KR20020066149A - credit card approval system and credit card terminal - Google Patents

Abstract

The present invention relates to a credit card authentication system and a credit card terminal of the system that is easy to process a slip, and enters the installment month, sales price and other inputs from the credit card terminal of the merchant, and is approved, canceled and settled by the system operator. In the credit card authorization system consisting of an approval step of performing a, a purchase request from a card company or a bank at a system operator to receive a corresponding amount to a merchant, and a document sending step of sending a processed slip to a system operator, wherein the approval step is performed. The customer's signature has already been transmitted and the system operator stores the customer's signature in a file, and among the data received from the system operator, the customer signature is converted into an image file, and each file name is assigned to a specific space in the database. Linking each other by keeping will be.

Therefore, the system operator does not need to keep a separate sales slip submitted by the merchant, thereby preventing the loss of the original document, and can quickly respond to a specific sales slip request of the credit card company, as well as storing the sales slip, The cost and effort of management can be reduced.

Description

Credit card approval system and credit card terminal for easy slip processing {credit card approval system and credit card terminal}

The present invention relates to a credit card that is widely used in the market, and more particularly, a sign input device is attached to the input device so that the input data can be transferred to a file, so that the sales slip does not have to be stored separately. The present invention relates to a credit card approval system and a credit card terminal, which can reduce the purchase cost and allow a card company to quickly find and send a document requested by the card company.

Generally, a credit card is issued to a specific member as proof of suspending the collection of goods and services for a certain period of time. This is when a member who has entered into a contract with the card issuer purchases a product or service from an affiliated retailer. Present the card issued by the company and sign the slip so that you can purchase it without spending cash. Since the money is automatically transferred from the member's deposit account to the merchant account after a certain period of sale through the issuing company's bank, the member must make a deposit until the payment is made. Merchants have been used mainly in department stores, specialty stores, restaurants, hotels, golf courses, travel agencies, gas stations, etc., but they are now being applied to almost all shops.

As described above, when a credit card merchant generates a transaction with a credit card, the merchant may manually divide the sales slip for each card company and submit the payment to a bank, card company, or post office to receive payment. As shown in FIG. 1, when the credit card affiliate 10 is a DDC (DATA DRAFT CAPTURE) affiliate, the card company or the bank 30 is based on the data of the transaction approval held by the system operator (VAN) 20. After requesting a purchase, the relevant amount is received from the merchant, and the system operator has a payment method for collecting and storing the sales slip from the merchant.

Here, the system operator should collect the sales slip under the contract with the credit card company and keep it for 5 years, but it is virtually impossible to collect 100% slip due to the absence of management of the agency responsible for the collection of the slip, the retention of the slip at the merchant, There is a problem.

In addition, there is an enormous cost in the management and storage of the collected documents, and when a request for an accident slip from a credit card company is required to find and send the slip, it is difficult to find the slip and requires a lot of time and effort. On the other hand, because tens of thousands of slips are generated per day, enormous cost and space are required to sort and store them. Moreover, if the accident slip is not found, the system operator is completely responsible for the system operation (VAN), which causes a serious problem that the system operator cannot avoid the huge loss.

Accordingly, the present invention has been devised to solve the above problems, and as the signature of the customer described in the sales slip is transmitted to the system operator along with the installment month, sales price, and other inputs, the system operator submits it from the merchant. The purpose of the present invention is to provide a credit card approval system and a credit card terminal, which makes it easy to process a slip so that a separate sales slip does not have to be kept.

In order to achieve the above object, the present invention inputs an installment month, a selling price, and other inputs from a credit card terminal of an affiliated store, and performs an approval, cancellation, and settlement to a system operator, a card company or a system operator. In the credit card approval system, which consists of requesting a purchase from a bank, depositing a corresponding amount to a merchant, and sending a processed document to a system operator, wherein the approval step is transmitted after the customer's signature is already transmitted. It is a step of storing the signature of the customer in a file and linking each other by converting the customer signature into an image file among the data transmitted from the system operator, assigning each file name and storing it in a specific space of the database.

On the other hand, the credit card terminal has a main board that can enter the expiration date, transaction date and time transaction amount, a printer connected to the main board to print the entry on the slip, and a password connected to the main board In the credit card terminal consisting of a pin pad, it is characterized in that the pin pad consists of a pin for inputting a password and the like, and a sign input device for inputting the signature of the customer by a touch method.

1 is a block diagram showing an approval process of a credit card terminal that is generally performed,

2 is a block diagram of a credit card terminal according to the present invention;

3 is a view showing a sign input device of a credit card terminal according to the present invention;

4 is a block diagram of a credit card terminal corresponding to FIG. 2 according to the related art.

* Description of the symbols for the main parts of the drawings *

1 --- mainboard, 2 --- pinpad,

2-1 --- pin, 2-2 --- sine input,

3 --- print.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing an approval process of a credit card terminal that is generally implemented, Figure 2 is a block diagram schematically showing a credit card terminal according to the present invention.

As shown, the present invention is the approval step of performing the approval, cancellation, settlement to the system operator after inputting the installment month, payment and other inputs in the credit card terminal of the merchant, purchase from the card company or bank in the system operator In the credit card approval system, which consists of requesting the deposit of the corresponding amount to the merchant and sending a processed document to the system operator, the credit card approval system comprises the approval of the customer's signature and the signature of the customer. It is a step of storing the file as a file and linking each other by converting the customer signature into an image file among the data received from the system operator, assigning each file name and storing it in a specific space of the database.

Therefore, when the card company requires a specific slip, the data stored in the database can be found, printed and submitted. Thus, there is no need to find a specific slip among sales slips mixed in a large number of documents as in the prior art, and space for accommodating sales slips is also unnecessary, thereby improving work efficiency.

And the present invention is the main board (1 ') that can enter the card number, expiration date, transaction date and time transaction amount, and the printer (3') is connected to the main board (1 ') to print the entry on the slip And, in the credit card terminal consisting of a pin pad (2 ') that is connected to the motherboard (1') to enter a password, etc., the pin pad (2) to input a password, etc. (2- 1) and a sign input device 2-2 capable of inputting a signature of a customer by a touch method.

That is, the touch type sign input device 2-2 is added to the screen of the existing pin pad. In addition, the sign input device 2-2 may recognize a fingerprint as well as an external character through a touch method.

Meanwhile, as shown in FIG. 3, the sign input device 2-2 has 100 pixels (Picxcel) horizontally and vertically, but the size of the pixel can be adjusted according to a user's intention.

Hereinafter, the operation of the sign input device of the present invention will be described.

First, the merchant 10 grabs the customer's card with one hand, scrapes the credit card from the top down from the magnetic recognizer of the motherboard 1, and connects it with the system operator 20 (VAN) in an installment month, payment, and other inputs. After inputting the details and signing the customer on the sign input device 2-2, the system is sent to the system operator 20 (VAN) with the inputted customer's signature. The company keeps the received data as data. Then, the system operator 20 (VAN) requests a purchase from a card company or a bank based on the data, and receives a corresponding amount from the affiliated store. At the merchant terminal, the sales slip with the customer's signature is printed along with the installment month, payout, and other inputs.

Here, among the data transmitted from the system operator, the customer signature is converted into an image file, and each file is given a file name, and then linked to each other by storing it in a specific space of the database.

If a card company requires a specific slip, the data stored in the database can be found, printed and submitted. Thus, there is no need to find a specific slip among sales slips mixed in a large number of documents as in the prior art, and space for accommodating sales slips is also unnecessary, thereby improving work efficiency.

On the other hand, the printer 2 preferably adopts a sprocket method or a roll print method, and the initial inputs are printed on the sales slip together with the signature of the customer.

According to the present invention described in detail as described above, the system operator does not need to keep a separate sales slip submitted by the merchant, it is possible to prevent the loss of the original document, the credit card company specific sales slip request Not only can it respond quickly, but it also reduces the cost and effort required to store and manage sales documents.

In addition, if the sales slip is used as a rollprint, the number of slips is 3 to 2, which reduces the cost of purchasing the slips of the system operator.

Claims (3)

Enter the installment month, sales price and other inputs at the merchant's credit card terminal and send it to the system operator for approval, cancellation, and settlement.The system operator requests the purchase from the card company or bank and deposits the amount to the merchant. In the credit card approval system comprising a receiving step, a document sending step of sending the processed document to the system operator, the approval step is transmitted by already imitating the signature of the customer, and the system operator keeps the signature of the customer in a file; Among the data received from the system operator, the customer signature is converted into an image file, and each file is given a file name, which is linked to each other by storing them in a specific space of the database. . A main board 1 'to enter a card number, an expiration date and a transaction date and time and a transaction amount; a printer 3' connected to the main board 1 'to print an entry on a slip; In the credit card terminal consisting of a pin pad (2 ') connected to the board (1') for inputting a password, the pin pad (2) is a pin (2-1) for inputting a password, etc., Easy credit card terminal, characterized in that consisting of a sign input device (2-2) that can input the signature of the customer by the touch method. The credit card terminal according to claim 2, wherein the sign input device (2-2) can recognize not only an external character but also a fingerprint by a touch method.