Off-line approval agency module and on-line / off-line approval system using it

摘要

The present invention relates to an off-line approval proxy module and an on-line / off-line approval system using the off-line approval proxy module. The off-line approval / It is possible to make a true off-line inquiry by obtaining approval for use by line inquiry and to record the change of use limit according to the use approval directly on the card, So that the use thereof is restricted.;To this end, the present invention provides a card reader / writer comprising: a card reader / writer which can read / write information from / to various kinds of credit cards or debit cards different from the information recording medium; The card number system, the card identification number (or code), etc. detected from the card information read by the card reading / recording means are verified, the degree of use is checked in an off-line state, One or more off-line security modules (SAMs) for providing additional information according to the off-line inquiry resu When the card information is read from the card reading / recording means in a state in which it is communicably connected with an external card terminal capable of on-line inquiry, the identification number and card validity period of the card issuer are detected and checked, And transmits the card information to the off-line security module to inquire and approve the valid card against the valid card, and requests the inquiry and approval to the off-line security module. Line inquiry using the external card terminal is automatically performed when the card read / write means includes information indicating the necessity of on-line inquiry among the additional information added as a result of the off-line inquiry, Line additional information given from the on-line inquiry path to the customer card, Line approval and approval system using off-line inquiry control means for controlling the read / write means, and an on-line and off-line approval system using the off-line inquiry agency module. When card information for a credit card or a debit card is recognized, The card issuer unique number is detected from the card information and an off-line security module of the card issuer corresponding thereto is selected to establish an off-line inquiry path, and then the validity of the card and the on-Checking the chart; Verifying the validity of the card number system or the card identification number (or code) through the established off-line inquiry path for a card that is valid as a result of the determination and does not exceed the on-line transaction usage; The additional information is checked for the card for which the validity of the verification has been confirmed to determine whether the current credit status for the off-line transaction and whether or not the current credit status is exceeded. If the card approval number is given as a result of the determination, Generating additional information indicating a change in the degree of use or rejection of authorization and consequently the need for on-line inquiry; And recording the generated additional information on a card and displaying the status, and an on-line and off-line approval method using the off-line approval agent method.