KR100852916B1 - System and Method for Processing No-authentication Small Amount Settlement and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for performing a credit card unauthorized micropayment on behalf of a card company, the card company unauthorized micropayment processing history information corresponding to the card information included in the full payment card or non-authorized credit card payment processing request sent from the payment terminal or server By confirming, check whether the card company unauthorized micropayment processing amount or the number limit of the card for a certain period of time is exceeded, and performing the payment processing corresponding to the card company unauthorized micropayment processing request in response to the verification result. It is done.

Card company, Unauthorized, Small payment

Description

System and Method for Processing No-authentication Small Amount Settlement and Program Recording Medium}

1 is a view showing the configuration of an unauthorized small payment system for the unauthorized small payment processing according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a payment terminal having an unauthorized small payment function according to an embodiment of the present invention.

3 is a diagram illustrating an unauthorized payment request professional structure for the unauthorized small payment processing according to an embodiment of the present invention.

4 is a diagram illustrating an operation process of a payment terminal for unauthorized small payment processing according to an embodiment of the present invention.

5A and 5B illustrate an unauthorized micropayment processing process through a payment terminal equipped with a micropayment mode according to an exemplary embodiment of the present invention.

6A and 6B illustrate an unauthorized micropayment processing process through a payment terminal equipped with a micropayment mode according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating an unauthorized micropayment processing process through a predetermined payment terminal according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a post-approval process for an unauthorized payment details according to an exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating an unauthorized micropayment system configuration for an unauthorized micropayment process according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a functional configuration of a payment request server having an unauthorized micropayment function according to an exemplary embodiment of the present invention.

11 is a diagram illustrating an unauthorized payment request professional structure for the unauthorized small payment processing according to another embodiment of the present invention.

12 is a diagram illustrating an operation process of a payment request server for unauthorized small payment processing according to an embodiment of the present invention.

13A and 13B illustrate an unauthorized micropayment processing process through a payment request server equipped with a micropayment mode according to an exemplary embodiment of the present invention.

14A and 14B illustrate an unauthorized micropayment processing process through a payment request server equipped with a micropayment mode according to another exemplary embodiment of the present invention.

15A and 15B are diagrams illustrating an unauthorized micropayment processing process through a predetermined payment request server according to another exemplary embodiment of the present invention.

16 is a diagram illustrating a post-approval processing process for an unauthorized payment history according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: Vensa server 105: interface unit

110: professional receiving unit 115: information extraction unit

120: unauthorized confirmation unit 125: unauthorized processing unit

130: information storage unit 135: professional generation unit

140: professional transmission unit 145: payment approval processing unit

150: after approval processing unit 155: card information D / B

160: Unauthorized condition D / B 165: Storage medium

According to the present invention, when a payment amount is within a predetermined non-payment amount of a small amount, the payment procedure for the payment amount is not real-time transmitted to the payment approval server provided at the card company or the financial company, and is approved (or approved by the bansa company). It relates to a non-authorized micropayment processing method and system for payment processing in the form of)

The electronic payment procedure using a card provided with at least one payment means reads predetermined card information from the card at a payment terminal provided at a predetermined affiliate store and inputs a predetermined payment amount. Generate a payment approval request message including information, payment amount and blind spot information, and transmit it to bansa through a predetermined communication network, and the bansa reads the card information and pays the payment approval provided to the card company or financial company that issued the card. Relaying the full payment approval request message to a server; and then, the payment approval server approves the payment based on card information and payment amount information included in the payment approval request message according to a predetermined payment approval procedure, and the payment is made. Create a payment approval message including payment processing details corresponding to the approval (or payment error) to the bansa When the transmission, the bansa comprises a series of procedures for relaying the payment approval to the payment terminal provided in the merchant.

However, the conventional electronic payment procedure as described above is transmitted to the payment approval server provided in each card company or financial company through a bansa through a predetermined communication network payment approval request generated in the payment terminal, the payment approval server in the payment Since the payment approval procedure for the full text of the approval request is performed, and the payment approval message including the result is generated and received by the payment terminal via the bansa, the time for performing the electronic payment procedure takes several seconds to several tens of seconds. It includes a problem, which causes inconvenience to the electronic payment.

An object of the present invention for solving the above problems, by checking the card company approval micropayment processing history information corresponding to the card information contained in the full payment card or non-authorized micropayment processing request sent from the server, the card The non-authorized micropayment processing method and system for checking whether the amount of the non-authorized micropayment processing amount or the number of times of the card company unauthorized payment for each predetermined period is exceeded, and performing the payment processing corresponding to the preamble of the credit card non-authorized micropayment processing request in response to the verification result. In providing.

The non-approved micropayment processing system according to the present invention includes a storage medium storing card information and credit card unauthorized micropayment processing history information using the card, and receiving a full credit card processing micropayment request from a payment terminal or a server. The information receiving means for extracting the received message, the received text, and extracting card information, payment amount information, and payment merchant (or payment terminal) information, and the storage medium (or storage medium operation means) in connection with the extracted information; Information verification means for checking the card company unauthorized micropayment processing history information corresponding to the card information, and confirming whether or not the card company unauthorized micropayment processing amount limit for the predetermined period of the card is exceeded, and the card company unauthorized micropayment in response to the verification result. Including payment processing means for performing payment processing corresponding to the full payment processing request. Characterized in that eojineun.

On the other hand, the non-authorized micropayment processing system according to the present invention, the storage medium for storing the card information and card company unauthorized micropayment processing history information using the card, and the full payment card request micropayment processing request from the payment terminal or the server Information receiving means for extracting the received text message receiving means, reading the received text message and extracting card information, payment amount information and payment merchant (or payment terminal) information, and associated with the storage medium (or storage medium operation means); And checking the card company unauthorized micropayment processing history information corresponding to the extracted card information, and confirming whether the card company has exceeded the limit of the number of non-authorized micropayment processing by the card company for a predetermined period, and corresponding to the verification result. It includes a payment processing means for performing a payment processing corresponding to the full credit card payment processing unauthorized request card company Characterized in that W is made.

According to the present invention, the unauthorized small payment processing system is characterized in that it further comprises a specialized transmission means for transmitting the payment processing result to the payment terminal or server.

According to the present invention, the non-authorized micropayment processing system further includes information storing means for updating card company unauthorized micropayment processing history information using the card previously stored in the storage medium in response to the payment processing result. Characterized in that made.

According to the present invention, the storage medium, characterized in that for storing a predetermined period (day, month, etc.) of the card company unapproved micropayment processing details using the card.

According to the invention, the information checking means, characterized in that further confirming whether or not the extracted card information is included in the BL (Black List).

On the other hand, the present invention includes a recording medium characterized by recording a program for executing a function of the above-mentioned unauthorized payment processing system constituent means.

On the other hand, the non-authorized micropayment processing method according to the present invention comprises the steps of: receiving a full credit card processing unauthorized payment request request from the payment terminal or the server at the server, by reading the received message at the server card information and payment amount Confirming the information, and performing a payment process corresponding to the credit card unauthorized payment settlement request message on the basis of the confirmed card information and payment amount information at the server; and performing the payment process at the server. It is characterized in that it comprises the step of transmitting to the payment terminal or the server, and storing the payment processing history in a predetermined storage medium.

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

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

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 unauthorized micropayment system configuration for an unauthorized micropayment process according to an exemplary embodiment of the present invention.

In more detail, in Figure 1, when a predetermined payment approval request message (or unauthorized payment request message) is generated in a payment terminal provided in at least one or more affiliate stores and transmitted through a predetermined communication network, the payment approval request message (or draw) Bansa server 100 receives the full payment request request) (or unauthorized payment request) through the card information and / or payment amount included in the payment approval request full text (or unauthorized payment request full text) Full payment) in connection with a payment approval server provided at a card company / financial company corresponding to the card information in real time without processing the payment approval, and the payment is made based on a predetermined disapproval condition in the bansa server 100. As for a system configuration for processing, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 1 Various implementation methods for the configuration of the unauthorized micropayment system for the unauthorized micropayment process may be inferred, but the technical features of the present invention are not limited by the present invention, but include all the inferred implementation methods. It is to be noted that.

The non-authorized micropayment system according to the embodiment of the present invention is provided at a predetermined affiliate store, generates a predetermined payment approval request telegram (or an unauthorized payment request telegram) for the unauthorized micropayment processing, and generates a predetermined communication network. Receives and reads through at least one payment terminal and at least one payment terminal and a payment approval request full text (or unauthorized payment request full text) transmitted from the payment terminal through a predetermined communication network to complete the payment approval request (or unauthorized payment request) Full payment approval request (or unauthorized payment request) based on a predetermined disapproval condition without processing payment approval in real time in connection with the payment approval server provided in the card company / financial company corresponding to the card information included in the It characterized in that it comprises a bansa server 100 for processing the payment corresponding to the.

The payment terminal is characterized in that it comprises at least one CAT (Credit Authorization Terminal) provided in at least one or more affiliated stores, or at least one point of sales (POS) terminal having a payment function, the predetermined payment approval request full text ( Or an unauthorized payment request message) and transmit it through a predetermined communication network.

Referring to FIG. 1, the Bansa server 100 for the unauthorized micropayment processing may include an interface unit for connecting and managing a payment terminal provided in the affiliated store and a communication channel for transmitting and receiving a payment related professional through a predetermined communication network ( 105) characterized by comprising.

The interface unit 105 may include at least one wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, xDSL based communication network) or a wired communication network based on a public switched telephone network (PSTN). At least one or more through a wired communication network, a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one or more IEEE 802.16x based wireless communication networks. Characterized in that the connection terminal and the communication channel for transmitting and receiving payment related professional provided in the merchant, the modem (Modem) or NIC (Network) for connecting the bansa server 100 to a predetermined wired or wireless network in hardware Interface Card), and the bansa server 100 in software to the wired and wireless network. Communication protocols and / or drivers for causing comprises.

Referring to FIG. 1, the Bansa server 100 for the unauthorized micropayment processing may include at least one card information D / B for storing at least one unauthorized micropayment target card information corresponding to the unauthorized micropayment service object. 155 or interworking with a predetermined DB server equipped with the card information D / B 155.

Herein, the unauthorized small payment target card information includes a card issuer identification number corresponding to the unauthorized small payment target card among card numbers included in the card information included in the payment approval request message (or the unauthorized payment request message). It is preferable to include a card number (or a part of the card number) which can identify the card type.

For example, when the card information included in the payment approval request text (or unauthorized payment request text) includes a 16-digit credit card number or a check card number, the unauthorized small payment target card information is one of 16-digit card numbers. Preferably, the card issuer identification number and card type, or the first four digit number (or first six digit number) including the card issuer identification number or the card type are included. It may be confirmed whether the information is included in the unauthorized small payment service.

According to another exemplary embodiment of the present invention, when the unauthorized small payment service is made for all cards, storing of the unauthorized small payment target card information in the card information D / B 155 may be omitted. The present invention is not limited by this.

Referring to FIG. 1, the bansa server 100 for the unauthorized micropayment processing may include at least one BL (Black List) corresponding to card information that cannot provide the unauthorized micropayment service. Store the unauthorized micropayment limit amount information including a limit amount for storing the unauthorized micropayment BL information and / or providing the unauthorized micropayment service through a predetermined unauthorized micropayment target card; And / or an unauthorized condition D / B for storing an unauthorized small settlement number limit information including an unauthorized small settlement number limit for providing the unauthorized small settlement service through a predetermined unauthorized small settlement target card ( 160, or in connection with a DB server provided with the unauthorized condition D / B (160).

Here, the non-authorized micro payment BL information may include a delinquent payment amount based on the previous month / month, when the credit of the customer who received the non-authorized micro payment target card or the credit card for the non-authorized micro payment includes a credit card. If the credit limit is exceeded on the previous day or if the card for which the unauthorized small payment includes a check card / debit card / cash card / financial account, the unauthorized small payment service may be canceled for reasons such as insufficient account balance or account balance lockout. Characterized in that it comprises at least one or more card number that can not be provided, and the unauthorized micropayment BL information of the card information contained in the full payment approval request (or unauthorized payment request) received from the payment terminal; The payment approval request text (or unauthorized payment request text) containing the matched card information may be accepted by the micropayment. Are excluded, it is preferred to conventional billing process in accordance with the electronic payment process.

In addition, the unauthorized micropayment limit amount information includes at least one daily non-payment micropayment limit amount, weekly non-approval micropayment limit amount, and monthly non-authorized micropayment limit amount for the unauthorized micropayment target card. And a daily, weekly or monthly cumulative payment amount of the payment amount included in the payment approval request message (or unauthorized payment request message) received from the payment terminal. In the case of exceeding the above, the payment approval request text (or unauthorized payment request text) exceeding the amount of the unauthorized small payment is excluded from the processing of the unauthorized small payment, and it is preferable to process the payment according to the conventional electronic payment procedure. Do.

In addition, the number of unauthorized micropayment limit information includes at least one daily non-authorized micropayment limit, weekly non-authorized micropayment limit, and monthly non-authorized micropayment limit for the unauthorized micropayment target card. And a daily / weekly / monthly cumulative unauthorized micropayment processing count for the payment approval request full text (or unauthorized payment request full text) received from the payment terminal. If more than, the payment approval request full text (or unauthorized payment request full text) exceeding the number of unauthorized small payments is excluded from the unauthorized payment settlement, and it is preferable to process the payment according to the conventional electronic payment procedure. Do.

Referring to Figure 1, the Bansa server 100 for the unauthorized small payment processing, after the unauthorized small payment processing is normally processed through the payment approval request text (or unauthorized payment request text), the payment Or a storage medium 165 for storing predetermined unauthorized payment details in which card information and payment amount information and merchant information included in the approval request text (or unauthorized payment request text) are processed. 165) characterized in that the connection is made in conjunction with the DB server.

Referring to FIG. 1, the Bansa server 100 for the unauthorized micropayment processing may include a predetermined payment approval request message (or draw) from at least one payment terminal through a predetermined communication network in connection with the interface unit 105. Extract the payment card information, payment amount information and merchant information from the professional receiving unit 110 for receiving a payment request message) and the payment approval request message (or unauthorized payment request message) received through the professional receiving unit 110; Unauthorized micropayment BL stored in the disapproved condition D / B 160 through the card information and the payment amount information extracted from the information extraction unit 115 and the payment approval request text (or unauthorized payment request text) Draw information on the full payment approval request (or unauthorized payment request) by reading the information, and / or the unauthorized small payment amount information, and / or the unauthorized small payment limit information. Provided with a check of museung to determine the payment is 120 characterized in that formed.

The payment terminal provided in at least one affiliated store transmits a predetermined payment card request information (or unauthorized payment request message) including the predetermined card information and payment amount information corresponding to the unauthorized small payment target card and the affiliated store information. In this case, the specialized receiver 110 receives the payment approval request message (or unauthorized payment request message) transmitted from at least one payment terminal through a predetermined communication network in connection with the interface unit 105. The received payment approval request text (or unauthorized payment request text) is provided to the information extracting unit 115.

When the payment approval request message (or unauthorized payment request message) including the predetermined card information, payment amount information, and the merchant information corresponding to the unauthorized small payment target card is received through the specialized reception unit 110, The information extracting unit 115 may extract the card information, payment amount information, and merchant information for the unauthorized micropayment processing from the received payment approval request message (or unauthorized payment request message).

When the card information and the payment amount information are extracted from the payment approval request message (or unauthorized payment request message) through the information extracting unit 115, the unauthorized confirmation unit 120 determines the extracted card information. Extract the comparison target card information (for example, part of the card number) which can be compared with the unauthorized small payment target card information stored in the card information D / B 155, and extract the extracted comparison target card information and the card information D / B. By comparing the unauthorized small payment target card information stored in B (155), it is characterized in that whether the extracted card information is included in the unauthorized small payment target card information.

When the extracted card information includes a 16-digit credit card number or a check card number according to an embodiment of the present invention, the card verification unit includes the card issuer identification number and card type, or the card issuer, among the 16-digit card numbers. Extract the target card information including the first four digits (or the first six digits) including the identification number or the card type, and correspond to the card issuer identification number and card type, or the card issuer identification number or card type. It is preferable to check whether the extracted card information is included in the unauthorized small payment target card by comparing the unauthorized small payment target card information with the comparison target card information.

In addition, the unauthorized confirmation unit 120 is characterized in that to check whether the extracted payment amount information is included in the unauthorized small payment target payment reference amount of the unauthorized small payment processing.

According to the embodiment of the present invention, if the amount of the non-authorized payment settlement target amount is 30,000 won, the unauthorized confirmation unit 120 is the payment amount information extracted from the full payment approval request (or unauthorized payment request) If the amount of payment is less than or equal to the amount of payment for the small amount of payments less than 30,000 won, it is confirmed that the amount of payment is included in the amount of payment for the unauthorized small payments for the processing of the unauthorized small payment, the full text of the payment approval request It is desirable to confirm that unauthorized payment processing (or full text of unauthorized payment request) is possible.

In addition, the unauthorized confirmation unit 120 and the card information extracted from the full payment approval request (or unauthorized payment request full text) and the unauthorized micropayment BL information provided in the unauthorized condition D / B (160) In comparison, characterized in that the check whether the unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text).

According to an embodiment of the present invention, a card corresponding to card information extracted from the payment approval request text (or unauthorized payment request text) and the unauthorized micropayment BL information included in the unauthorized condition D / B 160 are provided. If the information does not match, the unauthorized confirmation unit 120 preferably confirms that the unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text) is possible.

In addition, the unauthorized confirmation unit 120 is linked with the storage medium 165 to store the unauthorized payment details through the card information extracted from the payment approval request full text (or unauthorized payment request full text) Check the at least one daily, weekly or monthly unauthorized payment details corresponding to the information, the payment amount information extracted from the full payment approval request (or the full unauthorized payment request) and included in the confirmed unauthorized payment details Computing the daily cumulative payment amount, the weekly cumulative payment amount, the monthly cumulative payment amount by summing at least one or more payment amount information, wherein the calculated at least one daily, weekly and monthly cumulative payment amount and the disapproval Comparing the daily, weekly and monthly unapproved micropayment limit amount included in the information on the unapproved micropayment limit amount provided in the condition D / B 160, Characterized in that to determine museung the payment is for professional payment authorization request (or specialized museung the payment request).

According to an embodiment of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 160 includes a daily non-approved micropayment limit amount, the unauthorized confirmation unit 120 may In connection with the storage medium 165 storing the unauthorized payment details through card information extracted from the full payment approval request message (or the unauthorized payment request message), the unauthorized payment details corresponding to the current card information are recorded. Calculate the cumulative payment amount based on the current date by adding the payment amount information extracted from the payment approval request message (or the unauthorized payment request message) and at least one payment amount information included in the confirmed unauthorized payment details. And the daily unauthorized micropayment included in the calculated cumulative payment amount based on the current date and the unauthorized micropayment limit amount information included in the disapproved condition D / B 160. It is preferable to compare the limit amount, and if the calculated cumulative payment amount based on the current day is smaller than the daily non-approval limit payment amount, the unauthorized confirmation unit 120 is the full payment approval request (or unauthorized payment) It is desirable to confirm that unauthorized payment processing for the entire request is possible.

In addition, when the non-approved micropayment limit amount information included in the unauthorized condition D / B 160 includes the weekly non-payment micropayment limit amount, the unauthorized confirmation unit 120 is the full payment approval request ( Or confirm the weekly unauthorized payment history for one week based on the current day corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information extracted from the unauthorized payment request message). And accumulate the weekly cumulative payment for one week as of the current day by adding the payment amount information extracted from the full payment approval request text (or the unauthorized payment request text) and at least one payment amount information included in the confirmed unauthorized payment details. Calculate the amount, and the amount of the weekly cumulative settlement amount for the week for the calculated current date and the unauthorized micropayment limit amount provided in the disapproved condition D / B 160 It is preferable to compare the weekly unpaid micropayment limit amount included in the information. If the cumulative weekly payment amount for the week is less than the weekly unpaid micropayment limit amount, the unauthorized confirmation unit 120 ), It is preferable to confirm that unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text) is possible.

In addition, when the non-approved micropayment limit amount information included in the unauthorized condition D / B 160 includes a monthly non-payment micropayment limit amount, the unauthorized confirmation unit 120 is the full payment approval request ( Or confirm the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through card information extracted from the unauthorized payment request message). And accumulate monthly payments for one month as of the current day by summing payment amount information extracted from the payment approval request message (or unauthorized payment request message) and at least one payment amount information included in the confirmed unauthorized payment details. Computing the amount, the amount of the monthly cumulative payment amount and the unapproved micropayment limit information provided in the unauthorized condition D / B 160 for one month on the basis of the calculated current date It is preferable to compare the monthly unpaid micropayment limit amount included, and if the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the unauthorized confirmation unit 120 It is preferable to confirm that unauthorized payment processing for the payment approval request text (or unauthorized payment request text) is possible.

In addition, the unauthorized confirmation unit 120 is linked with the storage medium 165 to store the unauthorized payment details through the card information extracted from the payment approval request full text (or unauthorized payment request full text) Check the at least one daily / weekly / monthly unauthorized payment history corresponding to the information, and count the counted daily / weekly / monthly unauthorized payment details to accumulate the daily accumulated unauthorized payment corresponding to the card information. And counting the number of times of processing, the amount of micropayments for the weekly cumulative disapproval, and the number of times of the micropayments for the monthly cumulative disapproval. The approval of the payment by comparing the daily / weekly / monthly unapproved micropayment limit included in the condition D / B 160 with the unapproved micropayment limit included in the information. It is characterized by checking whether or not the unauthorized payment processing for the full text (or unauthorized payment request full text).

According to an exemplary embodiment of the present invention, when the unapproved micropayment limit information provided in the unauthorized condition D / B 160 includes a daily non-approved micropayment limit, the unauthorized confirmation unit 120 may determine the In connection with the storage medium 165 storing the unauthorized payment details through card information extracted from the full payment approval request message (or the unauthorized payment request message), the unauthorized payment details corresponding to the current card information are recorded. Confirming and counting the identified unauthorized payment details to calculate the cumulative unauthorized micropayment processing count as of the current day, and calculating the cumulative unauthorized micropayment processing count as of the current date and the unauthorized condition D / B (160). ), It is preferable to compare the daily non-authorized micropayment limit included in the information on the number of non-authorized micropayments included in the information. If the number of the daily museung of less than micropayments count limit, the museung confirmation unit 120 is preferred to determine as being the museung the payment processing for the payment authorization request specialized (or museung professional payment request).

In addition, when the number of unapproved micropayments included in the unauthorized condition D / B 160 includes the number of unapproved micropayments per week, the unauthorized confirmation unit 120 may request the full payment approval request ( Or confirm the weekly unauthorized payment history for one week based on the current day corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information extracted from the unauthorized payment request message). And counting the previously confirmed unpaid payment details to calculate the number of weekly unpaid micropayments for the current week, and the number of weekly unpaid micropayments for the current week and the draw It is preferable to compare the number of unapproved micropayments per week included in the information on the number of unapproved micropayments provided in the condition D / B 160. If the accumulated weekly unacceptable micropayment is less than the weekly unacceptable micropayment limit for one week, the disapproval check unit 120 draws a draw against the full payment approval request (or unauthorized full payment request). It is desirable to confirm that the payment processing is possible.

In addition, when the unauthorized small payment number limit information provided in the unauthorized condition D / B (160) includes a monthly unauthorized small payment number limit, the unauthorized confirmation unit 120 is the full payment approval request ( Or confirm the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through card information extracted from the unauthorized payment request message). And counting the confirmed unpaid payment details to calculate monthly cumulative unpaid micropayment processing counts for one month as of the current day, and monthly cumulative unauthorized micropayment processing counts for the current month and the unapproved bills. It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments included in the condition D / B 160, and the calculated current date If the monthly cumulative unauthorized micropayment processing count is less than the monthly unauthorized micropayment limit for one month, the unauthorized confirmation unit 120 disapproves the full payment approval request (or unauthorized payment request). It is desirable to confirm that payment processing is possible.

Referring to FIG. 1, the Bansa server 100 for the unauthorized micropayment processing may receive an unauthorized payment for the full text of the payment approval request (or the full text of the unauthorized payment request) as a result of the confirmation of the unauthorized confirmation unit 120. When it is confirmed that the processing is possible, the payment processing for the payment approval request text (or unauthorized payment request text) is processed as virtually approved to generate an unauthorized payment history including the card information, payment amount information and merchant information. And an information processing unit 130 for storing the unauthorized processing unit 125 and the unauthorized payment details in the storage medium 165, and the confirmation result of the unauthorized confirmation unit 120. If it is not confirmed that unauthorized payment processing for the payment approval request full text (or unauthorized payment request text) is possible, the full text of the payment approval request text (or the full text of the unauthorized payment request) To send a predetermined payment authorization server corresponding to the group information includes a card payment approval processor 145 that performs payment approval process is characterized in that formed.

When it is confirmed that the unauthorized payment processing for the payment approval request full text (or the unauthorized payment request full text) is possible, the unauthorized processing unit 125 completes the payment approval request full text (or Characterized in that for generating an unauthorized payment history including the card information, payment amount information and merchant information extracted from the unauthorized payment request), the information storage unit 130 is included in the unauthorized payment The card information, payment amount information, and affiliated store information may be stored in the storage medium 165 by linkage processing.

According to the method of the present invention, the unauthorized processing unit 125 generates a predetermined unauthorized code (or temporary authorization code) (not shown) corresponding to the unauthorized processing, and the card information and payment amount information and Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including merchant information, and the information storage unit 130 is included in the unauthorized payment details. The unauthorized information (or unauthorized approval code) (not shown) may be further linked to the card information, payment amount information, and merchant information, and stored in the storage medium 165.

In addition, the unauthorized processing unit 125 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and includes the unauthorized payment details including the card information, payment amount information, and merchant information. Preferably, the generated unauthorized payment date and time information (not shown) is further included, and the information storage unit 130 is disapproved for the card information, payment amount information, and merchant information included in the unauthorized payment details. The payment date information (not shown) may be further stored in the storage medium 165 by linkage processing.

In addition, the unauthorized processing unit 125 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and the card information, payment amount information, and merchant information. It is preferable to further include the generated card company information (or payment approval server information) (not shown) in the unauthorized payment details including, the information storage unit 130 is the card included in the unauthorized payment details The card company information (or payment approval server information) (not shown) may be further stored in the storage medium 165 in association with the information, payment amount information and merchant information.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, but the present invention includes all the information configuration inferred It is characterized by.

If it is confirmed that the unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text) is possible, the payment approval processing unit 145 performs the payment approval request text. (Or a full text of an unauthorized payment request) to a predetermined payment approval server corresponding to the card information, so that the payment approval server receives the payment amount through the payment means corresponding to the card information according to a conventional electronic payment procedure. Characterized in that the payment approval procedure is performed.

If the person having ordinary knowledge in the technical field to which the present invention belongs, the payment approval processing unit 145 transmits the payment approval request message (or unauthorized payment request message) to a predetermined payment approval server corresponding to the card information. By doing so, the payment approval server will be familiar with the technical features of performing the payment approval procedure for the payment amount according to the conventional electronic payment procedure, a detailed description thereof will be omitted for convenience.

Referring to FIG. 1, when the unauthorized payment details are generated by the unauthorized processing unit 125, the bansa server 100 for the unauthorized small payment processing may request the payment approval request from the unauthorized payment details. The full text generation unit 135 generating a predetermined payment processing full text including the payment processing history by considering the payment processing history for the full text (or the unauthorized payment request full text) and the interface unit 105 in conjunction with the Characterized in that it comprises a specialized transmission unit 140 for transmitting the generated payment processing full text to the payment terminal.

When the predetermined unauthorized payment details are generated by the unauthorized processing unit 125, the full text generation unit 135 displays the unauthorized payment details generated by the unauthorized processing unit 125 in the full payment approval request message (or The payment processing history for the unauthorized payment request message), and generates a predetermined payment processing message including the payment processing history.

On the other hand, if it is confirmed that the unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text) is not possible, the full text generation unit 135 is approved. Characterized by the verification unit 120, characterized in that for generating a predetermined payment processing text including the details of the unauthorized payment error.

When a predetermined payment processing text is generated by the text generation unit 135, the text transmission unit 140 connects the generated payment processing text to the payment terminal through the communication network in association with the interface unit 105. The payment terminal receiving the payment processing message may include a screen output and / or a printout of the payment processing details included in the payment processing message.

Referring to FIG. 1, the bansa server 100 for the unauthorized micropayment processing generates a predetermined unauthorized payment details by the unauthorized processing unit 125 and the information storage unit 130. After the unauthorized payment details are stored in the storage medium 165, at least one unauthorized payment history stored in the storage medium 165 is periodically processed as payment approval request information to the card information through a predetermined communication means. It is characterized in that it comprises a post-approval processing unit 150 for performing a post-approval process by transmitting to the payment approval server provided in the corresponding card company / financial company.

After the predetermined unauthorized payment details are generated by the unauthorized processing unit 125, the unauthorized payment details are stored in the storage medium 165 by the information storage unit 130, and then the post-approved processing unit 150 is provided. ) Periodically extracts at least one or more unauthorized payment details that have not performed a post-approval procedure through a predetermined payment approval server among at least one or more unauthorized payment details stored in the storage medium 165, and extracts at least one The unauthorized payment details may be processed as predetermined payment approval request information that can be transmitted from the bansa server 100 to a payment approval server provided at a card company / financial company corresponding to the card information.

Subsequently, the post-approval processing unit 150 transmits payment approval request information including at least one or more unauthorized payment details to predetermined communication means (eg, the bansa server 100 and the payment approval server provided at each card company / financial company). Dedicated communication network for communication connection) characterized in that the transmission to the payment approval server provided in the card company / financial company corresponding to the card information.

According to the exemplary embodiment of the present invention, the post-approval processing unit 150 classifies at least one or more unauthorized payment details extracted from the storage medium 165 for each card company / financial company based on the card information, and selects a specific card company / Generates predetermined payment approval request information including at least one unauthorized payment details corresponding to a financial company, and transfers the generated payment approval request information to predetermined communication means (for example, the bansa server 100 and each card company / financial company). Dedicated communication network for connecting the payment approval server provided in the communication) to the payment approval server corresponding to the card company / financial company is preferably post-approval processing.

After the post-approval of the at least one unauthorized payment details included in the payment approval request information is processed by the payment approval server, the payment approval server performs the respective post-approval processing results on at least one unauthorized payment history. And generating predetermined payment approval information including the generated at least one post-approval processing result and transmitting the generated payment approval information to the bansa server 100.

When predetermined payment approval information including at least one post-approval processing result is received from the payment approval server, the information storage unit 130 stores each post-approval processing result included in the payment approval information in the storage medium ( In addition to the unauthorized payment history stored in (165) (or the card information included in the unauthorized payment history) characterized in that the storage.

2 is a diagram illustrating a functional configuration of a payment terminal 200 having an unauthorized small payment function according to an embodiment of the present invention.

In more detail, Figure 2 is provided with a micropayment mode in which the payment terminal 200 on the unauthorized micropayment system shown in FIG. 1 generates a predetermined unauthorized payment request message and transmits it to the bansa server 100. In the case of the payment terminal 200, as an embodiment of the functional configuration of the payment terminal 200 having the micro payment mode, if one of ordinary skill in the art to which the present invention belongs, By referring to and / or modified to infer the various payment terminal 200 functional configuration for the unauthorized micropayment service, the technical features of the present invention is not limited by this Figure 2, all inferred implementation Note that it includes the method.

For example, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to generate a full payment approval request for a conventional electronic payment process and transmit the same to the bansa server 100. The functional configuration of the payment terminal 200 may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

According to another embodiment of the present invention, the payment terminal 200 may be a conventional payment terminal 200 for generating a predetermined payment approval request message in accordance with a conventional electronic payment procedure and transmitting it to the bansa server 100. Thereby, this invention is not limited.

Referring to FIG. 2, a payment terminal 200 having a micro payment mode for an unauthorized micro payment service basically includes a control unit 205, a memory unit 250, a card reader unit 210, and a key input unit 220. And a screen output unit 215, a communication processor 230, a security application module 235, a print output unit 240, and a power supply unit 225 for supplying power to the payment terminal 200. And at least one or more terminal functional units (not shown) according to the intention of the skilled person.

The control unit 205 controls the overall operation of the payment terminal 200 in the functional configuration, manages the flow of information or data between each component, at least provided in the payment terminal 200 for unauthorized micropayment processing. At least one processor and an execution memory (eg, a register and / or a RAM) including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Random Access Memory)) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium to the execution memory in order to perform a function specific to the payment terminal 200 by software. Contains program routines and / or program data that are loaded and computed by the processor (hence, no The control unit is a predetermined program recorded on a recording medium provided in the payment terminal 200 and / or a functional configuration provided in the payment terminal 200 for processing the micropayment. And (205) provided).

According to the exemplary embodiment of the present invention, the control unit 205 outputs a component (eg, the memory unit 250, the card reader unit 210, the key input unit 220, and a screen) provided in the payment terminal 200. The payment terminal 200 is interworked with the communication unit 230, the communication processing unit 230, the security application module 235 and the print output unit 240 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art. Control and manage the provision of the electronic payment service defined in the), as well as mutually control the components provided in the payment terminal 200 for the unauthorized micropayment service according to the present invention, and / or It is preferable to execute a program recorded on a recording medium provided in the payment terminal 200 for the unauthorized payment service.

The memory unit 250 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 200 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 program data required for the control unit 205 to perform a predetermined control function (for example, data input or output for the program routine to perform a predetermined function) ) Is stored.

According to the exemplary embodiment of the present invention, the memory unit 250 may store at least one or more unauthorized small payment target card information corresponding to the unauthorized small payment service object.

Here, the unauthorized small payment target card information may include a card issuer identification number corresponding to the unauthorized small payment target card among card numbers included in the card information read from at least one card through the card reader unit 210. It is preferable to include a card number (or a part of the card number) which can identify the card type.

For example, when the card information read from the at least one card through the card reader unit 210 includes a 16-digit credit card number or a check card number, the unauthorized small payment target card information is the 16-digit card number. Preferably, the card issuer identification number and card type, or the first four digit number (or first six digit number) including the card issuer identification number or the card type are included. It can be checked whether the read card information is included in the unauthorized small payment service.

According to another exemplary embodiment of the present invention, when the unauthorized small payment service is made for all cards, storing of the unauthorized small payment target card information in the memory unit 250 may be omitted. This is not limited.

In addition, the memory unit 250 when the unauthorized payment request message (or payment approval request message) including the predetermined unauthorized small payment target card information corresponding to the unauthorized small payment service object is generated, the communication It is preferable that the processor 230 stores bansa server 100 information to transmit the unauthorized payment request message (or payment approval request message) through a predetermined communication network.

Here, the Bansa server 100 receiving the unauthorized payment request full text (or payment approval request full text) including the unauthorized small payment target card information receives a conventional payment approval request full text in addition to the post approval-based unauthorized small payment. And it is preferable that the bansa to be treated and other unauthorized small payment bansa provided.

According to another exemplary embodiment of the present invention, the bansa server 100 that receives the unauthorized payment request message (or payment approval request message) including the unauthorized small payment target card information may be added to the non-approved small payment after the post approval. It is possible to be provided in the bansa, such as bansa for receiving and processing the conventional payment approval request full text, or provided with the unauthorized small payment function in the bansa server 100 for receiving and processing the conventional payment approval request full text, Thereby, this invention is not limited.

The customer who receives the unauthorized payment service according to the present invention through the payment terminal 200 contacts the MS (Magnetic Stripe) card and / or the ISO / IEC 7816 standard based on the ISO / IEC 7810 standard. A card reader (or wireless IC chip) and / or a card including at least one contactless IC card (or wireless IC chip) based on an ISO / IEC 14443 standard, wherein the card reader unit 210 is characterized in that to provide an interface for reading at least one or more information or data provided in the card.

According to the method of the present invention, the card reader unit 210 is an MS reader unit for providing an interface between the MS card and the payment terminal 200, and / or the contact IC card and the payment terminal 200. And at least one contact IC reader unit for providing an interface and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 200.

The MS reader unit is a card reader unit 210 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. The card information corresponding to the predetermined payment means information is interfaced to the payment terminal 200 from at least one or more tracks provided in the MS of the MS card.

The contact IC reader unit is a card reader unit 210 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 payment means information from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) Corresponding card information is characterized in that the interface to the payment terminal 200.

The contactless IC reader unit is a card reader unit 210 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 comprises at least one antenna, and supplies power to the IC chip of the IC card through the antenna, and corresponding to the predetermined payment means information from the IC chip through the half-duplex transaction using the APDU Characterized by interfacing the card information to the payment terminal 200.

According to an embodiment of the present invention, the card reader unit 210 may provide predetermined payment means information (eg, credit provided on the card) from at least one or more cards for the conventional electronic payment service defined in the payment terminal 200. It is preferable to read the card information corresponding to the card information, check card information, debit card information, cash card information, payment method information including at least one or more of the financial account information), and also the unauthorized small payment service according to the present invention. Predetermined payment means information (e.g., credit card information, check card information, debit card information, cash card information, financial account information provided on the card) from at least one or more cards for the unauthorized small payment target card information It is preferable to read the card information corresponding to the at least one payment means information).

According to the exemplary embodiment of the present invention, the card information read through the card reader 210 may include predetermined card-based payment means information (for example, credit card information, check card information, debit card information, and cash card provided on the card). It is preferable to include a card number corresponding to the information) or to include an account number corresponding to the account-based payment means information (for example, financial account information provided on the card), the card number (or account number) ) Preferably includes a number identifying the card issuer and / or card type.

In addition, the card information read through the card reader unit 210 further includes information on an expiration date (for example, partial debit card information, cash card information, and financial account information) for predetermined card-based payment means information. It is preferable to comprise.

The key input unit 220 is provided with at least one key button including at least one number key and / or character key and / or function key. Detects information (or a signal) inputted from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal 200 controlled by the controller 205. 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 205. The control unit 205 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 200, and / or is defined in accordance with the key event. Characterized in that for obtaining a command to execute the function. The key input unit 220 and the key input device having at least one key button interoperate with each other to perform a function of a key input unit provided in the payment terminal 200.

The key input device interoperating with the key input unit 220 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 at least one numeric key and a function key in conjunction with the screen output means, and / or 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 220 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one key input device for the electronic payment service defined in the payment terminal 200. Etc.) and at least one or more key data required in the process of providing the unauthorized micropayment service from the key input device for the unauthorized micropayment service according to the present invention. It is preferable to perform the function of the key input means for receiving the input.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 220 may be a non-authorized micropayment service according to the present invention in an initial mode and / or a general payment mode of an operation mode of the payment terminal 200. It is desirable to have a key button for switching to the micro payment mode for.

The screen output unit 215 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 205 in the process of the payment terminal 200 performs a predetermined function (eg, electronic payment processing function) And at least one or more information or data which is predefined or defined in real time to be output to a predetermined display output device including a Ray Tube) through a predefined interface screen, wherein the screen output unit 215 And the screen output device interoperate with each other to perform the function of the screen output means provided in the payment terminal 200.

Predefined information or data to be output from the payment terminal 200 to the screen output device, the key data input through the key input unit 220, and / or the components provided in the payment terminal 200 Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 230, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 200. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 215 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 200 It is preferable to perform the function of the output means, and also the function of the screen output means for outputting the processing screen corresponding to the step of providing the unauthorized small payment service to the screen output device for the unauthorized small payment service according to the present invention. It is preferable to carry out.

The communication processor 230 includes at least one bansa server 100 provided in at least one bansa through a predetermined communication network in the process of the payment terminal 200 performing a predetermined function (for example, an electronic payment processing function). ) And a communication channel for transmitting / receiving specialized payments or connecting a communication session for transmitting / receiving information (or data) with a predetermined terminal (or device).

Referring to FIG. 2, the communication processor 230 includes a network communication unit for connecting a communication channel for transmitting and receiving payment-related professional communication with at least one bansa server 100 provided in at least one or more bansa through a predetermined communication network. And / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or through a predetermined short distance wireless communication means. It includes a short range wireless communication unit for connecting a predetermined communication session with a short range communication terminal (or device) device, and includes a communication protocol and / or a driver for connecting the communication channel (or communication session) by software. Is done.

The network communication unit includes a wired communication network including at least one of a transmission control protocol / Internet protocol (TCP / IP) based wired communication network (eg, xDSL based communication network) or a PSTN based wired communication network, The bansa server 100 through a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one or more IEEE 802.16x based wireless communication networks. And a communication channel for transmitting and receiving payment-related professional transmission, and including a modem or a network interface card (NIC) for connecting the payment terminal 200 to a predetermined wired / wireless network in hardware. Communication protocol for accessing the payment terminal 200 to the wired / wireless network by software. And / or a driver.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

In this case, the terminal (or device) to which the cable communication session is connected through the cable communication unit includes a predetermined barcode reader or a radio frequency identification (RFID) reader when the payment terminal 200 is a credit authorization terminal (CAT). It includes a point of sales (POS) terminal, or when the payment terminal 200 is a POS terminal with a payment function, it is preferable to include a predetermined barcode reader or RFID reader.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (235) is a confidentiality and / or authentication required by the payment terminal 200 in the process of performing the electronic payment and / or electronic payment using the card. Security and security requirements, including integrity and / or nonrepudiation, etc., in a secure and reliable structure within the payment terminal 200 without using an authentication server on a communication network. An apparatus, wherein the payment terminal 200 encrypts or decrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (e.g., electronic payment and / or electronic payment function). Adding an authenticator that prevents forgery (or tampering) of the data, or storing important information in the process of performing the security request function. It is characterized by.

In general, the security application module 235 is preferably composed of a predetermined security application module 235 inserter and a security application module 235 chip, the security application module 235 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 235 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 200 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 240 may process the payment terminal 200 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data generated as a result (for example, payment processing result information or Data) to a predetermined printing device 245 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 245 in accordance with a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 2, the payment terminal 200 reads predetermined card information through the card reader 210 to provide an unauthorized micropayment service according to the present invention. A card check unit 255 for comparing the card information stored in the unauthorized small payment target card information with the card information read through the card reader 210 to be included in the unauthorized small payment target card information stored in the card reader unit 210; A predetermined payment amount is input from a predetermined key input means through the key input unit 220 or a predetermined payment amount is input from at least one terminal (or device) through the cable communication unit and / or the short range wireless communication unit. When the payment amount is included in the payment amount of the non-authorized micro payment, the amount checking unit 260 and the card checking unit 255 and / or the amount checking unit 260 Set (or switch) the payment mode of the payment terminal 200 to the small payment mode for the unauthorized small payment processing or set the payment mode to the electronic payment mode for the conventional electronic payment processing according to the confirmation result ( Or a mode setting unit 265 for converting), wherein the payment mode is an actual operation mode of the payment terminal 200 or the card information and / or payment amount confirmation. It comprises at least one virtual operation mode that defines the payment function of the payment terminal 200.

When predetermined card information is read through the card reader 210, the card checker 255 is a small amount of unauthorized information stored in the memory 250 among the card information read through the card reader 210. By extracting the comparison target card information (for example, a part of the card number) that can be compared with the payment target card information, and comparing the extracted comparison target card information and the unauthorized small payment target card information stored in the memory unit 250 The card information read through the card reader 210 may be included in an unauthorized micropayment target card.

When the card information read through the card reader unit 210 includes a 16-digit credit card number or a check card number according to an embodiment of the present invention, the card check unit 255 is the 16-digit card number. Extract card information including card issuer identification number and card type, or the first four digit number (or first six digit number) including card issuer identification number or card type, and extract the card issuer identification number and card type. Or by comparing the card information issued through the card reader unit 210 with the non-authorized micro payment target card information corresponding to the card issuer identification number or the card type. It is desirable to check if it is included.

A predetermined payment amount is input from a predetermined key input unit through the key input unit 220, or at least one barcode reader or RFID reader (or at least one barcode reader or through the cable communication unit and / or the short range wireless communication unit). When a predetermined payment amount is inputted from the POS terminal having an RFID reader), the amount checking unit 260 checks whether the payment amount is included in an unauthorized small payment target payment reference amount for the unauthorized small payment processing. It is characterized by.

According to an embodiment of the present invention, if the amount of the non-authorized micro payment target payment amount is 30,000 won, the amount confirming unit 260 determines that the predetermined payment amount input from the predetermined key input unit through the key input unit 220 is determined. If the amount is less than or equal to 30,000 won, which is the amount of payment for unauthorized payment, the amount is less than 30,000 won. It is preferable to confirm that it is not included in the amount of the payment threshold for unauthorized payment for the unauthorized small payment.

Alternatively, the amount confirmation unit 260 is a predetermined input from at least one barcode reader or RFID reader (or POS terminal having at least one barcode reader or RFID reader) through the cable communication unit and / or short-range wireless communication unit. If the amount of payment is less than or equal to the amount of the unauthorized small payment target payment amount of 30,000 won, it is confirmed that the amount of payment is included in the amount of the unauthorized small payment object for the unauthorized small payment processing, If it is larger than the won, it is preferable to confirm that it is not included in the amount of the payment standard for the unauthorized small payment for the unauthorized small payment processing.

If the card check unit 255 confirms that the card information read through the card reader unit 210 is included in the unauthorized small payment target card, the mode setting unit 265 performs the payment terminal ( And setting (or converting) the payment mode of 200 to the small payment mode for the unauthorized small payment processing, and if it is confirmed that the card information is not included in the unauthorized small payment target card, the payment is made. Set (or switch) the payment mode of the terminal 200 to the electronic payment mode for the conventional electronic payment processing.

Alternatively, at least one bar code reader or RFID through the cable communication unit and / or the short range wireless communication unit, or a payment amount input from a predetermined key input unit through the key input unit 220 as a result of the check by the amount confirmation unit 260. If it is confirmed that the payment amount input from the reader (or the POS terminal having at least one barcode reader or RFID reader) is included in the unauthorized payment amount, the mode setting unit 265 is the payment terminal. Set (or switch) the payment mode of 200 to the small payment mode for the unauthorized small payment processing, and confirm that the payment amount is not included in the payment threshold amount for the unauthorized small payment. When the payment mode of the payment terminal 200 is set (or switched) to the electronic payment mode for the conventional electronic payment processing It shall be.

Alternatively, as a result of the card checking unit 255, the card information read through the card reader unit 210 is included in the unauthorized small payment target card, and the key input unit confirms the result of the amount confirmation unit 260. A payment amount input from a predetermined key input means through 220 or a POS having at least one barcode reader or RFID reader (or at least one barcode reader or RFID reader) through the cable communication unit and / or the short range wireless communication unit. When it is confirmed that the payment amount input from the terminal) is included in the payment threshold amount of the unauthorized payment, the mode setting unit 265 sets the payment mode of the payment terminal 200 for the unauthorized payment. Set (or switch) to the small payment mode, otherwise the payment mode of the payment terminal 200 for the conventional electronic payment processing It characterized in that it is set to the electronic payment mode (or switched).

Referring to Figure 2, the payment terminal 200 by the mode setting unit 265, the payment mode of the payment terminal 200 by the mode setting unit to provide an unauthorized small payment service according to the present invention. When set (or switched) to the micropayment mode for payment processing, a full text generation unit 270 for generating an unauthorized payment request text (or payment approval request text) for the unauthorized micropayment processing, and the generated Specialized transmission unit 275 for transmitting the unauthorized payment request message (or full payment approval request) to the bansa server 100 on the communication network through the communication processing unit 230, and the communication network through the communication processing unit 230 Receives the payment approval message including the payment processing history corresponding to the payment approval request full text from the Bansa server 100 on the screen, and displays the payment processing details included in the payment approval message through the screen output unit 215 To, and / or formed by having a specialized processor 280 for printing output by the print output section 240 is characterized.

When the payment mode of the payment terminal 200 is set (or switched) to the small payment mode for the unauthorized small payment processing by the mode setting unit 265, the full text generation unit 270 is the card reader unit. Card information read through 210, a payment amount input from a predetermined key input means through the key input unit 220, or at least one barcode reader or RFID reader through the cable communication unit and / or the short range wireless communication unit. (Or a POS terminal having at least one barcode reader or RFID reader) and an unauthorized payment request including at least one payment amount input from at least one merchant information (eg, CAT_ID information) provided with the payment terminal 200. Full text (or payment approval request full text) is generated, and the generated unauthorized payment request text (or payment approval request full text) to the specialized transmission unit 275 And balls.

According to an exemplary embodiment of the present invention, the full text generation unit 270 reads the card information read through the card reader unit 210 and the key input unit as shown in FIG. 3 for the unauthorized micropayment processing. A payment amount input from a predetermined key input means through 220 or a POS having at least one barcode reader or RFID reader (or at least one barcode reader or RFID reader) through the cable communication unit and / or the short range wireless communication unit. It is preferable to generate an unauthorized payment request message that includes at least one payment amount input from the terminal), and at least one merchant information (eg, CAT_ID information) provided with the payment terminal 200, the unauthorized payment request message Is preferably transmitted to the bansa server 100 on the communication network for providing the unauthorized small payment service through the professional transmission unit 275.

According to another exemplary embodiment of the present invention, the full text generation unit 270 generates a conventional payment approval request full text for the unapproved micropayment processing, and the full text approval approval request is generated through the full text transmission unit 275. It is preferable to be transmitted to the bansa server 100 on the communication network for providing the unauthorized micropayment service.

The specialized transmission unit 275 provides the unauthorized small payment service through the communication processing unit 230 with the unauthorized payment request full text (or payment approval request full text) generated by the professional generation unit 270. Characterized in that the transmission to the bansa server 100 on the communication network.

According to the implementation method of the present invention, when the unauthorized payment request message (or payment approval request message) is generated for the unauthorized micropayment processing by the expert generation unit 270, the expert transmission unit 275 Extracting the bansa server 100 information corresponding to the bansa server 100 from the memory unit 250, the bansa server on the communication network corresponding to the bansa server 100 information through the communication processing unit 230 ( 100) it is preferable to transmit the unauthorized payment request full text (or payment approval request full text).

Here, the bansa server 100 is made, including the server provided in the unauthorized small payment dedicated bansa to perform the unauthorized small payment procedure for providing the unauthorized small payment service, or the unauthorized in the conventional bansa It is preferred to include a server provided to provide a micropayment service, or a bansa server 100 having the above-mentioned micropayment processing function in the conventional bansa.

According to an embodiment of the present invention, the unauthorized payment request full text (or payment approval request full text) is received by the bansa server 100 through the communication network, and then used to perform the unauthorized micropayment procedure according to the present invention. Thereafter, the bansa server 100 generates a predetermined payment processing full text including a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the unauthorized payment processing result and the communication network. Through the transmission to the payment terminal 200.

After the unauthorized payment request full text (or payment approval request full text) is transmitted to the bansa server 100 through the professional transmission unit 275, the professional processing unit 280 transmits the data through the communication processing unit 230. Whether the payment processing message including the payment processing history corresponding to the unauthorized payment request message (or payment approval request message) is received from the bansa server 100 on the communication network periodically (or a professional reception event of the communication processor 230). In response to).

If a payment processing message including a payment processing history corresponding to the unauthorized payment request message (or payment approval request message) is received through the communication processing unit 230, the specialty processing unit 280 may contact the payment processing message. It is characterized in that the screen output through the screen output unit 215, and / or through the print output unit 240 outputs the included payment processing details (eg, payment approval details, or payment error details) Thus, the unauthorized micropayment procedure for the unauthorized micropayment service is completed.

3 is a diagram illustrating an unauthorized payment request specialized structure for the unauthorized small payment processing according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates the micro payment mode when the payment terminal 200 on the unauthorized payment system shown in FIG. 1 is a payment terminal 200 having the micro payment mode shown in FIG. Is for the unauthorized payment request professional structure generated for the unauthorized small payment processing in the payment terminal 200 equipped with, specifically, the card information read from the customer card in the payment terminal 200 shown in FIG. If includes the credit card information, it is for the unauthorized payment request full-text structure created for the unauthorized micropayment processing based on the credit card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3, and each card information (for example, check card information, debit card information, prepaid card information, etc.) as intended by those skilled in the art. In response to this, various unauthorized payment request specialized structures for the unauthorized micropayment process may be inferred, but the present invention includes all the implementation methods inferred above, and this unauthorized payment request specialized structure is illustrated in FIG. It is by no means limited to.

Referring to FIG. 3, the unauthorized payment request full-text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And after the terminating character, further comprising a checksum (CRC-CCITT) for the specialized information.

The full text of the unauthorized payment request is divided into transaction classification items related to the credit card payment (for example, a non-authorized non-authorized micro payment request, a non-authorized non-authorized micro payment cancellation, etc.) and a payment terminal 200 shown in FIG. A corresponding Terminal_ID item, a POS Entry Mode item, and a TRACK II Data item corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal 200 (eg, the TRACK II of the MS card). Credit card information obtained from a Primary Account Number (PAN) area and Additional Data (AD) and / or Discretionary Data (DD) areas, or credit card information obtained from a credit card file of an IC card). After the file separator of FS (File Separator, 0X1C), it includes the installment month item, the total amount item, and the service fee item. De items and documents made, including the serial number items.

Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each item included in the unauthorized payment request based on the contents shown in FIG. Detailed description will be omitted.

4 is a diagram illustrating an operation process of a payment terminal 200 for an unauthorized micropayment process according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates the micropayment mode when the payment terminal 200 on the unauthorized micropayment system shown in FIG. 1 is a payment terminal 200 having the micropayment mode shown in FIG. In the payment terminal 200 equipped with a non-approved (or post-approval, or batch approval, or batch approval) for the process of providing a high-speed unapproved micropayment service through the professional processing, in the technical field to which the present invention belongs Those skilled in the art will be able to infer various operation processes of the payment terminal 200 for the unauthorized micropayment service by referring to and / or modifying the drawing 4, but the present invention provides all the inferred implementations. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 4, the payment terminal 200 shown in FIG. 2 reads predetermined card information through a predetermined card reader, and uses predetermined key input means (or barcode reader or RFID reader). In the case of inputting the payment amount, in the reading of the card information, the card information is included in the unauthorized small payment target card information, and in the payment amount input step, the payment amount includes the unauthorized small payment reference amount. Although the method of the present invention is not limited thereto, the order of the card information reading step and the payment amount input step is changed, or the unauthorized small payment target card information is executed. It is possible for both the verification and the unauthorized payment settlement amount verification process to be carried out in an integrated manner. Shall not.

Hereinafter, in FIG. 4, the payment terminal 200 shown in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 4, the terminal shown in FIG. 2 receives predetermined card information from a predetermined customer card through a predetermined card reader (e.g., an MS card reader, a contact IC card reader, or a contactless IC card reader). Check if the reading (400).

If predetermined card information is read through the card reader (405), the terminal reads the read card information and includes the unauthorized small payment target card information for the unauthorized small payment processing. Check if it is made (410).

According to the exemplary embodiment of the present invention, when predetermined card information is read through a predetermined card reader provided in the terminal, the terminal may be disapproved of the card information read through the card reader in the memory unit 250. Extract the comparison target card information (for example, a part of the card number) that can be compared with the small payment target card information, and compare the extracted comparison target card information with the unauthorized small payment target card information stored in the memory unit 250. Thus, it is preferable to check whether the card information read through the card reader is included in the unauthorized small payment target card information.

For example, when the card information read through the card reader includes a 16-digit credit card number or a check card number, the terminal identifies the card issuer identification number and card type or the card issuer identification among the 16-digit card numbers. Extracts the target card information including the first four digits (or first six digits) including the number or the card type, and corresponds to the card issuer identification number and card type or the card issuer identification number or card type. It is preferable to check whether the card information read through the card reader is included in the unauthorized small settlement target card information by comparing the unauthorized small settlement target card information with the comparison target card information.

If the checked card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (415), the terminal sets the payment mode for the card information to the conventional electronic payment mode. (Or switching) 420, and confirms whether a predetermined payment amount is input through a predetermined key input means (or barcode reader or RFID reader) provided in the terminal (425). In step 430, the terminal generates a predetermined payment approval request message including the card information, payment amount information, and merchant information (460), and the generated payment approval request message is a conventional electronic payment procedure through a predetermined communication network. The transfer to the bansa server 100 performs (465).

Those skilled in the art to which the present invention pertains, knowing the technical features of performing the conventional electronic payment process through the full payment approval request in the Bansa server 100 received the full payment approval request Since there will be, a detailed description thereof will be omitted for convenience.

On the other hand, if the read card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (415), the terminal receives a predetermined key input means (or barcode reader or RFID reader). If the payment amount is input (440), if the payment amount is input (440), the terminal reads the input payment amount to determine whether the payment amount includes the unauthorized small payment reference amount (445).

According to the embodiment of the present invention, if the amount of the non-authorized micro payment target amount is 30,000 won, the terminal determines that the predetermined amount of money input from the key input means (or barcode reader or RFID reader) is the non-authorized micro payment target payment. If it is less than or equal to the standard amount of 30,000 won, it is confirmed that the payment amount is included in the payment threshold amount for unauthorized small settlement for the unauthorized small settlement processing, and if it is larger than the 30,000 won, the unauthorized small settlement processing It is desirable to confirm that it does not fall within the amount of the payment threshold for unauthorized payment.

If the input payment amount does not include an unauthorized small payment reference amount (450), the terminal sets (or switches) the payment mode for the card information and / or payment amount to the conventional electronic payment mode ( 455) generates a predetermined payment approval request message including the card information, payment amount information, and merchant information (460); and the generated payment approval request message is a bansa that performs a conventional electronic payment procedure through a predetermined communication network. The server 100 transmits the data to the server 100 (465).

Persons having ordinary knowledge in the technical field to which the present invention belongs may be familiar with technical features of performing a conventional electronic payment procedure through the payment approval request text in the bansa server 100 having received the payment approval request text. Therefore, detailed description thereof will be omitted for convenience.

On the other hand, if the inputted payment amount includes an unauthorized small payment reference amount (450), the terminal sets (or switches) the payment mode for the card information and / or payment amount to a small payment mode (470), Generate a predetermined unauthorized payment request text including the card information, payment amount information and merchant information (460), the generated unauthorized payment request full text is a small payment bansa server through a predetermined communication network (100) (480).

Here, the unauthorized small payment bansa server 100 is made, including the server provided in the unauthorized small payment dedicated bansa to perform the unauthorized small payment procedure for providing the unauthorized small payment service, or the conventional bansa It is preferred that the server comprises a server provided to provide the unauthorized micropayment service, or a bansa server 100 having the unauthorized micropayment processing function in the conventional bansa.

5A and 5B illustrate an unauthorized micropayment processing process through a payment terminal 200 equipped with a micropayment mode according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B show a small amount when the payment terminal 200 on the unauthorized small payment system shown in FIG. 1 is a payment terminal 200 having the small payment mode shown in FIG. In the payment terminal 200 equipped with a payment mode, a predetermined unauthorized payment request message for the unauthorized small payment processing is generated and transmitted through a predetermined communication network, and a bansa on the unauthorized small payment system shown in FIG. The server 100 reads a predetermined disapproval condition through card information and payment amount information included in the full disapproval payment request message, and processes the payment corresponding to the full disapproval payment request message by an unauthorized method. As specifically, when an unauthorized payment error occurs in the payment processing of the unauthorized method, the payment of the unauthorized payment error details in the bansa server 100 It relates to an implementation method of transmitting to the terminal 200.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to infer various practical methods for the unauthorized micropayment process. It is to be understood that the technical features of the present invention are not limited to the drawings 5a and 5b but include all the inferred implementation methods.

For example, in FIGS. 5A and 5B, the bansa server 100 checks whether the card information is included in the unauthorized small payment target card information, and checks whether the payment amount includes the unauthorized small payment reference amount. Although illustrated as including a process, the process may be omitted since the process was first performed in the operation process of the payment terminal 200 shown in FIG. 4, whereby the present invention is not limited thereto.

Referring to FIGS. 5A and 5B, the bansa server 100 shown in FIG. 1 is generated through a process shown in FIG. 4 from the payment terminal 200 shown in FIG. 2 through a predetermined communication network. When the unauthorized payment request message is received (500), the bansa server 100 extracts card information and payment amount information merchant information from the received unauthorized payment request message (505), the extracted card information In operation 510, the card information includes the unauthorized small settlement target card information for the unauthorized small settlement.

According to an exemplary embodiment of the present invention, the bansa server 100 may compare the card information of the extracted card information with the unauthorized small payment target card information stored in the card information D / B 155 (for example, A part of the card number) and compare the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 155, whereby the card information read through the card reader wins. It is desirable to check whether the card information is included in the phosphorus payment card information.

For example, when the extracted card information includes a 16-digit credit card number or a check card number, the bansa server 100 may include the card issuer identification number and card type, or the card issuer identification number among the 16-digit card numbers. Extract card information including the first four digits (or first six digits) including the card type, and draw the card issuer identification number and card type, or the card issuer identification number or card type corresponding to the card type. It is preferable to check whether the card information read through the card reader is included in the unauthorized small payment target card information by comparing the small card payment target card information with the comparison target card information.

If the check result is that the extracted card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (515), the bansa server 100 is predetermined to include the small target card error information Generate an unauthorized payment error history (560), process the unauthorized payment error history as the payment processing history, generate a predetermined payment processing message (565), and generate the generated payment processing message through the communication network; The payment terminal 200 is transmitted to the payment terminal 200 (570), and correspondingly, the payment terminal 200 receives the payment processing text through the communication network, and the payment processing details (eg, unauthorized) included in the payment processing text. The payment error history) is extracted and the screen output (and / or print output) (575).

If the extracted card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (515), the bansa server 100 reads the extracted payment amount information and the winning It is checked whether the payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (520).

According to an embodiment of the present invention, if the non-authorized micro payment target amount is 30,000 won, the Bansa server 100 determines that the non-authorized micro payment target amount is the payment amount information extracted from the entire non-authorized payment request. If the amount is less than or equal to 30,000 won, the payment amount is confirmed to be included in the amount of the unauthorized small payment target payment standard for the unauthorized small payment processing, and the unauthorized payment processing for the entire unauthorized payment request is possible. It is preferable to confirm that it is.

If the unauthorized payment request amount does not include a predetermined unauthorized small settlement reference amount for the unauthorized small settlement processing (525), the bansa server 100 includes the unauthorized small settlement reference amount error information. Generate a predetermined unauthorized payment error (560), process the unauthorized payment error history as the payment processing history, generate a predetermined payment processing text (565), and generate the predetermined payment processing text; The payment terminal 200 is transmitted to the payment terminal 200 through a communication network (570), and in response thereto, the payment terminal 200 receives the payment processing message through the communication network, and the payment processing details included in the payment processing message (for example, Extract the unauthorized payment error) and output the screen (and / or print output) (575).

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (525), the bansa server 100 reads the extracted card information to make the unauthorized payment. It is checked whether the card information included in the request message is included in the unauthorized small payment BL (530).

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the non-authorized micropayment card includes a check card / debit card / cash card / financial account, due to lack of account balance or lock account balance It characterized in that it comprises at least one or more card number that can not be provided for the unauthorized payment service, the unauthorized micropayment BL among the card information included in the full text of the unauthorized payment request received from the payment terminal 200 The full unauthorized payment request including card information matching the information is excluded from the processing of the unauthorized small payment. This is preferred.

According to the method of the present invention, the bansa server 100 is a card corresponding to the card information extracted from the unauthorized payment request message and the unauthorized micropayment BL information provided in the unauthorized condition D / B (160) The card information corresponding to the extracted card information and the card information corresponding to the unauthorized micropayment BL information included in the unauthorized condition D / B 160 are not matched with each other. It is desirable to confirm that unauthorized payment processing for the full text is possible.

If the card information included in the full unauthorized payment request is included in the unauthorized small settlement BL (535), the bansa server 100 is a predetermined unauthorized payment error including the unauthorized small settlement BL error information Generating details (560), processing the unauthorized payment error details as the payment processing details, and creating a predetermined payment processing message (565), and generating the generated payment processing message through the communication network (200) In operation 570, the payment terminal 200 receives the payment processing message through the communication network, and receives the payment processing details (eg, unauthorized payment error details) included in the payment processing message. Extract and display (and / or print) the display (575).

If the card information included in the unauthorized payment request message is not included in the unauthorized small payment BL (535), the bansa server 100 matches the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment details is read to determine whether the payment amount included in the full amount of the unauthorized payment request exceeds a predetermined unauthorized payment amount (540).

According to the implementation method of the present invention, the unacceptable micropayment limit information, the daily unacceptable micropayment limit amount for the unapproved micropayment target card, the weekly unacceptable micropayment limit amount, and the monthly unacceptable micropayment limit amount It characterized in that it comprises at least one, wherein the daily, weekly and monthly cumulative payment amount of the payment amount contained in the full text of the unauthorized payment request received from the payment terminal 200 at least of the unauthorized small payment limit amount In the case where more than one is exceeded, the full amount of the unauthorized payment request exceeding the unauthorized small settlement limit amount is preferably excluded from the unauthorized small settlement processing object.

According to an embodiment of the present invention, the bansa server 100 corresponds to the card information in association with the storage medium 165 storing the unauthorized payment details through card information extracted from the full unauthorized payment request. Confirm at least one daily / weekly / monthly unauthorized payment history, and add the payment amount information extracted from the unauthorized payment request text and the at least one payment amount information included in the confirmed unauthorized payment details on a daily basis; It is preferable to calculate a cumulative payment amount, a cumulative payment amount per week, and a monthly cumulative payment amount, and the at least one calculated daily / weekly / monthly cumulative payment amount and the disapproval provided in the disapproval condition D / B 160 Compare the daily, weekly and monthly unapproved micropayment limit amount included in the micropayment limit information for the full text of the unauthorized payment request. It is preferable to make the payment is approved.

According to the method of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 160 includes a daily unacceptable micropayment limit amount, the bansa server 100 receives the non-approval. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information extracted from the payment request text, and the unauthorized payment request text A cumulative payment amount based on the current date is calculated by adding the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment details, and calculating the cumulative payment amount based on the calculated current date and the disapproval condition. It is preferable to compare the daily unauthorized small settlement limit amount included in the unauthorized small settlement limit amount information provided in the D / B 160, and the calculated If in Japan based on the cumulative payment amount is less than the amount of the daily museung micropayments limit, the baensa server 100 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 160 includes the weekly unpaid micropayment limit amount, the bansa server 100 is extracted from the full text of the unauthorized payment request. Confirm the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 165 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the weekly payment amount for the week for the current day, and the weekly payment for the week for the calculated current day. Compare the amount with the amount of unapproved micropayment limit per week included in the unauthorized micropayment limit information provided in the non-approved condition D / B 160 Preferably, if the cumulative weekly payment amount for the week is less than the weekly unpaid micropayment limit amount, the bansa server 100 is the unauthorized payment processing for the full text of the unauthorized payment request It is desirable to confirm that it is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 160 includes monthly unapproved micropayment limit amount information, the bansa server 100 is extracted from the full text of the unauthorized payment request. Check the monthly unauthorized payment history for the current month corresponding to the card information in association with the storage medium 165 storing the unauthorized payment details through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the monthly cumulative payment amount for the current month, and the monthly cumulative payment for the calculated current month. Comparing the amount of money and the amount of monthly unauthorized micropayment limit included in the unauthorized micropayment limit amount information included in the non-approval condition D / B 160 Preferably, if the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the bansa server 100 is capable of unauthorized payment processing for the full text of the unauthorized payment request It is preferable to confirm that it is.

If the cumulative payment amount including the payment amount included in the unauthorized payment request text exceeds the unauthorized small payment limit amount (545), the bansa server 100 is the unauthorized small payment limit amount error information Generate a predetermined unauthorized payment error history including (560), and process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing full text (565), the generated payment processing full text The payment terminal 200 is transmitted through the communication network to the payment terminal 200 (570). In response thereto, the payment terminal 200 receives the payment processing message through the communication network, and the payment processing history included in the payment processing message ( For example, the unauthorized payment error details) are extracted and displayed (and / or printed out) (575).

If the cumulative payment amount including the payment amount included in the unauthorized payment request text does not exceed the unauthorized small payment limit amount (545), the bansa server 100 through the extracted card information At least one unauthorized payment details matched with the card information is counted to determine whether the cumulative unauthorized small settlement processing number corresponding to the card information exceeds a predetermined unauthorized small settlement number limit (550).

According to the implementation method of the present invention, the unaccepted micropayment limit information, the daily unaccepted micropayment limit for the unapproved micropayment target card, the number of weekly unacceptable micropayments, the number of monthly unacceptable micropayments It characterized in that it comprises at least one, wherein the daily / weekly / monthly cumulative unauthorized micropayment processing times for the unauthorized payment request received from the payment terminal 200 at least at least one of the number of unauthorized micropayments In the case where more than one is exceeded, it is preferable that an unauthorized payment request text that exceeds the number of unauthorized small payments is excluded from the unauthorized small payment processing.

According to an embodiment of the present invention, the bansa server 100 corresponds to the card information in association with the storage medium 165 storing the unauthorized payment details through card information extracted from the full unauthorized payment request. Check at least one daily / weekly / monthly unauthorized payment history, and count the confirmed daily / weekly / monthly unauthorized payment history to count the daily cumulative unauthorized micropayments corresponding to the card information; It is preferable to calculate the number of weekly cumulative micropayments and the number of monthly unpaid micropayments, and the calculated at least one daily / weekly / monthly unapproved micropayment processing count and the disapproved condition D / B. The unauthorized payment request is compared by comparing the daily, weekly and monthly non-authorized micropayment limit included in the information on the number of unauthorized micropayments provided in 160. To make the museung the payment is on the door are preferred.

According to the method of the present invention, when the unapproved micropayment limit information provided in the disapproved condition D / B 160 includes a daily non-approved micropayment limit, the bansa server 100 is the unapproved. Check the unauthorized payment details based on the current day corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information extracted from the full payment request, and the confirmed unauthorized payment By counting the details to calculate the cumulative unpaid micropayment processing frequency as of the current day, the calculated cumulative unpaid micropayment processing frequency as of the current day and the number of unauthorized micropayments provided in the disapproved condition D / B (160) It is preferable to compare the daily non-approved micropayment limit included in the limit information, and the calculated unapproved micropayment number of times as of the current day is calculated. Is smaller than the limit number of times, the baensa server 100 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the number of unauthorized small settlements included in the unauthorized condition D / B 160 includes the number of weekly unauthorized small settlements, the bansa server 100 is extracted from the full unauthorized payment request. Confirm the weekly unauthorized payment history for one week based on the current day corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment Counting the details to calculate the number of weekly unapproved micropayment processing week for the current day, and to the weekly cumulative unapproved micropayment processing week for the current week and the unconditional conditions D / B (160) It is preferable to compare the number of weekly unapproved micropayments included in the information on the number of unapproved micropayments provided, If the museung of micropayments processing number smaller than the number of times for week museung of micropayments limit, the baensa server 100 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, if the unauthorized small settlement number limit information provided in the unauthorized condition D / B (160) includes the monthly unauthorized small settlement number limit, the bansa server 100 is extracted from the full unauthorized payment request Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the monthly cumulative unauthorized micropayment processing count for the current month, and the monthly cumulative unauthorized micropayment processing count for the current month, and the unauthorized condition D / B (160). It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments. If liquid payment processing number is smaller than the monthly museung of micropayments count limit, the baensa server 100 preferably confirms that non-authorized payment processing for the payment request of said specializing museung possible.

If the cumulative unauthorized micropayment processing times corresponding to the card information included in the unauthorized payment request text exceeds a predetermined unauthorized micropayment number limit (555), the bansa server 100 performs the unauthorized micropayment. Generate a predetermined unauthorized payment error history including the number of payment limit error information (560), generate a predetermined payment processing full text by processing the unauthorized payment error history as the payment processing history (565), the generation The payment processing full text is transmitted to the payment terminal 200 through the communication network (570). In response, the payment terminal 200 receives the payment processing text through the communication network and includes the payment processing text. The received payment processing details (eg, unauthorized payment error details) are extracted and displayed (and / or printed out) (575).

If the cumulative unauthorized micropayment processing count corresponding to the card information included in the unauthorized payment request message does not exceed a predetermined non-authorized micropayment limit (555), the bansa server 100 receives the unauthorized approval. Generate a predetermined unauthorized payment details saturating card information and payment amount information and the merchant information extracted from the full payment request (580), the card information and payment amount information and merchant information contained in the unauthorized payment details In step 585, the data is stored in a predetermined storage medium 165.

According to the method of the present invention, the bansa server 100 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 100 is included in the unauthorized payment details. The non-approved code (or unauthorized approval code) (not shown) may be further stored in the storage medium 165 to the card information, payment amount information, and merchant information.

In addition, the bansa server 100 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information and merchant information; It is preferable to further include the generated unauthorized payment date and time information (not shown), and correspondingly, the bansa server 100 draws the card information, payment amount information, and merchant information included in the unauthorized payment details. It is preferable to further process the payment date and time information (not shown) in the storage medium 165.

Further, the bansa server 100 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated credit card company information (or payment approval server information) (not shown) in the unauthorized payment details including, and corresponding to the bansa server 100 is included in the unauthorized payment details The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 165.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, but the present invention includes all the information configuration inferred It is characterized by.

Subsequently, the bansa server 100 processes the unauthorized payment details as payment processing details for the unauthorized payment request text to generate a predetermined payment processing text (580), and generates the generated payment processing text for the communication network. The transmission terminal 200 is transmitted to the payment terminal 200 through 595. In response thereto, the payment terminal 200 receives the payment processing telegram through the communication network, and the payment processing details included in the payment processing telegram (eg, The unauthorized payment details) are extracted and displayed (and / or printed out) (599).

6A and 6B illustrate an unauthorized micropayment processing process through a payment terminal 200 equipped with a micropayment mode according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B show a small amount when the payment terminal 200 on the unauthorized payment system shown in FIG. 1 is the payment terminal 200 having the small payment mode shown in FIG. In the payment terminal 200 equipped with a payment mode, a predetermined unauthorized payment request message for the unauthorized small payment processing is generated and transmitted through a predetermined communication network, and a bansa on the unauthorized small payment system shown in FIG. The server 100 reads a predetermined disapproval condition through card information and payment amount information included in the full disapproval payment request message, and processes the payment corresponding to the full disapproval payment request message by an unauthorized method. Specifically, when an unauthorized payment error occurs in the unauthorized payment process, the Bansa server 100 substitutes the unauthorized payment request for the card information. The present invention relates to an implementation method of processing payment approval in connection with a payment approval server provided at a corresponding card company / financial company.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to infer various implementation methods for the unauthorized micropayment process. It is to be understood that the technical features are not limited by the figures 6a and 6b but include all the inferred implementation methods.

For example, in FIGS. 6A and 6B, the bansa server 100 checks whether the card information is included in the unauthorized small payment target card information, and checks whether the payment amount includes the unauthorized small payment reference amount. Although illustrated as including a process, the process may be omitted since the process was first performed in the operation process of the payment terminal 200 shown in FIG. 4, whereby the present invention is not limited thereto.

6A and 6B, the bansa server 100 shown in FIG. 1 is generated through the process shown in FIG. 4 from the payment terminal 200 shown in FIG. 2 through a predetermined communication network. When the unauthorized payment request message is received (600), the bansa server 100 extracts card information and payment amount information merchant information from the received unauthorized payment request message (605), and extracts the extracted card information In operation 610, the card information includes the unauthorized small settlement target card information for the unauthorized small settlement.

According to an exemplary embodiment of the present invention, the bansa server 100 may compare the card information of the extracted card information with the unauthorized small payment target card information stored in the card information D / B 155 (for example, A part of the card number) and compare the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 155, whereby the card information read through the card reader wins. It is desirable to check whether the card information is included in the phosphorus payment card information.

For example, when the extracted card information includes a 16-digit credit card number or a check card number, the bansa server 100 may include the card issuer identification number and card type, or the card issuer identification number among the 16-digit card numbers. Extract card information including the first four digits (or first six digits) including the card type, and draw the card issuer identification number and card type, or the card issuer identification number or card type corresponding to the card type. It is preferable to check whether the card information read through the card reader is included in the unauthorized small payment target card information by comparing the small card payment target card information with the comparison target card information.

If the extracted card information is not included in the unauthorized micropayment target card information for the unauthorized micropayment processing (615), the bansa server 100 transmits the entire unauthorized payment request card information to the card information. Processes the payment approval request that can be transmitted to the payment approval server corresponding to the transfer to the payment approval server through a predetermined communication means (660), and in response to the payment approval server corresponding to the payment approval request full text Perform a predetermined payment approval procedure, generate a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) to the bansa server 100 through the communication means. The bansa server 100 transmits the payment approval message to the payment terminal 200 through the communication network (670), and then responds (670). The payment terminal 200 receives the payment processing message through the communication network, extracts the payment processing details (eg, unauthorized payment error details) included in the payment processing message, and outputs a screen (and / or print output). (675).

If the extracted card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (615), the bansa server 100 reads the extracted payment amount information and the winning It is checked whether the payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (620).

According to an embodiment of the present invention, if the non-authorized micro payment target amount is 30,000 won, the Bansa server 100 determines that the non-authorized micro payment target amount is the payment amount information extracted from the entire non-authorized payment request. If the amount is less than or equal to 30,000 won, the payment amount is confirmed to be included in the amount of the unauthorized small payment target payment standard for the unauthorized small payment processing, and the unauthorized payment processing for the entire unauthorized payment request is possible. It is preferable to confirm that it is.

If the unauthorized payment request amount does not include a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (625), the bansa server 100 transfers the unauthorized payment request message to the card information. Processes a payment approval request full text that can be transmitted to a corresponding payment approval server and transmits it to the payment approval server through a predetermined communication means (660). In response, the payment approval server corresponds to the predetermined payment approval request text. Performing a payment approval procedure of the user, generating a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) to the bansa server 100 through the communication means. The bansa server 100 then transmits the payment approval message to the payment terminal 200 through the communication network 670, and correspondingly, The payment terminal 200 receives the payment processing message through the communication network, extracts the payment processing details (eg, unauthorized payment error details) included in the payment processing message, and outputs the screen (and / or prints). (675).

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (625), the bansa server 100 reads the extracted card information and the unauthorized payment In operation 630, the card information included in the request message is included in the unauthorized small payment BL.

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the non-authorized micropayment card includes a check card / debit card / cash card / financial account, due to lack of account balance or lock account balance It characterized in that it comprises at least one or more card number that can not be provided for the unauthorized payment service, the unauthorized micropayment BL among the card information included in the full text of the unauthorized payment request received from the payment terminal 200 The full text of the unauthorized payment request including card information matching the information is excluded from the processing of the unauthorized small payment, To future payment processing in accordance with the electronic payment process it is preferred.

According to the method of the present invention, the bansa server 100 is a card corresponding to the card information extracted from the unauthorized payment request message and the unauthorized micropayment BL information provided in the unauthorized condition D / B (160) The card information corresponding to the extracted card information and the card information corresponding to the unauthorized micropayment BL information included in the unauthorized condition D / B 160 are not matched with each other. It is desirable to confirm that unauthorized payment processing for the full text is possible.

If the card information included in the unauthorized payment request message is included in the unauthorized small payment BL (635), the bansa server 100 transfers the unauthorized payment request message to the payment approval server corresponding to the card information. The payment approval request is handled as a full text message and transmitted to the payment approval server through a predetermined communication means (660). In response, the payment approval server performs a predetermined payment approval procedure corresponding to the full text of the payment approval request. And generating a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error), and transmitting the generated payment approval message to the bansa server 100 through the communication means (665). The bansa server 100 transmits the full payment approval to the payment terminal 200 through the communication network (670), and correspondingly, the payment terminal 200 through the communication network In response to the payment processing message, the payment processing history (eg, unauthorized payment error details) included in the payment processing message is extracted and displayed (and / or printed out) (675).

If the card information included in the unauthorized payment request message is not included in the unauthorized small payment BL (635), the bansa server 100 matches the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment details is read to determine whether the payment amount included in the full amount of the unauthorized payment request exceeds a predetermined unauthorized payment amount (640).

According to the implementation method of the present invention, the unacceptable micropayment limit information, the daily unacceptable micropayment limit amount for the unapproved micropayment target card, the weekly unacceptable micropayment limit amount, and the monthly unacceptable micropayment limit amount It characterized in that it comprises at least one, wherein the daily, weekly and monthly cumulative payment amount of the payment amount contained in the full text of the unauthorized payment request received from the payment terminal 200 at least of the unauthorized small payment limit amount If more than one, the full amount of the unauthorized payment request that exceeds the unauthorized small payment amount is excluded from the unauthorized small payment processing, it is preferable to process the payment in accordance with the conventional electronic payment procedures.

According to the embodiment of the present invention, the bansa server 100 is connected to the storage medium 165 storing the unauthorized payment details through the card information extracted from the full unauthorized payment request to the card information. Confirm the corresponding at least one daily / weekly / monthly unauthorized payment history, and add the payment amount information extracted from the entire unauthorized payment request and at least one payment amount information included in the confirmed unauthorized payment details; It is preferable to calculate the daily cumulative payment amount, the weekly cumulative payment amount, the monthly cumulative payment amount, and the at least one calculated daily / weekly / monthly cumulative payment amount and the draw provided in the disapproved condition D / B 160. Compare the daily, weekly and monthly unapproved micropayment limit amount included in the micropayment limit amount information to It is preferable to make the payment is approved.

According to the method of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 160 includes a daily unacceptable micropayment limit amount, the bansa server 100 receives the non-approval. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information extracted from the payment request text, and the unauthorized payment request text A cumulative payment amount based on the current date is calculated by adding the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment details, and calculating the cumulative payment amount based on the calculated current date and the disapproval condition. It is preferable to compare the daily unauthorized small settlement limit amount included in the unauthorized small settlement limit amount information provided in the D / B 160, and the calculated If in Japan based on the cumulative payment amount is less than the amount of the daily museung micropayments limit, the baensa server 100 preferably confirms that the museung the payment processing for the payment request, the professional museung possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 160 includes the weekly micropayment limit amount, the bansa server 100 is extracted from the full text of the unauthorized payment request. Confirm the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 165 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the weekly payment amount for the week for the current day, and the weekly payment for the week for the calculated current day. Compare the amount with the amount of unapproved micropayment limit per week included in the unauthorized micropayment limit information provided in the non-approved condition D / B 160 Preferably, if the cumulative weekly payment amount for the week is less than the weekly unpaid micropayment limit amount, the bansa server 100 is the unauthorized payment processing for the full text of the unauthorized payment request It is desirable to confirm that it is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 160 includes monthly unapproved micropayment limit amount information, the bansa server 100 is extracted from the full text of the unauthorized payment request. Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment history through the card information, and the unauthorized payment request Compute the monthly cumulative payment amount for the current month based on the sum of the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment history, and accumulates monthly for the calculated current month Comparing the settlement amount and the monthly unauthorized micropayment limit amount included in the unauthorized micropayment limit amount information included in the unauthorized condition D / B 160. Preferably, if the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the bansa server 100 is capable of unauthorized payment processing for the full text of the unauthorized payment request It is preferable to confirm that it is.

If the cumulative payment amount including the payment amount included in the unauthorized payment request text exceeds the unauthorized small payment limit amount (645), the bansa server 100 transmits the unauthorized payment request message to the card. Processes a payment approval request text that can be transmitted to the payment approval server corresponding to the information and transmits it to the payment approval server through a predetermined communication means (660) .In response, the payment approval server responds to the payment approval request text. Perform a predetermined payment approval procedure, and generate a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) to the bansa server 100 through the communication means. In step 665, the bansa server 100 transmits the payment approval message to the payment terminal 200 through the communication network 670, and correspondingly. The payment terminal 200 receives the payment processing message through the communication network, extracts the payment processing details (eg, unauthorized payment error details) included in the payment processing message, and outputs a screen (and / or print output). (675).

If the cumulative settlement amount including the settlement amount included in the unauthorized payment request message does not exceed the unauthorized small settlement limit amount (645), the bansa server (100) through the extracted card information At least one unauthorized payment details matched with the card information is counted to determine whether the cumulative unauthorized small settlement processing number corresponding to the card information exceeds a predetermined unauthorized small settlement number limit (650).

According to the implementation method of the present invention, the unaccepted micropayment limit information, the daily unaccepted micropayment limit for the unapproved micropayment target card, the number of weekly unacceptable micropayments, the number of monthly unacceptable micropayments It characterized in that it comprises at least one, wherein the daily / weekly / monthly cumulative unauthorized micropayment processing times for the unauthorized payment request received from the payment terminal 200 at least at least one of the number of unauthorized micropayments If more than one, the full amount of unauthorized payment request that exceeds the number of unauthorized small payments are excluded from the unauthorized small payment processing, it is preferable to process the payment in accordance with the conventional electronic payment procedures.

According to an embodiment of the present invention, the bansa server 100 corresponds to the card information in association with the storage medium 165 storing the unauthorized payment details through card information extracted from the full unauthorized payment request. Check at least one daily / weekly / monthly unauthorized payment history, and count the confirmed daily / weekly / monthly unauthorized payment history to count the daily cumulative unauthorized micropayments corresponding to the card information; It is preferable to calculate the number of weekly cumulative micropayments and the number of monthly unpaid micropayments, and the calculated at least one daily / weekly / monthly unapproved micropayment processing count and the disapproved condition D / B. The unauthorized payment request is compared by comparing the daily / weekly / monthly unauthorized micropayment limit included in the unauthorized micropayment limit provided in 160. To make the museung the payment is on the door are preferred.

According to the method of the present invention, when the unapproved micropayment limit information provided in the disapproved condition D / B 160 includes a daily non-approved micropayment limit, the bansa server 100 is the unapproved. Check the unauthorized payment details based on the current day corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information extracted from the full payment request, and the confirmed unauthorized payment By counting the details to calculate the cumulative unpaid micropayment processing frequency as of the current day, the calculated cumulative unpaid micropayment processing frequency as of the current day and the number of unauthorized micropayments provided in the disapproved condition D / B (160) It is preferable to compare the daily unapproved micropayment limit included in the limit information, and the calculated unapproved micropayment processing count as of the current day is the unapproved micropayment per day. Is smaller than the limit number of times, the baensa server 100 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the number of unauthorized small settlements included in the unauthorized condition D / B 160 includes the number of weekly unauthorized small settlements, the bansa server 100 is extracted from the full unauthorized payment request. Confirm the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 165 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the cumulative weekly unpaid micropayment processing frequency for a week based on the current day, and the weekly cumulative unpaid micropayment processing frequency for the week based on the calculated current day and the disapproved condition D / B (160) is provided. It is preferable to compare the number of unapproved micropayments per week included in the information on the number of unapproved micropayments. If the number of unauthorized small payments is less than the weekly minimum amount of small payments, it is preferable that the bansa server 100 confirms that unauthorized payment processing for the entire unauthorized payment request is possible.

In addition, if the unauthorized small settlement number limit information provided in the unauthorized condition D / B (160) includes the monthly unauthorized small settlement number limit, the bansa server 100 is extracted from the full unauthorized payment request Confirm the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information, and confirming the unauthorized payment Counting the details to calculate the monthly cumulative unpaid micropayment processing frequency for the current month, and the monthly cumulative unapproved micropayment processing count for the current month and the disapproved condition D / B (160) It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments provided, and the monthly cumulative disapproval for one month on the basis of the calculated current date. When the number of micropayments is less than the monthly non-payment limit, it is preferable that the bansa server 100 confirms that the unauthorized payment for the entire unauthorized payment request is possible.

If the cumulative unauthorized micropayment processing number corresponding to the card information included in the unauthorized payment request text exceeds a predetermined unauthorized micropayment limit (655), the bansa server 100 performs the unauthorized payment. The request is processed as a payment approval request message that can be transmitted to a payment approval server corresponding to the card information, and is transmitted to the payment approval server through a predetermined communication means (660). Perform a predetermined payment approval procedure corresponding to the approval request message, generate a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) Transmitted to the bansa server 100 (665), and then the bansa server 100 transmits the payment approval full text to the payment terminal 200 through the communication network. In response, the payment terminal 200 receives the payment processing text through the communication network, extracts a payment processing history (for example, unauthorized payment error details) included in the payment processing text, and displays the screen. Output (and / or print output) 675.

If the cumulative unauthorized micropayment processing frequency corresponding to the card information included in the unauthorized payment request text does not exceed a predetermined non-authorized micropayment limit (655), the bansa server 100 receives the unauthorized approval. Generate a predetermined unauthorized payment details including card information and payment amount information and the merchant information extracted from the full payment request (680), the card information and payment amount information and merchant information included in the unauthorized payment details In operation 685, the data is stored in a predetermined storage medium 165.

According to the method of the present invention, the bansa server 100 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 100 is included in the unauthorized payment details. The non-approved code (or unauthorized approval code) (not shown) may be further stored in the storage medium 165 to the card information, payment amount information, and merchant information.

In addition, the bansa server 100 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information, and merchant information. Preferably, the generated unauthorized payment date and time information (not shown) is further included. In response thereto, the bansa server 100 includes the card information, payment amount information, and merchant information included in the unauthorized payment details. The unauthorized payment date information (not shown) may be further processed in association with the storage medium 165 and stored in the storage medium 165.

Further, the bansa server 100 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated credit card company information (or payment approval server information) (not shown) in the unauthorized payment details including, and corresponding to the bansa server 100 is included in the unauthorized payment details The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 165.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, but the present invention includes all the information configuration inferred It is characterized by.

Subsequently, the bansa server 100 processes the unauthorized payment details as payment processing details for the unauthorized payment request text to generate a predetermined payment processing text (680), and generates the generated payment processing text for the communication network. The transmission terminal 200 transmits to the payment terminal 200 through 695. In response, the payment terminal 200 receives the payment processing message through the communication network, and the payment processing details (eg, The unauthorized payment details) are extracted and displayed (and / or printed out) (699).

7A and 7B illustrate an unauthorized micropayment processing process through a predetermined payment terminal 200 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate a case where the payment terminal 200 on the unauthorized payment system shown in FIG. 1 is a payment terminal 200 that processes a conventional electronic payment. When a predetermined payment approval request text for a conventional electronic payment processing is generated and transmitted through a predetermined communication network, the card included in the payment approval request message is bansa server 100 on the unauthorized small payment system shown in FIG. The present invention relates to a process of processing a payment corresponding to a full payment approval request by reading a predetermined disapproval condition through information and payment amount information, or performing a payment process according to a conventional electronic payment procedure. Those skilled in the art may refer to and / or modify the drawings 7a and 7b to provide a variety of procedures for the unauthorized micropayment process. It would be able to infer when the method, rather than the technical features of the invention as defined by the drawing figures 7a and 7b, placed bayida found that that includes all the embodiments in which the inference method.

Referring to FIGS. 7A and 7B, the bansa server 100 shown in FIG. 1 is a predetermined payment approval generated according to a conventional electronic payment procedure from the payment terminal 200 shown in FIG. 2 through a predetermined communication network. When the request message is received 700, the bansa server 100 extracts card information and payment amount information affiliate store information from the received payment approval request message 705, and reads the extracted card information to read the card information. Check whether the unauthorized small settlement includes card information for unauthorized small settlement processing (710).

According to an exemplary embodiment of the present invention, the bansa server 100 may compare the card information of the extracted card information with the unauthorized small payment target card information stored in the card information D / B 155 (for example, A part of the card number) and compare the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 155, whereby the card information read through the card reader wins. It is desirable to check whether the card information is included in the phosphorus payment card information.

For example, when the extracted card information includes a 16-digit credit card number or a check card number, the bansa server 100 may include the card issuer identification number and card type, or the card issuer identification number among the 16-digit card numbers. Extract card information including the first four digits (or first six digits) including the card type, and draw the card issuer identification number and card type, or the card issuer identification number or card type corresponding to the card type. It is preferable to check whether the card information read through the card reader is included in the unauthorized small payment target card information by comparing the small card payment target card information with the comparison target card information.

If the extracted card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (715), the bansa server 100 requests the payment approval request through a predetermined communication means. Sending a full text to the payment approval server corresponding to the card information (760), and correspondingly, the payment approval server performs a predetermined payment approval procedure corresponding to the payment approval request text, and the payment approval result (e.g., A payment approval message including a payment processing history corresponding to a payment approval or a payment error) is transmitted to the bansa server 100 through the communication means (765), and then the bansa server 100 is The payment approval message is transmitted to the payment terminal 200 through the communication network (770). In response, the payment terminal 200 can receive the payment processing message through the communication network. , Wherein the payment settlement processing history (e.g., the payment museung error history) screen output (and / or printout) extracts contained in the treatment professional to 775.

If the extracted card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (715), the bansa server 100 reads the extracted payment amount information and the winning If it is determined that the payment request amount includes a predetermined amount of unauthorized small payment for the unauthorized small settlement processing (720).

According to an embodiment of the present invention, if the non-authorized micropayment target payment amount is 30,000 won, the Bansa server 100 determines that the payment amount information extracted from the full payment approval request is the non-approved micropayment target payment amount. If it is less than or equal to 30,000 won, it is confirmed that the payment amount is included in the payment threshold amount for the unauthorized small payment for the unauthorized small payment processing, and the unauthorized payment processing for the full payment approval request is possible. It is desirable to.

If the unauthorized payment request amount does not include a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (725), the bansa server 100 through the predetermined communication means to complete the payment approval request Transmits to the payment approval server corresponding to the card information (760), and correspondingly, the payment approval server performs a predetermined payment approval procedure corresponding to the full text of the payment approval request, and the payment approval result (e.g., Payment approval (or payment error) corresponding to the payment processing details including the payment processing history is generated and transmitted to the bansa server 100 through the communication means (765), the bansa server 100 after the payment The approval message is transmitted to the payment terminal 200 through the communication network (770), and correspondingly, the payment terminal 200 receives the payment processing message through the communication network, The payment processing details (eg, unauthorized payment error details) included in the payment processing text are extracted and screen output (and / or printed output) (775).

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (725), the bansa server 100 reads the extracted card information and the payment approval request Check whether the card information included in the full text is included in the unauthorized micropayment BL (730).

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the non-authorized micropayment card includes a check card / debit card / cash card / financial account, due to lack of account balance or lock account balance Characterized in that it comprises at least one or more card number that can not be provided for the unauthorized small payment service, the unauthorized micropayment BL information of the card information included in the full payment approval request received from the payment terminal 200 The full payment approval request including the card information matching with is excluded from the unauthorized payment process, and the prior It is advisable to process payment according to the self-payment procedure.

According to the method of the present invention, the bansa server 100 is the card information extracted from the full payment approval request and the card information corresponding to the unauthorized micropayment BL information provided in the unauthorized condition D / B (160) If the card information corresponding to the extracted card information and the unauthorized micropayment BL information included in the unauthorized condition D / B 160 does not match, check the full text of the payment approval request. It is desirable to confirm that unauthorized payment processing is possible.

If the card information included in the payment approval request message is included in the unauthorized micropayment BL (735), the bansa server 100 corresponds to the card information corresponding to the payment approval request message through a predetermined communication means. In response to the payment approval server (760), the payment approval server performs a predetermined payment approval procedure corresponding to the full text of the payment approval request, and the payment approval result (e.g., payment approval or payment error). Generate a payment approval message including a payment processing history corresponding to the transfer to the bansa server 100 through the communication means (765), and then the bansa server 100 through the communication network the payment approval message The payment terminal 200 transmits to the payment terminal 200 (770), and correspondingly, the payment terminal 200 receives the payment processing telegram through the communication network, and the payment destination included in the payment processing telegram. In operation 775, the user extracts the details (eg, unauthorized payment error details) and displays the screen (and / or prints).

If the card information included in the full payment approval request is not included in the unauthorized small payment BL (735), the bansa server 100 is matched with the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment statement is read to determine whether the payment amount included in the full payment approval request exceeds a predetermined unauthorized payment amount (740).

According to the implementation method of the present invention, the unacceptable micropayment limit information, the daily unacceptable micropayment limit amount for the unapproved micropayment target card, the weekly unacceptable micropayment limit amount, and the monthly unacceptable micropayment limit amount And at least one of a daily / weekly / monthly cumulative payment amount of the payment amount included in the full payment approval request received from the payment terminal 200. In the case of exceeding the above, the full text of the payment approval request exceeding the amount of the unauthorized small payment is excluded from the object of the unauthorized small payment, and the payment is preferably processed according to the conventional electronic payment procedure.

According to an embodiment of the present invention, the bansa server 100 corresponds to the card information in association with the storage medium 165 storing the unauthorized payment details through card information extracted from the full payment approval request. Check the at least one daily, weekly and monthly unauthorized payment history, and accumulate daily by adding the payment amount information extracted from the full payment approval request and at least one payment amount information included in the confirmed unauthorized payment details It is preferable to calculate a payment amount, a cumulative payment amount per week, and a monthly cumulative payment amount, and the at least one calculated daily / weekly / monthly cumulative payment amount and the unauthorized amount provided in the disapproved condition D / B 160 are provided. By comparing the daily, weekly and monthly non-authorized micropayment limit amount included in the payment limit amount information, the approval of the entire payment approval request is It is preferable to determine whether the process.

According to the method of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 160 includes a daily non-approved micropayment limit amount, the bansa server 100 approves the payment. Check the unauthorized payment details based on the current day corresponding to the card information in association with the storage medium 165 storing the unauthorized payment details through the card information extracted from the request text, and extract from the full text of the payment approval request The calculated payment amount information and the at least one payment amount information included in the confirmed unauthorized payment details to calculate a cumulative payment amount based on the current date, and the calculated cumulative payment amount based on the current date and the disapproval condition D / It is preferable to compare the daily unauthorized small settlement limit amount included in the unauthorized small settlement limit amount information provided in B (160), and the calculated current date. If the standard cumulative payment amount is less than the daily non-approved micropayment limit amount, it is preferable that the bansa server 100 confirms that the unauthorized payment processing for the full payment approval request is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 160 includes the weekly unpaid micropayment limit amount information, the bansa server 100 is extracted from the full text of the payment approval request. Check the weekly unauthorized payment history for the current day corresponding to the card information in association with the storage medium 165 storing the unauthorized payment details through the card information, extracted from the full payment approval request Compute the weekly cumulative payment amount for one week as of the current day by summing the payment amount information and at least one payment amount information included in the confirmed unauthorized payment details, Comparing the weekly unacceptable micropayment limit amount included in the unapproved micropayment limit amount information included in the non-approval condition D / B 160. Preferably, if the weekly cumulative payment amount for the week of the current day is less than the weekly non-payment micropayment limit amount, the bansa server 100 is to be processed for the unauthorized payment for the full payment approval request request It is desirable to confirm.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 160 includes monthly unapproved micropayment limit amount information, the bansa server 100 is extracted from the full text of the payment approval request. Check the monthly unauthorized payment history for the current month corresponding to the card information in association with the storage medium 165 storing the unauthorized payment history through the card information, extracted from the full payment approval request Compute the monthly cumulative payment amount for the current month based on the sum of the payment amount information and at least one payment amount information included in the confirmed unauthorized payment details, and calculates the monthly cumulative payment amount for the calculated current month Comparing the monthly unapproved micropayment limit amount included in the unapproved micropayment limit amount information included in the unauthorized condition D / B 160, Directly, if the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the bansa server 100 confirms that the unauthorized payment processing for the full payment approval request is possible. It is desirable to.

If the cumulative settlement amount including the settlement amount included in the settlement approval request text exceeds the unauthorized small settlement limit amount (745), the bansa server 100 requests the settlement approval request through a predetermined communication means. Sending a full text to the payment approval server corresponding to the card information (760), and correspondingly, the payment approval server performs a predetermined payment approval procedure corresponding to the payment approval request text, and the payment approval result (e.g., A payment approval message including a payment processing history corresponding to a payment approval or a payment error) is transmitted to the bansa server 100 through the communication means (765), and then the bansa server 100 is The payment approval message is transmitted to the payment terminal 200 through the communication network (770). In response, the payment terminal 200 receives the payment processing message through the communication network. The payment history of payment processing (e.g., billing museung the error history) screen output (and / or printout) extracts contained in the processing specialized in the 775.

If the cumulative settlement amount including the settlement amount included in the settlement approval request text does not exceed the unauthorized small settlement limit amount (745), the bansa server 100 performs the card through the extracted card information. At least one unauthorized payment details matching the information are counted to determine whether the cumulative unauthorized micropayment processing time corresponding to the card information exceeds a predetermined unauthorized micropayment limit (750).

According to the implementation method of the present invention, the unaccepted micropayment limit information, the daily unaccepted micropayment limit for the unapproved micropayment target card, the number of weekly unacceptable micropayments, the number of monthly unacceptable micropayments And at least one of daily / weekly / monthly cumulative unauthorized micropayment processing times for the full payment approval request received from the payment terminal 200. In case of exceeding the above, the full payment approval request for exceeding the number of unauthorized small payments is excluded from the unauthorized small payment processing, and it is preferable to process the payment according to the conventional electronic payment procedure.

According to an embodiment of the present invention, the bansa server 100 corresponds to the card information in association with the storage medium 165 storing the unauthorized payment details through card information extracted from the full payment approval request. Check at least one daily / weekly / monthly unauthorized payment history, count the confirmed daily / weekly / monthly unauthorized payment history, and count the daily cumulative unauthorized small payment processing corresponding to the card information; It is preferable to calculate the number of weekly cumulative micropayments and the number of monthly unpaid micropayments, and the calculated at least one daily / weekly / monthly unapproved micropayment processing count and the disapproved condition D / B. Compare the daily, weekly and monthly unaccepted micropayment limit included in the information on the number of unapproved micropayments provided at 160 to the full text of the payment approval request. It is advisable to check whether unauthorized payment is processed.

According to the method of the present invention, if the unacceptable micropayment limit information provided in the unauthorized condition D / B 160 includes a daily non-approved micropayment limit, the bansa server 100 approves the payment. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment details through the card information extracted from the request message, and the confirmed unauthorized payment details. To calculate the cumulative unpaid micropayment processing count as of the current day, and calculate the cumulative unacceptable micropayment processing count as of the current day and the number of unapproved micropayments provided in the disapproved condition D / B 160. It is preferable to compare the daily non-authorized micropayment limit included in the information, and the calculated number of unapproved micropayments processed as of the current day is calculated. If the number is less than the limit, the bansa server 100 preferably confirms that the unauthorized payment processing for the full payment approval request is possible.

In addition, when the number of unapproved micropayments included in the unauthorized condition D / B 160 includes the number of unapproved micropayments per week, the bansa server 100 is extracted from the full payment approval request. Check the weekly unauthorized payment history for one week from the current day corresponding to the card information in association with the storage medium 165 storing the unauthorized payment history through the card information, and confirm the confirmed unauthorized payment history. Counting to calculate the number of weekly unapproved micropayment processing week for the current day, and the weekly cumulative unapproved micropayment processing weekly for the week based on the calculated current day and the unauthorized condition D / B (160) It is preferable to compare the number of weekly unacceptable micropayments included in the information on the number of unapproved micropayments, and not accumulate weekly for one week. If the approved micropayment processing number is less than the weekly non-approval micropayment limit, the bansa server 100 preferably confirms that the unauthorized payment processing for the entire payment approval request is possible.

In addition, if the unauthorized small payment number limit information provided in the unauthorized condition D / B (160) includes a monthly unauthorized small payment number limit, the bansa server 100 is extracted from the full text of the payment approval request Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 165 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history Counting to calculate the monthly cumulative unauthorized micropayment processing count for the current month, and the monthly cumulative unauthorized micropayment processing count for the current month based on the calculated current month and the unauthorized condition D / B (160) It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments. If billing processing number is smaller than the monthly museung of micropayments count limit, the baensa server 100 is preferably found to be possible the museung the settlement processing for the payment authorization request professional.

If the cumulative unauthorized micropayment processing number corresponding to the card information included in the payment approval request text exceeds a predetermined non-authorized micropayment limit (755), the bansa server 100 uses a predetermined communication means. The payment approval request message is transmitted to the payment approval server corresponding to the card information through the payment approval server 760. In response, the payment approval server performs a predetermined payment approval procedure corresponding to the payment approval request text message. Generate a payment approval message including a payment processing history corresponding to a payment approval result (for example, payment approval or payment error) and transmit it to the bansa server 100 through the communication means (765), and then the bansa server. 100 transmits the full payment approval to the payment terminal 200 through the communication network 770, and correspondingly, the payment terminal 200 transmits the payment through the communication network. Receiving a re-professional, and the payment of the payment processing history (e.g., the payment museung error history) screen output (and / or printout) extracts contained in the treatment professional to 775.

If the cumulative unauthorized micropayment processing times corresponding to the card information included in the full payment approval request does not exceed a predetermined non-authorized micropayment limit (755), the bansa server 100 may request the payment approval request. Generate a predetermined unauthorized payment history including card information and payment amount information and the merchant information extracted from the full text (780), and link the card information, payment amount information and merchant information included in the unauthorized payment history The process is stored in a predetermined storage medium 165 (785).

According to the method of the present invention, the bansa server 100 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 100 is included in the unauthorized payment details. The non-approved code (or unauthorized approval code) (not shown) may be further stored in the storage medium 165 to the card information, payment amount information, and merchant information.

In addition, the bansa server 100 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information and merchant information; Preferably, the generated unauthorized payment date and time information (not shown) is further included, and in response thereto, the bansa server 100 is free of the card information, payment amount information, and merchant information included in the unauthorized payment details. Approved payment date and time information (not shown) is preferably further linked and stored in the storage medium 165.

Further, the bansa server 100 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated credit card company information (or payment approval server information) (not shown) in the unauthorized payment details including, and corresponding to the bansa server 100 is included in the unauthorized payment details The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 165.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, but the present invention includes all the information configuration inferred It is characterized by.

Subsequently, the bansa server 100 processes the unauthorized payment details as payment processing details for the full payment approval request text to generate a predetermined payment processing text (780), and generates the generated payment processing text for the communication network. The payment terminal 200 is transmitted to the payment terminal 200 through 795. In response thereto, the payment terminal 200 receives the payment processing message through the communication network, and the payment processing details (eg, The unauthorized payment details) are extracted and displayed (and / or printed out) (799).

8 is a diagram illustrating a post-approval process for an unauthorized payment details according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a predetermined storage medium 165 in the bansa server 100 shown in FIG. 1 through an unauthorized micropayment process shown in FIGS. 5 and / or 6 and / or 7. After storing the unauthorized payment history including the card information, payment amount information and merchant information in the bansa server 100, periodically processing the post-authorization of the unauthorized payment history, Those skilled in the art will be able to infer various implementation methods for the post-approval process for the unauthorized payment details by referring to and / or modifying this drawing. It is to be understood that the technical features are not limited by the drawing, but include all the inferred implementation methods.

For example, although FIG. 8 illustrates that at least one unauthorized payment history extracted from the storage medium 165 is classified as a credit card company / financial company for post-approval processing, the method of the present invention is illustrated in FIG. 8. It is not limited to the implemented method.

Referring to FIG. 8, the bansa server 100 illustrated in FIG. 1 may be stored in a predetermined storage medium 165 through an unauthorized micropayment process illustrated in FIGS. 5 and / or 6 and / or 7. After storing the unauthorized payment history including the card information, payment amount information and merchant information, at least one unauthorized payment history that is not approved through the payment approval server provided to the card company / financial company periodically from the storage medium 165 Extract (800) and classify the extracted one or more unauthorized payment details for each card company / financial company (or payment approval server) based on the card information (or card company information) (805), and the card company / In operation 810, predetermined payment approval request information including at least one unauthorized payment history classified by financial institution (or payment approval server) is generated.

If predetermined payment approval request information including at least one unauthorized payment details is generated (815), the bansa server (100) by the predetermined communication means for each classified payment approval request information for each card company / financial company The payment approval server transmits the payment approval server 820 and receives the payment approval request information to perform a post-approval procedure for at least one unauthorized payment details included in the payment approval request information (825).

Those skilled in the art to which the present invention belongs, the technical characteristics of the post-approval process is performed based on the card information, payment amount and merchant information included in the unauthorized payment history in the payment approval server Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the payment approval server generates respective post-approval processing results for at least one or more unauthorized payment details (830), and generates predetermined payment approval information including the generated at least one post-approval processing result. In operation 835, the generated payment approval information is transmitted to the bansa server 100 through the communication means (840).

Thereafter, the bansa server 100 extracts at least one post-approval processing result from the received payment approval information, and adds the extracted post-approval processing result to each unauthorized payment details (or the unauthorized payment details). The card information included in the link processing) is stored in the storage medium 165 (845).

According to the exemplary embodiment of the present invention, the post-approval procedure for the unauthorized payment details may be repeatedly performed for all the unauthorized payment details that are not approved among the unauthorized payment details stored in the storage medium 165. (850).

FIG. 9 is a diagram illustrating an unauthorized micropayment system configuration for an unauthorized micropayment process according to another exemplary embodiment of the present invention.

In more detail, Figure 9 illustrates a predetermined payment approval request (or unauthorized payment) for the unauthorized small payment processing in connection with at least one payment terminal (or card terminal) in a payment request server provided in at least one or more affiliate stores. Request message) is generated and transmitted through a predetermined communication network, the Bansa server 900 that receives the payment approval request message (or unauthorized payment request message) to the payment approval request message (or unauthorized payment request message). Payment processing corresponding to the payment approval request text (or unauthorized payment request text) through the included card information and / or payment amount is linked in real time with the payment approval server provided at the card company / financial company corresponding to the card information. As a system configuration for processing payment based on a predetermined disapproval condition in the bansa server 900, without processing the approval, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the configuration of the unauthorized micropayment system for the unauthorized micropayment process. It is to be understood that the technical features of the present invention are not limited by the drawing 9 but include all the inferred implementation methods.

The non-authorized micropayment system according to the embodiment of the present invention is provided at a predetermined affiliate store, and is linked to at least one or more payment terminals (or card terminals) provided at the affiliated store. At least one payment request server for generating a payment approval request message (or unauthorized payment request message) and transmitting it through a predetermined communication network, and a payment approval request message (or unauthorized payment request message) transmitted from the payment request server. Receives and reads through a predetermined communication network and does not process payment approval in real time in connection with a payment approval server provided in a card company / financial company corresponding to card information included in the payment approval request message (or unauthorized payment request message), Based on the predetermined disapproval conditions, we process payments corresponding to the full payment authorization request (or full text of unauthorized payment request). Baensa provided with a server 900 is characterized in that formed.

The payment request server may include a predetermined payment terminal (or card terminal) including at least one CAT (Credit Authorization Terminal) or at least one POS (Point Of Sales) terminal equipped with a payment function. Receive a card information and payment amount information, and generate a predetermined payment approval request text (or unauthorized payment request text) for the unauthorized micropayment processing including the card information, payment amount information, and the merchant information Characterized in that the transmission through the communication network.

Referring to FIG. 9, the Bansa server 900 for the unauthorized micropayment processing may connect and manage a payment request server provided at the affiliated store and a communication channel for transmitting / receiving specialized payments through a predetermined communication network. It is characterized by comprising (905).

The interface unit 905 includes at least one wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, xDSL-based communication network) or a public switched telephone network (PSTN). The payment request through a wired communication network, a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one or more IEEE 802.16x based wireless communication networks. It is characterized by connecting a communication channel for transmission and reception of the server and payment-related professional, and includes a modem or a network interface card (NIC) for connecting the Bansa server 900 to a predetermined wired or wireless network in hardware. Communication program for connecting the bansa server 900 to the wired / wireless network by software. It includes a protocol and / or a driver.

Referring to FIG. 9, the Bansa server 900 for the unauthorized small payment processing may include at least one card information D / B for storing at least one unauthorized small payment subject card information corresponding to the unauthorized small payment service object. 955 or a predetermined DB server equipped with the card information D / B 955.

Herein, the unauthorized small payment target card information includes a card issuer identification number corresponding to the unauthorized small payment target card among card numbers included in the card information included in the payment approval request message (or the unauthorized payment request message). It is preferable to include a card number (or a part of the card number) which can identify the card type.

For example, when the card information included in the payment approval request text (or unauthorized payment request text) includes a 16-digit credit card number or a check card number, the unauthorized small payment target card information is one of 16-digit card numbers. Preferably, the card issuer identification number and card type, or the first four digit number (or first six digit number) including the card issuer identification number or the card type are included. It may be confirmed whether the information is included in the unauthorized small payment service.

According to another exemplary embodiment of the present invention, when the unauthorized small payment service is made for all cards, storing of the unauthorized small payment target card information in the card information D / B 955 may be omitted. The present invention is not limited by this.

Referring to FIG. 9, the Bansa server 900 for the unauthorized micropayment processing may include at least one BL (Black List) corresponding to card information that cannot provide the unauthorized micropayment service. Store the unauthorized micropayment limit amount information including a limit amount for storing the micropayment BL information and / or providing the unauthorized micropayment service through a predetermined unauthorized micropayment target card; and And / or an unauthorized condition D / B that stores information on the number of unauthorized small payments including the number of unauthorized small payments that can provide the unauthorized small payment service through a predetermined unauthorized small payment target card ( 960 or in conjunction with a DB server having the unauthorized condition D / B 960.

Here, the non-authorized micro payment BL information may include a delinquent payment amount based on the previous month / month, when the credit of the customer who received the non-authorized micro payment target card or the credit card for the non-authorized micro payment includes a credit card. If the credit limit is exceeded on the previous day or if the card for which the unauthorized small payment includes a check card / debit card / cash card / financial account, the unauthorized small payment service may be canceled for reasons such as insufficient account balance or account balance lockout. Characterized in that it comprises at least one or more card number that can not be provided, the unauthorized micropayment BL information of the card information contained in the full payment approval request (or unauthorized payment request) received from the payment request server Full payment approval request (or unauthorized payment request) including card information matching the Is excluded from the processing target, it is preferable to conventional billing process in accordance with the electronic payment procedure.

In addition, the unauthorized micropayment limit amount information includes at least one daily non-payment micropayment limit amount, weekly non-approval micropayment limit amount, and monthly non-authorized micropayment limit amount for the unauthorized micropayment target card. Wherein the daily, weekly and monthly cumulative payment amount of the payment amount included in the payment approval request message (or the unauthorized payment request message) received from the payment request server is at least one of the unauthorized small payment limit amount. If the above amount is exceeded, the full payment approval request text (or unauthorized payment request text) exceeding the amount of the unauthorized small payment is excluded from the processing of the unauthorized small payment, and the payment processing according to the conventional electronic payment procedure is performed. desirable.

In addition, the number of unauthorized micropayment limit information includes at least one daily non-authorized micropayment limit, weekly non-authorized micropayment limit, and monthly non-authorized micropayment limit for the unauthorized micropayment target card. And a daily / weekly / monthly cumulative unauthorized micropayment processing count for the payment approval request full text (or unauthorized payment request full text) received from the payment request server. In the case of exceeding the above, the payment approval request text (or unauthorized payment request text) exceeding the number of unauthorized small payments is excluded from the processing of the unauthorized small payment, and the payment is processed according to the conventional electronic payment procedure. desirable.

Referring to FIG. 9, the Bansa server 900 for the unauthorized micropayment processing may be processed after the unauthorized micropayment process is normally processed through the payment approval request message (or the unauthorized payment request message). Or a storage medium 965 for storing predetermined unauthorized payment details in which card information and payment amount information and merchant information included in the full approval request text (or unauthorized payment request text) are processed. And 965) in connection with the DB server.

Referring to FIG. 9, the bansa server 900 for the unauthorized micropayment processing may transmit a predetermined payment approval request message (or a predetermined payment approval request message) from at least one or more payment request servers through a predetermined communication network in association with the interface unit 905. Card information, payment amount information, and merchant information from a professional receiving unit 910 for receiving an unauthorized payment request message) and the payment approval request message (or an unauthorized payment request message) received through the professional receiving unit 910; Unauthorized micropayment stored in the disapproved condition D / B 960 through the information extraction unit 915 to be extracted and the card information and payment amount information extracted from the payment approval request text (or unauthorized payment request text). Read BL information, and / or unauthorized micropayment limit amount information, and / or unauthorized micropayment limit information to read the full text of the payment authorization request (or the full text of the unauthorized payment request). Museung provided with a confirmation unit 920 to confirm the payment is approved characterized in that formed.

When the payment request server transmits a payment approval request message (or unauthorized payment request message) including the predetermined card information, payment amount information, and the affiliated store information corresponding to the unauthorized small payment target card, the specialized receiving unit ( 910 may receive the payment approval request message (or unauthorized payment request message) transmitted from at least one payment request server through a predetermined communication network in connection with the interface unit 905. The payment approval request text (or unauthorized payment request text) is provided to the information extraction unit 915.

When a predetermined payment approval request message (or unauthorized payment request message) including the predetermined card information, payment amount information, and the affiliated store information corresponding to the unauthorized small payment target card is received through the specialized reception unit 910, The information extracting unit 915 may extract the card information, payment amount information, and merchant information for the unauthorized micropayment processing from the received payment approval request message (or unauthorized payment request message).

When the card information and the payment amount information are extracted from the payment approval request message (or unauthorized payment request message) through the information extraction unit 915, the unauthorized confirmation unit 920 may be configured to include the extracted card information. Extract the comparison target card information (for example, part of the card number) which can be compared with the unauthorized small payment target card information stored in the card information D / B 955, and extract the extracted comparison target card information and the card information D / B. By comparing the unauthorized small settlement target card information stored in B (955), it is characterized in that whether the extracted card information is included in the unauthorized small settlement target card information.

When the extracted card information includes a 16-digit credit card number or a check card number according to an embodiment of the present invention, the card verification unit includes the card issuer identification number and card type, or the card issuer, among the 16-digit card numbers. Extract the target card information including the first four digits (or the first six digits) including the identification number or the card type, and correspond to the card issuer identification number and card type, or the card issuer identification number or card type. It is preferable to check whether the extracted card information is included in the unauthorized small payment target card by comparing the unauthorized small payment target card information with the comparison target card information.

In addition, the unauthorized confirmation unit 920 is characterized in that whether the extracted payment amount information is included in the unauthorized small payment target payment reference amount of the unauthorized small payment processing.

According to an embodiment of the present invention, if the amount of the non-authorized payment settlement target amount is 30,000 won, the unauthorized confirmation unit 920 may determine that the payment amount information extracted from the full payment approval request text (or the full text of unauthorized payment request). If the amount of payment is less than or equal to the amount of payment for the small amount of payments less than 30,000 won, it is confirmed that the amount of payment is included in the amount of payment for the unauthorized small payments for the processing of the unauthorized small payment, the full text of the payment approval request It is desirable to confirm that unauthorized payment processing (or full text of unauthorized payment request) is possible.

In addition, the unauthorized confirmation unit 920 and the card information extracted from the payment approval request full text (or unauthorized payment request full text) and the unauthorized micropayment BL information provided in the unauthorized condition D / B (960) In comparison, characterized in that the check whether the unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text).

According to an embodiment of the present invention, a card corresponding to card information extracted from the payment approval request text (or unauthorized payment request text) and the unauthorized micropayment BL information included in the unauthorized condition D / B 960 are provided. If the information does not match, the unauthorized confirmation unit 920 preferably confirms that the unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text) is possible.

In addition, the unauthorized confirmation unit 920 is linked with the storage medium 965 for storing the unauthorized payment details through the card information extracted from the payment approval request full text (or unauthorized payment request full text) Check the at least one daily, weekly or monthly unauthorized payment details corresponding to the information, the payment amount information extracted from the full payment approval request (or the full unauthorized payment request) and included in the confirmed unauthorized payment details Computing daily cumulative payment amount, weekly cumulative payment amount, monthly cumulative payment amount by summing at least one or more payment amount information, wherein the calculated at least one daily, weekly and monthly cumulative payment amount and the disapproval condition Compare the daily, weekly and monthly unapproved micropayment limit amount included in the D / B 960 with the unapproved micropayment limit amount information. Characterized in that to determine museung the payment is for professional payment authorization request (or specialized museung the payment request).

According to an exemplary embodiment of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 960 includes daily non-approved micropayment limit amount, the unauthorized confirmation unit 920 may be In connection with the storage medium 965 storing the unauthorized payment details through card information extracted from the full payment approval request message (or the unauthorized payment request message), the unauthorized payment details corresponding to the card information may be used. Calculate the cumulative payment amount based on the current date by adding the payment amount information extracted from the payment approval request message (or the unauthorized payment request message) and at least one payment amount information included in the confirmed unauthorized payment details. And the daily unauthorized micropayment included in the calculated cumulative payment amount based on the current date and the unauthorized micropayment limit amount information included in the disapproved condition D / B 960. Preferably, the limit amount is compared, and when the calculated cumulative payment amount based on the current day is smaller than the daily non-approval small payment limit amount, the unauthorized confirmation unit 920 reads the full payment approval request (or unauthorized payment). It is desirable to confirm that unauthorized payment processing for the entire request is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 960 includes the unapproved micropayment limit amount for each week, the unauthorized confirmation unit 920 reads the entire payment approval request ( Or a weekly unauthorized payment history for one week as of the current day corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through card information extracted from an unauthorized payment request message). And accumulate weekly information for one week as of the current day by adding payment amount information extracted from the payment approval request text (or unauthorized payment request text) and at least one payment information included in the confirmed unauthorized payment details. The amount of the payment is calculated, and the unpaid micropayment limit provided in the weekly cumulative payment amount and the disclaimer condition D / B 960 for one week as of the calculated current date. It is preferable to compare the weekly unpaid micropayment limit amount included in the information. When the accumulated weekly payment amount for the week is less than the weekly unpaid micropayment limit amount, the unauthorized confirmation unit 920 ), It is preferable to confirm that unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text) is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 960 includes the monthly unapproved micropayment limit amount information, the unauthorized confirmation unit 920 reads the entire payment approval request ( Or confirm the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the unauthorized payment request message). And accumulate monthly payments for one month as of the current day by summing payment amount information extracted from the payment approval request message (or unauthorized payment request message) and at least one payment amount information included in the confirmed unauthorized payment details. Calculate the amount of money, information on the cumulative monthly payment amount and the unapproved micropayment limit amount information provided in the disapproved condition D / B 960 for the calculated current month. It is preferable to compare the included monthly unpaid micropayment limit amount, and if the cumulative monthly payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the unauthorized confirmation unit 920 It is preferable to confirm that unauthorized payment processing for the payment approval request text (or unauthorized payment request text) is possible.

In addition, the unauthorized confirmation unit 920 is linked with the storage medium 965 for storing the unauthorized payment details through the card information extracted from the payment approval request full text (or unauthorized payment request full text) Check the at least one daily / weekly / monthly unauthorized payment history corresponding to the information, and count the counted daily / weekly / monthly unauthorized payment details to accumulate the daily accumulated unauthorized payment corresponding to the card information. And counting the number of times of processing, the amount of micropayments for the weekly cumulative disapproval, and the number of times of the micropayments for the monthly cumulative disapproval. The approval of the payment by comparing the daily / weekly / monthly unapproved micropayment limit included in the condition D / B (960) information It is characterized by checking whether or not the unauthorized payment processing for the full text (or unauthorized payment request full text).

According to an exemplary embodiment of the present invention, when the unauthorized small payment number limit information included in the unauthorized condition D / B 960 includes the daily unauthorized small payment number limit, the unauthorized confirmation unit 920 may be configured as described above. In connection with the storage medium 965 storing the unauthorized payment details through card information extracted from the full payment approval request message (or the unauthorized payment request message), the unauthorized payment details corresponding to the card information may be used. Confirm, and count the identified unauthorized payment details to calculate the cumulative unauthorized micropayment processing count as of the current day, and calculate the cumulative unauthorized micropayment processing count as of the current date and the unauthorized condition D / B (960). ), It is preferable to compare the daily non-authorized micropayment limit included in the information on the number of non-authorized micropayments included in the information. When the number of times is less than the daily non-approved micropayment limit, it is preferable that the unauthorized confirmation unit 920 confirms that the unauthorized payment processing for the payment approval request text (or the unauthorized payment request text) is possible. .

In addition, when the unapproved micropayment limit information provided in the unauthorized condition D / B 960 includes the number of unapproved micropayments per week, the unauthorized confirming unit 920 may provide the full payment approval request ( Or confirm the weekly unauthorized payment history for one week based on the current day corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the unauthorized payment request message). And counting the identified unauthorized payment details to calculate the number of weekly unpaid micropayments for the week for the current day, and the number of weekly unpaid micropayments for the week and the unapproved for the current day. It is preferable to compare the number of weekly unacceptable micropayments included in the information on the number of unacceptable micropayments included in the condition D / B 960. If the weekly unpaid micropayment is less than the weekly unpaid micropayment limit for one week, the disapproval check unit 920 draws a draw for the full text of the payment approval request (or the full text of the unauthorized payment request). It is desirable to confirm that the payment processing is possible.

In addition, when the non-approved micropayment limit information provided in the unauthorized condition D / B 960 includes a monthly non-approved micropayment limit, the unauthorized confirmation unit 920 reads the entire payment approval request ( Or confirm the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the unauthorized payment request message). And counting the confirmed unpaid payment details to calculate monthly cumulative unpaid micropayment processing counts for one month as of the current day, and monthly cumulative unauthorized micropayment processing counts for the current month and the unapproved bills. It is preferable to compare the number of monthly unapproved micropayments included in the information on the number of unapproved micropayments included in the condition D / B 960. If the monthly cumulative unauthorized micropayment is less than the monthly unauthorized micropayment limit for one month, the unauthorized confirmation unit 920 may approve an unauthorized payment for the full payment approval request (or unauthorized payment request). It is desirable to confirm that the treatment is possible.

Referring to FIG. 9, the Bansa server 900 for the unauthorized micropayment processing may disapprove the payment approval request text (or the unauthorized payment request text) as a result of the approval of the unauthorized approval checker 920. When it is confirmed that payment processing is possible, the payment processing for the payment approval request text (or unauthorized payment request text) is processed as virtually approved, and the unauthorized payment details including the card information, payment amount information, and merchant information are processed. And an information storage unit 930 for storing the unauthorized processing unit 925 to generate the unauthorized payment details in the storage medium 965, and confirming the unauthorized confirmation unit 920. As a result, if it is confirmed that unauthorized payment processing for the payment approval request text (or unauthorized payment request text) is possible, the full text of the payment approval request (or text for unauthorized payment request) To send a predetermined payment authorization server corresponding to the group information includes a card payment authorization processing unit (945) for performing payment approval process is characterized in that formed.

When it is confirmed that the unauthorized payment processing for the payment approval request full text (or unauthorized payment request full text) is possible, the unauthorized processing part 925 may request the full payment approval request text (or Characterized in that for generating an unauthorized payment history including the card information, payment amount information and merchant information extracted from the unauthorized payment request), the information storage unit 930 is included in the unauthorized payment history The card information, payment amount information, and affiliated store information may be stored in the storage medium 965 by interworking.

According to the method of the present invention, the unauthorized processing unit 925 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information and payment amount information and Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including merchant information, and the information storage unit 930 is included in the unauthorized payment details. The unauthorized information (or unauthorized approval code) (not shown) may be further linked to the card information, payment amount information, and merchant information, and stored in the storage medium 965.

In addition, the unauthorized processing unit 925 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information, and merchant information. Preferably, the generated unauthorized payment date and time information (not shown) is further included, and the information storage unit 930 is disapproved for the card information, payment amount information, and merchant information included in the unauthorized payment details. Payment date information (not shown) is preferably further stored in the storage medium 965 by linkage processing.

In addition, the unauthorized processing unit 925 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and the card information, payment amount information, and merchant information. It is preferable to further include the generated card company information (or payment approval server information) (not shown) in the unauthorized payment details including, wherein the information storage unit 930 is the card included in the unauthorized payment details The card company information (or payment approval server information) (not shown) may be further stored in the storage medium 965 in connection with the information, payment amount information, and merchant information.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, but the present invention includes all the information configuration inferred It is characterized by.

If it is not confirmed that the unauthorized payment processing for the payment approval request message (or unauthorized payment request message) is possible, the payment approval processing unit 945 completes the payment approval request message. (Or a full text of an unauthorized payment request) to a predetermined payment approval server corresponding to the card information, so that the payment approval server receives the payment amount through the payment means corresponding to the card information according to a conventional electronic payment procedure. Characterized in that the payment approval procedure is performed.

In the technical field to which the present invention pertains, the payment approval processing unit 945 transmits the payment approval request text (or unauthorized payment request text) to a predetermined payment approval server corresponding to the card information. By doing so, the payment approval server will be familiar with the technical features for performing the payment approval procedure for the payment amount according to the conventional electronic payment procedure, a detailed description thereof will be omitted for convenience.

Referring to FIG. 9, when a predetermined unauthorized payment details are generated by the unauthorized processing unit 925, the bansa server 900 for the unauthorized small payment processing may request the payment approval request from the unauthorized payment details. The full text generation unit 935 for generating a predetermined payment processing text including the payment processing history by considering the payment processing history for the full text (or the unauthorized payment request text) and the interface unit 905 in conjunction with the Characterized in that it comprises a specialized transmission unit 940 for transmitting the generated payment processing full text to the payment request server.

When a predetermined unauthorized payment history is generated by the unauthorized processing unit 925, the full text generation unit 935 may transmit the unauthorized payment details generated by the unauthorized processing unit 925 to the full payment approval request message (or The payment processing history for the unauthorized payment request message), and generates a predetermined payment processing message including the payment processing history.

On the other hand, if it is confirmed that the unauthorized payment processing for the payment approval request text (or the unauthorized payment request text) is not possible, the full text generation unit 935 is approved. Characterized by the verification unit 920, characterized in that for generating a predetermined payment processing text including the details of the unauthorized payment error.

When the predetermined payment processing text is generated by the text generation unit 935, the text transmission unit 940 transmits the generated payment processing text via the communication network in connection with the interface unit 905 to the payment request server. The payment request server receiving the payment processing text may provide the payment processing details included in the payment processing text to the payment terminal (or card terminal), and the payment terminal (or card terminal). Is characterized in that for outputting the screen, and / or print out the payment processing details.

Referring to FIG. 9, the bansa server 900 for the unauthorized micropayment processing generates a predetermined unauthorized payment history by the unauthorized processing unit 925, and the information storage unit 930 generates the unauthorized payment details. After the unauthorized payment details are stored in the storage medium 965, at least one unauthorized payment history stored in the storage medium 965 is periodically processed as payment approval request information to the card information through a predetermined communication means. It is characterized in that it comprises a post-approval processing unit 950 for performing the post-approval process by transmitting to the payment approval server provided in the corresponding card company / financial company.

After the predetermined unauthorized payment details are generated by the unauthorized processing unit 925, the unauthorized payment details are stored in the storage medium 965 by the information storage unit 930, and then the post-approved processing unit 950. ) Periodically extracts at least one or more unauthorized payment details that have not performed a post-approval process through a predetermined payment approval server among at least one or more unauthorized payment details stored in the storage medium 965, and at least one extracted The unauthorized payment details may be processed by the bansa server 900 as predetermined payment approval request information that can be transmitted to a payment approval server provided at a card company / financial company corresponding to the card information.

Thereafter, the post-approval processing unit 950 transmits payment approval request information including at least one or more unauthorized payment details to predetermined communication means (eg, the bansa server 900 and the payment approval server provided at each card company / financial company). Dedicated communication network for communication connection) characterized in that the transmission to the payment approval server provided in the card company / financial company corresponding to the card information.

According to an embodiment of the present invention, the post-authorization processing unit 950 may classify at least one or more unauthorized payment details extracted from the storage medium 965 for each card company / financial company based on the card information, and specify a specific card company / Generate predetermined payment approval request information including at least one unauthorized payment details corresponding to a financial company, and transfer the generated payment approval request information to predetermined communication means (eg, the bansa server 900 and each card company / financial company). Dedicated communication network for connecting the payment approval server provided in the communication) to the payment approval server corresponding to the card company / financial company is preferably post-approval processing.

After the post-approval of the at least one unauthorized payment details included in the payment approval request information is processed by the payment approval server, the payment approval server performs the respective post-approval processing results on at least one unauthorized payment history. And generating predetermined payment approval information including the generated at least one post-approval processing result and transmitting the generated payment approval information to the bansa server 900.

When predetermined payment approval information including at least one or more post-approval processing results is received from the payment approval server, the information storage unit 930 stores each post-approval processing result included in the payment approval information in the storage medium ( In addition to the unauthorized payment history stored in (965) (or the card information included in the unauthorized payment history) characterized in that the storage.

FIG. 10 is a diagram illustrating a functional configuration of a payment request server 1000 having an unauthorized small payment function according to an embodiment of the present invention.

In more detail, in FIG. 10, a payment request server 1000 provided at an affiliated store including at least one predetermined large discount mart or a department store on the unauthorized small payment system illustrated in FIG. 9 is a predetermined unauthorized payment request. In the case of a payment request server 1000 having a micro payment mode for generating a full text and transmitting it to the bansa server 900, the payment request server 1000 wins in connection with at least one payment terminal (or card terminal). A method of executing a payment request server 1000 (or a local server) having an unauthorized micropayment function that provides a fast unauthorized micropayment service through professional (or post-approval, batch approval, or batch approval) professional processing. For those of ordinary skill in the art to which the present invention pertains, reference and / or modification of the drawing 10 may be used for unauthorized payment service. Although various payment request server 1000 functional configurations may be inferred, it is to be understood that the technical features of the present invention are not limited by the drawing 10 but include all the inferred implementation methods.

According to another exemplary embodiment of the present invention, the payment request server 1000 may be a conventional payment request server 1000 that generates a predetermined payment approval request message and transmits it to the bansa server 900 according to a conventional electronic payment procedure. The present invention is not limited thereto.

According to an embodiment of the present invention, the payment request server 1000 may include at least one payment terminal (or card terminal) and a predetermined local area network (for example, a local area network (LAN)) provided in a predetermined large discount mart or department store. Receive at least one card information and payment amount information from at least one payment terminal (or card terminal) connected through the communication connection, and read the card information and payment amount information for the unauthorized micropayment service. Check whether the unauthorized micropayment processing is possible, and if the unauthorized micropayment processing is possible, a predetermined unauthorized payment request message (or full payment approval request message) including the received card information, payment amount information, and merchant information ) And transmit a predetermined bansa server 900 through a predetermined communication network.

Referring to FIG. 10, the payment request server 1000 having the unauthorized micropayment function for the unauthorized micropayment service may perform CAT / POS through a predetermined local area network (eg, a local area network (LAN)). Receive card information and payment amount information from at least one or more payment terminals (or card terminal) including, and transmits a predetermined payment processing details corresponding to the unauthorized small payment processing to the payment terminal (or card terminal) And an interface unit 1005 for connecting and managing a communication channel.

The interface unit 1005 may be a TCP / IP based communication protocol, an IPX / SPX (Internetwork Packet eXchange / Sequenced Packet eXchange) based communication protocol, or an ITU-T No.7 based communication protocol, or an ITU-T recommended X series. And connecting and managing a communication channel for transmitting and receiving information (or data) with at least one payment terminal (or card terminal) through a local area network including at least one including a communication protocol, wherein the local area network is external It is desirable to block direct exposure to the network.

According to an embodiment of the present invention, the interface unit 1005 includes a packet control function for receiving at least one or more information (or data) transmitted from a plurality of payment terminals (or card terminals), and a plurality of payment terminals (or Card terminal), a packet control function for transmitting at least one information (or data).

According to an embodiment of the present invention, the payment terminal (or card terminal) for short-range communication corresponding to the communication protocol to connect the communication channel to the payment request server 1000 through the interface unit 1005. It is preferable that a communication function is provided.

Referring to FIG. 10, the payment request server 1000 having the unauthorized micropayment function for the unauthorized micropayment service may be connected to the interface unit 1005 from at least one payment terminal (or card terminal). An information receiver 1010 for receiving card information read from a predetermined customer card, payment amount information input from a predetermined key input means (or a barcode reader or an RFID reader), and a predetermined bansa server 900 When the payment processing message including the payment processing history is received, the information transmission unit 1015 for transmitting the payment processing history included in the payment processing message in connection with the interface unit 1005 to the payment terminal (or card terminal). It characterized by comprising a.

A predetermined payment terminal (or card terminal) reads predetermined card information from the customer card through a predetermined card reader, and performs payment processing using the customer card through a predetermined key input means (or barcode reader or RFID reader). After inputting the requested payment amount, and transmitting the card information and payment amount information through the local area network, the information receiving unit 1010 in conjunction with the interface unit 1005 from the payment terminal (or card terminal) Characterized in that the received card information and payment amount information.

According to an embodiment of the present invention, the information receiving unit 1010 further receives the payment terminal (or card terminal) information in addition to the card information and payment amount information, or operator information for operating the payment terminal (or card terminal). It is preferable to further receive, whereby the present invention is not limited.

When a payment processing message including a predetermined payment processing history is received from a predetermined bansa server 900, the information transmitting unit 1015 may perform a payment processing including a predetermined payment approval history or a payment error detail from the payment processing text. Extracts the details and transmits the payment processing details to the payment terminal (or card terminal) in association with the interface unit 1005, after which the payment terminal (or card terminal) receives the received payment processing; Characterized in that the screen output or print out the details.

Referring to FIG. 10, the payment request server 1000 having the unauthorized small settlement function for the unauthorized small settlement service may include at least one unauthorized small settlement target card information corresponding to the unauthorized small settlement service object. Card information D / B 1060 for storing the information, or interworking with a predetermined DB server provided with the card information D / B 1060, or corresponding to the unauthorized payment service. If an unauthorized payment request full text (or payment approval request full text) including the predetermined unauthorized small payment target card information is generated, the unauthorized payment request full text (or payment approval) including the unauthorized small payment target card information is generated. The server information D / B 1055 for storing the Bansa server 900 information to be transmitted, or interworking with a predetermined DB server having the server information D / B 1055 It is characterized by.

The card information D / B 1060 may store at least one or more unauthorized small settlement target card information corresponding to the unauthorized small settlement service object.

Here, the unauthorized small payment target card information is read from at least one or more cards through the payment terminal (or card terminal) and the unauthorized small amount of card numbers included in the card information received through the information receiving unit 1010. The card issuer identification number corresponding to the payment target card and the card number (or a part of the card number) for identifying the card type are preferably included.

For example, when the card information received from at least one payment terminal (or card terminal) through the information receiving unit 1010 includes a 16-digit credit card number or a check card number, the unauthorized small payment target card information may be The card issuer identification number and card type of the 16-digit card number, or the first four digit number (or the first six digit number) including the card issuer identification number or the card type are preferably included. It is possible to check whether the card information received through the 1010 is included in the unauthorized small payment service target.

According to another exemplary embodiment of the present invention, when the unauthorized small payment service is made for all cards, storing of the unauthorized small payment target card information in the card information D / B 1060 may be omitted. The present invention is not limited by this.

When the server information D / B 1055 generates an unauthorized payment request message (or payment approval request message) that includes predetermined unauthorized small payment target card information corresponding to the unauthorized small payment service object, It is preferable to store the Bansa server 900 information to transmit the unauthorized payment request full text (or payment approval request full text) through the communication network of.

Here, the Bansa server 900 that receives the unauthorized payment request full text (or payment approval request full text) including the unauthorized small payment target card information receives a conventional payment approval request full text in addition to the post approval-based unauthorized small payment. And it is preferable that the bansa to be treated and other unauthorized small payment bansa provided.

According to another exemplary embodiment of the present invention, the bansa server 900 that receives the unauthorized payment request text (or payment approval request text) including the unauthorized small payment target card information may be in addition to the non-authorized payment based on the post approval. It is possible to be provided in the bansa, such as bansa for receiving and processing the conventional payment approval request full text, or provided with the unauthorized small payment function in the bansa server 900 for receiving and processing the conventional payment approval request full text, Thereby, this invention is not limited.

Referring to FIG. 10, when the payment request server 1000 having the unauthorized small settlement function for the unauthorized small settlement service receives predetermined card information and payment amount information through the information receiving unit 1010, The card information received from the payment terminal (or card terminal) is disapproved by comparing the unauthorized small payment target card information stored in the card information D / B 1060 with the card information received through the information receiving unit 1010. A card checking unit 1020 for checking whether the card is included in the small payment target card, and an amount checking unit 1025 for checking whether the payment amount information received through the information receiving unit 1010 is included in the unauthorized small payment target payment amount. And draw a payment mode corresponding to the card information and / or the payment amount according to the result of the check by the card confirmation unit 1020 and / or the amount confirmation unit 1025 for the unauthorized payment processing. And a mode setting unit 1030 for setting (or switching) a small payment function or for setting (or switching) the payment mode to an electronic payment mode for a conventional electronic payment process. The mode is an actual operation mode corresponding to the card information and / or payment amount, or a virtual operation for defining a payment function corresponding to the card information and / or payment amount according to the card information confirmation and / or the payment amount confirmation. It comprises at least one mode.

When predetermined card information is received through the information receiving unit 1010, the card checking unit 1020 is disapproved in the card information D / B 1060 among the card information received through the information receiving unit 1010. Extract the comparable card information (for example, a part of the card number) which can be compared with the micro payment target card information, and the unauthorized small payment target card stored in the extracted comparison target card information and the card information D / B 1060. By comparing the information, it is confirmed whether the card information received through the information receiving unit 1010 is included in the unauthorized small payment target card.

According to an embodiment of the present invention, when the card information received through the information receiving unit 1010 includes a 16-digit credit card number or a check card number, the card checking unit 1020 is the card of the 16-digit card number Extract card information including the issuer identification number and the card type or the first four digits (or the first six digits) including the card issuer identification number or the card type, and extract the card issuer identification number and card type. Or comparing the non-authorized micro payment target card information corresponding to the card issuer identification number or the card type with the comparison target card information, so that the card information received through the information receiving unit 1010 is applied to the non-approved micro payment target card. It is desirable to verify that it is included.

When predetermined payment amount information is received through the information receiving unit 1010, the amount checking unit 1025 checks whether the payment amount is included in an unauthorized small payment target payment reference amount for the unauthorized small payment processing. It is characterized by.

According to the embodiment of the present invention, if the amount of the non-authorized micro payment target amount is 30,000 won, the amount confirming unit 1025 determines that the predetermined amount of payment received through the information receiving unit 1010 is the non-authorized micro payment target payment. If it is less than or equal to the standard amount of 30,000 won, it is confirmed that the payment amount is included in the payment threshold amount for unauthorized small settlement for the unauthorized small settlement processing, and if it is larger than the 30,000 won, the unauthorized small settlement processing It is desirable to confirm that it does not fall within the amount of the payment threshold for unauthorized payment.

If the card check unit 1020 confirms that the card information received through the information receiving unit 1010 is included in the unauthorized small payment target card, the mode setting unit 1030 to the card information Set (or switch) a corresponding payment mode to an unauthorized micropayment function for the unauthorized micropayment processing, and if it is confirmed that the card information is not included in the unauthorized micropayment target card, Set (or switch) the payment mode corresponding to the card information to the electronic payment mode for the conventional electronic payment processing.

Alternatively, when it is confirmed by the amount confirming unit 1025 that the payment amount received through the information receiving unit 1010 is included in the payment threshold amount of the unauthorized payment, the mode setting unit 1030 is Set (or switch) the payment mode corresponding to the payment amount to the unauthorized small payment function for the unauthorized small payment processing, wherein the payment amount is not included in the unauthorized payment standard amount If it is confirmed, the payment mode corresponding to the payment amount is characterized in that the setting (or switching) to the electronic payment mode for the conventional electronic payment processing.

Alternatively, the card information received through the information receiving unit 1010 as a result of the check by the card confirming unit 1020 is included in the unauthorized payment card, the result of the check of the amount confirmation unit 1025 the information receiving unit ( When it is determined that the payment amount received through 1010 is included in the payment threshold amount of the unauthorized payment, the mode setting unit 1030 sets the payment mode corresponding to the card information and the payment amount. Set (or switch) to the unauthorized micropayment function for processing, otherwise set the payment mode corresponding to the card information and the payment amount to the electronic payment mode for the conventional electronic payment processing (or switch) It is characterized by.

Referring to FIG. 10, the payment request server 1000 is provided with at least one bansa server 900 provided with at least one bansa through a predetermined communication network to provide an unauthorized micropayment service according to the present invention. And a communication processor 1050 for connecting a communication channel for related professional transmission and reception.

The communication processing unit 1050 may include at least one wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, xDSL-based communication network) or a public switched telephone network (PSTN). A bansa server through a wired communication network, a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one or more IEEE 802.16x based wireless communication networks. And a communication channel for transmitting / receiving a payment related professional transmission and reception, and a modem or a network interface card for connecting the payment terminal (or card terminal) to a predetermined wired or wireless network in hardware. ) To connect the payment terminal (or card terminal) to the wired / wireless network in software. Communication protocol and / or driver.

Referring to FIG. 10, the payment request server 1000 is a payment mode of the payment request server 1000 by the mode setting unit 1030 in order to provide an unauthorized small payment service according to the present invention. When it is set (or switched) to the unauthorized micropayment function for the small micropayment processing, a professional generation unit 1035 for generating the unauthorized payment request full text (or payment approval request full text) for the unauthorized micropayment processing; The professional unauthorized transmission unit 1040 for transmitting the generated unauthorized payment request message (or payment approval request message) on the communication network through the communication processing unit 1050, and through the communication processing unit 1050 Characterized in that it comprises a specialized receiving unit 1045 for receiving a payment approval message including the payment processing history corresponding to the payment approval request full text from the bansa server 900 on the communication network.

When the payment mode of the payment request server 1000 is set (or switched) to an unauthorized micropayment function for the unauthorized micropayment processing by the mode setting unit 1030, the full text generation unit 1035 may be configured. Generating an unauthorized payment request message (or payment approval request message) including at least one or more card information received through the information receiving unit 1010, a payment amount, and merchant information provided with the payment request server 1000. And provides the generated unauthorized payment request message (or payment approval request message) to the specialized transmission unit 1040.

According to one embodiment of the invention, the full text generation unit 1035 is the card information and payment amount received through the information receiving unit 1010, as shown in Figure 11 for the unauthorized small payment processing, and the Preferably, the payment request server 1000 generates an unauthorized payment request message including at least one or more merchant information provided, and the unauthorized payment request message is approved through the specialized transmission unit 1040. The bansa server 900 on the communication network providing the service is preferably transmitted.

According to another exemplary embodiment of the present invention, the full text generation unit 1035 generates a conventional payment approval request full text for the non-approval micropayment processing, and the full text payment approval request is through the full text transmission unit 1040. It is preferable that the bansa server 900 on the communication network providing the unauthorized micropayment service is transmitted.

The specialized transmission unit 1040 provides the unauthorized small payment service through the communication processing unit 1050 to the unauthorized payment request full text (or payment approval request full text) generated by the professional generating unit 1035. The bansa server 900 on the communication network is characterized in that for transmitting.

According to the implementation method of the present invention, when the unauthorized payment request full text (or payment approval request full text) is generated for the unauthorized micropayment processing by the full text generation part 1035, the full text message transmission part 1040 The Bansa server 900 information corresponding to the unauthorized small payment bansa server 900 is extracted from the server information D / B 1055, and the Bansa server 900 information is transferred to the Bansa server 900 through the communication processor 1050. It is preferable that the bansa server 900 on the corresponding communication network transmits the unauthorized payment request full text (or payment approval request full text).

Here, the unauthorized small payment bansa server 900 is made, including a server provided in the unauthorized small payment dedicated bansa to perform the unauthorized small payment process for providing the unauthorized small payment service, or the conventional bansa It is preferable that the server comprises a server provided to provide the unauthorized small payment service, or a bansa server 900 having the unauthorized small payment processing function in the conventional bansa.

According to the implementation method of the present invention, the unauthorized payment request full text (or payment approval request full text) is received after the bansa server 900 through the communication network, is used to perform the unauthorized small payment procedure according to the present invention. Afterwards, the unauthorized small payment bansa server 900 generates a predetermined payment processing full text including payment processing details corresponding to any one of payment approval details or payment error details corresponding to the unauthorized payment processing result. The payment request server 1000 is transmitted through the communication network.

After the bansa server 900 transmits the unauthorized payment request message (or payment approval request message) through the specialized transmitter 1040, the expert receiver 1045 transmits the communication network through the communication processor 1050. From the Bansa server 900 on the payment whether or not a payment processing message including a payment processing history corresponding to the unauthorized payment request full text (or payment approval request full text) is received periodically (or in a specialized reception event of the communication processing unit 1050). By reaction).

If a payment processing message including a payment processing history corresponding to the unauthorized payment request message (or payment approval request message) is received through the communication processing unit 1050, the specialized receiving unit 1045 receives the payment processing message. After receiving and providing the information to the information transmission unit 1015, the information transmission unit 1015 in conjunction with the interface unit 1005, the payment processing details (for example, payment approval details, or payments included in the full payment processing) Error history) is transmitted to the payment terminal (or card terminal), and the payment terminal (or card terminal) outputs or prints out the payment processing history, whereby the unauthorized small payment is made. The unauthorized micropayment procedure for the service is completed.

11 is a view illustrating an unauthorized payment request professional structure for the unauthorized small payment processing according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates the micropayment when the payment request server 1000 on the unauthorized micropayment system shown in FIG. 9 is a payment request server 1000 including the micropayment mode shown in FIG. As for the unauthorized payment request professional structure generated for the unauthorized micropayment processing in the payment request server 1000 equipped with the mode, specifically, the reading request server 1000 shown in FIG. 10 is read from the customer card. When the card information includes the credit card information, it relates to the unauthorized payment request specialized structure generated for the unauthorized micropayment processing based on the credit card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11, and each card information (e.g., check card information, debit card information, prepaid card information, etc.) as intended by those skilled in the art. In response to this, it would be possible to infer various unauthorized payment request specialized structures for the unauthorized micropayment process, but the present invention includes all the implementation methods inferred, and this unauthorized payment request specialized structure is illustrated in FIG. It is by no means limited to.

Referring to FIG. 11, the unauthorized payment request full text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And after the terminating character, further comprising a checksum (CRC-CCITT) for the specialized information.

The unauthorized payment request text includes a transaction classification item (for example, an unauthorized unauthorized small payment request, an unauthorized unauthorized small payment cancellation, etc.) and the payment request server 1000 shown in FIG. Payment means obtained from a predetermined card through a Terminal_ID item corresponding to a (or an affiliated store provided with the payment request server 1000), a POS Entry Mode item, and a card reader provided at the payment request server 1000. Credit card information obtained from a TRACK II Data item corresponding to the information (for example, a primary account number (PAN) area of the TRACK II of the MS card, additional data (AD) and / or a discrete data (DD) area, or an IC card). Credit card information obtained from the credit card file), and the installment months and total amount items and service charge items corresponding to the credit card payment information after a predetermined FS (File Separator, 0X1C). It included, and also comprise the Working Key Index and entry, password entry, product code, serial number entries and journal entries.

Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each item included in the full text of the unauthorized payment request based on the contents shown in FIG. Detailed description will be omitted.

12 is a diagram illustrating an operation process of the payment request server 1000 for the unauthorized small payment processing according to the embodiment of the present invention.

In more detail, FIG. 12 illustrates a case where the payment request server 1000 on the unauthorized payment system shown in FIG. 9 is the payment request server 1000 having the micropayment mode shown in FIG. As a process for providing a fast unauthorized micropayment service through the disapproval (or post-approval, batch approval, or batch approval) specialized processing in the request server 1000, the general knowledge in the technical field to which the present invention belongs. If the person having the present invention, the operation of the payment request server 1000 for the unauthorized micropayment service can be inferred by referring to and / or modifying the drawing 12. However, the present invention provides all the inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 12, at the payment request server 1000 shown in FIG. 10, at least one payment terminal (or card terminal) provided in the affiliated store receives predetermined card information and payment amount information through a predetermined local area network. It will be described by receiving, confirming that the card information is included in the unauthorized small payment target card information, and confirming that the payment amount includes the unauthorized small payment reference amount, thereby implementing the method of the present invention. The present invention is not limited thereto, and the order of the unauthorized small settlement target card information verification and the unauthorized small settlement reference amount verification process may be changed, and the present invention is not limited thereto.

Hereinafter, in FIG. 12, the payment request server 1000 illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 12, the server shown in FIG. 10 confirms whether predetermined card information and payment amount information are received from a predetermined local area network from at least one or more payment terminals (or card terminals) provided in the affiliated store ( 1200).

If predetermined card information and payment amount information are received from the payment terminal (or card terminal) (1205), the server reads the received card information and the card information is disapproved for the unauthorized payment processing. Check whether the small payment target card information is included (1210).

According to the embodiment of the present invention, the server compares the card information received from the payment terminal (or card terminal) with the unauthorized small payment target card information stored in the card information D / B 1060. Information is extracted through the card reader by extracting information (for example, a part of the card number) and comparing the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 1060. It is preferable to confirm whether the card information is included in the unauthorized small payment target card information.

For example, when the card information received from the payment terminal (or card terminal) includes a 16-digit credit card number or a check card number, the server may include the card issuer identification number and card type of the 16-digit card number, or the Extracts the target card information including the first four digits (or the first six digits) including the card issuer identification number or the card type, and the card issuer identification number and card type, or the card issuer identification number or card. It is preferable to check whether the card information read through the card reader is included in the unauthorized small settlement target card information by comparing the unauthorized small settlement target card information corresponding to the type with the comparison target card information.

If the received card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (1215), the server conventionally sets the payment mode for the card information and / or the payment amount. Set (or switch) to an electronic payment mode (1220), generate a predetermined payment approval request text including the card information, payment amount information, and merchant information (1225), and generate the predetermined payment approval request text It transmits to the bansa server 900 that performs the conventional electronic payment procedure through the communication network (1230).

Persons having ordinary knowledge in the technical field to which the present invention belongs may be familiar with technical features of performing a conventional electronic payment procedure through the payment approval request text in the bansa server 900 having received the payment approval request text. Therefore, detailed description thereof will be omitted for convenience.

On the other hand, if the read card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (1215), the server reads the received payment amount information and the payment amount is unauthorized Verify that it includes a small payment threshold (1235).

According to an embodiment of the present invention, if the amount of the non-authorized micro payment target is 30,000 won, the server determines that the predetermined amount of money input from the key input means (or barcode reader or RFID reader) is the non-authorized micro payment subject. If it is less than or equal to the standard amount of 30,000 won, it is confirmed that the payment amount is included in the payment threshold amount for unauthorized small settlement for the unauthorized small settlement processing, and if it is larger than the 30,000 won, the unauthorized small settlement processing It is desirable to confirm that it does not fall within the amount of the payment threshold for unauthorized payment.

If the input payment amount does not include an unauthorized small payment reference amount (1240), the server sets (or switches) the payment mode for the card information and / or payment amount to a conventional electronic payment mode (1220). And a predetermined payment approval request message including the card information, payment amount information, and merchant information (1225), and the generated payment approval request message is a bansa server performing a conventional electronic payment procedure through a predetermined communication network. And transmits to 900 (1230).

Those skilled in the art to which the present invention pertains, know the technical features of performing the conventional electronic payment procedure through the full payment approval request in the Bansa server (900) receiving the full payment approval request Since there will be, a detailed description thereof will be omitted for convenience.

On the other hand, if the input payment amount includes the unauthorized small payment reference amount (1240), the server sets (or switches) the payment mode for the card information and / or payment amount to the small payment mode (1245), Generate a predetermined unauthorized payment request full text including the card information, payment amount information and merchant information (1250), the generated unauthorized payment request full text is the unauthorized small payment bansa server 900 through a predetermined communication network (1255).

Here, the unauthorized small payment bansa server 900 is made, including a server provided in the unauthorized small payment dedicated bansa to perform the unauthorized small payment process for providing the unauthorized small payment service, or the conventional bansa It is preferable that the server comprises a server provided to provide the unauthorized small payment service, or a bansa server 900 having the unauthorized small payment processing function in the conventional bansa.

13A and 13B illustrate an unauthorized micropayment processing process through a payment request server 1000 equipped with a micropayment mode according to an exemplary embodiment of the present invention.

13a and 13b show the payment request server 1000 on the unauthorized small payment system shown in FIG. 9 when the payment request server 1000 has the small payment mode shown in FIG. In the payment request server 1000 equipped with the micropayment mode, a predetermined unauthorized payment request message for the unauthorized micropayment processing is generated and transmitted through a predetermined communication network, the unauthorized micropayment shown in FIG. The Bansa server 900 on the system reads a predetermined disapproval condition through card information and payment amount information included in the disapproval payment request text, and processes payment in a disapproval manner corresponding to the disapproval payment request text. As for the process, specifically, if an unauthorized payment error occurs in the unauthorized payment process, the unauthorized payment error in the bansa server (900) It relates to an implementation method for transmitting the details of the flow to the payment request server 1000.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 13a and 13b to infer various implementation methods for the unauthorized micropayment process. It is to be understood that the technical features are not limited to the drawings 13a and 13b but include all the inferred implementation methods.

For example, in FIGS. 13A and 13B, the Bansa server 900 confirms that the card information is included in the unauthorized small payment target card information, and confirms that the payment amount includes the unauthorized small payment reference amount. Although illustrated as including a process of performing the above process, the process may be omitted since the process has been performed in advance in the operation of the payment request server 1000 illustrated in FIG. 12, and the present invention is not limited thereto.

Referring to FIGS. 13A and 13B, a predetermined disapproval including card information and payment amount information received from a payment terminal (or a card terminal) provided in the affiliated store in the payment request server 1000 shown in FIG. When the payment request message is generated and transmitted, the bansa server 900 illustrated in FIG. 9 receives the unauthorized payment request message through a predetermined communication network (1300), and the bansa server 900 receives the received draw. Extract the card information and payment amount information merchant information from the full payment request message (1305), and read the extracted card information to include the unauthorized small payment target card information for the unauthorized small payment processing; Check if it is made (1310).

According to an exemplary embodiment of the present invention, the bansa server 900 may compare the card information (for example, the card information D / B 1060 that is stored in the card information D / B 1060) with which the card information can be compared. A part of the card number) and compare the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 1060 so that the card information read through the card reader wins. It is desirable to check whether the card information is included in the phosphorus payment card information.

For example, when the extracted card information includes a 16-digit credit card number or a check card number, the bansa server 900 may include the card issuer identification number and card type, or the card issuer identification number among the 16-digit card numbers. Extract card information including the first four digits (or first six digits) including the card type, and draw the card issuer identification number and card type, or the card issuer identification number or card type corresponding to the card type. It is preferable to check whether the card information read through the card reader is included in the unauthorized small payment target card information by comparing the small card payment target card information with the comparison target card information.

If the extracted card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (1315), the bansa server 900 includes the predetermined small card error information. Generate an unauthorized payment error history (1360), process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing full text (1365), and generate the generated payment processing full text through the communication network; The payment request server 1000 is transmitted to the payment request server 1000 (1370). In response, the payment request server 1000 receives the payment processing message through the communication network, and the payment processing details (eg, The unauthorized payment error details) are provided to the payment terminal (or card terminal) provided in the affiliated store (1375), and the payment terminal (or card terminal) provided with the payment processing details. The settlement processing history to display output (and / or printout)

If the extracted card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (1315), the bansa server 900 reads the extracted payment amount information and the winning It is checked whether the payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1320).

According to an embodiment of the present invention, if the non-authorized micro payment target payment amount is 30,000 won, the bansa server 900 determines that the non-authorized micro payment target payment amount information is extracted from the full amount of the unauthorized payment request. If the amount is less than or equal to 30,000 won, the payment amount is confirmed to be included in the amount of the unauthorized small payment target payment standard for the unauthorized small payment processing, and the unauthorized payment processing for the entire unauthorized payment request is possible. It is preferable to confirm that it is.

If the unauthorized payment request amount does not include a predetermined unauthorized small settlement reference amount for the unauthorized small settlement processing (1325), the bansa server 900 includes the unauthorized small settlement reference amount error information. Generate a predetermined unauthorized payment error history (1360), process the unauthorized payment error history as the payment processing history, generate a predetermined payment processing message (1365), and generate the generated payment processing message in the communication network; The payment request server 1000 is transmitted to the payment request server 1000 through 1370. In response thereto, the payment request server 1000 receives the payment processing text message through the communication network, and the payment processing history included in the payment processing text message ( For example, the unauthorized payment error details) are provided to the payment terminal (or card terminal) provided in the affiliate store (1375), and the payment terminal (or card provided with the payment processing details). The terminal) outputs (and / or prints) the payment processing details.

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1325), the bansa server 900 reads the extracted card information to make the unauthorized payment. In operation 1330, the card information included in the request message is included in the unauthorized small payment BL.

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the unauthorized credit card includes a check card / debit card / cash card / financial account Characterized in that it comprises at least one or more card number that can not be provided for the unauthorized payment service, the unauthorized micropayment of the card information included in the unauthorized payment request message received from the payment request server 1000 The full text of the unauthorized payment request including the card information matching BL information is excluded from the processing of the unauthorized small payment. It is preferable.

According to the method of the present invention, the bansa server 900 is a card corresponding to the card information extracted from the unauthorized payment request message and the unauthorized micropayment BL information provided in the unauthorized condition D / B (960) If the card information corresponding to the extracted card information and the unauthorized micropayment BL information included in the unauthorized condition D / B 960 do not match, the unauthorized payment request is confirmed. It is desirable to confirm that unauthorized payment processing for the full text is possible.

If the card information included in the full unauthorized payment request is included in the unauthorized small payment BL (1335), the bansa server 900 is a predetermined unauthorized payment error including the unauthorized small settlement BL error information. Generate a details (1360), process the unauthorized payment error details as the payment processing details, generate a predetermined payment processing message (1365), and generate the generated payment processing message through the communication network through the payment request server ( 1000, and in response thereto, the payment request server 1000 receives the payment processing message through the communication network, and includes a payment processing history (eg, unauthorized payment error details) included in the payment processing message. ) Is provided to the payment terminal (or card terminal) provided in the merchant (1375), and the payment terminal (or card terminal) provided with the payment processing details displays the payment processing details (and / Or printout)

If the card information included in the unauthorized payment request message is not included in the unauthorized small payment BL (1335), the bansa server 900 matches the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment details is read to determine whether the payment amount included in the entire unauthorized payment request exceeds a predetermined unauthorized payment amount (1340).

According to the implementation method of the present invention, the unacceptable micropayment limit information, the daily unacceptable micropayment limit amount for the unapproved micropayment target card, the weekly unacceptable micropayment limit amount, and the monthly unacceptable micropayment limit amount It characterized in that it comprises at least one, wherein the daily, weekly and monthly cumulative payment amount of the payment amount contained in the unauthorized payment request message received from the payment request server 1000 of the unauthorized small payment limit amount of If more than one or more, the full amount of the unauthorized payment request that exceeds the unauthorized small payment amount is preferably excluded from the unauthorized small payment processing.

According to an embodiment of the present invention, the bansa server 900 corresponds to the card information in association with the storage medium 965 that stores the unauthorized payment details through card information extracted from the full unauthorized payment request. Confirm at least one daily / weekly / monthly unauthorized payment history, and add up the payment amount information extracted from the full text of the unauthorized payment request and at least one payment amount information included in the confirmed unauthorized payment details; It is preferable to calculate the daily cumulative payment amount, the weekly cumulative payment amount, and the monthly cumulative payment amount, and the calculated at least one daily / weekly / monthly cumulative payment amount and the draw provided in the disapproval condition D / B 960 Compare the daily, weekly and monthly unapproved micropayment limit amount included in the micropayment limit amount information to It is preferable to make the payment is approved.

According to the method of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 960 includes the daily non-approved micropayment limit amount, the bansa server 900 is disapproved. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the payment request full text, and the unauthorized payment request text A cumulative payment amount based on the current date is calculated by adding the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment details, and calculating the cumulative payment amount based on the calculated current date and the disapproval condition. It is preferable to compare the daily unauthorized small settlement limit amount included in the unauthorized small settlement limit amount information provided in the D / B 960, and the calculated If in Japan based on the cumulative payment amount is less than the amount of the daily museung micropayments limit, the baensa server 900 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 960 includes the unapproved micropayment limit amount per week, the bansa server 900 is extracted from the full text of the unauthorized payment request. Confirm the weekly unauthorized payment history for one week from the current day corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the weekly payment amount for the week for the current day, and the weekly payment for the week for the calculated current day. Compare the amount and the amount of the weekly micropayment limit included in the unauthorized micropayment limit amount information included in the non-approval condition D / B 960 Preferably, if the cumulative weekly payment amount is less than the weekly unpaid micropayment limit amount for one week as of the calculated current day, the bansa server 900 is the unauthorized payment processing for the full text of the unauthorized payment request It is desirable to confirm that it is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 960 includes monthly unapproved micropayment limit amount information, the bansa server 900 is extracted from the full text of the unauthorized payment request. Confirm the monthly unauthorized payment history for the current month corresponding to the card information in association with the storage medium 965 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the monthly cumulative payment amount for the current month, and the monthly cumulative amount for the calculated current month. Comparing the settlement amount and the monthly unauthorized micropayment limit amount included in the unauthorized micropayment limit amount information included in the unauthorized condition D / B 960. Preferably, if the monthly cumulative payment amount is less than the monthly non-payment micropayment limit amount for the calculated current month, the bansa server 900 is capable of unauthorized payment processing for the full text of the unauthorized payment request It is preferable to confirm that it is.

If the cumulative settlement amount including the settlement amount included in the unauthorized payment request text exceeds the unauthorized small settlement limit amount (1345), the bansa server 900 may receive the unauthorized small settlement limit amount error information. Generate a predetermined unauthorized payment error history including 1360, generate the predetermined payment processing full text by processing the unauthorized payment error history as the payment processing history (1365), and generate the full payment processing full text. The payment request server 1000 is transmitted to the payment request server 1000 through the communication network 1370. In response, the payment request server 1000 receives the payment processing message through the communication network, and the payment processing included in the payment processing message is included. The payment terminal (or unauthorized payment error details) is provided to the payment terminal (or card terminal) provided in the affiliated store (1375), and the payment terminal (or the payment processing history) is provided. Card terminal) outputs (and / or prints) the payment processing details.

If the cumulative payment amount including the payment amount included in the unauthorized payment request text does not exceed the unauthorized small payment limit amount (1345), the bansa server 900 may be configured to display the extracted card information through the extracted card information. At least one unauthorized payment details matched with the card information is counted to determine whether the cumulative unauthorized small settlement processing number corresponding to the card information exceeds a predetermined unauthorized small settlement number limit (1350).

According to the implementation method of the present invention, the unauthorized small payment number limit information, the daily unauthorized small payment number limit for the unauthorized small payment target card, the weekly small payment amount limit, the number of unapproved small payments per month limit It characterized in that it comprises at least one, wherein the number of daily / weekly / monthly cumulative unauthorized micropayment processing times for the unauthorized payment request text received from the payment request server 1000 of the number of unauthorized micropayments When at least one or more is exceeded, it is preferable that an unauthorized payment request text that exceeds the number of unauthorized small payments is excluded from the unauthorized small payment processing.

According to an embodiment of the present invention, the bansa server 900 corresponds to the card information in association with the storage medium 965 that stores the unauthorized payment details through card information extracted from the full unauthorized payment request. Check at least one daily / weekly / monthly unauthorized payment history, and count the counted daily / weekly / monthly unauthorized payment history to count the daily cumulative unauthorized micropayments corresponding to the card information; It is preferable to calculate the number of weekly cumulative micropayments and the number of monthly unpaid micropayments. The non-approved payment request is compared by comparing the daily, weekly and monthly unapproved micropayment limit included in the information on the number of unauthorized micropayments provided at 960. To make the museung the payment is on the door are preferred.

According to an exemplary embodiment of the present invention, when the unauthorized small payment number limit information included in the unauthorized condition D / B 960 includes the daily unauthorized small payment number limit, the bansa server 900 is the unauthorized application. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the full payment request, and the confirmed unauthorized payment By counting the details to calculate the cumulative unpaid micropayment processing frequency as of the current day, the calculated cumulative unpaid micropayment processing frequency as of the current day and the number of unapproved micropayments provided in the disapproved condition D / B (960). It is preferable to compare the daily non-approved micropayment limit included in the limit information, and the calculated unapproved micropayment number of times as of the current day is calculated. Is smaller than the limit number of times, the baensa server 900 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the unauthorized small settlement number limit information provided in the unauthorized condition D / B (960) includes the weekly unauthorized small settlement number limit, the bansa server 900 is extracted from the full unauthorized payment request Confirm the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 965 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the cumulative weekly unpaid micropayment processing frequency for one week as of the current day, and to calculate the cumulative unpaid micropayment processing weekly for the week based on the calculated current day and the disapproved condition D / B (960). It is preferable to compare the number of unapproved micropayments per week included in the information on the number of unapproved micropayments. If the number of unauthorized small payment processing is less than the limit of the number of unauthorized small payments per week, it is preferable that the bansa server 900 confirms that the unauthorized payment processing for the entire unauthorized payment request is possible.

In addition, when the unauthorized small payment number limit information provided in the unauthorized condition D / B (960) includes the monthly unauthorized small payment number limit, the bansa server 900 is extracted from the full unauthorized payment request Confirms the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the monthly cumulative unpaid micropayment processing counts for the current month, and calculate the monthly cumulative unapproved micropayment processing counts for the current month and the unconditional conditions D / B (960). It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments provided, and the monthly cumulative disapproval for one month on the basis of the calculated current date. When the number of micropayments is less than the monthly non-payment limit, it is preferable that the bansa server 900 confirms that unauthorized payment processing for the entire unauthorized payment request is possible.

If the cumulative unauthorized micropayment processing count corresponding to the card information included in the unauthorized payment request text exceeds a predetermined unauthorized micropayment limit (1355), the bansa server 900 may perform the unauthorized micropayment. Generate a predetermined unauthorized payment error history including the payment limit error information (1360), and process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing full text (1365), the generation The payment processing message is transmitted to the payment request server 1000 through the communication network (1370), and in response, the payment request server 1000 receives the payment processing message through the communication network, and the payment processing message Provide the payment processing details (eg, unauthorized payment error details) included in the payment terminal (or card terminal) provided in the merchant (1375) and provide the payment processing details. The payment terminal (or the card terminal) is output screen (and / or print output) to the payment processing history

If the cumulative unauthorized micropayment processing count corresponding to the card information included in the unauthorized payment request text does not exceed a predetermined unauthorized micropayment limit (1355), the bansa server 900 may approve the unauthorized approval. Generate a predetermined unauthorized payment details including card information and payment amount information and the merchant information extracted from the full payment request (1380), and the card information and payment amount information and merchant information included in the unauthorized payment details In operation 1385, the data is stored in a predetermined storage medium 965.

According to the method of the present invention, the bansa server 900 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 900 is included in the unauthorized payment details. Preferably, the unauthorized information (or unauthorized approval code) (not shown) is further linked to the card information, payment amount information, and merchant information, and stored in the storage medium 965.

In addition, the bansa server 900 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information and merchant information; It is preferable to further include the generated unauthorized payment date and time information (not shown), and correspondingly, the bansa server 900 draws the card information, payment amount information, and merchant information included in the unauthorized payment details. The payment date information (not shown) is preferably stored in the storage medium 965 by further processing the connection.

Further, the bansa server 900 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated credit card company information (or payment approval server information) (not shown) in the unauthorized payment history to be included, and correspondingly, the bansa server 900 is included in the unauthorized payment history The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 965.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, but the present invention includes all the information configuration inferred It is characterized by.

Thereafter, the bansa server 900 generates the predetermined payment processing text by processing the unauthorized payment details as the payment processing history for the unauthorized payment request message (1380), and generates the generated payment processing text in the communication network. Transfer to the payment request server 1000 through (1395), in response to the payment request server 1000 receives the full payment processing through the communication network, the payment processing history contained in the payment processing full text (Eg, unauthorized payment details) is provided to the payment terminal (or card terminal) provided in the merchant (1399), and the payment terminal (or card terminal) provided with the payment processing history screens the payment processing details. Output (and / or print)

14A and 14B illustrate an unauthorized micropayment processing process through a payment request server 1000 equipped with a micropayment mode according to another exemplary embodiment of the present invention.

In more detail, FIGS. 14A and 14B illustrate a case where the payment request server 1000 on the unauthorized small payment system illustrated in FIG. 9 is a payment request server 1000 provided with the micropayment mode illustrated in FIG. In the payment request server 1000 equipped with the micropayment mode, a predetermined unauthorized payment request message for the unauthorized micropayment processing is generated and transmitted through a predetermined communication network, the unauthorized micropayment shown in FIG. The Bansa server 900 on the system reads a predetermined disapproval condition through card information and payment amount information included in the disapproval payment request text, and processes payment in a disapproval manner corresponding to the disapproval payment request text. As for the process, in detail, if an unauthorized payment error occurs in the unauthorized payment process, the unauthorized payment request from the bansa server (900) The present invention relates to a method for processing payment approval in real time in connection with a payment approval server provided at a card company / financial company corresponding to the card information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 14a and 14b to infer various implementation methods for the unauthorized micropayment process. It is to be understood that the technical features are not limited by the drawings 14a and 14b, but include all the inferred implementation methods.

For example, in FIGS. 14A and 14B, the bansa server 900 checks whether the card information is included in the unauthorized small payment target card information, and checks whether the payment amount includes the unauthorized small payment reference amount. Although illustrated as including a process, the process may be omitted since the process was previously performed in the operation process of the payment request server 1000 shown in FIG. 12, and the present invention is not limited thereto.

Referring to FIGS. 14A and 14B, a predetermined disapproval including card information and payment amount information received from a payment terminal (or a card terminal) provided in the affiliated store in the payment request server 1000 shown in FIG. When the payment request message is generated and transmitted, the bansa server 900 shown in FIG. 9 receives the unauthorized payment request message through a predetermined communication network (1400), and the bansa server 900 receives the received draw. Extract the card information and payment amount information merchant information from the full payment request message (1405), and read the extracted card information to include the unauthorized small payment target card information for the unauthorized small payment processing; Check if it is made (1410).

According to an exemplary embodiment of the present invention, the bansa server 900 may compare the card information (for example, the card information D / B 1060 that is stored in the card information D / B 1060) with which the card information can be compared. A part of the card number) and compare the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 1060 so that the card information read through the card reader wins. It is desirable to check whether the card information is included in the phosphorus payment card information.

For example, when the extracted card information includes a 16-digit credit card number or a check card number, the bansa server 900 may include the card issuer identification number and card type, or the card issuer identification number among the 16-digit card numbers. Extract card information including the first four digits (or first six digits) including the card type, and draw the card issuer identification number and card type, or the card issuer identification number or card type corresponding to the card type. It is preferable to check whether the card information read through the card reader is included in the unauthorized small payment target card information by comparing the small card payment target card information with the comparison target card information.

If the check result is that the extracted card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (1415), the bansa server (900) is the card information for the unauthorized payment request information Process the payment approval request that can be transmitted to the payment approval server corresponding to the transfer to the payment approval server through a predetermined communication means (1460), and in response to the payment approval server corresponding to the payment approval request full text Perform a predetermined payment approval procedure, generate a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) to the bansa server 900 through the communication means. After the transmission (1465), the bansa server 900 transmits the full payment approval to the payment request server 1000 through the communication network (1470), In response, the payment request server 1000 receives the payment processing message through the communication network, extracts a payment processing detail (for example, unauthorized payment error details) included in the payment processing message, Provided to the payment terminal (or card terminal) (1475), the payment terminal (or card terminal) provided with the payment processing history screen output (and / or print output) of the payment processing history.

If the extracted card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (1415), the bansa server 900 reads the extracted payment amount information and the winning It is checked whether the payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1420).

According to an embodiment of the present invention, if the non-authorized micro payment target payment amount is 30,000 won, the bansa server 900 determines that the non-authorized micro payment target payment amount information is extracted from the full amount of the unauthorized payment request. If the amount is less than or equal to 30,000 won, the payment amount is confirmed to be included in the amount of the unauthorized small payment target payment standard for the unauthorized small payment processing, and the unauthorized payment processing for the entire unauthorized payment request is possible. It is preferable to confirm that it is.

If the unauthorized payment request amount does not include a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1425), the bansa server (900) is a full text of the unauthorized payment request to the card information Processes a payment approval request full text that can be transmitted to the corresponding payment approval server and transmits it to the payment approval server through a predetermined communication means (1460), and correspondingly, the payment approval server corresponds to the predetermined payment approval request text. Performs a payment approval procedure of the user, generates a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error), and transmits it to the bansa server 900 through the communication means. In operation 1465, the bansa server 900 transmits the payment approval message to the payment request server 1000 through the communication network 1470. The payment request server 1000 receives the payment processing text through the communication network, extracts the payment processing details (eg, unauthorized payment error details) included in the payment processing text and the payment provided in the affiliate store. Provided to the terminal (or card terminal) (1475), the payment terminal (or card terminal) receiving the payment processing details screen output (and / or print output) of the payment processing details.

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1425), the bansa server 900 reads the extracted card information to make the unauthorized payment. In operation 1430, the card information included in the request message is included in the unauthorized small payment BL.

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the unauthorized credit card includes a check card / debit card / cash card / financial account Characterized in that it comprises at least one or more card number that can not be provided for the unauthorized payment service, the unauthorized micropayment of the card information included in the unauthorized payment request message received from the payment request server 1000 The full text of the unauthorized payment request including the card information matching the BL information is excluded from the processing of the unauthorized small payment. Therefore, it is preferable to process payment according to the conventional electronic payment procedure.

According to the method of the present invention, the bansa server 900 is a card corresponding to the card information extracted from the unauthorized payment request message and the unauthorized micropayment BL information provided in the unauthorized condition D / B (960) If the card information corresponding to the extracted card information and the unauthorized micropayment BL information included in the unauthorized condition D / B 960 do not match, the unauthorized payment request is confirmed. It is desirable to confirm that unauthorized payment processing for the full text is possible.

If the card information included in the unauthorized payment request message is included in the unauthorized small payment BL (1435), the bansa server 900 transfers the unauthorized payment request message to the payment approval server corresponding to the card information. It is processed as a payment approval request text that can be transmitted and transmitted to the payment approval server through a predetermined communication means (1460). In response, the payment approval server performs a predetermined payment approval procedure corresponding to the payment approval request text. And generating a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) and transmitting it to the bansa server 900 through the communication means (1465). The bansa server 900 transmits the full payment approval to the payment request server 1000 through the communication network (1470). Receiving the payment processing full text through a communication network, and extracts the payment processing history (for example, unauthorized payment error details) included in the payment processing full text and provide it to the payment terminal (or card terminal) provided in the merchant; In operation 1475, the payment terminal (or card terminal) provided with the payment processing details outputs (and / or prints) the payment processing details.

If the card information included in the unauthorized payment request message is not included in the unauthorized small payment BL (1435), the bansa server 900 matches the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment details is read to determine whether the payment amount included in the full text of the unauthorized payment request exceeds a predetermined unauthorized payment amount (1440).

According to the implementation method of the present invention, the unacceptable micropayment limit information, the daily unacceptable micropayment limit amount for the unapproved micropayment target card, the weekly unacceptable micropayment limit amount, and the monthly unacceptable micropayment limit amount It characterized in that it comprises at least one, wherein the daily, weekly and monthly cumulative payment amount of the payment amount contained in the unauthorized payment request message received from the payment request server 1000 of the unauthorized small payment limit amount of In the case of exceeding at least one, the full amount of the unauthorized payment request exceeding the unauthorized small payment limit amount is excluded from the unauthorized small payment processing object, and the payment processing is preferably performed according to a conventional electronic payment procedure.

According to an embodiment of the present invention, the bansa server 900 corresponds to the card information in association with the storage medium 965 that stores the unauthorized payment details through card information extracted from the full unauthorized payment request. Confirm at least one daily / weekly / monthly unauthorized payment history, and add the amount of payment information extracted from the full text of the unauthorized payment request and at least one amount of payment information included in the identified unauthorized payment details It is preferable to calculate the cumulative settlement amount, the cumulative settlement amount per week, and the monthly cumulative settlement amount, and the at least one calculated daily / weekly / monthly cumulative settlement amount and the disapproval provided in the disapproval condition D / B 960 Compare the daily, weekly and monthly unapproved micropayment limit amount included in the micropayment limit information for the full text of the unauthorized payment request. It is preferable to make the payment is approved.

According to the method of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 960 includes the daily non-approved micropayment limit amount, the bansa server 900 is disapproved. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the payment request full text, and the unauthorized payment request text A cumulative payment amount based on the current date is calculated by adding the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment details, and calculating the cumulative payment amount based on the calculated current date and the disapproval condition. It is preferable to compare the daily unauthorized small settlement limit amount included in the unauthorized small settlement limit amount information provided in the D / B 960, and the calculated If in Japan based on the cumulative payment amount is less than the amount of the daily museung micropayments limit, the baensa server 900 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 960 includes the unapproved micropayment limit amount per week, the bansa server 900 is extracted from the full text of the unauthorized payment request. Confirm the weekly unauthorized payment history for one week from the current day corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the weekly payment amount for the week for the current day, and the weekly payment for the week for the calculated current day. Compare the amount and the amount of the weekly micropayment limit included in the unauthorized micropayment limit amount information included in the non-approval condition D / B 960 Preferably, if the cumulative weekly payment amount is less than the weekly unpaid micropayment limit amount for one week as of the calculated current day, the bansa server 900 is the unauthorized payment processing for the full text of the unauthorized payment request It is desirable to confirm that it is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 960 includes monthly unapproved micropayment limit amount information, the bansa server 900 is extracted from the full text of the unauthorized payment request. Confirm the monthly unauthorized payment history for the current month corresponding to the card information in association with the storage medium 965 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the monthly cumulative payment amount for the current month, and the monthly cumulative payment for the calculated current month. Comparing the amount of money and the amount of monthly non-payment limit included in the non-approval limit payment amount information included in the non-approval condition D / B 960 Preferably, if the monthly cumulative payment amount is less than the monthly non-payment micropayment limit amount for the calculated current month, the bansa server 900 is capable of unauthorized payment processing for the full text of the unauthorized payment request It is preferable to confirm that it is.

If the cumulative payment amount including the payment amount included in the unauthorized payment request text exceeds the unauthorized small payment limit amount (1445), the bansa server 900 transmits the unauthorized payment request message to the card. Process the payment approval request that can be transmitted to the payment approval server corresponding to the information to the payment approval server through a predetermined communication means (1460), and in response to the payment approval server corresponding to the payment approval request message Perform a predetermined payment approval procedure, and generate a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) to the bansa server through the communication means. And then (1465), the bansa server 900 transmits the full payment approval to the payment request server 1000 through the communication network (1470), In response, the payment request server 1000 receives the full payment processing message through the communication network, extracts a payment processing history (for example, an unauthorized payment error history) included in the payment processing text, and is provided in the affiliate store. Provided to the payment terminal (or card terminal) (1475), the payment terminal (or card terminal) provided with the payment processing history screen output (and / or print output) of the payment processing history.

If the cumulative settlement amount including the settlement amount included in the unauthorized payment request text does not exceed the unauthorized small settlement limit amount (1445), the bansa server 900 may be configured to use the extracted card information. At least one unauthorized payment settlement matched with the card information is counted to determine whether the cumulative unauthorized small settlement processing number corresponding to the card information exceeds a predetermined unauthorized small settlement number limit (1450).

According to the implementation method of the present invention, the unauthorized small payment number limit information, the daily unauthorized small payment number limit for the unauthorized small payment target card, the weekly small payment amount limit, the number of unapproved small payments per month limit Characterized in that it comprises at least one, wherein the number of daily / weekly / monthly cumulative unauthorized micropayment processing number for the unauthorized payment request received from the payment request server 1000 of the number of unauthorized small payments If more than one or more, the full amount of unauthorized payment request that exceeds the number of unauthorized small payments are excluded from the unauthorized small payment processing, it is preferable to process the payment in accordance with the conventional electronic payment procedures.

According to an embodiment of the present invention, the bansa server 900 corresponds to the card information in association with the storage medium 965 that stores the unauthorized payment details through card information extracted from the full unauthorized payment request. Check at least one daily / weekly / monthly unauthorized payment history, and count the confirmed daily / weekly / monthly unauthorized payment history to count the daily cumulative unauthorized micropayments corresponding to the card information; It is preferable to calculate the number of weekly cumulative micropayments and the number of monthly unpaid micropayments. Before the unauthorized payment request is compared by comparing the daily, weekly and monthly unauthorized small payment number limit included in the information on the number of unauthorized small payments provided at 960 It is advisable to check whether unauthorized payment has been processed for the door.

According to an exemplary embodiment of the present invention, when the unauthorized small payment number limit information included in the unauthorized condition D / B 960 includes the daily unauthorized small payment number limit, the bansa server 900 is the unauthorized application. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the full payment request, and the confirmed unauthorized payment By counting the details to calculate the cumulative unpaid micropayment processing frequency as of the current day, the calculated cumulative unpaid micropayment processing frequency as of the current day and the number of unapproved micropayments provided in the disapproved condition D / B (960). It is preferable to compare the daily unacceptable micropayment limit included in the limit information, and the cumulative unacceptable micropayment processing count as of the current day calculated above is the unaccepted small sum. Is smaller than the limit number of times, the baensa server 900 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the unauthorized small settlement number limit information provided in the unauthorized condition D / B (960) includes the weekly unauthorized small settlement number limit, the bansa server 900 is extracted from the full unauthorized payment request Confirm the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 965 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the cumulative weekly unpaid micropayment processing frequency for one week as of the current day, and to calculate the cumulative unpaid micropayment processing weekly for the week based on the calculated current day and the disapproved condition D / B (960). It is preferable to compare the number of unapproved micropayments per week included in the information on the number of unapproved micropayments. If the number of unauthorized small payment processing is less than the limit of the number of unauthorized small payments per week, it is preferable that the bansa server 900 confirms that the unauthorized payment processing for the entire unauthorized payment request is possible.

In addition, when the unauthorized small payment number limit information provided in the unauthorized condition D / B (960) includes the monthly unauthorized small payment number limit, the bansa server 900 is extracted from the full text of the unauthorized payment request Confirms the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the monthly cumulative unpaid micropayment processing count for the current month, and the monthly cumulative unapproved micropayment processing count for the current month and the disapproved condition D / B (960). It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments. When the number of micropayments is less than the monthly non-payment limit, it is preferable that the bansa server 900 confirms that unauthorized payment processing for the entire unauthorized payment request is possible.

If the cumulative unauthorized micropayment processing number corresponding to the card information included in the unauthorized payment request text exceeds a predetermined unauthorized micropayment limit (1455), the bansa server 900 performs the unauthorized payment. The request is processed as a payment approval request message that can be transmitted to the payment approval server corresponding to the card information and transmitted to the payment approval server through a predetermined communication means (1460). Perform a predetermined payment approval procedure corresponding to the approval request message, generate a payment approval message including a payment processing history corresponding to the payment approval result (for example, payment approval or payment error) Transmit to the bansa server (900) (1465), and then the bansa server (900) to the payment request server 1000 to the payment approval full text through the communication network In response thereto, the payment request server 1000 receives the payment processing message through the communication network, and extracts a payment processing history (for example, unauthorized payment error details) included in the payment processing message. By providing the payment terminal (or card terminal) provided in the merchant (1475), the payment terminal (or card terminal) provided with the payment processing details screen output (and / or print output) of the payment processing details do

If the cumulative unauthorized micropayment processing times corresponding to the card information included in the unauthorized payment request text does not exceed a predetermined unauthorized micropayment limit (1455), the bansa server 900 may approve the unauthorized approval. Generate a predetermined unauthorized payment details including card information and payment amount information and the merchant information extracted from the full payment request (1480), and the card information, payment amount information and merchant information included in the unauthorized payment details It is stored in a predetermined storage medium 965 by the associated process (1485).

According to the method of the present invention, the bansa server 900 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 900 is included in the unauthorized payment details. Preferably, the unauthorized information (or unauthorized approval code) (not shown) is further linked to the card information, payment amount information, and merchant information, and stored in the storage medium 965.

In addition, the bansa server 900 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information and merchant information; It is preferable to further include the generated unauthorized payment date and time information (not shown), and correspondingly, the bansa server 900 draws the card information, payment amount information, and merchant information included in the unauthorized payment details. It is preferable to further process the payment date and time information (not shown) in the storage medium 965.

Further, the bansa server 900 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated credit card company information (or payment approval server information) (not shown) in the unauthorized payment history to be included, and correspondingly, the bansa server 900 is included in the unauthorized payment history The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 965.

Those skilled in the art to which the present invention pertains can infer a variety of information configurations other than the information configurations for the unauthorized payment details described above, but the present invention includes all the information configurations inferred above. Characterized in that made.

Subsequently, the bansa server 900 generates the predetermined payment processing text by processing the unauthorized payment details as the payment processing history for the unauthorized payment request message (1480), and generates the generated payment processing text in the communication network. The payment request server 1000 is transmitted to the payment request server 1000 through 1495. In response thereto, the payment request server 1000 receives the payment processing text message through the communication network, and the payment processing details included in the payment processing text message ( For example, an unauthorized payment history is extracted and provided to the payment terminal (or card terminal) provided in the affiliate store (1499), and the payment terminal (or card terminal) provided with the payment processing history provides the payment processing history. Print (and / or print)

15A and 15B illustrate an unauthorized micropayment processing process through a predetermined payment request server 1000 according to another exemplary embodiment of the present invention.

15A and 15B illustrate the payment request server 1000 when the payment request server 1000 on the unauthorized payment system shown in FIG. 9 is a payment request server 1000 that processes a conventional electronic payment. In step 1), if a predetermined payment approval request text for the conventional electronic payment processing is generated and transmitted through a predetermined communication network, the bansa server 900 on the unauthorized small payment system shown in FIG. It is a process of processing payment by an unauthorized method by reading a predetermined disapproval condition through the included card information and payment amount information or by a conventional electronic payment process, Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 15a and 15b for the unauthorized micropayment process. Various implementation methods for the process may be inferred, but it is to be understood that the technical features of the present invention are not limited to the drawings 15a and 15b but include all the inferred implementation methods.

15A and 15B, a predetermined disapproval including card information and payment amount information received from a payment terminal (or a card terminal) provided in the affiliated store in the payment request server 1000 shown in FIG. When the payment request message is generated and transmitted, the bansa server 900 illustrated in FIG. 9 receives the unauthorized payment request message through a predetermined communication network (1500), and the bansa server 900 receives the received payment. Extracting the card information and payment amount information merchant information from the full approval request (1505), and by reading the extracted card information, the card information comprises the unauthorized small payment target card information for the unauthorized small payment processing Check if there is (1510).

According to an exemplary embodiment of the present invention, the bansa server 900 may compare the card information (for example, the card information D / B 1060 that is stored in the card information D / B 1060) with which the card information can be compared. A part of the card number) and compare the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 1060 so that the card information read through the card reader wins. It is preferable to check whether the card information is included in the phosphorus card payment target.

For example, when the extracted card information includes a 16-digit credit card number or a check card number, the bansa server 900 may include the card issuer identification number and card type, or the card issuer identification number among the 16-digit card numbers. Extract card information including the first four digits (or first six digits) including the card type, and draw the card issuer identification number and card type, or the card issuer identification number or card type corresponding to the card type. It is preferable to check whether the card information read through the card reader is included in the unauthorized small payment target card information by comparing the small card payment target card information with the comparison target card information.

If the extracted card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (1515), the bansa server 900 is the payment approval request through a predetermined communication means Send a full text to the payment approval server corresponding to the card information (1560), and in response, the payment approval server performs a predetermined payment approval procedure corresponding to the payment approval request text, and the payment approval result (e.g., A payment approval message including a payment processing history corresponding to a payment approval or a payment error) is transmitted to the bansa server 900 through the communication means (1565), and then the bansa server 900 is the The payment approval message is transmitted to the payment request server 1000 through the communication network (1570). In response, the payment request server 1000 transmits the payment through the communication network. Receiving the full text, and extracts the payment processing history (eg, unauthorized payment error history) included in the payment processing full text to provide to the payment terminal (or card terminal) provided in the merchant (1575), the payment The payment terminal (or card terminal) provided with the processing details displays (and / or prints) the payment processing details.

If the extracted card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (1515), the bansa server 900 reads the extracted payment amount information and the winning It is checked whether the payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1520).

According to an embodiment of the present invention, if the non-authorized micropayment target payment amount is 30,000 won, the Bansa server 900 determines that the payment amount information extracted from the full payment authorization request is the non-approved micropayment target payment amount. If it is less than or equal to 30,000 won, it is confirmed that the payment amount is included in the payment threshold amount for the unauthorized small settlement for the unauthorized small settlement processing, and the unauthorized payment processing for the full payment approval request is possible. It is desirable to confirm.

If the unauthorized payment request amount does not include a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1525), the bansa server 900 is a full text of the payment approval request through a predetermined communication means Transmits to the payment approval server corresponding to the card information (1560), and in response, the payment approval server performs a predetermined payment approval procedure corresponding to the full text of the payment approval request, and the payment approval result (e.g., A payment approval message including a payment processing history corresponding to a payment approval or a payment error) is generated and transmitted to the bansa server 900 through the communication means (1565), and then the bansa server 900 receives the payment. The full text of the approval is transmitted to the payment request server 1000 through the communication network (1570). In response, the payment request server 1000 before the payment processing through the communication network. Receive, extract payment processing details (eg, unauthorized payment error details) included in the payment processing text and provide them to the payment terminal (or card terminal) provided in the affiliated store (1575); The payment terminal (or card terminal) provided with the screen outputs (and / or prints) the payment processing details.

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1525), the bansa server 900 reads the extracted card information to read the payment approval request. Check whether the card information included in the full text is included in the unauthorized small payment BL (1530).

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the non-authorized micropayment card includes a check card / debit card / cash card / financial account, due to lack of account balance or lock account balance Characterized in that it comprises at least one or more card number that can not be provided for the unauthorized small payment service, the unauthorized small payment BL of the card information included in the full payment approval request received from the payment request server 1000 The full payment approval request including card information matching the information is excluded from the unauthorized payment settlement process, It is advisable to process payment according to the electronic payment procedure.

According to an exemplary embodiment of the present invention, the bansa server 900 may include card information extracted from the full payment approval request message and card information corresponding to the unauthorized micropayment BL information provided in the unauthorized condition D / B 960. If the card information corresponding to the extracted card information and the unauthorized micropayment BL information included in the unauthorized condition D / B 960 does not match, check the full text of the payment approval request. It is desirable to confirm that unauthorized payment processing is possible.

If the card information included in the payment approval request message is included in the unauthorized micropayment BL (1535), the bansa server 900 corresponds to the card information for the payment approval request message through a predetermined communication means. Sending to the payment approval server (1560), and in response, the payment approval server performs a predetermined payment approval procedure corresponding to the full text of the payment approval request, and the payment approval result (for example, payment approval or payment error). Generate a payment approval message including a payment processing history corresponding to the transfer to the bansa server 900 through the communication means (1565), and then the bansa server 900 through the communication network the payment approval message The payment request server 1000 transmits to the payment request server 1000 in response to the payment request server 1000. The payment request server 1000 receives the payment processing message through the communication network, and receives the payment processing message. The payment processing details (eg, unauthorized payment error details) included are extracted and provided to the payment terminal (or card terminal) provided in the affiliated store (1575), and the payment terminal (or card terminal) provided with the payment processing details. ) Displays (and / or prints) the payment processing details.

If the card information included in the full payment approval request is not included in the unauthorized small payment BL (1535), the bansa server 900 is matched with the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment details is read to determine whether the payment amount included in the full payment approval request exceeds a predetermined unauthorized payment amount (1540).

According to the implementation method of the present invention, the unaccepted micropayment limit information, the daily unacceptable micropayment limit amount, the weekly unacceptable micropayment limit amount, and the monthly unapproved micropayment limit for the unapproved micropayment target card. It characterized in that it comprises at least one amount, wherein the daily / week / monthly cumulative payment amount of the payment amount contained in the full payment approval request received from the payment request server 1000 of the unauthorized small payment limit amount of In the case of exceeding at least one or more, the full payment approval request exceeding the amount of the unauthorized small payment is excluded from the unauthorized small payment processing, and the payment is preferably processed according to a conventional electronic payment procedure.

According to an embodiment of the present invention, the bansa server 900 corresponds to the card information in association with the storage medium 965 for storing the unauthorized payment details through card information extracted from the full payment approval request. Check at least one daily / weekly / monthly unauthorized payment history, and accumulate daily payment by summing payment amount information extracted from the full payment approval request and at least one payment amount information included in the confirmed unauthorized payment details It is preferable to calculate an amount, a cumulative payment amount per week, and a monthly cumulative payment amount, and the at least one calculated daily / weekly / monthly cumulative payment amount and the unauthorized micropayment provided in the disapproval condition D / B 960 are provided. By comparing the daily, weekly and monthly non-authorized micropayment limit amount included in the limit amount information, It is preferable to determine whether the process.

According to an embodiment of the present invention, when the unapproved small payment limit amount information included in the unauthorized condition D / B 960 includes the daily unapproved small payment limit amount, the bansa server 900 determines the payment. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment details through the card information extracted from the full approval request, and from the full payment approval request The cumulative payment amount as of the current day is calculated by adding the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details, and the calculated cumulative payment amount as of the current date and the disapproval condition D It is preferable to compare the daily unauthorized micropayment limit amount included in the unauthorized micropayment limit amount information included in / B 960, and the calculated current date. When the standard cumulative payment amount is smaller than the daily non-approved micropayment limit amount, the bansa server 900 preferably confirms that the unauthorized payment processing for the full payment approval request is possible.

In addition, when the unapproved micropayment limit amount information included in the non-approval condition D / B 960 includes the unapproved micropayment limit amount per week, the bansa server 900 is extracted from the full text of the payment approval request. Check the weekly unauthorized payment history for the current day corresponding to the card information in association with the storage medium 965 for storing the unauthorized payment history through the card information, extracted from the full payment approval request Compute the weekly cumulative payment amount for one week as of the current day by summing the payment amount information and at least one payment amount information included in the confirmed unauthorized payment details, Comparing the amount of unapproved micropayment limit per week included in the unauthorized micropayment limit information provided in the unauthorized condition D / B 960 Preferably, if the weekly cumulative payment amount for the current week is less than the weekly unpaid micropayment limit amount, the bansa server 900 is said to be the unauthorized payment processing for the full payment approval request It is desirable to confirm.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 960 includes monthly unapproved micropayment limit amount information, the bansa server 900 is extracted from the full text of the payment approval request. Check the monthly unauthorized payment history for the current month corresponding to the card information in association with the storage medium 965 for storing the unauthorized payment history through the card information, extracted from the full text of the payment approval request Compute the monthly cumulative payment amount for the current month based on the sum of the payment amount information and at least one payment amount information included in the confirmed unauthorized payment details, and calculates the monthly cumulative payment amount for the calculated current month Comparing the monthly unapproved micropayment limit amount included in the unapproved micropayment limit amount information included in the unauthorized condition D / B 960, Directly, if the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the bansa server 900 confirms that unauthorized payment processing for the full payment approval request is possible. It is desirable to.

If the cumulative settlement amount including the settlement amount included in the settlement approval request text exceeds the unauthorized small settlement limit amount (1545), the bansa server 900 requests the settlement approval request through a predetermined communication means. Send a full text to the payment approval server corresponding to the card information (1560), and in response, the payment approval server performs a predetermined payment approval procedure corresponding to the payment approval request text, and the payment approval result (e.g., A payment approval message including a payment processing history corresponding to a payment approval or a payment error) is transmitted to the bansa server 900 through the communication means (1565), and then the bansa server 900 is the The payment approval message is transmitted to the payment request server 1000 through the communication network (1570). In response, the payment request server 1000 processes the payment through the communication network. Receives a full text, extracts a payment processing history (for example, unauthorized payment error details) included in the payment processing text and provides the payment terminal (or card terminal) provided in the affiliated store (1575). The payment terminal (or card terminal) provided with the details outputs (and / or prints) the payment processing details.

If the cumulative payment amount including the payment amount included in the full payment approval request does not exceed the unauthorized small payment limit amount (1545), the bansa server 900 is the card through the extracted card information At least one unauthorized payment details matching the information is counted to determine whether the cumulative unauthorized micropayment processing time corresponding to the card information exceeds a predetermined unauthorized micropayment limit (1550).

According to the implementation method of the present invention, the unauthorized small payment number limit information, the daily unauthorized small payment number limit for the unauthorized small payment target card, the weekly small payment amount limit, the number of unapproved small payments per month limit It characterized in that it comprises at least one, wherein the daily / weekly / monthly cumulative unauthorized micropayment processing times for the full payment approval request received from the payment request server 1000 at least of the minimum number of unauthorized payments In the case where more than one is exceeded, the full payment approval request exceeding the number of unauthorized small payments is excluded from the unauthorized small payment processing, and it is preferable to process the payment according to a conventional electronic payment procedure.

According to an embodiment of the present invention, the bansa server 900 corresponds to the card information in association with the storage medium 965 for storing the unauthorized payment details through card information extracted from the full payment approval request. Check at least one daily / weekly / monthly unauthorized payment history, and count the confirmed daily / weekly / monthly unauthorized payment history to count the number of daily unpaid micropayments corresponding to the card information, weekly It is preferable to calculate the cumulative unauthorized micropayment processing times and the monthly cumulative unauthorized micropayment processing times, wherein the calculated at least one daily / weekly / monthly cumulative unauthorized micropayment processing times and the unauthorized condition D / B ( 960) to compare the daily, weekly and monthly unaccepted micropayment limit included in the information on the number of unapproved micropayments included in the information. To determine whether a museung the settlement processing is preferred.

According to the method of the present invention, if the unauthorized small payment number limit information provided in the unauthorized condition D / B 960 includes a daily unauthorized small payment number limit, the bansa server 900 approves the payment. Check the unauthorized payment details based on the current date corresponding to the card information in association with the storage medium 965 storing the unauthorized payment details through the card information extracted from the request message, and the confirmed unauthorized payment details. To calculate the cumulative unpaid micropayment processing count as of the current day, and calculate the cumulative unacceptable micropayment processing count as of the current day and the number of unapproved micropayments provided in the disapproved condition D / B 960. It is preferable to compare the daily non-authorized micropayment limit included in the information, and the calculated number of unapproved micropayments processed as of the current day is calculated. If the number is less than the limit, the bansa server 900 preferably confirms that the unauthorized payment processing for the full payment approval request is possible.

In addition, when the unauthorized small settlement number limit information provided in the unauthorized condition D / B (960) includes a weekly unauthorized small settlement number limit, the bansa server 900 is extracted from the full text of the payment approval request Check the weekly unauthorized payment history for one week based on the current day corresponding to the card information in connection with the storage medium 965 storing the unauthorized payment history through card information, and confirm the confirmed unauthorized payment history. Counting to calculate the number of weekly unapproved micropayment processing week for the current day, and the weekly cumulative unapproved micropayment processing weekly for the week based on the calculated current day and the unauthorized condition D / B (960) It is preferable to compare the number of weekly unacceptable micropayments included in the information on the number of unapproved micropayments, and accumulate weekly for one week on the basis of the calculated current day. Approve retail payment processing when the number of times the weekly museung is smaller than the number of retail payment limit, the baensa server 900 is preferably identified as a possible museung of payment processing payment authorization requests for the professional.

In addition, when the unauthorized small payment number limit information provided in the unauthorized condition D / B 960 includes the monthly unauthorized small payment number limit, the bansa server 900 is extracted from the full text of the payment approval request. Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 965 for storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history Count to calculate the monthly cumulative unauthorized micropayment processing count for the current month, and the monthly cumulative unauthorized micropayment processing count for the current month based on the calculated current month and the unauthorized condition D / B 960 It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments. If the number is less than the monthly payment processing museung number of retail payment limit, the baensa server 900 is preferably identified as a possible museung of payment processing payment authorization requests for the professional.

If the cumulative unauthorized micropayment processing number corresponding to the card information included in the payment approval request text exceeds a predetermined non-authorized micropayment limit (1555), the bansa server 900 establishes a predetermined communication means. The payment approval request message is transmitted to the payment approval server corresponding to the card information (1560), and the payment approval server performs a predetermined payment approval procedure corresponding to the payment approval request message. A payment approval message including a payment processing history corresponding to a payment approval result (eg, payment approval or payment error) is generated and transmitted to the bansa server 900 through the communication means (1565), and then the bansa server. In operation 900, the payment approval message is transmitted to the payment request server 1000 through the communication network. In response thereto, the payment request server 1000 transmits the communication network. Receiving the payment processing through the text, and extracts the payment processing history (for example, unauthorized payment error history) included in the payment processing text to provide to the payment terminal (or card terminal) provided in the merchant (1575) The payment terminal (or card terminal) provided with the payment processing details outputs (and / or prints) the payment processing details.

If the cumulative unauthorized micropayment processing number corresponding to the card information included in the payment approval request text does not exceed a predetermined non-authorized micropayment limit (1555), the bansa server 900 may request the payment approval request. Generate a predetermined unauthorized payment history including card information and payment amount information and the merchant information extracted from the full text (1580), and link the card information, payment amount information and merchant information included in the unauthorized payment details. The data is stored in a predetermined storage medium 965 (1585).

According to the method of the present invention, the bansa server 900 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 900 is included in the unauthorized payment details. Preferably, the unauthorized information (or unauthorized approval code) (not shown) is further linked to the card information, payment amount information, and merchant information, and stored in the storage medium 965.

In addition, the bansa server 900 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information and merchant information; It is preferable to further include the generated unauthorized payment date and time information (not shown), and correspondingly, the bansa server 900 draws the card information, payment amount information, and merchant information included in the unauthorized payment details. It is preferable to further process the payment date and time information (not shown) in the storage medium 965.

Further, the bansa server 900 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated credit card company information (or payment approval server information) (not shown) in the unauthorized payment history to be included, and correspondingly, the bansa server 900 is included in the unauthorized payment history The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 965.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, but the present invention includes all the information configuration inferred It is characterized by.

Subsequently, the bansa server 900 generates the predetermined payment processing text by processing the unauthorized payment details as the payment processing history for the payment approval request text (1580), and generates the generated payment processing text in the communication network. The payment request server 1000 is transmitted to the payment request server 1000 (1595). In response thereto, the payment request server 1000 receives the payment processing message through the communication network, and the payment processing details (eg, included in the payment processing message) are included. Extract payment details) and provide them to the payment terminal (or card terminal) provided in the affiliate store (1599), and the payment terminal (or card terminal) provided with the payment processing details displays the payment processing details. Output (and / or print)

16 is a diagram illustrating a post-approval process for an unauthorized payment details according to another exemplary embodiment of the present invention.

In more detail, FIG. 16 shows a predetermined storage medium 965 in the bansa server 900 shown in FIG. 9 through the unauthorized micropayment process shown in FIGS. 13 and / or 14 and / or 15. After storing the unauthorized payment details including the card information, payment amount information and merchant information in the bansa server 900, and periodically processing the post-authorization of the unauthorized payment details, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for the post-approval process for the unauthorized payment details. It is to be understood that the technical features are not limited by this drawing 16 but include all the inferred implementation methods.

For example, although FIG. 16 illustrates at least one unauthorized payment history extracted from the storage medium 965 as a post-approval process classified by card company / financial company, the present invention is illustrated in FIG. It is not limited to the implemented method.

Referring to FIG. 16, the bansa server 900 shown in FIG. 9 is stored in a predetermined storage medium 965 through the unauthorized micropayment process shown in FIGS. 13 and / or 14 and / or 15. After storing the unauthorized payment history including the card information, payment amount information and merchant information, at least one unauthorized payment history that is not approved through the payment approval server provided to the card company / financial company periodically from the storage medium 965 Extract (1600), and classify the extracted at least one unauthorized payment history by each card company / financial company (or payment approval server) based on the card information (or card company information) (1605). In operation 1610, predetermined payment approval request information including at least one or more unauthorized payment details classified by financial institutions (or payment approval server) is generated.

If the predetermined payment approval request information including at least one unauthorized payment details is generated (1615), the bansa server 900 for each card company / financial company by the classified payment approval request information through a predetermined communication means The payment approval server, which transmits the payment approval request information to the payment approval server (1620), performs a post-approval procedure on at least one or more unauthorized payment details included in the payment approval request information (1625).

Those skilled in the art to which the present invention pertains include technical features of the post-approval procedure that is performed based on card information and payment amount and merchant information included in the unauthorized payment details in the payment approval server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the payment approval server generates each post-approval processing result for at least one or more unauthorized payment details (1630), and generates predetermined payment approval information including the generated at least one post-approval processing result. In operation 1640, the generated payment approval information is transmitted to the bansa server 900 through the communication means.

Thereafter, the bansa server 900 extracts at least one post-approval processing result from the received payment approval information, and adds the extracted post-approval processing result to each unauthorized payment details (or the unauthorized payment details). The card information included in the link processing) is stored in the storage medium 965 (1645).

According to the exemplary embodiment of the present invention, the post-approval procedure for the unauthorized payment details may be repeatedly performed for all the unauthorized payment details of the unauthorized payment details stored in the storage medium 965. (1650).

According to the present invention, if the payment amount is within a predetermined non-payment amount of a small amount, the payment procedure for the payment amount is not real-time transmitted to the payment approval server provided in the card company or the financial company, and is disapproved by the bansa. By performing the payment processing (or approval) form, the time for performing the electronic payment procedure is shortened to within 1 second, thereby providing an advantage of high speed processing.

According to the present invention, when the customer card is a non-authorized micro payment target card and the payment amount is within a predetermined non-authorized micro payment standard amount, the payment procedure for the payment amount is provided to the card company or the financial company. By performing the payment processing in the form of unauthorized (or unauthorized) in the bansa without real-time transmission to the server, there is an advantage of reducing the time to perform the electronic payment procedure within 1 second to high-speed processing.

Claims (8)

A storage medium for storing card company unauthorized micropayment processing history information processed without card company approval during payment processing through card information and the card information; A professional receiving means for receiving a full text of the card company unauthorized small payment processing request including at least one card company unauthorized target small payment amount information or card company unauthorized target payment merchant (or payment terminal) information from the payment terminal; Information extracting means for reading the received text and extracting card information, payment amount information, and payment merchant (or payment terminal) information; Information confirmation means for confirming whether or not the card company unauthorized micropayment processing amount information corresponding to the extracted card information is exceeded and checking the card company unauthorized micropayment processing amount limit determined by the bansa in association with the storage medium; And As a result of the checking, if the card company's non-authorized micro settlement processing amount limit does not exceed the predetermined period, the payment processing corresponding to the card company's non-authorized micro settlement processing request whole message is processed by the card company's non-authorizing micro settlement, and the card company's non-authorizing by the predetermined period And a payment processing means for processing a payment processing corresponding to the entire credit card unauthorized payment settlement request request through a credit card company approval when the amount of the micro payment processing amount is exceeded. A storage medium for storing card company unauthorized micropayment processing history information processed without card company approval during payment processing through card information and the card information; A professional receiving means for receiving a full text of the card company unauthorized small payment processing request including at least one card company unauthorized target small payment amount information or card company unauthorized target payment merchant (or payment terminal) information from the payment terminal; Information extracting means for reading the received text and extracting card information, payment amount information, and payment merchant (or payment terminal) information; Information checking means for confirming whether or not the card company unauthorized micropayment processing history information corresponding to the extracted card information is exceeded by checking the card company unauthorized micropayment processing limit set by the bansa in association with the storage medium; And If the verification result does not exceed the limit of the number of card company unauthorized micropayment processing for each predetermined period, the payment processing corresponding to the entire card company unauthorized micropayment processing request is processed as a card company unapproved micropayment, and the card company unapproved for the predetermined period And a payment processing means for processing a payment processing corresponding to the entire credit card unauthorized payment processing request through a credit card company approval when the number of small payment processing times is exceeded. The method according to claim 1 or 2, Unauthorized micropayment processing system further comprises a specialized transmission means for transmitting the payment processing result to the payment terminal. The method according to claim 1 or 2, And an information storage means for updating the card company unauthorized micropayment processing history information previously stored in the storage medium in response to the payment processing result. The method of claim 1 or 2, wherein the storage medium, The unauthorized micropayment processing system, characterized in that the card company unauthorized micropayment processing history information is classified and stored for each predetermined period. The method of claim 1 or 2, wherein the information checking means, And further confirming whether the extracted card information is included in a BL (Black List). A function of storing, on a storage medium, credit card micro-payment processing details information processed without card company approval during payment processing through card information and the card information; Receiving, by Bansa, a full credit card unauthorized payment settlement request including at least one credit card unauthorized payment target information or credit card unauthorized payment merchant (or payment terminal) information from the payment terminal; Reading the received text to extract card information, payment amount information, and payment merchant (or payment terminal) information; In connection with the storage medium, the card company unauthorized micropayment processing history information corresponding to the extracted card information is checked to determine whether the card company unauthorized micropayment processing amount (or the number of times) of the card company is exceeded. function; And As a result of the checking, if the card company's unauthorized small settlement processing amount (or the number of times) limit is not exceeded for the predetermined period, the payment processing corresponding to the card company's unauthorized small settlement processing request text is processed as the card company's unauthorized small settlement, and the schedule If the card company unauthorized micropayment processing amount (or the number of times) limit for each period is exceeded, a function of processing a payment process corresponding to the full credit card unauthorized payment processing request through the card company approval; Readable recording medium. Storing card company unauthorized micropayment processing history information processed without card company approval during payment processing through card information and the card information on a storage medium; Receiving from the payment terminal a full credit card unauthorized payment settlement request including at least one card company unauthorized target payment amount information or card company unauthorized target payment merchant (or payment terminal) information to Bansa; Reading the received full text to extract card information, payment amount information, and payment merchant (or payment terminal) information; In connection with the storage medium, the card company unauthorized micropayment processing history information corresponding to the extracted card information is checked to determine whether the card company unauthorized micropayment processing amount (or the number of times) of the card company is exceeded. step; And As a result of the checking, if the card company's unauthorized small settlement processing amount (or the number of times) limit is not exceeded for the predetermined period, the payment processing corresponding to the card company's unauthorized small settlement processing request text is processed as the card company's unauthorized small settlement, and the schedule If the card company unauthorized micropayment processing amount (or the number of times) limit for each period is exceeded, the payment processing corresponding to the full credit card payment non-authorized micropayment processing request request through the credit card company approval; Phosphorus micropayment processing method.

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