KR20030042788A - Hand-held relay apparatus and settlement system using the same - Google Patents

Abstract

PURPOSE: A portable repeater, and a payment system using the same are provided to repeat the credit card data of a customer to a credit card processor or a POS(Point Of Sale) terminal, located away from the current position of the customer, via an infrared signal or an RF(Radio Frequency) signal. CONSTITUTION: The portable repeater(10) comprises a card reader(12) and a payment data transceiver(11). The card reader(12) receives the credit card data. The payment data transceiver(11) receives payment data from a payment terminal of a customer or communicates data with a credit card payment processor. The portable repeater(10) also includes a power switch(14), a key pad(13), a display(15), a memory and a controller. The memory temporarily stores the payment data transmitted via the transceiver(11) or via the card reader(12). The controller controls a transmission of the temporarily stored payment data to a payment processing terminal such as a credit card payment processor or a POS terminal according to an operation of the keypad.

Description

Handheld relay apparatus and settlement system using the same

The present invention relates to a payment system in department stores, gas stations, restaurants, etc. More specifically, the credit card information of the customer in the form of infrared (Ir) or RF signal, such as a credit settlement device (credit card) The present invention relates to a portable relay device and a payment system using the same, so that a credit payment can be made safely and conveniently without a customer's movement by relaying to an inquiry machine or POS).

Recently, as a payment method, a card (card) that is easy to use and carry is used more than cash. Most cards are magnetic, so there are many inconveniences. For example, there is a risk that the credit information recorded in the magnetic part may be damaged, and there is a fear of fraud due to theft and loss. Thus, a new payment system has been proposed by the applicant of the present invention to store card information in a portable terminal such as a mobile phone and transmit it as an optical signal to pay for the magnetic card. More detailed information related thereto is described in the specification of the "photo paper transmission and reception apparatus and a photo payment system using the same" of the patent application No. 2001-13736 filed by the applicant of the present invention, and further descriptions thereof are omitted here.

However, the payment system as described above can be settled using the payment terminal carried by the customer only when the card inquiry machine is close to the customer. This makes payment by payment terminal inconvenient in department stores, gas stations and restaurants divided into several rooms, where only a few card inquiries are installed. In addition, there is a risk of illegal theft because the customer's card must be taken to a payment place away from the customer even in the existing payment system through the magnetic card.

Therefore, the object of the present invention is devised in view of the above-mentioned point, is made to be easy to carry and move, receiving the customer's credit card information in the form of infrared (Ir) or RF signal at the current location of the customer or magnetic card The present invention provides a portable relay device that reads and stores temporarily to use only once for payment.

Another object of the present invention is to provide a payment system using a portable relay device that allows the customer to pay at a cost without having to move or hand the credit card to the clerk using the portable relay device described above.

1 and 2 is a view showing the outer appearance and internal configuration of the repeater of the portable repeater according to the present invention,

3 and 4 is a view showing the external appearance and internal configuration of the relay base apparatus connected to the portable repeater of the present invention,

5 to 7 is a payment system using a portable repeater of the present invention in a department store operating a POS system, FIG. 5 is a case where only a portable repeater is used, and FIG. 6 is a repeater using a portable repeater and a wired LAN. And, Figure 7 is a view showing a case of using a repeater device using a portable repeater and a wireless LAN, respectively,

8 to 10 is a payment system using a portable repeater of the present invention at a gas station operating a POS system, FIG. 8 is a case where only a portable repeater is used, and FIG. 9 is a repeater using a portable repeater and a wired LAN. And, Figure 10 is a view showing a case of using a repeater device using a portable repeater and a wireless LAN, respectively,

11 is a payment system using a portable repeater of the present invention when not operating a POS system, showing a case where only a portable repeater is used;

12A and 12C are screen state diagrams displayed on a display unit of a portable repeater.

<Description of the symbols for the main parts of the drawings>

10: portable repeater 11: payment information transmitter and receiver

12: card reader unit 13: key operation unit

14 power switch 15 display unit

16,36: power supply unit 17: control unit

18: memory 19: serial communication unit

20,32 Connector 21: POS

23,31: receiver 25: POS server

30: relay base device 33: switch

34: interface unit 35: printer

In the portable relay device of the present invention for achieving the above object, in the relay device for transmitting the card information of the payment terminal or the magnetic card of the optical payment system to pay the charge using the optical signal to the payment device, the payment A payment information transmitting and receiving unit for receiving payment information from a terminal and transmitting payment information to the payment device, a card reader unit for reading payment information from the magnetic card, payment information received at the payment information transmitting and receiving unit, and A memory for temporarily storing payment information read from the card reader unit, a key operation unit having a plurality of buttons, and payment information stored in the memory according to a button operation of the key operation unit through the payment information transmission and reception unit; It includes a control unit for controlling the transmission to the device once, the size is portable and mobile It is characterized by having a portable repeater to be constructed.

The portable relay device of the present invention further includes a relay base device which receives payment information from the portable repeater and transfers the payment information to the payment device between the portable repeater and the payment device, so that the payment information can be transmitted without moving to the payment device. Do.

A payment system using a portable relay device for achieving another object of the present invention is an infrared (Ir), RF signal, magnetic in a payment system in a place where the customer and the payment device, such as department stores, gas stations, restaurants, etc. Receiving and receiving payment information in the form of one of the card swapping, a relay device designed to be easily portable to transmit the stored payment information in the form of Ir or RF signal only once, and receives the payment information transmitted from the portable relay device And a payment device for requesting a transaction approval with payment information received by the reception unit.

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

1 shows a repeater outline of a portable repeater according to the present invention. The repeater 10 shown in Figure 1 is made of a handy-type (size) that can be moved by the clerks in their hands or carried in the form of a necklace (magnetic), the payment information including the customer's card number, etc. The card reader unit 12 and the payment information transmitting and receiving unit 11 are provided so as to receive all of them through the card swapping and communication with the payment terminal. The card reader unit 12 is provided on the right side of the repeater 10 so that the clerk holding the repeater 10 in hand can easily scratch the magnetic card, and the payment information transmitting and receiving unit 11 is a payment terminal or a credit device of the customer. Is provided on the upper front side of the repeater 10 to facilitate communication with. That is, the infrared (Ir) transmitter and receiver of the payment information transmitter and receiver 11 is located on the upper front side of the repeater 10 and the RF transmitter and receiver are embedded in the repeater 10. The repeater 10 shown in FIG. 1 also includes a key operation unit 13 in which a plurality of buttons are arranged, an LCD display unit 15 displaying the operation state according to the button operation on the screen, and a power " ON &quot; A power switch 14 is provided for the &quot; OFF &quot; operation. The internal configuration of such a portable repeater 10 is as shown in FIG.

The portable repeater 10 shown in FIG. 2 receives a credit card information through communication with a card reader 12 for swapping a magnetic card, and a payment terminal carried by a customer, and a POS or credit card inquiry device with a receiving unit attached thereto. And a payment information transmitting / receiving unit 11 for transmitting credit card information to a credit settlement device such as the above or a relay base apparatus 30 to be described later. The payment information transmitter / receiver 11 includes an infrared (Ir) transmitter and receiver 112 and an RF transmitter and receiver 111 according to a communication method. The portable repeater 10 of FIG. 2 is also connected to the relay base device 30, a connector 20 for delivering credit card information, a numeric button and a power source used when a number such as a customer's password and amount is required. Through a key operation unit 13 consisting of a plurality of buttons such as a (POWER) button, a reset button for initialization or data clearing, and a card reader unit 12 or payment information transmission / reception unit 11 And a memory 18 for temporarily storing the input credit card information as payment information. The display unit 15 displays the operation state according to the button operation of the key operation unit 13. On the other hand, the portable repeater 10 of FIG. 2 is a serial communication unit 19 for communicating with the outside for the program upgrade, and controls the above-described components as a whole for the payment of the credit card information of the customer stored in the memory 18 And a controller 17 for outputting only once and deleting the corresponding credit card information output once. The power supply unit 16 is for supplying power required for each component operation of the portable repeater 10 and is charged by a charger or supplied with power through a separate battery.

3 shows the external appearance of the relay base apparatus connected to the portable repeater 10 shown in FIG. The relay base apparatus 30 shown in FIG. 3 includes both a connector 32 and a receiver 31 to receive all payment information through contact and communication with the portable repeater 10. The connector 32 is provided on the upper surface of the relay base device 30 in order to stably contact with the portable repeater 10, and the power supply 37 is provided in the connector 32 so that the operating power required for the portable repeater 10 is in contact. Supply it. The relay base apparatus 30 shown in FIG. 3 also includes a printer 35 for printing payment details. The internal configuration of the relay base device 30 is as shown in FIG.

The relay base apparatus 30 shown in FIG. 4 includes a receiver 31 for receiving payment information through communication with a portable repeater 10 carried by a clerk, and a connector 32 for contacting the portable repeater 10. Equipped. The receiver 31 includes an RF receiver 311 and an Ir receiver 312 according to a communication method. The relay base apparatus 30 of FIG. 4 also includes a switch 33 for instructing payment information to be delivered to the POS of the settlement station, and a wired I / F interface for transmitting payment information by interfacing with the POS in a wired or wireless LAN form. 341 and an interface portion 34 of a wireless I / F 342.

The operation of the payment system using the portable repeater 10 and the relay base apparatus 30 having such a configuration will be described with reference to the remaining drawings.

The present invention can be largely divided into a case of operating a point of sales (POS) system and a case of not operating a POS system. In the case of operating the POS system, the portable repeater 10 of the present invention may be used only, and the portable repeater 10 and the relay base apparatus 30 may be used. When both the portable repeater 10 and the relay base apparatus 30 are used, the relay base apparatus 30 is divided depending on whether the relay base apparatus 30 uses a wired LAN or a wireless LAN.

First, the example of a department store and a gas station is demonstrated concretely.

5 shows a case of a department store operating a point of sales (POS) system and using only a portable repeater 10. Referring to FIG. 5, a customer tells a department store clerk whether to use a payment terminal, a magnetic credit card, or an RF card when purchasing an item. In addition, it tells you whether your credit card payment or own card payment. If the credit card is settled by the payment terminal, the department store clerk sets the portable repeater 10 in the credit card reception standby state by button operation of the key operation unit 13 of the repeater 10 of the present invention. That is, in the state in which the initial screen shown in FIG. 12A is displayed on the display unit 15 of the portable repeater 10, the clerk inputs the amount to be paid by pressing a number button on the key control unit 13 (FIG. Second screen of 12a), press the "Credit card" button to set the reception standby state. The key operation unit 13 may separately allocate a "credit card" button or a number button, for example, a "1" button. In this embodiment, the number button "1" is assigned to the "credit card" button. When the number button "1" of the key operation unit 13 is pressed, the control unit 17 recognizes the message indicating that the "credit card reception standby" state on the display unit 15 screen as shown in the third screen shown in FIG. Do it. The department store clerk presents the repeater 10 carried to the customer so that the customer can transfer the credit card information from the payment terminal possessed by the customer. The credit card information transmitted from the customer's payment terminal is an infrared (Ir) type optical signal. If the RF adhesive credit card payment, the customer can attach the card to the appropriate portion of the portable repeater 10 presented by the clerk to transmit the credit card information in the form of RF signal. The portable repeater 10 receives the IR card information in the form of infrared (Ir) from the payment terminal of the customer and receives it from the Ir transmitter 112 of the payment information transmitter / receiver 11, and receives the RF card information in the RF form. Received by the transceiver 111. The Ir transmitter 112 or the RF transmitter 111 converts the received credit card information into an electrical signal and temporarily stores it in the memory 18 through the control unit 17. When the card information is normally received and stored, the control unit 17 of the portable repeater 10 is displayed on the display unit 15 as shown in the fourth screen shown in FIG. 12A to inform that the credit card has been received. The clerk moves to the place where the POS 21 is located with the portable repeater 10 in which the card information is stored. POS 21 is the same as the conventional POS and is additionally equipped with a receiver 23 for receiving card information only in the form of a signal such as infrared or RF. The clerk presses the " credit card " button, i.e., the number button " 1 " on the key operation unit 13 of the portable repeater 10, to store card information stored in the memory 18 through the payment information transmission / reception unit 11; 21 to the receiver 23 connected to the receiver. Here, the payment information transmission method used may be both infrared and RF, and is determined according to the type of the receiver 23 attached to the POS 21. If the receiver 23 attached to the POS 21 is of an Ir type, the cashier operates the preset button on the repeater 10 key operation unit 13 so that the payment information stored in the memory 18 is transmitted through the Ir transmitter 112. Ir signal is converted and transmitted. If the reception unit 23 attached to the POS 21 is in RF format, the clerk operates a preset button on the repeater 10 key operation unit 13 so that the payment information stored in the memory 18 is transmitted through the RF transceiver 111. It is converted into RF signal form and transmitted. The portable repeater 10 deletes the card information stored in the memory 18 when the card information is normally transmitted to the POS 21, that is, in the case of communication success or end button, power off, time out, and the like. The POS 21 sends credit card information received through the receiving unit 23 to a van company / card company 40, 50 through the POS server 25 of the department store to confirm whether the transaction is approved. The POS server 25 is connected to POSs distributed in department stores via a LAN network. If the transaction is approved from the bansa / card company (40, 50) as a result of the confirmation, the POS 21 requesting the transaction approval outputs the approval slip, the department store clerk delivers the printed slip to the customer to check the transaction history. Here, in the case of the company card payment, instead of pressing the "credit card" button of the portable repeater 10, the number button "2" assigned to the "company card" button is pressed, and the company's host company without going through the bansa / card company (40,50) (60) It decides the approval of transaction about personal credit information, installment and payment amount.

On the other hand, in the case of magnetic credit card payment, the customer passes the credit card to the clerk. The clerk makes a credit card standby state by pressing the number button "1" on the key operation unit 13 of the portable repeater 10 as in the case of payment terminal payment. At this time, the message "waiting for credit card" is displayed on the screen of the portable repeater 10 display unit 15. The clerk reads the credit card handed by the customer through the card reader unit 12 provided on the right side of the portable repeater 10. At this time, the message "Complete credit card received" is displayed on the screen of the portable repeater 10 display unit 15. The clerk checks the message, returns the card to the customer, and then takes the portable repeater 10 to the place where the POS 21 is located. If the magnetic credit card is a department store company card, a message for requesting a "password input" is displayed on the screen of the portable repeater 10 display unit 15 as shown in the fourth screen of FIG. In this case, the clerk returns the card to the customer and then presents the portable repeater 10 to the customer so that the customer can directly input the card password. The customer inputs a password by button operation on the key operation unit 13 of the portable repeater 10. At this time, the display unit 15 is displayed as "****" so that the password is not exposed. The process after that is the same as the payment method by optical payment.

Next, a case in which the relay base apparatus 30 using the wired LAN is used together with the portable repeater 10 will be described with reference to FIG. 6. Referring to FIG. 6, a customer who purchases an item at a department store pays with one of a payment terminal, an RF card, and a magnetic credit card. Since the payment method is the same as described above with reference to FIG. 5, the description is omitted here. The clerk takes the portable repeater 10 storing the payment information of the customer to the place where the relay base device 30 is located instead of the POS 21 and transmits the payment information to the relay base device 30. There are two main methods of transmission. The first is to mount the repeater 10 to the relay base device 30 so that the connector 20 of the portable repeater 10 is in contact with the connector 32 of the relay base device 30, and the second is the relay base device 30 The payment unit 31 transmits the payment information in the form of an RF or Ir signal. The receiver 31 is received through the RF receiver 311 if the payment information transmitted from the portable repeater 10 is in the form of an RF signal, and is received through the Ir receiver 312 if it is an Ir signal. The relay base apparatus 30 having received the payment information from the portable repeater 10 transmits the corresponding payment information to the POS 21 according to the operation of the switch 33. The POS 21 and the relay base device 30 are connected by wired LAN, and the relay base device 30 transfers payment information to the POS 21 through the wired I / F 341 of the interface unit 34. do. When the relay base device 30 is notified of the transaction approval through the POS 21 which has transmitted the payment information, the relay base device 30 prints and outputs the approval slip through the printer 35. The department store clerk can receive the slip from the relay base device 30 even if the POS 21 is not moved to the place, and delivers the slip to the corresponding customer to check the transaction history.

7 shows that the POS 21 and the relay base device 30 are connected to each other by a wireless LAN, and the relay base device 30 transmits payment information through the wireless I / F 342 of the interface unit 34. The same operation as described in FIG.

8 shows a case of a gas station operating a POS system and using only the portable repeater 10. Referring to FIG. 8, after filling a vehicle entering a gas station, the service provider notifies the customer that fueling is finished and inquires about a payment method. The customer selects the payment method after refueling. When the customer selects the credit card payment by the payment terminal, the service provider presses the "credit card" button on the key operation unit 13 of the repeater 10 to be placed in the reception standby state. In this case, the message "waiting for credit card" is displayed on the screen of the portable repeater 10 display unit 15. The petrol station presents the portable repeater 10 to the customer. The customer transmits the credit card information to the payment terminal to the portable repeater 10 presented by the petrol station while in the car. Here, the payment terminal also transmits the credit card information in an infrared (Ir) type optical signal. If the RF adhesive credit card payment, the customer attaches the card to the appropriate portion of the portable repeater 10 presented by the clerk to transmit the credit card information in the form of RF signal. The portable repeater 10 receives the credit card information through the Ir transceiver 112 or the RF transmitter 111 in accordance with the transmission form. The Ir transmitter 112 or the RF transmitter 111 converts the received credit card information into an electrical signal and temporarily stores it in the memory 18 through the control unit 17. The controller 17 of the portable repeater 10 displays a message of "credit card reception complete" on the display unit 15 screen when the card information is normally received and stored. If the customer is a bonus card holder, the service provider makes a reception standby state by pressing the number button "3" assigned to the "bonus card" button on the portable repeater 10 key operation unit 13. At this time, as shown in the second screen of FIG. 12C, a message “Bonus card reception standby” is displayed on the screen of the portable repeater 10 display unit 15. The customer transmits the bonus card information to the portable repeater 10 in the vehicle aboard state. As above, the bonus card information transmission method is possible for both Ir and RF. The payment information transmitter / receiver 11 of the portable repeater 10 receives the bonus card information in the Ir form by the Ir transmitter 112 and receives the RF card by the RF transmitter 111 and converts it into an electrical signal. After that, it is temporarily stored in the memory 18 through the controller 17. The portable repeater 10, the control unit 17, if the bonus card information is normally received, so that the message "bonus card reception completed" message is displayed on the display unit 15 screen and also beeps to sound. The service provider has a portable repeater 10 in which credit card information and bonus card information are stored, and moves to a place where a credit card inquiry machine 70 with a receiving unit 75 is installed. The service provider presses the "credit card" button on the key operation unit 13 of the portable repeater 10 to transmit the credit card information stored in the memory 18 to the reception unit 75 of the credit card inquiry machine (CAT) 70. . Then, by pressing the "bonus card" button, the bonus card information stored in the memory 18 is also transmitted to the receiving unit 75 of the credit card inquiry machine 70. The communication method that can be used between the portable repeater 10 and the credit card checker 70 can also be Ir and RF as before, and is determined according to the type of the receiver 75 attached to the credit card checker 70. It is done. If the receiving unit 75 of the credit card inquiry machine 70 is Ir type, the clerk presses a preset button of the repeater 10 key operation unit 13 and the Ir card 112 and the credit card information and bonus card information are Ir type. In the RF form, the card information is transmitted through the RF transceiver 111 in the RF form. Credit card inquiry machine 70 sends the credit card information of the payment information received through the receiving unit 75 to the bansa / card company (40, 50) to confirm the transaction approval, and the bonus card information through the POS (21) Send to refiner host 80. The POS 21 installed at the gas station is connected to the external gas stations through a wired LAN network, and serves to set the oil supply amount, the amount of oil, etc. of the gas stations. The credit card inquiry machine 70 outputs an approval slip when a transaction is approved from the bansa / card company 40, 50 and the bonus score of the customer is transferred from the refiner host 80 via the POS 21. The gas station delivers the printed slip to the customer.

If the customer wants to use a magnetic credit card as a payment method, not a payment terminal, the customer passes his magnetic credit card to the gas station. If you have a bonus card, pass it at the same time. The service station presses the "credit card" button on the portable repeater 10 key operation unit 13 to carry it into a standby state. When the "credit card" button is pressed on the key operation unit 13, the control unit 17 of the portable repeater 10 causes the display unit 15 to display a message "waiting for credit card reception". After checking the contents of the screen on the display unit 15 of the portable repeater 10, the service provider reads the customer's credit card into the card reader unit 12 of the portable repeater 10 and temporarily stores the card information in the memory 18. At this time, a message "Complete credit card received" is displayed on the display unit 15 screen. When the service provider receives the bonus card from the customer, it presses the "bonus card" button on the portable repeater 10 key operation unit 13 to make the standby state for receiving the bonus card information. In this case, the display unit 15 displays a message "waiting to receive a bonus card". The service provider reads the bonus card to the repeater 10 and the card reader unit 12 and temporarily stores the bonus card information in the memory 18. If the bonus card information has been successfully read, the repeater 10 screen is displayed a message "Complete bonus card received." After returning the card to the customer, the service provider moves to the place where the credit card checker 70 and the POS 21 are located, and transmits the information temporarily stored in the repeater 10 in the form of an Ir or RF signal as described above. Make a payment.

Next, a case in which the relay base apparatus 30 using the wired LAN is used together with the portable repeater 10 will be described with reference to FIG. 9. 9, a customer who has gassed at a gas station at a gas station pays the gas price with one of a payment terminal, an RF card, and a magnetic credit card. Since the payment method is the same as described above with reference to FIG. 8, the description is omitted here. The service provider takes the portable repeater 10 storing the payment information of the customer to the relay base device 30 and transmits the credit card information and the bonus card information to the relay base device 30. As described above, the transmission method may be used in two ways. The first is to mount the portable repeater 10 to the relay base device 30 so that the connector 20 of the portable repeater 10 contacts the connector 32 of the relay base device 30, and the second is the relay base device ( The receiver 31 transmits the credit card information and the bonus card information in the form of RF or Ir signal. The receiving unit 31 of the relay base device 30 receives the RF card 311 if the credit card information and the bonus card information transmitted from the portable repeater 10 are in the form of an RF signal, and the Ir receiver 312 if the Ir signal is an Ir signal. Received through). The relay base apparatus 30 which receives the credit card information and the bonus card information from the portable repeater 10 transmits the corresponding information to the POS 21 according to the operation of the switch 33. The POS 21 and the relay base device 30 are connected by wired LAN, and the relay base device 30 transfers credit card information and bonus card information to the POS 21 through the wired I / F 341. . The POS 21 sends the received credit card information of the customer to the bansa / card company (40, 50) and sends the bonus card information to the refinery host (80) to request the transaction approval. When the relay base device 30 is notified of the transaction approval through the POS 21 which has transmitted the payment information, the relay base device 30 prints and outputs the approval slip through the printer 35. The gas station clerk can receive the slip from the relay base device 30 even if the POS 21 is not moved to the place, and delivers the slip to the corresponding customer to check the transaction history.

FIG. 10 shows that the POS 21 and the relay base device 30 are connected to each other by a wireless LAN, so that the relay base device 30 stores credit card information and bonus card information through the wireless I / F 342. The same operation as described in FIG. In other words, between the POS 21 and the lubricator of the settlement station is connected by wired LAN, the fuel sales of the lubricators are made by wire, but the POS 21 and the relay base device 30 are connected by a wireless LAN to pay the customer. Information is delivered wirelessly.

Next, a case in which the POS system is not operated will be described with reference to FIG. 11. In this embodiment, a case of a restaurant will be described as an example.

The customer who has finished eating at the restaurant enters his or her payment information into the repeater 10 carried by the employee without having to go to the counter where a credit card checker (CAT) 70 is installed or hand the employee a credit card. . That is, the employee receives the payment information from the customer after making the repeater 10 into the payment information reception standby state through a button operation on the key operation unit 13 of the portable repeater 10. The customer transmits the payment information to the portable repeater 10 in the form of an Ir or RF signal using one of a payment terminal, an RF card, or a magnetic credit card, or the card reader unit 12 of the portable repeater 10 presented by the employee. Swipe the magnetic credit card through to enter the credit card information directly. The portable repeater 10 stores the payment information received from the payment information transmitting / receiving unit 11 or read from the card reader unit 12 in the memory 18. When the employee's payment information is normally stored in the portable repeater 10, the employee moves the repeater 10 to the counter on which the credit card inquiry machine 70 is installed. The employee transmits the payment information stored in the memory 18 to the receiving unit 75 of the credit card checker 70 through a button operation on the key operation unit 13 of the portable repeater 10, and the portable repeater 10. The communication method that can be used between the credit card query device 70 is possible, as described above, both Ir and RF, and is determined according to the type of the receiver 75 attached to the credit card query device 70. Credit card inquiry machine 70 sends the payment information received through the receiving unit 75 to the bansa / card company (40, 50) to check whether the transaction approval. If the transaction is approved from the bansa / card company (40, 50) as a result of confirmation, the employee outputs a receipt from the credit card inquiry machine 70 to complete the payment by receiving a customer signature.

As described above, the portable relay device of the present invention and a payment system using the same include a card reader unit and an infrared and RF combined payment information transmitter and receiver to temporarily store credit card information so that both a payment terminal and a magnetic credit card settlement can be performed. If the information is transferred to the payment center or transferred to the payment center without the transfer to the payment center through a relay station connected to the POS or wired or wireless LAN, the customer may be separated from the payment location such as a gas station, department store or restaurant. Customers can make payments on the spot even if they do not go directly to the credit settlement place, which can prevent inconvenience in credit transactions and card misuse.

Claims (17)

In the relay device for transmitting the card information of the payment terminal or the magnetic card of the optical payment system that pays the fee by using an optical signal, A payment information transmitting and receiving unit for receiving payment information from the payment terminal and transmitting payment information to the payment device; A card reader unit for reading payment information from the magnetic card; A memory for temporarily storing payment information received by the payment information transmitting and receiving unit and payment information read by the card reader unit; A key control unit having a plurality of buttons; And And a control unit controlling the payment information stored in the memory to be transmitted to the payment device once through the payment information transmission and reception unit according to a button operation of the key operation unit. Portable repeater comprising a portable repeater that is manufactured in a size that can be carried and moved. The portable relay apparatus of claim 1, wherein the payment information transmitter and receiver determine a signal type for adaptively transmitting and receiving card information as payment information according to a communication method between the payment terminal and the payment device. 3. The portable relay device according to claim 2, wherein the payment information transmitter / receiver is an Ir transmitter / receiver for transmitting and receiving card information in the form of infrared (Ir). The portable repeater of claim 2, wherein the payment information transmitter / receiver is an RF transmitter / receiver for transmitting / receiving RF card information. The apparatus of claim 3 or 4, wherein the payment information transmitter and receiver are arranged on an upper front side of the receiver to facilitate transmission and reception with the payment terminal and the payment device, and the card information can be easily read from the RF adhesive card. Built-in RF transmitter and receiver to have an adhesive surface The card reader unit is a portable relay device, characterized in that disposed on the right side to facilitate reading the magnetic card. The portable relay device of claim 1, wherein the key operation unit comprises a dedicated button corresponding to a payment card, or uses a numeric button for inputting a number including a password and an amount as a payment card button. 7. The portable relay apparatus according to claim 1 or 6, further comprising a display unit for displaying an operation state according to the operation of the key operation unit. The memory device of claim 1, wherein the control unit stores the payment information stored in the memory in the memory when the payment information is normally received by the payment device or when the end button operation of the key control unit, power "OFF", and time out are performed. Portable relay device, characterized in that for deleting the stored payment information. The portable relay device of claim 1, further comprising a relay base device connected between the portable repeater and the payment device to receive payment information from the portable repeater and transmit the received payment information to the payment device. 10. The portable repeater of claim 9, wherein the portable repeater and the relay base apparatus are directly connected through a connector or wirelessly connected to each other so that payment information is input from the portable repeater. 11. The apparatus of claim 10, wherein the relay base device includes a receiver for receiving payment information from the portable repeater. And the receiver comprises an Ir receiver and an RF receiver for receiving infrared (Ir) and RF payment information. The portable relay device of claim 10, wherein the relay base device and the payment device are wired or wirelessly connected, and transfer the received payment information to the payment device. The apparatus of claim 12, wherein the relay base apparatus includes an interface unit for performing payment with the payment device to transfer payment information. The interface unit is a portable relay device, characterized in that consisting of a wired I / F using a wired LAN, and a wireless I / F using a wireless LAN. In a payment system in a place where customers and payment devices are separated from department stores, gas stations, restaurants, etc., A relay device configured to be easily portable to receive and store payment information in one of infrared (Ir), RF signal, and magnetic card swapping, and to transmit the stored payment information only once in the form of Ir or RF signal; And And a payment device for receiving payment information transmitted from the portable relay device, and a payment device for requesting a transaction approval with payment information received from the reception device. 15. The apparatus of claim 14, wherein the portable relay device comprises a payment information transmitting and receiving unit for transmitting and receiving payment information in the form of Ir and RF signals and a card reader unit for receiving or reading payment information, and transmitting the payment information through the payment information transmitting and receiving unit. Payment system, characterized in that the portable repeater relaying to the device. 15. The portable relay device of claim 14, wherein the portable relay device A portable repeater including a payment information transmitting and receiving unit for transmitting and receiving payment information in an Ir and RF signal form and a card reader unit for receiving or reading payment information and for relaying the payment information to the relay base apparatus; And And a relay base apparatus using a wired LAN to receive payment information through communication or contact with the portable repeater and transmit the payment information to a wired connected payment device. 15. The portable relay device of claim 14, wherein the portable relay device A portable repeater including a payment information transmitting and receiving unit for transmitting and receiving payment information in an Ir and RF signal form and a card reader unit for receiving or reading payment information and for relaying the payment information to the relay base apparatus; And And a relay base device using a wireless LAN for receiving payment information through communication or contact with the portable repeater and transmitting the received payment information to a wirelessly connected payment device.