KR20070072834A - Devices for processing payment admission of check card(or debit card) - Google Patents

Abstract

A device for processing a payment approval of a check card exceeding a use limit and a recording medium thereof are provided to process the payment approval corresponding to all or shortage of a payment amount of the check card exceeding the use limit by storing and using credit card information linked with check card information. If the use limit set to the check card is exceeded or balance of a payment account of the check card is short, an information checker checks whether a credit payment function linked with the check card information is found in a storage medium(135). If the linked credit card information is found in the storage medium, a payment approval processor(615) processes all or shortage of the payment approval of the check card by using the credit payment function linked with the check card information.

Description

Devices for Processing Payment Admission of Check Card (or Debit Card)}

1A and 1B are diagrams illustrating a contract conclusion system for processing by replacing (or converting) with a predetermined credit card associated with the check card during check card payment in the process of issuing a check card according to an embodiment of the present invention.

2A and 2B illustrate a process of signing an agreement for processing by replacing (or converting) with a predetermined credit card associated with the check card during check card payment in a check card issuing process according to an embodiment of the present invention. One drawing.

3 is a diagram illustrating a contract conclusion system for processing by replacing (or converting) with a credit card associated with the check card during check card payment after issuing a check card according to an embodiment of the present invention.

4A and 4B illustrate a process of confirming a possibility of contract conclusion for processing by replacing (or converting) a credit card associated with the check card during check card payment after issuing a check card according to an embodiment of the present invention. to be.

5 is a diagram illustrating a process of signing an agreement for processing by replacing (or converting) with a credit card associated with the check card during check card payment after issuing a check card according to an embodiment of the present invention.

6 is a diagram illustrating a system for replacing (or converting) a check card payment with a credit card associated with a check card according to one embodiment of the present invention.

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

8 is a diagram illustrating a payment approval request specialized structure for processing by replacing (or converting) with a predetermined credit card associated with the check card during check card payment according to an embodiment of the present invention.

9 is a diagram illustrating a payment approval specialized structure for processing by replacing (or converting) with a predetermined credit card associated with the check card during check card payment according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of generating a full payment approval request message in a payment terminal device and transmitting the same to a payment server according to an embodiment of the present invention.

11 is a diagram illustrating a process of processing a payment approval request full text in a payment server according to an embodiment of the present invention.

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

FIG. 13 is a diagram illustrating an operation process of a financial system that receives a check card debit processing approval request message from a payment server according to an embodiment of the present invention.

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

15 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server according to an embodiment of the present invention through credit settlement associated with a check card.

FIG. 16 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server according to an embodiment of the present invention by a cash service (or card loan) through a credit card associated with a check card.

<Description of main parts of drawing>

100: information registration server (device) 105: information receiving unit

110: information confirmation unit 115: information generation unit

120: credit card verification unit 125: information storage unit

130: DBMS (DB Server) 135: storage medium

140: Credit Card D / B 145: Policy Information D / B

150: card issuing server (device)

The present invention relates to a payment approval processing method and system of a check card (or debit card), a payment approval processing apparatus and a recording medium therefor.

A check card uses a conventional credit card-based electronic payment system resources, interlocks the card with a predetermined bank account provided in a predetermined financial system, and transfers the payment amount using the check card through the financial system. Withdrawal from the customer's account and transfer to the card company's mother account, the electronic payment processing in the form of debit as long as there is a balance in the customer's account, and if the balance of the customer's account is insufficient, generates a customer credit to postpay form such as a credit card It is an electronic payment method that processes electronic payment.

The check card as described above purchases the credit card payment slip within the period defined by the credit card company, and pays the payment amount contained in the slip to the merchant within the prescribed period, and then the customer makes the payment. There is an advantage that can solve the problem of paying the payment amount as a debt until the amount is settled.

However, in Korea, the check card is issued mainly for minors and / or bad credit holders who have no credit (or little credit), whereby the credit card's credit limit is zero (0). If the balance of the customer account is insufficient, the electronic payment through the check card includes a problem that is not approved.

The policy of issuing and operating such a check card is also applied to general customers who have a certain customer credit (for example, a credit limit can be defined). If the balance is insufficient, it may cause customer credit, and thus may not be able to process electronic payments in the form of post-payments such as credit cards.

However, if the balance of the customer's account is insufficient when the check card is issued mainly for minors and / or creditors who do not already have credit (or almost no credit), the customer may generate a customer credit to postpay form such as a credit card. There is a difficult problem with the credit card company, and the risk factors incurred by the card company include a fatal problem.

It is an object of the present invention to store customer check card (or debit card) information in association with customer credit card information in a predetermined storage medium, and at the time of payment approval processing using the check card (or debit card), the check card. If payment is not approved due to insufficient balance of the payment account associated with the debit card (or debit card), the credit associated with the check card (or debit card) information in connection with the storage medium (or storage medium operation means) Checking whether the card information exists, if the credit card information associated with the check card (or debit card) information exists, the credit card information associated with the check card (or debit card) information The present invention provides a payment approval processing system and method for substituting payment approval for the entire or shortage of the payment authorization processing target amount.

In the payment approval processing method of the check card (or debit card) according to the present invention, information stored in a predetermined storage medium by processing customer check card (or debit card) information in connection with customer credit card information in a predetermined information storage means. A storage step; In the case of payment approval processing using the check card (or debit card), if the payment approval is not possible due to the lack of the balance of the payment account associated with the check card (or debit card), the storage medium ( Or an information confirmation step of confirming whether credit card information associated with the check card (or debit card) information exists in association with the storage medium operating means); And if the credit card information linked to the check card (or debit card) information exists, the credit card information linked to the check card (or debit card) information is processed by a predetermined payment approval processing means. And a payment approval processing step of substituting payment approval for the entire or shortage of the payment approval processing target amount using the payment approval process.

According to the present invention, the payment approval processing step, the payment approval for the entire or shortage of the payment authorization processing target amount through the credit settlement using the credit card information linked to the check card (or debit card) information is replaced. Or generate a predetermined cash service or card loan using credit card information linked to the check card (or debit card) information, and then subject to the payment authorization processing amount through the generated cash service or card loan amount. Characterized in that the settlement approval for all or shortage.

According to the present invention, after generating a predetermined cash service or card loan using the credit card information linked to the check card (or debit card) information, the payment approval processing target through the generated cash service or card loan amount Processing the payment authorization for the entire amount or the deficit, transfers the generated cash service or card loan amount to the payment account associated with the check card (or debit card) to pay for the total or deficiency of the payment authorization processing amount. It is characterized by including the processing of the approval.

According to the present invention, the credit card information is characterized in that the credit card information actually issued to the customer, and / or comprises a virtual card information.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the payment approval processing method of the above-described check card (or debit card).

On the other hand, the payment approval processing system of the check card (or debit card) according to the present invention, information storage means for storing the customer check card (or debit card) information in association with the customer credit card information in a predetermined storage medium; In the case of payment approval processing using the check card (or debit card), when the payment approval is not possible due to the lack of the balance of the payment account associated with the check card (or debit card), the storage medium (or storage medium operating means) Information confirmation means for confirming whether credit card information associated with the check card (or debit card) information exists in association with the check card; And if the credit card information associated with the check card (or debit card) information exists as a result of the checking, the payment approval processing object is processed using the credit card information associated with the check card (or debit card) information. It is characterized in that it comprises a; payment approval processing means for replacing the payment approval for the entire amount or the shortage.

The present invention is characterized in that each of the means is provided in a single server or in a plurality of servers.

On the other hand, the payment approval processing device of the check card (or debit card) according to the present invention, when the payment approval process using the check card (or debit card), the balance of the payment account associated with the check card (or debit card) is insufficient If payment is not possible due to the information check unit for checking whether there is credit card information associated with the check card (or debit card) information processing; And if the credit card information associated with the check card (or debit card) information exists as a result of the checking, the payment approval processing object is processed using the credit card information associated with the check card (or debit card) information. It is characterized in that it comprises a; payment approval processing unit for replacing the payment approval for the entire amount or the shortage.

According to the present invention, the payment approval processing device, characterized in that consisting of a single server or a plurality of servers.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing a function of a payment approval processing device component of the above-described check card (or debit card).

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

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

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

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

1A and 1B are diagrams illustrating a contract execution system for processing by replacing (or converting) a predetermined credit card associated with the check card during check card payment in the process of issuing a check card according to an embodiment of the present invention.

In more detail, FIGS. 1A and 1B show that when a check card is issued to a predetermined customer by a predetermined card company, a shortage of the customer account balance associated with the check card during payment of the check card between the card company and the customer (or the customer account) To issue a credit card replacement (or conversion) agreement with a predetermined credit card associated with the check card in order to resolve the shortage of the customer account balance (or no direct debit processing through the customer account) upon As a method of implementing a contract card issuance system-based contract execution system, specifically, FIG. 1A is replaced with (or converted to) a credit card associated with the check card during issuing the check card and / or paying the check card in an online or offline manner. Register the information for entering into an agreement to be processed and the check card to the customer based on the registered information. After issuing, if the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during the payment using the issued check card between the card company and the customer, the credit card associated with the check card Figure 1b shows a system for entering into an agreement to be replaced (or converted) by processing, and Figure 1b is an on-offline method of issuing the check card and / or payment of the check card to the credit card associated with the check card After registering information for signing an agreement to be replaced (or converted) and downloading a check card card applet to an IC card or wireless IC chip previously issued to a customer based on the registered information, Insufficient balance of the customer account associated with the check card during payment using the issued check card between the card company and the customer (or debit through the customer account) If not, it shows a system for entering into an agreement to be processed by replacing (or converting) with a credit card associated with the check card.

Those skilled in the art to which the present invention pertains, when issuing a check card from a predetermined card company to a predetermined customer within the scope of not violating the core technical matters of the present invention with reference to the drawings 1a and 1b, If the balance of the customer account associated with the check card (or debit processing through the customer account is impossible) during the issued check card payment, to resolve the lack of the customer account balance (or debit processing through the customer account) For example, various implementation methods for signing a contract for replacing (or converting) with a credit card associated with the check card may be easily inferred, and the system configuration shown in FIGS. 1A and 1B may be referred to and / or It is apparent that the present invention is not limited to each implementation method which is carried out by modifying a part of the system configuration.

Referring to FIGS. 1A and 1B, a customer who wants to receive the check card may visit a predetermined window or apply an application for issuing a check card in an offline manner through a person in charge of issuing a card (eg, for issuing a check card). A document having a form for filling in at least one check card issuance application information item) and submitting the completed application to the counter staff, the counter staff fills in the application through a predetermined manager terminal. Input issuance request information, and communicate the predetermined check card issuance application information with a predetermined information registration interface 150 (eg, the administrator terminal and a predetermined information registration server (or device) 100 in the administrator terminal). To a predetermined information registration server (or device) 100 via a communication network (or network).

In the offline information registration process, if the information registration server (or device) 100 is an information input device for issuing an unmanned card such as a kiosk, the customer may use a predetermined information registration interface 150 in an offline manner. (For example, key input means provided in the information input device for issuing an unmanned card) may input predetermined card issuance information including the check card issuing application information for issuing the check card, thereby limiting the present invention. Not.

In addition, a customer who wants to receive the check card may operate a client terminal connected to a network to communicate with a predetermined information registration interface 150 (eg, the client terminal and the information registration server (or device) 100). Network)) and access the information registration server (or device) 100, and include predetermined check card issuing application information based on the information input interface screen provided by the information registration server (or device) 100. The card issuance information is input and transmitted to the information registration server (or device) 100.

1A and 1B illustrate a wired terminal including at least one desktop computer and / or a notebook as the client terminal for convenience, the intention of the person skilled in the art and / or the information registration interface 150 The client terminal is a Personal Communication System (PCS) and / or a GSM (Global System) according to a communication network (or network) characteristic corresponding to the network information) and whether the information registration server (or device) 100 supports a wireless function. for Mobile communications terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone And / or Telematics and / or DataTAC / Mobitex wireless data communication terminal and / or IEEE 802.16 based portable Internet It can be made including at least one end, to which the present invention is not limited.

In addition, in FIG. 1A and FIG. 1B, the information registration server (or apparatus) 100 is linked with the financial system 665 in which a predetermined customer account associated with the check card is opened and the check card payment of the check card. If the remaining customer account balance is insufficient (or debit processing through the customer account), the business alliance is processed by replacing (or converting) with the credit card associated with the check card in accordance with the agreement between the customer and the card company. A credit card replacement (or conversion) agreement using a predetermined credit card associated with the check card between the customer and the card company is executed between the information registration server (or device) 100 and the financial system 665. It is handled based on the partnership. The financial system 665 is connected to the information registration server (or device) 100 provided in the card company (or financial company) through a predetermined financial network 660, and a detailed description thereof will be given with reference to FIG.

1A and 1B, the information registration server (or apparatus) 100 basically includes a function configuration (not shown) for issuing a check card and registering information, and the customer during payment of the check card. In order to solve the shortage of the customer account balance (or debit processing through the customer account) by replacing (or converting) with the credit card associated with the check card in accordance with the agreement between the card company and the card company, the information registration interface ( An information receiving unit 105 for receiving predetermined check card issuance application information and / or contract conclusion information through 150; and a contract confirmation unit 110 for confirming whether the contract conclusion information has been received from the information receiving unit 105; And generating the check card information corresponding to the check card issuing application information and receiving the predetermined contract conclusion information as a result of the confirmation of the contract confirmation unit 110, the contract conclusion information. An information generation unit 120 for generating corresponding agreement processing information and the check card information generated by the information generation unit 120 are stored in a predetermined storage medium, and the agreement is generated through the information generation unit 120. When the processing information is generated, the check card information is characterized in that it comprises an information storage unit 125 for storing in the storage medium in association with the contract information and contract processing information.

According to the implementation method of the present invention, the information registration server (or device) 100 when the customer card balance associated with the check card (or debit processing through the customer account impossible) during the check card payment, the customer In order to resolve the lack of account balance (or the inability to debit through the customer's account), the credit card issuing customer has already been given a predetermined credit card, and / or the credit card associated with the check card for payment of the check card. It is preferable to include a credit card verification unit 115 for confirming that it can be replaced (or converted) to the processing.

The information receiver 105 receives check card issuing application information from the check card issuing customer through a predetermined manager terminal and / or a client terminal through a predetermined information registration interface 150, in this case The agreement confirmation unit 110 confirms that the agreement conclusion information has not been received through the information registration interface 150. Subsequently, the information registration server (or device) 100 runs out of the check card payment from the check card customer through the system configuration as shown in FIG. In the event of direct debit processing, the contract may be concluded by replacing (or converting) with a credit card associated with the check card to resolve the shortage of the customer account balance (or debit processing through the customer account). have.

In addition, the information receiving unit 105 and the check card issuing application information, and the check card issuing customer from the check card issuing customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface 150 If the customer account balance associated with the check card is insufficient (or debit processing through the customer account is impossible) during the check card payment issued at the card company, the lack of the customer account balance (or debit processing through the customer account) In order to solve, it is characterized in that it receives a predetermined contract conclusion information for entering into an agreement to be processed by replacing (or converting) with a credit card associated with the check card.

The contract conclusion information is that when the customer who issuing the check card is issued a shortage of the customer account balance (or debit processing through the customer account) associated with the check card during check card payment, the shortage of the customer account balance (or the customer account). In order to solve the debit process through) through the credit card associated with the check card to replace (or convert) to include the information to confirm that the agreement has been accepted.

When the application for issuing a check card is issued by the information registration interface 150 in an offline manner according to an embodiment of the present invention, the check card issuance application provided to the customer is linked to the check card during check card payment. In the event of a customer account balance shortage (or inability to debit through the customer account), replace (or convert) with a credit card associated with the check card to resolve the client account balance shortage (or inability to debit through the customer account) ), And when the customer confirms that the customer agrees to the agreement, the agreement information includes agreement of the agreement.

According to another exemplary embodiment of the present invention, when an application for issuing a check card issuance by the information registration interface 150 is performed, the balance of the customer account associated with the check card is insufficient during payment of the check card to the client terminal of the customer. (Or debit processing through the customer account), by replacing (or converting) with a credit card associated with the check card to solve the lack of the customer account balance (or debit processing through the customer account) When providing and outputting a web document (or an electronic document) including the contract terms and conditions, and confirming that the customer agrees to the terms, the contract information includes the agreement of the contract terms. In particular, when the contract information is received in an online manner, in order to secure the integrity and nonrepudiation that the customer applying for the check card has agreed to the contract terms, the information registration interface ( 150, it is preferable that the client terminal attaches the electronic signature of the check card issuing application customer to the information registration server (or device) 100 through the check card issuing application information and the contract conclusion information.

The agreement confirmation unit 110 checks whether the agreement conclusion information is included in the check card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105.

When the contract card issuance information is included in the check card issuance request information according to an embodiment of the present invention, the contract confirmation unit 110 checks that the information generator 120 corresponds to the check card issuance request information. In the process of generating card information, by further generating contract processing information corresponding to the contract conclusion information (or extracting from a database (not shown) storing predetermined contract processing information), the check card is issued at the same time as the check card is issued. If the customer account balance associated with the check card is insufficient (or cannot be debited through the customer account) during check card payment between the issuing customer and the card company, the customer account balance is insufficient (or debit processing is not possible through the customer account). In order to solve the problem to replace (or convert) the credit card associated with the check card to process the agreement to be concluded Is preferred.

According to another exemplary embodiment of the present invention, when the contract issuing application information does not include the contract conclusion information, the contract confirming unit 110 issues the check card after issuing the check card through the system configuration shown in FIG. If a check account payment associated with the check card is insufficient (or debit processing through the customer account) during the check card payment, the check to resolve the shortage of the customer account balance (or debit processing through the customer account) It is desirable to process the agreement to be replaced (or converted) with a credit card associated with the card.

The information generating unit 120 generates check card information corresponding to the check card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105, the check card information The card information (eg, check card number, expiration date, issuer name, etc. included in the card) corresponding to the check card issued to the customer by the card company (or financial company), if the check card is an MS (Magnetic Stripe) card Information stored in the Track II area, and predetermined member account information associated with the check card (eg, a member bank code, a member account number, a member branch code, etc., in which a predetermined customer account associated with the check card is opened). ), Customer information (eg, customer name, social security number, address, contact information, etc.) of the member who issued the check card, and the check card operation information (eg, deposit) To be used within the liquid range of the amount, and the payment policy points, additional service information, etc.), and the like comprises at least one.

According to an embodiment of the present invention, the card information among the check card information generated by the information generating unit 120 is provided to a predetermined card issuing server (or device) 145, and the card issuing server (or device) is provided. 145 is preferably (or generated) a predetermined check card based on the card information to provide (or deliver) to the customer.

In addition, the information generation unit 120 is confirmed by the agreement confirmation unit 110 when the check card issuing application information received through the information receiving unit 105 includes the agreement conclusion information, the agreement Resolving the shortage of the customer account balance (or the non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during check card payment based on the execution information. In order to perform the process of replacing (or converting) with a credit card associated with the check card to generate a predetermined commitment processing information, wherein the commitment processing information is the check card payment of the check card Agreement processing condition information that is processed by replacing (or converting) with a credit card associated with the credit card, and limit amount setting for the credit card associated with the check card (E.g., credit limit, amount of cash service, total limit, etc.) and amount for calculating a predetermined amount of credit card processing (e.g., amount of cash service or amount of credit) within the limit amount information. The customer account balance through the calculated credit card processing amount according to the calculation information and the communication channel connection state between the card company (or financial company) and the financial system 665 in which the predetermined customer account associated with the check card is opened. It includes at least one or more credit card operation policy information associated with the check card to resolve the shortage (or debit processing through the customer account).

When the check card information corresponding to the check card issuing application information is generated by the information generating unit 120, the information storage unit 125 converts the check card information into a predetermined DBMS (DateBase Management System) 130. And / or to a storage medium managed by the DB server 130, and then the check card information is processed by linking predetermined contract conclusion information and contract processing information through a system configuration as shown in FIG. It is desirable to store.

In addition, the information storage unit 125 checks when the check card information corresponding to the check card issuing application information and the contract processing information corresponding to the contract conclusion information are generated by the information generating unit 120. The card information and the credit card information associated with the check card, and the contract conclusion information and the contract processing information are stored in a storage medium managed by a predetermined DBMS (130) and / or DB server 130 by processing It is done.

According to another exemplary embodiment of the present invention, the information storage unit 125 does not store the check card information and the credit card information in association with the storage medium, and stores the check card information and the credit card information in an RDBMS (Relationship). DataBase Management System) may be linked to the process, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server (or device) 100 (or DB server managing the storage medium) is the storage medium to the contract information and the agreement processing information associated with the check card information processing And stored, and when the customer's account balance associated with the check card is insufficient (or debit processing through the customer's account) during check card payment to the customer based on the check card customer information included in the check card information, the customer Validate (e.g., credit associated with the check card) to resolve a lack of account balance (or debit through the customer's account) by replacing (or converting) with a credit card associated with the check card. To a credit card associated with the check card to the customer. In this case, it is preferable that the agreement conclusion information and the agreement processing information are activated only in the case where it can be processed.

The credit card verification unit 115, when the contract conclusion information is received from the customer through the information receiving unit 105, the DBMS 130 through the customer information included in the check card issuance application information received from the customer And / or by checking the credit card information previously issued to the customer from a predetermined credit card D / B 140 managed by the DB server 130, the predetermined credit card is issued to the check card issuing customer. It is characterized by checking whether there is.

In addition, the credit card verification unit 115 reads the credit card information and / or credit card operation information stored in the credit card D / B 140 to check using the check card through a credit card previously issued to the customer When the card balance is insufficient (or debit processing through the customer account) during the card payment, the check card payment and the check card to solve the lack of the customer account balance (or debit processing through the customer account) It is characterized by checking whether the credit card can be processed through the associated credit card.

According to the method of the present invention, if a predetermined credit card is already issued to the check card issuing customer, and the check card payment can be processed through a credit card associated with the check card, the credit The card verification unit 115 selects a predetermined credit card among the verified credit cards as a credit card associated with the check card, and obtains credit card information associated with the check card from the credit card D / B 140. It is preferable to extract.

In addition, the credit card verification unit 115 reads the credit card information and / or credit card operation information stored in the credit card D / B 140 to check using the check card through a credit card previously issued to the customer If the customer's account balance is insufficient (or debit processing through the customer's account) during card payment, is it possible to receive a predetermined cash service for resolving the customer account balance shortage (or debit processing through the customer's account)? It is characterized by checking.

According to the method of the present invention, when a predetermined credit card is already issued to the check card issuing customer, and the predetermined cash service can be provided through the credit card, the credit card verification unit 115 is the It is preferable to select a predetermined credit card among the verified credit cards as a credit card associated with the check card, and extract credit card information associated with the check card from the credit card D / B 140.

The credit card D / B 140 stores and stores at least one credit card information previously issued to the customer, the credit card customer information and the credit card operation information in association with each other, and stores the credit card information. Preferably, the card information stored in the credit card previously issued to the customer (eg, credit card number, expiration date, customer name, etc.) is preferably made, and the credit card customer information is the name and resident registration number of the credit card issuing customer. It is preferable that the personal information including the address, contact information, etc., the credit card operation information is the limit amount including the credit limit and / or cash service limit amount and / or the total limit amount for the credit card It is preferable that the information and the credit card payment history, etc. are included.

Referring to FIG. 1A, when predetermined card information corresponding to the check card information is generated by the information generating unit 120 of the information registration server (or apparatus) 100, the card information is a predetermined card issuing server. (Or device) 145, the card issuing server (or device) 145, based on the card information, predetermined media storage information (e.g., when the issued check card is MS, Track of MS) The storage information recordable in the area II or the issued check card generates an IC (Integrated Circuit) card / storage information that can be recorded in the memory provided in the IC chip), and the media storage information is stored in the MS card. Or recorded on a medium (for example, magnetic stripe in case of MS card, memory in IC chip in case of IC card / wireless IC chip) provided in a blank card including at least one IC card or wireless IC chip. And the medium storage information And an MS registered card or IC card or a wireless IC chip, characterized in that the delivery to the customer (or service).

Referring to FIG. 1A, when predetermined card information corresponding to the check card information is generated by the information generating unit 120 of the information registration server (or apparatus) 100, the card information is a predetermined card issuing server. (Or device) 145, the card issuing server (or device) 145 is based on the card information card applet for a predetermined check card (e.g. IC card / wireless IC chip with an open platform) And IC chip storage information (and / or IC chip program) capable of post issuance.

According to one embodiment of the present invention, when a predetermined IC card has been previously issued to the customer, the card issuing server (or device) 145 uses the check card card applet through a predetermined wireless and / or wired network. The card terminal is provided to a predetermined card terminal (e.g., a card applet post-issuance client terminal equipped with an IC card reader, a card applet post-issuance window terminal, or a card applet post-issuance card terminal). It is preferable to post-issue the card applet to the customer-owned IC card according to the post-issuance procedure.

According to another exemplary embodiment of the present invention, when a wireless IC chip that is mounted or detached in the customer-owned wireless terminal has been previously issued, the card issuing server (or device) 145 selects a card applet for the check card. The wireless terminal is provided to the wireless terminal through a wireless communication network (for example, when the wireless terminal is a CDMA-based mobile communication terminal, the mobile communication network to which the mobile communication terminal is connected), and the wireless terminal provides the wireless terminal according to a predetermined post-issuance procedure. It is preferable to post-issue a card applet to a wireless IC chip mounted (or detached) from the wireless terminal.

2A and 2B illustrate a process of signing an agreement for processing by replacing (or converting) with a predetermined credit card associated with the check card during check card payment in the process of issuing a check card according to an embodiment of the present invention. One drawing.

In more detail, FIGS. 2A and 2B show a check card payment between a card company (or financial company) and the customer when a check card is issued to a predetermined customer by a predetermined card company (or financial company) as shown in FIGS. 1A and 1B. When the customer account balance associated with the check card is insufficient (or debit processing through the customer account), the account associated with the check card to solve the lack of the customer account balance (or debit processing through the customer account) As an embodiment of a method for making a contract based on a check card issuing system that concludes an agreement to be processed by replacing (or converting) with a credit card, a person having ordinary knowledge in the technical field to which the present invention pertains is shown in FIG. And issuing a check card to a predetermined customer from a predetermined card company without violating the core technical matters of the present invention with reference to FIG. 2B. In the case of the issued check card payment, if the customer account balance associated with the check card is insufficient (or debit processing through the customer account is impossible), the shortage of the customer account balance (or debit processing through the customer account) To solve this problem, various implementation methods for signing an agreement to be replaced (or converted) with a credit card associated with the check card may be easily inferred, and the methods shown in FIGS. 2A and 2B may be referred to and / or Alternatively, it is apparent that the present invention is not limited to each of the methods of implementing the above-described modification. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 2A, a customer applying for a check card issuance may check a shortage of the customer account balance (or the customer account) during a check card issuance request and / or check card payment according to the present invention through a predetermined information registration interface 150. In order to solve the direct debit processing through), apply for a credit card replacement (or conversion) agreement using a predetermined credit card associated with the check card (200), and the information registration interface 150 to the server Check card issuance application information and credit card replacement (or conversion) contract conclusion information using a predetermined credit card associated with the check card during payment of the check card is transmitted (205).

According to the implementation method of the present invention, the customer applying for the check card issuing a check card issuing application only through a predetermined information registration interface 150, or the check card payment according to the present invention during the check card issuing application process At the same time, it is possible to apply for a credit card replacement (or conversion) contract using a predetermined credit card associated with the check card according to the present invention.

The server that receives the contract card issuance application information and / or contract agreement information for processing by replacing (or converting) with the credit card associated with the check card during the check card payment from the customer through the information registration interface 150 as described above. In operation 210, the check card is issued to the customer based on the check card issuing application information.

According to the method of the present invention, in order to issue the check card to the customer, the customer must have a predetermined customer account opened in a predetermined financial system 665, and must be at least 14 years old, the server It is preferable to determine whether to issue the check card to the check card issuing customer based on the account information and / or customer information included in the check card issuing application information.

If the check card issuing application customer does not issue the check card (215), the server generates predetermined check card issuing error information and transmits it to the customer through the information registration interface 150 (220), End the check card issuing process according to the present invention.

On the other hand, if it is possible to issue the check card to the check card issuing customer (215), the server corresponds to the check card issuing application information to the customer according to the check card issuing procedure provided to the card company (or financial company) The check card issuing procedure is performed (225).

Referring to FIG. 2B, during or after performing a check card issuing procedure corresponding to the check card issuing application information as described above, the server transmits the check card from the customer through the information registration interface 150. In operation 230, it is determined whether credit card replacement (or conversion) contract conclusion information using a predetermined credit card associated with the check card is received.

If the credit card replacement (or conversion) contract payment information using the predetermined credit card associated with the check card is not received (235), the server performs the check card issuing procedure to the storage medium. The predetermined check card information generated in the process of storing (240), and resolves the lack of the customer account balance (or debit processing through the customer account) during the check card payment between the customer and the card company (or financial company) Stop the process of signing a credit card replacement (or conversion) agreement using a predetermined credit card associated with the check card.

On the other hand, if the credit card replacement (or conversion) contracting information using a predetermined credit card associated with the check card is received during the check card payment (235), the server receives the customer information included in the check card issuance application information. On the basis of the check card issuing customer is checked whether at least one or more credit cards previously issued (245).

If the customer has not been issued a credit card previously issued before the check card issuing (250), the server stores predetermined check card information generated in the process of performing the check card issuing procedure on the storage medium. And a predetermined credit card associated with the check card for resolving the shortage of the customer account balance (or non-debit processing through the customer account) during the check card payment between the customer and the card company (or financial company). Stop the process of signing a credit card replacement (or conversion) agreement with.

On the other hand, if the customer has previously issued a credit card before issuing the check card (250), the server replaces (or converts) with the credit card associated with the check card during check card payment to the customer terminal (300). Request a customer approval for processing (255), the preferred embodiment of which is shown in FIG.

If the customer approval for the processing is confirmed by replacing (or converting) with the credit card associated with the check card during the check card payment (260), the server balances the customer account associated with the check card during the check card payment. In the event of a shortage (or inability to process debit through the customer account), the DBMS 130 and / or for processing by replacing (or converting) with a credit card associated with the check card in accordance with a contract signed between the customer and the card company. Alternatively, credit card information associated with the check card is extracted from the credit card D / B 140 managed by the DB server 130 (265).

In addition, the server generates predetermined agreement processing information for processing by replacing (or converting) with a credit card associated with the check card during payment of the check card (270), and the check card information and the check card; The linked credit card information, and the contract conclusion information and the contract processing information are interlinked and stored in a predetermined storage medium (275).

After the check card information, the contract conclusion information, and the contract processing information are stored in association with the storage medium, the card company pays the check card according to a business partnership concluded with the financial system 665 associated with the check card. If the balance of the customer account associated with the check card (or debit processing through the customer account is not possible), based on the contents of the agreement between the customer and the card company to replace (or switch) to the credit card associated with the check card It can be processed.

3 is a diagram illustrating a contract conclusion system for processing by replacing (or converting) with a credit card associated with the check card during check card payment after issuing a check card according to an embodiment of the present invention.

In more detail, Figure 3 is a check card issuance from a predetermined card company to a predetermined customer through the check card issuing system shown in Figures 1a and 1b after the check card payment between the card company and the customer Credit associated with the check card to resolve the lack of customer account balance (or non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account). As an embodiment of the present invention, a method for concluding a contract for replacing (or converting) a card with a check card is provided. Specifically, the check card information stored in the storage medium is checked using the check card issuing system shown in FIGS. 1A and 1B. Insufficient balance of the customer account associated with the check card during payment of the check card between the card company and the customer (or the customer In the event of a direct debit through the left), a predetermined agreement is processed to replace (or convert) a credit card associated with the check card to resolve the shortage of the customer account balance (or debit through the customer account). It shows a fastening system.

Those skilled in the art to which the present invention pertains, after issuing a check card from a predetermined card company to a predetermined customer within the scope of not violating the core technical matters of the present invention with reference to FIG. If the customer account balance associated with the check card is insufficient during payment (or debit processing through the customer account is impossible), the check card and the check card to solve the lack of the customer account balance (or debit processing through the customer account) It will be easy to infer various implementation methods for entering into an agreement to be replaced (or converted) with an associated credit card and refer to the system configuration shown in FIG. 3 and / or modify a part of the system configuration. It is to be clearly understood that the present invention is not limited by each method of implementation.

Referring to FIG. 3, the information registration server (or apparatus) 100 is associated with the check card during check card payment to the check card issuing customer based on the customer information included in the check card information stored in the storage medium. In the event of insufficient customer account balance (or inability to debit through the customer account), a predetermined credit card is issued to the customer who issued the check card to solve the shortage of the customer account balance (or inability to process debit through the customer account). And / or a credit card checker 115 to check whether the check card payment can be replaced (or converted) with a credit card associated with the check card. Substituting (or converting) a card payment with a credit card associated with the check card, the check card payment approval request is That those with a credit card associated with that payment to the credit approval process, by processing the debit card payment via cash through the credit card processing to accept the debit card payment comprises at least one.

According to the method of the present invention, the credit card verification unit 115 is included in the check card issuing application information received from the customer, when the contract conclusion information is received from the customer through the information receiving unit 105 The check card issuing customer by confirming credit card information previously issued to the customer from a predetermined credit card D / B 140 managed by the DBMS 130 and / or DB server 130 through customer information. It is desirable to check whether a predetermined credit card has already been issued.

In addition, the credit card verification unit 115 reads the credit card information and / or credit card operation information stored in the credit card D / B 140 to check using the check card through a credit card previously issued to the customer When the card balance is insufficient (or debit processing through the customer account) during the card payment, the check card payment and the check card to solve the lack of the customer account balance (or debit processing through the customer account) It is characterized by checking whether the credit card can be processed through the associated credit card.

According to the method of the present invention, if a predetermined credit card is already issued to the check card issuing customer, and the check card payment can be processed through a credit card associated with the check card, the credit The card verification unit 115 selects a predetermined credit card among the verified credit cards as a credit card associated with the check card, and obtains credit card information associated with the check card from the credit card D / B 140. It is preferable to extract.

In addition, the credit card verification unit 115 reads the credit card information and / or credit card operation information stored in the credit card D / B 140 to check using the check card through a credit card previously issued to the customer If the customer's account balance is insufficient (or debit processing through the customer's account) during card payment, is it possible to receive a predetermined cash service for resolving the customer account balance shortage (or debit processing through the customer's account)? It is characterized by checking.

According to the method of the present invention, when a predetermined credit card is already issued to the check card issuing customer, and the predetermined cash service can be provided through the credit card, the credit card verification unit 115 is the It is preferable to select a predetermined credit card among the verified credit cards as a credit card associated with the check card, and extract credit card information associated with the check card from the credit card D / B 140.

In addition, referring to FIG. 3, only the check card information is stored in the storage medium through the check card issuing system shown in FIG. 1 a or 1 b, and / or the credit card checker 115 is provided to the customer. If it is confirmed that the agreement can be concluded, the information registration server (or device) 100 is based on the customer information contained in the check card information stored in the storage medium of the customer card issued by the check card (300) And agreement information providing unit 310 for providing credit card replacement (or conversion) agreement information using a credit card associated with the check card for the agreement between the check card customer and the card company (or financial company). And receiving contract agreement information corresponding to credit card replacement (or conversion) contract information using a credit card associated with the check card from the customer terminal 300 and the contract. A contract corresponding to the contract conclusion information when the contract conclusion is approved between the card company (or financial company) and the check card issuing customer by the contract approval processing unit 315 and the contract approval processing unit 315. And an information storage unit (120) for generating processing information, and an information storage unit (125) for processing the medicine-taking information and contract processing information in association with the check card information and storing it in the storage medium. .

The agreement information providing unit 310 is a predetermined customer terminal 300 is connected to the information registration server (or device) 100 via the network 305 and / or communication means 305 and predetermined customer information When the user logs in, the check card corresponding to the customer terminal 300 is based on the customer information included in the check card information stored in the storage medium based on the customer information. In the event of a customer account balance shortage (or inability to debit through the customer account) associated with a customer account, replace the credit card associated with the check card to resolve the customer account balance shortage (or inability to debit through the customer account). (Or convert) a contract to be processed, and if the contract is not concluded, the credit card associated with a predetermined check card for the contract conclusion to the customer terminal 300 It using characterized in that it provides an alternative credit card (or switch) arrangement information.

According to one embodiment of the present invention, the agreement information providing unit 310 is credit card replacement (or conversion) agreement information using a credit card associated with a predetermined check card for the conclusion of the agreement to the customer terminal 300 In providing, credit card replacement (or conversion) agreement information using a credit card selectively associated with a check card to a check card customer that is previously issued a predetermined credit card to the customer by the credit card verification unit 115 It is possible to provide, by which the present invention is not limited.

In addition, the agreement information providing unit 310 has been issued a predetermined check card through the check card issuing system shown in Figure 1a or 1b, but the balance of the customer account associated with the check card during the check card payment ( Or when the debit processing through the customer account is not possible), the contract is replaced (or converted) with a credit card associated with the check card to solve the shortage of the customer account balance (or debit processing through the customer account). Among the customers who have not signed a credit card, a credit card using a credit card associated with a predetermined check card for signing the agreement to a check card customer, in which a predetermined credit card has been issued to the customer by the credit card verification unit 115, And providing replacement (or conversion) agreement information.

According to an embodiment of the present invention, credit card replacement (or conversion) agreement information using a credit card associated with the check card is a check card payment issued to the customer between the check card customer and the card company (or financial company). Credit associated with the check card to resolve the lack of customer account balance (or non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account). It is desirable to include a credit card replacement (or conversion) terms and / or contract terms and conditions using a credit card associated with a check card that is processed by replacing (or converting) the card, and the check card customer agrees to the terms and conditions. When the information registration server (or device) 100, the predetermined agreement conclusion information corresponding to the agreement agreement is received This is preferred.

The agreement approval processing unit 315 is a contract corresponding to credit card replacement (or conversion) agreement information using a credit card associated with the check card provided from the customer terminal 300 through the agreement information providing unit 310 When the contract information is received, it is characterized in that to secure the integrity (Integrity) and nonrepudiation (Nonrepudiation) for the contract conclusion information.

According to an exemplary embodiment of the present invention, when the electronic signature of the check card customer is received with the contract conclusion information received from the customer terminal 300, the contract approval processing unit 315 confirms the electronic signature. By doing so, it is desirable to secure the integrity and nonrepudiation of the agreement information.

According to another exemplary embodiment of the present invention, the agreement approval processing unit 315 is connected to the wireless terminal of the check card customer based on the agreement conclusion information received from the customer terminal 300 integrity of the agreement conclusion information And non-repudiation. For example, the agreement approval processing unit 315 generates a predetermined authentication number and transmits it to the wireless terminal of the check card customer, and transmits the authentication number to the agreement approval processing unit 315 through the customer terminal 300. By doing so, it is possible to secure the integrity and non-repudiation of the agreement information.

The information generation unit 120 receives the contract conclusion information from the customer terminal 300, and / or after ensuring the integrity and non-repudiation of the contract conclusion information by the contract approval processing unit 315, When the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during check card payment based on the contract information, the customer account balance is insufficient (or debit processing through the customer account is not possible). To generate a predetermined agreement processing information for performing a procedure of replacing (or converting) with a credit card associated with the check card to solve the), wherein the agreement processing information during payment of the check card Agreement processing condition information for processing by replacing (or converting) with a credit card associated with the check card, and a limit on the credit card associated with the check card Information, the amount calculation information for calculating a predetermined cash service processing amount within the limit amount information, and the financial system 665 in which the card company (or the financial company) and the predetermined customer account associated with the check card are opened. At least one or more credit card operation policy information associated with a check card for resolving the shortage of the customer account (or the debit processing through the customer account) through the calculated cash service processing amount according to the communication channel connection status of It is made to include.

The information storage unit 125, when the contract processing information corresponding to the contract conclusion information is generated by the information generation unit 120, the check card information and credit card information and the check card previously stored in the storage medium It is characterized in that the credit card information associated with the information and the contract conclusion information and the commitment processing information to be stored in a storage medium managed by a predetermined DBMS (130) and / or DB server 130.

4A and 4B illustrate a process of confirming the possibility of contract conclusion for processing by replacing (or converting) with a credit card associated with the check card during check card payment after issuing a check card according to an embodiment of the present invention. to be.

In more detail, FIGS. 4A and 4B show a check card issued from a predetermined card company (or financial company) to a predetermined customer through a check card issuing system shown in FIGS. 1A and 1B, and then the card company (or financial company). When the check card payment between the customer and the customer account balance associated with the check card is insufficient (or debit processing through the customer account), the customer account balance shortage (or debit processing through the customer account) is resolved As an embodiment of the process for entering into an agreement to process by replacing (or converting) with a credit card associated with the check card, if one of ordinary skill in the art to which the present invention belongs, After issuing a check card from a predetermined card company to a predetermined customer within the scope of not violating the core technical matters of the present invention with reference to FIG. In the case of a check card payment, if the customer account balance associated with the check card is insufficient (or debit processing through the customer account is impossible), the check to resolve the lack of the customer account balance (or debit processing through the customer account) It would be easy to infer various implementation methods of signing arrangements to be replaced (or converted) with credit cards associated with the cards, and with reference to and / or portions of the methods shown in Figures 4a and 4b. It will be apparent that the present invention is not limited by each method of implementation by modifying. For example, as shown in FIGS. 4A and 4B, the credit card associated with the check card during the check card payment according to the present invention to the check card customer based on the customer information included in the check card information stored in the storage medium. Instead of confirming the processing by replacing (or converting) to the above, it is also possible to confirm after the contract is requested from the customer of the above check card, and the present invention is not limited thereby. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 4A, a predetermined check card is issued to the customer through the check card issuing system shown in FIGS. 1A and 1B, and predetermined check card information corresponding to the check card is stored in the storage medium. The server extracts predetermined check card information (first check card information) from the storage medium (400a), and is previously issued to the check card issuing customer using the customer information included in the extracted check card information. (E.g., issued before a predetermined check card is issued to the customer through the check card issuing system shown in FIGS. 1A and 1B, or through the check card issuing system shown in FIGS. 1A and 1B). After a predetermined check card is issued to the client, it is checked whether a credit card (issued to the customer) exists (405a).

If a predetermined credit card has not been issued to the customer corresponding to the customer information included in the extracted check card information (first check card information) (410a), the server may store the check card information stored in the storage medium. Storing and linking a non-replaceable (or converting) non-processable flag with a credit card associated with a predetermined check card, including that the check card payment cannot be replaced (or converted) with a credit card associated with a check card; 415a) extracts other check card information (second check card information, third check card information, ..., N-th check card information) from the storage medium (420a), and includes the extracted check card information. Based on the customer information, the process of checking whether the payment can be performed by replacing (or converting) the credit card associated with the check card during the check card payment is repeated.

On the other hand, if a predetermined credit card has been issued to the customer corresponding to the customer information included in the extracted check card information (first check card information) (410a), the server may add the check card information stored in the storage medium. A credit card associated with a check card may be replaced (or converted) to a credit card associated with a check card during payment of the check card to store (e.g., a processable flag). 425a).

Thereafter, the server periodically checks whether a predetermined check card customer connects to the server through a predetermined customer terminal 300 and logs in through predetermined customer information for the check card customer (430a).

If it is not confirmed that the check card customer has logged in to the server (435a), the server checks other check card information (second check card information, third check card information, ..., N-th check) from the storage medium. Extracting the card information (420a), and confirming that the credit card associated with the check card can be replaced (or converted) based on the customer information included in the extracted check card information and processed. Repeat.

On the other hand, if it is confirmed that the check card customer logs in to the server (435a), the customer information can be replaced (or converted) with a credit card associated with the check card stored in association with the check card information from the storage medium. It is checked whether or not a check card payment using a check card issued to the check card customer can be replaced (or converted) with a credit card associated with the check card through a flag (440a).

If it is possible to replace (or convert) the credit card associated with the check card and process the flag, the check card customer is replaced (or converted) with the credit card associated with the check card during check card payment using the check card. If it is possible, through the process as shown in Figure 5 between the check card customers, such as the card company (or financial company) of the check card payment associated with the check card lack of balance (or debit processing through the customer account not possible) In order to resolve the shortage of the customer account balance (or debit processing through the customer account), a contract is concluded to be replaced (or converted) with a credit card associated with the check card.

Referring to FIG. 4B, a predetermined check card is issued to the customer through the check card issuing systems shown in FIGS. 1A and 1B, and predetermined check card information corresponding to the check card is stored in the storage medium. The server extracts predetermined check card information (first check card information) from the storage medium (400b), and is previously issued to the check card issuing customer using the customer information included in the extracted check card information. (E.g., issued before a predetermined check card is issued to the customer through the check card issuing system shown in FIGS. 1A and 1B, or through the check card issuing system shown in FIGS. 1A and 1B). After a predetermined check card is issued to the customer, it is checked whether a credit card (issued to the customer) exists (405b).

If a predetermined credit card is not issued to the customer corresponding to the customer information included in the extracted check card information (first check card information) (410b), the server checks other check card information ( Second check card information, third check card information, ..., N-th check card information) (415b), and check card payment of the check card based on customer information included in the extracted check card information. Repeat the process to see if it can be replaced (or converted) with the credit card associated with the card.

If a predetermined credit card has been issued to a customer corresponding to the customer information included in the extracted check card information (first check card information) (410b), the server includes the customer information included in the check card information. When the check account payment is insufficient (or debit processing through the customer account) of the check card payment by using the issued credit card to the customer terminal 300, the check card payment to solve this Request to apply for a service for replacing (or converting) a credit card associated with the check card (420b), and the customer terminal 300 accesses the server to perform the check card payment among the check card payments; It is checked whether the user applies for the service of replacing (or converting) the credit card associated with the check card (425b).

If the client terminal 300 does not apply to the server for a service for replacing (or converting) the check card payment with the credit card associated with the check card among the issued check card payments (430b), The server extracts another check card information (second check card information, third check card information, ..., N-th check card information) from the storage medium (415b), and the customer included in the extracted check card information. Based on the information, the process of checking whether the payment can be performed by replacing (or converting) the credit card associated with the check card during the check card payment is repeated.

On the other hand, if the customer terminal 300 applies a service for processing (replacement) by replacing (or converting) the check card payment with the credit card associated with the check card of the issued check card payment to the server (430b), When the customer account balance associated with the check card is insufficient (or debit processing through the customer account is not possible) during check card payment between the check card customers, such as the card company (or financial company) through the process as shown in FIG. In order to resolve the lack of account balance (or non-debit processing through the customer's account), a contract is concluded to be replaced (or converted) with a credit card associated with the check card.

5 is a diagram illustrating a process of concluding an agreement for processing by replacing (or converting) with a credit card associated with the check card during check card payment after issuing a check card according to an embodiment of the present invention.

In more detail, FIG. 5 confirms the possibility of providing a service of replacing (or converting) the check card payment with a credit card associated with the check card during check card payment as shown in FIG. 4A or FIG. 4B. (Or a financial institution) and the customer when the check card payment of the customer account balance associated with the check card (or debit processing is not possible through the customer account), the customer account balance shortage (or debit processing through the customer account) In order to solve the impossibility) to solve the process of signing an agreement to replace (or convert) to the credit card associated with the check card, if one of ordinary skill in the art to which the present invention belongs, With reference to FIG. 5, a checker is provided to a predetermined customer at a predetermined card company without violating the essential technical matters of the present invention. After the card issuance, if the balance of the customer account associated with the check card (or debit processing through the customer account is impossible) during the payment of the check card, the lack of the account balance (or through the debit processing through the customer account) In order to solve, it is possible to easily infer various implementation methods for entering into an agreement that is processed by replacing (or converting) with a credit card associated with the check card, and the method shown in FIG. It is apparent that the present invention is not limited to each of the methods of implementation by modifying a part of. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 5, as shown in FIG. 4A or FIG. 4B, a possibility of providing a service of replacing (or converting) the check card payment with a credit card associated with the check card during check card payment is confirmed, and the check card When a customer accesses the server through a predetermined customer terminal 300, the server replaces a credit card using a predetermined credit card associated with the check card during the check card payment according to the present invention to the customer terminal 300. (Or conversion) provides a credit card replacement (or conversion) service request interface screen associated with the check card among predetermined check card payments for entering into an agreement (500), and the customer terminal 300 through the interface screen. Check whether the request for a credit card replacement (or conversion) service associated with the check card is requested during payment of the check card (505)

According to an embodiment of the present invention, the interface screen preferably includes a user interface for a check card customer to apply for a credit card replacement (or conversion) service associated with the check card during check card payment.

If the application for the credit card replacement (or conversion) service associated with the check card is checked from the customer terminal 300 through the interface screen (510), the server stores the data through the check card customer information. Extracting the check card information and the predetermined contract conclusion information issued to the customer from the medium (515), and the predetermined credit card associated with the check card according to the present invention during the payment processing using the check card information and the check card; By providing used credit card replacement (or conversion) contract information to the customer terminal 300, the customer credit card replacement (or conversion) contract using a predetermined credit card associated with the check card according to the present invention Request to approve (520).

If the customer does not approve a credit card replacement (or conversion) agreement using a predetermined credit card associated with the check card during payment of the check card (525), the server may establish a connection between the card company (or financial company) and the customer. During the payment processing using the check card, the process of signing a credit card replacement (or conversion) agreement using a predetermined credit card associated with the check card according to the present invention is stopped.

On the other hand, if it is confirmed that the customer approves a credit card replacement (or conversion) agreement using a predetermined credit card associated with the check card during check card payment (for example, the customer is associated with the check card during check card payment). If the user agrees to the terms and / or contract terms and conditions for the substitution (or conversion) of the credit card) (525), the server may be short of the customer account balance associated with the check card (or the customer account) during the check card payment. If debit processing is not possible), the DBMS 130 and / or DB server 130 for processing by replacing (or converting) to a credit card associated with the check card in accordance with the agreement between the customer and the card company The credit card information associated with the check card is extracted from the credit card D / B 140 managed at 530.

The server generates predetermined contract processing information corresponding to credit card replacement (or conversion) contract conclusion information using a predetermined credit card associated with the check card during payment of the check card (535), and writes to the storage medium. The extracted credit card information, the contract conclusion information, and the generated contract process information are interlinked with the stored check card information to store the storage medium (540).

After the check card information, the contract conclusion information, and the contract processing information are stored in association with the storage medium, the card company pays the check card according to a business partnership concluded with the financial system 665 associated with the check card. If the balance of the customer account associated with the check card (or debit processing through the customer account is not possible), based on the contents of the agreement between the customer and the card company to replace (or switch) to the credit card associated with the check card It can be processed.

6 is a diagram illustrating a system for replacing (or converting) a check card payment with a credit card associated with a check card according to one embodiment of the present invention.

In more detail, in FIG. 6, in an affiliated store provided with a predetermined payment terminal device 700, a balance of a predetermined customer account associated with the check card is insufficient (or the customer account) during an electronic payment process through a predetermined check card. If debit processing is not possible), the system will be replaced (or converted) with the credit card associated with the check card according to the agreement between the customer and the card company to allow the check card payment to be approved. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to associate with the check card in accordance with a contract signed between the customer and the card company during payment of the check card. Various system configurations to replace (or convert) a credit card to address the lack of customer account balances (or inability to debit through the customer account) (e.g., For example, through the online check-card payment system that supports VISA's secure click and / or National / BC's Internet Security Payment (ISP), the agreement between customers and card companies during check card payment Accordingly, the present invention may be implemented by inferring a credit card associated with the check card (or converting) to solve the shortage of the customer account balance (or debit processing through the customer account). It includes all the inferred implementation method, it is to be understood that not limited to the implementation method shown in FIG.

A system for resolving a shortage of the customer account balance (or debit processing through the customer account) by replacing (or converting) with a credit card associated with the check card according to a contract signed between the customer and the card company during payment of the check card. Is provided in at least one affiliated store, and provides a payment terminal device 700 for providing a check card payment, the payment terminal device 700 provided in at least one or more affiliated stores and a predetermined payment network 655 (eg, Connected to a card company (or financial company) that issued the check card, and performs a check card payment process, and according to the contract signed between the customer and the card company during the check card payment. The payment server 600 for replacing (or converting) and processing the credit card associated with the check card, the payment server 600 is connected through a predetermined financial network 660, the check car Including a financial account is a financial system 665 in conjunction with the opening characterized in that formed.

The payment terminal device 700 is basically provided with a credit card payment function, characterized in that it comprises a credit inquiry terminal (Credit Authorization Terminal; CAT) equipped with a check card payment function according to the present invention.

The financial system 665 is characterized in that at least one or more financial accounts associated with the check card is opened, the account system for processing a window service such as credit or reception or trust or foreign exchange occurring at at least one branch ( 675), an information system 680 for processing headquarters operations, branch office information support, and customer information management; and an external computer network including the financial system and homes, businesses, stores, and card companies (or financial companies). External system 670 that provides electronic banking services (e.g., Internet banking, phone banking, Cash Dispenser), Automatic Teller Machine (ATM), line transfer, call center, financial settlement, etc., and components within the financial system. The interface module 690 corresponding to the middleware platform providing inter-interface, and for each function in the components of the financial system. It includes a DBMS (Database Management System) 685 that stores and manages certain information required (e.g., financial account (or financial product), customer ledger information, or management information, etc.), and And / or foreign exchange modules (not shown), investment finance modules (not shown), or international modules (depending on the type of each financial institution (eg commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system). It is possible to further include at least one or more components, such as not shown, by which the present invention is not limited.

According to the method of the present invention, the financial system 665 is characterized in that at least one or more financial accounts associated with at least one check card is opened, the external system 670 of the financial system 665 is It is preferable that the predetermined communication network is connected to the payment server 600 provided in the card company (or financial company) that issued the check card through a predetermined financial network 660 based on a predetermined transaction protocol. To this end, the external system 670 is preferably provided with a check card unit for connecting a communication channel with the payment server 600 based on the transaction protocol.

According to the present invention, the financial system 665, when the payment server 600 requests the approval of a predetermined check card payment through a predetermined transaction protocol, the balance of the member account associated with the check card and the After comparing the check card payment authorization request amount, if the balance of the member account is greater than the check card payment authorization request amount, the check card payment is approved (and / or the check card payment authorization request amount from the member account is (Or a financial company), and, on the contrary, if the balance of the member account is less than the check card payment approval request amount, the check card payment is rejected, whereby the financial system 665 The check card based debit processing requested by the card company (or financial company) is approved or rejected.

The payment server 600 replaces (or converts) the credit card associated with the check card according to a contract signed between the customer and the card company during the check card payment according to the present invention, the lack of the customer account balance (or the customer account) It is characterized in that it is provided in the card company (or financial company) that issued the check card in order to solve the debit processing through), the predetermined financial network 660 (eg, at least one card company (or financial company) and the financial system) Dedicated communication network connecting the (665)) is characterized in that the financial account associated with the check card is connected to the opened financial system (665).

According to an embodiment of the present invention, the payment server 600 may include card information (eg, a check card number, etc.) corresponding to a predetermined check card issued to the card customer by the card company (or financial company) and the check card. Check card information including at least one predetermined member account information (for example, a member bank code, a member account number, a member branch code, etc.) in which a financial account associated with the check card is opened, and customer information of the member; When the customer account balance is insufficient (or debit processing through the customer account is impossible) during the electronic payment process using the check card, the customer account balance is insufficient (or converted) by replacing (or converting) with the credit card associated with the check card. In order to solve the debit processing through the customer account) And a storage medium for linking and storing contract processing information processed by replacing (or converting) with a credit card associated with a check card, and / or interworking with the storage medium through predetermined network and / or interface means. It is preferable.

According to one embodiment of the present invention, the payment server 600 comprises at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). It is possible to achieve all, by which the present invention is not limited.

Referring to FIG. 6, the payment server 600 may include a specialized receiver configured to receive a check card-based payment approval request message from at least one payment terminal device 700 provided at an affiliate store through a predetermined payment network 655 ( 645), an information reading unit 610 which reads the payment approval request text and extracts necessary information for a check card payment processing, and the payment server 600 and the financial system 665 based on the extracted information. An approval processing unit 615 for generating an approval result corresponding to the check card payment processing by performing the check card payment approval procedure based on a transaction protocol defined therebetween, and a predetermined check card based payment including the approval result A full text generation unit 640 for generating a full text of approval, and a full text transmission unit 6 for transmitting the generated full text of the payment approval to the payment terminal device 700 through the payment network 655. 45), wherein the approval processing unit 615 lacks a customer account balance associated with the check card in the approval result corresponding to the check card payment processing (or debit processing is not possible through the customer account). If the check card payment authorization result corresponding to the and / or check card payment authorization error code is included, an agreement is concluded between the customer and the card company to replace (or convert) the credit card associated with the check card. It is characterized in that it further comprises checking and approving.

In accordance with the present invention, the credit card associated with the check card is replaced (or converted) according to a contract signed between the customer and the card company during the payment of the check card to prevent the shortage of the customer account balance (or debit processing through the customer account). The settlement server 600 for resolving replaces a credit card associated with the check card when the balance of the customer account associated with the check card is insufficient (or debit processing through the customer account). In the case that the agreement to be processed) is already concluded, the payment server 600 checks the check card when the customer account balance associated with the check card is insufficient (or debit processing through the customer account is impossible). Calculate a predetermined amount of cash service to be processed by replacing (or converting) it with a credit card associated with the credit card; And a cash service processing unit 635 for processing the check card payment to be approved by processing the cash service using the predetermined credit card. The cash service processing unit 635 performs the check card payment. If the customer account balance associated with the check card is insufficient (or debit processing through the customer account is not possible), when the agreement is already concluded to replace (or convert) to the credit card associated with the check card, the check card It is preferable to process it by replacing (or converting) it with the credit card associated with it.

In addition, the payment server 600, using the predetermined credit card associated with the check card when the balance of the customer account associated with the check card (or debit processing through the customer account impossible) during the check card payment And a credit settlement approval processing unit (630, 615) for replacing (or converting) the check card settlement approval request with a credit card settlement so that the settlement is approved, and the credit settlement approval processing unit (630). ) 615 is a check card payment through the predetermined credit card associated with the check card when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) of the check card payment. If a contract that is provided by substituting (or converting) credit card payment is already concluded, it is recommended to process the substituting (or converting) credit card associated with the check card. Is recommended.

According to the method of the present invention, the payment server 600 is concluded between the customer and the card company when the customer account balance is insufficient (or debit processing through the customer account) associated with the check card of the check card payment And a customer approval processing unit 650 which notifies the customer of processing by replacing (or converting) the credit card associated with the check card according to the agreed agreement, and processes the customer approval therefor. .

The specialized receiver 645 is the payment terminal device 700 through a predetermined payment network 655 according to a check card payment transaction protocol defined between at least one payment terminal device 700 and the card company (or financial company). And receiving at least one electronic payment request message of a check card-based payment approval request message or a credit card-based payment approval request message from the user, and the received electronic payment request message is provided to the information reading unit 610. do.

The information reading unit 610 reads each payment approval request full text structure received through the text receiving unit 645, and the payment approval request text received from the payment terminal device 700 is a credit card-based payment approval request. Characterized in that it is a professional or check card-based payment approval request professional.

In addition, when the read result of the received payment approval request full text is a payment approval request for check card payment (or check card-based debit processing) according to the present invention, the information reading unit 610 from the payment approval request text And extracting predetermined check card payment approval-related information (or check card-based debit processing approval information) (eg, check card number, payment amount, etc.) for performing a check card payment approval procedure. The check card payment approval related information is provided to the approval processing unit 615.

The approval processing unit 615 is a payment approval unit 620 performing a check card payment approval procedure (or check card based debit processing approval process) based on the extracted check card payment approval related information, and the check card payment of the When the balance of the customer account associated with the check card is insufficient (or debit processing through the customer account is impossible), the customer and the card company make a contract between the customer and the card company based on the contract execution information stored in association with the check card and the information on the storage medium. It is characterized in that it comprises a contract approval unit 625 for approving whether to process the replacement (or conversion) to the credit card associated with the check card according to the agreed agreement.

According to the exemplary embodiment of the present invention, when the received payment approval request text message is a credit card payment request text message, the credit card-based payment approval request text message is a predetermined credit settlement approval processor 630. In the case where the received payment approval request is a check card-based payment approval request text according to the present invention, the check card-based payment approval request text is a payment approval unit 620 of the approval processing unit 615. Is preferably treated by).

The payment approval unit 620 corresponds to a check card payment approval related information (or check card based debit processing approval related information) extracted from the check card-based payment approval request full text through the information reader 610. A predetermined payment fee is calculated based on the payment amount, and a predetermined approval request amount is calculated by adding the calculated payment fee and the payment amount.

In addition, the payment approval unit 620 corresponds to the check card payment approval information (or check card-based debit processing approval information) extracted from the full check card-based payment approval request through the information reader 610. Based on a predetermined check card number, the member account information including a member bank code, a member account number, and a member point code in which a predetermined customer account associated with the check card is opened is extracted from the storage medium.

According to the implementation method of the present invention, when the payment approval unit 620 performs the debit processing through the member account associated with the check card, the payment information of the predetermined member account book to be printed on the account book corresponding to the member account. It is desirable to produce more.

Thereafter, the payment approval unit 620 calculates the check card number and the calculation based on a transaction protocol defined between the card company (or financial company) and the financial system 665 through a predetermined financial network 660. A predetermined debit processing authorization request including the approved authorization amount, the account number of the card company (or financial company), the member bank code and the member account number extracted from the storage medium, the member branch code and the contents of the member bank accounting factor. Characterized in generating a full text.

In addition, the payment approval unit 620 transmits the generated debit processing approval request message to the financial system 665 through the financial network 660, and through the financial network 660 The debit processing approval result text corresponding to the debit processing approval request full text is received from the financial system 665, and the debit processing approval result is provided to the full text generation unit 640.

According to an exemplary embodiment of the present invention, it is preferable that the entire debit approval result includes a check card-based debit processing approval result for the authorization request amount included in the full debit processing approval request message. Debit processing using is considered approved.

According to another exemplary embodiment of the present invention, the debit approval result preamble includes a check card-based debit processing rejection result and / or a debit processing error code for the authorization request amount included in the debit authorization request preamble. In this case, debit processing using the check card is considered not approved. For example, if the balance of a predetermined customer account associated with the check card is less than the authorization request amount, the financial system 665 may include a debit rejection result and / or a debit processing error code based on a debit card. Generate the full text of the result and transmit it to the payment server 600.

The agreement approval unit 625 reads the payment result of the debit authorization result message received by the payment approval unit 620 from the financial system 665, and the balance of the customer account associated with the check card in the debit authorization result preamble. If a check card based debit rejection result and / or a debit processing error code corresponding to a shortage (or debit processing through the customer account) is included, the check card payment authorization extracted from the full check card based payment authorization request is included. Check the contract settlement information associated with the check card from the storage medium on the basis of a predetermined check card number corresponding to the information (or check card based debit processing authorization related information). If the remaining customer account balance is insufficient (or debit through the customer's account), the credit card associated with the check card Ensure that the arrangements for processing (or switch) is fastened, and characterized in that for accepting the fastening arrangements between the customer and the credit card companies.

As a result of the agreement confirmation and approval of the agreement approval unit 625, when the agreement between the customer and the card company is replaced (or converted) with a credit card associated with the check card, the cash service processor 635 is concluded. Is characterized in that to calculate a predetermined cash service processing amount based on the commitment processing information.

According to an exemplary embodiment of the present invention, the calculated cash service processing amount corresponds to check card payment approval related information (or check card based debit processing approval related information) extracted from the check card based payment approval request message. It is preferable to include an amount corresponding to the approval request amount calculated based on the payment amount.

According to another exemplary embodiment of the present invention, the calculated cash service processing amount corresponds to check card payment approval related information (or check card based debit processing approval related information) extracted from the check card based payment approval request message. It is preferable to include an amount corresponding to the partial amount corresponding to the shortage of the customer account balance (or debit processing through the customer account) of the authorization request amount (or the payment amount) calculated based on the payment amount.

According to another exemplary embodiment of the present invention, the calculated cash service processing amount is requested through the check card until the shortage of the customer account balance (or debit processing through the customer account) is resolved. It is preferred to include an amount corresponding to the total credit limit for the request, thereby limiting the invention.

According to an embodiment of the present invention, the payment server 600 and the financial system 665 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660 based on the agreement processing information. When a predetermined cash service processing amount is calculated, the cash service processing unit 635 may add a predetermined fee (or may be omitted according to a card company (or financial company) policy) to the cash service processing amount and / or the financial system 665. It is preferable to calculate a cash processing amount by adding up a predetermined account transfer fee (or may be omitted depending on a business partnership between a card company (or a financial company) and the financial system 665).

Thereafter, the cash service processor 635 extracts credit card information associated with the check card information (and / or contract settlement information, contract processing information, etc.) from the storage medium, and uses the extracted credit card information. Receiving the cash service through the credit card associated with the check card (e.g., processing the cash service processing amount into the cash service amount through the credit card associated with the check card), The check card payment is characterized in that the payment is processed by the payment server 600 irrespective of the balance of the customer account associated with the check card.

Alternatively, the cash service processor 635 extracts credit card information associated with the check card information (and / or contract settlement information, contract processing information, etc.) from the storage medium, and uses the extracted credit card information. Receive the cash service through the credit card associated with the check card (e.g., process the cash service processing amount into the cash service amount through the credit card associated with the check card), By depositing a cash service processing amount into a customer account associated with the check card, the financial system 665 may allow the check card payment to be approved. In this case, the cash service processing unit 635 deposits the cash service and the cash service processing amount into a customer account associated with the check card (or the financial system 665) through a credit card associated with the check card. After the bank account transfer from the credit card company (or financial company) mother account to the customer account associated with the check card, and requests the payment approval unit 620 of the approval processing unit 615 to perform the check card-based payment approval process, As a result, the check card-based payment approval request is processed to be approved by the financial system 665.

According to another embodiment of the present invention, the payment server 600 and the financial system 665 are not connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660 (or the communication channel is In the blocked state), when the cash service processing amount is processed to be deposited into the customer account associated with the check card as described above, the cash service processing unit 635 is the payment server 600 and the financial system 665. After the predetermined communication channel corresponding to a predetermined transaction protocol is connected through the financial network 660, the calculated cash service processing amount is transferred to the customer account associated with the check card through the financial network 660. Or bank transfer). Thereafter, the cash service processing unit 635 requests the approval processing unit 615 to perform the check card-based payment approval procedure, and the approval processing unit 615 does not interwork with the financial system 665 without the check card. Process the payment approval request based on payment. If the payment server 600 and the financial system 665 are connected to the predetermined communication channel corresponding to the predetermined transaction protocol through the financial network 660, the cash service processor 635 is based on the reservation. The deposit processing (or account transfer) is processed through the financial network 660 to a predetermined customer account associated with the check card provided in the financial system 665, and the approval processing unit 615. Payment approval unit 620 of the) is characterized in that performing the post-approval process for the check card-based payment processed the day before through the financial network 660.

As a result of agreement confirmation and approval by the agreement approval unit 625, when a contract for processing by replacing (or converting) with a credit card associated with the check card is concluded between the customer and the card company, the credit settlement approval processing unit 630 ) 615 is characterized in that the check card payment approval request to the credit card payment processing through the credit card associated with the check card.

According to the present invention, the credit card associated with the check card is checked according to the credit card issuing procedure defined in the real credit card issued by the card company (or financial company) to the customer, and / or the card company (or financial company). It includes at least one virtual credit card issued virtually in conjunction with the card, by which the present invention is not limited.

The full text generation unit 640 includes a check card-based debit processing approval result, and generates a predetermined payment approval text corresponding to the full text of the check card-based payment approval request. Is provided to the specialized transmission unit 645.

The specialized transmission unit 645 transfers the payment approval message generated by the specialized generation unit 640 according to a transaction protocol defined between the card company (or financial company) and the payment terminal device 700. Characterized in that the transmission to the payment terminal device 700 through the (655), the payment terminal device 700 receives the payment approval full text and a predetermined check card corresponding to the check card based debit processing approval result A payment completion procedure (eg, check card payment receipt output, etc.) is performed.

The customer approval processing unit 650 may check the balance of the customer account when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during check card payment between the card company (or the financial company) and the customer. In order to resolve the shortage (or inability to process debit through the customer's account), after the conclusion of a predetermined agreement that is replaced (or converted) with a credit card associated with the check card, the issuance of the check card or after the conclusion of the agreement. Before initially providing the check card-based electronic payment service, or at the time of initially providing the check card-based electronic payment service after the conclusion of the agreement, or at the time of providing the check card-based electronic payment service every time after the conclusion of the agreement, In accordance with the agreement concluded between the customer and the credit card company (or conversion) to the credit card associated with the check card It characterized in that the request and processes the authorization to process.

According to the contract concluded between the customer and the card company in accordance with the present invention through the check card when the card company (or financial company) is issued a check card with the above agreement to the customer in accordance with an embodiment of the present invention The process of approving the processing by replacing (or converting) the credit card associated with the check card may include: checking the check card according to the present invention in a check card issuance application form provided to the customer by the card company (or financial company). Credit associated with the check card to resolve the lack of customer account balance (or non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account). Request for approval for processing by replacing (or converting) with a card, and the customer approval processing unit 650 receives the approval result. This may be achieved by linking and storing the customer information stored in the storage medium.

According to another exemplary embodiment of the present invention, after the card company (or financial company) has concluded the above agreement to the customer, before providing the check card-based electronic payment service for the first time, or starting the check card-based electronic payment service for the first time. At the time of providing, the process of approving the replacement (or conversion) with the credit card associated with the check card according to the agreement concluded between the customer and the card company in accordance with the present invention through the check card, the customer Authorization processing unit 650 is the customer's wired terminal (e.g., a desktop computer or laptop connected to a TCP / IP-based wired network, etc.) and / or a wireless terminal (e.g., a mobile communication terminal connected to a CDMA-based mobile communication network, IEEE 802.1x A mobile Internet terminal connected to a wireless high-speed wireless Internet network, Motorola's DataTAC method or Erricson's Mobitex method In connection with a wireless data communication terminal connected to a data communication network) when the customer lacks a balance of the customer account associated with the check card (or debit processing through the customer account) during payment of the check card according to the present invention. To approve the replacement (or conversion) with a credit card associated with the check card to resolve an insufficient account balance (or debit through the customer's account), and to receive and store the authorization result. This may be achieved by linking and storing the customer information stored in the medium.

According to another exemplary embodiment of the present invention, after the card company (or financial company) has concluded the above agreement to the customer, the check card-based electronic payment service is provided to the present invention through the check card at every time. In accordance with the agreement concluded between the customer and the card company to accept (or switch) the processing by the credit card associated with the check card, the customer approval processing unit 650 and the wired terminal of the customer and / Or when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) of the check card payment generated through the predetermined payment terminal device 700 to the customer in connection with the wireless terminal, the customer account. Replace (or convert) with a credit card associated with the check card to resolve a lack of balance (or debit through the customer's account) Requesting approval for processing, receiving the approval result and including it in the check card payment history, and / or storing the information in association with customer information stored in the storage medium.

In particular, the customer approval processing unit 650 is the wireless of the customer in the process of replacing (or converting) with the credit card associated with the check card during the check card payment according to the present invention through the check card; The process of requesting and processing an approval for a cash service using a predetermined credit card associated with the check card during the check card payment according to the present invention in connection with a terminal may include a predetermined wireless communication network (for example, the customer approval processing unit 650). Request access to the customer approval processing unit 650 from the wireless terminal through a CDMA based mobile communication network, an IEEE 802.1x based high speed wireless Internet communication network, a DataTAC / Mobitex based wireless data communication network (eg, the wireless communication network is a mobile communication network). In case of, the wireless message including the callback URL is transmitted to the customer wireless terminal, the customer wireless terminal via the callback URL to the Requesting access to the authorization processing unit 650), and allowing the wireless terminal to input a predetermined password (symmetric key) for approving the cash service using a predetermined credit card associated with the check card during payment of the check card. Can be.

According to an embodiment of the present invention, when the payment terminal device 700 is a client terminal supporting an online check card payment service, the customer associates with the check card during the check card payment according to the present invention through the check card. In the process of replacing (or converting) the old credit card, the customer approval processing unit 650 interoperates with the wireless terminal of the customer of the predetermined credit card associated with the check card of the check card payment according to the present invention In the process of requesting and processing an approval for the used cash service, the customer approval processing unit 650 generates a predetermined authentication number and transmits it to the customer wireless terminal through a predetermined wireless communication network, and the authentication number from the customer wireless terminal. When inputting to the client terminal, the client terminal transmits the authentication number to the customer approval processing unit 650, Group can be done by comparing the authentication code received from the client terminal and the authentication code transmitted to the wireless terminal from the customer client approval processing unit (650).

According to another exemplary embodiment of the present invention, when the payment terminal device 700 is an affiliated store terminal that supports an offline check card payment service, the customer checks the check card during the check card payment according to the present invention through the check card. In the process of replacing (or converting) with an associated credit card, the customer approval processing unit 650 interoperates with the wireless terminal of the customer, and the predetermined credit card associated with the check card during check card payment according to the present invention. In the process of requesting and processing an approval for a cash service using the service, before the check card payment is performed, the customer wireless terminal approaches the customer approval processing unit 650 through a predetermined wireless communication network, and the customer approval processing unit 650. Generate a predetermined authentication number and transmit it to the customer wireless terminal through a predetermined wireless communication network, and then check card according to the present invention. In the process of providing a cash service using a predetermined credit card associated with the check card during payment, the authentication number is input to the merchant terminal, and the merchant terminal includes the authentication number in a predetermined payment approval request message. It may be made by transmitting to the payment server 600.

In addition, the customer approval processing unit 650 is the wireless of the customer in the process of the customer to replace (or switch) the credit card associated with the check card of the check card payment according to the present invention through the check card. The process of requesting and processing an authorization for a cash service using a predetermined credit card associated with the check card during the check card payment according to the present invention in connection with the terminal is performed according to the present invention through the payment terminal device 700. In the process of providing a cash service using a predetermined credit card associated with the check card during payment of a card, the payment terminal device 700 generates a predetermined authentication number and outputs it to the screen, and then the predetermined authentication number is settled. Including the approval request in the transmission to the payment server 600, and the authentication number outputted on the screen of the payment terminal device 700 via the customer wireless terminal is It may be made and transmitted to the authorization processing unit (650).

7 is a diagram illustrating a functional configuration of a payment terminal device 700 according to an embodiment of the present invention.

In more detail, Figure 7 is an embodiment of a payment terminal device 700 for processing a cash service using a predetermined credit card associated with the check card payment check card payment, in the technical field to which the present invention belongs Those skilled in the art may refer to and / or modify the drawing 7 to infer various payment terminal apparatuses 700 to process cash services using a predetermined credit card associated with the check card during check card payment. It will be appreciated, however, that the present invention encompasses all of the inferred practice methods.

Referring to FIG. 7, the payment terminal device 700 basically includes a control unit 705, a memory unit 750, a card reader unit 710, a key input unit 720, a screen output unit 715, and a communication processing unit 730. And a power supply unit 725 for supplying power to the security application module 735, the print output unit 740, and the payment terminal device 700, at least one terminal function unit ( Omission).

The control unit 705 controls the overall operation of the payment terminal device 700 in the functional configuration, manages the flow of information or data between each component, and associated with the check card of the check card payment according to the present invention It is characterized by controlling the components provided in the payment terminal device 700 in order to process a cash service using a predetermined credit card, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) At least one processor, an execution memory (for example, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data. A predetermined load loaded from a predetermined recording medium into the execution memory to perform a specific function and arithmetic processing by the processor A record provided in the payment terminal device 700 for processing a cash service using a predetermined credit card associated with the check card during payment of the check card, including program routines and / or program data. Software processing is performed among the functional configurations provided in the payment terminal device 700 to process a cash service using a predetermined credit card associated with the check card and a predetermined program recorded on a medium and / or the check card payment. Possible components are shown in the control unit 705).

According to the exemplary embodiment of the present invention, the control unit 705 includes components (for example, the memory unit 750, the card reader unit 710, the key input unit 720, and a screen) provided in the payment terminal device 700. The payment terminal device by interworking the output unit 715, the communication processing unit 730, the security application module 735 and the print output unit 740 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art) The payment terminal apparatus 700 for controlling and managing providing the check card payment service defined in 700, as well as for the cash service using a predetermined credit card associated with the check card during the check card payment according to the present invention. And a recording medium provided to the payment terminal device 700 for cash service using a predetermined credit card linked to the check card during the check card payment. Written to It is preferable to run the program.

The memory unit 750 input / output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 700 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 705 is a predetermined program routine and program data required to perform a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit 750 may include a storage area for storing payment processing approval details using the check card, and a predetermined credit card associated with a check card during check card payment according to the present invention. It is preferable to have a storage area for storing credit card processing details (eg, cash service processing details, credit settlement approval details) corresponding to the cash service.

The customer who requests a cash service using a predetermined credit card associated with the check card during the check card payment according to the present invention through the payment terminal device 700 is based on an ISO / IEC 7810 standard. Card, and / or a contact IC card (or wireless IC chip) based on ISO / IEC 7816 standard, and / or at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 standard. It possesses (or possesses) a card, and the card is preferably provided with a payment means including at least one of a credit card, a check card, a debit card, a cash card and a financial account.

The card reader unit 710 may provide an interface for reading at least one or more information or data included in the card, and the information or data read from the card may be a credit card, a check card, a debit card, It is preferable to include payment means information corresponding to a payment means including at least one cash card, financial account.

According to the method of the present invention, the card reader unit 710 is an MS reader unit for providing an interface between the MS card and the payment terminal device 700, and / or the contact IC card and the payment terminal device ( 700) a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal device 700.

The MS reader unit is a card reader unit 710 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal device 700 by using the loaded.

The contact IC reader unit is a card reader unit 710 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal 700.

The contactless IC reader unit is a card reader unit 710 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal device (700).

According to an embodiment of the present invention, the card reader unit 710 is a check card payment service defined in the payment terminal device 700 and / or a predetermined credit associated with the check card of the check card payment according to the present invention. Payment means including at least one predetermined card information (for example, credit card, check card, debit card, cash card, financial account provided on the card from the at least one or more card reader unit 710 for the cash service using the card) It is preferable to read the payment means information corresponding to).

The key input unit 720 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or an operation mode of the payment terminal device 700 controlled by the controller 705. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated and the generated key event is provided to the controller 705. The controller 705 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal device 700, and / or is matched with the key event and defined. Characterized in that for obtaining a command to execute a predetermined function. The key input unit 720 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the payment terminal device 700.

The key input device interoperating with the key input unit 720 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an exemplary embodiment of the present invention, the key input unit 720 may include key data corresponding to the check card payment service from at least one or more key input devices for the check card payment service defined in the payment terminal device 700. It is preferable to perform the function of the key input means for receiving a payment amount, etc., and also for the cash service using a predetermined credit card associated with the check card during the check card payment according to the present invention It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process by replacing (or converting) with a credit card associated with the check card during the check card payment.

The screen output unit 715 is a liquid crystal display (LCD) and the liquid crystal display (LCD) by the control unit 705 in the process of the payment terminal device 700 performs a predetermined function (for example, check card payment processing function using a card) And / or output at least one or more information or data which are predefined or defined in real time to be output to a predetermined screen output device including a cathode ray tube (CRT) through a predefined interface screen. The output unit 715 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 700.

Predefined information or data to be output from the payment terminal device 700 to the screen output device, the key data input through the key input unit 720, and / or is provided in the payment terminal device 700 Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processing unit 730, and / or a predetermined operation result performed by the payment terminal device 700 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 715 is a check card payment processing screen according to each check card payment step to the screen output device for the check card payment service defined in the payment terminal device 700. It is preferable to perform the function of the screen output means for outputting the check card payment in the check card payment to the screen output device for the cash service using a predetermined credit card associated with the check card payment in accordance with the present invention It is preferable to perform a function of the screen output means for replacing (or switching) with a credit card associated with the check card and outputting a processing screen corresponding to the processing step.

The communication processing unit 730 is a payment network 655 (eg, Value Added Network (VAN)) in the process of the payment terminal device 700 performs a predetermined function (for example, a check card payment processing function using a card). Terminal (or server) and / or terminal (or device) connected to the payment terminal device 700 via a predetermined cable and / or terminal connected to the payment terminal device 700 through a predetermined short-range wireless communication (Or a device) and a predetermined communication means for connecting a communication session, network communication unit for connecting a predetermined communication channel with a payment server 600 on a wired or wireless network, and / or a predetermined cable communication A cable communication unit for connecting a communication session with a predetermined terminal (or device) through a port, and / or a predetermined short-range communication terminal (or device) through at least one short-range wireless communication means. ) Is made to include a short-range wireless communication unit for connecting the apparatus with a predetermined communication session comprises a communication protocol and / or the driver for connecting the terminal (or communication session) while the communication by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And a communication channel with a payment server 600 on a wired or wireless network through a predetermined wireless network including a wireless data communication network, and to connect the payment terminal device 700 to a predetermined wired or wireless network in hardware. It comprises a modem (Modem) or a Network Interface Card (NIC), and comprises a communication protocol and / or driver for connecting the payment terminal device 700 to the wired and wireless network in software.

The cable communication unit may connect a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software. For example, the cable communication terminal (or device) may include a point of sale (POS) terminal connected to the payment terminal device 700 through cable communication.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). And a predetermined short range communication terminal (or device) and a short range wireless communication session through at least one short range wireless communication means. The infrared communication, RF communication, Bluetooth, wireless LAN, Wi-Fi, and UWB may be connected in hardware. It includes a predetermined short range wireless communication module for short-range wireless communication including, and comprises a communication protocol and / or driver for the private short-range wireless communication in software. For example, the short-range communication terminal (or device) includes a POS terminal connected to the payment terminal device 700 through short-range wireless communication, and / or includes a customer wireless terminal equipped with a predetermined wireless IC chip. If the short-range communication terminal (or device) or the customer wireless terminal equipped with a predetermined wireless IC chip, the communication terminal (or device) based on the basis of the function of the card reader unit 710 Can be performed.

The Secure Application Module (735) is a confidentiality and / or authentication required in the process of the payment terminal device 700 performs the electronic payment and / or check card payment using the card. The payment terminal device does not use the authentication server (or payment server 600) on the payment network 655 to provide security requirements including authentication and / or integrity and / or nonrepudiation. As a safety device for performing a safe and reliable structure within 700, the payment terminal device 700 is processed in the process of performing a predetermined security request function (e.g., electronic payment and / or check card payment function). Encrypt or decrypt a given message (information or data), add an authenticator to prevent forgery (or tampering) of the message, or perform the security request function The information on the features that perform a function for storing important key information.

In general, the security application module 735 is preferably composed of a predetermined security application module 735 inserter and the security application module 735 chip, the security application module 735 chip is a chip containing at least 8 bits or more CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) having a performance of 2 MIPS or more. It is preferable to comprise a.

In addition, the security application module 735 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the payment terminal device 700 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / revocation) / Initialization / reprocessing / cancellation command).

The print output unit 740 may be configured to perform a predetermined function (for example, a check card payment processing function using a card) of the payment terminal device 700 and / or predetermined information or data generated as a result thereof (for example, And output payment processing result information or data) to a predetermined printing device (eg, a receipt printer), and to print the printing information or data through the predetermined printing device according to a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 7, the payment terminal apparatus 700 includes check card-based payment means information read from a predetermined check card, payment information including a check card payment amount, and merchant information including a terminal number. A payment message generation unit 755 for generating a payment approval request message; a transmission unit 760 for transmitting the generated payment approval request message to a predetermined payment network 655 through the communication processor 730; A receiving unit 765 for receiving a payment approval message corresponding to the payment approval request message from the payment network 655 through the communication processor 730, and a predetermined credit associated with the check card to the received payment approval message. Read the authorization document to confirm that the credit card-based cash advance processing for authorization of the check card payment is processed through the cash service using the card. 770 and an approval specialty processing unit 775 for dividing the received payment approval full text by the approval details and outputting through the screen output unit, and / or storing the received payment approval full text by the approval details and storing the received payment approval full text in the memory unit. It is characterized by comprising a).

The payment message generation unit 755 may be check card-based payment means information read from a predetermined check card through the card reader unit 710, input from the key input unit 720, and / or the communication processing unit ( Payment approval request including payment information including a check card payment amount received from a predetermined point of sales (POS) terminal through a cable communication unit, and merchant information including a terminal number extracted from the memory unit Characterized in generating a full text.

According to the embodiment of the present invention, the payment approval request text generated by the payment text generation unit 755 uses a conventional check card payment approval request text structure as it is, or a transaction classification item as shown in FIG. In addition to the "Check Card Authorization Request" transaction and / or the "Check Card Authorization Cancel" transaction, the "Check Card Authorization Request + Linked Credit Card Processing Request" transaction and / or "Check Card Authorization Request / Cancelled Credit Card Processing Cancellation" transaction. In this regard, the present invention is not limited thereto.

The transmission unit 760 may generate the payment approval request message generated by the payment message generation unit 755 through a predetermined payment network 655 (eg, a value added network) through the communication processing unit 730. (VAN)), and the full payment approval request message is transmitted to the payment server 600 provided in the card company (or financial company) that issued the check card through the payment network 655.

Thereafter, the payment server 600 performs a check card payment approval procedure in connection with a predetermined financial system 665 through the full payment approval request message, and lacks a customer account balance associated with the check card during the check card payment. (Or debit processing through the customer account is not possible), according to the agreement between the customer and the credit card company to replace (or convert) to the credit card associated with the check card, characterized in that the processing of the check card payment A predetermined payment approval message including an approval result is generated and transmitted to the payment terminal device 700 through the payment network 655. The receiving unit 765 transmits a predetermined payment network through the communication processing unit 730. From 655, the payment approval text may be received.

According to an embodiment of the present invention, the payment approval message received by the receiving unit 765 includes a conventional payment approval message structure as it is, or the credit card associated with the check card according to the present invention in the payment server 600. In the case of replacing (or converting) the credit card, the credit for the check card payment approval processed by replacing (or converting) the check card payment approval details and the credit card associated with the check card in the payment approval message as shown in FIG. It is desirable to include card-based cash advances.

The approval message reader 770 reads the payment approval message received through the receiving unit 765, and the predetermined credit card associated with the check card according to the present invention in addition to the check card payment approval details in the payment approval message. It is characterized by checking whether the credit card-based cash service processing details for the check card payment approval for which the check card payment is approved through the cash service using the cash service.

The approval message processing unit 775 is interlocked with the screen output unit 715 and / or the print output unit 740, the payment approval full text received through the receiving unit 765 (for example, the check card payment approval result and / Or an authorization message including at least one credit card-based cash service processing result for the check card payment approval) to a screen output device and / or a printing device 745 provided in the payment terminal device 700. do.

According to an embodiment of the present invention, the approval preamble processor 775 is preferably provided with a function of reading a credit card based cash service processing result for the check card payment approval included in the payment approval preamble, whereby the check Whether the cash service using the predetermined credit card associated with the card is approved or booked or rejected in a form that the payment terminal device 700 operator (or card user) can recognize. Can be.

According to the exemplary embodiment of the present invention, the approval specialized processing unit 775 classifies the check card payment approval result and / or the credit card based cash service processing result for the check card payment approval for each result, such as that of the screen output device. It is preferable to simultaneously output the screen, and according to the intention of the person skilled in the art, the check card payment approval result and / or the credit card based cash service processing result for the check card payment approval are classified by each result and different screens of a predetermined screen output device. It is possible to output respectively to the present invention, by which the present invention is not limited.

According to an exemplary embodiment of the present invention, the approval specialized processor 775 classifies the check card payment approval result and / or the credit card based cash service processing result for the check card payment approval for each result and sorts each other through the printing apparatus. It is preferable to output each to a different printing paper, and according to the intention of the person skilled in the art, the check card payment approval result and / or the credit card based cash service processing result for the check card payment approval is classified by each result and a single through the printing device. It is possible to include all of the printing paper (for example, a receipt) for outputting, whereby the present invention is not limited.

The approval message processing unit 775 is a credit card-based cash service for payment approval text (for example, the check card payment approval result and / or check card payment approval) received through the reception unit 765 in association with the memory unit 750. Characterized in that the at least one authorization including at least one processing result) is characterized in that the memory unit 750 provided in the payment terminal device 700 is stored.

According to an embodiment of the present invention, the approval specialized processing unit 775 classifies the check card payment approval result and / or the credit card based cash service processing result for the check card payment approval for each result and stores different storage areas of the memory unit. Preferably, the check card payment approval result and / or credit card-based cash service processing result for the check card payment approval are classified for each result according to the intention of the person skilled in the art. It is possible to cooperatively store and store in a predetermined storage area including an authorization credit card based cash service processing result field, and thus the present invention is not limited thereto.

8 is a diagram illustrating a payment approval request specialized structure for processing by replacing (or converting) a predetermined credit card associated with the check card during check card payment according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a cash service using a predetermined credit card linked to a check card according to the present invention during check card payment in a predetermined payment terminal device 700 including a credit authorization terminal (CAT). As an example of an embodiment of a payment approval request specialized structure transmitted to a card company (or a financial company) through a predetermined payment network 655 (eg, a Value Added Network (VAN)) to process the Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for the specialized structure for requesting payment approval according to the intention to those skilled in the art. It includes all inferred implementation methods, and this payment approval request specialized structure is not limited to that illustrated in FIG.

Referring to FIG. 8, the payment approval request full text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval request text includes a transaction classification item (eg, a check card payment request, a check card payment cancellation, etc.) related to the check card payment, a Terminal_ID item for the payment terminal device 700, a POS Entry Mode item, TRACK II Data items (e.g., PAN (Primary Account Number) area of TRACK II of MS card and AD (Additional) corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 700) Data) and / or check card information obtained from the Discretionary Data (DD) area, or check card information obtained from the check card file of the IC card, and checks after a predetermined file separator (0X1C). It includes the installment month item, the total payment amount item, and the service fee item corresponding to the card payment information, and also the Working Key Index item, password item, product code item, and document serial number item. Comprise the like. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of the above items based on the contents shown in FIG. 8, and thus the detailed description thereof will be omitted.

According to an exemplary embodiment of the present invention, the transaction classification item may include transaction classification information (eg, a check card payment request, a check card payment cancellation, etc.) for the check card payment approval request, in which case the payment The payment server 600 receiving the full approval request message is insufficient of the customer account balance associated with the check card during payment of the check card (or debit processing through the customer account) based on the contract conclusion information and the agreement processing information. City, according to the agreement between the customer and the card company can be replaced (or converted) by the credit card associated with the check card can be processed.

According to another exemplary embodiment of the present invention, the transaction classification item may include transaction classification information (eg, requesting to process a cash service using a predetermined credit card associated with the check card according to the present invention among the check card payment approval request). Check card payment request + linked credit card processing request, check card payment request + canceled linked credit card processing, check card payment canceled + linked credit card processing request, check card payment canceled + linked credit card processing cancellation, etc.). In this case, the payment server 600 receiving the full payment approval request message is based on the transaction classification information and / or the agreement conclusion information and the agreement processing information. In the event of insufficient account balance (or inability to debit through the customer's account), the check card is linked to the check card in accordance with the agreement between the customer and the card company. Can be replaced by credit card (or converted).

9 is a diagram illustrating a payment approval specialized structure for processing by replacing (or converting) with a predetermined credit card associated with the check card during check card payment according to an embodiment of the present invention.

In more detail, FIG. 9 transmits the entire payment approval request as shown in FIG. 8 to a predetermined credit card company (or financial company) from a predetermined payment terminal device 700 through a predetermined payment network 655. An example of an implementation method for the payment approval specialized structure received by the payment terminal device 700 in response to the full payment approval request message through 655, and has a general knowledge in the technical field to which the present invention belongs. If not, the present invention may infer various implementation methods for the payment approval specialized structure corresponding to the payment approval request full text according to the intention of the person skilled in the art by referring to and / or modifying the present invention. The payment approval professional structure is not limited to that illustrated in FIG. 9.

Referring to FIG. 9, the payment approval specialized structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), and After the end character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval full text includes a plurality of approval result items, and each approval result item is divided through a predetermined file separator (0X1C).

The payment approval preamble is a transaction classification item (eg, check card payment request, check card payment cancellation, etc.) corresponding to the transaction classification associated with the check card payment included in the payment approval request text shown in FIG. 8 and the payment terminal. Terminal_ID item, status value item (eg 'O': check card payment request normal approval, 'X': check card payment request declined) and transaction date item and message 1 item, message 2 item, message for device 700 3 item, message 4 item, authorization number item (e.g., check card payment number if the status value is 'O', or check card payment refusal reason code if the status value is 'X'), purchaser ID item , Card company (bank) type name item, issuer ID item, the document serial number item included in the payment approval request document shown in the drawing 8, the merchant number item, the purchaser item, comment item, HELP DESK PHONE NO item, PIN DATA item and Contr This includes the ol_Flag item. Those skilled in the art to which the present invention pertains will clearly understand the details of the respective approval result items included in the full payment approval with reference to this drawing 9, and thus detailed description thereof will be omitted. do.

According to an exemplary embodiment of the present invention, the transaction classification item included in the payment approval preamble corresponds to the transaction classification item included in the payment approval request preamble shown in FIG. 8, and the check card in the payment server 600. When a cash service using a predetermined credit card associated with a check card according to the present invention occurs during payment processing, the transaction classification items (eg, check card payment request, check card) included in the full payment approval request shown in FIG. Payment cancellation, etc.) preferably further includes a transaction classification (eg, linked credit card processing request, linked credit card processing cancellation) corresponding to a cash service using a predetermined credit card associated with the check card.

According to another exemplary embodiment of the present invention, the transaction classification item included in the payment approval preamble includes the transaction classification item included in the payment approval request letter shown in FIG. 8 as it is, and the payment approval as shown in FIG. It is preferable to include a predetermined transaction division item corresponding to a cash service using a predetermined credit card associated with a check card added to a full text.

Referring to FIG. 9, when the payment server 600 processes a cash service using a predetermined credit card associated with a check card according to the present invention during the check card payment processing, the check approval text and the check card may be used. It is preferable to further include a credit card processing history (or processing result or approval result) for the check card payment approval for the predetermined credit card linked thereto, and the check card payment approval for the predetermined credit card associated with the check card. Credit card processing history is distinguished from the check card payment approval details (or approval results) through a predetermined delimiter. In FIG. 9, for convenience, the delimiter is distinguished through a file separator (FS) character. Use GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and / or LF (Line Feed, New L) ine, 0X0A), and the separator may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

Credit card processing details for the check card payment approval for a predetermined credit card associated with the check card of the payment approval full text, the payment server 600 replaces the check card payment with a credit card associated with the check card (Or convert) the credit card transaction division items processed, preferably, the credit card transaction division items include a "credit payment request" or "credit cancellation" through a credit card associated with the check card; It may include at least one or more "cash service / card loan request" or "cash service / card loan cancellation" through a credit card associated with the check card.

In addition, the credit card processing details are replaced (or converted) by the payment server 600 with the credit card associated with the check card payment of the check card payment amount items (for example, credit settlement) calculated for processing Amount, or cash processing amount, and status value items for processing by replacing (or converting) with the credit card associated with the check card during payment of the check card (e.g., 'O': cash processing normal processing, 'R'). ': Cash service reservation processing,' X ': cash service processing error) and a cash service authorization number item using a predetermined credit card associated with the check card (e.g., when the status value item is' O', A replacement (or conversion) authorization number with a credit card associated with the check card, or a reason for rejection (or conversion) with a credit card associated with the check card if the status value item is 'X' Done And that is characterized.

According to another embodiment of the present invention, some of the information included in the credit card processing details for the check card payment approval for the predetermined credit card associated with the check card is a message 3 item and / Alternatively, the message may be included in the item 4 and may be received by the payment terminal device 700, whereby the present invention is not limited.

FIG. 10 is a diagram illustrating a process of generating a full payment approval request in a payment terminal device 700 and transmitting the generated payment approval request to a payment server 600 according to an embodiment of the present invention.

Specifically, FIG. 10 generates a full payment approval request message as shown in FIG. 8 in the payment terminal apparatus 700 shown in FIG. 7 on the check card-based payment service providing system as shown in FIG. As an implementation method for the process of transmitting to the payment server 600 provided in the card company (or financial company) through), those skilled in the art to which the present invention pertains, refer to this figure 10 and / Alternatively, the present invention can be inferred from various methods of generating the full payment approval request in the payment terminal device 700 and transmitting the generated payment approval request to the payment server 600 according to the intention of the person skilled in the art. It is not limited by the method.

Referring to FIG. 10, the payment terminal apparatus 700 recognizes a card having a predetermined check card payment means through a predetermined card reader, reads the check card payment means information from the card (1000), Receives a check card payment information including a payment amount through a predetermined key input device, and / or receives a payment amount from a predetermined POS terminal (1005), the memory unit provided in the payment terminal device 700 ( In step 1010, merchant information including the terminal number is extracted from the block 750.

Thereafter, the payment terminal device 700 generates a predetermined payment approval request message including the check card payment means information, the check card payment information, and the affiliated store information (1015), and selects the generated payment approval request message. The payment network 655 transmits to the payment server 600 provided in the card company (or financial company) that issued the check card (1020).

11 is a diagram illustrating a process of processing a payment approval request full text in the payment server 600 according to an embodiment of the present invention.

In more detail, in FIG. 11, the card company (or financial company) approves the check card payment request using the full payment approval request received from the payment terminal device 700 through the process shown in FIG. 10, and the payment request. In the process of approving the payment, if the balance of the customer account associated with the check card is insufficient (or debit processing through the customer's account), the check card payment is linked to the check card according to the agreement between the customer and the card company. As an embodiment of the process of replacing (or converting) with a credit card, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11, and as described in the art to those skilled in the art. The payment server 600 replaces (or converts) the check card payment with a credit card associated with the check card during the check card payment processing. Would be able to infer a method embodiment, the present invention is not limited by the exemplary method of the inference. Hereinafter, the payment server 600 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 11, when a server provided in the card company (or financial company) receives a predetermined payment approval request message from the payment terminal device 700 through a predetermined payment network 655 (1100), Read the payment approval request full-text structure to extract the card number corresponding to the payment means information (1105), and based on the card number, the received payment approval request full-text check card payment according to the present invention in conjunction with the storage medium Check if the approval request is full (1110).

If the received payment approval request full text is not the check card payment approval request text according to the present invention (for example, if the extracted card number is not the check card number) (1115), the server receives the received payment approval request text. In operation 1120, a predetermined payment process corresponding to FIG.

On the other hand, if the received payment approval request full text is a check card payment approval request text according to the present invention (for example, if the extracted card number is a check card number) (1115), the server reads the payment approval request message structure The check card number and the payment amount information are extracted from the full payment approval request message (1125), a check card payment fee is calculated by applying a predetermined check card fee rate to the extracted payment amount (1130), and the extracted check card A predetermined authorization request amount is calculated by adding up the settlement amount and the check card fee (1135).

Thereafter, the server extracts the card company account number, the member bank code, the member account number and the member branch code, etc. included in the check card information from the storage medium based on the extracted check card number (1140). After the card-based debit processing to generate the contents to be printed in the member account (1145), as shown in Figure 8, the check card number, card company account number, authorization request amount, member bank code, member account number, member Generate a full check card debit processing authorization request message including the branch code and the bank account printing contents (1150), and the generated check card debit processing authorization request text to the member bank code through a predetermined financial network (660) And transmits to the corresponding financial system 665 (1155).

12 is a diagram illustrating a check card debit processing approval request specialized structure defined between a payment server 600 and a financial system according to an embodiment of the present invention.

In detail, FIG. 12 shows that the payment server 600 is connected to the financial system 665 between a payment server 600 provided in the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. As an exemplary method for a specialized structure for requesting a debit processing approval request for the check card, a person having ordinary skill in the art to which the present invention pertains will refer to and / or modify this drawing 12 and will be skilled in the art. It will be possible to infer the entire debit authorization request request debit card according to the intention, but the present invention includes, but is not limited to all implementation methods inferred.

Referring to FIG. 12, the payment server 600 is transferred to the financial system 665 between a payment server 600 provided in the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. The debit authorization of the debit card requesting the debit authorization for the debit card includes a common part of 57 bytes and a separate part of 293 bytes, and the common part comprises the payment for the check card-based payment processing. It is characterized in that it is commonly included in all transaction data transmitted and received between the server 600 and the financial system 665. Those skilled in the art to which the present invention pertains will clearly understand the items defined in the common part of the check card debit authorization request full text, and thus the detailed description thereof will be omitted for convenience.

Individual unit of the check card debit processing authorization request specialist is a check card number item (CARD-NUM) received from the payment terminal device 700 to the payment server 600 through the composite approval request message, and the authorization request amount The card company account number item (ACCOUNT) withdrawn from the member account to be processed and the payment amount received from the payment terminal device 700 and the predetermined fee calculated through the combined approval request message (APRV) A member bank code item (BANK-CDE), a member account number item (PAN), a member branch code (BRAN-CDE) item, and a member extracted from the storage medium based on the check card number. It includes a bank account factor content item (INFO), and further comprises a reservation (FILLER) for maintaining a block size of 293 bytes of the individual part.

FIG. 13 is a diagram illustrating an operation process of the financial system 665 which receives the full check card debit processing approval request from the payment server 600 according to the embodiment of the present invention.

In more detail, in Figure 13, the check card received from the payment server 600 in the financial system 665 opened a member account associated with the check card, the debit processing approval request request message as shown in Figure 12 by the check card As shown in FIG. 1, a method of providing a service provided to the payment server 600 by checking whether the debit card is approved based on the balance of the member account associated with the account is shown. Those skilled in the art, various services for the financial system 665 to provide customer credit-based cash services / card loan services during check card payment according to the present invention according to the intention to those skilled in the art by referring to and / or modifying this drawing 13 It may be inferred from the provision method, but the present invention includes all the inferred implementation methods, and the method of providing the service is shown in FIG. It is by no means limited to poetry.

Referring to FIG. 13, the financial system 665 having received the check card debit processing approval request message as shown in FIG. 12 from the payment server 600 provided in the card company (or financial company) through the same process as in FIG. 11, The authorization request amount, the member account number, and the member branch code are extracted from the check card debit processing approval request text (1300), and the balance information of the member account is extracted using the member account number and the member branch code (1305). .

Thereafter, the financial system 665 compares the approval request amount with the member account balance information, and confirms whether or not the check card debit processing approval corresponding to the full check card debit processing approval request is approved (1310). According to the implementation method, the member account balance is greater than the authorization request amount, and the authorization request amount can be transferred from the member account to the financial account corresponding to the card company account number included in the check card debit processing authorization request. In this case, the check card debit authorization for the full check card debit authorization request is determined.

If the check card debit authorization is not confirmed (1315), the financial system 665 generates a predetermined check card debit authorization result including the check card debit denied (or debit error) (1320). ).

On the other hand, if the check card debit authorization is confirmed (1315), the financial system 665 generates a predetermined check card debit authorization result including the check card debit authorization (1325).

Thereafter, the financial system 665 generates a predetermined check card debit processing approval result text including the check card debit processing approval result (1330), and the generated check card debit through a predetermined financial network 660. The entire process approval result is transmitted to the payment server 600 which transmits the check card debit processing approval request full text (1335).

14 is a diagram illustrating an operation process of a payment server 600 that receives a full check card debit processing approval result from a financial system 665 according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates an embodiment of a service providing process of a payment server 600 which receives a full check card debit processing approval result through the process shown in FIG. 13 from the financial system 665 associated with the check card. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 14 to associate the check card payment with the check card during check card payment according to the intention of the person skilled in the art. It will be possible to infer various service providing methods for the payment server 600 to replace (or convert) the processed credit card, but the present invention includes all the implementation methods inferred, It is by no means limited to that shown in 14. Hereinafter, in FIG. 14, the payment server 600 is referred to as a "server" for convenience.

Referring to FIG. 14, the payment server 600 receiving the full check card debit processing approval result from the financial system 665 associated with the check card through the process as shown in FIG. 13, approves the received check card debit processing. The full text of the result is read to check whether the debit card is approved (140).

If the check card debit processing approval result of the check card debit processing authorization request is confirmed (1405), the server generates a predetermined check card payment approval result including the check card debit processing approval result (1410), A predetermined payment approval text including the check card payment approval result is generated and transmitted to the payment terminal device 700 through the payment network 655 (1430).

On the other hand, if the check card debit processing approval result of the check card debit authorization request is denied (for example, if the account balance is less than the authorization request amount) (1405), the server stores the storage medium through the check card number. From 1415, it is checked whether the contract card information and the contract agreement information for replacing (or converting) the check card payment with the credit card associated with the check card are cooperatively processed and stored.

If the confirmation result is not confirmed contract information to be replaced (or converted) by the credit card associated with the check card (1420), the server includes a check card debit processing rejection (or debit processing error) result Generates a predetermined check card payment approval result (1425), and generates a predetermined payment approval full text including the check card payment approval result and transmits it to the payment terminal device 700 through the payment network 655 ( 1430).

On the other hand, if the agreement result confirmed that the replacement (or conversion) to the credit card associated with the check card processing (1420), the server replaces the stored credit card processed in connection with the agreement information from the storage medium Extract (or convert) contract processing information (1435) and replace (or convert) the check card payment with a credit card associated with the check card based on the credit card replacement (or convert) contract processing information, It is determined whether to process by credit settlement through the credit card or by cash service / card loan through the credit card (1440).

If the check card payment is processed as a credit payment through a credit card associated with the check card (1445), the server performs the check card payment through the credit card associated with the check card as shown in FIG. The credit settlement process is performed.

On the other hand, if the check card payment is processed as a cash service / card loan through the credit card associated with the check card (1445), the server as shown in Figure 16 the credit card payment associated with the check card as shown in FIG. Process through cash advances / card loans.

15 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request in a payment server 600 through a credit settlement associated with a check card according to an embodiment of the present invention.

In more detail, in FIG. 15, when it is determined in FIG. 14 that the check card payment is processed as a credit payment through a credit card associated with the check card, credit card information stored in the storage medium (eg, linked with check card information). As an embodiment of the present invention, a payment approval request corresponding to the full payment approval request is processed through credit card information stored in a storage medium. By referring to and / or modified to those skilled in the art according to the intention various payment methods for processing the credit approval request corresponding to the full payment approval request in the payment server 600 through the credit card payment means associated with the check card It may be inferred, but the present invention is not limited to the inferred practice. Hereinafter, the payment server 600 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 15, when it is determined in FIG. 14 that the check card payment is processed by credit payment through a credit card associated with the check card, the server includes a check including the check card number extracted from the storage medium. The credit card information associated with the card information is extracted (1500), and a predetermined payment amount is extracted from the full text of the payment approval request (1505).

Thereafter, the server compares the credit amount including the extracted payment amount with the credit limit amount (or total limit amount) included in the credit card information stored in the storage medium, thereby comparing the payment amount with the credit card amount. In operation 1510, it is possible to approve the credit settlement through the credit card payment means corresponding to the information.

If the payment approval request cannot approve the credit payment through the credit card payment means (1515), the server associates the check card payment error result and the check card payment approval request with the check card as shown in FIG. A predetermined payment approval message including a credit card payment error result using the credit card payment means is generated (1520).

On the other hand, if the payment approval request can approve the credit payment through the credit card payment means (1515), the server performs a credit payment approval procedure for the payment amount through the credit card payment means associated with the check card. Perform (1530).

If the credit settlement approval process through the credit card payment means associated with the check card is completed (1530), the server through the check card payment details and the credit card associated with the check card as shown in Figure 8b Generate a payment approval text including credit card payment details (1535), and store the credit card payment details through credit card associated with the check card in association with credit card information associated with the check card (1540). In operation 1545, the generated payment approval message is transmitted to the payment terminal device 700 through the payment network 655.

According to an embodiment of the present invention, the credit card payment details are stored in association with credit card information associated with the check card, so that the payment amount included in the credit card payment details is not the check card and the check card. It is preferred that the customer be billed for settlement on the associated credit card settlement date.

Thereafter, the payment terminal device 700 receives and reads the payment approval message through the payment network 655 to the check card payment approval message through the check card payment details and a credit card associated with the check card. Check whether the credit card payment details are included (1550).

If the payment approval message does not include the check card payment details and credit card payment details through a credit card associated with the check card (for example, if only the check card payment details are included) (1555), the payment terminal The device 700 outputs through the screen output device and / or printing device provided in the payment card device 700, the check card payment included in the payment approval (1560), and to the payment terminal device 700 The check card payment history is stored in the provided memory unit 750 (1565).

On the other hand, if the payment approval message includes the check card payment details and the credit card payment details through the credit card associated with the check card (1555), the payment terminal device 700 is included in the payment approval message. The check card payment history and the credit card payment history through the credit card associated with the check card are classified into respective details and output to the screen output device provided in the payment terminal device 700 and / or through the printing device (1570). In the memory unit 750 of the payment terminal device 700, the check card payment details and the credit card payment details through the credit card associated with the check card are classified and stored by storage area (or description). (1575).

FIG. 16 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server 600 through a credit card associated with a check card according to an embodiment of the present invention. to be.

In more detail, in FIG. 16, when it is determined in FIG. 14 that the check card payment is processed by a cash service (or a card loan) through a credit card associated with the check card, the credit card information stored in the storage medium (eg, check). Credit card information stored in a storage medium in association with card information) to process a payment approval request corresponding to the full payment approval request through a cash service (or card loan) through a credit card payment method associated with the check card. As an exemplary embodiment, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to correspond to the full text of the payment approval request in the payment server 600 as intended by those skilled in the art. Various types of payment approval requests are processed through a cash service (or card loan) through a credit card payment method associated with the check card. Although the method of implementation may be inferred, the present invention is not limited to the method of inference inferred. Hereinafter, the payment server 600 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 16, when it is determined in FIG. 14 that the check card payment is processed by a cash service (or a card loan) through a credit card associated with the check card, the server checks the extracted check card number from the storage medium. Extracts the credit card information associated with the check card information including (1600), and extracts a predetermined payment amount from the full payment approval request (1605).

Thereafter, the server compares the accumulated amount of cash service including the extracted settlement amount with the cash service limit amount (or total limit amount) included in the credit card information stored in the storage medium, thereby comparing the settlement amount with the credit card. In operation 1610, it may be processed through a cash service (or card loan) through a credit card payment means corresponding to the information.

If the payment approval request cannot be processed through the cash service (or card loan) through the credit card payment means (1615), the server sends the check card payment error result and the check card payment approval request as shown in FIG. In operation 1620, a predetermined payment approval text including a cash service processing error result including a failure to process through a cash service (or a card loan) through a credit card payment means associated with the check card is generated.

On the other hand, if the payment approval request can be processed through a cash service (or card loan) through the credit card payment means (1615), the server provides a predetermined cash service through the credit card payment means associated with the check card. A processing amount is calculated (1625), the calculated cash service processing amount is processed by a cash service (or card loan) through a credit card payment means associated with the check card (1630), and the check card as shown in FIG. 8B. Generate a payment approval message including a payment history and a cash service processing history through the credit card associated with the check card (1635), and check the cash service processing history through the credit card associated with the check card; The credit card information associated with the processing is stored in association with (1640), and the payment settlement authority through the payment network 655 through the generated payment approval full text And it transmits it to 700 (1645).

According to an embodiment of the present invention, by storing the cash service processing details in association with the credit card information associated with the check card, the payment amount included in the credit card payment history is not the check card and the check card. It is preferred that the customer be billed for settlement on the associated credit card settlement date.

Thereafter, the payment terminal device 700 receives and reads the payment approval message through the payment network 655 to the check card payment approval message through the check card payment details and a credit card associated with the check card. Check whether the cash service processing details are included (1650).

If the payment approval message does not include the check card payment details and the cash service processing details through the credit card associated with the check card (for example, if only the check card payment details are included) (1655), the payment terminal The device 700 outputs through a screen output device and / or a printing device provided in the payment card device 700, the check card payment included in the payment approval (1660), to the payment terminal device 700 The check card payment details are stored in the provided memory unit 750 (1665).

On the other hand, if the payment approval message includes the check card payment details and the cash service processing details through the credit card associated with the check card (1655), the payment terminal device 700 is included in the payment approval message. The check card payment history and the cash service processing history through the credit card associated with the check card are classified into respective details and output to the screen output device provided in the payment terminal device 700 and / or through the printing device (1670). In the memory unit 750 included in the payment terminal device 700, the check card payment details and the cash service processing details through the credit card associated with the check card are classified and stored by storage area (or description). (1675).

According to the present invention, if the customer account balance associated with the check card (or debit processing through the customer account is not possible) during the payment using the check card, through the credit card (or virtual credit card) associated with the check card The check card payment is approved by credit payment, or the check card payment is processed by a cash service (or card loan) through the credit card (or a virtual credit card), thereby providing an advantage.

Claims (2)

In the case of payment approval processing using a check card (or debit card), if payment approval is not possible due to insufficient balance of the payment account associated with the check card (or debit card), the check card (or debit card) information is linked. An information checking unit for checking whether a processed credit settlement function exists; And As a result of the check, if there is a credit settlement function linked to the check card (or debit card) information, the payment authorization processing amount using the credit settlement function linked to the check card (or debit card) information Payment approval processing unit for replacing the payment approval for the whole or shortage; Payment approval processing device of the check card (or debit card) characterized in that comprises a. The method of claim 1, wherein the credit settlement function, It is a credit payment function using an actual credit card of the user of the check card (or debit card), or Payment check processing apparatus for a check card (or debit card) characterized in that it comprises a virtual credit payment function set as collateral for the user of the check card (or debit card).

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