KR20090004419A - System for processing telegram related payment - Google Patents

Abstract

A System for processing telegram related with payment is provided to transmit an approval request to a payment authorization institution after reading the telegram directly. A System for processing telegram related with payment comprises the followings: a card terminal(145) transmitting and generating the telegram about an payment approval request; a VAN corp. server(135) processing payment after transmitting the telegram; and a relay processing unit(100) transmitting the payment approval request telegram.

Description

System for Processing Telegram Related Payment

FIG. 1 is a diagram illustrating a system configuration for relaying payment related texts by assisting a van company server when an error occurs in a van company server according to an exemplary embodiment of the present invention.

2A and 2B are views illustrating a process of relaying a payment related full text by assisting a van company server when an abnormality occurs in a van company server according to an exemplary embodiment of the present invention.

FIG. 3 is a diagram illustrating a system configuration for relaying payment related texts by assisting a van company server when an error occurs in a van company server according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a functional configuration of a card terminal interworking with a relay processing apparatus (or a server) according to an exemplary embodiment of the present invention.

5A and 5B are views illustrating a process of relaying a payment related full text by assisting the van company server when an error occurs in a van company server according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: relay processing unit 105: receiving unit

110: transmission unit 115: confirmation unit

120: professional processing unit 125: information storage unit

130: storage medium 135: VAN server

140: payment server 145: card terminal

The present invention reads the card terminal for generating and sending a payment approval request full text, the payment approval request full text to confirm the payment approval authority for payment approval request, and the payment approval request text for the confirmed payment approval request target payment approval authority Van company to process the payment by transmitting the (VAN) server, and periodically monitor the van (VAN) server to check whether the van (VAN) server abnormality, and the payment approval request from the card terminal Is received, if there is no abnormality in the van company server at the time of receipt of the payment approval request message, the payment approval request message is transmitted to the van company server through the van company server. The payment corresponding to the payment approval request full text is processed, and if there is an error in the van (VAN) server at the time of receiving the payment approval request text, the payment approval request full text directly The present invention relates to a payment related professional processing system including a relay processing device that reads the payment approval request target payment approval institution and transmits the full text of the payment approval request to the identified payment approval request target payment approval institution.

With the expansion of the electronic payment infrastructure, electronic payment services in the form of postpaid / debit payments have become common based on at least one or more electronic payment means of credit card and / or check card and / or debit card. A van providing a payment network for a payment transaction between a provided payment terminal device and a card company (or financial company) that issued at least one customer card of a credit card and / or a check card and / or a debit card to a visited customer of the merchant. Added Network (VAN), which also operates a bansa-based reseller / merchant network to maintain and manage the established electronic payment infrastructure.

The bansa provides a payment network for payment transactions between a payment terminal device provided in at least one or more merchants and a payment server provided in at least one card company (or financial company), and the payment network fee (or fee) The main source of revenue is imposed on.

However, if there is an abnormality of the bansa, and the transaction between the payment terminal device and / or payment server can not be performed smoothly, the bansa, card customers, merchants and payment institutions will have a lot of inconvenience or damage, respectively, It is time to prepare for this.

An object of the present invention for solving the above problems, the card terminal for generating and sending a payment approval request full text, and confirms the payment approval request target payment approval authority by reading the payment approval request full text, and the target payment approval request confirmed By periodically monitoring the van company server and the van company server for relaying and transmitting the full payment approval request message to a payment approval institution, and checking whether the van company server is abnormal. When the payment approval request message is received from the card terminal, if there is no abnormality in the van server at the time of receiving the payment approval request message, the payment approval request message is transmitted to the van server. The payment corresponding to the full payment approval request is processed through the van company server, and at the time of receiving the full payment approval request message, the van company server has an abnormality. In case of payment, the payment approval request is directly read to confirm the payment approval authority for the payment approval request, and the payment approval request target payment approval agency transmits the payment approval request message to the payment approval authority. In providing a professional processing system.

The payment related professional processing system according to the present invention checks the payment approval request target payment approval institution by reading a card terminal for generating and transmitting a payment approval request text and a payment approval request text, and confirming the payment approval request target payment. The server company (VAN) server that relays the payment approval request full text to the approval agency and processes the payment, and periodically monitors the van company (VAN) server to check whether the van (VAN) server is abnormal. When the payment approval request message is received from the card terminal, when there is no abnormality in the van company server at the time of receiving the payment approval request message, the payment approval request message is transmitted to the van company server. A payment corresponding to the full payment approval request is processed through a van company server, and at the time of receipt of the full payment approval request message, the van company server has an error. Wu, validating the payment authorization request destination payment authorization authority to directly read out the payment authorization request and specialized, and a relay processing unit for transmitting the specialized requests the payment authorization to the identified payment authorization request destination payment authorization authority.

According to the present invention, if there is an error in the van company server at the time of receiving the payment approval request message, the relay processing apparatus is a virtual van company server from the payment approval institution targeted for payment approval request. It is characterized in that it is recognized.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

For example, the following embodiments will be described by showing that the respective functional means having the technical features as described above are provided on the VAN, or is provided in the merchant to facilitate the present invention.

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

1 is a diagram illustrating a system configuration for relaying payment-related full texts by assisting the van company server 135 when an abnormality occurs in the van company server 135 according to an exemplary embodiment of the present invention. One drawing.

In more detail, Figure 1 is a van (VAN) company in the process of processing the payment approval request message transmitted from the card terminal 145 provided in at least one or more merchants in the company (135), the van (VAN) company If it is difficult to process the transmitted payment approval request message due to an abnormality occurring inside and / or outside of the server 135, the van (VAN) server 135 (instead of the secondary), to the at least one or more merchants As a method for implementing a relay processing system for processing the full payment approval request transmitted from the provided card terminal 145, a person having ordinary skill in the art to which the present invention pertains refers to FIG. Alternatively, it may be possible to infer various implementation methods for processing the payment approval request, etc. in place of (or assist) the van (VAN) server 135 by modifying, but the present invention is inferred Including exemplary methods and is not limited to the exemplary method shown in the figure 1.

Referring to FIG. 1, the illustrated relay processing system includes a card terminal 145 provided in at least one or more affiliated stores that transmit payment related texts, a predetermined van company server 135, or the van. (VAN) in conjunction with the company server 135, periodically checks whether or not the van (VAN) server 135 is abnormal, and when the van (VAN) server 135 is abnormal, the van (VAN) A relay processing apparatus (or server) 100 for processing payment related texts transmitted from the card terminal 145 on behalf of (or subsidiary) the company server 135 and the van company server 135 ), At least one or more payment related texts transmitted from the card terminal 145 are provided by the payment approval institution server 140 provided from the relay processing apparatus (or server) 100. .

According to an embodiment of the present invention, at least one or more payment related telegrams transmitted from the card terminal 145 are transmitted to the van company server 135 through the relay processing apparatus (or server) 100. Or, it is preferably transmitted simultaneously to the relay processing apparatus (or server) 100 and the van (VAN) company server 135, but is not limited thereto.

Referring to FIG. 1 according to the embodiment of the present invention, the relay processing apparatus (or server) 100 is the relay processing apparatus (or server) 100 when an abnormality of the van company server 135 occurs. It is characterized in that it comprises a predetermined storage medium for storing the payment-related professional processing history processed through) or in conjunction with the storage medium (or storage medium operating means).

Referring to FIG. 1, the relay processing apparatus (or server) 100 may be associated with at least one payment from a card terminal 145 provided in at least one merchant through a predetermined merchant side payment network (eg, a VAN). Provides and manages the receiving unit 105 for receiving the full text (for example, full payment approval request, full payment approval cancellation, etc.), and the card terminal 145 provided in the merchant, and the payment transmitted from the card terminal 145 In connection with the van (VAN) server 135 for processing the related text, the check unit 115 for periodically checking whether or not the abnormality of the van (VAN) server 135 to check the occurrence of the abnormality, and When the abnormality of the van (VAN) company 135 is confirmed, it is characterized in that it comprises a specialized processing unit 120 for transmitting the received payment-related full text to the payment approval agency server 140.

In addition, according to the implementation method of the present invention, the relay processing apparatus (or server) 100, the payment-related response full text corresponding to the payment-related full text transmitted to the payment approval authority server 140, the payment approval authority server When received from 140, the payment related response message may be configured to further include a transmission unit 110 for transmitting to the merchant card terminal 145 that transmitted the payment related message.

In addition, according to the method of the present invention, the relay processing apparatus (or server) 100, the card terminal 145 provided in the at least one or more merchants due to an abnormal occurrence of the van (VAN) server 135. When the payment related message transmitted from the relay processing apparatus (or server) 100 is processed, the information storage unit 125 may be further configured to store the payment related professional processing history on the storage medium. .

The receiving unit 105, characterized in that for receiving at least one or more payment related messages transmitted from the card terminal 145 through a payment network (for example, VAN, etc.) connected to the merchant card terminal 145, The received payment-related full text is transmitted to the professional processing unit 120 according to whether or not the van (VAN) server 135 is abnormal (for example, when the van (VAN) server 135 is abnormal), or It is transmitted to the information storage unit 125 (e.g., during normal operation of the van company server 135), or automatically deleted (e.g., during normal operation of the van company server 135). desirable.

The verification unit 115 provides a van (VAN) company server 135 (for example, providing the card terminal 145 to a merchant or processing the payment related message transmitted from the card terminal 145 to the merchant). And a server (VAN) that manages the provided card terminal 145 to process the payment-related full text), and checks whether there is an abnormality of the server (VAN) server 135. .

According to an exemplary embodiment of the present invention, an abnormality of the van (VAN) company 135 may be caused by an internal failure of the van (VAN) company 135 (eg, due to occurrence of hardware and / or software abnormality on the server). Failure, etc.) or an external failure of the van (VAN) company 135 (for example, a failure due to an external peripheral device failure or power supply interruption, etc.), or a payment related message transmitted from the card terminal 145. Is not normally received, when the payment related message transmitted from the card terminal 145 is not normally read, at least one or more cases of failing to transmit the read payment related message to the corresponding payment approval institution server 140. Characterized in that it comprises a.

According to the method of the present invention, the verification unit 115 periodically monitors the operation state of each functional configuration unit (not shown) of the van (VAN) company 135, the van ( It is possible to check whether or not an abnormality of the VAN) server 135 occurs.

In addition, according to another embodiment of the present invention, when the van (VAN) company 135, the failure of each of the functional components of the van (VAN) company 135, the abnormality breakdown history of the relay processing apparatus If it is set to provide to the server (100), the confirmation unit 115 may receive and confirm the abnormal occurrence history provided from the van (VAN) company 135.

On the other hand, the check unit 115, when the van (VAN) server 135 is an abnormality, due to the abnormality, the payment-related professional information and / or failed to process the van (VAN) server 135 Characterized in that the abnormal occurrence time information is further confirmed.

For example, when the verification unit 115 confirms payment related professional information that the van company server 135 did not process, the verification unit 115 transmits the checked payment related professional message to the specialized processing unit ( Transfer to 120, it can be processed through the specialized processing unit 120.

In addition, when the confirmation unit 115 confirms the occurrence time of the abnormality of the van company server 135, the van related server information 135 receives the payment related professional information received at the time when the abnormality occurs. Or check from the storage medium, and transfer the payment-related full text received at the identified abnormal time to the specialty processing unit 120 to process it through the specialty processing unit 120.

The expert processing unit 120 reads the payment related message received through the receiving unit 105 when an abnormality of the van company server 135 is confirmed through the confirmation unit 115. Check the payment approval authority (for example, a card company, etc.) included in the payment-related full text, and transmits the payment-related full text to the confirmed payment approval authority server 140.

At this time, the payment approval authority server 140 that has received the payment-related text message, the relay processing device (or server) 100 that transmits the payment-related text message corresponding to the received payment-related text message; It is desirable to send to.

The information storage unit 125, the relay processing device (or server) for the payment-related full text transmitted from the card terminal 145 provided in the at least one affiliated store due to an abnormal occurrence of the van (VAN) company 135 In case of processing (100), the payment related professional processing history may be stored in the storage medium.

According to an exemplary embodiment of the present invention, the information storage unit 125, the check unit 115 is the abnormality of the van (VAN) server 135 the payment-related full text received through the receiving unit 105 Temporarily stored in the storage medium until the time to confirm the occurrence, and if the abnormality of the van (VAN) company 135 does not occur, the temporary stored payment-related full text can be automatically deleted.

In addition, according to another exemplary embodiment of the present invention, the information storage unit 125 may back up the van (VAN) server 135 and store the payment related text received through the receiving unit 105, In this case, the backup-stored payment related full text may be deleted according to a predetermined cycle or provided to the van company server 135 at the request of the van company server 135.

2A and 2B illustrate a process of relaying a payment-related full text by assisting the VAN server 135 when an abnormality occurs in the VAN server 135 according to an exemplary embodiment of the present invention. The figure is shown.

In more detail, Figures 2a and 2b is a van (VAN) server (135) in the process of processing the payment approval request message transmitted from the card terminal 145 provided in at least one or more affiliated stores, the van ( In case that it is difficult to process the transmitted payment approval request message due to an abnormal occurrence inside and / or outside of the VAN company server 135, a predetermined relay process is substituted for (or assisted) the VAN company server 135. As a method for processing a payment approval request message transmitted from a card terminal 145 provided in the at least one or more affiliated stores in an apparatus (or server) 100, the general knowledge in the technical field to which the present invention belongs. If you have a person with reference to, and / or modified with reference to Figures 2a and 2b in the relay processing apparatus (or server) 100 shown in Figure 1 in place of (or auxiliary) the van (VAN) company server 135 Before the payment approval request Would be able to infer the various exemplary method for processing and the like, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 2a and figure 2b.

2A and 2B are shown in FIG. 1 on a payment network (eg, VAN) between a card terminal 145 and a van (VAN) company 135 provided in the at least one affiliated store. A relay processing server is provided, and the payment approval request message transmitted from the card terminal 145 is transmitted to the van company server 135 through the relay processing server. The transfer process of is not limited to that shown in FIGS. 2A and 2B (for example, the full payment approval request may be transmitted from the card terminal 145 to the van company server 135 and the relay processing server, respectively). has exist).

According to an exemplary embodiment of the present invention, FIG. 2A shows an abnormality of the van (VAN) company 135 in the relay processing apparatus (or server) 100. 2b shows whether or not an abnormality has occurred in the van company server 135 to the relay processing apparatus (or server) 100 so that the relay processing apparatus (or In the server (100), the van (VAN) company to check the occurrence of the server 135.

Referring to FIG. 2A, in the event of an abnormality of the van company server 135, a process of relaying a payment related full text by assisting the van company server 135 may be provided in at least one affiliate store. The card terminal 145 reads the payment means information from the customer card, checks the payment target amount information (200a), and generates a full payment approval request message including the read payment means information and the payment target amount information (205a). In operation 210a, the generated payment approval request message may be transmitted to the relay processing server.

The relay processing server (temporarily) stores the payment approval request text transmitted from the card terminal 145 in a predetermined storage medium, and also transmits the payment approval request text to the van company server 135. (215a).

In addition, the relay processing server checks whether the van (VAN) company 135 is abnormal in connection with the van (VAN) server 135 (220a), where the van (VAN) server 135 ) Is an internal failure of the van (VAN) server 135 (for example, a failure due to a hardware and / or software abnormality on the server) or the outside of the van (VAN) server 135. If a payment related message transmitted from the card terminal 145 is not normally received due to a failure (for example, a failure due to an external peripheral device or a power supply interruption, etc.), the payment transmitted from the card terminal 145. If it is not possible to read the relevant full text, it is characterized in that it comprises at least one or more cases in which the read payment related full text cannot be transmitted to the payment approval authority server 140.

If the van (VAN) server 135 does not occur abnormally, the process of relaying the full payment approval request through the relay processing server in accordance with the present invention is terminated, whereas the van (VAN) server When the above abnormality occurs at 135 (225a), the relay processing server replaces the van (VAN) company 135 in accordance with the abnormality of the van (VAN) server 135. Check the full text of the payment approval request subject to the relay processing to relay the full payment approval request (230a).

According to the exemplary embodiment of the present invention, the relay processing server may receive the payment related professional information that the van server server 135 cannot process due to the abnormal occurrence of the van server server 135. And / or the time of occurrence of abnormality information.

In response to the occurrence of the van (VAN) server 135, if the relay processing target payment approval request to replace the van (VAN) server 135 to process the payment approval request full text is confirmed, the relay The processing server reads the checked relay processing target payment approval request full text (235a), and confirms payment approval authority information to transmit the payment approval request full text from the payment approval request full text (240a).

Subsequently, the relay processing server transmits the payment approval request text to the confirmed payment approval institution server 140 (245a), and the payment approval response corresponding to the payment approval request text from the payment approval authority server 140. Receiving the full message (250a), and transmits the received payment approval response full text to the merchant card terminal 145 that transmitted the payment approval request full text (255a).

According to an exemplary embodiment of the present invention, in the event of an abnormality of the van company server 135 illustrated in FIG. It is preferable that the van (VAN) server 135 is performed repeatedly before the abnormality is recovered.

Meanwhile, referring to FIG. 2B, in the event of an abnormality of the van company server 135, the subsidiary of the van company server 135 may be relayed to at least one affiliate store. In the provided card terminal 145, the payment means information is read out from the customer card, and the payment target amount information is confirmed (200b), and a payment approval request message including the read payment means information and the payment target amount information is generated. In operation 205b, the process of transmitting the generated payment approval request message to the relay processing server may be started (210b).

The relay processing server (temporarily) stores the payment approval request text transmitted from the card terminal 145 in a predetermined storage medium, and also transmits the payment approval request text to the van company server 135. (215b).

At this time, when a predetermined abnormality occurs in the van company server 135 (220b), the van company server 135 records the abnormality occurred in the van company server 135. Transmission to the relay processing server (225b).

Here, the van (VAN) server 135 abnormal history transmitted from the van (VAN) server 135 to the relay processing server, the internal failure of the van (VAN) server 135 (for example, the server Faults due to hardware and / or software faults) or external faults of the van (VAN) server 135 (eg, faults caused by external peripheral faults or power supply interruptions). For this reason, when the van company server 135 does not normally receive the payment related message transmitted from the card terminal 145, it does not read the payment related message transmitted from the card terminal 145 normally. If not, at least one or more cases in which the read payment-related full text cannot be transmitted to the corresponding payment approval institution server 140.

The van company server 135 abnormality history transmitted from the van company server 135 to the relay processing server is generated when the van company server 135 has an abnormality. Due to this, the van (VAN) server 135 may further include payment-related professional information and / or abnormal occurrence time information that could not be processed.

When the above-described abnormality occurs in the van company server 135, and the relay processing server receives the van company server 135 error history from the van company server 135, In response to the received van (VAN) server 135 or more of the details of the van (VAN) company 135 to replace the payment approval request request to confirm the relay processing target payment approval request text to relay the full text (230b) ).

According to the method of the present invention, the relay processing server is more than the van (VAN) server 135 provided by the van (VAN) company 135 when the van (VAN) server 135 is abnormal Payment details and / or abnormal occurrence time information which the van company server 135 did not process may be checked from the details.

In response to the occurrence of the van (VAN) server 135, if the relay processing target payment approval request to replace the van (VAN) server 135 to process the payment approval request full text is confirmed, the relay The processing server reads the verified relay processing target payment approval request full text (235b), and confirms payment approval authority information to transmit the payment approval request full text from the payment approval request full text (240b).

Subsequently, the relay processing server transmits the payment approval request text to the confirmed payment approval institution server 140 (245b), and the payment approval response corresponding to the payment approval request text from the payment approval authority server 140. Receiving the full text (250b), and transmits the received payment approval response full text to the merchant card terminal 145 that transmitted the payment approval request text (255b).

According to an exemplary embodiment of the present invention, in the event of an abnormality of the van company server 135 illustrated in FIG. 2b, the subsidiary of the van company server 135 may be used to relay a payment related full text. It is preferable that the van (VAN) server 135 is performed repeatedly before the abnormality is recovered.

3 is a diagram illustrating a system configuration for relaying payment-related full texts by assisting the van company server 135 when a van company server 135 abnormally occurs according to another exemplary embodiment of the present invention. One drawing.

In more detail, in FIG. 3, in the process of requesting the payment approval by transmitting a predetermined payment approval request text from the card terminal 145 provided in at least one or more affiliate stores to the van company server 135, If it is difficult to process the transmitted payment approval request message due to an abnormal occurrence inside and / or outside of the van company server 135, on behalf of (or auxiliary) the van company server 135, In connection with the card terminal 145 provided in the affiliated store, as a method for implementing a relay processing system for processing the full payment approval request sent to the van (VAN) company 135, the present invention Those skilled in the art may refer to and / or modify this drawing 3 to replace (or assist) the van company server 135, provided at the affiliated store, and the van company server. Full payment approval request sent to (135), etc. Would be able to infer a variety of exemplary methods for the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 3.

Referring to FIG. 3, the illustrated relay processing system includes a card terminal 145 provided in at least one affiliated store that transmits a payment related message, and the card terminal 145 or the van provided in the affiliated store. In connection with the company server 135, check whether or not the van (VAN) company 135 is abnormal, and when the van (VAN) server 135 occurs, the van (VAN) server 135 ) (Or a server) that processes (eg, a payment approval request text or a payment approval cancellation text) transmitted by the card terminal 145 on behalf of (or assisted). 100 and at least one full payment related message transmitted by the card terminal 145 or generated by the card terminal 145 in case of an abnormality of the van company server 135, the relay processing apparatus (or server) 100. Including the payment approval agency server 140 provided from) Gong.

According to the exemplary embodiment of the present invention, the card terminal 145 generates a payment related message to be transmitted to the van company server 135, and generates the generated payment related message in the van company server ( In the process of transmitting to 135, the transmission to the relay processing device (or server) 100 in conjunction with the card terminal 145, or through the relay processing device (or server) 100 through the van (VAN) It is preferable to be transmitted to the yarn server 135, but is not limited thereto.

According to the implementation method of the present invention, the relay processing apparatus (or server) 100 is characterized in that the card terminal 145 is provided in the affiliated store is provided, the card-related transmission of the terminal 145 When the relay processing apparatus (or server) 100 is transmitted to a van (VAN) company server 135 on the network, the relay processing apparatus (or server) 100 is predetermined with the card terminal 145. Connected via a communication means (eg, a network communication means or a cable communication means), the van (VAN) company 135 and a VAN, and are connected to the payment approval institution server 140 and a payment network. It is preferable to be.

In addition, according to another embodiment, the relay processing apparatus (or server) 100 is connected to the card terminal 145 through a predetermined communication means (for example, network communication means or cable communication means, etc.), and the van (VAN) It is preferable that the server 135 is connected through a predetermined network means, and the payment approval institution server 140 is connected to a payment network.

Referring to FIG. 3 according to the embodiment of the present invention, the relay processing apparatus (or server) 100 is the relay processing apparatus (or server) 100 when an abnormality of the van company server 135 occurs. It is characterized in that it comprises a predetermined storage medium for storing the payment-related professional processing history processed through) or in conjunction with the storage medium (or storage medium operating means).

Referring to FIG. 3, the relay processing apparatus (or server) 100 is provided in at least one affiliate store, and includes at least one full payment related message (eg, a payment approval request) from a card terminal 145 provided at the affiliate store. Full-text, payment approval cancellation, etc.) and the receiving unit 105, the van (VAN) server 135 or in conjunction with the card terminal 145, the van (VAN) server 135 abnormality The check unit 115 to check whether the van (VAN) company 135 abnormal occurrence by periodically checking whether or not the occurrence, and when the abnormality of the van (VAN) company 135 is confirmed, the card terminal ( It is characterized in that it comprises a specialized processing unit 120 for transmitting the payment-related full text received from 145 to the payment approval authority server 140.

In addition, according to the implementation method of the present invention, the relay processing apparatus (or server) 100, the payment-related response full text corresponding to the payment-related full text transmitted to the payment approval authority server 140, the payment approval authority server When received from 140, the payment related response may be configured to further include a transmission unit 110 for providing the full message to the merchant card terminal 145.

In addition, according to the method of the present invention, the relay processing apparatus (or server) 100, the card terminal 145 provided in the at least one or more merchants due to an abnormal occurrence of the van (VAN) server 135. When the payment-related full text provided by the relay processing apparatus (or server) 100 processes, the information storage unit 125 for storing the payment-related full text processing history in the storage medium may be configured to further include. .

The receiving unit 105 receives at least one full payment related message transmitted from the card terminal 145 through the affiliated card terminal 145 and a predetermined communication means (for example, network communication means or cable communication means, etc.). The received payment-related full text is transmitted to the professional processing unit 120 according to whether or not the van (VAN) server 135 is abnormal (for example, the van (VAN) server 135). Of abnormalities), or transmitted to the information storage unit 125 (e.g. during the normal operation of the van (VAN) company server 135), or automatically (periodically) deleted (e.g., VAN company) In normal operation of the server 135).

The verification unit 115 provides a van (VAN) company server 135 (for example, providing the card terminal 145 to a merchant or processing the payment related message transmitted from the card terminal 145 to the merchant). And a server (VAN) that manages the provided card terminal 145 to process the payment-related full text), and checks whether there is an abnormality of the server (VAN) server 135. .

* According to the method of the present invention, an abnormality of the van company server 135 is caused by an internal failure of the van company server 135 (eg, hardware and / or software abnormality on the server). Due to a failure), or an external failure of the van (VAN) company 135 (eg, an external peripheral device or power supply interruption or communication failure between the card terminal 145 and the van (VAN) server 135). Due to a failure, etc.), when the payment related message transmitted from the card terminal 145 is not normally received, when the payment related message transmitted from the card terminal 145 is not normally read, the read Characterized in that it includes at least one or more cases that the payment related to the full text to the payment approval authority server 140.

According to the method of the present invention, the verification unit 115 periodically monitors the operation state of each functional configuration unit (not shown) of the van (VAN) company 135, the van (VAN) The company server 135 may determine whether or not an error occurs.

In addition, according to another embodiment of the present invention, when the van (VAN) company 135, the failure of each of the functional components of the van (VAN) company 135, the abnormality breakdown history of the relay processing apparatus If it is set to provide to the server (100), the check unit 115 by receiving the abnormal occurrence history provided from the van (VAN) company 135 (VAN) server ( The occurrence of abnormality in 135) can be confirmed.

In addition, according to another embodiment of the present invention, due to the abnormal occurrence of the van (VAN) server 135, the payment-related full text from the card terminal 145 to the van (VAN) server 135 If it does not transmit normally, the verification unit 115 receives the information on the occurrence of the abnormality of the van (VAN) server 135 from the card terminal 145 by the van (VAN) server 135 The occurrence of abnormality can be confirmed.

On the other hand, the verification unit 115, the van (VAN) company due to the abnormal occurrence of the van (VAN) server 135 from the van (VAN) server 135 or the card terminal 145, It is characterized in that the server 135 further checks the payment related professional information and / or abnormal occurrence time information that can not be processed or transmitted from the card terminal 145 to the van (VAN) server 135. .

For example, when the verification unit 115 checks the payment related professional information that the van (VAN) company 135 does not process in conjunction with the van (VAN) server 135, the verification unit ( 115 may transmit the confirmed payment related text to the specialty processor 120 to process it through the specialty processor 120.

In addition, when the check unit 115 checks an abnormal occurrence time of the van (VAN) company 135 in cooperation with the van (VAN) company 135, it is received at the time when the abnormality occurs The payment related professional information is checked from the van company server 135 or the storage medium, and the payment related full text received at the identified abnormal time is transferred to the professional processing unit 120, and the professional processing unit ( 120).

In addition, when the verification unit 115 checks the payment related professional information that is not transmitted to the van (VAN) company server 135 in conjunction with the card terminal 145, the verification unit 115 is the Confirmed payment-related full text may be delivered to the specialized processor 120.

In addition, the check unit 115 in conjunction with the card terminal 145, the time for the payment-related full text that is not transmitted to the van (VAN) company 135 (for example, van (VAN) company server 135 ) When the abnormality occurrence time), the verification unit 115 checks the payment related professional information received at the time when the abnormality occurred from the van company server 135 or the storage medium, The payment-related full text received at the confirmed abnormal occurrence time may be delivered to the specialty processing unit 120 to be processed through the specialty processing unit 120.

The expert processing unit 120 reads the payment related message received through the receiving unit 105 when an abnormality of the van company server 135 is confirmed through the confirmation unit 115. Check the payment approval authority (for example, a card company, etc.) included in the payment-related full text, and transmits the payment-related full text to the confirmed payment approval authority server 140.

At this time, the payment approval authority server 140 that has received the payment-related text message, the relay processing device (or server) 100 that transmits the payment-related text message corresponding to the received payment-related text message; It is desirable to send to.

The information storage unit 125, the relay processing device (or server) (100) for the payment-related full text transmitted from the card terminal 145 provided in the affiliated store due to an abnormal occurrence of the van (VAN) company 135 In the case of), the payment-related specialty processing history is stored in the storage medium.

According to an embodiment of the present invention, the information storage unit 125, the check unit 115 of the full-term payment related information received through the receiving unit 105 of the van (VAN) server 135 Temporarily stored in the storage medium until the time to check whether the abnormality occurs, and if the abnormality of the van (VAN) server 135 does not occur, the temporary stored payment-related full text can be automatically deleted.

In addition, according to another exemplary embodiment of the present invention, the information storage unit 125 may back up the van (VAN) server 135 and store the payment related text received through the receiving unit 105, In this case, the backup-stored payment related full text may be deleted according to a predetermined cycle or provided to the van company server 135 at the request of the van company server 135.

4 is a diagram illustrating a functional configuration of a card terminal 145 interworking with the relay processing apparatus (or server) 100 according to one embodiment of the present invention.

In more detail, FIG. 4 shows the inside of the van company server 135 in the process of requesting the payment approval by transmitting the generated predetermined payment approval request message to the van company server 135. And / or if it is difficult to normally process the payment approval request text that is transmitted due to an external abnormality, or if it is difficult to normally transmit the payment approval request text, on behalf of (or auxiliary) the van company server 135 In order to relay the payment approval request message through the relay processing device (or server) 100 provided in the affiliated store, the payment approval request message is transmitted to the relay processing device (or server) 100. As an implementation method for the functional configuration of the card terminal 145 provided in the affiliated store, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 4 and the van (VAN). When an abnormality of the company server 135 occurs, the merchant (VAN) server (135) on behalf of (or subsidiary), to the merchant to process the full payment approval request in the relay processing device (or server) (100). It is possible to infer various implementation methods of the card terminal 145 that is provided and interlocks with the relay processing apparatus (or server) 100, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implemented method.

Referring to FIG. 4, the card terminal 145 interworking with the relay processing apparatus (or server) 100 shown in FIG. 3 basically includes a control unit 405, a memory unit 440, and a card reader unit 410. And a key input unit 420, a screen output unit 415, a communication unit 430, a print output unit 445, and a power supply unit 425 for supplying power to the card terminal 145. At least one terminal function unit 435 (not shown in detail) or the like according to the intention is made.

The control unit 405 controls the overall operation of the card terminal 145 in the functional configuration, manages the flow of information or data between each component, generates a predetermined payment approval request full text, the generated payment approval request The card terminal 145 to transmit the full text to the relay processing apparatus (or server) 100 interworking with the card terminal 145 in preparation for an abnormal occurrence of the van company server 135. Characterized in that interlocking and controlling at least one component provided in the hardware, the CPU (Central Processing Unit), Read Only Memory (ROM), Random Access Memory (RAM), and System Bus (System Bus) And a predetermined program routine which is loaded into the execution memory from a predetermined recording medium to perform a function specific to the card terminal 145 by software and is arithmetic processed by the processor. And / or program data (eg, generate a predetermined payment approval request text, and prepare the generated payment approval request text in preparation for an abnormal occurrence of the van company server 135, the card terminal 145 A predetermined program recorded on a recording medium provided in the card terminal 145, and / or a function provided in the card terminal 145 for transmission to the relay processing apparatus (or server) 100 interworking with In the configuration, the components that can be processed by software are shown in the control unit 405).

According to the exemplary embodiment of the present invention, the control unit 405 outputs the components (for example, the memory unit 440, the card reader unit 410, the key input unit 420, and a screen) provided in the card terminal 145. Unit 415, communication unit 430, print output unit 445, and the like, and / or terminal function unit 435 (not shown in detail) according to the intention of a person skilled in the art) is connected to the card terminal 145. In addition to controlling and managing providing a defined electronic payment service, in preparation for the occurrence of an abnormality of the van (VAN) server 135, the generated payment approval request message according to the present invention, the card terminal 145 And payment means (eg, read out from a predetermined card) to control the components provided in the card terminal 145 to be transmitted to the relay processing apparatus (or server) 100 interworking with each other, and / or , Credit or debit card, etc.) For a predetermined financial transaction it is preferable to run the program to be recorded in a recording medium provided in the card terminal 145.

The memory unit 440 may be a predetermined program routine (or code) and / or program data (eg, a program) for controlling the overall operation of the card terminal 145 in cooperation with the relay processing apparatus (or server) 100. General term for non-volatile memory for storing information or data input and output when an operation by a routine (or code) is performed. Hardwareally EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM). And / or at least one storage means including a hard disk drive (HDD), and predetermined program routines and program data (eg, programs) required for the control unit 405 to perform a predetermined control function. Data input or output for the routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 440 relays the generated payment approval request text in conjunction with the card terminal 145 in preparation for an abnormal occurrence of the van company server 135. At least one relay processing device (or server) 100 interworking information (e.g., relay processing device (or server) 100) network information required for transmission to the processing device (or server) 100, relay processing device (Or server) 100 specification information, etc.) and at least one or more information (eg, the card terminal 145 address information and / or the card terminal 145 ID information and / or the card required for the financial transaction processing). Terminal 145 manager (or operator) information, etc.) is preferably stored.

In general, in order to generate the full payment approval request message in the card terminal 145, a card that reads predetermined payment means information is ISO / IEC 7816 for predetermined financial transaction processing with the card terminal 145. It characterized in that it comprises a contact IC card (or wireless IC chip) based on the standard, and at least one or more contactless IC card based on the ISO / IEC 14443 standard, for this purpose, the card of the card terminal 145 The reader 410 may provide an interface for reading at least one or more information or data included in the customer card.

The card reader unit 410 stores at least one predetermined card information (for example, credit card or check card or debit card or cash card or financial account) from the card for the electronic payment service defined in the card terminal 145. It is preferable to read the payment means information corresponding to the payment means including).

In addition, the card reader 410 may include a contact IC reader that provides an interface between the contact IC card and the card terminal 145.

The contact IC reader unit is a card reader unit 410 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) The card terminal 145 is characterized in that the interface.

In addition, the card terminal 145, based on ISO / IEC 14443 for the transaction with the contactless IC card, using a contactless IC card and contactless by using capacitive coupling and / or Inductive Coupling, etc. It comprises at least one antenna that makes an electrical contact, the power supply to the IC chip of the IC card through the antenna, predetermined from the IC chip through the half-duplex transaction using the APDU It may further comprise a non-contact IC reader unit for interfacing information or data of the card terminal 145.

In addition, according to the embodiment of the present invention, the card terminal 145 may be configured to further include an MS reader unit for performing a transaction with the MS-type card, the MS reader unit based on ISO / IEC 7810 As the card reader 410, an MS card including at least one magnetic head including a predetermined coil and having predetermined information (for example, magnetized binary data) recorded therein When the magnetic head 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 loaded into the magnetic head, and the MS of the MS card is loaded. Interfacing predetermined information or data to the card terminal 145 from at least one track provided in the.

The key input unit 420 is provided with at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) inputted 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 card terminal 145 controlled by the controller 405. When predetermined information (or signal) is input from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 405.

Here, the control unit 405 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the card terminal 145, and / or is defined to match the key event. And a key input device provided in the card terminal 145 in cooperation with the key input unit 420 and the key input device including at least one key button. Perform the function.

For example, a key input device interworking with the key input unit 420 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or A keyboard device having a Hangul text key) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key and a text key and a function key It is preferable to include at least one or more provided touch screen device.

The key input unit 420 receives a key data (eg, payment amount) corresponding to the electronic payment service from at least one key input device for a predetermined electronic payment service defined in the card terminal 145. It is preferable to perform the function of the input means.

The screen output unit 415 may control the control unit 405 while the card terminal 145 performs a predetermined function (eg, an electronic payment processing function and a relay processing device (or server) 100 interworking function, etc.). At least one information or data that is predefined or is defined in real time to be output to a predetermined display device including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by means of a predefined interface screen. And the screen output unit 415 and the screen output device interoperate with each other to perform a function of the screen output means provided in the card terminal 145.

Predefined information or data to be output from the card terminal 145 to the screen output device may include key data input through the key input unit 420 and / or components provided in the card terminal 145. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication unit 430, and / or (or data) corresponding to a predetermined operation result performed by the card terminal 145. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 415 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 card terminal 145 It is preferable to perform the function of the output means.

The communication unit 430 performs a process in which the card terminal 145 performs a predetermined function (eg, a function of transmitting an electronic payment processing function and a full text of a payment approval request to the relay processing apparatus (or server) 100, etc.). Server (e.g., a VAN server 135 or a relay processing device (or server) 100, etc.) and / or the card terminal that are connected through a payment network (e.g., a value added network (VAN)). A terminal (or device) connected to the 145 through a predetermined cable (eg, a relay processing device (or server) 100 and / or a terminal connected to the card terminal 145 through predetermined short-range wireless communication ( Or a device) (eg, a relay processing device (or server) 100) and a predetermined communication means for connecting a communication session, and a server (for example, a van (VAN) company server (wireless or wireless network) on a wired or wireless network). 135) and a relay communication device (or server) 100, etc.) Cable for connecting a communication session with a predetermined terminal (or apparatus) (eg, relay processing apparatus (or server) 100) through a network communication unit 430 for connecting a null, and / or a predetermined cable communication port. For connecting a predetermined communication session with a predetermined short range communication terminal (or device) device (eg, a relay processing device (or server) 100) through the communication unit 430 and / or at least one or more short range wireless communication means. It includes a short-range wireless communication unit 430, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) by software.

The network communication unit 430 may be a predetermined wired network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Or connecting a communication channel with a server (eg, VAN server 135 and a relay processing apparatus (or server) 100, etc.) on a wired or wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network. It comprises a modem or a Network Interface Card (NIC) for connecting the card terminal 145 to a predetermined wired or wireless network in hardware, the card terminal 145 in software ) And a communication protocol and / or driver for connecting the wired and wireless network.

The cable communication unit 430 connects a cable with a predetermined terminal (or device) (eg, relay processing apparatus (or server) 100) through predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)). Characterized in that the communication session is connected, comprising a predetermined cable communication port to which the cable is connected in hardware, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit 430 includes at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), and USB (Universal Serial Bus). It is characterized by connecting a predetermined terminal (or device) (eg, the relay processing apparatus (or server) 100) and the short-range wireless communication session through at least one or more short-range wireless communication means including the above, It includes a predetermined short range wireless communication module for short range wireless communication including the infrared communication, RF communication, Bluetooth, WLAN, Wi-Fi, UWB, and the communication protocol and / or driver for the short range wireless communication by software. It is made, including.

The print output unit 445 may process the card terminal 145 to perform a predetermined function (e.g., an electronic payment processing function, etc.) and / or predetermined information or data (e.g., credit card approval) generated as a result. Outputting the result information or data) to a predetermined printing device 450 (for example, a receipt printing machine), and printing the printing information or data according to a predefined printing form. It is preferred to include a print protocol and a driver for printing via.

The card terminal 145 may further include a terminal function unit 435 (eg, a security application module, etc.) that performs a specific function. The secure application module (SAM) may include the card. Confidentiality and / or Authentication and / or Integrity and / or Nonrepudiation required by the terminal 145 to perform electronic payment and / or electronic payment using the card. As a safety device for performing a security requirement including a secure and reliable structure within the card terminal 145 without using a certificate server (or payment server, etc.) on the payment network, the card terminal 145 Encrypting or decrypting a predetermined message (information or data) processed in the course of performing this predetermined security request function (e.g., electronic payment and / or electronic payment function) It adds an authenticator that prevents forgery (or tampering) of the fingerprint, or stores important information in the process of performing the security request function.

In general, the security application module may be composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8-bit CPU or more has a performance of 2 MIPS (Million Instructions Per Second) or more An Application Specific Integrated Circuit (ASIC) chip (eg, a PLCC 44-pin chip) and / or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)).

In addition, the security application module is at least one or more security application data (eg, at least one or more identifier, version, expiration date, issue date, code value, etc.) required for the card terminal 145 to perform a predetermined security request function and / / Or a key (e.g., one master key and at least one application key) and / or a protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocols, mode switch protocols, key download protocols, SAM revocation protocols) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / restart) Processing / cancellation command).

According to the embodiment of the present invention, a predetermined payment approval request is performed using a payment means (for example, a credit card, a check card, a debit card, etc.) provided in the customer card in the illustrated card terminal 145. The card terminal for generating and transmitting the generated payment approval request telegram to the relay processing apparatus (or server) 100 that interworks with the card terminal 145 when an abnormality occurs in the van company server 135. At least one functional component that performs the function of 145 is illustrated as being provided in the controller 405.

Referring to FIG. 4, basically, the controller 405 includes a payment approval request including payment means information read through the card reader unit 410 and payment amount information input through the key input unit 420. A professional transmission unit 445 for generating a message and transmitting the message to a server on the network (for example, a VAN company server 135, etc.), and a payment approval response message corresponding to the payment approval request message is received from the server. And, when the received payment approval response message is read, the specialty processing unit 465 is configured to perform the payment processing according to the reading result. In particular, according to the embodiment of the present invention, the control unit 405 The information transmission unit 460 for transmitting the generated payment approval request message to the relay processing device (or server) 100 that interworks with the card terminal 145, and the van company server 135. Check the information to see if something went wrong It can be configured to further include a 470.

The full text transmission unit 455 may include a full text including payment means information read through the card reader 410 and payment amount information input through a predetermined key input means provided in the card terminal 145. By configuring, it is characterized in that for transmitting to a server (for example, payment server) on the network through the communication unit 430.

When the specialized processing unit 465 receives a payment approval response message corresponding to the payment approval request message from the server, the specialized processing unit 465 reads the received payment approval response message. If it is included, the payment processing for the payment amount is normally performed. On the other hand, if the approval approval details are included in the full text of the payment approval response, the screen output unit 415 displays the payment processing rejection (or error) details. To output it.

The information transmitting unit 460 is characterized in that for transmitting the generated payment approval request full text to the relay processing device (or server) 100 in conjunction with the card terminal 145, in the method of the present invention According to the above, the information transmitter 460 transmits the full text of the payment approval request generated by the card terminal 145 to the van company server 135 at the same time. The entire request for approval is transmitted to the relay processing apparatus (or server) 100 interworking with the card terminal 145.

The information verification unit 470, in the process of transmitting the generated payment approval request full text to the van (VAN) server 135, the van (VAN) server 135 When the payment approval request message is not normally transmitted due to an abnormality, the card terminal 145 checks the abnormality of the van (VAN) company 135 (for example, impossible to transmit the payment approval request message). And it is characterized in that it is provided to the relay processing device (or server) 100 in conjunction with.

The print output unit 445, in the process of the card terminal 145 performs the payment processing (for example, credit card payment, check card payment, debit card payment, etc.), a slip containing the payment processing details It is characterized in that the output to the card terminal 145 or via the printing device 450 to interlock.

5A and 5B illustrate a process of relaying payment-related full texts by assisting the VAN server 135 when an error occurs in the VAN server 135 according to another embodiment of the present invention. Figure is shown.

In more detail, Figures 5a and 5b is in the process of transmitting a predetermined payment approval request full text from the card terminal 145 provided to a predetermined merchant to the van (VAN) company 135, or the van (VAN) In the process of processing the payment approval request message transmitted from the card terminal 145 provided in the affiliated store in the company server 135, the van (VAN) server (135) in the transmission of the abnormal occurrence of the internal and / or external If it is difficult to process the full payment approval request, a predetermined relay processing device (or server) that is provided in the affiliated store provided with the card terminal 145 and replaces (or assists) the van company server 135. As an implementation method for the process of processing the payment approval request text provided from the card terminal 145 at 100, a person having ordinary knowledge in the technical field to which the present invention pertains will refer to the drawings 5a and 5b. And / or modified in FIG. Various implementation methods for processing the full payment approval request, etc. in place of (or subsidiary) the van (VAN) server 135 in the relay processing device (or server) 100 located in the predetermined predetermined merchant store It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

5A and 5B, the relay processing apparatus (or server) 100 illustrated in FIG. 3 is provided at an affiliated store where the card terminal 145 is provided, and the relay processing apparatus (or server) ( 100 may be connected to the van (VAN) server 135 via a VAN or through a predetermined network means (for example, the payment approval request message transmitted from the card terminal 145 is a relay processing device ( Alternatively, when the server 100 is transmitted to the van company server 135, the relay processing apparatus (or server) 100 may be connected to the van company server 135 through the VAN. has exist).

In addition, the relay processing apparatus (or server) 100 transmits a function of the van (VAN) company 135 (for example, from the card terminal 145) when an abnormality of the van (VAN) company 135 occurs. In order to receive and read the payment approval request message, which is transmitted to the payment approval institution server 140, etc.), it is preferable that the payment approval authority server 140 is connected through a predetermined payment network. .

According to the implementation method of the present invention, the payment approval request delivery process is not limited to that shown in FIGS. 5A and 5B (for example, the payment approval request message from the card terminal 145 is a van company). To the server 135 and the relay server, respectively).

According to the exemplary embodiment of the present invention, FIG. 5A illustrates whether the van server server 135 is located at the relay processing apparatus (or server) 100 provided at the affiliate store. Check whether or not the abnormality of the 135 periodically checks, and Figure 5b is a repeater processing apparatus provided in the affiliated store whether or not the abnormality occurs in the van (VAN) server 135 (or card terminal 145) (Or the server) 100 to check the occurrence of the abnormal (VAN) server 135 in the relay processing apparatus (or server) 100.

Referring to FIG. 5A, in the event of an abnormality of the van company server 135, a process of relaying a payment related full text by assisting the van company server 135 may be provided in at least one affiliate store. The card terminal 145 reads the payment means information from the customer card, checks the payment target amount information (500a), generates a full payment approval request message including the read payment means information and the payment target amount information (505a). In operation 510a, the generated payment approval request message may be provided to a relay processing server provided at the affiliate store.

The relay processing server provided in the affiliate store stores (temporarily) the payment approval request text provided from the card terminal 145 in a predetermined storage medium, and further stores the payment approval request text in the van company server 135. 515a.

In addition, the relay processing server checks whether the van (VAN) server 135 is abnormal in connection with the van (VAN) server 135 (520a), where the van (VAN) server 135 ) Is an internal failure of the van (VAN) server 135 (for example, a failure due to a hardware and / or software abnormality on the server) or the outside of the van (VAN) server 135. If a payment related message transmitted from the card terminal 145 is not normally received due to a failure (for example, a failure due to an external peripheral device or a power supply interruption, etc.), the payment transmitted from the card terminal 145. If it is not possible to read the relevant full text, it is characterized in that it comprises at least one or more cases in which the read payment related full text cannot be transmitted to the payment approval authority server 140.

If the van (VAN) server 135 does not occur abnormally, the process of relaying the full payment approval request through the relay processing server in accordance with the present invention is terminated, whereas the van (VAN) server When the above abnormality occurs at 135 (525a), the relay processing server replaces the van (VAN) company 135 in accordance with an abnormal occurrence of the van (VAN) company 135. In operation 530a, the payment approval request object for the relay process to be relayed for the full payment approval request is checked.

According to the exemplary embodiment of the present invention, the relay processing server may receive the payment related professional information that the van server server 135 cannot process due to the abnormal occurrence of the van server server 135. And / or the time of occurrence of abnormality information.

In response to the occurrence of the van (VAN) server 135, if the relay processing target payment approval request to replace the van (VAN) server 135 to process the payment approval request full text is confirmed, the relay The processing server reads the checked relay processing target payment approval request text (535a), and confirms payment approval authority information to transmit the payment approval request text from the payment approval request text (540a).

Subsequently, the relay processing server transmits the full text of the payment approval request to the checked payment approval institution server 140 through a predetermined payment network (545a), and the payment approval request text from the payment approval authority server 140 is completed. Receive a payment approval response message corresponding to (550a), and provides the received payment approval response message to the card terminal 145 (555a).

According to an exemplary embodiment of the present invention, in the event of an abnormality of the van company server 135 illustrated in FIG. 5a, the process of relaying the payment related full text to the van company server 135 may be performed. It is preferable that the van (VAN) server 135 is performed repeatedly before the abnormality is recovered.

Meanwhile, referring to FIG. 5B, when an abnormality occurs in the van company server 135, the van processing unit (or server) 100 provided in the affiliated store assists the van company server 135. In the process of relaying the payment related full text, the payment means information is read from the customer card in the card terminal 145 provided in the affiliated store, and the payment target amount information is checked (500b), and the read payment means information and payment The payment approval request message including the target price information may be generated (505b), and the generated payment approval request message may be started from providing the relay processing server (510b).

The relay processing server (temporarily) stores the payment approval request text transmitted from the card terminal 145 in a predetermined storage medium, and also transmits the payment approval request text to the van company server 135. (515b).

At this time, when a predetermined abnormality occurs in the van company server 135 (520b), the van company server 135 records the abnormality occurred in the van company server 135. It transmits to the relay processing server (525b) (for example, the card terminal 145 transmits the generated payment approval request telegram through the relay processing apparatus (or server) 100 to the van company server 135). ), If the van (VAN) server (135) whether the abnormality occurs (for example, when the payment approval request full message is not received, etc.) relay processing apparatus (or server) provided in the merchant Can be provided as 100).

Here, the van (VAN) server 135 abnormal history transmitted from the van (VAN) server 135 to the relay processing server, the internal failure of the van (VAN) server 135 (for example, the server Faults due to hardware and / or software faults) or external faults of the van (VAN) server 135 (eg, faults caused by external peripheral faults or power supply interruptions). For this reason, when the van company server 135 does not normally receive the payment related message transmitted from the card terminal 145, it does not read the payment related message transmitted from the card terminal 145 normally. If not, at least one or more cases in which the read payment-related full text is not transmitted to the payment approval agency server 140.

The van company server 135 abnormality history transmitted from the van company server 135 to the relay processing server is generated when the van company server 135 has an abnormality. Due to this, the van (VAN) server 135 may further include payment-related professional information and / or abnormal occurrence time information that could not be processed.

When the above-described abnormality occurs in the van company server 135, and the relay processing server receives the van company server 135 error history from the van company server 135, Subsequently, the van (VAN) server 135 checks the full text of the relay processing target payment approval request to replace the van (VAN) server 135 from the received details of the received van (VAN) server (135). ).

According to the method of the present invention, the relay processing server is more than the van (VAN) server 135 provided by the van (VAN) company 135 when the van (VAN) server 135 is abnormal Payment details and / or abnormal occurrence time information which the van company server 135 did not process may be checked from the details.

In response to the occurrence of the van (VAN) server 135, if the relay processing target payment approval request to replace the van (VAN) server 135 to process the payment approval request full text is confirmed, the relay The processing server reads the checked relay processing target payment approval request text (535b), and confirms payment approval authority information to transmit the payment approval request text from the payment approval request text (540b).

Subsequently, the relay processing server transmits the payment approval request text to the confirmed payment approval institution server 140 (545b), and the payment approval response corresponding to the payment approval request text from the payment approval authority server 140. Receiving the full text (550b), and provides the received payment approval response full text to the card terminal 145 (555b).

According to an exemplary embodiment of the present invention, in the event of an abnormality of the van company server 135 illustrated in FIG. 5b, the process of relaying the payment-related full text is assisted by the van company server 135. It is preferable that the van (VAN) server 135 is performed repeatedly before the abnormality is recovered.

According to the present invention, when a predetermined abnormality occurs in a van company server, by providing a payment-related auxiliary relay processing device in place of the van company server, the van server server abnormality Regardless of whether it occurs, there is an advantage that the transaction between the payment terminal device and / or payment server can be performed smoothly.

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Claims (2)

A card terminal generating and transmitting a full payment approval request; A van company server which reads the payment approval request text and confirms the payment approval request target payment approval institution, and transmits the payment approval request relay to the identified payment approval request target payment approval institution to process the payment; The van (VAN) server periodically monitors and checks whether the van (VAN) server is abnormal, and if the payment approval request message is received from the card terminal, the van at the time of receiving the payment approval request message ( If there is no abnormality in the VAN) server, the payment approval request message is transmitted to the van company server so that the payment corresponding to the payment approval request message is processed through the van server, and the payment is made. If there is an error in the server (VAN) company at the time of receiving the approval request message, the payment approval request message is directly read to check the payment approval authority for payment approval request, and the payment approval authority for payment confirmation request is confirmed. And a relay processing device for transmitting the full text of the payment approval request. According to claim 1, The relay processing apparatus, When there is an error in the van company server at the time of receiving the payment approval request message, the payment related professional processing system, characterized in that the payment approval request target payment approval institution is recognized as a virtual van (VAN) server. .

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