KR100777338B1 - System and Method for Operating Card Payment Admission Information, Server for Operating Card Payment Admission Information and Information Storing Medium - Google Patents

Abstract

The present invention relates to a card payment approval information operation method and system, a card payment approval information operation server, a recording medium, and an information storage medium. The method includes operating at least two merchants (or merchant terminals) and / or at least Supply the goods to two or more affiliated stores, and link the company information for payment processing using a supplier collection card and the affiliated store specific information for each of the plurality of affiliated stores (or affiliated terminal specific terminal information) and store them in a predetermined storage medium to approve payment. In the payment approval process corresponding to the request text, the payment approval request text is read out to extract merchant-specific terminal information and / or merchant-specific information corresponding to the merchant-specific terminal information, and the extracted merchant-specific terminal to the storage medium. Information stored in association with the information and / or the merchant specific information If the information exists, the information corresponding to the payment approval history generated using the payment approval history information and / or the payment approval history information is stored in association with the affiliate store specific information previously stored in the storage medium, and the storage Characterized in that the payment approval history information and / or information corresponding to the payment approval history for each affiliated store stored in a medium (or a second storage medium) is provided to the company in real time or periodically.

Card, payment, authorization

Description

System and Method for Operating Card Payment Admission Information, Server for Operating Card Payment Admission Information and Information Storing Medium}

1 is a diagram illustrating a card payment approval information operating system according to an embodiment of the present invention.

2 is a view showing a preferred operating process of the card payment approval information according to an embodiment of the present invention.

3A, 3B, 3C, and 3D are diagrams illustrating a preferable generation process of information corresponding to payment approval details according to an exemplary embodiment of the present invention.

4 is a diagram showing an information storage medium 1 according to an embodiment of the present invention.

5 is a table illustrating company information according to an exemplary embodiment of the present invention.

6 is a table illustrating affiliate store information according to an exemplary embodiment of the present invention.

7 illustrates an information storage medium 2 according to an embodiment of the present invention.

8 is a diagram illustrating a general card payment approval history according to a card payment approval request provided from a predetermined merchant terminal.

9 is a diagram showing a storage medium 1 shown in FIG. 4 as a predetermined data table according to an embodiment of the present invention.

10 is a diagram showing a payment approval history processed for each affiliated store according to the present invention as a data table.

FIG. 11 is a diagram illustrating payment authorizations processed through a collection card for each affiliated store according to the present invention as a data table.

FIG. 12 is a diagram illustrating payment approvals processed by time zones for each affiliated store in a data table according to the present invention.

FIG. 13 is a diagram illustrating a payment approval list processed at a specific affiliate store in a data table according to the present invention.

FIG. 14 is a diagram illustrating a data table sorting payment approval details processed at a specific affiliate store by payment approval date and time according to the present invention.

FIG. 15 is a diagram illustrating a payment table processed by a specific affiliate store according to the present invention as a data table for sorting by customer characteristics.

16A and 16B are exemplary diagrams for full text of a payment approval request according to an embodiment of the present invention.

<Description of main parts of drawing>

100: Card payment approval information management system

105: data receiving means 110: payment approval processing means

115: information extraction means 120: information confirmation means

125: information storage means 130: information providing means

135: information processing means 140: merchant terminal

145: company server

The present invention collects payment approval information using a goods supplier collection card, or franchise merchant payment approval information for each company, stores in a predetermined storage medium, and then operates the card payment approval information for providing the stored information for each company. System and method.

In general, a retailer receives the goods (or goods) for retail sale from at least one product manufacturer and / or a distributor, and then pays for the delivery of the goods through a certain amount of cash. Is a very unfavorable payment method.

On the other hand, to solve the above problems, some product manufacturers and / or distributors provide a card payment service through a predetermined portable payment terminal, for this purpose, the product manufacturer and / or sales representatives always carry a portable payment terminal In addition, due to the wireless payment process of the portable payment terminal, the shadow payment area does not provide a card payment service.

In addition, commodity manufacturers and / or distributors are inconvenient to receive the sales status from each sales person on a daily basis, or to grasp the inventory and the like to aggregate the sales status in order to aggregate the sales status.

In addition, the retailer is inconvenient to aggregate the sales status through daily or weekly (or monthly) settlement because in most cases, the sales status aggregation system such as the product manufacturer and / or distributor is not separately established. .

An object of the present invention is derived to solve the above problems, operating at least two or more merchants (or merchant terminals) and / or supplies the goods to at least two or more merchants, payment processing using the supplier collection card The company information and the affiliated store specific information for each of the plurality of affiliated stores (or affiliated store unique terminal information) are stored in a predetermined storage medium, and when the payment approval process corresponding to the payment approval request text is read, the payment approval request text is read. Extracting affiliate store specific terminal information and / or affiliate store unique information corresponding to the affiliate store unique terminal information, and storing the affiliate store unique terminal information and / or the affiliate store unique information stored in the storage medium in association with the store information. If present, the payment approval history information and / or the payment approval The payment approval history for each affiliate store stored in the storage medium (or the second storage medium) is stored by linking and processing the information corresponding to the payment approval history generated using the details information with the affiliate store specific information previously stored in the storage medium. A card payment approval information operating method and system for providing information and / or information corresponding to the payment approval details to the company in real time or periodically.

Card payment approval information management system according to the present invention, operating the at least two or more merchants (or merchant terminal) and / or supplies the goods to at least two or more merchants, the company information for processing payment using a supplier collection card and the A storage medium for linking and storing affiliated store specific information (or affiliated store specific terminal information) for each of the plurality of affiliated stores; Data receiving means for receiving a predetermined payment approval request text; Payment approval processing means for processing payment approval corresponding to the full payment approval request; Information extracting means for reading the approved payment approval text and / or the full text of the payment approval request and extracting merchant-specific terminal information and / or merchant-specific information corresponding to the merchant-specific terminal information; Information checking means for confirming whether or not the company information stored in association with the extracted affiliate store specific terminal information and / or the affiliate store unique information exists in association with the storage medium (or storage medium operating means); As a result of the checking, when there is company information stored in association with the affiliated store specific terminal information and / or the affiliated store specific information, the payment approval history information and / or the payment approval history information (or the accumulated payment approval history) Information) corresponding to the payment approval history generated using the information stored in the storage medium in association with the merchant-specific information previously stored in the storage medium, or the payment approval history information and / or information corresponding to the payment approval history Information storage means for storing the second storage medium in association with the affiliated store specific information and the company information; And information providing means for providing the company with payment approval history information and / or information corresponding to the payment approval history stored in the storage medium (or the second storage medium) in real time or periodically. It features.

In addition, according to the present invention, the card payment approval information management system, the payment approval history information and / or the accumulated information of the payment approval history for each affiliated store operated by the company stored in the storage medium (or second storage medium). Access to, and extract and / or add the accumulated amount information of the payment approved amount information and / or payment approved amount information from the payment approval history information to generate information corresponding to the payment approval details, and / or

Payment approval process Check the time zone and / or date, information corresponding to the payment approval history by time zone and / or date-payment approval history information and / or cumulative information of the payment approval history and / or the amount of payment approved processing The payment approval details in association with a storage medium (or storage medium operating means) for generating information and / or cumulative amount information of the amount of payment approved and / or storing and storing customer information and customer card information in association; Check the customer information corresponding to the card information included in the; and using the confirmed customer information, the payment approval history information and / or the accumulated information of the payment approval history and / or payment authorization information and / or Alternatively, the information on the payment approval details may be added to the accumulated amount information of the amount approved for payment by adding the information of the identified customer's characteristics such as gender, age (area), region, occupation, etc. Generate payment information and / or the payment approval request text using the supplier collection card for supplying the goods of the company, the merchant approval information for purchasing the goods, the payment approval history information and / or the And information processing means for generating information corresponding to the payment approval details in addition to the accumulated information of payment approval details and / or payment approved amount information and / or accumulated payment information of payment approved amounts. Can be.

According to an embodiment of the present invention, the information providing means, the storage medium for storing the payment approval history information for each affiliated store and / or the information corresponding to the payment approval history in the company server (or server associated with the company server) In the case where the data is already built, the information stored in the storage medium is updated in real time or periodically in association with the company server (or a server linked to the company server).

According to the present invention, the information corresponding to the payment approval details for each affiliate store includes cumulative information (or sales information) of the amount of payment approved for each time zone and / or date for each merchant, and the characteristics-gender of payment customers for each merchant; Age (large), region, occupation, etc.-In the case of specialized payment approval request using the supplier collection card, characterized in that it comprises at least one or more merchant information to purchase the company's goods.

On the other hand, the respective means provided in the card payment approval information operating system is characterized in that it is provided in a single server (or device) or a plurality of servers (or devices).

On the other hand, the card payment approval information operating method according to the present invention, at least two merchants (or merchant terminal) in a predetermined information storage means and / or supplies the goods to at least two or more merchants, using a supplier collection card An information storage step of linking and processing the company information for payment processing and affiliated store specific information (or affiliated store specific terminal information) for each of the plurality of affiliated stores in a predetermined storage medium; In the payment approval processing corresponding to the payment approval request text, the payment approval text and / or the payment approval request text is approved by predetermined information extracting means to correspond to merchant specific terminal information and / or merchant specific terminal information. An information extraction step of extracting affiliate store specific information; An information checking step of confirming whether there is a company information stored in association with the extracted affiliated store's unique terminal information and / or the affiliated store's unique information in association with the storage medium (or the storage medium operating means) in a predetermined information checking means; As a result of the checking, when there is the affiliated store's unique terminal information and / or the company information stored in association with the affiliated store's unique information, the payment approval history information and / or the payment approval history information (or payment) in a predetermined information storage means. Information corresponding to the payment approval details generated using the accumulated information of the approval details) by storing the information corresponding to the payment approval details stored in the storage medium in association with or stored in the storage medium, or in the payment approval history information and / or the payment approval history. An information storing step of storing corresponding information in association with the affiliated store specific information and company information in a second storage medium; And providing information corresponding to the payment approval history information and / or information corresponding to the payment approval history stored in the storage medium (or the second storage medium) to the company in a predetermined information providing means in real time or periodically. It characterized in that it comprises a step.

According to the present invention, the card payment approval information operating method, the predetermined information processing means, the payment approval history information and / or the payment for each affiliated store operated by the company stored in the storage medium (or second storage medium) By accessing the accumulated information of the approval details, extracting and / or adding the accumulated amount information of the payment approved amount information and / or the payment approved amount information from the payment approval history information to obtain information corresponding to the payment approval details. Create and / or check payment approval processing time zones and / or dates, corresponding to payment approval details by time zone and / or date-payment approval details information and / or accumulated information of the payment approval details and / or Or generate payment authorization information and / or cumulative amount information of the payment authorization amount, and / or associate customer information with customer card information. Check the customer information corresponding to the card information included in the payment approval history in association with a storage medium (or storage medium operation means) stored therein, and using the confirmed customer information, the payment approval history information and / Or in the accumulated information of the payment approval history and / or the amount of payment approved information and / or the amount of payment approved information, the characteristics of the identified customer-gender, age (large), region, occupation, etc. Merchant information for purchasing the goods by adding information to generate information corresponding to the payment approval details, and / or the payment approval request text using a supplier collection card that supplies the goods of the company. The payment approval history information and / or the accumulated information of the payment approval history and / or payment approval amount information and / or payment approval processing And in addition to the accumulated amount information of the liquid further comprises an information generation step of generating information corresponding to the payment authorization is characterized in that formed.

In addition, according to an embodiment of the present invention, the information providing step, storing the payment approval history information and / or information corresponding to the payment approval history for each affiliated store in the company server (or server associated with the company server). If the storage medium is already built, in conjunction with the company server (or server associated with the company server), characterized in that it comprises the step of updating the information stored in the storage medium in real time or periodically.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the at least one card payment approval information operating method.

On the other hand, the card payment approval information management server according to the present invention, the payment approval history classification unit for classifying the payment approval history processed by the merchant corresponding to the specific company; An information storage unit for processing payment approval history information classified for each merchant corresponding to the specific company and / or information corresponding to the payment approval history in association with merchant-specific information and the specific company information and storing the payment approval history information in a predetermined storage medium; And an information transmitter for transmitting the payment approval history information and / or the information corresponding to the payment approval history stored in the storage medium to the specific company server in real time or periodically.

On the other hand, the information storage medium according to the present invention, operating at least two or more merchants (or merchant terminals) and / or supplies goods to at least two or more merchants, and stores the company information for payment processing using the supplier collection card Company information data files; An affiliate store information data file for storing affiliate store specific information (or affiliate store unique terminal information) for each of a plurality of affiliate stores corresponding to the company; And a payment approval information data file for storing payment approval history information for each affiliate store corresponding to the company and / or information corresponding to the payment approval details. The company information data file and the merchant information data. And storing the file and the payment approval information data file in a cooperative process.

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 are to be described with reference to the preferred embodiment of the 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 will be 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.

Accordingly, the technical spirit of the present invention is determined by the claims, and the following embodiments are merely means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. Reveal that

1 is a diagram illustrating a card payment approval information operating system 100 according to an embodiment of the present invention.

More specifically, Figure 1 is a card that collects payment approval information, or franchise merchant payment approval information using the goods supplier collection card for each company, stored in a predetermined storage medium, the card to provide the stored information for each company Regarding one embodiment of the payment approval information management system 100, those of ordinary skill in the art to which the present invention pertains, payment approval using the goods supplier collection card by referring to and / or modifying the drawing 1 It is possible to infer more various implementation methods for receiving, collecting and storing information, or franchise merchant approval information, and providing the stored information for each company, but the present invention may be inferred by the inferred implementation method. It is not to be limited.

In addition, the collection card according to the present invention is owned by a supplier supplying a predetermined article, and is used through the affiliated store terminal 140 provided in a predetermined affiliate store where the supplier intends to supply the article. 140 first reads the collection card information and then reads the goods buyer card for payment processing.

When the payment approval request is made through the affiliated store terminal 140, the supplier uses the affiliated store terminal 140 as a user (or company) payment terminal, and more specifically, the affiliated store terminal 140 has a unique number. It will be changed to a number to generate the full payment approval request and send it to the server on the network.

At this time, the merchant terminal 140 is a unique code corresponding to the unique number of the merchant terminal 140 on a predetermined memory in order to prevent confusion or difficulty in managing the changed merchant terminal 140 in a server on the network. When generating a payment approval request full text using the unique number of the merchant terminal 140, extract a unique code previously stored in the memory, inserts into the predetermined area of the generated payment approval request full text, the unique The full text of the payment approval request with the code inserted can be transmitted to a server on a communication network.

When the payment approval request using the collection card according to the present invention, an example of the full payment approval request inserted with the unique code generated through the merchant terminal 140 is shown in Figure 16 below.

According to the present invention, the collection card, MS (Magnetic Stripe) card, IC (Integrated Circuit) (IC) card, preferably comprises at least one or more wireless IC chip mounted and / or detached to a predetermined mobile phone, The card storage information preferably comprises an applet (or application) stored on an IC card or an IC chip memory mounted and / or detached from a mobile phone.

For example, when the collection card is an integrated circuit (IC) card, an interface unit for processing data input / output with the affiliated store terminal 140, a memory for storing a predetermined applet (or data), and an applet stored in the memory (or After the data is extracted, the processor may be configured to control the applet (or data) to be provided to the affiliated store terminal 140 through the interface unit.

Here, the applet (or data) stored in the memory of the collection card is terminated at least one or more of the programs that are loaded in the affiliated store terminal 140 and are already running, and stored in the affiliated store terminal 140. It is preferable to execute a function of driving a specific program among the programs or converting the screen configuration and / or function set in the affiliated store terminal 140 into a specific screen configuration and / or a specific function.

According to another embodiment, if the collection card is an MS (Magnetic Stripe) card, the merchant terminal 140 program in the Track II storage area of the MS card to drive the terminal program provided in the merchant terminal 140 Code information for driving of may be stored.

In addition, according to the present invention, the affiliated store terminal 140, the specific collection card (or specific company collection card) storage information, the terminal execution program code corresponding to the specific collection card (or specific company collection card) and the terminal The execution program is linked and stored, and when the collection card is read, the specific code and the specific collection card storage information is read from the collection card, and the read specific code and the specific collection card storage information are stored in the affiliated store terminal 140. When a specific collection card (or a specific company collection card) stored information and a specific collection card (or a specific company collection card) are stored in a predetermined storage area (for example, a memory such as a ROM), the specific collection card ( Or by executing a terminal execution program corresponding to the specific company collection card) storage information and the specific collection card (or the specific company collection card). It is preferable to generate a full payment processing approval request using a collection card and transmit it to a server on a network.

Referring to FIG. 1, the card payment approval information management system 100 operates at least two or more affiliate stores (or affiliate terminal 140) and / or supplies goods to at least two or more affiliate stores, and a supplier collection card. A storage medium for linking and storing company information for payment processing and affiliate store specific information (or affiliate store specific terminal information) for each of the plurality of affiliate stores, and data receiving means 105 for receiving a predetermined payment approval request message; A payment approval processing means 110 for processing a payment approval corresponding to the payment approval request text, and the payment approval approval text and / or the payment approval request text and read the payment approval request text; Information extraction means 115 for extracting affiliate store specific information corresponding to affiliate store specific terminal information, and the storage medium (or storage medium operation number); And information checking means 120 for confirming whether the extracted affiliated store's unique terminal information and / or the company information stored in association with the affiliated store's unique information exist, and as a result of the checking, the affiliated store's unique terminal information and / Or when there is company information stored in association with the affiliate store's unique information, the payment approval history information generated by using the payment approval history information and / or the payment approval history information (or accumulated information of the payment approval history). The information stored in the storage medium in association with the merchant-specific information previously stored in the storage medium, or the information corresponding to the payment approval history information and / or payment approval history in association with the merchant-specific information and company information, the second Information storage means for storing in a storage medium (125) and the storage medium (or the second storage medium) And an information providing means 130 which provides payment approval history information for each affiliate store and / or information corresponding to the payment approval history to the company in real time or periodically.

According to the present invention, the card payment approval information management system 100 may be located on a VAN, a VAN company server, or may be located on a network interworking with the VAN company server.

According to FIG. 1, the company information for operating the at least two or more affiliate stores (or affiliated store terminals 140) and / or supplying goods to at least two or more affiliate stores, and using the supplier collection card to process payment and the plurality of companies A storage medium for linking and storing affiliate store specific information (or affiliate store specific terminal information) for each affiliate store is referred to as a first storage medium, and information corresponding to the payment approval history information and / or the payment approval history is unique to the affiliate store. And a storage medium that is stored in association with company information and referred to as a second storage medium.

Here, the first storage medium and the second storage medium may be implemented as the same storage medium, and in FIG. 1, the first storage medium and the second storage medium are described to clarify the storage information stored in each storage medium. It is clearly shown in the figure.

In addition, according to an embodiment of the present invention, the storage medium is implemented in the form of a predetermined database management system (DBMS), and / or in the form of a predetermined data server, and / or a predetermined card payment. It is possible to all be implemented in the form of information storage-related function component provided in the approval information management system 100, whereby the present invention is not limited.

The data receiving means 105, as shown in Figure 16 below, the card payment approval request full text requested from the affiliated store (or affiliated store terminal 140) operated by the company or the merchant supplying a predetermined item in the company Receives, and transmits the received card payment approval request full text to the payment approval processing means 110 to perform a payment approval procedure, and further provides the card payment approval request full text to the information extraction means 115 To read the full text of the payment approval request.

The payment approval processing means 110 receives the received card payment approval request message from the data receiving means 105, checks card information included in the payment approval request message, and corresponds to the card information. By transmitting the full payment approval request to the card company server, characterized in that the processing of the requested card payment approval in conjunction with the card company server.

The information extracting means 115 receives the received card payment approval request text from the data receiving means 105, reads the card payment approval request text, and includes a merchant-specific terminal included in the card payment approval request text. And extracting affiliate store specific information corresponding to the information or the affiliate store specific terminal information.

According to an embodiment of the present invention, the affiliated store terminal 140 stores a unique code corresponding to the unique number of the affiliated store terminal 140 on a predetermined memory, and uses the unique number of the affiliated store terminal 140 to approve payment. When generating the request message, the unique code pre-stored in the memory is extracted, inserted into a predetermined area of the generated payment approval request message, and the payment approval request message with the unique code inserted into the data receiving means 105. In this case, the information extracting means 115 checks the unique code corresponding to the unique number of the affiliated store terminal 140 included in the full card payment approval request, and confirms the affiliated store information corresponding to the unique code. Can be.

The information checking means 120, when the information extracting means 115 extracts the affiliated store's unique terminal information from the full card payment approval request message, the information is stored in association with the extracted affiliated store's unique terminal information and stores the stored company information. 1 characterized in that the check from the storage medium (or storage medium operating means).

The information storing means 125 is stored in association with the affiliated store's unique terminal information and / or the affiliated store's unique information from the first storage medium (or the storage medium operating means) as a result of the confirmation of the information checking means 120. If the company information exists, merchants previously stored in the storage medium for information corresponding to the payment approval history generated using the payment approval history information and / or the payment approval history information (or accumulated information of the payment approval history). It is characterized by storing in association with the unique information.

According to the present invention, the card payment approval information operation system 100 corresponds to the payment approval details generated by using the payment approval history information and / or the payment approval history information (or accumulated information of payment approval history). It may be configured to further include information processing means 135 for generating the information to be.

According to the embodiment of the present invention, the information processing means 135, if the payment approval request is received from the merchant terminal 140, the payment approval processing for the payment approval request is successful, the payment approval After confirming the merchant information included in the request message and the company information corresponding to the affiliated store, the payment approval history information and / or the payment approval history for each affiliated store operated by the company stored in the storage medium (or the second storage medium). Accessing the accumulated information of the access information, when the payment approval history information for each affiliated store operated by the company stored in the storage medium (or the second storage medium) is accessed, the payment approval history information Amount information can be summed up.

In addition, when accessing the accumulated information of the payment approval history for each affiliated store operated by the company stored in the storage medium (or the second storage medium), the amount of the payment approval information on the accumulated information of the access payment approval history Can be accumulated.

The payment approval history information and / or the cumulative / summing information of the payment approval history for each affiliated store operated by the company are shown in more detail in FIG. 10 below.

According to another preferred method, the information processing means 135, if the payment approval request is received from the merchant terminal 140, the payment approval processing for the payment approval request is successful, the payment approval processing Checking the time zone and / or the date, the information corresponding to the payment approval history by time zone and / or date (e.g., payment approval history information and / or accumulated information of the payment approval history and / or payment authorization information) And / or cumulative amount information of the payment approved amount) may be generated as shown in FIG. 12 or 14 below, and will be described in more detail with reference to FIG. 12.

According to another preferred embodiment, the information processing means 135, when the payment approval request is received from the merchant terminal 140, the payment approval process for the payment approval request is successful, the customer information And the customer information corresponding to the card information included in the payment approval details in association with a storage medium (or a storage medium operating means) for storing and cooperatively processing the customer card information, and using the confirmed customer information, The identified customer's characteristics (eg, gender, age) in the payment approval history information and / or the accumulated information of the payment approval history and / or the payment approved amount information and / or the accumulated amount information of the payment approved amount (Large), region, occupation, etc.) information can be added to generate information corresponding to the payment approval details, the characteristics of the customer (eg, gender, age ( Large), region, occupation, etc.) Information added payment approved amount information and / or cumulative amount information of the payment approved amount will be described in more detail with reference to Figure 15 below.

According to another preferred embodiment, the information processing means 135, if the payment approval request is received from the merchant terminal 140, the payment approval processing for the payment approval request is successful, the payment approval It is determined whether the request text is a payment approval request text using a supplier collection card for supplying the goods of the company, and the merchant information for purchasing the goods is stored in the payment approval history information and / or the accumulated information of the payment approval history and / or In addition to the payment approved amount information and / or the cumulative amount information of the payment approved amount information can be generated information corresponding to the payment approval details, the payment approval request professional collects the supplier supplying the goods of the company Payment authorization information and / or payment authorization gold for full credit card authorization requests Accumulated amount information of the amount will be described in more detail with reference to FIG. 11 below.

According to the present invention, the information storage means 125, through the information processing means 135, the payment approval history information and / or information corresponding to the payment approval history generated by the merchant specific information and company information It is characterized in that for storing in the second storage medium in association with the processing.

The information providing means 130 stores the payment approval history information and / or the information corresponding to the payment approval history stored in the storage medium (or the second storage medium) through the information storage means 125 When the stored information is provided to the company in real time or periodically, in particular, the payment approval history information for each affiliate store and / or the information corresponding to the payment approval history are stored in the company server (or a server associated with the company server). If the storage medium is already built, the information providing means 130, in conjunction with the company server (or server associated with the company server), in real time or periodically updating the information stored in the storage medium in real time It is preferable.

In the embodiments described below, for convenience, at least one or more function configuration means included in the card payment approval information operation system 100 described in FIG. 1 may include a function configuration unit (eg, a data receiving unit, an information extraction unit, an information confirmation unit, An information storage server, an information processing unit, an information providing unit, etc.) will be described as storing and operating the card payment approval information through the card payment approval information operation server 100.

2 is a view showing a preferred operating process of the card payment approval information according to an embodiment of the present invention.

In more detail, FIG. 2 shows a company information that operates at least two affiliate stores (or affiliate terminals 140) and / or supplies goods to at least two affiliate stores, and processes payment using a supplier collection card. In conjunction with a storage medium for linking and storing affiliate store unique information (or affiliate store specific terminal information) for each affiliate store, the card payment approval request message transmitted from the affiliate store 140 is received and read, and the store store unique information ( Or extracting merchant-specific terminal information) and checking company information corresponding to the extracted merchant-specific information (or merchant-specific terminal information) on the storage medium, and storing the payment approval details in association with the company information. (E.g., accumulation of payment approval details) or linked to the company information Through more than storage card payment approval information management server 100 to perform a function that illustrates the process of a card payment authorization information management.

Referring to Figure 2, the card payment approval information management process shown in the card payment approval information management server 100 stores a predetermined amount by linking the company information and a plurality of merchant-specific information payment processing using a supplier collection card It may be started from the process of storing in the medium (200).

According to another exemplary embodiment, the card payment approval information operation process may include storing predetermined company information linked to a plurality of affiliated stores and company information processed using a supplier collection card in the card payment approval information operation server 100. It may be initiated from the process of accessing (or interlocking) the storage medium (or storage medium operating means).

Then, the card payment approval information operation server 100 checks whether the payment approval request message received from the affiliate store is received (205), and when the payment approval request message is received from the merchant (210), the card payment approval information The operation server 100 reads the received payment approval request text and extracts merchant specific information (eg, merchant unique number, merchant terminal 140 unique number, etc.) (215).

According to the exemplary embodiment of the present invention, the card payment approval information operation server 100 is unique to the affiliated store terminal 140 among the specialized items of the payment approval request message when the payment approval request message as shown in FIG. 16 is received. The unique code corresponding to the number may be identified and a unique number corresponding to the affiliated store terminal 140 corresponding to the unique code may be obtained, wherein the storage medium has a unique number corresponding to the unique number of the affiliated store terminal 140 and the corresponding unique code. It is preferable that the cards are stored in association with each other.

When the affiliated store specific information is extracted from the full payment approval request message, the card settlement approval information operation server 100 checks whether the company information corresponding to the extracted affiliated store unique information exists in association with the storage medium (220). ).

If the company information corresponding to the extracted affiliate store specific information is confirmed from the storage medium (225), the card payment approval information operation server 100 may collect the accumulated payment approval information for each affiliate corresponding to the payment approval details. Create 230.

Here, the information generated in response to the payment approval details, when the payment approval history information and / or the accumulated information of the payment approval history for each affiliated store operated by the company from the storage medium is confirmed, the confirmed The payment approval information and / or the accumulated information of the payment approval history includes information generated by adding or accumulating the payment approval amount information included in the full text of the payment approval request.

In addition, the information generated in response to the payment approval details, the payment approval processing time information or date information from the payment approval request request, by confirming the time- or date-specific payment approval history information or the time period or It may include accumulated information of payment approval details by date, or may include information on the amount of payment approval details of the confirmed time period or date or the amount of payment approval details by time period or date.

Here, the payment approval history information for each time zone or date includes payment approval request merchant information for the specific time zone or date, the payment approval request count information for a specific merchant for each specific time zone or date, and the like. It may include.

In addition, the information generated corresponding to the payment approval details, when the card payment approval information management server 100 confirms the customer card information requesting the card payment approval through the affiliated store (for example, full card payment approval request) Customer information corresponding to the card information included in the payment authorization details, in connection with a storage medium (or storage medium operating means) for storing and processing the customer information and the customer card information in association; The information may be generated using the confirmed customer information, wherein the information generated using the customer information includes the payment approval history information and / or the accumulated information of the payment approval history. And / or the characteristics of the identified customer (e.g., in the payment amount information and / or the accumulated amount information of the payment approved amount). It may contain information that is generated by adding specific and age (large), regional, vocational, etc.) information.

In addition, the information generated by the addition of the characteristic information of the customer, the merchant use information, payment amount information, the merchant use information, payment amount information according to the specific age group of the customer, the customer specified using the card It can be a merchant use information and payment amount information according to the region.

In addition, the information generated by the addition of the characteristic information of the customer may include information generated according to at least two or more characteristics of the customer, for example, in the 30s (customer characteristic 1) male (customer characteristic 2) Merchant use information, payment amount information can be generated.

In addition, the information generated in response to the payment approval details, if the payment approval request is a full payment approval request using a supplier collection card for supplying the goods of the company (for example, the payment of the goods supplier in the payment approval request full Confirming card information, etc.), and merchant information (eg, merchant name, merchant unique number, merchant terminal 140 unique number, etc.) for purchasing the goods, and accumulating the payment approval history information and / or the payment approval history. In addition to the accumulated information and / or payment approved amount information and / or cumulative amount information of the payment approved amount information, payment approval history information for each merchant corresponding to the collection card may be generated. Is shown in more detail in Figure 11 below.

As described above, when information corresponding to the payment approval history is generated using the payment approval history information and / or the payment approval history information (or accumulated information of the payment approval history), the card payment approval information operation server 100 is generated. ) Stores the generated information in a second storage medium in association with the affiliated store's unique information and company information (235) and periodically transmits information corresponding to the payment approval history stored in the second storage medium to the company server. Alternatively, by providing in real time (240) or at the request of the company server provides information corresponding to the payment approval details.

3A, 3B, 3C, and 3D illustrate a preferable generation process of information corresponding to payment approval details according to an exemplary embodiment of the present invention.

3A, 3B, 3C, and 3D illustrate the payment approval for each merchant corresponding to the payment approval details through the card payment approval information operation server 100 in the card payment approval information operation process shown in FIG. The process of generating cumulative information and the like is described in more detail.

In particular, Figure 3a is a storage medium (or second storage medium) is stored in the card payment approval information management server 100 stores the payment approval history information and / or the accumulated information of the payment approval history for each affiliated store operated by the company Approaching, extracts the payment approval amount information and / or the cumulative amount information of the payment approved amount information from the payment approval history information to generate the information processing the sum of the payment approval processing amount included in the full payment approval request; It's about the process.

Referring to Figure 3a, the process of generating the payment approval cumulative information for each merchant corresponding to the payment approval details according to an embodiment of the present invention, as described through the process of Figure 2, the card payment approval information The operation server 100 may start from reading the full payment approval request message transmitted from the affiliated store terminal 140 to extract the affiliated store specific information and confirm company information corresponding thereto (300a).

Then, the card payment approval information operation server 100 checks payment approval details (cumulative) information for each affiliate store associated with the company information in association with a storage medium (or a second storage medium) (305a). When payment approval history (cumulative) information for each affiliate associated with company information is confirmed (310a), the card payment approval information operation server 100 from the storage medium (or the second storage medium) the payment approval for each merchant confirmed Details (cumulative) information is extracted (315a).

The card payment approval information operation server 100 accumulates or adds the detail information according to the payment approval request to the payment approval history (cumulative) information for each affiliate store extracted from the storage medium (or the second storage medium). 320a.

In addition, the card payment approval information operation server 100 stores the payment approval (cumulative) information for each affiliated store that has been accumulated or aggregated in a storage medium (or a second storage medium) in association with the affiliated store's unique information and company information. In operation 330a, cumulative payment approval information for each affiliated store stored in the storage medium (or second storage medium) is periodically provided (or real time) to the company server (330a).

According to another exemplary embodiment of the present invention, FIG. 3b receives the full text of the card payment approval request transmitted from the affiliated store terminal 140 at the card payment approval information operation server 100, and the payment approval processing time zone and / or date. To confirm the information corresponding to the confirmed time period and / or date payment approval history (e.g., payment approval history information and / or cumulative information of the payment approval history and / or payment approval amount information and / Or the cumulative amount information of the approved amount of payment).

Figure 3b is described through the process of Figure 2, the card payment approval information management server 100 to read the full payment approval request received from the merchant terminal 140 to extract the merchant specific information and respond The process may be started from the process of confirming the company information (300b).

When the company information corresponding to the extracted affiliated store specific information is confirmed (305b), the card payment approval information operation server 100 is linked with the storage medium (or the second storage medium), the payment approval processing time zone (or The payment approval history (cumulative) information corresponding to the date) is checked (310b).

When the payment approval history (cumulative) information is confirmed (315b), the card payment approval information management server 100 from the storage medium (or second storage medium), corresponding to the payment approval processing time zone (or date) Payment approval history (cumulative) information is extracted (320b).

The card payment approval information operation server 100 may include details of the payment approval information (cumulative) information corresponding to a time zone (or date) extracted from the storage medium (or the second storage medium) according to the payment approval request. Is cumulative or summed (325b).

In addition, the card payment approval information operation server 100 stores the payment approval (cumulative) information for each affiliated store that has been accumulated or added to the storage medium (or second storage medium) in association with the affiliated store's unique information and company information. In operation 330b, cumulative payment approval information for each affiliated store stored in the storage medium (or second storage medium) is periodically provided (or real time) to the company server (335b).

According to another embodiment of the present invention, Figure 3c is a card payment approval information operation server 100 after receiving the full card payment approval request message transmitted from the affiliated store terminal 140, and then linked customer information and customer card information In connection with a storage medium (or a storage medium operating means) for processing and storing, confirming customer information corresponding to the card information included in the payment approval history of the card payment approval request specialist, and using the confirmed customer information, The identified customer's characteristics (eg, gender, age) in the payment approval history information and / or the accumulated information of the payment approval history and / or the payment approved amount information and / or the accumulated amount information of the payment approved amount (Large), region, occupation, etc.) to generate information corresponding to the payment approval details.

Referring to FIG. 3C, as described through the process of FIG. 2, the card payment approval information operation server 100 may start from receiving the full payment approval request message transmitted from the affiliated store terminal 140. 300c.

Then, the card payment approval information operation server 100 corresponds to the card information included in the payment approval details in association with a storage medium (or a storage medium operating means) for storing and processing the customer information and the customer card information in association. Check the customer information (eg, customer gender, customer age (large), customer card usage region, customer occupation, etc.) (305c).

When the card use customer information is confirmed from the storage medium (or the storage medium operating means) (310c), the card payment approval information management server 100 from the storage medium (or the second storage medium), the confirmed customer The payment approval history (cumulative) information corresponding to the information is extracted (315c).

Then, the card payment approval information management server 100 is the payment approval history (cumulative) information corresponding to the customer information extracted from the storage medium (or second storage medium) the confirmed customer information (gender, age, Job, etc.) (320c) to generate payment approval history (cumulative) information according to the customer information (e.g., gender, age, job, etc.) (325c), and payment approval according to the generated customer information ( Cumulative) information and the like is stored in the storage medium (or the second storage medium) in association with the customer information (330c).

According to another embodiment of the present invention, Figure 3d after receiving the card payment approval request message transmitted from the affiliated store terminal 140 in the card payment approval information operation server 100, the received card payment approval request message If it is determined that the payment approval request using the supplier collection card for supplying the goods of a specific company, the merchant information for purchasing the company goods is the payment approval history information and / or accumulated information of the payment approval history and / Alternatively, the present invention relates to a process of generating information corresponding to the settlement approval details in addition to the settlement approval amount information and / or the accumulated settlement information of the settlement approval amount.

Referring to FIG. 3D, the card payment approval information operation server 100 may start from receiving the full payment approval request message from the affiliated store terminal 140 purchasing the company goods (300d).

Then, the card payment approval information operation server 100 checks whether the received payment approval request is a payment approval request using a collection card (305d).

For example, when using a collection card (a collection card of a goods supplier), the unique number of the affiliated store terminal 140 assigned to the affiliated store terminal 140 is changed to a preset supplier terminal number so that the supplier stores the affiliated store terminal 140. In this case, the card payment approval information operation server 100 may be a unique number of the merchant terminal 140 in the payment approval request message, such as the payment approval request message shown in FIG. By including the unique code corresponding to the check, or confirming whether the payment approval request full text collection receipt card from the collection card, such as the payment approval request full text shown in Figure 16b, the received payment approval request full text It can be checked whether the payment approval request is made using the collection card.

If, as a result of the check, the full payment approval request is a payment approval request message using the collection card (310d), the card payment approval information operation server 100 checks the merchant information transmitted the full payment approval request message. (315d).

Here, the process of confirming the merchant information that the card payment approval information operation server 100 transmits the payment approval request message is complete, as shown in FIG. 2, the merchant terminal included in the payment approval request message ( 140) by extracting a unique code corresponding to the unique number, and confirming the merchant information corresponding to the extracted unique code is possible.

When the affiliated store information that transmits the full payment approval request is confirmed through the above process, the card settlement approval information operation server 100 additionally applies the confirmed affiliated store information to the settlement approval history information or the settlement approval history cumulative information. (320d), the payment approval history information or payment approval history (cumulative) information to which the affiliated store information is added (325d), the payment approval history information or payment approval (cumulative) information to which the generated merchant information is added; Store in a second storage medium in association with the affiliated store information (330d).

4 shows an information storage medium 1 according to an embodiment of the present invention.

FIG. 4 is a diagram showing interlocked with the card payment approval information operating system 100 shown in FIG. 1 or stored in the storage medium 1 included in the card payment approval information operating system 100. 1) shows a relationship between the storage information of the storage medium 1 that is organically connected and stored within.

Referring to this drawing, the illustrated storage medium operates the at least two or more affiliated stores (or affiliated store terminals 140) and / or supplies goods to at least two or more affiliated stores, and uses a supplier collection card to process payment. And storing the information and affiliated store specific information (or affiliated store specific terminal information) for each of the plurality of affiliated stores, but the first storage medium shown in FIG. 4 and the second storage medium shown in FIG. Specifies that the same storage medium may be implemented.

Referring to Figure 4, the storage medium 1 is characterized in that the company information and merchant information is stored in association with each other, the company information and merchant information is as shown in Figure 9 to Figure 12, according to the present invention The card payment approval information management system is stored in order to derive information related to payment approval details for each affiliated store associated with the company. An embodiment of the company information is shown in FIG. 5 below. One embodiment of the merchant information is shown in FIG. 6 below. .

5 is a table showing company information according to an embodiment of the present invention in a table.

Figure 5 shows in more detail the company information stored in the storage medium (1) shown in Figure 4, the company information, the company name, company address, business registration number, company contact, company homepage address (company server Access address), and the like.

FIG. 6 is a table illustrating affiliate store information according to an exemplary embodiment of the present invention.

FIG. 6 illustrates in detail the affiliated store information stored in the storage medium 1 shown in FIG. 4, wherein the illustrated affiliated store information is information about the affiliated store associated with the company information. It may be configured to include information, such as a unique store number, the merchant terminal 140 unique number, the unique code corresponding to the merchant terminal 140 unique number, merchant address, merchant contact information.

7 shows an information storage medium 2 according to an embodiment of the present invention.

FIG. 7 illustrates interlocked with the card payment approval information operating system 100 shown in FIG. 1 or stored information stored in the storage medium 2 included in the card payment approval information operating system 100. 2) is a view showing the relationship between the storage information stored in the storage medium (2) organically connected within the storage medium (2) shown in the at least two or more affiliated stores (or affiliated stores) stored in the storage medium (1) Terminal 140) and / or supplies goods to at least two or more merchants, and the payment process using the supplier collection card and the merchant-specific information (or merchant-specific terminal information) for each of the plurality of merchants and the present Payment approval history (cumulative) according to the invention is characterized in that the information is stored in association.

In addition, as described above, in the second storage medium shown in FIG. 7, the first storage medium shown in FIG. 4 may be implemented as the same storage medium.

Referring to FIG. 7, the card payment approval information operating system 100 according to the present invention accumulates the payment approval history information and / or the payment approval history for each affiliated store operated by the company stored in the illustrated storage medium 2. The information corresponding to the payment approval history may be generated by extracting and / or summing up the payment approved amount information and / or the accumulated amount information of the payment approved amount from the payment approval details information. .

In addition, the card payment approval information management system 100 checks the payment approval processing time zone and / or date, the information corresponding to the payment approval history by time zone and / or date-payment approval history information and / or payment approval The accumulated information of the details and / or the payment approved amount information and / or the accumulated amount information of the payment approved amount may be generated.

In addition, the card payment approval information management system 100 is associated with the card information included in the payment approval details in association with a storage medium (or storage medium operating means) for storing and processing the customer information and customer card information in association Confirming customer information and using the confirmed customer information, cumulative information of the payment approval history information and / or payment approval history and / or payment approved amount information and / or payment approved amount The information corresponding to the payment approval details may be generated by adding the information on the identified characteristics of the customer, such as gender, age, area, occupation, etc., to the amount information.

In addition, the card payment approval information management system 100, if the payment approval request is a payment approval request professional using a supplier collection card for supplying the goods of the company, the merchant approval information for purchasing the goods the payment approval history information And / or in addition to the accumulated information of the payment approval details and / or the amount of payment approved payment information and / or the accumulated amount information of the payment approved payment information, information corresponding to the payment approval details may be generated.

8 is a diagram illustrating a general card payment approval history according to a card payment approval request provided from a predetermined merchant terminal 140.

8 illustrates a general data table of card payment approval details, wherein the card payment approval details collected through the card payment approval information operation system 100 according to the present invention are specified as shown in FIGS. 9 to 15 below. Information rolls may be processed and generated, including information (eg, by merchant, by customer characteristic, by company, etc.).

FIG. 9 illustrates the storage medium 1 shown in FIG. 4 as a predetermined data table according to an embodiment of the present invention, wherein the company information and the affiliated store information are interconnected.

FIG. 10 is a diagram illustrating a payment approval process processed for each affiliated store according to the present invention as a data table.

FIG. 11 is a table showing payment approvals processed through a collection card for each affiliated store according to the present invention as a data table.

FIG. 12 is a table showing payment approval details processed by time zones for each affiliated store according to the present invention as a data table.

Referring to FIG. 12, the card payment approval information operation system 100 checks the payment approval processing time zone and / or date of each merchant for each company, and corresponds to information corresponding to payment approval details by time zone and / or date (eg, Payment approval details and / or accumulated information of the payment approval details and / or payment approved amount information and / or accumulated amount information of the payment approved amount).

FIG. 13 is a diagram illustrating a payment approval list processed at a specific affiliated store according to the present invention as a data table.

14 is a view showing a data table sorted by payment approval processing date and time for the payment approval history processed in a particular affiliated store according to the present invention.

Referring to FIG. 14, the card payment approval information operating system 100 checks the payment approval processing time zone and / or date for each merchant, and corresponds to information (eg, payment approval) for payment approval by time zone and / or date. Details information and / or accumulated information of the payment approval details and / or payment approved amount information and / or accumulated amount information of the payment approved amount).

FIG. 15 is a diagram illustrating a data table sorting payment approvals processed at a specific affiliate store according to customer characteristics according to the present invention.

Referring to FIG. 15, the card included in the payment approval details in association with a storage medium (or a storage medium operating means) in which the card payment approval information operation system 100 stores the customer information and the customer card information in a cooperative process. Confirming customer gender information corresponding to the information, and using the confirmed customer gender information, accumulated payment information and / or payment approval information and / or payment approved amount information and / or payment It is an exemplary view of generating information corresponding to the payment approval details by adding the confirmed customer gender information to the accumulated amount information of the approved amount of money.

16A and 16B are exemplary views of the full payment approval request according to an embodiment of the present invention.

Figure 16a is a diagram illustrating the full payment approval request generated in the merchant terminal 140 according to an embodiment of the present invention, in more detail Figure 16a is a card payment shown in Figure 1 from the merchant terminal 140 As an embodiment of the method for the full payment approval request for credit payment transmitted to the approval information operation system 100, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 16a. In order to infer various implementation methods including (or inserting) unique code information according to the present invention in a payment approval request corresponding to each card payment, the present invention includes all the inferred implementation methods, and It is to be understood that the present invention is not limited by the inferred method of implementation.

Referring to FIG. 16, the payment approval request full-text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And a checksum (CRC-CCITT) for the specialized information after the terminating character, and a transaction classification item (eg, credit approval request, credit cancellation cancellation, etc.) related to the credit card settlement; A Terminal_ID item for the affiliated store terminal 140, a POS Entry Mode item, and a TRACK II Data item corresponding to payment means information obtained from a predetermined card through a card reader provided in the affiliated store terminal 140 (eg, Credit card information obtained from the Primary Account Number (PAN) area of TRACK II and additional data (AD) and / or Discretionary Data (DD) area of the MS Card, or credit card information obtained from the credit card file of the IC card) It includes the number of installment months, the total amount of money, and the service fee, which correspond to the credit card payment information after the predetermined file separator (0X1C), and also includes the working key index item, password item, product Code item and document serial number item are included. Persons of ordinary skill in the art to which the present invention pertains will clearly understand the details of each item included in the credit card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

According to the present invention, the payment approval request specialized professional information item 14 may include (or insert) unique code information according to the present invention, and the specialized information item 3 may include conventional terminal number information.

Figure 16b is a diagram illustrating the full payment approval request generated by the merchant payment terminal 200 in accordance with another embodiment of the present invention, if the person having ordinary knowledge in the art to which the present invention belongs, this figure 16b By referring to and / or modifying, it is possible to infer various implementation methods in which the unique code information according to the present invention is included (or inserted) in a payment approval request corresponding to each card payment. It is to be understood that the present invention is not limited by the above-mentioned and inferred implementation methods. In the following description, the description overlapping with the drawing 16a will be omitted for convenience of description.

Referring to FIG. 16B, the payment information requesting specialist's specialized information item 14 includes (or inserts) unique code information extracted from the memory unit of the affiliated store terminal 140, and the specialized information item 3 is collected by the goods supplier. The collection terminal number information extracted from the memory unit may be included based on the collection card information read from the card.

According to the present invention, the card payment approval for collecting payment approval information using the goods supplier collection card, or franchise merchant payment approval information for each company, storing them in a predetermined storage medium, and then providing the stored information for each company. By providing the information management system and method, there is an advantage that can easily grasp the sales information by supplier and sales analysis information by purchase region / purchase time zone.

In addition, there is an advantage that it is possible to easily grasp the purchase status information for each specific merchant and specific merchant area.

Claims (12)

Company information for operating at least two merchants (or merchant terminals) or supplying goods to at least two merchants, and processing payment using a supplier collection card, and merchant information unique to each of the plurality of merchants (or merchant specific terminal information) A storage medium for storing the linked data; Data receiving means for receiving a predetermined payment approval request text; Payment approval processing means for processing payment approval corresponding to the full payment approval request; Information extracting means for extracting the approved payment approval message or the full payment approval request message to extract affiliated store specific terminal information or affiliated store specific information corresponding to the affiliated store specific terminal information; Information checking means for confirming whether or not the company information stored in association with the extracted affiliate store specific terminal information or the affiliate store unique information exists in association with the storage medium (or storage medium operating means); As a result of the check, when the affiliated store specific terminal information or the company information stored in association with the affiliated store unique information exists, the payment approval history information or the payment approval history information (or accumulated information of payment approval history) is used. The information corresponding to the generated payment approval details is stored in association with the merchant specific information previously stored in the storage medium, or the payment approval history information or the information corresponding to the payment approval details is stored with the merchant specific information and the company information. Information storage means for storing the data in a second storage medium by performing a cooperative process; And And information providing means for providing the company with payment approval history information or information corresponding to the payment approval history stored in the storage medium (or the second storage medium) in real time or periodically. Card payment approval information operation system. The method of claim 1, Access to the payment approval history information or the accumulated information of the payment approval history for each affiliated store operated by the company stored in the storage medium (or the second storage medium), the payment information of the payment approval details information or payment Extract and add the accumulated amount information of the approved amount to generate information corresponding to the payment approval details; or Check the payment approval time zone or date, the information corresponding to the payment approval history by time zone or date-payment approval history information or accumulated information of the payment approval history or payment approved amount information or payment approved amount of Create cumulative amount information, or Check the customer information corresponding to the card information included in the payment approval details in association with a storage medium (or a storage medium operating means) that stores and stores the customer information and the customer card information in association with each other, and uses the confirmed customer information. Thus, the customer's characteristics-gender, age (large), region, and the like of the confirmed approval information, the accumulated information of the payment approval history, the payment approved amount information, or the accumulated amount information of the payment approved amount Adding information such as occupation, etc. to generate information corresponding to the payment approval details; or When the payment approval request is a payment approval request message using a supplier collection card for supplying the goods of the company, the merchant approval information for purchasing the goods is the payment approval history information or the accumulated information of the payment approval history or payment approval processing And information processing means for generating information corresponding to the payment approval details in addition to the accumulated amount information or the cumulative amount information of the payment approved processing amount. The method of claim 1, wherein the information providing means, When the storage medium for storing the payment approval history information for each affiliated store or information corresponding to the payment approval history is built in the company server (or a server associated with the company server), In connection with the company server (or server associated with the company server), the card payment approval information management system, characterized in that for updating the information previously stored in the storage medium in real time or periodically. The method according to claim 1 or 2 or 3, wherein the information corresponding to the payment approval details for each affiliated store is Cumulative information (or sales information) of the amounts approved for payment by time and date by merchant; Characteristics of payment customers by merchant-such as gender, age (large), region, occupation, etc. Card payment approval information management system, characterized in that if the payment authorization request professional using a supplier collection card comprises at least one or more merchant information for purchasing the goods of the company. The method according to any one of claims 1 to 3, wherein each of the means, On a single server (or device), or Card payment approval information operating system, characterized in that provided in a plurality of servers (or devices). Company information for operating at least two or more merchants (or merchant terminals) in a predetermined information storage means or supplying goods to at least two or more merchants, and processing payment using a supplier collection card and unique information for each merchant of each of the plurality of merchants ( Or storing information stored in a predetermined storage medium by linking and processing the affiliated terminal specific terminal information; In the payment approval processing corresponding to the payment approval request message, the payment approval approval text or the payment approval request text is read by a predetermined information extracting means, and the merchant specific terminal information or the merchant specific information corresponding to the merchant terminal information. Extracting the information; An information checking step of confirming whether there is a company information stored in association with the extracted affiliated store's unique terminal information or the affiliated store's unique information in association with the storage medium (or storage medium operating means) in a predetermined information checking means; As a result of the checking, when there is the affiliated store's unique terminal information or the company information stored in association with the affiliated store's unique information, the payment approval history information or the payment approval history information (or the accumulation of payment approval history) is stored in a predetermined information storage means. The information corresponding to the payment approval details generated using the generated information) is stored in association with the affiliate store specific information previously stored in the storage medium, or the payment approval history information or the information corresponding to the payment approval details is stored in the affiliate store. An information storage step of storing in a second storage medium in association with the unique information and the company information; And An information providing step of providing to the company in real time or periodically the payment approval history information or information corresponding to the payment approval history stored in the storage medium (or the second storage medium) in a predetermined information providing means; Card payment approval information management method comprising the. The method of claim 6, Access to the payment approval history information or the accumulated information of the payment approval history for each affiliated store operated by the company stored in the storage medium (or the second storage medium) in a predetermined information processing means, payment approval of the payment approval history information Extracts and sums the processed amount information or the accumulated amount information of the processed payment amount to generate information corresponding to the payment approval details; or Check the payment approval time zone or date, the information corresponding to the payment approval history by time zone or date-payment approval history information or accumulated information of the payment approval history or payment approved amount information or payment approved amount of Create cumulative amount information, or Check the customer information corresponding to the card information included in the payment approval details in association with a storage medium (or a storage medium operating means) that stores and stores the customer information and the customer card information in association with each other, and uses the confirmed customer information. Thus, the customer's characteristics-gender, age (large), region, and the like of the confirmed approval information, the accumulated information of the payment approval history, the payment approved amount information, or the accumulated amount information of the payment approved amount Adding information such as occupation, etc. to generate information corresponding to the payment approval details; or When the payment approval request is a payment approval request message using a supplier collection card for supplying the goods of the company, the merchant approval information for purchasing the goods is the payment approval history information or the accumulated information of the payment approval history or payment approval processing And generating an information corresponding to the settlement approval details in addition to the accumulated amount information or the accumulated amount information of the settlement approval amount. The method of claim 6, wherein the information providing step, When the storage medium for storing the payment approval history information for each affiliated store or information corresponding to the payment approval history is built in the company server (or a server associated with the company server), And interworking with the company server (or a server associated with the company server), real-time or periodically updating information previously stored in the storage medium. The method according to claim 6 or 7 or 8, wherein the information corresponding to the payment approval details for each affiliated store is Cumulative information (or sales information) of the amounts approved for payment by time and date by merchant; Characteristics of payment customers by merchant-such as gender, age (large), region, occupation, etc. In the case of a payment approval request specialist using a supplier collection card, the card payment approval information operating method, characterized in that it comprises at least one or more merchant information for purchasing the goods of the company. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 6 to 8. A payment approval history classification unit for classifying payment approval details processed for payment by affiliated stores corresponding to a specific company; An information storage unit for processing the payment approval history information classified for each affiliate store corresponding to the specific company or the information corresponding to the payment approval history in association with affiliate store specific information and the specific company information and storing the payment approval history information in a predetermined storage medium; And Card payment approval information management, characterized in that it comprises a; information transmission unit for transmitting the payment approval history information or the information corresponding to the payment approval history stored in the storage medium to the specific company server in real time or periodically server. A company information data file operating at least two affiliate stores (or merchant terminals) or supplying goods to at least two affiliate stores and storing company information for payment processing using a supplier collection card; An affiliate store information data file for storing affiliate store specific information (or affiliate store unique terminal information) for each of a plurality of affiliate stores corresponding to the company; And And a payment approval information data file for storing payment approval history information for each affiliate store corresponding to the company or information corresponding to the payment approval details. And storing the company information data file, the affiliate store information data file, and the payment approval information data file in a cooperative process.

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