본 발명은 근거리무선통신(블루투스〈Bouetooth〉,적외선통신 등으로 가까운 거리에 있는 단말기간을 무선으로 통신하는 것으로 이하 근거리무선통신이라 한다)이 가능한 카드체크기와 근거리무선통신이 가능하고 신용카드조회 기능을 내장한 판매자의 이동통신단말기(휴대폰,PDA등의 개인휴대무선전화기로 이하 이동통신 단말기라 한다)를 이용한 신용카드 결제장치 및 결제방법에 관한 것이다.The present invention provides a card checker capable of short-range wireless communication (hereinafter referred to as short-range wireless communication by wirelessly communicating between terminals in close proximity such as Bluetooth < RTI ID = 0.0 > Bouetooth < / RTI > The present invention relates to a credit card payment device and a payment method using a mobile communication terminal (hereinafter referred to as a mobile communication terminal) of a personal mobile wireless telephone such as a mobile phone and a PDA.
종래의 신용카드 결제 방법은 도3에 도시된 바와 같이 구매자가 물품대금을 신용카드로 결제 할 것을 요구하면 판매자는 카드체크기를 통해 구매자의 신용카드 정보(카드번호,유효기간등)를 유선망을 통해 VAN사업자에게 통보하고 VAN사업자는 전용망을 통해 해당 신용카드 회사에 구매자의 신용카드 정보를 보내고 결제 승인을 요구하면 신용카드 회사는 승인결과(승인 또는 불승인)를 VAN사업자에게 전용망을 이용해 전달하고 다시 VAN사업자는 전달받은 승인 결과를 유선망을 통해 판매자에게 통보하면 판매자는 승인 결과를 프린터하여 구매자에게 확인을 거친 후 신용거래영수증을 발급한다.In the conventional credit card payment method, as shown in FIG. 3, when the buyer requests the payment of the goods with a credit card, the seller sends the buyer's credit card information (card number, expiration date, etc.) through the wired network. If the VAN service provider is notified and the VAN service provider sends the buyer's credit card information to the credit card company through a private network and requests payment approval, the credit card company delivers the approval result (approved or disapproved) to the VAN service provider using the private network. When the operator notifies the seller of the approval result through the wired network, the seller prints the approval result and confirms it to the buyer and issues a credit receipt.
이러한 종래의 신용카드 결제시스템에서는 판매자는 고가의 신용카드 체크기를 구매해야 되고 카드체크기의 인쇄용지를 갈아 끼워야 되는 불편한점이 있었다.In the conventional credit card payment system, the seller had to purchase an expensive credit card checker and had to change the printing paper of the card size.
본 발명은 상술한 종래의 문제점을 해결하기 위한 것으로, 구매자의 신용카드를 근거리무선통신이 가능한 카드체크기로 판독하여 근거리무선통신을 이용하여 판매자의 이동통신단말기로 신용카드 정보를 전송하면, 판매자는 구매자의 신용카드 정보(카드번호,유효기간등)에 가맹점 코드, 물품대금, 할부개월 수 등을 추가하여 판매자의 이동통신단말기로 이동통신의 메시지 기능을 이용하여 신용카드 결제장치로 신용카드 결제승인을 요구하면 신용카드 결제장치는 전용선을 통해 해당 신용카드회사로 결제 승인 요청을 한다. 신용카드회사는 결제 승인 요구에 대한 승인 결과(승인 또는 불승인)를 전용선을 통해 신용카드 결제장치로 보낸다. 신용카드 결제장치는 승인 결과를 이동통신망의 메시지 기능을 이용하여 판매자의 이동통신단말기 및 미리 지정해 놓은 구매자의 이동통신단말기로 동시에 통보 해 줌으로써 판매자가 고가의 카드체크기를 구매해야되는 부담과 카드체크기의 인쇄용지를 갈아 끼우는 불편한 점이 없이 신용카드결제가 이루어 지도록 하는 것을 목적으로 한다.The present invention is to solve the above-described problems, the seller reads the credit card of the buyer with a card checker capable of short-range wireless communication and transfers the credit card information to the seller's mobile communication terminal using the short-range wireless communication, the seller Authorizes the credit card payment with the credit card payment device using the message function of the mobile communication terminal by adding the merchant code, the price of goods, and the installment month number to the buyer's credit card information (card number, expiration date, etc.) If you request a credit card payment device requests a payment authorization to the credit card company over a dedicated line. The credit card company sends the approval result (approval or disapproval) for the payment authorization request to the credit card payment device through a leased line. The credit card payment system notifies the seller of the expensive card size and the burden of having to purchase an expensive card size by simultaneously notifying the result of the approval to the seller's mobile terminal and the pre-designated buyer's mobile terminal using the message function of the mobile network. It aims to make credit card payment without any inconvenience to change printing paper.
도1은 근거리무선통신 기능이 장착된 카드체크기 및 이동통신단말기를 이용한 신용카드 결제장치 및 결제방법을 설명하기 위한 개략적인 네트워크 구성도1 is a schematic network diagram illustrating a credit card payment device and a payment method using a card size check and a mobile communication terminal equipped with a short-range wireless communication function;
도2는 근거리무선통신 기능이 장착된 카드체크기 및 이동통신단말기를 이용한 신용카드 결제방법을 설명하기 위한 절차도2 is a procedure for explaining a credit card payment method using a card size check and a mobile communication terminal equipped with a short-range wireless communication function;
도3은 종래의 신용카드 결제 방법을 설명하기 위한 구성도Figure 3 is a block diagram for explaining a conventional credit card payment method
도4는 신용카드 결제장치의 상세 구성도4 is a detailed configuration diagram of a credit card payment device
도5는 신용카드 결제장치의 하드디스크(고객정보) 저장내용Figure 5 shows the contents of the hard disk (customer information) of the credit card payment device
도6은 근거리무선통신 기능이 장착된 카드체크기의 사시도Figure 6 is a perspective view of a card size equipped with a near field communication function
도7은 근거리무선통신 기능이 장착된 카드체크기의 내부 구성을 도시한 블록도7 is a block diagram showing an internal configuration of a card size checker equipped with a near field communication function;
〈도1에서 각 통신방식에 대한 설명〉<Description of each communication method in FIG. 1>
ⓐ 근거리무선통신(블루투스,적외선통신등)을 이용한 통신Ⓐ Communication using short-range wireless communication (Bluetooth, infrared communication, etc.)
ⓑ 이통통신의 메시지통신 기능을 이용한 통신Ⓑ Communication using message communication function of telecommunication
ⓒ 전용선을 이용한 통신Ⓒ Communication using dedicated line
〈도면의 주요부분에 대한 부호의 설명〉<Explanation of symbols for main parts of drawing>
10 : 카드체크기 11 : 카드입력부10: card size 11: card input unit
12 : 카드판독부 13 : 근거리무선통신접속부12: card reader 13: short-range wireless communication connection
20 : 판매자 이동통신단말기 30 : 이동통신망20: seller mobile communication terminal 30: mobile communication network
40 : 신용카드 결제장치 41 : 메시지처리부40: credit card payment device 41: message processing unit
42 : 고객관리시스템 50 : 카드회사 컴퓨터42: customer management system 50: card company computer
60 : 은행컴퓨터 70 : 구매자 이동통신단말기60: bank computer 70: buyer mobile communication terminal
상기와 같은 목적을 달성하기위한 본 발명에 따르면, 구매자의 신용카드로 물품 대금을 결제 함에 있어서, 구매자의 신용카드를 판독하여 근거리 무선통신을 이용하여 판매자의 이동통신단말기로 신용카드 정보(카드번호,유효기간등)를 전송하는 카드체크기와 카드체크기로부터 근거리무선통신을 통해 받은 구매자의 신용카드 정보에 가맹점 코드, 물품대금, 할부개월 수 등을 추가하여 이동통신의 메시지 기능을 이용하여 신용카드 결제장치로 결제 승인을 요청하는 신용카드 조회 기능을 내장한 판매자의 이동통신단말기와 판매자의 이동통신단말기로부터 수신된 신용카드 결제승인 요구를 해당 신용카드 회사로 보내고 신용카드 회사로부터 결제 승인결과를 받아서 판매자의 이동통신단말기 및 미리 지정해 놓은 구매자의 이동통신단말기로 결제 승인 결과를 이동통신의 메시지 기능을 이용하여 동시에 통보해 주는 신용카드 결제장치에 의해 달성된다.According to the present invention for achieving the above object, in paying the price of the goods with the buyer's credit card, the buyer's credit card information (card number) to the seller's mobile communication terminal by using the short-range wireless communication by reading the buyer's credit card Credit card payment using the message function of the mobile communication by adding the merchant code, the price of the goods, the number of installment months, etc. to the purchaser's credit card information received through short-range wireless communication from the card size and the card size. Send the credit card payment authorization request received from the seller's mobile terminal and the seller's mobile terminal with the credit card inquiry function to request payment approval to the device, and receive the payment approval result from the credit card company. Pay with your mobile device and your pre-assigned mobile device It is achieved by a credit card payment device that simultaneously notifies the approval result using the message function of the mobile communication.
이하 본 발명의 바람직한 실시 예를 첨부도면을 참조하여 자세히 설명한다. 도면에서 도1은 근거리무선통신 기능이 장착된 카드체크기 및 이동통신단말기를 이용한 신용카드 결제장치 및 결제방법 을 설명하기 위한 개략적인 네트워크 구성도 이고, 도2는 근거리무선통신 기능이 장착된 카드체크기 및 이동통신 단말기를 이용한 신용카드 결제방법을 설명하기 위한 절차도 이고, 도3은 종래의 신용카드 결제 방법을 설명하기 위한 구성도 이고, 도4는 신용카드 결제장치의 상세 구성도 이고, 도5는 신용카드 결제장치의 하드디스크(고객정보) 저장내용을 도시한것이고, 도6은 근거리무선통신 기능이 장착된 카드체크기의 사시도 이고, 도7은 근거리무선통신 기능이 장착된 카드체크기의 내부 구성을 도시한 블록도 이다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 is a schematic network diagram illustrating a credit card payment device and a payment method using a card size check and a mobile communication terminal equipped with a short range wireless communication function, and FIG. 2 is a card size check box equipped with a short range wireless communication function. And a procedure for explaining a credit card payment method using a mobile communication terminal, FIG. 3 is a configuration diagram for explaining a conventional credit card payment method, FIG. 4 is a detailed configuration diagram of a credit card payment device, and FIG. Figure 7 shows the contents of the hard disk (customer information) of the credit card payment device, Figure 6 is a perspective view of a card checker equipped with a near field wireless communication function, Figure 7 is a block diagram of the internal structure of the card checker equipped with a short-range wireless communication function It is a block diagram shown.
도1에 도시된 바와 같이 본 발명의 구성은 카드체크기(10), 판매자 이동통신단말기(20), 이동통신망(30), 신용카드 결제장치(40), 신용카드회사컴퓨터(50) 및 각 은행의 컴퓨터(60)로 구성되어 있다.As shown in FIG. 1, the configuration of the present invention includes a card size checker 10, a seller mobile communication terminal 20, a mobile communication network 30, a credit card payment device 40, a credit card company computer 50, and each bank. It consists of the computer 60 of.
먼저 본 발명의 목적을 달성하기위한 장치들인 카드체크기(10), 판매자 이동통신단말기(20) 및 신용카드 결제장치(40)의 기능에 대해 상세하게 설명하면First, the functions of the card checker 10, the seller mobile communication terminal 20 and the credit card payment device 40, which are devices for achieving the object of the present invention will be described in detail.
첫째, 카드체크기(10)는 구매자가 물품대금을 신용카드로 결제 요구시 구매자의 신용카드 정보(카드번호,유효기간등)를 판독하여 판매자의 이동통신단말기(20)로 근거리무선통신을 통해 전달하는 기능을 수행한다.First, the card size checker 10 reads the buyer's credit card information (card number, expiration date, etc.) when the buyer requests payment of the goods with a credit card and delivers it to the seller's mobile communication terminal 20 through short-range wireless communication. It performs the function.
둘째, 판매자의 이동통신단말기(20)는 근거리무선통신 및 신용카드 조회기능이 가능한 것으로, 가맹점 코드를 해당 신용카드 회사로부터 사전에 승인을 받아 판매자의 이동통신단말기(20)에 입력하여 놓고, 구매자의 신용카드 정보를 카드체크기(10)로 부터 근거리무선통신을 통해 받아 가맹점 코드, 물품대금, 할부개월 수 등을 추가하여 이동통신의 메시지기능을 이용하여 신용카드 결제장치(40)로 보내고 결제 승인 결과(승인 또는 불승인)를 신용카드 결제장치(40)로부터 이동통신(30)의 메시지 기능을 통하여 받는 기능을 한다.Second, the mobile communication terminal 20 of the seller is capable of short-range wireless communication and credit card inquiry function, and enters the merchant code into the seller's mobile communication terminal 20 after receiving the approval from the credit card company in advance, and the buyer Receives credit card information from the card size checker (10) through short-range wireless communication, adds the merchant code, the price of goods, the number of installments, etc. to the credit card payment device 40 using the message function of mobile communication, and approves the payment. It receives a result (approved or disapproved) from the credit card payment device 40 through the message function of the mobile communication (30).
셋째, 신용카드 결제장치(40)는 판매자의 이동통신단말기(20)로부터 받은 결제 승인 요구를 전용선을 통하여 해당 신용카드회사(50)로 보내고 신용카드회사(50)로부터 결제 승인 결과를 받아 판매자의 이동통신 단말기(20)와 미리지정해 놓은 구매자의 이동통신단말기(70)로 결제 승인결과를 이동통신(30)의 메시지 기능을 이용하여 두 이동통신단말기로 동시에 전달하는 기능과 구매자의 물품대금을 신용카드회사(50)로 청구하여 물품대금을 판매자의 은행계좌로 입금시키는 물품대금 정산 기능을 수행한다.Third, the credit card payment device 40 sends the payment approval request received from the mobile communication terminal 20 of the seller to the corresponding credit card company 50 through a dedicated line and receives the payment approval result from the credit card company 50. The function of delivering the payment approval result to the mobile communication terminal 70 and the purchaser's mobile communication terminal 70 previously designated to the two mobile communication terminals at the same time by using the message function of the mobile communication 30 and crediting the price of the buyer's goods It bills to the card company 50 and performs the function of settling the goods price to deposit the goods price to the seller's bank account.
도2는 근거리무선통신 기능이 장착된 카드체크기 및 이동통신 단말기를 이용한 신용카드 결제방법을 설명하기 위한 절차도로 본 발명에서 제시하는 카드체크기 및 이동통신단말기를 이용한 신용카드 결제 방법을 자세히 설명하면 다음과 같다.Figure 2 is a procedure for explaining a credit card payment method using a card size and a mobile communication terminal equipped with a short-range wireless communication function described in detail the credit card payment method using the card size and the mobile communication terminal presented in the present invention Same as
구매자의 신용카드정보(카드번호,유효기간등)를 카드체크기(10)로 판독하여 근거리무선통신을 통해 판매자의 이동통신단말기(20)로 보낸다(과정①). 판매자는 카드체크기(10)로부터 근거리무선통신을 통해 받은 구매자의 신용카드 정보에 가맹점코드, 물품대금, 할부개월 수 등을 추가하여 판매자 이동통신단말기(20)의 메시지 기능을 이용하여 신용카드 결제장치(40)의 메세지처리부(41)로 보낸다(과정②). 신용카드 결제장치(40)의 메시지 처리부(41)는 판매자의 이동통신단말기(20)로부터 받은 결제 승인 요구를 전용선을 통하여 해당 신용카드회사(50)로 보낸다(과정③). 신용카드회사(50)는 결제 승인 요구에 대한 결제 승인 결과(승인 또는 불승인)를 전용선을 통해 신용카드 결제장치(40)의 메세지처리부(41)로 보낸다(과정④). 신용카드 결제장치(40)의 메세지처리부(41)는 신용카드회사(50)로부터 받은 결제 승인 결과를 이동통신(30)의 메세지 기능을 이용하여 판매자의 이동통신단말기(20)와 미리 지정한 구매자의 이동통신단말기(70)로 동시에 승인 결과를 보냄(과정⑤)으로써 근거리무선통신 기능이 내장된 카드체크기 및 이동통신단말기를 이용한 신용카드 결제가 이루어 진다. 마지막으로 신용카드 결제장치(40)의 고객관리시스템(42)은 구매자의 물품대금을 신용카드회사(50)에 청구하고(과정⑥) 그 물품대금을 판매자의 은행계좌로 입금 시킨다(과정⑦).The purchaser's credit card information (card number, expiration date, etc.) is read by the card check size 10 and sent to the mobile communication terminal 20 of the seller through short-range wireless communication (process ①). The seller adds the merchant code, the price of the goods, the number of installment months, etc. to the purchaser's credit card information received through the short-range wireless communication from the card checker 10 by using the message function of the seller mobile communication terminal 20. It sends to the message processing part 41 of 40 (process ②). The message processing unit 41 of the credit card payment device 40 sends a payment approval request received from the seller's mobile communication terminal 20 to the corresponding credit card company 50 through a dedicated line (process ③). The credit card company 50 sends the payment approval result (approval or disapproval) for the payment approval request to the message processing unit 41 of the credit card payment device 40 through a dedicated line (process ④). The message processing unit 41 of the credit card payment device 40 uses the message function of the mobile communication 30 to receive the payment approval result received from the credit card company 50 of the seller's mobile communication terminal 20 and the pre-specified buyer. By sending the approval result to the mobile communication terminal 70 at the same time (process ⑤), a credit card payment is made using a card size checker and a mobile communication terminal with a built-in short-range wireless communication function. Finally, the customer management system 42 of the credit card payment device 40 charges the purchaser's goods to the credit card company 50 (process ⑥) and deposits the goods into the seller's bank account (process ⑦). .
상기한 바와 같이, 본 발명에 따른 근거리무선통신 기능이 장착된 카드체크기 및 이동통신 단말기를 이용한 신용카드 결제에 있어서 구매자는 고가의 카드체크기를 구매해야 되는 부담과 카드체크기의 인쇄용지를 갈아끼우는 번거로움 없이 본 발명에서 제시한 저가의 카드체크기와 이동통신 단말기로 신용카드 결제가 이루어 진다.As described above, in the credit card payment using the card size and the mobile communication terminal equipped with the short-range wireless communication function according to the present invention, the buyer has to purchase expensive card size and the hassle of changing the printing paper of the card size Credit card payment is made with a low cost card checker and a mobile communication terminal presented in the present invention without any risk.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020020048763AKR20040016548A (en) | 2002-08-17 | 2002-08-17 | Wireless credit card payment system and method using card checker and mobile communication terminals with short distance wireless communication function |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020020048763AKR20040016548A (en) | 2002-08-17 | 2002-08-17 | Wireless credit card payment system and method using card checker and mobile communication terminals with short distance wireless communication function |
| Publication Number | Publication Date |
|---|---|
| KR20040016548Atrue KR20040016548A (en) | 2004-02-25 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020020048763ACeasedKR20040016548A (en) | 2002-08-17 | 2002-08-17 | Wireless credit card payment system and method using card checker and mobile communication terminals with short distance wireless communication function |
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