KR20080010087A - System and method for processing payment overseas card and recording medium - Google Patents

Abstract

A system and a method for processing overseas card payment, and a recording medium for the same are provided to perform a payment authentication procedure corresponding to the overseas card through an information registration system for registering the overseas credit card member shop. A message receiving unit(900) receives a payment authentication request message as to a credit card used overseas. A message confirming unit(905) confirms the payment authentication request message whether a credit card is used in domestic or overseas. Credit card member shop information is extracted by an information extracting unit(910). A message processing unit(920) asks for payment authentication to a settlement server by replacing the member shop information with company information of agency payment.

Description

System and Method for Processing Payment Overseas Card and Recording Medium}

1 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to an embodiment of the present invention.

3 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

4 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

5 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

6 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

7 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

8 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a configuration of an overseas card payment processing system according to an embodiment of the present invention.

10 is a diagram illustrating a functional configuration of a payment terminal having a payment mode according to an embodiment of the present invention.

11 is a diagram illustrating a specialized structure for requesting payment approval request according to an embodiment of the present invention.

12 is a diagram illustrating a payment approval professional structure according to an embodiment of the present invention.

13 is a diagram illustrating a payment receipt according to an embodiment of the present invention.

14 is a diagram illustrating a foreign card payment processing process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information processing unit

130: storage medium 135: bansa server

140: Document purchase company server

900: professional receiving unit 905: professional confirmation unit

910: information extraction unit 915: information confirmation unit

920: professional processing unit 925: purchase agent agency server

930: payment server

The present invention by using at least one merchant through the information registration system for registering overseas card merchants, using the information on the purchase agent agency, overseas card merchant information, merchant business information and the purchase company (or card company) information stored in a predetermined storage medium The present invention relates to a payment processing system for performing a payment approval procedure corresponding to the foreign card when paying a card.

Currently, full-time card companies are in charge of purchasing overseas cards (eg, cards issued by foreign card issuers), and the purchase method of the overseas card sales is based on the method in which the merchant designates the purchase company (or card company); Bansa may arbitrarily designate a ticket purchase company (or card company).

Here, when a merchant (for example, a large merchant) designates a purchase company (or card company), the purchase company (or card company) competitively lowers merchant fee for overseas card sales separately from domestic card sales to attract merchants. As such, the company's profitability is extremely low due to the dualization of fees for domestic and overseas sales.

On the other hand, in the case of a small affiliate store where the affiliate does not designate a ticket purchase company (or card company), the merchant fee is applied equally to domestic sales and overseas card sales, and thus profitability is generated by profits from fees paid to overseas card issuers. This is good, but the vouchers that recruit the merchants are arbitrarily designated by the voucher purchase company, which includes a problem that the purchase autonomy of the voucher (or card company) is very limited.

Due to the problems inherent in the purchase business for conventional overseas card sales as described above, most card companies passively proceed with the purchase business for overseas card sales.

An object of the present invention, at least one or more information using the purchase agent information, overseas card merchant information, merchant business information and the purchase company (or card company) information stored in a predetermined storage medium through an information registration system for registering overseas card merchants The present invention provides a payment processing system and method for performing a payment approval procedure corresponding to the overseas card at the time of payment at an affiliated card.

In the overseas card settlement processing method according to the present invention, the information on the purchase agent of the agency that has entered into a purchase agent agency contract according to the approval of the overseas card payment with a predetermined merchant in a predetermined information storage means and the purchase agent and the overseas card slip purchase contract A step of linking the signed document purchase company (or card company) information and the overseas card affiliate store information to a predetermined storage medium; Receiving the full text of the foreign card payment approval request transmitted from at least one merchant terminal in a predetermined message receiving means; Reading the full text of the payment approval request in a predetermined text confirming means to determine whether it is an overseas card payment approval request or a domestic card payment approval request; Extracting affiliate store information from the foreign card payment approval request message in a predetermined information extracting means; Confirming information on a ticket purchase agency corresponding to the affiliated store information in connection with the storage medium (or storage medium operating means) in a predetermined information checking means; When the slip purchase agency information is confirmed, a payment server corresponding to the slip purchase company (or card company) information by replacing the merchant information included in the full foreign card payment approval request message with the slip purchase agent affiliate information in a predetermined professional processing means. Requesting a payment authorization to; When the payment approval details corresponding to the full payment approval request message are received from the payment server, the payment processing message including the payment approval details is transmitted from the specialized processing means to the affiliated store terminal, and the payment approval history information is further transmitted. Transmitting to the purchase agent agency server; characterized in that comprises a.

According to the present invention, the overseas card payment processing method comprises: generating the overseas card slip purchase information by a predetermined information generating means; Transmitting, by a predetermined information transmission means, the foreign card slip purchase information to a slip purchase company (or card company) server corresponding to the slip purchase company (or card company) information identified from the storage medium; When a predetermined overseas card slip purchase result is received from the slip purchase company (or card company) server, the slip purchase agency server corresponding to the slip purchase agency information confirmed by the slip purchase means by the predetermined slip processing means from the storage medium. Transmitting to; And calculating the settlement amount corresponding to the overseas card affiliate fee in the affiliated store in connection with the storage medium in the slip purchase agency server.

According to the present invention, the information on the purchase agent of the agency that has entered into a contract purchase agency according to the payment card approved by the merchant and a predetermined merchant in a predetermined information storage means and the purchase agent of the contract that the contract purchase agent and the overseas card purchase contract is concluded (or Card company) information and the overseas card affiliate store information in the process of linking and storing in a predetermined storage medium, the foreign card affiliate store information and the merchant business type information for which the overseas card merchant contract is concluded in a predetermined Bansa server, the purchase agent agency server Transmitting to; Transmitting the overseas card affiliate store information and the affiliate store business type information from the ticket purchase event server to a predetermined purchase company (or card company) server; Determining a merchant fee corresponding to the affiliated store type information in the slip purchase company (or card company) server, and transmitting the merchant fee information to the slip purchase company (or card company) server; Generating the overseas card slip purchase contract information corresponding to the overseas card affiliate store in the slip purchase agency server.

According to the present invention, the information on the purchase agent of the agency that has entered into a contract purchase agency according to the payment card approved by the merchant and a predetermined merchant in a predetermined information storage means and the purchase agent of the contract that the contract purchase agent and the overseas card purchase contract is concluded (or Card company) information and the overseas card affiliate store information linking process to store in a predetermined storage medium, the purchase agent agency server overseas card affiliate store information and the merchant business type information for which the overseas card merchant contract is concluded a predetermined bansa Transmitting to the server to request a merchant registration; When the affiliated store registration is confirmed, transmitting the foreign card affiliated store information and the affiliated store type information from the ticket purchase agency server to a predetermined purchase company (or card company) server; Determining a merchant fee corresponding to the affiliated store type information in the slip purchase company (or card company) server, and transmitting the merchant fee information to the slip purchase company (or card company) server; Generating the overseas card slip purchase contract information corresponding to the overseas card affiliate store in the slip purchase agency server.

According to the present invention, the specialized processing means, when replacing the merchant information included in the full foreign card payment approval request message with the merchant purchase agent merchant information, through the merchant purchase agent affiliate store information corresponding to the merchant business type the overseas card Characterized by replacing the merchant information contained in the full payment approval request.

According to the present invention, the payment approval text may include an overseas card slip purchase agent processing message information in an annotation item, and / or include the slip purchase agency phone number information in an inquiry telephone item.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described overseas card payment processing method.

On the other hand, the overseas card payment processing system according to the present invention, the information on the purchase agent of the agency that has signed a purchase agent contract with a predetermined merchant and overseas card payment approval, and the purchase agent of the purchase agreement with the overseas purchase card agency (Or card company) information storage means for storing the information stored in a predetermined storage medium by linking the information with the foreign card affiliate store information; Specialized receiving means for receiving a full text of an overseas card payment approval request transmitted from at least one affiliated store terminal; A professional verification means for reading the full payment approval request and confirming whether it is an overseas card payment approval request or a domestic card payment approval request; Information extracting means for extracting affiliate store information from the full foreign card payment approval request; Information checking means for confirming information on a ticket purchase agency corresponding to the affiliated store information in association with the storage medium (or storage medium operating means); When the information on the purchase agent of the slip is confirmed, the merchant information included in the foreign card payment approval request message is replaced with the information on the purchase agent of the slip agency to request payment approval to the payment server corresponding to the information on the purchase company (or card company). When the payment approval details corresponding to the full payment approval request message are received from the payment server, the payment approval message including the payment approval details is transmitted to the affiliated store terminal, and the payment approval history information is also transmitted to the slip purchase agency server. Specialized processing means for transmitting to; characterized in that it comprises.

According to the present invention, the specialized processing means, when replacing the merchant information included in the full foreign card payment approval request message with the merchant purchase agent merchant information, through the merchant purchase agent affiliate store information corresponding to the merchant business type the overseas card Characterized by replacing the merchant information contained in the full payment approval request.

According to the present invention, the payment approval text may include an overseas card slip purchase agent processing message information in an annotation item, and / or include the slip purchase agency phone number information in an inquiry telephone item.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be 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 properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

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

1 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to an embodiment of the present invention.

In more detail, Figure 1 shows that when a predetermined merchant fills out an overseas card merchant registration application form including an overseas card merchant registration information according to the present invention and submits it to a ticket purchase agency (for example, when recruiting an overseas card merchant from a ticket purchase agency) ), From the predetermined manager terminal provided in the ticket purchasing agency to input the overseas card affiliate store registration information included in the overseas card merchant registration application, and transmits to the server provided in the ticket purchasing agency, the server from the overseas card merchant As a system configuration for storing registration information in a predetermined storage medium 130, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to register an overseas card merchant. Various implementation methods for the information registration system configuration can be inferred, but the present invention is It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, the configuration corresponding to at least one or more means and / or functional configuration for storing the foreign card merchant registration information contained in the foreign card merchant registration application on the storage medium 130 on the information registration system shown in FIG. The element is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for registering an overseas card affiliate store according to the present invention includes at least one manager terminal connected to a predetermined network means, and an overseas card transmitted from the manager terminal. A storage medium 130 for storing affiliate store registration information, and an overseas card affiliate store registration information transmitted through the network unit, connected to the manager terminal through a predetermined network means, and stored in the storage medium 130. Characterized in that it comprises an information registration server 100.

The manager terminal is connected to a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). And at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100, wherein the manager terminal is at least one provided by the information registration server 100. A function configuration (for example, a browser program and a communication function) for outputting the above information registration interface screen and inputting and / or selecting at least one information through the information registration interface screen and transmitting the selected information to the information registration server 100 is provided. It is preferable that it is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the manager terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus a detailed description thereof is omitted for convenience. .

According to an embodiment of the present invention, when the manager terminal is a wired terminal, the network means preferably comprises the TCP / IP based wired network.

The storage medium 130 provided on the information registration system according to the present invention is characterized in that for storing the overseas card affiliate store registration information transmitted from the administrator terminal, the overseas card affiliate store registration information is the merchant and overseas card payment Characterized in that the purchase agent for the purchase of the slip on the basis of the approval, the foreign card merchant information, and the merchant business type information, characterized in that the storage medium 130 is provided in the ticket purchase agency, and It is possible to be provided on the bansa, and / or provided on the network that is accessible from the purchase agent and bansa, and the present invention is not limited thereto.

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the overseas card merchant registration application in the overseas card slip purchase agent terms and conditions of the ticket buying agency, and the overseas card slip buying agency between the merchant and the ticket buying agency A contract is included, and the affiliated owner reads the foreign card slip purchase agency terms and conditions, and preferably includes a form for signing an overseas card slip purchase agency agreement between the merchant and the slip purchase agency.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the manager terminal inputs information including the fact that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency. It is preferred that a user interface is included (or selected).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agency contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa) (Or a card company) preferably includes a form for filling out the affiliate store's unique number assigned to the affiliate store.

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store registration information (eg, merchant name information, representative information, merchant number information, business registration number information, business status). Information, item information, telephone number information, merchant location information, etc.) preferably includes a form for filling in at least one information, in this case, the merchant number may be provided from the bansa managing the merchant registration information.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store; And / or a user interface for inputting (or selecting) an affiliated store's unique number assigned to the affiliated store by a bansa (or a card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes at least one or more affiliate store registration information (for example, affiliate store mutual information, representative information, affiliate store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) is included, in which case the information registration server 100 manages the merchant registration information It is preferable to receive a predetermined merchant number corresponding to the affiliated store registration information from the bansa server 135.

In addition, the merchant business information included in the overseas card affiliate store registration information comprises the representative industry type information (eg, lodging, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales As a result, the merchant fee for the overseas card sales is differentially applied.

In order to include the merchant business information in the overseas card merchant registration information, it is preferable that the overseas card merchant registration application form includes a form for entering the representative industry information corresponding to the type of business / item included in the business registration certificate of the merchant .

Alternatively, in order to include the merchant business information in the overseas card affiliate store registration information, the overseas card merchant registration application form preferably includes a form for entering the type of business / item included in the business registration certificate of the merchant, in this case The information registration server 100 preferably reads the business status / item and checks representative business type information corresponding to the business status / item.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the representative registration type information corresponding to the type of business / item included in the business registration certificate of the affiliated store is entered (or selected) on the information registration interface screen outputted to the manager terminal. Preferably, the user interface is included.

Alternatively, a user interface for inputting (or selecting) a business status / item included in a business registration certificate of the affiliated store on the information registration interface screen outputted to the manager terminal to include the affiliated store business type information in the overseas card affiliated store registration information. Preferably, in this case, the information registration server 100 reads the business status / item, it is preferable to check the representative industry information corresponding to the business status / item.

According to an embodiment of the present invention, the information registration server 100 connects and manages a predetermined communication channel with the manager terminal through the network means in order to provide a web interface corresponding to the manager terminal and the network means. It characterized in that it comprises an interface unit 105, whereby the information registration server 100 has a function of a web server to communicate with the manager terminal via a wired network and / or a wireless network.

According to an embodiment of the present invention, when the manager terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the interface unit 105 is connected to the manager terminal with a Hyper-Text Transfer Protocol (HTTP) protocol. A predetermined communication channel is connected to the controller, and the information registration interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the manager terminal through the communication channel and outputted. It is preferable to perform a function of receiving and processing predetermined overseas card affiliate store registration information input (or selected) through the information registration interface screen from the terminal.

Referring to FIG. 1, when the administrator terminal is connected to the information registration server 100 through the interface unit 105, the information registration server 100 works in conjunction with the interface unit 105. Generates (or extracts) a predetermined information registration interface screen for inputting (or selecting) the foreign card merchant registration information included in the overseas card merchant registration application submitted by the merchant registering as the overseas card affiliate Provided with the interface providing unit 110 and the interface unit 105, the information receiving unit 115 for receiving the registration information (overseas card affiliate store registration) transmitted from the administrator terminal via the information registration interface screen (10). And an information storage unit 120 for storing the received overseas card affiliate store registration information in the storage medium 130. Characterized in that eojineun.

In addition, when the information registration server 100 includes the information to be received from the bansa server 135 for managing the merchant registration information in the received overseas card affiliate store registration information, the overseas from the bansa server 135 It is preferable to further comprise a bansa side information processing unit 125 for requesting / receiving predetermined bansa provision information corresponding to the card merchant registration information.

In addition, the information registration server 100 from the ticket purchase company (or card company) server 140, when the received overseas card merchant registration information includes information that should be provided from a predetermined ticket purchase company (or card company) It is preferable to further include a ticket purchase company (or card company) side information processing unit 125 for requesting / receiving predetermined ticket purchase company (or card company) providing information corresponding to the foreign card merchant registration information.

The interface providing unit 110, when a predetermined manager terminal is connected to the information registration server 100 through the interface unit 105, the functional configuration provided in the manager terminal (for example, a browser program provided in the manager terminal) Generate (or select) predetermined overseas card affiliate registration information and transmit the predetermined foreign information registration interface screen to the information registration server 100 through the network means, and / or a predetermined database. The information registration interface screen extracted from (not shown) and linked with the interface unit 105 is provided to the manager terminal through the network means.

According to another exemplary embodiment of the present invention, when the application is provided to the information registration server 100 by inputting (or selecting) the overseas card affiliate store registration information to the manager terminal, the interface providing unit 110 is provided. The function of generating (or extracting) the information registration interface screen and providing it to the administrator terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the manager terminal inputs (or selects) predetermined overseas card affiliate store registration information on the basis of the information registration interface screen, and transmits the input (or selected) overseas card affiliate store registration information through the network means. Send to the registration server 100.

The information receiving unit 115 inputs (or selects) predetermined overseas card affiliate store registration information through the information registration interface screen in the manager terminal and transmits the information through the network means, interworking with the interface unit 105. And receiving the overseas card affiliate store registration information, and the information receiving unit 115 provides the received overseas card affiliate store registration information to the information storage unit 120.

According to an exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information, the information receiving unit 115 stores the overseas card affiliate store. The registration information is provided to the bansa side information processing unit 125.

According to another exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company), the information receiving unit 115 stores the overseas card affiliate store registration information. The information is provided to the document purchase company (or card company) side.

The information storage unit 120 is the ticket purchase agency information contained in the overseas card affiliate store registration information received through the information receiving unit 115, the overseas card affiliate store information, the merchant business information and the ticket purchase company ( Or card company) information is stored in a predetermined storage medium 130 by linking the information.

Here, the information on the purchase company (or card company) is the information on the purchase company (or card company) specified to purchase a document corresponding to the overseas card sales of the merchant on the purchase agent agency terms (or card company).

According to the method of the present invention, the slip purchase company (or card company) information is preferably made to include information for identifying at least one slip purchase company (or card company) with the slip purchase agency and overseas card slip purchase contract. .

The bansa side information processing unit 125 includes a predetermined communication means (for example, an information registration server) when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information. A dedicated communication network connecting the 100 and the bansa server 135) to request the bansa server 135 to provide predetermined bansa information corresponding to the overseas card affiliate registration information, and the bansa corresponding to the request. The provided information is received and provided to the information storage unit 120.

For example, instead of a merchant number in the received overseas card affiliate store registration information, predetermined merchant registration information (for example, merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, affiliate store) Location information, etc.), the bansa side information processing unit 125 provides the affiliated store information to the bansa server 135, and a predetermined affiliate store number corresponding to the affiliated store registration information from the bansa server 135. Receives and provides to the information storage unit 120.

The ticket purchase company (or card company) side information processing unit 125 includes a predetermined communication means (for example, information registration) when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company). A predetermined ticket purchase company corresponding to the overseas card affiliate store registration information to the ticket purchase company (or card company) server 140 through a server 100 and a dedicated communication network connecting the ticket purchase company (or card company) server 140. Card company) requests the provided information, receives predetermined (or card company) provided information corresponding to the request, and provides the received information to the information storage unit 120.

For example, the ticket purchase company (or card company) side information processing unit 125 provides the affiliated store type information to the ticket purchase company (or card company) server 140, from the ticket purchase company (or card company) server 140 from the merchant Receives the merchant fee information (for example, the fee rate information corresponding to the overseas card sales of the merchant) corresponding to the industry information is provided to the information storage unit 120.

According to the exemplary embodiment of the present invention, the information storage unit 120 processes the information stored in the storage medium 130 in association with the ticket purchase agency information, the foreign card merchant information, the merchant business information, the slip It is preferable to include purchase company (or card company) information, and / or merchant fee information.

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming the conclusion of the agency contract, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company) and the merchant's unique number assigned to the merchant, etc.), according to the implementation method of the merchant registration information (for example, merchant information, representative information, merchant number information, business registration number information, business status information, items) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the slip purchase company (or card company) information includes information for identifying at least one slip purchase company (or card company) is signed with the purchase agent overseas card slip purchase contract.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

2 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to an embodiment of the present invention.

In more detail, Figure 2 is a member of the information registration system for registration of overseas card merchants shown in Figure 1 in the overseas card merchant registration form containing the overseas card merchant registration information according to the present invention to create and submit to the purchase agent If (eg, recruitment of overseas card merchants from the ticket purchase agency), the predetermined manager terminal provided in the ticket purchase agency inputs the overseas card merchant registration information included in the overseas card merchant registration application to the ticket purchase agency The information registration process for transmitting to the provided server, the server stores the foreign card registration information registered in a predetermined storage medium 130, if the person having ordinary knowledge in the technical field to which the present invention belongs In the information registration process for registering an overseas card merchant by referring to and / or modifying the drawing 2 Would be able to infer a variety of exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the information registration server 100 provided in the ticket purchasing agency shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 2, when a predetermined affiliate store prepares an overseas card affiliate store registration application including overseas card affiliate store registration information according to the present invention and submits it to a purchase agent, the administrator terminal provided in the purchase agent is determined. When the server accesses the server through a network means and requests the registration of the overseas card affiliate according to the present invention (200), the server correspondingly registers a predetermined information registration interface screen for the member to register as the overseas card affiliate according to the present invention. Generate (or extract) 205 and provide the generated (or extracted) information registration interface screen to the manager terminal through the network means and output (210).

Thereafter, the administrator terminal inputs (or selects) at least one overseas card affiliate store registration information entered in the overseas card affiliate store registration application submitted from the affiliate store through the information registration interface screen (215), and enters (or The selected foreign card merchant registration information is transmitted to the server through the network means (220).

According to the implementation method of the present invention, the overseas card affiliate store registration information includes a ticket purchase agency information for the purchase of the agent according to the merchant and the overseas card payment approval, the overseas card affiliate store information, and the merchant business type information It is preferable.

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the overseas card merchant registration application form for the overseas card slip purchase agent terms of the ticket buying agency and the overseas card slip purchase agent between the merchant and the ticket buying agency It includes a row contract, it is preferable that the merchant owner is included in the form of signing the overseas card slip purchase agency agreement between the merchant card and the agent purchase agent read the overseas card slip agency.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the manager terminal inputs information including the fact that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency. It is preferred that a user interface is included (or selected).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agency contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa) (Or a card company) preferably includes a form for filling out the affiliate store's unique number assigned to the affiliate store.

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store registration information (eg, merchant name information, representative information, merchant number information, business registration number information, business status). Information, item information, telephone number information, merchant location information, etc.) preferably includes a form for filling in at least one information, in this case, the merchant number may be provided from the bansa managing the merchant registration information.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store; And / or a user interface for inputting (or selecting) an affiliated store's unique number assigned to the affiliated store by a bansa (or a card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes at least one or more affiliate store registration information (for example, affiliate store mutual information, representative information, affiliate store number information, A user interface for inputting (or selecting) business registration number information, business status information, item information, phone number information, merchant location information, etc.), in which case the server manages the merchant registration information. It is preferable to receive a predetermined affiliate store number corresponding to the affiliated store registration information.

In addition, the merchant business information included in the overseas card merchant registration information is made to include the representative industry information (eg, accommodation, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales; In this way, the merchant fee for the overseas card sales is differentially applied.

In order to include the merchant business information in the overseas card merchant registration information, it is preferable that the overseas card merchant registration application form includes a form for entering the representative industry information corresponding to the type of business / item included in the business registration certificate of the merchant .

Alternatively, in order to include the merchant business information in the overseas card affiliate store registration information, the overseas card merchant registration application form preferably includes a form for entering the type of business / item included in the business registration certificate of the merchant, in this case The server preferably reads the business status / items and checks representative business information corresponding to the business status / items.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the representative registration type information corresponding to the type of business / item included in the business registration certificate of the affiliated store is entered (or selected) on the information registration interface screen outputted to the manager terminal. Preferably, the user interface is included.

Alternatively, a user interface for inputting (or selecting) a business status / item included in a business registration certificate of the affiliated store on the information registration interface screen outputted to the manager terminal to include the affiliated store business type information in the overseas card affiliated store registration information. Preferably, in this case, the server reads the business status / item, it is preferable to check the representative business information corresponding to the business status / item.

Thereafter, the server reads the received overseas card affiliate store registration information and checks whether information should be requested to the bansa server 135 to register the overseas card affiliate store according to the present invention (225).

According to the embodiment of the present invention, the overseas card affiliate store information included in the overseas card affiliate store registration information includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa (or Merchant registration information (e.g., merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, merchant location information instead of the merchant unique number assigned to the merchant) Etc.), the server preferably requests an affiliate store number corresponding to the affiliate store registration information to the bansa server 135.

If the request to provide information to the bansa server 135 to register the overseas card affiliate store (230), the server provides the information for registering the overseas card affiliate to the bansa server 135 through a predetermined communication means Request (eg, provide merchant registration information included in the overseas card affiliate store registration information to the bansa server 135), and request information (for example, the bansa server 135) from the bansa server 135; A merchant number corresponding to the provided merchant registration information) is received (235).

In addition, the server reads the received overseas card affiliate store registration information to determine whether to provide information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store according to the present invention (240).

According to the implementation method of the present invention, if the merchant fee information corresponding to the merchant business information included in the overseas card affiliate store registration information should be provided from the ticket purchase company (or card company), the server receives the merchant business information on the ticket purchase company (Or card company) It is preferable to request the merchant fee information corresponding to the merchant business information.

According to another exemplary embodiment of the present invention, if the merchant fee corresponding to the affiliated store type information may be checked by the server, the affiliated store fee information may be transmitted to the ticket purchase company (or card company) server 140 in the overseas card affiliated store registration process. The requesting process may be omitted, and the process of providing the affiliated store type information from the server to the slip purchase company (or card company) server 140 for setting up the affiliated store fee may be performed in a batch form later.

If the request to provide information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store (245), the server through the predetermined communication means the ticket purchase company (or card company) server 140 Requesting the provision of information for overseas card merchant registration (for example, providing the merchant business type information included in the overseas card merchant registration information to the ticket purchaser (or card company) server 140) and the ticket purchaser (or card company) In step 250, the server 140 receives the requested information (eg, merchant fee information corresponding to merchant business information provided to the ticket purchase company (or card company) server 140).

Subsequently, the server is included in the overseas card affiliate store registration information received from the manager terminal, and / or the bansa server 135 and / or the ticket purchase company (or card company) server based on the overseas card affiliate store registration information ( 140, the purchase agent information, the foreign card merchant information, merchant business information and merchant information (or card company) information and / or merchant fee information provided in conjunction with and stored in a predetermined storage medium 130 ( 255).

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming the conclusion of the agency contract, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company) and the merchant's unique number assigned to the merchant, etc.), according to the implementation method of the merchant registration information (for example, merchant information, representative information, merchant number information, business registration number information, business status information, items) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the slip purchase company (or card company) information includes information for identifying at least one slip purchase company (or card company) is signed with the purchase agent overseas card slip purchase contract.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

3 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to another embodiment of the present invention.

In more detail, Figure 3 shows a client terminal 300 used by a given merchant owner accesses a server provided in a ticket purchase agency through a predetermined network means to store overseas card merchant registration information for registering an overseas card merchant. As a person having ordinary knowledge in the technical field to which the present invention pertains, various implementation methods for configuring an information registration system for registering an overseas card affiliate store by referring to and / or modifying this drawing 3 It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, the configuration corresponding to at least one or more means and / or functional configuration for storing the foreign card merchant registration information provided from the client terminal 300 to the storage medium 130 on the information registration system shown in FIG. The server provided in the slip purchasing agency including the element is referred to as "information registration server 100" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for registering an overseas card affiliate store according to the present invention includes at least one client terminal 300 connected to a predetermined network means, and the client terminal 300. Storage medium 130 for storing the foreign card merchant registration information transmitted from the; and the client terminal 300 is connected through a predetermined network means, and receives the overseas card merchant registration information transmitted through the network means Characterized in that it comprises an information registration server 100 to be stored in the storage medium 130.

The client terminal 300 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a communication system, and / or connected to a code division multiple access (CDMA) based mobile communication network. A wireless terminal including at least one mobile communication terminal and / or a portable internet terminal connected to an IEEE 802.16x based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network. Characterized in that it comprises one or more, wherein the client terminal 300 is made from the information registration server 100 Outputting at least one information registration interface screen, and inputting and / or selecting at least one information via the information registration interface screen to transmit the information to the information registration server 100 (eg, communicating with a browser program) Function) is preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 300 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 300 is a wired terminal, the network means includes the TCP / IP based wired network, and when the client terminal 300 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or the IEEE 802.16x based high speed wireless Internet, and / or the DataTAC / Mobitex based wireless data communication network.

The storage medium 130 provided on the information registration system according to the present invention is characterized in that for storing the overseas card affiliate store registration information transmitted from the client terminal 300, the overseas card affiliate store registration information and the affiliated store; Slip buying agency information for the purchase of the slip according to the overseas card payment approval, characterized in that it comprises the overseas card merchant information, the merchant business information, and the storage medium 130 is provided in the ticket purchase agency or And / or may be provided on the bansa, and / or provided on the network that is accessible from the purchase agent and bansa, whereby the present invention is not limited.

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the client terminal 300 includes that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency It is preferred to include a user interface for entering (or selecting) information (e.g., overseas card slip purchase agency terms and information confirming that the terms and conditions have been agreed).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agency contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the client terminal 300 includes the affiliate store number (eg, provided in the payment terminal 1000 provided in the affiliate store). And a user interface for inputting (or selecting) CAT_ID information and / or an affiliate store unique number assigned to the affiliated store by the bansa (or card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen output to the client terminal 300 includes at least one or more affiliate store registration information (eg, affiliate store mutual information, representative information, affiliate store). Number information, business registration number information, business status information, item information, telephone number information, merchant location information, etc.) is included, and in this case, the information registration server 100 includes the merchant registration information. It is preferable to receive a predetermined merchant number corresponding to the affiliated store registration information from the bansa server 135 managing the.

In addition, the merchant business information included in the overseas card merchant registration information is made to include the representative industry information (eg, accommodation, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales; In this way, the merchant fee for the overseas card sales is differentially applied.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs the representative type information corresponding to the type of business / item included in the business registration certificate of the affiliated store ( Or a user interface).

Alternatively, in order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs (or selects) the type of business / item included in the business registration certificate of the affiliated store. It is preferable that a user interface is included. In this case, the information registration server 100 may read the business status / item and check the representative industry information corresponding to the business status / item.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 300 through the network means in order to provide a web interface corresponding to the client terminal 300 and the network means. And an interface unit 105 for connecting and managing channels, whereby the information registration server 100 is connected to the client terminal 300 via a wired network and / or a wireless network. It has the function of a server.

According to an exemplary embodiment of the present invention, when the client terminal 300 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 105 connects to the client terminal 300 and HTTP ( Connects a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and the information registration interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 300 through the communication channel. It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined overseas card affiliate store registration information input (or selected) through the information registration interface screen from the client terminal 300.

According to another exemplary embodiment of the present invention, when the client terminal 300 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 105 is connected to the client terminal 300 and a WAP (Wireless). Connect a predetermined communication channel based on an Application Protocol (MO) and / or Mobile Explorer (ME) protocol, and the information in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal 300 through the communication channel. It is preferable to perform a function of transmitting and outputting a registration interface screen and / or an information providing screen and receiving and processing predetermined overseas card affiliate store registration information corresponding to the information registration interface screen from the client terminal 300.

According to another exemplary embodiment of the present invention, when the client terminal 300 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 105 is connected to the client terminal 300. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined information registration interface screen and / or an information providing screen to the client terminal 300 through the communication channel; And receiving and processing a predetermined overseas card affiliate store registration information corresponding to the information registration interface screen from the client terminal 300, and / or the client terminal 300 based on DataTAC / Mobitex. When the communication channel is connected through a wireless network, the interface unit 105 is the client It connects a horse 300 with a predetermined communication channel based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and a predetermined information registration interface screen and / or information providing screen to the client terminal 300 through the communication channel. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing predetermined overseas card affiliate store registration information corresponding to the information registration interface screen from the client terminal 300.

Referring to FIG. 3, the information registration server 100 cooperates with the interface unit 105 when a predetermined client terminal 300 accesses the information registration server 100 through the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined information registration interface screen for allowing the client terminal 300 to input (or select) and transmit predetermined overseas card affiliate store registration information, and the interface unit. An information receiving unit 115 for receiving the overseas card affiliate store registration information that is input (or selected) and transmitted from the client terminal 300 through the information registration interface screen in association with the 105; and the received overseas card affiliate store registration And an information storage unit 120 for storing information in the storage medium 130.

In addition, when the information registration server 100 includes the information to be received from the bansa server 135 for managing the merchant registration information in the received overseas card affiliate store registration information, the overseas from the bansa server 135 It is preferable to further comprise a bansa side information processing unit 125 for requesting / receiving predetermined bansa provision information corresponding to the card merchant registration information.

In addition, the information registration server 100 from the ticket purchase company (or card company) server 140, when the received overseas card merchant registration information includes information that should be provided from a predetermined ticket purchase company (or card company) The ticket purchase company (or card company) side information processing unit 125 for requesting / receiving predetermined ticket purchase company (or card company) providing information corresponding to the overseas card affiliate store registration information is preferably provided.

The interface providing unit 110 has a functional configuration (for example, a client) provided in the client terminal 300 when a predetermined client terminal 300 is connected to the information registration server 100 through the interface unit 105. A predetermined information registration interface screen for inputting (or selecting) predetermined overseas card affiliate store registration information corresponding to the browser program provided in the terminal 300 and transmitting the predetermined overseas registration card to the information registration server 100 through the network means. Create and / or extract from a predetermined database (not shown), and link the generated (or extracted) information registration interface screen with the interface unit 105 to the client terminal 300 via the network means. It is characterized by providing.

According to another exemplary embodiment of the present invention, when the application is provided to the information registration server 100 by inputting (or selecting) the overseas card affiliate store registration information to the client terminal 300, the interface providing unit The function of generating (or extracting) the information registration interface screen by the 110 and providing it to the client terminal 300 may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal 300 inputs (or selects) predetermined overseas card affiliate store registration information based on the information registration interface screen, and inputs the input (or selected) overseas card affiliate store registration information through the network means. It transmits to the information registration server 100.

The information receiving unit 115 inputs (or selects) predetermined overseas card affiliate store registration information from the client terminal 300 through the information registration interface screen and transmits the same through the network means. And receiving the overseas card affiliated store registration information by interlocking. The information receiving unit 115 provides the received overseas card affiliated store registration information to the information storage unit 120.

According to an exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information, the information receiving unit 115 stores the overseas card affiliate store. The registration information is provided to the bansa side information processing unit 125.

According to another exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company), the information receiving unit 115 stores the overseas card affiliate store registration information. The information is provided to the document purchase company (or card company) side.

The information storage unit 120 may include the slip purchase agent information included in the overseas card affiliate store registration information received through the information receiving unit 115, the overseas card affiliate store information, the affiliated store business type information, and the ticket purchase company (or Card company) characterized in that the information is stored in a predetermined storage medium 130 by the cooperative process.

Here, the information on the purchase company (or card company) is the information on the purchase company (or card company) specified to purchase a document corresponding to the overseas card sales of the merchant on the purchase agent agency terms (or card company).

According to the method of the present invention, the slip purchase company (or card company) information is preferably made to include information for identifying at least one slip purchase company (or card company) with the slip purchase agency and overseas card slip purchase contract. .

The bansa side information processing unit 125 includes a predetermined communication means (for example, an information registration server) when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information. A dedicated communication network connecting the 100 and the bansa server 135) to request the bansa server 135 to provide predetermined bansa information corresponding to the overseas card affiliate registration information, and the bansa corresponding to the request. The provided information is received and provided to the information storage unit 120.

For example, a predetermined merchant registration information (for example, merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, affiliate store instead of the merchant number in the received overseas card merchant information) Location information, etc.), the bansa side information processing unit 125 provides the affiliated store information to the bansa server 135, and a predetermined affiliate store number corresponding to the affiliated store registration information from the bansa server 135. Receives and provides to the information storage unit 120.

The ticket purchase company (or card company) side information processing unit 125 includes a predetermined communication means (for example, information registration) when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company). A predetermined ticket purchase company corresponding to the overseas card affiliate store registration information to the ticket purchase company (or card company) server 140 through a server 100 and a dedicated communication network connecting the ticket purchase company (or card company) server 140. Card company) requests the provided information, receives predetermined (or card company) provided information corresponding to the request, and provides the received information to the information storage unit 120.

For example, the ticket purchase company (or card company) side information processing unit 125 provides the affiliated store type information to the ticket purchase company (or card company) server 140, from the ticket purchase company (or card company) server 140 from the merchant Receives the merchant fee information (for example, the fee rate information corresponding to the overseas card sales of the merchant) corresponding to the industry information is provided to the information storage unit 120.

According to the exemplary embodiment of the present invention, the information storage unit 120 processes the information stored in the storage medium 130 in association with the ticket purchase agency information, the foreign card merchant information, the merchant business information, the slip It is preferable to include purchase company (or card company) information, and / or merchant fee information.

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming the conclusion of the agency contract, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company), including the merchant's unique number assigned to the merchant, and the merchant registration information (for example, merchant name information, representative information, merchant number information, business registration number information, business status information, items according to the implementation method) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the slip purchase company (or card company) information includes information for identifying at least one slip purchase company (or card company) is signed with the purchase agent overseas card slip purchase contract.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

4 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to another embodiment of the present invention.

In more detail, Figure 4 is a client terminal 300 used by the merchant on the information registration system for registering the overseas card affiliate store shown in Figure 3 connected to the server provided in the ticket purchase agency through a predetermined network means to the overseas card The information registration process for storing the foreign card merchant registration information for the merchant registration in the storage medium 130, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present invention Various implementation methods for the information registration process for foreign card merchant registration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal 300 shown in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 100 provided in the ticket purchase agency shown in FIG. 3 is referred to as a “server” for convenience. .

Referring to FIG. 4, when the terminal shown in FIG. 3 accesses the server through a predetermined network means and requests registration of an overseas card affiliated store according to the present invention (400), the server correspondingly views the affiliated store. Generate (or extract) a predetermined information registration interface screen for registering as an overseas card affiliate store according to the invention (405), and output the generated (or extracted) information registration interface screen to the terminal through the network means. (410).

Thereafter, the terminal inputs (or selects) at least one overseas card affiliate store registration information through the information registration interface screen (415), and inputs the input (or selected) overseas card affiliate store registration information through the network means. Send to the server (420).

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the client terminal 300 includes that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency It is preferred to include a user interface for entering (or selecting) information (e.g., overseas card slip purchase agency terms and information confirming that the terms and conditions have been agreed).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agency contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the client terminal 300 includes the affiliate store number (eg, provided in the payment terminal 1000 provided in the affiliate store). And a user interface for inputting (or selecting) CAT_ID information and / or an affiliate store unique number assigned to the affiliated store by the bansa (or card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen output to the client terminal 300 includes at least one or more affiliate store registration information (eg, affiliate store mutual information, representative information, affiliate store). A user interface for inputting (or selecting) number information, business registration number information, business status information, item information, telephone number information, merchant location information, etc., in which case the server manages the merchant registration information. It is preferable to receive a predetermined affiliate store number corresponding to the blind spot registration information from 135.

In addition, the merchant business information included in the overseas card merchant registration information is made to include the representative industry information (eg, accommodation, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales; In this way, the merchant fee for the overseas card sales is differentially applied.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs the representative type information corresponding to the type of business / item included in the business registration certificate of the affiliated store ( Or a user interface).

Alternatively, in order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs (or selects) the type of business / item included in the business registration certificate of the affiliated store. Preferably, the user interface is included. In this case, the server reads the business status / item and checks representative business type information corresponding to the business status / item.

Thereafter, the server reads the received overseas card affiliate store registration information and checks whether information should be requested to the bansa server 135 to register the overseas card affiliate store according to the present invention (425).

According to the embodiment of the present invention, the overseas card affiliate store information included in the overseas card affiliate store registration information includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa (or Merchant registration information (e.g., merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, merchant location information instead of the merchant unique number assigned to the merchant) Etc.), it is preferable that the server requests the affiliate store number corresponding to the affiliated store registration information to the bansa server 135.

If the request to provide information to the bansa server 135 to register the overseas card affiliate store (430), the server provides information for registering the overseas card merchant to the bansa server 135 through a predetermined communication means Request (eg, provide merchant registration information included in the overseas card affiliate store registration information to the bansa server 135), and request information (for example, the bansa server 135) from the bansa server 135; A merchant number corresponding to the provided merchant registration information is received (435).

In addition, the server reads the received overseas card affiliate store registration information to determine whether to provide information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store according to the present invention (440).

According to the implementation method of the present invention, if the merchant fee information corresponding to the merchant business information included in the overseas card affiliate store registration information should be provided from the ticket purchase company (or card company), the server receives the merchant business information on the ticket purchase company (Or card company) It is preferable to request the merchant fee information corresponding to the merchant business information.

According to another exemplary embodiment of the present invention, if the merchant fee corresponding to the affiliated store type information may be checked by the server, the affiliated store fee information may be transmitted to the ticket purchase company (or card company) server 140 in the overseas card affiliated store registration process. The requesting process may be omitted, and the process of providing the affiliated store type information from the server to the slip purchase company (or card company) server 140 for setting up the affiliated store fee may be performed in a batch form later.

If the request to provide the information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store (445), the server through the predetermined communication means the ticket purchase company (or card company) server 140 Requesting the provision of information for registering an overseas card merchant (for example, providing the merchant business information included in the overseas card merchant registration information to the ticket purchaser (or card company) server 140) and the ticket purchaser (or Card company) receives the requested information from the server 140 (for example, merchant fee information corresponding to merchant business information provided to the ticket purchase company (or card company) server 140) (450).

Subsequently, the server is included in the overseas card affiliate store registration information received from the terminal, and / or the bansa server 135 and / or the ticket purchase company (or card company) server 140 based on the overseas card affiliate store registration information. ), The purchase agent information, the foreign card merchant information, merchant business information and the purchase company (or card company) information and / or merchant fee information provided from the link is stored in a predetermined storage medium 130 (455) .

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming the conclusion of the agency contract, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company), including the merchant's unique number assigned to the merchant, and the merchant registration information (for example, merchant name information, representative information, merchant number information, business registration number information, business status information, items according to the implementation method) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the slip purchase company (or card company) information includes information for identifying at least one slip purchase company (or card company) is signed with the purchase agent overseas card slip purchase contract.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

5 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

In more detail, Figure 5 shows that if a predetermined merchant fills out an overseas card merchant registration application form including the overseas card merchant registration information according to the present invention and submits it to bansa (for example, when bansa recruits overseas card merchants), the bansa Input the foreign card merchant registration information included in the overseas card affiliate store registration application from a predetermined manager terminal provided in the bansa server, and transmits the overseas card affiliate store registration information from the server in a predetermined storage medium ( 130 is a system configuration for storing in the art, and those skilled in the art to which the present invention pertains, various implementations of the information registration system configuration for overseas card merchant registration by referring to and / or modifying the figure 5 The method may be inferred, but the present invention encompasses all the inferred methods inferred from this figure 5 It shall not be limited to how the illustrated embodiment.

Hereinafter, the configuration corresponding to at least one or more means and / or functional configuration for storing the foreign card merchant registration information contained in the foreign card merchant registration application on the storage medium 130 on the information registration system shown in FIG. The element is referred to as "information registration server 100" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, an information registration system for registering an overseas card affiliate store according to the present invention includes at least one manager terminal connected to a predetermined network means, and an overseas card transmitted from the manager terminal. A storage medium 130 for storing affiliate store registration information, and an overseas card affiliate store registration information that is connected to the manager terminal through a predetermined network means and received through the network means and stored in the storage medium 130. Characterized in that it comprises an information registration server 100.

The manager terminal is connected to a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). And at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100, wherein the manager terminal includes at least one provided by the information registration server 100. A function configuration (eg, a browser program and a communication function) for outputting an information registration interface screen, for inputting and / or selecting at least one or more information through the information registration interface screen, and transmitting the information registration interface screen to the information registration server 100 is provided. It is preferable that it is done.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the manager terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus a detailed description thereof is omitted for convenience. .

According to an embodiment of the present invention, when the manager terminal is a wired terminal, the network means preferably comprises the TCP / IP based wired network.

The storage medium 130 provided on the information registration system according to the present invention is characterized in that for storing the overseas card affiliate store registration information transmitted from the administrator terminal, the overseas card affiliate store registration information is the merchant and overseas card payment Characterized in that the purchase agent for the purchase of the agent on behalf of the purchase, the foreign card merchant information, and the merchant industry information, characterized in that the storage medium 130 is provided in the purchase agency, and It is possible to be provided on the bansa, and / or provided on the network that is accessible from the purchase agent and bansa, and the present invention is not limited thereto.

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the overseas card merchant registration application in the overseas card slip purchase agent terms and conditions of the ticket buying agency, and the overseas card slip buying agency between the merchant and the ticket buying agency A contract is included, and the affiliated owner reads the foreign card slip purchase agency terms and conditions, and preferably includes a form for signing an overseas card slip purchase agency agreement between the merchant and the slip purchase agency.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the manager terminal inputs information including the fact that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency. It is preferred that a user interface is included (or selected).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agency contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa) (Or a card company) preferably includes a form for filling out the affiliate store's unique number assigned to the affiliate store.

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store registration information (eg, merchant name information, representative information, merchant number information, business registration number information, business status). Information, item information, telephone number information, merchant location information, etc.) preferably includes a form for filling in at least one information, in this case, the merchant number may be provided from the bansa managing the merchant registration information.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store; And / or a user interface for inputting (or selecting) an affiliated store's unique number assigned to the affiliated store by a bansa (or a card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes at least one or more affiliate store registration information (eg, affiliate store mutual information, representative information, affiliate store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) is included, in which case the information registration server 100 manages the merchant registration information It is preferable to receive a predetermined merchant number corresponding to the affiliated store registration information from the bansa server 135.

In addition, the merchant business information included in the overseas card merchant registration information is made to include the representative industry information (eg, accommodation, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales; In this way, the merchant fee for the overseas card sales is differentially applied.

In order to include the merchant business information in the overseas card merchant registration information, it is preferable that the overseas card merchant registration application form includes a form for entering the representative industry information corresponding to the type of business / item included in the business registration certificate of the merchant .

Alternatively, in order to include the merchant business information in the overseas card affiliate store registration information, the overseas card merchant registration application form preferably includes a form for entering the type of business / item included in the business registration certificate of the merchant, in this case The information registration server 100 preferably reads the business status / item and checks representative business type information corresponding to the business status / item.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the representative registration type information corresponding to the type of business / item included in the business registration certificate of the affiliated store is entered (or selected) on the information registration interface screen outputted to the manager terminal. Preferably, the user interface is included.

Alternatively, a user interface for inputting (or selecting) a business status / item included in a business registration certificate of the affiliated store on the information registration interface screen outputted to the manager terminal to include the affiliated store business type information in the overseas card affiliated store registration information. Preferably, in this case, the information registration server 100 reads the business status / item, it is preferable to check the representative industry information corresponding to the business status / item.

According to an embodiment of the present invention, the information registration server 100 connects and manages a predetermined communication channel with the manager terminal through the network means in order to provide a web interface corresponding to the manager terminal and the network means. It characterized in that it comprises an interface unit 105, whereby the information registration server 100 has a function of a web server to communicate with the manager terminal via a wired network and / or a wireless network.

According to an embodiment of the present invention, when the manager terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the interface unit 105 is connected to the manager terminal with a Hyper-Text Transfer Protocol (HTTP) protocol. A predetermined communication channel is connected to the controller, and the information registration interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the manager terminal through the communication channel and outputted. It is preferable to perform a function of receiving and processing predetermined overseas card affiliate store registration information input (or selected) through the information registration interface screen from the terminal.

Referring to FIG. 1, when the administrator terminal is connected to the information registration server 100 through the interface unit 105, the information registration server 100 works in conjunction with the interface unit 105. Generates (or extracts) a predetermined information registration interface screen for inputting (or selecting) the foreign card merchant registration information included in the overseas card merchant registration application submitted by the merchant registering as the overseas card affiliate Provided with the interface providing unit 110 and the interface unit 105, the information receiving unit 115 for receiving the registration information (overseas card affiliate store registration) transmitted from the administrator terminal via the information registration interface screen (10). And an information storage unit 120 for storing the received overseas card affiliate store registration information in the storage medium 130. Characterized in that eojineun.

In addition, when the information registration server 100 includes the information to be received from the bansa server 135 for managing the merchant registration information in the received overseas card affiliate store registration information, the overseas from the bansa server 135 It is preferable to further comprise a bansa side information processing unit 125 for requesting / receiving predetermined bansa provision information corresponding to the card merchant registration information.

In addition, the information registration server 100 from the ticket purchase company (or card company) server 140, when the received overseas card merchant registration information includes information that should be provided from a predetermined ticket purchase company (or card company) The ticket purchase company (or card company) side information processing unit 125 for requesting / receiving predetermined ticket purchase company (or card company) providing information corresponding to the overseas card affiliate store registration information is preferably provided.

The interface providing unit 110, when a predetermined manager terminal is connected to the information registration server 100 through the interface unit 105, the functional configuration provided in the manager terminal (for example, a browser program provided in the manager terminal) Generate (or select) predetermined overseas card affiliate registration information and transmit the predetermined foreign information registration interface screen to the information registration server 100 through the network means, and / or a predetermined database. The information registration interface screen extracted from (not shown) and linked with the interface unit 105 is provided to the manager terminal through the network means.

According to another exemplary embodiment of the present invention, when the application is provided to the information registration server 100 by inputting (or selecting) the overseas card affiliate store registration information to the manager terminal, the interface providing unit 110 is provided. The function of generating (or extracting) the information registration interface screen and providing it to the administrator terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the manager terminal inputs (or selects) predetermined overseas card affiliate store registration information based on the information registration interface screen, and registers the input (or selected) foreign card affiliate store registration information through the network means. Send to server 100.

The information receiving unit 115 inputs (or selects) predetermined overseas card affiliate store registration information through the information registration interface screen in the manager terminal and transmits the information through the network means, interworking with the interface unit 105. And receiving the overseas card affiliate store registration information, and the information receiving unit 115 provides the received overseas card affiliate store registration information to the information storage unit 120.

According to an exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information, the information receiving unit 115 stores the overseas card affiliate store. The registration information is provided to the bansa side information processing unit 125.

According to another exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company), the information receiving unit 115 stores the overseas card affiliate store registration information. The information is provided to the document purchase company (or card company) side.

The information storage unit 120 may include the slip purchase agent information included in the overseas card affiliate store registration information received through the information receiving unit 115, the overseas card affiliate store information, the affiliated store business type information, and the ticket purchase company (or Card company) characterized in that the information is stored in a predetermined storage medium 130 by the cooperative process.

Here, the information on the purchase company (or card company) is the information on the purchase company (or card company) specified to purchase a document corresponding to the overseas card sales of the merchant on the purchase agent agency terms (or card company).

According to the method of the present invention, the slip purchase company (or card company) information is preferably made to include information for identifying at least one slip purchase company (or card company) with the slip purchase agency and overseas card slip purchase contract. .

The bansa side information processing unit 125 includes a predetermined communication means (for example, an information registration server) when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information. A dedicated communication network connecting the 100 and the bansa server 135) to request the bansa server 135 to provide predetermined bansa information corresponding to the overseas card affiliate registration information, and the bansa corresponding to the request. The provided information is received and provided to the information storage unit 120.

For example, a predetermined merchant registration information (for example, merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, affiliate store instead of the merchant number in the received overseas card merchant information) Location information, etc.), the bansa side information processing unit 125 provides the affiliated store information to the bansa server 135, and a predetermined affiliate store number corresponding to the affiliated store registration information from the bansa server 135. Receives and provides to the information storage unit 120.

The ticket purchase company (or card company) side information processing unit 125 includes a predetermined communication means (for example, information registration) when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company). A predetermined ticket purchase company corresponding to the overseas card affiliate store registration information to the ticket purchase company (or card company) server 140 through a server 100 and a dedicated communication network connecting the ticket purchase company (or card company) server 140. Card company) requests the provided information, receives predetermined (or card company) provided information corresponding to the request, and provides the received information to the information storage unit 120.

For example, the ticket purchase company (or card company) side information processing unit 125 provides the affiliated store type information to the ticket purchase company (or card company) server 140, from the ticket purchase company (or card company) server 140 from the merchant Receives the merchant fee information (for example, the fee rate information corresponding to the overseas card sales of the merchant) corresponding to the industry information is provided to the information storage unit 120.

According to the exemplary embodiment of the present invention, the information storage unit 120 processes the information stored in the storage medium 130 in association with the ticket purchase agency information, the foreign card merchant information, the merchant business information, the slip It is preferable to include purchase company (or card company) information, and / or merchant fee information.

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming the conclusion of the agency contract, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company) and the merchant's unique number assigned to the merchant, etc.), according to the implementation method of the merchant registration information (for example, merchant information, representative information, merchant number information, business registration number information, business status information, items) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the slip purchase company (or card company) information includes information for identifying at least one slip purchase company (or card company) is signed with the purchase agent overseas card slip purchase contract.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

6 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 shows an affiliated store on an information registration system for registering an overseas card affiliated store shown in FIG. 5.

When an overseas card merchant registration application form including an overseas card merchant registration information according to the present invention is prepared and submitted to Bansa (for example, when Bansa recruits overseas card merchants), the overseas card is provided at a predetermined manager terminal provided at the bansa. Input the overseas card merchant registration information included in the merchant registration application to the server provided in the bansa, the server stores the foreign card merchant registration information in a predetermined storage medium 130

As an information registration process, a person having ordinary knowledge in the technical field to which the present invention belongs may infer various implementation methods for the information registration process for registering an overseas card affiliate by referring to and / or modifying the present invention. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 6, the information registration server 100 provided in the bansa shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 6, when a predetermined affiliate store prepares an overseas card affiliate registration application application including overseas card affiliate store registration information according to the present invention and submits it to bansa, the manager terminal provided at the bansa is provided through a predetermined network means. Upon requesting the registration of the overseas card affiliate according to the present invention by accessing the server (600), the server generates a predetermined information registration interface screen for registering the affiliated card with the overseas card affiliate according to the present invention (or Extraction) (605) and provide the generated (or extracted) information registration interface screen to the manager terminal through the network means and output (610).

Thereafter, the manager terminal inputs (or selects) at least one overseas card affiliate store registration information written in the overseas card affiliate store registration application submitted from the affiliate store through the information registration interface screen (615), and the input (or The selected foreign card merchant registration information is transmitted to the server through the network means (620).

According to the implementation method of the present invention, the overseas card affiliate store registration information includes a ticket purchase agency information for the purchase of the agent according to the merchant and the overseas card payment approval, the overseas card affiliate store information, and the merchant business type information It is preferable.

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the overseas card merchant registration application in the overseas card slip purchase agent terms and conditions of the ticket buying agency, and the overseas card slip buying agency between the merchant and the ticket buying agency A contract is included, and the affiliated owner reads the foreign card slip purchase agency terms and conditions, and preferably includes a form for signing an overseas card slip purchase agency agreement between the merchant and the slip purchase agency.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the manager terminal inputs information including the fact that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency. It is preferred that a user interface is included (or selected).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agent contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa) (Or a card company) preferably includes a form for filling out the affiliate store's unique number assigned to the affiliate store.

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the overseas card affiliate store registration application includes the affiliate store registration information (eg, merchant name information, representative information, merchant number information, business registration number information, business status). Information, item information, telephone number information, merchant location information, etc.) preferably includes a form for filling in at least one information, in this case, the merchant number may be provided from the bansa managing the merchant registration information.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store; And / or a user interface for inputting (or selecting) an affiliated store's unique number assigned to the affiliated store by a bansa (or a card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the manager terminal includes at least one or more affiliate store registration information (for example, affiliate store mutual information, representative information, affiliate store number information, A user interface for inputting (or selecting) business registration number information, business status information, item information, telephone number information, merchant location information, etc.), in which case the server manages the merchant registration information. It is preferable to receive a predetermined merchant number corresponding to the affiliated store registration information from the.

In addition, the merchant business information included in the overseas card merchant registration information is made to include the representative industry information (eg, accommodation, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales; In this way, the merchant fee for the overseas card sales is differentially applied.

In order to include the merchant business information in the overseas card merchant registration information, it is preferable that the overseas card merchant registration application form includes a form for entering the representative industry information corresponding to the type of business / item included in the business registration certificate of the merchant .

Alternatively, in order to include the merchant business information in the overseas card affiliate store registration information, the overseas card merchant registration application form preferably includes a form for entering the type of business / item included in the business registration certificate of the merchant, in this case The server preferably reads the business status / items and checks representative business information corresponding to the business status / items.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the representative registration type information corresponding to the type of business / item included in the business registration certificate of the affiliated store is entered (or selected) on the information registration interface screen outputted to the manager terminal. Preferably, the user interface is included.

Alternatively, a user interface for inputting (or selecting) a business status / item included in a business registration certificate of the affiliated store on the information registration interface screen outputted to the manager terminal to include the affiliated store business type information in the overseas card affiliated store registration information. Preferably, in this case, the server reads the business status / item, it is preferable to check the representative business information corresponding to the business status / item.

Thereafter, the server reads the received overseas card affiliate store registration information and checks whether information should be requested to the bansa server 135 to register the overseas card affiliate store according to the present invention (625).

According to the embodiment of the present invention, the overseas card affiliate store information included in the overseas card affiliate store registration information includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa (or Merchant registration information (e.g., merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, merchant location information instead of the merchant unique number assigned to the merchant) Etc.), it is preferable that the server requests the affiliate store number corresponding to the affiliated store registration information to the bansa server 135.

If the request to provide information to the bansa server 135 to register the overseas card affiliate store (630), the server provides information for registering the overseas card affiliate to the bansa server 135 through a predetermined communication means Request (eg, provide merchant registration information included in the overseas card affiliate store registration information to the bansa server 135), and request information (for example, the bansa server 135) from the bansa server 135; A merchant number corresponding to the provided merchant registration information is received (635).

When the server and the bansa server 135 are provided in one server according to an embodiment of the present invention, the server may extract an affiliate store number corresponding to the affiliated store registration information, thereby limiting the present invention. Not.

In addition, the server reads the received overseas card affiliate store registration information and checks whether to provide information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store according to the present invention (640).

According to the implementation method of the present invention, if the merchant fee information corresponding to the merchant business information included in the overseas card affiliate store registration information should be provided from the ticket purchase company (or card company), the server receives the merchant business information on the ticket purchase company (Or card company) It is preferable to request the merchant fee information corresponding to the merchant business information.

According to another exemplary embodiment of the present invention, if the merchant fee corresponding to the affiliated store type information may be checked by the server, the affiliated store fee information may be transmitted to the ticket purchase company (or card company) server 140 in the overseas card affiliated store registration process. The requesting process may be omitted, and the process of providing the affiliated store type information from the server to the slip purchase company (or card company) server 140 for setting up the affiliated store fee may be performed in a batch form later.

If the request to provide the information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store (645), the server through the predetermined communication means the ticket purchase company (or card company) server 140 Requesting the provision of information for overseas card merchant registration (for example, providing the merchant business type information included in the overseas card merchant registration information to the ticket purchaser (or card company) server 140) and the ticket purchaser (or card company) The server 140 receives the requested information (eg, merchant fee information corresponding to merchant business information provided to the ticket purchase company (or card company) server 140) (650).

Subsequently, the server is included in the overseas card affiliate store registration information received from the manager terminal, and / or the bansa server 135 and / or the ticket purchase company (or card company) server based on the overseas card affiliate store registration information ( 140, the purchase agent information, the foreign card merchant information, merchant business information and merchant information (or card company) information and / or merchant fee information provided from the association is stored in a predetermined storage medium 130 (655) ).

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming that the agency agreement has been concluded, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company) and the merchant's unique number assigned to the merchant, etc.), according to the implementation method of the merchant registration information (for example, merchant information, representative information, merchant number information, business registration number information, business status information, items) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the slip purchase company (or card company) information includes information for identifying at least one slip purchase company (or card company) is signed with the purchase agent overseas card slip purchase contract.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

Thereafter, the server provides the ticket purchasing agency information, the foreign card merchant information, the merchant business information and the ticket purchase company (or card company) information and / or merchant fee information stored in the storage medium 130 to the ticket purchase agency server. .

7 is a diagram illustrating an information registration system for registering an overseas card affiliated store according to another exemplary embodiment of the present invention.

In more detail, in FIG. 7, a client terminal 300 used by a predetermined merchant owner accesses a server provided in a bansa through a predetermined network means to store overseas card affiliate store registration information for registering an overseas card affiliate store in a storage medium 130. As a system configuration for storing, those of ordinary skill in the art to which the present invention pertains, various embodiments of the information registration system for the registration of overseas card merchants by inferring and / or modifying this figure 7 infers As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, a configuration corresponding to at least one or more means and / or functional configuration for storing the foreign card merchant registration information provided from the client terminal 300 on the storage medium 130 on the information registration system shown in FIG. The server provided with the bansa, including the element, is referred to as " information registration server 100 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, an information registration system for registering an overseas card affiliate store according to the present invention includes at least one client terminal 300 connected to a predetermined network means, and the client terminal 300. Storage medium 130 for storing the foreign card merchant registration information transmitted from the; and the client terminal 300 is connected through a predetermined network means, and receives the overseas card merchant registration information transmitted through the network means Characterized in that it comprises an information registration server 100 to be stored in the storage medium 130.

The client terminal 300 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a communication system, and / or connected to a code division multiple access (CDMA) based mobile communication network. A wireless terminal including at least one mobile communication terminal and / or a portable internet terminal connected to an IEEE 802.16x based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network. Characterized in that it comprises one or more, wherein the client terminal 300 is made from the information registration server 100 Outputting at least one information registration interface screen, and inputting and / or selecting at least one information via the information registration interface screen to transmit the information to the information registration server 100 (eg, communicating with a browser program) Function) is preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 300 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 300 is a wired terminal, the network means includes the TCP / IP based wired network, and when the client terminal 300 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or the IEEE 802.16x based high speed wireless Internet, and / or the DataTAC / Mobitex based wireless data communication network.

The storage medium 130 provided on the information registration system according to the present invention is characterized in that for storing the overseas card affiliate store registration information transmitted from the client terminal 300, the overseas card affiliate store registration information and the affiliated store; Slip purchase agency information for the purchase of the slip according to the overseas card payment approval, characterized in that it comprises the overseas card merchant information, and the merchant business type information and the storage medium 130 is provided in the ticket purchase agency or And / or may be provided on the bansa, and / or provided on the network that is accessible from the purchase agent and bansa, whereby the present invention is not limited.

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the client terminal 300 includes that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency It is preferred to include a user interface for entering (or selecting) information (e.g., foreign card slip purchase agency terms and information confirming that the terms and conditions have been agreed).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agency contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the client terminal 300 includes the affiliate store number (eg, provided in the payment terminal 1000 provided in the affiliate store). And a user interface for inputting (or selecting) CAT_ID information and / or an affiliate store unique number assigned to the affiliated store by the bansa (or card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen output to the client terminal 300 includes at least one or more affiliate store registration information (eg, affiliate store mutual information, representative information, affiliate store). Number information, business registration number information, business status information, item information, telephone number information, merchant location information, etc.) is included, and in this case, the information registration server 100 includes the merchant registration information. It is preferable to receive a predetermined merchant number corresponding to the affiliated store registration information from the bansa server 135 managing the.

In addition, the merchant business information included in the overseas card merchant registration information is made to include the representative industry information (eg, accommodation, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales; In this way, the merchant fee for the overseas card sales is differentially applied.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs the representative type information corresponding to the type of business / item included in the business registration certificate of the affiliated store ( Or a user interface).

Alternatively, in order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs (or selects) the type of business / item included in the business registration certificate of the affiliated store. It is preferable that a user interface is included. In this case, the information registration server 100 reads the business status / item, and confirms representative business type information corresponding to the business status / item.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 300 through the network means in order to provide a web interface corresponding to the client terminal 300 and the network means. And an interface unit 105 for connecting and managing channels, whereby the information registration server 100 is connected to the client terminal 300 via a wired network and / or a wireless network. It has the function of a server.

According to an exemplary embodiment of the present invention, when the client terminal 300 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 105 connects to the client terminal 300 and HTTP ( Connects a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and the information registration interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 300 through the communication channel. It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined overseas card affiliate store registration information input (or selected) through the information registration interface screen from the client terminal 300.

According to another exemplary embodiment of the present invention, when the client terminal 300 is a wireless terminal to which a communication channel is connected through a CDMA based wireless network, the interface unit 105 is connected to the client terminal 300 and a WAP (Wireless). Connect a predetermined communication channel based on an Application Protocol (MO) and / or Mobile Explorer (ME) protocol, and the information in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal 300 through the communication channel. It is preferable to perform a function of transmitting and outputting a registration interface screen and / or an information providing screen and receiving and processing predetermined overseas card affiliate store registration information corresponding to the information registration interface screen from the client terminal 300.

According to another exemplary embodiment of the present invention, when the client terminal 300 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 105 is connected to the client terminal 300. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined information registration interface screen and / or an information providing screen to the client terminal 300 through the communication channel; And receiving and processing a predetermined overseas card affiliate store registration information corresponding to the information registration interface screen from the client terminal 300, and / or the client terminal 300 based on DataTAC / Mobitex. When the communication channel is connected through a wireless network, the interface unit 105 is the client Connect a horse 300 with a predetermined communication channel based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and provide a predetermined information registration interface screen and / or information to the client terminal 300 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and receiving and processing predetermined overseas card affiliate store registration information corresponding to the information registration interface screen from the client terminal 300.

Referring to FIG. 7, when the predetermined client terminal 300 accesses the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined information registration interface screen for allowing the client terminal 300 to input (or select) and transmit predetermined overseas card affiliate store registration information, and the interface unit. An information receiving unit 115 for receiving the overseas card affiliate store registration information that is input (or selected) and transmitted from the client terminal 300 through the information registration interface screen in association with the 105; and the received overseas card affiliate store registration And an information storage unit 120 for storing information in the storage medium 130.

In addition, when the information registration server 100 includes the information to be received from the bansa server 135 for managing the merchant registration information in the received overseas card affiliate store registration information, the overseas from the bansa server 135 It is preferable to further comprise a bansa side information processing unit 125 for requesting / receiving predetermined bansa provision information corresponding to the card merchant registration information.

In addition, the information registration server 100 from the ticket purchase company (or card company) server 140, when the received overseas card merchant registration information includes information that should be provided from a predetermined ticket purchase company (or card company) The ticket purchase company (or card company) side information processing unit 125 for requesting / receiving predetermined ticket purchase company (or card company) providing information corresponding to the overseas card affiliate store registration information is preferably provided.

The interface providing unit 110 has a functional configuration (for example, a client) provided in the client terminal 300 when a predetermined client terminal 300 is connected to the information registration server 100 through the interface unit 105. A predetermined information registration interface screen for inputting (or selecting) predetermined overseas card affiliate store registration information corresponding to the browser program provided in the terminal 300 and transmitting the predetermined overseas registration card to the information registration server 100 through the network means. Create and / or extract from a predetermined database (not shown), and link the generated (or extracted) information registration interface screen with the interface unit 105 to the client terminal 300 via the network means. It is characterized by providing.

According to another exemplary embodiment of the present invention, when the application for providing (or selecting) the overseas card affiliate registration information to the client terminal 300 and providing the information registration server 100 is provided, the interface providing unit ( The function of generating (or extracting) the information registration interface screen to the client terminal 300 may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal 300 inputs (or selects) predetermined overseas card affiliate store registration information based on the information registration interface screen, and inputs the input (or selected) overseas card affiliate store registration information through the network means. It transmits to the information registration server 100.

The information receiving unit 115 inputs (or selects) predetermined overseas card affiliate store registration information from the client terminal 300 through the information registration interface screen and transmits the same through the network means. And receiving the overseas card affiliated store registration information by interlocking. The information receiving unit 115 provides the received overseas card affiliated store registration information to the information storage unit 120.

According to an exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information, the information receiving unit 115 stores the overseas card affiliate store. The registration information is provided to the bansa side information processing unit 125.

According to another exemplary embodiment of the present invention, when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company), the information receiving unit 115 stores the overseas card affiliate store registration information. The information is provided to the document purchase company (or card company) side.

The information storage unit 120 may include the slip purchase agent information included in the overseas card affiliate store registration information received through the information receiving unit 115, the overseas card affiliate store information, the affiliated store business type information, and the ticket purchase company (or Card company) characterized in that the information is stored in a predetermined storage medium 130 by the cooperative process.

Here, the information on the purchase company (or card company) is the information on the purchase company (or card company) specified to purchase a document corresponding to the overseas card sales of the merchant on the purchase agent agency terms (or card company).

According to the method of the present invention, the slip purchase company (or card company) information is preferably made to include information for identifying at least one slip purchase company (or card company) with the slip purchase agency and overseas card slip purchase contract. .

The bansa side information processing unit 125 includes a predetermined communication means (for example, an information registration server) when the received overseas card affiliate store registration information includes information to be provided from the bansa server 135 managing the affiliate store registration information. A dedicated communication network connecting the 100 and the bansa server 135) to request the bansa server 135 to provide predetermined bansa provision information corresponding to the overseas card affiliate store registration information, and to respond to the request. Receive the bansa provided information is provided to the information storage unit 120.

For example, a predetermined merchant registration information (for example, merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, affiliate store instead of the merchant number in the received overseas card merchant information) Location information, etc.), the bansa side information processing unit 125 provides the affiliated store information to the bansa server 135, and a predetermined affiliate store number corresponding to the affiliated store registration information from the bansa server 135. Receives and provides to the information storage unit 120.

The ticket purchase company (or card company) side information processing unit 125 includes a predetermined communication means (for example, information registration) when the received overseas card affiliate store registration information includes information to be provided from a predetermined ticket purchase company (or card company). A predetermined ticket purchase company corresponding to the overseas card affiliate store registration information to the ticket purchase company (or card company) server 140 through a server 100 and a dedicated communication network connecting the ticket purchase company (or card company) server 140. Card company) requests the provided information, receives predetermined (or card company) provided information corresponding to the request, and provides the received information to the information storage unit 120.

For example, the ticket purchase company (or card company) side information processing unit 125 provides the merchant business type information to the ticket purchase company (or card company) server 140, and from the ticket purchase company (or card company) server 140 Receives the merchant fee information (for example, the fee rate information corresponding to the overseas card sales of the merchant) corresponding to the merchant business information is provided to the information storage unit 120.

According to the exemplary embodiment of the present invention, the information storage unit 120 processes the information stored in the storage medium 130 in association with the ticket purchase agency information, the foreign card merchant information, the merchant business information, the slip It is preferable to include purchase company (or card company) information, and / or merchant fee information.

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming the conclusion of the agency contract, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company) and the merchant's unique number assigned to the merchant, etc.), according to the implementation method of the merchant registration information (for example, merchant information, representative information, merchant number information, business registration number information, business status information, items) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the slip purchase company (or card company) information includes information for identifying at least one slip purchase company (or card company) is signed with the purchase agent overseas card slip purchase contract.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

8 is a diagram illustrating an information registration process for registering an overseas card affiliated store according to another embodiment of the present invention.

In more detail, FIG. 8 shows a client terminal 300 using a merchant on an information registration system for registering an overseas card affiliate store shown in FIG. The information registration process for storing the foreign card merchant registration information for registration in the storage medium 130, if one of ordinary skill in the art to which the present invention belongs, reference to and / or modified this figure 8 overseas Various implementation methods for the information registration process for card merchant registration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the client terminal 300 illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the information registration server 100 provided in the bansa illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 8, when the terminal shown in FIG. 7 accesses the server through a predetermined network means and requests registration of an overseas card affiliated store according to the present invention (800), the server correspondingly views the affiliated store. Generate (or extract) a predetermined information registration interface screen for registering as an overseas card affiliate store according to the present invention (805), and output the generated (or extracted) information registration interface screen to the terminal through the network means. (810)

Thereafter, the terminal inputs (or selects) at least one overseas card affiliate store registration information through the information registration interface screen (815), and inputs the input (or selected) overseas card affiliate store registration information through the network means. The server transmits the data to the server (820).

According to the implementation method of the present invention, the overseas card affiliate store registration information includes a ticket purchase agency information for the purchase of the agent according to the merchant and the overseas card payment approval, the overseas card affiliate store information, and the merchant business type information It is preferable.

Here, when the payment approval request using at least one overseas card is generated at the affiliate store, the slip purchase agent information included in the overseas card affiliate store registration information purchases a slip on behalf of the overseas card slip purchase according to the payment approval request. Information for confirming that the agency and the affiliate have signed an overseas card slip purchase agency agreement, and / or information for confirming the slip purchase agency for the overseas card slip purchase.

In order to include the ticket purchase agency information in the overseas card merchant registration information, the information registration interface screen output to the client terminal 300 includes that the merchant owner has signed an overseas card slip purchase agency agreement with the ticket purchase agency It is preferable to include a user interface for inputting (or selecting) information (e.g., foreign card slip purchasing agent terms and information confirming that the terms and conditions have been agreed).

In addition, the overseas card affiliate store information included in the overseas card affiliate store registration information is provided in the merchant number (for example, the payment terminal 1000 provided in the affiliate store) to enter into the overseas card slip purchase agency contract with the slip purchase agency CAT_ID information, and / or an affiliated store's unique number assigned to the affiliated store by a bansa (or card company), and the affiliated store registration information (for example, affiliated store information, representative information, affiliated store number information, Business registration number information, business status information, item information, telephone number information, merchant location information, etc.) may be further included.

In order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the client terminal 300 includes the affiliate store number (eg, provided in the payment terminal 1000 provided in the affiliate store). And a user interface for inputting (or selecting) CAT_ID information and / or an affiliate store unique number assigned to the affiliated store by the bansa (or card company).

Alternatively, in order to include the overseas card affiliate store information in the overseas card affiliate store registration information, the information registration interface screen outputted to the client terminal 300 includes at least one or more affiliate store registration information (eg, affiliate store mutual information, representative information, and the like). Blind spot number information, business registration number information, business status information, item information, telephone number information, merchant location information, etc.) is included in the user interface, in which case the information registration server 100 is registered with the merchant It is preferable to receive a predetermined merchant number corresponding to the affiliated store registration information from the bansa server 135 that manages the information.

In addition, the merchant business information included in the overseas card merchant registration information is made to include the representative industry information (eg, accommodation, restaurants, services, etc.) of the merchant to determine the merchant fee for the overseas card sales; In this way, the merchant fee for the overseas card sales is differentially applied.

In order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs the representative type information corresponding to the type of business / item included in the business registration certificate of the affiliated store ( Or a user interface).

Alternatively, in order to include the affiliated store type information in the overseas card affiliated store registration information, the information registration interface screen outputted to the client terminal 300 inputs (or selects) the type of business / item included in the business registration certificate of the affiliated store. Preferably, the user interface is included. In this case, the information registration server 100 may read the business status / items and check representative business information corresponding to the business status / items.

Thereafter, the server reads the received overseas card affiliate store registration information and checks whether information should be requested to the bansa server 135 to register the overseas card affiliate store according to the present invention (825).

According to the embodiment of the present invention, the overseas card affiliate store information included in the overseas card affiliate store registration information includes the affiliate store number (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa (or Merchant registration information (e.g., merchant name information, representative information, merchant number information, business registration number information, business status information, item information, telephone number information, merchant location information instead of the merchant unique number assigned to the merchant) Etc.), it is preferable that the server requests the affiliate store number corresponding to the affiliated store registration information to the bansa server 135.

If the request to provide information to the bansa server 135 to register the overseas card affiliate store (830), the server provides information for registering the overseas card affiliate store to the bansa server 135 through a predetermined communication means Request (eg, provide merchant registration information included in the overseas card affiliate store registration information to the bansa server 135), and request information (for example, the bansa server 135) from the bansa server 135; A merchant number corresponding to the provided merchant registration information is received (835).

When the server and the bansa server 135 are provided in one server according to an embodiment of the present invention, the server may extract an affiliate store number corresponding to the affiliated store registration information, thereby limiting the present invention. Not.

In addition, the server reads the received overseas card affiliate store registration information and checks whether to provide information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store according to the present invention (840).

According to the implementation method of the present invention, if the merchant fee information corresponding to the merchant business information included in the overseas card affiliate store registration information should be provided from the ticket purchase company (or card company), the server receives the merchant business information on the ticket purchase company (Or card company) It is preferable to request the merchant fee information corresponding to the merchant business information.

According to another exemplary embodiment of the present invention, if the merchant fee corresponding to the affiliated store type information may be checked by the server, the affiliated store fee information may be transmitted to the ticket purchase company (or card company) server 140 in the overseas card affiliated store registration process. The requesting process may be omitted, and the process of providing the affiliated store type information from the server to the slip purchase company (or card company) server 140 for setting up the affiliated store fee may be performed in a batch form later.

If the request to provide information to the ticket purchase company (or card company) server 140 to register the overseas card affiliate store (845), the server through the predetermined communication means the ticket purchase company (or card company) server 140 Requesting the provision of information for overseas card merchant registration (for example, providing the merchant business type information included in the overseas card merchant registration information to the ticket purchaser (or card company) server 140) and the ticket purchaser (or card company) In step 850, the server 140 receives the requested information (eg, merchant fee information corresponding to merchant business information provided to the ticket purchaser (or card company) server 140).

Subsequently, the server is included in the overseas card affiliate store registration information received from the manager terminal, and / or the bansa server 135 and / or the ticket purchase company (or card company) server based on the overseas card affiliate store registration information ( 140, the purchase agent information, foreign card merchant information, merchant business information and merchant information (or card company) information and / or merchant fee information provided from the association is stored in a predetermined storage medium 130 (855) ).

Here, the slip purchase agency information is a purchase agent for the purchase of the overseas card slip according to the payment approval request and the merchant when the payment approval request using at least one overseas card in the affiliated store purchases an overseas card slip Information confirming the conclusion of the agency contract, and / or information confirming the purchase agent for the foreign card slip.

In addition, the foreign card affiliate store information is a merchant number (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or the contract to enter into the overseas card slip purchase agency contract with the slip agent) Card company) and the merchant's unique number assigned to the merchant, etc.), according to the implementation method of the merchant registration information (for example, merchant information, representative information, merchant number information, business registration number information, business status information, items) Information, telephone number information, merchant location information, etc.) may be further included.

In addition, the affiliated store type information includes the representative type information of the affiliated store (e.g., lodging, restaurants, services, etc.) for setting an affiliate store fee for the overseas card sales. Merchant fees will be differentially applied.

In addition, the document purchase company (or card company) information includes information for identifying at least one or more document purchase company (or card company) is signed with the purchase agent overseas card purchase agreement.

In addition, the merchant fee information corresponds to information for the ticket purchase agency to check and / or calculate the merchant fee to be applied to the settlement amount during the purchase and settlement of the overseas card sales generated in the merchant.

Thereafter, the server provides the ticket purchasing agency information, the foreign card merchant information, the merchant business information and the ticket purchase company (or card company) information and / or merchant fee information stored in the storage medium 130 to the ticket purchase agency server. .

9 is a diagram showing the configuration of an overseas card payment processing system according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates the purchase of slips stored in a predetermined storage medium 130 through an information registration system for registering an overseas card merchant shown in FIGS. 1 and / or 3 and / or 5 and / or 7. For setting up a payment processing system for performing a payment approval procedure corresponding to the overseas card when the overseas card payment is performed at least one or more merchants using agency information, overseas card merchant information, merchant business information, and a ticket purchaser (or card company) information. As one of ordinary skill in the art to which the present invention pertains refers to the purchase agent information stored in the storage medium 130 and / or modifications of the present invention, the foreign card merchant information, the merchant business information, and the slip of the present invention. It is possible to infer various payment processing system configurations that perform overseas card payment approval process using purchase company (or card company) information. It would, in the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 9.

Referring to FIG. 9, the overseas card settlement processing system may be connected to the ticket purchase agency through an information registration system for registering an overseas card affiliate store shown in FIGS. 1 and / or 3 and / or 5 and / or 7. A payment terminal 1000 provided in at least one affiliated store that has signed a purchase agent for the purchase of a credit card according to an overseas card settlement approval, and a predetermined payment network (eg, a value added network (VAN)) with the payment terminal 1000. The Bansa server 135 is connected to the bansa server and receives a predetermined payment approval request message transmitted from the payment terminal 1000, and the bansa server 135 and a predetermined communication means (for example, the bansa server 135) It is characterized in that it comprises a payment server 930 and a ticket purchasing agency server 925 connected through a dedicated dedicated communication network, wherein the payment server 930 is the ticket purchase company (or card company). A) a server for processing the overseas card payment approval request.

The payment terminal 1000 according to the purchase agent and the overseas card payment approval through the information registration system for registering the overseas card merchant shown in Figures 1 and / or 3 and / or 5 and / or 7 It includes at least one Credit Authorization Terminal (CAT) and / or Point Of Sales (POS) terminal with a payment function, which is provided in at least one merchant that has signed a purchase contract. Preferred embodiments are described in detail with reference to FIG.

Referring to FIG. 9, the bansa server 135 may include a specialized receiving unit 900 for receiving a predetermined payment approval request message transmitted from the payment terminal 1000 provided in at least one affiliate store, and the received payment approval. A professional confirmation unit 905 which reads the request text and confirms whether the payment approval request text is an overseas card payment approval request text or a domestic card payment approval request text, and the result of the confirmation indicates that the payment approval request text is an overseas card payment approval. If the request is a full text message, the information extraction unit 910 for extracting predetermined merchant information from the foreign card payment approval request message and the storage card 130 through the extracted merchant information to query the foreign card payment approval request message The billing agency is transmitted from the payment terminal (1000) provided in the affiliated stores that have entered into a contract purchase agency contract with the overseas card payment approval If the information confirmation unit to confirm whether the confirmation and the full text of the overseas card payment approval request received from the payment terminal (1000) provided in the franchise that has signed a purchase agent agency contract according to the purchase agent overseas card payment, A professional processing unit 920 for performing a payment approval process in connection with the payment server 930 corresponding to the slip purchase company (or card company) by replacing the merchant information included in the payment approval request text with the slip purchase agent affiliate information. It is characterized by consisting of.

The specialized receiver 900 is connected to a payment terminal 1000 provided in at least one or more affiliated stores through a predetermined payment network (VAN), and receives a predetermined payment approval request message transmitted from the payment terminal 1000. It characterized in that, and provides the received payment approval request full text to the professional confirmation unit 905.

The full text verification unit 905 reads the card number included in the full text of the payment approval request received through the full text receiving unit 900 to determine whether the full text of the payment approval request is an overseas card payment approval request or a domestic card payment approval request. It is characterized by checking whether it is a full text.

According to an exemplary embodiment of the present invention, the full text verification unit 905 reads the first digit of the card number included in the full text of the payment approval request, and whether the full text of the payment approval request is an overseas card payment approval request or a domestic card. It is a good idea to make sure that the payment is approved.

For example, foreign cards that can be used in Korea are Visa card and Master card. In case of Visa card, the first digit of the card number starts with '4', and the first digit of the card number starts with '5'. The verification unit 905 may check whether the payment approval request is an overseas card payment approval request or a domestic card payment approval request by checking the first digit of the card number included in the payment approval request. That is, if the first digit of the card number starts with '9', the full payment approval request is a domestic card payment approval request.

According to an exemplary embodiment of the present invention, the full text verification unit 905 reads the front four digits (or six digits) of the card number included in the full text of the payment approval request, and the full text of the payment approval request is the overseas card payment approval request. It is desirable to check whether the full text or the domestic card payment approval request.

For example, a domestic card also issues a visa card and a master card. By reading the first digit of the card number, it is possible to accurately check whether the payment approval request is a foreign card payment approval request or a domestic card payment approval request. Can't.

Accordingly, the full-text confirmation unit 905 reads the first four digits (or six digits) of the card number including the card company identification number and the card identification number on the card number, thereby providing the first four digits (or six digits) of the card number. If the card company identification number included in the) corresponds to a domestic card company, and the card identification number is a number assigned to a card issued by a domestic card company, the full-text verification unit 905 transfers the full payment approval request to the domestic card payment approval request. Check professionally.

On the other hand, if the card company identification number included in the first four digits (or six digits) of the card number does not correspond to a domestic card company, and / or the card company identification number cannot be confirmed, the professional confirmation unit 905 approves the payment. Confirm the entire request as a full foreign card payment approval request.

In addition, if the card identification number included in the first four digits (or six digits) of the card number is not a number assigned to a card issued by a domestic card company, and / or the card identification number cannot be confirmed, the full-text confirmation The unit 905 confirms the full payment approval request as a foreign card payment approval request.

If the full payment approval request is a domestic card payment approval request, the bansa server 135 performs a conventional payment approval procedure based on the full domestic card payment approval request.

On the other hand, if the payment approval request is a full overseas card payment approval request, the information extraction unit 910 is provided in the merchant information (eg, payment terminal 1000 provided in the merchant) included in the foreign card payment approval request. The extracted CAT_ID information and / or bansa (or card company) extracts at least one affiliate store number including at least one affiliate store unique number assigned to the affiliate store, and provides the extracted affiliate store information to the information verification unit.

The information confirming unit is configured to register the information registration system for registering the overseas card affiliate store shown in FIG. 1 and / or FIG. 3 and / or FIG. 5 and / or FIG. By querying the storage medium 130 that stores at least one or more information on the purchase agent information, overseas card merchant information, merchant business information, a document purchase company (or card company information) (for example, the payment from the storage medium 130) By searching for overseas card merchant information matching the merchant information extracted from the full text of the request for approval), and the merchant equipped with the payment terminal 1000 for transmitting the full overseas card payment approval request message is authorized to purchase the slip and the overseas card payment agency Check if the merchant has entered into a contract for the purchase of documents according to the agreement.

As a result of the checking, if the affiliate store has signed a purchase agent contract with the slip purchase agency according to the overseas card settlement approval, the specialized processor 920 purchases the slip information included in the full text of the overseas card settlement approval request. Characterized by replacing the agency merchant information.

According to an embodiment of the present invention, the slip purchase agent affiliated store information is the payment server 930 (eg, the purchase agent stored in the storage medium 130) to perform a payment approval procedure corresponding to the full payment card approval authorization request (Or card company) the payment server (930) provided in the purchase company (or card company) corresponding to the information after performing the payment approval procedure corresponding to the full payment approval request for the overseas card, the document corresponding to the payment approval result The purchase is to be processed through the purchase agent.

That is, by replacing the merchant information included in the full overseas card payment approval request message with the slip purchase agent affiliate information in the slip processing unit, the slip purchase company (or card company) that has performed the payment approval procedure corresponds to the payment approval result. The purchase of the slip is processed through the slip buying agency rather than the affiliate store.

In the slip processing unit to replace the merchant information included in the full foreign card payment approval request message with the ticket purchase agency affiliate store information, the slip processing unit is a slip corresponding to the merchant industry through the merchant business type information corresponding to the merchant Characterized by replacing the merchant information contained in the full foreign card payment approval request through the purchase agency member information, whereby the merchant fee according to the overseas card payment approval request is processed corresponding to the industry.

For example, if a merchant that enters into a contract to purchase a slip based on an overseas card payment approval with the slip purchase agency corresponds to an industry, the voucher processing unit corresponds to the lodging industry using the merchant information included in the full foreign card payment approval request. Replace with the information of the agency that purchases the slip.

In addition, if the franchise that signed a purchase agent agency agreement with the purchase agent according to the overseas card payment approval business sector corresponding to the food industry, the ticket processing unit corresponding to the food industry to the merchant information contained in the full foreign card payment approval request Replace with the information of the agency that purchases the slip.

In addition, if the merchant that signed a purchase agent agency contract with the purchase agent according to the overseas purchase card, the business sector corresponding to the service industry, the ticket processing unit corresponding to the service industry for the merchant information included in the full foreign card payment approval request Replace with the information of the agency that purchases the slip.

In addition, if the merchant that entered into the purchase agent contract with the purchase agent pursuant to the overseas card payment approval business that corresponds to other industries, the ticket processing unit corresponding to the other industries by the merchant processing information included in the full foreign card payment approval request Replace with the information of the agency that purchases the slip.

Subsequently, the voucher processing unit replaces the document purchase agency (or card company) information stored in the storage medium 130 through a predetermined communication means with the foreign card payment approval request message (or payment approval request information) replaced with the slip purchase agent affiliate store information. By transmitting to the payment server 930 corresponding to the, to perform the overseas card payment approval procedure.

Subsequently, when the payment processing history corresponding to the foreign card payment approval request message (or payment approval request information) is received from the payment server 930 to the bansa server 135, the professional processing unit 920 processes the payment. The details are read to confirm whether payment processing corresponding to the full foreign card payment approval request message (or payment approval request information) is approved.

If the payment processing corresponding to the foreign card payment approval request text (or payment approval request information) is not approved, the special processing unit 920 generates a predetermined payment approval text including the payment error details to generate the payment network. Through the billing agency and the payment terminal (1000) provided in the affiliated stores that have signed a purchase agent agency contract according to the overseas card payment approval.

On the other hand, if the payment processing corresponding to the foreign card payment approval request full text (or payment approval request information) is approved, the professional processing unit 920 generates a predetermined payment approval full text including the payment approval details to generate the payment network. Through the purchase agent and the payment terminal (1000) provided in the affiliated store that has signed a purchase agent purchase agreement in accordance with the overseas card payment approval, and through the predetermined communication means to the payment purchase agent information The document is sent to the corresponding purchase agent server 925.

According to the implementation method of the present invention, the specialized processing unit 920 is a purchase agreement for the purchase of a slip corresponding to the foreign card payment approval details in the payment approval message transmitted to the payment terminal 1000. To the payment terminal 1000, including the information on the purchase of a certain agency, including the information on the purchase agent of the purchase agent, including the information that is processed through the agency for purchasing the purchase agent (for example, including the information on the purchase agency and phone number in the annotation of the payment approval). It is preferable to transmit, and thus, the affiliated store that has entered into a purchase agent agency contract based on the overseas card payment approval with the slip purchase agent does not have to perform a purchase procedure according to the request for approval of the overseas card payment.

The document purchase agency server 925 having received the payment approval details corresponding to the full overseas card payment approval request (or payment approval request information) stores the received payment approval details in a predetermined payment approval history D / B. .

According to an embodiment of the present invention, the voucher purchasing agency server 925 stores the received payment approval history information in the foreign card merchant information, and / or the merchant business type information, and / or the voucher purchaser (or card company) information. It is preferable to store in the payment approval history D / B by processing in conjunction with, and / or merchant fee information, it is possible to easily process the purchase process of the slip corresponding to the payment approval details.

10 is a diagram illustrating a functional configuration of a payment terminal 1000 having a payment mode according to an embodiment of the present invention.

More specifically, FIG. 10 illustrates an embodiment of a payment terminal 1000 having a payment mode for an overseas card payment service, and a person having ordinary knowledge in the art to which the present invention pertains, FIG. Reference and / or modification may infer the configuration of various payment terminals 1000 functions for the overseas card payment service, but the technical features of the present invention are not limited by the drawing 10, but all the implementation methods inferred It is to be included.

Referring to FIG. 10, a payment terminal 1000 having a payment mode for an overseas card payment service basically includes a control unit 1005, a memory unit 1050, a card reader unit 1010, a key input unit 1020, and a screen. It includes an output unit 1015, a communication processing unit 1030, a security application module 1035, a print output unit 1040 and a power supply unit 1025 for supplying power to the payment terminal 1000, It includes at least one terminal function unit (not shown) or the like according to the intention.

The control unit 1005 controls the overall operation of the payment terminal 1000 in the functional configuration, manages the flow of information or data between each component, at least one provided in the payment terminal 1000 for the overseas card payment function At least one processor and an execution memory (for example, a register and / or a random access memory) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. Access Memory)) and a bus for inputting and outputting predetermined data, and loading from the predetermined recording medium into the execution memory in order to perform a function specific to the payment terminal 1000 by software. (Reloaded) includes a predetermined program routine (Routine) and / or program data that is computed by the processor (and thus The control unit is a predetermined program recorded on a recording medium provided in the payment terminal 1000 and / or a functional configuration provided in the payment terminal 1000 for an external card payment function. It is characterized in that it is made (1005)).

According to the exemplary embodiment of the present invention, the controller 1005 outputs a component (eg, the memory unit 1050, the card reader unit 1010, the key input unit 1020, and a screen) provided in the payment terminal 1000. The payment terminal 1000 is interworked with the communication unit 1015, the communication processing unit 1030, the security application module 1035, the print output unit 1040, and / or a terminal function unit (not shown) according to the intention of a person skilled in the art. Control and manage the provision of the electronic payment service defined in the), as well as to control the components provided in the payment terminal 1000 for the international card payment service according to the present invention, and / or the It is preferable to execute a program recorded in a recording medium provided in the payment terminal 1000 for an overseas card payment service.

The memory unit 1050 is input and 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 1000 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, and the predetermined program routine and program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 1005 to perform a predetermined control function. ) Is stored.

According to the exemplary embodiment of the present invention, the memory unit 1050 may include affiliate store information (eg, CAT_ID information provided in the payment terminal 1000 provided in the affiliate store, and / or bansa) to be included in the full overseas card payment approval request. Or a merchant number including at least one affiliated store unique number assigned to the affiliated store by the card company).

The customer receiving the overseas card payment service according to the present invention through the payment terminal 1000, the contact type based on the MS (Magnetic Stripe) card, and / or ISO / IEC 7816 standard based on the ISO / IEC 7810 standard Has (or owns) a card including at least one IC card (or wireless IC chip) and / or a non-contact IC card (or wireless IC chip) based on ISO / IEC 14443 standard, wherein the card reader unit ( 1010 is characterized in that to provide an interface for reading at least one or more information or data provided in the card.

According to an embodiment of the present invention, the card reader unit 1010 may include an MS reader unit providing an interface between the MS card and the payment terminal 1000, and / or the contact IC card and the payment terminal 1000. And a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the payment terminal 1000.

The MS reader unit is a card reader unit 1010 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the payment terminal 1000 from at least one track (Track) provided in the MS of the MS card by using the loading.

The contact IC reader unit is a card reader unit 1010 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 (1000).

The contactless IC reader unit is a card reader unit 1010 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 Characterized in that the interface to the terminal 1000.

According to an embodiment of the present invention, the card reader unit 1010 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 1010 for the electronic payment service defined in the payment terminal 1000. Credit card, debit card, debit card, cash card, payment means information corresponding to a payment means including at least one or more) is preferred, and at least for the overseas card payment service according to the present invention It is preferable to read the payment means information including the predetermined card number from one or more cards.

According to an embodiment of the present invention, the payment means information including the card number includes a card number including at least one of a credit card number, a check card number, a debit card number, a prepaid card number, and the like. At least one track II information including at least one is preferable.

The key input unit 1020 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 operation mode of the payment terminal 1000 controlled by the controller 1005. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1005. The control unit 1005 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 1000, and / or is defined in accordance with the key event. And an instruction to be executed to perform the functions characterized in that the pickup. The key input unit 1020 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the payment terminal 1000.

The key input device interoperating with the key input unit 1020 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 1020 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the payment terminal 1000. It is preferable to perform the function of the key input means for receiving the input, and also to input at least one or more key data required in the process of providing the overseas card payment service from the key input device for the overseas card payment service according to the present invention. It is preferable to perform the function of the receiving key input means.

According to an exemplary embodiment of the present invention, a key input device corresponding to the key input unit 1020 may provide an overseas card payment service according to the present invention in an initial mode and / or a general payment mode of an operation mode of the payment terminal 1000. It is desirable to have a key button to switch to the payment mode for.

The screen output unit 1015 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 1005 while the payment terminal 1000 performs a predetermined function (for example, the electronic payment processing function) And at least one information or data that is predefined or defined in real time to be output to a predetermined output device including a Ray Tube) through a predefined interface screen, wherein the screen output unit 1015 And the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal 1000.

Predefined information or data to be output from the payment terminal 1000 to the screen output device may include key data input through the key input unit 1020 and / or components included in the payment terminal 1000. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 1030, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 1000. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 1015 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 1000 It is preferable to perform a function of an output means, and also to perform a function of a screen output means for outputting a processing screen corresponding to the step of providing an overseas card payment service to the screen output device for an overseas card payment service according to the present invention. It is desirable to.

The communication processor 1030 may include a bansa server connected through a payment network (eg, a value added network (VAN)) while the payment terminal 1000 performs a predetermined function (for example, an electronic payment processing function). 135) and / or a terminal (or device) connected to the payment terminal 1000 through a predetermined cable and / or a terminal (or device) connected to the payment terminal 1000 through predetermined short-range wireless communication. It provides a predetermined communication means for connecting the session, the network communication unit for connecting a predetermined communication channel with the Bansa server 135 on the wired or wireless network, and / or a predetermined terminal through a predetermined cable communication port A predetermined communication with a predetermined short distance communication terminal (or device) device through a cable communication unit for connecting a communication session with the (or device), and / or at least one short range wireless communication means. It includes a short-range wireless communication unit for connecting a new session, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) in 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). A communication channel is connected to a Bansa server 135 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and is configured to hardwarely connect the payment terminal 1000 to a predetermined wired / wireless network. It includes a modem or a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the payment terminal 1000 to the wired / wireless network.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

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). Characterized in that for connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The secure application module 1035 (SAM) is a confidentiality and / or authentication required by the payment terminal 1000 in the process of performing the electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, etc., within the payment terminal 1000 without using an authentication server (or bansa server 135) on the payment network. As a safety device for performing a reliable and reliable structure, a predetermined message (information or data) processed in the process of the payment terminal 1000 performing a predetermined security request function (for example, electronic payment and / or electronic payment function). Key information important in the process of encrypting or decrypting, adding an authenticator that prevents forgery (or tampering) of the message, or performing the security request function. Characterized in that the function to store.

In general, the security application module 1035 preferably comprises a predetermined security application module 1035 inserter and a security application module 1035 chip, the security application module 1035 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 1035 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 1000 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, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit 1040 may process the payment terminal 1000 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data (eg, payment processing result information) generated as a result. Or data) to a predetermined printing device (eg, a receipt printer), and a printing protocol and a driver for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. It is made to include.

Referring to FIG. 10, the payment terminal 1000 checks whether an operation mode of the payment terminal 1000 corresponds to a payment mode corresponding to the overseas card payment service in order to provide an overseas card payment service according to the present invention. When the operation unit 1055 and the operation mode of the payment terminal 1000 is the payment mode as a result of the confirmation, the card reader 1010 receives a predetermined card number for the overseas card payment service from the customer card. Read and input payment means information including; and / or input payment information for the overseas card payment service from a predetermined key input means through the key input unit 1020, and / or the cable communication unit and / or Information input for extracting and inputting payment information for the overseas card payment service from at least one terminal (or device) through a short range wireless communication unit Full text of the overseas card payment approval request including at least one payment means information including the card number inputted through the information input unit 1060 and payment information (eg, payment amount, installment months, etc.) The professional generation unit 1065 for generating a; and the professional transmission unit 1070 for transmitting the generated foreign card payment approval request full text to the bansa server 135 on the payment network through the communication processing unit 1030, and the communication Receives a payment approval message including a payment processing history corresponding to the foreign card payment approval request message from the Bansa server 135 on the payment network through the processing unit 1030, and the payment processing history included in the payment approval message And a specialized processor 920 and 1075 for screen output through the screen output unit 1015 and / or print output through the print output unit 1040. It shall be.

The mode checking unit 1055 periodically checks whether an operation mode of the payment terminal 1000 is a payment mode corresponding to the overseas card payment service (or in response to the payment mode switch key event). .

If the check result is that the operation mode of the payment terminal 1000 is not the payment mode, the payment terminal 1000 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 1000 is the payment mode. If it is confirmed as, the mode check unit 1055 outputs the payment mode check result through the screen output unit 1015, and provides the information input unit 1060.

The information input unit 1060 receives a predetermined card number for the overseas card payment service from the customer card through the card reader 1010 to process an electronic payment corresponding to the payment mode for the overseas card payment service. Characterized in that the payment means information including the input information, payment means information including the input card number is provided to the full text generation unit 1065.

In addition, the information input unit 1060 is a payment for the overseas card payment service from a predetermined key input means through the key input unit 1020 to process the electronic payment corresponding to the payment mode for the overseas card payment service. Characterized in that the input information, the input payment information is provided to the full text generation unit 1065.

In addition, the information input unit 1060 may receive the overseas payment from at least one terminal (or device) through the cable communication unit and / or the short range wireless communication unit to process the electronic payment corresponding to the payment mode for the overseas card payment service. Extract and input payment information for a card payment service, and the input payment information is provided to the full text generation unit 1065.

The full text generation unit 1065 is an overseas card payment including at least one or more payment means information and payment information (eg, payment amount, installment months, etc.) including the card number input through the information input unit 1060 Characterized by generating a full text of the approval request, and provides the generated foreign card payment approval request full text to the professional transmission unit (1070).

The specialized transmission unit 1070 transmits the foreign card payment approval request message generated by the professional generation unit 1065 to the bansa server 135 on the payment network through the communication processing unit 1030. In response, the bansa server 135 performs a predetermined payment processing procedure for providing the overseas card payment service through the full overseas card payment approval request message, and then the payment approval details corresponding to the payment processing result. Alternatively, a payment processing history corresponding to any one of payment error details is generated, and a predetermined payment approval text including the payment processing details is generated and transmitted to the payment terminal 1000 through the payment network.

After the foreign card payment approval request message is transmitted to the bansa server 135 through the professional transmission unit 1070, the professional processing unit 920 and 1075 are configured on the payment network through the communication processing unit 1030. Periodically (or in response to a full-text reception event of the communication processing unit 1030), the payment approval text including the payment processing history corresponding to the overseas card payment approval request full text is received from the bansa server 135.

If a payment approval message including a payment processing history corresponding to the overseas card payment approval request message is received through the communication processor 1030, the expert processing unit 920 or 1075 may include a payment included in the payment approval message. Process output (for example, payment approval details, or payment error details) screen output through the screen output unit 1015, and / or print output through the print output unit 1040, The electronic payment procedure for the overseas card payment service is completed.

11 is a diagram illustrating a specialized structure for requesting payment approval request according to an embodiment of the present invention.

In more detail, FIG. 11 is an embodiment of a full-service foreign credit card payment approval request generated by the payment terminal 1000 shown in FIG. 10 for credit card-based payment processing, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 11 to infer various implementation methods for the above-mentioned foreign card payment approval request specialized structure for payment processing using other foreign cards in addition to the credit card. Includes all the inferred implementation methods, and this payment approval request specialized structure is not limited to that illustrated in FIG.

Referring to FIG. 11, the payment approval request full-text structure may include at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval request text may include a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.), a terminal_ID item for the payment terminal 1000, a POS entry mode item, and the payment terminal associated with the credit card payment. TRACK II Data items (e.g., PAN (Primary Account Number) area of TRACK II and additional data (AD) of the MS card) corresponding to the payment means information obtained from the predetermined card through the card reader provided in (1000) and / Or credit card information obtained from a DD (Discretionary Data) area, or credit card information obtained from a credit card file of an IC card, and after a predetermined FS (File Separator, 0X1C) It includes the corresponding installment months, total amount, and service charges, and also includes the Working Key Index, password, product code, and serial number. Eojinda. Persons of ordinary skill in the art to which the present invention pertains can clearly understand the details of each item included in the credit card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

In the information item included in the full payment approval request, the TRACK II Data item includes payment means information including the card number, and the bansa server 135 stores the card number included in the TRACK II Data item. By reading, it is characterized in that whether the full payment approval request is a full text card approval approval request or domestic card payment approval request.

In addition, the Terminal_ID item in the information item included in the full payment approval request is the merchant information (for example, CAT_ID information provided in the payment terminal 1000 provided in the merchant, and / or bansa (or card company) in the And a merchant number including at least one merchant specific number assigned to a merchant). When the payment approval request is confirmed as a foreign card payment approval request by the bansa server 135, the merchant information It is characterized in that the payment processing by substituting the information of the merchant purchase agency predetermined shop.

12 is a diagram illustrating a payment approval professional structure according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a pre-determined payment network (eg, a Value Added Network (VAN) for a full payment of a foreign card payment approval request generated by the payment terminal 1000 shown in FIG. 10 for credit card-based payment processing. After transmitting to a predetermined Bansa server 135 through)), an exemplary method for the payment approval professional structure received by the payment terminal 1000 including the predetermined payment approval history as an example, the present invention Those skilled in the art may refer to and / or modify this drawing 12 to infer various implementation methods for the payment approval specialization structure corresponding to the foreign card payment approval request message to those skilled in the art according to the intention. As will be appreciated, the present invention includes all such implementation methods inferred and the present invention is not in any way limited to that illustrated in this drawing. All.

Referring to FIG. 12, 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 preamble includes a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) corresponding to a transaction classification related to the credit card payment included in the foreign card payment approval request message shown in FIG. 11 and the payment terminal. Terminal_ID column, status value column (e.g. 'O': credit card payment request normal authorization, 'X': credit card payment request declined), transaction date item and message 1 item, message 2 item, message 3 for (1000) Item, message 4 item, authorization number item (e.g., if the status value is 'O', credit approval number, or if the status value is 'X', credit card payment decline reason code), purchaser ID item, card company (Bank) Type name item, Issuer ID item, Document serial number item, Merchant number item, Document purchaser item, Annotation item, HELP DESK PHONE NO item, PIN DATA item and This includes the Control_Flag item. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each approval result item included in the credit card payment approval department with reference to FIG. Description is omitted.

The message 1 item, and / or message 2 item, and / or message 3 item, and / or message 4 item, and / or comment item, among the information items included in the payment approval message, correspond to the foreign card payment approval details. Includes information on the purchase of a message for the document, including the information on the purchase of the document, including the purchase of the agent through a document purchase agency that has entered into a contract for the purchase of an overseas card. Number, etc.).

Figure 13 illustrates a payment receipt according to an embodiment of the present invention.

In more detail, in FIG. 13, the payment terminal 1000 shown in FIG. 10 generates the full overseas card payment approval request message shown in FIG. 11 and transmits it to the bansa server 135, and then the bansa server 135. In the case of receiving the payment approval full text shown in FIG. 12 including the payment approval details from the example, a payment receipt corresponding to the payment approval full text is illustrated, and a person having ordinary knowledge in the technical field to which the present invention belongs. With reference to FIG. 13, embodiments of various payment receipts corresponding to various payment receipt formats may be inferred, and the present invention is not limited thereto.

Referring to FIG. 13, the payment receipt includes a predetermined purchase company item, wherein the purchase company item is a contract purchaser (or card company) information contracted by the purchase agent to purchase a document according to the overseas card payment approval request. It is made, including.

In addition, the payment receipt includes a notification item corresponding to the annotation of the payment approval text, wherein the notification item is in the document purchase agency that has signed a purchase agent agency contract in accordance with the overseas card payment approval history It includes message information informing the affiliated store (or customer) by acting as a corresponding slip purchase.

In addition, the payment receipt includes an inquiry phone item, the inquiry phone item comprises a phone purchase agency phone number that has signed a purchase agent agency contract according to the payment card overseas merchant approval.

14 is a diagram illustrating a foreign card payment processing process according to an embodiment of the present invention.

More specifically, Figure 14 is based on the overseas card payment processing system shown in Figure 9, the predetermined payment terminal 1000 shown in Figure 10 generates the full overseas card payment approval request shown in Figure 11 By transmitting to the bansa server 135 shown in Figure 9, the bansa server 135 to register the overseas card merchants shown in Figures 1 and / or 3 and / or 5 and / or Figure 7 It is a process for performing the overseas card payment procedure using the information on the purchase agent of the agent, the overseas card merchant information, merchant business information and the purchase company (or card company) information stored in a predetermined storage medium 130 through the information registration system. For those of ordinary skill in the art to which the present invention pertains, with reference to and / or modifying the drawing 14, the information on the purchase agent of the agent stored in the storage medium 130, foreign card Although various implementation methods for the overseas card payment processing process using blind spot information, merchant business information and slip purchase company (or card company) information may be inferred, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown.

Referring to FIG. 14, a predetermined payment terminal 1000 shown in FIG. 10 generates a full overseas card payment approval request message shown in FIG. 11 (1400), and specifies the generated full overseas card payment approval request message. When the transfer to the bansa server 135 through the payment network (VAN) (1405), the bansa server 135 reads the received payment approval request full text, the payment approval request is a foreign card payment approval request Check whether it is a full text message or a domestic card payment approval request text (1410).

According to the exemplary embodiment of the present invention, the bansa server 135 reads the first digit of the card number included in the payment approval request message, and the payment approval request message is a foreign card payment approval request message or a domestic card. It is a good idea to make sure that the payment is approved.

For example, foreign cards that can be used in Korea are Visa card and Master card. In the case of Visa card, the first digit of the card number starts with '4', and the first digit of the card number starts with '5'. The server 135 may check whether the payment approval request text message is a foreign card payment approval request text message or a domestic card payment approval request text text by checking the first digit of the card number included in the payment approval request text message. That is, if the first digit of the card number starts with '9', the full payment approval request is a domestic card payment approval request.

According to an exemplary embodiment of the present invention, the bansa server 135 reads the front 4 digits (or 6 digits) of the card number included in the full payment approval request message, and the full payment approval request message is an overseas card payment approval request message. It is desirable to check whether or not the domestic card payment approval request.

For example, a domestic card also issues a visa card and a master card. By reading the first digit of the card number, it is possible to accurately check whether the payment approval request is a foreign card payment approval request or a domestic card payment approval request. Can't.

Accordingly, the bansa server 135 reads the first four digits (or six digits) of the card number including the card company identification number and the card identification number on the card number, thereby providing the first four digits (or six digits) of the card number. If the card company identification number included in the domestic card company, and the card identification number is a number assigned to the card issued by the domestic card company, the bansa server 135 the full payment approval request to the domestic card payment approval request Check it.

On the other hand, if the card company identification number included in the first four digits (or six digits) of the card number does not correspond to a domestic card company, and / or the card company identification number cannot be confirmed, the bansa server 135 requests the payment approval. Confirm the full text as a request for overseas card payment approval.

In addition, when the card identification number included in the first four digits (or six digits) of the card number is not a number assigned to a card issued by a domestic card company, and / or the card identification number cannot be confirmed, the bansa server The 135 confirms the full payment approval request as a foreign card payment approval request.

If the payment approval request message is a domestic card payment approval request message (1415), the bansa server 135 performs a conventional payment approval procedure based on the domestic card payment approval request message (1420).

On the other hand, if the payment approval request is a full overseas card payment approval request (1415), the bansa server 135 is the merchant information included in the full overseas card payment approval request (for example, payment terminal 1000 provided in the merchant) CAT_ID information, and / or bansa (or card company) to extract the merchant number including at least one or more merchants unique number assigned to the merchants, and through the extracted merchant information and the drawing 1 and / or At least one ticket purchase agency information, overseas card merchant information, merchant business information, ticket purchase company (or card company information) through the information registration system for registering the overseas card merchants shown in FIGS. 3 and / or 5 and / or 7 By querying the storage medium 130 that stores the (eg, the extracted from the payment approval request full text from the storage medium 130 By searching for overseas card merchant information matching the blind spot information), and the merchant equipped with the payment terminal 1000 that transmits the full foreign card payment authorization request is signed by the purchase agent and the purchase agent contract according to the overseas card payment approval Check whether the merchant is signed (1425).

If the verification result is that the merchant is not an affiliated store that has signed a contract for purchasing a slip in accordance with an overseas card payment agency (1430), the bansa server 135 is based on the preamble of the overseas card payment approval request. The overseas card payment approval procedure is performed (1435).

If the verification result is that the affiliated store has signed a purchase agent contract with the purchase agent according to the overseas purchase card agency (1430), the bansa server 135 is the merchant information contained in the full foreign card payment approval request message Replaces with a predetermined ticket purchase agency affiliate store information corresponding to the affiliate store industry information (1440).

According to an embodiment of the present invention, the bansa server 135 replaces the affiliated store information included in the full overseas card payment approval request with the slip purchase agent affiliate store information, thereby performing the payment approval process (or card company) ) Allows the purchase of a document corresponding to the settlement approval result to be processed through the purchase agent rather than the affiliate store.

In addition, the bansa server 135 to replace the affiliate store information included in the full foreign card payment approval request message with the merchant purchase agency affiliate store information, corresponding to the affiliate store business type through the affiliate store business information corresponding to the affiliate store By substituting the merchant information included in the full foreign card payment approval request through the purchase agent agency information, the merchant fee according to the overseas card payment approval request is processed corresponding to the industry.

For example, if a merchant that enters into a contract purchase agency agreement with a slip purchase agency based on an overseas card payment approval is a business type corresponding to a lodging business, the bansa server 135 stays at the merchant information included in the foreign card payment approval request message. Replace with the information of the merchant purchase agency corresponding to the industry.

In addition, if the franchise that has entered into a contract purchase agency agreement with the ticket purchase agency according to the overseas card payment approval industry that corresponds to the food industry, the bansa server 135 is the food industry information merchants included in the full foreign card payment approval request Replace with the information of the merchant purchasing agency corresponding to the.

In addition, if the merchant that signed a purchase agent agency agreement with the purchase agent according to the overseas purchase card, the business sector corresponding to the service industry, the bansa server 135 is the service industry to enter the merchant information contained in the full text of the overseas card payment approval request Replace with the information of the merchant purchasing agency corresponding to the.

In addition, if the merchant that entered into the purchase agent contract with the purchase agent according to the overseas purchase card payment agency, the industry corresponding to the other, the bansa server 135 the merchant information included in the full foreign card payment approval request message other industries Replace with the information of the merchant purchasing agency corresponding to the.

Subsequently, the bansa server 135 transmits the payment approval request message (or payment approval request information) including the ticket purchase agency affiliate store information through a predetermined communication means to correspond to the slip purchase company (or card company) information. In operation 1450, the payment server 930 performs an overseas card payment approval procedure corresponding to the full payment approval request message (or payment approval request information) (1450).

If, as a result of performing the payment approval process, the overseas card payment processing corresponding to the full payment approval request (or payment approval request information) is not approved (1455), the payment server 930 includes a predetermined payment error history. Generate and process the payment processing history to the bansa server 135 (1460), the bansa server 135 generates a payment approval message containing the payment error details (1465), the generated payment approval message This is transmitted to the payment terminal 1000 provided in the affiliated store through the payment network (VAN), and correspondingly, the payment terminal 1000 outputs the payment error details on a predetermined payment receipt (1470).

On the other hand, if the foreign card payment processing corresponding to the full payment approval request (or payment approval request information) is approved as a result of performing the payment approval procedure (1455), the payment server 930 includes a predetermined payment approval history. Generate and process payment processing details to the bansa server 135 (1475), and the bansa server 135 generates a payment approval text including the payment approval details as shown in Figure 12 (1480) In addition, the generated payment approval message is transmitted to the payment terminal 1000 provided in the affiliated store through the payment network (VAN), and the payment terminal 1000 corresponds to the payment as shown in FIG. The authorization details are output on the predetermined payment receipt (1485).

Subsequently, the bansa server 135 transmits the payment approval history received from the payment terminal 1000 to the slip purchase agency server 925 corresponding to the slip purchase agency information stored in the storage medium 130 (1490). In response, the slip purchase agency server 925 stores the received payment approval history information in a predetermined payment approval history D / B.

According to an embodiment of the present invention, the voucher purchasing agency server 925 stores the received payment approval history information in the foreign card merchant information, and / or the merchant business type information, and / or the voucher purchaser (or card company) information. It is preferable to store in the payment approval history D / B by processing in conjunction with, and / or merchant fee information, it is possible to easily process the purchase process of the slip corresponding to the payment approval details.

In accordance with the present invention, the ban company deviates from the way of arbitrarily designating the foreign card purchase company, the purchase company (or card company) through the purchase agent (for example, representative merchants for the purchase of documents) of the slip of the slip company (or card company) There is an advantage to strengthen autonomy of acquiring work.

According to the present invention, the voucher buying agency is a sales activity for the various merchants to designate a specific voucher (or card company) for the overseas card sales share through the voucher buying agency, as the representative merchant status for the merchant By performing billing for the purchase company (or card company) and refinancing the merchant, there is an advantage of generating a profit for the sales activity.

According to the present invention, the voucher purchaser (or card company) guarantees the profit by applying the merchant fee for the overseas card sales to the ordering agency that is applied to the large merchants for the voucher purchase agency, the voucher purchase agency By driving overseas card sales to a specific purchase company (or card company) through the business activity of attracting merchants, there is an advantage that the ticket purchase company (or card company) and the purchase agent can win-win each other.

Claims (10)

Information on the purchase agent of the agency that has signed a purchase agent for the purchase of the foreign card in accordance with the approval of an overseas card in a predetermined information storage means, and information on the purchase agent (or card company) of the foreign agent who has signed the purchase of the agent with the foreign agent; Cooperatively processing the foreign card affiliate store information and storing the information on a predetermined storage medium; Receiving the full text of the foreign card payment approval request transmitted from at least one merchant terminal in a predetermined message receiving means; Reading the full text of the payment approval request in a predetermined text confirming means to determine whether it is an overseas card payment approval request or a domestic card payment approval request; Extracting affiliate store information from the foreign card payment approval request message in a predetermined information extracting means; Confirming information on a ticket purchase agency corresponding to the affiliated store information in connection with the storage medium (or storage medium operating means) in a predetermined information checking means; When the slip purchase agency information is confirmed, a payment server corresponding to the slip purchase company (or card company) information by replacing the merchant information included in the full foreign card payment approval request message with the slip purchase agent affiliate information in a predetermined professional processing means. Requesting a payment authorization to; When the payment approval details corresponding to the full payment approval request message are received from the payment server, the payment processing message including the payment approval details is transmitted from the specialized processing means to the affiliated store terminal, and the payment approval history information is further transmitted. Overseas card payment processing method comprising the; step of transmitting to the purchase agent agency server. The method of claim 1, Generating the overseas card slip purchase information by predetermined information generating means; Transmitting, by a predetermined information transmission means, the foreign card slip purchase information to a slip purchase company (or card company) server corresponding to the slip purchase company (or card company) information identified from the storage medium; When a predetermined overseas card slip purchase result is received from the slip purchase company (or card company) server, the slip purchase agency server corresponding to the slip purchase agency information confirmed by the slip purchase means by the predetermined slip processing means from the storage medium. Transmitting to; And calculating the settlement amount corresponding to the overseas card affiliate fee in the affiliated store in connection with the storage medium in the slip purchase agency server. According to claim 1, wherein the information on the purchase agent agency that has entered into a purchase agent agency contract in accordance with the overseas card payment approval with a predetermined merchant in the predetermined information storage means and the purchase agent (the purchase agent that has signed an overseas card purchase agreement agreement with the purchase agent) ( Or storing the card company) information and the overseas card affiliate information in a predetermined storage medium by linking and processing the information; Transmitting overseas card affiliate store information and the affiliated store business information for which an overseas card merchant contract is concluded at a predetermined bansa server to the slip purchase agency server; Transmitting the overseas card affiliate store information and the affiliate store business type information from the ticket purchase agency server to a predetermined purchase company (or card company) server; Determining a merchant fee corresponding to the affiliated store type information in the slip purchase company (or card company) server, and transmitting the merchant fee information to the slip purchase company (or card company) server; Generating an overseas card slip purchase contract information corresponding to the overseas card affiliate store at the slip purchase agency server. According to claim 1, wherein the information on the ticket purchase agency that has entered into a purchase agent agency contract according to the overseas card payment approval with a predetermined merchant in the predetermined information storage means and the ticket purchase company that has entered into an overseas card ticket purchase agreement with the ticket purchase agency ( Or storing the card company) information and the overseas card affiliate information in a predetermined storage medium by linking and processing the information; Requesting an affiliated store registration by transmitting the foreign card affiliated store information and the affiliated store business information to which the overseas card affiliated contract is concluded in the slip purchase agency server to a predetermined bansa server; When the affiliated store registration is confirmed, transmitting the foreign card affiliated store information and the affiliated store type information from the ticket purchase agency server to a predetermined purchase company (or card company) server; Determining a merchant fee corresponding to the affiliated store type information in the slip purchase company (or card company) server, and transmitting the merchant fee information to the slip purchase company (or card company) server; Generating an overseas card slip purchase contract information corresponding to the overseas card affiliate store at the slip purchase agency server. The method of claim 1, wherein the specialized processing means, When replacing the merchant information included in the full foreign card payment approval request message with the merchant purchase agent merchant information, Overseas card payment processing method, characterized in that for replacing the merchant information contained in the full overseas card payment approval request through the purchase agent information agency merchant corresponding to the merchant business type. The method of claim 1, wherein the full payment approval is Include the foreign card voucher processing message information in the annotation item; and / or Overseas card payment processing method comprising the telephone purchase agent information of the slip in the inquiry telephone item. A recording medium comprising a program for executing the method of any one of claims 1 to 6. Linking the information on the purchase agent of the agency that signed the purchase agreement with the specified merchant and the overseas card settlement, the information on the purchase of the agent (or card company) with which the purchase agent of the overseas card was purchased and the information on the overseas card merchant Information storage means for processing and storing in a predetermined storage medium; Specialized receiving means for receiving a full text of an overseas card payment approval request transmitted from at least one affiliated store terminal; A professional verification means for reading the full payment approval request and confirming whether it is an overseas card payment approval request or a domestic card payment approval request; Information extracting means for extracting affiliate store information from the full foreign card payment approval request; Information checking means for confirming information on a ticket purchase agency corresponding to the affiliated store information in association with the storage medium (or storage medium operating means); When the information on the purchase agent of the slip is confirmed, the merchant information included in the foreign card payment approval request message is replaced with the information on the purchase agent of the slip agency to request payment approval to the payment server corresponding to the information on the purchase company (or card company). When the payment approval details corresponding to the full payment approval request message are received from the payment server, the payment approval message including the payment approval details is transmitted to the affiliated store terminal, and the payment approval history information is also transmitted to the slip purchase agency server. Overseas card payment processing system comprising a; professional processing means for transmitting to. The method of claim 8, wherein the specialized processing means, When replacing the merchant information included in the full foreign card payment approval request message with the merchant purchase agent merchant information, Overseas card payment processing system, characterized in that for replacing the merchant information contained in the full overseas card payment approval request through the purchase agent agency information corresponding to the merchant business type. The method of claim 8, wherein the full payment approval is Include the foreign card voucher processing message information in the annotation item; and / or Overseas card payment processing system comprising the telephone purchase agent information of the slip in the inquiry telephone item.

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