KR100802760B1 - System and Method for Processing Credit Card Payment Admission, Server and Recording Medium - Google Patents

Abstract

The present invention relates to a credit card payment approval processing method and system, and a payment approval processing server and a recording medium for the same, when requesting payment approval using a credit card, withdrawing the full payment approval request from a card terminal and withdrawing a cash service using the credit card. When the composite approval request message including the request text is generated and transmitted to a server on a communication network, the complex approval request message is transmitted from a server on the communication network to a card company server corresponding to the credit card information. After receiving the request message, the composite approval request message is read, and the credit card information, the payment approval amount, and the cash service withdrawal amount information are read, and the credit card information is read based on the read credit card information from the card company server. Check the total limit information and cash advance limit information corresponding to the card information, The card company server compares the total limit corresponding to the confirmed credit card information with the total amount of the read payment approval amount and the cash service withdrawal amount, and the cash service limit information corresponding to the confirmed credit card information. Comparing the read cash service withdrawal amount, according to the comparison 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 service withdrawal included in the complex approval request text The cash service withdrawal approval process corresponding to the request is performed, and the card company server processes the settlement of the amount corresponding to the cash service withdrawal approval with the card terminal affiliate store.

Credit card, payment, authorization

Description

System and Method for Processing Credit Card Payment Admission, Server and Recording Medium}

1 is a diagram illustrating a system for providing a cash service at an affiliate store using a credit 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 composite approval request specialized structure for providing a credit card payment and a cash service at the same time according to an embodiment of the present invention.

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

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

7A and 7B illustrate 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.

8A and 8B are views illustrating printing and outputting a credit card payment and a cash service result in a payment terminal device according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a composite approval request specialized structure for simultaneously providing a credit card payment and a wire transfer service according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a complex approval specialized structure corresponding to a complex approval request text for simultaneously providing a credit card payment and a wire transfer service according to an embodiment of the present invention.

11 is a diagram illustrating a process of simultaneously providing a credit card payment and a wire transfer service in a payment terminal device according to an embodiment of the present invention.

12A and 12B illustrate a process of simultaneously providing a credit card payment and a wire transfer service in a payment terminal device according to an embodiment of the present invention.

13A and 13B are diagrams illustrating an operation process of a payment server that receives a full approval request from a payment terminal according to another embodiment of the present invention.

14 is a diagram illustrating a printout of credit card payment and account transfer service results in a payment terminal device according to an embodiment of the present invention.

15 is a diagram illustrating a system for providing online credit 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: transfer processing unit

120: approval processing unit 125: amount comparison unit

130: information verification unit 135: storage medium

The present invention is a professional receiving unit for receiving a full approval authorization request including a full payment authorization request using a credit card and the full cash service withdrawal request using the credit card, and by reading the combined approval request full text, credit card information and payment A specialized reading unit for reading the authorized amount and cash service withdrawal amount information and a limit information checking unit for confirming the total limit information and the cash service limit information corresponding to the credit card information based on the read credit card information; Compare the total limit corresponding to the confirmed credit card information with the total amount of the read settlement approval amount and the cash service withdrawal amount, and the cash service limit information corresponding to the confirmed credit card information and the read out amount; According to the amount comparison unit comparing the cash service withdrawal amount and the comparison result, before the complex approval request It relates to a payment approval processing server having an approval processing unit for performing a payment approval processing corresponding to a payment approval request included in a statement and a cash service withdrawal approval processing corresponding to a cash service withdrawal request included in the full approval request.

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.

An object of the present invention, when the payment approval request using a credit card, a card terminal for generating a complex approval request full text including the payment approval request full text and the cash service withdrawal request full text using the credit card to transmit to the server on the communication network and the After receiving the server on the communication network and the complex approval request message to the card company server corresponding to the credit card information and the complex approval request message, the complex approval request message is read, and the credit card information, payment authorization amount and cash service Read the withdrawal amount information, check the total limit information corresponding to the credit card information and the cash service limit information based on the read credit card information, and determine the total limit corresponding to the confirmed credit card information; Compare the sum of the read settlement approval amount and the cash service withdrawal amount; Compare the cash service limit information corresponding to the existing credit card information and the amount of the withdrawal of the cash service read out, and according to the comparison result, the payment approval process corresponding to the payment approval request included in the full approval request and the complex approval The present invention provides a credit card payment approval processing system and method including a card company server that performs a cash service withdrawal approval process corresponding to a cash service withdrawal request included in the request.

In the credit card payment approval processing method according to the present invention, when requesting payment approval using a credit card, a communication network is generated by generating a complex approval request message including a full payment approval request message and a full text of cash service withdrawal request using the credit card. Transmitting to a server on the server; Transmitting the full authorization request message from a server on the communication network to a card company server corresponding to the credit card information; Reading the composite approval request text from the card company server, and reading the composite approval request text to read credit card information, payment approval amount, and cash service withdrawal amount information; Confirming, by the card company server, the total limit information and the cash service limit information corresponding to the credit card information based on the read credit card information; The card company server compares the total limit corresponding to the confirmed credit card information with the total amount of the read payment authorization amount and the cash service withdrawal amount, and the cash service limit information corresponding to the confirmed credit card information. Comparing the read cash service withdrawal amount; The card company server performs the payment approval processing corresponding to the payment approval request included in the composite approval request text and the cash service withdrawal approval processing corresponding to the cash service withdrawal request included in the complex approval request text according to the comparison result. Doing; And processing the settlement of an amount corresponding to the card terminal affiliate store and the cash service withdrawal approval in the card company server.

According to the present invention, the step of performing the payment approval processing corresponding to the payment approval request included in the complex approval request full text and the cash service withdrawal approval processing corresponding to the cash service withdrawal request included in the complex approval request full text, the A composite approval message corresponding to the complex approval request text (the payment approval processing text corresponding to the payment approval request included in the complex approval request text and the cash service withdrawal approval processing corresponding to the cash service withdrawal request included in the complex approval request text) Generating full text); And transmitting the generated composite approval message to a server on the communication network.

In addition, according to the present invention, the step of processing the settlement of the amount corresponding to the card terminal affiliated store and the cash service withdrawal approval in the card company server, confirming the predetermined deposit account information from the merchant information corresponding to the card terminal; step; And depositing the cash service withdrawal amount into the confirmed deposit account.

In addition, according to the present invention, the step of processing the settlement of the amount corresponding to the card terminal affiliated store and the cash service withdrawal approval in the card company server, characterized in that performed in the sales slip purchase process corresponding to the payment approval.

In addition, according to the present invention, in connection with the wireless terminal of the credit card user, characterized in that it further comprises the step of processing the approval for the cash service withdrawal processing.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the at least one credit card payment approval processing method described above recorded in the program.

On the other hand, the credit card payment approval processing system according to the present invention, upon request for payment approval using a credit card, generates a complex approval request full text including the full text of the payment approval request and the withdrawal of the cash service withdrawal request using the credit card, and then on the network. A card terminal for transmitting to the server; And a server on a communication network that transmits the composite approval request message to a card company server corresponding to the credit card information. And after receiving the composite approval request text, read the composite approval request text, read credit card information, payment authorization amount, and cash service withdrawal amount information, and based on the read credit card information, Confirm the total limit information corresponding to the card information and the cash service limit information, compare the total amount corresponding to the confirmed credit card information with the total amount of the read payment authorization amount and the cash service withdrawal amount, and confirm the Compare the cash service limit information corresponding to the credit card information with the read amount of the cash service withdrawal amount, and according to the comparison result, the payment approval processing corresponding to the payment approval request included in the full approval request and the compound A car that performs cash processing withdrawal approval processing corresponding to the cash service withdrawal request included in the approval request. Characterized in that comprises a; four servers.

On the other hand, the payment approval processing server according to the present invention, a professional receiving unit for receiving a full text of the approval approval request, including a full payment approval request using a credit card and the full cash service withdrawal request using the credit card; A specialized reading unit that reads the composite approval request text and reads credit card information, payment approval amount, and cash service withdrawal amount information; And a limit information confirming unit confirming the total limit information and the cash service limit information corresponding to the credit card information based on the read credit card information. Compare the total amount corresponding to the confirmed credit card information with the total amount of the read settlement approval amount and the cash service withdrawal amount, and the cash service limit information corresponding to the confirmed credit card information and the read cash An amount comparison unit comparing the service withdrawal amount; And an approval processing unit performing payment approval processing corresponding to a payment approval request included in the composite approval request message and a cash service withdrawal approval process corresponding to a cash service withdrawal request included in the compound approval request message according to the comparison result. It is characterized by comprising;

According to the present invention, if the full cash service withdrawal request includes the account transfer information of the cash service withdrawal amount, further comprises a transfer processing unit for transferring the cash service withdrawal amount to the account corresponding to the account transfer information It is characterized by.

Further, according to the present invention, a composite approval message corresponding to the complex approval request text (the payment approval processing text corresponding to the payment approval request included in the complex approval request text and the cash service withdrawal request included in the complex approval request text) A full text generation unit for generating a cash service withdrawal approval processing corresponding to the full text; 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 a program for executing the function of at least one device component of the above payment approval server.

On the other hand, the credit card payment approval processing method according to the present invention, when the online payment approval request using a credit card, includes a full payment approval request in a predetermined professional receiving means and a full account transfer request after withdrawing the cash service using the credit card Receiving the completed composite approval request full text; Reading the full authorization request message in a predetermined information reading means, and reading credit card information, payment authorization amount and cash service withdrawal amount information; Identifying total limit information and cash service limit information corresponding to the credit card information based on the read credit card information in a predetermined information checking means; Compares the total amount corresponding to the identified credit card information with the total amount of the read payment authorization amount and the cash service withdrawal amount in a predetermined information comparing means, and the cash service limit corresponding to the confirmed credit card information; Comparing information with the read cash service withdrawal amount; And processing the payment approval corresponding to the payment approval request included in the compound approval request full text according to the comparison result in a predetermined approval processing means, and cash corresponding to the cash service withdrawal request included in the compound approval request full text. After withdrawing the service, the transfer process to the account corresponding to the transfer request; characterized in that it comprises a.

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 service at a merchant using a credit card according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 shows a merchant that is equipped with a predetermined payment terminal device 200 including a predetermined credit authorization terminal (CAT), while simultaneously processing a credit card payment through a predetermined credit card. Requesting a cash service to the card company (or financial company) through the credit card, and checking whether the cash service is available through the limit information (for example, a cash service limit) corresponding to the credit card at the card company (or financial company), Upon approving the cash service according to the result of the check, the merchant equipped with the payment terminal device 200 pays the cash service amount to the card user, and then sets the cash service amount to the affiliate store. As one embodiment of a system for providing a cash service, a general knowledge in the technical field to which the present invention belongs. If it is a pendulum, various credit card-based credit card payment systems (e.g., VISA assured clicks) for services that simultaneously provide credit card payments and credit card-based cash services by referring to and / or modifying this drawing 1, and / Or an online credit card payment system based on the Internet Security Payment (ISP) of the national / BC) may be inferred, but the present invention includes all the inferred implementation method, this figure It should be noted that the present invention is not limited to the method shown in FIG. 1.

The system for simultaneously providing a credit card payment and a credit card-based cash service at an affiliate store using the credit card includes: a payment terminal device 200 for credit card payment and credit card-based cash service provided at at least one or more affiliated stores; The payment server 100 is connected to at least one payment terminal device 200 through a predetermined payment network 160 (eg, a Value Added Network (VAN)) and provided to a card company (or financial company) that issued the credit card. And a predetermined complex approval request message transmitted from the payment terminal device 200 on the payment network 160 to the payment server 100 provided in the card company (or financial company). It is preferable that a predetermined server (for example, a VAN server) (not shown) to be transmitted is provided.

The payment terminal device 200 is basically provided with a credit card payment function, characterized in that comprises a credit authorization terminal (CAT) with a credit 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 payment server 100 is provided in the card company (or financial company) that issued the credit card to provide credit card payment and credit card-based cash service according to the present invention, the card company (or financial company) Card information (e.g., credit card number, etc.) corresponding to a predetermined credit card issued to the card customer (or member), and predetermined limit information (e.g., the credit limit, cash service) associated with the credit card. Limit, total credit limit, etc.), and a storage medium 135 for linking and storing the customer information of the member, and / or interworking with the storage medium 135 through a predetermined network and / or interface means. It is desirable to.

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 for providing a credit card payment and a credit card based cash service according to the present invention may include at least one payment terminal device 200 provided at an affiliate store through a predetermined payment network 160. A special receiving unit 105 for receiving a complex approval request text for providing a credit card payment and a credit card based cash service according to the present invention, and reading the complex approval request text in advance and approving a credit card payment and / or a credit card. The total reading corresponding to the credit card in conjunction with the storage medium 135 on the basis of the specialized reading unit 110 for reading at least one or more information required for the base cash service approval, and the read credit card information Limit information confirmation unit 130 for confirming the information and cash service limit information, the total limit corresponding to the confirmed credit card and the read payment authorization gold And an amount comparison unit 125 for comparing the total amount of the cash service withdrawal amount and comparing the cash service limit information corresponding to the identified credit card information with the read cash service withdrawal amount; And an approval processing unit 120 performing payment approval processing corresponding to the payment approval request included in the complex approval request text and cash service withdrawal approval processing corresponding to the cash service withdrawal request included in the compound approval request text. Characterized in that made.

According to the embodiment of the present invention, the payment server 100 is a full text generation unit 145 for generating a predetermined approval message including the approval result of the approval processing unit 120, and / or the generated approval message Preferably it further comprises a specialized transmission unit 140 for transmitting to the payment terminal device through the payment network.

According to the implementation method of the present invention, when the full cash service withdrawal request includes the account transfer information of the cash service withdrawal amount, the transfer processing unit 115 for transferring the cash service withdrawal amount to the account corresponding to the account transfer information It is preferable to further comprise a).

According to the exemplary embodiment of the present invention, the payment server 100 may further include a settlement processing unit 150 for processing the settlement of the amount corresponding to the card terminal affiliated store and the cash service withdrawal approval from the card company server.

According to an embodiment of the present invention, the payment server 100 requests the credit card user (or member) to simultaneously provide a credit card payment and a credit card based cash service according to the present invention through the credit card. It characterized in that it further comprises a customer approval processing unit 155.

The specialized receiving unit 105 is a credit card from the payment terminal device 200 through a predetermined payment network 160 in accordance with a transaction protocol defined between at least one or more payment terminal device 200 and the card company (or financial company). At least one credit card payment request, either a full payment request or full credit card payment request, or a full authorization request text message (or credit card-based direct debit) and credit card-based cash advances for simultaneously providing credit card-based cash services. Characterized in that it receives the full text, the received credit card payment request full text is provided to the full text reader (110).

The full text reader 110 reads each credit card payment request full text structure received through the full text receiver 105 so that the full text credit card payment request received from the payment terminal device 200 is conventionally credited. It is characterized in that it reads whether it is a full text request or a credit card payment request, or a complex authorization request text for simultaneously providing credit card payment (or credit card based direct debit) and credit card based cash service according to the present invention.

In addition, when the read result of the received credit card payment request is a full authorization request for providing a credit card payment (or credit card-based direct debit) and credit card-based cash service according to the present invention, the specialized reading unit 110 may provide credit card payment authorization-related information (eg, credit card number, payment amount, etc.), and / or credit card-based cash service approval procedure for performing a credit card payment approval procedure from the complex authorization request text. And extracting predetermined credit card-based cash service authorization related information (for example, credit card number, cash service amount, etc.) for performing, wherein the extracted information is the limit information checking unit 130 and / or the amount. It is provided to the comparator 125.

The limit information checking unit 130 checks and extracts a credit settlement limit and / or a total credit limit from the storage medium 135 based on the extracted credit card payment approval related information, and / or And extracting the cash service limit and / or the total credit limit from the storage medium 135 based on the credit card number included in the extracted credit card-based cash service authorization related information. Information is provided to the amount comparison unit 125.

The amount comparison unit 125 compares the credit card payment amount included in the extracted credit card payment approval information with the credit payment related limit information confirmed through the limit information checking unit 130 and compares the result of the comparison. Compare the cash service amount provided to the authorization processing unit 120 and / or included in the extracted credit card based cash service approval related information with the cash service related limit information confirmed through the limit information checking unit 130. And it is characterized in that to provide the comparison result to the approval processing unit 120.

The approval processing unit 120, based on the comparison result provided from the amount comparison unit 125, the payment approval processing corresponding to the payment approval request included in the composite approval request full text and the cash service included in the composite approval request full text The cash service withdrawal approval processing corresponding to the withdrawal request is performed, and the approval processing result is provided to the full text generation unit 145.

The full text generation unit 145 includes the credit card-based direct payment approval result and the credit card-based cash service approval result on the basis of the approval processing result provided from the approval processing unit 120, Characterized by generating a predetermined composite approval message, the generated composite approval message is provided to the message transmission unit 140.

According to an embodiment of the present invention, the multi-authorization preamble may include that both credit card-based debit and credit card-based cash services have been approved, or that either one of the credit card-based debit and credit card-based cash services is approved. It may include that it has been approved, or that neither the credit card-based direct debit payment nor the credit card-based cash service has been authorized, thereby limiting the invention.

The specialized transmission unit 140 is a predetermined payment network according to the transaction protocol defined between the card company (or financial company) and the payment terminal device 200 for the composite approval message generated by the professional generation unit 145. Characterized in that the transmission to the payment terminal device 200 through the 160, the payment terminal device 200 receives the composite approval message, the predetermined credit card corresponding to the credit card-based debit payment approval result Perform a payment completion procedure (eg, outputting a credit card payment receipt) and / or a predetermined credit card based cash service completion procedure (eg, outputting a cash service receipt, etc.) corresponding to the credit card based cash service approval result.

The transfer processing unit 115 opens a financial system (or any financial system) in which the target bank transfer account is opened when a predetermined bank transfer service is requested from the payment terminal device 200 instead of the cash service. The card company (or financial company) withdraws the amount corresponding to the predetermined amount of the account transfer from the mother account, and deposits the funds into the target account for the account transfer, and the approval processing and settlement processing for the account transfer amount Same as the above cash service.

The financial system 170 is characterized in that at least one or more financial accounts linked to the credit card is opened, the account system for processing a window service such as credit or reception or trust or foreign exchange occurring at at least one branch ( 180), an information system 185 for processing headquarters operations, branch office information support, and customer information management; and an external computer network including the financial system and homes, businesses, retail stores, and card companies (or financial companies). External system 195 that provides electronic banking services (e.g., Internet banking, phone banking, Cash Dispenser) / Automatic Teller Machine (ATM), line transfers, call centers, financial settlements, etc., and components within the financial system. The interface module 190 corresponding to the middleware platform that provides inter-interfaces, and the components of the financial system to perform their respective functions. It includes a DBMS (Database Management System) 195 for storing and managing required information (eg, financial account (or financial product), or customer ledger information, or management information, etc.), and And / or foreign exchange modules (not shown), investment finance modules (not shown), or international modules (depending on the type of each financial institution (eg commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system). It is possible to further include at least one or more components, such as not shown, by which the present invention is not limited.

The settlement processing unit 150 checks the predetermined deposit account information from the merchant information corresponding to the card terminal after the predetermined time has elapsed after the cash service (and / or the bank transfer service) is provided, and the predetermined financial system It is characterized in that the deposit processing the cash service withdrawal amount to the confirmed deposit account through (170).

According to one embodiment of the invention, the settlement processing unit 150 to settle the cash service (and / or account transfer service) amount is preferably performed in the process of purchasing the sales slip corresponding to the payment approval. .

The customer approval processing unit 155 provides a credit card payment and credit card based cash service interworking service according to the present invention through the credit card when issuing a credit card from the card company (or financial company) to the customer (or member). Request and process an authorization for, and / or, after the credit card has been issued to the customer (or member), prior to first providing credit card payment and credit card-based cash services interworking services in accordance with the present invention. Request and process the credit card, and / or request authorization for the credit card payment and credit card-based cash services linked service according to the present invention after the credit card is issued to the customer (or member). And processing, and / or the credit card payment and credit card It characterized in that the request and approval process for them in the process of receiving a cash advance service works.

According to an embodiment of the present invention, when the card company (or financial company) issues a credit card to the customer (or member), the credit card payment and credit card based cash service interworking service according to the present invention is provided through the credit card. The process of requesting and processing the approval of the credit card is provided with the credit card payment and credit card-based cash service interworking service according to the present invention in a credit card issuance application form provided by the card company (or financial company) to the customer (or member). Request for approval, and the customer approval processing unit 155 stores the approval result in association with the customer information stored in the storage medium 135.

After the credit card is issued to the customer (or member) according to another embodiment of the present invention, requesting an authorization for the credit card payment and credit card based cash service interworking service according to the present invention before first providing And / or requesting and processing authorization for the credit card payment and credit card-based cash services interworking service according to the present invention after the credit card is issued to the customer (or member). The process, the customer approval processing unit 155 is a customer (or member) of the wired terminal (e.g., a desktop computer or laptop connected to a TCP / IP-based wired communication network) and / or a wireless terminal (e.g. CDMA based mobile communication network Mobile terminal connected to a mobile communication terminal, a portable Internet terminal connected to an IEEE 802.1x-based high-speed wireless Internet communication network, Motorola's DataTAC method or Erricson Requesting the customer (or member) approve the credit card payment and the credit card-based cash service 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 135 can be made.

According to another exemplary embodiment of the present invention, the customer (or member) requests and processes an authorization for the credit card payment and credit card-based cash service interworking service according to the present invention through the credit card. In the process, the customer approval processing unit 155 interoperates with a wired terminal and / or a wireless terminal of the customer (or member) and the credit card payment generated through the predetermined payment terminal device 200 to the customer (or member). It can be made by requesting an authorization for a credit card-based cash service linked service, receiving the approval result, and including the credit card payment and credit card based cash service linked service processing details.

In particular, in the process of the customer (or member) receiving the credit card payment and credit card-based cash services linked service according to the present invention through the credit card, the customer approval processing unit 155 of the customer (or member) The process of requesting and processing an approval for a credit card payment and a credit card based cash service interworking service according to the present invention in association with a wireless terminal may include a predetermined wireless communication network (eg, CDMA based mobile communication network) in the customer approval processing unit 155. Requesting access to the customer approval processing unit 155 from the wireless terminal through an IEEE 802.1x based high speed wireless Internet communication network and a DataTAC / Mobitex based wireless data communication network (for example, when the wireless communication network is a mobile communication network, the customer wireless terminal). Transmits a wireless message including a CallbackURL to the client wireless terminal, and the customer approval processor 155 transmits the wireless message to the client through the CallbackURL. Requests to access, and), and the wireless station can be achieved by ensuring that inputs a password (symmetric key) that accept the credit card and the credit card based cash service to other services.

According to an embodiment of the present invention, when the payment terminal device 200 is a client terminal supporting an online credit card payment service, the customer (or member) may use the credit card payment and credit according to the present invention through the credit card. In the process of receiving a card-based cash service interlocking service, the customer approval processing unit 155 interoperates with the wireless terminal of the customer (or member) to approve the credit card payment and credit card-based cash service interlocking service according to the present invention. In the request and processing process, the customer approval processing unit 155 generates a predetermined authentication number and transmits it to the customer wireless terminal through a predetermined wireless communication network, and the customer wireless terminal inputs the authentication number to the client terminal. Then, the client terminal transmits the authentication number to the customer approval processing unit 155, the customer approval process It may be made by comparing the authentication number received from the client terminal with the authentication number transmitted from the client unit 155 to the customer wireless 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 credit card payment service, the customer (or member) is connected to the credit card payment according to the present invention through the credit card. In the process of receiving a credit card-based cash service interlocking service, the customer approval processing unit 155 interoperates with the wireless terminal of the customer (or member) to approve the credit card payment and credit card-based cash service interlocking service according to the present invention. In the request and processing process, before the credit card payment is performed, the customer wireless terminal accesses the customer approval processing unit 155 through a predetermined wireless communication network, and the customer approval processing unit 155 uses a predetermined authentication number. After generating and transmitting to the customer wireless terminal through a predetermined wireless communication network, credit card payment and credit card device according to the present invention In the process of providing the anti-cash service interworking service may be made by inputting the authentication number to the merchant terminal, the merchant terminal transmits the authentication number to the payment server 100 including the predetermined authorization approval message in full. .

In addition, the customer approval processing unit 155 is the customer (or member) of the customer (or member) in the process of receiving the credit card payment and credit card-based cash service linked service according to the present invention through the credit card. The process of requesting and processing an approval for a credit card payment and a credit card based cash service interworking service according to the present invention by interworking with a wireless terminal is based on the credit card payment and credit card according to the present invention through the payment terminal device 200. After the payment service device 200 generates a predetermined authentication number and outputs it on the screen in the process of providing a cash service interlocking service, the authentication terminal is included in a predetermined complex approval request message to the payment server 100. And by transmitting the authentication number output on the screen of the payment terminal device 200 to the customer approval processing unit 155 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 that provides credit card payment and cash service (and / or wire transfer service) at the same time. Those skilled in the art will refer to and / or modify this drawing 2 to infer various payment terminal devices 200 for services that simultaneously provide credit card payment and cash services (and / or wire transfer services). As will be appreciated, the invention is intended to include all such inferred practice methods.

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, credit card payment and cash services (and / or accounts) according to the present invention At least one processor including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. And an execution memory (e.g., a register and / or random access memory (RAM)) and a bus for inputting and outputting predetermined data, and software-specific functions specific to the payment terminal device 200. A predetermined program routine that is loaded from a predetermined recording medium into the execution memory to be executed by the processor And / or a predetermined program recorded on a recording medium provided in the payment terminal device 200 to simultaneously provide the credit card payment and cash service (and / or wire transfer service). And / or the control unit 205 includes a component that can be processed in software among the functional components provided in the payment terminal device 200 to simultaneously provide the credit card settlement and the cash service (and / or the bank transfer service). It is characterized in that).

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 the provision of the credit card payment service defined in (200), the payment terminal device (2) for a service for simultaneously providing a credit card payment and a cash service (and / or a bank transfer service) according to the present invention ( The payment terminal device 200 provided in the payment terminal device 200 for interworking control of the components provided in the 200 and / or simultaneously providing the credit card payment and the cash service (and / or the bank transfer service). Recorded on the record carrier It is preferred to run the program.

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 includes one or more storage means, the predetermined program routine and program data (for example, the program routine is required for the control unit 205 to perform a predetermined control function) Output data) is stored.

According to an embodiment of the present invention, the memory unit 250 stores a payment processing authorization for a service that simultaneously provides a credit card payment and a cash service (and / or wire transfer service), and / or cash. It is preferable to have a storage area for storing the service processing details and / or a storage area for storing the money transfer processing details.

The customer who simultaneously requests credit card payment and cash service (and / or bank transfer service) according to the present invention through the payment terminal device 200 is based on an ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, and Carry a contact IC card (or wireless IC chip) based on ISO / IEC 7816 and / or at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 (Or owned), 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 provides 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 is a credit card, a check card, a debit card, It is preferable to include payment means information corresponding to a 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 includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies the power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface 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 the method of the present invention, the card reader unit 210 is a credit card payment service defined in the payment terminal device 200 and / or credit card payment and cash service (and / or bank transfer service) according to the present invention. For at least one card reader 210 to provide a service at the same time for a predetermined payment (including at least one or more credit card, check card, debit card, cash card, financial account provided on the card) It is preferable to read the payment means information corresponding to the means).

The key input unit 220 is provided with at least one key button including at least one number key and / or character key and / or function key. 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 the exemplary embodiment of the present invention, the key input unit 220 may include key data corresponding to the credit card payment service from at least one key input device for the credit card payment service defined in the payment terminal device 200. It is preferable to perform the function of a key input means for receiving a payment amount, etc., and also for the service to provide a credit card payment and a cash service (and / or account transfer service) at the same time according to the present invention It is preferable to perform a function of the key input means for receiving at least one or more key data required in the service providing process for providing the credit card payment and cash services (and / or bank transfer services) at the same time.

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, credit 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 processes the credit card payment according to each credit card payment step to the screen output device for the credit card payment service defined in the payment terminal device 200. It is preferable to perform a function of a screen output means for outputting a screen, and also to provide the credit card payment and cash service (and / or bank transfer service) according to the present invention to the screen output device for the credit card. It is preferable to perform a function of a screen output means for outputting a processing screen corresponding to a service providing step of simultaneously providing a settlement and a cash service (and / or an account transfer service).

The communication processor 230 performs a payment network 160 (eg, a value added network (VAN)) while the payment terminal device 200 performs a predetermined function (for example, a credit card payment processing function using a card). Terminal (or server) and / or terminal (or device) connected to the payment terminal device 200 through a predetermined cable and / or terminal connected to the payment terminal device 200 through a predetermined short-range wireless communication (Or a device) and a predetermined communication means for connecting a communication session, network communication unit for connecting a predetermined communication channel with a server (or device) on a wired or wireless network, and / or a predetermined cable communication A cable communication unit for connecting a communication session with a predetermined terminal (or device) via a port, and / or a predetermined short-range communication terminal (or through at least one short-range wireless communication means) Value) becomes done by including a short range wireless communication unit for connecting the apparatus with a predetermined communication session comprises a communication protocol and / or the 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). Connecting a communication channel with a server (or device) on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and hardwarely connecting the payment terminal device 200 to a predetermined wired / wireless network. 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 (SAM) is a confidentiality and / or authentication required in the process of the payment terminal device 200 performs the electronic payment and / or credit card payment using the card. The payment terminal device without using the authentication server (or the payment server 100) on the payment network 160 for security requirements including authentication and / or integrity and / or nonrepudiation. As a safety device for performing a safe and reliable structure within 200, the payment terminal device 200 processes in a process of performing a predetermined security request function (for example, electronic payment and / or credit card payment function). Encrypt or decrypt a given message (information or data), add an authenticator to prevent forgery (or tampering) of the message, or perform the security request function. The information on the features that perform a function for storing important key information.

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 credit card payment processing function using a card) and / or predetermined information or data generated as a result ( For example, the payment processing result information or data) is output to a predetermined printing device (for example, a receipt printing machine), and printing the printing information or data in accordance with a predefined printing form through the predetermined printing device. It consists of a printing protocol and a driver.

Referring to FIG. 2, the payment terminal device 200 interoperates with the screen output unit for a service for simultaneously providing a credit card payment and a cash service (and / or an account transfer service) according to the present invention. Output at least one menu screen (or interface screen) for a service that provides payment and cash services (and / or wire transfer services) at the same time, and the credit card payment and cash services (and / or) in conjunction with the key input unit. A predetermined information processing unit for receiving at least one or more information for a service for simultaneously providing a wire transfer service, and a predetermined complex approval request for a service for simultaneously providing the credit card settlement and cash service (and / or wire transfer service). The composite professional generation unit for generating a payment network and the generated composite approval request full text through the communication processing unit And a transmitting unit for transmitting to a server (or device) on the network 160 and a receiving unit for receiving at least one or more complex approval messages from the server (or device) on the payment network 160 through the communication processing unit. The composite approval message processing unit may be further configured to separate the received composite approval message by approval details and output through the screen output unit, and / or classify the received composite approval message by approval details and store the received information in the memory unit. It is characterized by including.

The information processing unit works with the screen output unit 215 for simultaneously providing a credit card payment and a cash service (and / or an account transfer service) according to the present invention on a default screen of the payment terminal device 200. A credit card payment and cash service according to the present invention is displayed on the screen of the payment terminal device 200 by outputting a predetermined menu screen (or interface screen) and / or by a predetermined command corresponding to the key input unit 220. And / or a predetermined menu screen (or interface screen) for a service for simultaneously providing a wire transfer service.

In addition, the information processing unit in conjunction with the key input unit 220 at the same time the credit card payment and cash service (and / or account transfer service) according to the present invention from the payment terminal device 200 operator and / or the card user at the same time Characterized in that it receives a predetermined information for the service provided, and according to the intention and / or method of the skilled in the art, the information processor is predetermined in conjunction with the cable communication unit and / or the wireless communication unit on the basis of the communication processing unit 230 A cable communication terminal (or device) (e.g., a point of sale (POS) terminal connected to the payment terminal device 200 through cable communication) and / or a communication terminal (or device) on the basis of (e.g., the payment terminal Providing a credit card payment and cash service (and / or wire transfer service) at the same time from the device 200 and a POS terminal connected via short-range wireless communication) It is possible to receive the predetermined information for the service, and to which the present invention is not limited.

According to an embodiment of the present invention, it is preferable that the information processing unit provides information input for the service for simultaneously providing a credit card payment and a cash service (and / or a bank transfer service) according to the present invention to the complex specialty generation unit. Do.

The composite text generation unit generates predetermined credit card payment related information obtained through the information processing unit for a predetermined credit card settlement process, and the information processing unit for a cash service (and / or an account transfer service) according to the present invention. Predetermined complex authorization for a service that simultaneously provides the credit card payment and the cash service (and / or wire transfer service) according to the present invention based on the obtained information relating to the predetermined cash service (and / or wire transfer service). Characterized in that to generate the full request.

According to an embodiment of the present invention, the composite approval request text generated by the complex text generation unit is defined between the payment terminal device 200 and a predetermined card company (or financial company) for the predetermined credit card payment processing. Preferably, the predetermined payment request further includes information for the cash service (and / or wire transfer service) obtained through the information processing unit. For example, the composite message generation unit may provide a cash service for a predetermined cash service to a predetermined payment request message including at least one of a credit card payment request message and / or a check card payment request message defined in the payment terminal device 200. The composite approval request text can be generated further by including money information and / or password information, or account number information and bank transfer money information and / or bank account information for a predetermined bank transfer service in the payment request text. And / or further include password information to generate the full text of the approval authorization request.

According to another exemplary embodiment of the present invention, the complex approval request text generated by the complex text generating unit includes a terminal (eg, a cash service function) that provides a predetermined cash service in connection with a predetermined card company (or financial company). The ATM / CD (Automatic Teller Machine / Cash Dispenser, etc.) and a predetermined cash service (and / or wire transfer service) request defined between the credit card company (or financial company) obtained in the payment terminal device 200. It is preferable to further include credit card payment related information. 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 165, at this time the payment terminal The device 200 is connected to the financial network 165 and the payment terminal to the predetermined full cash service (and / or account transfer service) request defined between the terminal providing a cash service and a predetermined card company (or financial company). The credit card payment related information obtained by the device 200 may be further included to generate a full text of the authorization request according to the present invention.

According to another exemplary embodiment of the present invention, the complex approval request text generated by the complex text generating unit is credit card payment and cash service (and / or account transfer) according to the present invention through the payment terminal device 200. Service) can correspond to a predetermined complex approval request specialized structure defined by the card company (or financial company), thereby the present invention is not limited.

The card company (or financial company) that processes the credit card payment corresponding to the payment means provided on the card for the credit card payment through the predetermined payment network 160 in conjunction with the communication processing unit 230 Characterized in that the transmission to the server (or device) provided in the multi-community approval request message generated by the multi-communication generation unit.

According to an embodiment of the present invention, the composite approval request message is transferred to a server (or device) provided in the card company (or financial company) that processes the credit card payment corresponding to the payment means provided in the card. It is desirable to request authorization for both credit card payments and cash advances (and / or wire transfers).

The card company (or financial company) that processes the credit card payment corresponding to the payment means provided in the card for the credit card payment through the predetermined payment network 160 in conjunction with the communication processing unit 230 And receiving a predetermined composite approval message corresponding to the composite approval request message from the server (or device) provided in the server.

According to an embodiment of the present invention, the composite approval message is applied to the credit card payment from a server (or device) provided in the card company (or financial company) that processes the credit card payment corresponding to the payment means provided on the card. Preferably, at least one or more of the credit card payment authorization results and / or cash service (and / or wire transfer service) authorization results for the cash service (and / or wire transfer service). For example, the multi-authorization preamble may include a credit card payment authorization result for the credit card payment, or a cash service (and / or wire transfer service) authorization result for the cash service (and / or wire transfer service). It may include, or may include both a credit card payment authorization result for the credit card payment and a cash service (and / or wire transfer service) authorization result for the cash service (and / or wire transfer service). .

According to an exemplary embodiment of the present invention, the composite authorization text message is approved by the credit card payment for the credit card payment and the cash service (and / or wire transfer service) for the cash service (and / or wire transfer service). It is desirable for the results to be received as part of a complete multi-authorization message.

According to another exemplary embodiment of the present invention, the composite authorization text message is a credit card payment approval result for the credit card payment and / or a cash service (and / or wire transfer service) for the cash service (and / or wire transfer service). Service) After the first composite approval message including a predetermined approval result (e.g., credit card payment approval result, or cash service (and / or wire transfer service) approval result) is received in advance, the remaining approval result ( For example, it may be possible to receive after a second composite authorization message, including a cash service (and / or wire transfer service) authorization result, or a credit card payment authorization result, by which the present invention is not limited.

The composite approval message processing unit may be linked with the screen output unit 215 and / or the print output unit 240 to display the complex approval message received through the receiving unit (eg, the credit card payment approval result and / or cash service (and And / or an account transfer service) to the screen output device and / or the printing device 245 included in the payment terminal device 200).

According to the method of the present invention, the composite approval message processing unit is preferably provided with a function for reading the cash service (and / or transfer service) approval results included in the complex approval message, thereby payment of the credit card And / or whether the cash service (and / or wire transfer service) is approved or rejected in a form that the payment terminal device 200 operator (or card user) can recognize.

According to an exemplary embodiment of the present invention, the composite approval specialized processing unit classifies the credit card payment approval result and / or cash service (and / or bank transfer service) approval result for each approval result and displays the same screen on the screen output device. It is preferable to simultaneously output the same, and according to the intention of a person skilled in the art, the credit card payment approval result and / or cash service (and / or wire transfer service) approval result may be classified by each approval result and different screens of a predetermined screen output device. It is possible to output respectively to the present invention, by which the present invention is not limited.

According to an exemplary embodiment of the present invention, the composite approval specialized processing unit classifies the credit card payment approval result and / or cash service (and / or bank transfer service) approval result for each approval result to be different from each other through the printing apparatus. It is preferable to print on printing paper, and the credit card payment approval result and / or cash service (and / or wire transfer service) approval result are classified by each approval result according to the intention of a person skilled in the art, and the result is one through the printing apparatus. It is possible to include all of the printing paper (for example, a receipt) for outputting, whereby the present invention is not limited.

The composite approval message processing unit interlocks with the memory unit 250 and at least receives a complex approval message (eg, the credit card payment approval result and / or a cash service (and / or transfer service) approval result received through the receiving unit). Characterized in that it contains one or more composite approval) to the memory unit 250 provided in the payment terminal device 200 is characterized in that for storing.

According to an embodiment of the present invention, the composite approval specialized processing unit classifies the credit card payment approval result and / or cash service (and / or wire transfer service) approval result for each approval result and stores the result in different storage areas of the memory unit. Preferably, the credit card payment authorization result and / or cash service (and / or wire transfer service) authorization result are classified by each authorization result according to the intention of a person skilled in the art. And / or wire transfer service) approval results may be stored in a predetermined storage area including the field in association with each other, and the present invention is not limited thereto.

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

In more detail, FIG. 3 illustrates a predetermined payment network 160 (eg, a value added network (VAN)) in a predetermined payment terminal device 200 including a credit authorization terminal (CAT). Based on a credit card payment request message sent to a card company (or financial company) through an example of an implementation method for a complex approval request message structure in which a cash service request message is added, the general knowledge in the technical field to which the present invention belongs. Persons having ordinary skill in the art may refer to and / or modify this drawing 3 to infer various implementation methods for the composite approval request specialized structure in which a cash service request text is added based on each payment request text according to the intention of the skilled person. The present invention encompasses all the implementation methods inferred above, and it is limited that this composite approval request specialized structure is illustrated in FIG. 3. No.

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 a credit card payment request specialist (eg, information 2 to 13 items) and a cash service request. It consists of a specialized department (eg, 14-16 items of specialized information).

The credit card payment request specialist of the composite approval request message is a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) related to the credit card payment, a Terminal_ID item for the payment terminal device 200, and a POS entry. Mode item and TRACK II Data item (for example, PAN (Primary Account Number) area of TRACK II of MS card) corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 200 And credit card information obtained from the AD (Additional Data) and / or Discretionary Data (DD) area, or credit card information obtained from the credit card file of the IC card, and includes a predetermined file separator (0X1C). ) And the installment months, total payment amount, and service fee items, and also the working key index item, password item, and product code item. And document serial number items. Persons of ordinary skill in the art to which the present invention pertains will clearly understand the details of each item included in the credit 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 (eg, a credit approval request, a credit approval cancellation, etc.) corresponding to the full credit card payment request, in this case, the cash service. The request specialized unit preferably includes a separate transaction division item corresponding to the full cash service request as shown in FIG. 3.

According to another exemplary embodiment of the present invention, the transaction classification item may include integrated transaction classification information (eg, credit approval request + cash service request, credit approval request + cash service cancellation) for the credit card payment request full text and the cash service request full text. , Credit approval cancellation + cash service request, credit approval cancellation + cash service cancellation, etc.), in this case, the cash service request specialized unit may omit a separate transaction category corresponding to the cash service request full text. The present invention is not limited thereby.

The credit card payment request specialist and the cash service request specialist are separated by a predetermined delimiter in the composite approval request. In FIG. 3, the credit card payment request and the cash service are provided through a file separator (FS) for convenience. Although it is shown to distinguish the full text of the request, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and FS. And / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

The credit card cash service request specializing unit of the complex approval request full text includes a predetermined cash service amount item separately from the total payment amount of the credit card payment request specializing unit for simultaneously providing credit card settlement and cash service according to the present invention. Characterized in that the total amount of the sum of the total payment amount and the cash service amount for the credit settlement processing is preferably further included.

According to the exemplary embodiment of the present invention, since the credit 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 cash service, the payment terminal 200 preferably inputs a predetermined password by the customer, and the input password is included in the password item of the credit card payment request specialist. It is preferable.

According to another exemplary embodiment of the present invention, when a separate cash service password is defined and / or one-time-password (OTP) is used to simultaneously provide the cash service during the credit card payment processing. In addition, a separate password item (not shown) corresponding to the cash service password and / or OTP may be added to the cash service request specialist, and the present invention is not limited thereto.

4 is a diagram illustrating a composite approval message structure corresponding to a composite approval request message for simultaneously providing credit card settlement and cash 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 160 through a predetermined payment company (or financial company) after transmitting the complete approval request as shown in Figure 3, the payment network As an example of an exemplary method for the complex approval specialized structure received by the payment terminal device 200 through the 160, a person having ordinary skill in the art to which the present invention pertains refers to FIG. And / or may be modified to infer various implementation methods for the composite approval message structure corresponding to the composite approval request text, as intended by one of ordinary skill in the art, but the present invention includes all implementation methods inferred by the present invention. The structure is by no means limited to that illustrated in FIG.

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 Characterized in that it further comprises a checksum (CRC-CCITT) for the professional information after the end character, the professional information is credit card payment approval department (for example, 2 to 35 items of professional information) and cash service approval full text It consists of a portion (e.g., 36 to 39 items of specialized information).

The credit card payment approval specialized unit of the complex approval message includes a plurality of approval result items, and each approval result item is classified through a predetermined FS (File Separator, 0X1C).

The credit card payment approval specialist unit may include transaction classification items (eg, credit approval request, credit approval cancellation, etc.) and the payment terminal corresponding to the transaction classification related to the credit card payment included in the complex approval request message shown in FIG. 3. Terminal_ID item, status value item (e.g. 'O': credit card payment request normal approval, 'X': credit card payment request denied), transaction date item and message 1 item, message 2 item, message for device 200 3 item, message 4 item, authorization number item (e.g., credit approval number if status value is 'O', credit card payment rejection reason code if status value is 'X'), purchaser ID item, Card company (bank) type name item, issuer ID item, document serial number item, affiliated store number item, document purchaser item, comment item included in the complete approval request shown in Figure 3, HELP DESK PHONE NO item, PIN DATA Entry and Contr This includes the ol_Flag item. Those skilled in the art to which the present invention pertains will clearly understand the details of each approval result item included in the credit card payment approval department with reference to FIG. Description is omitted.

According to an exemplary embodiment of the present invention, the transaction classification items included in the credit card payment request specialized part of the composite approval request message shown in FIG. 3 correspond to the transaction classification information (eg, credit approval request, Credit cancellation, etc.), and a separate transaction classification item corresponding to a predetermined cash service is included in the full text of the cash approval request, and the transaction division of the credit card settlement approval part is shown in this drawing. As shown in FIG. 4, only the transaction classification information corresponding to the credit card settlement (eg, credit approval request, cancellation of credit approval, etc.) or integrated transaction classification information for the credit card settlement approval sentence and the cash service approval sentence (eg, Credit authorization request + Cash service request, Credit authorization request + Cash service cancellation, Credit authorization cancellation + Cash service request, Credit authorization cancellation + Cash It bis possible both to include clear, 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 credit card payment request specialization unit among the complex approval request full text shown in FIG. 3 are divided into integrated transactions for the credit card payment approval full text and the cash service approval full text. When the information is included, the transaction division of the credit card payment approval department may include integrated transaction classification information (eg, credit approval request + cash service request, credit approval request + cash) for the credit card payment approval full text and the cash service approval full text. Transaction cancellation information including service cancellation, credit approval cancellation + cash service request, credit authorization cancellation + cash service cancellation, or corresponding to the credit card payment as shown in FIG. Etc.), and the present invention is not limited thereto.

However, if the transaction division of the credit card payment approval specialist includes only transaction classification information (eg, credit approval request, credit approval cancellation, etc.) corresponding to the credit card settlement as shown in FIG. As shown in FIG. 4, the unit preferably includes a separate transaction division item corresponding to the full cash service approval.

The credit card payment approval specialist and the cash service approval specialist are divided by a predetermined delimiter in the composite approval request. In FIG. 3, the credit card payment approval and the cash service are provided through a file separator (FS) for convenience. Although it is shown to distinguish the full text of the approval, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and FS. And / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

The cash service approval specialty part of the composite approval request full text is provided with a status value item (eg, 'O': cash service request normal approval, 'X' for the cash service request to simultaneously provide credit card settlement and cash service according to the present invention). ': Rejects a cash service request) and an authorization number item for the cash service request (e.g., if the status value item is' O', a cash service approval number, or if the status value item is' X ', Reason for denial of service, etc.).

According to another exemplary embodiment of the present invention, some of the information included in the cash service approval professional unit is included in the message 3 item and / or message 4 item included in the credit card payment approval unit. 200), and the present invention is not limited thereto.

5 is a diagram illustrating a process of simultaneously providing a credit card payment and a cash 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 to generate a complete approval request as shown in Figure 3 to provide a credit card payment and cash services according to the present invention at the same time predetermined payment network 160 As an exemplary method of transmitting to a predetermined card company (or financial company) through, and receiving and processing the complex approval message as shown in Figure 4 from the card company (or financial company), it is common in the art Those skilled in the art may refer to and / or modify this drawing 5 to infer various operation methods for the payment terminal device 200 which simultaneously provides credit card payment and cash service according to the present invention according to the intention to those skilled in the art. However, the present invention includes all the implementation methods inferred, and the method of operating the payment terminal device 200 is limited to that shown in FIG. It is never.

Referring to FIG. 5 according to an embodiment of the present invention, the payment terminal device 200 recognizes a card provided 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 the credit card payment and the cash service according to the present invention is started through the reading process 500, whereby the payment terminal device 200 is viewed in the standby state. In operation 505, the credit card payment and the cash service interworking mode are switched.

According to another exemplary embodiment of the present invention, a process in which an operation process of a payment terminal device 200 for simultaneously providing a credit card payment and a cash service according to the present invention is started may be defined in each payment terminal device 200. An operation procedure (for example, a predetermined "cash" provided in the payment terminal device 200) which is changed according to the credit card settlement operation procedure and / or is provided for simultaneously providing the credit card settlement and the cash service according to the present invention. Service "by clicking the" service "button and recognize the card can be changed by the payment terminal device 200 operation procedure for defined to provide a credit card payment and cash services at the same time according to the present invention, but the present invention is limited Is never.

As described above, a process of operating a payment terminal device 200 for simultaneously providing a credit card payment and a cash service according to the present invention is started, and in the process, payment means information is read from a predetermined card, and a credit card according to the present invention is provided. After switching to the payment and cash service interlocking mode, the payment terminal device 200 includes credits including payment amount and / or installment months through a predetermined key input device as shown in (a) and (b) of FIG. Receiving payment information from the card, and / or receiving payment amount from a predetermined POS terminal, and receiving payment amount through a predetermined key input device as shown in (b) of FIG. Information is received (or input) (510).

Thereafter, the payment terminal device 200 receives a predetermined cash service in connection with the credit card payment according to the present invention through a predetermined screen output device (for example, the payment terminal device 200 is provided with a cash service amount). And receiving the credit card payment and the cash service interlocking service (received from the affiliated store), and checking whether the credit card payment and the cash service interlocking service are provided through a predetermined key input device (515).

According to an exemplary embodiment of the present invention, the process of checking whether the credit card payment and the cash service interworking service are provided includes inquiring whether the payment terminal device 200 provides the cash service during the credit card payment to a predetermined screen output device. It is preferable to output a predetermined interface screen so that the operator (or card user) of the payment terminal device 200 selects it.

According to another exemplary embodiment of the present invention, the process of checking whether the credit card payment and the cash service interworking service are provided may include a cash service as shown in (C) of FIG. 6 from the payment terminal device 200 to a predetermined screen output device. Outputting an interface screen for inputting an amount, and inputting a predetermined cash service amount on the interface screen, the payment terminal device 200 operator (or card user) provides a credit card payment and cash service interworking service according to the present invention. If it is assumed that the receiving is selected, and if a predetermined cash service amount is not input on the interface screen, the operator of the payment terminal device 200 (or the card user) receives the credit card payment and the cash service interworking service according to the present invention. You may consider it not to choose.

If the credit card payment and the cash service interlocking service provision according to the present invention is not confirmed (for example, only the credit card payment is performed through the payment terminal device 200) (520), the payment terminal device 200 is the card Generate a predetermined credit card payment request message including payment method information read from the credit card information, the credit card payment related information, and merchant information (for example, payment terminal device 200 related information) (525); The entire card payment request is transmitted to a predetermined card company (or financial company) through a predetermined payment network 160 (530).

On the other hand, if it is confirmed that the credit card payment and the cash service interworking service provision according to the present invention (520), the payment terminal device 200 through the predetermined screen output device as shown in Figure 6 (c) of the predetermined cash service amount Outputs an interface screen for input and an interface screen for inputting a card password as shown in (d) of FIG. 6, and includes the cash service amount information and password information through a predetermined key input device based on the annoying interface screen. Check whether the cash service related information is input (535).

If predetermined cash service related information is input (540), the payment terminal device 200, as illustrated in Figure 3, the payment means information read from the card, the credit card payment related information and merchant information (e.g., Generating a complete authorization request message including a predetermined credit card payment request message including the payment terminal device 200 related information) and a predetermined cash service request message including the cash service related information (545); The generated composite approval request message is transmitted to a predetermined card company (or financial company) through a predetermined payment network 160 (550).

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

In more detail, FIG. 6 illustrates an embodiment of an exemplary operation process of a payment terminal device 200 for simultaneously providing a credit settlement and a cash service according to the present invention in a predetermined payment terminal device 200. For those of ordinary skill in the art, with reference to and / or modifying the present Figure 6 for a payment terminal device 200 for providing a credit card payment and cash service at the same time according to the intention to those skilled in the art Various operation processes may be inferred, but the present invention includes all the inferred implementation methods, and the operation of the payment terminal device 200 is not limited to those illustrated in FIG.

7A and 7B are diagrams illustrating an operation process of the payment server 100 that receives a full approval request from a payment terminal according to an embodiment of the present invention.

In more detail, Figures 7a and 7b are received from the payment terminal device 200 provided in the card company (or financial company) from the payment terminal device 200 receives the full authorization request as shown in Figure 3 credit card payment approval procedure and / Or illustrates an implementation method for providing a cash service approval procedure, and those skilled in the art to which the present invention pertains, reference and / or modification of the drawings 7a and 7b to those skilled in the art According to the intention, it will be possible to infer various service providing methods for the payment server 100 for providing a credit card payment and a credit card based cash service according to the present invention, but the present invention includes all the inferred implementation methods. However, the present method of providing the service is not limited to that shown in FIGS. 7A and 7B. 7a and 7b, the payment server 100 is referred to as " server " for convenience.

Referring to FIG. 7A, when the server 100 provided in the card company (or financial company) receives a predetermined payment approval request text from the payment terminal device 200 through a predetermined payment network 160 (700), The card number corresponding to the payment means information is extracted by reading the received payment approval request message structure (705), and the credit is received in the received payment approval request message text in conjunction with the storage medium 135 based on the card number. In operation 710, the card payment request message is included (eg, whether the extracted card number is a credit card number).

If the received payment approval request message does not include a credit card payment request message (eg, the extracted card number is not a credit card number) (715), the server 100 receives the received payment approval request. A predetermined payment process corresponding to the full text is performed (720).

On the other hand, if the received payment approval request message includes a credit card payment request message (for example, if the extracted card number is a credit card number) (715), the server 100 reads the payment approval request message structure. In step 725, the credit card payment request message is included in the full authorization request message including the cash service message as shown in FIG.

If the received payment approval request text is not a complex approval request text as shown in FIG. 3 (for example, if it is a conventional credit card payment request text) (730), the server 100 according to the conventional credit card payment approval procedure. The payment process corresponding to the full credit card authorization request 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 100 extracts the credit card number and payment amount information from the credit card payment request full text of the complex approval request text And extracting credit card payment limit information from the storage medium 135 through the credit card number (740), and comparing the credit card payment amount with the credit card payment limit information to approve the credit card payment. In operation 750, a predetermined credit card settlement approval result including the credit card settlement approval confirmation is generated (750).

Referring to FIG. 7A, the server 100 provided in the card company (or financial company) extracts a credit card number and cash service amount information from the cash service request message of the complex approval request message (755), and the credit card number. Extract the cash service limit information from the storage medium 135 through (760), and confirm the cash service approval by comparing the cash service amount and the cash service limit information (765), and confirms the cash service approval A predetermined cash service approval result including the details is generated (770).

Thereafter, the server 100 generates a complex approval message including the credit card approval result and the cash service approval result as shown in FIG. 4 (775), and generates the complex approval through a predetermined payment network 160. The full text is transmitted to the payment terminal device 200 (780).

Thereafter, the payment terminal device 200 classifies and reads a credit card approval result and a cash service approval result included in the received composite approval message, and displays a predetermined screen output device and / or a printing device (eg, shown in FIG. 8A). The payment receipt and the cash service receipt shown in FIG. 8b) are output (785).

In addition, the payment terminal device 200 classifies the credit card payment approval full text (or credit card payment approval result) and the credit card-based cash service approval full text (or cash service approval result) included in the complex approval message by storage area. In operation 790, the memory device stores the data in each storage area provided in the memory unit.

According to the embodiment of the present invention, the payment terminal device 200 cancels the transaction of the credit card payment authorization full text (or credit card payment approval result) and / or the credit card based cash service approval full text (or cash service approval result). It is desirable to store until the possible period elapses, whereby it is possible to inquire and confirm the credit card payment and / or credit card-based cash service provided through the payment terminal device 200 after a certain period of time. Do.

8A and 8B illustrate an example of printing and outputting a credit card payment and a cash service result in a payment terminal device 200 according to an exemplary embodiment of the present invention.

In more detail, Figure 8a and Figure 8b is a predetermined payment terminal device 200 generates a complex approval request full text as shown in Figure 2 to provide a credit card payment and cash services according to the present invention at the same time predetermined payment network After transmitting to a predetermined card company (or financial company) through the 160, and receives a complex approval message as shown in FIG. 3 from the card company (or financial company), credit settlement included in the complex approval message shown in FIG. As an exemplary embodiment of the present invention, which classifies, reads, and prints an approval result and a cash service approval result, specifically, FIG. 8A shows a credit settlement approval result corresponding to a credit settlement approval specialist included in the composite approval message. Illustrated receipt printed out and printed, Figure 8b is included in the composite approval message on the credit receipt form such as Figure 8a It is an example of a receipt printed out by reading the cash service approval result corresponding to the cash service approval specialist.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 8a and 8b to simultaneously make a credit card payment and a cash service according to the present invention according to the intention and / or receipt form to those skilled in the art. Although it is possible to easily infer a print output result by the present invention, the present invention includes all the inferred implementation methods, and the print output result according to the present invention is not limited to that shown in FIGS. 8A and 8B. .

9 is a diagram illustrating a composite approval request specialized structure for simultaneously providing a credit card payment and a wire transfer service according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a complex approval in which a predetermined transfer account request is added based on a credit card payment request message transmitted from a predetermined payment terminal device 200 to a card company (or a financial company) through a predetermined payment network 160. As an example of an exemplary method for request structure, one of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 9 to complete the description of each payment request (e.g. It is possible to infer various implementation methods for the composite approval request full text structure in which the full amount of the transfer request is added based on the check card payment request text, etc.), but the present invention includes all the implementation methods inferred from the above, The approval request specialized structure is not limited to that illustrated in FIG.

Referring to FIG. 9, the composite approval request full-text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character, characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information, the specialized information is credit card payment request specialized department (eg, professional information 2 ~ 13 items) and bank transfer request It consists of specialized departments (e.g. 14-19 items of specialized information).

The credit card payment request specialist of the composite approval request message is a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) related to the credit card payment, a Terminal_ID item for the payment terminal device 200, and a POS entry. Mode item and TRACK II Data item (for example, PAN (Primary Account Number) area of TRACK II of MS card) corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 200 And credit card information obtained from the AD (Additional Data) and / or Discretionary Data (DD) area, or credit card information obtained from the credit card file of the IC card, and includes a predetermined file separator (0X1C). ) And the installment months, total payment amount, and service fee items, and also the working key index item, password item, and product code item. And document serial number items. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each item included in the credit card payment request specialized section 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 (eg, credit approval request, credit approval cancellation, etc.) corresponding to the credit card payment request text, and in this case, the account transfer The requesting specialized unit preferably includes a separate transaction division item corresponding to the full transfer request as shown in FIG.

According to another exemplary embodiment of the present invention, the transaction classification item is integrated transaction classification information (eg, credit approval request + account transfer request, credit approval request + account transfer cancellation) for the credit card payment request full text and bank transfer request full text. , Credit approval cancellation + account transfer request, credit approval cancellation + account transfer cancellation, etc.), in this case, the bank transfer request specialized unit may omit a separate transaction classification item corresponding to the bank transfer request message. The present invention is not limited thereby.

The credit card payment request specialist and the account transfer request specialist are divided by a predetermined delimiter in the complex approval request. In FIG. 9, the credit card payment request full and the account transfer are transferred through a file separator (FS) for convenience. Although it is shown to distinguish the full text of the request, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and FS. And / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

The credit card account transfer request specializing unit of the composite approval request full text separately from the total payment amount of the credit card payment request specialization section for providing credit card payment and account transfer according to the present invention; The account opening bank code item in which an account to be transferred is opened, and an account number item in which the account transfer amount is to be deposited, comprising the total payment amount and the account transfer amount for the credit settlement process. It is preferable to further include the total amount of the sum.

According to the implementation method of the present invention, the account opening bank code is a two-digit number for the bank in which the account to be transferred is opened, for example, SME bank (03), Kookmin bank (04, 09), KEB (05), Housing Bank (06, 29), Suhyup Central Association (07), National Agricultural Cooperative Federation (11), National Agricultural Cooperative Federation (16), Hanbit Bank (20, 22, 24), Chohung Bank (21, 38), First Bank (23), Seoul Bank (25), Shinhan Bank (26, 28), Hanmi Bank (27, 36), Daegu Bank (31), Busan Bank (32), Gwangju Bank (34), Jeju Bank (35), It may include at least one of the Jeonbuk Bank 37, Gyeongnam Bank 39, Hana Bank (81, 82), Peace Bank (83), Post Office (71).

In addition, the account number item is an account number opened in the bank, preferably consisting of only numbers without '-', the account number structure is preferably in accordance with the definition of each bank.

According to the exemplary embodiment of the present invention, since the credit 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 card payment and account transfer, the payment terminal device 200 preferably inputs a predetermined password by the customer, and the input password is included in the password item of the credit card payment request specialist. It is preferable.

According to another exemplary embodiment of the present invention, when a separate account transfer password is defined and / or an OTP is used to simultaneously provide the account transfer during the credit card payment processing, the account transfer request specialized unit In addition, a separate password item (not shown) corresponding to the account transfer password and / or OTP may be added, and thus, the present invention is not limited thereto.

FIG. 10 is a diagram illustrating a complex approval specialized structure corresponding to a complex approval request text for simultaneously providing a credit card payment and a wire transfer service according to an embodiment of the present invention.

In more detail, FIG. 10 transmits the complete approval request message as shown in FIG. 9 to a predetermined card company (or financial company) through a predetermined payment network 160 at a predetermined payment terminal, and then transfers the payment network 160 to the predetermined payment terminal. As an example of an implementation method for the complex approval specialized structure received through the payment terminal, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10 to intention to those skilled in the art. According to the present invention, it is possible to infer various implementation methods for the complex approval specialized structure corresponding to the complex approval request full text, but the present invention includes all the inferred implementation methods, and the complex approval specialized structure is illustrated in FIG. It is by no means limited to.

Referring to FIG. 10, 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). Characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information after the end character, the professional information is credit card payment approval department (for example, 2 to 35 items of professional information) and bank transfer approval full text It consists of a portion (e.g., 36 to 41 items of specialized information).

The credit card payment approval specialized unit of the complex approval message includes a plurality of approval result items, and each approval result item is classified through a predetermined FS (File Separator, 0X1C).

The credit card payment approval specialist unit may include transaction classification items (eg, credit approval request, credit approval cancellation, etc.) and the payment terminal corresponding to the transaction classification related to the credit card payment included in the complex approval request message shown in FIG. 9. Terminal_ID column, status value column (e.g. 'O': credit card payment request normal authorization, 'X': credit card payment request declined), transaction date item, message1 item, message2 item, message3 item, message 4 items, authorization number items (e.g., if the status value is 'O', credit approval number, or if the status value is 'X', credit card payment refusal reason code), purchaser ID item, card company (bank) Type name item, Issuer ID item, Document serial number item, Merchant number item, Document purchaser item, Annotation item, HELP DESK PHONE NO item, PIN DATA item and Control_Flag It comprises a neck. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each approval result item included in the credit card settlement approval department with reference to FIG. Description is omitted.

According to an exemplary embodiment of the present invention, the transaction classification items included in the credit card payment request specialized part of the composite approval request message shown in FIG. 9 correspond to transaction classification information (eg, credit approval request, Credit cancellation, etc.), and if the transaction transfer request message includes a separate transaction category corresponding to a predetermined account transfer, the transaction division item of the credit card payment approval department is shown in this drawing. As shown in FIG. 10, only the transaction classification information corresponding to the credit card settlement (for example, credit approval request, credit cancellation cancellation, etc.) or integrated transaction classification information for the credit card settlement approval preamble and the transfer transfer approval preamble (eg, Credit approval request + account transfer request, credit approval request + account transfer cancellation, credit approval cancellation + account transfer request, credit approval cancellation + account transfer cancellation, etc.) All are possible, and this invention is not limited by this.

According to another exemplary embodiment of the present invention, the transaction division items included in the credit card payment request specialization unit among the complex approval request full text shown in FIG. 9 are divided into integrated transactions for the credit card payment approval full text and the transfer transfer approval full text. When the information is included, the transaction division of the credit card payment approval department may include integrated transaction classification information (eg, credit approval request + account transfer request, credit approval request + account) for the credit card payment approval full text and the transfer transfer approval text. Transaction classification information (e.g., credit approval request, credit approval cancellation), including transfer cancellation, credit authorization cancellation + account transfer request, credit authorization cancellation + account transfer cancellation, etc., or corresponding to the credit card settlement as shown in FIG. Etc.), and the present invention is not limited thereto.

However, when the transaction division of the credit card payment approval specialist includes only transaction classification information (eg, credit approval request, credit approval cancellation, etc.) corresponding to the credit card settlement as shown in FIG. As shown in FIG. 10, the unit preferably includes a separate transaction division item corresponding to the full payment transfer approval.

The credit card payment approval specialist and the account transfer approval specialist are divided by a predetermined delimiter in the pre-authorized approval request. In FIG. 9, the credit card payment approval preamble and the account transfer are transferred through a file separator (FS) for convenience. Although it is shown to distinguish the full text of the approval, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and FS. And / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

Among the complex approval request text, the account transfer approval specialist may provide a status value item (eg, 'O': account transfer request normal approval, 'X' for the account transfer request to simultaneously provide credit card payment and account transfer according to the present invention). ': Wire transfer request rejected) and an authorization number item for the wire transfer request (e.g., if the status value item is' O', an account transfer approval number, or if the status value item is' X ', Reason for rejection of the transfer, etc.), the bank code item for the bank where the bank transfer amount was deposited, the bank account number for the financial account in which the bank transfer amount was deposited, and the name of the account holder of the bank account. Characterized in that made.

According to another exemplary embodiment of the present invention, some of the information included in the bank transfer approval specialist is included in the message 3 item and / or message 4 item included in the credit card payment approval specialist. 200), and the present invention is not limited thereto.

11 is a diagram illustrating a process of simultaneously providing a credit card payment and a wire transfer service in a payment terminal device 200 according to an embodiment of the present invention.

In more detail, in Figure 11, a predetermined payment terminal device 200 generates a full authorization request message as shown in Figure 9 in order to simultaneously provide a credit card payment and a bank transfer service according to the present invention. As an example of an exemplary method of transmitting to a predetermined card company (or financial company), and receiving and processing a complex approval message as shown in FIG. 10 from the card company (or financial company), the present invention generally includes Those skilled in the art can refer to and / or modify this drawing 11 to infer various operation methods for the payment terminal device 200 which simultaneously provides a credit card payment and account transfer service according to the present invention according to the intention of those skilled in the art. Although the present invention may include all implementation methods inferred from the above, the method of operating the payment terminal device 200 is shown in FIG. It is by no means limited to.

Referring to FIG. 11 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 the credit card payment and the bank transfer service according to the present invention is started through the reading process 1100, whereby the payment terminal device 200 is in the standby state. In operation 1105, the credit card payment and account transfer interworking mode according to the present invention is switched.

According to another exemplary embodiment of the present invention, a process in which an operation process of a payment terminal device 200 for simultaneously providing a credit card payment and a bank transfer service according to the present invention is started is defined in each payment terminal device 200. The operation procedure (for example, predetermined in the payment terminal device 200) which is changed according to the credit card payment operation procedure, and / or is newly defined to simultaneously provide the credit card settlement and the bank transfer service according to the present invention. By clicking on the "Transfer" button and recognizing the card can be changed by the payment terminal device 200 operating procedure defined for providing the credit card payment and account transfer service at the same time according to the present invention, thereby This is by no means limited.

As described above, a process of operating a payment terminal device 200 for simultaneously providing a credit card payment and an account transfer service according to the present invention is started, and in the process, payment means information is read from a predetermined card and credit according to the present invention. After switching to the card payment and bank transfer interworking mode, the payment terminal 200 includes a payment amount and / or installment months through a predetermined key input device, as shown in Figure 12a (a) and (b) Receiving credit card payment related information, and / or receiving a payment amount from a predetermined POS terminal, and receiving a predetermined credit card payment by inputting an installment month number through a predetermined key input device as shown in (b) of FIG. Receive (or input) related information (1110).

Thereafter, the payment terminal device 200 is provided with a predetermined account transfer service in connection with the credit card payment according to the present invention through a predetermined screen output device (for example, the payment terminal device 200 is provided with the amount of the account transfer amount). And receiving the credit card payment and the wire transfer interworking service, which are received from the affiliated store, and checking whether the credit card payment and the wire transfer interworking service are provided through a predetermined key input device (1115).

According to an exemplary embodiment of the present invention, the process of checking whether the credit card payment and the account transfer interworking service are provided includes inquiring whether the payment terminal device 200 provides the account transfer service during the credit card payment to a predetermined screen output device. It is preferable to output a predetermined interface screen, and the payment terminal device 200 operator (or card user) to select it.

According to another exemplary embodiment of the present invention, the process of confirming whether the credit card payment and the account transfer interworking service are provided may be transferred from the payment terminal device 200 to a predetermined screen output device as shown in FIG. 12A. Outputting the interface screen for inputting the amount of money, and enters a predetermined amount of money transfer on the interface screen, the operator (or card user) of the payment terminal device 200 provides a credit card payment and account transfer interworking service according to the present invention. If it is assumed that the selected to receive, and does not enter a predetermined transfer amount on the interface screen, the operator of the payment terminal device 200 (or card user) receives the credit card payment and account transfer interworking service according to the present invention. You may consider it not to choose.

If it is not confirmed that the credit card payment and account transfer interworking service provided according to the present invention (for example, only the credit card payment is performed through the payment terminal device 200) (1120), the payment terminal device 200 is the card Generate a predetermined credit card payment request message including the payment means information read from the credit card information, the credit card payment related information, and the merchant information (for example, the payment terminal device 200 related information) (1125); The entire card payment request is transmitted through a predetermined payment network 160 to a predetermined card company (or financial company) (1130).

On the other hand, if it is confirmed that the credit card payment and the bank transfer interworking service provision according to the present invention (1120), the payment terminal device 200 through the predetermined screen output device as shown in (d) of FIG. The interface screen to input, the interface screen for selecting a bank as shown in (a) of Fig. 12b, the interface screen for entering an account number as shown in (b) in Fig. 12b, and the card password as shown in (c) in Fig. 12b. The interface screen to be input is output (1135), and on the basis of the annoying interface screen, it is checked whether predetermined account transfer related information including the money transfer amount information and password information is input through a predetermined key input device (1140).

If predetermined bank transfer information is input (1145), the payment terminal device 200, as shown in Figure 9, the payment means information read from the card, the credit card payment information and merchant information (e.g., Generating a full credit card payment request message including the payment terminal device 200 related information) and a full payment request message including the predetermined money transfer request message including the transfer information (1150); The generated complex approval request message is transmitted to a predetermined card company (or financial company) through a predetermined payment network 160 (1155).

12A and 12B illustrate a process of simultaneously providing a credit card payment and a wire transfer service in a payment terminal device 200 according to an embodiment of the present invention.

12A and 12B illustrate an embodiment of a method of operating a payment terminal device 200 for simultaneously providing a credit settlement and a wire transfer service according to the present invention in a predetermined payment terminal device 200. Referring to FIG. As those skilled in the art to which the present invention pertains, the present invention provides a credit card payment and a wire transfer service according to the present invention at the same time by referring to and / or modifying the drawings 12a and 12b. 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 illustrated in FIGS. 12A and 12B. It is by no means limited to.

13A and 13B illustrate an operation process of the payment server 100 that receives the full approval request from the payment terminal according to another embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a credit card payment approval procedure by receiving a full approval request as shown in FIG. 9 from the payment terminal device 200 in a payment server 100 provided at a card company (or financial company). / Or illustrates an implementation method for the process of providing a bank transfer approval procedure, and those skilled in the art to which the present invention pertains, reference and / or modification of the drawings 13a and 13b to those skilled in the art According to the intention, it is possible to infer various service providing methods for the payment server 100 that simultaneously provides a credit card payment and a credit card based account transfer service according to the present invention, but the present invention includes all the inferred implementation methods. The service providing method is not limited to that shown in FIGS. 13A and 13B. Hereinafter, the payment server 100 in Figures 13a and 13b is referred to as "server" for convenience.

Referring to FIG. 13A, when a server 100 provided in the card company (or financial company) receives a predetermined payment approval request message from the payment terminal device 200 through a predetermined payment network 160 (1300), The card number corresponding to the payment means information is extracted by reading the received payment approval request message structure (1305), and the credit is received in the received payment approval request message text in conjunction with the storage medium 135 based on the card number. In operation 1310, it is checked whether a full card payment request is included (eg, whether the extracted card number is a credit card number).

If the received payment approval request message does not include a credit card payment request message (eg, the extracted card number is not a credit card number) (1315), the server 100 receives the received payment approval request. The predetermined payment process corresponding to the full text is performed (1320).

On the other hand, if the received payment approval request message includes a credit card payment request message (for example, if the extracted card number is a credit card number) (1315), the server 100 reads the payment approval request message structure. In step 1325, the credit card payment request message includes a full approval request message including a bank transfer document as shown in FIG.

If the received payment approval request text is not a complex approval request text as shown in FIG. 9 (for example, if it is a conventional credit card payment request text) (1330), the server 100 according to the conventional credit card payment approval procedure. The payment process corresponding to the full credit card authorization request is performed (1335).

On the other hand, if the received payment approval request text is a composite approval request text as shown in FIG. 9 (1330), the server 100 extracts credit card number and payment amount information from the credit card payment request text of the complex approval request text. (1340), extracting credit card payment limit information from the storage medium 135 through the credit card number (1345), and comparing the credit card payment amount with the credit card payment limit information to approve the credit card payment. In operation 1350, a predetermined credit card payment approval result including the credit card payment approval confirmation details is generated (1350).

Referring to FIG. 13A, the server 100 provided in the card company (or financial company) extracts the credit card number and the account transfer amount information from the full account transfer request message of the complex approval request message (1355), and the credit card number. The bank transfer limit information is extracted from the storage medium 135 through 1360, and the bank transfer approval is checked by comparing the bank transfer amount with the bank transfer limit information (1365).

If the account transfer is not approved (1366), the server 100 generates a predetermined account transfer approval result including the bank transfer approval confirmation details (1367).

On the other hand, if the account transfer is approved (1366), the server 100 extracts an account opening bank code and account number from the full account transfer request of the complex approval request professional (1368), and corresponds to the bank code In conjunction with the financial system 170 to withdraw the amount corresponding to the transfer amount from the card company (or financial company) mother account and deposits the deposit to the deposit account corresponding to the account number (1369), including the transaction details Generate a predetermined account transfer approval result (1370).

Subsequently, the server 100 generates a composite approval message including the credit card approval result and the bank transfer approval result as shown in FIG. 10 (1375), and generates the complex approval through a predetermined payment network 160. The full text is transmitted to the payment terminal device 200 (1380).

Thereafter, the payment terminal device 200 classifies and reads the credit card approval result and the account transfer approval result included in the received composite approval message, and displays a predetermined screen output device and / or a printing device (eg, shown in FIG. 14A). The payment receipt and the account transfer receipt shown in FIG. 14b) are outputted (1385).

In addition, the payment terminal device 200 stores the credit card payment authorization full text (or credit card payment approval result) and the credit card-based account transfer approval full text (or account transfer approval result) included in the composite approval message for each storage area. The data is classified and stored in each storage area included in the memory unit (1390).

According to the implementation method of the present invention, the payment terminal device 200 cancels the transaction of the credit card payment approval full text (or credit card payment approval result) and / or credit card based account transfer approval full text (or account transfer approval result). It is preferable to store until a possible time elapses, whereby it is possible to inquire and confirm the credit card payment and / or credit card based account transfer provided through the payment terminal device 200 after a certain period of time. Do.

FIG. 14 is a diagram illustrating printing and outputting a credit card payment and a wire transfer service result in a payment terminal device 200 according to an exemplary embodiment of the present invention.

In more detail, Figure 14 is a predetermined payment terminal device 200 to generate a complete approval request as shown in Figure 9 to provide a credit card payment and bank transfer services at the same time according to the present invention predetermined payment network 160 After transmitting to a predetermined card company (or financial company), and receives a complex approval message as shown in FIG. 10 from the card company (or financial company), the credit settlement approval result included in the complex approval message shown in FIG. And a method for exemplifying the classification, reading, and printing of the result of the transfer transfer approval, which is shown in FIG. 14, is provided to the account transfer approval specialist included in the composite approval message on the credit receipt form as shown in FIG. 8A. It is an example of a receipt printed out by reading the corresponding bank transfer approval result.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 14 to simultaneously provide a credit card payment and bank transfer service according to the present invention according to the intention and / or receipt form to those skilled in the art. The print output result may be easily inferred, but the present invention includes all the inferred implementation methods, and the print output result according to the present invention is by no means limited to that shown in FIG.

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

More specifically, FIG. 15 shows a predetermined client terminal connected to a predetermined citizen / BC Internet Secure Payment (ISP) payment network 1560 and / or a visa secure click payment network 1560. A system for providing a credit card-based account transfer service which processes online electronic payment through a credit card and at the same time withdraws a predetermined amount of cash from a predetermined member account linked to the credit 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 can refer to and / or modify this drawing 15 to provide various services for simultaneously providing online credit card payment and credit card based account transfer service. Although an online electronic payment system may be inferred and practiced, the present invention encompasses all such inferred implementation methods. And putting out the bayida SHALL not limited to the exemplary method shown in the figure 15. However, in the description of the system for providing online credit card payment and cash withdrawal (or bank transfer service) through this figure 15, the contents overlapping with the system for providing the credit card payment and account transfer service shown in FIG. Will be omitted for convenience.

The system for simultaneously providing a credit card payment and a credit card based account transfer service at an affiliate store using the credit card includes a predetermined client terminal used by the customer, a web server corresponding to at least one or more Internet shopping malls, and a predetermined payment agent. ISP payment network 1560 and / or assured click payment network 1560 comprising a server (Payment Gateway) and / or card brand company (e.g., Visa) server, the ISP payment network 1560 and And / or a payment server 1500 connected to the secure click payment network 1560 and provided to the card company (or financial company) that issued the credit card, and through the payment server 1500 and a predetermined financial network 165. And a predetermined financial system in which a financial account linked with the credit card is opened.

Those skilled in the art to which the present invention pertains will clearly understand the technical features and operation procedures of the ISP payment network 1560 and / or the assured click payment network 1560, and thus will be described in detail. Is omitted for convenience, and the present invention is not limited thereto.

The client terminal is basically provided with a networking function, and provides an online electronic payment service using a credit card and / or credit card through the ISP payment network 1560 and / or an assured click payment network 1560 do.

The payment server 1500 is provided in the card company (or financial company) that issued the credit card to provide credit card payment and credit card based account transfer service according to the present invention, and a predetermined financial network 165 (Eg, a dedicated communication network connecting at least one card company (or financial company) and the financial system), the financial account associated with the credit card is connected to the opened financial system.

According to the present invention, in processing an online credit card payment based on the ISP payment network 1560 and / or an assured click payment network 1560, the payment server 1500 is a predetermined secure payment window to the client terminal and And / or outputs a secure click window, wherein the amount of money transfer and / or deposit account information (eg, a card company (or a credit card) for providing an account transfer service linked to the online credit card payment through the secure payment window and / or the secure click window. Financial company) is characterized in that the interface screen for inputting the bank and the financial account number (in which the financial account is opened) in which cash withdrawn from the mother account is deposited.

Subsequently, the payment server 1500 may include a full authorization request message (the ISP payment) including credit card payment related information and credit card based account transfer related information input (or selected) through the secure payment window and / or the secure click window. Transaction data transmitted and received between the client terminal and the payment server 1500 via the network 1560 and / or the assured click payment network 1560 is not a full text, but is referred to as a full text for convenience of terminology of FIG. On the basis of the received and received the complete approval request, characterized in that it provides an online credit card payment and credit card based account transfer service according to the present invention through the functional configuration shown in FIG.

Referring to FIG. 15, a payment server 1500 for providing a credit card payment and a credit card based account transfer service according to the present invention is provided through a predetermined ISP payment network 1560 and / or an assured click payment network 1560. A specialized receiving unit 1505 for receiving a complex approval request text for providing a credit card payment and credit card based account transfer service according to the present invention from at least one client terminal 1565, and reading the credit by reading the complex approval request text. A professional reading unit 1510 for reading at least one or more information required for credit card authorization and / or credit card-based bank transfer authorization, and based on the read credit card information, in conjunction with the storage medium 135 Limit information confirmation unit 1530 for confirming the total limit information and the wire transfer limit information corresponding to the credit card, and corresponding to the confirmed credit card An amount comparison unit 1525 which compares a limit with the sum of the read settlement approval amount and the debit amount withdrawn, and compares the debit amount corresponding to the confirmed credit card information with the debit amount withdrawn ) And, according to the comparison result, performing payment approval processing corresponding to the payment approval request included in the composite approval request text and performing account transfer withdrawal approval processing corresponding to the account transfer withdrawal request included in the composite approval request text. And a transfer processing unit 1515 for transferring the withdrawal amount to the account corresponding to the transfer information according to the approval result. The description refers to Figure 1 above.

According to an embodiment of the present invention, the payment server 1500 is a full text generation unit 1540 for generating a predetermined approval message including the approval result of the approval processing unit 1520, and / or the generated approval message Preferably it further comprises a specialized transmission unit 1535 for transmitting to the client terminal 1565 via the payment network.

According to an embodiment of the present invention, the payment server 1500 further includes a settlement processing unit 1545 for processing the amount corresponding to the amount of the account transfer to the customer who requested the account transfer service from the card company (or financial company) server. It is preferable to comprise.

According to the implementation method of the present invention, the payment server 1500 approves simultaneously providing the credit card payment and credit card based account transfer service according to the present invention to the credit card user (or member) through the credit card. It characterized in that the request further comprises a customer approval processing unit 1550.

Those skilled in the art to which the present invention pertains can easily infer a method of providing an online credit card payment and a credit card based account transfer service with reference to FIGS. 13a and 13b based on this drawing 15. Since it will be possible, 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, as the electronic payment and cash service (and / or transfer service) through the payment terminal (VAN) at the same time through the payment terminal device, the merchant equipped with the payment terminal device is the card user There is an advantage in that a portion of the cash service (and / or bank transfer service) fee that had to be paid by the ATM / CD usage fee can be provided as the payment terminal device based cash service (and / or bank transfer service) fee.

Claims (12)

When requesting payment authorization using a credit card, Generating, by a card terminal, a complex approval request message including a payment approval request text and a cash service withdrawal request text using the credit card, and transmitting the text to a server on a communication network; Transmitting the full authorization request message from a server on the communication network to a card company server corresponding to the credit card information; Reading the composite approval request text from the card company server, and reading the composite approval request text to read credit card information, payment approval amount, and cash service withdrawal amount information; Confirming, by the card company server, the total limit information and the cash service limit information corresponding to the credit card information based on the read credit card information; The card company server compares the total limit corresponding to the confirmed credit card information with the total amount of the read payment authorization amount and the cash service withdrawal amount, and the cash service limit information corresponding to the confirmed credit card information. Comparing the read cash service withdrawal amount; In accordance with the comparison 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 service approval processing corresponding to the cash service withdrawal request included in the complex approval request full text Generating an approval text (a payment approval processing text corresponding to a payment approval request included in the complex approval request text and a cash service approval processing text corresponding to a cash service 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 the amount corresponding to the card terminal affiliated store and the cash service withdrawal approval in the card company server. delete The method of claim 1, wherein the processing of the amount of money corresponding to the card terminal affiliate store and the cash service withdrawal approval is performed at the card company server. Confirming predetermined deposit account information from affiliated store information corresponding to the card terminal; And Depositing the cash service withdrawal amount into the confirmed deposit account; Credit card payment approval processing method characterized in that it comprises a. The method of claim 1, wherein the processing of the amount of money corresponding to the card terminal affiliate store and the cash service withdrawal approval is performed at the card company server. Credit card payment approval processing method characterized in that performed in the process of purchasing the sales slip corresponding to the payment approval. The method of claim 1, And processing the authorization for the cash service withdrawal processing in association with the wireless terminal of the credit card using customer. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When requesting payment authorization using a credit card, A card terminal for generating a complex approval request text including a payment approval request text and a cash service withdrawal request text using the credit card, and transmitting the text to a server on a communication network; And A server on a communication network that transmits the composite approval request message to a card company server corresponding to the credit card information; And After receiving the composite approval request text, the composite approval request text is read, and the credit card information, the payment approval amount and the cash service withdrawal amount information are read out, and based on the read credit card information, the credit card is read. Confirm the total limit information corresponding to the information and the cash service limit information, compare the total amount corresponding to the confirmed credit card information with the total amount of the read payment authorization amount and the cash service withdrawal amount, and confirm the Compare the cash service limit information corresponding to the credit card information with the read amount of the cash service withdrawal, and according to the comparison result, payment approval processing corresponding to the payment approval request included in the compound approval request text and the compound approval Card companies that perform cash withdrawal authorization processing corresponding to the cash withdrawal request included in the full request Server; credit card payment approval processing system comprising a. A professional receiving unit for receiving a full text of a request for approval of payment approval using a credit card and a full text of a request for withdrawing a cash service using the credit card; A specialized reading unit that reads the composite approval request text and reads credit card information, payment approval amount, and cash service withdrawal amount information; And A limit information confirming unit confirming total limit information and cash service limit information corresponding to the credit card information based on the read credit card information; Compare the total amount corresponding to the confirmed credit card information with the total amount of the read settlement approval amount and the cash service withdrawal amount, and the cash service limit information corresponding to the confirmed credit card information and the read cash An amount comparison unit comparing the service withdrawal amount; And An approval processing unit for performing a payment approval process corresponding to a payment approval request included in the complex approval request text and a cash service withdrawal approval process corresponding to a cash service withdrawal request included in the complex approval request text according to the comparison result; Payment approval processing server, characterized in that comprises a. The method of claim 8, If the full cash service withdrawal request includes bank transfer information for the cash advance withdrawal amount, And a transfer processing unit configured to transfer the cash service withdrawal amount to an account corresponding to the account transfer information. The method of claim 8, A composite approval message corresponding to the complex approval request text (withdrawal of cash service corresponding to a payment approval processing text corresponding to a payment approval request included in the complex approval request text and a cash service withdrawal request included in the complex approval request text) A professional generation unit for generating approval processing); 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 8 to 10. When requesting an online payment authorization using a credit card, Receiving a full text of the approval request including a full text of a payment approval request and a full account transfer request after the withdrawal of a cash service using the credit card in a predetermined text receiving means; Reading the full authorization request message in a predetermined information reading means, and reading credit card information, payment authorization amount and cash service withdrawal amount information; Identifying total limit information and cash service limit information corresponding to the credit card information based on the read credit card information in a predetermined information checking means; Compares the total amount corresponding to the confirmed credit card information with the total amount of the read settlement approval amount and the cash service withdrawal amount in a predetermined information comparing means, and the cash service limit corresponding to the confirmed credit card information; Comparing information with the read cash service withdrawal amount; And In accordance with the comparison result, a predetermined approval processing means processes the payment approval corresponding to the payment approval request included in the multi-authorization request preamble, and provides a cash service corresponding to the cash service withdrawal request included in the multi-authorization request preamble. After withdrawal, the transfer process to the account corresponding to the request for bank transfer; credit card payment authorization processing method comprising a.

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