KR100771661B1 - System and method for credit card payment providing credit card slip for retailers using digital signature in goods supply tranactions - Google Patents

Abstract

Disclosed are a credit card payment system and method for providing a credit card slip for a merchant using an electronic signature in a commodity supply transaction. Conventionally, a system and method for paying with a buyer's credit card using a buyer's credit card terminal have been presented in various forms, but there is a problem that a seller has to recover a credit card slip from buyers. The present invention relates to a system and method for outputting a real credit card slip through the seller's credit card terminal and the buyer's credit card terminal at the time of payment using the buyer's credit card terminal. That is, unlike a conventional credit card terminal for the card company, merchants and members are output through the seller's credit card terminal, the present invention is a member's credit card slip in the buyer's credit card terminal, merchants in the seller's credit card terminal Credit card slip is printed out. Therefore, in using the credit card terminal installed on the buyer side as a credit card payment means, the seller can obtain a real credit card slip for the merchant through the credit card terminal installed on the seller side. In addition, since the card company is processed computerized and submitted to the card company, there is an effect that the seller has to submit the actual credit card slip to the credit card company and the associated additional cost.

Credit Card, Member Credit Card Terminal, Merchant Credit Card Terminal

Description

SYSTEM AND METHOD FOR PROVIDING A CREDIT CARD FOR A MERCHANTABILITY DEVICE IN A PRODUCT SUPPLY TRANSACTION

1 is a view for explaining the payment processing of a typical credit card payment system.

2 is a view for explaining a payment process according to an improved form of a conventional credit card payment system.

Figure 3 is a view for explaining a payment processing process through a credit card payment system for providing a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention.

Figure 4 is a view for explaining a credit card payment system for providing a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention.

Figure 5 is a view for explaining a credit card payment method for providing a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention.

*** Explanation of reference numerals for main parts of drawing ***

1: Buyer's credit card 10: Merchant information card

20: credit card terminal for members 30: credit card terminal for merchants

40: credit card inquiry server 50: credit card company server

60: communication network 210: signature input means

The present invention relates to a credit card payment system and method for providing a credit card slip for a merchant using an electronic signature in a goods supply transaction, wherein the buyer's credit card terminal and the merchant's merchant card using the merchant information card are recorded. The present invention relates to a system and method for using a buyer's credit card terminal when paying with a credit card, and allowing a buyer and a seller to simultaneously acquire a real credit card slip.

Generally, a credit card is a card issued to a certain member as a proof of deferring the collection of goods or services for a certain period of time, and a payment system is a payment system that allows a party to close a transaction between trading parties. It's a system that does.

A member who has a contract with a credit card company can purchase a product or service without spending cash by presenting a card issued by the credit card company and signing a slip when purchasing goods or services at a merchant that has signed a credit card merchant contract. The purchase price of goods or services is automatically transferred from the credit card company's account to the merchant account after a certain period of sales through the credit card company's bank. Merchants of credit card companies may be stores that sell goods or services such as department stores, specialty stores, restaurants, hotels, golf courses, travel agencies, gas stations.

A payment method using a conventional credit card will be described in more detail.

Referring to the drawing for explaining a payment processing process of a typical credit card payment system, a conventional credit card payment method, first, a buyer purchases a product from a seller, issued by a credit card company for payment of a purchase price Present the credit card to the seller. A seller who has entered into a franchise agreement with a credit card company requests a transaction approval to a credit card company through a value-added communication network (VAN) by means of a credit card terminal installed at a seller's business store.

At this time, the credit card terminal installed in the seller's business store transmits the unique terminal number assigned by the value-added network operator together with the buyer's credit card information and payment information (price amount, etc.). The system of the value added network operator can recognize the seller supplying the goods using the unique terminal number transmitted.

The value-added network operator's system receives a transaction approval response for the buyer's credit card from the credit card company, and sends it to the credit card terminal of the seller who requested the transaction approval. When the seller's credit card terminal receives a transaction approval request, the seller's merchant name, merchant number, representative name, business registration number, and terminal number, slip number, membership number, card type, slip purchase company, authorization number, etc. Print a set of 3 credit card slips (for card companies, merchants, and members) printed with your address.

The credit card company pays the price of the goods described in the credit card slip to the seller, and collects the price of the goods from the buyer who purchased the goods. This completes the payment process of the product payment using the credit card between the buyer, seller, and credit card companies.

However, the conventional payment method for a commodity price using a credit card facilitates the recovery of the merchandise sales price of a seller having a credit card terminal, and there is an inefficient problem when the seller is supplied with a commodity for a merchandise sales business.

For example, when a pharmacy manager receives medicines for sale from a pharmaceutical company or the like and pays for the medicines, the pharmaceutical company carries a credit card terminal (for mobile use) registered in its name. By doing so, or through the pharmacy, the manager has a inconvenience to move to the place where the credit card terminal registered in the name of the pharmaceutical company, etc. are settled.

In order to solve such a problem, a system and method using a credit card terminal of a buyer has been proposed as illustrated in the drawing for explaining a payment processing process according to an improved form of a conventional credit card payment system.

Specifically, when a seller supplies goods to a buyer with a credit card terminal, and the buyer indicates a willingness to pay with a credit card carrying the goods, the information stored in the card for the virtual terminal possessed by the seller (virtual terminal) Number, etc.) and the information stored on the credit card possessed by the buyer (card number, etc.) are transferred to VAN's payment system that provided the buyer's credit card terminal using the buyer's credit card terminal to request transaction approval.

VAN payment system receives the terminal number, virtual terminal number, credit card information and transaction history information from the buyer's credit card terminal, and retrieves the virtual terminal record corresponding to the virtual terminal number from the virtual terminal database by using the virtual terminal number as a key. do. At this time, if there is a virtual terminal record that matches the virtual terminal number, it is recognized as a transaction approval request by a legitimate supplier and authenticates the buyer's credit card terminal as a virtual provider terminal.

In addition, the VAN payment system retransmits the transaction approval request to the credit card company system by adding the supplier information of the virtual terminal record searched by the unique identification number to the transaction approval request including the credit card information and the transaction history information.

The credit card company system checks whether the supplier is affiliated with the supplier database and the purchaser's credit card is used in the affiliated supplier database and the buyer's database. The transaction approval response is transmitted to the virtual terminal payment system.

The VAN payment system retransmits the transaction approval response received from the credit card company system to the buyer's credit card terminal. The credit card payment terminal receives the transaction approval response from the VAN company payment system, and provides the virtual terminal number, the document number, the member number, the card type, the document purchaser, and the authorization number through the buyer's credit card payment terminal. Print out the credit card slip printed with the merchant name, merchant number, representative name, business registration number and address.

The credit card company pays the supplier for the goods described in the credit card slip and collects the goods from the buyer who received the goods. As a result, the payment process for goods using the card for the virtual terminal is completed between the buyer with the credit card, the supplier who supplied the goods to the buyer, and the credit card company.

In such a case, there is an advantage of using the buyer's credit card terminal, but this also has the biggest problem that the seller has to recover merchants for credit card slips, because the credit card slip is printed out in three pieces as in the prior art. This relatively complex has a problem that greatly increases the cost of building the system.

The present invention was devised to solve the above problems and can provide a real credit card slip to a buyer for a member and a merchant for a merchant while using the credit card terminal of the buyer as a payment method using a credit card. The aim is to provide a credit card payment system and method that does not require the seller to provide additional information.

In order to achieve the technical problem to be achieved by the above invention, the credit card payment system that provides a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention is a credit card payment system for merchants, Merchant information card recorded the terminal information of; A signature input means for inputting a member's signature is provided with a touch screen, receives a signature from the member, and transmits the signature to a credit card inquiry server through a communication network, and the credit card from the merchant information and the credit card read from the merchant information card. Credit card terminal for sending information to the credit card inquiry server through the network and reading the credit card information and the inputted payment information, and printing the printed information received from the credit card inquiry server on the member's credit card slip ; A merchant credit card terminal connected to the communication network to print and print the print information received from the credit card inquiry server on the merchant credit card slip; The member credit card terminal and the merchant credit card terminal and the credit card company server connected to the communication network, and receives the merchant information from the member credit card terminal to determine the merchant, and received from the member credit card terminal After sending the information to the credit card company server for approval request, upon approval, the signature request signal is transmitted to the member credit card terminal, and the signature inputted through the member credit card terminal is received and stored. A credit card inquiry server which transmits the print information including the signature to the member credit card terminal and the merchant credit card terminal, or transmits an error code to the member credit card terminal when not authorized; The credit card inquiry server is connected to a communication network, and receives merchant information, credit card information, and payment amount information from the credit card inquiry server, and checks whether the payment amount information is approved through the inquiry according to the credit card information. Credit card company server for transmitting to the inquiry server; And a communication network providing a data transmission path between the member credit card terminal, a merchant credit card terminal, a credit card inquiry server, and a credit card company server.

In addition, the credit card query server stores the print information sent to the member credit card terminal and the merchant credit card terminal, the payment completion database for transmitting it to the credit card company server; characterized in that it further comprises a; .

Credit card payment method for providing a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention through the system as described above merchant card, member credit card terminal, merchant credit card terminal, credit card inquiry In a credit card inquiry method through a system consisting of a server, a credit card company server and a communication network, (a) inputting merchant information credit card information and payment amount information through the member credit card terminal, and to the credit card inquiry server An information input step of transmitting; (b) confirming and specifying the affiliate store by receiving the affiliate store information input in the step (a), receiving the credit card information and the payment amount information input in the step (a), transferring the information to the credit card company server, and receiving the credit card; A transaction approval request step of requesting a transaction approval through; (c) an approval result receiving step of receiving the result of step (b) from the credit card company server from the credit card company server; (d) an approval result confirming step of notifying the approval result or requesting signature input through the member credit card terminal according to the approval result received in step (c); (e) a printing information generating step of generating printing information including the input signature received from the credit card inquiry server when the signature is inputted normally when the signature is input in the step (d); And (f) transferring the print information generated in step (e) to the member credit card terminal and the merchant credit card terminal specified in step (b), and printing them through each terminal. Output step; characterized in that it comprises a.

The method may further include storing the print information in a database after step (f) and transmitting the print information to a credit card company server.

Hereinafter, with reference to the accompanying drawings will be described in detail a credit card payment system and method for providing a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention.

3 is a view illustrating a payment processing process through a credit card payment system that provides a credit card slip for a merchant using an electronic signature in the goods supply transaction of the present invention. As shown in FIG. 3, a credit card terminal for a member and a credit card terminal for a merchant are firstly divided to enable a credit card settlement process according to the present invention, and the member credit card terminal has a means for receiving a signature. Is provided, the credit card query company that provides credit card inquiry service is provided with a credit card inquiry server, the credit card company also has a credit card company server, they are connected to the communication network to transmit and receive data.

In the above state, when the purchaser with the member credit card terminal is supplied with the product from the seller having the merchant credit card terminal, the seller provides the merchant information card with the supply of the product, and the buyer the merchant information card. And the buyer's credit card to read the information through the member's credit card terminal, and enter the payment amount.

That is, merchant information, credit card information, payment amount information is input, the input information is transmitted to the credit card inquiry server through the communication network, the credit card inquiry server received the confirmation of the merchant through the merchant information, the member Credit card information and payment amount information entered through the credit card terminal provided by the credit card company server to request the transaction approval. In response, the credit card company server sends a result of the transaction approval to the credit card inquiry server after the verification process according to the transaction approval.

After receiving the transaction approval response, the credit card inquiry server transmits the transaction approval result to the credit card terminal for the purchaser's member. In this case, if the transaction is not approved, an error code corresponding error code is transmitted. If the transaction is normally approved, a signature input is required. At this time, when the signature is input through the signature input means provided in the member credit card terminal, it is received by the credit card inquiry server, and the print information including the signature is generated and transmitted to the member credit card terminal and the merchant credit card terminal. do.

As a result, the purchaser obtains the member's credit card slip, and the seller acquires the merchant's credit card slip.

4 to 5, the system and method according to the present invention will be described in more detail.

4 is a view for explaining a credit card payment system for providing a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention. As shown in FIG. 4, the system according to the present invention includes a merchant information card 10, a member credit card terminal 20, 20-1, 20-2, 20-3, and a merchant credit card terminal 30. 30-1 and 30-2), the credit card inquiry server 40, the credit card company server 50, and the communication network 60 are configured.

The merchant information card 10 has a number that can be recognized as a credit card terminal of the merchant is recorded, the credit card inquiry server 40 through the merchant information recorded in the merchant information card 10 to check the merchant To be specified. That is, the merchant credit card terminal is specified through the merchant information. For example, the identification code of the 'A' merchant credit card terminal 30 is '1200', the identification code of the 'B' merchant credit card terminal 30-1 is '1201', 'C' for merchants If the identification code of the credit card terminal 30-2 is '1202', the information according to the identification code is stored in the credit card inquiry server 40, and at the same time the merchant information card 10 is the identification code Either of them is recorded. That is, '1200' is recorded in the case of the merchant information card of the 'A' merchant and '1201' is recorded in the case of the merchant information card of the 'B' merchant.

In such a state, the identification code '1200' is read out from the merchant information card 10-2 in which the identification code '1200' of the 'A' merchant is recorded through the 'C' member credit card terminal 20-2. When the credit card inquiry server 40 is transmitted, the credit card inquiry server 40 identifies the merchant credit card terminal as the 'A' merchant credit card terminal 30 through the identification code '1200'.

Therefore, the credit card inquiry server 40 specifies a member credit card terminal at the time of receiving the information, and specifies the credit card terminal for the merchant through the received information.

At this time, the identification code of the affiliated store information is preferably assigned to each affiliated store by the credit card inquiry server 40, but is not necessarily limited thereto.

The member credit card terminal 20 has a structure and a function similar to that of a conventional credit card terminal, but the characteristic includes a signature input means 210 for inputting a signature and the signature input. The signature entered through the means 210 may be printed on the signature column of the credit card slip. At this time, the signature input means 210 is a structure having a touch screen, it is preferable to receive the signature of the credit card member using a stylus pen.

Such a member credit card terminal is connected to the credit card inquiry server 40 and the communication network 60 to read the merchant information and credit card information from the merchant information card and credit card, and receives the payment amount information The merchant information, credit card information and payment amount information are transmitted to the credit card inquiry server 40 through the communication network 60, and the authorization result is received from the credit card inquiry server 40. Accordingly, upon approval, a signature input is required, and when a signature is input, the signature is input to the credit card inquiry server 40, and finally, the print information including the signature is received from the credit card inquiry server 40. Print out the member's credit card slip.

The merchant credit card terminal (30, ...) is a means for printing the signature entered through the signature input means 210 in the signature column of the credit card slip, the form is in the communication network (60) A printer device that can be connected to receive predetermined data and print it on a credit card slip or a printer that can be connected to a computer connected to the communication network 60 to receive print information and print on a credit card slip. It may be in the form of a device or similar to a conventional credit card terminal.

That is, the merchant credit card terminal of the present invention may be any type as long as it can receive data and print it on a credit card slip.

Such a merchant credit card terminal is connected to the credit card inquiry server 40 and the communication network 60, the signature from the credit card inquiry server 40 when the normal authorization is made through the merchant information card and credit card Receiving the included information, that is, the same information as the print information sent to the member's credit card terminal and outputs the member's signature printed credit card slip.

The credit card inquiry server 40 is functionally similar to a server of a conventional credit card inquiry system, but the characteristic is that it stores an identification code for specifying a plurality of merchant credit card terminals and the identification code. Through the credit card terminal for merchants can be specified. In addition, it stores the print information sent to the member credit card terminal and the merchant credit card terminal, characterized in that it further comprises a payment completion database for transmitting it to the credit card company server (50).

The credit card inquiry server 40 is connected to the plurality of member credit card terminals, the plurality of merchant credit card terminals and credit card company server 50 through the communication network 60, the member credit card Receive merchant information, credit card information and payment amount information transmitted from the terminals (20, 20-1, ...), and transmits the received information to the credit card company server 50 for the authorization request, Receives a result from the credit card company server 50, and specifies the merchant credit card terminal according to the merchant information. According to the received result, the credit card inquiry server 40 notifies the received result for each member's credit card terminal. If the approval is not made, the credit card inquiry server 40 transmits the corresponding error code, and if it is approved, signals the signature input request. Send it. If the member's signature is input through the member's credit card terminal, it receives and generates print information including the member's signature, and transmits it to the member's credit card terminal and the merchant's credit card terminal.

At this time, the print information including the signature is stored and managed in the payment completion database, each time or a predetermined period of time to transmit to the credit card company server 50 through the communication network 60 for the credit card slip of the card company To be replaced.

The credit card company server 50 is operated by a credit card company and is connected to the credit card inquiry server 40 through the communication network 60 from the credit card inquiry server 40 from the merchant information, credit card information and payment amount information. Receives, and the approval request through the computer processing for the approval request through the information of the credit card query server 40 determines the notification to the credit card query server 40.

In particular, the credit card company server 50 receives the information stored in the payment completion database of the credit card query server 40, thereby processing to have the same effect as the credit card slip for the card company normally received by the credit card company.

The communication network 60 is a value-added communication network (VAN) that provides a data transmission path between a plurality of member credit card terminals, a plurality of merchant credit card terminals, a credit card inquiry server 40 and a credit card company server 50. The value added network (VAN) may be the Internet, a leased line, a public telephone network (PSTN), or a public data network (PSDN).

5 is a view for explaining a credit card payment method for providing a credit card slip for merchants using an electronic signature in the goods supply transaction of the present invention. As shown in FIG. 5, a credit card payment method for providing a credit card slip for an affiliated store using an electronic signature in a goods supply transaction may include a merchant information card, a member credit card terminal, and a merchant credit card as described above. Credit card inquiry method through a system consisting of a terminal, a credit card inquiry server, a credit card company server and a communication network, information input step (S10), transaction approval request step (S20), approval result receiving step (S30), approval result confirmation step (S40), print information generation step (S50) and credit card slip output step (S60) is characterized in that it comprises a.

The method may further include providing printing information after the credit card slip output step (S60).

In the information input step (S10), the merchant information card and credit card are read through the member credit card terminal, and the payment amount information is input, the merchant information read from the merchant information card and the credit card read from the credit card. Information and the input payment amount information are transmitted to the credit card company server through a communication network.

The transaction approval request step (S20) receives the information transmitted from the member credit card terminal, transmits it to the credit card company server and requests a transaction approval. At this time, the credit card inquiry server specifies a credit card terminal for a merchant through the affiliated store information in the transaction approval request step (S20).

In the approval result receiving step (S30), the credit card inquiry server receives a result of the transaction approval request from the credit card company server.

In the approval result checking step (S40), the credit card inquiry server transmits the transaction approval result received in the approval result receiving step (S30) to the member credit card terminal. At this time, if the result is not approved, the corresponding error code is transmitted, and if it is approved, the signature input request code is transmitted.

In the printing information generating step (S50), when the signature input request code is transmitted from the credit card inquiry server to the member credit card terminal in the approval result confirming step (S40), the signature is provided to the member credit card terminal for the member. When the signature is input through the input means, the credit card inquiry server receives the generated credit information to be printed on the credit card slip, and transmits it to the member credit card terminal and merchant credit card terminal.

In this case, the print information includes character information printed on a credit card slip and image information on which a signature of a member inputted through the signature input means is printed in a signature column of a credit card slip.

 The credit card slip output step (S60) receives the print information generated and transmitted in the print information generation step (S50) at the member credit card terminal and the merchant credit card terminal, respectively, and prints the print information on the credit card slip. To output.

At this time, the member credit card terminal is printed on the member credit card slip with the signature printed, the merchant credit card terminal is printed on the merchant credit card slip printed on the name.

This allows buyers and sellers to obtain a physical credit card slip from each other at a distance.

Further, in the printing information providing step, after the credit card slip output step (S60), that is, when the payment processing using the credit card is completed, the credit card inquiry server is transmitted to the member credit card terminal and merchant credit card terminal. A print information is transmitted to a credit card company server through a communication network and provided to the credit card company. This replaces the credit card company's normal credit card slip.

As described above, a credit card payment system and method for providing a credit card slip for a merchant using an electronic signature in the goods supply transaction of the present invention uses a buyer's credit card terminal as a payment method while a seller and a buyer are separated from each other. The system and method can provide the actual credit card slip for the buyer and the merchant for the merchant, respectively, eliminating the need for the seller to collect the credit card slip for the merchant. This eliminates the hassle of submitting credit card slips for card companies.

Claims (4)

In credit card payment system, A merchant information card in which terminal information of a merchant credit card terminal is recorded; In order to receive the signature of the member, the user has a touch screen as a signature input means, receives a signature from the member, transmits the signature to the credit card inquiry server through a communication network, and reads from the merchant information and the credit card read from the merchant information card. A credit card terminal for transmitting the credit card information and the input payment amount information to a credit card inquiry server through a communication network, and printing and outputting a member credit card slip with print information received from the credit card inquiry server; A merchant credit card terminal connected to a communication network to print and output a merchant credit card slip with print information received from a credit card inquiry server; The member credit card terminal and the merchant credit card terminal and the credit card company server connected to the communication network, and receives the merchant information from the member credit card terminal to determine the merchant, and received from the member credit card terminal After sending the information to the credit card company server for approval request, upon approval, the signature request signal is transmitted to the member credit card terminal, and the signature inputted through the member credit card terminal is received and stored. The printing information including the signature is transmitted to the member credit card terminal and the merchant credit card terminal, or, when not approved, an error code is sent to the member credit card terminal, and the member credit card terminal and the merchant To store print information sent to a credit card terminal and transmit it to a credit card company server A credit card inquiry server including a payment completion database; The credit card inquiry server is connected to a communication network, and receives merchant information, credit card information, and payment amount information from the credit card inquiry server, and checks whether the payment amount information is approved through the inquiry according to the credit card information. Credit card company server for transmitting to the inquiry server; And Credit card terminal for merchants, credit card terminal for merchants, credit card inquiry server, a communication network for providing a data transmission path between the credit card company server; credits for merchants using the electronic signature in the goods supply transaction comprising a Credit card payment system that provides a card slip. delete In a credit card inquiry method through a system consisting of a merchant information card, a member credit card terminal, a merchant credit card terminal, a credit card inquiry server, a credit card company server and a communication network, (a) an information input step of inputting merchant information credit card information and payment amount information through the member credit card terminal and transmitting the same to the credit card inquiry server; (b) Receiving and specifying the affiliated store by receiving the affiliated store information input in the step (a), receiving the affiliated store information, the credit card information and the payment amount information input in the step (a) and forwarding it to the credit card company server A transaction approval request step of requesting a transaction approval through a credit card; (c) an approval result receiving step of receiving the result of step (b) from the credit card company server from the credit card company server; (d) an approval result confirming step of notifying the approval result or requesting signature input through the member credit card terminal according to the approval result received in step (c); (e) a printing information generating step of generating printing information including the input signature received from the credit card inquiry server when the signature is inputted normally when the signature is input in the step (d); And (f) transmitting the print information generated in step (e) to the member credit card terminal and the merchant credit card terminal specified in step (b), and outputting the credit card slip to print through each terminal. Credit card payment method for providing a credit card slip for merchants using an electronic signature in the goods supply transaction comprising a. The method of claim 3, After the step (f), the print information is stored in a database, the print information providing step of transmitting this to the credit card company server; in the product supply transaction, characterized in that it further comprises a credit for merchants using the electronic signature A credit card payment method that provides a card slip.

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