KR100802769B1 - Card Terminals with Function of Processing Complex Admission Message and Recording Medium - Google Patents

Abstract

The present invention provides a card terminal device including a card reader unit for reading card information, a key input unit for receiving predetermined information, and a communication processing unit for performing a communication processing function, wherein the card information obtained through the card reader unit is used. Credit card payment and cash service and / or credit card payment and bank transfer service and / or check card payment and cash withdrawal service and / or check card payment and bank transfer service and / or debit card payment through the card terminal And electronic payment and cash services and / or cash withdrawal services and / or bank transfer services such as cash withdrawal services and / or debit card payment and bank transfer services. Thereby, as electronic payments and cash services (and / or wire transfer services) are simultaneously processed through a predetermined payment network (VAN), cardholders can use an automatic teller machine (ATM) and an ATM to withdraw cash. And / or eliminates the hassle of searching for a financial automation device such as a cash dispenser (CD).

Payment terminal device, credit card, check card, cash service, account transfer, cash withdrawal

Description

Card terminal device with a function of processing Complex Admission Message and Recording Medium, characterized in that the card terminal device equipped with a multi-professional processing function and a program for executing the multi-specialization processing function recorded;

1 is a view showing the functional configuration of a payment terminal device according to an embodiment of the present invention.

2 is a diagram illustrating a composite special structure for simultaneously providing electronic payment and cash service according to an embodiment of the present invention.

3 is a diagram illustrating a composite approval specialty structure corresponding to a complex full text providing electronic payment and cash service at the same time according to an embodiment of the present invention.

4 is a diagram illustrating a process of simultaneously providing an electronic payment and a cash service in a payment terminal device according to an embodiment of the present invention.

5 is a diagram illustrating a process of simultaneously providing an electronic payment and a cash service in a payment terminal device according to an embodiment of the present invention.

6A and 6B illustrate an example of printing and outputting an electronic payment and a cash service result in a payment terminal device according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a process of simultaneously providing an electronic payment and a cash service in a payment terminal device according to another embodiment of the present invention.

8 is a diagram illustrating a composite special structure for simultaneously providing electronic payment and bank transfer service according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a complex approval specialized structure corresponding to a complex telegram that simultaneously provides an electronic payment and a wire transfer service according to an embodiment of the present invention.

10 is a diagram illustrating a process of simultaneously providing an electronic payment and a wire transfer service in a payment terminal device according to an embodiment of the present invention.

11A and 11B illustrate a process of simultaneously providing an electronic payment and a wire transfer service in a payment terminal device according to an embodiment of the present invention.

12 is a diagram illustrating an example of printing and outputting an electronic payment and account transfer service result in a payment terminal device according to an embodiment of the present invention.

13 is a diagram illustrating a process of simultaneously providing an electronic payment and a wire transfer service in a payment terminal device according to another embodiment of the present invention.

<Description of main parts of drawing>

100: payment terminal device 110: card reader unit

115: screen output unit 120: key input unit

130: communication processing unit 140: printing output unit

150: memory unit 155: information processing unit

160: transmitter 165: receiver

170: composite professional generation unit 175: composite approval professional processing unit

The present invention provides a card terminal device including a card reader unit for reading card information, a key input unit for receiving predetermined information, and a communication processing unit for performing a communication processing function, wherein the card information obtained through the card reader unit is used. Credit card payment and cash service and / or credit card payment and bank transfer service and / or check card payment and cash withdrawal service and / or check card payment and bank transfer service and / or debit card payment through the card terminal And a card terminal with a complex professional processing function, which provides electronic payment and cash services and / or cash withdrawal services and / or bank transfer services, such as cash withdrawal services and / or debit card payment and bank transfer services. Computer-readable, characterized in that the device and the program for executing the combined professional processing function recorded To provide a recording medium.

At least one credit card, check card, debit card, cash card, financial account, etc., on a predetermined card medium including a magnetic stripe (MS) card and / or an integrated circuit (IC) card and / or a wireless IC chip. And a predetermined payment means information including the payment means information corresponding to the payment means from the card medium, and including the read payment means information, predetermined payment information, and merchant information. The electronic payment request message is transmitted to a card company (or financial company) through a predetermined payment network (eg, a value added network), and the electronic payment request message is transferred from the card company (or financial company). It provides a payment means for processing a predetermined payment amount without cash through the process of receiving.

However, the present invention cannot use the electronic payment as all payment methods for offline payments in real life, and most offline payment settlements except for some medium / high payments are made through cash. Cardholders are inconvenient to withdraw cash from certain financial accounts and / or seek financial automation devices such as ATMs / CDs to receive cash services through credit cards.

The present invention is derived to solve the above inconvenience, card terminal device having a card reader for reading card information, a key input unit for receiving predetermined information, and a communication processing unit for performing a communication processing function A credit card payment and cash service and / or credit card payment and bank transfer service and / or check card payment and cash withdrawal service and / or based on the card information obtained through the card reader unit Providing electronic payment and cash services and / or cash withdrawal services and / or bank transfer services, such as check card payment and bank transfer services and / or debit card payment and cash withdrawal services and / or debit card payment and bank transfer services. A card terminal device equipped with a multi-professional processing function and a multi-professional processing function for executing A computer-readable recording medium characterized by recording a gram.

In the present invention, a card terminal apparatus having a combined specialty processing function includes a card reader unit for reading card information, a key input unit for receiving predetermined information, and a communication processing unit for performing a communication processing function. An information processing unit for providing the card information read through the card reader unit, the information for the first payment approval request input through the key input unit, and the information for the second cash withdrawal request to the composite text generation unit; Using the card information provided by the information processing unit, the information for the first payment approval request and the information for the second cash withdrawal request using a full text including a payment approval request full text and cash withdrawal request A composite specialty generator for generating; A transmission unit for transmitting the complex telegram generated by the complex telegram generation unit to the server on a communication network through the communication processor; A receiving unit for receiving a compound approval message (payment approval message and / or cash withdrawal approval message) corresponding to the compound message from the server on the communication network through the communication processor; And a composite approval message processing unit for outputting the composite approval message received by the receiving unit and / or storing in the predetermined memory.

According to the implementation method of the present invention, it is preferable that the composite approval full text processing unit outputs the complex approval full text as a single text, or outputs a separate text by separating the payment approval text and the cash withdrawal approval text.

In addition, the composite approval full text processing unit may store the complex approval full text as a single text, or separately store the payment approval text and the cash withdrawal approval text in a separate storage area on the memory.

According to the embodiment of the present invention, the card reader unit preferably comprises at least one credit card reader unit, check card reader unit, debit card reader unit, MS (Magnetic Stripe) card reader unit, IC card reader unit, It is preferable to include at least one IC chip reader unit provided in the wireless terminal.

According to the present invention, the recording medium provided in the card terminal device is characterized in that a program for executing a function of the device configuration unit is recorded.

In the present invention, a card terminal apparatus having a combined specialty processing function includes a card reader unit for reading card information, a key input unit for receiving predetermined information, and a communication processing unit for performing a communication processing function. An information processing unit which provides the composite information generating unit with the card information read through the card reader unit, information for the first payment approval request input through the key input unit, and information for the second bank transfer processing request; Simultaneously including a payment approval request message and a full account transfer request message by using the card information provided by the information processing unit, the information for the first payment approval request, and the information for the second bank transfer processing request; A composite specialty generation unit for generating a compound full message; A transmission unit for transmitting the complex telegram generated by the complex telegram generation unit to the server on a communication network through the communication processor; A receiving unit which receives a composite approval message (payment approval message and / or account transfer processing history message) corresponding to the complex message from the server on the communication network through the communication processor; And a composite approval message processing unit for outputting the composite approval message received by the receiving unit and / or storing in the predetermined memory.

According to the implementation method of the present invention, it is preferable that the composite approval full text processing unit outputs the complex approval full text as a single text, or separately outputs the payment approval text and the account transfer processing history text.

In addition, the composite approval full text processing unit may store the complex approval full text as a single text, or separately store the payment approval text and the account transfer processing history text in separate storage areas on the memory.

According to the embodiment of the present invention, the card reader unit preferably comprises at least one credit card reader unit, check card reader unit, debit card reader unit, MS (Magnetic Stripe) card reader unit, IC card reader unit, It is preferable to include at least one IC chip reader unit provided in the wireless terminal.

According to the present invention, the recording medium provided in the card terminal device is characterized in that a program for executing a function of the device configuration unit is recorded.

According to the present invention, the recording medium provided in the card terminal apparatus simultaneously uses the first approval request message and the second approval request message by using card information, first approval request information, and second approval request information. A function for creating a composite approval request text including; And a function of outputting the complex approval text and / or storing the complex approval text in a predetermined memory when receiving the complex approval text corresponding to the complex approval request text.

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

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

In the present invention, each functional component constituting the payment terminal device is a program (for example, a unique function of each means) recorded on a recording medium provided in the payment terminal device according to a unique characteristic (or role) defined in the corresponding means. (Or a program including at least one functional configuration for performing a role), and / or as a device component performing a unique function defined in the functional configuration, The preferred embodiment of the present invention will be described as being implemented through a program recorded on a recording medium provided in a predetermined payment terminal device in order to efficiently explain the technical components of the present invention. The manner of implementation is not limited to the case of the following examples.

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

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

1 is a view showing a functional configuration of a payment terminal device 100 according to an embodiment of the present invention.

In more detail, Figure 1 is an embodiment of a payment terminal device 100 for a service that provides electronic payment and cash services (and / or wire transfer services) at the same time, which is common in the art. Those skilled in the art can refer to and / or modify this drawing to infer various payment terminal devices 100 for services that simultaneously provide electronic payment and cash services (and / or wire transfer services). It is to be understood, however, that the present invention encompasses all such inferred practice methods.

Referring to FIG. 1, the payment terminal device 100 basically includes a control unit 105, a memory unit 150, a card reader unit 110, a key input unit 120, a screen output unit 115, and a communication processing unit 130. And a power supply unit 125 for supplying power to the security application module 135, the print output unit 140, and the payment terminal device 100, at least one terminal functional unit according to the intention of those skilled in the art. (Not shown) and the like.

The control unit 105 controls the overall operation of the payment terminal device 100 in the functional configuration, manages the flow of information or data between each component, electronic payment and cash services (and / or account transfer) according to the present invention And at least one processor including hardware (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. It includes an execution memory (for example, a register and / or RAM (Random Access Memory)) and a bus (BUS) for inputting and outputting predetermined data, and software-specific functions specific to the payment terminal device (100) A predetermined program routine (Routine) which is loaded from the predetermined recording medium into the execution memory for execution and is processed by the processor; A predetermined program and / or the electronic recorded on a recording medium provided in the payment terminal device 100 for simultaneously providing program data and / or cash service (and / or wire transfer service). Among the functional configurations provided in the payment terminal device 100 for simultaneously providing payment and cash service (and / or wire transfer service), a component that can be processed by software is shown in the controller 105. Characterized in that made.

According to the exemplary embodiment of the present invention, the control unit 105 may include components (for example, the memory unit 150, the card reader unit 110, the key input unit 120) provided in the payment terminal device 100, and the like. The payment terminal 115 and the communication processing unit 130, the security application module 135 and the print output unit 140 and / or the terminal functional unit (not shown) according to the intention of those skilled in the art interworking with the payment terminal In addition to controlling and managing the provision of the electronic payment service defined in the device 100, the payment terminal device 100 for a service for simultaneously providing the electronic payment and the cash service (and / or wire transfer service) according to the present invention. The recording medium provided in the payment terminal 100 for a service for controlling the components provided with each other) and / or simultaneously providing the electronic payment and the cash service (and / or the account transfer service). The program that is written to Be carried out is preferable.

The memory unit 150 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 100 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It comprises one or more storage means, the control unit 105 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit 150 stores a payment processing authorization for a service that simultaneously provides electronic payment and cash service (and / or wire transfer service), and / or cash service. It is desirable to have a storage area for storing the details of the processing and / or a storage area for storing the details of the transfer process.

The customer requesting the electronic payment and the cash service (and / or wire transfer service) according to the present invention through the payment terminal device 100 at the same time, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / Or a card including at least one contact IC card (or wireless IC chip) based on the ISO / IEC 7816 standard and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. Or a credit card, a debit card, a debit card, a cash card, and a financial account.

The card reader unit 110 provides an interface for reading at least one or more information or data included in the card, and the information or data read from the card is a credit card, a check card, a debit card, It is preferable to include payment means information corresponding to a payment means including at least one cash card, financial account.

According to the method of the present invention, the card reader unit 110 is an MS reader unit for providing an interface between the MS card and the payment terminal device 100, and / or the contact IC card and the payment terminal device ( 100) a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal device 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal 100 by using the loaded.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal device (100).

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443. The contactless IC reader unit may be formed at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the payment terminal device (100).

According to the exemplary embodiment of the present invention, the card reader unit 110 uses the electronic payment service defined in the payment terminal device 100 and / or the electronic payment and cash service (and / or account transfer service) according to the present invention. From the at least one card reader 110 for a service provided at the same time to a payment means including at least one predetermined card information (for example, credit card, check card, debit card, cash card, financial account provided on the card) The corresponding payment means information).

The key input unit 120 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal device 100 controlled by the controller 105. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The control unit 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal device 100, and / or is matched with the key event and defined. Characterized in that for obtaining a command to execute a predetermined function. The key input unit 120 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the payment terminal device 100.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 120 may provide key data (eg, payment) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal device 100. It is preferable to perform the function of the key input means for receiving an amount of money, etc., and the electronic device from the key input device for a service that simultaneously provides the electronic payment and cash service (and / or account transfer service) according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in a service providing process for simultaneously providing a settlement and a cash service (and / or an account transfer service).

The screen output unit 115 is a liquid crystal display (LCD) and / by the control unit 105 in the process of the payment terminal device 100 performs a predetermined function (for example, the electronic payment processing function using a card) Or outputting at least one or more information or data which is predefined or defined in real time to be output to a predetermined screen output device including a cathode ray tube (CRT) through a predefined interface screen. The unit 115 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 100.

Predefined information or data to be output from the payment terminal device 100 to the screen output device, the key data input through the key input unit 120, and / or is provided in the payment terminal device 100 Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processing unit 130, and / or a predetermined operation result performed by the payment terminal device 100 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 115 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal device 100. It is preferable to perform the function of the screen output means, and the electronic payment and the cash service (and to the screen output device) for the service which simultaneously provides the electronic payment and the cash service (and / or account transfer service) according to the present invention. And / or a screen transfer means for outputting a processing screen corresponding to a service providing step of simultaneously providing a wire transfer service).

The communication processor 130 may be configured on the payment network 180 (eg, a value added network (VAN)) while the payment terminal device 100 performs a predetermined function (for example, an electronic payment processing function using a card). A terminal (or server) and / or a terminal (or device) connected to the payment terminal device 100 through a predetermined cable and / or a terminal connected to the payment terminal device 100 through a predetermined short-range wireless communication ( Or a network communication unit for connecting a predetermined communication channel with a server (or device) 185 on a wired / wireless network, and / or a predetermined communication means for connecting a communication session with the device. A cable communication unit for connecting a communication session with a predetermined terminal (or device) through a cable communication port, and / or a predetermined short-range communication terminal (or device) through at least one short-range wireless communication means. Q) It comprises a short-range wireless communication unit for connecting a device and a predetermined communication session, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server (or device) 185 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and the payment terminal device 100 is connected to a predetermined wired / wireless network by hardware. It includes a modem or a network interface card (NIC) for access, and comprises a communication protocol and / or driver for connecting the payment terminal device 100 to the wired or wireless network in software. .

The cable communication unit may connect a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software. For example, the cable communication terminal (or device) may include a point of sale (POS) terminal connected to the payment terminal device 100 through cable communication.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). And a predetermined short range communication terminal (or device) and a short range wireless communication session through at least one short range wireless communication means. The infrared communication, RF communication, Bluetooth, wireless LAN, Wi-Fi, and UWB may be connected in hardware. It includes a predetermined short range wireless communication module for short-range wireless communication including, and comprises a communication protocol and / or driver for the private short-range wireless communication in software. For example, the short range communication terminal (or device) includes a POS terminal connected to the payment terminal device 100 through short range wireless communication, and / or includes a customer wireless terminal equipped with a predetermined wireless IC chip. If the short-range communication terminal (or device) or the customer wireless terminal equipped with a predetermined wireless IC chip, the communication terminal (or device) based on the basis of the function of the card reader unit 110 Can be performed.

The secure application module (SAM) 135 is a confidentiality and / or authentication (required in the process of performing the electronic payment and / or electronic payment by the payment terminal device 100 using the card ( Security requirements, including Authentication and / or Integrity and / or Nonrepudiation, may be used within the payment terminal device 100 without using an authentication server (or payment server) on the payment network 180. As a safety device for performing a secure and reliable structure in the, a predetermined message (processed in the process of performing the predetermined security request function (for example, electronic payment and / or electronic payment function) the payment terminal device 100 Information or data), add an authenticator that prevents forgery (or tampering) of the message, or is important in performing the security request function. It is characterized by performing a function of storing the core information.

In general, the security application module 135 is preferably composed of a predetermined security application module 135 inserter and a security application module 135 chip, the security application module 135 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 135 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the payment terminal device 100 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 140 may process the payment terminal 100 to perform a predetermined function (for example, an electronic payment processing function using a card) and / or predetermined information or data generated as a result (for example, Payment processing result information or data) to a predetermined printing device (e.g., a receipt printing machine), and printing for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. This includes the protocol and drivers.

Referring to FIG. 1, the payment terminal device 100 is linked with the screen output unit for a service for simultaneously providing an electronic payment and a cash service (and / or an account transfer service) according to the present invention. Output at least one menu screen (or interface screen) for a service that simultaneously provides a cash service (and / or wire transfer service), and the electronic payment and cash service (and / or wire transfer service) in conjunction with the key input unit. Information processing unit 155 for receiving at least one or more information for a service that simultaneously provides) and a predetermined composite message for a service that simultaneously provides the electronic payment and the cash service (and / or wire transfer service). A composite telegram generation unit 170 and the generated composite telegram through the communication processing unit to a server (or device) 185 on the payment network 180. And a transmitting unit 160 for transmitting and a receiving unit 165 for receiving at least one or more complex approval messages from the server (or device) 185 on the payment network 180 through the communication processing unit. The composite approval message processing unit may be configured to output the received composite approval message by the approval details and output the screen through the screen output unit, and / or classify the received composite approval message by the approval details and store it in the memory unit 150. And 175).

The information processing unit 155 interlocks with the screen output unit 115 to simultaneously provide an electronic payment and a cash service (and / or an account transfer service) according to the present invention to a default screen of the payment terminal device 100. The electronic payment and cash service according to the present invention is displayed on the screen of the payment terminal device 100 by outputting a predetermined menu screen (or interface screen), and / or by a predetermined command corresponding to the key input unit 120. And outputting a predetermined menu screen (or interface screen) for a service that simultaneously provides (and / or an account transfer service).

In addition, the information processing unit 155 is interlocked with the key input unit 120, the electronic payment and cash services (and / or account transfer service) according to the invention from the operator of the payment terminal device 100 and / or the card user Characterized in that the predetermined information for the service to provide at the same time, according to the intention and / or method of the person skilled in the art the information processing unit 155 is wireless by the cable communication unit and / or the basis of the communication processing unit 130 A predetermined cable communication terminal (or device) in conjunction with the communication unit (for example, a point of sale terminal connected to the payment terminal device 100 through cable communication) and / or a communication terminal (or device) on a basis ( For example, an electronic payment and cash service (and / or bank transfer service) according to the present invention are simultaneously provided from the payment terminal device 100 and a POS terminal connected through short-range wireless communication. It is possible to receive the predetermined information for the switch, and to which the present invention is not limited.

According to the implementation method of the present invention, the information processing unit 155 is the composite full text generation unit 170 to input the information for the service to provide the electronic payment and cash service (and / or account transfer service) at the same time according to the present invention Is preferably provided.

The multi-purpose professional generation unit 170 is a predetermined electronic payment related information obtained through the information processing unit 155 for a predetermined electronic payment processing, and for the cash service (and / or account transfer service) according to the present invention. Based on the predetermined cash service (and / or wire transfer service) related information obtained through the information processing unit 155, the electronic payment and the cash service (and / or wire transfer service) according to the present invention are provided simultaneously. It is characterized in that the predetermined compound telegram for the service is generated.

According to one embodiment of the present invention, the compound telegram generated by the compound telegram generation unit 170 is defined between the payment terminal device 100 and a predetermined card company (or financial company) for the predetermined electronic payment processing. Preferably, the predetermined payment request further includes information for the cash service (and / or bank transfer service) obtained through the information processing unit 155. For example, the composite message generation unit 170 may provide a predetermined cash service for a predetermined payment request message including at least one credit card payment request message and / or a check card payment request message defined in the payment terminal device 100. The composite message may be generated by further including cash service amount information and / or password information for the account, or account number information and account transfer amount information and / or opening an account for a predetermined account transfer service in the payment request message. The compound text may be generated by further including bank information and / or password information.

According to another exemplary embodiment of the present invention, the compound telegram generated by the compound telegram generation unit 170 has a terminal (eg, a cash service function) that provides a predetermined cash service in connection with a predetermined card company (or a financial company). Acquisition in the payment terminal device 100 in advance of a predetermined cash service (and / or transfer account) request defined between the provided ATM / CD (Automatic Teller Machine / Cash Dispenser) and the card company (or financial company) It is preferable to further include electronic payment related information. For example, when the payment terminal device 100 is a payment terminal device 100 for debit card payment processing, the payment terminal device 100 may be connected to a predetermined financial network, and at this time, the payment terminal device 100 ) Is obtained from the payment terminal device 100 in a predetermined cash service (and / or wire transfer service) request text defined between a terminal connected to the financial network and providing a cash service and a predetermined card company (or financial company). It is possible to generate a complex full text according to the present invention further comprising the electronic payment related information.

According to another exemplary embodiment of the present invention, the complex telegram generated by the complex telegram generation unit 170 is an electronic payment and cash service (and / or account transfer) according to the present invention through the payment terminal device 100. Service) may correspond to a predetermined complex specialized structure defined by the card company (or financial company), thereby the present invention is not limited.

The card company (or the card company for processing the electronic payment corresponding to the payment means provided in the card for the electronic payment through a predetermined payment network 180 in conjunction with the communication processing unit 130 (or The composite telegram generated by the composite telegram generation unit 170 to a server (or device) 185 provided in a financial institution).

According to an embodiment of the present invention, the composite telegram may use the payment means with a server (or device) 185 provided at the card company (or financial company) that processes the electronic payment corresponding to the payment means provided on the card. It is desirable to request authorization for both electronic payments and cash services (and / or wire transfer services).

The receiving unit 165 interoperates with the communication processing unit 130 to process the electronic payment corresponding to the payment means included in the card for the electronic payment through a predetermined payment network 180 (or financial company). Receive a predetermined composite approval message corresponding to the composite message from the server (or device) 185 provided in the).

According to an embodiment of the present invention, the composite approval message is electronically charged from a server (or device) 185 provided in the card company (or financial company) that processes the electronic payment corresponding to the payment means provided in the card. Preferably includes at least one or more of the approval results of the electronic payment approval for and / or the cash service (and / or wire transfer service) approval results for the cash service (and / or wire transfer service). For example, the composite approval preamble may include an electronic payment approval result for the electronic payment, or a cash service (and / or wire transfer service) approval result for the cash service (and / or wire transfer service). Or, it may include both an electronic payment approval result for the electronic payment and a cash service (and / or wire transfer service) approval result for the cash service (and / or wire transfer service).

According to an exemplary embodiment of the present invention, the composite approval message may include an electronic payment approval result for the electronic payment and a cash service (and / or wire transfer service) approval result for the cash service (and / or wire transfer service). It is desirable to receive all inclusive of a complete multi-authorization.

According to another exemplary embodiment of the present invention, the composite approval preamble may include an electronic payment approval result for the electronic payment and / or a cash service (and / or wire transfer service) for the cash service (and / or wire transfer service). After the first approval message including a predetermined approval result (eg, an electronic payment approval result or a cash service (and / or wire transfer service) approval result) is received in advance, the remaining approval result (eg, cash service). (And / or wire transfer service) approval results, or electronic payment approval results), which may be received after a second approval preamble, by which the present invention is not limited.

The composite approval specialty processing unit 175 interoperates with the screen output unit 115 and / or the print output unit 140 and the composite approval full text received through the receiving unit 165 (eg, the electronic payment approval result and / or Or outputting a cash service (and / or an approval message including at least one approval result) to a screen output device and / or a printing device 145 provided in the payment terminal device 100. do.

According to an embodiment of the present invention, the composite approval specialty processing unit 175 may be provided with a function of reading a cash service (and / or wire transfer service) approval result included in the composite approval full text. Whether the electronic payment and / or cash service (and / or wire transfer service) is approved or rejected may be output in a form that the operator of the payment terminal device 100 (or card user) can recognize.

According to an exemplary embodiment of the present invention, the composite approval professional processing unit 175 classifies the electronic payment approval result and / or the cash service (and / or wire transfer service) approval result for each approval result to determine the screen output device. It is preferable to simultaneously output the same screen, and the electronic payment approval result and / or cash service (and / or wire transfer service) approval result may be classified according to each approval result according to the intention of a person skilled in the art and different from the predetermined screen output device. It is possible to output each to the screen, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the complex approval professional processing unit 175 classifies the electronic payment approval result and / or the cash service (and / or wire transfer service) approval result for each approval result through the printing apparatus. It is preferable to output each on different printing papers, and the electronic payment approval result and / or cash service (and / or wire transfer service) approval result may be classified by each approval result according to the intention of one skilled in the art and used by the printing apparatus. It is possible to include all of the printing paper (for example, a receipt) of the output, and thereby the present invention is not limited.

The composite approval specialty processing unit 175 interoperates with the memory unit 150 and receives the composite approval full text (eg, the electronic payment approval result and / or cash service (and / or wire transfer service) received through the receiving unit 165. ) Is stored in the memory unit 150 provided in the payment terminal device (100).

According to the exemplary embodiment of the present invention, the complex approval specialized processing unit 175 classifies the electronic payment approval result and / or cash service (and / or wire transfer service) approval result for each approval result by the memory unit 150. The electronic payment approval result and / or cash service (and / or wire transfer service) approval result may be classified by each approval result according to the intention of a person skilled in the art. And the cash service (and / or wire transfer service) approval result can be stored in a predetermined storage area including a field in association with each other, and the present invention is not limited thereto.

2 is a diagram illustrating a composite special structure for simultaneously providing electronic payment and cash service according to an embodiment of the present invention.

More specifically, FIG. 2 illustrates a predetermined payment network 180 (eg, a value added network (VAN)) in a predetermined payment terminal device 100 including a credit authorization terminal (CAT). Based on the credit card payment request message sent to the card company (or financial company) through an example of an implementation method for the complex special structure of the cash service request is added, the person having ordinary knowledge in the technical field to which the present invention belongs If so, various implementation methods for the multi-specialized structure in which a cash service request message is added based on each payment request message (for example, a check card payment request message, etc.) according to the intention of the person skilled in the art by referring to and / or modifying the drawing 2. It may be inferred, but the present invention includes all the implementation methods inferred above, the composite special structure is limited to the one illustrated in Figure 2 By no means. In particular, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer a multi-specialized structure in which a cash service request message is added based on a check card payment request message. The present invention includes a compound telegram added with the cash service request telegram based on the check card payment request telegram.

Referring to FIG. 2, the compound text structure includes at least one or more text information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), and the termination. After the text is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information, the specialized information is credit card payment request specialist (for example, 2 to 13 specialized information) and cash service request specialist (E.g., 14-16 items of specialized information).

The credit card payment request specialist part of the composite specialty (eg, credit approval request, credit approval cancellation, etc.) related to the credit card payment, a Terminal_ID item for the payment terminal device 100, and a POS Entry Mode item And a TRACK II Data item (for example, a PAN (Primary Account Number) area of the TRACK II of the MS card and an AD corresponding to the payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 100). Credit card information obtained from Additional Data and / or Discretionary Data (DD) areas, or credit card information obtained from a credit card file of an IC card, and after a predetermined File Separator (0X1C). Including the installment month item, the total payment amount item, and the service fee item corresponding to the credit card payment information, and also the Working Key Index item, password item, product code item and slip date Serial number items, and the like. Those skilled in the art to which the present invention pertains will be able to 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 an exemplary embodiment of the present invention, the transaction classification item may include transaction classification information (eg, a credit approval request, a credit approval cancellation, etc.) corresponding to the full credit card payment request, in this case, the cash service. Request specialized unit preferably comprises a separate transaction classification items corresponding to the full cash service request as shown in FIG.

According to another exemplary embodiment of the present invention, the transaction classification item may include integrated transaction classification information (eg, credit approval request + cash service request, credit approval request + cash service cancellation) for the credit card payment request full text and the cash service request full text. , Credit approval cancellation + cash service request, credit approval cancellation + cash service cancellation, etc.), in this case, the cash service request specialized unit may omit a separate transaction category corresponding to the cash service request full text. The present invention is not limited thereby.

The credit card payment request specialist and the cash service request specialist are distinguished through a predetermined delimiter in the compound message. In FIG. 2, the credit card payment request and the cash service request message are prefaced by a file separator (FS) for convenience. Although it is shown to distinguish the, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of those skilled in the art, and the present invention is not limited thereto.

The credit card cash service request specialist of the combined specialty is characterized in that it includes a predetermined cash service amount item separately from the total payment amount of the credit card payment request specialist to provide electronic payment and cash service according to the present invention. It is preferable that the total amount of the sum of the total amount of payments for the credit settlement processing and the cash service amount is further included.

According to the exemplary embodiment of the present invention, since the credit card payment through the payment terminal device 100 is a face-to-face transaction, a password input is generally omitted (or a password can be input according to the intention of a person skilled in the art). In order to simultaneously provide a payment and a cash service, the payment terminal 100 preferably inputs a predetermined password by the customer, and the input password is included in the password item of the credit card payment request specialist. desirable.

According to another exemplary embodiment of the present invention, when a separate cash service password is defined and / or one-time-password (OTP) is used to simultaneously provide the cash service during the electronic payment process, The cash service request specialist may add a separate password item (not shown) corresponding to the cash service password and / or OTP, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the compound text includes a predetermined check card payment request specialty that is capable of electronic payment processing through the payment terminal device instead of the credit card payment request specialty, Withdraw a predetermined amount of cash from a predetermined financial account associated with a check card, and the card user receives an amount corresponding to the amount withdrawn from the financial account associated with the check card from the merchant equipped with the payment terminal device. It is preferable to include a predetermined cash withdrawal request specialized department for providing a cash withdrawal service to pay. In this case, the cash withdrawal request specialized unit changes the cash service transaction division into a cash withdrawal transaction division in the cash service request specialized unit shown in FIG. 2, and changes the cash service amount item into a cash withdrawal amount column, The total amount item may be implemented by changing the check card payment amount and the cash withdrawal amount.

3 is a diagram illustrating a composite approval specialty structure corresponding to a complex full text providing electronic payment and cash service at the same time according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates the transfer of the full text message as shown in FIG. 2 from a predetermined payment terminal device 100 to a predetermined card company (or financial company) through a predetermined payment network 180, and then the payment network 180. As an example of an embodiment of a complex approval specialized structure received by the payment terminal device 100 through), those of ordinary skill in the art to which the present invention pertains may refer to FIG. 3 and / or Modifications may be inferred in accordance with the intention to those skilled in the art for various implementation methods for the composite approval specialized structure corresponding to the composite message, but the present invention includes all the implementation methods inferred, this composite approval specialized structure is shown in this figure It is by no means limited to the ones illustrated in 3.

In particular, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 3, and the compound approval message corresponding to the compound message to which the cash service request message is added based on the check card payment request message is added. The structure may be inferred, and the present invention includes a complex approval specialty structure corresponding to the complex full text with the cash service request full text added based on the check card payment request full text. For example, the check card payment approval specialist of the complex approval specialist corresponding to the complex message to which the cash service request is added based on the check card payment request specialist is included in addition to the approval result item included in the credit card payment approval specialist. The account number and / or bank code associated with the check card may be added to the Message 3 item and / or Message 4 item.

Referring to FIG. 3, the composite approval full text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), and Characterized in that it further comprises a checksum (CRC-CCITT) for the professional information after the end character, the professional information is credit card payment approval department (for example, 2 to 35 items of professional information) and cash service approval full text It consists of a portion (e.g., 36 to 39 items of specialized information).

The credit card payment approval specialty part of the composite approval message includes a plurality of approval result items, and each approval result item is classified through a predetermined file separator (File Separator, 0X1C).

The credit card payment approval specialist unit may include a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) corresponding to the transaction classification associated with the credit card payment included in the complex message shown in FIG. 2 and the payment terminal device ( Terminal_ID column, status value column (e.g., 'O': credit card payment request normal authorization, 'X': credit card payment request declined), transaction date item, message1 item, message2 item, and message3 item. , A message 4 item, an authorization number item (for example, a credit approval number when the status value is 'O', or a credit card payment rejection reason code when the status value is 'X'), a purchaser ID item, and a card company ( Bank) Type name item, Issuer ID item, Document serial number item, Merchant number item, Document purchaser item, Annotation item, HELP DESK PHONE NO item, PIN DATA item and Control_Flag item Including Achieved. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each approval result item included in the credit card payment approval specialist with reference to FIG. Description is omitted.

According to an exemplary embodiment of the present invention, the transaction classification items included in the credit card payment request specialized part of the complex specialty illustrated in FIG. 2 correspond to the transaction classification information (eg, credit approval request, credit approval). Cancelation, etc.), and if the cash service request message includes a separate transaction category corresponding to a predetermined cash service, the transaction category of the credit card payment approval specialist is as shown in FIG. Include only transaction identification information (e.g., credit approval request, credit cancellation, etc.) corresponding to credit card payment, or integrated transaction classification information (e.g., credit approval request +) for the credit card payment approval text and the cash service approval text. Cash service request, credit approval request + cash service cancellation, credit approval cancellation + cash service request, credit approval cancellation + cash service cancellation, etc.) All are possible, and this invention is not limited by this.

According to another exemplary embodiment of the present invention, the transaction classification item included in the credit card payment request specialization part of the complex special message shown in FIG. 2 may include integrated transaction classification information for the credit card payment approval preamble and the cash service approval preamble. If included, the transaction division of the credit card payment approval department may include integrated transaction classification information (eg, credit approval request + cash service request, credit approval request + cash service cancellation) for the above credit card payment approval and cash service authorization. , Credit authorization cancellation + cash service request, credit authorization cancellation + cash service cancellation, etc., or transaction classification information corresponding to the credit card settlement as shown in FIG. 3 (e.g., credit approval request, credit authorization cancellation, etc.) It is possible to include only all, by which the present invention is not limited.

However, if the transaction division of the credit card payment approval specialist includes only transaction classification information (eg, credit approval request, credit approval cancellation, etc.) corresponding to the credit card settlement as shown in FIG. As shown in FIG. 3, the unit preferably includes a separate transaction division item corresponding to the full cash service approval.

In the compound text, the credit card payment approval specialist and the cash service approval specialist are divided by a predetermined delimiter. In FIG. 2, the credit card payment approval specialist and the cash service approval specialist are provided through a file separator (FS) for convenience. Although it is shown to distinguish the, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of those skilled in the art, and the present invention is not limited thereto.

The cash service approval specialty part of the complex specialty is a status value item (eg, 'O': cash service request normal approval, 'X': cash for the cash service request to simultaneously provide electronic payment and cash service according to the present invention. A service request refusal) and an authorization number item for the cash service request (eg, a cash service authorization number if the status value item is 'O', or a cash service refusal reason if the status value item is 'X'). Code, etc.).

According to another exemplary embodiment of the present invention, some of the information included in the cash service approval professional unit is included in the message 3 item and / or message 4 item included in the credit card payment approval unit. 100), and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the compound message includes a predetermined check card payment approval specialist that enables electronic payment processing through the payment terminal device instead of the credit card payment approval specialist, Withdraw a predetermined amount of cash from a predetermined financial account associated with a check card, and the card user receives an amount corresponding to the amount withdrawn from the financial account associated with the check card from the merchant equipped with the payment terminal device. It is preferable to include a predetermined cash withdrawal request specialized department for providing a cash withdrawal service to pay. In this case, the cash withdrawal approval specialization unit changes the cash service transaction division into a cash withdrawal transaction division in the cash service approval specialization unit shown in FIG. 3, and changes the status value item and the approval number item corresponding to the cash service. The operation may be performed by changing the status value item and the approval number item corresponding to the check card based cash withdrawal service.

4 is a diagram illustrating a process of simultaneously providing an electronic payment and a cash service in the payment terminal device 100 according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates the creation of a compound message as shown in FIG. 2 in order to simultaneously provide electronic payment and cash service according to the present invention in a predetermined payment terminal device 100, and then through a predetermined payment network 180. As an example of an exemplary method of transmitting to a card company (or financial company), and receiving and processing a complex approval full text as shown in Figure 3 from the card company (or financial company), having a common knowledge in the art If one grows up, it is possible to infer various operations of the payment terminal device 100 which simultaneously provides the electronic payment and the cash service according to the present invention by referring to and / or modifying the present invention, 4. The present invention encompasses all the inferred implementation methods, and the method of operating the payment terminal device 100 is not limited to that shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the payment terminal device 100 recognizes a card provided with at least one payment means through a predetermined card reader, and obtains predetermined payment means information from the card. The operation of the payment terminal device 100 for simultaneously providing the electronic payment and the cash service according to the present invention is started through the reading process 400, whereby the payment terminal device 100 is in the standby state. In accordance with the electronic payment and cash service interworking mode is switched (405).

According to another exemplary embodiment of the present invention, a process in which an operation process of the payment terminal device 100 for simultaneously providing an electronic payment and a cash service according to the present invention is initiated, the electronic process being defined in each payment terminal device 100. The operation procedure (for example, a predetermined "cash service" button provided in the payment terminal device 100) is newly defined to change according to the payment operation procedure and / or to simultaneously provide the electronic payment and the cash service according to the present invention. By clicking and recognizing the card, it can be changed by the payment terminal device (operational procedure 100) defined for simultaneously providing electronic payment and cash service according to the present invention, but the present invention is not limited thereto.

As described above, a process of operating a payment terminal device 100 for simultaneously providing an electronic payment and a cash service according to the present invention is started, and in the process, payment means information is read from a predetermined card, and the electronic payment and After switching to the cash service interlocking mode, the payment terminal device 100 is associated with the electronic payment including the payment amount and / or installment months through a predetermined key input device, as shown in Figure 5 (a) and (b) Receiving predetermined electronic payment related information by receiving information, and / or receiving a payment amount from a predetermined POS terminal, and receiving an installment month number through a predetermined key input device as shown in (b) of FIG. Or input) (410).

Thereafter, the payment terminal device 100 receives a predetermined cash service in connection with the electronic payment according to the present invention through a predetermined screen output device (for example, an affiliated store provided with the payment terminal device 100 for a cash service amount). And receiving the electronic payment and the cash service interlocking service, and confirming whether the electronic payment and the cash service interlocking service are provided through a predetermined key input device (415).

According to an exemplary embodiment of the present invention, the process of checking whether the electronic payment and the cash service interworking service are provided includes a predetermined request for inquiring whether the payment terminal device 100 provides the cash service during the electronic payment to a predetermined screen output device. It is preferable to output an interface screen, and to allow the payment terminal device 100 operator (or card user) to select it.

According to another exemplary embodiment of the present invention, the process of confirming whether the electronic payment and the cash service interworking service are provided includes the cash service amount as shown in (c) of FIG. 5 from the payment terminal device 100 to a predetermined screen output device. Outputting an interface screen for inputting, and inputting a predetermined cash service amount on the interface screen, the operator (or card user) of the payment terminal device 100 receives the electronic payment and the cash service interlocking service according to the present invention. If it is selected and does not input a predetermined cash service amount on the interface screen, the operator of the payment terminal device 100 (or a card user) does not select to receive the electronic payment and cash service interworking service according to the present invention. It may be regarded as.

If the electronic payment and the cash service interlocking service provision according to the present invention is not confirmed (for example, only electronic payment is performed through the payment terminal device 100) 420, the payment terminal device 100 reads from the card. Generate a predetermined electronic payment request message including payment method information, the electronic payment related information, and merchant information (eg, payment terminal device 100 related information) (425), and generate the full electronic payment request message; The card is transmitted to a predetermined credit card company (or financial company) through a predetermined payment network 180, and receives a predetermined complex approval text corresponding to the electronic payment request text from the credit card company (or financial company) (430). If a predetermined composite approval message corresponding to the electronic payment request message is received from the card company (or financial company) through the payment network 180 (435), the payment terminal device 100 receives the received composite approval message. The electronic payment approval result included in the readout is read and output through a screen output device and / or a printing device (for example, a credit payment receipt shown in FIG. 6A) provided in the payment terminal device 100 (440).

On the other hand, if it is confirmed that the electronic payment and the cash service interlocking service provided according to the present invention (420), the payment terminal device 100 inputs a predetermined cash service amount as shown in (c) of FIG. An interface screen for inputting a card password as shown in (d) of FIG. 5, and a predetermined key input device including the cash service amount information and password information through a predetermined key input device based on the annoying interface screen; In operation 445, it is checked whether cash service related information is input.

If predetermined cash service related information is input (450), the payment terminal device 100, as illustrated in Figure 2, the payment means information read from the card, the electronic payment related information and merchant information (e.g., And generate a complex telegram including the predetermined electronic payment request telegram (including the payment terminal device 100 related information) and the predetermined cash service request telegram including the cash service related information (455), and generate the complex telegram. The full text is transmitted to a predetermined card company (or financial company) through the predetermined payment network 180, and the predetermined credit approval message corresponding to the complex full text message is received from the card company (or financial company) (460).

If a predetermined complex approval message corresponding to the complex text message is received from the card company (or financial company) through the payment network 180 (465), the payment terminal device 100 is included in the received complex approval text message. The electronic payment approval result and the cash service approval result are classified and read out and output through a predetermined screen output device and / or a printing device (for example, a credit settlement receipt shown in FIG. 6A and a cash service receipt shown in FIG. 6B). (470).

In addition, the payment terminal device 100 classifies the electronic payment approval full text (or electronic payment approval result) and the cash service approval full text (or cash service approval result) included in the complex approval message by storage area to the memory unit ( The data is stored in each storage area provided at 150 (475).

According to the method of the present invention, the payment terminal device 100 has passed the period in which the transaction can be canceled for the electronic payment approval full text (or electronic payment approval result) and / or the cash service approval full text (or cash service approval result). It is desirable to store until, so that it is possible to query and confirm the electronic payment and / or cash service provided through the payment terminal device 100 after a certain period of time.

5 is a diagram illustrating a process of simultaneously providing an electronic payment and a cash service in the payment terminal device 100 according to an embodiment of the present invention.

In more detail, Figure 5 illustrates an embodiment of a method of operating a payment terminal device 100 for simultaneously providing a credit settlement and a cash service according to the present invention in a predetermined payment terminal device 100. Those skilled in the art to which the present invention pertains, various modifications to the payment terminal device 100 for simultaneously providing the electronic payment and cash service according to the present invention according to the intention to those skilled in the art by referring to and / or modifying the present Figure 5 Although the operation process may be inferred, the present invention includes all the inferred implementation methods, and the operation process of the payment terminal device 100 is not limited to that illustrated in FIG.

6A and 6B illustrate an example of printing and outputting an electronic payment and a cash service result in the payment terminal device 100 according to an exemplary embodiment of the present invention.

In more detail, Figures 6a and 6b are created in the predetermined payment terminal device 100 in order to provide the electronic payment and cash services according to the present invention at the same time to create a complex full text as shown in Figure 2 predetermined payment network 180 After transmitting to a predetermined card company (or financial company) through, and receiving a complex approval full text as shown in Figure 3 from the card company (or financial company), and the credit settlement approval result included in the composite approval full text shown in Figure 3 As an exemplary embodiment of the present disclosure, a method of sorting, reading, and printing a cash service approval result is illustrated. Specifically, FIG. 6A illustrates reading and printing a credit settlement approval result corresponding to a credit settlement approval specialist included in the complex approval text. Illustrated receipt printed out, Figure 6b is a cash receipt included in the composite approval message on the credit receipt form as shown in Figure 6a It is an example of a receipt printed out by reading the cash service approval result corresponding to the approval specialist.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to simultaneously provide a person with ordinary skill in the art with electronic payment and cash services according to the intention and / or receipt form. The print output result may be easily inferred, but the present invention includes all the inferred implementation methods, and the print output result according to the present invention is not limited to that shown in FIGS. 6A and 6B.

7 is a diagram illustrating a process of simultaneously providing an electronic payment and a cash service in a payment terminal device 100 according to another embodiment of the present invention.

In more detail, Figure 7 shows at least one or more of the electronic payment and the cash service after providing the electronic payment and the cash service according to the present invention at the same time through the same process as Figure 4 in a predetermined payment terminal device 100; In order to cancel, a predetermined compound message is generated and transmitted to a predetermined card company (or financial company) through a predetermined payment network 180, and the complex approval message corresponding to the compound message is received from the card company (or financial company) and processed. As an example of an embodiment of the present invention, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing so that at least one of the electronic payment and the cash service according to the present invention is intention to those skilled in the art. Various operation methods for the payment terminal device 100 to cancel one or more will be inferred, but the present invention is inferred It includes all implementation methods, and the method of operating the payment terminal device 100 is not limited to that shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the payment terminal device 100 recognizes a card provided with at least one payment means through a predetermined card reader, and obtains predetermined payment means information from the card. The operation of the payment terminal device 100 for simultaneously providing the electronic payment and the cash service according to the present invention through the reading process 700 is disclosed.

Thereafter, the payment terminal device 100 waits for the operation state of the payment terminal device 100 through a predetermined key button (for example, a "cancel transaction" button) provided in the key input device according to the present invention. Switch to electronic payment / cash service cancellation mode (705).

According to another exemplary embodiment of the present invention, a process in which an operation process of the payment terminal device 100 for canceling at least one or more of electronic payment and cash service according to the present invention is started may be defined in each payment terminal device 100. It may be changed according to the electronic payment operating procedure, and / or by a newly defined operating procedure to cancel at least one or more of the electronic payment and cash service according to the present invention, but the present invention is limited Never.

As described above, a process of operating the payment terminal device 100 for canceling at least one or more of electronic payment and cash service according to the present invention is started, and in the process, payment means information is read from a predetermined card, and according to the present invention. After switching to the electronic payment / cash service cancellation mode, the payment terminal 100 inputs a predetermined document number printed on the receipt printed on the drawings 6a and / or 6b through a predetermined key input device. 710.

Thereafter, the payment terminal device 100 displays a predetermined cancellation target selection interface screen for selecting at least one or more canceled transactions among electronic payment and cash service according to the present invention as a predetermined screen output means based on the document number. In operation 715, at least one transaction to be canceled is selected through a predetermined key input device.

According to one embodiment of the present invention, the payment terminal device 100 is based on the at least one electronic payment approval (or electronic payment approval results) stored in the memory unit 150 based on the entered document number and And / or by searching for the full cash service approval (or cash service approval result), confirming that the transaction corresponding to the document number is a transaction provided simultaneously with the electronic payment and the cash service according to the present invention. If the transaction corresponds to a transaction provided simultaneously with the electronic payment and the cash service according to the present invention, a predetermined cancellation target selection interface for selecting at least one or more canceled transaction of the electronic payment and the cash service according to the present invention as the screen output means It is preferable to output the screen.

According to another exemplary embodiment of the present invention, when at least one or more electronic payment approval full text (or electronic payment approval result) and / or cash service approval full text (or cash service approval result) are not stored in the memory unit 150. The payment terminal device 100 outputs a predetermined cancellation target selection interface screen for selecting at least one or more canceled transactions among electronic payment and cash service which can be provided through the payment terminal device 100 to the screen output means. It is possible to do

If at least one or more canceled transactions are selected through the cancellation target selection interface screen (720), the payment terminal device 100 is the electronic payment and / or cash corresponding to the selected cancellation target transaction of the electronic payment and cash services A predetermined compound telegram for canceling a service (for example, in the complex telegram shown in FIG. 2, the transaction classification item corresponding to the transaction to be canceled includes information corresponding to "cancel trade", and the complex telegram shown in FIG. 2). Create a complex cancellation for a transaction including the same document number as the document number included in 725, and transmit the generated complex message to a predetermined card company (or financial company) through a predetermined payment network 180; In operation 730, the card company (or financial company) receives a predetermined composite approval message corresponding to the complex message.

If a predetermined complex approval message corresponding to the complex text message is received from the card company (or financial company) through the payment network 180 (735), the payment terminal device 100 is included in the received complex approval text message. The electronic payment cancellation result and / or cash service cancellation result of the at least one canceled transaction which has been made are classified and read out through a predetermined screen output device and / or a printing device (740).

In addition, the payment terminal device 100 is based on the electronic payment cancellation full text (or electronic payment cancellation result) and / or cash service cancellation full text (or cash service cancellation result) included in the composite approval message, the memory unit 150 ), The full text of the electronic payment approval (or the result of the electronic payment approval) including the document number matching the document number of the electronic payment cancellation full text (or the electronic payment cancellation result), or the full text of the cancellation of the cash service ( Or update the cash service approval full text (or cash service approval result) including the document number matching the document number of the cash service cancellation result) (745).

8 is a diagram illustrating a composite special structure for simultaneously providing electronic payment and bank transfer service according to an embodiment of the present invention.

In more detail, Figure 8 is a composite full text message transfer request added on the basis of the full credit card payment request sent from the predetermined payment terminal device 100 to the card company (or financial company) through the predetermined payment network 180 As one exemplary method for the structure, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to complete the description of each payment request (for example, check in accordance with the intention of the person skilled in the art). It is possible to infer various implementation methods for the composite special structure in which the full amount of the transfer request request is added, based on the full card payment request, etc., but the present invention includes all the implementation methods inferred from the above. It is by no means limited to the one illustrated in FIG. In particular, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer a composite special structure in which a full account transfer request is added based on a full check card payment request. The present invention includes a compound telegram to which a full account transfer request is added based on the check card settlement request telegram.

Referring to FIG. 8, the composite full-text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), and the termination. After the text is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information, wherein the specialized information is credit card payment request specialized department (eg, professional information 2 ~ 13 items) and bank transfer request specialized department (E.g., 14 to 19 items of specialized information).

The credit card payment request specialist part of the composite specialty (eg, credit approval request, credit approval cancellation, etc.) related to the credit card payment, a Terminal_ID item for the payment terminal device 100, and a POS Entry Mode item And a TRACK II Data item (for example, a PAN (Primary Account Number) area of the TRACK II of the MS card and an AD corresponding to the payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 100). Credit card information obtained from Additional Data and / or Discretionary Data (DD) areas, or credit card information obtained from a credit card file of an IC card, and after a predetermined File Separator (0X1C). , The installment month item, the total payment amount item, and the service fee item corresponding to the credit card payment information, and also the Working Key Index item, password item, product code item, and slip It made, including serial number items. Persons of ordinary skill in the art to which the present invention pertains can clearly understand the details of each item included in the credit card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

According to an exemplary embodiment of the present invention, the transaction classification item may include transaction classification information (eg, credit approval request, credit approval cancellation, etc.) corresponding to the credit card payment request full text, and in this case, the account transfer The request specializing unit preferably includes a separate transaction division item corresponding to the full transfer request as shown in FIG.

According to another exemplary embodiment of the present invention, the transaction classification item is integrated transaction classification information (eg, credit approval request + account transfer request, credit approval request + account transfer cancellation) for the credit card payment request full text and bank transfer request full text. , Credit approval cancellation + account transfer request, credit approval cancellation + account transfer cancellation, etc.), in this case, the bank transfer request specialized unit may omit a separate transaction classification item corresponding to the bank transfer request message. The present invention is not limited thereby.

In the compound message, the credit card payment request specialist and the bank transfer request specialist are separated by a predetermined delimiter. In FIG. 8, the credit card payment request and the bank transfer request are requested through a File Separator (FS) character for convenience. Although it is shown to separate the full text, the delimiter uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and / or FS. Alternatively, LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of those skilled in the art, and the present invention is not limited thereto.

The credit card account transfer request specialized unit of the combined specialization, in order to simultaneously provide the electronic payment and account transfer according to the present invention separately from the total payment amount of the credit card payment request specialization section, and the amount of the account transfer amount And an account opening bank code item in which an account to be transferred is opened, and an account number item in which the account transfer amount is to be deposited. The total sum of the total payment amount for the credit settlement processing and the account transfer amount is added together. Preferably, the amount item is further included.

According to the implementation method of the present invention, the account opening bank code is a two-digit number for the bank in which the account to be transferred is opened, for example, SME bank (03), Kookmin bank (04, 09), KEB (05), Housing Bank (06, 29), Suhyup Central Association (07), National Agricultural Cooperative Federation (11), National Agricultural Cooperative Federation (16), Hanbit Bank (20, 22, 24), Chohung Bank (21, 38), First Bank (23), Seoul Bank (25), Shinhan Bank (26, 28), Hanmi Bank (27, 36), Daegu Bank (31), Busan Bank (32), Gwangju Bank (34), Jeju Bank (35), It may include at least one of the Jeonbuk Bank 37, Gyeongnam Bank 39, Hana Bank (81, 82), Peace Bank (83), Post Office (71).

In addition, the account number item is an account number opened in the bank, preferably consisting of only numbers without '-', the account number structure is preferably in accordance with the definition of each bank.

According to the exemplary embodiment of the present invention, since the credit card payment through the payment terminal device 100 is a face-to-face transaction, a password input is generally omitted (or a password can be input according to the intention of a person skilled in the art). In order to simultaneously provide payment and account transfer, the payment terminal device 100 preferably inputs a predetermined password by the customer, and the input password is included in the password item of the credit card payment request specialist. desirable.

According to another exemplary embodiment of the present invention, when a separate account transfer password is defined and / or an OTP is used to simultaneously provide the account transfer during the electronic payment processing, the account transfer request specializing unit may be used. A separate password item (not shown) corresponding to the password for account transfer and / or OTP may be added, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the compound text includes a predetermined check card payment request specialty that is capable of electronic payment processing through the payment terminal device instead of the credit card payment request specialty, It is preferable to include a predetermined check card-based account transfer request for providing a check card-based account transfer service for withdrawing a predetermined cash from the predetermined financial account associated with the check card to deposit into the predetermined financial account. . In this case, the check card based bank transfer request specialized unit changes the cash service transaction division into a check card based bank transfer transaction division in the cash service request specialized unit illustrated in FIG. 8, and checks the cash service amount item. It may be implemented by changing to a card-based wire transfer amount item, and changing the total amount item to add up the check card payment amount and the check card based wire transfer amount. In addition, the account opening bank code item and the account number item shown in FIG. 8 may be used as it is.

FIG. 9 is a diagram illustrating a composite approval specialty structure corresponding to a compound full message that simultaneously provides an electronic payment and a wire transfer service according to an embodiment of the present invention.

In more detail, FIG. 9 transmits a complex full message as shown in FIG. 8 to a predetermined card company (or financial company) through a predetermined payment network 180 at a predetermined payment terminal, and then through the payment network 180. As an example of an implementation method for a complex approval specialized structure received by a payment terminal, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention according to the intention of the skilled person. Various implementation methods may be inferred for the composite approval specialty structure corresponding to the composite full text, but the present invention includes all the above-described inferred implementation methods, and the composite approval specialty structure is limited to that illustrated in FIG. Never.

In particular, a person having ordinary skill in the art to which the present invention pertains, a composite approval message corresponding to the compound message added with the full payment request request based on the check card payment request message by referring to and / or modifying the drawing 3 The structure may be inferred, and the present invention includes a composite approval specialty structure corresponding to the complex full text to which an account transfer request full text is added based on the check card payment request full text. For example, a check card payment approval specialist for a complex approval specialist corresponding to a compound bank with an added account transfer request full text based on the check card payment request telegram is included in the credit card payment approval specialist in addition to the approval result item. The account number and / or bank code associated with the check card may be added to the Message 3 item and / or Message 4 item.

Referring to Figure 9, the composite approval full text structure is at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and the end character (ETX (End of TeXt), 0X03), Characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information after the end character, the professional information is credit card payment approval department (for example, 2 to 35 items of professional information) and bank transfer approval full text It consists of a portion (e.g., 36 to 41 items of specialized information).

The credit card payment approval specialty part of the composite approval message includes a plurality of approval result items, and each approval result item is classified through a predetermined file separator (File Separator, 0X1C).

The credit card payment approval specialist unit may include a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) corresponding to a transaction classification related to the credit card payment included in the complex message shown in FIG. 8 and the payment terminal. Terminal_ID item, status value item (eg 'O': credit card payment request normal approval, 'X': credit card payment request declined), transaction date item, message 1 item, message 2 item, message 3 item, message 4 item , Authorization number items (e.g., if the status value is 'O', credit approval number, or if the status value is 'X', credit card payment rejection reason code), purchaser ID item, card company (bank) type name The item, the issuer ID item, the document serial number item, the merchant number item, the document purchaser item, the comment item, the HELP DESK PHONE NO item, the PIN DATA item, and the Control_Flag item. It is. Those skilled in the art to which the present invention pertains can clearly understand the details of each approval result item included in the credit card payment approval specialist with reference to FIG. Description is omitted.

According to an exemplary embodiment of the present invention, the transaction classification items included in the credit card payment request specialized part of the complex special message shown in FIG. 8 correspond to the transaction classification information (eg, credit approval request, credit approval). Cancelation, etc.), and if the transaction transfer request message includes a separate transaction division item corresponding to a predetermined account transfer, the transaction division item of the credit card settlement approval department is as shown in FIG. Include only transaction classification information (e.g., credit approval request, credit approval cancellation, etc.) corresponding to the previous credit card payment, or integrated transaction classification information (e.g., credit approval request) for the full credit card payment approval message and bank transfer approval text. + Account transfer request, credit approval request + account transfer cancellation, credit authorization cancellation + account transfer request, credit authorization cancellation + account transfer cancellation, etc. It said, to which the present invention is not limited.

According to another exemplary embodiment of the present invention, the transaction classification item included in the credit card payment request specialization part of the complex special message illustrated in FIG. 8 may include integrated transaction classification information for the credit card payment approval preamble and the account transfer approval preamble. If included, the transaction division of the credit card payment approval department is integrated transaction classification information (eg credit approval request + bank transfer request, credit approval request + account transfer cancellation) for the credit card payment approval full text and bank transfer authorization full text. , Credit approval cancellation + account transfer request, credit approval cancellation + account transfer cancellation, etc.) or transaction classification information (e.g., credit approval request, credit approval cancellation, etc.) corresponding to the credit card payment as shown in FIG. It is possible to include only all, by which the present invention is not limited.

However, if the transaction division of the credit card payment approval specialist includes only transaction classification information (eg, credit approval request, credit approval cancellation, etc.) corresponding to the credit card settlement as shown in FIG. As shown in FIG. 9, the unit preferably includes a separate transaction division item corresponding to the transfer transfer approval full text.

In the compound text, the credit card payment approval specialist and the bank transfer approval specialist are divided by a predetermined delimiter. In FIG. 8, the credit card payment approval full text and the bank transfer approval full text through FS (File Separator) for convenience. Although it is shown to distinguish the, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F), or CR (Carriage Return, 0X0D) and / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of those skilled in the art, and the present invention is not limited thereto.

Among the specializations, the account transfer approval specialist may provide a status value item (eg, 'O': account transfer request normal approval, 'X': account for the account transfer request to simultaneously provide electronic payment and account transfer according to the present invention. Transfer request rejection), and an authorization number item for the wire transfer request (for example, when the status value item is 'O', an account transfer approval number, or when the status value item is 'X', a reason for refusal of bank transfer Code, etc.), a deposit bank code item for the bank where the bank transfer amount is deposited, a deposit account number item for the financial account in which the bank transfer amount is deposited, and a depositor name of the deposit account. It is done.

According to another exemplary embodiment of the present invention, some of the information included in the bank transfer approval specialist is included in the message 3 item and / or message 4 item included in the credit card payment approval specialist. It may be received by the 100, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the compound message includes a predetermined check card payment approval specialist that enables electronic payment processing through the payment terminal device instead of the credit card payment approval specialist, It is preferable to include a predetermined check card based account transfer approval specialist for providing a check card based account transfer service for withdrawing a predetermined cash from the predetermined financial account associated with the check card and depositing it into the predetermined financial account. . In this case, the check card-based account transfer approval specialist changes the cash service transaction division into the check card-based account transfer transaction division in the cash service approval specialist illustrated in FIG. 9, and corresponds to the cash service. The value item and the authorization number item may be implemented by changing the status value item and the authorization number item corresponding to the check card based account transfer service. In addition, the deposit bank code item, the deposit account number item and the account holder item shown in FIG. 9 may be used as it is.

10 is a diagram illustrating a process of simultaneously providing an electronic payment and an account transfer service in a payment terminal device 100 according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates the creation of a compound message as shown in FIG. 8 to simultaneously provide an electronic payment and account transfer service according to the present invention in a predetermined payment terminal device 100 through a predetermined payment network 180. As an example of an exemplary method of transmitting to a predetermined card company (or financial company) and receiving and processing a complex approval message as shown in FIG. 9 from the card company (or financial company), the general knowledge in the technical field to which the present invention belongs. Those having the same will be able to infer various operation methods for the payment terminal device 100 which simultaneously provides the electronic payment and account transfer service according to the present invention by referring to and / or modifying the drawing 10. The present invention includes all the implementation methods inferred, and the method of operating the payment terminal device 100 is limited to that shown in FIG. Not the nose.

Referring to FIG. 10 according to an embodiment of the present invention, the payment terminal device 100 recognizes a card provided with at least one payment means through a predetermined card reader, and obtains predetermined payment means information from the card. The operation of the payment terminal device 100 for simultaneously providing the electronic payment and the account transfer service according to the present invention is started through the reading process 1000, whereby the payment terminal device 100 is viewed from the standby state. The electronic payment and account transfer interworking mode according to the invention is switched (1005).

According to another exemplary embodiment of the present invention, a process in which an operation process of the payment terminal device 100 for simultaneously providing an electronic payment and an account transfer service according to the present invention is started, is defined in each payment terminal device 100. An operation procedure that is changed according to the electronic payment operation procedure and / or is simultaneously defined in order to simultaneously provide the electronic payment and account transfer service according to the present invention (for example, a predetermined "account transfer provided in the payment terminal device 100). "By clicking the button and recognizing the card can be changed by the operating procedure for payment terminal device 100 defined to provide the electronic payment and account transfer service at the same time according to the present invention, but the present invention is limited by this Never.

As described above, an operation process of a payment terminal device 100 for simultaneously providing an electronic payment and an account transfer service according to the present invention is started, and payment means information is read from a predetermined card in the process, and the electronic payment according to the present invention. After switching to the bank transfer interworking mode, the payment terminal device 100 includes a payment amount and / or installment months through a predetermined key input device as shown in (a) and (b) of Figure 11a Receive predetermined electronic payment related information by receiving related information, and / or receiving payment amount from a predetermined POS terminal, and receiving installment months through a predetermined key input device as shown in (b) of FIG. (Or input) is received (1010).

Thereafter, the payment terminal device 100 receives a predetermined account transfer service in association with the electronic payment according to the present invention through a predetermined screen output device (for example, the payment terminal device 100 is provided with the amount of the account transfer amount). Inquiring whether the electronic payment and the wire transfer interworking service provided from the affiliated store, and checks whether the electronic payment and the wire transfer interlocking service provided through a predetermined key input device (1015).

According to an exemplary embodiment of the present invention, the process of checking whether the electronic payment and the wire transfer interworking service are provided includes inquiring whether the payment terminal device 100 provides a wire transfer service during the electronic payment to a predetermined screen output device. It is preferable to output a predetermined interface screen so that the payment terminal device 100 operator (or card user) selects it.

According to another exemplary embodiment of the present invention, the process of checking whether the electronic payment and the wire transfer interworking service are provided may include a payment amount from the payment terminal device 100 to a predetermined screen output device as shown in FIG. Outputting an interface screen for inputting a predetermined amount of money transfer to the interface screen, and the operator (or card user) of the payment terminal device 100 receives the electronic payment and account transfer interworking service according to the present invention; If it is selected and does not input a predetermined amount of money transfer on the interface screen, the operator (or card user) of the payment terminal device 100 does not select to receive the electronic payment and account transfer interworking service according to the present invention. It may be regarded as.

If the electronic payment and the wire transfer interworking service provision according to the present invention is not confirmed (for example, only electronic payment is performed through the payment terminal device 100) 1020, the payment terminal device 100 is read from the card. Generate a predetermined electronic payment request message including the payment means information, the electronic payment related information and the merchant information (for example, the payment terminal device 100 related information) (1025), and generate the generated electronic payment request The transmission is transmitted to a predetermined card company (or financial company) through a predetermined payment network 180, and the receiving service receives a predetermined composite approval message corresponding to the electronic payment request message from the card company (or financial company) (1030). If a predetermined composite approval message corresponding to the electronic payment request message is received from the card company (or financial company) through the payment network 180 (1035), the payment terminal device 100 receives the received composite approval message. The electronic payment approval result included in the readout is read and output through a screen output device and / or a printing device (eg, a credit payment receipt shown in FIG. 6A) provided in the payment terminal device 100 (1040).

On the other hand, if it is confirmed that the electronic payment and account transfer interworking service provided according to the present invention (1020), the payment terminal device 100 inputs a predetermined amount of the account transfer as shown in (c) of Fig. 11a through a predetermined screen output device. An interface screen to input a bank number as shown in (b) of FIG. 11b, an interface screen to input an account number as shown in (b) of FIG. 11b, and a card password as shown in (c) of FIG. 11b. An interface screen is output (1045), and on the basis of the annoying interface screen, it is checked whether predetermined account transfer related information including the money transfer amount information and password information is input through a predetermined key input device (1050).

If predetermined bank transfer related information is input (1055), the payment terminal device 100, as shown in Figure 8, the payment means information read from the card, the electronic payment related information and merchant information (e.g., And generate a complex full message including a predetermined electronic payment request full text (including information related to the payment terminal device 100) and a predetermined full money transfer request full text including the bank transfer related information (1060), and generate the composite text. The full text is transmitted to a predetermined card company (or financial company) through the predetermined payment network 180, and the card company (or financial company) receives a predetermined complex approval text corresponding to the complex full text (1065).

If a predetermined complex approval message corresponding to the complex text message is received from the card company (or financial company) through the payment network 180 (1070), the payment terminal device 100 is included in the received complex approval text message. The electronic payment approval result and the wire transfer approval result are classified and read out and output through a predetermined screen output device and / or a printing device (for example, a credit settlement receipt shown in FIG. 6A and a bank transfer receipt shown in FIG. 12). (1075).

In addition, the payment terminal device 100 classifies the electronic payment approval full text (or electronic payment approval result) and the bank transfer approval full text (or account transfer approval result) included in the complex approval message by storage area and the memory unit ( Each of the storage areas provided at 150 is stored (1080).

According to the embodiment of the present invention, the payment terminal device 100 has passed the period in which the transaction for canceling the electronic payment approval full text (or the electronic payment approval result) and / or the bank transfer approval full text (or the account transfer approval result) has elapsed. It is preferable to store until, so that it is possible to inquire and confirm the electronic payment and / or account transfer provided through the payment terminal device 100 after a certain period of time.

11A and 11B illustrate a process of simultaneously providing an electronic payment and an account transfer service in the payment terminal device 100 according to an embodiment of the present invention.

More specifically, Figures 11a and 11b is an exemplary method for illustrating the operation of the payment terminal device 100 for simultaneously providing a credit settlement and account transfer service according to the present invention in a predetermined payment terminal device 100; As one of ordinary skill in the art to which the present invention pertains, a payment for simultaneously providing the electronic payment and the transfer service according to the present invention according to the intention to those skilled in the art by referring to and / or modifying the drawings 11a and 11b. Various operation processes for the terminal device 100 may be inferred, but the present invention includes all the inferred implementation methods, and the operation of the payment terminal device 100 is illustrated in FIGS. 11A and 11B. It is by no means limited.

FIG. 12 is a diagram illustrating printing and outputting an electronic payment and account transfer service result in a payment terminal device 100 according to an exemplary embodiment of the present invention.

In more detail, FIG. 12 illustrates the creation of a compound text message as shown in FIG. 8 to simultaneously provide an electronic payment and account transfer service according to the present invention in a predetermined payment terminal device 100 through a predetermined payment network 180. After transferring to a predetermined credit card company (or financial company), receiving a complex approval message as shown in FIG. 9 from the credit card company (or financial company), the credit settlement approval result and account transfer included in the complex approval message shown in FIG. As an example of an exemplary method of classifying, reading, and printing an approval result, FIG. 12 corresponds to a bank transfer approval specialist included in the complex approval message on a credit receipt form as shown in FIG. 6A. It is an example of a receipt printed out by reading the result of the bank transfer approval.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to provide a person with ordinary skill in the art according to the intention and / or receipt form to simultaneously print and provide the electronic payment and account transfer service according to the present invention. The output result may be easily inferred, but the present invention includes all the inferred implementation methods, and the print output result according to the present invention is not limited to that shown in FIG.

13 is a diagram illustrating a process of simultaneously providing an electronic payment and account transfer service in the payment terminal device 100 according to another embodiment of the present invention.

In more detail, Figure 13 shows at least one of the electronic payment and account transfer services after providing the electronic payment and account transfer service according to the present invention at the same time through the same process as shown in Figure 10 in a predetermined payment terminal device 100; In order to cancel the above, a predetermined compound message is generated and transmitted to a predetermined card company (or financial company) through a predetermined payment network 180, and a complex approval message corresponding to the compound message is received from the card company (or financial company). As an example of an embodiment of the present invention, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 13 and electronic payment and account according to the present invention according to the intention of the person skilled in the art. Various operation methods for the payment terminal device 100 for canceling at least one or more of the transfer service may be inferred, but the present invention It includes all exemplary way in which the inference, it is by no means limited to this payment terminal device 100 operates the way shown in the figure 13.

Referring to FIG. 13 according to an embodiment of the present invention, the payment terminal device 100 recognizes a card provided with at least one payment means through a predetermined card reader, and obtains predetermined payment means information from the card. The operation of the payment terminal device 100 for simultaneously providing the electronic payment and the bank transfer service according to the present invention is performed through the reading process 1300.

Thereafter, the payment terminal device 100 waits for the operation state of the payment terminal device 100 through a predetermined key button (for example, a "cancel transaction" button) provided in the key input device according to the present invention. Switch to electronic payment / cash service cancellation mode (1305).

According to another exemplary embodiment of the present invention, the process of starting the operation of the payment terminal device 100 for canceling at least one or more of the electronic payment and the bank transfer service according to the present invention is described in each payment terminal device 100. May be altered in accordance with a defined electronic payment operating procedure and / or by a newly defined operating procedure for canceling at least one or more of an electronic payment and a wire transfer service according to the present invention, thereby limiting the present invention. It never happens.

As described above, a process of operating the payment terminal device 100 for canceling at least one or more of electronic payment and bank transfer service according to the present invention is started, and in the process, payment means information is read from a predetermined card, and according to the present invention. After switching to the electronic payment / cash service cancellation mode, the payment terminal 100 inputs a predetermined document number printed on the receipt printed on the drawings 12a and / or 12b through a predetermined key input device. (1310)

Subsequently, the payment terminal device 100 selects a predetermined cancellation target selection interface screen for selecting at least one or more canceled transactions among electronic payment and bank transfer services according to the present invention as a predetermined screen output means based on the document number. In operation 1315, the controller 130 determines whether at least one transaction to be canceled is selected through a predetermined key input device.

According to one embodiment of the present invention, the payment terminal device 100 is based on the at least one electronic payment approval (or electronic payment approval results) stored in the memory unit 150 based on the entered document number and And / or by searching for the full text of the bank transfer approval (or the result of the bank transfer approval), confirming that the transaction corresponding to the document number is a transaction provided simultaneously with the electronic payment and the bank transfer service according to the present invention; If the transaction corresponds to a transaction in which the electronic payment and the wire transfer service according to the present invention are provided at the same time, a predetermined cancellation for selecting at least one or more canceled transaction among the electronic payment and the bank transfer service according to the present invention as the screen output means. It is preferable to output the target selection interface screen.

According to another exemplary embodiment of the present invention, when the memory unit 150 does not store at least one electronic payment approval full text (or electronic payment approval result) and / or wire transfer approval full text (or bank transfer approval result), The payment terminal device 100 displays a predetermined cancellation target selection interface screen for selecting at least one or more canceled transactions among electronic payment and account transfer services that can be provided through the payment terminal device 100 as the screen output means. It is possible to output.

If at least one cancellation target transaction is selected through the cancellation target selection interface screen (1320), the payment terminal device 100 is the electronic payment and / or corresponding to the selected cancellation target transaction of the electronic payment and account transfer services; A predetermined compound telegram for canceling a wire transfer service (for example, a transaction classification item corresponding to a canceled transaction in the compound telegram shown in FIG. 8 includes information corresponding to "cancel transaction", and is shown in FIG. 8 above). Create a complex cancellation for a transaction including the same document number as the document number included in the compound message (1325), and generate the generated compound message to a predetermined card company (or financial company) through a predetermined payment network 180; In operation 1330, the card company (or financial company) receives a predetermined compound approval message corresponding to the compound message from the card company (or financial company).

If a predetermined complex approval message corresponding to the complex text message is received from the card company (or financial company) through the payment network 180 (1335), the payment terminal device 100 is included in the received complex approval text message. The electronic payment cancellation result and / or the account transfer cancellation result for the at least one canceled transaction which have been processed are classified and read and output through a predetermined screen output device and / or a printing device (1340).

In addition, the payment terminal device 100 is based on the electronic payment cancellation full text (or electronic payment cancellation result) and / or transfer payment cancellation full text (or account transfer cancellation result) included in the composite approval message, the memory unit 150 ), The electronic payment approval full text (or the electronic payment approval result) including the document number matching the document number of the electronic payment cancellation full text message (or the electronic payment cancellation result), or the bank transfer cancellation text message ( Alternatively, the entire bank transfer approval full text (or a bank transfer approval result) including the document number matching the document number of the bank transfer cancellation result) is updated (1345).

According to the present invention, as the electronic payment and cash service (and / or bank transfer service) at the same time through the predetermined payment network (VAN) through the payment terminal device, the card user to ATM / cash to withdraw cash; There is an advantage that can solve the inconvenience of having to find a financial automation device such as a CD.

According to the present invention, as the electronic payment and the cash service (and / or bank transfer service) through the payment terminal (VAN) at the same time through the payment terminal device, the card user at the ATM after the bank window deadline / CD has the advantage of reducing commissions for cash services (and / or wire transfer services).

According to the present invention, as the electronic payment and cash service (and / or transfer service) through the payment terminal (VAN) at the same time through the payment terminal device, the merchant equipped with the payment terminal device is the card user There is an advantage that a portion of the cash service (and / or bank transfer service) fee that had to be paid by the ATM / CD usage fee can be provided as the payment terminal device based cash service (and / or bank transfer service) fee.

Claims (11)

In the card terminal device of a merchant having a card reader unit for reading card information, a key input unit for receiving predetermined information, and a communication processing unit for performing a communication processing function, An information processing unit which provides the composite message generation unit with the card information read through the card reader unit, payment history information input through the key input unit, and information for requesting the cash service withdrawal of the customer; Compose a payment approval request text for payment processing using the card information and the payment history information, and configure a cash withdrawal request text using the card information and the information for the cash service withdrawal request, and then the payment approval request. A complex specialty generation unit for generating a complex full text including a full text and a cash withdrawal request full text; A transmission unit for transmitting the complex telegram generated by the complex telegram generation unit to the server on a communication network through the communication processor; A receiving unit for receiving a composite approval message (payment approval message and cash withdrawal approval message) corresponding to the complex message from a server on a communication network through the communication processor; And And a composite approval specialty processing unit for outputting the received composite approval full text received by the receiving unit or storing in a predetermined memory. The method of claim 1, wherein the composite approval professional processing unit, Outputting the combined approval text as a single text message, or Card terminal device with a combined professional processing function, characterized in that each output payment approval and cash withdrawal approval full-text distinctive output. The method of claim 1, wherein the composite approval professional processing unit, Store the complex authorization full text in memory as a single full text message, or Card terminal device with a combined professional processing function, characterized in that the separate payment approval and cash withdrawal approval full-text to separate and store in a separate storage area on the memory. The method of claim 1, wherein the card reader unit, Characterized in that it comprises at least one credit card reader unit, check card reader unit, debit card reader unit, MS (Magnetic Stripe) card reader unit, IC card reader unit, a card terminal device having a combined professional processing function, characterized in that it comprises at least one or more IC chip reader unit provided in the wireless terminal. A computer-readable recording medium having recorded thereon a program for executing a function of the device component of claim 1. delete delete delete delete delete delete

Images