KR100517639B1 - Multi-settlement processing device of a membership shop and system for processing a multi-settlement and method of the same - Google Patents

Abstract

The present invention relates to a multi-payment merchant terminal device, a multi-payment processing system using the terminal, and a method thereof, and a terminal device for a multi-payment processing provided to a merchant, a consumer, a card company, an investment company, a payment bank, and a card authentication company. Its purpose is to provide a multi-payment merchant terminal device for multi-payment processing, a multi-payment processing system using the terminal, and a method for performing a variety of payments and prepay payment processing for future sales to the merchant. .

Application of the present invention has the advantage that merchants can freely circulate cash by immediately receiving payment for the currently confirmed sales payment or by making a prepayment application for future sales estimates. This can be done very easily. In addition, since the merchant owner can select the number of daily sales prepayment, it is very convenient, and also, the sales through points and gift certificates can be prepaid. Regardless of the card company, affiliates can carry out interest-free installment events by themselves, automatically manage customer information for each affiliate, and can conveniently apply for simultaneous payment of utility bills and automatic payment of salaries through affiliated terminal devices. This is very useful.

Description

MULTI-SETTLEMENT PROCESSING DEVICE OF A MEMBERSHIP SHOP AND SYSTEM FOR PROCESSING A MULTI-SETTLEMENT AND METHOD OF THE SAME}

The present invention relates to a multi-payment merchant terminal device, a multi-payment processing system using the terminal, and a method thereof, and more specifically, to a multi-payment process in which a consumer, a merchant, a card company, an investment company, a payment bank, and a card authentication company are provided at a merchant. The present invention relates to a multi-payment processing merchant terminal device for performing various payments, and to prepay payment processing for future sales for the merchants, and a multi-payment processing system using the terminal, and a method thereof.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

In light of these circumstances, Applicant will provide more efficient use of credit cards and various events through such credit cards to maximize the merchant's sales, fulfill the sound tax obligations of credit card users, and provide credit card users with credit. In order to give a credit for the use of the card, on January 07, 2002, the name of the invention: a patent application for a lottery ticket release system using a merchant terminal and a processing method thereof was filed.

Looking at the above-mentioned patent application, the gist of the patent is linked to the credit card payment server to purchase a lottery ticket through the merchant terminal at the time of credit card purchases or cash purchases, and the personal information registered in advance to the credit card company The information can be automatically registered on the server, the lottery purchase information is included in the card sales slip, and the buyer can receive the lottery number automatically by random number processing from the server side. Fill in all or part numbers manually and get the rest of the numbers automatically to get the lottery ticket.

In addition, if the buyer registers the strategy number on the server in advance, and purchases the lottery ticket, the corresponding lottery strategy number is automatically provided to the buyer by combining the lottery strategy number on the server. It is possible to provide lottery tickets, integrated management of multiple credit card companies in a single lottery ticket release server to purchase lottery tickets for payment of goods / services using various credit cards, and based on the number of offline lotteries registered in advance. As a result, buyers can selectively purchase offline lotteries.

In addition, the applicant of the present invention filed on January 18, 2002 about the title of the invention: the division number of the lottery number and the online lottery release system capable of processing the same, and a processing method thereof.

The gist of the above patent allows the merchant to separately purchase the online lottery number, thereby increasing the relative chance of winning, processing the partial payment for the winnings, and providing the reserve for the purchase of the prize. By dividing the number into individual numbers, it leads to buyer satisfaction, reduces the burden on reserve providers to activate online lottery sales, and provides online advertisements by splitting the online lottery numbers in exchange for watching various advertisements or reading. It was to make it possible to activate it, and to sell separately the registered lottery tickets sold offline, and to pay the prizes in installments.

In addition, another aspect of the patent was to enable the online lottery to be purchased in real time through various online lottery purchase terminals, such as mobile, product purchase window, cash dispenser, and to register the same.

However, both of the above patents were inventions using the functions of payment terminals of the existing merchants, and there was a limit in data communication of the existing payment terminals to perform various multi-payments. Therefore, there has been a problem in that it does not satisfy the desires of merchant owners or consumers who desire multi-payment of massive capacity.

In addition, there is a limit that the existing merchant terminal can not perform the tasks performed by the banks and credit card companies through the cashiers in part. This can also be regarded as a problem of data communication capacity. Thus, consumers and merchants had to suffer the inconvenience of having to spend time and visit a bank or credit card company directly.

In particular, in the case of merchants, the card sales on the day were inconvenient to receive cash in cash after a certain period of time for the authentication process for the credit card company.

The present invention has been made in view of the above-described prior art, and performs various payments centering on a multi-payment processing terminal device provided at a member store by a consumer, an affiliate, a card company, an investment company, a payment bank, and a card store. It is an object of the present invention to provide an affiliated terminal device for multi-payment processing, a multi-payment processing system using the terminal, and a method for performing a prepaid payment processing in a lending manner for future sales.

Another object of the present invention is to enable the application and processing for this to provide customers with interest-free installment services for each merchant in accordance with the wishes of the merchant, and if there is already interest-free installment of the card company itself, interest-free installment payment of the merchant It is an object of the present invention to provide a multi-payment merchant terminal device, a multi-payment processing system using the terminal, and a method for inducing a merchant to increase sales by refunding a customer to cash or points.

Another object of the present invention, when making a payment card of the customer through the terminal device provided in the merchant, by reading the corresponding card information to accumulate the number of customer visits by customer to differentiate the customer for the regular customer for each merchant An object of the present invention is to provide a multi-payment merchant terminal device for performing a multi-payment processing system using the terminal and a method thereof.

Another object of the present invention is that when a customer inputs a billing request for simultaneous billing using a merchant terminal device, a single approval process for the purchase of another product is performed even if the customer uses another merchant based on the billing request information. It is an object of the present invention to provide a multi-payment merchant terminal device capable of performing simultaneous payment of utility bills, a multi-payment processing system using the terminal, and a method thereof.

Another object of the present invention is a merchant for a multi-payment processing that a customer uses a merchant terminal device to apply for payment of a desired loan from a plurality of investors based on collateral for a certain amount of a payroll transfer amount, and performs processing thereof. An object of the present invention is to provide a terminal apparatus, a multi-payment processing system using the terminal, and a method thereof.

In order to achieve the above object, according to a preferred embodiment of the present invention, the appearance is made of a metal housing, the card payment terminal provided with a card reader for reading card information, the predetermined portion of the upper end of the housing A display unit provided to output various text and image information; A key input unit provided in a predetermined portion of the front surface of the housing and including a plurality of numeric keys, a separate sales prepayment application button, an interest-free payment application button, a utility bill payment application button, and a payday loan application button; A card reading unit provided at the side to read card information for card payment; A speaker provided at its side for outputting various voice information; It is provided inside the housing and has a multi-payment algorithm is built, the unique number information donated by each merchant is embedded, a calculation algorithm for payment processing is embedded, the service application data for the prepayment application, points and A data storage unit for storing prepaid service application data for gift certificates, interest-free installment service application data, utility bill application data, payday loan application data, and product purchase information for each customer; Generates the credit card payment request signal of the customer in accordance with the signal input from the key input unit and the card reading unit, and the application of prepayment and interest-free installment service, application of simultaneous payment of utility bills, payroll loan application information according to the merchant's selection The merchant terminal device for multi-payment processing is provided, which comprises a control unit for providing a server and controlling the output of the corresponding information through a display unit.

On the other hand, the present invention is a merchant terminal device having a data communication module is provided therein to generate a card payment and sales prepayment application, interest-free installment event signal, and performs a customer information and interest rate calculation; An investor terminal having a web browser for outputting various investment information for investment in merchant sales prepayment, and a communication module for inputting and outputting various data; A card authentication server that performs card authentication based on card information read and transmitted from the affiliated store terminal device; A credit card company server which receives card authentication information and payment information from the card authentication server and makes a corresponding payment; The card payment and sales prepayment request and interest-free installment event signals are transmitted from the merchant terminal device to transmit the card payment and interest-free installment information to the credit card company to perform payment or installment fee addition processing thereto, and the corresponding card payment confirmation information. There is provided a multi-payment processing system using a multi-payment processing merchant terminal device, characterized in that the multi-payment processing server is configured to perform a prepayment processing and receive investment information from the credit card company.

Preferably, the multi-payment processing server performs arithmetic processing and transmission processing to provide the interest rate information on the basis of the prepaid revenue paid according to the prepayment application and prepayment date information provided from the merchant terminal device. A multi-payment processing system using a processing merchant terminal device is provided.

Preferably, the affiliated store terminal device is provided with a multi-payment processing system using the multi-payment processing merchant terminal device, characterized in that the transmission to set the daily payment number information for the prepayment of sales to the multi-payment processing server.

Preferably, the multi-payment processing server registers the interest-free installment event signal transmitted from the affiliated store terminal device to determine whether the payment card of the customer executes the interest-free installment event to send information on the duplicate interest-free installment event to the merchant terminal device. There is provided a multi-payment processing system using a multi-payment merchant terminal device, characterized in that the merchant owner to recognize this by transmitting.

On the other hand, the present invention is a process for generating a prepayment request signal from the merchant terminal device; Registering the merchant information with the multi-payment processing server; Calculating an interest rate for the prepaid payment service; Transmitting the interest rate information to the affiliated store terminal device; Generating a card payment signal from a terminal device of the affiliated store; Accumulating the corresponding card payment information on a daily basis in the multi-payment processing server; Provided is a multi-payment processing method using a multi-payment merchant terminal device, characterized in that the process of making a prepayment of sales to the merchant.

Preferably, the multi-payment processing method using the multi-payment processing merchant terminal device further comprises the step of making a prepayment in the multi-payment processing server for the sales of points or gift certificates.

Preferably, a multi-payment processing method using the multi-payment processing merchant terminal device, characterized in that the merchant further comprises the step of selecting the daily prepayment and immediate prepayment when the sales advance payment application signal occurs.

Preferably, the sales advance payment is provided with a multi-payment processing method using the merchant terminal device for multi-payment processing, characterized in that both the revenue generated on the day and the expected revenue generated in the future are included.

Preferably, the merchant owner using the merchant terminal device to apply for the interest-free installment event to the corresponding merchant alone; Registering the event information in the multi-payment processing server; Transmitting corresponding interest-free installment application information and merchant information to each card company; There is provided a multi-payment processing method using an affiliated terminal device for multi-payment processing, comprising a process of adding an installment fee to an affiliated store when a card payment signal is generated from the affiliated store terminal device.

Preferably, if the card company and the affiliated store is overlapped with interest-free installment process, transmitting the duplicated information from the multi-payment processing server to the affiliated store terminal device; Provided is a multi-payment processing method using a merchant terminal device for multi-payment processing, further comprising the step of refunding to the customer the installment fee for the duplicates by the affiliate store owner by points, cash, commodity price discount, and the like.

Preferably, the multi-payment processing server is a process for setting a predetermined amount or more for the same payer for each merchant to prevent illegal use of credit cards; Judging whether the cumulative payment amount for each payer accumulated by the merchant terminal device is a preset amount each month; When the cumulative payment amount is more than the predetermined amount, there is provided a multi-payment processing method using the merchant terminal device for multi-payment processing, characterized in that further comprising the step of performing the information query for the amount of income through the IRS server.

Preferably, the merchant terminal device is provided with a multi-payment processing method using the merchant terminal device for the multi-payment processing, characterized in that the number of payments of the same customer can be recognized by storing the card information cumulatively.

On the other hand, the present invention is provided with a module for data communication inside the various key signals, utility billing priority account number and password input for the card payment and billing simultaneous payment service application, various card payment information and billing payment details screen Merchant terminal device with an output unit to be output as a receipt or receipt; A plurality of electronic bill issuing server for providing the bill information of the customer; A financial server including a credit card company server and a bank server for processing a utility bill; Register the credit card or bank card information of the customer for the simultaneous payment of the utility bill through the merchant terminal device, and receive and register the billing information of a specific customer from the electronic bill issuing server, and register the billing information after the registration of the billing information Provided is a multi-payment processing system using a multi-payment processing merchant terminal device, characterized in that the multi-payment processing server performs simultaneous payment processing of utility bills through its authentication.

Preferably, a web browser is provided therein for outputting the application for the simultaneous payment service for billing service and the release, the billing history information, the billing bank information or the credit card company information, and receiving the information and receiving various selection signals. There is provided a multi-payment processing system using a multi-payment processing merchant terminal device, further comprising a customer terminal having a communication module for transmitting to a remote server.

Preferably, the utility bill is provided with a multi-payment processing system using a merchant terminal device for multi-payment processing, characterized in that all the bills, such as newspaper bills, apartment management fees, insurance premiums, various dues, automobile tax.

Preferably, the multi-payment processing server is provided with a multi-payment processing system using a merchant terminal device for multi-payment processing, characterized in that the unique customer code donated for billing payment processing for each customer therein is stored and registered therein. .

Preferably, the electronic bill issuing server is automatically sent to determine whether to send the information on the corresponding bill amount to the customer's e-mail or the multi-payment processing server according to the unique code received from the multi-payment processing server Provided is a multi-payment processing system using an affiliated terminal device for multi-payment processing, comprising an algorithm.

Preferably, the multi-payment processing server is provided with a multi-payment processing system using the merchant terminal device for the multi-payment processing, characterized in that the customer code and the utility billing information of the priority order registered by the customer is stored therein. .

On the other hand, the present invention is a process for the customer to apply for the billing service at the same time through the key input of the merchant terminal when the initial service application; Registering the application information in a multi-payment processing server; Receiving the customer's bill from the electronic bill issuing server; Providing a customer card information and payment information to the multi-payment processing server through a merchant terminal device for a customer to purchase goods at a merchant; Requesting, by the multi-payment processing server, to perform a bill payment processing together with payment of goods to a financial server or a credit card company server having an account of the customer; Performing billing simultaneous payment according to the request signal; Provided is a multi-payment processing method using a multi-payment merchant terminal device characterized in that the process of notifying the payment details.

Preferably, the process of registering the customer application information in the multi-payment processing server, the process of assigning a unique number for each customer; There is provided a multi-payment processing method using a multi-payment merchant terminal device, characterized in that further comprising the step of registering the account information of the customer.

Preferably, the merchant billing terminal for multi-payment processing, characterized in that the electronic bill generation server to determine whether to send to the customer's e-mail or multi-payment processing before sending the bill in accordance with the registered customer unique number matching Provided is a multi-payment processing method using an apparatus.

Preferably, the account information of the customer is a plurality of account information according to the customer's pre-selected input, and the multi-payment processing method using the merchant terminal device for multi-payment processing, characterized in that the payment priority information is included.

Preferably, the process of performing the billing at the same time billing is a multi-payment processing method using a merchant terminal device for multi-payment processing, characterized in that the billing for the purchase of goods, the billing payment is generated, and the billing payment separately. Is provided.

Preferably, the multi-payment processing method using the multi-payment processing merchant terminal device, characterized in that the item payment price and utility bill payment details are each output in the same receipt.

Preferably, the multi-payment processing server stores the billing information and makes a payment for billing using a credit card company or a billing fee or a cash service according to the billing contents. Provided is a multi-payment processing method using a merchant terminal device.

On the other hand, the present invention is provided with a module for data communication so that various key signals, payroll debit account number and password transmission for card payment and payday loan application is made to a remote server, various card payment information and payday loan details An affiliated store terminal device having an output unit for outputting the screen or a receipt; An investor terminal for generating various key signals and retrieving investment information for the payroll investment of the customer; A financial server including a credit card server and a bank server for payday security investment of the customer; Multi-payment for receiving and registering investment intention information from the investor terminal or financial server, receiving payday loan application signal from the merchant terminal device, and performing payday loan processing, and transmitting payday information to a bank server. Provided is a multi-payment processing system using a multi-payment merchant terminal device, comprising a processing server.

On the other hand, the present invention comprises the steps of the customer input the card information of the customer through the merchant terminal device and operating the payday loan button; Registering the card information and the payroll loan application information in the multi-payment processing server; Transmitting, by the multi-payment processing server, the payroll security transfer information to the bank server on which the payroll account is opened; Receiving, by the multi-payment processing server, a corresponding loan from an individual investor, a bank, or various capital companies; Transmitting, by the multi-payment processing server, loan information to the affiliated store terminal device; Provided is a multi-payment processing method using a merchant terminal device for multi-payment processing, which comprises a repayment process in which a predetermined portion of a payroll of a corresponding customer is automatically transferred to a payroll automatic transfer date.

Preferably, the repayment date for the loan is a process of allowing a customer to input through the merchant terminal device to register with the multi-payment processing server; Calculating interest rate information on the loan repayment date; Transmitting, by the multi-payment processing server, the interest rate information to the affiliated store terminal device; There is provided a multi-payment processing method using a merchant terminal device for multi-payment processing, further comprising a process of allowing a customer to recognize the transmitted interest rate information on a screen or a receipt output.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a schematic diagram showing a schematic configuration of a multi-payment processing system using a multi-payment merchant terminal device according to a first embodiment of the present invention.

Referring to this, the multi-payment processing system using the multi-payment processing merchant terminal device according to the first embodiment of the present invention is a terminal device (A1) provided to the affiliate store merchants to apply for prepayment in advance for a future sale within a predetermined period (A1). An), the service is registered to receive a signal for the service registration, and the prepayment for future sales is made.

In the multi-payment processing system using the multi-payment merchant terminal device according to the first embodiment of the present invention, the corresponding merchant information is provided in real time according to signals for the prepaid application for sales from a plurality of merchant terminal devices A1 to An. There is provided a multi-payment processing server (MSPS) to register, check the sales signal of the relevant merchant whenever it occurs, and settle and pay the sales prepaid amount. The multi-payment processing server (MSPS) has a database DB1 for storing payment information such as merchant information, card authentication information, revenue generation amount and prepaid amount, and settlement amount. An) is equipped with a processor to automatically generate loan signals to the remote credit card company servers (CCS1 to CCSn) through a key operation therein, and with a card authentication server (CCCS) through a data communication network (for example, an Internet network). A loan network generates loan signals to the credit card company servers CCS1 to CCSn. At this time, the data transmitted from the merchant terminal devices A1 to An to the credit card company servers CCS1 to CCSn are loan signals and the corresponding signals. Payment amount information. That is, the card payment is made through the merchant terminal devices A1 to An, and the merchant terminal devices A1 to An are selected by the merchant's attention to the credit card company servers CCS1 to CCSn for the payment amount. Immediate deposit loan signal will be generated automatically.

In addition, in the multi-payment processing system using the multi-payment merchant terminal device according to the first embodiment of the present invention, credit card company servers CCS1 to CCSn are linked to credit settlements generated from the merchant terminal devices A1 to An. The credit is processed by receiving the signal. In addition, it is possible to make an investment in the sales upfront payment of the affiliated store to the multi-payment processing server (MSPS).

On the other hand, a card authentication server (CCCS) provided at the front end of the credit card company server (CCS1 ~ CCSn) for authenticating card information authorized from the merchant terminal devices (A1 ~ An) is provided. The multi-payment processing server MSPS is provided at the front end of the credit card company servers CCS1 to CCSn and the card authentication server CCCS to perform various payment services by reading necessary card information, customer information, and merchant information. In particular, the multi-payment processing server (MSPS) is connected to a plurality of individual investor terminal (B1 ~ Bn) on the web to provide a variety of investment information to the investor terminal (B1 ~ Bn) side, the investment paid to the merchant owners advance payment Can be paid.

In the case of merchant sales prepayment service, the merchant owner can directly select the loan date for the sales prepayment and select the number of payments per day. Revenue prepayment is in the form of an investor's loan, with different interest rates depending on the loan date, and if you want to pay more for future sales, the interest is not just arithmetically multiplied by the date and the risk fee is increased by a few percent. It will be included.

In addition, in the case of the number of payments per day, the merchant owner may select the number of times of prepayment of sales such as once or twice daily and immediate payment using the affiliated terminal devices A1 to An, and the selection signal is the multi-payment processing server ( MSPS), and the number of daily advance payments will be made in real time. Accordingly, the multi-payment processing server MSPS transmits the amount to be paid today, total sales today, the amount of the immediate payment service, and the amount of money loaned up to the affiliated terminal devices A1 to An to output the screen. Make the franchisee aware.

In addition, the interest rate for the future sales loan date selected by the merchant owner through the merchant terminal devices (A1 ~ An) is transmitted to the operation processing of the multi-payment processing server (MSPS) to be displayed on the screen.

On the other hand, in the multi-payment processing system using the multi-payment merchant terminal device according to the first embodiment of the present invention, the merchant owner to apply for a bulk prepayment for each specific card of the customer prepaid through the merchant terminal devices (A1 ~ An) The multi-payment processing server (MSPS) can be performed.

For example, if the merchant owner wants to receive only a predetermined card, the merchant may apply for the corresponding card information and the prepayment service through the key input of the merchant terminal devices A1 to An, and the multi-payment processing server MSPS Receiving a signal to settle the sales of the affiliated store by the card for one day and provide the settlement information to the affiliated store terminal devices (A1 to An), and prepay the corresponding amount.

In addition, the multi-payment processing system using the multi-payment processing merchant terminal device according to the first embodiment of the present invention can also prepay the sales of points or gift certificates through the service request through the merchant terminal devices (A1 to An). For example, in the case of merchant sales through points (cyber money) or gift certificates, a certain period of time is required for authenticating the points and gift certificates, but if the merchant owner applies for advance payment through the merchant terminal devices (A1 to An), similar to the card sales Advance payment is required.

The multi-payment processing system using the multi-payment processing terminal device for multi-payment processing according to the first embodiment of the present invention may perform an interest-free installment event for each affiliate store according to the wishes of the franchise owner. An) can generate a interest-free installment event signal separately from the card company, if the signal is applied to the multi-payment processing server (MSPS) to register the information and the information on the real-time information to the credit card company server (CCS1 ~ CCSn) To send. Therefore, the information is registered in the credit card company server (CCS1 ~ CCSn) will be registered by the merchant to pay the installment fee for the product price.

If the credit card company performs a separate interest-free event during the interest-free event period of the merchant, the amount of the installment fee for the interest-free event of the merchant is refunded to the customer in cash or various points. The multi-payment processing server (MSPS) is sent to the merchant terminal device (A1 ~ An) side so that the customer can confirm this in real time.

In addition, the multi-payment processing server (MSPS) separately manages the purchase price information for each customer through the merchant in order to prevent illegal sales of the realization of cash profit (aka, card can) through the card installment in a plurality of merchants. That is, the multi-payment processing server (MSPS) manages customer purchase information for each affiliate separately and sets a predetermined amount or more for each merchant in advance to determine whether the use of the card exceeds a certain amount in the same affiliate store, and the income tax of the corresponding customer. Be sure to check the status of payment.

Figure 2 is a perspective view showing the appearance of the merchant terminal device for multi-payment processing according to the first embodiment of the present invention.

Referring to this, the merchant terminal device (A1 ~ An) for multi-payment processing according to the present invention is composed of a metallic housing 10, the various text and image information on the upper predetermined portion of the housing 10 A display unit 12 for outputting is provided.

In addition, a predetermined portion of the front surface of the housing 10 is provided with a key input portion consisting of a plurality of numeric keys 14 and a selection key 16, and a card reading portion 18 for reading card information for card settlement on the side thereof. ) Is provided. In addition, the side is provided with a speaker 20 for outputting a variety of voice information.

3 is a block diagram illustrating a circuit configuration of an affiliated store terminal device for multi payment processing according to a first embodiment of the present invention.

Referring to this, as shown in FIG. 2, the multi-payment merchant terminal devices A1 to An according to the present invention include a key input unit 14, 16, a card reading unit 18, a display unit 12, The speaker 20 includes an input / output unit, a display driver, a speaker driver, a data storage unit, and a controller.

More specifically, reference numeral 22 denotes an input / output unit that performs input / output of various data to the data communication network and performs signal processing of the corresponding data, and reference numeral 24 denotes a display driver for driving the display unit 12. . Also, reference numeral 26 denotes a speaker driver for driving the speaker 20.

On the other hand, reference numeral 28 has a built-in multi-payment algorithm, embedded unique number information donated by each merchant, embedded arithmetic algorithm for payment operation processing, service application data, points and A data storage for storing the prepaid service application data, the interest-free installment service application data, and the goods purchase information for each customer for the gift certificate.

In addition, the reference numeral 30 generates a credit card payment request signal of the customer in accordance with the signal input from the key input unit 14, 16 and the card reading unit 18, the prepayment application and interest-free installment service according to the selection of merchants The control unit performs a remote multi payment processing server (MSPS) and controls the information to be output through the display unit 12. That is, the affiliated store terminal devices A1 to An are operated through a key operation therein. A processor is provided to automatically generate loan signals to the remote credit card company servers (CCS1 to CCSn), and the credit card company server (CCS1) as a separate network from the card authentication server (CCCS) through a data communication network (for example, the Internet network). The loan signal is generated to the CCSn. At this time, the data transmitted from the merchant terminal devices A1 to An to the credit card company servers CCS1 to CCSn are the loan signal and the corresponding payment amount information. The. That is, the card payment is made through the merchant terminal devices A1 to An, and the merchant terminal devices A1 to An are selected by the merchant's attention to the credit card company servers CCS1 to CCSn for the payment amount. Immediate deposit loan signal will be generated automatically.

4A and 4B illustrate screens of an affiliated store terminal device for multi payment processing according to a first embodiment of the present invention.

Referring to this, as shown in FIG. 4A, various service information is output to the display unit 12 of the multi-payment merchant terminal devices A1 to An according to the present invention, for example, a prepaid (sales) service and The advance payment (sales) loan date, the interest rate of the total paid sales, and the number of daily payment selection information are output, and the button information (1, 2, 3) for selecting each service is output to the information.

Therefore, the merchant owner recognizes the service information output on the display unit 12 of the merchant terminal devices A1 to An for multi-payment processing and the button information corresponding to the service information, and operates the key input units 14 and 16. When the service application is made, the control unit 30 reads the application data and merchant information for the corresponding service from the data storage unit 28, synthesizes the information, and transmits the information to the multi-payment processing server (MSPS). To be done.

For example, when the merchant owner selects a prepayment service through the key input units 14 and 16 of the multi-payment merchant terminal devices A1 to An and selects a prepayment loan date, the interest rate for the corresponding sales is automatically calculated. If the screen is displayed and the number of daily payments is selected, the sales prepayment is made accordingly.

In addition, when the merchant owner selects a sales settlement button which is one of the key input units 14 and 16 of the merchant terminal devices A1 to An for multi-payment processing, the corresponding signal is transmitted to the multi-payment processing server MSPS. Through the display unit 12 of the multi-payment merchant terminal devices A1 to An for receiving payment information of the corresponding merchant as shown in FIG. Information on the current loan amount 'is displayed.

The function and operation of the multi-payment processing system using the multi-payment merchant terminal device according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

FIG. 5 is a flowchart illustrating a signal flow of a multi-payment processing system using the multi-payment affiliated terminal device according to the first embodiment of the present invention.

First, the affiliated owner operates the key input units 14 and 16 of the affiliated terminal devices A1 to An to immediately apply for a payment service to the multi-payment processing server MSPS. At this time, the affiliated store terminal device (A1 ~ An) is automatically selected by the button operation of the key input unit 14, 16 immediately after the payment service application data stored therein, the previously stored merchant information is combined and transmitted together, the multi-payment The processing server (MSPS) can determine the information and immediately applied for a payment service at a merchant, and can grasp the contents of the service. The service details include the loan date (payment for future sales after 2, 3, 4 days) and card information desired for loan (△△ only card company loan application). That is, the multi-payment processing server (MSPS) receives and stores the payment signal and the unique number of the affiliated store terminal device immediately from the affiliated store terminal devices (A1 to An).

Then, the multi-payment processing server (MSPS) registers the corresponding merchant information and the service application information, and transmits the pre-registered interest rate information for the prepaid payment service to the affiliated store terminal devices (A1 to An) so that the affiliated store owner recognizes it. do.

On the other hand, when the customer purchases the goods of the merchant using the card or wishes to pay the card for the payment provided by the merchant's service, enters the card information in the merchant terminals A1 to An, and enters a payment amount, Merchant terminal (A1 ~ An) read the card information and transmits to the card authentication server (CCCS).

Then, the card authentication server (CCCS) receives the card information of the customer and performs the authentication of the card, and transmits the authentication confirmation information to the multi-payment processing server (MSPS), the multi-payment processing server (MSPS) ) Transmits the authentication confirmation information to the affiliated store terminal A1-An. When the merchant owner inputs a payment amount through the merchant terminal devices A1 to An, the merchant terminal A1 to An transmits the payment amount information to the multi-payment processing server MSPS and the card authentication server CCCS. It is provided to the credit card company servers CCS1 to CCSn.

When the payment confirmation information is transmitted from the credit card company servers CCS1 to CCSn, the information is applied to the multi-payment processing server MSPS via the card authentication server CCCS. In this case, the multi-payment processing server (MSPS) registers the corresponding payment information for each affiliated store.

At this time, in the state in which the investment amount for the prepaid sales service is deposited through a personal investor or a bank server (not shown), the multi-payment processing server MSPS prepays the corresponding sales. The prepaid information is provided from the multi-payment processing server MSPS to the affiliated store terminal devices A1 to An. At this time, the daily prepayment number may be differentially deposited according to the prepayment request data transmitted from the affiliated store terminals A1 to An. In addition, according to the selection of the affiliated owner may only be paid in advance for sales to a specific card company.

Subsequently, when payment for the corresponding sales is made from the credit card company servers CCS1 to CCSn to the multi-payment processing server MSPS, the investment amount is returned to the investor or the bank side.

In addition, the present invention provides a prepaid service for sales of points or gift certificates. In this case, all points or gift certificates for which the multi-payment processing server (MSPS) can perform point authentication and gift certificate authentication through a data communication network. Advance payment service can be provided.

6 is a flowchart illustrating another service flow of the multi-payment processing system using the multi-payment merchant terminal device according to the first embodiment of the present invention.

In addition, in accordance with the wishes of the merchant owners can perform the interest-free installment event for each affiliated store alone, the merchant owner can generate the interest-free installment event signal separately from the card company through the merchant terminal device (A1 ~ An) bar, the merchant owner When the data for the interest-free installment event is inputted through the affiliated store terminals A1 to An, the data is automatically transmitted to the multi-payment processing server (MSPS) together with the corresponding affiliated store unique number in the affiliated store terminals A1 to An. Is applied. Then, the multi payment processing server (MSPS) registers the corresponding information, and transmits the information about the information to the credit card company servers CCS1 to CCSn in real time.

Therefore, the affiliated store pays the installment fee for the corresponding product price for the affiliated store information where the credit card company servers CCS1 to CCSn are registered.

If the credit card company performs a separate interest-free event during the interest-free event period of the merchant, the amount of the installment fee for the interest-free event of the merchant is refunded to the customer in cash or various points. The multi-payment processing server (MSPS) is sent to the merchant terminal device (A1 ~ An) side so that the customer can confirm this in real time.

Preferably, the multi-payment processing server (MSPS) separately manages customer purchase price information for each customer through the merchant in order to prevent illegal sales of realizing the customer's cash profit through the card installment in a plurality of merchants. That is, the multi-payment processing server (MSPS) manages customer purchase information for each affiliate separately and sets a predetermined amount or more for each merchant in advance to determine whether the use of the card exceeds a certain amount in the same affiliate store, and the income tax of the corresponding customer. The payment status of the service may be determined in association with the IRS server (not shown).

The process of the present invention will be described in more detail through a multi-payment processing system using a multi-payment merchant terminal device according to an embodiment of the present invention.

First, when a merchant owner generates an interest-free installment event signal separately from a card company through a button operation of the merchant terminal devices A1 to An, the corresponding application signal is applied to the multi-payment processing server (MSPS). The multi payment processing server (MSPS) registers service information by transmitting a corresponding interest-free service signal to the credit card company servers (CCS1 to CCSn).

Further, the identification information transmitted from the credit card company servers CCS1 to CCSn is provided to the affiliated store terminal devices A1 to An via the multi payment processing server MSPS.

At this time, when the customer purchases the goods at the affiliated store, or provides a credit settlement coupon card for the price provided to the merchant, the merchant terminal device (A1 ~ An) read the card information to the multi-payment processing The card authentication server (CCCS) is authenticated via the server (MSPS), and the authentication information is provided. Subsequently, when the payment information is transmitted from the affiliated store terminal devices A1 to An, the payment information is transmitted to the credit card servers CCS1 to CCSn through the multi payment processing server MSPS, so that payment processing is performed. Information is provided through the multi payment processing server (MSPS).

At this time, the credit card server (CCS1 ~ CCSn) is to determine whether to grant the installment fee to the merchant or the customer from the pre-registered independent interest-free installment information of the merchant.

If the credit card company performs a separate interest-free event during the interest-free event period of the merchant, the multi-payment processing server (MSPS) receives the corresponding information from the credit card company servers (CCS1 to CCSn) and the interest-free event of the merchant. The amount of the installment fee for the city is refunded to the customer in cash or various points, and the corresponding information is transmitted to the merchant terminal device (A1 to An) by the multi-payment processing server (MSPS). Make sure to check.

On the other hand, the multi-payment processing server (MSPS) or the merchant terminal device (A1 ~ An) registers the personal information of the customer to generate sales through the card at the merchant on a specific day, such as the birthday of the customer, celebration music, etc. Output through the merchant terminal device (A1 ~ An).

If the separate customer identification information is not stored in the affiliated store terminal devices (A1 to An), the multi payment processing server (MSPS) uses the customer card information transmitted to the multi payment processing server (MSPS). By searching, it is determined whether a specific date of the corresponding customer has arrived and the corresponding information is sent to the affiliated store terminal devices A1 to An. Therefore, the congratulatory music on a specific day is output through the merchant terminal devices A1 to An, and such congratulatory messages are also output to the receipt or slip.

In addition, the affiliated store terminal device (A1 ~ An) by calculating the number of visits of the same customer cumulatively through the card information of the corresponding customer to determine whether or not it is a regular customer to pay a separate prize and the like. Therefore, some of the read card information is automatically stored in the data storage unit inside the affiliated store terminal devices A1 to An.

On the other hand, if the card presented by the customer is a smart card, and the e-mail information is embedded therein, or if the customer e-mail information is registered by accessing the multi-payment processing server (MSPS) on the web, the merchant information is included in the merchant information. Provided by email with. In this case, the e-mail service allows the multi payment processing server (MSPS) to be collectively sent on a daily basis, and an automatic sending program for this is embedded in the multi payment processing server (MSPS). Therefore, when a customer pays at a particular merchant using a card, the payment information is determined by the multi-payment processing server (MSPS) to read the customer's e-mail information, and with the thank-you message, the merchant information. Payment details will be sent automatically.

Hereinafter, a multi-payment processing system using the multi-payment merchant terminal device according to the second embodiment of the present invention will be described in detail with reference to the accompanying drawings.

7 is a schematic diagram showing a schematic configuration of a multi-payment processing system using a multi-payment merchant terminal device according to a second embodiment of the present invention.

Referring to this, the multi-payment processing system using the multi-payment merchant terminal device according to the second embodiment of the present invention, when a payment signal using the customer's card is generated according to the billing information of the customer secured in advance, In accordance with the single certification, the purchase of goods and the payment of bills are made at the same time.

The utility bill payment service can be applied through the merchant terminal devices (A1 ~ An), the merchant terminal device (A1 ~ An) in the signature input for the corresponding service billing service application by applying the signature to sign up for the service To replace

Therefore, in this case, since the input of the password is required to apply for the simultaneous billing service through the merchant terminal devices A1 to An, the sales increase in the corresponding merchant is expected. In addition, through the affiliated store terminal devices A1 to An, priority of payment of utility bills may be given by reading credit card information and general bank card information possessed by a customer.

In more detail, in order for a customer to initially register a utility service through the merchant terminal devices A1 to An, the payment priority information is provided to the multi-payment processing server (MSPS) by providing credit card or bank card information for payment. To be registered.

In addition, the multi-payment processing system using the multi-payment merchant terminal device according to the second embodiment of the present invention is provided with a plurality of electronic bill issuing servers (BS1 ~ BSn) for providing the billing information of the customer, which is The server may be provided inside the KFTC, or may be a terminal of an apartment management station depending on the contents of the bill. That is, the range of utility bills proposed in the present invention includes all utility bills such as newspaper bills, apartment management fees, insurance fees, various fees, and automobile taxes.

Therefore, the multi-payment processing server MSPS provides a unique customer code for billing payment for each customer, and registers the code information and the personal information with the electronic bill issuing servers BS1 to BSn. Then, the electronic bill issuing servers BS1 to BSn can determine whether to send the information on the bill amount to the customer's e-mail or the multi-payment processing server MSPS.

To this end, not only the corresponding customer code but also the customer's utility billing priority order payment method information (eg, △△ bank- ○○ bank- □□ credit card) is registered inside the multi-payment processing server (MSPS). have.

If the customer selects the utility bill payment service application button through the merchant terminal devices (A1 to An) at the time of initial service registration, and reads each bank card and credit card in order of payment in order to input the payment priority information, the information Is transmitted from the affiliated store terminal devices (A1 to An) to the multi-payment processing server (MSPS) and automatically registered.

In addition, since the multi-payment processing system using the multi-payment merchant terminal device according to the second embodiment of the present invention includes the customer terminals B1 to Bn separately, the multi-payment processing server MSPS is accessed remotely. Billing priority can be adjusted and set separately, and billing service application can be canceled.

Hereinafter, the utility bill payment service made in the above-described configuration will be described in more detail.

The utility bill payment service eliminates the hassle of paying utility bills by customers visiting financial institutions or through internet banking on the web, and immediately makes payments different from the automatic bill payment system through credit cards. It is a service that can be identified.

That is, the utility bill payment service through the simultaneous utility bill payment illustrated in the present invention, when the customer visits the merchant only during the initial service application and applies for the utility bill payment service through the merchant terminal devices A1 to An, the application information is the above information. If the customer is registered in the multi payment processing server (MSPS), and then the customer provides the corresponding customer information to the multi payment processing server (MSPS) through the merchant terminal device (A1 ~ An) to purchase goods at the merchant, the multi The payment processing server MSPS may generate a request signal to perform a bill payment processing together with payment of goods to a corresponding financial server (not shown) or credit card company servers CCS1 to CCSn.

At this time, through the merchant terminal device for payment (A1 ~ An) for the purchase of the goods to be output at the same time payment history and billing payment history of the goods. Thus, the customer can immediately check whether the utility bill has been paid.

In addition, in the case of such a service, the multi-payment processing server (MSPS) side to receive a fee provided from the billing source originating from the financial institution to be provided as operating resources.

In addition, to apply for the billing service simultaneously, the customer accesses the multi-payment processing server (MSPS) directly through the customer's computer terminal and enters the bank and credit card number, registers the priority information, and enters the password in real time. Application registration can be performed.

The function and operation of the multi-payment processing system using the multi-payment merchant terminal device according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

8 is a flowchart illustrating a signal flow of a multi-payment processing system using a multi-payment merchant terminal device according to a second embodiment of the present invention.

First, when a customer applies for simultaneous payment of utility bills through the merchant terminal devices A1 to An and inputs a card password to replace the signature for the service subscription, the information is sent to the multi-payment processing server (MSPS). It is sent and registered. In addition, the registration information is registered and authorized by the electronic bill issuing servers BS1 to BSn.

Then, the registration confirmation information of the customer is transmitted from the electronic bill issuing servers BS1 to BSn, and the billing information of the month is transmitted to the multi-payment processing server MSPS. At this time, the electronic bill issuing server (BS1 ~ BSn) is to determine whether to send the notice of the customer by e-mail based on the registered customer information or to the multi-payment processing server (MSPS).

Billing information sent to the multi-payment processing server (MSPS) is stored in the standby state in the multi-payment processing server (MSPS), and after a certain time when the customer pays for the purchase price of goods through other merchants, the Card information is provided from the merchant terminal devices A1 to An to the multi payment processing server MSPS, and the multi payment processing server MSPS transmits the corresponding card information to the card authentication server CCCS to perform card authentication. Do it.

When the authentication confirmation information is authorized from the card authentication server (CCCS) to the multi-payment processing server (MSPS), the multi-payment processing server (MSPS) simultaneously corresponds to the payment information for the goods and the billing payment information stored in the standby state at the same time. Send it to the credit card company's servers (CCS1 ~ CCSn) for separate payment processing.

That is, the information which enables the credit card company servers CCS1 to CCSn to recognize the goods purchase price and the utility bill payment price is included in the multi payment processing server MSPS and is provided to the credit card company servers CCS1 to CCSn. . The purchase price information of the article includes corresponding merchant information.

In this case, the utility bill payment may be settled by an automatic withdrawal method through a bank server (not shown), etc., separately from the purchase price of goods, and the multi-payment processing server (MSPS) setstles the payment according to the priority account information of the customer. Allow processing. That is, if there is a balance of the bank account set as a priority for the billing service at the same time, it can be processed to withdraw the billing costs from the bank account by automatic withdrawal method. In addition, a credit card company and a bank account are linked to each other, so that the credit card company may make a priority payment and subsequently withdraw the utility charges from the bank in which the credit card company is set as the priority.

Then, the credit card company server (CCS1 ~ CCSn) transmits the corresponding payment information to the multi-payment processing server (MSPS), the multi-payment processing server (MSPS) including the payment information and utility billing billing together with the merchant Send to the terminal A1 ~ An so that the customer can be provided with a receipt or slip for it.

On the other hand, if it is impossible to process the bill payment through the card payment due to the details of the bill or the choice of the credit card company, the bill payment is made through the cash service for the credit card. Information about this is also transmitted to the affiliated store terminal devices A1 to An through the multi-payment processing server MSPS.

Preferably, by accessing the credit card server (CCS1 ~ CCSn) via the multi-payment processing server (MSPS) to selectively enter any one of the billing information immediately payment, cash service payment, credit loan payment, By registering the first information entered in the multi-payment processing server (MSPS) to allow automatic payment using the credit card payment or cash service when paying the bills through the credit card.

Hereinafter, a multi-payment processing system using the multi-payment merchant terminal device according to the third embodiment of the present invention will be described in detail with reference to the accompanying drawings.

9 is a schematic diagram showing a schematic configuration of a multi-payment processing system using a multi-payment merchant terminal device according to a third embodiment of the present invention.

Referring to this, the multi-payment processing system using the multi-payment merchant terminal device according to the third embodiment of the present invention schedules the salary of the corresponding customer through the merchant terminal devices (A1 ~ An) according to the customer's application You can get a loan service as collateral.

That is, the customer may apply for a loan through the affiliated store terminal A1 to An without visiting a financial company such as a card company or a bank to apply for a loan. In this case, the merchant owner must directly verify the identification card for identification, and at the same time, the loan application is made very easily by inputting the card information of the corresponding customer through the affiliated terminal devices A1 to An and operating a payroll loan button.

The loan signal is transmitted to the multi payment processing server (MSPS), and the multi payment processing server (MSPS) receives the loan from an individual investor, a bank, or various capital companies, and provides the customer with the loan. In this case, the merchant can also take part of the loan fee and expect sales to increase with the visit of the customer.

In addition, the customer wishing to make a loan must be a holder of a payroll passbook where the benefit is deposited by direct debit. Payday security for the loan is customer choice. That is, the customer chooses what percentage of the total salary to be repaid each month, which is the same as setting the loan date after all. At this time, when the customer selects the loan date, the multi-payment processing server (MSPS) transmits the interest rate for the loan date to the merchant terminals A1 to An so that the customer can check it in real time.

To this end, the multi-payment processing system using the merchant terminal device for multi-payment processing according to the third embodiment of the present invention includes a plurality of bank servers BS1 to BSn through which payroll of the customer is made, and the credit card of the corresponding customer. A card authentication server (CCCS) is provided together to determine the authenticity of the customer through authentication.

In addition, individual investors' terminals B1 to Bn and credit card company servers CCS1 to CCSn will be included as investors. In this case, an individual investor or another investor may access the multi-payment processing server (MSPS) through a data communication network to confirm the investment information.

The function and action of the multi-payment processing system using the multi-payment merchant terminal device according to the third embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

10 is a flowchart illustrating a signal flow of a multi-payment processing system using a multi-payment merchant terminal device according to a third embodiment of the present invention.

First, when a customer visits a merchant and presents his / her ID to the merchant owner, he / she confirms his / her identity, and presents his / her own card to reveal his intention to apply for a loan, the merchant is the customer's card through the merchant terminal device (A1 to An). Enter the information and operate the payroll button.

Then, the card information and loan application information are transmitted to the multi-payment processing server (MSPS) to register the information. At this time, the transmitted card information is used as a secondary method for determining the authenticity of the customer.

Then, the multi-payment processing server (MSPS) registers by transmitting the information to the bank server (BS1 ~ BSn) side where the payroll passbook is opened. Therefore, the loan repayment can be made first in the future payroll.

In addition, the multi-payment processing server (MSPS) receives the loan from an individual investor, a bank, or various capital companies, and provides the loan to the customer, and the multi-payment processing server (MSPS) provides the loan information to the affiliated store terminal device ( A1 ～ An) to send the loan information to the screen or page. In this case, the merchant can also take part of the loan fee and expect sales to increase with the visit of the customer. At this time, the multi-payment processing server (MSPS) pays the loan to the customer, the bank information to deposit the loan is transferred to the corresponding bank account in the state in which the customer has entered in advance through the merchant terminal device (A1 ~ An) It consists of doing

On the other hand, salary security for the loan can be selected by the customer through the merchant terminal device (A1 ~ An). That is, when the customer selects the loan date, when the customer selects the loan date, the multi-payment processing server (MSPS) transmits the interest rate for the loan date to the affiliated store terminals (A1 to An) and the customer in real time. The process of confirming is preceded.

On the other hand, since the card means applied to the multi-payment processing system using the multi-payment merchant terminal device according to the first, second, and third embodiments of the present invention are included if the card information can be read, the smart card is Of course, it is possible to be applied to the service method due to the present system as a mobile terminal with a smart card chip embedded therein, and the configuration including all means to which the method is applied is included in the applicant's scope of rights.

As described above, the multi-payment merchant terminal device and the multi-payment processing system using the terminal and the method according to the present invention, the merchant owner is immediately paid for the currently confirmed sales payment, or apply in advance for future sales estimates There is an advantage in that the cash can be freely circulated, and the application can be made very easily through the merchant terminal device. In addition, since the merchant owner can select the number of daily sales prepayment, it is very convenient, and also, the sales through points and gift certificates can be prepaid. Regardless of the card company, affiliates can carry out interest-free installment events by themselves, automatically manage customer information for each affiliate, and can conveniently apply for simultaneous payment of utility bills and automatic payment of salaries through affiliated terminal devices. This is very useful.

1 is a schematic diagram showing a schematic configuration of a multi-payment processing system using a multi-payment merchant terminal device according to a first embodiment of the present invention;

Figure 2 is a perspective view showing the appearance of the merchant terminal device for multi payment processing according to the first embodiment of the present invention,

3 is a block diagram showing a circuit configuration of an affiliated store terminal device for multi payment processing according to a first embodiment of the present invention;

4A and 4B illustrate screens of an affiliated store terminal device for multi payment processing according to a first embodiment of the present invention;

5 is a flowchart illustrating a signal flow of a multi-payment processing system using a multi-payment merchant terminal device according to a first embodiment of the present invention;

6 is a flowchart showing another service flow of the multi-payment processing system using the multi-payment merchant terminal device according to the first embodiment of the present invention;

7 is a schematic diagram showing a schematic configuration of a multi-payment processing system using a multi-payment merchant terminal device according to a second embodiment of the present invention;

8 is a flowchart illustrating a signal flow of a multi-payment processing system using a multi-payment merchant terminal device according to a second embodiment of the present invention;

9 is a schematic diagram showing a schematic configuration of a multi-payment processing system using a multi-payment merchant terminal device according to a third embodiment of the present invention;

10 is a flowchart illustrating a signal flow of a multi-payment processing system using a multi-payment merchant terminal device according to a third embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1 ～ An: Merchant terminal device for multi payment, CCS1 ～ CCSn: Credit card company server,

CCCS: card authentication server, MSPS: multi-payment processing server.

Claims (29)

In the card payment terminal that the outer shape is made of a metal housing, and equipped with a card reading unit for reading card information, A display unit provided at a predetermined upper end of the housing to output various text and image information related to card payment; A key input unit provided in a predetermined portion of the front surface of the housing and including a plurality of numeric keys, a separate sales prepayment application button, an interest-free payment application button, a utility bill payment application button, and a payday loan application button; A card reading unit provided at the side to read card information for card payment; A speaker provided at a side thereof to output various payment related voice information including card information read by the card reader; It is provided inside the housing and has a multi-payment algorithm is built, the unique number information donated by each merchant is embedded, a calculation algorithm for payment processing is embedded, the service application data for the prepayment application, points and A data storage unit for storing prepaid service application data for gift certificates, interest-free installment service application data, utility bill application data, payday loan application data, and product purchase information for each customer; The card credit settlement request signal of the customer is generated according to the authorized signal through the key input unit and the card reading unit, and the prepayment application and the interest-free installment service application, the utility bill payment application, and the salary security according to the key signal through the key input unit The loan application code information is extracted from the data storage unit, and a single data packet formed by combining the affiliated store codes is outputted through the display unit and provided to the remote server, and the acoustic data for the processing is provided to the data. Merchant terminal device for multi-payment processing, characterized in that the control unit for reading out from the storage unit to control the output via the speaker. It is equipped with a processor for prepayment application, and a data communication module for data communication.It is equipped with a data communication module for data communication. An affiliated store terminal device having a processor for performing an operation and the like; An investor terminal having a web browser for outputting various investment information for investment in merchant sales prepayment, and a communication module for inputting and outputting various data; A card authentication server that performs card authentication based on card information read and transmitted from the affiliated store terminal device; A credit card company server which receives card authentication information and payment information from the card authentication server and makes a corresponding payment; Banking is processed through the investor terminal, the investment amount is transferred, the corresponding investment data is registered, and the card payment and payment prepayment application, interest-free installment event signal, and merchant-specific code are transmitted from the merchant terminal device to receive card payment and interest-free installment information. To make payment or installment fee addition processing to the credit card company, and to receive the relevant card payment confirmation information from the credit card company to perform prepayment of sales to the affiliated store, and provide investment information to investors. Multi-payment processing system using a multi-payment merchant terminal device, characterized in that configured as a processing server. The method of claim 2, wherein the multi-payment processing server performs arithmetic processing and transmission processing so as to provide the interest rate information based on a prepaid payment revenue based on the prepaid payment application and prepaid loan date information provided from the affiliated store terminal device. Multi-payment processing system using a multi-payment merchant terminal device. According to claim 2, The merchant terminal device multi-processing using the merchant terminal device for multi payment processing, characterized in that for generating the setting data to automatically set the daily payment number information for sales advance payment to the multi-payment processing server. Payment processing system. The method of claim 2, wherein the multi-payment processing server registers the interest-free installment event signal transmitted from the affiliated store terminal device, and determines whether a signal for executing the interest-free installment event for a specific payment card is applied from the affiliated store terminal device. Multi-payment processing system using a multi-payment merchant terminal device, characterized in that pre-set to automatically transmit the information on the duplicate interest-free installment event to the merchant terminal device. A process of applying a sales prepayment request signal from a merchant terminal device; Registering and receiving, by the multi-payment processing server, the affiliated store information and sales advance payment request signal, which are authorized from the affiliated store terminal device; Calculating, by the multi-payment processing server, an interest rate for a prepaid payment service; Transmitting, by the multi-payment processing server, corresponding interest rate information to the affiliated store terminal device; Transmitting a card payment signal from the terminal device of the affiliated store to the multi-payment processing server; Accumulating the card payment information on a daily basis by the multi-payment processing server; The multi-payment processing method using the multi-payment processing merchant terminal device, characterized in that the multi-payment processing server is made to prepay sales to the merchant account. delete [7] The multi-payment processing method of claim 6, wherein the affiliated store terminal device further includes a daily prepayment number and an immediate prepayment information when the prepaid application signal for sales is generated. Way. 7. The multi-payment processing method according to claim 6, wherein the sales prepayment includes both sales generated on the day and sales expected on future generation. The method of claim 6, further comprising: applying a single interest-free installment event request signal from the affiliated store terminal device to the multi-payment processing server; Registering, by the multi-payment processing server, event information transmitted from the affiliated store terminal device; Transmitting, by the multi-payment processing server, corresponding interest-free installment application information and affiliated store information to each credit card company server; Merchant terminal device for multi-payment processing, characterized in that the multi-payment processing server is processed so that the installment fee is added to the merchant when the card payment signal is generated from the merchant terminal device, and transmits the processing information to the credit card company server. Multi-payment processing method using. delete delete 7. The method of claim 6, wherein the affiliated store terminal device accumulates card information so that the number of payments of the same customer can be recognized. A data communication module is provided to allow various key signals, utility billing priority account number and password input for card payment and utility billing application, and various card payment information and utility billing details are displayed on the screen or receipt. An affiliated store terminal device having an output unit so as to be provided; Issuing a plurality of electronic bill issuing server for providing the billing information of the customer to the merchant terminal device; A financial server including a credit card company server and a bank server that receive the utility bill payment processing signal when the card is paid through the merchant terminal device in association with the multi-payment processing server and the merchant terminal device and process the corresponding bill; Register the customer's credit card or bank card information for the simultaneous payment of the utility bill through the merchant terminal device, receive and register the billing information of a specific customer from the electronic bill issuing server, and register the utility bill information When the card use signal of the corresponding customer is transmitted, the multi payment processing merchant terminal device for multi-payment processing, characterized in that consisting of a multi-payment processing server that performs the payment processing by automatically adding the corresponding bill amount to the payment amount at the same time as the authentication Payment processing system. 15. The method of claim 14, wherein a web browser is provided therein for outputting the application for the simultaneous payment service for billing service and the release thereof, billing history information, billing payment bank information and credit card company information, and receiving the information and receiving various information. Multi-payment processing system using a multi-payment merchant terminal device characterized in that it further comprises a customer terminal having a communication module for transmitting a selection signal to a remote server. 15. The multi-payment processing system of claim 14, wherein the utility bill includes all utility bills such as newspaper bills, apartment management fees, insurance fees, various fees, and automobile taxes. 15. The multi-payment processing system according to claim 14, wherein the multi-payment processing server stores and registers a unique customer code donated for bill payment processing for each customer therein. . 15. The method of claim 14, wherein the electronic bill issuing server determines whether to send information on the corresponding bill amount to the customer's e-mail or the multi-payment processing server according to a unique code received from the multi-payment processing server. A multi-payment processing system using an affiliated terminal device for multi-payment processing, comprising an algorithm for automatically sending to a pre-registered shipping destination. 15. The multi-payment processing system according to claim 14, wherein the multi-payment processing server stores a corresponding customer code and information on a priority order payment method registered by the customer in advance. . Transmitting a utility bill simultaneous payment service request signal from a merchant terminal device to a multi-payment processing server; Registering the billing application information at the same time by the multi-payment processing server; Receiving, by the multi-payment processing server, billing data of a corresponding customer from an electronic bill issuing server; Transmitting card information and payment information of the corresponding customer from the affiliated store terminal device to the multi-payment processing server; Requesting, by the multi-payment processing server, to perform a bill payment processing together with payment of goods to a financial server or a credit card company server having an account of the customer; Performing a bill payment processing in addition to a goods payment processing at the financial server or a credit card company server; Multi-payment processing method using the merchant terminal device for multi-payment processing, characterized in that the financial server or credit card company server notifies the multi-payment processing server the payment details. 21. The method of claim 20, further comprising: assigning a unique number to each customer in a process of registering customer application information transmitted from the affiliated store terminal device in a multi-payment processing server; Multi-payment processing method using a multi-payment merchant terminal device, characterized in that further comprising the step of registering the account information of the customer. 21. The method of claim 20, wherein the electronic billing generation server determines whether to send the customer's e-mail or the multi-payment processing server before sending the bill according to whether the registered customer unique number matches. Multi-payment processing method using a merchant terminal device. 22. The method of claim 21, wherein the account information of the customer is a plurality of account information according to a pre-selected input of the customer, and the payment priority information is included. 21. The multi-payment method according to claim 20, wherein the simultaneous billing of the utility bills is performed so that payment for the purchase of the goods in which the corresponding payment signal is generated and payment of the utility bills are separately processed. Treatment method. 21. The method of claim 20, wherein the item payment price and the utility bill payment history are output in the same receipt, respectively. 21. The multi-payment processing server according to claim 20, wherein the multi-payment processing server stores the billing information and pays the bill so as to make a payment by using a credit card company or a bill or contents of a bill. Multi-payment processing method using a merchant terminal device for payment processing. delete delete delete