Patent ID: 11887065
Assignee: LORDSYSTEM CO., LTD.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 1:
2. The intelligent credit card payment system of claim
1, wherein the intelligent terminal comprises at least one of:
a card reader unit for reading the credit card of the purchaser to input the transaction information;
a control unit having:
a credit card payment linkage routing module for selecting a payment network subject to the VAN linkage or the PG linkage according to the inputted transaction information and the setting,
a VAN linkage approval information generation module for encrypting and generating approval information when VAN is linked,
a PG linkage approval information generation module for encrypting and generating approval information when PG is linked, and
a response message analysis approval routing module for determining whether to set up PG linkage by analyzing a rejection reason when the VAN linkage approval information is rejected;

a communication processing unit having:
a VAN linkage approval module,
a PG linkage approval module, and
a communication module for storing completed transaction information in a DB server through a communication network; and

a memory unit having a last previous credit card approval transaction storage module in which transaction information before transaction completion approval is encrypted and temporarily stored.