KR101857706B1 - Virtual payment system and method thereof - Google Patents

Abstract

According to the present invention, in performing the virtual payment by switching the payment terminal of the purchaser to the virtual payment terminal of the seller, the virtual terminal number for switching to a plurality of merchant virtual payment terminals is stored in advance on the payment terminal of the purchaser The virtual terminal number of the seller stored in correspondence with the number key at the time of the virtual terminal switching can be easily selected and inputted through the shortcut key function, After the authentication is performed, the virtual settlement terminal is switched to the virtual settlement terminal, thereby securing the security in the process of converting the settlement terminal into the seller's virtual settlement terminal while increasing the convenience of the user.

Description

TECHNICAL FIELD [0001] The present invention relates to a virtual payment system,

The present invention relates to a card settlement system, and more particularly, to a card settlement system in which, in performing a virtual settlement by switching a settlement terminal of a buyer to a virtual settlement terminal of a seller, The virtual terminal number of the seller corresponding to the number key or the like stored in advance in the virtual terminal switching can be simply selected and inputted through the shortcut key function and the virtual terminal switching can be performed through the authentication information for authentication of the virtual terminal switching A virtual settlement system and a method for securing security in a process of converting a settlement terminal into a seller's virtual settlement terminal and increasing a convenience of a user by switching the settlement terminal to a virtual settlement terminal after authentication for a request is performed .

Generally, a payment terminal is installed in various stores that sell goods or services, so that a user can receive credit information or deposit information of a user through a credit card or a check card presented for payment of the goods or services instead of cash And to make payments by using them.

Such a payment terminal is usually a device that allows a payment to be made to a credit card presented by a user connected to a credit card company, or a check card that is recently issued for use in payment like cash for the amount deposited in a user's account Is also connected to the bank so that it is possible to process payment for the goods or services purchased by the user instead of cash, just like a credit card.

 If you use the above credit card or check card, it is possible to purchase goods or services without holding the cash directly. Due to its convenience, it is now possible to pay for the purchase of goods or services by credit card or check card The amount is a significant part.

FIG. 1 illustrates a configuration of a payment system using a credit card. Referring to FIG. 1, a payment operation using a credit card will now be described in detail. In FIG. 1, the use of a credit card is illustrated by way of example, but a check card is similarly processed.

First, when a credit card user makes a purchase request while presenting his / her own credit card 100 to the merchant payment terminal 110 to pay for the goods or services, the payment terminal 110 transmits a credit card (Hereinafter, referred to as " transaction approval request ") by combining the user information stored in the transaction terminal 100, transaction details generated by the payment terminal 110 installed at the merchant, and merchant information, (120). At this time, the merchant of the credit card may be a store selling pharmacies, department stores, specialty shops, restaurants, hotels, golf courses, travel agencies, gas stations, and other goods or services.

Next, the VAN relay system 120 that has received the transaction approval request message reads the credit card company information 130 included in the user information in the transaction approval request text and transmits the information related to the approval request to the credit card company 130 The combination is transmitted through a dedicated communication network.

Then, the credit card company 130 that has received the transaction approval request compares the user information, the transaction details, and the merchant information included in the transaction approval request with their own member data or merchant data, respectively, so that both the user and the merchant Whether there is no reason, and whether the transaction occurred between the two is valid.

The credit card 130 receives and stores the information related to the VAN company relay system 120 when receiving a transaction approval request from the VAN company relay system 120 and stores the transaction approval result in the transaction approval request relay record And provided to the relay system 120 of the VAN company.

Next, the VAN relay system 120 having received the transaction approval result reads out the merchant payment terminal 110 information included in the transaction approval result list and transmits the transaction approval request to the merchant payment terminal 110, To provide transaction approval results. Finally, the merchant payment terminal 110 that has received the transaction approval result from the VAN company's relay system 120 notifies the user of the payment result based on the transaction approval result.

However, in the conventional card settlement system as described above, in the case of a payment terminal installed in any store selling goods or services, settlement is possible only for goods or services sold by the business owner of the store, There is a problem in that it is not possible to settle the goods or services supplied from other companies or the like outside the company and thus it is inefficient.

That is, for example, when a person who operates a pharmacy receives medicines to be sold from a pharmaceutical company or the like and pays for the medicines supplied, the pharmaceutical company or the like carries a credit card payment terminal registered in his / her name It has been inconvenient for the pharmacist to settle or pay the pharmacy to the place where the credit card payment terminal registered in the name of the pharmaceutical company or the like is installed.

Therefore, it is expected that the convenience of use will be greatly increased if the payment terminal installed in the store can be switched to a third party who supplies the goods to the store as needed, that is, the virtual payment terminal of the seller.

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Korean Patent Publication No. 10-2013-0110808 (Published Oct. 10, 2013)

Accordingly, in the present invention, in performing the virtual settlement by switching the payment terminal of the purchaser to the virtual payment terminal of the seller, the virtual terminal number for switching to a plurality of seller virtual terminals is previously stored on the payment terminal of the buyer, The virtual terminal number of the seller stored in correspondence with the numeric key or the like in the virtual terminal switching can be easily selected and inputted through the shortcut key function and authentication for the virtual terminal switching request is performed through the authentication information for authentication of the virtual terminal switching The virtual settlement terminal is converted into a virtual settlement terminal so that the convenience of the user can be increased while ensuring security in the process of converting the settlement terminal into a seller's virtual settlement terminal.

The virtual payment system according to the present invention includes a settlement terminal capable of switching to a virtual settlement terminal of a third party, and a plurality of virtual terminal numbers connected to the settlement terminal through wire / wireless, A virtual terminal device for providing a virtual terminal number corresponding to the third party to the payment terminal when the virtual payment terminal is converted into a virtual payment terminal of a third party; The VAN server for identifying the third party corresponding to the terminal number and converting the payment terminal into the third payment terminal, and processing the payment information transmitted from the payment terminal as payment information of the third party, The identification number of the third party corresponding to the virtual terminal number of the third party and each virtual terminal number, Administration, and a virtual terminal management server for providing the virtual terminal number and the identification information to the VAN server.

In addition, the payment terminal may include a predetermined key for requesting switching to the virtual terminal on the keypad, or may implement the specific key by using a combination of a plurality of numeric keys or function keys on the keypad, And receives the virtual terminal number of the third party that is requested to switch to the virtual terminal in cooperation with the computing terminal device when the switching request is input, and transmits the virtual terminal number to the VAN server To request the switching of the virtual terminal.

In addition, the computing terminal apparatus may further include a specific application for providing the virtual terminal number to the payment terminal, wherein when the application is executed, The virtual terminal number of the terminal is retrieved and provided.

In addition, the VAN server recognizes the payment information transmitted from the payment terminal as payment information of the third party, and requests the credit card company or bank performing the payment transaction of the third party to approve the transaction of the payment information And processing the payment information as payment information of the third party.

The virtual terminal number is information for allowing the third party to virtually switch the payment terminal to the payment terminal of the third party, and the virtual terminal number is allocated to a different number according to a plurality of VANs.

Also, the third party may be a plurality of different sellers who sell an arbitrary article or service, and the payment terminal is a payment terminal of a buyer who purchases the goods or services.

According to another aspect of the present invention, there is provided a virtual payment method comprising the steps of: registering a plurality of virtual terminal numbers for converting a payment terminal to a virtual payment terminal of a third party in a computing terminal device connected to the payment terminal either wirelessly or wirelessly; Providing a virtual terminal number corresponding to the third party to the payment terminal in the computing terminal device when the terminal is converted into the virtual payment terminal of the third party; The method comprising: transmitting a request for switching to a terminal to a VAN server on a communication network; switching the payment terminal to a virtual payment terminal of a third party corresponding to the virtual terminal number in response to the switching request from the VAN server; When the virtual payment terminal is switched to the virtual payment terminal, The payment information includes the step of the processing to the third-party payment information.

In addition, the step of transmitting to the VAN server may include the steps of: receiving a request to switch from the payment terminal to the virtual settlement terminal of the third party; receiving, from the plurality of virtual terminal numbers, Receiving a virtual terminal number of a third party from the computing terminal apparatus, and transmitting the switching request including the virtual terminal number to the VAN server.

The step of processing the payment information by the third party may further include the steps of: recognizing the payment information transmitted from the payment terminal as payment information of the third party; and a credit card company or bank performing the payment transaction of the third party Requesting transaction approval for the payment information; and transmitting transaction approval details of the payment information to the payment terminal when the transaction approval is answered.

The virtual settlement system may further include a settlement terminal capable of switching to a virtual settlement terminal of a third party, a plurality of virtual terminal numbers connected to the settlement terminal by wire or wireless, A computing terminal device that transmits a virtual terminal number corresponding to the third party and payment information processed by the payment terminal to a PG server on the communication network when a conversion to a virtual payment terminal of a third party is requested; The PG server for storing identification information of the corresponding third party, identifying the third party corresponding to the virtual terminal number transmitted from the computing terminal device, and processing the payment information as payment information of the third party .

In addition, the payment terminal may include a predetermined key for requesting switching to the virtual terminal on the keypad, or may implement the specific key by using a combination of a plurality of numeric keys or function keys on the keypad, And recognizes the switching request.

In addition, the computing terminal device stores a virtual terminal number for converting the payment terminal into the virtual payment terminal of the third party, and when the payment terminal is converted into the virtual payment terminal, When the application is executed, the payment amount processed by the payment terminal in cooperation with the payment terminal is set as the payment information of the third party, To the PG server.

Also, the PG server may recognize the payment information transmitted from the computing terminal device as payment information of the third party, and approve a transaction with the credit card company or the bank performing the payment transaction of the third party And processing the payment information as payment information of the third party.

According to another aspect of the present invention, there is provided a virtual payment method comprising the steps of: registering a plurality of virtual terminal numbers for converting a payment terminal to a virtual payment terminal of a third party in a computing terminal device connected to the payment terminal either wirelessly or wirelessly; Searching for a virtual terminal number corresponding to the third party in the computing terminal device when the terminal is converted into the virtual payment terminal of the third party; Transmitting the payment information to the PG server on the communication network; and processing the payment information in the PG server as payment information of the third party corresponding to the virtual terminal number.

The step of processing the payment information of the third party may further include the steps of recognizing the payment information transmitted from the computing terminal device as payment information of the third party, Requesting transaction approval for the payment information, and transmitting transaction approval details of the payment information to the computing terminal device when the transaction approval is answered.

The virtual settlement system may further include a plurality of virtual terminal numbers for switching to a virtual settlement terminal of a third party and storing a plurality of virtual terminal numbers for switching to a virtual terminal corresponding to a selected one of the virtual terminal numbers, A payment terminal for receiving the authentication information for authenticating the conversion request and transmitting the conversion request to the VAN server connected to the communication network when the authentication information for authenticating the conversion request is received and receiving the virtual terminal number and authentication information according to the conversion request from the payment terminal And if the authentication information matches the authentication information registered in the virtual terminal number of the third party, the payment terminal is switched to the virtual payment terminal of the third party after identifying the third party corresponding to the virtual terminal number The settlement information transmitted from the payment terminal to the payment information of the third party The virtual terminal number of the third party and the authentication information for authentication of the virtual terminal number and manages the virtual terminal number and the virtual terminal number of the third party in association with the VAN server, And a management server.

In addition, the payment terminal may include a predetermined key for requesting switching to the virtual terminal on the keypad, or may implement the specific key by using a combination of a plurality of numeric keys or function keys on the keypad, When the switching request is input, the virtual terminal number and the authentication information are requested to be input.

Also, the payment terminal registers and stores one virtual terminal number in each of the number keys existing on the keypad. If a specific number key is input on the keypad after the switching request is input, The input of the virtual terminal number is converted into the input mode of the authentication information and the information input through the numeric key or the function key on the keypad or the card recognition And the information stored in the card is input as the authentication information.

In addition, the payment terminal receives the payment information when the change request is approved from the VAN server, and transmits the payment information to the VAN server.

In addition, the VAN server may check whether the virtual terminal number is a virtual terminal number that can be processed by the VAN server when receiving the switching request from the payment terminal, and if the virtual terminal number is the processable virtual terminal number, Checking whether the authentication information coincides with the authentication information registered in the virtual terminal number in cooperation with the server, and switching the payment terminal to the virtual settlement terminal of the third party if the authentication information matches the authentication information registered in the virtual terminal number.

In addition, the VAN server recognizes the payment information transmitted from the payment terminal as payment information of the third party, and requests the credit card company or bank performing the payment transaction of the third party to approve the transaction of the payment information And processing the payment information as payment information of the third party.

The virtual terminal management server manages the payment information in connection with the authentication information when receiving payment information of the third party from the VAN server, and when the request is made by the third party, And provides the payment information to the third party.

Also, the authentication information is information used to check whether the virtual terminal number is transmitted normally in the VAN server, and the authentication information is generated from a plurality of different information to be associated with one virtual terminal number.

The virtual terminal number is information for allowing the third party to virtually switch the payment terminal to the payment terminal of the third party, and the virtual terminal number is allocated to a different number according to a plurality of VANs.

Also, the third party may be a plurality of different sellers who sell an arbitrary article or service, and the payment terminal is a payment terminal of a buyer who purchases the goods or services.

According to another aspect of the present invention, there is provided a virtual settlement method comprising the steps of: registering a plurality of virtual terminal numbers for switching to a virtual terminal of a third party in a payment terminal; switching from the payment terminal to a virtual terminal Transmitting the request to the VAN server connected to the communication network, switching the payment terminal to the virtual settlement terminal of the third party in response to the conversion request at the VAN server, Receiving payment information from the VAN server and transmitting the payment information to the VAN server; and receiving the payment information from the VAN server and processing the payment information of the third party corresponding to the virtual terminal number.

In addition, the step of transmitting to the VAN server may include the steps of: receiving a request for switching from the payment terminal to the virtual terminal; inputting a conversion request virtual terminal number among the plurality of virtual terminal numbers Receiving the authentication information for authenticating the virtual terminal number when the virtual terminal number is input; and transmitting the switching request including the authentication information and the virtual terminal number to the VAN server .

Also, in the step of receiving the virtual terminal number, the payment terminal recognizes the number key present on the keypad as a shortcut key, reads out the virtual terminal number registered in advance in the number key, and receives the input in the virtual terminal number .

The step of switching to the virtual settlement terminal may include the steps of: checking whether the virtual terminal number received from the payment terminal in the VAN server is a virtual terminal number that can be processed; Checking whether the information matches the authentication information registered in the virtual terminal number; and if the authentication information matches the authentication information registered in the virtual terminal number, checking the payment terminal to the third terminal To a virtual payment terminal.

The step of processing the payment information by the third party may further include the steps of: recognizing the payment information transmitted from the payment terminal as payment information of the third party; and a credit card company or bank performing the payment transaction of the third party Requesting transaction approval for the payment information; and transmitting transaction approval details of the payment information to the payment terminal when the transaction approval is answered.

According to the present invention, in the virtual settlement by switching the payment terminal of the purchaser to the virtual settlement terminal of the seller, the virtual terminal number for switching to a plurality of seller virtual terminals is previously stored on the payment terminal of the buyer, The virtual terminal number of the seller stored in correspondence with the numeric key or the like in the virtual terminal switching can be easily selected and input through the shortcut key function, thereby increasing convenience in use.

In addition, after the authentication for the virtual terminal switching request is performed through the authentication information for authentication of the virtual terminal switching, the virtual payment terminal is switched to the virtual payment terminal, thereby securing security in the process of switching to the virtual payment terminal There is an advantage to be able to.

Further, there is an advantage in that authentication information can be provided as different information for each salesperson who can identify each salesperson, so that payment information through the seller's virtual terminal can be easily managed as salesperson information per salesperson.

1 is a configuration diagram of a payment system using a credit card,
2 is a configuration diagram of a virtual payment system using a switchable payment terminal according to an embodiment of the present invention;
3 is a detailed block diagram of a switchable payment terminal according to an embodiment of the present invention.
4 is a flowchart of a virtual settlement signal processing in a virtual settlement system according to an embodiment of the present invention.
5 is a configuration diagram of a virtual payment system using a switchable payment terminal according to another embodiment of the present invention.
6 is a detailed block diagram of a computing terminal apparatus according to another embodiment of the present invention;
FIG. 7 is a flowchart of a virtual settlement signal processing in a virtual settlement system according to another embodiment of the present invention; FIG.
8 is a configuration diagram of a virtual payment system using a switchable payment terminal according to another embodiment of the present invention.
FIG. 9 is a detailed block diagram of a switchable payment terminal according to another embodiment of the present invention; FIG.
10 is a flowchart of a virtual settlement signal processing in a virtual settlement system according to an embodiment of the present invention.

Hereinafter, the operation principle of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions of the present invention, and these may be changed according to the intention of the user, the operator, or the like. Therefore, the definition should be based on the contents throughout this specification.

2 illustrates a configuration of a virtual settlement system using a switchable settlement terminal according to an embodiment of the present invention.

Hereinafter, the operation of each component of the virtual settlement system of the present invention will be described in detail with reference to FIG.

First, the payment terminal 200 is installed in a business store selling goods or services, and when a customer presents a credit card or a check card as a payment means for goods or services purchased in the store in addition to cash, And payment of the cost for the purchased item or service for the check card.

The payment terminal 200 is connected to a VAN server 210 that relays payment processing between a credit card company 230 authorizing a transaction for credit card payment or a bank 230 authorizing a transaction for a check card payment And transmits payment information via a credit card or a check card to the VAN server 210 to request payment processing, receives a transaction approval response via the VAN server 210, . At this time, these sales slips can usually be printed two, one provided to the guest and the like, and the other provided to the credit card company / bank 230.

In addition, when the owner of the store purchases goods or services to a salesperson of another company who visited his / her store, the payment terminal 200 is switched to the virtual payment terminal of the third party by the business owner, The third party merchant 240 may be operated as a virtual payment terminal. Hereinafter, an employer who switches his / her payment terminal to the virtual payment terminal of the seller 240 for payment of the purchased goods or services is referred to as a purchaser if necessary for explanation.

In this way, the business owner of the store who switches the payment terminal 200 to the virtual payment terminal of the seller 240 can use the credit card or the check card of his / her own to purchase the goods or service from the salesperson, 200, and the payment information is processed by the VAN server 210 as the payment information of the seller 240, so that payment can be made even if the salesperson does not have a separate mobile payment terminal , The owner of the shop, which is the purchaser, can settle the purchased goods or services using his / her payment terminal without moving to the place where the payment terminal of the seller 240 is located.

The computing terminal device 250 is connected to the payment terminal 200 as a terminal device such as a desktop PC, a tablet PC, a notebook computer or the like and is connected to the computing terminal device 250 by wire or wirelessly, A plurality of virtual terminal numbers corresponding to a third party are stored. When the payment terminal 200 is converted into a virtual settlement terminal of a third party, the virtual terminal numbers corresponding to the third party are linked with the payment terminal 200 To the terminal (200).

At this time, the VTL vendor 240 necessary to switch the payment terminal 200 of the buyer to the virtual payment terminal of the seller 240 for a large number of sellers 240 having frequent transactions, for example, Information such as a virtual terminal number allocated in advance may be stored in advance.

In addition, a specific application for providing a virtual terminal number to the payment terminal 200 may be installed in the computing terminal device 250 so that the computing terminal device 250 can be interlocked with the payment terminal 200. For example, The search and selection of a plurality of virtual terminal numbers necessary for switching to a virtual payment terminal of a third party that is interlocked between the computer terminal device 250 and the payment terminal 200 and stored in advance in the computing terminal device 250 . ≪ / RTI >

When the virtual terminal number is stored in advance in the computing terminal device 250 connected to the payment terminal 200 via wire / wireless communication, the corresponding store owner who is the buyer transmits his / After inputting a key input requesting the conversion to the virtual settlement terminal, a virtual terminal number of the seller 240 providing the goods or services purchased by the virtual terminal numbers of the plurality of registered sellers 240 is selected and input can do.

At this time, the key input for requesting the conversion to the virtual settlement terminal is performed by key input of a specific key separately implemented on the keypad 205 of the settlement terminal 200 or key input through input of a combination of a plurality of numeric keys or function keys .

In this case, the settlement terminal 200 can be switched to the virtual terminal switching mode according to the execution of the switching request key input to the virtual payment terminal, and in the virtual terminal switching mode, The virtual terminal number selected by the user may be transmitted to the VAN server 210 and may be requested to switch to the virtual payment terminal of the third party after receiving a plurality of virtual terminal numbers stored in the computing terminal device 250, .

At this time, the search and selection of the virtual terminal number may be selected by the user in a state in which a plurality of virtual terminal numbers are displayed on the execution screen of a specific application on the display unit of the computing terminal device 250, The number may be displayed on the display unit of the payment terminal 200 through the keypad 205 on the payment terminal by the user.

Meanwhile, when the conversion request is accepted through the virtual terminal number and is converted into the virtual payment terminal, the payment terminal 200 receives the payment information by the buyer and transmits the input payment information to the VAN server 210 Request transaction approval. Then, when the transaction approval is answered, the payment history information is output as the sales slip.

At this time, the purchaser may be a pharmacy, for example, and the seller 240 using the payment terminal 200 as a virtual payment terminal may be a pharmaceutical company that manufactures and supplies various medicines, for example, But is not limited thereto.

Next, the VAN server 210 is located between the communication terminal 200 and the credit card company / bank 230, and is operated by a plurality of VANs providing payment approval and relay services such as credit cards and check cards Can be referred to as a server.

That is, when the payment processing using the credit card or the check card is requested from the payment terminal 200, the VAN server 210 transmits the credit transaction requested by the payment terminal 200 to the credit card company / And informs the payment terminal 200 that the payment processing requested by the credit card company / bank 230 or the like has been normally performed when the transaction is normally approved.

When the VAN server 210 receives a request to switch from the payment terminal 200 to the virtual payment terminal of a third party such as the seller 240 according to the embodiment of the present invention, And converts the payment terminal 200 into a virtual payment terminal of the corresponding seller 240 identified by the virtual terminal number and then transmits the payment information transmitted from the payment terminal 200 to the payment information of the seller 240 .

In this virtual terminal switching process, when the VAN server 210 receives a switching request from the payment terminal 200 to the virtual payment terminal, it checks whether the virtual terminal number is a virtual terminal number that can be processed by the VAN server 210 And identifies the seller 240 corresponding to the virtual terminal number when the virtual terminal number is processable. At this time, since the virtual terminal number assigned to the seller 240 can be differently assigned to each VAN company, the VAN server 210 can not recognize the virtual terminal number of the seller 240, It is to check whether it is number.

When the virtual terminal number is checked to be a virtual terminal number that can be processed by the VAN server 210, the VAN server 210 converts the payment terminal 200 into a virtual payment terminal of the seller 240.

The VAN server 210 converts the payment terminal 200 into a virtual payment terminal of the seller 240 corresponding to the virtual terminal number and then transmits the payment information transmitted from the payment terminal 200 to the seller 240 As the payment information of the user.

The virtual terminal management server 220 stores the virtual terminal numbers allocated to the VAN shops for the plurality of sellers 240 registered by the seller 240 in the virtual terminal information DB 227 on the storage unit 225, do. The virtual terminal number managed as described above is provided to the VAN server 210 so that it can be used to check the virtual terminal number of the seller 240 transmitted from the payment terminal 200. [

The virtual terminal management server 220 receives the payment history information for each seller 240 generated in the payment terminal 200 after switching to the virtual payment terminal through the interworking with the VAN server 210, Merchant-specific payment information DB 229, and provides the payment history information managed when there is a request from the seller 240. [

3 is a detailed block diagram of a payment terminal according to an embodiment of the present invention. Hereinafter, operation of each component of the payment terminal 200 of the present invention will be described in detail with reference to FIG. 2 and FIG.

First, the communication unit 300 is connected to the VAN server 210 through a wired or wireless communication network, and performs data transmission and reception for credit payment processing of an article or service using a credit card, a check card, or the like. The communication unit 300 is connected to the VAN server 210 according to an embodiment of the present invention to transmit and receive data for converting the payment terminal 200 into a seller's virtual payment terminal, And performs data transmission / reception for payment information processing and the like. Also, the communication unit 300 receives virtual terminal number information stored in the computing terminal device 250 connected to the computing terminal device 250 through a wired / wireless communication network according to an embodiment of the present invention.

The card recognizing unit 302 is a device for recognizing a credit card or a check card, and recognizes a credit card or a check card provided from a user or the like upon purchase of an article or service, and reads information contained in the card. At this time, the above-mentioned credit card or check card may be a magnetic card, an IC card, a smart card, or the like, and the card recognizing unit 302 may read the information contained in the card from a magnetic card, an IC card, And may include conventional means.

The printing unit 304 prints a receipt or a sales slip on the basis of the purchase of the goods or services that have been settled from the settlement terminal 200 on a previously prepared paper and outputs the printed slip.

The display unit 306 displays information on various operating states of the payment terminal 200 under the control of the controller 308 and displays result data corresponding to the user's request input through the keypad 205. [ In addition, according to the embodiment of the present invention, the control unit 308 can display a message for requesting the input of the virtual terminal number in the switching operation to the virtual payment terminal. Here, the user refers to a person who operates the payment terminal 200, and may be an employee or an employer of the store where the payment terminal 200 is installed. In order to settle the price of goods or services purchased from a salesperson who provides goods or services to his / her store in accordance with the embodiment of the present invention, In the case where payment is made by switching to a virtual payment terminal, the purchaser is referred to as a concept corresponding to the seller for convenience of explanation in the following description.

The keypad 205 may include a plurality of numeric keys or function keys for requesting various operations of the payment terminal 200. When a predetermined key is input by the user, the corresponding key data is generated by the controller 308, .

The keypad 205 may include a card payment key for issuing a receipt or sales slip for a corresponding amount when making a payment using a credit card or a check card, and may be operated to output the corresponding receipt or sales slip The receipt output key may be included.

In addition, the keypad 205 may include a virtual terminal switching key for inputting a request to convert the payment terminal 200 into a seller's virtual payment terminal according to an embodiment of the present invention. The virtual terminal switch key may be implemented as a separate key on the keypad 205 or a combination of a plurality of numeric keys or function keys.

The control unit 308 controls the overall operation of the payment terminal 200 according to the operation program stored in the memory unit 310. [ In addition, according to the embodiment of the present invention, when there is a request by the user to switch the payment terminal 200 to the seller's virtual payment terminal, the VAN server 210 requests the VAN server 210 to switch the virtual terminal through the communication unit 300, When the VAN server 210 accepts the virtual terminal change request, the payment terminal 200 controls the virtual terminal to operate as a seller's virtual payment terminal.

For example, when the user desires to switch the payment terminal 200 to the virtual settlement terminal of the seller, the user inputs a key of a specific key implemented on the keypad 205 or a combination of a plurality of numeric keys or function keys, The control unit 308 may set the payment terminal 200 to the virtual terminal switching mode when a key input requesting the virtual terminal switching is received via the keypad 205. [

The control unit 308 receives a plurality of virtual terminal numbers stored in the computing terminal unit 250 in cooperation with the computing terminal unit 250 and transmits the virtual terminal numbers selected by the user to the VAN server 210 ) To request the conversion to the virtual settlement terminal. At this time, in the method of selecting the virtual terminal number, a plurality of virtual terminal numbers may be displayed on the execution screen of a specific application on the display unit of the computing terminal device 250, and may be selected by the user, The virtual terminal number may be selected through the keypad 205 on the payment terminal 200 by the user while the virtual terminal number is displayed on the display unit of the payment terminal 200. [

The control unit 308 controls the corresponding payment terminal 200 to operate as a virtual settlement terminal of the seller when the change request is accepted by the VAN server 210 and transmits the card of the settlement terminal 200, The payment information inputted through the recognition unit 302 or the like is transmitted to the VAN server 210 to request transaction approval and then, when the transaction is approved, the payment history information approved for transaction is output to the sales slip or the like.

FIG. 4 is a flowchart illustrating a process of processing a virtual settlement signal in the virtual settlement system according to the embodiment of the present invention. Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 2 to 4. FIG.

First, the seller 240 transmits to the system virtual terminal management server 220 a plurality of payment terminals 200 to be used by the purchaser as a virtual payment terminal of the seller 240 as needed, The virtual terminal number assigned by the VAN company is registered (S400). Accordingly, the virtual terminal management server 220 stores the virtual terminal number registered by the seller 240 in the virtual terminal information DB 227 on the storage unit 225 (S402). The virtual terminal number can be provided to each VAN server 210 operated by a plurality of VAN servers through the virtual terminal management server 220.

Next, in the state where the virtual terminal number per vendor is managed by the virtual terminal management server 220 as described above, an arbitrary buyer can input a virtual terminal change request for his / her payment terminal 200.

At this time, for example, when a business owner purchaser who operates an arbitrary store purchases an article or service to another salesperson who visited the store, the virtual terminal change request is transmitted to the payment terminal of the seller 240 to which the salesperson belongs However, the present invention is not limited to this case.

In this case, the buyer inputs a virtual terminal change request through a key input of a specific key implemented on the keypad 205 or a combination of a plurality of numeric keys or function keys. The settlement terminal 200 transmits the virtual terminal change request through the keypad 205 When the key input requesting the virtual terminal switching is received (S404), the virtual terminal switching mode can be set.

In addition, when the virtual terminal switching mode is set, the payment terminal 200 can receive a plurality of virtual terminal numbers stored in the computing terminal device in cooperation with the computing terminal device 250. [

In this case, for example, the computing terminal device 250 may be a state in which a specific application installed in advance so as to be able to interact with the payment terminal 200 is executed. In this state, The payment terminal 200 and the computing terminal 250 may be interlocked with each other.

That is, when the payment terminal 200 and the computing terminal device 250 are interlocked, information on the virtual terminal number can be requested from the payment terminal 200 to the computing terminal device 250 (S406) The computing terminal device 250 provides a plurality of stored virtual terminal numbers to the payment terminal 200 (S408), and one of the plurality of virtual terminal numbers thus provided is selected by the user to switch to the virtual payment terminal As a virtual terminal number of a third party for the user (S410).

Then, the payment terminal 200 transmits the virtual terminal number selected by the user to the VAN server 210 connected through the communication network to request the conversion to the virtual payment terminal (S412).

At this time, in the method of selecting the virtual terminal number, a plurality of virtual terminal numbers may be displayed on the execution screen of a specific application on the display unit of the computing terminal device 250, and may be selected by the user, The terminal number may be displayed on the display unit of the payment terminal 200 and may be selected by the user through the keypad 205 on the payment terminal.

The key input for requesting the virtual terminal switching can be performed through a key input of a specific key separately implemented on the keypad 205 of the payment terminal 200 or a combination of a plurality of numeric keys or function keys have.

Then, when the VAN server 210 receives a request to switch from the payment terminal 200 to the virtual settlement terminal of the seller 240, the VAN server 210 identifies the seller through the virtual terminal number, To the virtual settlement terminal of the corresponding seller identified by the user (S414).

When the VAN server 210 receives a virtual terminal change request from the payment terminal 200, the VAN server 210 determines whether the virtual terminal number is a virtual terminal number that can be processed by the VAN server 210 And identifies the seller 240 corresponding to the virtual terminal number in the case of a processable virtual terminal number and converts the payment terminal 200 into the virtual payment terminal of the seller 240. [

If the virtual terminal change request from the payment terminal 200 is authenticated as normal, the VAN server 210 transmits a response indicating that the virtual terminal change request has been normally performed to the payment terminal 200 (S416).

Accordingly, the settlement terminal 200 is switched to the virtual settlement terminal of the seller 240 and is in a state of being able to receive the settlement information, and receives the settlement information for settlement of goods or service payment inputted from the buyer (S418) .

Then, the settlement terminal 200 transmits the settlement information input by the purchaser to the VAN server 210 as described above, and requests transaction approval (S420).

Accordingly, the VAN server 210 requests transaction approval from the credit card company / bank 230 corresponding to the credit card or check card information included in the payment information (S422) When a transaction approval response is received (S424), the transaction approval response is transmitted to the payment terminal 200 (S426).

Then, when the payment terminal 200 receives the transaction approval response from the VAN server 210, the settlement terminal 200 outputs the payment history information approved by the transaction to the sales slip or the like (S428).

As a result, the purchaser can pay for the goods or services he / she has purchased to the other seller 240 by using the payment terminal of his / her own, The property can be greatly improved.

Meanwhile, the VAN server 210 may provide the payment history information approved for transaction through the virtual terminal conversion to the virtual terminal management server 220 (S430).

The virtual terminal management server 220 receives the payment history information of the seller 240 approved for transaction from the VAN server 210 and stores the payment history information in the seller-specific payment information DB 229 on the storage unit 225 S432) and provides the payment history information managed when there is a request from the seller 240 (S434).

FIG. 5 illustrates a configuration of a virtual payment system using a switchable payment terminal according to an embodiment of the present invention.

Hereinafter, the operation of each component of the virtual settlement system of the present invention will be described in detail with reference to FIG.

First, the payment terminal 500 is installed in a business store that sells goods or services, and when a customer presents a credit card, a check card, or the like as a payment means for goods or services purchased in the store in addition to cash, And payment of the cost for the purchased item or service for the check card.

The payment terminal 500 includes a VAN server (not shown) for relaying a payment transaction between a credit card company 530 authorizing a transaction for a credit card payment or a bank 530 authorizing a transaction for a check card payment, ), Transmits payment information via a credit card or a check card to the VAN server to request payment processing, receives a transaction approval response via the VAN server, and outputs a sales slip of the goods or services for which settlement processing has been performed. At this time, these sales slips can normally be printed, one for customers, and the other for the credit card company / bank 530.

In addition, when the owner of the store purchases goods or services to a salesperson of another company who visited his / her store, the payment terminal 500 is switched to the virtual payment terminal of the third party by the business owner, The seller terminal 540 can be operated as a virtual payment terminal of a third party such as a mobile terminal. Hereinafter, an employer who switches his / her payment terminal to the virtual payment terminal of the seller 540 for payment of the purchased goods or services is referred to as a purchaser when necessary for explanation.

In this way, the business owner of the store who switched the payment terminal 500 to the virtual payment terminal of the seller 540 can use his / her own credit card or check card to purchase goods or services from the salesperson, ). ≪ / RTI > At this time, such payment information can be transmitted to the PG (Payment Gate) server 510 rather than the VAN server through the computing terminal device 550 connected to the payment terminal 500 and the wired / wireless communication network, 510) is processed as the payment information of the seller 540, so that settlement can be made even if the salesperson does not possess a separate payment terminal. If the owner of the shop as the purchaser is the payment terminal of the seller 540 It is possible to settle the purchased goods or services by using the payment terminal of the user without moving to the place where the payment terminal is located.

The computing terminal device 550 is connected to the payment terminal 500 in a wire / wireless fashion and includes a plurality of virtual terminals corresponding to third parties required to process the payment information requested by the payment terminal 500 as third- The payment terminal 500 may provide the virtual terminal number corresponding to the third party to the payment terminal 200 in cooperation with the payment terminal 500 when the payment terminal 500 is converted into the virtual payment terminal of the third party .

At this time, the computing terminal device 550 receives the payment information generated by the purchaser's payment terminal 500 for a large number of sellers 540 having frequent transactions, for example, ) May be stored in advance in advance.

In addition, the computing terminal device 550 may include a specific application for providing a virtual terminal number to the payment terminal 500 or for processing the payment information generated in the payment terminal 500 as payment information of the third party For example, when the specific application is executed, the interworking between the computer terminal device 550 and the payment terminal 500 is performed, and the connection to the third party virtual payment terminal stored in advance in the computing terminal device 550 It is possible to search and select a plurality of virtual terminal numbers necessary for switching.

If the virtual terminal number is stored in advance in the computing terminal device 550 connected to the payment terminal 500 via wire / wireless communication, the corresponding store owner who is the purchaser can receive the payment information from the payment terminal 500 of his / A virtual terminal number of the seller 540 providing the goods or services purchased by the virtual terminal numbers of the plurality of registered sellers 540 is input as a selection input can do.

At this time, the key input for requesting the conversion to the virtual settlement terminal is performed by key input of a specific key separately embodied on the keypad 505 of the payment terminal 500, or key input through a combination of a plurality of numeric keys or function keys .

In this case, the payment terminal 500 may be in the virtual terminal switching mode according to the execution of the switching request key input to the virtual payment terminal, and when the payment terminal 500 enters the virtual terminal switching mode, Payment information including credit card information and payment amount information input through the payment terminal 500 is transmitted as payment information for a third party selected among a plurality of virtual terminal numbers stored in the computing terminal device 550 Can be requested to be processed.

At this time, the search and selection of the virtual terminal number may be selected by the user in a state in which a plurality of virtual terminal numbers are displayed on the execution screen of a specific application on the display unit of the computing terminal device 550, May be selected by the user via the keypad 505 on the payment terminal 500 in a state in which the number is displayed on the display unit of the payment terminal 500. [

Meanwhile, the computing terminal device 550 transmits payment information of a third party input through the payment terminal 500 of the purchaser to the PG server 510, and requests transaction approval.

At this time, the purchaser may be a pharmacy, for example, and the third party, that is, the seller 540 who converts the payment terminal 500 of the purchaser into the virtual payment terminal, may use various drugs But the present invention is not limited thereto.

Next, the PG server 510 is a server for online settlement. The PG server 510 is located in the middle of the communication network terminal unit 550 and the credit card company / bank 530, and accepts settlement of credit cards, check cards, Which is operated by a plurality of PGs.

That is, when the payment processing using the credit card or the check card is requested from the computing terminal device 550, the PG server 510 transmits the credit transaction requested by the computing terminal device 550 to the credit card company / bank 530, And informs the computing terminal device 550 that the payment processing requested by the credit card company / bank 530 or the like has been normally performed when the transaction is normally approved.

In addition, the PG server 510 identifies the seller 540 through the virtual terminal number when receiving a third party payment information processing request from the computing terminal device 550, such as the seller 540, according to the embodiment of the present invention And processes the payment information transmitted from the computing terminal device 550 as payment information of the corresponding seller 540 identified through the virtual terminal number.

In this virtual terminal switching process, when the PG server 510 receives a third party payment information processing request from the computing terminal device 550, the PG server 510 processes the virtual terminal number transmitted together with the request And identifies the seller 540 corresponding to the virtual terminal number in the case of a processable virtual terminal number. At this time, since the virtual terminal number assigned to the seller 540 can be differently assigned to each PG company, the PG server 510 can recognize that the virtual terminal number transmitted from the computing terminal device 550 is a virtual The terminal number is checked.

If it is determined that the virtual terminal number is a virtual terminal number that can be processed by the PG server 510, the PG server 510 transmits the payment information transmitted from the computing terminal device 550 to the corresponding seller (540).

6 shows a detailed block configuration of a computing terminal apparatus according to an embodiment of the present invention. Hereinafter, the operation of each component of the computing terminal device 550 of the present invention will be described in detail with reference to FIG. 5 and FIG.

First, the communication unit 600 is connected to the PG server 510 through a wired or wireless communication network and performs data transmission and reception for credit payment processing of an article or service using a credit card, a check card, or the like.

The display unit 604 displays information on various operating states of the computing terminal apparatus 550 under the control of the controller 606 and displays result data corresponding to the user's request input through the key input unit 602 . Also, according to the embodiment of the present invention, a message may be displayed to request the input of the virtual terminal number of the third party to request the payment processing to the PG server 510.

The key input unit 602 may include a plurality of numeric keys or function keys for requesting various operations of the computer terminal device 550. When a predetermined key is input by a user, 606, respectively.

The memory unit 610 stores an operation program for controlling the overall operation of the computing terminal apparatus 550. The memory unit 610 stores the operation program for the general operation control of the computing terminal apparatus 550, Information such as a virtual terminal number previously allocated to the PG seller 540 necessary for processing the generated payment information as payment information of the seller may be stored in advance.

The control unit 606 controls the overall operation of the computing terminal device 550 according to an operation program stored in the memory unit 610.

The control unit 606 may include a payment processing unit 608 that performs an online settlement process in cooperation with the PG server 510. [ The payment processing unit 608 may be implemented as a specific application on the computing terminal device 550, for example, and may perform an online settlement operation when the corresponding application is executed, but is not limited thereto. At this time, the execution of the specific application may be executed through interlocking with the settlement terminal 500 when the payment terminal 500 receives a request for payment processing of the third party, or may be executed by the user through the key input unit 602 Lt; / RTI >

In addition, the payment processor 608 may receive information such as credit card information and payment amount information input from the payment terminal 500 when the payment terminal 500 is converted into a virtual payment terminal of a third party according to an embodiment of the present invention. And requests the PG server 510 to process the payment information as three-party payment information. At this time, the payment processing unit 608 requests the third party's payment information processing to the PG server 510. In this case, the payment terminal 500 switches to the virtual payment terminal, selects the third- To the PG server 510 to request processing of third party's payment information.

In the search and selection of the virtual terminal number, the payment processing unit 608 displays a plurality of virtual terminal numbers on the execution screen of a specific application on the display unit 604 of the computing terminal apparatus 550, The virtual terminal number selected by the user is displayed on the display unit of the payment terminal 500 and the virtual terminal number selected through the keypad 505 is displayed on the payment terminal 500 by the user, You can also enter a number.

If the payment information request of the third party is approved through the PG server 510 and the transaction based on the payment information is normally processed, the payment processing unit 608 outputs the payment history information approved for the transaction as a sales slip.

FIG. 7 illustrates a process flow of a virtual settlement signal in the virtual settlement system according to the embodiment of the present invention. Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 5 to 7. FIG.

First, the seller 540 sends a virtual terminal number to the system PG server 510 to allow the purchaser to use the payment terminal 500 provided in his or her own store as the virtual payment terminal of the seller 540, if necessary (S700).

Next, in the state where the virtual terminal number of each seller is managed by the PG server 510 as described above, an arbitrary buyer can input a virtual terminal change request for his payment terminal 500.

At this time, for example, when a business owner purchaser who operates a certain store operates the payment terminal of the seller 540 to which the salesperson belongs when he / However, the present invention is not limited to this case.

In this case, the purchaser inputs a virtual terminal change request through a key input of a specific key implemented on the keypad 505 or a combination of a plurality of numeric keys or a function key. The payment terminal 500 transmits the virtual terminal change request through the keypad 505 When the key input requesting the virtual terminal switching is received (S702), the virtual terminal switching mode can be set.

When the virtual terminal switching mode is set, the payment terminal 500 transmits payment information including credit card information and payment amount information input through the payment terminal 500 in cooperation with the computing terminal device 550 to the computing terminal device 550 in step S704. In step S704, the payment information for the selected third party may be processed.

At this time, the search and selection of the virtual terminal number may be selected by the user in a state in which a plurality of virtual terminal numbers are displayed on the execution screen of a specific application on the display unit 604 of the computing terminal device 550, The virtual terminal number of the payment terminal 500 may be displayed on the display unit of the payment terminal 500 through the keypad 505 on the payment terminal 500 by the user.

Then, the computing terminal device 550 receives the payment information processing request for the third party from the payment terminal 500 of the purchaser (S706), and transmits the virtual terminal number of the third party and payment information Lt; / RTI > At this time, the payment information may include information such as the credit card information of the purchaser recognized by the payment terminal 500 and the payment amount.

The computing terminal device 550 then requests the third party's payment information processing to the PG server 510 in step S708. In step S708, the PG server 510 transmits the virtual terminal number of the third party included in the request to the PG server 510 The merchant 540 is identified (S710), and if it is a processable virtual terminal number, it is informed that third party payment information processing is possible (S712).

Accordingly, the computing terminal device 550 transmits payment information of the third party received from the payment terminal 500 to the PG server 510, and requests transaction approval (S714, S716).

Then, the PG server 510 requests transaction approval from the corresponding credit card company / bank 530 corresponding to the credit card or check card information included in the payment information of the third party (S718), and the credit card company / bank 530 (S720), a transaction approval response is transmitted to the computing terminal device 550 (S722).

When receiving the transaction approval response from the PG server 510, the computing terminal device 550 transmits the payment history information approved for transaction to the payment terminal 500 (S724), and the payment history information of the third party is transmitted to the payment terminal (S726), and displayed on the display unit 604 of the computing terminal device 550, so that the user can easily check the payment details.

On the other hand, the PG server 510 may provide the seller 540 with the payment history information managed when the seller 540 requests the payment history information (S728).

FIG. 8 illustrates a configuration of a virtual payment system using a switchable payment terminal according to an embodiment of the present invention.

Hereinafter, the operation of each component of the virtual settlement system of the present invention will be described in detail with reference to FIG.

First, the payment terminal 800 is installed in a business store that sells goods or services, and when a customer presents a credit card or a check card in addition to cash as a payment means for goods or services purchased in the store, And payment of the cost for the purchased item or service for the check card.

The payment terminal 800 is connected to a VAN server 810 that relays payment processing between a credit card company 830 that approves a transaction for credit card payment or a bank 830 that approves a transaction for a check card payment And transmits payment information via a credit card or a check card to the VAN server 810 to request payment processing. Upon receipt of the transaction approval response via the VAN server 810, . At this time, the sales slip can be normally printed in two sheets, one of which can be provided to the guest and the like, and the other one can be provided to the credit card company / bank 830.

In addition, when the owner of the store purchases goods or services to a salesperson of another company who visited his / her store, the payment terminal 800 is switched to the virtual payment terminal of the third party by the business owner, The merchant 840 can be operated as a virtual payment terminal. In the following description, an employer who switches his / her payment terminal to the virtual payment terminal of the seller 840 for payment of goods or services purchased by himself / herself is referred to as a purchaser when necessary for explanation.

The business owner of the store who switches the payment terminal 800 to the virtual payment terminal of the seller 840 can use the credit card or the check card of his or her own to purchase goods or services from the salesperson, And the payment information is processed by the VAN server 810 as the payment information of the seller 840 so that payment can be made even if the salesperson does not possess a separate payment terminal. The owner of the store can pay for the purchased goods or services using his or her payment terminal without moving to the place where the payment terminal of the seller 840 is located.

At this time, when the payment terminal 800 is switched to the virtual payment terminal of the seller 840 as described above, the payment terminal 800 is provided with a payment terminal 800 for a plurality of sellers 840, May be stored in advance, such as the virtual terminal number allocated to the VAN grooming seller 840, which is necessary for switching the virtual payment terminal of the seller 840 to the virtual payment terminal of the seller 840.

If the virtual terminal number is stored in advance, the shop owner who is the buyer performs a key input requesting conversion from the payment terminal 800 to the seller's virtual payment terminal, The virtual terminal number of the seller 840 providing the goods or services purchased by the virtual terminal number of the virtual terminal 840 can be selected and input.

At this time, the key input for requesting the conversion to the virtual settlement terminal is performed through a key input of a specific key separately implemented on the keypad 805 of the payment terminal 800, or a key input through a combination of a plurality of numeric keys or function keys . In addition, the virtual terminal number may be stored in association with each of the numeric keys existing on the keypad 805 of the payment terminal 800, for example.

In this case, the settlement terminal 800 can be switched to the virtual terminal switching mode according to the execution of the switching request key input to the virtual payment terminal. In case of the virtual terminal switching mode, The numeric key may operate as a shortcut key for selecting and inputting the virtual terminal number of the seller 840. Accordingly, the purchaser can easily input the virtual terminal number of the seller 840 to switch to the virtual payment terminal through the operation of inputting the number key on the keypad 805 of the payment terminal 800.

If payment terminal 800 receives a numeric key or the like in which the virtual terminal number is stored in the virtual terminal switching mode, the payment terminal 800 reads the virtual terminal number of the seller 840 stored corresponding to the corresponding numeric key, The virtual terminal change request is transmitted to the VAN server 810 connected to the virtual terminal number together with the authentication information for authenticating the virtual terminal change request, thereby performing the virtual terminal change request.

At this time, the above authentication information may be information for use in the VAN server 810 to check whether the virtual terminal change request requested from the payment terminal 800 is normal. The authentication information may be directly input by the salesperson using the keypad 805 or the like of the payment terminal 800 in a state where the salesperson of the seller 840 visiting the shop of the purchaser is aware, It may be received from the salesperson who visited the store or directly from the seller 840 via the communication network.

In this case, the VAN server 810 determines whether the virtual terminal switching request is normal or not (step < RTI ID = 0.0 > The virtual terminal management server 820 can also be used as salesperson identification information for managing sales performance for each salesperson. Such authentication information may be, for example, a sequence of integers.

Meanwhile, when the conversion request is accepted through the virtual terminal number and the authentication information and is converted into the virtual payment terminal, the payment terminal 800 receives the payment information by the buyer and transmits the input payment information to the VAN server 810, To request approval of the transaction. Then, when the transaction approval is answered, the payment history information is output as the sales slip.

At this time, the purchaser can be a pharmacy, for example, and the seller 840 that converts and uses the payment terminal 800 of the purchaser as a virtual payment terminal can be a pharmaceutical company that manufactures and supplies various medicines, for example, But is not limited thereto.

Next, the VAN server 810 is located between the payment terminal 800 on the communication network and the credit card company / bank 830, and is operated by a plurality of VANs providing payment approval and relay services such as credit cards and check cards .

That is, when the payment processing using the credit card or the check card is requested from the payment terminal 800, the VAN server 810 transmits the credit transaction request to the credit card company / bank 830, And transmits a transaction approval request. If the transaction is normally approved by the credit card company / bank 830 or the like, it notifies that the payment processing requested to the payment terminal 800 has been normally performed.

Also, the VAN server 810 identifies the seller 840 through the virtual terminal number when receiving a virtual terminal change request of a third party such as the seller 840 from the payment terminal 800 according to the embodiment of the present invention Converts the payment terminal 800 into a virtual payment terminal of the corresponding seller 840 identified through the virtual terminal number and then processes the payment information transmitted from the payment terminal 800 as payment information of the seller 840.

In this virtual terminal switching process, when receiving a virtual terminal switching request from the payment terminal 800, the VAN server 810 checks whether the virtual terminal number is a virtual terminal number that can be processed by the VAN server 810, If it is a possible virtual terminal number, it identifies the seller 840 corresponding to the virtual terminal number. Since the virtual terminal number assigned to the seller 840 can be differently assigned to each VAN company at this time, the VAN server 810 can receive the virtual terminal number of the seller 840, It is to check whether it is number.

If it is checked that the virtual terminal number is a virtual terminal number that can be processed by the VAN server 810, the VAN server 810 confirms the authentication information transmitted together with the virtual terminal number from the payment terminal 800, 800) to the virtual settlement terminal.

As described above, the authentication information is information that is transmitted from the payment terminal 800 to the VAN server 810 so that the VAN server 810 can check whether the virtual terminal change request requested from the payment terminal 800 is normal or not When the VAN server 810 receives the authentication information, the VAN server 810 interlocks with the virtual terminal management server 820 to check whether the authentication information matches the authentication information registered in the virtual terminal number. If the authentication information matches the authentication information, To the virtual settlement terminal of the seller (840).

The VAN server 810 converts the payment terminal 800 into a virtual payment terminal of the seller 840 corresponding to the virtual terminal number and then transmits the payment information transmitted from the payment terminal 800 to the seller 840 As the payment information of the user.

The virtual terminal management server 820 associates the virtual terminal number allocated to each VAN company with the authentication information for the authentication of the virtual terminal number to a plurality of sellers 840 registered by the seller 840, Phase virtual terminal information DB 827 and manages it. The virtual terminal number and the authentication information managed in this manner are provided to the VAN server 810 so that the virtual terminal number and authentication information of the seller 840 transmitted from the payment terminal 800 can be used for checking.

In addition, the virtual terminal management server 820 receives payment information for each seller 840 generated in the payment terminal 800 after switching the virtual terminal through the interworking with the VAN server 810, DB 829, and provides the payment information managed when there is a request from the seller 840.

At this time, as described above, the authentication information may be generated as a plurality of different information to be associated with one virtual terminal number, and may be provided as different information for each salesperson, respectively. Accordingly, in the virtual terminal management server 820, the payment information via the virtual payment terminal according to the seller 840 provided from the VAN server 810 is managed in association with the authentication information allocated to each salesperson, It can also be provided as a separate performance information.

9 is a detailed block diagram of a payment terminal according to an embodiment of the present invention. Hereinafter, the operation of each component of the payment terminal 800 of the present invention will be described in detail with reference to FIG. 8 and FIG.

First, the communication unit 801 is connected to the VAN server 810 through a wired or wireless communication network, and performs data transmission / reception for credit payment processing of an article or service using a credit card, a check card, or the like. The communication unit 801 is connected to the VAN server 810 according to an embodiment of the present invention to transmit and receive data for converting the payment terminal 800 into a seller's virtual payment terminal, And performs data transmission / reception for payment information processing and the like.

The card recognizing unit 802 is a device for recognizing a credit card or a check card, and recognizes a credit card or a check card provided from a user or the like upon purchase of an article or service, and reads information contained in the card. In this case, the credit card or the check card may be a magnetic card, an IC card, a smart card, or the like, and the card recognizing unit 802 may be a magnetic card, an IC card, a smart card, And may include conventional means.

The printing unit 804 prints out a receipt or a sales slip or the like corresponding to the purchase of the goods or services for which settlement has been performed from the payment terminal 800 on a previously prepared paper.

The display unit 806 displays information on various operating states of the payment terminal 800 under the control of the controller 808 and displays result data corresponding to the user's request input through the keypad 805. [ In addition, according to the embodiment of the present invention, in the switching operation to the virtual settlement terminal, the control unit 808 can display a phrase for requesting input of a virtual terminal number or an authentication number. Here, the user refers to a person who operates the payment terminal 800, and may be an employee or an employer of the store where the payment terminal 800 is installed. Also, in order to settle the price of goods or services purchased from a salesperson who provides goods or services to his / her store according to the embodiment of the present invention, such an employer may set his / her payment terminal 800 to a seller In the case where payment is made by switching to a virtual payment terminal, the purchaser is referred to as a concept corresponding to the seller for convenience of explanation in the following description.

The keypad 805 may include a plurality of numeric keys or function keys for various operation requests of the payment terminal 800. When a predetermined key is input by the user, the corresponding key data is generated, .

The keypad 805 may include a card payment key for issuing a receipt or a sales slip for a corresponding amount when making a payment with a credit card or a check card, and may be operated to output the corresponding receipt or sales slip The receipt output key may be included.

In addition, the keypad 805 may include a virtual terminal switch key for inputting a request to convert the payment terminal 800 into a seller's virtual payment terminal according to an embodiment of the present invention. The virtual terminal switch key may be implemented as a separate key on the keypad 805, or may be implemented by a combination of a plurality of numeric keys or function keys.

In addition, a plurality of numeric keys on the keypad 805 may correspond to one virtual terminal number, and when the payment terminal 800 is set to the virtual payment terminal conversion mode, It can be operated as a shortcut key. The virtual terminal number of such seller may be stored in the memory unit 809 so as to be associated with each numeric key on the keypad 805. [

The memory unit 809 stores an operation program for overall operation control of the payment terminal 800 and stores the virtual terminal number 807 for each seller according to the embodiment of the present invention. At this time, these virtual terminal numbers may be stored in association with respective numeric keys on the keypad 805. [

The control unit 808 controls the overall operation of the payment terminal 800 according to the operation program stored in the memory unit 809. [ If there is a request to convert the payment terminal 800 into a seller's virtual payment terminal according to the embodiment of the present invention, the VAN server 810 requests the VAN server 810 to switch the virtual terminal through the communication unit 801, When the VAN server 810 accepts the virtual terminal change request, the payment terminal 800 controls the virtual terminal 800 to operate as the seller's virtual payment terminal.

For example, when the user desires to switch the payment terminal 800 to a virtual settlement terminal of a seller, the user may input a key of a specific key implemented on the keypad 805 or a combination of a plurality of numeric keys or function keys, The control unit 808 can set the payment terminal 800 to the virtual terminal switching mode when a key input requesting the virtual terminal switching is received via the keypad 805. [

When the virtual terminal switching mode is set, the control unit 808 requests the virtual terminal number of the seller to switch to the virtual terminal, and responds to the virtual terminal number input through the keypad 805 or the like And receives the virtual terminal number. At this time, the virtual terminal number of the seller can be stored in association with each of the numeric keys on the keypad 805. In this case, the controller 808 recognizes the numeric key pressed on the keypad 805 as a shortcut key, 809 to read the virtual terminal number stored in association with the corresponding numeric key.

If the virtual terminal number is input normally, the control unit 808 requests to input authentication information for authentication of the virtual terminal number again. The control unit 808 inputs the authentication information for authentication of the virtual terminal number through the keypad 805 or the card recognition unit 802 The authentication information can be received and the authentication information can be received. Such authentication information may be directly input by the salesperson using the keypad 805 or the like of the payment terminal 800 while the salesperson of the seller who visited the shop of the buyer perceives it, It can be received directly from the employee or directly from the seller through the communication network.

When both the virtual terminal number and the authentication information are input as described above, the control unit 808 transmits the virtual terminal number together with the authentication information for authenticating the request for switching to the virtual payment terminal to the VAN server 810 connected through the communication network, And requests the conversion to the payment terminal.

The control unit 808 controls the payment terminal 800 to operate as a virtual settlement terminal of the seller when the change request is accepted by the VAN server 810, The settlement information input through the recognition unit 802 or the like is transmitted to the VAN server 810 to request transaction approval, and if the transaction is approved, the payment history information approved for transaction is output to the sales slip or the like.

FIG. 10 is a flowchart illustrating a process of processing a virtual settlement signal in the virtual settlement system according to the embodiment of the present invention. Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 8 to 10. FIG.

First, the seller 840 requests the system virtual terminal management server 820 to use a plurality of payment terminals 800, which the buyer has in his or her own store, as a virtual payment terminal of the seller 840, Authentication information for authentication of the virtual terminal number and the virtual terminal number given from the VAN company is registered (S900). Accordingly, the virtual terminal management server 820 stores the virtual terminal number and the authentication information registered by the seller 840 in the virtual terminal information DB 827 on the storage unit 825 (S902). The virtual terminal number and the authentication information may be provided to each VAN server 810 operated by a plurality of VAN servers through the virtual terminal management server 820. [

Next, an arbitrary buyer can input a virtual terminal change request for his payment terminal 800 while the virtual terminal number and authentication information for each seller are managed in the virtual terminal management server 820 as described above.

At this time, for example, when a business owner purchaser who operates a certain store operates the payment terminal of the seller 840 to which the salesperson belongs when he / However, the present invention is not limited to this case.

In this case, the buyer inputs a virtual terminal change request through a key input of a specific key implemented on the keypad 805 or a combination of a plurality of numeric keys or a function key. The payment terminal 800 transmits the virtual terminal change request through the keypad 805 When a key input requesting the virtual terminal switching is received (S904), the virtual terminal switching mode is set to request input of the virtual terminal number of the seller 840. [

At this time, the key input for requesting the virtual terminal switching can be performed through a key input of a specific key separately implemented on the keypad 805 of the payment terminal 800, or a combination of a plurality of numeric keys or function keys have.

In the payment terminal 800, for example, a plurality of sellers 840 with frequent transactions may be informed to the VAN seller 840 necessary to switch the purchaser's payment terminal 800 to the virtual payment terminal of the seller 840 And a virtual terminal number allocated in advance may be stored in the respective numeric keys on the keypad 805 of the payment terminal 800, one by one.

Accordingly, the purchaser can easily input the virtual terminal number of the seller 840 to switch to the virtual payment terminal through the operation of inputting the number key on the keypad 805 of the payment terminal 800.

When a numeric key corresponding to the virtual terminal number is input on the keypad 805 by the purchaser as described above, the payment terminal 800 recognizes the numeric key pressed on the keypad 805 as a shortcut key, The virtual terminal number is read and input to the virtual terminal number (S906).

When the virtual terminal number is normally input, the payment terminal 800 requests to input authentication information for authenticating the virtual terminal number again. In response to the request, the payment terminal 800 inputs the authentication information through the keypad 805 or the card recognition unit 802 And receives the authentication information (S908). Such authentication information may be directly input by the salesperson using the keypad 805 or the like of the payment terminal 800 while the salesperson of the seller who visited the shop of the buyer perceives it, It may be received from the employee or received from the seller 840 via the communication network.

When both the virtual terminal number and the authentication information are inputted as described above, the payment terminal 800 transmits the virtual terminal number together with the authentication information for authenticating the virtual terminal change request to the VAN server 810 connected through the communication network, (S910).

Then, when the VAN server 810 receives a request to switch from the payment terminal 800 to the virtual payment terminal of the seller 840, the VAN server 810 identifies the seller through the virtual terminal number, authenticates the virtual terminal change request And converts the corresponding payment terminal 800 to the virtual payment terminal of the seller identified through the virtual terminal number (S912).

When the VAN server 810 receives a virtual terminal change request from the payment terminal 800, the VAN server 810 determines whether the virtual terminal number is a virtual terminal number that can be processed by the VAN server 810 And identifies the seller 840 corresponding to the virtual terminal number in the case of a processable virtual terminal number. Then, the VAN server 810 confirms the authentication information transmitted together with the virtual terminal number from the payment terminal 800, and determines whether the payment terminal 800 is switched to the virtual payment terminal.

At this time, as described above, the authentication information is transmitted from the payment terminal 800 to the VAN server 810 so that the VAN server 810 can check whether the virtual terminal change request requested from the payment terminal 800 is normal or not Information. Therefore, when the VAN server 810 receives the authentication information, the VAN server 810 interlocks with the virtual terminal management server 820 to check whether the authentication information matches the authentication information registered in the virtual terminal number, To the virtual settlement terminal of the seller (840).

If the virtual terminal change request from the payment terminal 800 is authenticated as normal, the VAN server 810 transmits a response indicating that the virtual terminal change request has been normally performed to the payment terminal 800 (S914).

Accordingly, the payment terminal 800 is switched to the virtual payment terminal of the seller 840 and is able to receive the payment information, and receives payment information for payment of goods or service payment input from the purchaser (S916) .

Then, the payment terminal 800 transmits the payment information entered by the purchaser to the VAN server 810 as described above, and requests transaction approval (S918).

Accordingly, the VAN server 810 requests transaction approval from the corresponding credit card company / bank 830 corresponding to the credit card or check card information included in the payment information (S820), and the credit card company / bank 830 When the transaction approval response is received (S922), the transaction approval response is transmitted to the payment terminal 800 (S924).

When the payment terminal 800 receives the transaction approval response from the VAN server 810, the payment terminal 800 outputs the payment history information approved by the transaction to the sales slip or the like (S926).

As a result, the purchaser can pay for the goods or services he / she has purchased to the other seller 840 by using the payment terminal of his / her own, The property can be greatly improved.

Meanwhile, the VAN server 810 may provide the payment history information approved for transaction through the virtual terminal conversion to the virtual terminal management server 820 (S928).

Then, the virtual terminal management server 820 receives the payment history information of the seller 840 approved for transaction from the VAN server 810, stores the payment history information in the seller-specific payment information DB 829 on the storage unit 825, S930) and, if there is a request from the seller 840, provides the payment history information managed (S932).

At this time, the above-described authentication information may be generated as a plurality of different information in association with one virtual terminal number, and may be provided as different information for each salesperson, respectively. Accordingly, the virtual terminal management server 820 manages the payment history information of the seller 840 authorized for transaction from the VAN server 810 in association with the authentication information allocated for each salesperson, .

As described above, according to the present invention, in performing the virtual payment by switching the payment terminal of the purchaser to the virtual payment terminal of the seller, the virtual terminal number for switching to a plurality of seller virtual terminals on the payment terminal of the purchaser The virtual terminal number of the seller stored in correspondence with the numeric key or the like in the virtual terminal switching can be selected and input simply through the shortcut key function and the virtual terminal switching request So that the convenience of the user can be increased while ensuring security in the process of switching from the settlement terminal to the seller's virtual settlement terminal.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention. Accordingly, the scope of the invention should not be limited by the described embodiments but should be defined by the appended claims.

200: payment terminal 210: VAN server
220: virtual terminal management server 230: credit card company / bank
240: Seller

Claims (30)

delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete A virtual settlement system including a settlement terminal, a VAN server, and a virtual terminal management server,
The payment terminal processes the payment information of the merchant store identified by the payment terminal and receives a conversion request for converting a person recognized by the payment terminal into a third person different from the merchant store owner in the merchant store store, A virtual terminal number for identifying the payment terminal as the virtual settlement terminal of the third party is stored, and the virtual terminal number corresponding to the virtual payment terminal of the third party is stored A payment terminal for transmitting a virtual terminal number and the received authentication information to the VAN server connected to the communication network and requesting the payment terminal to switch to the virtual payment terminal;
Receiving the request for switching, the authentication information, and the virtual terminal number from the payment terminal, identifying the third party based on the virtual terminal number received from the payment terminal, receiving the virtual terminal number Receives the authentication information corresponding to the received virtual terminal number from the virtual terminal management server, compares the authentication information received from the payment terminal with the authentication information received from the virtual terminal management server, The VAN server accepts the conversion request and converts the payment terminal to the third payment terminal, and then processes the payment information transmitted from the payment terminal into payment information of the third party;
The VAN server storing and managing authentication information corresponding to each of at least one or more virtual terminal numbers and the at least one virtual terminal number, and when receiving a virtual terminal number from the VAN server, A management server,
When the payment terminal is converted into the virtual payment terminal of the third party, the payment terminal recognizes a person recognized as a seller by switching from the merchant store owner to the third person,
The VAN server,
After switching the payment terminal to the virtual settlement terminal of the third party,
The payment information transmitted from the payment terminal is recognized by the seller as the seller and recognized as payment information of the third party, and a credit card company or bank performing the payment transaction of the third party requests transaction approval for the payment information And processing the recognized payment information as payment information of the third party
Virtual payment system.
17. The method of claim 16,
The payment terminal,
A predetermined key for requesting switching to the virtual terminal on the keypad or a specific key on the keypad to implement the specific key by combining a plurality of numeric keys or function keys on the keypad to recognize the switching request upon inputting the specific key, And requests the virtual terminal number and the authentication information to be input when the switching request is input
Virtual payment system.
17. The method of claim 16,
The payment terminal,
When a specific number key is input on the keypad after the switching request is input, the virtual terminal number registered in the corresponding number key is read out The input information is input into the virtual terminal number. After inputting the virtual terminal number, the input mode is converted into the authentication information input mode, and information input through the numeric key or the function key on the keypad or information stored in the card, And is input as the authentication information
Virtual payment system.
17. The method of claim 16,
The payment terminal,
When the change request is accepted from the VAN server, the payment information is received and transmitted to the VAN server
Virtual payment system.
delete delete 17. The method of claim 16,
The virtual terminal management server includes:
When receiving the payment information of the third party from the VAN server, manages the payment information in connection with the authentication information, and when the third party requests the payment information, the payment information associated with the authentication information is transmitted to the third party To < RTI ID = 0.0 >
Virtual payment system.
17. The method of claim 16,
The authentication information includes:
And is generated as a plurality of different information to be associated with one virtual terminal number
Virtual payment system.
17. The method of claim 16,
The virtual terminal number may include:
The payment terminal is allocated to a different number according to a plurality of VANs as information for allowing the third party to switch the payment terminal to its own payment terminal and use the same.
Virtual payment system. delete delete delete delete delete delete

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