KR100822999B1 - Method for Processing Payment by Using Communication Number, Recording Medium - Google Patents

Abstract

The present invention relates to a payment processing method and system using a communication number, a payment processing relay device and a recording medium for the same, and the payment processing method using the communication number according to the present invention comprises a unique number of a customer communication terminal in a predetermined information storage means. An information storage step of linking the information with the customer credit card (or check card) information and storing the information in a predetermined storage medium; and receiving a full payment approval request message including the unique number information of the customer communication terminal from a predetermined information receiving means. Checking the information of the customer credit card (or check card) associated with the customer communication terminal unique number included in the message, in the information receiving step and in connection with the storage medium (or storage medium operating means) in a predetermined information checking means; Information confirmation step and predetermined payment approval processing means using the confirmed customer credit card (or check card) information. A payment approval processing step of processing a payment approval corresponding to the payment approval request and an information transmission step of transmitting the payment approval processing details to the payment approval request specialized transmission means and / or the customer communication means in a predetermined information transmission means; Include.

Telecom number, payment, relay

Description

Payment processing method using communication number and payment processing recording medium therefor {Method for Processing Payment by Using Communication Number, Recording Medium}

1 is a diagram illustrating an information registration system for storing payment processing according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for storing payment processing according to an embodiment of the present invention.

3 is a view showing a storage payment system according to an embodiment of the present invention.

4 is a view showing a functional configuration of a storage terminal according to an embodiment of the present invention.

5A and 5B are views illustrating a process of generating a full payment approval request for storing payment processing in a storage terminal and transmitting the generated storage approval request message to a storage processing server according to an exemplary embodiment of the present invention.

6A and 6B illustrate an operation method of generating and transmitting a telegram in a receiving terminal according to another exemplary embodiment of the present invention.

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

8 is a diagram illustrating an operation method for confirming an operation mode of a payment terminal according to an embodiment of the present invention.

9A and 9B illustrate an operation method of generating and transmitting a telegram in a payment terminal according to an embodiment of the present invention.

10 illustrates a storage payment processing process according to an embodiment of the present invention.

11 illustrates a final payment process for storing payment according to an embodiment of the present invention.

12 illustrates a process of notifying a result of a payment settlement process according to an embodiment of the present invention.

13 is a view showing a storage payment system according to an embodiment of the present invention.

14 is a diagram illustrating an information providing process for a web-based payment settlement process according to an embodiment of the present invention.

15 illustrates a storage payment processing process according to an embodiment of the present invention.

Figure 16 shows the final payment process of storage payment according to the embodiment of the present invention.

17 illustrates a process of notifying a result of a payment settlement process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: authentication information setting unit

130: storage medium 135: client terminal

300: storage processing server 305: payment approval processing unit

310: approval processing unit 315: terminal side communication unit

320: payment result transmitter 325: payment information receiver

330: information verification unit 335: wireless processing unit

340: information transmitter 345: information receiver

350: authentication processing unit 355: storage terminal

360: payment terminal 365: customer wireless terminal

The present invention is provided with a storage terminal (or payment terminal) according to the present invention in a predetermined storage requesting institution, the customer wireless terminal number, credit card (or check card) information for the storage payment processing according to the present invention on the storage medium When the storage requesting institution information and / or the payment processing target information are stored in a coordinated manner, a predetermined communication network (eg, a wired communication network or a wireless communication network) and / or a payment network (VAN) are stored from the storage terminal (or payment terminal). When a predetermined payment approval request for a storage payment processing is transmitted through the storage payment processing system according to the present invention based on the full payment approval request for storage payment processing.

Conventionally, a method of paying utility bills, tuition fees, tuition fees, etc., is a method of paying directly through the storage requesting institution and paying by cash and / or card payment, optical character recognition (OCR) and / or magnetic ink character recognition (MICR). There is a method of visiting and paying a predetermined storage institution (eg, a bank, a post office, etc.) through a giro paper, and a method of paying using an internet payment system.

Among the payment methods described above, the payment method using the Giro paper is inconvenient that the payer should visit the bank directly with the Giro paper. Also, the payment method using the Internet payment system also depends on the Internet payment procedure. It is inconvenient to perform complicated information input process.

However, the payment method using the Giro paper and the payment method using the Internet payment system are mainly used by institutions that issue a large amount of bills such as utility bills, and small institutions such as school tuition fees and / or building rents. In the case of (or businesses), a very inconvenient payment method is used in which the payer visits the institution (or company) and pays through cash and / or credit card payment.

In particular, in the case of paying the school tuition fee of the child, parents visit the school directly and pay the tuition fee, or transfer the school tuition fee to the school through the child is mainly used. Not only is it very inconvenient, it also carries the risk of loss.

An object of the present invention, by linking the customer communication terminal unique number information and customer credit card (or check card) information to store in a predetermined storage medium, and receives the full payment approval request message containing the customer communication terminal unique number information Information receiving means; In connection with the storage medium (or storage medium operating means), the customer credit card (or check card) information associated with the customer communication terminal identification number included in the full text is confirmed to check the customer credit card (or check) A payment processing system using a communication number for processing a payment approval corresponding to the payment approval request using the card) information and transmitting the payment approval processing details to the payment approval request specialized transmission means and / or the customer communication means. In providing.

In the payment processing method using the communication number according to the present invention according to the present invention, a predetermined information storage means for linking the customer communication terminal unique number information and customer credit card (or check card) information to store in a predetermined storage medium Information storage step; An information receiving step of receiving, in a predetermined information receiving means, a full payment approval request message including the unique number information of the customer communication terminal; An information checking step of confirming customer credit card (or check card) information associated with the customer communication terminal identification number included in the full text in association with the storage medium (or storage medium operating means) in a predetermined information checking means; A payment approval processing step of processing a payment approval corresponding to the payment approval request by using the confirmed customer credit card (or check card) information in a predetermined payment approval processing means; And an information transmitting step of transmitting, from a predetermined information transmitting means, the payment approval processing details to the payment approval request specialized transmission means and / or the customer communication means.

According to the present invention, the information storing step, the payment processing target information-payment processing target merchant information and payment processing using the customer communication terminal unique number information that is processed in association with the customer credit card (or check card) information; And the processing amount information, the payment processing use information, and the payment processing target information including at least one or more payment processing target customer information.

In addition, according to the present invention, the information checking step, the payment processing target information-payment is processed using the customer communication terminal unique number information that is processed in association with the customer credit card (or check card) information on the storage medium; In the case where payment processing target information including at least one processing target merchant information, payment processing amount information, payment processing usage information, payment processing target customer information, and the like is further stored, the payment processing target included in the preamble is stored. The method may further include determining whether the payment is included in a payment processing target previously stored in the medium.

Further, according to the present invention, the payment approval processing step, if the card associated with the customer communication terminal unique number is a credit card, the payment approval processing means checks the credit limit of the customer credit card, the payment Confirming whether the amount of money corresponding to the approval request can be processed; Processing the approval in response to the payment approval request in the payment approval processing means if the approval result is possible to be processed; When the server on the communication network connected to the payment approval processing means transmits the payment processing details to the customer communication means, and receives the approval information for the payment processing from the customer communication means, it notifies the payment approval processing means. step; And converting the temporary approval process into an approval process on the basis of the approval information in the payment approval processing means.

In addition, when the card associated with the customer communication terminal unique number is a check card, the payment approval processing means checks the payment account corresponding to the customer check card, and in connection with the account management means for managing the payment account Checking whether money can be withdrawn corresponding to the payment approval request, and requesting the payment account to set an amount withdrawal prevention lock corresponding to the payment approval request; When the server on the communication network connected to the payment approval processing means transmits the payment processing details to the customer communication means, and receives the approval information for the payment processing from the customer communication means, it notifies the payment approval processing means. step; And requesting the lock release and withdrawal of the payment amount set to the account management means to the account management means based on the approval information by the payment approval processing means.

In addition, according to the present invention, the payment approval processing step, the payment approval processing means to check the limit of the customer credit card (or the balance of the check card payment account), it is possible to approve payment corresponding to the payment approval request Confirming whether or not; If the payment result is approved, processing the temporary approval corresponding to the payment approval request in the payment approval processing means; Registering the approval processing details on a predetermined website in a server on a communication network connected to the payment approval processing means; When the customer accesses the website, the predetermined website operating means presents the registered approval details to the customer, and if the customer approves the payment processing corresponding to the approval details, the payment approval is performed. Notifying to the processing means; And converting the temporary approval process into an approval process based on the approval information of the customer in the payment approval processing means.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the payment processing method using the communication number described above.

On the other hand, the payment processing system using a communication number according to the present invention, the information storage means for storing a predetermined storage medium by integrating the customer communication terminal unique number information and customer credit card (or check card) information; Information receiving means for receiving the full payment approval request message including the unique number information of the customer communication terminal; Information checking means for confirming customer credit card (or check card) information linked to the customer communication terminal identification number included in the preamble in association with the storage medium (or storage medium operating means); Payment approval processing means for processing payment approval corresponding to the payment approval request by using the confirmed customer credit card (or check card) information; And information transmission means for transmitting the payment approval processing details to the payment approval request full text transmission means and / or the customer communication means.

According to the invention, each said means is characterized in that it is included in a single server or in a plurality of servers.

On the other hand, the payment processing relay device according to the present invention, the receiving unit for receiving the customer communication terminal unique number information and payment approval request information; The customer credit associated with the received customer communication terminal identification number information by linking the customer communication terminal identification number information and the customer credit card (or check card) information in association with a predetermined storage medium (or storage medium operating means) Confirmation unit for confirming the card (or check card) information; And requesting payment approval to the server managing the confirmed customer credit card (or check card), and notifying the approval result from the server, receiving payment processing customer approval information in association with the customer communication means, and And a payment approval relay processing unit which transmits the payment processing customer approval information transmitted from the customer communication means to the server and requests the conversion of the approval processing to the approval processing.

According to the present invention, the payment processing relay device, the transfer unit for transmitting the payment approval processing details to the payment approval request terminal and / or the customer communication means when the server converts the approval approval processing to the approval processing; It is characterized by comprising.

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

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

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

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

1 is a diagram illustrating an information registration system for storing payment processing according to an embodiment of the present invention.

In more detail, FIG. 1 shows that a predetermined client terminal 135 accesses an information registration system through a predetermined network means, and receives a customer wireless terminal number, credit card (or check card) information for a payment processing according to the present invention. The system configuration for storing and storing the storage requesting agency information and / or payment processing target information in the storage medium 130, if the person skilled in the art to which the present invention pertains, refer to this figure and It may be inferred that various implementation methods for the information registration system configuration for storage payment processing may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. .

Hereinafter, on the information registration system shown in FIG. 1, the storage medium stores the customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information provided from the client terminal 135. Components corresponding to at least one or more means and / or functional configurations for storage at 130 are referred to as " information registration servers " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for storing payment processing according to the present invention includes at least one client terminal 135 connected to a predetermined network means, and the client terminal 135. A storage medium 130 for storing and cooperatively storing the customer wireless terminal number, credit card (or check card) information, storage request authority information, and / or payment processing target information transmitted from the network, and the client terminal 135 It is connected via a network means, and receives the customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information transmitted through the network means and connects to the storage medium 130. Characterized in that it comprises an information registration server 100 to process and store.

The client terminal 135 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a communication system, and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal comprising at least one mobile communication terminal and / or a portable internet terminal connected to an IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises the above, wherein the client terminal 135 is made from the information registration server 100 A function configuration (eg, a browser program and a communication function) for outputting at least one interface screen, and inputting and / or selecting at least one information through the interface screen and transmitting the selected information to the information registration server 100. It is preferable that it is done.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 135 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 135 is a wired terminal, the network means includes the TCP / IP based wired network, and when the client terminal 135 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

The storage medium 130 provided on the information registration system according to the present invention is a customer wireless terminal number, credit card (or check card) information transmitted from the client terminal 135, storage requesting agency information and / or payment processing Characterized in that the target information is processed by linking.

In this case, the customer wireless terminal number is connected to a code division multiple access (CDMA) based mobile communication network to receive voice calls, wireless messages, and wireless Internet services. Global System for Mobile terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone Phone) preferably comprises a phone number assigned to at least one mobile communication terminal.

According to another embodiment of the present invention, when the customer uses the IEEE 802.16x-based portable Internet terminal in addition to the mobile communication terminal, the customer radio terminal number corresponding to the mobile communication telephone number is the IEEE 802.16 It may further include a wireless terminal address provided in the x-based portable Internet terminal, whereby the present invention is not limited.

In addition, the credit card information comprises at least one or more TRACK II information, such as credit card number, expiration date, card user English name, card issuer information for the credit card issued to the customer by a predetermined card issuing institution Preferably, and / or the check card information is TRACK II information such as a check card number, expiration date, card user's English name, card issuer information for the check card issued to the customer by the card issuer (or financial institution) It is preferable to include at least one.

In addition, the storage requesting agency information is institution information requesting the customer to receive and pay at least one storage amount (or payment amount), the storage requesting institution is a school used by the customer (or the child of the customer), and / Or any institution that periodically charges the customer a predetermined storage amount (or payment amount), such as a newspaper / magazine that the customer subscribes to regularly or a management office of the apartment in which the customer resides. The present invention is not limited by the specific organization.

According to an embodiment of the present invention, the storage requesting organ information includes at least two storage requesting organs, the storage requesting institution specific information for identifying a specific storage requesting organ. Card payment merchant information for the payment request institution, and / or terminal information provided in a predetermined storage terminal (and / or payment terminal) provided in the storage requesting institution, and / or a storage processing institution (for example, a financial company, Card company, etc.) and / or an identification code uniquely assigned to the storage requesting institution, and / or a business registration number (and / or corporate registration number) assigned to the storage requesting institution, and / or a resident registration number of the representative of the storage requesting institution. It is preferable to include at least one or more of the representative information.

In particular, the storage requesting agency information is provided to the card payment affiliated store information, and / or terminal information provided to a predetermined storage terminal (and / or payment terminal) provided in the storage requesting institution, and / or to the storage requesting institution. Storage payment processing using the customer-owned credit card (or check card) is provided because the information includes representative information including the registered business registration number (and / or corporate registration number), and / or the resident registration number of the representative of the storage requesting institution. Can be.

The storage requesting institution information may further include the storage requesting institution account information (or deposit account information) to which the credit card (or check card) payment amount is to be deposited. The treatment process is easily processed.

If the storage requesting agency information does not include the storage requesting institution account information (or the deposit account information), the storage requesting institution account information (or the deposit account information) is stored in the storage request processing process according to the present invention. It may be provided in real time from (eg, may be provided included in the full payment approval request for storage payment processing transmitted from the storage terminal (and / or payment terminal) provided in the storage requesting institution), thereby limiting the present invention Not.

In addition, the payment processing target information is information for identifying a storage amount (or payment amount) billed to a specific customer of a plurality of storage amount (or payment amount) that can be charged to at least one or more customers. The payment processing target information may include storage item information corresponding to the storage requesting institution.

For example, if the storage requesting institution is a school, the payment processing object includes storage item information for identifying a specific lecture among a plurality of lectures opened in the school.

According to the exemplary embodiment of the present invention, the payment processing target information may include at least one or more of the payment processing target merchant information, the payment processing amount information, the payment processing usage information, and the payment processing target customer information.

According to an embodiment of the present invention, the information registration server 100 is provided with the client terminal 135 through the network means to provide a web interface corresponding to the client terminal 135 and the network means. And an interface unit 105 for connecting and managing a communication channel, whereby the information registration server 100 communicates with the client terminal 135 through a wired network and / or a wireless network. It has the function of a web server.

According to an exemplary embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 105 connects to the client terminal 135 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the client terminal 135 through a communication channel based on a Hyper-Text Transfer Protocol protocol. Transmits and outputs the data, and inputs (or selects) predetermined customer wireless terminal number, credit card (or check card) information, storage requesting agency information, and / or payment processing object from the client terminal 135 through the interface screen. It is desirable to perform a function of receiving and processing information.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through a CDMA based wireless network, the interface unit 105 is connected to the client terminal 135 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the client terminal 135 through the communication channel. Transmits and outputs a screen and / or information providing screen, and predetermined client wireless terminal number, credit card (or check card) information, storage requesting agency information and / or corresponding to the interface screen from the client terminal 135 It is preferable to perform a function of receiving and processing payment processing target information.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 105 may be connected to the client terminal 135. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, and transmit and output a predetermined interface screen and / or information providing screen to the client terminal 135 through the communication channel, and the client terminal. It is preferable to perform a function of receiving and processing predetermined customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information corresponding to the interface screen from 135; and / Or a wireless terminal in which the client terminal 135 is connected to the communication channel via a DataTAC / Mobitex-based wireless network In this case, the interface unit 105 connects a predetermined communication channel with the client terminal 135 based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and predetermined to the client terminal 135 through the communication channel. Transmits and outputs an interface screen and / or an information providing screen of the client, the predetermined client wireless terminal number corresponding to the interface screen, credit card (or check card) information, storage requesting agency information, and / or the like. Alternatively, it is preferable to perform a function of receiving and processing payment processing target information.

Referring to FIG. 1, when the predetermined client terminal 135 accesses the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. Generates a predetermined interface screen for transmitting (or selecting) predetermined customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information in the client terminal 135. (Or extract) the customer's wireless terminal number and credit inputted (or selected) and transmitted through the interface screen from the interface providing unit 110 and the client terminal 135 in cooperation with the interface unit 105 Information receiving unit 115 for receiving card (or check card) information, storage requesting agency information and / or payment processing target information, and the received customer wireless terminal number and credit card (or check). Card) information, storage requesting agency information, and / or payment processing target information in association with the storage medium 130 to store the information storage unit 120.

The interface providing unit 110 has a functional configuration (for example, a client) provided in the client terminal 135 when a predetermined client terminal 135 accesses the information registration server 100 through the interface unit 105. The network means by inputting (or selecting) predetermined customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information corresponding to the browser program provided in the terminal 135). Generate a predetermined interface screen that can be transmitted to the information registration server 100 through, or / or extracted from a predetermined database (not shown), and generates (or extracted) in conjunction with the interface unit 105 The provided interface screen is provided to the client terminal 135 through the network means.

Thereafter, the client terminal 135 inputs (or selects) predetermined customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information based on the interface screen. The input (or selected) customer wireless terminal number, credit card (or check card) information, storage request authority information and / or payment processing target information is transmitted to the information registration server 100 via the network means.

The information receiver 115 inputs a predetermined customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information through the interface screen on the client terminal 135 (or And receiving the customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information in association with the interface unit 105 when transmitting through the network means. The received customer wireless terminal number, credit card (or check card) information, storage request agency information and / or payment processing target information is provided to the information storage unit 120.

The information storage unit 120 stores the customer wireless terminal number, credit card (or check card) information, a storage requesting agency information, and / or payment processing target information received through the information receiving unit 115 in association. It is characterized in that the storage in the medium (130).

According to the present invention, when the customer wireless terminal number is first received from the client terminal 135 and stored in the storage medium 130, the information registration server 100 is stored in the storage payment processing process according to the present invention. And an authentication information setting unit 125 for setting predetermined storage payment authentication information for authenticating the storage payment processing through the wireless terminal corresponding to the customer wireless terminal number.

According to one embodiment of the present invention, the storing payment authentication information includes a predetermined password for authenticating the storing payment process through a wireless terminal corresponding to the customer wireless terminal number in the storing payment processing process according to the present invention. It is preferable to make.

At this time, the authentication information setting unit 125 generates (or extracts) a predetermined password input interface screen through the interface providing unit 110 to set the password as the storage payment authentication information, and the interface unit. By providing the password input interface screen to the client terminal 135 (or a wireless terminal corresponding to the customer wireless terminal number) through 105, the wireless terminal corresponding to the client terminal 135 (or the customer wireless terminal number). Receiving a predetermined password for authenticating the storage payment process through a wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention, and processing the received password as the storage payment authentication information. It is preferable to store the data in association with the customer wireless terminal number.

According to another embodiment of the present invention, the storage payment authentication information is a predetermined OTP (One) to authenticate the storage payment processing through a wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention Time Password) is preferably included.

At this time, the authentication information setting unit 125 is provided to a predetermined OTP generating program to the wireless terminal corresponding to the customer wireless terminal number through the interface unit 105 to set the OTP as the storage payment authentication information. And OTP authentication information for authenticating OTP dynamically generated through the OTP generation program mounted in the wireless terminal (eg, OTP dynamically generated through the OTP generation program mounted in the wireless terminal). Information for generating an OTP) to the storage payment authentication information and stored in association with the customer wireless terminal number.

According to another embodiment of the present invention, the storage payment authentication information for authenticating the storage payment processing through the wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention, the password and / or OTP In addition to the other authentication information (for example, the biometric information of the customer) may further include, the authentication information setting unit 125 is a wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention. By setting predetermined storage payment authentication information for authenticating the storage payment processing, and storing the set storage payment authentication information in association with the customer wireless terminal number.

Referring to FIG. 1, the storage payment authentication information is shown to be stored in the storage medium 130 in association with the customer wireless terminal number, but the present invention is not limited thereto.

The storage payment authentication information is processed in association with the customer wireless terminal number in order to provide a high security for the storage payment processing process according to the present invention can be stored in a separate database in addition to the storage medium 130, Thereby, this invention is not limited.

2 is a diagram illustrating an information registration process for storing payment processing according to an embodiment of the present invention.

In more detail, Figure 2 is a predetermined client terminal 135 is connected to the information registration server 100 through a predetermined network means through the information registration system shown in Figure 1 for the storage payment processing according to the present invention The customer wireless terminal number, credit card (or check card) information, storage request authority information, and / or payment processing target information is stored in association with the storage medium 130, and the predetermined storage payment authentication information is set to set the above information. As a process of linking with and storing a guest wireless terminal number, a person having ordinary knowledge in the technical field to which the present invention pertains refers to an information registration process for storing payment processing by referring to and / or modifying the drawing 2. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG. The.

For example, although FIG. 2 illustrates that the password is set as storing payment authentication information for authenticating the storing payment process, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the present invention with reference to FIG. It is possible to infer a method of setting other payment authentication information in addition to the password, thereby not limiting the present invention.

Hereinafter, in FIG. 2, the client terminal 135 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 is referred to as a “server” for convenience.

Referring to FIG. 2, after the terminal 135 accesses the server through a network means and registers and / or logs in, the server 100 requests the server 100 to register information for the payment processing according to the present invention. The lower surface 200, the server 100 generates (or extracts) a predetermined information registration interface screen for storing payment processing, provides the terminal 135 to the terminal 135 through the network means (205), and the terminal 135. ) Inputs (or selects) the customer wireless terminal number, credit card (or check card) information, storage requesting agency information, and / or payment processing target information through the information registration interface screen.

Thereafter, the terminal 135 displays the customer wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information input (or selected) through the information registration interface screen. It transmits to the server 100 by means (215).

The server 100 that has received the customer wireless terminal number, credit card (or check card) information, storage request authority information and / or payment processing target information for the payment processing from the terminal 135 is received. The validity of the customer wireless terminal number and / or credit card (or check card) information and / or storage request authority information is confirmed (220).

According to an exemplary embodiment of the present invention, the server 100 checks the validity of the wireless terminal corresponding to the customer wireless terminal number in association with the mobile communication company corresponding to the customer wireless terminal number.

In this case, the validity of the wireless terminal includes checking whether the wireless terminal is a wireless terminal that is normally operating.

In addition, the server 100 checks the validity of the credit card (or check card) in association with the credit card (or check card) issuer.

Here, the validity of the credit card (or check card) includes checking whether the credit card (or check card) is the customer owned credit card (or check card).

In addition, the server 100 checks the validity of the storage request authority corresponding to the storage request authority information.

Here, the validity of the storage requesting institution includes checking whether the storage requesting institution is affiliated with the storage processing institution (for example, a financial company or a card company) so as to process the storage payment according to the present invention.

If the validity of the customer wireless terminal number and / or credit card (or check card) information and / or storage requesting agency information is not authenticated (225), the server 100 is the customer wireless terminal number and / or credit Generate validity error information about card (or check card) information and / or storage requesting agency information (230), and transmit the generated validity error information to the terminal 135 through the network means and output (235). ), The information registration process for storing payment processing according to the present invention ends.

On the other hand, if the validity of the customer wireless terminal number and / or credit card (or check card) information and / or storage request information is authenticated (225), the server 100 is received from the terminal 135 The customer wireless terminal number, credit card (or check card) information, storage requesting institution information and / or payment processing target information is processed in association with the storage medium 130 and stored (240).

In addition, the server 100 reads the customer wireless terminal number received from the terminal 135 (for example, searching whether the wireless terminal number that matches the customer wireless terminal number exists in the storage medium 130). Check whether the customer wireless terminal number is initially registered in the storage medium 130 (245).

If the customer wireless terminal number is not registered in the storage medium 130 for the first time (250), the server 100 terminates the information registration process for the storage payment processing.

On the other hand, if the customer wireless terminal number is initially registered in the storage medium 130 (250), the server 100 generates (or extracts) a predetermined password registration interface screen and the terminal 135 through the network means. (255), the terminal 135 inputs a predetermined password for authenticating the storage payment process through the password registration interface screen (260), and inputs the input password through the network means. The server 100 transmits the data to the server 100 (265).

Subsequently, the server 100 processes the password received from the terminal 135 as the storage payment authentication information and stores it in association with the customer wireless terminal number (270).

3 is a view showing a storage payment system according to an embodiment of the present invention.

In more detail, Figure 3 is provided with a receiving terminal 355 (or payment terminal 360) according to the present invention in the storage requesting institution, the customer for the storage payment processing according to the present invention in the storage medium 130 When the wireless terminal number, credit card (or check card) information, storage requesting agency information and / or payment processing target information are stored in association with each other, a predetermined communication network (or payment terminal 360) is stored from the storage terminal 355 (or payment terminal 360). For example, when a predetermined payment approval request text for a payment processing is transmitted through a wired communication network or a wireless communication network) and / or a payment network (VAN), based on the full text of the payment approval request for storage payment processing according to the present invention. As a method for implementing a storage payment system for performing a storage payment process, a person having ordinary knowledge in the art to which the present invention pertains refers to and / or modifyes the storage request organ by referring to FIG. The storage terminal 355 (or payment terminal 360) according to the present invention is provided in the storage medium 130, the customer wireless terminal number, credit card (or check card) for the storage payment processing according to the present invention Although various implementation methods for the storage payment system corresponding to the case where the information, the storage requesting agency information, and / or the payment processing target information are linked and stored may be inferred, the present invention includes all the inferred implementation methods, Thereby, this invention is not limited.

For example, in FIG. 3, the storage processing server 300 for processing the storage payment according to the present invention is illustrated as one server, but the storage processing server 300 is the storage terminal 355 (or the payment terminal 360). ) And a wireless authentication server corresponding to the customer wireless terminal 365, and the present invention is not limited thereto.

According to FIG. 3, the storage payment system includes a storage terminal 355 (or payment terminal 360), a communication network (eg, a wired communication network or a wireless communication network) and / or a payment network (VAN) provided in the storage requesting institution. And a predetermined credit card (or check card) payment system, which is communicatively connected, for processing credit card (or check card) payment using credit card (or check card) information stored in the storage medium 130. It characterized in that it comprises a storage processing server 300 linked through the interface means of the.

The credit card payment system is characterized in that it comprises at least one credit payment server, the credit payment server is based on at least one or more credit limit amount for the customer in the near-payment payment amount requested by the customer The check card payment system is characterized by comprising at least one check payment server and a financial system.

Referring to FIG. 3, the storage processing server 300 may include a storage terminal 355 (or a payment terminal 360) provided in the storage requesting institution through a predetermined communication network (for example, a wired communication network or a wireless communication network). A storage terminal 355 (or a payment terminal) provided in the storage requesting institution through a communication channel for connecting at least one or more specialized transmission / reception for the storage payment processing according to the present invention, and / or through a predetermined payment network (VAN). 360) and a terminal-side communication unit 315 for connecting a communication channel for at least one professional transmission and reception for the storage payment processing according to the present invention.

If one of ordinary skill in the art to which the present invention pertains, the terminal-side communication unit 315 is a storage terminal 355 provided in the storage requesting organ via a predetermined communication network (for example, a wired communication network or a wireless communication network). (Or payment terminal 360) and a method for connecting at least one communication channel for professional transmission and reception, and / or the storage terminal 355 (or payment) provided in the storage requesting institution through a predetermined payment network (VAN) Since the user will be familiar with a method of connecting the communication channel for transmitting / receiving at least one terminal with the terminal 360, a detailed description thereof will be omitted for convenience.

According to the present invention, the storage processing server 300 from the predetermined storage terminal 355 (or payment terminal 360) provided in the storage requesting institution via the terminal side communication unit 315 from the customer wireless terminal ( 365) a payment information receiving unit 325 for receiving a predetermined payment approval request for a predetermined storage payment processing including a number.

The payment approval request text for storing payment processing received from the storage terminal 355 (or payment terminal 360) is a predetermined customer wireless terminal matching the number of the customer wireless terminal 365 stored in the storage medium 130. (365) It is characterized by consisting of a number.

In addition, the full payment approval request request for payment processing received from the storage terminal 355 (or payment terminal 360), the predetermined payment request that the storage requesting institution to receive (or payment processing) to the customer Characterized in that it comprises the amount information, and if the payment amount information is pre-stored in the payment processing target information stored in the storage medium 130, the payment amount information in the full payment approval request for storage payment processing Although it may be omitted, the present invention is not limited thereto.

In addition, the full payment approval request for payment processing received from the storage terminal 355 (or payment terminal 360), the storage request authority specific information matching the storage request authority information stored in the storage medium 130 Characterized in that it comprises at least one or more.

According to an embodiment of the present invention, the storage requesting institution specific information is terminal information provided in a predetermined storage terminal 355 (and / or payment terminal 360) provided in the storage requesting institution, and / or storage processing. An identification code uniquely assigned to the storage requesting institution by an institution (e.g., a financial company, a card company, etc.), and / or a business registration number (and / or a corporate registration number) assigned to the storage requesting institution, and / or the storage requesting institution It is preferable to include at least one or more of the representative information including the social security number of the representative.

In addition, the full payment approval request for receiving payment processing received from the storage terminal 355 (or payment terminal 360), from the storage terminal 355 (or payment terminal 360) provided in the storage requesting institution. The payment approval request message transmitted is made to include network connection information that can be received to the storage processing server 300 through a predetermined communication network (eg, a wired communication network or a wireless communication network), and / or the storage request. Van connection information that the full payment approval request message transmitted from the storage terminal 355 (or payment terminal 360) provided in the institution may be received to the storage processing server 300 through a predetermined payment network (VAN). It is preferable to comprise a.

In addition, the full payment approval request for payment processing received from the storage terminal 355 (or payment terminal 360), after the payment processing corresponding to the full payment approval request for storage payment processing is performed, the storage It is preferable to further include information for managing the payment (for example, the document serial number).

In addition, the full payment approval request for storing payment processing received from the storage terminal 355 (or payment terminal 360) corresponds to the storage requesting institution information in the storage requesting institution information stored in the storage medium 130. When the financial account information is not stored, it is preferable that the financial account information is further included.

According to the present invention, the storing processing server 300 reads out the customer wireless terminal 365 number from the full payment approval request for storing payment processing received through the payment information receiving unit 325, and stores the storage medium 130. It is characterized in that it comprises an information verification unit 330 for confirming the credit card (or check card) information stored in association with the customer wireless terminal 365 number from).

In addition, the information confirming unit 330 reads the storage requesting institution-specific information from the full payment approval request for storage payment processing received through the payment information receiving unit 325, and the unique information and the storage requesting institution read out Comparing and authenticating the storage request authority information stored in the storage medium 130, it characterized in that the validity of the storage payment processing is authenticated.

If the validity of the storage requesting agency information stored in the storage medium 130 is not authenticated based on unique information of the storage requesting institution read from the full payment approval request for storing payment processing in the validity verification process, the storage payment processing Is rejected.

The information checking unit 330 may include at least one or more pieces of information that match the payment processing target information stored in the storage medium 130 from the full payment approval request for storing payment processing received through the payment information receiving unit 325 ( For example, it is preferable to verify the validity of the storing and payment processing by extracting the storing item information or the payment amount information and the like, and comparing and authenticating the extracted information with the payment processing target information.

According to the method of the present invention, the validity of the storage payment processing is authenticated by the information checking unit 330, and the credit card (or associated with the customer wireless terminal 365 number from the storage medium 130) When the check card) information is extracted, a storage payment procedure using a credit card (or check card) payment corresponding to the credit card (or check card) information is performed.

According to the present invention, the storage processing server 300 is the credit card (or check card) information extracted from the storage medium 130 through the information check unit 330 and the payment approval request for the storage payment processing Authorization processing unit 310 for requesting the approval of the acceptance payment processing to the credit settlement server (or check payment server) based on the payment amount information (or payment amount information extracted from the payment processing target information) from the It characterized by comprising a.

The authorization processing unit 310 provides the credit card (or check card) information and the payment amount information to the credit settlement server (or check payment server) through a predetermined interface means. It is characterized in that to perform a credit card (or check card) payment approval possibility confirmation process to check whether the payment amount can be processed through.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a credit card, the approval processing unit 310 sends the credit card information and the payment amount information to the credit settlement server. By providing a, characterized in that performing a credit credit card (or check card) payment approval possibility confirmation process for confirming whether the credit amount can be processed within the credit card limit amount.

According to another exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a check card, the approval processing unit 310 sends the check card information and the payment amount to the check payment server. By providing information, confirming that the amount deposited in the financial account associated with the check card is sufficient for the payment of a check credit card (or check card) payment authorization to confirm that there is a sufficient amount to debit the payment amount Characterized in performing the process.

If as a result of performing the credit card (or check card) payment authorization confirmation process, the payment amount can be processed through the credit card (or check card) payment, the approval processing unit 310 is The credit card (or check card) payment is approved in association with the credit payment server (or check payment server).

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a credit card, the authorization processing unit 310 is linked to the credit settlement server and corresponds to the payment amount. It is characterized in that the credit payment lock process is performed so that payment is not processed by the other credit request.

According to another exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a check card, the approval processing unit 310 corresponds to the payment amount in connection with the check payment server. Characterized in that the check payment lock process to prevent the amount is withdrawn by another financial transaction in the financial account associated with the check card.

According to another exemplary embodiment of the present invention, the approval processing unit 310 collectively performs a credit card (or check card) payment approval confirmation process and a card payment lock process in association with the credit settlement server (or check payment server). The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, in the check card settlement, when an escrow function is provided in the financial system in which the financial account associated with the check card is opened, the approval processing unit 310 may be used. The amount corresponding to the payment amount may be withdrawn from the financial account associated with the check card in connection with the check payment server and deposited into a predetermined temporary account (eg, an escrow account). Card payment lock process for the card payment can be omitted, thereby the present invention is not limited.

In particular, when the card payment lock process for the check card is omitted, the process of confirming the credit card (or check card) payment approval possibility is performed by the payment approval processing unit 305 provided in the storage processing server 300. The present invention is not limited thereto.

According to the present invention, when the storing processing process according to the present invention is finally approved (for example, when the final approval through the customer wireless terminal 365), the credit settlement server (or check payment) A payment approval processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the credit card (or check card) in association with the server), and generating a predetermined storage payment approval history corresponding to the storage payment processing. It is characterized by comprising a).

In addition, after the credit card (or check card) payment approval possibility confirmation process (and / or payment card payment process) is performed, if not finally approved for a certain time, the payment approval processing unit 305 is the storage payment processing It is characterized in that for generating the storage payment approval history corresponding to (for example, the card payment confirmation and / or card payment lock).

In addition, when the credit card (or check card) payment error occurs in the process of confirming the credit card (or check card) payment approval possibility process, the payment approval processing unit 305 responds to the storage payment processing. It characterized in that to generate a storage payment approval history.

Here, it is preferable that the credit card payment error is made including an error exceeding the limit amount, and the check card payment error is preferably made including a balance shortage error of the financial account associated with the check card.

According to the present invention, the storage processing server 300 requests a final approval for the storage payment processing to the customer wireless terminal 365 after the credit card (or check card) payment approval possibility confirmation process is performed. Generate a wireless message (e.g., a short message or a multimedia message), and generate the wireless message from the customer wireless terminal 365 number (or the storage medium 130) received from the full payment authorization request for the payment processing. And an information transmitter 340 for transmitting to the customer wireless terminal 365 by using the extracted customer wireless terminal 365 number).

The wireless message generated by the information transmitter 340 includes a callback URL (CallbackURL) for allowing the customer wireless terminal 365 to access the storage processing server 300 for the final approval of the storage payment processing. Characterized in that made.

According to the present invention, the receiving processing server 300 allows the customer wireless terminal 365 to access the receiving processing server 300 through the callback UEL, and the customer wireless terminal 365 and the storing and payment processing. Characterized in that it comprises a wireless processing unit 335 for connecting the communication channel for the final approval for.

When the customer wireless terminal 365 is connected to the storage processing server 300 through the callback UEL, the wireless processing unit 335 is predetermined payment corresponding to the storage payment authentication information to the customer wireless terminal 365 Characterized by requesting authentication information.

Those skilled in the art to which the present invention pertains may generate a predetermined wireless message and transmit the predetermined wireless message to the information transmitter 340 for transmitting to the customer wireless terminal 365 in a web-to-phone manner. Familiarity with the preferred functional configuration for the wireless processing unit 335 provides a wireless Internet function for the customer wireless terminal 365 to access the storage processing server 300 through the callback UEL. Since it will be, a detailed description thereof will be omitted for convenience.

According to the present invention, the storage processing server 300 is characterized in that it comprises an information receiving unit 345 for receiving predetermined payment authentication information transmitted from the customer wireless terminal 365.

According to the present invention, when the storage processing server 300 is received through the information receiving unit 345, the storage payment authentication information stored in association with the customer wireless terminal 365 number is stored from the storage medium 130. And an authentication processing unit 350 for checking whether the customer finally approved the storage payment process by extracting and comparing and authenticating the payment authentication information received through the information receiving unit 345 through the storage payment authentication information. Characterized in that made.

When it is confirmed by the authentication processing unit 350 that the customer finally approved the storage payment processing, the payment approval processing unit 305 is connected with the credit payment server (or check payment server) to approve the storage payment. Process to generate a predetermined storage payment approval history.

According to the present invention, the storage processing server 300 generates a predetermined payment approval text including the storage payment approval history generated by the payment approval processing unit 305, and transmits the payment approval text to the terminal side communication unit. It is characterized in that it comprises a payment result transmission unit 320 for transmitting to the storage terminal 355 (or payment terminal 360) provided in the storage requesting institution through 315.

According to the exemplary embodiment of the present invention, when the storing payment is approved by the payment approval processing unit 305 and a predetermined storing payment approval is generated, the information transmitting unit 340 displays the storing payment approval details. Generate and transmit a predetermined wireless message to the customer wireless terminal 365, and / or the wireless processing unit 335 provides the storage payment approval details to the customer wireless terminal 365 to output. desirable.

4 is a view showing the functional configuration of the storage terminal 355 according to the embodiment of the present invention.

In more detail, Figure 4 is for the preferred functional configuration of the storage terminal 355 provided in the storage requesting engine on the storage payment processing system shown in Figure 3, having a general knowledge in the art If one grows up, it is possible to infer various terminal function configurations for the payment processing by referring to and / or modifying the drawing 4, but the present invention includes all the implementation methods inferred, and the embodiment shown in the drawing 4 It is not limited to the method.

Referring to FIG. 4, the storage terminal 355 basically includes a control unit 405, a memory unit 435, a key input unit 410, a screen output unit 415, a communication processing unit 430, and a print output unit 420. ) And a power supply unit 425 for supplying power to the storage terminal 355, and includes at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 405 controls the overall operation of the storage terminal 355 in the functional configuration, manages the flow of information or data between each component, and each of the storage terminal 355 for the storage payment processing At least one processor and execution memory (e.g., registers and / or random access memory (RAM)), each component comprising a central processing unit (CPU) / microprocessor unit (MPU) in hardware. And a bus for inputting and outputting predetermined data, and loading the execution memory from a predetermined recording medium into the execution memory in order to perform a function specific to the storage terminal 355 by software. Containing a predetermined program routine (Routine) and / or program data that is arithmetic processing by the processor (therefore, according to the present invention) The control unit may view a predetermined program recorded on a recording medium provided in the storage terminal 355 and / or a component that can be processed in software from a functional configuration provided in the storage terminal 355 for the storage payment processing. 405) to be provided in the description).

According to the exemplary embodiment of the present invention, the control unit 405 may be configured with components (for example, the memory unit 435, the key input unit 410, the screen output unit 415, and the communication processing unit included in the storage terminal 355). 430 and the print output unit 420 and / or predetermined terminal function unit (not shown) according to the intention of those skilled in the art to control the provision of the storage payment service defined in the storage terminal 355 And to execute a program recorded on a recording medium provided in the storage terminal 355 for management and / or for the storage settlement process.

The memory unit 435 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the storage terminal 355 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and the program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 405 to perform a predetermined control function ) Is stored.

Referring to FIG. 4 according to an embodiment of the present invention, the memory unit 435 preferably stores information about a predetermined storage terminal 355 corresponding to the storage terminal 355, and the storage terminal 355. The information is included in the full text generated during the payment processing.

According to the exemplary embodiment of the present invention, the storage terminal 355 information preferably corresponds to the storage requesting institution-specific information for identifying and / or confirming the storage requesting organ in the storage processing server 300.

In addition, the memory unit 435, the storage terminal 355 is connected to a predetermined storage processing server 300 via a predetermined wired communication network (or wireless communication network), and / or to the storage processing server 300 In order to transmit and receive a predetermined message, it is preferable to store a predetermined storage processing server 300 address corresponding to an address system defined in the wired communication network (or a wireless communication network), and at least one generated by the storage terminal 355. The full text is transmitted and received to the storage server 300 through the storage server 300 address.

In addition, the memory unit 435 stores the payment amount information corresponding to at least one or more storage item information to be stored in the storage requesting institution provided with the storage terminal 355, whereby the storage terminal The process of inputting the payment amount information in the storage settlement process through 355 may be replaced with a process of selecting a predetermined payment amount from at least one payment amount.

The key input unit 410 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the storage terminal 355 controlled by the controller 405. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 405. The control unit 405 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the storage terminal 355, and / or is defined in accordance with the key event. And obtaining a command to execute a function. The key input unit 410 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the storage terminal 355.

The key input device interoperating with the key input unit 410 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 method of the present invention, the key input unit 410 is a function of the key input means for receiving at least one or more key data required in the storage payment processing process from the key input device for the storage payment processing according to the present invention It is preferable to carry out.

The key data input through the key input unit 410 in the storing and payment process may include at least one customer wireless terminal 365 number corresponding to the storing and / or predetermined payment amount information to be stored and processed. It is characterized by including the above.

The screen output unit 415 is a liquid crystal display (LCD) and / or by the control unit 405 in the process of the storage terminal 355 performs a predetermined function (for example, the electronic payment processing function using a card) And outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. 415 and the screen output device interoperate with each other to perform a function of the screen output means provided in the storage terminal 355.

Predefined information or data to be output from the storage terminal 355 to the screen output device may include key data input through the key input unit 410 and / or components included in the storage terminal 355. Information (or data) stored or generated by the information, information (or data) transmitted and received through the communication processing unit 430, and / or (or data) corresponding to a predetermined operation result performed by the storage terminal 355. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 415 has a function of a screen output means for outputting a processing screen corresponding to the storage payment processing step to the screen output device for the storage payment processing according to the present invention. It is preferable to carry out.

The communication processing unit 430 connects a communication channel for transmitting and receiving at least one or more telegrams with a predetermined storage processing server 300 in order to allow the storage terminal 355 to perform the storage payment processing according to the present invention. It features.

According to one embodiment of the invention, the communication processing unit 430 is an xDSL-based communication module, the TCP / IP (Transmission Control Protocol / Internet Protocol) based on the storage processing server 300 on the storage terminal 355 and the communication network It is preferable to connect a communication through a wired communication network. In this case, at least one or more telegrams for storing and payment processing according to the present invention are transmitted and received through the TCP / IP-based wired communication network.

According to another exemplary embodiment of the present invention, the communication processing unit 430 is a modem, and the storage terminal 355 and the storage processing server 300 on the communication network as a modem (PSTN) based wired communication network It is preferable to connect through a communication, in which case at least one or more telegrams for storing payment processing according to the present invention is transmitted and received through the PSTN-based wired communication network.

According to another embodiment of the present invention, the communication processing unit 430 is a wireless communication module, the receiving terminal 355 and the receiving processing server 300 on the communication network based on the code division multiple access (CDMA) based wireless communication network, Or an IEEE 802.16x based wireless communication network or at least one wireless communication network of an IEEE 802.11x based wireless communication network. In this case, at least one or more full text for the payment processing according to the present invention may be used. Send and receive via

In addition, the communication processing unit 430 at least communicates with the storage processing server 300 through a predetermined value added network (VAN) in order for the storage terminal 355 to perform the storage payment processing according to the present invention. It is characterized by connecting a communication channel for transmitting and receiving one or more telegrams.

According to one embodiment of the invention, the payment network (VAN) preferably comprises a TCP / IP-based wired communication network, in this case, the communication processing unit 430 for connecting to the TCP / IP-based wired communication network It is preferable to include an xDSL-based communication module.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises a PSTN-based wired communication network, in this case, the communication processing unit 430 includes a modem for accessing the PSTN-based wired communication network. It is preferable to make it.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises at least one or more of the wireless communication network, CDMA based wireless communication network, IEEE 802.16x based wireless communication network, or IEEE 802.11x based wireless communication network. In this case, the communication processing unit 430 preferably includes a wireless communication module for connecting to the wireless communication network.

The print output unit 420 stores a predetermined storage payment processing history (for example, a storage payment approval history and / or a storage payment cancellation history) generated by the storage terminal 355 and / or as a result of the storage payment processing. The printout may be output through a predetermined printing device (eg, a receipt printer), and the storage payment processing details (eg, the storage payment approval details and / or the storage payment cancellation details) may be adjusted according to a predefined printing form. It includes a printing protocol and a driver for printing through a printing apparatus.

Referring to Figure 4, the storage terminal 355 is a customer wireless terminal 365 number and / or payment information information from a predetermined key input device through the key input unit 410 for the storage payment processing according to the present invention The information input unit 445 for receiving the input, the professional generation unit 450 for generating the full payment approval request request for payment processing including the customer wireless terminal 365 number and / or payment amount information, and the generated payment The professional transmission unit 455 for transmitting the full approval request message to the storage processing server 300 on the communication network through the communication processing unit 430, and the payment approval from the storage processing server 300 through the communication processing unit 430. A professional receiving unit 460 for receiving a payment approval message corresponding to the request text and a predetermined storage payment processing history are extracted from the received payment approval message, and the screen is output through the screen output unit 415, and / or Prize By having a specialized processor 465, which outputs printed by the print output unit 420 is characterized in that formed.

The information input unit 445 is a storage payment processing customer wireless terminal 365 number to the predetermined screen output device provided in the storage terminal 355 through the screen output unit 415 for the storage payment processing according to the present invention. And outputs an interface screen for inputting the number, and receives the number of the payment settlement customer wireless terminal 365 through the interface screen from a predetermined key input device provided in the storage terminal 355 through the key input unit 410. Characterized in that the input.

In addition, the information input unit 445 is a predetermined screen output device provided in the storage terminal 355 through the screen output unit 415 for the storage payment processing according to the present invention. Outputs an interface screen (and / or an interface screen for selecting predetermined payment amount information) for inputting payment amount information, and receives (or selects) payment amount information for the storage payment processing through the interface screen; It is characterized by.

The information input unit 445 cancels the storage payment customer wireless terminal 365 number to the predetermined screen output device provided in the storage terminal 355 through the screen output unit 415 to cancel the storage payment according to the present invention. And outputs an interface screen for inputting the received number and cancels the storing payment canceling customer wireless terminal 365 number through the interface screen from a predetermined key input device provided in the storage terminal 355 through the key input unit 410. Characterized in that the input.

In addition, the information input unit 445 is a predetermined screen output device provided in the storage terminal 355 through the screen output unit 415 to cancel the storage payment according to the present invention serial number Outputs an interface screen for inputting, and receives the document serial number of the payment cancellation cancellation target through the interface screen.

The full text generation unit 450 is a customer wireless terminal 365 number and / or payment amount information input through the information input unit 445 for the storage payment processing according to the present invention, the storage payment request transaction classification code, The storage terminal 355 information extracted from the memory unit 435, a date / time extracted from a predetermined timer (not shown) provided in the storage terminal 355, and a predetermined payment approval request document serial number. Characterized in that it generates a payment approval request full text including a.

In addition, the full text generation unit 450 is a customer wireless terminal 365 number and / or storage payment cancellation target serial number and storage received through the information input unit 445 to cancel the storage payment according to the present invention, storage A payment cancellation transaction classification code, information on the storage terminal 355 extracted from the memory unit 435, a date / time extracted from a predetermined timer (not shown) provided in the storage terminal 355, and Characterized in that the payment approval cancellation full text including the payment approval cancellation document serial number of the.

When the communication processing unit 430 is connected to the storage processing server 300 through a predetermined wired communication network (or wireless communication network), the specialized transmission unit 455 is generated through the professional generation unit 450. Characterized in that for transmitting the payment approval request full text and / or payment approval cancellation full text to the wired communication network (or wireless communication network) through the communication processing unit 430, the specialized transmission unit 455 is the communication processing unit 430 The payment approval request message and / or the payment approval cancellation message transmitted to the wired communication network (or wireless communication network) are received through the network component on the wired communication network (or wireless communication network) to the storage processing server 300. do.

Alternatively, when the communication processing unit 430 is connected to a predetermined payment network (VAN), the professional transmission unit 455 cancels the payment approval request message and / or payment approval generated through the specialty generation unit 450. Characterized in that the transmission to the payment network (VAN) through the communication processing unit 430, the payment transmitted by the professional transmission unit 455 to the payment network (VAN) through the communication processing unit 430 The approval request text and / or the payment approval cancellation text may be received by the storage server 300 through a van server on the payment network (VAN).

After the specialized transmission unit 455 transmits a predetermined payment approval request message to the wired communication network (or wireless communication network) through the communication processing unit 430, the professional receiving unit 460 transmits the communication processing unit 430. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from the wired communication network (or wireless communication network), and the storage processing server 300 receives a predetermined payment approval corresponding to the payment approval request message. When the full message is transmitted, the payment approval message corresponding to the full text of the payment approval request is received through the communication processing unit 430.

In addition, after the specialized transmission unit 455 transmits a predetermined payment approval cancellation message to the wired communication network (or wireless communication network) through the communication processing unit 430, the professional receiving unit 460 is the communication processing unit 430 Waits for a predetermined payment cancellation message corresponding to the payment cancellation message to be received from the wired communication network (or wireless communication network), and the storage processing server 300 corresponds to the predetermined payment cancellation message for the payment cancellation message. When the payment cancellation message is transmitted, the payment cancellation message corresponding to the payment cancellation cancellation message may be received through the communication processor 430.

After the specialized transmission unit 455 transmits a predetermined payment approval request message to the payment network (VAN) through the communication processing unit 430, the professional receiving unit 460 transmits the predetermined payment approval request message through the communication processing unit 430. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from a payment network (VAN), and the storage processing server 300 transmits the predetermined payment approval message corresponding to the payment approval request message. And through the communication processing unit 430, characterized in that for receiving the payment approval message corresponding to the payment approval request full text.

In addition, after the specialized transmission unit 455 transmits a predetermined payment approval cancellation message to the payment network (VAN) through the communication processing unit 430, the professional receiving unit 460 transmits the communication processing unit 430. Waiting for a predetermined payment cancellation message corresponding to the payment cancellation cancellation message is received from the payment network (VAN), and the storage processing server 300 performs a predetermined payment cancellation message corresponding to the payment cancellation cancellation message. When the transmission, the communication processing unit 430 is characterized in that for receiving the payment cancellation full text corresponding to the payment cancellation cancellation full text.

When the specialized processing unit 465 receives a payment approval text corresponding to the full payment approval request message through the professional receiving unit 460, extracts a predetermined storage payment approval history from the payment approval text and extracts the extracted storage payment. The approval details may be output on the screen through the screen output unit 415 and / or printed out through the print output unit 420.

In addition, when the professional processing unit 465 receives a payment cancellation message corresponding to the payment approval cancellation full text through the special receiving unit 460, extracts a predetermined storage payment cancellation history from the payment cancellation full text message, and extracts the extracted payment details. The storage payment cancellation details may be displayed on the screen through the screen output unit 415, and / or through the print output unit 420.

5A and 5B are views illustrating a process of generating a full payment approval request for storing payment processing from the receiving terminal 355 and transmitting the generated payment approval request to the storing processing server 300 according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B show a preamble approval request for storing payment processing in the storage terminal 355 shown in FIG. 3, so that a predetermined wired communication network (or wireless) connected to the storage terminal 355 is generated. Communication process) to the storage processing server 300, and specifically, FIG. 5A generates a full payment approval request for storing payment processing by inputting predetermined payment amount information in the storage terminal 355. The present invention relates to a method of transmitting to a storage processing server 300 on a communication network through a predetermined wired communication network (or a wireless communication network), and FIG. 5B is for storing payment processing by selecting predetermined payment amount information from the storage terminal 355. The present invention relates to a method for generating a payment approval request message and transmitting the generated payment approval request message to a storage processing server 300 on a communication network through a predetermined wire communication network (or a wireless communication network).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to generate the full payment approval request for storing payment processing in the storage terminal 355 to provide a predetermined wired communication network. (Or wireless communication network) may be inferred various implementation methods for transmitting to the receiving processing server 300 on the communication network, but the present invention includes all the inferred implementation methods, shown in Figures 5a and 5b It is not limited to implementation method.

For example, in the operation methods shown in FIGS. 5A and 5B, some orders of the process of generating the full payment approval request for payment processing may be changed. The present invention is illustrated in FIGS. 5A and 5B. It also includes all implementation methods in which some order of operation methods have been changed.

5A and 5B, the storage terminal 355 shown in FIG. 3 is referred to as " terminal " for convenience.

Referring to FIG. 5A, the terminal 355 selects any one storage payment operation mode among at least one storage payment operation mode included in the terminal 355 through a key input device (500a). A procedure for generating a telegram for payment processing is disclosed.

If the selected storage payment operation mode is a storage payment request mode (or the basic operation mode of the terminal 355 is a storage payment request mode) 505a, the terminal 355 is provided with the terminal 355. Through the screen output device of the output interface screen for inputting the customer wireless terminal 365 number for payment processing according to the present invention (510a), and through the predetermined key input device provided in the terminal 355 In operation 515a, it is checked whether a customer wireless terminal 365 number corresponding to the interface screen is input.

If a customer wireless terminal 365 number corresponding to the interface screen is input through a key input device provided in the terminal 355 (520a), the terminal 355 is provided with a predetermined number of terminals 355. Outputs an interface screen for inputting payment amount information for storing payment processing for storing payment processing according to the present invention through a screen output device (525a), and the interface through a predetermined key input device provided in the terminal 355 It is checked whether payment amount information for storing payment processing corresponding to the screen is input (530a).

If the payment amount information for storing payment processing corresponding to the interface screen is input through a key input device provided in the terminal 355 (535a), the terminal 355 receives the storage terminal from the memory unit 435. (355) extract information and storage item information, extract the professional transmission date and the professional transmission time from a predetermined timer (not shown) (540a), and generate a predetermined document serial number corresponding to the payment approval request. 545a, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted storage terminal 355 information, storage item information, a professional transmission date, In operation 550a, a payment approval request message for storing and payment processing is generated, including a professional transmission time and the generated document serial number.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 355 extracts a predetermined storage processing server 300 address from the memory unit 435 to which the terminal 355 is connected. The payment approval request message is transmitted through a wired communication network (or a wireless communication network) (555a).

Referring to FIG. 5B, the terminal 355 selects any one storage payment operation mode among at least one storage payment operation mode included in the terminal 355 through a key input device (500b). A procedure for generating a telegram for payment processing is disclosed.

If the selected storage payment operation mode is the storage payment request mode (or the basic operation mode of the terminal is the storage payment request mode) 505b, the terminal 355 outputs a predetermined screen provided in the terminal 355. Outputs the interface screen for inputting the customer wireless terminal 365 number for the storage payment processing according to the present invention through the device (510b), and through the predetermined key input device provided in the terminal 355 to the interface screen Check whether the corresponding customer wireless terminal 365 number is input (515b).

If a customer wireless terminal 365 number corresponding to the interface screen is input through a key input device provided in the terminal 355 (520b), the terminal 355 receives at least one or more from the memory unit 435. Extracts payment amount information corresponding to item information, outputs an interface screen for selecting payment amount information for storing payment processing to select any one of the payment amounts (525b), and is provided to the terminal 355 In operation 530b, it is checked whether payment amount information for storing payment processing corresponding to the interface screen is selected through the predetermined key input device.

If the payment amount information for the storage payment processing corresponding to the interface screen is selected through the key input device provided in the terminal 355 as shown in (c) of FIG. 5 (535b), the terminal 355 stores the memory. The storage terminal 355 information and storage item information are extracted from the unit 435, and the specialized transmission date and the specialized transmission time are extracted from a predetermined timer (not shown) (540b), and the predetermined corresponding to the payment approval request is extracted. After generating the document serial number of (545b), a predetermined storage payment request transaction identification code, the input wireless terminal number and payment information for the storage payment processing, the extracted storage terminal (355) information, storage In operation 550b, a payment approval request message for storing and payment processing is generated, which includes item information, a specialized transmission date and a specialized transmission time, and the generated document serial number.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 355 extracts a predetermined storage processing server 300 address from the memory unit 435, and the predetermined wired to which the terminal 355 is connected. The full payment approval request message is transmitted through a communication network (or a wireless communication network) (555b).

6A and 6B illustrate an operation method of generating and transmitting a telegram in the receiving terminal 355 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B illustrate a full payment approval request (VAN) connected to the storage terminal 355 by generating a full payment approval request for storing payment processing in the storage terminal 355 shown in FIG. As an operation method of transmitting to the storage processing server 300 through, specifically, Figure 6a is inputted the predetermined payment amount information in the storage terminal 355 to generate the full payment approval request for payment processing processing predetermined The present invention relates to a method of transmitting to a storage processing server 300 through a payment network (VAN), and FIG. 6B selects predetermined payment amount information from the storage terminal 355 to generate a full payment approval request for storage payment processing. The present invention relates to an implementation method of transmitting to a storage processing server 300 through a predetermined payment network (VAN).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to generate a full payment approval request for storing payment processing in the storage terminal 355 to provide a predetermined payment network. Various implementation methods of transmitting to the predetermined storage processing server 300 through the VAN may be inferred, but the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIGS. 6A and 6B. It is not limited to this.

For example, in the operation methods shown in FIGS. 6A and 6B, some orders of the operation procedure for generating the full payment approval request for storing payment processing may be interchanged. The present invention is illustrated in FIGS. 6A and 6B. It also includes all implementation methods in which some order of the changed operation methods are changed.

6A and 6B, the receiving terminal 355 shown in FIG. 3 is referred to as " terminal " for convenience.

Referring to FIG. 6A, the terminal 355 selects any one storage payment operation mode among at least one storage payment operation mode included in the terminal 355 through a key input device (600a). A procedure for generating a telegram for payment processing is disclosed.

If the selected storage payment operation mode is the storage payment request mode (or the basic operation mode of the terminal 355 is the storage payment request mode) 605a, the terminal 355 is provided with the terminal 355. Through the screen output device of the output interface screen for inputting the customer wireless terminal 365 number for payment processing according to the present invention (610a), and through the predetermined key input device provided in the terminal 355 In operation 615a, the client wireless terminal 365 corresponding to the interface screen is input.

If a customer wireless terminal 365 number corresponding to the interface screen is input through a key input device provided in the terminal 355 (620a), the terminal 355 is provided with a predetermined number of terminals 355. Outputs an interface screen for inputting payment amount information for storing payment processing for storing payment processing according to the present invention through a screen output device (625a), and through the predetermined key input device provided in the terminal 355 It is checked whether payment amount information for storing payment processing corresponding to the screen is input (630a).

If the payment amount information for storage payment processing corresponding to the interface screen is input through a key input device provided in the terminal 355 (635a), the terminal 355 receives the storage terminal from the memory unit 435. (355) extract information and storage item information, extract the specialized transmission date and the specialized transmission time from a predetermined timer (not shown) (640a), and generate a predetermined document serial number corresponding to the payment approval request. 645a, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted storage terminal 355 information, storage item information, a professional transmission date, In operation 650a, a payment approval request text for a storage payment processing including a professional transmission time and the generated document serial number is generated.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the payment approval request text for storing payment processing is generated as described above, the terminal 355 transmits the payment approval request text through a predetermined payment network (VAN) (655a).

Referring to FIG. 6B, the terminal 355 selects any one storage payment operation mode among at least one or more storage payment operation modes included in the terminal 355 through a key input device (600b). A procedure for generating a telegram for payment processing is disclosed.

If the selected storage payment operation mode is a storage payment request mode (or the basic operation mode of the terminal 355 is a storage payment request mode) 605b, the terminal 355 is provided with the terminal 355. Through the screen output device of the output interface screen for inputting the customer wireless terminal 365 number for payment processing according to the present invention (610b), and through the predetermined key input device provided in the terminal 355 In operation 615b, it is checked whether the customer wireless terminal 365 number corresponding to the interface screen is input.

If a customer wireless terminal 365 number corresponding to the interface screen is input through a key input device provided in the terminal 355 (620b), the terminal 355 may store at least one or more from the memory unit 435. Extracts payment amount information corresponding to item information, outputs an interface screen for selecting payment amount information for storing payment processing to select any one of the payment amounts (625b), and is provided to the terminal 355 Through the predetermined key input device, it is checked whether payment amount information for storing payment processing corresponding to the interface screen is selected (630b).

If the payment amount information for storing payment processing corresponding to the interface screen is selected through a key input device provided in the terminal 355 (635b), the terminal 355 receives the storage terminal from the memory unit 435. (355) extract information and storage item information, extract the professional transmission date and professional transmission time from a predetermined timer (not shown) (640b), and generate a predetermined document serial number corresponding to the payment approval request. 645b, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted storage terminal 355 information, storage item information, a professional transmission date, In operation 650b, a payment approval request text for a storage payment processing including a professional transmission time and the generated document serial number is generated.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 355 transmits the full payment approval request full text through a predetermined payment network VAN (655b).

7 is a diagram illustrating a functional configuration of a payment terminal 360 according to an embodiment of the present invention.

In more detail, FIG. 7 is a payment terminal 360 including a CAT (Credit Authorization Terminal) provided in a storage requesting institution on the storage payment processing system shown in FIG. 3, at least one corresponding to the storage requesting institution. Regarding the terminal function configuration for performing the above-mentioned storage settlement process, those skilled in the art to which the present invention pertains will refer to and / or modify this drawing to modify various terminal function configurations for the storage settlement process. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, the payment terminal 360 basically includes a control unit 705, a memory unit 750, a card reader unit 710, a key input unit 720, a screen output unit 715, and a communication processing unit 730. ) And a security application module 735, a print output unit 740, and a power supply unit 725 for supplying power to the payment terminal 360. Omission).

The control unit 705 controls the overall operation of the payment terminal 360 in the functional configuration, manages the flow of information or data between each component, and each of the payment terminal 360 is provided for the storage payment processing Control components, and include at least one processor and execution memory (e.g., registers and / or random access memory (RAM)) in hardware, including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) And a bus (BUS) for inputting and outputting predetermined data, and loaded into the execution memory from a predetermined recording medium to perform a function specific to the payment terminal 360 by software. A predetermined program routine (Routine) and / or program data which are arithmetic processed by the processor (hence, the storage settlement process according to the present invention). In order to control a program that can be processed in software from a predetermined program recorded on a recording medium provided in the payment terminal 360 and / or a functional configuration provided in the payment terminal 360 for the storage payment processing, 705) to be provided in the description).

According to an embodiment of the present invention, the control unit 705 outputs a screen (for example, the memory unit 750, the card reader unit 710, the key input unit 720, and a screen) provided in the payment terminal 360. The payment terminal (not shown) by interworking with the communication unit 730, the communication processing unit 730, the security application module 735 and the print output unit 740 and / or the intention of those skilled in the art. In addition to controlling and managing the provision of the electronic payment service defined in 360, the components provided in the payment terminal 360 for intermittent payment processing according to the present invention are mutually controlled, and / or the It is preferable to execute a program recorded in the recording medium provided in the payment terminal 360 for the storage payment processing.

The memory unit 750 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 360 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and the program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 705 to perform a predetermined control function ) Is stored.

According to the exemplary embodiment of the present invention, the memory unit 750 may store predetermined payment terminal 360 information corresponding to the payment terminal 360, and the payment terminal 360 information may be stored in the storage settlement. Included in the full text generated during the process.

According to the exemplary embodiment of the present invention, the payment terminal 360 information preferably corresponds to the storage requesting institution-specific information for identifying and / or confirming the storage requesting organ in the storage processing server 300.

In addition, the memory unit 750, the payment terminal 360 is connected to a predetermined storage processing server 300 via a predetermined wired communication network (or a wireless communication network), and / or to the storage processing server 300 In order to transmit and receive a predetermined message, it is preferable to store a predetermined storage processing server 300 address corresponding to an address system defined in the wired communication network (or wireless communication network), and at least one generated by the payment terminal 360. The full text is transmitted and received to the storage server 300 through the storage server 300 address.

In addition, the memory unit 750 may be configured to store payment amount information corresponding to at least one or more storage item information to be stored in the storage requesting institution provided with the payment terminal 360, whereby the payment terminal In the storage settlement process through 360, the inputting of the payment amount information may be replaced with a process of selecting a predetermined payment amount from at least one or more payment amounts.

The payment terminal 360 is based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or contact IC card based on the ISO / IEC 7816 standard, and / or contactless based on the ISO / IEC 14443 standard And a card reader unit 710 for reading at least one or more information or data from the card to perform an electronic payment procedure through at least one of the IC cards.

According to an embodiment of the present invention, the card reader unit 710 may include an MS reader unit providing an interface between the MS card and the payment terminal 360, and / or the contact IC card and the payment terminal 360. And a contact IC reader unit for providing an interface between the contactless IC reader and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 360.

The MS reader unit is a card reader unit 710 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the payment terminal 360 from at least one track (Track) provided in the MS of the MS card by using the loading.

The contact IC reader unit is a card reader unit 710 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 the 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 360.

The contactless IC reader unit is a card reader unit 710 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 360.

According to an embodiment of the present invention, the card reader 710 is provided with predetermined card information (eg, in a card) from at least one or more card readers 710 for the electronic payment service defined in the payment terminal 360. The payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account).

The key input unit 720 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key, and selects a predetermined value provided in the key input device in a specific input mode and / or an operation mode of the payment terminal 360 controlled by the controller 705. When predetermined information (or signal) is input from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 705. The controller 705 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 360, and / or is defined to match the key event. Of And obtaining a command to execute a function. The key input unit 720 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 360.

The key input device interoperating with the key input unit 720 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 720 may provide key data (eg, a payment amount) 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 360. It is preferable to perform a function of a key input means for receiving the input, etc., and also to receive at least one or more key data required in the storage payment processing process from the key input device for the storage payment processing according to the present invention It is preferable to perform the function of the input means.

The key data input through the key input unit 720 in the storing and payment processing process may include at least one customer wireless terminal 365 number corresponding to the storing and / or predetermined payment amount information to be stored and processed. It is characterized by including the above.

The screen output unit 715 is a liquid crystal display (LCD) and / or by the control unit 705 while the payment terminal 360 performs a predetermined function (for example, the electronic payment processing function using a card) And outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. 715 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal 360.

The predefined information or data to be output from the payment terminal 360 to the screen output device may include key data input through the key input unit 720 and / or components provided in the payment terminal 360. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 730, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 360. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 715 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 360 It is preferable to perform a function of an output means, and it is also preferable to perform a function of a screen output means for outputting a processing screen corresponding to the storage payment processing step to the screen output device for the storage payment processing according to the present invention. .

The communication processor 730 connects a communication channel for transmitting and receiving at least one full text message with a predetermined storage processing server 300 in order for the payment terminal 360 to perform the storage payment processing according to the present invention. It is done.

According to one embodiment of the invention, the communication processing unit 730 is an xDSL-based communication module, the payment terminal 360 and the receiving processing server 300 on the communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol) It is preferable to connect a communication through a wired communication network. In this case, at least one or more telegrams for storing and payment processing according to the present invention are transmitted and received through the TCP / IP-based wired communication network.

According to another embodiment of the present invention, the communication processing unit 730 is a modem, and the payment terminal 360 and the receiving processing server 300 on the communication network based on a public switched telephone network (PSTN) based wired communication network It is preferable to connect through a communication, in which case at least one or more telegrams for storing and payment processing according to the present invention is transmitted and received through the PSTN-based wired communication network.

According to another embodiment of the present invention, the communication processing unit 730 is a wireless communication module, the payment terminal 360 and the receiving processing server 300 on the communication network based on the code division multiple access (CDMA) based wireless communication network, Or an IEEE 802.16x based wireless communication network or at least one wireless communication network of an IEEE 802.11x based wireless communication network. In this case, at least one or more full text for the payment processing according to the present invention may be used. Send and receive via

In addition, the communication processing unit 730 is at least with the storage processing server 300 through a predetermined value added network (VAN) in order for the payment terminal 360 to perform the storage payment processing according to the present invention. It is characterized by connecting a communication channel for transmitting and receiving one or more telegrams.

According to one embodiment of the present invention, the payment network (VAN) preferably comprises a TCP / IP-based wired communication network, in this case, the communication processing unit 730 for accessing the TCP / IP-based wired communication network It is preferable to include an xDSL-based communication module.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises a PSTN based wired communication network, in this case, the communication processing unit 730 is connected to the PSTN based wired communication network modem It is preferable to comprise.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises at least one or more of the wireless communication network, CDMA based wireless communication network, IEEE 802.16x based wireless communication network, or IEEE 802.11x based wireless communication network. In this case, the communication processing unit 730 preferably comprises a wireless communication module for connecting to the wireless communication network.

The Secure Application Module (735) is a confidentiality and / or authentication required by the payment terminal 360 in the process of performing the electronic payment and / or electronic payment using the card. And / or security requirements, including integrity and / or nonrepudiation, can be secured and trusted within the payment terminal 360 without using an authentication server (or payment server) on the payment network. As a safety device for performing such a structure, the payment terminal 360 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (eg, electronic payment and / or electronic payment function). Or decipher, add an authenticator to prevent forgery (or tampering) of the message, or store important information in the process of performing the security request function. Characterized in that to perform the function.

In general, the security application module 735 is preferably composed of a predetermined security application module 735 inserter and the security application module 735 chip, the security application module 735 chip is a chip containing at least 8 bits or more 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)) having a performance of 2 MIPS or more. It is preferable to comprise a.

In addition, the security application module 735 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 360 to perform a predetermined security request function. ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit 740 is a process of performing the electronic payment processing by the payment terminal 360 and / or a predetermined electronic payment processing history (e.g., electronic payment approval history and / or electronic payment cancellation history) generated as a result ) Is printed out through a predetermined printing device (e.g., a receipt printer), and the electronic payment processing details (e.g., electronic payment approval details and / or electronic payment cancellation details) in accordance with a predefined printing form It comprises a print protocol and a driver for printing through the printing apparatus.

The print output unit 740 is a process of the payment terminal 360 to perform a storage payment processing and / or a predetermined storage payment processing history (for example, storage payment approval history and / or storage payment cancellation history generated as a result) ) Is printed and output through a predetermined printing device (for example, a receipt printer), and the storage payment processing details (for example, storage payment approval details and / or storage payment cancellation details) in accordance with a predefined printing form. It includes a printing protocol and a driver for printing through the printing device.

Referring to FIG. 7, the payment terminal 360 checks whether the payment terminal 360 is in the electronic payment mode or the storage payment mode according to the present invention for receiving payment processing. And, if the check result payment terminal 360 operation mode is a storage payment mode according to the present invention, the customer wireless terminal 365 number and / or payment amount from a predetermined key input device via the key input unit 720 An information input unit 760 for receiving information, a full text generation unit 765 for generating a full text of a payment approval request for storing payment processing including the customer wireless terminal 365 number and / or payment amount information; The professional transmission unit 770 for transmitting the full payment approval request message to the storage processing server 300 on the communication network through the communication processing unit 730, and the payment from the storage processing server 300 through the communication processing unit 730. Respond to the entire request for approval A professional receiving unit 775 for receiving a payment approval message, and a predetermined storage payment processing history is extracted from the received payment approval message and the screen is output through the screen output unit 715, and / or the print output unit. Characterized in that it comprises a specialized processing unit 780 for printing output through the (740).

The mode confirmation unit 755 is the operating mode of the payment terminal 360 is an electronic payment mode using a card (eg, MS card, IC card) equipped with at least one or more payment means, or according to the present invention Characterized by checking whether the payment mode using the terminal 365 number.

If the operation mode of the payment terminal 360 is the electronic payment mode, the payment terminal 360 uses the conventional electronic payment processing function configuration to determine the payment means information provided in a predetermined card (eg, MS card, IC card). Perform the electronic payment processing procedure.

On the other hand, if the operation mode of the payment terminal 360 is a storage payment mode according to the present invention, the payment terminal 360 is the information input unit 760, the professional generation unit 765, the professional transmission unit 770 and the professional receiver The storage settlement processing procedure according to the present invention is performed through the 775 and the specialized processing unit 780.

The information input unit 760 is a storage payment processing customer wireless terminal 365 number to the predetermined screen output device provided in the payment terminal 360 through the screen output unit 715 for the storage payment processing according to the present invention. And outputs an interface screen for inputting the number, and receives the payment settlement customer wireless terminal 365 number through the interface screen from a predetermined key input device provided in the payment terminal 360 through the key input unit 720. Characterized in that the input.

In addition, the information input unit 760 is a predetermined screen output device provided in the payment terminal 360 through the screen output unit 715 for a storage payment processing according to the present invention. Outputs an interface screen (and / or an interface screen for selecting predetermined payment amount information) for inputting payment amount information, and receives (or selects) payment amount information for the storage payment processing through the interface screen; It is characterized by.

The information input unit 760 cancels the storage payment customer wireless terminal 365 number to the predetermined screen output device provided in the payment terminal 360 through the screen output unit 715 to cancel the storage payment according to the present invention. Outputs an interface screen for inputting the number and cancels the payment settlement customer wireless terminal 365 number through the interface screen from a predetermined key input device provided in the payment terminal 360 through the key input unit 720. Characterized in that the input.

In addition, the information input unit 760 is a predetermined screen output device provided in the payment terminal 360 through the screen output unit 715 to cancel the storage payment according to the present invention serial number Outputs an interface screen for inputting, and receives the document serial number of the payment cancellation cancellation target through the interface screen.

The full text generation unit 765 is a customer wireless terminal 365 number and / or payment amount information input through the information input unit 760 for the payment processing according to the present invention, the storage payment request transaction classification code, The payment terminal 360 information extracted from the memory unit 750, a date / time extracted from a predetermined timer (not shown) provided in the payment terminal 360, and a predetermined payment approval request document serial number Characterized in that it generates a payment approval request full text including a.

In addition, the full text generation unit 765 and the customer wireless terminal 365 number and / or storage payment cancellation target serial number and storage received through the information input unit 760 to cancel the storage payment according to the invention, Payment cancellation transaction identification code, the payment terminal 360 information extracted from the memory unit 750, the date / time extracted from a predetermined timer (not shown) provided in the payment terminal 360, and Characterized in that the payment approval cancellation full text including the payment approval cancellation document serial number of the.

When the communication processing unit 730 is connected to the storage processing server 300 through a predetermined wired communication network (or a wireless communication network), the professional transmission unit 770 is generated through the professional generation unit 765 Characterized in that for transmitting the payment approval request message and / or payment approval cancellation full text to the wired communication network (or wireless communication network) through the communication processing unit 730, the specialized transmission unit 770 is the communication processing unit 730 The payment approval request message and / or the payment approval cancellation message transmitted to the wired communication network (or wireless communication network) are received through the network component on the wired communication network (or wireless communication network) to the storage processing server 300. do.

Alternatively, when the communication processing unit 730 is connected to a predetermined payment network (VAN), the professional transmission unit 770 is the payment approval request full text and / or cancellation of payment approval generated through the professional generation unit 765 Characterized in that the transmission to the payment network (VAN) through the communication processing unit 730, the payment transmitted by the professional transmission unit 770 to the payment network (VAN) through the communication processing unit 730. The approval request text and / or the payment approval cancellation text may be received by the storage server 300 through a van server on the payment network (VAN).

After the specialized transmission unit 770 transmits a predetermined payment approval request message to the wired communication network (or wireless communication network) through the communication processing unit 730, the professional receiving unit 775 sends the communication processing unit 730. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from the wired communication network (or wireless communication network), and the storage processing server 300 receives a predetermined payment approval corresponding to the payment approval request message. When transmitting the full message, the payment approval message corresponding to the full text of the payment approval request is received through the communication processing unit 730.

In addition, after the professional transmission unit 770 transmits a predetermined payment approval cancellation message to the wired communication network (or wireless communication network) through the communication processing unit 730, the professional reception unit 775 is the communication processing unit 730. Waits for a predetermined payment cancellation message corresponding to the payment cancellation message to be received from the wired communication network (or wireless communication network), and the storage processing server 300 corresponds to the predetermined payment cancellation message for the payment cancellation message. When the payment cancellation message is transmitted, the payment cancellation message corresponding to the payment cancellation cancellation message may be received through the communication processor 730.

After the specialized transmission unit 770 transmits a predetermined payment approval request message to the payment network VAN through the communication processing unit 730, the professional receiving unit 775 transmits the predetermined payment approval request message to the payment network VAN through the communication processing unit 730. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from a payment network (VAN), and the storage processing server 300 transmits the predetermined payment approval message corresponding to the payment approval request message. And through the communication processing unit 730, characterized in that for receiving the payment approval full text corresponding to the payment approval request full text.

In addition, after the specialized transmission unit 770 transmits a predetermined payment approval cancellation message to the payment network (VAN) through the communication processing unit 730, the professional receiving unit 775 sends the communication processing unit 730. Waiting for a predetermined payment cancellation message corresponding to the payment cancellation cancellation message is received from the payment network (VAN), and the storage processing server 300 performs a predetermined payment cancellation message corresponding to the payment cancellation cancellation message. When transmitting, the payment cancellation full message corresponding to the full payment approval cancellation message is received through the communication processing unit 730.

When the professional processing unit 780 receives a payment approval text corresponding to the payment approval request text through the professional receiving unit 775, extracts a predetermined storage payment approval history from the payment approval text, and extracts the received storage payment. The approval details may be output on the screen through the screen output unit 715, and / or printed out through the print output unit 740.

In addition, when the professional processing unit 780 receives a payment cancellation full message corresponding to the payment approval cancellation full text through the special reception unit 775, extracts a predetermined storage payment cancellation history from the payment cancellation full text, and extracts the extracted payment. The storage payment cancellation details may be displayed on the screen through the screen output unit 715, and / or through the print output unit 740.

8 is a view showing an operation method for confirming the operation mode of the payment terminal 360 according to an embodiment of the present invention.

In more detail, FIG. 8 relates to a process of checking whether the operation mode of the payment terminal 360 shown in FIG. 3 is an electronic payment operation mode using a conventional card or a storage payment operation mode according to the present invention. Those skilled in the art will be able to infer various implementation methods for confirming the operation mode of the payment terminal 360 by referring to and / or modifying the drawing 8, but the present invention can be inferred It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 8, the terminal 360 confirms the terminal operation mode for payment processing through the terminal 360 before performing at least one payment procedure (800).

If the check result is that the operation mode of the terminal 360 is not a storage payment operation mode (for example, if the electronic payment operation mode using a conventional card) (805), the terminal 360 is an electronic payment procedure using a conventional card In step 810, the process of checking the operation mode of the terminal 360 is repeated.

On the other hand, if it is determined that the operation mode of the terminal 360 is a storage payment operation mode (805), the terminal 360 checks whether the operation mode is a storage payment request mode according to the present invention (815).

If the check result is that the operation mode of the terminal 360 is a storage payment request mode (820), the terminal 360 generates a full text of the payment approval request for the storage payment processing, such as 9a and / or 9b Perform the process.

On the other hand, if the check result is that the operation mode of the terminal 360 is not the storage payment request mode (820), the terminal 360 has a function corresponding to the current operation mode of the terminal 360 (eg, terminal control function, calculator) Function, cash receipt processing function, etc.) (825).

9A and 9B illustrate an operation method of generating and transmitting a full text in a payment terminal 360 according to an exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate a predetermined payment network (VAN) connected to the payment terminal 360 by generating a full payment approval request for storing payment processing in the payment terminal 360 shown in FIG. As shown in FIG. 9a, a predetermined payment amount information is input from the payment terminal 360 to generate a full payment approval request for storing payment processing, and then a predetermined payment is made. The method for transmitting to the storage processing server 300 through a network (VAN), Figure 9b is to select a predetermined payment amount information in the payment terminal 360 to generate a full payment approval request for storage payment processing The present invention relates to an implementation method of transmitting to a storage processing server 300 through a predetermined payment network (VAN).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 9a and 9b to generate a full payment approval request for payment processing processing in the payment terminal 360 to generate a predetermined payment network. Various implementation methods for transmitting to a predetermined storage processing server 300 may be inferred through the VAN, but the present invention includes all of the inferred implementation methods, and is shown in FIGS. 9A and 9B. It is not limited to this.

For example, in the operation methods shown in FIGS. 9A and 9B, some orders of the process of generating the full payment approval request for storing payment processing may be interchanged, and the present invention may be interchanged with each other in FIGS. 9A and 9B. It also includes all implementation methods in which some order of operation methods have been changed.

In the following Figures 9a and 9b, the payment terminal 360 shown in Figure 3 is referred to as "terminal" for convenience.

Referring to FIG. 9A, if the operation mode of the terminal 360 shown in FIG. 8 confirms that the operation mode of the terminal 360 is a storage payment request mode, the terminal 360 is provided in the terminal 360. Outputs the interface screen for inputting the number of the customer wireless terminal 365 for storing payment processing according to the present invention through a predetermined screen output device (910a), through a predetermined key input device provided in the terminal 360 It is checked whether the customer wireless terminal 365 number corresponding to the interface screen is input (915a).

If a customer wireless terminal 365 number corresponding to the interface screen is input through a key input device provided in the terminal 360 (920a), the terminal 360 is provided with a predetermined number of terminals 360. Outputs an interface screen for inputting payment amount information for storing payment processing for storing payment processing according to the present invention through a screen output device (925a), and through the predetermined key input device provided in the terminal 360 In operation 930a, it is checked whether payment amount information for storing payment processing corresponding to the screen is input.

If the payment amount information for storing payment processing corresponding to the interface screen is input through a key input device provided in the terminal 360 (935a), the terminal 360 receives the payment terminal from the memory unit 750. (360) extract information and storage item information, extract the professional transmission date and the professional transmission time from a predetermined timer (not shown) (940a), and generate a predetermined document serial number corresponding to the payment approval request. 945a, a predetermined storage payment request transaction identification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted payment terminal 360 information, storage item information, a professional transmission date, In operation 950a, a payment approval request message for storing and payment processing is generated, including the full text transmission time and the generated document serial number.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the payment approval request text for storing payment processing is generated as described above, the terminal 360 transmits the full text of the payment approval request through a predetermined payment network (VAN) (955a).

Referring to FIG. 9B, if the operation mode of the terminal 360 shown in FIG. 8 confirms that the operation mode of the terminal 360 is a storage payment request mode, the terminal 360 is provided in the terminal 360. Outputs an interface screen for inputting the number of the customer wireless terminal 365 for storing payment processing according to the present invention through a predetermined screen output device (910b), through a predetermined key input device provided in the terminal 360 In operation 915b, it is checked whether a customer wireless terminal 365 number corresponding to the interface screen is input.

If a customer wireless terminal 365 number corresponding to the interface screen is input through a key input device provided in the terminal 360 (920b), the terminal 360 stores at least one or more from the memory unit 750. Extracting payment amount information corresponding to item information, outputting an interface screen for selecting payment amount information for storing payment processing for selecting any one of the payment amounts (925b), and provided to the terminal 360 Through the predetermined key input device, it is checked whether payment amount information for storing payment processing corresponding to the interface screen is selected (930b).

If the payment amount information for storing payment processing corresponding to the interface screen is selected through a key input device provided in the terminal 360 (935b), the terminal 360 receives the payment terminal from the memory unit 750. (360) extract information and storage item information, extract the professional transmission date and the professional transmission time from a predetermined timer (not shown) (940b), and generate a predetermined document serial number corresponding to the payment approval request. 945b, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted payment terminal 360 information, storage item information, a professional transmission date, In operation 950b, a payment approval request message for storing and payment processing including a full text transmission time and the generated document serial number is generated.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 360 transmits the full text of the payment approval request through a predetermined payment network (VAN) (955b).

10 illustrates a storage settlement process according to an embodiment of the present invention.

More specifically, FIG. 10 shows the storage server shown in FIG. 3 through the process shown in FIGS. 5A and / or 5B and / or 6A and / or 6B and / or 9A and / or 9B. When a predetermined payment approval request text for a predetermined payment processing is received at 300, the storage processing server 300 confirms the validity of the payment processing based on the payment approval request text, and completes the payment approval request text. Extracting the customer wireless terminal 365 number from the; and extracting the credit card (or check card) information from the storage medium 130 based on the customer wireless terminal 365 number; The present invention relates to a process of confirming that the storage settlement process through payment is possible, and a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 10 and the Would be able to infer the settlement processing various storage payment process by the payment authorization request for a professional, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 10.

Hereinafter, in FIG. 10, the storage processing server 300 shown in FIG. 3 is referred to as " server " for convenience.

Referring to FIG. 10, the entire payment approval request for a predetermined payment processing process is performed through the process shown in FIGS. 5A and / or 5B and / or 6A and / or 6B and / or 9A and / or 9B. When received (1000), the server 300 extracts the storage request authority unique information from the full payment approval request for the storage payment processing, and compares and authenticates with the storage request authority information stored in the storage medium 130 In operation 1005, the validity of the storage requesting institution that transmits the full payment approval request for storage payment processing is transmitted.

If the validity of the unique information of the storage requesting institution is not authenticated (for example, if the validity of the storage requesting institution that transmits the payment approval request text for the storage payment processing is not authenticated) (1010), the server 300 A communication path in which a payment approval request message including a result of a predetermined payment error is generated (1015), and a predetermined payment approval message including the payment approval information is generated to receive the payment approval request text for the storage payment processing. Through the transmission to the terminal through the output (1020).

On the other hand, if the validity of the unique information on the storage request authority is authenticated (for example, when the validity of the storage requesting institution that transmitted the payment approval request for the payment processing is authenticated) (1010), the server 300 is stored Extracting at least one or more pieces of information matched with payment processing target information stored in the storage medium 130 from a payment approval request text for payment processing, comparing and authenticating with the payment processing target information stored in the storage medium 130. By doing so, the validity of the payment processing target is confirmed (1025).

If the validity of the payment processing target information is not authenticated (eg, if the validity of the storage payment processing target is not authenticated) (1030), the server 300 receives the storage payment including a predetermined storage payment error result. Generates the approval details (1015), generates a predetermined payment approval full text including the payment approval approval details and transmits to the terminal through the communication path received the payment approval request full text for payment processing processing and outputs (1020) ).

On the other hand, when the validity of the payment processing target information is authenticated (eg, when the validity of the storage payment processing object is authenticated) (1030), the server 300 wirelessly transmits the customer wireless information from the full payment approval request for the storage payment processing. Terminal 365 number and payment amount information (in accordance with another embodiment, the payment amount information can be extracted from the storage medium 130) is extracted (1035), and the customer wireless terminal (from the storage medium 130) 365, credit card (or check card) information stored in association with the number is extracted (1040).

Thereafter, the server 300 associates the credit card (or check card) information extracted from the storage medium 130 and the payment amount information extracted from the full payment approval request for the storage payment processing with the server 300. By transmitting to the credit settlement server (or check settlement server) (1045), it is checked whether it is possible to process the settlement amount through the credit card (or check card) settlement (1050).

If the check result is unable to process the payment amount through the credit card (or check card) payment (1055), the credit payment server (or check payment server) returns a result of the payment processing to the server ( 1060), correspondingly, the server 300 generates a predetermined payment approval history including a credit card (or check card) payment error result (1065) and a predetermined payment approval including the storage payment approval details. After generating the full message, the payment approval request text for the payment processing is transmitted to the terminal through the received communication path and outputs it (1070).

On the other hand, if the check result is able to process the payment amount through the credit card (or check card) payment (1055), the credit payment server (or check payment server) is possible to process the payment to the server 300 Returns 1075.

Figure 11 shows the final approval process of payment settlement according to the embodiment of the present invention.

In more detail, in FIG. 11, after confirming that payment processing through the credit card (or check card) is possible from the credit settlement server (or check payment server) through the process shown in FIG. 10, the customer wireless terminal The process of finally approving the storage payment through 365, and a person of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the drawing 11 to finally approve the storage payment process. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, FIG. 11 illustrates the final approval of the storing and payment process through the approval method, and a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the present invention. Thus, the implementation method of finally approving the storing and payment process may be inferred through an escrow method, and the present invention includes an implementation method of finally approving the storing and payment process through the escrow method.

Hereinafter, in FIG. 11, the storing processing server 300 shown in FIG. 3 is referred to as " server " for convenience.

Referring to FIG. 11, when it is confirmed that the credit card (or check card) payment is possible through the process shown in FIG. 10 through the credit card (or check card) payment, the server 300 ) Requests the approval of the credit card (or check card) payment through the credit card (or check card) information and the payment amount information to the credit settlement server (or check payment server) (1100). In step 1105, the credit settlement server (or check settlement server) performs the approval process for the credit card (or check card) payment through the credit card (or check card) information and the payment amount information.

Thereafter, the server 300 generates a storage payment approval request message including a callback UEL corresponding to the server 300 (1110), and the generated storage payment approval request through the customer wireless terminal 365 number The message is transmitted to the customer wireless terminal 365 (1115).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 365 receiving the storage payment approval request message does not finally approve the storage payment approval by accessing the server 300 within a given time, the storing The payment process maintains an approved state (or escrow state), and the server 300 generates a storage payment approval history corresponding to the approved state (or escrow state), and includes the payment settlement approval history. It is possible to generate an approval text and transmit it along the communication path which received the payment approval text for the payment processing.

In addition, when the storage payment processing is in the approved state (or escrow state) as described above, after a predetermined time elapses, the customer connects to the server 300 through the customer wireless terminal 365 and stores the storage. It is possible to finally approve payment processing, and / or when the server 300 has a web server function, after a predetermined time has elapsed, the server 300 is connected to the server 300 through a predetermined client terminal 135. It is possible to confirm the storing and payment processing and finally approve through the customer wireless terminal 365, whereby the present invention is not limited.

If the customer wireless terminal 365 receiving the storage payment approval request message accesses the server 300 through the callback UEL (1120), the server 300 is determined as the customer wireless terminal 365. Provides the payment authentication information input interface screen that can be transmitted to the server 300 by inputting the payment authentication information (1125), and the customer wireless terminal 365 is predetermined through the payment authentication information input interface Input payment authentication information and transmit it to the server 300 (1130).

Thereafter, the server 300 compares and authenticates the payment authentication information received from the customer wireless terminal 365 and the stored payment authentication information stored in association with the number of the customer wireless terminal 365, so that the storage payment processing is performed. Check for final approval (1135).

If the storing payment process is not finally approved after performing the authentication procedure (1140), the server 300 provides and outputs the payment authentication information input interface screen to the customer wireless terminal 365 and outputs the payment. Receiving predetermined payment authentication information through an authentication information input interface, the process of comparing and authenticating with the storage payment authentication information is repeated.

On the other hand, when the storage payment process is finally approved (1140), the server 300 performs a storage payment processing process using the credit card (or check card) in association with the credit payment server (or check payment server).

Figure 12 shows a process of notifying the result of the settlement payment processing according to the embodiment of the present invention.

More specifically, FIG. 10 illustrates a process of notifying the storage requesting institution and the customer of the storage payment processing result when the storage payment processing is finally approved through the process illustrated in FIG. 11. Those skilled in the art will be able to infer various implementation methods for notifying the result of the payment settlement process by referring to and / or modifying the drawing 12, but the present invention is directed to all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 11, the storage processing server 300 shown in Fig. 3 is referred to as " server " for convenience, and the storage terminal 355 (or payment terminal 360) provided in the storage requesting institution is referred to as " terminal " It is called.

Referring to FIG. 12, when the storing payment process is finally approved through the process illustrated in FIG. 11, the server 300 receives a credit card (or check card) corresponding to the storage requesting institution from the storage medium 130. Extract payment merchant information (1200), and pay the credit card (or check card) information and payment amount information and the credit card (or check card) corresponding to the storage requesting institution to the credit settlement server (or check payment server) Merchant information is provided (1205), and correspondingly, the credit settlement server (or check payment server) provides the credit card (or check card) information and the credit card (or check card) payment merchant information corresponding to the storage requesting institution. After performing a credit card (or check card) payment through 1210, the credit card (or check card) payment result is returned to the server 300 (1215).

Thereafter, the server 300 generates a predetermined payment approval history including the storage payment processing result (1220), and also generates a predetermined payment approval text including the storage payment approval history (1225). In step 1230, the payment approval text is transmitted to the terminal provided in the storage requesting institution along the communication path for receiving the payment approval text for the storage payment processing.

In operation 1235, the server 300 generates a predetermined wireless message including the received payment approval details and transmits the generated wireless message to the customer wireless terminal 365 through the customer wireless terminal 365 number.

If the customer wireless terminal 365 is connected to the server 300 at the time when the storage payment approval history is generated, the server 300 provides the storage payment approval history to the customer wireless terminal 365. To print.

13 is a view showing a storage payment system according to an embodiment of the present invention.

In more detail, Figure 13 shows that the storage processing server 300 performs the function of a web server, and the customer wireless terminal 365 number, credit card ( Or check card) information, storage requesting agency information, and / or payment processing target information are stored in association with each other, the storage payment processing according to the present invention is performed by accessing the storage processing server 300 through a predetermined client terminal 135. As an implementation method for a payment settlement system for performing the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 13 so that the processing server 300 functions as a web server. And the customer wireless terminal 365 number, credit card (or check card) information, storage requesting agency information, and / or payment processing target information are connected to the storage medium 130 for storage payment processing according to the present invention. Various implementation methods for the storage payment system corresponding to the case where the system is processed and stored may be inferred, but the present invention includes all the implementation methods inferred, and thus the present invention is not limited thereto.

For example, in FIG. 13, the storage processing server 300 for processing the storage payment according to the present invention is illustrated as one server. However, the storage processing server 300 may include a storage payment server corresponding to the client terminal 135. And, it can be separated into a wireless authentication server corresponding to the customer wireless terminal 365, whereby the present invention is not limited.

According to FIG. 13, the storage payment system is connected to a predetermined client terminal 135 through a network means and uses a credit card (or check card) using credit card (or check card) information stored in the storage medium 130. The storage processing server 300 is connected to a predetermined credit settlement server (or check payment server) for processing a payment through a predetermined interface means.

Referring to FIG. 13, the storage processing server 300 connects a communication channel for transmitting / receiving at least one or more information for storage processing according to the present invention to a predetermined client terminal 135 through a predetermined network means. It is characterized by comprising a web interface unit 370.

The web interface unit 370 has an interface for accessing the web server through a predetermined network means using a browser provided in at least one or more client terminals 135 and a predetermined web page to the client terminal 135. And at least one of an interface for receiving a predetermined data from the client terminal 135 through at least one form form included in the web page, and to provide a, Those skilled in the art will be able to easily infer the detailed functions and roles of the web interface unit 370 to allow the storage processing server 300 to perform the functions of a web server. Detailed description is omitted for convenience.

According to the present invention, the payment processing server 300 receives the customer wireless terminal 365 number for the payment processing according to the present invention from a predetermined client terminal 135 through the web interface unit 370. Characterized in that it comprises a information receiving unit 345.

The payment information receiver 325 may further receive the storage requesting agency information and / or payment processing target information from a predetermined client terminal 135 through the web interface 370.

According to the present invention, the storage processing server 300 and the customer wireless terminal 365 and the number from the storage medium 130 through the customer wireless terminal 365 number received through the payment information receiving unit 325 It is characterized in that it comprises an information confirmation unit 330 for confirming the stored credit card (or check card) information associated with the process.

According to an embodiment of the present invention, if the credit card (or check card) information associated with the customer wireless terminal 365 number is extracted from the storage medium 130 by the information checking unit 330, the credit card A storage payment procedure using credit card (or check card) payment corresponding to (or check card) information is performed.

According to the present invention, the storage processing server 300 is the credit card (or check card) information extracted from the storage medium 130 and the payment amount extracted from the payment processing target information through the information verification unit 330 On the basis of the information (or information on the payment amount received from the client terminal 135), the credit settlement server (or check payment server) is provided with an authorization processing unit 310 for requesting the approval of the acceptance payment processing Characterized in that made.

The authorization processing unit 310 provides the credit card (or check card) information and the payment amount information to the credit settlement server (or check payment server) through a predetermined interface means. It is characterized in that to perform a credit card (or check card) payment approval possibility confirmation process to check whether the payment amount can be processed through.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a credit card, the approval processing unit 310 sends the credit card information and the payment amount information to the credit settlement server. By providing a, characterized in that performing a credit credit card (or check card) payment approval possibility confirmation process for confirming whether the credit amount can be processed within the credit card limit amount.

According to another exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a check card, the approval processing unit 310 sends the check card information and the payment amount to the check payment server. By providing information, confirming that the amount deposited in the financial account associated with the check card is sufficient for the payment of a check credit card (or check card) payment authorization to confirm that there is a sufficient amount to debit the payment amount Characterized in performing the process.

If as a result of performing the credit card (or check card) payment authorization confirmation process, the payment amount can be processed through the credit card (or check card) payment, the approval processing unit 310 is The credit card (or check card) payment is approved in association with the credit payment server (or check payment server).

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a credit card, the authorization processing unit 310 is linked to the credit settlement server and corresponds to the payment amount. It is characterized in that the credit payment lock process is performed so that payment is not processed by the other credit request.

According to another exemplary embodiment of the present invention, when the card information stored in association with the customer wireless terminal 365 number is a check card, the approval processing unit 310 corresponds to the payment amount in connection with the check payment server. Characterized in that the check payment lock process to prevent the amount is withdrawn by another financial transaction in the financial account associated with the check card.

According to another exemplary embodiment of the present invention, the approval processing unit 310 collectively performs a credit card (or check card) payment approval confirmation process and a card payment lock process in association with the credit settlement server (or check payment server). The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, in the check card settlement, when an escrow function is provided in the financial system in which the financial account associated with the check card is opened, the approval processing unit 310 may be used. The amount corresponding to the payment amount may be withdrawn from the financial account associated with the check card in connection with the check payment server and deposited into a predetermined temporary account (eg, an escrow account). Card payment lock process for the card payment can be omitted, thereby the present invention is not limited.

In particular, when the card payment lock process for the check card is omitted, the process of confirming the credit card (or check card) payment approval possibility is performed by the payment approval processing unit 305 provided in the storage processing server 300. The present invention is not limited thereto.

According to the present invention, when the storing processing process according to the present invention is finally approved (for example, when the final approval through the customer wireless terminal 365), the credit settlement server (or check payment) A payment approval processing unit 305 for final payment approval processing of the amount corresponding to the payment amount through the credit card (or check card) in association with the server), and generating a predetermined storage payment approval history corresponding to the storage payment processing. It is characterized by comprising a).

In addition, after the credit card (or check card) payment approval possibility confirmation process (and / or payment card payment process) is performed, if not finally approved for a certain time, the payment approval processing unit 305 is the storage payment processing It is characterized in that for generating the storage payment approval history corresponding to (for example, the card payment confirmation and / or card payment lock).

In addition, when the credit card (or check card) payment error occurs in the process of confirming the credit card (or check card) payment approval possibility process, the payment approval processing unit 305 responds to the storage payment processing. It characterized in that to generate a storage payment approval history.

Here, it is preferable that the credit card payment error is made including an error exceeding the limit amount, and the check card payment error is preferably made including a balance shortage error of the financial account associated with the check card.

According to the present invention, the storage processing server 300 requests a final approval for the storage payment processing to the customer wireless terminal 365 after the credit card (or check card) payment approval possibility confirmation process is performed. Generate a wireless message (e.g., a short message or a multimedia message), and generate the wireless message from the customer wireless terminal 365 number (or the storage medium 130) received from the full payment authorization request for the payment processing. And an information transmitter 340 for transmitting to the customer wireless terminal 365 by using the extracted customer wireless terminal 365 number).

The wireless message generated by the information transmitter 340 includes a callback URL (CallbackURL) for allowing the customer wireless terminal 365 to access the storage processing server 300 for the final approval of the storage payment processing. Characterized in that made.

According to the present invention, the receiving processing server 300 allows the customer wireless terminal 365 to access the receiving processing server 300 through the callback UEL, and the customer wireless terminal 365 and the storing and payment processing. Characterized in that it comprises a wireless processing unit 335 for connecting the communication channel for the final approval for.

When the customer wireless terminal 365 is connected to the storage processing server 300 through the callback UEL, the wireless processing unit 335 is predetermined payment corresponding to the storage payment authentication information to the customer wireless terminal 365 Characterized by requesting authentication information.

Those skilled in the art to which the present invention pertains may generate a predetermined wireless message and transmit the predetermined wireless message to the information transmitter 340 for transmitting to the customer wireless terminal 365 in a web-to-phone manner. Familiarity with the preferred functional configuration for the wireless processing unit 335 provides a wireless Internet function for the customer wireless terminal 365 to access the storage processing server 300 through the callback UEL. Since it will be, a detailed description thereof will be omitted for convenience.

According to the present invention, the storage processing server 300 is characterized in that it comprises an information receiving unit 345 for receiving predetermined payment authentication information transmitted from the customer wireless terminal 365.

According to the present invention, when the storage processing server 300 is received through the information receiving unit 345, the storage payment authentication information stored in association with the customer wireless terminal 365 number is stored from the storage medium 130. And an authentication processing unit 350 for checking whether the customer finally approved the storage payment process by extracting and comparing and authenticating the payment authentication information received through the information receiving unit 345 through the storage payment authentication information. Characterized in that made.

When it is confirmed by the authentication processing unit 350 that the customer finally approved the storage payment processing, the payment approval processing unit 305 is connected with the credit payment server (or check payment server) to approve the storage payment. Process to generate a predetermined storage payment approval history.

According to the present invention, the storage processing server 300 generates a storage payment approval page including the storage payment approval history generated by the payment approval processing unit 305, and the storage payment approval page is the web interface unit. It is characterized in that it comprises a payment result transmitting unit 320 for transmitting to the client terminal 135 through 370.

According to the exemplary embodiment of the present invention, when the storing payment is approved by the payment approval processing unit 305 and a predetermined storing payment approval is generated, the information transmitting unit 340 displays the storing payment approval details. Generate and transmit a predetermined wireless message to the customer wireless terminal 365, and / or the wireless processing unit 335 provides the storage payment approval details to the customer wireless terminal 365 to output. desirable.

14 is a diagram illustrating an information providing process for a web-based payment settlement process according to an embodiment of the present invention.

More specifically, FIG. 14 shows the present invention in which the client terminal 135 on the payment processing system shown in FIG. 13 connects to the storage processing server 300 which performs a predetermined web server function through predetermined network means. As an implementation method for an information providing process for processing a storage payment according to the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14 and receive the storage payment shown in FIG. Various implementation methods for the information providing process for the web-based payment settlement process corresponding to the processing system may be inferred, but the present invention includes all the inferred implementation methods and is limited to the implementation method shown in FIG. Not.

In addition, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or apply the drawing 14 to access the storage processing server 300 through the client terminal 135 to process a predetermined storage payment process. While performing the process, it may be possible to infer a process of finally approving at least one or more settlement payments in the approved state (or escrow state), but the present invention includes the inferred implementation method.

Hereinafter, in FIG. 14, the client terminal 135 shown in FIG. 13 is referred to as a "terminal" for convenience, and the storage processing server 300 is referred to as a "server" for convenience.

Referring to FIG. 14, when the terminal accesses the server 300 through a predetermined network means and requests membership payment and processing according to the present invention after joining and / or logging in (1400), the server 300 By providing a predetermined customer wireless terminal 365 number input interface screen for inputting and transmitting a customer wireless terminal 365 number to the terminal, the customer wireless terminal 365 number is received from the terminal (1405).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 365 number is stored in predetermined member information D / B (not shown) provided in the server 300, a predetermined customer wireless terminal is stored in the terminal. The process of receiving the customer wireless terminal 365 number by providing a number input interface screen may be replaced with a process of extracting the customer wireless terminal 365 number from the member information D / B. The present invention is not limited by this.

According to another exemplary embodiment of the present invention, an account in which the terminal logs in to the server 300 may include the customer wireless terminal 365 number, and the present invention is not limited thereto.

Thereafter, the server 300 extracts at least one storage request organization information stored in association with the customer wireless terminal 365 number from the storage medium 130 (1410), and the extracted at least one storage request. A storage requesting agency selection interface screen including institution information is generated and provided to the terminal through the network means and outputted (1415). In response, the terminal processes a predetermined storage settlement process through the storage requesting agency selection interface screen. In operation 1420, the target storage requesting institution is selected.

If the storage payment processing target storage request organ is selected (1425), the terminal transmits the selected storage payment processing storage request organ information to the server 300 (1430).

Thereafter, the server 300 extracts at least one payment processing target information corresponding to the storage payment processing target storage requesting institution from the storage medium 130 (1435), and includes a predetermined payment including the payment processing target. A process target selection interface screen is generated and provided to the terminal (1440), whereby the terminal selects a predetermined payment processing target through the payment processing target selection interface screen (1445).

If the payment processing object is selected (1450), the terminal transmits the selected payment processing object to the server 300 (1455), after which the server 300 includes the customer wireless terminal 365 number; The storage payment processing process according to the present invention is performed based on the payment processing object corresponding to the storage requesting institution.

15 shows a storage payment processing process according to the embodiment of the present invention.

In more detail, Figure 15 shows the customer wireless terminal 365 number and storage requesting agency information for the storage payment processing according to the present invention to the storage processing server 300 shown in Figure 13 through the process shown in Figure 14 And when the payment processing target information is received, based on the customer wireless terminal 365 using the customer wireless terminal 365 number, the storage requesting agency information, and the payment processing target information in the storage processing server 300. The process of extracting the credit card (or check card) information from the storage medium 130 to determine whether the storage payment processing through the credit card (or check card) payment is possible, which is usually in the art Those skilled in the art will be able to infer various storage payment processing procedures by referring to and / or modifying this drawing 15. However, the present invention provides a method of inferring the above-described implementation method. It includes, and is not limited to the exemplary method shown in the figure 15.

In the following figure 15, the storage processing server 300 shown in FIG. 13 is referred to as " server " for convenience.

Referring to FIG. 15, when the customer wireless terminal 365 number, the storage requesting agency information, and the payment processing target information for the storage payment processing according to the present invention are received through the process shown in FIG. 14, the server 300 Extracts predetermined payment amount information from the storage medium 130 through the received payment processing target information (1535), and stores the credit stored in association with the customer wireless terminal 365 number from the storage medium 130; The card (or check card) information is extracted (1540).

Thereafter, the server 300 transmits the credit card (or check card) information and the payment amount information extracted from the storage medium 130 to a credit settlement server (or check payment server) associated with the server 300. As a result (1545), it is checked whether it is possible to process the payment amount through the credit card (or check card) payment (1550).

If the check result is unable to process the payment amount through the credit card (or check card) payment (1555), the credit payment server (or check payment server) is unable to process the payment to the server 300 results Return (1560), and correspondingly, the server 300 generates a predetermined payment authorization details including a credit card (or check card) payment error result (1565), and includes the predetermined payment authorization details. The storage settlement approval page is generated and transmitted to the terminal through the network means and output (1570).

On the other hand, if the check result is able to process the payment amount through the credit card (or check card) payment (1555), the credit payment server (or check payment server) is possible to process the payment to the server 300 Returns (1575).

Figure 16 shows the final approval process of the storage payment according to the embodiment of the present invention.

In more detail, Figure 16 shows that the payment process through the credit card (or check card) from the credit settlement server (or check payment server) through the process shown in Figure 10, the customer wireless terminal after The process of finally approving the storage payment through 365, and a person of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the drawing 16 to finally approve the storage payment process. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, FIG. 16 illustrates a final approval of the storage settlement process through an approval method, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. An escrow method may be inferred as a method of finally approving the storage payment process, and the present invention may include an implementation method of finally approving the storage payment process through the escrow method.

Hereinafter, in FIG. 16, the storing processing server 300 shown in FIG. 3 is referred to as " server " for convenience.

Referring to FIG. 16, when it is confirmed through the process shown in FIG. 10 that the storage payment process is possible through the credit card (or check card) payment from the credit settlement server (or check payment server), the server 300 ) Requests the approval of the credit card (or check card) payment through the credit card (or check card) information and the payment amount information to the credit settlement server (or check payment server) (1600). In step 1605, the credit settlement server (or check settlement server) performs an authorization procedure for the credit card (or check card) payment through the credit card (or check card) information and the payment amount information.

Thereafter, the server 300 generates a storage payment approval request message including a callback UEL corresponding to the server 300 (1610), and the generated storage payment approval request through the customer wireless terminal 365 number The message is transmitted to the customer wireless terminal 365 (1615).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 365 receiving the storage payment approval request message does not finally approve the storage payment approval by accessing the server 300 within a given time, the storing The payment process maintains an approved state (or escrow state), and the server 300 generates a storage payment approval history corresponding to the approved state (or escrow state), and includes the storage payment approval history. A payment approval page may be generated and transmitted to the terminal through the network means.

In addition, when the storage payment processing is in the approved state (or escrow state) as described above, after a predetermined time elapses, the customer connects to the server 300 through the customer wireless terminal 365 and stores the storage. It is possible to finally approve payment processing, and / or when the server 300 has a web server function, after a predetermined time has elapsed, the server 300 is connected to the server 300 through a predetermined client terminal 135. It is possible to confirm the storing and payment processing and finally approve through the customer wireless terminal 365, whereby the present invention is not limited.

If the customer wireless terminal 365 receiving the storage payment approval request message connects to the server 300 through the callback UL (1620), the server 300 is determined as the customer wireless terminal 365. Provides the payment authentication information input interface screen that can be transmitted to the server 300 by inputting the payment authentication information (1625), and the customer wireless terminal 365 is a predetermined payment through the payment authentication information input interface The authentication information is input and transmitted to the server (1630).

Thereafter, the server 300 compares and authenticates the payment authentication information received from the customer wireless terminal 365 and the stored payment authentication information stored in association with the number of the customer wireless terminal 365, so that the storage payment processing is performed. Confirm that it is finally approved (1635).

If the storing payment process is not finally approved after performing the authentication procedure (1640), the server 300 provides the payment authentication information input interface screen to the customer wireless terminal 365 and outputs it. Receiving predetermined payment authentication information through the payment authentication information input interface, the process of comparing and authenticating with the payment confirmation authentication information is repeated.

On the other hand, when the storage payment process is finally approved (1640), the server 300 performs a storage payment processing process using the credit card (or check card) in association with the credit payment server (or check payment server).

Figure 17 shows a process of notifying the result of the settlement payment processing according to the embodiment of the present invention.

In more detail, FIG. 10 relates to a process of notifying the storage requesting institution and the customer of the storage payment processing result when the storage payment processing is finally approved through the process shown in FIG. 16. Those skilled in the art will be able to infer various implementation methods for notifying the result of the payment settlement process by referring to and / or modifying the drawing 17, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 16, the storage processing server 300 shown in Fig. 3 is referred to as " server " for convenience, and the storage terminal 355 (or payment terminal 360) provided in the storage requesting institution is " terminal " It is called.

Referring to FIG. 17, when the storing and payment process is finally approved through the process illustrated in FIG. 16, the server receives credit card (or check card) payment merchant information corresponding to the storage requesting institution from the storage medium 130. Extract (1700), the credit card (or check card) information and payment amount information and the credit card (or check card) payment merchant information corresponding to the storage requesting institution to the credit settlement server (or check payment server); In response (1705), the credit settlement server (or check payment server) is the credit card (or check card) information and credit card (or check card) payment merchant information corresponding to the storage requesting institution corresponding to the credit card After performing payment (or check card) (1710), the credit card (or check card) payment result is returned to the server (1715).

Thereafter, the server generates a predetermined storage payment approval history including the storage payment processing result (1720), and also generates a predetermined storage payment approval page including the storage payment approval history (1725). A payment settlement approval page is transmitted to the terminal through the network means and output (1730).

In addition, the server generates a predetermined wireless message including the payment settlement approval details and transmits the generated wireless message to the customer wireless terminal 365 through the customer wireless terminal 365 number (1735).

If the customer wireless terminal 365 is connected to the server 300 at the time when the storage payment approval history is generated, the server 300 provides the storage payment approval history to the customer wireless terminal 365. To print.

According to the present invention, the customer can more easily and conveniently handle the payment of the school expenses, such as the customer's credit card or the customer's mobile number associated with the check card, such as the customer's mobile phone number, the card company to communicate the customer's mobile phone number, etc. When the payment approval process using the customer account associated with the Sudan unique number, after the approval process is processed by the customer approval process separately, it has the effect of ensuring the safety of payment processing.

In addition, as the customer stores and registers a payment processing object using a communication means unique number such as a customer credit card or a customer's mobile phone number connected to the customer's credit card or check card, there is a possibility of misuse due to the leakage of the unique number At the same time blocking the source, it has the effect of eliminating the inconvenience that the customer had to directly enter the payment processing target information.

For example, if the customer registers the information that he or she wants to pay for the school fee and newspaper price of the school A with a credit or check card linked to the mobile phone number, the customer provides only the mobile phone number at the time of payment processing. You will only be required to pay your child's school fees or newspaper charges for A pre-registered school using a credit or check card linked to your mobile phone number. It is possible to prevent payment processing for other uses.

Claims (10)

An information storing step of linking and processing the customer communication terminal unique number information and the customer credit card (or check card) information in a predetermined information storing means in a predetermined storage medium; An information receiving step of receiving, in a predetermined information receiving means, a full payment approval request message including the unique number information of the customer communication terminal; An information checking step of confirming customer credit card (or check card) information associated with the customer communication terminal identification number included in the full text in association with the storage medium (or storage medium operating means) in a predetermined information checking means; A payment approval processing step of processing a payment approval corresponding to the payment approval request by using the confirmed customer credit card (or check card) information in a predetermined payment approval processing means; And And transmitting the payment approval processing details from a predetermined information transmitting means to the full payment approval request transmission means or the customer communication means. The payment approval processing step, If the card associated with the customer communication terminal unique number is a credit card, Checking the credit limit of the customer credit card in the payment approval processing means to confirm whether the amount of money corresponding to the payment approval request can be processed; Processing the approval in response to the payment approval request in the payment approval processing means if the approval result is possible to be processed; When the server on the communication network connected to the payment approval processing means transmits the payment processing details to the customer communication means, and receives the approval information for the payment processing from the customer communication means, it notifies the payment approval processing means. step; And converting the temporary approval process into an approval process on the basis of the approval information in the payment approval processing means. If the card associated with the customer communication terminal unique number is a check card, The payment approval processing means checks the payment account corresponding to the customer check card, and in connection with the account management means for managing the payment account, to check whether the withdrawal of money corresponding to the payment approval request is possible, and the payment account Requesting to set an amount of money withdrawal prevention lock corresponding to the payment approval request at; When the server on the communication network connected to the payment approval processing means transmits the payment processing details to the customer communication means, and receives the approval information for the payment processing from the customer communication means, it notifies the payment approval processing means. step; Requesting the lock release and withdrawal of a payment amount set in the payment account to the account management means on the basis of the approval information in the payment approval processing means. The method of claim 1, wherein the storing of the information comprises: Payment processing target information processed using the customer communication terminal unique number information linked to the customer credit card (or check card) information-payment processing target blind spot information, payment processing amount information, payment processing usage information, And payment processing target information including at least one or more payment processing target customer information, and the like, by further linking and storing the payment processing target information. The method of claim 1, wherein the checking of information comprises: Payment processing target information that is processed by using the customer communication terminal unique number information that is processed in association with the customer credit card (or check card) information on the storage medium-payment processing merchant information and payment processing amount information, payment processing When the payment processing target information including at least one usage information and at least one payment processing target customer information is stored, it is determined whether the payment processing target included in the preamble is included in the payment processing target previously stored in the storage medium. Payment processing method using a communication number characterized in that it further comprises the step of. delete delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. delete delete delete delete

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