KR100834583B1 - Method for Executing Payment and Program Recordig Medium - Google Patents

Abstract

The present invention relates to a payment agent processing method and system and a program recording medium for the same, the payment agent processing method according to the invention, the payment information and payment information from a predetermined terminal or device in a predetermined information receiving means; Receiving predetermined payment approval request information, and using the predetermined means for generating a predetermined payment using the payment means information and payment information included in the payment approval request information and the predetermined payment agency information for the payment processing; Generating a full text of an approval request and transmitting the generated payment approval request full text to a predetermined payment server in a predetermined text transmission means.

Payment, agency, processing

Description

Payment Agency Processing Method and Program Recording Medium for It {Method for Executing Payment and Program Recordig Medium}

1 is a diagram illustrating a card payment system configuration for a mobile affiliate store according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a wireless payment terminal for providing a card payment agent service for a mobile affiliate store according to an embodiment of the present invention.

3 is a diagram illustrating a payment approval request information structure for the card payment agent of the mobile merchant according to an embodiment of the present invention.

4 is a diagram illustrating an operation process of a wireless payment terminal according to an embodiment of the present invention.

5 is a diagram illustrating an operation of a relay server of a payment agency for a card payment agent of a mobile merchant according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a method of encrypting and transmitting payment approval request information in a symmetric key (or secret key) method in a wireless payment terminal according to an embodiment of the present invention.

7 is a diagram illustrating a method of decrypting payment approval request information encrypted and received by a relay server in a symmetric key (or secret key) manner according to an embodiment of the present invention.

8 is a diagram illustrating a method for encrypting and transmitting payment approval request information in a wireless key terminal in a public key based structure according to an embodiment of the present invention.

9 is a diagram illustrating a method for decrypting a payment approval request information encrypted and received by a relay server in a public key based structure according to an embodiment of the present invention.

10 is a diagram illustrating a method of encrypting and transmitting payment approval request information in an electronic envelope method in a wireless payment terminal 155 according to an embodiment of the present invention.

11 is a diagram illustrating a method for decrypting payment approval request information encrypted and received by a relay server according to an embodiment of the present invention by an electronic envelope method.

12A and 12B illustrate a method of encrypting and transmitting payment approval request information in a key exchange method in a wireless payment terminal according to an embodiment of the present invention.

13A and 13B illustrate a method of decrypting payment approval request information encrypted and received at a relay server by a key exchange method according to an embodiment of the present invention.

14 is a view illustrating a payment approval request specialized structure for the card payment agent of the mobile merchant according to an embodiment of the present invention.

15 is a diagram illustrating an operation process of the payment company 140 of the card company according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a relay server operation process of a payment agency for card settlement agency and settlement processing of a mobile affiliate store according to an embodiment of the present invention.

17 is a diagram illustrating a process of settlement of a card payment amount to a mobile affiliate store according to one embodiment of the present invention.

18 is a diagram illustrating a card payment system configuration for a mobile affiliate store according to another embodiment of the present invention.

19 is a diagram illustrating a functional configuration of a portable card terminal for providing a card settlement agent service for a mobile affiliate store according to an embodiment of the present invention.

20 is a diagram illustrating a payment approval request information structure for the card payment agent of the mobile merchant according to another embodiment of the present invention.

21 is a diagram illustrating an operation process of a portable card terminal according to another embodiment of the present invention.

FIG. 22 is a diagram illustrating an operation process of a relay server of a payment agency for a card settlement agent of a mobile affiliate store according to an exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a method for encrypting and transmitting payment approval request information in a symmetric key (or secret key) method in a portable card terminal according to an embodiment of the present invention.

FIG. 24 is a diagram illustrating a method of decrypting payment approval request information encrypted and received by a relay server using a symmetric key (or secret key) method according to an embodiment of the present invention.

FIG. 25 is a diagram illustrating a method for encrypting and transmitting payment approval request information in a public key infrastructure structure in a portable card terminal according to an embodiment of the present invention.

FIG. 26 illustrates a method for decrypting payment approval request information encrypted and received by a relay server using a public key infrastructure according to an embodiment of the present invention.

FIG. 27 is a diagram illustrating a method for encrypting and transmitting payment approval request information in an electronic envelope method in a portable card terminal according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a method of decrypting payment approval request information encrypted and received by a relay server using an electronic envelope method according to an embodiment of the present invention.

29A and 29B illustrate a method of encrypting and transmitting payment approval request information in a key exchange method in a portable card terminal according to an embodiment of the present invention.

30A and 30B illustrate a method of decrypting payment approval request information encrypted and received at a relay server by a key exchange method according to an embodiment of the present invention.

31 is a view illustrating a payment approval request specialized structure for the card payment agent of the mobile merchant according to another embodiment of the present invention.

32 is a diagram illustrating a payment server operating process of a card company according to another embodiment of the present invention.

33 is a diagram illustrating an operation of a relay server of a payment agency for card settlement agency and settlement processing of a mobile affiliate store according to another embodiment of the present invention.

FIG. 34 is a diagram illustrating an operation process of a relay server 100 of a payment agency for card settlement and settlement processing of a mobile affiliate store according to another embodiment of the present invention.

<Description of main parts of drawing>

100: relay server 105: information receiving unit

110: information transmission unit 115: settlement processing unit

120: professional generation unit 125: professional processing unit

130: information storage unit 135: storage medium

140: payment server 145: payment approval unit

150: payment settlement unit 155: wireless payment terminal

The present invention is a mobile merchant that is difficult to provide a card payment service, when the card payment through a predetermined wireless payment terminal provided in the mobile merchant, payment approval request information for the card payment processing through the predetermined wireless communication network When transmitted to a relay server provided in an agency, the relay server relates to a mobile merchant-based card payment system, characterized in that for generating a predetermined payment approval request message including the payment approval request information for the agency payment processing.

In order to provide a card payment service in an offline store, conditions such as a business registration certificate, a fixed store / store and a value added network (VAN) must be satisfied.

However, stores are temporarily opened in peak seasons and / or in specific areas, and / or stores open at specific times in special places (eg stalls, stalls, flea markets, market streets, etc.), and / Or stores that sell a variety of goods on a street and / or in a particular location (e.g., street discount temporary stores, etc.), and / or stores that always move and provide goods and / or services (e.g., vehicle-type stores) Etc.) and / or all commercial transactions (e.g., door-to-door sales, etc.) that occur temporarily at a particular place and / or street, and / or businesses that deliver on demand from various buyers and / or stores that need to be delivered (e.g., Mobile stores (and / or flowable stores) that include at least one or more food delivery, and the like, do not meet the conditions for providing such a card payment service. Give up and only offer payment by cash.

Such payment by cash includes the problem of failing to maintain a card payment customer at the mobile store (and / or flowable store) position, and the customer position using the mobile store (and / or flow store). Including a problem that causes inconvenience by not providing a card payment.

An object of the present invention is to receive predetermined payment approval request information including payment means information and payment information from a predetermined terminal or device, and the payment means information and payment information and payment included in the received payment approval request information. The present invention provides a payment agent processing method and system for generating a predetermined payment approval request full text using predetermined payment agency information for the processing, and transmitting the generated payment approval request full text to a predetermined payment server.

The settlement agent processing system according to the present invention comprises: information receiving means for receiving predetermined payment approval request information including payment means information and payment information from a predetermined wireless terminal (or portable terminal); Full text generation means for generating a predetermined payment approval request text using payment means information and payment information included in the payment approval request information and predetermined payment agency information for the payment processing; And specialized transmission means for transmitting the generated payment approval request message to a predetermined payment server.

In addition, the settlement agent processing system according to the present invention, information receiving means for receiving predetermined payment approval request information including payment means information and payment information from a predetermined network connection device connected to a wireless terminal (or portable terminal); Full text generation means for generating a predetermined payment approval request text using payment means information and payment information included in the payment approval request information and predetermined payment agency information for the payment processing; And specialized transmission means for transmitting the generated payment approval request message to a predetermined payment server.

According to the present invention, the settlement agent processing system may settle the purchase slip settlement amount corresponding to the full payment approval request full text to the settlement agency, and / or the payment slip among the purchase slip amount corresponding to the full payment approval request full text. And calculating settlement final settlement amount to be settled at the affiliated store requesting the processing and settlement processing of the calculated final settlement amount to the affiliated store.

On the other hand, the payment agent processing method according to the present invention, the predetermined information receiving means receiving a predetermined payment approval request information including payment means information and payment information from a predetermined terminal or device; Generating a predetermined payment approval request full text using payment means information and payment information included in the payment approval request information and predetermined payment agency information for the payment processing; And transmitting the generated payment approval request text in a predetermined text transmission means to a predetermined payment server.

According to the present invention, the settlement agent processing method, in a predetermined settlement processing means to settle the purchase document settlement amount corresponding to the payment approval request full text to the payment agency, and / or corresponding to the payment approval request full text Calculating a final settlement amount to be settled to the affiliated store requesting the payment processing among the settlement amount of the purchase slip, and further comprising settlement processing of the calculated final settlement amount to the affiliated store; It features.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the above-described settlement agent processing method recorded.

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 made based on the contents throughout the present invention.

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 easy to understand the functions 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 card payment system configuration for a mobile affiliate store according to an embodiment of the present invention.

In more detail, Figure 1 is a mobile merchant that is difficult to provide a card payment service, when the card payment through a predetermined wireless payment terminal 155 provided in the mobile merchant, payment approval request information for the card payment processing is predetermined When the transmission server is provided to the relay server 100 provided in the payment agency through a wireless communication network, the relay server 100 generates a predetermined payment approval request message including the payment approval request information to process the agency payment processing; As a mobile merchant-based card payment system characterized in that, those skilled in the art to which the present invention belongs, it will be able to infer a variety of card payment system configuration for the mobile merchant by referring to and / or modified in the drawing. As will be appreciated, the present invention includes all such inferred methods of implementation, and the present invention is not limited thereto.

Referring to Figure 1 according to an embodiment of the present invention, the card payment system for the mobile merchant, the wireless payment terminal 155 provided to at least one or more mobile merchants, the wireless payment terminal 155 and a predetermined wireless A relay server 100 connected through a communication network, receiving payment approval request information transmitted from the wireless payment terminal 155, generating a payment approval request message including the payment approval request information, and performing a proxy payment processing; A payment network for transmitting the payment approval request text generated in the relay server 100 to a predetermined payment server 140, and a payment server 140 performing a payment approval procedure included in the payment approval request text. Characterized in that made.

In this case, the mobile affiliate store does not have any requirements for providing a conventional card payment service (eg, a business registration certificate, a fixed store / store, a communication means for connecting with a Value Added Network (VAN), etc.), and offline. Characterized in that it comprises at least one or more stores and / or stores and / or stalls.

For example, the mobile franchise may be a store temporarily opened in a high season and / or a specific area, and / or a store open at a specific time in a special place (eg, a food stall, a street stall, a flea market, a street market, etc.) , And / or stores that sell various goods on a street and / or in a particular location (e.g., street bargain temporary stores, etc.), and / or stores that always move and provide goods and / or services (e.g., Vehicle-type stores, etc.), and / or all commerce (e.g., door-to-door sales, etc.) that occur temporarily at specific places and / or streets, and / or businesses that deliver and / or deliver to the needs of various buyers. (Eg, food delivery, etc.) may be included.

In addition, the payment agency is characterized in that for the at least one or more mobile merchants for the card payment service according to the present invention, for this purpose, the payment agency concludes a franchise contract for at least one mobile merchant and the card payment agency. Characterized in that.

In the franchise contract process between the payment agency and the at least one mobile merchant, the payment agency is unique information of the wireless payment terminal 155 corresponding to the wireless payment terminal 155 provided to the mobile merchant, and the wireless payment terminal 155 It characterized in that the mobile merchant financial account information for the settlement of the amount processed through the process of linking and storing in a predetermined database (not shown).

According to the implementation method of the present invention, the payment agency is characterized in that the card payment service requirements for the card payment agency as described above, the card payment generated in the wireless payment terminal 155 through the franchise agreement It is characterized by acting on the basis of the card payment service requirements of the payment agency.

That is, the payment agency corresponds to a bansa that must transmit the full payment approval request generated by the wireless payment terminal 155 when viewed from the wireless payment terminal 155 provided in the mobile merchant, and from the bansa perspective It corresponds to a special corporation corresponding to a merchant that has a card payment service requirement and transmits a predetermined payment approval request message to the bansa.

According to the exemplary embodiment of the present invention, the payment agency may be a bansa or a special corporation established by the bansa for the card settlement agency as described above, in which case the relay server 100 is the bansa It is preferable to include a bansa server for processing the card payment agent according to the present invention.

According to another exemplary embodiment of the present invention, the payment agency is a special merchant contracted with a predetermined bansa (for example, an affiliated store that provides a payment agent service for at least one mobile merchant) for the card settlement agency as described above. Or a special corporation (eg, a corporation that provides settlement service for at least one mobile affiliate store), in this case, the relay server 100 is connected to the bansa through a predetermined dedicated communication network, and It is desirable to be connected via a secure communication network that provides encryption / decryption functionality.

The wireless payment terminal 155 provided in the mobile affiliated store has a predetermined card reader (eg, an MS (Magnetic Stripe) reader and / or an integrated circuit (IC) reader, etc.), key input means, and wireless communication in hardware. Means, and the like, predetermined payment means information (e.g., card information read from a customer card) read through the card reader, and payment information (e.g., payment amount, And a predetermined payment approval request information including an installment month, and transmits the generated payment approval request information to the relay server 100 through the wireless communication means. .

According to an embodiment of the present invention, the wireless payment terminal 155 may be provided (or leased) from the payment agency to the mobile affiliate store in the process of signing a franchise agreement with the payment agency. The payment approval request information generated by the wireless payment terminal 155 is not the conventional bansa server (e.g., the bansa side server that receives the payment approval request information transmitted from one or more normal merchants specialized processing) It is preferred to be sent to 100.

According to the exemplary embodiment of the present invention, the payment approval request information generated by the wireless payment terminal 155 may include payment means information, payment information (eg, payment amount and installment months, etc.) obtained from a predetermined customer card; Mobile merchant information (eg, unique information for the wireless payment terminal 155) is preferably included.

In addition, the payment approval request information generated by the wireless payment terminal 155 preferably further comprises a predetermined serial number for the payment approval request information.

Preferably, the wireless payment terminal 155 and the relay server 100 are connected through a predetermined wireless communication network, and when the wireless communication network is an open network (eg, a third party access to a transmission / reception packet). The payment approval request information generated by the wireless payment terminal 155 is preferably encrypted and transmitted to the relay server 100, and the encrypted payment approval request information is preferably decrypted by the relay server 100. Do.

According to one embodiment of the invention, the wireless communication network preferably comprises a mobile communication network operating based on CDMA (Code Division Multiple Access), in this case the wireless communication means provided in the wireless payment terminal 155 The mobile communication network preferably has a function of connecting a communication channel for at least one professional transmission and reception with the relay server 100 through the mobile communication network.

According to another embodiment of the present invention, the wireless communication network preferably comprises a portable Internet operating based on IEEE 802.16x, in which case the wireless communication means provided in the wireless payment terminal 155 is the portable It is preferable to have a function of accessing the Internet, and a function of connecting a communication channel for at least one professional transmission and reception with the relay server 100 through the portable Internet.

According to another embodiment of the present invention, the wireless communication network preferably comprises a wireless LAN operating based on IEEE 802.11x, in this case the wireless communication means provided in the wireless payment terminal 155 is It is preferable to have a function of accessing a wireless LAN, and a function of connecting a communication channel for at least one professional transmission and reception with the relay server 100 through the wireless LAN.

Referring to FIG. 1, the relay server 100 receives an information receiving unit for receiving predetermined payment approval request information generated by the wireless payment terminal 155 through a predetermined wireless communication network connected to the wireless payment terminal 155. 105, a full text generation unit 120 for generating a predetermined payment approval request text including the received payment approval request information, and a predetermined payment server 140 through the bansa generated payment approval request text. And requesting the payment approval, and receiving the payment approval full text including the payment processing history corresponding to the payment approval request from the payment server 140 through the bansa and the payment approval And an information storage unit 130 for processing the mobile affiliate information and the settlement amount information corresponding to the payment approval and storing the information in the predetermined storage medium 135, and the payment approval text for the wireless communication network. It is characterized in that formed by an information transmission unit 110 for transmitting to the wireless payment terminal (155).

In addition, the relay server 100, when a predetermined settlement amount is deposited to the settlement agency through a predetermined financial system in order to settle the settlement amount corresponding to the settlement approval in the card company provided with the settlement server 140, And a settlement processing unit 115 for processing the settlement amount to the mobile affiliate store through a predetermined financial system based on the mobile affiliate store information and the settlement amount information stored in the storage medium 135.

The information receiver 105 is connected to a predetermined wireless communication network connected to the wireless payment terminal 155 and receives at least one payment approval request information from at least one wireless payment terminal 155 through the wireless communication network. It is characterized in that it comprises a functional configuration, if the payment approval request information generated in the predetermined wireless payment terminal 155 is transmitted through the wireless communication network, characterized in that for receiving it.

According to the exemplary embodiment of the present invention, when the payment approval request information transmitted from the wireless payment terminal 155 is encrypted through at least one encryption method, the information receiving unit 105 receives the received payment approval request information. It is preferable to decrypt through a decryption method corresponding to the encryption method.

The full text generation unit 120 generates a predetermined payment approval request full text including payment approval request information received (and / or received and decrypted) through the information receiving unit 105. The full payment approval request is characterized in that the payment agency information is included in place of the mobile merchant information.

In this case, the mobile affiliate store information included in the payment approval request information is a wireless agent provided in the wireless payment terminal 155 that the payment agency concludes a franchise agreement with the mobile affiliate store and provides the mobile affiliate store according to the contract conclusion. The payment terminal 155 is characterized by including the unique information.

According to the exemplary embodiment of the present invention, the mobile merchant information included in the payment approval request information preferably includes the same data structure as the merchant information included in the conventional payment approval request information.

Further, the payment agency information included in the payment approval request message generated based on the payment approval request information is information for causing the payment approval request for the payment approval request message to be processed by the payment agency for payment approval request. As, the payment agency information is characterized in that it comprises the same data structure as the merchant information included in the conventional payment approval request full text, thereby payment server 140 (or bansa server) receiving the payment approval request full text The payment approval request is recognized as requested by the payment agency.

That is, the card company provided with the payment server 140, the settlement amount corresponding to the payment amount included in the payment approval request full text when the payment approval corresponding to the payment approval request text by the payment agency information generated as described above (E.g., the amount excluding the credit card company fee from the payment amount) is settled and deposited into the payment agency.

According to an exemplary embodiment of the present invention, when a predetermined serial number is previously included in the payment approval request information, the serial number is not valid for the card payment agent (for example, the wireless payment terminal 155 may be configured to perform the above. When the document serial number included in the payment approval request information is used only for the settlement processing between the mobile affiliate store and the payment agency, the full text generation unit 120 is effective for the card settlement agent (eg, the payment agency settles between the card companies). It is preferable to generate a predetermined document serial number, which will be used for processing, and to include it in the full text of the payment approval request.

If the document serial number previously included in the payment approval request information is valid for the card settlement agent, the full text generation unit 120 may omit the process of generating the document serial number, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, when the payment approval request information does not include a predetermined document serial number, the full text generation unit 120 is effective for the card payment agent (eg, the payment agency between card companies) It is preferable to generate a predetermined document serial number to be used for the settlement process and include it in the full text of the payment approval request.

The specialized processing unit 125 transmits the generated payment approval request message to the predetermined payment server 140 through the bansa when the predetermined payment approval request text is generated by the special text generation unit 120, and approves the payment. Characterized in that request.

According to an exemplary embodiment of the present invention, the specialized processing unit 125 receives the predetermined payment approval request message received from a predetermined bansa server (eg, a payment terminal provided in a conventional normal affiliated store). Bansa server to relay transmission to the payment server 140), and then the bansa server is the same as the full payment approval request message received from the payment terminal provided in the conventional normal merchants request for payment approval Through the process, the transmission of the payment approval request message is relayed to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request message.

According to another exemplary embodiment of the present invention, the specialized processing unit 125 is the payment approval to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request message replaced with the payment agency information. It is possible to transmit the full text request, in this case the relay server 100 is to perform the function of the bansa server provided in the bansa.

The specialized processing unit 125 may receive a payment approval message including a payment processing history corresponding to the payment approval request from the payment server 140 through the bansa.

According to an embodiment of the present invention, the payment approval request message replaced with the payment agency information is received by a predetermined bansa server (for example, a payment approval request message transmitted from a payment terminal provided in a conventional normal affiliated predetermined payment server ( When the transmission is performed to the payment server 140 through a bansa server relaying to the server 140, the specialized processing unit 125 processes the payment corresponding to the payment approval request from the payment server 140 through the bansa server. It is desirable to receive the full payment approval statement including the details.

According to another embodiment of the present invention, when the payment approval request message replaced with the payment agency information is directly transmitted from the relay server 100 to the payment server 140, the specialized processing unit 125 is the payment server. It is preferable to receive a payment approval text including a payment processing history corresponding to the payment approval request from 140.

According to the exemplary embodiment of the present invention, the payment processing details included in the received payment approval text may include payment approval details or payment error details.

If the payment processing details included in the payment approval full text includes the payment approval details, the information storage unit 130 is the mobile approval information (for example, the payment approval request message received through the information receiving unit 105). Mobile merchant information included in the) and the predetermined settlement amount information is characterized in that stored in the predetermined storage medium 135.

According to the exemplary embodiment of the present invention, the mobile affiliated store information preferably includes unique information of the wireless payment terminal 155 included in the full payment approval request received through the information receiving unit 105.

In addition, the mobile merchant information is a document serial number included in the full payment approval request in the wireless payment terminal 155, and / or replaced by (or included) the full payment approval request by the specialized processing unit 125 It is preferable that the serial number is further included.

According to an exemplary embodiment of the present invention, the settlement amount information stored in the storage medium 135 in association with the mobile affiliate store information includes payment amount information included in the full payment approval request, and / or The payment amount includes the amount excluding the card company fee, and / or the payment amount includes the amount excluding the bansa fee, and / or the payment amount includes the amount excluding the payment agency fee. desirable.

By purchasing a document corresponding to the full payment approval request from a card company (or a purchase agent) equipped with a payment server 140 that has approved the card payment (for example, by confirming a document serial number corresponding to the full payment approval request) ), When the card company (or the purchase company) has settled a predetermined settlement amount (for example, the amount excluding the card company fee among the settlement amount) for the settlement amount included in the full payment approval request, the settlement amount is the document Deposits are made to the payment agency through a predetermined financial system including a serial number.

The financial system is a financial computer system in which the credit card company (or slip purchase company) financial account and the settlement agency financial account are opened for the settlement processing, and the settlement amount is set by the credit card company (or through the financial system). Document purchase company) characterized in that the withdrawal from the financial account is processed (or account transfer) to the payment agency financial account.

In the technical field to which the present invention pertains, a process in which the settlement amount is settled through the financial system (for example, the settlement amount is withdrawn from the credit card company (or slip purchase company) financial account and the settlement agency) The process of depositing directly (or account transfer) into a financial account, or the settlement amount is withdrawn from the credit card company (or voucher purchaser) financial account and directly deposited into the payment agency financial account (or account transfer) through the bansa account. Etc.), so a detailed description thereof will be omitted for convenience.

When the settlement amount according to the card settlement agent is deposited to the settlement agency, the settlement processing unit 115 transfers the mobile merchant information stored in the storage medium 135 (for example, the document serial number included in the settlement approval request text). It is characterized in that for confirming the mobile merchant corresponding to the settlement amount through.

If the mobile merchant corresponding to the settlement amount is confirmed, the settlement processing unit 115 is processed from the storage medium 135 to the mobile affiliate store based on the settlement amount information stored in association with the mobile affiliate store information. A predetermined settlement amount to be settled is identified, and the settlement settlement amount is settled to the mobile affiliated store through a predetermined financial system.

According to the embodiment of the present invention, the settlement amount processed by the settlement processing unit 115 to the mobile merchant stores the card company fee, the bansa fee and the payment agency fee from the payment amount included in the payment approval request. Corresponding.

For example, when the settlement amount information stored in the storage medium 135 includes the card company fee, the bansa fee, and the payment agency fee in the settlement amount included in the full payment approval request, the settlement processing unit 115 is configured to perform the settlement. By extracting the settlement amount information linked to the mobile merchant information from the storage medium 135, the settlement agency checks the predetermined settlement amount to be settled to the mobile merchant.

Alternatively, when the settlement amount information stored in the storage medium 135 does not include the card company fee, the bansa fee, and the payment agency fee in the settlement amount included in the full payment approval request, the settlement processing unit 115. Extracts settlement amount information linked to the mobile affiliate store information from the storage medium 135 and subtracts at least one fee from the extracted settlement amount information to perform settlement processing from the settlement agency to the mobile affiliate store. Confirm the predetermined settlement amount.

Thereafter, the settlement processing unit 115 setstles the settlement amount to the mobile affiliate store through a predetermined financial system based on the mobile affiliate financial account information secured in the franchise contract process between the settlement agency and the mobile affiliate store. It is done.

The financial system is a financial computer system in which the payment agency financial account and the engineering merchant financial account are opened for the settlement processing, and the settlement amount is withdrawn from the payment agency financial account through the financial system. It is characterized in that the deposit (or account transfer) processing to the mobile merchant financial account.

Those skilled in the art to which the present invention pertains will be familiar with the process of settlement of the settlement amount through the financial system, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 1, the payment server 140 that processes the payment approval for the payment approval request message transmitted from the relay server 100 may include a card company (eg, a card company corresponding to the payment means information included in the payment approval request message). And a card company that issues a card having at least one payment method to the card payment customer), receives at least one full payment approval request message through a predetermined payment network, and receives the full text of the payment approval request message. By reading and performing a payment approval procedure for the corresponding payment approval request, a payment processing history including a predetermined payment approval history or a payment error history is generated, and the predetermined payment approval information including the payment processing history is generated. And a payment approval unit transmitting through a payment network. Predetermined card information and limit information for each card (e.g., if the payment method information included in the full text of the payment approval request corresponds to the credit card payment method, credit limit information for the credit card, or When the payment method information included in the payment approval request text corresponds to the check / debit card payment method, the financial account information (or the financial account balance information) associated with the check / debit card is managed by linking and managing. It is done.

According to the embodiment of the present invention, when the payment approval request requested through the payment approval request message is approved in the process of performing the payment approval process, the payment approval unit is included in the payment approval request message. The document serial number may be managed until a document corresponding to the full text of the payment approval request is purchased and / or a settlement amount corresponding to the full text of the payment approval request is completed until the settlement process is completed.

Those skilled in the art to which the present invention pertains correspond to the credit card payment means, and / or the check card payment means and / or the debit card payment means. Since you will be familiar with the technical features of the payment approval unit for performing the payment approval procedure, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment server 140 is included in the full text of the payment approval request, when the payment approval request requested through the full text of the payment approval request is approved in the process of performing the payment approval process. Purchase and process a document corresponding to the full payment approval request through a document serial number (or when a document corresponding to the document serial number is purchased through a predetermined document purchase company), and a predetermined payment amount corresponding to the purchased document And a payment settlement unit 150 configured to calculate a predetermined settlement amount from and settle the calculated settlement amount through a predetermined financial system.

If a person having ordinary knowledge in the technical field to which the present invention pertains, the document corresponding to the full text of the payment approval request is processed for purchase (or a document corresponding to the document serial number is purchased through a predetermined document purchase company), and Since you will be familiar with the technical features of the payment settlement unit 150 that processes the predetermined settlement amount corresponding to the purchased slip, a detailed description thereof will be omitted for convenience.

2 is a diagram illustrating a functional configuration of a wireless payment terminal 155 for providing a card settlement agent service for a mobile affiliate store according to an embodiment of the present invention.

In more detail, Figure 2 is an embodiment of a wireless payment terminal 155 having a payment mode for a card payment agent service for a mobile merchant, if one of ordinary skill in the art to which the present invention belongs By referring to and / or modifying FIG. 2, various wireless payment terminal 155 function configurations for a card payment agency service for a mobile merchant may be inferred, but the technical features of the present invention are limited to this FIG. 2. It is to be understood that the present invention includes all implementation methods deduced.

Referring to FIG. 2, the wireless payment terminal 155 having a payment mode for a card payment agent service for a mobile affiliate store basically includes a control unit 205, a memory unit 250, a card reader unit 210, and a key input unit. And a power supply unit 225 for supplying power to the screen output unit 215, the wireless communication unit 230, the security application module 235, the print output unit 240, and the wireless payment terminal 155. And at least one terminal function unit (not shown) according to the intention of the skilled person.

The control unit 205 controls the overall operation of the wireless payment terminal 155 in the functional configuration, manages the flow of information or data between each component, the wireless payment terminal 155 for card payment agency processing for the mobile merchant At least one processor and an execution memory (for example, a register) including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware and at least one component included in the And / or a RAM (Random Access Memory) and a bus for inputting and outputting predetermined data, and predetermined recording for performing a function specific to the wireless payment terminal 155 in software. Certain program routines and / or programs which are loaded from the medium into the execution memory and computed by the processor. Functions included in a predetermined program recorded on a recording medium provided in the wireless payment terminal 155, and / or the wireless payment terminal 155, including gram data (hence, for card payment processing for the mobile affiliate store). In the configuration, the components that can be processed by software are shown in the control unit 205).

According to an exemplary embodiment of the present invention, the controller 205 may be configured with components (eg, the memory unit 250, the card reader unit 210, the key input unit 220, and the screen) provided in the wireless payment terminal 155. The wireless payment terminal by interworking the output unit 215, the wireless communication unit 230, the security application module 235 and the print output unit 240 and / or the terminal functional unit (not shown) according to the intention of those skilled in the art) Controlling and managing the provision of the electronic payment service defined in (155), as well as interworking the components provided in the wireless payment terminal 155 for the card payment agency service for the mobile merchant according to the present invention It is preferable to execute a program recorded on a recording medium provided in the wireless payment terminal 155 for controlling and / or for a card payment agent service for the mobile affiliate store.

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 wireless payment terminal 155 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It comprises one or more storage means, the control unit 205 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the exemplary embodiment of the present invention, the memory unit 250 preferably stores specific information of the predetermined wireless payment terminal 155 corresponding to the wireless payment terminal 155, and the wireless payment terminal 155 The unique information is preferably included in predetermined payment approval request information generated by the wireless payment terminal 155.

The customer receiving the card payment agency service for the mobile merchant according to the present invention through the wireless payment terminal 155, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC 7816 standard Possesses (or owns) a contact IC card (or wireless IC chip) and / or a card including at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 standard, The card reader unit 210 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 210 may include an MS reader unit that provides an interface between the MS card and the wireless payment terminal 155, and / or the contact IC card and the wireless payment terminal ( 155) a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the wireless payment terminal 155.

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 by interfacing the predetermined information or data to the wireless payment terminal 155 from at least one track (Track) provided in the MS of the MS card 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 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 wireless payment terminal 155.

The contactless IC reader part is a card reader part 210 based on ISO / IEC 14443. The contactless IC reader part uses at least an 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 wirelessly transfers predetermined information or data from the IC chip through the half duplex transaction using APDU. It is characterized in that the interface to the payment terminal (155).

According to an embodiment of the present invention, the card reader unit 210 may provide predetermined card information (eg, a card to a card) from at least one or more card reader units 210 for an electronic payment service defined in the wireless payment terminal 155. Credit card, check card, debit card, cash card, payment means information corresponding to the payment means including at least one or more) is preferably read, and also the card payment agent for the mobile merchant according to the present invention It is preferable to read predetermined payment means information from at least one card for the service.

According to the exemplary embodiment of the present invention, the payment means information includes credit card payment means information including predetermined credit card information, or check card payment means information including check card information, or debit card payment including debit card information. Preferably, the method comprises at least one or more of prepaid card payment means information including means information or prepaid card information.

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 a predetermined key, and is provided to the key input device in a specific input mode and / or an operation mode of the wireless payment terminal 155 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 controller 205 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless payment terminal 155, and / or is matched with the key event and defined. And obtaining a command for executing 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 wireless payment terminal 155.

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

According to an exemplary embodiment of the present invention, the key input unit 220 may use key data corresponding to the electronic payment service (eg, payment) from at least one or more key input devices for the electronic payment service defined in the wireless payment terminal 155. It is preferable to perform the function of the key input means for receiving the amount, etc., and also in the process of providing a card payment agent service for the mobile merchant from the key input device for the card payment agent service for the mobile merchant according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 220 may be configured to change the operation mode of the wireless payment terminal 155 to the mobile affiliated store according to the present invention in an initial mode and / or a general payment mode. It is desirable to have a key button for switching to the payment mode for the card payment agency service.

The screen output unit 215 may be a liquid crystal display (LCD) and / or a CRT (or LCD) by the controller 205 while the wireless payment terminal 155 performs a predetermined function (for example, an electronic payment processing function). And at least one information or data that is predefined or defined in real time to be output to a predetermined output device including a Cathode Ray Tube) through a predefined interface screen, wherein the screen output unit 215 ) And the screen output device interoperate with each other to perform the function of the screen output means provided in the wireless payment terminal 155.

The predefined information or data to be output from the wireless payment terminal 155 to the screen output device is provided in the key data input through the key input unit 220 and / or in the wireless payment terminal 155. Information (or data) stored or generated by a component, information (or data) transmitted / received through the wireless communication unit 230, and / or a predetermined operation result performed by the wireless payment terminal 155 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 215 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the wireless payment terminal 155. It is preferable to perform a function of a screen output means, and also outputs a processing screen corresponding to the step of providing a card payment agent service for the mobile affiliate store to the screen output device for the card payment agent service for the mobile affiliate store according to the present invention. It is preferable to perform the function of the screen output means.

The wireless communication unit 230 for transmitting and receiving information to and from the relay server 100 that is connected through a predetermined wireless communication network during the wireless payment terminal 155 performs a predetermined function (for example, electronic payment processing function) It provides a wireless communication means for connecting a communication channel, comprising a communication protocol and / or driver for connecting the communication channel (or communication session) in software.

When the wireless communication network connected to the wireless payment terminal 155 is a CDMA stack-based mobile communication network according to an exemplary embodiment of the present invention, the wireless communication unit is connected to the control unit 205 to register location and / or slot mode. Mode and / or It is desirable to provide a mobile communication service including a power control and / or hand-off and / or call processing procedures, and provides the mobile communication service In addition, the RF processing function (eg, antenna control, radio frequency signal modulation, synthesis, amplification, and / or filtering) for transmitting and receiving radio frequency signals with a base station corresponding to an end of a mobile communication network may be further included. Is done. In particular, the wireless communication unit processes the information or the signal transmitted from the wireless payment terminal 155 to the base station in the CDMA stack to provide the mobile communication service, or predetermined information or signal from the CDMA stack received from the base station. It provides a function for reading the.

In this case, the wireless payment terminal 155 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless communication unit, and the relay server provided to the payment agency through a predetermined wired section including the base station. It is preferable to connect the communication channel 100 with a predetermined communication channel.

Those skilled in the art to which the present invention belongs, if the wireless communication network connected to the wireless payment terminal 155 is the IEEE 802.16x-based portable Internet, or IEEE 802.11x-based wireless LAN, the portable Internet or Since the WLAN may infer a preferred method of implementing the wireless communication unit for connecting a predetermined communication channel with the relay server 100, a detailed description thereof will be omitted for convenience.

The secure application module 235 (SAM) is a confidentiality and / or authentication (required in the process of performing the electronic payment and / or electronic payment by the wireless payment terminal 155 using the card ( Security requirements, including Authentication and / or Integrity and / or Nonrepudiation, may be stored in the wireless payment terminal 155 without using an authentication server (or relay server 100) on a payment network. As a safety device for performing in a secure and reliable structure in the, the wireless payment terminal 155 is a predetermined message that is processed in the process of performing a predetermined security request function (for example, electronic payment and / or electronic payment function) ( Information or data), add an authenticator to prevent forgery (or tampering) of the message, or perform the security request function. It characterized in that it performs the function of storing the 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 wireless payment terminal 155 to perform a predetermined security request function) Etc.) and / or keys (e.g. one master key and at least one application key) and / or protocols (e.g. trading protocols, re-transaction protocols, previous 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 may process the wireless payment terminal 155 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data (for example, payment processing result information) generated as a result. Or data) to a predetermined printing device (eg, a receipt printer), and a printing protocol and a driver for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. It is made to include.

Referring to FIG. 2, the wireless payment terminal 155 provides a card payment agent service for a mobile affiliate store according to the present invention, and an operation mode of the wireless payment terminal 155 is a card payment agent for the mobile affiliate store. A mode check unit 255 for confirming whether the payment mode corresponds to a service, and when the operation mode of the wireless payment terminal 155 is the payment mode, the card reader unit 210 receives the payment from the customer card. Reading and inputting predetermined payment means information for a card payment agency service for a mobile merchant, and / or payment for a card payment agency service for the mobile merchant from a predetermined key input means through the key input unit 220. An information input unit 260 for inputting information (for example, a payment amount and an installment month), and the payment means information and payment inputted through the information input unit 260; An information generation unit 265 for generating payment approval request information including information; and an information transmission unit 270 for transmitting the generated payment approval request information to the relay server 100 through the wireless communication unit 230; And receiving payment approval information including payment processing details corresponding to the payment approval request information from the relay server 100 through the wireless communication unit 230, and displaying the payment processing details included in the payment approval information on the screen. And an information processing unit 275 for outputting the screen through the output unit 215 and / or printing the output through the print output unit 240.

The mode checking unit 255 checks whether the operation mode of the wireless payment terminal 155 periodically (or in response to the payment mode switch key event) is a payment mode corresponding to a card payment agent service for the mobile affiliate store. Characterized in that.

If the check result is that the operation mode of the wireless payment terminal 155 is not the payment mode, the wireless payment terminal 155 performs the conventional electronic payment processing function, while the operation mode of the wireless payment terminal 155 is When the payment mode is confirmed, the mode confirmation unit 255 outputs the payment mode confirmation result through the screen output unit 215, and then provides the information to the information input unit 260.

The information input unit 260 is a card payment agent for the mobile merchant from the customer card through the card reader 210 to process the electronic payment corresponding to the payment mode for the card payment agency service for the mobile merchant Characterized in that the predetermined payment means information for the service to read and input, the input payment means information is provided to the information generating unit 265.

In addition, the information input unit 260 to the mobile affiliate store from the predetermined key input means through the key input unit 220 to process the electronic payment corresponding to the payment mode for the card payment agency service for the mobile affiliate store. Characterized in that the payment information for the card payment agent service for inputting, the input payment information is provided to the information generating unit 265.

The information generation unit 265 generates payment approval request information including the payment means information and payment information input through the information input unit 260, and the information includes the payment approval request information. Provided to the transmission unit 270.

According to an embodiment of the present invention, the information generating unit 265 preferably includes the wireless payment terminal 155 unique information stored in the memory unit 250 as the mobile affiliate information in the payment approval request information. .

In addition, the information generation unit 265 generates a predetermined document serial number for the settlement processing for the settlement amount corresponding to the payment amount included in the payment agency and the payment information to include in the payment approval request information. desirable.

The information transmitting unit 270 transmits the payment approval request information generated by the information generating unit 265 to the relay server 100 through the wireless communication unit 230. The relay server 100 performs a predetermined payment processing procedure for providing a card settlement agent service for the mobile affiliate store through the payment approval request information, and then the payment approval details or payment errors corresponding to the payment processing result. A payment processing history corresponding to any one of the details is generated, and predetermined payment approval information including the payment processing history is generated and transmitted to the wireless payment terminal 155 through the payment network.

According to the exemplary embodiment of the present invention, when the wireless communication network to which the wireless communication unit 230 is connected is an open network (eg, a network where a third party can access a transmission / reception packet), the information transmission unit 270 may provide the information. Preferably, the payment approval request information generated by the generation unit 265 is encrypted by at least one or more encryption methods and transmitted to the relay server 100 through the wireless communication unit 230, and the encrypted payment approval request information Is decrypted by the relay server 100.

After the payment approval request information is transmitted to the relay server 100 through the information transmitter 270, the information processing unit 275 transmits the relay server 100 on the payment network through the wireless communication unit 230. Periodically (or in response to an information receiving event of the wireless communication unit 230), the payment approval information including the payment processing history corresponding to the payment approval request information is received from the terminal.

If payment approval information including payment processing details corresponding to the payment approval request information is received through the wireless communication unit 230, the information processing unit 275 may include payment processing details (eg, included in the payment approval information). Payment approval details, or payment error details) is output through the screen output unit 215, and / or through the print output unit 240, characterized in that for outputting, thereby to the mobile affiliated store The electronic payment procedure for the card payment agent service is completed.

3 is a diagram illustrating a payment approval request information structure for the card payment agent of the mobile merchant according to an embodiment of the present invention.

In more detail, Figure 3 illustrates a payment approval request information structure generated for a card payment of a mobile merchant in a predetermined wireless payment terminal 155, specifically, read from a customer card in the wireless payment terminal 155. When the payment means information includes credit card information, the payment approval information structure generated for the card payment agent of the mobile merchant based on the credit card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to correspond to each payment means information (e.g., check card, debit card, prepaid card, etc.) as intended by those skilled in the art. It will be possible to infer a variety of payment approval request information structure for the card payment agent of the mobile merchant, the present invention includes all the inferred implementation method, the payment approval request information structure is limited to that illustrated in Figure 3 It never happens.

Referring to Fig. 3, the payment approval request information structure includes two-byte transaction identification information, 10-byte terminal_ID information, 19-byte (or 16-byte) card number information, and 4-byte validity period. Information, two-byte installment number of months information, nine-byte length total amount information, nine-byte length service fee information, and six-byte length document serial number information.

Those skilled in the art to which the present invention pertains can clearly understand the details of each information included in the payment approval request information based on the contents shown in FIG. Description is omitted.

According to an exemplary embodiment of the present invention, the terminal_ID information in the payment approval request information includes specific information of a predetermined wireless payment terminal 155 corresponding to the wireless payment terminal 155, and unique to the wireless payment terminal 155. The information (mobile merchant information) is replaced by payment agency information in the relay server 100 that has received the payment approval request information.

In addition, the document serial number information in the payment approval request information includes a predetermined document serial number generated by the wireless payment terminal 155, is used for settlement processing between the mobile merchant and the payment agency, the mobile merchant It is replaced by a predetermined document serial number generated by the payment agency in the relay server 100 for the card payment agency for.

According to another exemplary embodiment of the present invention, the document serial number information of the payment approval request information generated by the wireless payment terminal 155 may be omitted, and the present invention is not limited thereto.

4 is a diagram illustrating an operation of the wireless payment terminal 155 according to an embodiment of the present invention.

More specifically, Figure 4 is a wireless payment terminal 155 shown in Figure 2 on the card payment system shown in Figure 1 as a preferred operating process for the card payment agency service of the mobile merchant according to the present invention In the technical field to which the present invention pertains, various operation processes of the wireless payment terminal 155 for the card payment agent service of the mobile merchant according to the present invention by referring to and / or modifying the drawing 4 It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the wireless payment terminal 155 shown in FIG. 2 for the card payment agent service of the mobile merchant according to the present invention is a payment means information (for example, credit card information) from a customer card through a predetermined card reader. Reading credit card payment method information, or check card payment method information including check card information, or debit card payment method information including debit card information, or prepaid card payment method information including prepaid card information). In operation 400, payment information including a payment amount and an installment month is input through a predetermined key input means.

Thereafter, the wireless payment terminal 155 extracts unique information of the wireless payment terminal 155 to be included in the payment approval request information shown in FIG. 3 from the memory unit, and also the payment approval request information shown in FIG. A document serial number to be included is generated (405).

When at least one or more information to be included in the payment approval request information is secured as described above, the wireless payment terminal 155 is the payment means information, payment information, wireless payment terminal 155 unique information and the document serial number as shown in FIG. Generate payment approval request information including a (410).

If encryption processing for the generated payment approval request information is not necessary (for example, if the wireless communication network to which the wireless payment terminal 155 is connected is a closed network) 415, the wireless payment terminal 155 The payment approval request information is transmitted to the relay server 100 provided in the payment agency through a wireless communication network (420).

On the other hand, if encryption processing for the generated payment approval request information is necessary (for example, if the wireless communication network to which the wireless payment terminal 155 is connected is an open network (a network capable of third party access to transmission and reception packets)) The wireless payment terminal 155 performs an encryption procedure for the payment approval request information (425).

According to an embodiment of the present invention, the encryption procedure for the payment authorization request information may include secret key (or symmetric key) based encryption, and / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange. It is preferable to include at least one or more of the base encryption.

If the encryption procedure for the payment approval request information is completed (430), the wireless payment terminal 155 is the encrypted payment approval request information to the relay server 100 provided in the payment agency through the wireless communication network Transmit (435).

After transmitting the payment approval request information to the relay server 100 provided in the payment agency as described above, the wireless payment terminal 155 includes a payment processing history corresponding to the payment approval request information through the wireless communication network. In step 440, the predetermined payment approval information is received.

If predetermined payment approval information including payment processing details corresponding to the payment approval request information is received through the wireless communication network (445), the wireless payment terminal 155 is a payment included in the received payment approval information The processing history is output to the screen output means provided in the wireless payment terminal 155, and / or to the print output means provided in the wireless payment terminal 155 (450).

5 is a diagram illustrating an operation process of the relay server 100 of the payment agency for the card payment agent of the mobile merchant according to an embodiment of the present invention.

In more detail, FIG. 5 shows the payment approval request information shown in FIG. 3 through the process shown in FIG. 4 in the wireless payment terminal 155 shown in FIG. When the transmission to the relay server 100 provided in the payment agency on the receiving, the relay server 100 receives the payment approval request information as to the preferred operating process for the card payment agent service of the mobile merchant according to the present invention. If a person of ordinary skill in the art to which the present invention pertains, various operations of the relay server 100 for the card payment agent service of the mobile merchant according to the present invention by referring to and / or modifying the figure 5 It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 5, the payment approval request shown in Figure 3 through the process shown in Figure 4 in the wireless payment terminal 155 shown in Figure 2 for the card payment agency service of the mobile merchant according to the present invention When generating and transmitting the information, the relay server 100 receives the payment approval request information through the wireless communication network and checks whether the received payment approval request information is decoded (500).

According to the embodiment of the present invention, if the received payment approval request information is encrypted through at least one encryption method in the wireless payment terminal 155, the encrypted payment approval request information is a predetermined corresponding to the encryption method. It is preferable to decrypt through a decoding method.

If the received payment approval request information is not decrypted (eg, if the received payment approval request information is not encrypted in the wireless payment terminal 155) (505), the relay server 100 may request the payment approval request. The wireless payment terminal 155 included in the information is replaced with the payment agency information (520).

On the other hand, if it is necessary to decrypt the received payment approval request information (eg, if the received payment approval request information is encrypted through at least one encryption method in the wireless payment terminal 155) (505), the relay server 100 ) Performs the decryption procedure for the encrypted payment approval request information (510), and when the decryption procedure for the encrypted payment approval request information is completed (515), the relay server 100 is the payment approval request information Generates a predetermined payment approval request message including the payment agency information (520), and transmits the generated payment approval request message to the predetermined payment server 140 through the predetermined bansa; (525).

According to the exemplary embodiment of the present invention, the relay server 100 receives a predetermined payment approval request message sent from a payment terminal provided at a predetermined bansa server (for example, a conventional normal affiliated store). Bansa server to relay transmission to the payment server 140), and the bansa server after the payment approval request the same information as the full payment approval request received from the payment terminal provided in the normal merchants Through the process, the transmission of the payment approval request message is relayed to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request message.

According to another exemplary embodiment of the present invention, the relay server 100 is the payment approval to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request text replaced with the payment agency information. It is possible to transmit the full text request, in this case the relay server 100 is to perform the function of the bansa server provided in the bansa.

6 is a diagram illustrating a method of encrypting and transmitting payment approval request information in a symmetric key (or secret key) method in the wireless payment terminal 155 according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an embodiment of the present invention, which encrypts and transmits the payment approval request information by a symmetric key (or secret key) method in the wireless payment terminal 155 having the encryption function as shown in FIG. In the art to which the present invention pertains, the payment approval request information is transmitted to the wireless payment terminal 155 on the wireless communication network in a symmetric key (or secret key) manner by referring to and / or modifying the present invention. Various implementation methods of encryption may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 6 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate (or security application module) provided in the wireless payment terminal 155, the public certificate ( Alternatively, the security application module is stored in a predetermined memory unit provided in the wireless payment terminal 155, and / or an IC chip (or IC) of ID-000 type mounted on or detached from the wireless payment terminal 155. Card) and / or stored in an IC card inserted into the IC card reader when the wireless payment terminal 155 has a predetermined IC card reader, and the present invention is not limited thereto. No.

According to another embodiment of the present invention, the symmetric key (or secret key) is stored in the memory unit 250 provided in the wireless payment terminal 155 in addition to the public certificate (or security application module), and / or relay It may be included in the interface screen provided from the server 100 to the wireless payment terminal 155, and / or embedded in a communication program communicating with the relay server 100 on the wireless payment terminal 155. By this, the semi-invention is not limited.

Referring to FIG. 6, the information generating unit 265 of the wireless payment terminal 155 includes a predetermined payment means information, payment information, a specific payment approval request including a unique information of the wireless payment terminal 155 and a serial number of a document. When the information is generated, it is provided to the information transmitting unit 270 (600). If the payment approval request information is provided, the information transmitting unit 270 is an official certificate provided in the wireless payment terminal 155. (Or a security application module) reads a predetermined symmetric key (or secret key) for encrypting payment approval request information (605), and encrypts the payment approval request information through the read symmetric key (or secret key). 610.

Here, the encryption function of the information transmitter 270 is called E (Encryption), the symmetric key (or secret key) is k (key), the payment approval request information is P (Plaintext), and the symmetric key ( Or, if the payment approval request information encrypted with a secret key) C (Ciphertext), the encryption function of the information transmission unit 110 can be expressed by a formula such as "Ek (P) = C".

According to the exemplary embodiment of the present invention, the algorithm for encrypting the payment approval request information through the symmetric key (or secret key) by the information transmitter 270 may include SEED, DES (Data Encryption Standard), Triple-DES, At least one of Skipjack and International Data Encryption Algorithm (IDEA) is preferably included. Various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When payment approval request information is encrypted through a symmetric key (or secret key) as described above, the wireless communication unit sends the encrypted payment approval request information to the relay server 100 through a communication protocol defined on the wireless communication network. Transmit (615).

7 is a diagram illustrating a method of decrypting the payment approval request information encrypted and received by the relay server 100 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a symmetric key (or secret) of the payment approval request information encrypted and received from the wireless payment terminal 155 having the encryption function as shown in FIG. 2 in the relay server 100 as shown in FIG. The method of decrypting by a key) method, and if there is a general knowledge in the technical field to which the present invention pertains, the encryption in the wireless payment terminal 155 on the wireless communication network by referring to and / or modified with reference to FIG. Various implementation methods for decoding the received payment approval request information by a symmetric key (or secret key) method may be inferred, but the present invention includes all the inferred implementation methods and is limited to the implementation method shown in FIG. Not.

In this figure 7 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate (or security application module) provided in the relay server 100, the public certificate (or Security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, by which the present invention is not limited.

Referring to FIG. 7, the information receiving unit 105 of the relay server 100 receives the encrypted payment approval request information through the wireless communication network and provides the encrypted payment approval request information to the full text generation unit 120 (700). The authorization request information is preferably received through a communication protocol stack defined in the wireless communication network.

Thereafter, the full text generation unit 120 extracts a predetermined symmetric key (or secret key) for decrypting the encrypted payment approval request information from the authorized certificate (or security application module) provided in the relay server 100. In step 705, the encrypted payment approval request information is decrypted using the extracted symmetric key (or secret key) (710).

Here, the decryption function of the full text generation unit 120 is referred to as D (Decryption), the payment approval request information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key). When C (Ciphertext) and the decrypted payment approval request information are P (Plaintext), the function of decrypting the encrypted payment approval request information by the full text generation unit 120 is "Dk = P, or Dk (Ek). It can be expressed by an expression such as (P)) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted payment approval request information through the symmetric key (or secret key) by the full text generation unit 120 may include SEED, DES (Data Encryption Standard), Triple- It is preferable to include at least one or more of DES, Skipjack, International Data Encryption Algorithm (IDEA), and various other decryption algorithms may be used, but the decryption algorithm is the encryption used in the wireless payment terminal 155. Characterized by matching the algorithm, the present invention is not limited by a specific decoding algorithm.

When the payment approval request information encrypted through the symmetric key (or secret key) is decrypted as described above, the full text generation unit 120 generates the full text of the payment approval request including the decrypted payment approval request information and payment agency information. (715).

8 is a diagram illustrating a method for encrypting and transmitting payment approval request information in a wireless key terminal 155 according to an embodiment of the present invention in a public key infrastructure.

In more detail, FIG. 8 illustrates an embodiment of the present invention for encrypting and transmitting the payment approval request information in a public key infrastructure structure in a wireless payment terminal 155 having an encryption function as shown in FIG. 2. Those skilled in the art may refer to and / or modify this drawing to infer various implementation methods for encrypting the payment approval request information in a public key manner in the wireless payment terminal 155 on the wireless communication network. As will be appreciated, the invention encompasses all of the inferred practice methods, and is not limited to the practice method shown in FIG.

In this figure 8 according to the embodiment of the present invention, the server-side public key is preferably read from the public certificate (or security application module) provided in the wireless payment terminal 155, the public certificate (or security application) Module) is an IC chip (or IC) of ID-000 type stored in a predetermined memory unit 250 provided in the wireless payment terminal 155 and / or mounted or detached from the wireless payment terminal 155. Card) and / or stored in an IC card inserted into the IC card reader when the wireless payment terminal 155 has a predetermined IC card reader, and the present invention is not limited thereto. No.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the public certificate (or security application module) to the wireless payment terminal 155. The present invention is not limited by this.

Referring to FIG. 8, a predetermined payment approval request including predetermined payment means information, payment information, unique information of the wireless payment terminal 155, and a serial number of the payment is generated by the information generation unit 265 of the wireless payment terminal 155. When the information is generated, the information is provided to the information transmitting unit 270 (800). When the payment approval request information is provided, the information transmitting unit 270 receives the payment approval from the authorized certificate (or security application module). A predetermined server side public key for encrypting the request information is extracted (805), and the payment approval request information is encrypted using the extracted server side public key (810).

Here, the encryption function of the information transmission unit 270 is called E (Encryption), the server-side public key is k1 (key), the payment approval request information is encrypted with P (Plaintext), and the server-side public key. When the payment approval request information is C (Ciphertext), the encryption function of the information transmitter 110 may be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the payment approval request information through the server-side public key includes: RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature). Algorithm, DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of encryption algorithms may be used, but in a specific encryption algorithm The present invention is not limited by this.

For example, in the case of encrypting the payment approval request information through an RSA encryption algorithm, among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n is a. And b, if the published index (e.g., 3 or 216+) is e, and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a -1) (b-1) ", wherein the encryption function of the information transmitter 270 may be expressed as" C = Ek1 (P) = Pe mod n ".

When the payment approval request information is encrypted through the server-side public key as described above, the wireless communication unit transmits the encrypted payment approval request information to the relay server 100 through a network component on the wireless communication network (815). .

9 is a diagram illustrating a method of decrypting the payment approval request information encrypted and received by the relay server 100 according to an embodiment of the present invention using a public key infrastructure.

In more detail, FIG. 9 illustrates a public key infrastructure structure of the payment approval request information encrypted and received from the wireless payment terminal 155 having the encryption function as shown in FIG. 2 in the relay server 100 as shown in FIG. The present invention relates to an embodiment of the present invention, which has ordinary knowledge in the technical field to which the present invention pertains, referring to FIG. 9 and / or modified to the server-side public key from the wireless payment terminal 155 on the wireless communication network. Various implementation methods for decrypting encrypted payment approval request information in a public key infrastructure scheme may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG. .

In FIG. 9 according to an embodiment of the present invention, the server-side private key for decrypting the payment approval request information encrypted with the server-side public key in a public key infrastructure structure may include the public certificate provided in the relay server 100. Or it is preferably read from the security application module, the public certificate (or security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, whereby the present invention It is not limited.

Referring to FIG. 9, the information receiving unit 105 of the relay server 100 receives encrypted payment approval request information through the wireless communication network and provides it to the full text generation unit 120 (900). The request information is preferably received via a communication protocol stack defined in the wireless communication network.

Thereafter, the full text generation unit 120 extracts a server-side private key for decrypting the encrypted payment approval request information from the authorized certificate (or security application module) provided in the relay server 100 (905). The encrypted payment approval request information is decrypted through the extracted server-side private key (910).

Here, the decryption function of the full text generation unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), and the payment approval request information encrypted with the server-side public key is C (Ciphertext), and the When the payment approval request information decrypted by the server-side private key is called P (Plaintext), the function of decrypting the encrypted payment approval request information by the full text generation unit 120 is "Dk2 = P, or Dk2 (Ek (P)). ) = P ".

According to an embodiment of the present invention, the full text generation unit 120 decrypts the payment approval request information encrypted with the server-side public key in the wireless payment terminal 155 through the server-side private key, RSA (Ron). Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although a decryption algorithm may be used, the decryption algorithm is matched with an encryption algorithm used in the wireless payment terminal 155, and the present invention is not limited to a specific decryption algorithm.

For example, when the payment approval request information is decoded through an RSA decryption algorithm among the public key based decryption algorithms, a public method (Modulus) used in the decryption process is not disclosed with n and different prime factors of n. If the prime is a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the full text generation unit 120 may be expressed as" P = Dk2 = Cd mod n ".

When the payment approval request information encrypted with the server-side public key is decrypted by the wireless payment terminal 155 through the server-side private key, the full text generation unit 120 decodes the payment approval request information and the payment agency information. Generate a payment approval request full text including a (915).

10 is a diagram illustrating a method of encrypting and transmitting payment approval request information by an electronic envelope method in a wireless payment terminal 155 according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates an embodiment of the present invention for encrypting and transmitting the payment approval request information by an electronic envelope method in the wireless payment terminal 155 having the encryption function as shown in FIG. 2. In the art, various embodiments of the present invention can be inferred by referring to and / or modifying the drawing 10 and encrypting the payment approval request information in an electronic envelope method in the wireless payment terminal 155 on the wireless communication network. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 10 according to the embodiment of the present invention, the server-side public key is preferably read from the public certificate (or security application module) provided in the wireless payment terminal 155, the public certificate (or security application) Module) is an IC chip (or IC) of ID-000 type stored in a predetermined memory unit 250 provided in the wireless payment terminal 155 and / or mounted or detached from the wireless payment terminal 155. Card) and / or stored in an IC card inserted into the IC card reader when the wireless payment terminal 155 has a predetermined IC card reader, and the present invention is not limited thereto. No.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the public certificate (or security application module) to the wireless payment terminal 155. The present invention is not limited by this.

Referring to FIG. 10, the information generating unit 265 of the wireless payment terminal 155 includes a predetermined payment means information, payment information, a predetermined payment information including a unique information and a serial number of the wireless payment terminal 155. When the information is generated, the information is provided to the information transmitter 270 (1000). When the payment approval request information is provided, the information transmission unit 270 transmits the payment approval request information to a secret key (symmetric). A predetermined random secret key for encryption is generated (1005) and the payment approval request information is encrypted using the generated secret key (1010).

Here, the encryption function of the information transmitting unit 270 is called E (Encryption), the secret key is r (random secret key), the payment approval request information P (Plaintext), and the payment approval encrypted with the secret key When the request information is referred to as C (Ciphertext), the encryption function of the information transmitter 270 may be expressed by an equation such as "Er (P) = C".

According to the embodiment of the present invention, the algorithm for encrypting the payment approval request information by the information transmitting unit 270 using the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International) It is preferable to include at least one or more of Data Encryption Algorithm, and in addition, various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

Thereafter, the information transmission unit 270 encrypts the secret key (random secret key) used to encrypt the payment approval request information. For this purpose, the information transmission unit 270 is the authorized certificate (or security application module). A predetermined server-side public key is extracted from the server (1015), and the secret key is encrypted using the server-side public key (1020).

Herein, the encryption function of the information transmitter 270 is called E (Encryption), the server-side public key is encrypted with k1 (key), the secret key is r (random Secret key), and the server-side public key. If the secret key is C (Ciphertext), the encryption function of the information transmitter 270 may be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the information transmitter 270 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). ), DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, in addition to various encryption algorithms may be used, but by a specific encryption algorithm The present invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the information transmitter 270 may be expressed as" C = Ek1 (r) = re mod n ".

If the payment approval request information is encrypted with the secret key and the secret key is encrypted with the server-side public key, the information transmitting unit 270 uses the payment approval request information and the server-side public key encrypted with the secret key. Generate and provide transaction data associated with an encrypted secret key to the wireless communication unit (1025), and the wireless communication unit 230 transmits the transaction data to the relay server 100 through a network component on a wireless communication network ( 1030).

11 is a diagram illustrating a method for decrypting payment approval request information encrypted and received by the relay server 100 according to an embodiment of the present invention by an electronic envelope method.

In more detail, in FIG. 11, in the relay server 100 as shown in FIG. 1, the transaction data including the encrypted payment approval request information is received from the wireless payment terminal 155 having the encryption function as shown in FIG. The present invention relates to a method of decoding data by an electronic envelope method. If the present invention has general knowledge, the wireless payment terminal 155 on the wireless communication network may be referred to and / or modified with reference to FIG. Various implementation methods for decrypting the transaction data encrypted by the electronic envelope method may be inferred by the same electronic envelope method, but the present invention includes all the inferred implementation methods and is limited to the implementation method shown in FIG. Not.

In this figure 11 according to the embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is preferably read from the public certificate (or security application module) provided in the relay server 100. In addition, the public certificate (or security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, by which the present invention is not limited.

Referring to FIG. 11, the information receiving unit 105 of the relay server 100 receives predetermined transaction data including encrypted payment approval request information through the wireless communication network and provides the received transaction data to the full text generation unit 120. In operation 1100, the transaction data may be received through a communication protocol stack defined in the wireless communication network.

Thereafter, the full text generation unit 120 extracts a server-side private key for decrypting the encrypted secret key included in the transaction data from the public certificate (or security application module) provided in the relay server 100 ( 1105, by decrypting the secret key encrypted by the server-side public key in the wireless payment terminal 155 through the extracted server-side private key (1110), a predetermined secret key for decrypting the payment approval request information is obtained. Extract (1115) and decrypt the payment approval request information using the extracted secret key (1120), and extract the payment approval request information encrypted with the secret key from the wireless payment terminal (155) (1125). .

Here, the decryption function of the full-text generation unit 120 is called D (Decryption), the server-side private key is k2 (key), the secret key encrypted with the server-side public key is C (Ciphertext), and the server side. When the secret key decrypted with the private key is r (random secret key), the function of decrypting the encrypted secret key by the full text generation unit 120 is "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, an algorithm for decrypting the secret key encrypted by the server-side public key in the wireless payment terminal 155 by the specialized generation unit 120 through the server-side private key is RSA (Ron Rivest). , Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. A decryption algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the wireless payment terminal 155, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the full-text generation unit 120 may be expressed as" P = Dk2 = Cd mod n ".

In addition, the decryption function of the full text generation unit 120 is referred to as D (Decryption), the secret key is r (random Secret key), the payment approval request information encrypted with the secret key (C (Ciphertext)), and When the payment approval request information to be decrypted is called P (Plaintext), the function of decrypting the encrypted payment approval request information by the full text generation unit 120 is "Dr = P, or Dr (Er (P)) = P". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the encrypted payment approval request information through the private key generation unit 120 may include SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA. It is preferable to include at least one or more of the (International Data Encryption Algorithm), and in addition, various types of decryption algorithms may be used, but the decryption algorithm is matched with the encryption algorithm used in the wireless payment terminal (155). The present invention is not limited by the specific decoding algorithm.

When the payment approval request information is decoded as described above, the full text generation unit 120 generates the full text of the payment approval request including the decoded payment approval request information and payment agency information (1130).

12A and 12B illustrate a method of encrypting and transmitting payment approval request information by a key exchange method in a wireless payment terminal 155 according to an embodiment of the present invention.

12A and 12B illustrate a method of encrypting and transmitting the payment approval request information by a key exchange method in a wireless payment terminal 155 having an encryption function as shown in FIG. Those skilled in the art may refer to and / or modify this drawing 12 to infer various implementation methods for encrypting the payment approval request information in a key exchange method in the wireless payment terminal 155 on the wireless communication network. As will be appreciated, the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

In the figure 12 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are preferably read from the certificate (or security application module) provided in the wireless payment terminal 155, the certificate The certificate (or security application module) is stored in a predetermined memory unit provided in the wireless payment terminal 155, and / or an IC chip of ID-000 type mounted on or detached from the wireless payment terminal 155 ( Or an IC card inserted into the IC card reader when the wireless payment terminal 155 has a predetermined IC card reader, and / or the present invention. It is not limited.

Alternatively, the terminal-side private key and the server-side public key are extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate (or security application module) to the wireless payment terminal 155. It is possible that the present invention is not limited thereby.

12A and 12B, the information generating unit 265 of the wireless payment terminal 155 includes predetermined payment means information, payment information, wireless payment terminal 155 unique information, and a document serial number. When payment approval request information is generated, it is provided to the information transmitting unit 270 (1200). When the payment approval request information is provided, the information transmitting unit 270 hashes the payment approval request information by a predetermined one-way hash. Create a message digest including a hash code of a predetermined length irrespective of the length of the payment approval request information, and generate an original message through the hash code (or message digest). One-way hash function that cannot be identified (or inferred) The wireless payment terminal 155 and the relay server 100 use the same hash function to generate a predetermined message digest (1205). In operation 1210, the message digest is encrypted by using the terminal-side private key.

Here, the encryption function of the information transmitter 270 is called E (Encryption), the terminal side private key is t1 (terminal side key), the message digest is m (message digest), and the terminal side private key is encrypted. If the message digest is referred to as C (Ciphertext), the digital signature function of the information transmitter 270 may be expressed by an expression such as "Et1 (m) = C".

According to an embodiment of the present invention, the algorithm for encrypting the message digest by the information transmitter 270 through the terminal-side private key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, ECDH, or at least one of the one or more preferably, but may be used in various forms of encryption algorithm, but by a specific encryption algorithm The present invention is not limited.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the digital signature function of the information transmitter 110 may be expressed as" C = Et1 (m) = me mod n ".

In addition, the information transmitter 270 generates a predetermined random secret key for encrypting the payment approval request information by a secret key (symmetric key) method (1215), and the payment approval Through the generated private key by linking the request information and the copy of the message digest encrypted with the terminal-side private key and a certificate (eg, a certificate including the terminal-side public key) included in the public certificate (or security application module). Encrypt (1220).

Herein, the encryption function of the information transmitting unit 270 is called E (Encryption), the secret key is r (random secret key), the payment approval request information and the copy of the certificate is encrypted with P (Plaintext) and the secret key. When the payment approval request information and the copy of the certificate are referred to as C (Ciphertext), the encryption function of the information transmitter 270 may be expressed by an equation such as "Er (P) = C".

According to the embodiment of the present invention, the algorithm for encrypting the payment approval request information and the copy of the certificate through the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, It is preferable to include at least one or more of the International Data Encryption Algorithm (IDEA), and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

In addition, the information transmitting unit 270 extracts a predetermined server-side public key from the authorized certificate (or security application module) in order to encrypt the secret key that encrypted the payment approval request information (1225), and the server The secret key encrypting the payment approval request information is encrypted using the side public key (1230).

Here, the encryption function of the information transmitting unit 270 is called E (Encryption), and the server side public key is referred to as s1 (server side key), the secret key as r (random secret key), and the server side public key. When the encrypted secret key is C (Ciphertext), the encryption function of the information transmitter 270 may be expressed by an expression such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the information transmitter 270 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the information transmitter 270 may be expressed as" C = Es1 (r) = re mod n ".

The payment approval request information, the message digest encrypted with the terminal-side private key, and a copy of a certificate including the terminal-side public key are linked to each other and encrypted through the generated secret key, and the secret key is used to store the server-side public key. When encrypted through the information transmission unit 270, the server side copies a certificate including the payment digest request information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key. Generates predetermined transaction data in association with a secret key encrypted with a public key, provides the generated transaction data to the wireless communication unit (1235), and the wireless communication unit 230 transmits the transaction data to a network component on a wireless communication network. Through the transmission to the relay server 100 through (1240).

13A and 13B illustrate a method of decrypting the payment approval request information encrypted and received by the relay server 100 by a key exchange method according to an exemplary embodiment of the present invention.

13A and 13B illustrate the relay server 100 as shown in FIG. 1, which receives transaction data including encrypted payment approval request information from the wireless payment terminal 155 having the encryption function as shown in FIG. 2. In the embodiment of the present invention for decrypting the transaction data by a key exchange method, if the present invention belongs to a general knowledge, the wireless payment terminal on the wireless communication network by referring to and / or modified with reference to FIG. Although it is possible to infer various implementation methods for decrypting the transaction data encrypted by the key exchange scheme in the same key exchange scheme in 155, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method.

In FIG. 13 according to an embodiment of the present invention, the server-side private key and the terminal-side public key for decrypting the transaction data in a key exchange method are provided with the authorized certificate (or security application module) provided in the relay server 100. It is preferable to read from), the public certificate (or security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, by which the present invention is not limited.

Referring to FIGS. 13A and 13B, the information receiving unit 105 of the relay server 100 receives transaction data including the payment approval request information encrypted through the wireless communication network (1300), and transmits the transaction data. Provided to the full text generation unit 120 (1305), the transaction data is preferably received via a communication protocol defined in the wireless communication network, and / or the payment approval request information and the terminal encrypted with the secret key And a copy of the certificate including the message digest encrypted with the side private key and the terminal-side public key, and the secret key encrypted with the server-side public key.

Thereafter, the full text generation unit 120 extracts the server-side private key from the public certificate (or security application module) provided in the relay server 100 to decrypt the secret key encrypted with the server-side public key ( 1310, decrypting the private key through the server-side private key (1315) to decrypt the certificate copy including the message digest and the terminal-side public key encrypted with the payment approval request information and the terminal-side private key. The secret key for the extraction (1320).

Here, the decryption function of the full-text generation unit 120 is called D (Decryption), the server-side private key is s2 (server side key), the secret key encrypted with the server-side public key is C (Ciphertext), and the When the secret key decrypted with the server-side private key is r (random secret key), the function of decrypting the encrypted secret key by the full text generation unit 120 is "Ds2 = r, or Ds2 (Es1 (r)) = r ".

According to an embodiment of the present invention, the algorithm for decrypting the private key encrypted by the server-side public key in the wireless payment terminal 155 through the server-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding An algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the wireless payment terminal 155, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the full-text generation unit 120 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the full text generation unit 120 includes the message digest encrypted with the payment approval request information and the terminal-side private key using the extracted secret key and the terminal-side public key. By decrypting the copy of the certificate (1325), a copy of the certificate including the payment authorization request information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the full text generation unit 120 is referred to as D (Decryption), and the secret key is r (random secret key), the payment authorization request information encrypted with the secret key and the message encrypted with the terminal-side private key. C (Ciphertext), and a copy of the certificate containing the digest and the terminal-side public key, and a copy of the certificate containing the message digest and the terminal-side public key encrypted with the decrypted payment authorization request information and the terminal-side private key. Speaking of (Plaintext), the full text generation unit 120 decrypts a copy of the certificate including the encrypted payment approval request information and the message digest encrypted with the terminal-side private key and the terminal-side public key. = P, or Dr (Er (P)) = P ".

According to an embodiment of the present invention, a certificate copy including the message digest encrypted with the encrypted payment approval request information and the terminal-side private key and the terminal-side public key by the full text generation unit 120 through the secret key. The decryption algorithm may include at least one of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. However, the decryption algorithm is characterized in that it matches the encryption algorithm used in the wireless payment terminal 155, the invention is not limited by a specific decryption algorithm.

In addition, the full text generation unit 120 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (1330), thereby generating the wireless terminal 155 from the payment approval request information. The transmitted message digest is extracted (1335).

Here, the decryption function of the full text generation unit 120 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the When the message digest decrypted with the terminal-side public key is m (Message Digest), the function of decrypting the encrypted message digest by the full text generation unit 120 is "Dt2 = m, or Dt2 (Es1 (r)) = m It can be expressed as an expression such as ".

According to an embodiment of the present invention, the algorithm for decrypting the message digest encrypted by the terminal-side private key in the wireless payment terminal 155 through the terminal-side public key may include RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding An algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the wireless payment terminal 155, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the full text generation unit 120 may be expressed as" P = Dt2 = Cd mod n ".

Subsequently, the full text generation unit 120 generates a predetermined message digest using the same one-way hash function as the wireless payment terminal 155 after receiving the received payment approval request information (1340), and generates the generated message digest. By comparing the decrypted message digest (1345), the validity of the received payment approval request information is checked.

If the generated message digest coincides with the decrypted message digest (1350), the full text generation unit 120 generates the full text of the payment approval request including the payment approval request information and the payment agency information (1355).

14 is a diagram illustrating a specialized structure for requesting payment approval request for acting as a card for a mobile merchant according to one embodiment of the present invention.

More specifically, FIG. 14 illustrates a payment approval request specialized structure generated by the relay server 100, and specifically, unique information of the wireless payment terminal 155 of the payment approval request information generated by the wireless payment terminal 155. To a payment agency information, and the payment serial number for the payment authorization request professional structure generated by replacing the predetermined serial number for the card payment agency of the mobile merchant.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to the respective payment means information (e.g., check card, debit card, prepaid card, etc.) as intended by those skilled in the art. Correspondingly, it is possible to infer various payment approval request specialized structures for the card payment agency of the mobile merchant, but the present invention includes all the implementation methods inferred, and this payment approval request specialized structure is illustrated in FIG. It is by no means limited.

Referring to FIG. 14, the payment approval request full text structure may include at least one or more 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 is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval request text may include a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.), a Terminal_ID item, a POS Entry Mode item, and a TRACK II Data item (eg, an MS card TRACK). Credit card information obtained from the Primary Account Number (PAN) area and Additional Data (AD) and / or Discretionary Data (DD) areas, or credit card information obtained from the credit card file of the IC card). , The number of installment months, the total amount of money, and the service fee, which correspond to the credit card payment information after the predetermined file separator (File Separator, 0X1C), and also include the Working Key Index item, password item, product code item, and slip Serial number entry and the like.

Persons of ordinary skill in the art to which the present invention pertains can 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 embodiment of the present invention, the unique information of the wireless payment terminal 155 included in the Terminal_ID item in the full payment approval request is replaced with the payment agency information, and the document serial number item is the relay server 100. It is replaced with the predetermined document serial number generated in.

15 is a diagram illustrating an operation process of the payment company 140 of the card company according to an embodiment of the present invention.

In more detail, Figure 15 shows the entire payment approval request shown in Figure 14 through the process shown in Figure 5 in the relay server 100 on the card payment system shown in Figure 1 the card payment shown in Figure 1 When the transmission to the payment server 140 provided in the card company on the system, the payment server 140 for the operation process of receiving the payment approval request full text to perform a predetermined payment approval procedure, the technical field to which the present invention belongs If one of ordinary skill in the art, it will be able to infer various operations of the payment server 140 for the card payment agent service of the mobile merchant in accordance with the present invention by referring to and / or modified in this figure 15, The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 15, the payment shown in Figure 14 through the process shown in Figure 5 in the relay server 100 on the card payment system shown in Figure 1 for the card payment agent service of the mobile merchant in accordance with the present invention When transmitting the full approval request, the payment server 140 receives at least one payment approval request message and at least one or more necessary to perform a payment approval procedure such as the payment means information and payment information from the received payment approval request message. The payment approval related information is extracted (1500), and the requested payment approval procedure is performed through the payment approval request text message through the extracted at least one payment approval related information (1505).

Those skilled in the art to which the present invention pertains include a check card including payment means information (eg, credit card payment means information including credit card information, or check card information) included in the full payment approval request. You will be familiar with each payment approval procedure corresponding to payment method information, debit card payment method information including debit card information, or prepaid card payment method information including prepaid card information. Omit for convenience.

If the payment approval corresponding to the full payment approval request fails as a result of performing the payment approval procedure (1510), the payment server 140 generates a predetermined payment processing history including the predetermined payment error details ( 1515).

On the other hand, if the payment approval corresponding to the full payment approval request is successful as a result of performing the payment approval process (1510), the payment server 140 generates a predetermined payment processing history including a predetermined payment approval details ( 1520).

By performing the payment approval procedure as described above, when a predetermined payment processing history including the payment approval details or payment error details is generated, the payment server 140 performs a predetermined payment approval full text including the payment processing details. Generate (1525), the payment approval full text to the relay server 100 provided to the payment agency through the bansa with reference to the payment agency information corresponding to the payment approval related information included in the full payment approval request request; Send (1530).

According to the exemplary embodiment of the present invention, when the payment approval details are included in the payment processing details, the payment server 140 is related to the payment approval for the purchase and / or settlement of the documents corresponding to the full payment approval request. It is desirable to store and manage the information in a predetermined database (not shown).

FIG. 16 is a diagram illustrating an operation process of a relay server 100 of a payment agency for card payment agency and settlement processing of a mobile affiliate store according to an exemplary embodiment of the present invention.

In more detail, FIG. 16 is a payment server 140 on the card payment system shown in FIG. 1 through a process shown in FIG. 14 to transfer a predetermined payment approval to a payment agency on the card payment system shown in FIG. When the transmission to the provided relay server 100, the relay server 100 receives the payment approval full message for the operation process for the card payment agent and settlement processing of the mobile merchant, the present invention belongs to Those skilled in the art may refer to and / or modify this drawing 16 to infer various operation processes of the relay server 100 for the card payment agent service of the mobile merchant according to the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 16, the payment server 140 on the card payment system of FIG. 1 includes a predetermined payment processing history through the process shown in FIG. 14 for the card payment agent service of the mobile merchant according to the present invention. When the payment approval message is transmitted, the relay server 100 receives the payment approval message, reads the payment processing history included in the received payment approval message, and checks whether the payment approval request is approved. (1600).

If the card payment is not approved as a result of reading the payment processing history (1605), the relay server 100 generates predetermined payment approval information including the payment processing history (1620), and generates the generated payment. The authorization information is transmitted to the wireless payment terminal 155 through the wireless communication network (1625).

On the other hand, if the card payment is approved as a result of reading the payment processing history (1605), the relay server 100 checks the mobile merchant information corresponding to the payment processing history included in the payment approval message, and further, the payment processing history After calculating the settlement amount information corresponding to the information (1610), the mobile merchant information and the settlement amount information is processed in association with the predetermined storage medium 135 and stored (1615).

According to the exemplary embodiment of the present invention, the checked mobile affiliated store information preferably includes unique information of the wireless payment terminal 155 included in the payment approval request text corresponding to the payment approval text.

In addition, the mobile merchant information is a document serial number included in the full payment approval request in the wireless payment terminal 155, and / or replaced by (or included) the full payment approval request by the specialized processing unit 125 It is preferable that the serial number is further included.

According to the implementation method of the present invention, the calculated settlement amount information includes settlement amount information included in the full payment approval request, and / or includes an amount excluding the card company fee among the settlement amounts, and It is preferable that the payment amount includes the amount excluding the bansa fee, and / or the payment amount includes the amount excluding the payment agency fee.

Thereafter, the relay server 100 generates predetermined payment approval information including the payment processing history (1620) and transmits the generated payment approval information to the wireless payment terminal 155 through the wireless communication network. (1625).

17 is a diagram illustrating a process of settlement of a card payment amount to a mobile affiliate store according to one embodiment of the present invention.

In more detail, FIG. 17 illustrates that the card payment amount is moved by the payment agency after a card payment agent service is provided through the wireless payment terminal 155 provided in the mobile affiliate store through the card payment system shown in FIG. 1. Regarding the process of settlement to an affiliated store, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the settlement amount for the card payment agent service of the mobile affiliated store according to the present invention by referring to and / or modifying the drawing 17. Various embodiments of the settlement process may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, a card company server having a settlement processing function for the card payment amount in FIG. 1 is referred to as a "card company server" for convenience, and a payment agency server for final settlement of the card payment amount to the mobile affiliate store. For convenience, it is called "payment agency server".

Referring to FIG. 17, after a card settlement agent service is provided through the wireless payment terminal 155 provided in the mobile affiliate store through the card settlement system shown in FIG. 1, a predetermined card company (or slip purchase company) receives the payment approval. The document purchase procedure corresponding to the full payment approval request is performed (1700).

Those skilled in the art to which the present invention pertains, since they will be familiar with the various implementation methods for the slip purchase procedure, a detailed description thereof will be omitted for convenience.

If the slip purchase procedure is performed (1705), the card company server calculates a settlement amount for the settlement amount corresponding to the slip purchase (1710).

According to the method of the present invention, the calculated settlement amount is preferably made to include the amount of the credit card company fee from the settlement amount.

Alternatively, the calculated settlement amount is preferably made of the settlement amount including the amount limiting the card company fees and bansa fees.

When the settlement amount of the settlement amount corresponding to the slip purchase is calculated, the card company server deposits the settlement amount to the settlement agency through a predetermined financial system (1715).

According to the implementation method of the present invention, the financial system is a financial computer system in which the credit card company (or purchase company) financial account and the settlement agency financial account for the settlement processing is opened, wherein the settlement amount is the It is preferable to withdraw money from the credit card company (or slip purchase company) financial account through the financial system and process the deposit (or account transfer) to the payment agency financial account.

In the technical field to which the present invention pertains, a process in which the settlement amount is settled through the financial system (for example, the settlement amount is withdrawn from the credit card company (or slip purchase company) financial account and the settlement agency) The process of depositing directly (or account transfer) into a financial account, or the settlement amount is withdrawn from the credit card company (or voucher purchaser) financial account and directly deposited into the payment agency financial account (or account transfer) through the bansa account. Etc.), so a detailed description thereof will be omitted for convenience.

At this time, the payment agency server checks whether the settlement amount corresponding to the full payment approval request is received in connection with the financial system (1720). If the settlement amount corresponding to the full payment approval request is received (1725) In operation 1730, the payment agency server confirms a final settlement target mobile affiliate store for final settlement of the settlement amount settled by the card company.

According to an embodiment of the present invention, the payment agency server queries the storage medium 135 through the document serial number corresponding to the settlement amount settled by the card company, thereby performing the final settlement of the settlement amount. It is desirable to check the mobile merchant.

Thereafter, the payment agency server calculates a final settlement amount for the mobile affiliate store (1735).

According to the exemplary embodiment of the present invention, when the settlement amount information stored in the storage medium 135 includes the limited amount of the card company fee, the bansa fee, and the payment agency fee from the payment amount included in the payment approval request text, The processor 115 extracts the settlement amount information linked to the mobile affiliate store information from the storage medium 135 to identify a predetermined settlement amount to be settled by the settlement agency to the mobile affiliate store.

Alternatively, when the settlement amount information stored in the storage medium 135 does not include the card company fee, the bansa fee, and the payment agency fee in the settlement amount included in the full payment approval request, the settlement processing unit 115. Extracts settlement amount information linked to the mobile affiliate store information from the storage medium 135 and subtracts at least one fee from the extracted settlement amount information to perform settlement processing from the settlement agency to the mobile affiliate store. Confirm the predetermined settlement amount.

When the final settlement amount for the mobile affiliate store is calculated as described above, the settlement agency server deposits the final settlement amount to the mobile affiliate store through a predetermined financial system and processes the settlement (1740).

According to an embodiment of the present invention, the financial system is a financial computer system in which the payment agency financial account and the engineering merchant financial account are opened for the settlement processing, and the settlement amount is set through the financial system. It is preferable that the withdrawal from the payment agency financial account is processed (or account transfer) to the mobile merchant financial account.

18 is a diagram illustrating a card payment system configuration for a mobile affiliate store according to another embodiment of the present invention.

More specifically, FIG. 18 illustrates a payment authorization request information for the card payment processing when the card payment is performed through a predetermined portable card terminal 1800 provided in the mobile affiliate store in a mobile affiliate store that is difficult to provide a card payment service. When transmitted to the relay server 100 provided in the payment agency through the network means of, the relay server 100 generates a predetermined payment approval request message containing the payment approval request information, characterized in that the agency payment processing As a mobile merchant-based card payment system, those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 18 to infer various card payment system configurations for mobile merchants. It will be appreciated that the present invention includes all such inferred implementation methods, and thus the present invention is not limited thereto. .

Referring to FIG. 18 according to an embodiment of the present invention, a card payment system for a mobile affiliate store includes a portable card terminal 1800 provided to at least one mobile affiliate store, and a predetermined network connection device provided in the mobile affiliate store. 1805 and the portable card terminal 1800 through the network connection device 1805, receive payment approval request information transmitted from the portable card terminal 1800, and include the payment approval request information in the preamble. A relay server 100 for replacing the mobile merchant information with the payment agency information, a payment network for transmitting the full payment approval request generated by the relay server 100 to a predetermined payment server 140, and the payment; Characterized in that it comprises a payment server 140 for performing a payment approval procedure included in the full approval request.

In this case, the mobile affiliate store does not have any requirements for providing a conventional card payment service (eg, a business registration certificate, a fixed store / store, a communication means for connecting with a Value Added Network (VAN), etc.), and offline. Characterized in that it comprises at least one or more stores and / or stores and / or stalls.

For example, the mobile franchise may be a store temporarily opened in a high season and / or a specific area, and / or a store open at a specific time in a special place (eg, a food stall, a street stall, a flea market, a street market, etc.) , And / or stores that sell various goods on a street and / or in a particular location (e.g., street bargain temporary stores, etc.), and / or stores that always move and provide goods and / or services (e.g., Vehicle-type stores, etc.), and / or all commerce (e.g., door-to-door sales, etc.) that occur temporarily at specific places and / or streets, and / or businesses that deliver and / or deliver to the needs of various buyers. (Eg, food delivery, etc.) may be included.

In addition, the payment agency is characterized in that for the at least one or more mobile merchants for the card payment service according to the present invention, for this purpose, the payment agency concludes a franchise contract for at least one or more mobile merchants and the card payment agency Characterized in that.

In the franchise contract process between the payment agency and at least one mobile merchant, the payment agency unique information corresponding to the portable card terminal 1800 corresponding to the portable card terminal 1800 provided to the mobile merchant, and the portable card terminal 1800 It characterized in that the mobile merchant financial account information for the settlement of the amount processed through the process of linking and storing in a predetermined database (not shown).

According to the embodiment of the present invention, the payment agency is characterized in that the card payment service requirements for the card payment agent as described above, the card payment generated in the portable card terminal 1800 through the franchise agreement It is characterized by acting on the basis of the card payment service requirements of the payment agency.

That is, the payment agency corresponds to the bansa to transmit the payment approval request text generated in the portable card terminal 1800 when viewed from the portable card terminal 1800 provided in the mobile merchant, the bansa view It corresponds to a special corporation corresponding to a merchant that has a card payment service requirement and transmits a predetermined payment approval request message to the bansa.

According to the exemplary embodiment of the present invention, the payment agency may be a bansa or a special corporation established by the bansa for the card settlement agency as described above, in which case the relay server 100 is the bansa It is preferable to include a bansa server for processing the card payment agent according to the present invention.

According to another exemplary embodiment of the present invention, the payment agency is a special merchant (for example, a merchant that provides a payment agent service for at least one mobile merchant) contracted with a predetermined bansa for the card settlement agency as described above, or It is preferable to correspond to a special corporation (for example, a corporation that provides a billing service for at least one mobile merchant), in this case, the relay server 100 is connected to the bansa through a predetermined dedicated communication network, and / Or, it is preferable to be connected through a secure communication network that provides an encryption / decryption function.

The portable card terminal 1800 provided in the mobile affiliated store has a predetermined card reader (eg, an MS (Magnetic Stripe) reader and / or an integrated circuit (IC) reader, etc.), key input means, and short-range communication in hardware. Means, and the like, predetermined payment means information (e.g., card information read from a customer card) read through the card reader, and payment information (e.g., payment amount, Generating predetermined payment approval request information including an installment month number, and transmitting the generated payment approval request information to the relay server 100 via the short-range communication means via the network connection device 1805. It is characterized by comprising a function to.

The network connection device 1805 for connecting the portable card terminal 1800 to a predetermined network means is a communication device provided in the mobile affiliate store, and is connected to the portable card terminal 1800 through a predetermined short range communication means. The portable card terminal 1800 may be connected to a predetermined network means to connect a communication channel between the portable card terminal 1800 and the relay server 100.

The network connection device 1805 may include at least one of an xDSL device having a predetermined short range communication means, a wireless terminal having a predetermined short range communication means, and / or a wired terminal having a predetermined short range communication means. Characterized in that it comprises one or more, wherein the short-range communication means Bluetooth (BlueTooth), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system), Infrared Ray (RF), RF (Radio Frequency) communication It is preferable to include at least one, and according to the intention of the skilled person, the short range communication means may include a cable communication such as a universal serial bus (USB).

According to the exemplary embodiment of the present invention, the portable card terminal 1800 may be provided (or leased) from the settlement agency to the mobile affiliate store in the process of signing a franchise agreement with the settlement agency. The payment approval request information generated by the portable card terminal 1800 is not the conventional bansa server (e.g., a bansa side server that receives and receives payment approval request information transmitted from one or more normal merchants for professional processing). 100).

According to an embodiment of the present invention, the payment approval request information generated in the portable card terminal 1800 may include payment means information, payment information (eg, payment amount and installment months, etc.) obtained from a predetermined customer card; Mobile merchant information (eg, unique information of the portable card terminal 1800) is preferably included.

The payment approval request information generated by the portable card terminal 1800 may further include a predetermined serial number for the payment approval request information.

Preferably, the portable card terminal 1800 and the relay server 100 are connected through the network connection device 1805, and a communication network connected to the network connection device 1805 is connected to an open network (eg, a transmission / reception packet). In the case of a third party accessible network), the payment approval request information generated by the portable card terminal 1800 is encrypted and transmitted to the relay server 100, and the encrypted payment approval request information is It is preferable to be decrypted by the relay server 100.

Referring to FIG. 18, the relay server 100 receives predetermined payment approval request information generated by the portable card terminal 1800 through the network connection device 1805 connected to the portable card terminal 1800. The information receiving unit 105, a specialized receiving unit for generating a predetermined payment approval request message including the received payment approval request information, and the generated payment approval request message to the predetermined payment server 140 through the bansa. A request processing approval unit 125 for receiving a payment approval message including a payment processing history corresponding to the payment approval request from the payment server 140 through the request for payment approval, and upon the payment approval; An information storage unit 130 for linking the mobile affiliate information and the settlement amount information corresponding to the payment approval and storing the mobile payment information in a predetermined storage medium 135; Provided with a large access 1805 information transfer unit 110 for transferring the card to the portable terminal 1800 through characterized in that formed.

In addition, the relay server 100, when a predetermined settlement amount is deposited to the settlement agency through a predetermined financial system in order to settle the settlement amount corresponding to the settlement approval in the card company provided with the settlement server 140, And a settlement processing unit 115 for processing the settlement amount to the mobile affiliate store through a predetermined financial system based on the mobile affiliate store information and the settlement amount information stored in the storage medium 135.

The information receiver 105 is connected to the portable card terminal 1800 through the network connection device 1805 and at least one payment approval from the at least one portable card terminal 1800 through the network connection device 1805. Characterized in that it comprises a function configuration for receiving the request information, if the payment approval request information generated in a predetermined portable card terminal 1800 is transmitted through the network connection device 1805, characterized in that for receiving it do.

According to the exemplary embodiment of the present invention, when the payment approval request information transmitted from the portable card terminal 1800 is encrypted through at least one encryption method, the information receiving unit 105 receives the received payment approval request information. It is preferable to decrypt through a decryption method corresponding to the encryption method.

The full text generation unit 120 generates a predetermined payment approval request full text including payment approval request information received (and / or received and decrypted) through the information receiving unit 105. The full payment approval request is characterized in that the payment agency information is included in place of the mobile merchant information.

Here, the mobile affiliate store information included in the payment approval request information is a portable agent provided in the portable card terminal 1800 provided to the mobile affiliate store by entering into a franchise contract with the mobile affiliate store in the payment agency and entering into the contract. The card terminal 1800 is characterized by including the unique information.

According to the exemplary embodiment of the present invention, the mobile merchant information included in the payment approval request information preferably includes the same data structure as the affiliated store information included in the conventional payment approval request information.

Further, the payment agency information included in the payment approval request message generated based on the payment approval request information is information for causing the payment approval request for the payment approval request message to be processed by the payment agency for payment approval request. As, the payment agency information is characterized in that it comprises the same data structure as the merchant information included in the conventional payment approval request full text, thereby payment server 140 (or bansa server) receiving the payment approval request full text The payment approval request is recognized as requested by the payment agency.

That is, the card company provided with the payment server 140, the settlement amount corresponding to the payment amount included in the payment approval request full text when the payment approval corresponding to the payment approval request text by the payment agency information generated as described above (E.g., the amount excluding the credit card fee of the payment amount) is settled and deposited to the payment agency.

According to an exemplary embodiment of the present invention, when a predetermined document serial number is included in the payment approval request information, but the document serial number is not valid for the card payment agent (for example, the portable card terminal 1800). When the document serial number included in the payment approval request information is used only for the settlement processing between the mobile affiliate store and the payment agency, the full text generation unit 120 is effective for the card settlement agent (eg, the payment agency settles between the card companies). It is preferable to generate a predetermined document serial number, which will be used for processing, and to include it in the full text of the payment approval request.

If the document serial number previously included in the payment approval request information is valid for the card settlement agent, the full text generation unit 120 may omit the process of generating the document serial number, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, when the payment approval request information does not include a predetermined document serial number, the full text generation unit 120 is effective for the card payment agent (eg, the payment agency between card companies) It is preferable to generate a predetermined document serial number to be used for the settlement process and include it in the full text of the payment approval request.

The specialized processing unit 125 transmits the generated payment approval request full text to the predetermined payment server 140 through the bansa when the predetermined payment approval request text is generated by the text generation unit 120. It is characterized by requesting approval.

According to an exemplary embodiment of the present invention, the specialized processing unit 125 receives the predetermined payment approval request message received from a predetermined bansa server (eg, a payment terminal provided in a conventional normal affiliated store). Bansa server to relay transmission to the payment server 140 of the), and then the bansa server is the same as the payment approval request full text received from the payment terminal provided in the conventional normal merchant approval request payment Through the process, the transmission of the payment approval request message is relayed to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request message.

According to another exemplary embodiment of the present invention, the specialized processing unit 125 is the payment approval to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request message replaced with the payment agency information. It is possible to transmit the full text request, in this case the relay server 100 is to perform the function of the bansa server provided in the bansa.

The specialized processing unit 125 may receive a payment approval text including a payment processing history corresponding to the payment approval request from the payment server 140 through the bansa.

According to an embodiment of the present invention, the payment approval request message replaced with the payment agency information is received by a predetermined bansa server (for example, a payment approval request message transmitted from a payment terminal provided in a conventional normal affiliated predetermined payment server ( In the case of transmitting to the payment server 140 through a bansa server relaying to the server 140, the specialized processing unit 125 processes a payment corresponding to the payment approval request from the payment server 140 through the bansa server. It is desirable to receive the full payment approval statement including the details.

According to another embodiment of the present invention, when the payment approval request message replaced with the payment agency information is directly transmitted from the relay server 100 to the payment server 140, the specialized processing unit 125 is the payment server. It is preferable to receive a payment approval text including a payment processing history corresponding to the payment approval request from 140.

According to the exemplary embodiment of the present invention, the payment processing details included in the received payment approval text may include payment approval details or payment error details.

If the payment processing details included in the payment approval full text includes the payment approval details, the information storage unit 130 is the mobile approval information (for example, the payment approval request message received through the information receiving unit 105). Mobile merchant information included in the) and the predetermined settlement amount information is characterized in that stored in the predetermined storage medium 135.

According to the exemplary embodiment of the present invention, the mobile affiliated store information preferably includes unique information of the portable card terminal 1800 included in the full payment approval request received through the information receiving unit 105.

In addition, the mobile merchant information is a document serial number that is included in the full payment approval request in the portable card terminal 1800, and / or replaced by (or included) the full payment approval request by the specialized processing unit 125 It is preferable that the serial number is further included.

According to an exemplary embodiment of the present invention, the settlement amount information stored in the storage medium 135 in association with the mobile affiliate store information includes payment amount information included in the full payment approval request, and / or The payment amount includes the amount excluding the card company fee, and / or the payment amount includes the amount excluding the bansa fee, and / or the payment amount includes the amount excluding the payment agency fee. desirable.

By purchasing a document corresponding to the full payment approval request from a card company (or a purchase agent) equipped with a payment server 140 that has approved the card payment (for example, by confirming a document serial number corresponding to the full payment approval request) ), When the card company (or the purchase company) has settled a predetermined settlement amount (for example, the amount excluding the card company fee among the settlement amount) for the settlement amount included in the full payment approval request, the settlement amount is the document Deposits are made to the payment agency through a predetermined financial system including a serial number.

The financial system is a financial computer system in which the credit card company (or slip purchase company) financial account and the settlement agency financial account are opened for the settlement processing, and the settlement amount is set by the credit card company (or through the financial system). Document purchase company) characterized in that the withdrawal from the financial account is processed (or account transfer) to the payment agency financial account.

In the technical field to which the present invention pertains, a process in which the settlement amount is settled through the financial system (for example, the settlement amount is withdrawn from the credit card company (or slip purchase company) financial account and the settlement agency) The process of depositing directly (or account transfer) into a financial account, or the settlement amount is withdrawn from the card company (or voucher purchaser) financial account and directly deposited into the payment agency financial account (or account transfer) through the bansa account. Etc.), so a detailed description thereof will be omitted for convenience.

When the settlement amount according to the card settlement agent is deposited to the settlement agency, the settlement processing unit 115 transfers the mobile merchant information stored in the storage medium 135 (for example, the document serial number included in the settlement approval request text). It is characterized in that for confirming the mobile merchant corresponding to the settlement amount through.

If the mobile merchant corresponding to the settlement amount is confirmed, the settlement processing unit 115 is processed from the storage medium 135 to the mobile affiliate store based on the settlement amount information stored in association with the mobile affiliate store information. A predetermined settlement amount to be settled is identified, and the settlement settlement amount is settled to the mobile affiliated store through a predetermined financial system.

According to the embodiment of the present invention, the settlement amount processed by the settlement processing unit 115 to the mobile merchant stores the card company fee, the bansa fee and the payment agency fee from the payment amount included in the payment approval request. Corresponding.

For example, when the settlement amount information stored in the storage medium 135 includes the card company fee, the bansa fee, and the payment agency fee in the settlement amount included in the full payment approval request, the settlement processing unit 115 is configured to perform the settlement. By extracting the settlement amount information linked to the mobile merchant information from the storage medium 135, the payment agency checks the predetermined settlement amount to be settled to the mobile affiliated store.

Alternatively, when the settlement amount information stored in the storage medium 135 does not include the card company fee, the bansa fee, and the payment agency fee in the settlement amount included in the full payment approval request, the settlement processing unit 115. Extracts settlement amount information linked to the mobile affiliate store information from the storage medium 135 and subtracts at least one fee from the extracted settlement amount information to perform settlement processing from the settlement agency to the mobile affiliate store. Confirm the predetermined settlement amount.

Thereafter, the settlement processing unit 115 setstles the settlement amount to the mobile affiliate store through a predetermined financial system based on the mobile affiliate financial account information secured in the franchise contract process between the settlement agency and the mobile affiliate store. It is done.

The financial system is a financial computer system in which the payment agency financial account and the engineering merchant financial account are opened for the settlement processing, and the settlement amount is withdrawn from the payment agency financial account through the financial system. It is characterized in that the deposit (or account transfer) processing to the mobile merchant financial account.

Those skilled in the art to which the present invention pertains will be familiar with the process of settlement of the settlement amount through the financial system, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 18, the payment server 140 that processes the payment approval for the payment approval request text transmitted from the relay server 100 may include a card company (eg, a card company corresponding to the payment means information included in the payment approval request text). And a card company that issues a card having at least one payment method to the card payment customer), receives at least one full payment approval request message through a predetermined payment network, and reads the received full payment approval request message. By performing a payment approval procedure for the corresponding payment approval request, generating a payment processing history including a predetermined payment approval history or a payment error history, and generating predetermined payment approval information including the payment processing history to generate the payment. Characterized in that the payment approval unit 145 is transmitted through a network, the payment approval unit 14 5) the predetermined credit card information and limit information for each card (e.g., if the payment method information included in the full text of the payment approval request corresponds to the credit card payment method, the credit for the credit card); If the limit information or payment method information included in the full payment approval request corresponds to the check / debit card payment method, the financial account information (or financial account balance information) associated with the check / debit card is linked to It is characterized by managing.

According to the method of the present invention, when the payment approval request requested through the payment approval request message is approved in the process of the payment approval unit 145 performing the payment approval procedure, the payment approval unit 145 The document serial number included in the payment approval request text is managed until the document corresponding to the payment approval request text is purchased and / or the settlement amount corresponding to the payment approval request text is completed. do.

Those of ordinary skill in the art to which the present invention pertains may include credit card payment means and / or check card payment means and / or debit card payment means. Since you will be familiar with the technical features of the payment approval unit for performing the payment approval procedure, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment server 140 is included in the full text of the payment approval request, when the payment approval request requested through the full text of the payment approval request is approved in the process of performing the payment approval process. Purchase and process a document corresponding to the full payment approval request through a document serial number (or when a document corresponding to the document serial number is purchased through a predetermined document purchase company), and a predetermined payment amount corresponding to the purchased document And a payment settlement unit 150 configured to calculate a predetermined settlement amount from and settle the calculated settlement amount through a predetermined financial system.

If a person having ordinary knowledge in the technical field to which the present invention pertains, the document corresponding to the full text of the payment approval request is processed for purchase (or a document corresponding to the document serial number is purchased through a predetermined document purchase company), and Since you will be familiar with the technical features of the payment settlement unit 150 that processes the predetermined settlement amount corresponding to the purchased slip, a detailed description thereof will be omitted for convenience.

19 is a diagram illustrating a functional configuration of a portable card terminal 1800 that provides a card settlement agent service for a mobile affiliate store according to an embodiment of the present invention.

More specifically, FIG. 19 illustrates an embodiment of a portable card terminal 1800 having a payment mode for a card payment agent service for a mobile merchant, and a person having ordinary skill in the art to which the present invention pertains. By referring to and / or modifying this drawing 19, it is possible to infer various portable card terminal 1800 functional configuration for a card payment agency service for a mobile merchant, but the technical features of the present invention are limited by this drawing 19 It is to be understood that the present invention includes all implementation methods deduced.

Referring to FIG. 19, a portable card terminal 1800 having a payment mode for a card payment agency service for a mobile affiliate basically includes a control unit 1905, a memory unit 1950, a card reader unit 1910, and a key. A power supply unit 1925 for supplying power to the input unit 1920, the screen output unit 1915, the short range communication unit 1930, the security application module 1935, the print output unit 1940, and the portable card terminal 1800. It is made, including, at least one or more terminal functional units (not shown) according to the intention of those skilled in the art.

The control unit 1905 controls the overall operation of the portable card terminal 1800 according to the function configuration, manages the flow of information or data between each component, and the portable card terminal 1800 for card payment processing for the mobile affiliate store. At least one processor and an execution memory (for example, a register) including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware and at least one component included in the And / or a RAM (Random Access Memory) and a bus for inputting and outputting predetermined data, and predetermined recording for performing a function specific to the portable card terminal 1800 in software. Predetermined program routines that are loaded from the medium into the execution memory and are arithmetic by the processor; and And / or include program data (hence, a predetermined program recorded on a recording medium provided in the portable card terminal 1800 for card payment agency processing for the mobile merchant, and / or the portable card terminal 1800). In this functional configuration, the components that can be processed by software are shown in the control unit 1905).

According to an exemplary embodiment of the present invention, the controller 1905 may include components (eg, the memory unit 1950, the card reader unit 1910, the key input unit 1920, and the screen) provided in the portable card terminal 1800. The portable card terminal by interworking an output unit 1915, a short range communication unit 1930, a security application module 1935, a print output unit 1940, and / or a terminal functional unit (not illustrated) according to the intention of a person skilled in the art). In addition to controlling and managing providing the electronic payment service defined in 1800, the components provided in the portable card terminal 1800 for the card payment agent service for the mobile merchant according to the present invention by interworking with each other It is preferable to execute a program recorded on a recording medium provided in the portable card terminal 1800 for controlling and / or for a card settlement service for the mobile affiliate store.

The memory unit 1950 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 portable card terminal 1800 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 control unit 1905 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the exemplary embodiment of the present invention, the memory unit 1950 preferably stores specific information of predetermined portable card terminal 1800 corresponding to the portable card terminal 1800, and the portable card terminal 1800 The unique information is preferably included in predetermined payment approval request information generated by the portable card terminal 1800.

The customer receiving the card payment agent service for the mobile merchant according to the present invention through the portable card terminal 1800, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC 7816 standard Possesses (or owns) a contact IC card (or wireless IC chip) and / or a card including at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 standard, The card reader 1910 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 1910 may include an MS reader unit providing an interface between the MS card and the portable card terminal 1800, and / or the contact IC card and the portable card terminal ( 1800) a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the portable card terminal 1800.

The MS reader unit is a card reader unit 1910 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 by interfacing the predetermined information or data to the portable card terminal 1800 from at least one or more tracks provided in the MS of the MS card by using the loaded.

The contact IC reader unit is a card reader unit 1910 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) provided in a contact IC card. It supplies 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 portable card terminal (1800).

The contactless IC reader unit is a card reader unit 1910 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It comprises one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and portable information or data from the IC chip through the half duplex transaction using the APDU It is characterized in that the interface to the card terminal (1800).

According to an embodiment of the present invention, the card reader unit 1910 may be configured to provide predetermined card information (eg, a card) from at least one card reader unit 1910 for the electronic payment service defined in the portable card terminal 1800. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, check card, debit card, cash card, financial account provided), and also act as a card payment for mobile merchants according to the present invention It is preferable to read predetermined payment means information from at least one card for the service.

According to the exemplary embodiment of the present invention, the payment means information includes credit card payment means information including predetermined credit card information, or check card payment means information including check card information, or debit card payment including debit card information. It is desirable to include at least one or more prepaid card payment means information, including means information, or prepaid card information.

The key input unit 1920 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the portable card terminal 1800 controlled by the controller 1905. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1905. The controller 1905 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the portable card terminal 1800, and / or matches the key event. Instructions for executing the air-defined predetermined function is characterized in that acquisition. The key input unit 1920 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the portable card terminal 1800.

The key input device interoperating with the key input unit 1920 may include a keypad device including 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 at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an exemplary embodiment of the present invention, the key input unit 1920 may provide key data (eg, payment) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the portable card terminal 1800. It is preferable to perform the function of the key input means for receiving the amount, etc., and also in the process of providing a card payment agent service for the mobile merchant from the key input device for the card payment agent service for the mobile merchant according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 1920 may include an operation mode of the portable card terminal 1800 in the initial mode and / or the general payment mode for the mobile affiliated store according to the present invention. It is desirable to have a key button for switching to the payment mode for the card payment agency service.

The screen output unit 1915 may be a liquid crystal display (LCD) and / or a CRT (or LCD) by the controller 1905 while the portable card terminal 1800 performs a predetermined function (for example, an electronic payment processing function). Cathode Ray Tube) outputs at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a cathode ray tube through a predefined interface screen, the screen output unit ( 1915 and the screen output device interoperate with each other to perform the function of the screen output means provided in the portable card terminal 1800.

The predefined information or data to be output from the portable card terminal 1800 to the screen output device may be provided in the key data input through the key input unit 1920 and / or in the portable card terminal 1800. Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the local area communication unit 1930, and / or a predetermined operation result performed by the portable card terminal 1800 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 1915 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the portable card terminal 1800. It is preferable to perform a function of a screen output means, and also outputs a processing screen corresponding to the step of providing a card payment agent service for the mobile affiliate store to the screen output device for the card payment agent service for the mobile affiliate store according to the present invention. It is preferable to perform the function of the screen output means.

The short range communication unit 1930 connects a short distance communication channel with a predetermined network access device 1805 while the portable card terminal 1800 performs a predetermined function (eg, an electronic payment processing function). It provides a short-range communication means for connecting the communication server for transmitting and receiving information and the relay server 100 is connected through the connection device 1805, and connecting the communication channel (or communication session) by software Communication protocol and / or driver.

According to an embodiment of the present invention, the near field communication means may include at least one of Bluetooth, Wi-Fi, Ultra Wide Band system (UWB), Infrared Ray communication, and Radio Frequency (RF) communication. It is preferable to include, and the local area communication means may include a cable communication such as USB (Universal Serial Bus) according to the intention of those skilled in the art.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the short-range communication means, a detailed description thereof will be omitted for convenience.

The secure application module 1935 (SAM) is a confidentiality and / or authentication (required in the process of performing the electronic payment and / or electronic payment by the portable card terminal 1800 using the card ( Security requirements, including Authentication and / or Integrity and / or Nonrepudiation, may be stored in the portable card terminal 1800 without using an authentication server (or relay server 100) on a payment network. As a safety device for performing a secure and reliable structure in the above, a predetermined message processed in the process of performing the predetermined security request function (for example, electronic payment and / or electronic payment function) of the portable card terminal 1800 ( Information or data), add an authenticator to prevent forgery (or tampering) of the message, or perform the security request function. And characterized in that it performs a function that stores important key information.

In general, the security application module 1935 preferably consists of a predetermined security application module 1935 inserter and a security application module 1935 chip, the security application module 1935 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 1935 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the portable card terminal 1800 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one or more application keys) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, Registration card, authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / revocation) / Initialization / reprocessing / cancellation command).

The print output unit 1940 may include predetermined information or data (eg, payment processing result information) generated as a result of the portable card terminal 1800 performing a predetermined function (eg, an electronic payment processing function) and / or as a result. Or data) to a predetermined printing device (eg, a receipt printer), and a printing protocol and a driver for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. It is made to include.

Referring to FIG. 19, the portable card terminal 1800 has an operation mode of the portable card terminal 1800 in order to provide a card settlement agent service for a mobile affiliate store according to the present invention. A mode check unit 1955 for confirming whether the payment mode corresponds to a service, and when the operation mode of the portable card terminal 1800 is the payment mode, the card reader 1910 from the customer card. Reading and inputting predetermined payment means information for a card payment agent service for a mobile merchant, and / or payment for a card payment agent service for the mobile merchant from a predetermined key input means through the key input unit 1920 An information input unit 1960 for inputting information (for example, a payment amount and an installment month), and the payment means input through the information input unit 1960 An information generation unit 1965 for generating payment approval request information including information and payment information, and an information transmission unit for transmitting the generated payment approval request information to the relay server 100 through the local area communication unit 1930. 1970 and payment approval information including payment processing details corresponding to the payment approval request information from the relay server 100 through the short-range communication unit 1930, and the payment processing included in the payment approval information. And an information processor 1975 for outputting the details through the screen output unit 1915 and / or through the print output unit 1940.

The mode checking unit 1955 checks whether the operation mode of the portable card terminal 1800 periodically (or in response to the payment mode switch key event) is a payment mode corresponding to a card payment agent service for the mobile affiliate store. Characterized in that.

If the check result is that the operation mode of the portable card terminal 1800 is not the payment mode, the portable card terminal 1800 performs a conventional electronic payment processing function, while the operation mode of the portable card terminal 1800 is When the payment mode is confirmed, the mode confirmation unit 1955 outputs the payment mode confirmation result through the screen output unit 1915 and then provides the information input unit 1960.

The information input unit 1960 is a card payment agent for the mobile merchant from the customer card through the card reader unit 1910 to process the electronic payment corresponding to the payment mode for the card payment agency service for the mobile merchant. It is characterized in that the predetermined payment means information for the service to read and input, the input payment means information is provided to the information generating unit (1965).

In addition, the information input unit 1960 to the mobile affiliate store from the predetermined key input means through the key input unit 1920 to process the electronic payment corresponding to the payment mode for the card payment agency service for the mobile affiliate store; Characterized in that the payment information for the card payment agent service for inputting, the input payment information is provided to the information generating unit (1965).

The information generation unit 1965 generates payment approval request information including the payment means information and the payment information input through the information input unit 1960, and the information includes the payment approval request information. Provided to the transmitter 1970.

According to the exemplary embodiment of the present invention, the information generating unit 1965 preferably includes the portable card terminal 1800 unique information stored in the memory unit 1950 in the payment approval request information as the mobile affiliate store information. .

In addition, the information generation unit 1965 generates a predetermined document serial number for settlement processing of the settlement amount corresponding to the settlement amount included in the settlement agency and the settlement information and include it in the settlement approval request information. desirable.

The information transmitter 1970 transmits the payment approval request information generated by the information generator 1965 to the relay server 100 through the short range communication unit 1930. The relay server 100 performs a predetermined payment processing procedure for providing a card settlement agent service for the mobile affiliate store through the payment approval request information, and then the payment approval details or payment errors corresponding to the payment processing result. A payment processing history corresponding to any one of the details is generated, and predetermined payment approval information including the payment processing history is generated and transmitted to the portable card terminal 1800 through the payment network.

According to an embodiment of the present invention, when the wireless communication network connected to the local area communication unit 1930 is an open network (eg, a network accessible to a third party for transmission and reception packets), the information transmission unit 1970 may provide the information. Preferably, the payment approval request information generated by the generation unit 1965 is encrypted by at least one or more encryption methods, and then transmitted to the relay server 100 through the short range communication unit 1930, and the encrypted payment approval request information. Is decrypted by the relay server 100.

After the payment approval request information is transmitted to the relay server 100 through the information transmitting unit 1970, the information processing unit 1975 transmits the relay server 100 on the payment network through the local area communication unit 1930. Periodically (or in response to an information receiving event of the local area communication unit 1930), the payment approval information including the payment processing history corresponding to the payment approval request information is received from the terminal.

If payment approval information including payment processing details corresponding to the payment approval request information is received through the short-range communication unit 1930, the information processing unit 275 may include a payment processing history (eg, included in the payment approval information). Payment approval details, or payment error details) is output through the screen output unit 1915, and / or through the print output unit 1940, characterized in that for outputting, thereby to the mobile affiliated store The electronic payment procedure for the card payment agent service is completed.

20 is a diagram illustrating a payment approval request information structure for the card payment agent of the mobile merchant according to another embodiment of the present invention.

More specifically, FIG. 20 illustrates a payment approval request information structure generated for a card payment of a mobile affiliate store in a predetermined portable card terminal 1800, and specifically, read from a customer card in the portable card terminal 1800. If the payment means information includes credit card information, the payment approval request information structure generated for the card payment agent of the mobile merchant based on the credit card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to correspond to each payment means information (e.g., check card, debit card, prepaid card, etc.) as intended by those skilled in the art. It will be able to infer various payment approval request information structure for the card payment agent of the mobile merchant, the present invention includes all the inferred implementation method, this payment approval request information structure is limited to that illustrated in Figure 20 It never happens.

Referring to Fig. 20, the payment approval request information structure includes two-byte transaction identification information, ten-byte Terminal_ID information, card number information within 19 bytes (or 16 bytes), and a 4-byte validity period. Information, two-byte installment number of months information, nine-byte length total amount information, nine-byte length service fee information, and six-byte length document serial number information.

Those skilled in the art to which the present invention pertains can clearly understand the details of each information included in the payment approval request information based on the contents shown in FIG. Description is omitted.

According to an embodiment of the present invention, the terminal_ID information in the payment approval request information includes specific information of a predetermined portable card terminal 1800 corresponding to the portable card terminal 1800, and unique to the portable card terminal 1800. The information (mobile merchant information) is replaced by payment agency information in the relay server 100 that has received the payment approval request information.

In addition, the slip serial number information in the payment approval request information includes a predetermined slip serial number generated by the portable card terminal 1800, is used for settlement processing between the mobile merchant and the payment agency, the mobile affiliated store It is replaced by a predetermined document serial number generated by the payment agency in the relay server 100 for the card payment agency for.

According to another exemplary embodiment of the present invention, the document serial number information of the payment approval request information generated by the portable card terminal 1800 may be omitted, and the present invention is not limited thereto.

21 is a diagram illustrating an operation process of the portable card terminal 1800 according to another embodiment of the present invention.

More specifically, FIG. 21 illustrates a preferred operation process for the card payment proxy service of the mobile merchant in accordance with the present invention in the portable card terminal 1800 shown in FIG. 19 on the card payment system shown in FIG. Those skilled in the art to which the present invention pertains, various operations of the portable card terminal 1800 for the card payment agent service of the mobile merchant according to the present invention by referring to and / or modifying the Figure 21. It may be inferred, but the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 21, a mobile card terminal 1800 shown in FIG. 19 for a card payment agent service of a mobile affiliated store according to the present invention uses payment means information (eg, credit card information) from a customer card through a predetermined card reader. Reading credit card payment method information, or check card payment method information including check card information, or debit card payment method information including debit card information, or prepaid card payment method information including prepaid card information). In operation 2100, payment information including a payment amount and an installment month is input through a predetermined key input means.

Thereafter, the portable card terminal 1800 extracts, from the memory unit, the unique information of the portable card terminal 1800 to be included in the payment approval request information shown in FIG. 20, and also the payment approval request information shown in FIG. A document serial number to be included is generated (2105).

When at least one or more information to be included in the payment approval request information is secured as described above, the portable card terminal 1800 is the payment means information, payment information, portable card terminal 1800 unique information and the document serial number as shown in FIG. Generate payment approval request information including a (2110).

If encryption processing for the generated payment approval request information is not necessary (for example, if the portable card terminal 1800 is a closed network connected by a network connection device 1805 to which local area communication is connected) 2115, The portable card terminal 1800 transmits the payment approval request information to the relay server 100 provided in the payment agency through the network connection device 1805 (2120).

On the other hand, if the encryption processing for the generated payment approval request information is necessary (for example, the portable card terminal 1800 is connected to the network connection device 1805 to which the short-range communication is connected, the communication network is an open network (third to the transmission and reception packet) 2115), the portable card terminal 1800 performs an encryption procedure for the payment approval request information (2125).

According to an embodiment of the present invention, the encryption procedure for the payment authorization request information may include secret key (or symmetric key) based encryption, and / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange. It is preferable to include at least one or more of the base encryption.

If the encryption procedure for the payment approval request information is completed (2130), the portable card terminal 1800 is the encrypted payment to the relay server 100 provided in the payment agency through the network connection device 1805 The authorization request information is transmitted (2135).

After the payment approval request information is transmitted to the relay server 100 provided in the payment agency as described above, the portable card terminal 1800 receives payment corresponding to the payment approval request information through the network connection device 1805. It periodically checks whether predetermined payment approval information including processing details is received (2140).

If predetermined payment approval information including payment processing details corresponding to the payment approval request information is received through the network access device 1805 (2145), the portable card terminal 1800 receives the received payment approval information. The payment processing details included in the portable card terminal 1800 is output to the screen output means provided, and / or to the print output means provided to the portable card terminal 1800 (2150).

22 is a diagram illustrating an operation process of the relay server 100 of the payment agency for the card payment agent of the mobile merchant according to an embodiment of the present invention.

In more detail, FIG. 22 generates the payment approval request information shown in FIG. 20 through the process shown in FIG. 21 in the portable card terminal 1800 shown in FIG. When transmitting to the relay server 100 provided in the payment agency on the system, receiving the payment approval request information from the relay server 100 for the preferred operating process for the card payment agent service of the mobile merchant according to the present invention. If those skilled in the art to which the present invention pertains, various operations of the relay server 100 for the card payment agent service of the mobile merchant in accordance with the present invention by referring to and / or modified in this figure 22 It may be inferred, but the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 22, the payment approval request shown in FIG. 20 is performed through the process shown in FIG. 21 in the portable card terminal 1800 shown in FIG. 19 for the card payment agency service of the mobile merchant in accordance with the present invention. When the information is generated and transmitted, the relay server 100 receives the payment approval request information through the network connection device 1805 and checks whether the received payment approval request information is decoded (x00).

According to the exemplary embodiment of the present invention, if the received payment approval request information is encrypted through at least one encryption method in the portable card terminal 1800, the encrypted payment approval request information is a predetermined one corresponding to the encryption method. It is preferable to decrypt through a decoding method.

If the received payment approval request information is not decrypted (for example, if the received payment approval request information is not encrypted in the portable card terminal 1800) (x05), the relay server 100 may request the payment approval request. The portable card terminal 1800 included in the information replaces the unique information with the payment agency information (x20).

On the other hand, if it is necessary to decrypt the received payment approval request information (for example, if the received payment approval request information is encrypted through at least one encryption method in the portable card terminal 1800) (x05), the relay server 100 ) Performs a decryption procedure for the encrypted payment approval request information (x10), and when the decryption procedure for the encrypted payment approval request information is completed (x15), the relay server 100 performs the payment approval request information. And generate a predetermined payment approval request text including the payment agency information (x20), and transmit the generated payment approval request information to a predetermined payment server 140 through a predetermined bansa. (x25).

According to the exemplary embodiment of the present invention, the relay server 100 receives a predetermined payment approval request message sent from a payment terminal provided at a predetermined bansa server (for example, a conventional normal affiliated store). Bansa server to relay transmission to the payment server 140 of the), and then the bansa server the same information as the payment approval request message received from the payment terminal provided in the conventional normal merchant full payment approval request Through the process, the transmission of the payment approval request message is relayed to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request message.

According to another exemplary embodiment of the present invention, the relay server 100 is the payment approval to the payment server 140 provided in the card company corresponding to the payment means information included in the payment approval request text replaced with the payment agency information. It is possible to transmit the full text request, in this case the relay server 100 is to perform the function of the bansa server provided in the bansa.

FIG. 23 is a diagram illustrating a method of encrypting and transmitting payment approval request information in a symmetric key (or secret key) method in a portable card terminal 1800 according to an embodiment of the present invention.

More specifically, FIG. 23 illustrates an embodiment of the present invention for encrypting and transmitting the payment approval request information in a symmetric key (or secret key) method in a portable card terminal 1800 equipped with an encryption function as shown in FIG. In the art to which the present invention pertains, various modifications are made to refer to and / or modify this figure 23 to encrypt the payment approval request information in the portable card terminal 1800 in a symmetric key (or secret key) manner. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 23 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate (or security application module) provided in the portable card terminal 1800, the public certificate ( Or a security application module is an IC chip (or IC) of ID-000 type stored in a predetermined memory unit provided in the portable card terminal 1800 and / or mounted or detached from the portable card terminal 1800. Card) and / or stored in an IC card inserted into the IC card reader when the portable card terminal 1800 includes a predetermined IC card reader, and the present invention is not limited thereto. No.

According to another embodiment of the present invention, the symmetric key (or secret key) is stored in the memory unit provided in the portable card terminal 1800 in addition to the public certificate (or security application module), and / or relay server 100 It may be included in the interface screen provided to the portable card terminal 1800, and / or embedded in the communication program to communicate with the relay server 100 on the portable card terminal 1800, The invention is not limited thereto.

Referring to FIG. 23, the information generating unit 1965 of the portable card terminal 1800 includes a predetermined payment means information, payment information, unique information of the portable card terminal 1800, and a serial number of a slip. When the information is generated, it is provided to the information transmitting unit 1970 (2300). When the payment approval request information is provided, the information transmitting unit 1970 is provided with an authentication certificate (e.g., provided in the portable card terminal 1800). Or (2305) reads a predetermined symmetric key (or secret key) for encrypting payment approval request information from a security application module, and encrypts the payment approval request information through the read symmetric key (or secret key). (2310).

Here, the encryption function of the information transmitting unit 1970 is called E (Encryption), the symmetric key (or secret key) is k (key), the payment approval request information is P (Plaintext), and the symmetric key ( Or, if the payment approval request information encrypted with a secret key) C (Ciphertext), the encryption function of the information transmission unit 1970 can be expressed by the equation "Ek (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the payment approval request information through the symmetric key (or secret key) by the information transmitting unit 1970, SEED, DES (Data Encryption Standard), Triple-DES, At least one of Skipjack and International Data Encryption Algorithm (IDEA) is preferably included. Various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the payment approval request information is encrypted through the symmetric key (or the secret key) as described above, the short-range communication unit 1930 transmits the encrypted payment approval request information through the communication protocol corresponding to the network connection device 1805. Transmission to the relay server 100 (2315).

24 is a diagram illustrating a method of decrypting the payment approval request information encrypted and received by the relay server 100 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, FIG. 24 illustrates a symmetric key (or secret) of the payment approval request information received from the portable card terminal 1800 equipped with the encryption function as shown in FIG. 19 in the relay server 100 as shown in FIG. The method of decrypting by a key) method, and if the present invention has a general knowledge in the technical field to which the present invention belongs, and with reference to and / or modified this figure 24, the encrypted payment authorization in the portable card terminal 1800 Various implementation methods for decrypting request information in a symmetric key (or secret key) manner may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 24 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate (or security application module) provided in the relay server 100, the public certificate (or Security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, by which the present invention is not limited.

Referring to FIG. 24, the information receiving unit 105 of the relay server 100 receives the encrypted payment approval request information through the network connection device 1805 and provides the encrypted payment approval request information to the full text generation unit 120 (2400). ), The payment approval request information is preferably received through the communication protocol stack defined in the network connection device 1805.

Thereafter, the full text generation unit 120 extracts a predetermined symmetric key (or secret key) for decrypting the encrypted payment approval request information from the authorized certificate (or security application module) provided in the relay server 100. In step 2405, the encrypted payment approval request information is decrypted using the extracted symmetric key (or secret key) (2410).

Here, the decryption function of the full text generation unit 120 is referred to as D (Decryption), the payment approval request information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key). When C (Ciphertext) and the decrypted payment approval request information are P (Plaintext), the function of decrypting the encrypted payment approval request information by the full text generation unit 120 is "Dk = P, or Dk (Ek). It can be expressed by an expression such as (P)) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted payment approval request information through the symmetric key (or secret key) by the full text generation unit 120 may include SEED, DES (Data Encryption Standard), Triple- It is preferable to include at least one or more of DES, Skipjack, International Data Encryption Algorithm (IDEA), and various forms of decryption algorithms may be used, but the decryption algorithm is an encryption used in the portable card terminal 1800. Characterized by matching the algorithm, the present invention is not limited by a specific decoding algorithm.

When the payment approval request information encrypted through the symmetric key (or secret key) is decrypted as described above, the full text generation unit 120 generates the full text of the payment approval request including the decrypted payment approval request information and payment agency information. (2415)

FIG. 25 is a diagram illustrating a method for encrypting and transmitting payment approval request information in a public key based structure in a portable card terminal 1800 according to an embodiment of the present invention.

In more detail, FIG. 25 illustrates an embodiment of the present invention, which encrypts and transmits the payment approval request information in a public key infrastructure structure in a portable card terminal 1800 equipped with an encryption function as shown in FIG. 19. Those skilled in the art may refer to and / or modify this drawing 25 to infer various implementation methods for encrypting the payment approval request information in a public key manner in the portable card terminal 1800. The present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In this figure 25 according to the embodiment of the present invention, the server-side public key is preferably read from the public certificate (or security application module) provided in the portable card terminal 1800, and the public certificate (or security application). Module) is stored in a predetermined memory unit provided in the portable card terminal 1800, and / or in an IC chip (or IC card) of ID-000 type mounted or detached from the portable card terminal 1800. When the portable card terminal 1800 is provided with a predetermined IC card reader, it can be stored in an IC card inserted into the IC card reader, and the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate (or security application module) to the portable card terminal 1800. The present invention is not limited by this.

Referring to FIG. 25, the information generating unit 1965 of the portable card terminal 1800 includes a predetermined payment means information, payment information, a specific information of the portable card terminal 1800, and a serial number of a slip. When the information is generated, it is provided to the information transmitting unit 1970 (2500). When the payment approval request information is provided, the information transmitting unit 1970 receives the payment approval from the authorized certificate (or security application module). A predetermined server-side public key for encrypting the request information is extracted (2505), and the payment approval request information is encrypted (2510) using the extracted server-side public key.

Herein, the encryption function of the information transmission unit 1970 is called E (Encryption), the server-side public key is k1 (key), the payment approval request information is encrypted with P (Plaintext), and the server-side public key. When the payment approval request information is C (Ciphertext), the encryption function of the information transmitter 110 may be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the payment approval request information through the server-side public key is RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature). Algorithm, DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of encryption algorithms may be used, but in a specific encryption algorithm The present invention is not limited by this.

For example, when encrypting the payment approval request information through the RSA encryption algorithm among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n is a. And b, if the published index (e.g., 3 or 216+) is e, and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a -1) (b-1) ", wherein the encryption function of the information transmitter 1970 can be expressed as" C = Ek1 (P) = Pe mod n ".

If the payment approval request information is encrypted through the server-side public key as described above, the wireless communication unit transmits the encrypted payment approval request information to the relay server 100 through the network component (2515).

FIG. 26 illustrates a method for decrypting the payment approval request information encrypted and received by the relay server 100 in a public key based structure according to an embodiment of the present invention.

In more detail, in FIG. 26, a public key infrastructure scheme is used by the relay server 100 as shown in FIG. 18 to receive the payment approval request information encrypted and received from the portable card terminal 1800 equipped with the encryption function as shown in FIG. The present invention relates to an embodiment of the present invention, which, if known to those skilled in the art to which the present invention pertains, refers to and / or modifies the present invention with reference to FIG. 26 and encrypts with the server-side public key in the portable card terminal 1800. Various implementation methods for decrypting the authorization request information in a public key infrastructure structure may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

In FIG. 26 according to an embodiment of the present invention, the server-side private key for decrypting the payment approval request information encrypted with the server-side public key in a public key infrastructure structure may include the public certificate provided in the relay server 100. Or it is preferably read from the security application module, the public certificate (or security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, whereby the present invention It is not limited.

Referring to FIG. 26, the information receiving unit 105 of the relay server 100 receives encrypted payment approval request information through the network connection device 1805 and provides it to the full text generation unit 120 (2600). The payment approval request information may be received through a communication protocol stack defined in the network connection device 1805.

Thereafter, the full text generation unit 120 extracts a server side private key for decrypting the encrypted payment approval request information from the authorized certificate (or security application module) provided in the relay server 100 (2605). The encrypted payment approval request information is decrypted using the extracted server-side private key (2610).

Here, the decryption function of the full text generation unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), and the payment approval request information encrypted with the server-side public key is C (Ciphertext), and the When the payment approval request information decrypted by the server-side private key is called P (Plaintext), the function of decrypting the encrypted payment approval request information by the full text generation unit 120 is "Dk2 = P, or Dk2 (Ek (P)). ) = P ".

According to an embodiment of the present invention, an algorithm for decrypting the payment approval request information encrypted by the server-side public key in the portable card terminal 1800 through the server-generated private key is RSA (Ron). Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although a decryption algorithm may be used, the decryption algorithm is matched with an encryption algorithm used in the portable card terminal 1800, and the present invention is not limited to a specific decryption algorithm.

For example, when the payment approval request information is decoded through an RSA decryption algorithm among the public key based decryption algorithms, a public method (Modulus) used in the decryption process is not disclosed with n and different prime factors of n. If the fraction is a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b", where d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the full text generation unit 120 may be expressed as" P = Dk2 = Cd mod n ".

When the payment approval request information encrypted with the server-side public key is decrypted by the portable card terminal 1800 through the server-side private key as described above, the full text generation unit 120 decodes the payment approval request information and payment agency information. Generates a payment approval request text including a full text (2615).

27 is a diagram illustrating a method of encrypting and transmitting payment approval request information in an electronic envelope method in a portable card terminal 1800 according to an embodiment of the present invention.

More specifically, FIG. 27 is an embodiment of the present invention for encrypting and transmitting the payment approval request information by an electronic envelope method in a portable card terminal 1800 equipped with an encryption function as shown in FIG. 19. In the art, various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 27 and encrypting the payment approval request information in an electronic envelope method in the portable card terminal 1800. The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 27 according to the embodiment of the present invention, the server-side public key is preferably read from the public certificate (or security application module) provided in the portable card terminal 1800, and the public certificate (or security application). Module) is stored in a predetermined memory unit provided in the portable card terminal 1800, and / or in an IC chip (or IC card) of ID-000 type mounted or detached from the portable card terminal 1800. When the portable card terminal 1800 is provided with a predetermined IC card reader, it can be stored in an IC card inserted into the IC card reader, and the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate (or security application module) to the portable card terminal 1800. The present invention is not limited by this.

Referring to FIG. 27, the information generating unit 1965 of the portable card terminal 1800 includes a predetermined payment means information, payment information, a specific information of the portable card terminal 1800, and a serial number of a slip. When the information is generated, it is provided to the information transmitting unit 1970 (2700). When the payment approval request information is provided, the information transmitting unit 1970 transmits the payment approval request information to a secret key (symmetric). In operation 2705, a predetermined random secret key for encrypting using a key method is generated, and the payment approval request information is encrypted using the generated secret key.

Herein, the encryption function of the information transmitting unit 1970 is called E (Encryption), the secret key is r (random secret key), the payment approval request information is P (Plaintext), and the payment approval encrypted with the secret key. When the request information is referred to as C (Ciphertext), the encryption function of the information transmitter 1970 may be expressed by an equation such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the payment approval request information by the information transmitting unit 1970 using the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International). It is preferable to include at least one or more of Data Encryption Algorithm, and in addition, various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

Thereafter, the information transmitting unit 1970 encrypts the secret key (random secret key) used to encrypt the payment approval request information. For this purpose, the information transmitting unit 1970 performs the authentication certificate (or security application module). A predetermined server-side public key is extracted from the 2715, and the secret key is encrypted using the server-side public key (2720).

Here, the encryption function of the information transmitting unit 1970 is called E (Encryption), the server-side public key is encrypted with k1 (key), the secret key is r (random Secret key), and the server-side public key. When the secret key is C (Ciphertext), the encryption function of the information transmitting unit 1970 may be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the information transmitter 1970 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the information transmitting unit 1970 may be expressed as" C = Ek1 (r) = re mod n ".

If the payment approval request information is encrypted with the secret key and the secret key is encrypted with the server-side public key, the information transmission unit 1970 uses the payment approval request information and the server-side public key encrypted with the secret key. The transaction data associated with the encrypted secret key is generated and provided to the wireless communication unit (2725), and the wireless communication unit transmits the transaction data to the relay server 100 through a network component (2730).

FIG. 28 is a diagram illustrating a method of decrypting payment approval request information encrypted and received by the relay server 100 in an electronic envelope method according to an embodiment of the present invention.

In more detail, FIG. 28 shows the transaction in the relay server 100 as shown in FIG. 18, which receives transaction data including encrypted payment approval request information from the portable card terminal 1800 equipped with the encryption function as shown in FIG. The present invention relates to a method of decoding data by an electronic envelope method. If the present invention belongs to one of ordinary skill in the art, the electronic card in the portable card terminal 1800 may be referred to and / or modified with reference to FIG. Although various implementation methods for decrypting transaction data encrypted in the same manner may be inferred by the same electronic envelope method, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 28 according to an embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is read out from the authorized certificate (or security application module) provided in the relay server 100. Preferably, the public certificate (or security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, by which the present invention is not limited.

Referring to FIG. 28, the information receiving unit 105 of the relay server 100 receives predetermined transaction data including encrypted payment approval request information through the network connection device 1805 and receives the full text generation unit ( 120, the transaction data is preferably received via a communication protocol stack defined in the network connection 1805.

Thereafter, the full text generation unit 120 extracts a server-side private key for decrypting the encrypted secret key included in the transaction data from the public certificate (or security application module) provided in the relay server 100 ( 2805), by decrypting the secret key encrypted by the server-side public key in the portable card terminal 1800 through the extracted server-side private key (2810), a predetermined secret key for decrypting the payment approval request information is obtained. Extract (2815) and decrypt the payment approval request information using the extracted secret key (2820), and extract the payment approval request information encrypted with the secret key from the portable card terminal (1800) (2825). .

Here, the decryption function of the full-text generation unit 120 is called D (Decryption), the server-side private key is k2 (key), the secret key encrypted with the server-side public key is C (Ciphertext), and the server side. When the secret key decrypted with the private key is r (random secret key), the function of decrypting the encrypted secret key by the full text generation unit 120 is "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the portable card terminal 1800 through the server-side private key is RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding An algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the portable card terminal 1800, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the full-text generation unit 120 may be expressed as" P = Dk2 = Cd mod n ".

In addition, the decryption function of the full text generation unit 120 is referred to as D (Decryption), the secret key is r (random Secret key), the payment approval request information encrypted with the secret key (C (Ciphertext)), and When the payment approval request information to be decrypted is called P (Plaintext), the function of decrypting the encrypted payment approval request information by the full text generation unit 120 is "Dr = P, or Dr (Er (P)) = P". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the encrypted payment approval request information through the private key generation unit 120 may include SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA. It is preferable to include at least one or more of the International Data Encryption Algorithm, and various types of decryption algorithms may be used. However, the decryption algorithm is matched with the encryption algorithm used in the portable card terminal 1800. The present invention is not limited by the specific decoding algorithm.

When the payment approval request information is decoded as described above, the full text generation unit 120 generates the full text of the payment approval request including the decoded payment approval request information and payment agency information (2830).

29A and 29B illustrate a method of encrypting and transmitting payment approval request information in a key exchange method in a portable card terminal 1800 according to an exemplary embodiment of the present invention.

More specifically, FIGS. 29A and 29B illustrate an embodiment of the present invention for encrypting and transmitting the payment approval request information by a key exchange method in a portable card terminal 1800 equipped with an encryption function as shown in FIG. 19. Those skilled in the art may refer to and / or modify this drawing 29 to infer various implementation methods for encrypting the payment approval request information in a key exchange method in the portable card terminal 1800. The present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In this figure 29 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are preferably read from the certificate (or security application module) provided in the portable card terminal 1800. The certificate (or security application module) is stored in a predetermined memory unit provided in the portable card terminal 1800, and / or an IC chip of ID-000 type mounted on or detached from the portable card terminal 1800 ( Or an IC card inserted into the IC card reader when the portable card terminal 1800 is provided with a predetermined IC card reader. It is not limited.

Alternatively, the terminal-side private key and the server-side public key are extracted from a predetermined directory (not shown) operated and managed by an authentication authority that issues the certificate (or security application module) to the portable card terminal 1800. It is possible that the present invention is not limited thereby.

Referring to FIGS. 29A and 29B, the information generating unit 1965 of the portable card terminal 1800 includes predetermined payment means information, payment information, unique information of the portable card terminal 1800, and a document serial number. When payment approval request information is generated, it is provided to the information transmitting unit 1970 (2900). When the payment approval request information is provided, the information transmitting unit 1970 hashes the payment approval request information by a predetermined one-way hash. Create a message digest including a hash code of a predetermined length irrespective of the length of the payment approval request information, and generate an original message through the hash code (or message digest). One-way hash function that cannot be identified (or inferred) The portable card terminal 1800 and the relay server 100 use the same hash function to generate a predetermined message digest. And 2905, by encrypting the private key with the terminal side for the message digest and digital signature (2910).

Herein, the encryption function of the information transmitting unit 1970 is called E (Encryption), the terminal side private key is t1 (terminal side key), the message digest is m (message digest), and the terminal side private key is encrypted. When the digested message digest is C (Ciphertext), the digital signature function of the information transmitter 1970 may be expressed by an expression such as "Et1 (m) = C".

According to an embodiment of the present invention, the algorithm for encrypting the message digest by the information transmitting unit 1970 using the terminal-side private key includes RSA (Ron Rivest, Adi Shamir, Len Adleman), and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the digital signature function of the information transmitter 1970 can be expressed as" C = Et1 (m) = me mod n ".

In addition, the information transmitting unit 1970 generates a random secret key for encrypting the payment approval request information by a secret key (symmetric key) method (2915), and the payment approval Through the generated private key by linking the request information and the copy of the message digest encrypted with the terminal-side private key and a certificate (eg, a certificate including the terminal-side public key) included in the public certificate (or security application module). Encrypt (2920).

Here, the encryption function of the information transmitting unit 1970 is called E (Encryption), the secret key is r (random secret key), the payment approval request information and the copy of the certificate is encrypted with P (Plaintext), and the secret key When the payment approval request information and the copy of the certificate are referred to as C (Ciphertext), the encryption function of the information transmitting unit 1970 may be expressed by an equation such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the payment approval request information and the certificate copy through the secret key is SEED, Data Encryption Standard (DES), Triple-DES, Skipjack, It is preferable to include at least one or more of the International Data Encryption Algorithm (IDEA), and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

In addition, the information transmitting unit 1970 extracts a predetermined server-side public key from the public certificate (or security application module) in order to encrypt the secret key that encrypted the payment approval request information (2925), and the server The secret key encrypting the payment approval request information is encrypted using the side public key (2930).

Herein, the encryption function of the information transmitting unit 1970 is called E (Encryption), the server side public key is referred to as s1 (server side key), the secret key as r (random secret key), and the server side public key. If the encrypted secret key is C (Ciphertext), the encryption function of the information transmitting unit 1970 may be expressed by an expression such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the information transmitter 1970 through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman) and DSA (Digital Signature Algorithm). , DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above. Preferably, various types of encryption algorithms may be used. The invention is not limited.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the information transmitter 1970 may be expressed as" C = Es1 (r) = re mod n ".

The payment approval request information, the message digest encrypted with the terminal-side private key, and a copy of a certificate including the terminal-side public key are linked to each other and encrypted through the generated secret key, and the secret key is used to store the server-side public key. When encrypted through the information transmission unit 1970, the server side copies a certificate including the payment request information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key. Generates predetermined transaction data in association with a secret key encrypted with a public key, provides the generated transaction data to the wireless communication unit (2935), and the short-range communication unit 1930 transmits the transaction data through a network component. Transmission to the relay server 100 (2940).

30A and 30B illustrate a method of decrypting payment approval request information encrypted and received by the relay server 100 according to an embodiment of the present invention by a key exchange method.

More specifically, FIGS. 30A and 30B illustrate a relay server 100 as shown in FIG. 18, which receives transaction data including encrypted payment approval request information from a portable card terminal 1800 equipped with an encryption function as shown in FIG. 19. In the embodiment of the present invention for decrypting the transaction data by a key exchange method, if the present invention belongs to the general knowledge, the portable card terminal 1800 by referring to and / or modified in this figure 30 In the present invention, various implementation methods for decrypting the transaction data encrypted by the key exchange scheme may be inferred by the same key exchange scheme, but the present invention includes all the inferred implementation methods, and according to the implementation method illustrated in FIG. It is not limited.

In FIG. 30 according to the embodiment of the present invention, the server-side private key and the terminal-side public key for decrypting the transaction data in a key exchange method are provided with the authorized certificate (or security application module) provided in the relay server 100. Preferably, it is read from the, the official certificate (or security application module) is preferably stored in a predetermined database (not shown) in conjunction with the relay server 100, by which the present invention is not limited.

30A and 30B, the information receiving unit 105 of the relay server 100 receives transaction data including the payment approval request information encrypted through the network connection device 1805 (3000), Providing the transaction data to the full text generation unit 120 (3005), the transaction data is preferably received via a communication protocol defined in the network connection device 1805, and / or encrypted with the secret key And a copy of a certificate including the payment approval request information, the message digest encrypted with the terminal-side private key, and the terminal-side public key, and the secret key encrypted with the server-side public key.

Thereafter, the full text generation unit 120 extracts the server-side private key from the public certificate (or security application module) provided in the relay server 100 to decrypt the secret key encrypted with the server-side public key ( 3010, decrypting the private key through the server-side private key (3015), thereby decrypting a copy of the certificate including the message digest encrypted with the payment approval request information and the terminal-side private key and the terminal-side public key. The secret key for the extraction (3020).

Here, the decryption function of the full-text generation unit 120 is called D (Decryption), the server-side private key is s2 (server side key), the secret key encrypted with the server-side public key is C (Ciphertext), and the When the secret key decrypted with the server-side private key is r (random secret key), the function of decrypting the encrypted secret key by the full text generation unit 120 is "Ds2 = r, or Ds2 (Es1 (r)) = r ".

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the portable card terminal 1800 through the server-side private key is RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding An algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the portable card terminal 1800, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the full-text generation unit 120 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the full text generation unit 120 includes the message digest encrypted with the payment approval request information and the terminal-side private key using the extracted secret key and the terminal-side public key. By decrypting the copy of the certificate (3025), a copy of the certificate including the payment authorization request information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the full text generation unit 120 is referred to as D (Decryption), and the secret key is r (random secret key), the payment authorization request information encrypted with the secret key and the message encrypted with the terminal-side private key. C (Ciphertext), and a copy of the certificate containing the digest and the terminal-side public key, and a copy of the certificate containing the message digest and the terminal-side public key encrypted with the decrypted payment authorization request information and the terminal-side private key. Speaking of (Plaintext), the full text generation unit 120 decrypts a copy of the certificate including the encrypted payment approval request information and the message digest encrypted with the terminal-side private key and the terminal-side public key. = P, or Dr (Er (P)) = P ".

According to an embodiment of the present invention, a certificate copy including the message digest encrypted with the encrypted payment approval request information and the terminal-side private key and the terminal-side public key by the full text generation unit 120 through the secret key. The decryption algorithm may include at least one of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. However, the decryption algorithm is matched with the encryption algorithm used in the portable card terminal 1800, and the present invention is not limited by a specific decryption algorithm.

In addition, the full text generation unit 120 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (3030), thereby generating from the payment approval request information in the portable card terminal (1800). The transmitted message digest is extracted (3035).

Here, the decryption function of the full text generation unit 120 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the When the message digest decrypted with the terminal-side public key is m (Message Digest), the function of decrypting the encrypted message digest by the full text generation unit 120 is "Dt2 = m, or Dt2 (Es1 (r)) = m Can be expressed as an expression such as "

According to an embodiment of the present invention, the full text generation unit 120 decrypts the message digest encrypted with the terminal-side private key in the portable card terminal 1800 through the terminal-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding An algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the portable card terminal 1800, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key based decryption algorithm, n is a public method (Modulus) used in the decryption process, where n is a prime number not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e, the undisclosed index is d, the n satisfies "n = a * b", d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the full text generation unit 120 may be expressed as" P = Dt2 = Cd mod n ".

Subsequently, the full text generation unit 120 generates a predetermined message digest through the one-way hash function identical to the portable card terminal 1800 after receiving the received payment approval request information (3040), and generates the generated message digest. By comparing the decrypted message digest (3045), the validity of the received payment approval request information is checked.

If the generated message digest coincides with the decrypted message digest (3050), the full text generation unit 120 generates a full text of the payment approval request including the payment approval request information and the payment agency information (3055).

FIG. 31 is a diagram illustrating a specialized structure for requesting payment approval request for a card payment agent of a mobile merchant according to another embodiment of the present invention.

More specifically, FIG. 31 illustrates a payment approval request professional structure generated by the relay server 100, and specifically, unique to the portable card terminal 1800 of the payment approval request information generated by the portable card terminal 1800. It is for the payment approval request professional structure generated by replacing the information with the payment agency information, and the document serial number with a predetermined document serial number for the card payment agency of the mobile merchant.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 31 to correspond to each payment means information (e.g., check card, debit card, prepaid card, etc.) as intended by those skilled in the art. It will be possible to infer a variety of payment approval request professional structure for the card payment agency of the mobile merchant, the present invention includes all the implementation methods inferred, this payment approval request professional structure is limited to that illustrated in Figure 31 It never happens.

Referring to FIG. 31, the payment approval request full text structure may include at least one or more 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 is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval request text may include a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.), a Terminal_ID item, a POS Entry Mode item, and a TRACK II Data item (eg, an MS card TRACK). Credit card information obtained from the Primary Account Number (PAN) area and Additional Data (AD) and / or Discretionary Data (DD) areas, or credit card information obtained from the credit card file of the IC card). , The number of installment months, the total amount of money, and the service fee, which correspond to the credit card payment information after the predetermined file separator (File Separator, 0X1C), and also include the Working Key Index item, password item, product code item and slip Serial number entry and the like.

Those skilled in the art to which the present invention pertains can 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 the exemplary embodiment of the present invention, the unique information of the portable card terminal 1800 included in the Terminal_ID item in the payment approval request message is replaced with the payment agency information, and the serial number item is the relay server 100. It is replaced with the predetermined document serial number generated in.

32 is a diagram illustrating an operation process of the payment company 140 of the card company according to another embodiment of the present invention.

In more detail, FIG. 32 shows the entire payment approval request shown in FIG. 20 through the process shown in FIG. 22 in the relay server 100 on the card payment system shown in FIG. 18. When the transmission to the payment server 140 provided in the card company on the system, the payment server 140 for the operation process of receiving the payment approval request full text to perform a predetermined payment approval procedure, the technical field to which the present invention belongs If one of ordinary skill in the art, it will be able to infer various operations of the payment server 140 for the card payment agent service of the mobile merchant according to the present invention by referring to and / or modified in this figure 32, The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 32, the payment shown in Figure 20 through the process shown in Figure 22 in the relay server 100 on the card payment system shown in Figure 18 for the card payment agent service of the mobile merchant according to the present invention When transmitting the full approval request, the payment server 140 receives at least one payment approval request message and at least one or more necessary to perform a payment approval procedure such as the payment means information and payment information from the received payment approval request message. The payment approval related information is extracted (3200), and the requested payment approval procedure is performed through the payment approval request message through the extracted at least one payment approval related information (3205).

If one of ordinary skill in the art to which the present invention pertains, check means including payment means information (eg, credit card payment means information including credit card information, or check card information included in the full payment approval request) You will be familiar with each payment approval procedure corresponding to the card payment method information, the debit card payment method information including the debit card information, or the prepaid card payment method information including the prepaid card information). Is omitted for convenience.

If, as a result of performing the payment approval procedure, payment approval corresponding to the full payment approval request message fails (3210), the payment server 140 generates a predetermined payment processing history including a predetermined payment error detail ( 3215).

On the other hand, if the payment approval corresponding to the full payment approval request is successful as a result of performing the payment approval procedure (3210), the payment server 140 generates a predetermined payment processing history including a predetermined payment approval details ( 3220).

By performing the payment approval procedure as described above, when a predetermined payment processing history including the payment approval details or payment error details is generated, the payment server 140 performs a predetermined payment approval full text including the payment processing details. Generate (3225), the payment approval full text to the relay server 100 provided to the payment agency through the bansa with reference to payment agency information corresponding to the payment approval related information included in the full payment approval request request; Send (3230).

According to the exemplary embodiment of the present invention, when the payment approval details are included in the payment processing details, the payment server 140 is related to the payment approval for the purchase and / or settlement of the documents corresponding to the full payment approval request. It is desirable to store and manage the information in a predetermined database (not shown).

FIG. 33 is a diagram illustrating an operation process of a relay server 100 of a payment agency for card settlement agency and settlement processing of a mobile affiliate store according to another embodiment of the present invention.

In more detail, FIG. 33 is a payment server 140 on the card payment system shown in FIG. 18, which transmits a predetermined payment approval to the payment agency on the card payment system shown in FIG. 18 through the process shown in FIG. When the transmission to the provided relay server 100, the relay server 100 receives the payment approval full message for the operation process for the card payment agent and settlement processing of the mobile merchant, the present invention belongs to Those skilled in the art may refer to and / or modify this drawing 33 to infer various operation processes of the relay server 100 for a card payment agent service of a mobile merchant according to the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 33, the payment server 140 on the card settlement system of FIG. 18 includes a predetermined payment process through the process shown in FIG. 32 for the card payment agent service of the mobile merchant according to the present invention. When the payment approval message is transmitted, the relay server 100 receives the payment approval message, reads the payment processing history included in the received payment approval message, and checks whether the payment approval request is approved. (3300).

If the card payment is not approved as a result of reading the payment processing history (3305), the relay server 100 generates predetermined payment approval information including the payment processing history (3320), and the generated payment approval Information is transmitted to the wireless payment terminal 155 through the network connection device 1805 (3325).

On the other hand, if the card payment is approved as a result of reading the payment processing history (3305), the relay server 100 checks the mobile merchant information corresponding to the payment processing history included in the payment approval full text, and also the payment processing history After calculating the settlement amount information corresponding to (3310), the mobile merchant information and the settlement amount information is processed in association with the predetermined storage medium 135 and stored (3315).

According to the exemplary embodiment of the present invention, the checked mobile affiliated store information preferably includes unique information of the wireless payment terminal 155 included in the payment approval request text corresponding to the payment approval text.

In addition, the mobile merchant information is a document serial number included in the full payment approval request in the wireless payment terminal 155, and / or replaced by (or included) the full payment approval request by the specialized processing unit 125 It is preferable that the serial number is further included.

According to an embodiment of the present invention, the calculated settlement amount information includes settlement amount information included in the full payment approval request, and / or includes an amount excluding the card company fee among the settlement amounts, and It is preferable that the payment amount includes the amount excluding the bansa fee, and / or the payment amount includes the amount excluding the payment agency fee.

Subsequently, the relay server 100 generates predetermined payment approval information including the payment processing details (3320), and transmits the generated payment approval information to the wireless payment terminal 155 through the network connection device 1805. (3325).

34 is a diagram illustrating a process of settlement of a card payment amount to a mobile affiliate store according to another embodiment of the present invention.

More specifically, FIG. 34 shows that the card payment amount is moved by the payment agency after a card payment agent service through the portable card terminal 1800 provided in the mobile affiliate store is provided through the card payment system shown in FIG. 18. Regarding the process of settlement to an affiliated store, a person having ordinary knowledge in the technical field to which the present invention belongs, the amount settled for the card payment agent service of the mobile affiliated store according to the present invention by referring to and / or modifying the drawing 34. It will be able to infer various implementation process of the settlement process, but the present invention includes all of the inferred implementation method, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 34, a card company server having a settlement processing function for the card payment amount in FIG. 18 is referred to as a "card company server" for convenience, and a payment agency server for final settlement of the card payment amount to the mobile affiliate store. For convenience, it is called "payment agency server".

Referring to FIG. 34, after a card payment agency service is provided through a portable card terminal 1800 provided in the mobile affiliate store through the card payment system shown in FIG. 18, a predetermined card company (or slip purchase company) is authorized for the payment. The document purchase procedure corresponding to the full payment approval request is performed (3400).

Those skilled in the art to which the present invention pertains, since they will be familiar with the various implementation methods for the slip purchase procedure, a detailed description thereof will be omitted for convenience.

If the voucher purchase procedure is performed (3405), the card company server calculates the settled amount for the settlement amount corresponding to the voucher purchase (3410).

According to the method of the present invention, the calculated settlement amount is preferably made to include the amount of the credit card company fee from the settlement amount.

Alternatively, the calculated settlement amount is preferably made of the settlement amount including the amount limiting the card company fees and bansa fees.

When the settlement amount for the settlement amount corresponding to the purchase of the slip is calculated, the card company server deposits the settlement amount into the settlement agency through a predetermined financial system (3415).

According to the implementation method of the present invention, the financial system is a financial computer system in which the credit card company (or purchase company) financial account and the settlement agency financial account for the settlement processing is opened, wherein the settlement amount is the It is preferable to withdraw money from the credit card company (or slip purchase company) financial account through the financial system and process the deposit (or account transfer) to the payment agency financial account.

In the technical field to which the present invention pertains, a process in which the settlement amount is settled through the financial system (for example, the settlement amount is withdrawn from the credit card company (or slip purchase company) financial account and the settlement agency) The process of depositing directly (or account transfer) into a financial account, or the settlement amount is withdrawn from the credit card company (or voucher purchaser) financial account and directly deposited into the payment agency financial account (or account transfer) through the bansa account. Etc.), so a detailed description thereof will be omitted for convenience.

At this time, the payment agency server checks whether the settlement amount corresponding to the full payment approval request is received in connection with the financial system (3420). If the settlement amount corresponding to the full payment approval request is received (3425), In operation 3430, the payment agency server identifies a final settlement target mobile affiliate store that will process the settlement amount settled by the card company.

According to an embodiment of the present invention, the payment agency server queries the storage medium 135 through the document serial number corresponding to the settlement amount settled by the card company, thereby performing the final settlement of the settlement amount. It is desirable to check the mobile merchant.

Thereafter, the payment agency server calculates a final settlement amount for the mobile affiliate store (3435).

According to the exemplary embodiment of the present invention, when the settlement amount information stored in the storage medium 135 includes the limited amount of the card company fee, the bansa fee, and the payment agency fee from the payment amount included in the payment approval request text, The processing unit 115 extracts the settlement amount information linked to the mobile affiliate store information from the storage medium 135 to identify a predetermined settlement amount to be settled by the settlement agency to the mobile affiliate store.

Alternatively, when the settlement amount information stored in the storage medium 135 does not include the card company fee, the bansa fee, and the payment agency fee in the settlement amount included in the full payment approval request, the settlement processing unit 115. Extracts settlement amount information linked to the mobile affiliate store information from the storage medium 135 and subtracts at least one fee from the extracted settlement amount information to perform settlement processing from the settlement agency to the mobile affiliate store. Confirm the predetermined settlement amount.

When the final settlement amount for the mobile affiliate store is calculated as described above, the settlement agency server deposits the final settlement amount to the mobile affiliate store through a predetermined financial system and processes the settlement (3440).

According to an embodiment of the present invention, the financial system is a financial computer system in which the payment agency financial account and the engineering merchant financial account are opened for the settlement processing, and the settlement amount is set through the financial system. It is preferable that the withdrawal from the payment agency financial account is processed (or account transfer) to the mobile merchant financial account.

According to the present invention, a store temporarily opened in a high season and / or a specific area, and / or a store opened at a specific time in a special place (eg, food stalls, stalls, flea markets, market street stores, etc.), And / or stores that sell various goods on the street and / or in certain places (e.g., street discount temporary stores, etc.), and / or stores that always move and provide goods and / or services (e.g., vehicles) Type stores, etc.), and / or all commerce (e.g., door-to-door sales, etc.) that occur temporarily at specific places and / or streets, and / or businesses that deliver on demand of various buyers and / or stores that need to be delivered ( For example, there is an advantage of providing a card payment service at a mobile store (and / or flowable store) including at least one or more food delivery.

Claims (6)

delete delete delete Mobile store or roadside store not registered as an affiliate store of a mobile merchant-card company in a predetermined information storage means-storing the operator's wireless terminal (or portable terminal) unique information, mobile merchant information and payment agency information to the storage medium ; Receiving predetermined payment approval request information including payment means information and payment information from a wireless terminal (or a portable terminal) of the mobile merchant operator in the predetermined information receiving means; After first verifying the unique information of the wireless terminal (or portable terminal) that has transmitted the payment approval request information by a predetermined message generating means, the storage agent information connected to the identified unique information of the wireless terminal (or portable terminal) is stored in the storage medium. After confirming through the second, generating a predetermined payment approval request full text using the second confirmed payment agency information as merchant information; Transmitting the generated payment approval request text in a predetermined text transmission means to a predetermined payment server; And If the purchase slip payment amount corresponding to the payment approval request full text is deposited to the payment agency, processing a predetermined settlement processing means to deposit the entire amount or the fee excluding the deposit amount to the mobile merchant operator; Payment agency processing method, characterized in that made. delete A recording medium comprising a program for executing the method of claim 4.

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