨 0, and then reads the customer's credit card for card use via the card reader 12 in the portable relay device 10 Information can be temporarily stored in the memory 18. In this case, a "credit card reception completed" message is displayed on the display 15. In a case where the refueling person has received a bonus card from the customer, the customer presses the portable relay device 1 〇 One of the key controllers ^ one of the "Bonus Card" buttons and makes the portable relay device 10 enter a standby state to receive bonus card information. In this case, a "bonus card" receives a standby I message It is also displayed on the display 15. The fueler reads the customer's bonus card via the card reader 12 in the portable ° relay device 10 so that the bonus information can be temporarily stored in the memory丨 8. If the bonus information has been

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2: Ground, take ‘then’ " Received bonus card " message is set to 10 on the display 15. The refueling person puts this bonus :: at point of sale 21, = = form transfer is temporarily stored in the repeatable relay device i. In order to complete the settlement of a payment. A case where a relay base device 30 uses a wired local area network and a portable relay device 10 together will be described below with reference to FIG. 9. With reference to Fig. 9, the customer in the car refuels at a gas station and pays out via a payment terminal, an -RF card, and a tape credit card. Since the payment method is the same as that in FIG. 8, a detailed description thereof will be omitted. A refueling person holds the portable relay device 10, and at this time, the customer's payment information has been stored in the relay base device 30, and credit card information and bonus card information are transmitted to the relay base device 3. . As mentioned above, there are two transfer methods available. One method is to load the portable relay device 10 into the relay base device 30 so that one connector 20 of the portable relay device 10 and one connector of the relay base device 30 32 contacts. Another other method is to transmit credit card information and bonus card information to a receiver 31 in the relay base device 30 in the form of an RF signal or an I ^ signal. One of the receivers 31 in the relay base device 30 receives the card information and bonus card information transmitted by the portable relay device 10, if the transmitted information is via an RF receiver 31 1 It is transmitted as an RF signal or as an Ir signal via an Ir receiver 3 1 2. The credit card information and bonus card information received by the relay base device 30 are passed through the portable 561429 according to the operation of a switch 3 3

The relay installation is connected to the base installation and the bonus customer's letter and the bonus standard. If approved, the machine will go to the 5th row to put the relevant setting of the 3 0 and send it to the pin. 3 Pass the card information to the card information and the card information. The customer who sells the note makes the relevant information point of sale 21 and the wired interface the point of sale 21 to the value-added network to the oil company base device 30 and the device 30 to a place where the note point 21 is approved. The customer can then confirm to the point of sale 21. Relay base device 300 (I / F) 341 transfer. The point of sale 21 sends a road company (VAN) / card host 80 to send the payment information via the point of sale 21. The fueler or ′ can receive the parent's easy details submitted by the fueler. Between wired LANs. The relay The credit card information issued by the receiving company 40 and 50 for a transaction batch Being notified of the transaction and via a printer The clerk does not need a note from the relay base device to

FIG. 10 shows 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 interface. (1 / 1〇342 forwards the credit card information and bonus card information to the point of sale 2 丨. That is, when a wired local area network is connected between the point of sale 21 and the gas station of the settlement station ' And the refueling settlement of each refueling device is performed by wire, a wireless local area network is connected between the point of sale 21 and the relay base device 30, and therefore the payment information of the customer is wirelessly forwarded. Then, The case without a point-of-sale system will be described below with reference to Fig. 11. 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 credit card inquiry machine installed (CAT) 70 does not need to hand over their credit card to one

Page 26 561429 V. Description of the invention (19) The clerk, and enters the customer's own payment information into the portable relay device 10 held by the clerk. That is, the clerk causes the portable relay device to enter a payment information receiving standby state via the buttons on the key controller 13 in the portable relay device 10 and then the customer receives the payment Information. The customer uses a payment terminal, an RF card or a tape credit card and transmits the payment information to the portable relay device 10 in the form of an Ir or RF signal, or rubs the customer's tape credit card through the portable One of the card readers 12 in the portable relay device 10 directly inputs its credit card information into the portable relay device 10. The portable relay device 10 stores the payment information received by the payment information transceiver 11 or reads it into the memory 18 by the card reader 2. 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 receiver 75 in the credit card inquiry machine 70 by operating the buttons on the key controller 13 in the portable relay device 10 . Both an Ir signal and an rf signal between the portable relay device 10 and the credit card inquiry machine 70 can be used as a communication method. This communication method is determined based on the type of the 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 receives a receipt from the credit card inquiry machine 70 and obtains the customer's signature on the receipt to complete a Settlement of payments.

H9 page 27 561429 5. Description of the invention (20) As mentioned above, the portable relay device and the settlement system using the portable relay device according to the present invention include a card reader and a combination of infrared and radio frequency A payment information transceiver to complete the settlement via a payment terminal or a tape credit card. In this way, the entered credit card information is temporarily stored in the portable relay device. The stored credit card information is transferred to a value-added network company / card company or company host 'after being moved to a checkout station or does not need to be moved to the checkout station via a relay base device over a wireless LAN or A wired LAN is connected to the point of sale in the settlement. As a result, in a situation where a customer is at a considerable distance from a credit settlement station, such as in a gas station, department store, or restaurant, the customer does not need to move ^ the settlement station and can settle the payment at its location to provide — Prevent inconvenience and misuse or illegal use of credit cards by credit exchanges. The disclosure of the present invention is a preferred embodiment, and all local changes or modifications are based on the technical ideas of the present invention. ^ F This technique is easy for those who are skilled in the art. _.

561429 Brief Description of Drawings Figures 1 and 2 are schematic views respectively showing the appearance and internal structure of a portable relay device according to a preferred embodiment of the present invention. 3 and 4 are schematic diagrams respectively showing the appearance and internal structure of the 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, where 'FIG. 5 describes using only one portable relay device In the case, FIG. 6 illustrates the use of a portable repeater set and a repeater base device and the use of a wired LAN.

Schematic diagram of the situation of road connection, and Fig. 7 describes the situation of using a portable repeater and a repeater base device and using wireless LAN connection. 0 Fig. 8 to Fig. 10 are schematic diagrams, which are displayed in A gas station using a point of sale uses a settlement system of a portable relay device according to the present invention, wherein FIG. 8 illustrates a case where only one portable relay device is used, and FIG. G illustrates the use of a portable relay device. Schematic diagram of the case of relay installation and a repeater base device and using a wired LAN connection, and Figure 丨 describes the situation of using a portable repeater installation and a repeater base device and using a wireless LAN connection.

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 561429

Schematic illustration on page 30 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 1 § 15 Power supply 16 Controller 17 Memory 18 Serial 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 34 wired interface 341 wireless interface 342 value-added network company 40 card company 50 department store host 60 credit card inquiry. Ask machine 70 receiver 75 credit card inquiry machine 79 oil company host 80

Claims (1)

561429 6. The payment information transceiver in the scope of patent application includes an infrared transceiver placed on the upper part of the portable relay device so as to easily complete the transmission and reception between the payment terminal and the binding device. Action, and a radio frequency transceiver has a contact surface placed in the appropriate position of the portable relay device, so the card information can be simply read by a radio frequency contact card, and the card reader is configured in the portable The right side of the relay device can easily read a magnetic card. 6 · The portable relay device as described in item 4 of the scope of the patent application, wherein the δ Xuan payment negative transceiver includes an infrared transceiver placed in front of the portable relay device so that it can be easily completed. Transmitting and receiving actions between the payment terminal and the settlement device, and a radio frequency transceiver having a contact surface placed in the appropriate position of the portable repeater device Information, and wherein the card reader is arranged on the right side of the portable relay device so that a magnetic card can be read. 7. The portable relay device as described in item 1 of the scope of patent application, wherein the key manipulator includes a dedicated button corresponding to the settlement card, or a combination of several buttons is used as the settlement card. The buttons are numbers with a password and money. 8. The portable relay device according to item 1 of the scope of patent application, further comprising a display to display the manipulator- / operation status according to the key. Liquor 2 9. The portable relay device described in item 7 of the scope of patent application, 炱 further includes a display to display the _ ^ Sang Zuo Zhi 〆 561429 6. Scope of patent application Operation status. 10. The portable relay device according to item 1 of the scope of patent application, wherein the payment information stored in the memory has been normally received to the settlement device or one of the key controllers. The button has been pressed, the power has been turned off, or the time has expired. In this case, the controller detects the payment information stored in the memory. 11 · The portable relay device according to item 1 of the scope of the patent application, further comprising a relay base device configured between the portable relay device and the settlement device, the relay base device being provided by the The portable relay device receives the payment information and forwards the received payment information to the settlement device. 1 2 · The portable repeater device as described in item 11 of the scope of patent application, wherein the portable repeater device and the repeater base device are directly connected through a connector or wirelessly in order to make the payment Information can be entered by the portable relay device. 1 3 · The portable relay device according to item 2 of the patent application scope, wherein the relay base device includes a receiver for receiving the payment information by the portable relay device, and the receiver includes An infrared receiver is used to receive the payment information in the form of an infrared signal and a radio frequency receiver is used to receive the payment information in the form of a radio frequency signal. 1 4 · The portable relay device described in item 2 of the scope of patent application, wherein the relay base device and the settlement device are connected quickly by wired or wireless means so that the input payment information can be forwarded to the Billing equipment. 15 · The portable relay device as described in item 14 of the scope of patent application, wherein the remote relay base device includes an interface to forward the payment information. Page 33 561429 6. Scope of patent application The interface of the settlement device, and one of the wired interfaces and _ # ^ interfaces on the network includes the use of a wired area interface. Use one of the wireless LANs to connect wirelessly. 6. A kind of payment system. You can use one of the gas stations, restaurants and other places. A relay relay is set up in these places. A customer ^ ^ ^ $ Gan, field distance, the settlement system includes: Medium, M devices' It is made; Shengshi, I I Cheng Cheng is easy to carry, used to use an infrared Light, a radio frequency signal, and _ one hundred, a long-changable magnetic card, etc. in one form / receive and store-payment information, and transfer the dance deposit payment only in the form of the infrared light or the settlement radio frequency signal Information; and seeking approval of a transaction and settlement of payment processing of far payment information received by the receiver, including a receiver for receiving the payment information forwarded by the portable relay device. 17. The settlement system as described in item 16 of the scope of patent application, 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. 18 · If the settlement system described in item 16 of the patent application scope, the portable relay device includes: A portable relay device has a payment information transceiver, which uses an infrared signal or Transmitting and receiving the payment information in the form of a radio frequency number and a ten-reading machine, so that the payment information can be received or picked up and transmitted to the settlement device through the payment information transceiver, and Page 561 429, Patent Application Scope—A relay base device communicates or contacts with 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. 1 9 · The settlement system as described in item 6 of the patent application scope, wherein the portable relay device includes: 'A portable relay device has a payment information transceiver for transmitting an infrared signal or a Transmitting and receiving the payment information in the form of a radio frequency 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 that communicates or contacts the portable relay device by using a wireless local area network to receive the payment information and forward the payment information Page 35