KR20080044459A - Credit card payment system and method using RFID card that stores credit card identification information - Google Patents

Abstract

Disclosed are a credit card payment system and method using an RFID ID that stores credit card identification information. The present invention integrates a plurality of transactions made in a certain region at a time by using the RFID ID right that stores the credit card identification information to identify the user's credit card, even if the user does not have to use a credit card every time. It relates to a system and a method for making a credit transaction. That is, according to the present invention, all the commerce information made in the amusement facility is collected by the use of the RF ID, and the integrated payment amount can be integrated into the credit card corresponding to the credit card identification information of the RF ID. System and method. Accordingly, the present invention provides a system and method that can replace the admission ticket of the entertainment facility with a credit transaction means, so that a credit card user is usually made of cash in the entertainment facility as well as the admission fee of the entertainment facility without having a credit card. It is effective in that all transactions can be made by credit card, and in the case of amusement facilities, it is possible to reduce payment fees and manage customers through user information. It can increase the effect.

Description

CREDIT CARD PAYMENT SYSTEM USING RFID LICENSE STORED IDENTIFICATION OF CREDIT CARD AND METHOD}

1 is a view for explaining a conventional credit card payment method,

Figure 2 is a block diagram for conceptually explaining a credit card payment system using the RFID use rights stored in the present invention credit card identification information,

3 is a view showing an example of applying the credit card payment system using the RF ID use rights stored in the present invention credit card identification information to the ski resort,

Figure 4 is a flow chart illustrating a credit card payment method using the RFID use rights stored in the present invention credit card identification information.

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

10: User terminal 20: RF ID ticket

210: RFID-Tag 30: means of issuing RFID ticket

310: recording means 320: display means

330: cap 40: transaction information input means

410: RFID-Reader 420: amount input means

50: integrated payment terminal 510: RFID-Reader

520: touch panel 530: monitor

540: receipt output means 550: signature input means

60: credit card identification information management means 610: identification information database

620: transaction information database 630: user information database

640: SMS server 650: mobile communication terminal

70: data communication network 80: credit card company payment system

The present invention relates to a payment system using a credit card and an RFID system using an RFID-tag. In particular, the two systems can be combined to operate a credit settlement for a number of commerce transactions generated by using an amusement facility without using a credit card directly. It relates to a system and a method that can be.

Generally, a credit card is a card issued to a certain member as proof of suspending the collection of goods or services for a certain period of time. A credit card company's payment system is able to end a transaction between trading parties by payment of money. It is a system that supports it.

Members who have signed a contract with a credit card company can purchase goods or services 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.

1 is a view for explaining a conventional credit card payment method. Referring to FIG. 1, in the conventional credit card payment method, a buyer first purchases a product from a seller, and presents a credit card issued by a credit card company to the seller for payment of a purchase price. A seller who has entered into a franchise agreement with a credit card company requests transaction approval to a credit card company through a value-added communication network (VAN) by means of a credit card payment terminal installed in a seller's business store.

At this time, the credit card payment 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. 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 the transaction approval response for the buyer's credit card from the credit card company and transmits it to the credit card payment terminal of the seller who requested the transaction approval. When the seller's credit card payment terminal receives a transaction approval request, the seller's merchant name, merchant number, representative name, and business registration number are included in the merchant name field. And a sales slip printed with the address.

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

Therefore, in order to make a payment using a credit card, there is a problem in that a value-added communication network must be used every time and a cost is incurred, and a seller must register a merchant of a credit card company and install a payment terminal. .

Currently, amusement facilities such as ski resorts, amusement parks, and golf courses are multi-use facilities used by many people, and there are facilities that provide various goods and services such as restaurants, souvenir shops, and rental shops.

In detail, the ski resort has various convenience facilities such as a restaurant, a snack bar selling hot dogs or fish cakes, a ski rental shop, a coffee shop, a karaoke room, a convenience store, and a game room.

In general, when purchasing a lift ticket of a ski resort, payment is often made with a credit card. However, in the above-mentioned convenience facilities, payment is mainly made in cash. The main reason for not paying with a credit card is that it is cumbersome to pay with a credit card every time and due to the low amount of money, you usually pay by cash.

In addition, even when attempting to pay by credit card, the snack bar or the entertainment room does not have a credit card payment terminal connected to the value-added communication network as described above for credit card payment.

After all, a user using a ski resort must have cash at all times to use convenience facilities.

Therefore, the user of the ski resort has the risk of losing cash and the hassle of having to hold cash.

In addition, there is a problem in that the sales of credit card companies are limited because transactions in which a credit card can be used are limited to using a lift ticket or a restaurant or a convenience store.

In addition, there is a problem that most of the commerce is made of cash does not expose the transaction content.

In addition, when the user is trying to use the convenience facilities, it takes a lot of time required for cash settlement or credit card processing, causing inconvenience to the user.

Apart from this, the lift ticket of the ski resort is issued by simple cash payment or credit card payment, so it is not possible to have separate information on the ski resort's passengers, so that the management of the ski resort's users cannot be managed and the illegal transaction of the lift ticket is fundamental. There is a problem that cannot be prevented. This problem is caused not only in ski resorts but also in amusement facilities such as amusement parks.

The present invention was made to solve the above problems, and the credit card identification information that can distinguish the credit card is stored in the RFID-tag as a right to use the amusement facility, and the use of the right By providing the system and method that can collect the transaction information according to the credit card, and facilitate the user using the entertainment facilities, reduce the credit card payment fee due to consolidated payment, and all transactions can be informatized, To provide a system and method that can fundamentally prevent illegal transactions and duplication of the right to use amusement facilities, increase sales of credit card companies, and manage and manage database of user information on amusement facilities. There is this.

In order to achieve the technical problem to be achieved by the above-described invention, the credit card payment system using the RFID usage rights in which the present invention credit card identification information is stored receives a transaction approval request using a credit card, and responds to the transaction approval status. In a credit card payment system interworking with a credit card company payment system 80 for processing credit settlement using a credit card, the following data communication network allows a credit card user to access the following credit card identification information management means (60). 70, a user terminal 10 for applying for the purchase of the following RFID ID ticket 20 by the user inputting information about his or her credit card; Built-in RFID tag (210) storing credit card identification information corresponding to the information on the credit card input through the user terminal 10, and identifies the credit card through wireless communication with the RFID reader An RFID ticket 20 for providing information to the RFID-reader; The credit card identification information of the user who applied for the purchase of the RFID ID right 20 is downloaded from the following credit card identification information management means 60 through the following data communication network 70, and the license of the RFID ID right 20 RF ID usage right issuing means (30) for issuing the RF ID usage right 20 of the user who applied for the purchase by recording in the RFID-tag 210; And a value input means for inputting an RFID-reader for reading credit card identification information and an amount of money information from the RFD use right 20 issued through the RFD use right issuing means 30, and the following data communication network. Transaction information input means 40 connected to the following credit card identification information management means for transmitting transaction information including the read credit card identification information, input amount information and seller information to the credit card identification information management means 60 below. ); Receives the user's integrated payment request from the credit card identification information management means 60 through the data communication network 70 receives the transaction information according to the user's use of the RF ID right 20 through the output means If the transaction is confirmed according to the transaction information of the user, the payment request using the credit card of the user to the credit card identification information management means, the integrated transaction history approved from the credit card identification information management means An integrated payment terminal 50 including a receipt output means for receiving and outputting a receipt and a signature input means for inputting a user's handwritten confirmation; The RF ID usage right issuing means 30, the transaction information input means 40, the user terminal 10, the integrated payment terminal 50 and the credit card company payment system 80 and the following data communication network 70 Connected to, receiving information on the credit card from the user terminal 10, including the identification information database and transaction information database to check whether the credit card can be used through the credit card company payment system 80, the credit card is If available, it generates credit card identification information that can identify the credit card, stores it in the identification information database, permits the purchase of the RF ID ticket 20, and grants the ID from the RFID ID ticket issuing means 30. If there is a request for credit card identification information for issuance of the use right 20, it is provided, and the transaction information input means is provided. The user receives the transaction information and judges the validity of the RFID use right, and if it is valid, stores the transaction information in the transaction information database, and recalls all transaction information of the user who made the integrated payment request through the integrated payment terminal 50. After providing the integrated payment terminal 50 and confirming the transaction details according to the transaction information for payment afterwards, the credit information corresponding to the credit card identification information and payment information including all transaction information A credit card identification information management means (60) for transmitting to the card company payment system (80), making a transaction approval request, receiving an approval result according to the transaction approval request, receiving the approval result, and transmitting it to the integrated payment terminal (50) ; And the RFID usage right issue means 30, the transaction information input means 40, the user terminal 10, the integrated payment terminal 50, and the credit card identification information management means 60. And a data communication network 70 providing a transmission path for data transmission and reception between the credit card company payment system 80.

The credit card identification information may be any one of information including a card number of a credit card, encryption information obtained by encrypting the information through a predetermined encryption program, and identification information allocated to distinguish a user of the credit card; It is characterized by.

In addition, the RFID ticket 20 is any one of the form that can be hung on the neck, including a card in the form of a square plate, a band that can be worn on the cuff, and a card in the form of a square plate; do.

In addition, the credit card identification number management means 60 is assigned to the user who applied for the purchase of the RF ID ticket 20, the authorization number necessary for issuing the RF ID ticket 20, the RF ID ticket issuing means ( 30) requesting the authentication number when there is a request for credit card identification information.

In addition, an SMS server for transmitting the authentication number to the mobile communication terminal of the user who has applied for the purchase of the RF ID right 20, characterized in that it further comprises.

In addition, the identification information management means 60 further includes a user information database to store user information and payment information prepaid by the user, and transmits the information to the user at the request of the user through the user terminal. To provide through; characterized by.

Credit card payment invention using the RFID use right credit card identification information is stored in the present invention records a plurality of transactions, collect the payment amount caused by the recorded multiple transactions to pay the sum using a credit card In the method, a) a user connects to the credit card identification information management means 60 through the user terminal 10 to input information about the user's credit card, and can be used according to the availability of the inputted credit card. In the case, the credit card identification information management means 60 generates credit card identification information and stores it in the identification information database. b) after the step a), when the user requests issuance of the RFD usage right 20 through the issuance means 30 of the RFID use right, the credit card identification information management means 60 of the credit card identification information of the user is provided. RF ID usage right issuing step issued through the RF ID usage right issuing means 30 to receive the received from the RF ID tag 20 of the RF ID use rights to store it; c) receiving the plurality of transaction information input through the transaction information input means 40 from the credit card identification information management means 60 as the user uses the RF ID right issued in step b) A transaction information collecting step of storing the transaction information in the transaction information database; d) receiving transaction details according to the transaction information from the credit card identification information management means 60 to confirm the transaction information collected in step c) through the integrated payment terminal 50 step; e) When the user confirms the transaction in step d), the credit card identification information management means 60 credits the payment information including the information on the user's credit card and all the transaction information required for payment using the credit card. An integrated transaction approval result notification step of transmitting the credit card company payment system 80, receiving the approval result from the credit card company payment system 80, and transmitting the received approval result to the integrated payment terminal 50; And f) if the approval fails in step e), output a failure result. If the approval is normally performed, the user's signature is input through the signature input means of the integrated payment terminal 50, and through the receipt output means. And a credit card payment completion step of completing a transaction using a credit card by printing and outputting a receipt.

In addition, the step a) may further comprise the step of generating an authentication number provided by the credit card identification information management means 60 to provide the user who applied for the purchase of the RFD use right in the credit card identification information management means (60); And, the step b) is characterized in that it further comprises an authentication number confirmation step of confirming the credit card identification information provided in the step a) before providing the credit card identification information management means (60).

In addition, the step of providing the authentication number is the movement of the user who has applied for the purchase of the RFID use right through the SMS server the authentication number required for issuing the RFID use right 20 generated by the credit card identification information management means (60) Characterization number transmission step via the SMS server for transmitting to the communication terminal; characterized in that it further comprises.

In addition, in step f), when the authorization request in step e) is processed by the credit card company payment system 80 and received the user's signature, payment is stored in the user information database. Information storage step; characterized in that it further comprises.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification. In addition, when a part is said to "include" a certain component, this means that it may further include other components, except to exclude other components unless otherwise stated.

Now, the terms will be described in detail with reference to the drawings in accordance with a preferred embodiment of the present invention are terms defined in consideration of functions in the present invention may vary depending on the intention or custom of the producer and the user. Therefore, the definition should be made based on the contents throughout the present specification.

2 is a block diagram for conceptually illustrating a credit card payment system using an RFID ID using the present invention, the credit card identification information is stored, Figure 3 is a RFID ID using the credit card identification information is stored Figure 4 shows an example of applying a credit card payment system using a ski resort, Figure 4 is a flow chart illustrating a credit card payment method using the RF ID use rights stored in the present invention credit card identification information.

Hereinafter, a credit card payment system and a method using an RFID ID that stores credit card identification information will be described in detail with reference to the drawings.

As shown in FIG. 2, the credit card payment system using the RFID usage right in which the credit card identification information of the present invention is stored basically receives a transaction approval request using a credit card, and performs a transaction approval response to the credit card. In the credit card payment system interlocked with the credit card company payment system 80 for processing the credit settlement using, the user terminal 10, RF ID use rights 20, RF ID use rights issuing means 30, transaction information input means 40, integrated payment terminal 50, credit card identification information management means 60 and data communication network 70.

The user terminal 10 may be a personal computer or a PDA equipped with a web browser, a mobile communication terminal such as a mobile phone that can be connected to the Internet network. The user terminal 10 is connected to a data communication network 70, such as the Internet network, so that the user accesses a website provided by the credit card identification information management means 60, and transmits or receives data, and the like. A predetermined procedure can be performed through the interface screen.

Therefore, a credit card user who wants to use the present invention accesses the credit card identification information management means 60 through the user terminal 10, inputs personal information, credit card information such as a credit card number, and the like. You can apply for the ID voucher (20). The website provided by the credit card identification information management means 60 is linked to the homepage of the credit card company or the homepage of the entertainment facility, so that the user can access the website through the homepage of the credit card company or the homepage of the entertainment facility. It is preferable.

The RFID ID right 20 includes an RFID-tag 210 in which credit card identification information generated by the credit card identification information management means 60 is stored.

The RFID-tag 210 stands for Radio Frequency Identification-Tag, and embeds predetermined information in a microchip so that it can be tracked by radio frequency. It is called an electronic tag or a start tag, an electronic label, or a radio identification. will be.

Therefore, the RFID-tag 210 is composed of a transponder chip and an antenna made of a semiconductor. There are passive and active types according to a power supply method. Passive type is operated by receiving energy from RF ID-reader's radio signal without internal power supply, and active type is built-in battery to operate by itself.

According to the present invention, the RFID-tag 210 embedded in the RFID ticket 20 is preferably an RFID-tag applied to a low frequency radio frequency identification system (30kHz to 500kHz) used at a short distance of 1.8m or less. Do.

The use of the RF ID 20 is not only a role of admission ticket for admission to the amusement facilities, but also a means for replacing the cash payment or credit card payment required to use the auxiliary facilities installed in the entertainment facilities. Therefore, the user using the amusement facilities need to carry the RF ID ticket 20 at all times, so as shown in the form of a square plate card made of synthetic resin can be inserted into a pocket with a necklace, or purse It should be easy to store in the pocket of a coat or the like.

Alternatively, a band form (not shown) that can be worn on the user's wrist prevents the loss of the RF ID ticket and facilitates the use of the RFID ID ticket.

Alternatively, it is preferable to include a necklace (not shown) in the form of a square card so as to be worn around the neck so that the user can use it while wearing the ID on the neck.

The RFID ID right 20 is stored in the RFID-tag 210 of the RFID ID right 20 through wireless communication with the RFID-reader 410 of the transaction information input means 40. The card identification information is provided to the RFID-reader 410.

The RFID usage right issuing means 30 downloads the credit card identification information of the user who applied for the purchase of the RFID usage right 20 from the following credit card identification information management means 60 through the data communication network 70. In response, the ID is recorded on the RFID-tag 210 of the RFID ticket 20 to issue the RFID ticket 20 of the user who applied for the purchase. That is, when the user requests the issuance of the RFD usage right 30, the user checks the requested user, and manages the credit card identification information corresponding to the credit card of the requesting user. The data is downloaded from the means 60 through the data communication network 70, and is recorded and issued in the RFID-tag 210 of the downloaded credit card identification information RFID ID 20.

Accordingly, the RFID usage right issuing means 30 includes recording means 310 for recording information on the RFID-tag 210, and the display means 320 or the number for outputting predetermined information. It is configured to include a keypad 330 and the like for inputting.

In addition, the RF ID usage right issuing means 30 purchases the resident registration number or the RF ID use right to authenticate the user at the time of downloading the credit card identification information from the credit card identification information management means 60 to issue the RF ID use right. It is preferable to request the authentication number provided from the credit card identification information management means 60 at the time of application.

The transaction information input means 40 basically includes an RFID-reader 410 for reading pre-stored credit card identification information from the RFID-tag 210 of the RFID-use right 20. It includes a value input means 420 of the keypad to enter the. Accordingly, the RFID-reader 410 may be connected to the cash dispenser connected to the data communication network 80.

The transaction information input means 40 is credit card identification information read out from the RFID usage right 20 through the RFID-reader 410 and the amount information input through the amount input means 420 and the seller The transaction information including the information is transmitted to the credit card identification information management means 60 through the data communication network 70.

The integrated payment terminal 50 is provided with the RFID-reader 510 as a means for paying the amount to be paid by the user using the RFID ticket 20 in the amusement facility using a credit card. Read the credit card identification information from the RF ID ticket 20, or receives the user's integrated payment request through the information input by the user using the keypad or touch panel 520, the credit card identification information management means (60) Receives the transaction information according to the user's use of the RF ID right 20 through the data communication network 70 and provides it through an output means such as a monitor (530).

At this time, the transaction information provided is a transaction date and time, a transaction amount, a customer, and the like, and the total payment amount is notified.

Therefore, the user can check the transaction history according to all the transactions made in the amusement facility through the transaction information, when the user's payment request, the integrated payment terminal 50 provides the user with a credit card password or authentication number, etc. If the verification process is normally processed, the credit card identification information management means 60 makes a payment request using the user's credit card, and includes a receipt output means 540 and a signature input means 550. By receiving the approved integrated transaction history from the credit card identification information management means 60 and the user's signature is input through the signature input means 550, the payment history is recorded through the receipt output means 540 Print a receipt.

The credit card identification information management means 60 is a means for managing the operation of the entire system as the most important component in the present invention.

The RF ID usage right issuing means 30, the transaction information input means 40, the user terminal 10, the integrated payment terminal 50 and the credit card company system 80 and the data communication network 70 do.

The connected credit card identification information management means 60 may be composed of a web server, an authentication server, a credit card identification information generating server, a VAN server, a member management server, and the like, and may include various servers as necessary.

In addition, the database includes an identification information database 610 and a transaction information database 620, and may include various databases as necessary.

In particular, it is preferable to further include an SMS server 640 for transmitting the authentication number for authenticating the user to the mobile communication terminal of the user who has applied for the purchase of the RFID ID, and the user information and the payment information previously paid by the user. It is preferable to further include a user information database 630 is stored.

The SMS server 640 is an authentication number for authenticating the user with the mobile communication terminal 650 of the mobile terminal number entered in the procedure of registering the user by entering personal information in order to apply for the purchase of the RF ID use rights. Send it.

At this time, the time of transmitting the authentication number is generated by the credit card identification information stored in the identification information database 610 and the time to authorize the purchase of the RF ID use rights, or the user through the RF ID use rights issuing means 30 It is preferable to request the issuance of the RF ID.

The user information database 630 is an entertainment facility that is a user of the RFID right when the transaction information stored in the transaction information database 620 of the credit card identification information management means 60 is completed normally, and the transaction using the credit card is completed. By making database of the customer information and the transaction information of the user, the amusement facility can provide additional services such as the number of visits of the user and other discount coupons or points accumulation, and can also identify the type of user's consumption. In addition, the user may check related information such as payment contents and the number of visits according to the use of the past amusement facilities, earning points, coupon holding status, and the like.

The credit card identification information management means 60 checks whether the credit card corresponding to the information input by the user through the user terminal 10 is available through the credit card company system 80, and confirmed When a credit card is available, credit card identification information for identifying the credit card is generated and stored in the identification information database 610. In this case, the credit card identification information and the information on the input credit card is matched with each other and stored in the identification information database 610.

At this time, the credit card identification information generated by the credit card identification information management means 60 is the credit card user information, the card number of the credit card or the CVV (Card Verification Value) number itself which is a verification value engraved on the front or the back of the credit card. It may be information obtained by combining the above information, or may be encrypted information obtained by encrypting the information through a predetermined encryption program.

Alternatively, the identification information allocated to distinguish the user of the credit card may be separate information that is not related to the information.

When such credit card identification information is generated and stored in the identification information database 610, the credit card identification information management means 60 permits the user to purchase the RFID ID right 20.

Therefore, the user who is permitted to purchase the RFD usage right 20 may use the RFID use right issuing means at an amusement facility site where the RFID use right issuing means 30 is installed or at another place where the RFID use right issuing means 30 is installed. Through the 30 can be issued a RF ID ticket 20.

That is, the credit card identification information management means 60, if the user who is authorized to purchase the RF ID usage rights issuing means 30 to request the issue of the RF ID use rights 20, the RF ID use rights 20 Credit card identification information to be recorded in the RFID-tag 210 is extracted from the identification information database 610 and transmitted to the RFID usage right issuing means 30 through the data communication network 70. At this time, in order to confirm the user before transmitting the credit card identification information, it is preferable to receive the user's social security number or authentication number or credit card password from the RF ID issuance means 30 to check the authenticity of the user. Do.

In addition, the transaction information is input through the transaction information input means 40, the credit card identification information included in the received transaction information is judged whether the validity of the RF ID right 20, input the confirmation signal to the transaction information To the means 40.

If the RFID right 20 is not valid, it is notified that no transaction is made. If it is valid, the transaction information is stored in the transaction information database 620, and a normal processing signal is transmitted. Therefore, the normally processed transaction information is stored in the transaction information database 620 for each RF ID use right 20, that is, for each credit card identification information.

As described above, the transaction history according to the transaction information stored in the transaction information database 620, when the user makes an integrated payment request through the integrated payment terminal 50 to make a payment, the credit card identification information management means ( 60 is provided to the user by extracting all transaction information from the transaction information database 620 and transmitting the transaction information to the integrated payment terminal 50 through the data communication network 70.

Then, the credit card identification information management means 60 when the user confirms the transaction details, the payment information including the credit card information and all the transaction information corresponding to the credit card identification information of the RF ID ticket 20 is recalled The credit card company payment system 80 is transmitted, and the approval result is received from the credit card company payment system 80 and transmitted to the integrated payment terminal 50.

The data communication network 70 is the user terminal 10, the RF ID issuance means 30, transaction information input means 40, integrated payment terminal 50 and credit card identification information management means 60 and credit A value-added communication network (VAN) that provides a data transmission path between card company payment systems 80. The value-added communication network (VAN) is an Internet, leased line, public telephone network (PSTN) or public data network (PSDN). Can be.

The credit card company payment system 80 is usually a system required for processing a credit card online and is not specified by the present invention, and thus will not be described in detail in the present invention.

Hereinafter, referring to a drawing showing an example of applying the credit card payment system using the RFID usage right in which the credit card identification information of the present invention is stored to a ski resort, 'Hong Gil-dong' having 'ABC credit card' is referred to as 'Phoenix Ski Resort'. The process according to the present invention will be described in detail.

Accordingly, the credit card company payment system 80 becomes a credit card company payment system of 'ABC Credit Card Company', the amusement facility is 'Phoenix Ski Resort', and the RF ID ticket 20 becomes a lift ticket for using the Phoenix Ski Resort. , RF ID issuance means 30, transaction information input means 40 and integrated payment terminal 50 is installed in the phoenix ski resort.

First, Hong Gil-dong connects to the homepage of the Phoenix Ski Resort or the homepage of the ABC Credit Card Company using the user terminal 10 connected to the data communication network 70 to apply for the purchase of the RF ID ticket 20 of the Phoenix Ski Resort. Access to the web page provided by the credit card identification information management means 60 linked to the home page, or directly to the web page.

At this time, if Hong Gil-dong is an existing member, the login is made with an ID and a password, and in the case of a non-member, the login is performed through the membership registration procedure.

Hong Gil-dong, who is logged in through the authentication process, selects the ABC credit card, which is the company of his credit card, and inputs a 16-digit credit card number to apply for the purchase of the RFID ticket 20.

The credit card identification information management means 60 checks whether the credit card of Hong Gil-dong is a credit card that can be used through the ABC credit card company payment system 80, and if available, identification information for the ABC credit card. Generate and store the identification information in the database 610, and confirms that the purchase of the RF ID usage rights 20 has been made.

Thereafter, Hong Gil-dong visits the phoenix ski resort, and enters the resident registration number through the keypad or touch panel provided in the RF ID issuance means 30 to specify that the issuing applicant is Hong Gil-dong.

Thereafter, the RF ID issuance means 30 transmits the inputted social security number to the credit card identification information management means 60, and the received credit card identification information management means 60 receives Hong Gil-dong corresponding to the social security number. Check whether the person is authorized to issue the use right, and if it is correct, transmits the authentication number to the mobile communication terminal 650 of Hong Gil-dong using the SMS server 640, and sends a confirmation signal to the RF ID use right issuing means 30.

Upon receiving the confirmation signal, the RFID usage right issuing means 30 requests Hong Gil-dong to input the authentication number, and when Hong-gil-dong inputs the authentication number, the received authentication number is transmitted to the credit card identification information management means 60. And, if the authentication number is correct, the credit card identification information management means 60 transmits the credit card identification information of Hong Gil-dong from the identification information database 610 to the RF ID use right issuing means 30, and issues the downloaded RF ID use right. The means 30 records this on the RFID-tag of the RFID ticket 20, and issues the RFID ticket 20 on which the credit card identification information of Hong Gil-dong is recorded.

Hong Gil-dong, which has been issued the RFID ticket 20, visits a ski rental place equipped with transaction information input means 40, rents ski equipment, and provides the RFID ticket 20. If the ski equipment rental fee is 30,000 won, the transaction information input means 40 is recorded on the ski rental location information of the seller, the rental fee of 30,000 won information, and the RFID use ticket 20 of Hong Gil-dong read through the RFID-reader. The credit card identification information is transmitted to the credit card identification information management means 60. The received credit card identification information management means 60 confirms whether or not the use of the RF ID right through the credit card identification information, and if it is available, information and amount of sales (ski rental) corresponding to the credit card identification information. The transaction information including the information is stored in the transaction information database 620, and a confirmation signal is transmitted to the transaction information input means 40 installed at the ski rental.

Such processing is performed at various restaurants in the Phoenix Ski Resort, as well as at the restaurant where the transaction information input means 40 is installed, as well as a storage facility, a simple shop, a convenience store, and a karaoke room.

If Hong Gil-dong is an amusement facility, it is possible to use a lift for business trips (50,000 won), rent ski equipment (30,000 won), 1 bowl of udon (4,000 won) for lunch, 1 hour (1,000 won) for ski storage, and 2 hot dogs ( 3,000 won), one bowl of galbi-tang (6,000 won) and one hour of karaoke for one hour (15,000 won), the transaction information database (620) of the credit card identification information management means (60) )

Thereafter, when Hong Gil-dong encounters the RFID ticket 20 on the RFID-reader installed in the integrated payment terminal 50 installed in the Phoenix Ski Resort, the integrated payment terminal 50 reads Honggil-dong's credit read from the RFID-reader. The credit card identification information management means 60 which transmits the card identification information to the credit card identification information management means 60 and receives the credit card identification information from the integrated payment terminal 50 is assigned to the credit card identification information of Hong Gil-dong. All relevant transaction information is read from the transaction information database 620 and transmitted to the integrated payment terminal 50. That is, the credit card identification information management means (60) is Hong Gil-dong, the use of a commercial content of lift: 50,000 won, ski equipment rental / 30,000 won, udon 1 bowl / 4,000 won, ski storage 1 hour / 1,000 won, two hot dogs / 3,000 won, one bowl of galbi-tang / 6,000 won, karaoke 1 hour / 15,000 won and the total payment amount of 107,000 won information is transmitted to the integrated payment terminal (50).

The integrated payment terminal 50 that receives this is through the output means such as monitor, all the transaction information of the Hong Gil-dong, lift use 50,000 won, ski equipment rental / 30,000 won, udon 1 bowl / 4 thousand won, ski storage 1 hour / 1 It provides Hong Gil-dong with information about 1,000 won, 2 hot dogs, 31,000 won, 1 bowl of galbi-tang / 6,000 won, 1 hour / 15,000 won of karaoke, and 10,000 won in total payment.

Therefore, Hong Gil-dong can check all the transaction history of his own transaction through the integrated payment terminal 50, and if Hong Gil-dong confirms the transaction history, the integrated payment terminal 50 is the credit card identification information management means (60) Transmits a transaction history confirmation signal, and receives the credit card identification information management means 60 including information on Hong Gil-dong's credit card and Honggil-dong's all transaction information necessary for payment using Hong Gil-dong's credit card. The payment information of Hong Gil-dong is transmitted to the ABC credit card company payment system 80, the approval result is received from the ABC credit card company payment system 80, and the received approval result is transmitted to the integrated payment terminal 50.

Upon receiving the result of the normal approval, the integrated payment terminal 50 notifies Hong Gil-dong that the payment has been processed normally through the output means, and requests Hong Kong-dong to sign the signature through the signature input means. Issue a receipt.

As a result, Hong Kil-Dong pays for 7 transactions at once with his credit card.

Thereafter, the integrated payment terminal 50 transmits the signature information to the credit card identification information management means 60, and the received credit card identification information management means 60 receives the signature information and the ABC credit card company payment system 80 ) Stores the payment information of Hong Gil-dong normally processed in the user information database 630 and stores it.

In the above, the credit card payment system using the RF ID use right stored in the credit card identification information according to the present invention has been described in detail through the embodiment. Hereinafter, the RFID ID use right stored in the credit card identification information through the payment system according to the present invention. It will be described in detail a credit card payment method using.

As shown in FIG. 4, the credit card payment method using the RFID usage right in which the credit card identification information of the present invention is stored records a plurality of transaction contents, and sums the sum of the settlement amounts generated by the recorded plurality of transactions. In the method for paying with a credit card, Basically, RF ID usage right application step (S10); RF ID use rights issue step (S20); Transaction information collection step (S30); Transaction history confirmation step (S40); Integrated transaction approval result notification step (S50); And credit card payment completion step (S60);

It is made, including, the RF ID use right application step (S10) further comprises a certification number providing step (S12); and the RF ID use rights issuing step (S20) further comprises a certification number verification step (S22); It features.

At this time, the authentication number providing step (S12) is characterized in that it further comprises the authentication number transmission step (S12-1) through the SMS server.

In addition, the credit card payment completion step (S60) is characterized in that it further comprises a payment information storage step 62.

The RFID usage right application step (S10) is a user who wants to apply for the RFID use rights as described in Figures 2 to 3 through the user terminal 10 to the website provided by the credit card identification information management means 60 Upon connection and inputting information on the user's credit card, the credit card company payment system 80 checks whether the entered credit card is usable, and if the credit card is usable, the credit card identification information management means 60 The credit card identification information is generated and stored in the identification information database. This will apply for the use of RFID.

In the authentication number providing step (S12), the credit card identification information management means 60 generates and provides an authentication number necessary for issuing an RFID ID to the user whose credit card identification information is generated. At this time, the authentication number can be transmitted to the user's personal mail or to other users through a variety of methods, but the transmission of the authentication number through the SMS server (S12-1) to the user's portable terminal to send a short message desirable.

In this case, the authentication number is provided at the point when the application is completed in the RF ID use right application step (S10) or when the RF ID use right issuing request is issued in the RF ID use right issue step (S20).

The RFID usage right issuing step (S20) is performed when the user requests issuance of the RFID use right through the RFID issuance means 30, and receives the credit card identification information of the user from the credit card identification information management means. It is stored in the tag 210 of the RF ID ticket 20 and issues the RF ID ticket 20.

In this case, the authentication number confirmation step (S22) is further included, and the user receives the authentication number provided in the authentication number providing step (S12).

The transaction information collecting step (S30) is a plurality of transaction information input through the transaction information input means 40 as the user uses the RF ID usage rights 20 issued in the RF ID usage rights issuing step (S20) Received by the credit card identification information management means 60, and stored in the transaction information database 620 to collect the user's transaction information in real time.

The transaction history checking step (S40) is a step in which the user checks the transaction information collected in the transaction information collecting step (S30) and stored in the transaction information database 620. When the personal information or credit card identification information is provided to the credit card identification information management means 60 through the integrated payment terminal 50, the received credit card identification information management means 60 corresponds to the user. The transaction information is read from the transaction information database 620 and transmitted to the integrated payment terminal. The integrated payment terminal 50 which receives the transaction information provides the user with transaction details according to all transaction information through an output means. Check through the integrated payment terminal (50).

The integrated transaction approval result notification step (S50) is a user's credit card required for payment using a credit card in the credit card identification information management means 60 when the user confirms the transaction history in the transaction history confirmation step (S40) Payment information including all the transaction information stored in the transaction information database 620 and the user's use of the RF ID pass to the credit card company payment system and makes a payment request, and the approval result from the credit card company payment system. Receives and transmits the received approval result to the integrated payment terminal 50.

The credit card payment completion step (S60) outputs a failure result when the approval fails in the integrated transaction approval result notification step (S50), and if the approval is normally performed, the signature input means of the integrated payment terminal 50 ( The user's signature is input through 520, and the receipt is printed and output through the receipt output means 510 to complete a transaction using a credit card.

The credit card payment completion step (S60) further includes the payment information storage step 62, the authorization request is normally processed in the credit card company payment system 80 to receive the user's signature input the signature input means 520 Then, when a receipt is issued to the user through the receipt output means 510, the signature information and normal payment information received through the signature input means 520 is stored and stored in the user information database 630. .

Embodiments of the present invention described above can be easily implemented by those skilled in the art. And the scope of the present invention is not limited to the above-described embodiment, but various modifications and improvements of those skilled in the art using the basic concept of the present invention defined in the following claims also belong to the scope of the present invention.

As described above, the present invention stores the credit card identification information that can distinguish the credit card in the RFID-tag, and uses it as a right to use the amusement facility, and collects transaction information according to the use of the right to use the credit card. By providing a system and method for payment by credit card, the credit card user can pay the entrance fee of the amusement facility and all commercial transactions, usually in cash, in the amusement facility without having a credit card. In the case of amusement facilities, integrated payments can reduce the payment fee, and manage the customers using the entertainment facilities through the user's information, and credit card companies can increase the sales of credit cards.

In other words, it is possible to reduce the credit card payment fee, to make all transactions informatized, and to prevent illegal transactions and duplication of the right to use the amusement facilities. In addition, it has the effect of increasing the sales of credit card companies and at the same time managing the database of user information.

Claims (10)

In the credit card payment system interworking with a credit card company payment system 80 that receives a transaction approval request using a credit card, and performs a transaction approval response thereto, thereby processing credit settlement using a credit card, A user terminal connected to the following data communication network so that the credit card user can access the following credit card identification information management means, and the user inputs information about his or her credit card to apply for the purchase of the following RFID ID use rights; Built-in an RFID-tag that stores credit card identification information corresponding to the credit card information input through the user terminal, and transmits the credit card identification information to the RFID-reader through wireless communication with the RFID-reader. RF ID ticket provided; Downloading the credit card identification information of the user who applied for the purchase of the RFID use right from the following credit card identification information management means through the following data communication network, and recorded it on the RFID ID tag of the RFID use right and applied for the purchase. A means for issuing an RF ID right for issuing an RF ID for a user; And a value input means for inputting an RFID-reader for reading credit card identification information and an amount of money information from the RFID use right issued through the RFID use right issuing means, and the following credit card identification information through the following data communication network. Transaction information input means connected to a management means for transmitting transaction information including the read credit card identification information, input amount information and seller information to a credit card identification information management means; Receive the user's integrated payment request and receive the transaction information according to the user's use of the RF ID through the following data communication network from the credit card identification information management means through the output means, according to the user's transaction information When the transaction history is confirmed, a receipt request means for making a payment request using the credit card of the user to the credit card identification information management means, and receiving the approved integrated transaction details from the credit card identification information management means and outputting a receipt. And a signature input means for inputting a handwritten confirmation of the user; The RF ID usage right issuing means, the transaction information input means, the user terminal, the integrated payment terminal and the credit card company payment system is connected to the following data communication network, including an identification information database and transaction information database from the user terminal to the credit card Receive information about the availability of the credit card from the credit card company payment system, and if the credit card is available, generate credit card identification information for identifying the credit card and store it in the identification information database; Authorizes the purchase of RFID use rights, provides credit card identification information for issuing RFID use rights from the RFID use rights issuing means, and receives transaction information through the transaction information input means. Determining whether the right of use is valid, and if valid, stores the transaction information in the transaction information database, provides all the transaction information of the user who made an integrated payment request through the integrated payment terminal to the integrated payment terminal, and then makes a payment. When the transaction history according to the transaction information is confirmed, payment information including credit card information and all transaction information corresponding to the credit card identification information is transmitted to the credit card company payment system, and a transaction approval request is made. Credit card identification information management means for receiving an authorization result according to the authorization request and receiving the authorization result and transmitting the authorization result to the integrated payment terminal; And A data communication network providing a transmission path for data transmission and reception between the RFID usage right issuing means, the transaction information input means, the user terminal, the integrated payment terminal, the credit card identification information management means, and the credit card company payment system. Credit card payment system using the RFID ticket stored credit card identification information, characterized in that. The method of claim 1, wherein the credit card identification information Credit card identification information, characterized in that any one of the information including the card number of the credit card, the encryption information encrypted through the predetermined encryption program and the identification information assigned to distinguish the user of the credit card; Credit card payment system using a stored ID ID. The method of claim 1, wherein the ID to use the ID One of the card form on the square plate, the form of the band to be worn on the wrist, and the form of a card hanging on the neck including the necklace on the card form of the square plate; Credit card payment system using. According to claim 1, wherein the credit card identification number management means Assigning an authentication number necessary for issuing an RFID ID right to the user who has applied for the purchase of the RFID ID right and requesting the authentication number if there is a request for credit card identification information from the RFID ID issuance means; Credit card payment system using the RFID ticket that stores the credit card identification information. The method of claim 4, wherein And an SMS server for transmitting the authentication number to a mobile communication terminal of a user who has applied for the purchase of the RFID use right. The credit card payment system using the RFID ID used for storing the credit card identification information. According to claim 1, wherein the credit card identification information management means And storing user information and payment information previously paid by the user, including the user information database, and providing the information to the user through the data communication network at the request of the user through the user terminal. Credit card payment system using the RFID card that stores the card identification information. In the method of recording the contents of a plurality of transactions, collecting the amount of payments generated by the recorded multiple transactions and paying the sum using a credit card, a) the user accesses the credit card identification information management means through the user terminal, inputs information about the user's credit card, and if the credit card identification information management means is available according to the availability of the inputted credit card, the credit card identification information management means; Generating a credit card identification information and storing it in the identification information database; b) After the step a), if the user requests to issue an RF ID through the means for issuing an RFID ID, the user receives the credit card identification information from the credit card identification information management means and receives the tag of the RFID ID. A step of issuing an RFD use right issued through an RFID use right issuing means stored in the; c) a transaction for receiving a plurality of transaction information input through the transaction information input means from the credit card identification information management means as the user uses the use right of the RF ID issued in step b) and stores it in the transaction information database Information gathering step; d) a transaction history checking step of receiving transaction details according to the transaction information from the credit card identification information management means to confirm the transaction information collected in step c) through an integrated payment terminal; e) When the user confirms the transaction in step d), the credit card identification information management means transfers the payment information including the user's credit card information and all the transaction information necessary for the payment using the credit card to the credit card company's payment system. An integrated transaction approval result notification step of transmitting, receiving an approval result from the credit card company payment system, and transmitting the received approval result to the integrated payment terminal; And f) If the approval fails in step e), the failure result is output. If the approval is successful, the user's signature is input through the signature input means of the integrated payment terminal, and the receipt is printed through the receipt output means. Completion of the credit card payment step of completing a transaction using a credit card; Credit card payment method using the RFID use rights stored credit card identification information comprising a. The method of claim 7, wherein The step a) further includes a step of providing an authentication number generated and provided by the credit card identification information management means for the user who applied for the purchase of the RFID use right, the authentication number required for issuing the RFID use right. The step b) comprises the step of confirming the authentication number verification step for confirming the credit card identification information provided in the step a) before providing the credit card identification information management means; storing the credit card identification information further comprises How to use credit card payment using RFID Pass. The method of claim 8, wherein the authentication number providing step A step of transmitting an authentication number through an SMS server for transmitting an authentication number necessary for issuing an RFID ID right generated by the credit card identification information management means to a mobile communication terminal of a user who has applied for the purchase of the RFID ID right through an SMS server; Credit card payment method using the RFID use ticket stored credit card identification information, characterized in that it further comprises a. The method of claim 7, wherein step f) If the approval request in the step e) is normally processed in the credit card company payment system receives the user's signature payment information storage step of storing the signature information and the normal payment information in the user information database; Credit card payment method using the RFID ticket that stores the credit card identification information.

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