KR100945415B1 - Systen and Method for Processing Settlement by Overseas Card and Card Terminal Device - Google Patents

Abstract

The present invention comprises the steps of the merchant terminal reads the credit card information for the customer credit card, and sends the authorization request information to the Bansa server when the won transaction amount is input; The Bansa server checks the credit card information included in the authorization request information, and if the credit card is an overseas card, checks the exchange rate information with the foreign card issuing country and approves the foreign currency authorized amount corresponding to the won transaction amount according to the exchange rate information. Calculating information or confirming the foreign currency approval amount information by communicating with an exchange rate information providing server; Transmitting, by the bansa server, the exchange rate information and foreign currency approval amount information to the affiliated store terminal; Displaying, by the affiliated store terminal, a foreign currency transaction amount to which a won exchange rate and a current exchange rate are applied based on the exchange rate information and foreign currency approval amount information; If any one of the displayed won transaction amount and foreign currency transaction amount is selected, transmitting payment approval request information from the affiliated terminal to the bansa server using the selected currency as an authorization request amount; And performing a payment approval processing procedure for the foreign card from the bansa server to the purchaser.

Overseas Card, Card Payment, Multiple Currency Payment

Description

Method and System for Overseas Payment Processing and Card Terminal Device for It {Systen and Method for Processing Settlement by Overseas Card and Card Terminal Device}

1 is a diagram illustrating a functional configuration of a payment terminal having a multi-currency payment mode according to an embodiment of the present invention.

2 is a diagram illustrating a configuration of a card payment system for a multi-currency payment service according to an embodiment of the present invention.

3 is a diagram illustrating a payment processing process of a domestic issued credit card among the functions of a payment terminal having a multi-currency payment mode according to an embodiment of the present invention.

4 is a diagram illustrating a payment processing process for an overseas issued credit card among the functions of a payment terminal having a multi-currency payment mode according to an embodiment of the present invention.

5 is a diagram illustrating an example screen of a payment terminal screen for outputting exchange rate information, won payment amount information, and foreign currency payment amount information according to an embodiment of the present invention.

6 is a diagram illustrating a payment approval request specialized structure for a multi-currency payment service according to an embodiment of the present invention.

7 is a diagram illustrating a payment approval professional structure for a multi-currency payment service according to an embodiment of the present invention.

<Description of main parts of drawing>

100: bansa server 105: card company server

110: control unit 115: mode confirmation unit

120: information input unit 125: information confirmation unit

130: professional generation unit 135: professional transmission unit

140: professional receiving unit 145: professional confirmation unit

150: professional processing unit 153: card reader unit

155: screen output unit 160: key input unit

163: power supply unit 165: memory unit

170: printing apparatus 173: printing output unit

175: security application module 180: communication processing unit

185: payment terminal 190: financial card

The present invention relates to a payment processing method and system and a card terminal device for the same, and more particularly, to a payment processing method and system for an overseas card and a card terminal device for the same.
Due to the rapid development of modern society, the proportion of foreigners entering Korea increased day by day, and tourists also increased.
In the case of providing only payment service in won to customers using a credit card issued in a foreign country in Korea, there is a complicated problem in that the customer wants to make a payment in foreign currency.

delete

delete

Accordingly, an object of the present invention is to provide a multi-currency payment processing method and system that allows a customer to selectively use foreign currency or won payment when making a credit card payment and a card terminal device therefor.
Another object of the present invention is to provide a credit card if the customer chooses to pay in foreign currency.
The present invention provides a payment processing method and system for accurately calculating a payment amount of money and a card terminal device for the same.

In accordance with another aspect of the present invention, a payment processing method for an overseas card includes: receiving, by an affiliated terminal, credit card information about a customer credit card, and transmitting an authorization request information to a bansa server when a won transaction amount is input; If the credit card is an overseas card by checking the credit card information included in the authorization request information on the Bansa server, the exchange rate information with the foreign card issuing country is checked and the foreign currency authorization amount corresponding to the won transaction amount according to the exchange rate information Calculating information or confirming the foreign currency approval amount information by communicating with an exchange rate information providing server; Transmitting, by the bansa server, the exchange rate information and foreign currency approval amount information to the affiliated store terminal; Displaying, by the affiliated store terminal, a foreign currency transaction amount to which a won exchange rate and a current exchange rate are applied based on the exchange rate information and foreign currency approval amount information; If any one of the displayed won transaction amount and foreign currency transaction amount is selected, transmitting payment approval request information from the affiliated terminal to the bansa server using the selected currency as an authorization request amount; And performing a payment approval processing procedure for the foreign card from the bansa server to the purchaser.
Preferably, in the payment processing method of an overseas card according to the present invention, the method further comprises checking whether the overseas card is a card capable of a multi-currency payment service. If the multi-currency payment service is a card is not possible, the Bansa server is characterized in that the payment approval process for the overseas card to the purchaser immediately perform.
In another aspect, the present invention provides a payment processing method of an overseas card, comprising: receiving, by a Bansa server, payment authorization request information including customer credit card information and won transaction value information from a merchant terminal; The Bansa server checks the credit card information included in the received payment authorization request information, and if the credit card is an overseas card, checks exchange rate information with the foreign card issuing country and corresponds to the won transaction amount according to the exchange rate information. Calculating foreign currency approval amount information or communicating the foreign currency approval amount information with an exchange rate information providing server to verify the foreign currency approval amount information; And transmitting, by the bansa server, the exchange rate information and the foreign currency approval amount information to the affiliated store terminal.
In another aspect, the present invention provides a payment processing system for an overseas card, comprising: means for receiving payment authorization request information including customer credit card information and won transaction value information from a merchant terminal; Means for checking the credit card information included in the payment approval request information and determining whether the credit card is a domestic card or an overseas card; As a result of the determination, when the credit card is an overseas card, the exchange rate information with the foreign card issuing country is checked, and the foreign currency approval amount information corresponding to the won transaction amount is calculated according to the exchange rate information, or the foreign currency approval amount information is determined. Means for communicating with the exchange rate information providing server to confirm; And means for transmitting the exchange rate information and foreign currency approval amount information to the affiliated store terminal.
Preferably, when the credit card is an overseas card, the overseas card payment processing system further comprises means for checking whether the overseas card is a card capable of a multi-currency payment service.
In another aspect, the present invention provides a card terminal device, comprising: means for transmitting payment approval request information including customer overseas card information and won transaction amount information to a bansa server; Means for receiving, from the bansa server, exchange rate information with the foreign card issuing country and foreign currency authorization amount information corresponding to the won transaction amount to which the exchange rate is applied; Means for displaying, on the screen, a foreign currency transaction amount to which a won exchange rate and a current exchange rate are applied based on the received exchange rate information and foreign currency approval amount information; And means for transmitting the payment approval request information for which the selected currency is the approval request amount to the bansa server when any one of the displayed won currency value and the foreign currency transaction amount is selected.
In another aspect, the present invention provides a card terminal device, comprising: means for transmitting payment approval request information including customer overseas card information and won transaction amount information to a Bansa server; Means for receiving, from the bansa server, foreign currency transaction amount information corresponding to the won transaction amount to which the exchange rate with the foreign card issuing country is applied; Means for displaying the won transaction amount and the received foreign currency transaction amount on a screen; And means for transmitting the payment approval request information for which the selected currency is the approval request amount to the bansa server when any one of the displayed won currency value and the foreign currency transaction amount is selected.
Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.
In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.
In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.
As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.
Hereinafter, when the payment terminal requests payment approval, the present invention may transmit the approval request information in addition to the full payment approval request message, and in response thereto, includes a payment processing result corresponding to the full payment approval request text (or approval request information). In addition to the full payment approval response to receive the approval response information, whereby the present invention is not limited.
In addition, in the present invention, the card company server may be a purchase company server, when the card company server is a purchase company server, the purchase company server may further process the payment processing process in connection with the card issuer that issued the overseas card, The present invention is not limited by this.
1 is a diagram illustrating a functional configuration of a payment terminal 185 having a multi-currency payment mode according to an embodiment of the present invention.
In more detail, FIG. 1 illustrates an embodiment of a payment terminal 185 having a multi-currency payment mode including at least one of a transaction approval mode, an approval mode, and a approval approval mode for a multi-currency payment service. However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer various payment terminal 185 functional configurations for the multi-currency payment service. It is to be understood that the technical features are not limited by the present invention, but include all the inferred implementation methods.
Referring to FIG. 1, a payment terminal 185 having a multi-currency payment mode including at least one of a transaction approval mode, an approval mode, and a approval approval mode for a multi-currency payment service is basically a control unit 110. The memory unit 165, the card reader unit 153, the key input unit 160, the screen output unit 155, the communication processing unit 180, the security application module 175, the print output unit 173, and the payment terminal ( It includes a power supply unit 163 for supplying power to the 185, and comprises at least one or more terminal functional unit (not shown) according to the intention of the skilled person.
The control unit 110 controls the overall operation of the payment terminal 185 in the functional configuration, manages the flow of information or data between each component, and the payment terminal 185 for processing exchange rate information for multi-currency payments. At least one processor and an execution memory (eg, registers and / or hardware) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware; Or RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and from the predetermined recording medium to perform a function specific to the payment terminal 185 by software. Contains certain program routines and / or program data that are loaded into execution memory and computed by the processor. (As a result, a predetermined program recorded on a recording medium provided in the payment terminal 185 and / or a functional configuration provided in the payment terminal 185 for processing exchange rate information for payment of a multi-currency can be implemented in software. And a component capable of processing, as shown in the control unit 110).
According to the exemplary embodiment of the present invention, the control unit 110 outputs the components (eg, the memory unit 165, the card reader unit 153, the key input unit 160, and the screen) provided in the payment terminal 185. The payment terminal 185 by interworking the unit 155, the communication processing unit 180, the security application module 175, the print output unit 173 and / or the terminal functional unit (not shown) according to the intention of the skilled person. Control and manage the provision of the electronic payment service defined in the), as well as to control the components provided in the payment terminal 185 for the multi-currency payment service according to the present invention, and / or the It is preferable to execute a program recorded on a recording medium provided in the payment terminal 185 for a multi-currency payment service.
The memory unit 165 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 185 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 110 to perform a predetermined control function (for example, data input or output for the program routine to perform a predetermined function) ) Is stored.
According to the exemplary embodiment of the present invention, the memory unit 165 may store transaction history information including at least one transaction date and time, a payment amount, and card information paid through the payment terminal 185.
The customer who receives the multi-currency payment service according to the present invention through the payment terminal 185, the contact type based on the MS (Magnetic Stripe) card, and / or ISO / IEC 7816 standard based on the ISO / IEC 7810 standard Has (or owns) a card including at least one IC card (or wireless IC chip) and / or a non-contact IC card (or wireless IC chip) based on ISO / IEC 14443 standard, wherein the card reader unit ( 153 is characterized in that to provide an interface for reading at least one or more information or data provided in the card.
According to an embodiment of the present invention, the card reader unit 153 may include an MS reader unit that provides an interface between the MS card and the payment terminal 185, and / or the contact IC card and the payment terminal 185. 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 payment terminal 185.
The MS reader unit is a card reader unit 153 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the payment terminal 185 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 153 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal (185).
The contactless IC reader unit is a card reader unit 153 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 185.
According to an embodiment of the present invention, the card reader unit 153 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 153 for the electronic payment service defined in the payment terminal 185. Payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account), and at least one for a multi-currency payment service according to the present invention. It is preferable to read predetermined credit card information from the above card.
The key input unit 160 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal 185 controlled by the controller 110. 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 110. The controller 110 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 185, and / or defines a predetermined defined match with the key event. Characterized in that for obtaining a command to execute the function. The key input unit 160 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the payment terminal 185.
The key input device interoperating with the key input unit 160 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 160 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 payment terminal 185. It is preferable to perform the function of the key input means for receiving the input, and also to input at least one or more key data required in the process of providing the multi-currency payment service from the key input device for the multi-currency payment service according to the present invention. It is preferable to perform the function of the receiving key input means.
According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 160 may perform the multi-currency payment service according to the present invention in an operation mode of the payment terminal 185 in an initial mode and / or a general payment mode. It is desirable to have a key button for switching to a multi-currency payment mode including at least one of the transaction approval mode, approval approval mode, approval approval mode.
The screen output unit 155 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 110 in the process of the payment terminal 185 performs a predetermined function (for example, the electronic payment processing function) And at least one or more information or data that is predefined or defined in real time to be output to a predetermined output device including a Ray Tube) through a predefined interface screen, wherein the screen output unit 155 And the screen output device interoperate with each other to perform the function of the screen output means provided in the payment terminal 185.
Predefined information or data to be output from the payment terminal 185 to the screen output device includes key data input through the key input unit 160 and / or components provided in the payment terminal 185. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 180, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 185. It comprises at least one.
According to a preferred embodiment of the present invention, the screen output unit 155 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 185 It is preferable to perform a function of an output means, and to perform a function of a screen output means for outputting a processing screen corresponding to the multi-currency payment service providing step to the screen output apparatus for the multi-currency payment service according to the present invention. It is preferable.
The communication processing unit 180 is a card company server that is connected through a payment network (for example, Value Added Network (VAN)) in the process of the payment terminal 185 performs a predetermined function (for example, electronic payment processing function) ( 105) and / or a terminal (or device) connected to the payment terminal 185 through a predetermined cable and / or a terminal (or device) connected to the payment terminal 185 through a predetermined short range wireless communication. It is characterized in that it provides a predetermined communication means for connecting the session, a network communication unit for connecting a predetermined communication channel with a card company server 105 on a wired or wireless network, and / or a predetermined terminal via a predetermined cable communication port A predetermined short distance communication terminal (or device) device and a predetermined distance through a cable communication unit for connecting a communication session with the (or device), and / or at least one short range wireless communication means. Comprised, including the short-range wireless communication unit for connecting a new session 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 predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And a communication channel with a card company server 105 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and to connect the payment terminal 185 to a predetermined wired / wireless network in hardware. It includes a modem or a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the payment terminal 185 to the wired / wireless network.
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 Secure Application Module (175) is a confidentiality and / or authentication required by the payment terminal 185 in the process of performing the electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, etc., within the payment terminal 185 without using an authentication server (or card company server 105) on the payment network. As a safety device for performing a reliable and reliable structure, a predetermined message (information or data) processed in the process of the payment terminal 185 performing a predetermined security request function (for example, electronic payment and / or electronic payment function). Key information important in the process of encrypting or decrypting, adding an authenticator that prevents forgery (or tampering) of the message, or performing the security request function. It characterized in that it performs the function of storing.
In general, the security application module 175 is preferably composed of a predetermined security application module 175 inserter and a security application module 175 chip, the security application module 175 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 175 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 185 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 173 may process the payment terminal 185 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data generated as a result (for example, payment processing result information or Data) to a predetermined printing apparatus 170 (for example, a receipt printer), and to print the print information or data through the predetermined printing apparatus 170 in accordance with a predefined printing form. Including printing protocols and drivers.
Referring to Figure 1, the payment terminal 185 is a transaction approval mode, the approval mode corresponding to the multi-currency payment service operation mode of the payment terminal 185 to provide a multi-currency payment service according to the present invention. A mode confirming unit 115 for confirming whether the multi-currency payment mode includes at least one mode and an approval approval mode, and the operation mode of the payment terminal 185 is the transaction approval mode, the approval mode, or the approval method. In the multi-currency payment mode including at least one of the confirmation mode, the card reader unit 153 reads and inputs predetermined credit card information for the multi-currency payment service from the customer card, and / or the Input payment amount information for the multi-currency payment service from a predetermined key input means through a key input unit 160, and / or from the key input means An information input unit 120 for inputting currency selection information including selection information on whether to settle one of the foreign currency approval amount and the won transaction amount for the multi-currency payment service; and the card input through the information input unit 120. Full text generation unit 130 for generating a payment approval request message containing at least one information, payment amount information, and the card company server 105 on the payment network via the communication processing unit 180 to generate the payment approval request full text; Corresponding to the full payment approval request from the card company server 105 on the payment network (or bansa server 100 on the payment network) through the exchange rate information providing server 135 and the communication processor 180. The professional receiving unit 140 for receiving a payment approval response message including a payment processing history, and confirming the information included in the received payment approval response message. Due to the professional confirmation unit 145 to check whether the payment approval response professional is a payment approval response professional including exchange rate information for providing a multi-currency payment service for foreign cards, and the payment approval response professional from the bansa server 100 In the case of transmission, at least one or more of foreign currency approval amount information, won transaction amount information, and exchange rate information included in the payment approval response message is output on the screen through the screen output unit 155, and / or A professional processing unit 150 for outputting a screen of payment processing details included in the payment approval response message through the screen output unit 155, and / or printing the output through the print output unit 173, and the payment terminal. And an information storage unit for storing transaction details information, which is processed through 185, in the memory unit 165.
The mode checking unit 115 periodically (or in response to a multi-currency payment mode switching key event including at least one of the transaction approval mode, the approval mode, and the approval approval mode) of the payment terminal 185. The method may include determining whether an operation mode is a multi-currency payment mode including at least one of a transaction approval mode, a temporary approval mode, and a temporary approval mode corresponding to the multi-currency payment service.
If the check result indicates that the operation mode of the payment terminal 185 is not a multi-currency payment mode including at least one of the transaction approval mode, the approval mode, and the approval approval mode, the payment terminal 185 may be a conventional electronic device. While performing a payment processing function, when the operation mode of the payment terminal 185 is confirmed as a multi-currency payment mode including at least one of the transaction approval mode, the approval mode, and the approval approval mode, the mode checker 115 ) Outputs a multi-currency payment mode check result including at least one of the transaction approval mode, the approval mode, and the approval approval mode through the screen output unit 155, and then provides the result to the information input unit 120. .
The card input unit 120 may process the electronic payment corresponding to the multi-currency payment mode including at least one of a transaction approval mode, an approval mode, and a approval approval mode for the multi-currency payment service. Through 153, the predetermined credit card information for the multi-currency payment service is read and input from the customer card, and the input credit card information is provided to the full text generation unit 130.
In addition, the information input unit 120, in order to process the electronic payment corresponding to the multi-currency payment mode including at least one of the transaction approval mode, the approval mode, the approval approval mode for the multi-currency payment service, the key Characterized in that the payment amount information for the multi-currency payment service is input from a predetermined key input means through the input unit 160, the input payment amount information is provided to the full text generation unit 130.
In addition, the information input unit 120 selects any one of the won transaction amount information or foreign currency approval amount information output on the screen through the screen output unit 155 for the multi-currency payment service, the multi-currency payment In order to use the service, selection information selected from one of the won transaction amount and the foreign currency approval amount is input. The input selection information is provided to the full text generation unit 130.
The full text generation unit 130 generates a full payment approval request message including at least one of the card information and the payment amount information input through the information input unit 120, and the generated payment approval request full text It provides to the exchange rate information providing server 135.
The exchange rate information providing server 135 transmits the payment approval request message generated by the full text generation unit 130 to the card company server 105 on the payment network through the communication processing unit 180, In response, the card company server 105 performs a predetermined payment processing procedure for providing the multi-currency payment service through the full payment approval request message, and then the payment approval details or payment error details corresponding to the payment processing result. Generate a payment processing history corresponding to any one of the above, and generate a predetermined payment approval response message including the payment processing history and transmit it to the payment terminal 185 through the payment network, or bansa on the payment network. The server 100 reads the card information on the payment approval request message and the foreign currency approval amount and transaction in the case of a foreign issued card. Liquid, generates information including the exchange rate information, and generates the professional predetermined payment authorization response including the generated information is transmitted to the billing terminal 185.
The specialized receiving unit 140 receives at least one or more full texts from the card company server 105 (or bansa server 100) on the payment network through the communication processing unit 180, the received professional information Provides to the professional confirmation unit 145.
The full text confirmation unit 145 confirms the full payment approval response received through the communication processing unit 180 to determine whether the payment approval response full text includes the payment approval details or the payment processing details for the full payment approval request message, or In response to the payment approval request text, the foreign currency approval amount information, the won transaction value information, and the exchange rate information on the overseas card may be confirmed.
The professional processing unit 150 is a payment approval response message including the foreign currency approval amount information, the won transaction amount information, exchange rate information for the foreign card approval result, the foreign currency approval included in the payment approval response message At least one or more of the amount information, the won transaction value information, exchange rate information is characterized in that on the screen output through the screen output unit 155.
In addition, when the professional processing unit 150 is a payment approval response message including a payment processing history in response to the payment approval request message confirmation result, the screen of the payment processing details included in the payment approval response message. Screen output through the output unit 155, and / or print output through the print output unit 173, and stores the transaction history information corresponding to the payment approval request in the memory unit 165 It is preferable to provide the information storage unit.
Periodically (or in response to a full text reception event of the communication processing unit 180), a payment approval response text including a payment processing history corresponding to the full text of the payment approval request is received.
If a payment approval response message including a payment processing history corresponding to the payment approval request message is received through the communication processor 180, the expert processing unit 150 includes a payment processing history included in the payment approval response message ( For example, the payment approval details or payment error details) may be output through the screen output unit 155 and / or printed through the print output unit 173. The electronic payment process for the payment service is completed.
2 is a diagram illustrating a configuration of a card payment system for a multi-currency payment service according to an embodiment of the present invention.
In more detail, FIG. 2 illustrates the received payment approval request upon receiving payment approval request information including at least one of card information and payment amount information from the payment terminal 185 shown in FIG. 1 according to an embodiment of the present invention. In the case of an overseas card by checking the card information included in the information, it shows a configuration of a card payment system that provides a multi-currency payment service, and a person having ordinary technical knowledge in the technical field to which the present invention belongs, Although various configuration methods of the card payment system for the multi-currency payment service may be inferred by referring to and modifying the drawing 2, the present invention includes all the inferred embodiments, and only the implementation method shown in FIG. Features are not limited.
Hereinafter, the relay server relaying the payment approval request message and the payment approval response message corresponding to the payment approval request message shown in FIG. 2 will be described as a bansa server 100, but the bansa server provided in the bansa 100 or a separate relay server, and the present invention is not limited thereto.
Referring to FIG. 2, the card settlement system receives a payment terminal 185 provided on an affiliated store, a payment approval request text including card information received from the payment terminal 185 and payment amount information. Check whether the credit card corresponding to the card information included in the received payment approval request message is a domestic credit card or a foreign credit card, and provide a multi-currency payment service for a credit card issued in a foreign country. The card company server 105 which provides the bansa server 100 and the card payment processing corresponding to the full payment approval request message received from the bansa server 100, and transmits the payment approval response message including the card payment processing result. And, if there is a request for exchange rate information for the card issuing country from the bansa server 100, an exchange rate information providing server 245 for providing exchange rate information corresponding to the request. Characterized in that formed by having.
The payment terminal 185 on the card payment system comprises at least one or more points of sales (POS) terminal having a credit authorization terminal (CAT) and / or a payment function, and at least one card After reading predetermined card information from the credit card through a reader, inputting a payment amount through a predetermined key input device, and generating a full payment approval request message including the card information, the payment amount and the affiliated store information. Characterized in that the transmission to the bansa server 100 through the communication network.
In addition, the bansa server 100 on the card payment system is characterized in that it comprises at least one or more servers provided in the bansa to process the credit card payment approval, the card information from the payment terminal 185 And after receiving a payment approval request message including payment amount information, and the credit card corresponding to the card information included in the payment approval request message is a credit card issued in a foreign country, provide a multi-currency payment service, or In the case of a credit card issued in Korea, the payment approval process is performed according to a conventional payment processing procedure.
In addition, the communication network connecting the bansa server 100 and the card company server 105, the foreign card company in the payment process for the case of a credit card issued in a foreign country between the bansa server 100 and the card company server 105 At least one server and at least one wired and wireless communication network relaying at least one or more payment related messages between the server 105 and the payment terminal 185 is characterized in that it comprises a.
Those skilled in the art to which the present invention pertains, the technical features of the communication terminal connecting the technical features of the payment terminal 185 and the technical features of the conventional bansa server 100, card company server 105 Since it will be understood, detailed description thereof will be omitted for convenience.
According to an exemplary embodiment of the present invention, the bansa server 100 includes predetermined card information D / B 240 for storing and processing card number information, issuing card company information, and issuing country information, or the card information. It is preferable to interwork with a predetermined DBMS that operates the D / B 240 or to interwork with a DB server (not shown) provided with the card information D / B 240.
The card number information may include a card number list including at least one card number corresponding to a credit card that can be processed by the bansa having the bansa server 100.
For example, the card number preferably comprises a 4-digit card issuing agency number, a 2-digit card type number, a 9-digit serial number, and a 1-digit check digit. The card number may consist of fewer than 16 digits.
The issuing country information corresponds to the card issuing institution corresponding to the card number, and when the credit card is issued through the card issuing institution, the country that issued the credit card (or when using the credit card, It is preferable to include at least one or more unique number (or unique code), country name and the like assigned to the payment country).
2, the bansa server 100, the interface unit 200 (or interface means) for connecting and managing a communication channel for transmitting and receiving the payment-related professional and at least one payment terminal 185 through the communication network And a professional receiving unit 205 (or professional receiving means) for receiving a payment approval request message including at least one or more card information and a payment amount from the payment terminal 185 in association with the interface unit 200;
When a payment approval response message corresponding to the received payment approval request message is received or a credit card corresponding to the card information included in the payment approval request message is an overseas card, exchange rate information, foreign currency authorization amount information, Specialized transmission unit 210 (or professional transmission means) for transmitting the full payment approval response message including the won transaction amount information, and the result of the payment approval request message received from the payment terminal 185, payment approval for the domestic card In the case of a request message, the payment approval request message is transmitted to the card company server 105, or, in the case of a payment approval request message for an overseas card, a payment approval response message corresponding to the payment approval request message is sent to the payment terminal 185. After providing, and receiving the full payment approval request corresponding to the selection of the won transaction amount or foreign currency approval amount from the payment terminal 185, the reception By having a specialized relay unit 220 (or a specialized relay means) for transmitting a payment authorization request to the card company specialized server 105 is characterized in that formed.
The payment terminal 185 reads the card information through a predetermined card reader, generates a payment approval request message including the card information and the payment amount information, and transmits it through the communication network. In connection with the interface unit 200, characterized in that for receiving the payment approval request full text.
In addition, when the credit card read by the payment terminal 185 is an overseas card, it includes exchange rate information and foreign currency approval amount information on the payment amount included in the payment approval request information received from the payment terminal 185. When the payment approval response message is generated and transmitted through the communication network, the professional transmission unit 210 connects with the interface unit 200 to transmit the payment approval response message, and the payment terminal 185 receiving the After outputting the exchange rate information, foreign currency approval amount information, and won transaction amount information included in the received payment approval response message, a payment approval request message including the selected information on whether to pay in won or in foreign currency is generated. When transmitting through the communication network, the professional receiving unit 205 is characterized in that for receiving the payment approval request full text in conjunction with the interface unit 200.
If the Bansa server 100 receives the full payment approval request message and transmits it to the card company server 105, the payment service approval procedure corresponding to the received full payment approval request message is completed in the card company server 105. A payment approval response message including a payment processing history of the generated is generated, and when the payment approval response message is transmitted to the bansa server 100, the professional relay unit 220 from the card company server 105, the payment approval response message Received, and the professional transmission unit 210 is characterized in that for transmitting the received payment approval response full text to the payment terminal 185.
Referring to FIG. 2, the bansa server 100 checks the card information included in the received payment approval request message, and checks the issued country in which the credit card corresponding to the card information is issued ( 215) (or a professional confirmation means), and exchange rate information confirmation unit 225 for confirming exchange rate information on currency used in a country corresponding to the extracted issuing country information in connection with the exchange rate information providing server 245 ( Or exchange rate information checking means) and foreign currency approval amount calculation unit 230 for calculating foreign currency approval amount by applying exchange rate information to the payment amount included in the received payment approval request message, in response to the confirmed exchange rate information. Or a text generation unit 235 for generating a payment approval response message including the foreign currency approval amount calculation means, the calculated foreign currency approval amount, the confirmed exchange rate information, and the received payment approval request message. Characterized in that it comprises a specialized generating means).
When the payment approval request message including the card information and the payment amount information is received from the payment terminal 185 through the message receiving unit 205, the message checking unit 215 may include a card included in the payment approval request message. Checking the card number for the information, characterized in that whether the card issuing country corresponding to the card number is a credit card issued in Korea.
According to the embodiment of the present invention, the full text verification unit 215 uses the card information included in the full text of the payment approval request as a keyword to search / search the card number stored in the card information D / B 240, It is preferable to check the issuing country information issuing the credit card corresponding to the card information included in the full payment approval request.
The exchange rate information checking unit 225 checks the exchange rate information for the currency used in the country corresponding to the extracted issuing country information in connection with the exchange rate information providing server 245.
According to the method of the present invention, the exchange rate information checking unit 225 preferably checks the exchange rate information of the country corresponding to the issuing country information issuing the credit card is confirmed in connection with the exchange rate information providing server 245. Do.
If the card information checked through the full-text verification unit 215 is a credit card issued by a card company that cannot use multiple currency services, the exchange rate information checking process and the foreign currency approval amount calculation process may be omitted. It is preferable to transmit the received payment approval request message to the card company for processing.
The foreign currency approval amount calculator 230 calculates a foreign currency approval amount by applying exchange rate information to the payment amount included in the received payment approval request text, in response to the confirmed exchange rate information.
According to an exemplary embodiment of the present invention, the foreign currency approval amount calculator 230 may calculate the foreign currency approval amount by applying the confirmed exchange rate information to payment amount information included in the received payment approval request text.
According to another exemplary embodiment of the present invention, the foreign currency approval amount calculator 230 provides the payment amount information included in the received payment approval request message to the exchange rate information providing server 245 to provide the exchange rate information providing server. It is preferable to receive the foreign currency approval amount from 245.
The full text generation unit 235 may generate a payment approval response full message including the calculated foreign currency approval amount, the confirmed exchange rate information, and the received full payment approval request text.
According to the implementation method of the present invention, the full text generation unit 235, when the full text of the payment approval request received from the payment terminal 185 is a payment approval request for the credit card issued in a foreign country, a plurality of the credit card In order to provide a currency settlement service, it is preferable to generate a payment approval response message including the checked exchange rate information and the calculated foreign currency approval amount, and the generated payment approval response message is provided to the payment terminal 185. desirable.
3 is a diagram illustrating a payment processing process of a domestic card among the functions of a payment terminal 185 having a multi-currency payment mode according to an embodiment of the present invention.
In more detail, Figure 3 shows a payment of a domestic card among the functions of a payment terminal 185 having a multi-currency payment mode including at least one of a transaction approval mode, an approval mode, and a approval mode for a multi-currency payment service. As shown in the drawing, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 to change the domestic card of the various payment terminals 185 for the multi-currency payment service. Although the payment processing process can be inferred, it is to be understood that the technical features of the present invention are not limited to the drawing 3 but include all the inferred implementation methods.
Hereinafter, when an error occurs in each step in explaining the payment processing process for the domestic card in FIG. 3, an exception handling process for the error will be omitted for convenience, but the present invention is not limited thereto. It is obvious.
Referring to FIG. 3, the payment terminal 185 shown in FIG. 1 inserts (or reads) a credit card inserted into the payment terminal 185 to read card information on the credit card, and read A payment approval request message including a card information and payment amount information using the credit card is generated (300) and transmitted to the bansa server 100 connected to the payment terminal 185 through a communication network (305).
In this case, when the payment terminal 185 transmits a payment approval request message to the bansa server 100 connected through the communication network, a first communication socket between the bansa server 100 and the payment terminal 185 is established. After connecting, it is preferable to transmit the full payment approval request message, and after transmitting the full payment approval request message, it is preferable to disconnect the primary communication socket (Socket) connected to the bansa server 100.
Subsequently, the bansa server 100 checks the card information on the received payment approval request message (310), and when it is confirmed that the issuing country corresponding to the card information is domestic, the received payment approval request message is completed. It transmits to the card company server 105 shown in Figure 1 (315).
According to the embodiment of the present invention, the bansa server 100 uses the card information included in the full payment approval request as a keyword to the card information D / B 240 (or BIN Table) shown in FIG. By retrieving / searching the stored card number, it is preferable to check (or compare or search) information on the issuing country where a credit card corresponding to the card information included in the full payment approval request is issued.
The card company server 105 shown in FIG. 1 performs a payment processing process corresponding to the full payment approval request message received from the bansa server 100, and includes a payment approval response including a payment processing result by the payment processing process. When the full text is generated (320) and the generated payment approval response text is transmitted to the bansa server 100 (325), the received bansa server 100 is transmitted to the payment terminal 185 (330), The payment processing result corresponding to the received payment approval response message is output (335).
Here, the bansa server 100 connects the payment terminal and the secondary communication socket (Socket) for the full payment approval response response, or after connecting the first communication socket (Socket) and the communication socket (Socket) ) Can be transmitted while the connection is maintained.
In addition, after the payment approval response message is transmitted, it is preferable to disconnect the primary communication socket (or socket) connected between the payment terminal 185 and the bansa server 100. .
4 is a diagram illustrating a payment processing process for an overseas issued credit card among the functions of a payment terminal 185 having a multi-currency payment mode according to an embodiment of the present invention.
In more detail, FIG. 4 illustrates a credit card issued overseas for a function of a payment terminal 185 having a multi-currency payment mode including at least one of a transaction approval mode, an approval mode, and a approval mode for a multi-currency payment service. As shown in the payment processing process for those of ordinary skill in the art to which the present invention belongs, among the functions of the various payment terminal 185 for the multi-currency payment service by referring to and / or modified in the present Figure 4. It is possible to infer a payment processing process for an overseas issued credit card, but it is to be understood that the technical features of the present invention are not limited by this drawing 4 but include all the inferred implementation methods.
Hereinafter, when an error occurs in each step in describing the payment processing process for the overseas issued credit card in FIG. 4, an exception processing process for the error will be omitted for convenience, but the present invention is not limited thereto. It is clear that no.
Referring to FIG. 4, the payment terminal 185 shown in FIG. 1 inserts (or reads) a credit card inserted into the payment terminal 185 to read card information about the credit card, and read the A payment approval request message including card information and payment amount information using the credit card is generated (400) and transmitted to the bansa server 100 connected to the payment terminal 185 through a communication network (405).
Here, the payment terminal 185 and the bansa server 100 is preferably connected to the primary communication socket (Socket) for the payment approval request professional transmission, the primary communication socket (Socket) is the payment approval It is desirable to send a request full message, receive it, and then disconnect.
Also, the first communication socket may be disconnected after transmitting a payment approval response message corresponding to the payment approval request message.
Subsequently, the bansa server 100 checks the card information on the received payment approval request message (410), and if it is determined that the issuing country corresponding to the card information is a foreign person, the exchange rate corresponding to the confirmed issuing country After confirming the information and calculating the foreign currency approval amount (415), the payment approval response message including the calculated foreign currency approval amount and the confirmed exchange rate information is generated (420).
Here, when the bansa server 100 checks the exchange rate information, if the exchange rate information providing server 135 providing the exchange rate information is a time-out (no response for a predetermined time), the bansa server 100 is the It is preferable to transmit to the card company server 105 in the payment amount information included in the full payment approval request received from the payment terminal 185.
According to the method of the present invention, the bansa server 100 uses the card information included in the full payment approval request as a keyword to search / search for the card number stored in the card information D / B 240, It is preferable to confirm the information of the issuing country where the credit card corresponding to the card information included in the full payment approval request is issued.
According to the implementation method of the present invention, the bansa server 100 preferably checks the exchange rate information of the country corresponding to the issuing country information issuing the confirmed credit card in connection with the exchange rate information providing server 245.
If the card information checked through the bansa server 100 is a credit card issued by a card company that is not capable of a multi-currency service, the exchange rate information checking process, the foreign currency approval amount calculation process, and the like may be omitted. It is desirable to send the payment approval request full text to the card company for processing.
According to an exemplary embodiment of the present invention, the bansa server 100 preferably calculates a foreign currency approval amount applying the confirmed exchange rate information to payment amount information included in the received payment approval request text.
According to another exemplary embodiment of the present invention, the bansa server 100 provides the payment amount information included in the received payment approval request message to the exchange rate information providing server 245 to exchange rate information shown in FIG. It is preferable to receive the foreign currency approval amount from the providing server 245.
According to the implementation method of the present invention, the bansa server 100, if the payment approval request full text received from the payment terminal 185 is a payment approval request for the credit card issued in a foreign country, multiple calls for the credit card In order to provide a payment service, it is preferable to generate a payment approval response message including the checked exchange rate information and the calculated foreign currency approval amount, and the generated payment approval response message is preferably provided to the payment terminal 185. Do.
Thereafter, the bansa server 100 transmits the generated payment approval response message to the payment terminal 185 (425), and the received payment terminal 185 receives the exchange rate on the screen of the payment terminal 185. Information, foreign currency approval amount information, and won currency transaction amount information is output (430), and when the inputted currency type (or selected) is checked (435), the payment information further includes the input selection information. When generating an authorization response message (440), and transmits to the bansa server 100 (445), the received bansa server 100 transmits the received payment approval request message to the card company server 105 ( 450).
Here, the payment approval response message transmission generated by the bansa server 100 may be transmitted through the connected primary communication socket between the payment terminal 185 and the bansa server 100 or the first primary. When the communication socket is disconnected, the secondary communication socket may be connected and transmitted.
In addition, the primary communication socket (or socket) (or the secondary communication socket) connected between the payment terminal 185 and the bansa server 100 transmits a payment approval response message generated by the bansa server 100. You may disconnect after doing so.
In addition, the full payment approval request generated in the payment terminal 185 is transmitted to the bansa server 100 through the connected primary communication socket (or socket) (or the connected secondary communication socket (Socket)), or After connecting the third communication socket (Socket) may be transmitted, the third communication socket (Socket) is disconnected after transmitting the payment approval request message, or includes a payment processing result corresponding to the payment approval request message. It may be disconnected after receiving the payment approval response message.
The card company server 105 performs a payment processing process corresponding to the payment approval request text received from the bansa server 100, and generates a payment approval response message including the payment processing result by the payment processing process ( 455) When the generated payment approval response message is transmitted to the bansa server 100 (460), the received bansa server 100 is transmitted to the payment terminal 185 (465), the received payment approval response The payment processing result corresponding to the full text is output (470).
Here, when transmitting the full payment approval response generated by the bansa server 100 to the payment terminal 185, reuse the communication socket (Socket) connected between the bansa server 100 and the payment terminal 185 or When the communication socket is disconnected, it is preferable to connect and transmit a new communication socket.
In addition, when the multi-currency payment service is provided, the payment terminal 185 transmits the payment approval request message in the approval mode and receives the payment approval response message in the approval approval mode for receiving the payment approval response message. In the case of processing, the transaction history of the payment processing in the approved mode on the payment terminal 185 is checked to confirm the approved transaction details, and the foreign currency payment using the multi-currency payment service is performed. If not, it is preferable to omit the payment processing shown in FIG. 4 and to output the sales slip by matching the final payment amount according to the approval number and the approval of the stored payment approval response preamble.
5 is a diagram illustrating an example screen of a payment terminal 185 screen for outputting exchange rate information, won transaction amount information, and foreign currency approval amount information according to an embodiment of the present invention.
More specifically, FIG. 5 shows an example screen of a payment terminal 185 screen for outputting exchange rate information, won transaction amount information, and foreign currency approval amount information to be output on the screen of the payment terminal 185 shown in FIG. As one person having ordinary technical knowledge in the technical field to which the present invention belongs, the payment terminal 185 screen for outputting the exchange rate information, the won transaction amount information, and the foreign currency approval amount information by referring to and modifying the drawing 5 will be described. Various implementation methods for the example screen may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.
Referring to FIG. 5, an example screen of the payment terminal 185 screen for outputting the exchange rate information, the won transaction amount information, and the foreign currency approval amount information shows the won transaction amount information, the foreign currency approval amount information, the unit foreign currency amount and the won currency. And an information output area including exchange rate information, and a selection area for selecting whether to pay in won or foreign currency among won transaction amount information or foreign currency approval amount information outputted in the information output area.
The information output area includes a KRW transaction value information output area for outputting payment amount information input to the payment terminal 185, a foreign currency approval amount information information area for outputting foreign currency approval amount information corresponding to the KRW transaction amount information; It is preferable to include an area for outputting the exchange rate information applied for calculating the foreign currency approval amount and the won transaction amount, and may be changed according to the intention and purpose of those skilled in the art.
6 is a diagram illustrating a payment approval request specialized structure for a multi-currency payment service according to an embodiment of the present invention.
In more detail, Figure 6 illustrates a payment approval request specialized structure generated for a multi-currency payment service in a predetermined payment terminal 185. Specifically, the payment means information read from the customer card in the payment terminal 185 is When the credit card information is included, the payment approval request structure generated for the multi-currency payment service based on the credit card is related to the structure.
Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to correspond to each payment means information (e.g., check card, debit card, prepaid card, etc.) as intended by those skilled in the art. It will be possible to infer a variety of payment approval request specialized structure for a multi-currency payment service, but the present invention includes all the implementation methods inferred, the present invention is limited to the payment approval request professional structure illustrated in FIG. Never.
Referring to FIG. 6, the payment approval request full text structure may include at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.
The payment approval request text may include a transaction classification item (eg, credit approval request, credit approval cancellation, etc.), a terminal_ID item for the payment terminal 185, a POS entry mode item, and the payment terminal ( TRACK II Data items corresponding to payment means information obtained from a predetermined card through a card reader provided in 185 (eg, a Primary Account Number (PAN) area and additional data (AD) of TRACK II of the MS card and / or It includes credit card information obtained from the DD (Discretionary Data) area or credit card information obtained from the credit card file of the IC card, and corresponds to credit card payment information after a predetermined FS (File Separator, 0X1C). It includes the installment month item, the total amount item, and the service fee item, and also includes the Working Key Index item, password item, product code item, and document serial number item. It is.
Those skilled in the art to which the present invention pertains can clearly understand the details of each item included in the full payment approval request based on the contents shown in FIG. Description is omitted.
According to an embodiment of the present invention, in the payment approval request, the transaction classification item (for example, credit approval request, credit approval cancellation, etc.), Terminal_ID item corresponding to the payment terminal 185 shown in the drawings, and A POS Entry Mode item and a TRACK II Data item corresponding to card information obtained from a predetermined card through a card reader included in the payment terminal 185 (for example, a PAN area of the TRACK II of the MS card). And credit card information obtained from the AD (Additional Data) and / or Discretionary Data (DD) area, or credit card information obtained from the credit card file of the IC card, and includes a predetermined file separator (0X1C). ) And the currency code (for example, 410 for won transactions and 840 for dollars transactions) used in requesting approval for multi-currency payment, and also includes the installment months item corresponding to the credit card payment information and the total amount. Also includes a neck and service charges, and also comprise the Working Key Index entry, password entry, product code, serial number entries and journal entries.
Those skilled in the art to which the present invention pertains can clearly understand the details of each item included in the full payment approval request based on the contents shown in FIG. Description is omitted.
7 is a diagram illustrating a payment approval response specialized structure for a multi-currency payment service according to an embodiment of the present invention.
In more detail, Figure 7 illustrates a payment approval request specialized structure generated for a multi-currency payment service in a predetermined payment terminal 185. Specifically, the payment means information read from the customer card in the payment terminal 185 is When the credit card information is included, the payment approval response is generated for the multi-currency payment service based on the credit card.
Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to correspond to the respective payment means information (e.g., check card, debit card, prepaid card, etc.) as intended by those skilled in the art. It will be possible to infer a variety of payment approval response professional structure for a multi-currency payment service, but the present invention includes all the implementation methods inferred, the present invention is limited to the payment approval response professional structure illustrated in FIG. Never.
Referring to FIG. 7, the payment approval response full-text structure may include at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.
The payment approval response message may include a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.), a terminal_ID item for the payment terminal 185, a POS entry mode item, and the payment terminal associated with the credit card payment. TRACK II Data items corresponding to payment means information obtained from a predetermined card through a card reader provided at 185 (eg, a Primary Account Number (PAN) area and additional data (AD) of TRACK II of the MS card and / Or credit card information obtained from a DD (Discretionary Data) area, or credit card information obtained from a credit card file of an IC card. It includes the corresponding installment month item, total amount item, and service fee item, and also includes the Working Key Index item, password item, product code item, and document serial number item. It is.
Those skilled in the art to which the present invention pertains will clearly understand the details of each item included in the full payment approval response based on the contents shown in FIG. Description is omitted.
According to an embodiment of the present invention, the transaction approval response preamble includes the transaction classification items (eg, credit approval request, credit approval cancellation, etc.), Terminal_ID items included in the payment approval request message shown in FIG. FS (File Separator, 0X1C) and DCC (Multiple Payment) card processing delimiter items (e.g., in response to DCC terminal transaction, DCC card processing delimiter (that is, DCC transactions are DCC, general approval transactions are **, A predetermined FS (File Separator, 0X1C), a Foreign Amount (Foreign Exchange Approval Amount item, a predetermined FS (File Separator, 0X1C), an Exchange Rate item, a predetermined FS (File Separator, 0X1C), Currency exchange rate item, predetermined FS (File Separator, 0X1C), foreign currency code item, predetermined FS (File Separator, 0X1C), fee item, consignment fee item, predetermined FS (File Separator, 0X1C) And the like.
Those skilled in the art to which the present invention pertains will clearly understand the details of each item included in the full payment approval response based on the contents shown in FIG. Description is omitted.

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

delete

According to the present invention, by providing a multi-currency payment service to the customer, there is an advantage that can be used to select the foreign currency or won payment when paying by credit card.
In addition, when the customer pays in foreign currency, it is possible to calculate exactly how much the amount paid in foreign currency through the credit card multi-currency payment service from their assets, there is an advantage that more efficient asset management is possible.

delete

Claims (9)

The merchant terminal reads the credit card information for the customer credit card, and if the won transaction amount is input, transmitting the authorization request information to the Bansa server; If the credit card is an overseas card by checking the credit card information included in the authorization request information on the Bansa server, the exchange rate information with the foreign card issuing country is checked and the foreign currency authorization amount corresponding to the won transaction amount according to the exchange rate information Calculating information or confirming the foreign currency approval amount information by communicating with an exchange rate information providing server; Transmitting, by the bansa server, the exchange rate information and foreign currency approval amount information to the affiliated store terminal; Displaying, by the affiliated store terminal, a foreign currency transaction amount to which a won exchange rate and a current exchange rate are applied based on the exchange rate information and foreign currency approval amount information; If any one of the displayed won transaction amount and foreign currency transaction amount is selected, transmitting payment approval request information from the affiliated terminal to the bansa server using the selected currency as an authorization request amount; And And performing a payment approval processing procedure for the overseas card from the bansa server to the purchaser. The method of claim 1, wherein the checking step, And further comprising checking whether the foreign card is a card capable of a multi-currency payment service. The check result, if the overseas card is a card that can not be a multi-currency payment service, the payment processing method of the overseas card, characterized in that to perform the payment approval process for the overseas card immediately from the Bansa server to the purchaser. Receiving, by the bansa server, payment authorization request information including customer credit card information and won transaction amount information from the merchant terminal; The Bansa server checks the credit card information included in the received payment authorization request information, and if the credit card is an overseas card, checks exchange rate information with the foreign card issuing country and corresponds to the won transaction amount according to the exchange rate information. Calculating foreign currency approval amount information or communicating the foreign currency approval amount information with an exchange rate information providing server to verify the foreign currency approval amount information; And And transmitting, at the bansa server, the exchange rate information and foreign currency approval amount information to the affiliated store terminal. delete Means for receiving payment authorization request information including customer credit card information and won transaction value information from the merchant terminal; Means for checking the credit card information included in the payment approval request information and determining whether the credit card is a domestic card or an overseas card; As a result of the determination, when the credit card is an overseas card, the exchange rate information with the foreign card issuing country is checked, and the foreign currency approval amount information corresponding to the won transaction amount is calculated according to the exchange rate information, or the foreign currency approval amount information is determined. Means for communicating with the exchange rate information providing server to confirm; And And means for transmitting the exchange rate information and foreign currency approval amount information to the affiliated store terminal. The method of claim 5, And, if the credit card is an overseas card, further comprising means for checking whether the foreign card is a card capable of a multi-currency payment service. delete Means for transmitting the payment authorization request information including the customer overseas card information and the won transaction value information to the bansa server; Means for receiving, from the bansa server, exchange rate information with the foreign card issuing country and foreign currency authorization amount information corresponding to the won transaction amount to which the exchange rate is applied; Means for displaying, on the screen, a foreign currency transaction amount to which a won exchange rate and a current exchange rate are applied based on the received exchange rate information and foreign currency approval amount information; And And a means for transmitting the payment approval request information for setting the selected currency as the approval request amount to the bansa server when any one of the displayed won and foreign currency transaction amounts is selected. . Means for transmitting the payment authorization request information including the customer overseas card information and the won transaction value information to the bansa server; Means for receiving, from the bansa server, foreign currency transaction amount information corresponding to the won transaction amount to which the exchange rate with the foreign card issuing country is applied; Means for displaying the won transaction amount and the received foreign currency transaction amount on a screen; And And a means for transmitting the payment approval request information for setting the selected currency as the approval request amount to the bansa server when any one of the displayed won and foreign currency transaction amounts is selected. .

Images