KR100750429B1 - System and Method for Processing Payment Admission of Check Cardor Debit Card, Server and Recording Medium - Google Patents

Abstract

The present invention relates to a check card (or debit card) payment approval processing method and system, and a payment approval processing server and a recording medium therefor, when requesting a payment approval using a check card, a full payment approval request from the card terminal and the check card. After generating a composite approval request full text including the full cash withdrawal request in the payment account associated with the transfer to the server on the communication network, the composite approval request message is transmitted from the server on the communication network to the card company server corresponding to the check card information The card company server receives the composite approval request text, reads the complex approval request text, reads check card information, payment approval amount, and cash withdrawal amount information, and checks the check card read from the card company server. On the basis of the information, after connecting with the server managing the account associated with the check card, Check the balance of the account, and in accordance with the verification result in the card company server, the payment approval processing corresponding to the payment approval request included in the complex approval request full text and the cash included in the complex approval request full text The cash withdrawal approval process corresponding to the withdrawal request is performed, and the server managing the account associated with the check card is configured to process an amount corresponding to the cash withdrawal approval with the card terminal affiliate store or the card company.

Check card, payment, authorization

Description

Check card (or debit card) payment approval processing method and system and payment approval processing server and recording medium for the same {System and Method for Processing Payment Admission of Check Card (or Debit Card), Server and Recording Medium}

1 is a diagram illustrating a system for providing a cash withdrawal service at a merchant using a check card according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a payment terminal device according to an embodiment of the present invention.

3 is a diagram illustrating a complex approval request specialized structure for providing a check card payment and cash withdrawal service at the same time according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating a composite approval message structure corresponding to a composite approval request message for simultaneously providing a check card payment and a cash withdrawal service according to an embodiment of the present invention.

5 is a diagram illustrating a process of simultaneously providing a check card payment and a cash withdrawal service in a payment terminal device according to an embodiment of the present invention.

6 is a diagram illustrating a process of simultaneously providing a check card payment and a cash withdrawal service in a payment terminal device according to an embodiment of the present invention.

7 is a diagram illustrating an operation process of a payment server that receives a full approval request from a payment terminal according to an embodiment of the present invention.

8 is a diagram illustrating a check card debit authorization request specialized structure defined between a payment server and a financial system according to an embodiment of the present invention.

9 is a diagram illustrating an operation process of a financial system that receives a check card debit authorization request message from a payment server according to an embodiment of the present invention.

10 is a diagram illustrating an operation process of a payment server that receives a full check card debit authorization result from a financial system according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating an operation process of a financial system that receives a cash withdrawal approval request message from a payment server according to an embodiment of the present invention.

12 is a diagram illustrating an operation process of a payment server that receives a full cash withdrawal approval result from a financial system according to an exemplary embodiment of the present invention.

13A and 13B are views illustrating printing of a check card payment and a cash withdrawal result in a payment terminal device according to an exemplary embodiment of the present invention.

14 is a diagram illustrating a system for providing online check card payment and cash withdrawal (or wire transfer service) according to another embodiment of the present invention.

15 is a diagram illustrating a system for providing a cash withdrawal service at a debit card affiliate store using a debit card according to an embodiment of the present invention.

16 is a diagram illustrating a system for providing online debit card payment and cash withdrawal (or wire transfer service) according to another embodiment of the present invention.

<Description of main parts of drawing>

100: payment server 105: professional receiving unit

110: professional reader 115: professional transmitter

120: professional generation unit 125: approval processing unit

130: direct debit authorization 135: cash withdrawal approval

140: customer approval processing unit 145: storage medium

200: payment terminal device

The present invention generates a composite approval request full text including the full payment approval request in the card terminal and the full cash withdrawal request in the payment account associated with the check card, and using this to request the check card payment approval, the complex approval request Read the check card information, payment approval amount and cash withdrawal amount information according to the result of the reading of the text, and accordingly, the payment approval processing corresponding to the payment approval request included in the compound approval request text and the cash included in the compound approval request text Cash withdrawal approval processing corresponding to the withdrawal request is performed.

At least one credit card, check card, debit card, cash card, financial account, etc., on a predetermined card medium including a magnetic stripe (MS) card and / or an integrated circuit (IC) card and / or a wireless IC chip. And a predetermined payment means information including the payment means information corresponding to the payment means from the card medium, and including the read payment means information, predetermined payment information, and merchant information. The electronic payment request message is transmitted to a card company (or financial company) through a predetermined payment network (eg, a value added network), and the electronic payment request message is transferred from the card company (or financial company). It provides a payment means for processing a predetermined payment amount without cash through the process of receiving.

However, the present invention cannot use the electronic payment as all payment methods for offline payments in real life, and most offline payment settlements except for some medium / high payments are made through cash. Cardholders are inconvenient to withdraw cash from certain financial accounts and / or seek financial automation devices such as ATMs / CDs to receive cash services through credit cards.

The present invention is a card terminal and the communication network for transmitting a complex approval request text including the full payment approval request full text and the request for withdrawal of the cash withdrawal request from the payment account associated with the check card when the payment approval request using a check card; A server for receiving the composite approval request full text through the server on the server, reading the composite approval request full text, reading check card information, payment approval amount and cash withdrawal amount information, and managing an account associated with the check card; In connection with, checking the balance of the account, and according to the result of the check, cash approval processing corresponding to the payment approval request included in the composite approval request text and cash corresponding to the cash withdrawal request included in the complex approval request text. Check card payment approval processing system including a card company server for withdrawal approval processing and check car using the same It has approved the payment processing methods to provide.

Check card payment approval processing method according to the present invention, when the payment approval request using a check card, a full approval authorization request including the full payment approval request in the card terminal and the full withdrawal request from the payment account associated with the check card Generating and transmitting to a server on a communication network; Transmitting the full approval authorization message from a server on the communication network to a card company server corresponding to the check card information; Receiving the composite approval request message from the card company server, reading the composite approval request message, and reading check card information, payment approval amount, and cash withdrawal amount information; Checking the balance of the account based on the read card information read from the card company server, connecting with a server managing an account associated with the check card, and cooperating with the server; Performing, at the card company server, a payment approval process corresponding to a payment approval request included in the complex approval request text and a cash withdrawal approval process corresponding to a cash withdrawal request included in the complex approval request text according to the verification result. ; And processing the settlement of the amount corresponding to the cash withdrawal authorization with the card terminal affiliate store or the card company in the server managing the account associated with the check card.

In addition, according to an embodiment of the present invention, the step of performing the payment approval processing corresponding to the payment approval request included in the composite approval request full text and the cash withdrawal approval processing corresponding to the cash withdrawal request included in the composite approval request full text Is a composite approval message corresponding to the composite approval request text (the payment approval processing text corresponding to the payment approval request included in the complex approval request text and the cash withdrawal response corresponding to the cash withdrawal request included in the complex approval request text) Creating a full text); And transmitting the generated composite approval message to a server on the communication network.

The present invention also includes a computer-readable recording medium characterized by recording a program for executing the at least one check card payment approval processing method described above.

On the other hand, the check card payment approval processing system according to the present invention, when the payment approval request using the check card, the full approval request request including the full payment approval request and the full withdrawal request for cash withdrawal request from the payment account associated with the check A card terminal for transmitting to a server on a communication network; And receiving the composite approval request text through the server on the communication network, reading the complex approval request text, reading check card information, payment approval amount, and cash withdrawal amount information, and managing an account associated with the check card. Check the balance of the account in connection with the server, and according to the confirmation result, the payment approval processing corresponding to the payment approval request included in the full approval request and the cash withdrawal request included in the full approval request And a card company server for performing a corresponding cash withdrawal approval process.

On the other hand, the payment approval processing server according to the present invention, a professional receiving unit for receiving a full text request for approval approval, including a full text of the payment approval request using a check card and the withdrawal of the cash withdrawal request in the payment account associated with the check card; A specialized reading unit that reads the composite approval request text and reads check card information, payment approval amount and cash withdrawal amount information; And based on the read check card information, after connecting with a server managing an account associated with the check card, checking the balance of the account in connection with the server, and according to the verification result, And an approval processing unit for performing a payment approval process corresponding to a payment approval request included in the approval request text and a cash withdrawal approval process corresponding to the cash withdrawal request included in the complex approval request text.

According to the method of the present invention, the payment approval processing server, the payment approval processing corresponding to the payment approval request included in the composite approval request full text and the cash withdrawal response corresponding to the cash withdrawal request included in the composite approval request full text. Generating a composite approval message corresponding to the processing (the payment approval processing text corresponding to the payment approval request included in the complex approval request text and the cash withdrawal approval processing text corresponding to the cash withdrawal request included in the complex approval request text); Professional generation unit; And a specialized transmission unit for transmitting the generated composite approval message to a server or a card terminal on a communication network.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the function of the device configuration unit of any one of the payment approval processing server described above.

On the other hand, the check card payment approval processing method according to the present invention, when the online payment approval request using a check card, the transfer of the account after the cash withdrawal from the payment account associated with the full payment approval request and the payment card in a predetermined text receiving means Receiving a full approval request text including the full text of the request; Reading the full authorization request message in a predetermined information reading means, and reading check card information, payment authorization amount and cash withdrawal amount information for bank transfer; On the basis of the check card information read out by a predetermined information checking means, the server is connected with a server managing an account associated with the check card, and then linked with the server to check the balance of the account, and to the server. Transmitting the bank transfer request information corresponding to the full bank transfer request message and / or the full bank transfer request message; Performing a payment approval process corresponding to a payment approval request included in the complex approval request message in accordance with the confirmation result by a predetermined approval processing means, and receiving account transfer processing result information from the server; And transmitting, by a predetermined text generating means, the payment approval processing text corresponding to the wire transfer processing result information and the payment approval request or the payment approval processing text including the account transfer processing result information to a server on a communication network. Characterized in that made.

On the other hand, the debit card payment approval processing method according to the present invention, when the payment approval request using a debit card, a complex approval including the full payment approval request in the card terminal and the full withdrawal request in the payment account associated with the debit card Generating a request message and transmitting it to a financial company server managing a payment account associated with the debit card through a communication network; Reading the compound approval request message and reading the debit card information, the payment authorization amount, and the cash withdrawal amount information by receiving the compound approval request message in the financial company server; Checking the balance of the account associated with the debit card based on the debit card information read from the financial company server; Performing, at the financial company server, a payment approval process corresponding to a payment approval request included in the complex approval request text and a cash withdrawal approval process corresponding to a cash withdrawal request included in the complex approval request text according to the verification result; ; And processing the settlement of the amount corresponding to the cash withdrawal authorization with the card terminal affiliate at the server managing the account associated with the debit card.

On the other hand, the payment approval processing server according to the present invention, a professional receiving unit for receiving a full text request for approval approval, including the full payment authorization request using the debit card and the full cash withdrawal request in the payment account associated with the debit card; A specialized reading unit that reads the composite approval request text and reads the debit card information, payment approval amount, and cash withdrawal amount information; And confirming the balance of the account associated with the debit card on the basis of the read debit card information, and according to the verification result, payment approval processing corresponding to the payment approval request included in the full approval request. And an approval processing unit for performing a cash withdrawal approval process corresponding to the cash withdrawal request included in the preamble approval request.

On the other hand, the debit card payment approval processing method according to the present invention, when the online payment approval request using a debit card, a full payment approval request in a predetermined professional receiving means and a full account transfer request using a payment account associated with the debit card Receiving the full composite approval request message included; Reading the full authorization request message in a predetermined information reading means, and reading debit card information, payment authorization amount and cash withdrawal amount information for bank transfer; Confirming a balance of an account associated with the debit card, based on the read debit card information in a predetermined information checking means; And a payment approval process corresponding to the payment approval request included in the multi-authorization request preamble and a cash withdrawal approval process corresponding to the cash withdrawal request included in the multi-authorization request preamble according to the confirmation result by a predetermined approval processing means. It is characterized by comprising; performing.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a system for providing a cash withdrawal service at a merchant using a check card according to an exemplary embodiment of the present invention.

In more detail, Figure 1 is a merchant equipped with a predetermined payment terminal device 200 including a predetermined Credit Authorization Terminal (CAT), at the same time processing the electronic payment through a predetermined check card, Amount corresponding to the amount withdrawn from the financial account associated with the check card to the card user at the affiliated store equipped with the payment terminal device 200, withdraws a predetermined cash from the predetermined financial account associated with the check card The present invention relates to an embodiment of a system for providing a check card-based cash withdrawal service for paying the card user, and then processing the amount withdrawn from the financial account associated with the check card to the affiliated store. For those skilled in the art, check card payment and check card-based cash by referring to and / or modified in Figure 1 Various check card-based electronic payment systems (e.g., Verified Click on Visa) and / or Online / Based Internet Security Payment (ISP) Card payment system) can be inferred, but the present invention includes all of the inferred implementation method, and is not limited to the implementation method shown in FIG.

A system for simultaneously providing a check card payment and a check card based cash withdrawal service at a merchant using the check card includes: a payment terminal device for a check card payment and a check card based cash withdrawal service provided at at least one or more merchants; A payment server 100 connected to at least one payment terminal device 200 through a predetermined payment network (eg, a value added network) and provided to a card company (or financial company) that issued the check card. And a predetermined financial system connected to the payment server 100 through a predetermined financial network and having a financial account linked to the check card.

The payment terminal device 200 is basically provided with a credit card payment function, characterized in that it comprises a credit authorization terminal (CAT) with a check card payment function according to the present invention, the payment The terminal device 200 will be described in detail with reference to FIG. 2.

The financial system is characterized in that at least one or more financial accounts linked to the check card is opened, the account system for processing the window services such as credit or reception or trust or foreign exchange occurring at at least one branch, and the headquarters business And other electronic financial services (e.g., Internet banking, etc.) by accessing the information system that handles the processing and sales office information support and customer information management, and the external computer network including the financial system and homes, businesses, retail stores and card companies (or financial companies). Applicable to external systems that provide phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine), foreign currency exchange, call centers, financial settlements, etc.), and middleware platforms that provide interfacing between components within the financial system. An interface module and a predetermined number of components required for performing each function in the components of the financial system. It includes a DBMS (Database Management System) that stores and manages information (e.g., financial accounts (or financial products), customer ledger information, or management information, etc.), and is intended by those skilled in the art and / or types of financial institutions. (Eg, commercial banks, savings banks, trust banks) and at least one of foreign exchange module (not shown), investment finance module (not shown), and international module (not shown) according to the purpose and characteristics of the financial system. It is possible to further include the above components, whereby the present invention is not limited.

According to the implementation method of the present invention, the financial system is characterized in that at least one or more financial accounts linked to at least one check card is opened, the external system of the financial system is a check card through a predetermined financial network It is preferable that the payment server 100 provided in the card company (or financial company) that has issued a communication connection based on a predetermined transaction protocol.

According to the present invention, when the payment system 100 requests the approval of a predetermined check card payment through a predetermined transaction protocol, the payment server 100 balances the balance of the member account associated with the check card and the check card payment. After comparing the approval request amount, if the balance of the member account is greater than the check card payment approval request amount, the check card payment is approved (and / or the card company (or financial institution) ) And, on the contrary, if the balance of the member account is less than the check card payment approval request amount, the check card payment is rejected, whereby the credit card system (or financial company) The requesting debit card based debit is approved or rejected.

The payment server 100 is provided in the card company (or financial company) that issued the check card to provide a check card payment and check card-based cash withdrawal service according to the present invention, a predetermined financial network (eg And a financial account associated with the check card through an at least one card company (or a financial company) and a dedicated communication network connecting the financial system.

According to an embodiment of the present invention, the payment server 100 and the card information (for example, check card number, etc.) corresponding to the predetermined check card issued to the card customer (or member) from the card company (or financial company) A predetermined member account information associated with the check card (eg, a member bank code, a member account number, a member point code, etc., in which a financial account linked with the check card is opened), and the customer information of the member It is preferred to have a storage medium 145 for storing and / or to interoperate with the storage medium 145 via a predetermined network and / or interface means.

According to one embodiment of the present invention, the payment server 100 may include at least one or more servers (or devices), and / or may include a function configuration unit according to the present invention in a predetermined server. The present invention is not limited thereto.

Referring to FIG. 1, a payment server 100 providing a check card payment and a check card based cash withdrawal service according to the present invention is provided with at least one payment terminal device 200 provided at a merchant through a predetermined payment network. A professional receiving unit 105 for receiving a complex approval request text for providing a check card payment and a check card based cash withdrawal service according to the present invention, and reading the complex approval request text for a check card payment approval and / or check card based The check card payment based on a specialized reading unit 110 for extracting at least one information required for cash withdrawal approval, and a transaction protocol defined between the payment server 100 and the financial system based on the extracted information. Perform the authorization process and / or check card-based cash withdrawal process to perform the check card payment and / or check card-based cash advance An approval processing unit 125 for generating respective approval results corresponding to the preamble, a full text generation unit 120 for generating a predetermined approval text including the approval result, and the generated approval text through the payment network. Characterized in that it comprises a specialized transmission unit 115 for transmitting to the payment terminal device 200.

The specialized receiving unit 105 is a full credit card payment request from the payment terminal device 200 through a predetermined payment network according to a transaction protocol defined between at least one or more payment terminal device 200 and the card company (or financial company). , Or receive a full text payment request message of at least one of a full payment card payment request, or a multi-authorization request text message for simultaneously providing a check card payment (or check card based direct debit) and a check card based cash withdrawal service according to the present invention. Characterized in that, the received electronic payment request full text is provided to the full text reader 110.

The specialized reading unit 110 reads the electronic payment request full-text structure received through the specialized receiving unit 105, so that the electronic payment request full text received from the payment terminal device 200 is a conventional credit card payment request full text. It is characterized in that it reads whether the check card payment request full text, or a complex approval request text for providing a check card payment (or check card-based direct debit) and check card-based cash withdrawal service at the same time according to the present invention.

In addition, when the read result of the received electronic payment request is a combined approval request for providing the check card payment (or check card-based direct debit) and the check card-based cash withdrawal service at the same time according to the present invention, the specialized reading unit 110, a predetermined check card payment approval-related information (or check card-based debit payment approval related information) for performing the check card payment approval procedure from the full composite approval request (for example, check card number, payment amount, etc.), And / or extract predetermined check card based cash withdrawal approval related information (eg, check card number, cash withdrawal amount, etc.) for performing the check card based cash withdrawal approval procedure. It is provided to the approval processing unit 125.

The approval processing unit 125 performs a debit payment approval unit 130 that performs a check card payment approval procedure (or a check card based debit payment approval procedure) based on the extracted check card payment approval related information, and the extracted check. And a cash withdrawal approval unit 135 performing a check card based cash withdrawal approval procedure based on the card-based cash withdrawal approval related information.

According to another embodiment of the present invention, when the read result of the electronic payment request is a conventional credit card payment request message, the credit card payment request message is processed by a predetermined credit settlement approval unit (not shown). Preferably, when the received electronic payment request telegram is a conventional check card payment request telegram, the check card payment request telegram is preferably processed by a predetermined check card payment approval unit (not shown).

The debit payment approval unit 130 is a predetermined payment amount corresponding to the check card payment approval information (or check card based debit payment approval information) extracted from the full approval request through the full text reader 110 A predetermined payment fee is calculated based on the calculation, and a predetermined approval request amount is calculated by adding the calculated payment fee and the payment amount.

In addition, the debit payment approval unit 130 is a predetermined corresponding to the check card payment approval related information (or check card based debit payment approval information) extracted from the full approval request through the full text reader 110. Based on the check card number, the member account information including a member bank code, a member account number, and a member point code in which a financial account associated with the check card is opened is extracted from the storage medium 145.

According to the implementation method of the present invention, when the debit payment approval unit 130 performs the debit payment through the member account associated with the check card, the predetermined member account factor information to be printed on the bankbook corresponding to the member account It is desirable to produce more.

Thereafter, the direct debit approval unit 130 is based on the transaction protocol defined between the card company (or financial company) and the financial system, the check card number, the calculated authorization request amount, and the card company (or financial company) ) A predetermined debit payment authorization request message including an account number, a member bank code and a member account number extracted from the storage medium 145, a member point code, and the contents of the member bank account factor. .

In addition, the direct debit approval unit 130 is characterized in that for transmitting the full debit authorization approval request generated by the financial system to the financial system, the debit payment approval request from the financial system through the financial network Characterized in that the debit payment approval result corresponding to the full text is received, the debit payment approval result is provided to the full text generation unit 120.

According to an exemplary embodiment of the present invention, it is preferable that the prepayment approval result preamble includes a check card-based debit payment approval result for the authorization request amount included in the prepayment approval request preamble, in which case the check card Direct debit using is considered approved.

According to another exemplary embodiment of the present invention, the prepayment approval result preamble includes a check card-based debit payment rejection result and / or a debit error code for the authorization request amount included in the prepayment approval request preamble. In this case, direct debit using the check card is considered unauthorized.

The cash withdrawal approval unit 135 has a predetermined cash withdrawal fee based on a predetermined cash withdrawal amount corresponding to the check card-based cash withdrawal approval related information extracted from the multi-authorization request full text through the specialized reading unit 110. And calculating a predetermined approval request amount by adding the calculated cash withdrawal fee and the cash withdrawal amount.

In addition, the cash withdrawal approval unit 135 is linked to the check card from the storage medium 145 on the basis of a predetermined check card number extracted from the complex approval request full text through the full text reader 110. It is characterized by extracting the member account information including the member bank code, the member account number, and the member branch code in which the account is opened.

According to an exemplary embodiment of the present invention, the debit payment approval unit 130 performs the check card based debit payment according to the present invention first, thereby opening a financial account associated with the check card from the storage medium 145. In the case where the member account information including the member bank code, the member account number, and the member branch code has been extracted, the process of extracting the member account information from the storage medium 145 by the cash withdrawal approval unit 135 is omitted. The present invention is not limited thereto.

According to the method of the present invention, when the cash withdrawal approval unit 135 performs the check card-based cash withdrawal through the member account associated with the check card, a predetermined member to be printed in the account corresponding to the member account It is desirable to generate more bank account contents.

Then, the cash withdrawal approval unit 135 is based on the transaction protocol defined between the card company (or financial company) and the financial system, the check card number, the calculated authorization request amount, and the card company (or financial company) ) A predetermined number of cash withdrawal approval request messages including an account number, a member bank code and a member account number extracted from the storage medium 145, a member branch code, and contents of the member's bank account. .

The cash withdrawal approval unit 135 transmits the generated cash withdrawal approval request full text to the financial system through the financial network, and the cash withdrawal approval request from the financial system through the financial network. The cash withdrawal approval result corresponding to the full text may be received. The cash withdrawal approval result may be provided to the full text generation unit 120.

According to an exemplary embodiment of the present invention, the cash withdrawal approval result may include a check card-based cash withdrawal approval result for the approval request amount included in the cash withdrawal approval request full text, in which case the check card Cash withdrawals are considered approved.

According to another embodiment of the present invention, the cash withdrawal approval result may include a check card-based cash withdrawal rejection result and / or a cash withdrawal error code for the authorization request amount included in the cash withdrawal approval request. In this case, it is considered that the cash withdrawal using the check card is not approved.

The full text generation unit 120 includes a check card based direct debit approval result and the check card based cash withdrawal approval result, and generates a predetermined approval text corresponding to the full approval request text. The generated approval message is provided to the message transmission unit 115.

According to an embodiment of the present invention, the approval message includes a check card-based debit payment and the check card-based cash withdrawal service, or any one of the check card-based debit payment and the check card-based cash withdrawal service. It may include that has been approved, or that the check card based debit payment and the check card based cash withdrawal service is not approved, thereby the present invention is not limited.

The specialized transmission unit 115 establishes a predetermined payment network according to the transaction protocol defined between the credit card company (or financial company) and the payment terminal device 200 for the approval message generated by the specialized generation unit 120. Characterized in that the transmission to the payment terminal device 200 through, the payment terminal device 200 receives the approval message and completes a predetermined check card payment completion procedure corresponding to the check card-based direct payment approval result (for example , Check card payment receipt output, etc.) and / or a predetermined check card based cash withdrawal service completion procedure (eg, cash receipt receipt output, etc.) corresponding to the check card based cash withdrawal approval result.

Referring to FIG. 1, the payment server 100 providing a check card payment and a check card based cash withdrawal service according to the present invention, according to the present invention through the check card to the check card user (or member) It is characterized in that it further comprises a customer approval processing unit 140, 125 for requesting approval to provide a check card payment and check card-based cash withdrawal service at the same time.

When the customer approval processing unit 140 or 125 issues a check card from the card company (or financial company) to the customer (or member), the check card payment and check card based cash withdrawal interworking service according to the present invention through the check card. Request and process approval for providing a, and / or after the check card is issued to the customer (or member), before initially providing a check card payment and check card based cash withdrawal interworking service according to the present invention. Request and process authorization for this, and / or after the check card is issued to the customer (or member), at the time of first providing the check card payment and check card based cash withdrawal linked service according to the present invention. Request and process authorization, and / or the customer (or member) uses the check card to check card payment and check card based on the present invention. Shall be approved for it in the process receives the gold fetch interworking service characterized in that the request and processing.

According to an embodiment of the present invention, when the card company (or financial company) is issued a check card to the customer (or member), through the check card to provide a check card payment and check card-based cash withdrawal linked service according to the present invention In the process of requesting and processing the approval, the card company (or financial company) provides a check card payment and check card based cash withdrawal interworking service according to the present invention on a check card issuance application form provided to the customer (or member). Request for approval, and the customer approval processing unit 140, 125 may be made by storing the approval result in association with the customer information stored in the storage medium 145.

After the check card is issued to the customer (or member) according to another embodiment of the present invention, requesting approval for the check card payment and check card based cash withdrawal interworking service according to the present invention before first providing and And / or requesting and processing an approval for the check card payment and the check card based cash withdrawal interworking service according to the present invention after the check card is issued to the customer (or member). The process, the customer approval processing unit 140, 125 is the customer (or member) of the wired terminal (e.g., desktop computer or laptop connected to the TCP / IP-based wired communication network) and / or wireless terminal (e.g., CDMA Mobile communication terminal connected to the base mobile communication network, portable Internet terminal connected to the IEEE 802.1x-based high-speed wireless Internet communication network, Motorola's DataTAC method or Erricson Requesting the customer (or member) approve the check card payment and the check card based cash withdrawal interworking service according to the present invention by interworking with a wireless data communication terminal connected to the Mobitex-based wireless data communication network) and receiving the approval result. By connecting to the customer information stored in the storage medium 145 can be made.

According to another exemplary embodiment of the present invention, the customer (or member) requests and processes the approval in the process of receiving the check card payment and the check card based cash withdrawal linked service according to the present invention through the check card. The process, the customer approval processing unit 140, 125 occurs in connection with the wired terminal and / or wireless terminal of the customer (or member) to the customer (or member) through a predetermined payment terminal device 200 It can be made by requesting an approval for a check card payment and a check card based cash withdrawal interlocking service, receiving the approval result, and including the check card payment and check card based cash withdrawal interlocking service processing details.

In particular, in the process of the customer (or member) receives the check card payment and check card based cash withdrawal linked service according to the present invention through the check card, the customer approval processing unit 140, 125 is the customer (or The process of requesting and processing an approval for a check card payment and a check card based cash withdrawal interworking service according to the present invention in association with a wireless terminal of a member) is performed by a predetermined wireless communication network (eg, in the customer approval processing unit 140 and 125). Request access to the customer approval processing unit 140 or 125 from the wireless terminal through a CDMA based mobile communication network, an IEEE 802.1x based high speed wireless Internet communication network, a DataTAC / Mobitex based wireless data communication network, and the like (eg, a wireless communication network). In the case of the mobile communication network, a wireless message including a CallbackURL is transmitted to a customer wireless terminal, and the customer wireless terminal processes the customer approval through the CallbackURL. 140 request) to access 125, and the wireless station can be achieved by ensuring that inputs a password (symmetric key), which accepts the debit card payment and debit card based cash withdrawal interworking service.

According to an embodiment of the present invention, when the payment terminal device 200 is a client terminal that supports an online check card payment service, the customer (or member) is connected to the check card payment according to the present invention through the check card. In the process of receiving a check card-based cash withdrawal interworking service, the customer approval processing unit 140, 125 is linked with the wireless terminal of the customer (or member) check card payment and check card based cash withdrawal interworking according to the present invention In the process of requesting and processing an approval for a service, the customer approval processing unit 140 or 125 generates a predetermined authentication number and transmits it to the customer wireless terminal through a predetermined wireless communication network, and the authentication is performed at the customer wireless terminal. When the number is input to the client terminal, the client terminal transmits the authentication number to the customer approval processing unit 140 (125), the customer In the processing unit 140 (125) can be done by comparing the authentication code received from the client terminal and the authentication code transmitted to the customer mobile terminal.

According to another exemplary embodiment of the present invention, when the payment terminal device 200 is an affiliated store terminal that supports an offline check card payment service, the customer (or member) is connected to the check card payment according to the present invention through the check card. In the process of receiving a check card-based cash withdrawal interworking service, the customer approval processing unit 140, 125 is linked with the wireless terminal of the customer (or member) check card payment and check card based cash withdrawal interworking according to the present invention In the process of requesting and processing approval for a service, before the check card payment is performed, the customer wireless terminal approaches the customer approval processing unit 140 and 125 through a predetermined wireless communication network, and the customer approval processing unit 140. In step 125, a predetermined authentication number is generated and transmitted to the customer wireless terminal through a predetermined wireless communication network, and the check card payment and check according to the present invention. In the process of providing a cash-based cash withdrawal interlocking service is provided by entering the authentication number to the merchant terminal, the merchant terminal may be made by including the authentication number in the predetermined complex approval request message to the payment server 100. have.

In addition, the customer approval processing unit 140, 125 is the customer (or member) in the process of receiving the check card payment and check card based cash withdrawal linked service according to the present invention through the check card. The process of requesting and processing the check card payment and the check card based cash withdrawal interworking service according to the present invention in conjunction with the wireless terminal of the member) and the check card payment according to the present invention through the payment terminal device 200; After the check card-based cash withdrawal linked service is provided, the payment terminal device 200 generates a predetermined authentication number and outputs it to the screen, and includes the authentication number in a predetermined complex approval request message. 100, and by transmitting the authentication number output on the screen of the payment terminal device 200 to the customer approval processing unit 140, 125 through the customer wireless terminal. Can.

2 is a diagram illustrating a functional configuration of a payment terminal device 200 according to an embodiment of the present invention.

More specifically, Figure 2 relates to an embodiment of a payment terminal device 200 for a service for providing a check card payment and a check card-based cash withdrawal service at the same time, having a common knowledge in the art to which the present invention pertains. If it grows, referring to and / or modified in Figure 2 may be carried out by inferring a variety of payment terminal device 200 for a service that provides a check card payment and check card-based cash withdrawal service at the same time, the present invention It is to be understood that the above includes all inferred methods of implementation.

Referring to FIG. 2, the payment terminal device 200 basically includes a control unit 205, a memory unit 250, a card reader 210, a key input unit 220, a screen output unit 215, and a communication processing unit 230. And a power supply unit 225 for supplying power to the security application module 235, the print output unit 240 and the payment terminal device 200, at least one terminal function unit ( Omission).

The control unit 205 controls the overall operation of the payment terminal device 200 in the functional configuration, manages the flow of information or data between each component, and check card payment and check card-based cash withdrawal service according to the present invention Characterized in that it controls the components provided in the payment terminal device 200 to provide at the same time, at least one processor and execution memory (Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) For example, it comprises a register and / or RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and in order to perform a function specific to the payment terminal device 200 by software A predetermined program routine and / or loaded by a processor from a predetermined recording medium into the execution memory; Includes program data (hence, a predetermined program and / or check card payment recorded on a recording medium provided in the payment terminal device 200 for simultaneously providing the check card payment and the check card based cash withdrawal service. In order to provide a check card-based cash withdrawal service at the same time, a component capable of being processed by software among the functional components provided in the payment terminal device 200 is illustrated as being provided in the controller 205). .

According to the exemplary embodiment of the present invention, the control unit 205 may include components (for example, the memory unit 250, the card reader unit 210, the key input unit 220, and the screen) provided in the payment terminal device 200. The payment terminal device by interworking the output unit 215, the communication processing unit 230, the security application module 235 and the print output unit 240 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art) In addition to controlling and managing providing the check card payment service defined in (200), the payment terminal device 200 is provided for a service for simultaneously providing a check card payment and a check card-based cash withdrawal service according to the present invention. A program recorded on a recording medium provided in the payment terminal device 200 for a service for controlling the components to be interoperable with each other and / or simultaneously providing the check card payment and the check card based cash withdrawal service. It is preferable to carry out.

The memory unit 250 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 200 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It comprises one or more storage means, the control unit 205 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an exemplary embodiment of the present invention, the memory unit 250 stores a storage area for storing payment processing approval details for a service that simultaneously provides a check card payment and a check card based cash withdrawal service, and / or a cash withdrawal processing history. It is preferable to have a storage area for storing a storage area for storing.

The customer who simultaneously requests the check card payment and the check card based cash withdrawal service according to the present invention through the payment terminal device 200, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / Have (or own) a contact IC card (or wireless IC chip) based on the IEC 7816 standard, and / or a card comprising at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card is preferably provided with a payment means including at least one credit card, debit card, debit card, cash card, financial account.

The card reader unit 210 may provide an interface for reading at least one or more information or data included in the card, and the information or data read from the card may be a credit card, a check card, or a debit card. It is preferable that the payment means information corresponding to the payment means including at least one, cash card, financial account.

According to the method of the present invention, the card reader unit 210 is an MS reader unit for providing an interface between the MS card and the payment terminal device 200, and / or the contact IC card and the payment terminal device ( 200) a contact IC reader unit providing an interface between the contact unit and / or a contactless IC reader unit providing an interface between the contactless IC card and the payment terminal device 200.

The MS reader unit is a card reader unit 210 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized in that the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to interface with the payment terminal device 200 by using the loaded.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816, and at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It comprises a, and supplies power to the IC chip of the IC card through the contact point, the predetermined information or from the IC chip through the half-duplex transaction using the APDU (Application Protocol Data Unit) Characterized by interfacing the data to the payment terminal device 200.

The contactless IC reader part is a card reader part 210 based on ISO / IEC 14443. The contactless IC reader part uses at least electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal device (200).

According to an embodiment of the present invention, the card reader unit 210 simultaneously provides a check card payment service defined in the payment terminal device 200 and / or a check card payment and a check card based cash withdrawal service according to the present invention. For at least one card reader unit 210 for a service that corresponds to the payment means including at least one predetermined card information (eg, credit card, check card, debit card, cash card, financial account provided on the card) It is preferable to read the payment means information).

The key input unit 220 includes a predetermined one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of the device, and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal device 200 controlled by the controller 205. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 205. The control unit 205 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal device 200, and / or is matched with the key event and defined. Characterized in that for obtaining a command to execute a predetermined function. The key input unit 220 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the payment terminal device 200.

The key input device interoperating with the key input unit 220 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an exemplary embodiment of the present invention, the key input unit 220 may include key data corresponding to the check card payment service from at least one key input device for the check card payment service defined in the payment terminal device 200. , Payment amount, etc.) is preferably performed, and the check card from the key input device for a service for simultaneously providing a check card payment and a check card based cash withdrawal service according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in a service providing process for simultaneously providing a payment and a check card based cash withdrawal service.

The screen output unit 215 is a liquid crystal display (LCD) and the liquid crystal display (LCD) by the control unit 205 during the payment terminal device 200 performs a predetermined function (for example, check card payment processing function using a card) And / or output at least one or more information or data which are predefined or defined in real time to be output to a predetermined screen output device including a cathode ray tube (CRT) through a predefined interface screen. The output unit 215 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 200.

Predefined information or data to be output from the payment terminal device 200 to the screen output device, the key data input through the key input unit 220, and / or is provided in the payment terminal device 200 Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processor 230, and / or a predetermined operation result performed by the payment terminal device 200 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 215 is a check card payment processing screen according to each check card payment step to the screen output device for the check card payment service defined in the payment terminal device 200. It is preferable to perform the function of the screen output means for outputting the check card payment and check card based on the screen output device for the service to provide a check card payment and check card-based cash withdrawal service at the same time according to the present invention It is preferable to perform the function of the screen output means for outputting a processing screen corresponding to a service providing step of simultaneously providing a cash withdrawal service.

The communication processor 230 may include a terminal on a payment network (eg, a value added network (VAN)) while the payment terminal device 200 performs a predetermined function (eg, a check card payment processing function using a card). Or a server) and / or a terminal (or device) connected to the payment terminal device 200 through a predetermined cable and / or a terminal (or device) connected to the payment terminal device 200 through a predetermined short-range wireless communication. And a predetermined communication means for connecting a communication session with a network communication unit for connecting a predetermined communication channel with a payment server 100 on a wired or wireless network, and / or through a predetermined cable communication port. A predetermined short distance communication terminal (or device) through a cable communication unit for connecting a communication session with a predetermined terminal (or device), and / or at least one short range wireless communication means Device and a short range wireless communication unit for connecting a predetermined communication session, and a communication protocol and / or driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And a communication channel with a payment server 100 on a wired or wireless network through a predetermined wireless network including a wireless data communication network, and to connect the payment terminal device 200 to a predetermined wired or wireless network in hardware. It comprises a modem (Modem) or Network Interface Card (NIC), and comprises a communication protocol and / or driver for connecting the payment terminal device 200 to the wired and wireless network in software.

The cable communication unit may connect a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software. For example, the cable communication terminal (or device) may include a point of sale (POS) terminal connected to the payment terminal device 200 through cable communication.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). And a predetermined short range communication terminal (or device) and a short range wireless communication session through at least one short range wireless communication means. The infrared communication, RF communication, Bluetooth, wireless LAN, Wi-Fi, and UWB may be connected in hardware. It includes a predetermined short range wireless communication module for short-range wireless communication including, and comprises a communication protocol and / or driver for the private short-range wireless communication in software. For example, the short range communication terminal (or device) includes a POS terminal connected to the payment terminal device 200 through short range wireless communication, and / or includes a customer wireless terminal equipped with a predetermined wireless IC chip. If the short-range communication terminal (or device) or a customer wireless terminal equipped with a predetermined wireless IC chip, the communication terminal (or device) based on the basis of the function of the card reader unit 210 Can be performed.

The Secure Application Module (235) is a confidentiality and / or authentication required in the process of the payment terminal device 200 performs the electronic payment and / or check card payment using the card. The payment terminal device 200 without security requirements including authentication and / or integrity and / or nonrepudiation without using an authentication server (or payment server 100) on a payment network. As a safety device for performing in a safe and reliable structure within, the payment terminal device 200 is a predetermined process that is processed in the process of performing a predetermined security request function (for example, electronic payment and / or check card payment function) Encrypting or decrypting a message (information or data), adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function The ability to store key information document important features to perform.

In general, the security application module 235 is preferably composed of a predetermined security application module 235 inserter and a security application module 235 chip, the security application module 235 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 235 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the payment terminal device 200 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 240 is a process in which the payment terminal device 200 performs a predetermined function (for example, a check card payment processing function using a card) and / or predetermined information or data generated as a result (for example, And output payment processing result information or data) to a predetermined printing device (eg, a receipt printer), and to print the printing information or data through the predetermined printing device according to a predefined printing form. Including printing protocols and drivers.

Referring to Figure 2, the payment terminal 200 is a service for providing a check card payment and check card-based cash withdrawal service according to the present invention, the check card payment and check card in conjunction with the screen output unit Output at least one menu screen (or interface screen) for a service that simultaneously provides a base cash withdrawal service, and at least for a service for simultaneously providing the check card payment and the check card based cash withdrawal service in association with the key input unit; An information processing unit for receiving one or more pieces of information, a combined approval request message generation unit 120 for generating a predetermined composite approval request message for a service for simultaneously providing the check card payment and the check card-based cash withdrawal service; Complete payment of the complex approval request generated through the processing unit on the payment network And a transmitting unit for transmitting to the server 100 and a receiving unit for receiving at least one or more complex approval messages from the payment server 100 on the payment network through the communication processing unit. The apparatus may further include a complex approval specialty processing unit configured to classify the full text by the approval details and output the screen through the screen output unit, and / or classify the received full approval text by the approval details and store the memory in the memory unit.

The information processor is linked to the screen output unit 215, a predetermined menu screen for a service for simultaneously providing a check card payment and a check card based cash withdrawal service according to the present invention on the default screen of the payment terminal device 200 (Or an interface screen) and / or check card payment and check card based cash withdrawal service according to the present invention on the screen of the payment terminal device 200 by a predetermined command corresponding to the key input unit 220. And a predetermined menu screen (or interface screen) for simultaneously providing a service.

The information processing unit may provide a service for simultaneously providing a check card payment and a check card based cash withdrawal service according to the present invention from an operator of the payment terminal device 200 and / or the card user in conjunction with the key input unit 220. Characterized in that it receives a predetermined information for, and according to the intention and / or method of the skilled in the art, the information processor is a cable communication terminal of the communication processing unit 230 and / or a predetermined cable communication terminal in conjunction with a wireless communication unit on the basis (Or device) (e.g., a point of sale (POS) terminal connected to the payment terminal device 200 via cable communication) and / or a communication terminal (or device) on the basis of (e.g., the payment terminal device 200) And a POS terminal connected through short-range wireless communication) to provide a check card payment and a check card based cash withdrawal service according to the present invention simultaneously. It is possible to receive predetermined information, whereby the present invention is not limited.

According to an embodiment of the present invention, the information processing unit provides the composite approval request full text generation unit 120 with information input for a service for simultaneously providing a check card payment and a check card based cash withdrawal service according to the present invention. It is preferable.

The composite approval request full text generation unit 120 includes predetermined check card payment related information obtained through the information processing unit for a predetermined check card payment processing, and the information processing unit for a check card based cash withdrawal service according to the present invention. On the basis of the predetermined check card-based cash withdrawal information obtained through the, characterized in that for generating a predetermined complex approval request for the service for providing the check card payment and check card-based cash withdrawal service at the same time according to the present invention It is done.

According to one embodiment of the present invention, the composite approval request full text generated by the composite approval request full text generation unit 120 is the payment terminal device 200 and a predetermined card company (or It is preferable to further include information for the check card-based cash withdrawal service obtained through the information processing unit in a predetermined payment request text defined between financial institutions. For example, the composite approval request text generation unit 120 is predetermined for a predetermined electronic payment request text including at least one credit card payment request text and / or check card payment request text defined in the payment terminal device 200. The composite approval request text may be generated further including cash withdrawal amount information and / or password information for the cash withdrawal service of the account, or the account number information and the account transfer for a predetermined account transfer service in the payment request text. The complex authorization request full text may be generated by further including the amount information and / or the account opening bank information and / or the password information.

According to another exemplary embodiment of the present invention, the composite approval request text generated by the complex approval request text generating unit 120 is connected to a predetermined credit card company (or financial company) to provide a predetermined cash withdrawal service (eg, a terminal). In the payment terminal device 200, a predetermined check card-based cash withdrawal request defined between an ATM / CD (Automatic Teller Machine / Cash Dispenser) having a cash withdrawal service function and the card company (or a financial company) is provided. It is preferable to further include the check card payment related information obtained. For example, when the payment terminal device 200 is a payment terminal device 200 for a debit card payment processing, the payment terminal device 200 may be connected to a predetermined financial network, and at this time, the payment terminal device 200 ) Is a check card payment obtained by the payment terminal device 200 in a predetermined check card-based cash withdrawal request message defined between a terminal connected to the financial network and providing a cash withdrawal service and a predetermined card company (or financial company). It may further include the relevant information to generate the full text of the approval request according to the invention.

According to another exemplary embodiment of the present invention, the complex approval request text generated by the complex approval request full text generation unit 120 is based on the check card payment and the check card according to the present invention through the payment terminal device 200. In order to provide a cash withdrawal service at the same time may correspond to a predetermined complex approval request specialized structure defined by the card company (or financial company), whereby the present invention is not limited.

The transmission unit is provided to the card company (or financial company) that processes the check card payment corresponding to the payment means provided on the card for payment of the check card through a predetermined payment network in cooperation with the communication processing unit 230. Characterized in that the transmission of the composite approval request full text generated by the composite approval request full text generation unit 120 to the payment server 100.

According to the implementation method of the present invention, the composite approval request full text is the payment means to the payment server 100 provided in the card company (or financial company) that processes the check card payment corresponding to the payment means provided on the card; It is desirable to request authorization for both the check card payment and the check card-based cash withdrawal service.

The receiving unit is provided to the card company (or financial company) that processes the check card payment corresponding to the payment means provided on the card for payment of the check card through a predetermined payment network in cooperation with the communication processing unit 230. Characterized in that the predetermined complex approval message corresponding to the complex approval request full text from the payment server 100, characterized in that for receiving.

According to the implementation method of the present invention, the composite approval message is from the payment server 100 provided in the card company (or financial company) for processing the check card payment corresponding to the payment means provided on the card from the check card payment It is preferable to include at least one or more of the approval results of the check card payment approval results for and / or the check card based cash withdrawal approval results for the check card based cash withdrawal service. For example, the composite approval message may include a check card payment approval result for the check card payment, or may include a check card based cash withdrawal approval result for the check card based cash withdrawal service, or the check It may include both a check card payment approval result for the card payment and a check card based cash withdrawal approval result for the check card based cash withdrawal service.

According to one embodiment of the present invention, the composite approval message includes both a check card payment approval result for the check card payment and a check card based cash withdrawal approval result for the check card based cash withdrawal service in a predetermined compound approval message. It is desirable to be included and received.

According to another exemplary embodiment of the present invention, the composite approval message may include a predetermined approval result among a check card payment approval result for the check card payment and / or a check card based cash withdrawal approval result for the check card based cash withdrawal service. (E.g., a check card payment approval result, or a check card based cash withdrawal approval result) after the first approval message is received in advance, and the remaining approval results (e.g., a check card based cash withdrawal approval result or a check card payment approval) It is possible to be received after the second approval message, including the result), whereby the present invention is not limited.

The composite approval message processing unit is linked with the screen output unit 215 and / or print output unit 240, the composite approval message received through the receiving unit (eg, the check card payment approval result and / or check card-based cash) Characterized in that it includes at least one approval result withdrawal) is characterized in that to output to the screen output device and / or printing device 245 provided in the payment terminal device (200).

According to an embodiment of the present invention, the composite approval text processing unit is preferably provided with a function for reading a check card-based cash withdrawal approval result included in the composite approval text, thereby payment and / or check card check card It may be output in a form that the payment terminal device 200 operator (or card user) can recognize whether the cash withdrawal service is approved or rejected.

According to an exemplary embodiment of the present invention, the composite approval specialized processing unit classifies the check card payment approval result and / or the check card based cash withdrawal approval result for each approval result and simultaneously outputs them on the same screen of the screen output device. Preferably, the check card payment approval result and / or the check card based cash withdrawal approval result may be classified for each approval result and output on different screens of a predetermined screen output device according to the intention of the person skilled in the art. The present invention is not limited.

According to an exemplary embodiment of the present invention, the complex approval specialized processing unit classifies the check card payment approval result and / or the check card based cash withdrawal approval result for each approval result and outputs them to different printing papers through the printing apparatus. Preferably, the check card payment approval result and / or the check card based cash withdrawal approval result are classified by each approval result according to the intention of a person skilled in the art and included in one printing paper (eg, a receipt) through the printing apparatus. Can be outputted, and the present invention is not limited thereto.

The composite approval specialty processing unit includes an approval including at least one or more composite approval full texts (eg, the check card payment approval result and / or check card-based cash withdrawal approval result received through the reception unit in association with the memory unit 250). Full text) is stored in the memory unit 250 provided in the payment terminal device 200.

According to the exemplary embodiment of the present invention, the composite approval preamble processor classifies the check card payment approval result and / or the check card based cash withdrawal approval result for each approval result and stores them in different storage areas of the memory unit. According to the intention of the skilled person, the check card payment approval result and / or the check card based cash withdrawal approval result are classified by each approval result, and the check card payment approval result field and the check card based cash withdrawal approval result are included. It is possible to cooperatively store and store in the storage area of the present invention, whereby the present invention is not limited.

3 is a diagram illustrating a composite approval request specialized structure for simultaneously providing a check card payment and cash withdrawal service according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a card company (eg, a value added network (VAN)) in a predetermined payment terminal device 200 including a credit authorization terminal (CAT). Or an example of an implementation method for a composite approval request full text structure in which a check card-based cash withdrawal request text is added based on a check card payment request message sent to a financial institution), the general knowledge in the technical field to which the present invention belongs. If you have one, refer to and / or modifying the Figure 3, a complex approval request with a check card-based cash withdrawal request is added based on each payment request (e.g., check card payment request full text, etc.) according to the intention to those skilled in the art While various implementations of the specialized structure may be inferred, the present invention encompasses all implementations inferred from the above, and this complex approval request is required. Statement is by no means be limited to the structure illustrated in the figure 3.

Referring to Figure 3, the composite approval request full-text structure is at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and the end character (ETX (End of TeXt), 0X03), And a checksum (CRC-CCITT) for the specialized information after the terminating character, wherein the specialized information is based on a check card payment request specialist (for example, information 2 to 13 items) and a check card. The cash withdrawal request specialists (eg, 14-16 items of specialized information).

The check card payment request specialist of the composite approval request message includes a transaction classification item (eg, a check card payment request, a check card payment cancellation, etc.) related to the check card payment, a Terminal_ID item for the payment terminal device 200, POS Entry Mode items and TRACK II Data items corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 200 (eg, PAN (Primary Account Number of TRACK II of MS card) ) And a check card information obtained from an AD (Additional Data) and / or a Discretionary Data (DD) area, or a check card information obtained from a check card file of an IC card. , 0X1C), including installment month items, total payment amount items, and service charge items corresponding to check card payment information, and also include a working key index item, a password item, and a product. De items and documents made, including the serial number items. Persons of ordinary skill in the art to which the present invention pertains can clearly understand the details of each item included in the check card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

According to an exemplary embodiment of the present invention, the transaction classification item may include transaction classification information (for example, a check card payment request, a check card payment cancellation, etc.) corresponding to the full text of the check card payment request. The check card-based cash withdrawal request specialized unit preferably includes a separate transaction classification item corresponding to the check card-based cash withdrawal request full text as shown in FIG.

According to another exemplary embodiment of the present invention, the transaction category includes integrated transaction classification information (eg, check card payment request + cash withdrawal request, check card payment) for the check card payment request full text and check card-based cash withdrawal request text. Request + cash withdrawal, check card payment cancellation + cash withdrawal request, check card payment withdrawal + cash withdrawal cancellation, etc., in this case, the check card-based cash withdrawal request specialist is the check card-based cash withdrawal request Separate transaction division items corresponding to the full text may be omitted, and the present invention is not limited thereto.

The check card payment request specialist and the check card-based cash withdrawal request specialist are divided by a predetermined delimiter in the pre-authorized approval request. In FIG. 3, the check card payment request through the FS (File Separator) character is provided for convenience. Although the check card-based cash withdrawal request is illustrated as being divided, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F) in addition to FS, or CR ( Carriage Return, 0X0D) and / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of those skilled in the art, and the present invention is not limited thereto.

The check card check card-based cash withdrawal request specialized unit of the combined approval request full text provides a check cash payment and check card-based cash withdrawal service according to the present invention at the same time a predetermined cash separately from the total payment amount of the check card payment request specialist Characterized in that the withdrawal amount item is included, it is preferable to further include a total amount of the sum of the total amount of payment for the check card payment processing and the amount of cash withdrawal.

According to the exemplary embodiment of the present invention, since the check card payment through the payment terminal device 200 is a face-to-face transaction, a password input is generally omitted (or a password can be input according to the intention of a person skilled in the art). In order to simultaneously provide a card payment and a check card-based cash withdrawal service, the payment terminal 200 preferably inputs a predetermined password by the customer, and the input password is the password of the check card payment request specialist. It is preferable to be included in the item.

According to another exemplary embodiment of the present invention, in order to simultaneously provide the check card-based cash withdrawal service during the check card payment processing, a separate cash withdrawal password is defined, and / or one-time-password (OTP) or the like. When this is used, the check card-based cash withdrawal request specialized unit may be added to a separate password item (not shown) corresponding to the cash withdrawal password and / or OTP, whereby the present invention is not limited.

4 is a diagram illustrating a composite approval specialty structure corresponding to a composite approval request full text simultaneously providing a check card settlement and cash withdrawal service according to an embodiment of the present invention.

In more detail, Figure 4 is a predetermined payment terminal device 200 through the predetermined payment network to a predetermined card company (or financial company) after transmitting the complete approval request as shown in Figure 3, and then through the payment network As an example of an embodiment of the complex approval specialized structure received by the payment terminal device 200, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 4 to those skilled in the art According to the intention, it is possible to infer various implementation methods for the composite approval specialized structure corresponding to the complex approval request full text, but the present invention includes all the inferred implementation methods, and the composite approval specialized structure is shown in FIG. It is by no means limited to the examples.

Referring to FIG. 4, the composite approval message structure includes at least one or more text information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), and And a checksum (CRC-CCITT) for the specialized information after the end character, wherein the specialized information is a check card payment approval specialist (eg, 2 to 35 items of specialized information) and check card-based cash. It is composed of withdrawal approval specialty department (eg, 36 ~ 39 items of professional information).

The check card payment approval specialty part of the complex approval message includes a plurality of approval result items, and each approval result item is classified through a predetermined file separator (File Separator, 0X1C).

The check card payment approval specialist unit includes a transaction classification item (eg, check card payment request, check card payment cancellation, etc.) corresponding to the transaction classification associated with the check card payment included in the full text of the complex approval request shown in FIG. Terminal_ID item, status value item (e.g., 'O': check card payment request normal approval, 'X': check card payment request denied), transaction date and time item, message 1 item, message 2 item for payment terminal device 200 , Message 3 item, message 4 item, authorization number item (e.g., if the status value is 'O', check card payment number, or if the status value is 'X', check card payment refusal reason code) ID item, card company (bank) type name item, issuer ID item, document serial number item included in the full authorization request item shown in Figure 3, merchant number item, purchaser item, comment item, HELP DESK PHONE NO item , PIN DAT It includes A item and Control_Flag item. Persons of ordinary skill in the art to which the present invention pertains can clearly understand the details of each approval result item included in the check card payment approval specialist with reference to FIG. Description is omitted.

According to an exemplary embodiment of the present invention, the transaction classification information included in the check card payment request specialized part of the composite approval request message shown in FIG. 3 corresponds to the check card payment (for example, a check card payment request). , Check card payment cancellation, etc., and if the check card-based cash withdrawal request message includes a separate transaction category corresponding to a predetermined check card-based cash withdrawal service, The transaction division of the approval specialist includes only transaction classification information (eg, check card payment request, check card payment cancellation, etc.) corresponding to the check card payment as shown in FIG. 4, or the check card payment approval message and the check card. Integrated transaction classification information (eg check card payment request + cash withdrawal request, check card payment request + current) Take-off is canceled, is possible both to a check card payment cancellation + cash withdrawal request, check cashing card settlement cancel + canceled, and so on), to which the present invention is not limited.

According to another exemplary embodiment of the present invention, the transaction classification items included in the check card payment request specialist of the complex approval request full text shown in FIG. 3 correspond to the check card payment approval full text and the check card based cash withdrawal approval full text. When the integrated transaction classification information is included, the transaction classification item of the check card payment approval department may include integrated transaction classification information (eg, check card payment request + cash withdrawal) for the check card payment approval message and the check card-based cash withdrawal approval message. Request, check card payment request + cash withdrawal, check card payment withdrawal + cash withdrawal request, check card payment withdrawal + cash withdrawal, etc.) or transaction classification information corresponding to the check card payment as shown in FIG. (E.g., check card payment request, check card payment cancellation, etc.), and the present invention is not limited thereto. The.

However, when the transaction classification item of the check card payment approval specialist includes only transaction classification information (eg, check card payment request, check card payment cancellation, etc.) corresponding to the check card payment as shown in FIG. Based on the cash withdrawal approval special portion, as shown in Figure 4, it is preferable to include a separate transaction classification items corresponding to the check card-based cash withdrawal approval full text.

In the composite approval request, the check card payment approval specialist and the check card based cash withdrawal approval specialist are separated by a predetermined delimiter. In FIG. 3, the check card payment approval specialist and the check card through FS (File Separator) for convenience. Although the check card-based cash withdrawal authorization is illustrated as being separated, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F) in addition to FS, or CR ( Carriage Return, 0X0D) and / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of those skilled in the art, and the present invention is not limited thereto.

The check card-based cash withdrawal approval specialist of the combined approval request full text is provided with a status value item (eg, 'O' for the check card-based cash withdrawal request to simultaneously provide a check card payment and a check card-based cash withdrawal service according to the present invention. ': Cash withdrawal request normal approval,' X ': cash withdrawal request rejection), and an authorization number item for the check card based cash withdrawal request (eg, if the status value item is' O', a cash withdrawal approval number, Or when the status value item is 'X', a reason for rejecting cash withdrawal code, etc.).

According to another exemplary embodiment of the present invention, some of the information included in the check card-based cash withdrawal approval specialist is included in the message 3 item and / or message 4 included in the check card payment approval specialist. It may be received by the terminal device 200, whereby the present invention is not limited.

5 is a diagram illustrating a process of simultaneously providing a check card payment and a cash withdrawal service in a payment terminal device 200 according to an embodiment of the present invention.

In more detail, Figure 5 is a predetermined payment terminal device 200 generates a complex approval request as shown in Figure 3 to provide a check card payment and check card-based cash withdrawal service according to the present invention at the same time predetermined payment As an exemplary method of transmitting to a predetermined card company (or financial company) through a network, and receiving and processing a complex approval message as shown in FIG. 4 from the card company (or financial company), the present invention generally includes. Those skilled in the art, various operations for the payment terminal device 200 for simultaneously providing a check card payment and check card-based cash withdrawal service according to the present invention according to the intention to those skilled in the art by referring to and / or modifying the figure 5 It will be possible to infer a method, but the present invention includes all the implementation methods inferred, and the method of operating the payment terminal device 200 It is by no means limited to that shown in FIG.

Referring to FIG. 5 according to an embodiment of the present invention, the payment terminal device 200 recognizes a card equipped with at least one payment means through a predetermined card reader, and obtains predetermined payment means information from the card. The operation of the payment terminal device 200 for simultaneously providing a check card payment and a check card based cash withdrawal service according to the present invention is started through the reading process 500, whereby the payment terminal device 200 In the standby state, the check card payment and the check card-based cash withdrawal interworking mode according to the present invention is switched (505).

According to another exemplary embodiment of the present invention, a process in which an operation process of the payment terminal device 200 for simultaneously providing a check card payment and a check card based cash withdrawal service according to the present invention is started, each payment terminal device 200 The operation procedure (for example, payment terminal device 200) is newly defined to change according to the check card payment operation procedure defined in the above, and / or to simultaneously provide a check card payment and a check card-based cash withdrawal service according to the present invention. ) By clicking a predetermined "cash withdrawal" button provided in the) and by recognizing the card by the payment terminal device 200 operation procedure defined for simultaneously providing a check card payment and a check card-based cash withdrawal service according to the present invention) However, the invention is in no way limited thereto.

As described above, a process of operating a payment terminal device 200 for simultaneously providing a check card payment and a check card-based cash withdrawal service according to the present invention is started, and the payment means information is read from a predetermined card in the process, and the present invention After switching to the check card payment and check card based cash withdrawal interworking mode according to the, the payment terminal device 200 is the payment amount and / or through a predetermined key input device as shown in Figure 6 (a) and (b) Receive check card payment related information including installment months, and / or receive payment amount from a predetermined POS terminal, and receive installment months through a predetermined key input device as shown in (b) of FIG. In step 510, the check card payment related information is received (or input).

Thereafter, the payment terminal device 200 receives a predetermined check card based cash withdrawal service in connection with the check card payment according to the present invention through a predetermined screen output device (for example, the payment terminal device 200 with a cash withdrawal amount). Check whether the check card payment and check card-based cash withdrawal interlocking service is provided, and whether the check card payment and the check card-based cash withdrawal interlocking service are provided through a predetermined key input device. Check (515).

According to an embodiment of the present invention, the check card payment and check card based cash withdrawal linked service providing process, check card based cash out of the check card payment from the payment terminal device 200 to a predetermined screen output device; It is preferable to output a predetermined interface screen for inquiring whether the withdrawal service is provided, and to allow the payment terminal device 200 operator (or card user) to select it.

According to another exemplary embodiment of the present invention, the checking process of checking whether the check card payment and the check card-based cash withdrawal interworking service are provided may be performed by the payment terminal device 200 as a predetermined screen output device. Outputting the interface screen for inputting the cash withdrawal amount as described above, and inputting a predetermined cash withdrawal amount on the interface screen, the operator (or card user) of the payment terminal device 200 check card payment and check card based on the present invention It is assumed that the cash withdrawal linked service is selected, and if a predetermined cash withdrawal amount is not input to the interface screen, the operator (or card user) of the payment terminal device 200 check card payment and check card according to the present invention. It may be regarded as not choosing to receive an underlying cash withdrawal linked service.

If the check card payment and check card-based cash withdrawal interlock service provided according to the present invention is not confirmed (for example, only check card payment is performed through the payment terminal device 200) (520), the payment terminal device 200 Generates a predetermined check card payment request message including the payment means information read from the card, the check card payment related information, and merchant information (eg, payment terminal device 200 related information) (525); The generated check card payment request message is transmitted to a predetermined card company (or financial company) through a predetermined payment network (530).

On the other hand, if the check card payment and check card based cash withdrawal interlocking service provided according to the present invention is confirmed (520), the payment terminal device 200 through the predetermined screen output device as shown in Figure 6 (c) of the predetermined cash An interface screen for inputting a withdrawal amount and an interface screen for inputting a card password as shown in (d) of FIG. 6, and the cash withdrawal amount information and password information through a predetermined key input device based on the chant interface screen; Check whether the predetermined cash withdrawal information including the input is input (535).

If predetermined cash withdrawal information is input (540), the payment terminal device 200, as shown in Figure 2, the payment means information read from the card, the check card payment related information and merchant information (e.g., And a predetermined check card payment request message including the payment terminal device 200 related information) and a predetermined check card-based cash withdrawal request message including the cash withdrawal information; In operation 550, the generated complex approval request message is transmitted to a predetermined card company (or a financial company) through a predetermined payment network.

6 is a diagram illustrating a process of simultaneously providing a check card payment and a cash withdrawal service in the payment terminal device 200 according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an operation method illustrating an operation process of a payment terminal device 200 for simultaneously providing a check card payment and a check card based cash withdrawal service according to the present invention in a predetermined payment terminal device 200. As one of ordinary skill in the art to which the present invention pertains, the present invention can be provided with a check card payment and a check card-based cash withdrawal service according to the present invention at the same time by referring to and / or modifying the present invention. Various operation processes for the payment terminal device 200 may be inferred, but the present invention includes all the implementation methods inferred, and the operation of the payment terminal device 200 is limited to that illustrated in FIG. It never happens.

7 is a diagram illustrating an operation process of the payment server 100 receiving the full approval request from the payment terminal according to an embodiment of the present invention.

In more detail, Figure 7 is a payment server 100 provided to a card company (or financial company) from the payment terminal device 200 receives the full approval request as shown in Figure 3 from the payment terminal device 200 is a member account associated with the check card As an example of a method of providing a service for requesting the check card payment approval to an opened financial system, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. By intention to those skilled in the art will be able to infer a variety of service providing method for the payment server 100 for providing a check card payment and check card based cash withdrawal service at the same time according to the present invention, the present invention is all inferred implementation Method, and the present method of providing the service is not limited to that shown in FIG. Hereinafter, in FIG. 7, the payment server 100 is referred to as a "server" for convenience.

Referring to FIG. 7, when the server provided to the card company (or financial company) receives a predetermined payment approval request message from the payment terminal device 200 through a predetermined payment network (700), the received payment approval request Read the full structure to extract the card number corresponding to the payment means information (705), based on the card number in conjunction with the storage medium 145 includes the check card payment request full text in the received payment approval request full text Check whether or not (eg, the extracted card number is a check card number) (710).

If the received payment approval request text does not include a check card payment request text (eg, the extracted card number is not a check card number) (715), the server corresponds to the received payment approval request text. A predetermined payment process is performed (720).

On the other hand, if the received payment approval request message includes a check card payment request message (eg, if the extracted card number is a check card number) (715), the server reads the payment approval request message structure and checks the check. The card payment request is checked in the full text of the complex approval request including the cash withdrawal full text as shown in Figure 3 (725).

If the received payment approval request text is not a complex approval request text as shown in FIG. 3 (eg, if it is a check card payment request text) 730, the server requests the check card approval according to a conventional check card payment approval procedure. The payment process corresponding to the full text is performed (735).

On the other hand, if the received payment approval request full text is a composite approval request full text as shown in Figure 3 (730), the server extracts the check card number and payment amount information from the check card payment request full text of the complex approval request text (740) ), Calculate a check card payment fee by applying a predetermined check card fee rate to the extracted payment amount (745), and calculate a predetermined approval request amount by adding the extracted check card payment amount and the check card fee. (750).

According to another exemplary embodiment of the present invention, the server further extracts a predetermined cash withdrawal amount from the combined approval request full text, and applies a predetermined cash withdrawal fee rate to a predetermined cash withdrawal fee by applying the extracted cash withdrawal amount. And calculating a predetermined authorization request amount by adding the check card payment amount, the check card payment fee, and the cash withdrawal amount and cash withdrawal fee, thereby confirming whether the payment is approved for the check card settlement and cash withdrawal. The present invention is not limited thereby.

Thereafter, the server extracts a predetermined card company account number, a member bank code, a member account number, and a member point code from the storage medium 145 based on the extracted check card number (755), based on the check card. After the debit processing to generate the contents to be printed in the member bank (760), as shown in Figure 8, the check card number, card company account number, authorization request amount, member bank code, member account number, member branch code And generate a check card debit authorization request message including the bankbook print content (770), and transmit the generated check card debit authorization request message to a financial system corresponding to the member bank code through a predetermined financial network ( 770).

8 is a diagram illustrating a check card debit authorization request specialized structure defined between the payment server 100 and the financial system according to an embodiment of the present invention.

In more detail, FIG. 8 shows that the payment server 100 checks the financial system between a payment server 100 provided at the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. Illustrating one embodiment of a specialized structure for requesting a debit authorization for a card, a person of ordinary skill in the art to which the present invention pertains will refer to and / or modify this drawing 8 according to the intention to those skilled in the art. Although various debit authorization requests may be inferred, the present invention includes all the inferred implementation methods, and the method of operating the payment terminal device 200 is not limited to that shown in FIG.

Referring to FIG. 8, between the payment server 100 provided in the card company (or financial company) and the financial system in which the member account associated with the check card is opened, the payment server 100 passes the check card to the financial system. A debit authorization request card for requesting debit authorization for the full text includes a common part of 57 bytes and an individual part of 293 bytes, and the common part is financed with the payment server 100 for the check card-based payment processing. It is characterized in that it is commonly included in all transaction data transmitted and received between systems. Those skilled in the art will clearly understand the items defined in the common part of the check card debit authorization request text, and thus the detailed description thereof will be omitted for convenience.

The individual unit of the check card debit approval request specialist is a check card number item (CARD-NUM) received from the payment terminal device 200 to the payment server 100 through the composite approval request message, and the approval request amount is a member. The card company account number item (ACCOUNT) to be withdrawn from the account and the deposit is processed, and the approval request amount item (APRV-) calculated by adding up a predetermined fee and a payment amount received from the payment terminal device 200 through the full approval request. AMT), a member bank code item (BANK-CDE) extracted from the storage medium 145, a member account number item (PAN), and a member branch code (BRAN-CDE) item based on the check card number; And a member bank statement content item (INFO), and further comprising a reservation (FILLER) for maintaining a block size of 293 bytes of the individual part.

9 is a diagram illustrating an operation process of a financial system that receives a check card debit authorization request text from a payment server 100 according to an exemplary embodiment of the present invention.

In more detail, Figure 9 is a member account associated with the check card by receiving the full check card debit authorization request as shown in Figure 8 from the payment server 100 in the financial system opened the member account associated with the check card As an example of an embodiment of a service providing process provided to the payment server 100 by checking whether the check card is directly debited based on the balance of the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying this drawing, it will be possible to infer various service provision methods for a financial system that simultaneously provides a check card payment and a check card based cash withdrawal service according to the present invention according to the intention of the person skilled in the art. The invention includes all the inferred implementation methods, and the method of providing the service is limited to that shown in FIG. Is never.

Referring to FIG. 9, the financial system that has received the check card debit authorization request message as shown in FIG. 8 from the payment server 100 provided in the card company (or financial company) through the same process as in FIG. An approval request amount, a member account number, and a member point code are extracted from the full approval request (900), and the balance information of the member account is extracted using the member account number and the member point code (905).

Thereafter, the financial system compares the approval request amount with the member account balance information, and confirms whether the debit authorization corresponding to the full debit authorization of the check card is approved (910). According to the method of the present invention, If the balance of the member account is greater than the authorization request amount, and the transfer of the authorization request amount from the member account to the financial account corresponding to the card company account number included in the debit authorization request card, the debit authorization A debit authorization of the check card for the full request is determined.

If the check card debit authorization is not verified (915), the financial system generates a predetermined check card debit authorization result (920) including the check card debit denied (or debit error).

On the other hand, if the check card debit authorization is confirmed (915), the financial system generates a predetermined check card debit authorization result including the check card debit authorization (925).

Thereafter, the financial system generates a predetermined check card debit approval result text including the check card debit approval result (930), and debits the generated check card debit approval result text through a predetermined financial network. The authorization request is sent to the payment server 100 that transmitted the full text (935).

FIG. 10 is a diagram illustrating an operation of a payment server 100 that receives a full check card debit authorization result from a financial system according to an exemplary embodiment of the present invention.

More specifically, FIG. 10 illustrates an embodiment of a service providing process of a payment server 100 that receives a full check card debit approval result through a process as shown in FIG. 9 from a financial system associated with the check card. As one of ordinary skill in the art to which the present invention pertains, the present invention provides a check card payment and a check card-based cash withdrawal service according to the present invention at the same time by referring to and / or modifying the drawing 10. Various service providing methods for the payment server 100 may be inferred, but the present invention includes all the inferred implementation methods, and the service providing method is not limited to that shown in FIG. Hereinafter, the payment server 100 in this Figure 10 is referred to as "server" for convenience.

Referring to FIG. 10, the payment server 100 that has received the check card debit approval result message from the financial system associated with the check card through the process as shown in FIG. 9 reads the received check card debit approval result message. Check if the debit card is approved (100).

If the result of the check card debit authorization request is denied (e.g., if the member account balance is less than the authorization request amount) (1005), the server returns the result of the debit debit (or debit error). Generating a predetermined check card payment approval result including 1010, extracting a predetermined cash withdrawal amount from the complex approval request message received from the payment terminal device 200 (1015), and checking the check card payment amount The cash withdrawal amount is compared (1020).

According to the method of the present invention, if the cash withdrawal amount is greater than the check card payment amount, the debit authorization of the check card is denied in the financial system, the financial system will also reject the cash withdrawal request. Therefore, if the cash withdrawal amount is greater than the check card settlement amount (1025), the server generates a cash withdrawal result including a predetermined cash withdrawal approval result (1030).

On the other hand, if the check card debit approval read result of the check card debit approval request is confirmed (1005), the server generates a predetermined check card payment approval result including the check card debit approval result (1035), and the composite approval A predetermined cash withdrawal amount is extracted from the request text (1040), a predetermined cash withdrawal fee is calculated by applying a predetermined cash withdrawal fee rate to the extracted cash withdrawal amount (1045), and the cash withdrawal amount with the cash The withdrawal fee is added to calculate a predetermined approval request amount (1050). In addition, the server generates a cash withdrawal based member bank statement contents to be printed in the member bank account after the cash withdrawal (1055).

Subsequently, the server completes the cash withdrawal approval request message including the check card number, the card company account number, the authorization request amount, the member bank code, the member account number, the member branch code, and the contents of the bank account as shown in FIG. In operation 1060, the generated cash withdrawal approval request message is transmitted to a financial system corresponding to the member bank code through a predetermined financial network (1065).

FIG. 11 is a diagram illustrating an operation process of a financial system that receives a full cash withdrawal approval request from a payment server 100 according to an exemplary embodiment of the present invention.

More specifically, FIG. 11 illustrates a cash withdrawal approval request message as shown in FIG. 8 from the payment server 100 in the financial system in which the member account associated with the check card is opened. As shown in FIG. 1, a method of providing a service provided to the payment server 100 by checking whether the cash withdrawal is approved based on a balance, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the Figure 11 can be inferred various methods for providing a service for a financial system that simultaneously provides a check card payment and a check card-based cash withdrawal service according to the present invention as intended by those skilled in the art, It includes all the implementation methods inferred, and the method of providing the service is limited to that shown in FIG. No.

Referring to FIG. 11, the financial system that has received the cash withdrawal approval request message as shown in FIG. 8 from the payment server 100 provided to the card company (or the financial company) through the process as shown in FIG. 10, the cash withdrawal approval request. An authorization request amount, a member account number, and a member point code are extracted from the full text (1100), and the balance information of the member account is extracted using the member account number and the member point code (1105).

Thereafter, the financial system checks whether the cash withdrawal approval corresponding to the full withdrawal approval request request is approved by comparing the approval request amount with the member account balance information (1110), according to the method of the present invention. If the balance of the account is greater than the authorization request amount and the transfer of the authorization request amount from the member account to the financial account corresponding to the card company account number included in the cash withdrawal authorization request letter is possible, Cash withdrawal approval is determined.

If the cash withdrawal approval is not confirmed (1115), the financial system generates a predetermined cash withdrawal approval result including the debit debit (or debit error) (1120).

On the other hand, if the cash withdrawal approval is confirmed (1115), the financial system generates a predetermined cash withdrawal approval result including the check card debit authorization (1125).

Thereafter, the financial system generates a full cash withdrawal approval result message including the cash withdrawal approval result (1130), and generates the full cash withdrawal approval result text through the predetermined financial network. The transmission is transmitted to the payment server 100 (1135).

FIG. 12 is a diagram illustrating an operation process of a payment server 100 that receives a full cash withdrawal approval result from a financial system according to an exemplary embodiment of the present invention.

More specifically, FIG. 12 illustrates an embodiment of a service providing process of a payment server 100 that receives a cash withdrawal approval result text from a financial system associated with the check card through the process shown in FIG. For those of ordinary skill in the art to which the present invention pertains, a payment for simultaneously providing a check card payment and a check card-based cash withdrawal service according to the present invention according to the intention to those skilled in the art by referring to and / or modifying the drawing 12. Various service providing methods for the server 100 may be inferred, but the present invention includes all the inferred implementation methods, and the service providing method is not limited to that shown in FIG. Hereinafter, the payment server 100 in this Figure 12 is referred to as "server" for convenience.

Referring to FIG. 12, the payment server 100 having received the cash withdrawal approval result text from the financial system associated with the check card through the process as shown in FIG. 9 reads the received cash withdrawal approval result text and withdraws the cash. Check whether the approval (100).

If the cash withdrawal approval request specialist reads and the cash withdrawal approval is denied (e.g., if the member account balance is less than the authorization request amount) (1005), the server may include a predetermined withdrawal (or error) result. Generate a cash withdrawal approval result (1010).

On the other hand, if the cash withdrawal approval request result of the cash withdrawal approval is confirmed (1005), the server generates a predetermined cash withdrawal approval result including the cash withdrawal approval result (1015),

Thereafter, the server generates a composite approval message including the check card approval result and the cash withdrawal approval result as shown in FIG. 4 (1220), and generates the complex approval message through the predetermined payment network in the payment terminal device. And transmits to 200 (1225).

Subsequently, the payment terminal device 200 classifies and reads the check card approval result and the cash withdrawal approval result included in the received complex approval message and displays a predetermined screen output device and / or a printing device (eg, shown in FIG. 6A). The payment receipt and the cash withdrawal receipt shown in Figure 6b) are output through 1230.

In addition, the payment terminal device 200 classifies the check card payment approval full text (or check card payment approval result) and the check card-based cash withdrawal approval full text (or cash withdrawal approval result) included in the composite approval message by storage area. In operation 1235, the memory device stores the data in the storage areas provided in the memory unit.

According to an embodiment of the present invention, the payment terminal device 200 cancels the transaction of the check card payment approval full text (or check card payment approval result) and / or the check card based cash withdrawal approval full text (or cash withdrawal approval result). Is preferably stored until a possible time elapses, whereby the check card payment and / or check card-based cash withdrawal service provided through the payment terminal device 200 is inquired and confirmed after a certain period of time has passed. It is possible.

13A and 13B are views illustrating printing of a check card payment and a cash withdrawal result in the payment terminal device 200 according to an exemplary embodiment of the present invention.

In more detail, Figure 13a and Figure 13b is to generate a complete approval request as shown in Figure 3 to provide a check card payment and check card-based cash withdrawal service according to the present invention in a predetermined payment terminal device 200 at the same time After transmitting to a predetermined card company (or financial company) through a predetermined payment network, receiving a complex approval message as shown in FIG. 4 from the card company (or financial company), and checking included in the complex approval message shown in FIG. As an exemplary embodiment of the present disclosure, the card payment approval result and the cash withdrawal approval result are classified, read, and printed out. Specifically, FIG. 13A is a check card corresponding to a check card payment approval specialist included in the complex approval message. Illustrates the receipt printed out by reading the payment approval result, Figure 13b is a receipt of the payment card payment as shown in Figure 13a Reads out the cash withdrawal authorization result corresponding to the specialized unit the checked card based cash withdrawal authorization contained in the composite specialized in a form approved illustrates a receipt printed output.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 13a and 13b to make a check card payment and check card based cash according to the present invention according to the intention and / or receipt form to those skilled in the art. It is possible to easily infer a printout result by simultaneously providing a withdrawal service, but the present invention includes all the inferred implementation methods, and the printout result according to the present invention is limited to that shown in Figs. 13A and 13B. It never happens.

14 is a diagram illustrating a system for providing online check card payment and cash withdrawal (or wire transfer service) according to another embodiment of the present invention.

In more detail, FIG. 14 shows an online connection via a predetermined check card at a predetermined client terminal connected to a predetermined citizen / BC Internet Secure Payment (ISP) payment network and / or a visa secure click payment network. A system for providing a check card-based cash withdrawal (or bank transfer) service that processes electronic payments and withdraws predetermined cash from a predetermined member account associated with the check card and transfers it to a predetermined financial account. As a method of implementation, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14 to simultaneously provide online check card payment and check card based cash withdrawal (or bank transfer) services. It will be possible to infer a variety of on-line electronic payment system for the service, but the present invention is inferred It is to be understood that the present invention includes all implementation methods and is not limited to the implementation method shown in FIG. However, in the following description of a system for providing online check card payment and cash withdrawal (or bank transfer service) through the Figure 14, providing a check card payment and cash withdrawal (or bank transfer) service shown in Figure 1 Duplicate contents with the system will be omitted for convenience.

A system for simultaneously providing a check card payment and a check card-based cash withdrawal (or bank transfer) service at a merchant using the check card may include a predetermined client terminal used by the customer and a web server corresponding to at least one internet shopping mall. ISP payment network and / or assured click payment network comprising a payment gateway server and / or a card brand company (eg, Visa) server, the ISP payment network and / or security It is connected to the click payment network, the payment server 100 is provided in the card company (or financial company) that issued the check card, the payment server 100 is connected through a predetermined financial network, and connected with the check card And a predetermined financial system in which a financial account is opened.

Those skilled in the art to which the present invention pertains will clearly understand the technical features and operation procedures for the ISP payment network and / or assured click payment network, and thus the detailed description thereof will be omitted for convenience. The present invention is not limited by this.

The client terminal is basically provided with a networking function, characterized in that to provide an online electronic payment service using a check card and / or credit card through the ISP payment network and / or secure click payment network.

The payment server 100 is provided to the card company (or financial company) that issued the check card to provide a check card payment and check card-based cash withdrawal (or bank transfer) service according to the present invention, A financial account associated with the check card is connected to an opened financial system through a financial network (eg, a dedicated communication network connecting the financial system with at least one card company (or financial company)).

According to the present invention, in processing an online check card payment based on the ISP payment network and / or the secure click payment network, the payment server 100 makes a predetermined secure payment window and / or secure click window to the client terminal. Outputting the cash withdrawal (or bank transfer) amount and / or deposit account information (e.g., to provide a cash withdrawal (or bank transfer) service linked to the online check card payment through the secure payment window and / or assured click window). , An interface screen for inputting a bank account and a financial account number in which a cash account with which cash withdrawn is deposited from a member account associated with a check card is outputted.

Thereafter, the payment server 100 includes a check card payment related information and check card based cash withdrawal (or account transfer) related information input (or selected) through the secure payment window and / or the secure click window. Receive the full text (transaction data transmitted and received between the client terminal and the payment server 100 through the ISP payment network and / or secure click payment network is not a full text, but referred to as a full text for convenience of terminology of Figure 1) And, based on the received full approval request is characterized in that it provides an online check card payment and check card based cash withdrawal (or account transfer) service according to the present invention through the functional configuration shown in FIG.

Referring to FIG. 14, a payment server 100 that provides an online check card payment and a check card based cash withdrawal (or wire transfer) service according to the present invention may designate a predetermined ISP payment network and / or a secure click payment network. A specialized receiving unit 105 for receiving a complex approval request text for providing an online check card payment and a check card based cash withdrawal (or bank transfer) service according to the present invention from a client terminal of the present invention; An information reading unit for reading at least one or more information required for approval of a check card and / or approval of a check card-based cash withdrawal (or bank transfer); and the payment server 100 and the finance based on the extracted information. The check card payment approval procedure and / or check card based cash withdrawal (or account) is based on a transaction protocol defined between the systems. ) An approval processing unit 125 which generates an approval result corresponding to the check card settlement and / or check card-based cash withdrawal (or bank transfer) by performing an approval process, and a predetermined approval message including the approval result. It characterized in that it comprises a full text generation unit 120 for generating a; and a full text transmission unit 115 for transmitting the generated approval message to the client terminal through the ISP payment network and / or assured click payment network and For a description of the functional component, see FIG. 1.

Those skilled in the art to which the present invention pertains, with reference to the drawings 5, 7 and 8 and 10 and 11 and / or 12 based on this drawing 14 online payment card payment and check Since a method of providing a card-based cash withdrawal (or bank transfer) service can be easily inferred, a detailed description thereof will be omitted for convenience.

15 is a diagram illustrating a system for providing a cash withdrawal service at a debit card merchant using a debit card according to an embodiment of the present invention.

In more detail, Figure 15 shows a debit card merchant equipped with a predetermined payment terminal device 200 including a predetermined debit card payment terminal, while processing electronic payment through a predetermined debit card, the debit card and Withdraw a predetermined amount of cash from a predetermined financial account linked to the card user at the debit card merchant equipped with the payment terminal device 200 and inform the card user of an amount corresponding to the amount withdrawn from the financial account associated with the debit card. An embodiment of the present invention relates to a system for providing a debit card-based cash withdrawal service that pays a card user and pays the amount withdrawn from the financial account associated with the debit card to the debit card merchant. If one of ordinary skill in the art belongs to, debit card payment and debit card by referring to and / or modified in this figure 15 Although it may be possible to infer various debit card-based electronic payment systems for a service that simultaneously provides a base cash withdrawal service, the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. 15. It is not to be noted.

The system for simultaneously providing a debit card payment and a debit card-based cash withdrawal service at a debit card merchant using the debit card, a payment terminal device for debit card payment and debit card-based cash withdrawal service provided in at least one debit card merchant A payment server 100 connected to at least one of the payment terminal device 200 and a predetermined payment network (eg, a financial common network), and provided to a financial company that issued the debit card; It is characterized in that it comprises a predetermined financial system that is connected to the payment server 100 and a predetermined through the network, and opened a financial account associated with the debit card.

The payment terminal device 200 is a payment terminal for a debit card payment provided in the debit card merchant, and the payment server 100 provided in the financial company that issued the debit card through a predetermined payment network including a financial common network; Characterized in that the communication is connected, if one of ordinary skill in the art will be able to easily infer the functional configuration of the payment terminal device 200 for debit card payment with reference to Figure 2, Detailed description thereof will be omitted for convenience.

The financial system is characterized in that at least one or more financial accounts associated with the debit card is opened, the account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch, and the headquarters business Information system that handles the processing of information and sales information, sales office information support and customer information management, and various electronic financial services (e.g., Internet banking, phone banking, CD, etc.) by accessing the financial system and an external computer network including homes, businesses, stores and financial companies. Interface modules corresponding to external systems that provide (Cash Dispenser) / Automatic Teller Machine (ATM), foreign currency, call center, financial settlement, etc.), and middleware platforms that provide interfacing between components in the financial system. Predetermined information required for the performance of each function in a component of the financial system (e.g., It includes a DBMS (Database Management System) for storing and managing a financial account (or financial product), or customer ledger information, or management information, etc., and includes the intention of the person skilled in the art and / or the type of each financial institution (eg, commercially available). Banks, savings banks, trust banks) and at least one component, such as foreign exchange modules (not shown), investment finance modules (not shown), and international modules (not shown), depending on the purpose and characteristics of the financial system. It may be further included, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial system is characterized in that at least one or more financial accounts linked to at least one or more debit cards are opened, and the external system of the financial system is arranged through a predetermined network. It is preferable that the payment server 100 provided in the financial company that issued the communication connection based on a predetermined transaction protocol.

According to the present invention, when the financial system requests the approval of a predetermined debit card payment through a predetermined transaction protocol in the payment server 100, the balance of the member account associated with the debit card and the debit card payment After comparing the authorization request amount, if the balance of the member account is greater than the debit card authorization request amount, approve the debit card payment (and / or debit card payment authorization request amount from the member account) Debit card merchant account) and, on the contrary, if the balance of the member account is less than the debit card payment authorization request amount, the debit card payment is rejected, whereby the financial system requests from the financial company. The debit card-based debit payment is authorized or rejected.

The payment server 100 is characterized in that it is provided to the financial company that issued the debit card to provide a debit card payment and debit card-based cash withdrawal service according to the present invention, the debit card through a predetermined bank network It is characterized in that the financial account linked with the financial system opened.

According to the method of the present invention, the payment server 100 is the card information (eg, debit card number, etc.) corresponding to a predetermined debit card issued to the card customer (or member) by the financial company, and the debit card A storage medium for linking and storing predetermined member account information (for example, a member bank code, a member account number, a member branch code, etc., in which a financial account associated with the debit card is opened), and customer information of the member; 145 and / or interwork with the storage medium 145 via some network and / or interface means.

According to one embodiment of the present invention, the payment server 100 may include at least one or more servers (or devices), and / or may include a function configuration unit according to the present invention in a predetermined server. The present invention is not limited thereto.

Referring to Figure 15, the payment server 100 for providing a debit card payment and debit card-based cash withdrawal service according to the present invention, at least one or more payment terminal device 200 provided in the debit card merchant through a predetermined payment network 200 And a professional receiving unit 105 for receiving a composite approval request text for providing a debit card payment and a debit card-based cash withdrawal service according to the present invention, and reading the composite approval request text and debit card payment approval and / or debit. Debit card payment based on the information reading unit for reading at least one or more information required for the card-based cash withdrawal approval, and the transaction protocol defined between the payment server 100 and the financial system based on the extracted information Debit card payment and / or debit card based An approval processing unit 125 for generating each approval result corresponding to cash withdrawal, a specialty generation unit 120 for generating a predetermined approval message including the approval result, and the generated approval message in the payment network. Characterized in that it comprises a specialized transmission unit 115 for transmitting to the payment terminal device 200 through, the description of the functional configuration with reference to Figure 15.

Those skilled in the art to which the present invention pertains, online debit card payment and debit with reference to Figures 5 and 7 and 8 and 10 and 11 and / or 12 based on this drawing 15 Since a method of providing a card-based cash withdrawal service can be easily inferred, a detailed description thereof will be omitted for convenience.

16 is a diagram illustrating a system for providing online debit card payment and cash withdrawal (or wire transfer service) according to another embodiment of the present invention.

In more detail, in FIG. 16, a predetermined client terminal connected to a predetermined communication network processes an online electronic payment through a predetermined debit card and withdraws predetermined cash from a predetermined member account associated with the debit card. One embodiment of a system for providing a debit card-based cash withdrawal (or bank transfer) service that transfers to a predetermined financial account, and a person of ordinary skill in the art to which the present invention belongs, Although various online electronic payment systems may be inferred for reference and / or modification to provide a service that simultaneously provides online debit card payment and debit card-based cash withdrawal (or wire transfer) services, the present invention may be inferred from the above-described embodiment. It is to be understood that the method includes all methods and is not limited to the embodiment shown in FIG. . However, in the following description of a system for providing online debit card payment and cash withdrawal (or bank transfer service) through the Figure 16, providing the debit card payment and cash withdrawal (or bank transfer) service shown in Figure 1 Duplicate contents with the system will be omitted for convenience.

A system for simultaneously providing a debit card payment and a debit card-based cash withdrawal (or bank transfer) service at a merchant using the debit card may include a web server corresponding to a predetermined client terminal used by the customer and at least one internet shopping mall. Is connected to the communication network and the communication network, including a payment server 100 provided in the card company (or financial company) that issued the debit card, and the payment server 100 and a predetermined party network, And a predetermined financial system in which a financial account associated with the debit card is opened.

The client terminal is basically provided with a networking function, it characterized in that to provide an online electronic payment service based on a predetermined authorized certificate through the communication network.

The payment server 100 is provided to the card company (or financial company) that issued the debit card to provide a debit card payment and debit card-based cash withdrawal (or bank transfer) service according to the present invention. It is characterized in that the financial account associated with the debit card is connected to the opened financial system through the merchant network of.

Referring to Figure 16, the payment server 100 that provides online debit card payment and debit card-based cash withdrawal (or bank transfer) service according to the present invention, the predetermined communication network online from a predetermined client terminal according to the present invention A professional receiving unit 105 for receiving a composite approval request text for providing debit card payment and debit card-based cash withdrawal (or bank transfer) services, and the debit card payment approval and / or debit card by reading the composite approval request text. An information reading unit for reading at least one or more information required for approval of an underlying cash withdrawal (or wire transfer); and based on a transaction protocol defined between the payment server 100 and the financial system based on the extracted information. Debit card payment by performing the debit card payment approval process and / or debit card based cash withdrawal (or wire transfer) approval process And / or an approval processing unit 125 for generating respective approval results corresponding to the debit card-based cash withdrawal (or bank transfer); and a full text generation unit 120 for generating a predetermined approval message including the approval result. And a specialized transmission unit 115 for transmitting the generated approval message to the client terminal through the communication network. For a description of the functional configuration unit, refer to FIG.

Those skilled in the art to which the present invention pertains, online debit card payment and debit with reference to Figures 5 and 7 and 8 and 10 and 11 and / or Figure 12 based on the drawing 16 Since a method of providing a card-based cash withdrawal (or bank transfer) service can be easily inferred, a detailed description thereof will be omitted for convenience.

According to the present invention, as the electronic payment and cash service (and / or bank transfer service) at the same time through the predetermined payment network (VAN) through the payment terminal device, the card user to ATM / cash to withdraw cash; There is an advantage that can solve the inconvenience of having to find a financial automation device such as a CD.

According to the present invention, as the electronic payment and the cash service (and / or bank transfer service) through the payment terminal (VAN) at the same time through the payment terminal device, the card user, ATM / ATM after the bank window deadline The CD has the advantage of reducing commissions for cash services (and / or wire transfer services).

According to the present invention, by simultaneously processing the electronic payment and cash services (and / or account transfer services) through a predetermined payment network (VAN) through the payment terminal device, the merchant equipped with the payment terminal device is the card There is an advantage that the user can be provided with a portion of the cash service (and / or bank transfer service) fee that had to be paid by the ATM / CD fee as the payment terminal device based cash service (and / or bank transfer service) fee.

Claims (13)

When requesting payment authorization using a check card, Generating, by a card terminal, a complex approval request message including a payment approval request text and a cash withdrawal request text in a payment account associated with the check card, and transmitting the text to a server on a communication network; Transmitting the full approval authorization message from a server on the communication network to a card company server corresponding to the check card information; Receiving the composite approval request message from the card company server, reading the composite approval request message, and reading check card information, payment approval amount, and cash withdrawal amount information; Checking the balance of the account based on the read card information read from the card company server, connecting with a server managing an account associated with the check card, and cooperating with the server; In accordance with the verification result, the card company server, the complex approval for the payment approval processing corresponding to the payment approval request included in the complex approval request full text and the cash withdrawal approval process corresponding to the cash withdrawal request included in the complex approval request full text Generating a full text (a payment approval processing text corresponding to a payment approval request included in the complex approval request text and a cash withdrawal approval processing text corresponding to a cash withdrawal request included in the complex approval request text); Transmitting the generated composite authorization message from the card company server to a server on the communication network; And And processing the settlement of an amount corresponding to the cash withdrawal approval with the card terminal affiliate store or the card company in a server managing the account associated with the check card. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When requesting payment authorization using a check card, A card terminal for transmitting a full approval request message including a payment approval request text and a cash withdrawal request text in a payment account associated with the check card to a server on a communication network; And Receiving the composite approval request full text through a server on the communication network, reading the composite approval request full text to read the check card information, payment approval amount and cash withdrawal amount information, and to manage the account associated with the check card Check the balance of the account in connection with the server, and according to the verification result, the payment approval processing corresponding to the payment approval request included in the composite approval request text and the cash withdrawal request included in the composite approval request text Card company server for performing the cash withdrawal approval processing; check card payment approval processing system comprising a. A professional receiving unit for receiving the full text of the approval request using a check card and a full approval request text including a full text of a cash withdrawal request from a payment account associated with the check card; A specialized reading unit that reads the composite approval request text and reads check card information, payment approval amount and cash withdrawal amount information; And On the basis of the read check card information, after connecting with a server managing an account associated with the check card, in connection with the server, to check the balance of the account, according to the verification result, the composite approval A payment approval process for performing a payment approval process corresponding to a payment approval request included in the request message and a cash withdrawal approval process corresponding to the cash withdrawal request included in the multi-authorization request message; server. The method of claim 5, A composite approval message corresponding to a payment approval process corresponding to a payment approval request included in the compound approval request text and a cash withdrawal approval process corresponding to a cash withdrawal request included in the compound approval request text (included in the compound approval request text) A professional generation unit for generating a payment approval processing full text corresponding to the received payment approval request and a cash withdrawal approval processing full text corresponding to the cash withdrawal request included in the complex approval request text; And The payment approval processing server, characterized in that further comprising; a specialized transmission unit for transmitting the generated composite approval message to a server or a card terminal on a communication network. A computer-readable recording medium having recorded thereon a program for executing a function of the device component of any one of claims 5 and 6. When requesting online payment authorization using a check card, Receiving, by a financial institution server, a full approval request message including a full payment approval request message and a full text transfer request message after cash withdrawal from a payment account associated with the check card; Reading the composite approval request message in the financial company server, and reading check card information, payment approval amount, and cash withdrawal amount information for bank transfer; On the basis of the check card information read from the financial company server, and connected to the server that manages the account associated with the check card, and in connection with the server, to check the balance of the account, the server to the account Transmitting the transfer request information corresponding to the full transfer request or the full transfer request request; Performing, by the financial institution server, a payment approval process corresponding to a payment approval request included in the multi-authorization request full text, and receiving account transfer processing result information from the server; And And transmitting, by the financial institution server, the payment approval processing text corresponding to the account transfer processing result information and the payment approval request or the payment approval processing text including the account transfer processing result information to a server on a communication network. Characterized in that the check card payment approval processing method. When requesting payment authorization using a debit card, A financial company server that generates a composite approval request text including a payment approval request text and a cash withdrawal request text in a payment account associated with the debit card, and manages a payment account associated with the debit card through a communication network. Transmitting to; Reading the compound approval request message and reading the debit card information, the payment authorization amount, and the cash withdrawal amount information by receiving the compound approval request message in the financial company server; Checking the balance of the account associated with the debit card based on the debit card information read from the financial company server; Performing, at the financial company server, a payment approval process corresponding to a payment approval request included in the complex approval request text and a cash withdrawal approval process corresponding to a cash withdrawal request included in the complex approval request text according to the verification result; ; And Debit card payment approval processing method characterized in that it comprises a; processing the settlement of the amount corresponding to the card with the merchant and the cash withdrawal authorization in the server managing the account associated with the debit card. A computer-readable recording medium having recorded thereon a program for executing the method of claim 8 or 9. A professional receiving unit for receiving the full text of the approval request for payment approval using a debit card and the full text of the request for approval of a cash withdrawal request from the payment account associated with the debit card; A specialized reading unit that reads the composite approval request text and reads the debit card information, payment approval amount, and cash withdrawal amount information; And On the basis of the read debit card information, check the balance of the account associated with the debit card, and according to the verification result, payment approval processing corresponding to the payment approval request included in the full approval authorization request and the composite And an approval processing unit for performing a cash withdrawal approval process corresponding to the cash withdrawal request included in the approval request text. A computer-readable recording medium having recorded thereon a program for executing a function of the device component of claim 11. When requesting online payment authorization using a debit card, Receiving, by a financial institution server, a full approval request text including a payment approval request text and a full text transfer request text using a payment account associated with the debit card; Reading the full authorization request message from the financial institution server and reading the debit card information, payment authorization amount and cash withdrawal amount information for bank transfer; Checking the balance of the account associated with the debit card based on the debit card information read from the financial company server; And Performing, at the financial company server, a payment approval process corresponding to a payment approval request included in the complex approval request text and a cash withdrawal approval process corresponding to a cash withdrawal request included in the complex approval request text according to the verification result; Debit card payment approval processing method characterized in that it comprises a.

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