Method and apparatus for credit card inquiry using cable network

• US 20040044619A1
• Filed: 06/17/2003
• Published: 03/04/2004
• Est. Priority Date: 12/30/2000
• Status: Abandoned Application

• Current Assignee: Fromus Tec Company Limited, Jung-Yong Chung
• Original Assignee: Fromus Tec Company Limited, Jung-Yong Chung
• Inventors: Chung, Jung-Yong
• Application Number:
  US10/450,686
• Publication Number:
  US 20040044619A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A method and apparatus for a credit card inquiry using a high-speed cable network is disclosed. The apparatus for a credit card includes: a communication unit for transmitting/receiving data necessary for a credit card inquiry to/from a master modem in a high speed communication network; a connection unit for connecting to another credit card inquiry system; a first controlling unit for processing information from the communication unit and the connection unit; a first storing unit for storing programs and information related to the first controlling unit; an output unit for outputting the information from the first control unit; a reading unit for reading information in the credit card; a key input unit for receiving a value necessary for approving a credit dealing; a PSTN communication unit for performing a communication through a public switched telecommunication network; a second controlling unit for controlling the output unit, the card reading unit, the key input unit; and a second storing unit for storing programs and information related to the second controlling unit.

Claims

1. A credit card inquiry apparatus, comprising:

a high-speed data communication means for transmitting/receiving data related to credit card inquiry with a master modem set up in a high-speed data communication network;

an access means for accessing to another credit card inquiry apparatus;

a first control means for processing data on communication conducted by the high-speed data communication means and the access means;

a first storage means for storing programs and data related to the first control means;

an output means for outputting the data processed in the first control means outside;

a card reading means for reading the credit card;

a key input means for inputting a predetermined value needed for a credit card approval;

a telephone access communication means for communicating through a telephone network access;

a second control means for controlling the output means, the card reading means, the key input means and the telephone access communication means; and

a second storage means for storing programs and data related to the second control means.

2. The apparatus as recited in claim 1, wherein the master modem is set up in the cable TV broadcasting station and a hybrid fiber coax (HFC) network center of an infra communication company.

3. The apparatus as recited in claim 1, wherein the high-speed data communication means includes:

a radio frequency (RF) tuning unit, an RF communication unit, a saw filter and an amplifier.

4. The apparatus as recited in claim 1, wherein the access means includes a Universal Serial Bus (USB) communication unit, a local area network (LAN) communication unit and a serial communication unit.

5. The apparatus as recited in claim 1, wherein the first control means processes data on the interface in need of high-speed communication, serial communication, USB communication and LAN communication between the credit card inquiry apparatus and the master modem.

6. The apparatus as recited in claim 1, wherein the output means includes a display unit and a receipt issue unit.

7. The apparatus as recited in claim 1, wherein the key input means is for approval request, input of an amount to inquire, menu selection and option selection.

8. The apparatus as recited in claim 1, wherein the second control means processes related data generated by the telephone access communication means, stores inquiry result and processes data on the input/output and display.

9. The apparatus as recited in any one of claims 1 to 8, wherein the high-speed data communication means and the low-speed telephone access communication means are separated in the credit card inquiry apparatus so that communication could be still possible by switching the network to each other in case of network error and the telephone could be used simultaneously during the inquiry.

10. An apparatus for converting signal applied to a credit card inquiry apparatus, comprising:

a high-speed data communication means for transmitting/receiving data related to the credit card inquiry with a master modem set up in the high-speed data communication network;

an access means for accessing to another credit card inquiry apparatus;

a control means for processing data on communication performed by the high-speed data communication means and the access means; and

a storage means for storing programs and data related to the control means.

11. The apparatus as recited in claim 10, wherein the master modem is set up in a cable TV broadcasting station and a hybrid fiber coax (HFC) network center of an infra communication company.

12. The apparatus as recited in claim 10, wherein the high-speed data communication means includes:

a radio frequency (RF) tuning unit, an RF communication unit, a saw filter and an amplifier.

13. The apparatus as recited in claim 10, wherein the access means includes a Universal Serial Bus (USB) communication unit, a Local Area Network (LAN) communication unit and a serial communication unit.

14. The apparatus as recited in claim 10, wherein the control means processes data on the interface of the credit card inquiry apparatus in need of high-speed communication, serial communication, USB communication and LAN communication with the master modem.

15. The apparatus as recited in any one of claims 10 to 14, wherein the high-speed data communication means and the low-speed telephone access communication means are separated in the credit card inquiry apparatus so that communication could be still possible by switching the network to each other in case of network error and the telephone could be used simultaneously during the inquiry.

16. A method for inquiring a credit card applied to a credit card inquiry apparatus, comprising the steps of:

a) recognizing a credit inquiry data signal by reading the credit card of a user and transmitting the recognized credit inquiry data signal into a signal conversion means;

b) at the signal conversion means, receiving the credit inquiry data signal, modulating the credit inquiry data signal to generate a modulated credit inquiry data signal and transmitting the modulated credit inquiry data signal to a master modem of a CATV broadcasting station through the CATV network;

c) at the master modem of a CATV broadcasting station, demodulating the modulated credit inquiry data signal and transmitting the credit inquiry data signal whose protocol is changed to a VAN company; and

d) at the VAN company, receiving the protocol-changed credit card inquiry data and requesting credit card inquiry to the credit card company of the customer by using the data of the received credit inquiry data signal.

17. The method as recited in claim 16, further comprising the step of:

e) if the credit inquiry data signal received by the signal conversion means is a telephone call, transmitting the credit inquiry data signal to the VAN company through the telephone line.

18. The method as recited in claim 16 or 17, further comprising the steps of:

f) at the VAN company, receiving the credit inquiry data signal on the user'"'"'s credit card from the credit card company, transmitting the credit inquiry result signal to the master modem of the cable TV broadcasting station;

g) at the master modem of the cable TV broadcasting station, modulating the credit inquiry result signal to generate a modulated credit inquiry result signal and transmitting it to the signal conversion means of the card affiliated store through the CATV network; and

h) recognizing the modulated credit inquiry result signal transmitted through the signal conversion means and outputting the recognized credit inquiry result.

19. The method as recited in claim 18, wherein the credit inquiry data signal of the step a) includes credit card information, affiliated store information and transaction information.

20. The method as recited in claim 18, wherein the protocol-changed credit inquiry data signal of the step c) is transmitted from the master modem of the cable TV broadcasting station to the VAN company through the dedicated line.

21. The method as recited in claim 18, wherein the protocol change in step c) is carried out for the interface with the MUX of the VAN company.

22. The method as recited in claim 18, wherein the credit inquiry result signal in step f) is transmitted from the VAN company to the master modem of the cable TV broadcasting station through the dedicated line.

23. A computer readable recording medium storing instructions for executing a method for inquiring a credit card applied to a credit card inquiry apparatus, the method comprising the steps of:

a) recognizing a credit inquiry data signal by reading the credit card of a user and transmitting the recognized credit inquiry data signal into a signal conversion means;

b) at the signal conversion means, receiving the credit inquiry data signal, modulating the credit inquiry data signal to generate a modulated credit inquiry data signal and transmitting the modulated credit inquiry data signal to a master modem of a CATV broadcasting station through the CATV network;

c) at the master modem of a CATV broadcasting station, demodulating the modulated credit inquiry data signal and transmitting the credit inquiry data signal whose protocol is changed to a VAN company; and

d) at the VAN company, receiving the protocol-changed credit card inquiry data and requesting credit card inquiry to the credit card company of the customer by using the data of the received credit inquiry data signal.

24. The computer readable recording medium as recited in claim 23, the method further including the step of:

e) if the credit inquiry data signal received by the signal conversion means is a telephone call, transmitting the credit inquiry data signal to the VAN company through the telephone line.

25. The computer readable recording medium as recited in claim 23 or 24, the method further including the step of:

f) at the VAN company, receiving the credit inquiry data signal on the user'"'"'s credit card from the credit card company, transmitting the credit inquiry result signal to the master modem of the cable TV broadcasting station;

g) at the master modem of the cable TV broadcasting station, modulating the credit inquiry result signal to generate a modulated credit inquiry result signal and transmitting it to the signal conversion means of the card affiliated store through the CATV network; and

h) recognizing the modulated credit inquiry result signal transmitted through the signal conversion means and outputting the recognized credit inquiry result.