KR100876596B1 - Card terminal - Google Patents

Abstract

The present invention relates to a card terminal, a program recording medium, and a payment processing method and system using the same. The payment processing method according to the present invention comprises the steps of: transmitting transaction target card information from a card terminal to a server on a communication network; When the service item corresponding to the card information is transmitted, the card terminal receives the service item and outputs it on the screen, and the user selects one or more of the output service item (or detailed item for each service item). The card terminal outputs (or selects) a payment amount (or payment unit) for each selected item on the card terminal, and receives (or selects) payment amount (or payment unit) information for each item; and the card After generating a predetermined payment approval request full text using the input (or payment) information of the payment amount (or payment unit) entered in the terminal, Transmitting a payment approval response message corresponding to the payment approval request message from the server, and receiving the received message at the card terminal.

Description

Card Terminal

1 is a diagram illustrating a functional configuration of a card terminal for providing service item information and payment processing function associated with a card according to an embodiment of the present invention.

2 is a diagram illustrating a configuration of a screen for providing service item information associated with a card according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a payment processing screen configuration using service item information associated with a card according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a payment processing screen configuration using service item information associated with a card according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a card operating system configuration through providing service item information and payment processing associated with a card according to an embodiment of the present invention.

6 is a diagram illustrating a service item information request process associated with a card in a card terminal according to an embodiment of the present invention.

7 is a diagram illustrating a service item information request process associated with a card in a card terminal according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of calculating a payment amount (or total payment amount) for each subitem based on a service item associated with a card in a card terminal according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process of calculating a payment amount (or total payment amount) for each subitem based on a service item associated with a card in a card terminal according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a payment processing process through a payment amount (or a total payment amount) for each subitem according to an embodiment of the present invention.

<Description of main parts of drawing>

100: card terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: digital signature input unit

130: communication processing unit 135: security application module

140: print output section 145: memory section

150: power supply unit 155: printing apparatus

160: mode setting unit 165: professional generation unit

170: professional transmission unit 175: professional reception unit

180: information output unit 185: information input unit

190: amount calculation unit

The present invention provides a storage medium for linking and storing card information and service item information issued (or assigned) to a user corresponding to the card information, a receiving unit for receiving card information from a predetermined card terminal, and the storage medium ( Or a confirmation unit for confirming service item information issued (or assigned) to a user corresponding to the received card information in association with a storage medium operating means) and a transmission unit for transmitting the confirmed service item information to the card terminal. It relates to a payment processing system.

At least one service item and at least one detailed item corresponding to the service item may be issued in advance, or a card designated as a customer and a service item registered by the customer may be issued.

As described above, a payment target using a card in which at least one service item and at least one detail item corresponding to the service item is specified is limited to the service item and / or detail item, which is provided in a conventional merchant. As a point of sales terminal having a credit authorization terminal (CAT) or a card reader, it is difficult to provide a payment processing function for a card in which service items and / or detailed items are specified as described above.

An object of the present invention for solving the problem is a communication processing unit for transmitting the transaction target card information to the server on the communication network, and the service item corresponding to the card information from the server, receiving the communication processing unit, and the service item ( Or a screen output unit for outputting a screen for inputting (or selecting) a payment amount (or payment unit) for each selected item when the user selects one or more of detailed items for each service item, and the payment amount for each item (or payment) Unit) information is input (or selected), a full text generation unit for generating a predetermined payment approval request full text using the input (or selected) payment amount (or payment unit) information and the generated full text to the communication processing unit It is to provide a card terminal having a specialized transmission unit for transmitting to the server through.

In the payment processing method according to the present invention, if a transaction target is selected through a predetermined key input unit provided in the card terminal, and the card information is read through the predetermined card reader unit provided in the card terminal, Transmitting the read card information to a server corresponding to the selected transaction object through a communication processor, confirming a service item issued (or assigned) to a user corresponding to the card information at the server, and confirming the confirmation. Transmitting the received service item to the card terminal, receiving the same by the communication processing unit provided in the card terminal, outputting the received service item through a screen output unit provided in the card terminal, and the card terminal. If the card user selects one or more of the service items output through the key input unit provided in the Outputting a detailed item for the selected service item through a screen output unit provided in the terminal; and selecting one or more of the output detailed items through the key input unit provided in the card terminal. Outputting (or selecting) a payment amount (or payment unit for each detailed item) for each selected detail item through a screen output part provided in a card terminal; and for each detail item through a key input part provided in the card terminal. When the payment amount (or payment unit for each sub-item) is inputted (or selected), receiving the electronic signature of the user in the card terminal, and the input (or selection) is completed in the communication processing unit provided in the card terminal. The predetermined payment approval including the payment amount (or payment unit for each detail item) for each detailed item and the electronic signature information of the user. And transmitting the hearing message to a server on a communication network, and receiving the payment approval response message corresponding to the payment approval request message from the server, and receiving the same in a communication processing unit provided in the card terminal. It is done.

According to the present invention, when the card user selects one or more of the service items output through the key input unit provided in the card terminal, a detailed item for the selected service item through the screen output unit provided in the card terminal. The step of outputting, when the card user selects one or more of the output service items via the key input unit provided in the card terminal, the selected service item information through the communication processing unit provided in the card terminal Transmitting to the server, receiving the detailed item corresponding to the service item from the server, receiving the received item through a communication processing unit provided in the card terminal, and the selected service through a screen output unit provided in the card terminal. Comprising outputting a detailed item for the item It characterized.

On the other hand, the payment processing method according to the invention, the step of transmitting the transaction target card information from the card terminal to the server on the communication network, and if the server transmits a service item corresponding to the card information, the card terminal receives it After that, if the user selects one or more of the step of outputting on the screen and the output service item (or detailed item for each service item), the card terminal inputs a payment amount (or payment unit) for each selected item ( Or) outputting a screen, receiving (or selecting) payment amount (or payment unit) information for each item, and using the payment amount (or payment unit) information input (or selected) by the card terminal. Generating a predetermined payment approval request message, transmitting the same to a server on a communication network, and the server corresponding to the payment approval request message; If it sends an authorization response message, characterized in that comprises the step of receiving it from the card terminal.

According to the present invention, the card terminal further comprises the step of outputting a receipt corresponding to the received payment approval response full text, wherein the output receipt, in addition to the approval details of the card user's card-linked account Characterized in that the balance further comprises.

According to the present invention, the service item issued (or assigned) to the user is characterized by including a voucher issued (or assigned) to the user.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described payment processing method.

On the other hand, the payment processing system according to the present invention, a storage medium for linking and storing the card information and service item information issued (or assigned) to the user corresponding to the card information, and receives the card information from a predetermined card terminal A confirmation unit for confirming service item information issued (or assigned) to a user corresponding to the received card information in association with the receiving unit, the storage medium (or storage medium operating means), and the confirmed service item information. Characterized in that it comprises a transmission unit for transmitting to the card terminal.

According to the present invention, the payment processing system, if received from the card terminal through the payment terminal request for payment approval request for the service item (or service detail item), the payment approval corresponding to the payment approval request message is received. And a payment approval processing unit configured to transmit the payment approval response message corresponding to the payment approval processing result to the card terminal through the transmission unit.

On the other hand, the card terminal according to the present invention comprises a key input unit, a card reader unit, a screen output unit, a communication processing unit, and a control unit for controlling each of the components, in particular, the control unit, through the key input unit When a transaction target is selected and the card information is read through the card reader unit, the read card information is transmitted to the server corresponding to the selected transaction target through the communication processor, and the user corresponding to the card information is transmitted from the server. After confirming the service item issued (or assigned) to the user, and transmitting the confirmed service item, after receiving it through the communication processing unit, and outputs the received service item via the screen output unit, and the key input unit If the card user selects one or more of the output service items through the corresponding service item, After confirming the detail item in association with the server or through the memory information stored in the memory, and outputs the confirmed detail item through the screen output unit, and the card user of the output detail item through the key input unit If one or more is selected, a screen for inputting (or selecting) a payment amount (or payment unit for each detail item) for each selected detail item is output through the screen output unit, and the payment amount (or detail) for each detail item is output through the key input unit. Input unit (or item selection) is inputted (or selected), the electronic signature of the user is input, and the input (or selection) information of the payment amount (or payment unit for each detailed item) completed by the input (or selection) through the communication processing unit; Characterized in that the predetermined payment approval request message containing the electronic signature information of the user is transmitted to the server on the communication network .

On the other hand, the card terminal according to the present invention transmits the transaction target card information to a server on the communication network, and if the server transmits a service item corresponding to the card information, and receives the communication processing unit, and the service item (or service) A screen output unit for outputting a screen for inputting (or selecting) the payment amount (or payment unit) for each selected item when the user selects one or more of detailed items for each item; and the payment amount for each item (or payment unit) When the information is input (or selected), a full text generation unit for generating a predetermined payment approval request message using the input (or selected) payment amount (or payment unit) information and the generated full text through the communication processing unit. Characterized in that it comprises a specialized transmission unit for transmitting to the server.

According to the invention, the service item is characterized in that it comprises a voucher issued (or assigned) to the user.

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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto.

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 a functional configuration of a card terminal 100 for providing service item information and payment processing function associated with a card according to an embodiment of the present invention.

In more detail, FIG. 1 is a voucher card issued by a predetermined financial institution (or the Ministry of Health and Welfare, or a local government, or a voucher operator) to at least one voucher subject. In the case that the linked service item information includes voucher-related payment information provided to the voucher subject in association with at least one affiliated store (eg, a voucher affiliated store) by the Health and Welfare Department or each local government through the voucher card. Reading predetermined card information from the voucher card, receiving and outputting service item information associated with at least one card from a server provided in the financial institution (or voucher operating institution) based on the card information, and At least one card of service item information associated with the card; Payment processing corresponding to the service item information associated with the card in connection with the financial institution (or the voucher management institution) based on the linked service item information (or the details of the service item information associated with the card); As a card terminal 100 function configuration, those of ordinary skill in the art to which the present invention pertains, the service item information associated with the card and the payment processing function associated with the card by referring to and / or modifying the drawing 1 Various functionalities of the card terminal 100 may be inferred, but the technical features of the present invention are not limited by the drawing 1, but it is to be understood that it includes all the inferred implementation methods.

Hereinafter, in FIG. 1, a server provided in the financial institution (or voucher operator) is referred to as a "voucher server 500" for convenience, the card is referred to as a "voucher card", and service item information associated with the card is referred to. For convenience, it is called "voucher information".

Referring to FIG. 1, a card terminal 100 having a voucher information providing and payment processing function basically outputs a control unit 105, a memory unit 145, a card reader unit 110, a key input unit 120, and a screen output. The unit 125 and the communication processing unit 130, and supplies power to the digital signature input unit 125, the security application module 135, the print output unit 140 and the card terminal 100 according to the intention of the skilled person. Characterized in that the power supply unit 150 is made to include.

The control unit 105 controls the overall operation of the card terminal 100 in the functional configuration, manages the flow of information or data between each component, is provided in the card terminal 100 for providing the voucher information and payment 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 and interoperating and controlling at least one component. (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and the execution memory from a predetermined recording medium in order to perform a function specific to the card terminal 100 in software. A program routine and / or program data which are loaded and computed by the processor. For example, a software program can be processed from a predetermined program recorded on a recording medium provided in the card terminal 100 and / or a functional configuration provided in the card terminal 100 for providing voucher information and payment processing. Element as shown in the present control unit 105).

According to the exemplary embodiment of the present invention, the control unit 105 outputs a component (for example, the memory unit 145, the card reader unit 110, the key input unit 120, and the screen output included in the card terminal 100). Controlling and managing the electronic payment service defined in the card terminal 100 by interworking the unit 125, the communication processing unit 130, the security application module 135, and the print output unit 140). Of course, to control the components provided in the card terminal 100 for the voucher information providing and payment processing function according to the present invention, and / or the card for the voucher information providing and payment processing function It is preferable to execute a program recorded on a recording medium provided in the terminal 100.

The memory unit 145 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 card terminal 100 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 105 to perform a predetermined control function (e.g., data input or output for the program routine to perform a predetermined function) ) Is stored.

According to an embodiment of the present invention, the memory unit 145 is provided with the card terminal 100 and corresponds to a merchant that provides at least one voucher service (or payment service using a voucher card) using the voucher card. It is preferable to store predetermined merchant information (or terminal information), and the affiliated store information (or terminal information) is preferably included in a telegram transmitted from the card terminal 100 to the voucher server 500.

Alternatively, when predetermined card information is read from a predetermined card through the card reader unit 110, the memory unit 145 reads the card information to provide the voucher information to a card corresponding to the card information. It is preferable to store the voucher card reading information for reading whether the voucher card can be received, in which case the card terminal 100 reads the card information read through the card reader unit 110 through the voucher card reading information. It is desirable to confirm that the card is a voucher card capable of being provided with the voucher information by reading.

For example, the card information read through the card reader unit 110 includes a 16-digit card number, although there are some exceptions, the first four digits of the card number correspond to the issuer code that issued the card. The next two digits include a card type code corresponding to the card type, and the voucher card readout information includes the financial institution (or the Ministry of Health and Welfare, or each local government, which issued the voucher card among the 16 digit card numbers). Or a card issuing agency code corresponding to the voucher operating institution) and a card type code corresponding to the voucher card.

The customer receiving the voucher information providing and payment processing function according to the present invention through the card terminal 100 is based on an MS / Magnetic Stripe (MS) card and / or an ISO / IEC 7816 standard based on the ISO / IEC 7810 standard. Possessing (or owning) a voucher card including at least one contact IC card (or wireless IC chip) and / or at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443. The card reader unit 110 may provide an interface for reading at least one or more information or data included in the voucher card.

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

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

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

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

According to an embodiment of the present invention, the card reader unit 110 may provide predetermined card information (eg, the voucher card) from at least one or more card reader units 110 for the electronic payment service defined in the card terminal 100. It is preferable to read the payment means information corresponding to the payment means, including at least one or more credit card, check card, debit card, cash card, financial account provided in the present invention, and also provide the voucher information and payment according to the present invention It is preferable to read predetermined card information from at least one voucher card for the processing function.

According to the method of the present invention, it is preferable that the card information comprises at least one of a predetermined card number, a card expiration date, an English name of the card holder, and the like.

Here, the card number preferably comprises a card issuer code, a card type code, and a 16-digit card number including a predetermined serial number and a check digit. It is possible to use by modifying.

In addition, the card validity period preferably comprises a period (or the last service available date) to receive the voucher information and payment processing services through the card terminal 100 from the date the voucher card is issued. In addition, according to the intention of the person skilled in the art, the card validity period may be omitted, thereby the present invention is not limited.

The English name of the card holder may include an English name of a voucher subject who has been issued the voucher card from the financial institution (or the Ministry of Health and Welfare, a local government, or a voucher management institution). The English name of the card holder may be omitted according to the intention of the present invention, whereby the present invention is not limited.

The key input unit 120 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the card terminal 100 controlled by the controller 105. 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 105. The controller 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the card terminal 100, 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 120 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the card terminal 100.

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

According to the exemplary embodiment of the present invention, the key input unit 120 may provide key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the card terminal 100. It is preferable to perform the function of the key input means for receiving the input), and at least required in the process of providing the voucher information and payment processing function from the key input device for the voucher information providing and payment processing function according to the present invention. It is preferable to perform the function of the key input means for receiving one or more key data.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 120 provides the voucher information and payment according to the present invention in an initial mode and / or a general payment mode of the operation mode of the card terminal 100. It is desirable to have a key button for switching to a voucher mode (e.g., an operation mode in which voucher information is provided) for the processing function.

The screen output unit 125 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 105 in the process of the card terminal 100 performs a predetermined function (for example, payment 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 125 And the screen output device interoperate with each other to perform a function of the screen output means provided in the card terminal 100.

Predefined information or data to be output from the card terminal 100 to the screen output device may include key data input through the key input unit 120 and / or components provided in the card terminal 100. Information (or data) stored or generated by the information, information (or data) transmitted and received through the communication processing unit 130, and / or (or data) corresponding to a predetermined operation result performed by the card terminal 100. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 125 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 card terminal 100 It is preferable to perform a function of an output means, and also to output the processing screen corresponding to the step of providing the voucher information and the payment processing function to the screen output device for providing the voucher information and the payment processing function according to the present invention. It is desirable to perform the function of the means.

The communication processing unit 130 is a voucher server 500 and / or the card terminal 100 is connected to the communication through a communication network in the process of the card terminal 100 performs a predetermined function (for example, payment payment processing function). And a predetermined communication means for connecting a communication session with a terminal (or device) connected with a predetermined cable and / or the terminal (or device) connected with the card terminal 100 through a predetermined short range wireless communication. A network communication unit for connecting a predetermined communication channel with the voucher server 500 on a wired or wireless communication network, and / or for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port. Near field communication for connecting a predetermined communication session with a predetermined short distance communication terminal (or device) device through a cable communication unit and / or at least one short distance wireless communication means. Is made by a communication unit, it comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a voucher server through a wired communication network including at least one of a public switched telephone network (PSTN) based wired communication network, an intelligent network, an xDSL based wired communication network, a cable communication based wired communication network, or an optical communication based wired communication network. 500) and a communication channel, comprising a modem or a network interface card (NIC) for connecting the card terminal 100 to a predetermined wired network in hardware. It comprises a communication protocol and / or driver for software to connect the card terminal 100 to the wired communication network.

In addition, the network communication unit CDMA (Wide Division Multiple Access) / W-CDMA (Wide-CDMA) based wireless communication network, HSDPA (High-Speed Downlink Packet Access) based wireless communication network, IEEE 802.11x based wireless communication network, IEEE 802.16x A communication channel is connected to the voucher server 500 through a wireless communication network including at least one based wireless communication network, and wirelessly connects the card terminal 100 to a predetermined wireless communication network in hardware. It comprises a modem or a wireless communication device (or module), and comprises a communication protocol and / or driver for connecting the card terminal 100 to the wireless communication network in software.

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.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

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 (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one 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 digital signature input unit 125 is a bitmap in association with a digital signature device (or a sign pad) for stamping a predetermined signature through a predetermined digital pen on a touch screen including a predetermined display panel and a touch pad. Characterized in that the digital signature in the form of the image, the digital signature in the form of the bitmap image is stored in the memory unit 145 provided in the card terminal 100 for a predetermined period, or a predetermined payment approval request full text Is included in the card terminal 100 is preferably transmitted to the voucher server 500.

According to the embodiment of the present invention, the digital signature device may be detachably provided to the card terminal 100, connected through a predetermined cable, or omitted according to the intention of a person skilled in the art. It is not limited.

The secure application module (SAM) 135 is a confidentiality and / or authentication and / or required by the card terminal 100 to perform an electronic payment settlement using the voucher card. Or as a safety device for performing security requirements including integrity and / or nonrepudiation in a secure and reliable structure within the card terminal 100 without using an authentication server on a communication network. The card terminal 100 encrypts or decrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function), and forgery of the message. Or adding an authenticator to prevent tampering, or storing important key information in the process of performing the security request function. It characterized by, and can be omitted depending on the intention of the person skilled in the art, to which the present invention is not limited.

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

In addition, the security application module 135 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the card terminal 100 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, 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 140 may process the card terminal 100 to perform a predetermined function (for example, a payment settlement 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 155 (for example, a receipt printing machine), and to print the print information or data through the predetermined printing device 155 in accordance with a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 1, the card terminal 100 provides the present invention in an initial mode and / or in a general payment mode in order to provide a voucher information providing and payment processing function according to the present invention. And a mode setting unit 160 for setting a voucher mode (for example, an operation mode in which voucher information is provided) for providing voucher information and payment processing according to the present invention, wherein the voucher mode is the communication processing unit ( 130) (= network communication unit) provides the at least one voucher information from the voucher server 500 through the operation mode, or the operation mode for setting the communication channel for the professional transmission and reception with the voucher server 500; The receiving operation mode.

According to an exemplary embodiment of the present invention, a voucher mode for providing voucher information and payment processing according to the present invention in an initial mode and / or a general payment mode in an operation mode of the card terminal 100 to the card terminal 100 ( For example, when a predetermined mode change function key is set to the operation mode in which the voucher information is provided, the mode setting unit 160 is connected to the key input unit 120 as shown in FIG. 2A. Check whether a change function key is input, and according to the confirmation result, the operation mode of the card terminal 100 may be used in the initial mode and / or the general payment mode to provide the voucher information and the voucher mode for the payment processing (eg, Operating mode in which voucher information is provided), and when the operation mode of the card terminal 100 is set (or changed) to the voucher mode, the screen as shown in FIG. In connection with the output unit 125, the card reader unit 110 may request to read a predetermined voucher card.

According to another exemplary embodiment of the present invention, when predetermined voucher card read information is stored in the memory unit 145 provided in the card terminal 100, predetermined card information is linked with the card reader unit 110. When the card information is read and predetermined card information is read through the card reader unit 110, the card information is compared with the voucher card reading information, so that the card information is used to provide the voucher information and the voucher card for payment processing. The voucher mode (eg, the voucher information is provided for the voucher information provision and payment processing according to the present invention) in the initial mode and / or the normal payment mode according to the check result. Operation mode).

According to another exemplary embodiment of the present invention, when the operation mode of the card terminal 100 is previously set as a voucher mode, or the initial mode of the card terminal 100 matches the voucher mode, the mode is set. The unit 160 changes the operation mode of the card terminal 100 from an initial mode and / or a general payment mode to a voucher mode for providing voucher information and payment processing (for example, an operation mode in which voucher information is provided) according to the present invention. Setting may be omitted, and the present invention is not limited thereto.

Referring to FIG. 1, the card terminal 100 has a voucher mode in which the operation mode of the card terminal 100 is set by the mode setting unit 160 to provide a voucher information providing and payment processing function according to the present invention. If set to, the full text generation unit 165 for generating a full voucher information request message including at least one of the card information and merchant information (or terminal information) read from the voucher card in conjunction with the card reader 110; A specialized transmission unit 170 for transmitting the generated voucher information request message to the voucher server 500 through the communication network in connection with the communication processing unit 130, and the communication network in connection with the communication processing unit 130. Through the voucher server 500 through the voucher information providing full text including at least one or more voucher information (and / or voucher specific item information) associated with the card information An information output unit 180 for outputting the voucher information (and / or detailed voucher information per voucher) included in the voucher information providing full text received in association with the screen output unit 125; Information for inputting at least one voucher selection information (and / or sub-item selection information) corresponding to at least one voucher information that the voucher target customer wants to be serviced among the outputted voucher information in connection with the key input unit 120. And an input unit 185 and an amount calculator configured to calculate payment amount information and / or total payment amount information for each sub-item corresponding to the detailed item selection information. It further comprises a function for generating a full payment approval request message including the payment amount information for each item, the specialized transmission unit 170 is And a function of transmitting a pre-payment approval request full text to the voucher server 500 in connection with the communication processing unit 130, and the preamble receiving unit 175 receives a payment approval response corresponding to the full payment approval request text. Characterized in that it further comprises a function for receiving the full text.

When the operation mode of the card terminal 100 is set to the voucher mode by the mode setting unit 160, the full text generation unit 165 reads card information read from the voucher card through the card reader 110. And generating a voucher information request full text including affiliate store information (or terminal information) stored in the memory unit 145. The merchant information (or terminal information) is included in the voucher information request full text according to the intention of a person skilled in the art. May be omitted, and the present invention is not limited thereto.

When the voucher information request message is generated by the message generation unit 165, the message transmission unit 170 transmits the generated voucher information request message through the communication network in connection with the communication processor 130 to the voucher server. And the voucher server 500 identifies and extracts at least one voucher information stored in association with card information included in the full voucher information request from a predetermined storage medium. A predetermined voucher information providing full text including the extracted voucher information is generated and transmitted to the card terminal 100 through the communication network.

After the voucher information request message is transmitted to the voucher server 500 by the expert transmitter 170, the expert receiver 175 is connected to the communication processor 130 through the communication network to the voucher server ( 500 to determine whether a voucher information providing full text including at least one voucher information (and / or voucher specific item information) is received, and in connection with the communication processor 130 according to the confirmation result, through the communication network. Receiving a voucher information providing full text.

According to an embodiment of the present invention, the full voucher information provision message includes at least one voucher information (service item information) that the voucher target customer may be provided through the voucher card (or associated with the voucher card). In this case, the detailed item information for each voucher is stored in the memory unit 145 included in the card terminal 100 (not shown), or the information input unit 185 corresponds to the voucher information. After confirming the predetermined voucher selection information, the full text generation unit 165 generates a detail request message for requesting the detailed voucher information for each voucher corresponding to the voucher selection information, and in the full text transmission unit 170 After the full item request message is transmitted to the voucher server 500 through the communication network, the full text receiving unit 175 receives the voucher. The server 500 may receive a detailed item providing full text including at least one voucher-specific item information, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the full voucher information providing correspondence may correspond to at least one voucher information that can be provided by the voucher target customer through the voucher card (or associated with the voucher card) and the voucher information. Preferably, at least one voucher is further included.

According to an exemplary embodiment of the present invention, the detailed item information for each voucher may include at least one detailed item information that may be provided to the voucher target customer for each voucher in response to the voucher information, and the input unit information for each detailed item (or Payment unit information), and total payment amount calculation information and customer charge information corresponding to the input unit information (or payment unit information).

Here, the detailed item information included in the detailed item information for each voucher includes voucher service information corresponding to at least one or more voucher information that can be provided through the voucher card (or associated with the voucher card). It is preferable.

For example, if the voucher corresponding to the voucher information is a "maternal caregiver voucher", the detailed item information included in the detailed item information for each voucher may be "laundry" item, "cleaning" item, "bath" item, "catering" item It may comprise at least one or more.

Further, the input unit information (or payment unit information) for each subitem included in the detailed item information for each voucher may be a voucher service (or a voucher product) corresponding to the detailed item for each voucher through the voucher card. In order to be provided) it is preferable to include a unit to be input through the key input means provided in the card terminal (100).

For example, a unit for inputting a voucher target customer to receive a voucher service (or voucher product) corresponding to the detailed item of each voucher through the voucher card may be a payment corresponding to the voucher service provision (or voucher product provision). It may include a "money amount" for inputting the amount, in this case, a user interface for inputting the "money amount" for each detail item is output on the screen of the card terminal 100.

Alternatively, a unit input by the voucher target customer to receive a voucher service (or a voucher product) corresponding to the detailed item of each voucher through the voucher card may be a service corresponding to the voucher service provision (or voucher product provision). It may include a "time" for inputting the providing time, in this case, a user interface for inputting the "time" for each detail item is output on the screen of the card terminal 100.

Alternatively, a unit input by the voucher target customer to receive a voucher service (or a voucher product) corresponding to the detailed item of each voucher through the voucher card may be a service corresponding to the voucher service provision (or voucher product provision). (Or a number of items) for inputting the number of provisions, and in this case, a user interface for inputting the number of pieces per detail item is output on the screen of the card terminal 100.

Alternatively, a unit input by the voucher target customer to receive a voucher service (or a voucher product) corresponding to the detailed item of each voucher through the voucher card may be a service corresponding to the voucher service provision (or voucher product provision). It may include a "number of times" for inputting the number of provision, in this case, the user interface for inputting the "count" for each detail item is output on the screen of the card terminal 100.

In addition, the total payment amount calculation information for each subitem included in the detailed item information for each voucher, the voucher target customer receives a voucher service (or voucher product) corresponding to the detailed item for each voucher through the voucher card It is preferable to include a formula (or method) for calculating the payment amount for.

For example, when the input unit (or payment unit) included in the detailed item information for each voucher is "amount", if the valid customer fee information is included in the detailed item information for each voucher, the total payment amount calculation information is A formula (or method) for calculating a payment amount for each subitem by subtracting the customer burden from an amount corresponding to an input unit (or payment unit), and a formula for calculating the total payment amount by adding up the payment amount for each subitem ( Or a method), and on the contrary, in the case where the detailed item information for each voucher does not include valid customer contribution information, the total payment amount calculation information is used to determine a payment amount corresponding to the input unit (or payment unit). It is preferable to include a formula (or method) for adding up to calculate the total payment amount.

Alternatively, when the input unit (or payment unit) included in the detailed item information for each voucher is "time", the total payment amount calculation information may be a formula (or method) for calculating the time as an amount (for example, per unit time). Amount of money), and if the customer fee information is included in the detailed item information for each voucher, the total payment amount calculation information is included in the amount of money corresponding to the input unit (or payment unit). It is preferable to further include a formula (or method) for calculating the payment amount for each sub-item by subtracting the charge and a formula (or method) for calculating the total payment amount by adding up the payment amount for each sub-item, and vice versa. If the detailed item information for each voucher does not include valid customer contribution information, the total payment amount calculation information is included in the input unit. (Or a payment unit) preferably further includes a formula (or method) for calculating the total payment amount by summing the payment amount.

Alternatively, when the input unit (or payment unit) included in the detailed item information for each voucher is "number", the total payment amount calculation information is a formula (or method) for calculating the number as an amount (for example, per unit number). Amount of money), and if the detailed information for each voucher includes valid customer fee information, the total amount of payment information is calculated based on the amount of money corresponding to the input unit (or payment unit). It is preferable to further include a formula (or method) for calculating the payment amount for each sub-item by subtracting and a formula (or method) for calculating the total payment amount by summing the payment amount for each sub-item, on the contrary, the voucher If the detailed information of each item does not include valid customer contribution information, the total payment amount calculation information may be included in the input unit ( Or a formula (or method) for calculating the total payment amount by adding up the payment amount corresponding to the payment unit).

Alternatively, when the input unit (or payment unit) included in the detailed item information for each voucher is "number of times", the total payment amount calculation information may be a formula (or method) for calculating the number of times as an amount (eg, per unit number of times). Amount of money), and if the detailed information for each voucher includes valid customer fee information, the total amount of payment information is calculated based on the amount of money corresponding to the input unit (or payment unit). It is preferable to further include a formula (or method) for calculating the payment amount for each sub-item by subtracting and a formula (or method) for calculating the total payment amount by summing the payment amount for each sub-item, on the contrary, the voucher If the detailed information of each item does not include valid customer contribution information, the total payment amount calculation information may be included in the input unit ( Or a formula (or method) for calculating the total payment amount by adding up the payment amount corresponding to the payment unit).

When the voucher information providing full text including at least one voucher information is received by the full text receiving unit 175, the information output unit 180 receives the voucher target customer from the voucher information providing text through the voucher card. And extracting voucher information corresponding to at least one service item, and outputting the extracted at least one voucher information as shown in FIG. 2C in connection with the screen output unit 125.

After at least one voucher information is output by the information output unit 180, the information input unit 185 services the voucher target customer among the at least one voucher information output in connection with the key input unit 120. At least one voucher selection information corresponding to at least one voucher information to be received is input.

If the voucher selection information is input through the information input unit 185 and the voucher information providing full text received through the professional receiving unit 175 is included in the voucher-specific detailed item information corresponding to the voucher selection information, Alternatively, when detailed item information for each voucher corresponding to the voucher selection information is pre-stored in the memory unit 145 provided in the card terminal 100, the information output unit 180 may be included in the voucher selection information as shown in FIG. 2D. At least one subitem information included in corresponding subcategory information is output.

On the other hand, when the voucher selection information is input through the information input unit 185, the voucher information providing text does not include the detailed voucher item information corresponding to the voucher selection information or is provided in the card terminal 100. If the voucher-specific detail information corresponding to the voucher selection information is not stored in the memory unit 145, the full text generation unit 165 requests the voucher-specific detail information corresponding to the voucher selection information. The item request message is generated, and the message transmitter 170 transmits the detailed item request message to the voucher server 500 through the communication network, and the message receiver 175 receives the message from the voucher server 500. Preferably, a detailed item providing full text including at least one voucher specific item information is received, and the information output unit 180 is shown in FIG. As in 2d, and outputs the at least one detail information included in the voucher-specific detail information corresponding to the voucher selection information.

Thereafter, the information input unit 185 includes at least one or more sub-items corresponding to at least one or more sub-item information that the voucher target customer wants to receive from the at least one sub-item information output in connection with the key input unit 120. Characterized in that the selection information is input.

If the detailed item selection information is input through the information input unit 185, the information output unit 180 corresponds to the input unit included in the detailed item information for each voucher in response to the detailed item selection information as shown in FIG. 3A. Or a transaction information input user interface for inputting payment information corresponding to a payment unit), wherein the information input unit 185 is connected to the key input unit 120 to the input unit (or payment unit). Input corresponding payment information, and the amount calculating unit 190 calculates a payment amount and a total payment amount for each detail item based on the payment amount calculation information and / or customer burden information included in the detailed item information for each voucher. The information output unit 180 outputs a payment amount for each subitem as shown in FIG. 3B, and outputs a total payment amount as shown in FIG. 3C.

Alternatively, when detailed item selection information is input through the information input unit 185, the information output unit 180 may include the input unit included in the detailed item information for each voucher in response to the detailed item selection information as shown in FIG. 4A. And a transaction information input user interface for inputting payment information including a payment amount corresponding to the payment unit (or payment unit), wherein the information input unit 185 is connected to the key input unit 120 to input the payment information. Input payment information including a payment amount corresponding to a payment unit (or payment unit), and the amount calculation unit 190 based on the payment amount calculation information and / or the customer fee information included in the detailed item information for each voucher; The total payment amount is calculated and the information output unit 180 outputs the total payment amount as shown in FIG. 4B.

When the total payment amount is calculated, the information output unit 180 uses the digital signature device of the voucher target customer through the digital signature device provided in the card terminal 100 as shown in FIGS. 3D and / or 4C. Or electronic signature).

According to another exemplary embodiment of the present invention, when the digital signature device is not provided in the card terminal 100, the digital signature provided in the card terminal 100 as shown in FIGS. 3d and / or 4c. The request to enter the digital signature (or electronic signature) of the voucher target customer through the device may be omitted, thereby limiting the present invention.

Thereafter, when the digital signature (or electronic signature) of the customer targeted for the voucher is input by the digital signature input unit 125 through the digital signature device, the full text generation unit 165 may provide the payment amount information for each sub-item (and / or Or generating a full payment approval request message including total payment amount information) and digital signature (or digital signature) information of the voucher target customer.

According to the exemplary embodiment of the present invention, the full text of the payment approval request generated by the full text generation unit 165 may further include the affiliate store information (or terminal information) stored in the memory 145, and / or the The card information read from the voucher card through the card reader 110 is further included, and / or further includes voucher selection information selected by the voucher target customer, or selected by the voucher target customer. It is preferable to further include the detailed item selection information, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, if the digital signature device is not provided in the card terminal 100, the digital signature (or Digital signature) information may be omitted, thereby the present invention is not limited.

When the payment approval request full text is generated by the full text generation unit 165, the full text transmission unit 170 transmits the full text of the payment approval request to the voucher server 500 in association with the communication processing unit 130. The professional receiving unit 175 may receive a payment approval response message corresponding to the payment approval request message in association with the communication processing unit 130.

When the payment approval response message is received through the message receiving unit 175, the information output unit 180 outputs a payment processing history included in the payment approval response message in association with the screen output unit 125. In addition, in connection with the print output unit 140, characterized in that for printing the payment receipt including the payment processing history included in the full payment approval response response.

2 is a diagram illustrating a configuration of a service item information providing screen associated with a card according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 illustrates a card read from the card through a predetermined card reader in the card terminal 100 when the predetermined service item information output mode is set in the card terminal 100 shown in FIG. An information providing screen configuration for outputting service item information and detailed item information associated with the card to the screen output means provided in the card terminal 100 based on the information, the general knowledge in the technical field to which the present invention belongs However, the present invention can infer various implementation methods for the screen configuration that provides the service item information associated with the card by referring to and / or modifying the drawing 2, but the present invention provides all the implementation methods inferred. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 2, a server provided at the financial institution (or voucher operator) is referred to as a "voucher server 500" for convenience, the card is referred to as a "voucher card", and service item information associated with the card is referred to as "voucher server 500". For convenience, it is called "voucher information".

According to an exemplary embodiment of the present invention, a voucher mode for providing voucher information and payment processing according to the present invention in an initial mode and / or a general payment mode in the card terminal 100 may be used. When a predetermined mode change function key is set to an operation mode in which voucher information is provided, the operation mode of the card terminal 100 is determined by inputting the mode change function key as shown in FIG. When the operation mode of the card terminal 100 is set (or changed) to the voucher mode, a predetermined card reader as shown in FIG. 2B is used as a screen output means provided in the card terminal 100. A screen for requesting reading of a predetermined voucher card is output.

Subsequently, when a predetermined card information is read from the voucher card through the card reader in response to the voucher card reading request, the card terminal 100 generates a full voucher information request message including the card information to generate the voucher server. After transmitting to the 500, receiving the corresponding voucher information providing full text, at least one voucher information (or service item) included in the voucher information providing full text display means provided in the card terminal 100 Will print

According to another exemplary embodiment of the present invention, when predetermined voucher card readout information is stored in the memory unit 145 provided in the card terminal 100, a predetermined card is provided through a card reader provided in the card terminal 100. When the information is read and the card information matches the voucher card information, the card terminal 100 generates a full voucher information request message including the card information and transmits it to the voucher server 500. Receiving a corresponding voucher information providing full text, and outputs at least one voucher information (or service item) included in the voucher information providing full text to the screen output means provided in the card terminal (100).

After at least one voucher information (or service item) is output as described above, if at least one or more voucher information is selected among the outputted voucher information (or service item), the card terminal 100 may be configured as shown in FIG. 2D. Detailed item information corresponding to the selected voucher information is output, and the corresponding voucher target customer selects a sebo item to be serviced.

3 is a diagram illustrating a payment processing screen configuration using service item information associated with a card according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 shows a screen configuration corresponding to the service item providing process shown in FIG. 2 in the card terminal 100 shown in FIG. 1, so that at least one detail item is selected. The present invention relates to a screen configuration for calculating a payment amount and a total payment amount for each payment, and specifically, when inputting payment information corresponding to "time" of an input unit (or payment unit) in addition to the payment amount for each detail item, The terminal 100 calculates a payment amount and a total payment amount for each sub-item from payment information corresponding to the "time", and shows a screen configuration for payment processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the payment processing screen configuration using the service item information associated with the card. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the server provided in the financial institution (or voucher operator) is referred to as a "voucher server 500" for convenience, the card is referred to as a "voucher card", and service item information associated with the card is referred to. For convenience, it is called "voucher information".

By outputting a screen configuration corresponding to the service item providing process shown in FIG. 2, when at least one detailed item is selected, the card terminal 100 inputs payment information corresponding to "time" as shown in FIG. When the transaction information input interface is output and payment information corresponding to the “time” is input, the card terminal 100 calculates payment amount information for each subitem from the payment information corresponding to the “time” as shown in FIG. 3B. The total payment amount information is calculated by outputting the sum of the payment amount information for each sub-item as shown in FIG. 3C.

Thereafter, the card terminal 100 requests to input the digital signature (or electronic signature) of the customer targeted for the voucher through a predetermined digital signature device as shown in FIG. 3D, and approves the payment including the payment amount information for each detail item. After the request is sent to the voucher server 500 for payment processing, the payment processing details as shown in FIG. 3E are output.

4 is a diagram illustrating a payment processing screen configuration using service item information associated with a card according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 outputs a screen configuration corresponding to the service item providing process shown in FIG. 2 from the card terminal 100 shown in FIG. 1, so that at least one detail item is selected. A screen configuration for calculating a payment amount and a total payment amount for each item and processing the payment. Specifically, when the payment amount for each subitem is input, the card terminal 100 calculates a total payment amount based on the payment amount. Shows a screen configuration for payment processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for the payment processing screen configuration using the service item information associated with the card. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, in FIG. 4, a server provided in the financial institution (or voucher operator) is referred to as a "voucher server 500" for convenience, the card is referred to as a "voucher card", and service item information associated with the card is referred to as "voucher server 500". For convenience, it is called "voucher information".

By outputting a screen configuration corresponding to the service item providing process shown in FIG. 2, when at least one detailed item is selected, the card terminal 100 inputs transaction information for inputting a payment amount for each detailed item as shown in FIG. 4A. When an interface is output and the payment amount for each subitem is input, the card terminal 100 calculates and outputs the total payment amount information by summing the payment amount information for each subitem as shown in FIG. 4B.

Thereafter, the card terminal 100 requests to input the digital signature (or electronic signature) of the customer for the voucher through a predetermined digital signature device as shown in FIG. 4C and approves the payment including the payment amount information for each detail item. After the request is sent to the voucher server 500 for payment processing, the payment processing details as shown in FIG. 4D are output.

5 is a diagram illustrating a card operating system configuration through providing service item information and payment processing associated with a card according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that the server terminal provided in the card company (or a card operating institution) provides service item information associated with the card to the card terminal 100 shown in FIG. In the card operating system configuration for processing the payment amount of at least one or more sub-items corresponding to the service item information, specifically, the card company (or card management agency) is a predetermined financial institution (or health and welfare department, or each In the case of a local government or a voucher management institution, the system configuration for operating a card issued by the financial institution (or the Ministry of Health and Welfare, or each local government, or a voucher management agency) is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 5 to infer various implementation methods for the configuration of a card operating system through providing service item information and payment processing functions associated with a card. Although the present invention may be made, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 5, the server provided in the financial institution (or voucher operator) is referred to as a "voucher server 500" for convenience, the card is referred to as a "voucher card", and service item information associated with the card is referred to as "voucher server 500". For convenience, it is called "voucher information".

Referring to FIG. 5, a voucher card operating system using the voucher information provision and payment processing function includes a card terminal 100 having the function configuration shown in FIG. 1, a card communication system, and a predetermined communication network. A voucher server 500 connected through the bank and a predetermined voucher operation account (or voucher virtual account or voucher account) associated with the card are provided.

Referring to FIG. 5 according to an embodiment of the present invention, the financial system is connected to at least one or more teller terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (eg, a branch network). It is characterized in that, through the counter terminal provides a financial transaction service of the face-to-face method for at least one voucher target customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one voucher target customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more voucher target customers through a laptop and / or portable terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one voucher target customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one voucher customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network). IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one or more voucher target customers.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one voucher target customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one voucher target customer through terrestrial DMB terminals).

Referring to FIG. 5, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one voucher target customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and supporting branch information support and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is a component in the financial system. An interface module corresponding to a middleware platform that provides inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one or more voucher target customers, to provide at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger, wherein the ledger D / B is provided with a predetermined welfare in the financial institution (or the Ministry of Health and Welfare, each local government, or a voucher operating institution). A predetermined voucher operating account for managing a fund (or voucher payment amount) is opened, and at least one voucher virtual account for each of the voucher target customers linked to the voucher operating account is opened, or the voucher target customer Voucher account corresponding to real account in the name is opened It shall be.

According to the present invention, the voucher account is associated with the voucher virtual account (or voucher account), the payment amount through the voucher card from the voucher virtual account (or voucher account) associated with the voucher card It is characterized by being withdrawn and paid (or settled).

Referring to FIG. 5, the voucher server 500 may include card information corresponding to a voucher card associated with a voucher virtual account (or voucher account) included in the financial system and at least one voucher information corresponding to the voucher card ( Or a storage medium 530 for interworking and storing the service item information or interworking with the storage medium 530, wherein the storage medium 530 is predetermined according to the intention of a person skilled in the art. The detailed item information for each voucher corresponding to the voucher information may be further linked and stored.

According to the method of the present invention, it is preferable that the card information comprises at least one of a predetermined card number, a card expiration date, an English name of the card holder, and the like.

Here, the card number preferably comprises a card issuer code, a card type code, and a 16-digit card number including a predetermined serial number and a check digit. It is possible to use by modifying.

In addition, the card validity period preferably comprises a period (or the last service available date) to receive the voucher information and payment processing services through the card terminal 100 from the date the voucher card is issued. In addition, according to the intention of the person skilled in the art, the card validity period may be omitted, thereby the present invention is not limited.

The English name of the card holder may include an English name of a voucher subject who has been issued the voucher card from the financial institution (or the Ministry of Health and Welfare, a local government, or a voucher management institution). The English name of the card holder may be omitted according to the intention of the present invention, whereby the present invention is not limited.

According to an embodiment of the present invention, the voucher information stored in association with the card information may include at least one service item information that can be provided to the voucher target customer through the voucher card (or associated with the voucher card). It is preferable to make it.

According to the exemplary embodiment of the present invention, the detailed item information for each voucher may include at least one detailed item information that may be provided to the voucher target customer for each voucher corresponding to the voucher information, and the input unit information for each detailed item ( Or payment unit information), and total payment amount calculation information and customer charge information corresponding to the input unit information (or payment unit information).

Here, the detailed item information included in the detailed item information for each voucher includes voucher service information corresponding to at least one or more voucher information that can be provided through the voucher card (or associated with the voucher card). It is preferable.

For example, if the voucher corresponding to the voucher information is a "maternal caregiver voucher", the detailed item information included in the detailed item information for each voucher may be "laundry" item, "cleaning" item, "bath" item, "catering" item It may comprise at least one or more.

Further, the input unit information (or payment unit information) for each subitem included in the detailed item information for each voucher may be a voucher service (or a voucher product) corresponding to the detailed item for each voucher through the voucher card. In order to be provided) it is preferable to include a unit to be input through the key input means provided in the card terminal (100).

For example, a unit for inputting a voucher target customer to receive a voucher service (or voucher product) corresponding to the detailed item of each voucher through the voucher card may be a payment corresponding to the voucher service provision (or voucher product provision). It may include a "money amount" for inputting the amount, in this case, a user interface for inputting the "money amount" for each detail item is output on the screen of the card terminal 100.

Alternatively, a unit input by the voucher target customer to receive a voucher service (or a voucher product) corresponding to the detailed item of each voucher through the voucher card may be a service corresponding to the voucher service provision (or voucher product provision). It may include a "time" for inputting the providing time, in this case, a user interface for inputting the "time" for each detail item is output on the screen of the card terminal 100.

Alternatively, a unit input by the voucher target customer to receive a voucher service (or a voucher product) corresponding to the detailed item of each voucher through the voucher card may be a service corresponding to the voucher service provision (or voucher product provision). (Or a number of items) for inputting the number of provisions, and in this case, a user interface for inputting the number of pieces per detail item is output on the screen of the card terminal 100.

Alternatively, a unit input by the voucher target customer to receive a voucher service (or a voucher product) corresponding to the detailed item of each voucher through the voucher card may be a service corresponding to the voucher service provision (or voucher product provision). It may include a "number of times" for inputting the number of provision, in this case, the user interface for inputting the "count" for each detail item is output on the screen of the card terminal 100.

In addition, the total payment amount calculation information for each subitem included in the detailed item information for each voucher, the voucher target customer receives a voucher service (or voucher product) corresponding to the detailed item for each voucher through the voucher card It is preferable to include a formula (or method) for calculating the payment amount for.

For example, when the input unit (or payment unit) included in the detailed item information for each voucher is "amount", if the valid customer fee information is included in the detailed item information for each voucher, the total payment amount calculation information is A formula (or method) for calculating a payment amount for each subitem by subtracting the customer burden from an amount corresponding to an input unit (or payment unit), and a formula for calculating the total payment amount by adding up the payment amount for each subitem ( Or a method), and on the contrary, in the case where the detailed item information for each voucher does not include valid customer contribution information, the total payment amount calculation information is used to determine a payment amount corresponding to the input unit (or payment unit). It is preferable to include a formula (or method) for adding up to calculate the total payment amount.

Alternatively, when the input unit (or payment unit) included in the detailed item information for each voucher is "time", the total payment amount calculation information may be a formula (or method) for calculating the time as an amount (for example, per unit time). Amount of money), and if the customer fee information is included in the detailed item information for each voucher, the total payment amount calculation information is included in the amount of money corresponding to the input unit (or payment unit). It is preferable to further include a formula (or method) for calculating the payment amount for each sub-item by subtracting the charge and a formula (or method) for calculating the total payment amount by adding up the payment amount for each sub-item, and vice versa. If the detailed item information for each voucher does not include valid customer contribution information, the total payment amount calculation information is included in the input unit. (Or a payment unit) preferably further includes a formula (or method) for calculating the total payment amount by summing the payment amount.

Alternatively, when the input unit (or payment unit) included in the detailed item information for each voucher is "number", the total payment amount calculation information is a formula (or method) for calculating the number as an amount (for example, per unit number). Amount of money), and if the detailed information for each voucher includes valid customer fee information, the total amount of payment information is calculated based on the amount of money corresponding to the input unit (or payment unit). It is preferable to further include a formula (or method) for calculating the payment amount for each sub-item by subtracting and a formula (or method) for calculating the total payment amount by summing the payment amount for each sub-item, on the contrary, the voucher If the detailed information of each item does not include valid customer contribution information, the total payment amount calculation information may be included in the input unit ( Or a formula (or method) for calculating the total payment amount by adding up the payment amount corresponding to the payment unit).

Alternatively, when the input unit (or payment unit) included in the detailed item information for each voucher is "number of times", the total payment amount calculation information may be a formula (or method) for calculating the number of times as an amount (eg, per unit number of times). Amount of money), and if the detailed information for each voucher includes valid customer fee information, the total amount of payment information is calculated based on the amount of money corresponding to the input unit (or payment unit). It is preferable to further include a formula (or method) for calculating the payment amount for each sub-item by subtracting and a formula (or method) for calculating the total payment amount by summing the payment amount for each sub-item, on the contrary, the voucher If the detailed information of each item does not include valid customer contribution information, the total payment amount calculation information may be included in the input unit ( Or a formula (or method) for calculating the total payment amount by adding up the payment amount corresponding to the payment unit).

Referring to FIG. 5, the voucher server 500 is connected to a voucher card associated with the voucher virtual account (or voucher account) included in the financial system from the card terminal 100 shown in FIG. 1 through a predetermined communication network. From the storage medium 530 through the full message receiving unit 505 for receiving a full voucher information request message containing at least one card information and merchant information (or terminal information) from the card information included in the full message; A professional transmission unit 515 for identifying at least one voucher information (and / or at least one voucher specific item information corresponding to the voucher information) associated with card information, and the at least one voucher information ( And / or at least one voucher-specific detail information corresponding to the voucher information). The full text generation unit 520 and a full text transmission unit 515 for transmitting the generated voucher information providing full text through the communication network to the card terminal 100 shown in FIG. .

Subsequently, the full text receiver 505 provides the payment amount for each sub-item corresponding to the voucher information (and / or at least one detailed voucher-specific detail information corresponding to the voucher information) included in the voucher information providing full text message through the communication network. (And / or total payment amount) and digital signature (or digital signature) information of the voucher target customer, and further includes the affiliate store information (or terminal information) stored in the memory unit 145 according to the intention of a person skilled in the art. And / or further include card information read from the voucher card through the card reader unit 110, and / or further include voucher selection information selected by the voucher target customer. Or receiving the full payment approval request message further including the detailed item selection information selected by the customer. It is characterized by.

Referring to FIG. 5, when the voucher server 500 receives the full payment approval request message through the specialized receiving unit 505, a voucher virtual account associated with the financial information associated with the financial system through a predetermined communication means. (Or a voucher account) to process payment approval of the payment amount (and / or total payment amount) for each sub-item included in the payment approval request text, and generate a payment approval response text corresponding to the payment approval processing result. It is characterized by comprising a payment approval processing unit 525.

According to the method of the present invention, the payment approval processing unit 525 is similar to the check card payment approval processing unit 525, the balance of the voucher virtual account (or voucher account) associated with the voucher card and the payment amount for each detail item By comparing (and / or the total payment amount), it is preferable to process the payment approval for the payment amount (and / or the total payment amount) for each sub-item.

According to another exemplary embodiment of the present invention, the payment approval response preamble may be generated by the preamble generator 520, and the present invention is not limited thereto.

According to an embodiment of the present invention, the payment approval response preamble further comprises balance information of the voucher virtual account (or voucher account) associated with the voucher card, in which case the voucher virtual account (or voucher) The balance information of the account) is preferably included in the payment receipt output through the card terminal 100 shown in FIG.

When the payment approval response message is generated, the message transmission unit 515 may transmit the generated payment approval response message to the card terminal 100 shown in FIG. 1 through the communication network.

6 is a diagram illustrating a service item information request process associated with a card in the card terminal 100 according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 is set (or switched) to an operation mode in which the card terminal 100 shown in FIG. 1 provides service item information and payment processing functions associated with a predetermined card through a predetermined key input means. If the card terminal 100 is a process for requesting the service item information associated with the card from the card terminal 100 to the server shown in Figure 5, specifically, the card is a predetermined financial institution (or health and welfare department, or each In the case of a voucher card issued to at least one voucher subject by a local government or a voucher management institution, the card terminal 100 is set (or switched) to a predetermined voucher mode through a predetermined key input means. ), A process of requesting the voucher information associated with the voucher card to the voucher server 500 shown in FIG. 5 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the service item information request process associated with the card. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the card terminal 100 shown in FIG. 1 is referred to as a "terminal" for convenience, and the voucher server 500 shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 6, the terminal illustrated in FIG. 1 determines whether the operation mode of the terminal is set (or switched) to a voucher mode through a predetermined key input means (600).

If the operation mode of the terminal is set (or switched) to the voucher mode (605), the terminal requests to read the voucher card possessed by a given voucher target customer through a predetermined screen output means (610), The card reader provided in the terminal determines whether predetermined card information is read from the voucher card (615).

According to the method of the present invention, it is preferable that the card information comprises at least one of a predetermined card number, a card expiration date, an English name of the card holder, and the like.

Here, the card number preferably comprises a card issuer code, a card type code, and a 16-digit card number including a predetermined serial number and a check digit. It is possible to use various modifications.

In addition, the card validity period preferably comprises a period (or the last service available date) to receive the voucher information and payment processing services through the card terminal 100 from the date the voucher card is issued. In addition, according to the intention of the person skilled in the art, the card validity period may be omitted, thereby the present invention is not limited.

The English name of the card holder may include an English name of a voucher subject who has been issued the voucher card from the financial institution (or the Ministry of Health and Welfare, a local government, or a voucher management institution). The English name of the card holder may be omitted according to the intention of the present invention, whereby the present invention is not limited.

If predetermined card information is read from the voucher card through a card reader provided in the terminal (615), the terminal generates a full voucher information request message including the card information read from the voucher card (620). Sending the generated voucher information request telegram to the voucher server 500 shown in FIG. 5 via a communication network (625), the server receives the voucher request telegram and receives the card from the received voucher request telegram. Information is extracted (630).

Thereafter, the server extracts at least one voucher information (and / or voucher specific item information) associated with the card information in association with the storage medium 530 illustrated in FIG. 5, and extracts the extracted information. Generate a voucher information providing full text including at least one voucher information (and / or voucher specific item information) (640), and transmits the voucher information providing full text through the communication network to the terminal shown in FIG. 645).

7 is a diagram illustrating a service item information request process associated with a card in the card terminal 100 according to another exemplary embodiment of the present invention.

In more detail, FIG. 7 reads card information read through a predetermined card reader from the card terminal 100 shown in FIG. 1 to provide service item information and payment processing functions associated with a predetermined card. When the mode is set (or switched), the card terminal 100 requests the service item information associated with the card from the server shown in FIG. 5. Specifically, the card is a predetermined financial institution ( Or a voucher card issued to at least one voucher subject by the Ministry of Health and Welfare, a local government, or a voucher management institution), the card information read through a predetermined card reader in the card terminal 100. After reading and setting (or switching) to a predetermined voucher mode, the voucher information associated with the voucher card to the voucher server 500 shown in FIG. It illustrates a process of requesting.

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 service item information request process associated with the card. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the card terminal 100 shown in FIG. 1 is referred to as a "terminal" for convenience, and the voucher server 500 shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 7, the terminal shown in FIG. 1 checks whether predetermined card information is read through a predetermined card reader (700), and if predetermined card information is read through the card reader (705), The read card information is read to determine whether to set (or switch) an operation mode of the terminal to a voucher mode (710).

According to the method of the present invention, it is preferable that the card information comprises at least one of a predetermined card number, a card expiration date, an English name of the card holder, and the like.

Here, the card number preferably comprises a card issuer code, a card type code, and a 16-digit card number including a predetermined serial number and a check digit. It is possible to use by modifying.

In addition, the card validity period preferably comprises a period (or the last service available date) to receive the voucher information and payment processing services through the card terminal 100 from the date the voucher card is issued. In addition, according to the intention of the person skilled in the art, the card validity period may be omitted, thereby the present invention is not limited.

The English name of the card holder may include an English name of a voucher subject who has been issued the voucher card from the financial institution (or the Ministry of Health and Welfare, a local government, or a voucher management institution). The English name of the card holder may be omitted according to the intention of the present invention, whereby the present invention is not limited.

If it is determined that the operation mode of the terminal is set (or switched) to a voucher mode (715), the terminal generates a full voucher information request message including the card information read from the voucher card (720), and establishes the communication network. The generated voucher information request message is transmitted to the voucher server 500 illustrated in FIG. 5 through the received voucher request message, and the server extracts the card information from the received voucher request message. (730).

Thereafter, the server extracts at least one voucher information (and / or voucher specific item information) associated with the card information in association with the storage medium 530 illustrated in FIG. 5 (735), and extracts the extracted information. Generate a voucher information providing full text including at least one voucher information (and / or voucher specific item information) (740), and transmits the voucher information providing full text through the communication network to the terminal shown in FIG. 745).

FIG. 8 is a diagram illustrating a process of calculating a payment amount (or a total payment amount) for each subitem based on a service item associated with a card in the card terminal 100 according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 shows a service item (or associated with the card from the server shown in FIG. 5 through the process shown in FIG. 6 and / or FIG. 7 by the card terminal 100 shown in FIG. Detailed item information), the card terminal 100 calculates a payment amount (or total payment amount) for each item based on the service item associated with the card, and specifically, the card Is a voucher card issued to at least one voucher subject by a predetermined financial institution (or the Ministry of Health and Welfare, each local government, or a voucher operator), the voucher information (at the card terminal 100). And / or detail item information for each voucher) illustrates a process of calculating a payment amount (or total payment amount) for each detail item.

For those of ordinary skill in the art to which the present invention pertains, a process of calculating a payment amount (or total payment amount) for each detail item based on the service item associated with the card by referring to and / or modifying the drawing 8 Although various embodiments of the present invention may be inferred, the present invention includes all the inferred embodiments, and the technical features are not limited to the embodiments shown in FIG.

Hereinafter, in FIG. 8, the card terminal 100 shown in FIG. 1 is referred to as a "terminal" for convenience, and the voucher server 500 shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 8, the terminal illustrated in FIG. 1 receives the full voucher information provision message from the server illustrated in FIG. 5 through the process illustrated in FIGS. 6 and / or 7, and the received voucher information. Extracting at least one voucher information (and / or voucher-specific detail information) from the provided text (800), and outputting the extracted at least one voucher information through the screen output means provided in the terminal, and at least one A request is made to enter the above voucher selection information (805).

If at least one voucher selection information is input through a key input unit provided in the terminal (810), the terminal outputs at least one detailed item information corresponding to the voucher selection information through the screen output means, A request is made to enter at least one detailed item selection information (815).

If at least one detailed item selection information is input through a key input unit provided in the terminal (820), the terminal displays at least one or more payment information corresponding to a payment unit of the detail selection information through the screen output means. It is requested to enter (825).

According to the exemplary embodiment of the present invention, the payment unit corresponding to the detailed item selection information may include a "time" for inputting a service providing time corresponding to the voucher service provision (or voucher product provision). In this case, a user interface for inputting "time" for each subitem is output to the screen output means.

Alternatively, the payment unit corresponding to the detailed item selection information may include “number” for inputting the number of service (or product) provisions corresponding to the voucher service provision (or voucher product provision). The screen output means outputs a user interface for inputting "number" for each subitem.

Alternatively, the payment unit corresponding to the detailed item selection information may include a "number of times" for inputting the number of service provisions corresponding to the voucher service provision (or voucher product provision). In this case, the screen output means The user interface for inputting the "count" for each subitem is output.

If at least one payment information corresponding to the payment unit of the detailed item selection information is input (830), the terminal determines the payment amount and the total payment amount of each of the at least one detail item through the payment information corresponding to the payment unit. Compute (835).

According to an embodiment of the present invention, if the payment unit of the detailed item selection information is "time", the terminal calculates the time as an amount of money, and if the voucher-specific detail information includes effective customer fee information If there is, the terminal calculates the payment amount for each subitem by subtracting the customer burden from the amount corresponding to the payment unit, and calculates the total payment amount by adding up the payment amount for each subitem, and vice versa. In the case where the detailed customer information does not include the effective customer fee information, the terminal may calculate the total payment amount by summing the payment amount corresponding to the payment unit.

Alternatively, when the payment unit of the detailed item selection information is "count", the terminal calculates the number as an amount, and if the valid customer fee information is included in the detailed item information for each voucher, It is preferable to calculate the payment amount for each subitem by subtracting the customer burden from the amount corresponding to the payment unit, and calculate the total payment amount by adding up the payment amount for each subitem, and vice versa. When the customer charge information is not included, the terminal preferably calculates a total payment amount by summing payment amounts corresponding to the payment units.

Alternatively, when the payment unit of the detailed item selection information is "count", the terminal calculates the number of times as an amount of money, and if the customer fee information is included in the detailed item information for each voucher, It is preferable to calculate the payment amount for each subitem by subtracting the customer burden from the amount corresponding to the payment unit, and calculate the total payment amount by adding up the payment amount for each subitem, and vice versa. When the customer charge information is not included, the terminal preferably calculates a total payment amount by summing payment amounts corresponding to the payment units.

9 is a diagram illustrating a process of calculating a payment amount (or total payment amount) for each subitem based on a service item associated with a card in the card terminal 100 according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 shows a service item (or service) associated with the card from the server shown in FIG. 5 through the process shown in FIG. 6 and / or 7 by the card terminal 100 shown in FIG. Detailed item information), the card terminal 100 calculates a payment amount (or total payment amount) for each item based on the service item associated with the card. In the case of a voucher card issued to at least one voucher subject by a predetermined financial institution (or the Ministry of Health and Welfare, each local government, or a voucher operator), the voucher information (and And / or a detailed information of each item based on the voucher) shows a process of calculating the payment amount (or the total payment amount) for each detail item.

For those of ordinary skill in the art to which the present invention pertains, a process of calculating a payment amount (or total payment amount) for each detail item based on the service item associated with the card by referring to and / or modifying the drawing 9 Various embodiments of the present invention may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 9, the card terminal 100 shown in FIG. 1 is referred to as a "terminal" for convenience, and the voucher server 500 shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 9, the terminal illustrated in FIG. 1 receives the full voucher information provision message from the server illustrated in FIG. 5 through the process illustrated in FIGS. 6 and / or 7, and the received voucher information. Extracting at least one voucher information (and / or voucher-specific item information) from the providing text (900), outputting the extracted at least one voucher information through the screen output means provided in the terminal, at least one or more A request is made to enter the voucher selection information (905).

If at least one voucher selection information is input through the key input means provided in the terminal (910), the terminal outputs at least one detailed item information corresponding to the voucher selection information through the screen output means, A request is made to enter at least one detailed item selection information (915).

If at least one detailed item selection information is input through a key input unit provided in the terminal (920), the terminal requests to input the payment information including the payment amount for each detail item through the screen output means. (925).

If payment information including the payment amount for each subitem is input (930), the terminal calculates a total payment amount through the payment amount for each subitem (935).

According to an embodiment of the present invention, if the detailed information on the voucher includes effective customer fee information, the terminal calculates the amount of payment for each detailed item by subtracting the customer fee from the amount corresponding to the payment unit, It is preferable to calculate the total payment amount by summing the payment amount for each sub-item. On the contrary, when valid customer fee information is not included in the detailed item information for each voucher, the terminal adds the payment amount corresponding to the payment unit. It is preferable to calculate the total payment amount.

FIG. 10 is a diagram illustrating a payment processing process using a payment amount (or a total payment amount) for each subitem according to an embodiment of the present invention.

In more detail, in FIG. 10, when the payment amount (or the total payment amount) for each detailed item is calculated through the process shown in FIGS. 8 and / or 9 in the card terminal 100 shown in FIG. This is a process of processing a payment amount (or a total payment amount) for each item. Specifically, the card is at least one voucher in a predetermined financial institution (or the Ministry of Health and Welfare, each local government, or a voucher operator). (Voucher) In the case of a voucher card issued to a subject, a process of processing a payment amount (or a total payment amount) for each detail item through a predetermined voucher virtual account (or voucher account) associated with the voucher card will be.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for the payment processing process through the payment amount (or the total payment amount) for each detail item. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, in FIG. 10, the card terminal 100 shown in FIG. 1 is referred to as a "terminal" for convenience, and the voucher server 500 shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 10, when a payment amount (or a total payment amount) for each detailed item is calculated through the process illustrated in FIGS. 8 and / or 9, the terminal illustrated in FIG. 1 uses a digital signature device. If the digital signature (or digital signature) of the voucher target customer is input (1000), and if the digital signature (or electronic signature) of the voucher target customer is input (1005), the terminal determines the payment amount for each detail item. Generate a payment approval request message including a total payment amount and a digital signature (or an electronic signature) of the customer for the voucher (1010), and the terminal transmits the payment approval request message to the server through the communication network; (1015).

Subsequently, the server shown in FIG. 5 receives the full payment approval request message through the communication network, extracts a payment amount (or total payment amount) for each detailed item from the received payment approval request message (1020), and In operation 1025, the payment amount (or total payment amount) for each subitem is processed through the voucher virtual account (or voucher account) associated with the card information in association with the financial system.

If payment for the sub-item payment amount (or total payment amount) is not approved through the voucher virtual account (or voucher account) associated with the card information (1030), the server makes payment for the payment approval process. A predetermined payment processing history including an error history is generated (1035).

On the other hand, if payment for the sub-item payment amount (or total payment amount) is approved through the voucher virtual account (or voucher account) associated with the card information (1030), the server approves the payment for the payment approval process. A predetermined payment processing history including the details is generated (1040).

Thereafter, the server generates a payment approval response message including a payment processing history and a voucher virtual account (or voucher account) balance information associated with the card information (1045), and generates the payment approval response through the communication network. The full text is transmitted to the terminal (1050).

Thereafter, the terminal receives the payment approval response message and extracts the payment processing history and the voucher virtual account (or voucher account) balance information, and through the screen output means, the payment processing history and the voucher virtual account (or voucher). Account) outputs balance information (1055), and prints out a payment receipt including the payment processing history and the voucher virtual account (or voucher account) balance information through a predetermined printing device 155 provided in the terminal. (1060).

According to the present invention, at the time of payment payment using a card in which at least one service item and at least one detail item corresponding to the service item are specified, the service terminal and / or the detail item associated with the card are provided to the card terminal. In this case, the card terminal has an advantage of conveniently processing a payment settlement corresponding to the service item and / or detail item.

According to the present invention, at the time of payment payment using a card in which at least one service item and at least one detail item corresponding to the service item are specified, a service item to be serviced is selected without directly inputting a payment amount, and / or By selecting a detailed item and inputting a payment unit corresponding to the detailed item, there is an advantage in that payment is easily and conveniently processed.

Claims (11)

delete delete delete delete delete delete delete delete Voucher Card comprising a key input unit, a card reader unit, a screen output unit, a communication processing unit, and a control unit for controlling each of the components, and the use of the card is limited to a specific purpose assigned at the time of issuing the card. In the card terminal processing the payment for)-, The control unit, When the transaction target is selected through the key input unit and card information is read through the card reader unit, the read card information is transmitted to the server corresponding to the selected transaction target through the communication processor, When the server checks the service item assigned to the card corresponding to the card information and transmits the checked service item, the server receives the received service item through the communication processor and outputs the received service item through the screen output unit. and, When the card user selects any one of the service items output through the key input unit, the detailed item corresponding to the selected service item is checked in association with the server or through the information stored in memory, and then the screen is displayed. Outputting the checked detailed items through an output unit, When the card user selects any one of the detailed items output through the key input unit, the screen output unit outputs (or selects) a payment amount (or payment unit for each detailed item) for each selected detailed item. , When the payment amount (or payment unit for each subitem) of the detailed item is input (or selected) through the key input unit, the payment amount for each detail item (or for each detailed item) completed (or selected) through the communication processing unit is completed. And a control unit for controlling the transmission of the payment approval request message including the payment unit information to the server on the communication network. The service item is, A card terminal comprising a voucher usage item assigned to a voucher card. A card terminal for processing a payment for a card (Voucher Card) in which the use of the card is limited only to a specific purpose allocated at the time of card issuance, A communication processing unit which transmits transaction target card information to a server on a communication network and receives a service item corresponding to the card information from the server; A screen output unit configured to output a screen for inputting (or selecting) a payment amount (or payment unit) for each selected item when a user selects one of the service items (or detailed items for each service item); A full text generation unit for generating a full text of a payment approval request by using the input (or selection) information of the payment (or payment) information when the payment amount (or payment unit) information for each item is input (or selected); And And a specialized transmission unit for transmitting the generated telegram to the server through the communication processing unit. The service item is, A card terminal comprising a voucher usage item assigned to a voucher card. delete

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