KR100973553B1 - Method for Processing Payment Statement of Affiliate Payment Terminal, and Affiliate Store Payment Terminal - Google Patents

Abstract

The present invention relates to a payment professional processing method and merchant payment terminal of the merchant payment terminal, the payment professional processing method of the merchant payment terminal according to the present invention, the N bansa server provided in N (N> 1) bansa and In the payment specialized processing method of a plurality of merchant payment terminals connected to the communication local server, N bansa information for identifying the N bansa server, and N bansa-specific merchant number assigned by the N bansa to the merchant The transmission and reception rate for each N number of bansa that sets the rate (or the number of times) of distributing and transmitting the full-text including information and payment approval request information for each card payment through the local server to any one of the N-bansa servers. Storing the information in the memory unit in association with each bansa, and when the card information is read through the card reader, Checking the bansa information for the professional transmission / reception of the N bansa so that the rate (or the number of times) of the bansa for transmitting / receiving the full text of the payment terminal is matched with the stored rate of transmission / reception for the N bansa; Generating payment approval request information including affiliated store number information and card information and payment amount information associated with the bansa information, and transmitting the generated payment approval request information and the bansa information to the local server; Include.

Large, merchant, payment, professional, terminal

Description

Merchant payment terminal processing method and merchant payment terminal {Method for Processing Payment Statement of Affiliate Payment Terminal, and Affiliate Store Payment Terminal}

1 is a diagram illustrating a functional configuration of a payment terminal having a professional transceiving target bansa selective card payment function according to an embodiment of the present invention.

2 is a diagram illustrating a process of generating payment approval request information for a professional transceiving target bansa selective card payment according to an embodiment of the present invention and transmitting it to a local server.

3 is a diagram illustrating a process of generating payment approval request information for a professional transceiving target bansa selective card payment according to another embodiment of the present invention and transmitting it to a local server.

4 is a diagram illustrating a process of receiving payment approval result information for a professional transceiving target bansa selective card payment according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a process of regenerating payment approval request information for professional transceiving target bansa selective card payment according to an embodiment of the present invention and retransmitting to a local server.

FIG. 6 is a diagram illustrating a process of regenerating payment approval request information for specialized transceiving bansa selective card payment according to another embodiment of the present invention and retransmitting to a local server.

<Description of main parts of drawing>

100: payment terminal 105: control unit

110: card reader 115: screen output

120: key input section 125: memory section

130: communication processing unit 133: security application module

135: print output unit 137: printing device

140: power supply unit 143: input processing unit

145: Bansa check unit 147: Information check unit

150: information generating unit 153: encryption unit

155: information transmitter 157: information receiver

160: decryption unit 163: payment confirmation unit

165: history transmission unit 167: history output unit

170: local server 175: Bansa server

The present invention provides a bansa server to handle professional relaying of the N bansa server connected to the local server in a plurality of merchant payment terminals connected to the local server that can communicate with the N bansa server provided in the N (N> 1) bansa It relates to a payment professional processing method and merchant payment terminal of the merchant payment terminal to determine and pay.

Large merchants, such as large discount stores and department stores, where a large amount of card payments occur, have a plurality of payment terminals (e.g., Point of Sales (POS) terminals or Credit Authorization Terminals (CAT)). Server), the payment approval request information generated in the payment terminal is transmitted to the local server, and the local server collects the payment approval request information and transmits and receives to the bansa server through a dedicated communication network in the large affiliated store. Card payment through multiple payment terminals is processed.

On the other hand, unlike a general merchant equipped with a single payment terminal, when a communication failure occurs with the bansa in a large merchant equipped with a plurality of payment terminals, the work of the large merchant may be paralyzed, the large merchants After signing a merchant contract with a plurality of bansa, the local server selects any one of the bansa to process the card payment.

By the way, some large merchants frequently take advantage of the measures provided to solve the above problems and selectively process card payments only through Banssa, which presents their favorable conditions. The main ban supplying the settlement terminal is inevitably damaged by the above unfair transaction.

An object of the present invention for solving the above problems, N (N> 1) to identify the N bansa servers in a plurality of merchant payment terminals connected to the local server that can communicate with the N bansa servers provided in the bansa One of the N bansa servers including the information on the Bansa information, N bansa merchant number assigned to the affiliated stores in the N bansa and payment approval request information for each card payment through the local server After storing the information on the number of transfers (or times) for each of the N. bans that are set to the rate (or number of times) of distribution and transmission to and from the bansa server, the merchant payment terminal transmits the full text of the payment terminal for a predetermined period of time through the local server. Merchant payment stage for processing so that the rate (or number of times) for each bansa transmitted and received is matched to the stored rate (or number) of the professional N bansa It is to provide a payment processing method and merchant payment terminal.

In the payment specialized processing method of the merchant payment terminal according to the present invention, in the payment specialized processing method of a plurality of merchant payment terminals connected to communicate with a local server capable of communicating with N bansa servers provided in N (N> 1) bansa, Full text including N bansa information identifying the N bansa server, N bansa-specific merchant number information assigned by the N bansa to the affiliated store and payment approval request information for each card payment through the local server. Storing the N / V specialized professional transmit / receive rate (or number) information for each of the N. bansa, which is set to a rate (or number of times) to be transmitted and received by any one of the N bansa servers, and stored in the memory unit in association with each bansa; When the card information is read through the reader, the rate (or the number of times) of the bansa that transmits / receives the full text of the payment terminal for the predetermined time is stored in the N bansa stars. Confirming the professional transceiving target bansa information among the N bansa so as to be matched with the professional transceiving rate (or the number of times); and the payment approval including the affiliate store number information, the card information, and the payment amount information associated with the confirmed bansa information. Generating request information, and transmitting the generated payment approval request information and the bansa information to the local server.
According to the present invention, the payment specialized processing method of the merchant payment terminal may include the step of encrypting the payment approval request information with the encryption key, if the bansa-specific encryption key is stored in the memory unit.
According to the present invention, the payment professional processing method of the merchant payment terminal, the step of receiving payment approval result information through the local server, and confirms the payment approval by reading the payment processing history information contained in the payment approval result information; And transmitting the payment processing history information to the local server when confirming the payment approval.
According to the present invention, if the received payment approval result information is encrypted, the merchant payment terminal may further include the step of decrypting the payment approval result information with the bansa encryption key.
According to the present invention, the payment professional processing method of the merchant payment terminal, the step of confirming whether the payment approval request information is transmitted to the specialized transmission and reception target bansa through the local server, and the payment approval request information to the specialized transmission and reception target bansa If is not transmitted, checking the second professional transmission and reception target bansa information of the N bansa information stored in the memory unit, the second affiliated store number information and bansa encryption associated with the confirmed second bansa information Verifying a key, generating payment approval request information including the card information, payment amount information, and the confirmed second affiliated store number information, and generating the generated payment approval request information using the checked second information. Encrypting with a Bansa encryption key, and attaching the second Bansa information to the encrypted payment approval request information. According to the steps and specialized transmission ratio (or number) information about the N baensa to be transmitted to may further comprise the step of adjusting the professional transmission rate (or frequency) of the baensa of the second.
The merchant payment terminal according to the present invention is provided in a merchant having a local server capable of communicating with N bansa servers provided in N (N> 1) bansa, the merchant payment terminal connected to the local server, the payment terminal, N bansa information identifying the N bansa server, N bansa for each of the N bansa merchant number information assigned to the merchant and the payment authorization request information for each card payment through the local server through the local server A memory unit for storing the N / A specialized transmission / reception ratio (or number) information for each of the N. bansa servers, and storing the N / A bansa server's specialized transmission / reception ratio (or number) for each bansa, and a card reader. When the card information is read through, the rate (or the number) for each bansa that transmits and receives the full text of the payment terminal for a predetermined period is stored in the memory unit N bansa A bansa verification unit for verifying bansa information to be transmitted / received among the N bansa so as to be matched with a rate of transmission and reception (or a number of times), and merchant number information associated with the confirmed bansa information, including card information and payment amount information. And an information transmitter for generating payment approval request information, and an information transmitter for transmitting the generated payment approval request information and the bansa information to the local server.
According to the present invention, the merchant payment terminal, an information receiving unit for receiving payment approval result information through the local server, and payment confirmation unit for confirming payment approval by reading payment processing history information included in the payment approval result information And, when confirming the payment approval, may further include a history transmission unit for transmitting the payment processing history information to the local server.
According to the present invention, the merchant payment terminal may further include an encryption unit for encrypting the payment approval request information generated by the encryption key, if the bansa-specific encryption key is stored in the memory unit.

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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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 payment terminal 100 having a professional transceiving target bansa selective card payment function according to an embodiment of the present invention.

In more detail, FIG. 1 includes a plurality of payment terminals 100 and one or more local servers 170, and process card payment requests from the plurality of payment terminals 100 through the local server 170. The present invention relates to an implementation method having a bansa selective card payment function for a professional transmission / reception in a payment terminal 100 including one or more POS (Point of Sales) terminals and credit authorization terminals (CAT) provided in large merchants. If one of ordinary skill in the art to which the present invention pertains refers to and / or modifying the present invention, it is possible to infer a variety of payment terminal 100 functional configurations having a professional transceiving target bansa selective card payment function. However, it is to be understood that the technical features of the present invention are not limited by the present invention, but include all the inferred implementation methods.

Referring to FIG. 1, a payment terminal 100 having a bansa selective card payment function for a professional transmission / reception is basically a control unit 105, a memory unit 125, a card reader unit 110, a key input unit 120, and a screen. It comprises an output unit 115, a communication processing unit 130, a security application module 133, a print output unit 135 and a power supply unit 140 for supplying power to the payment terminal 100, It includes at least one terminal function unit (not shown) or the like according to the intention.

The control unit 105 controls the overall operation of the payment terminal 100 in the functional configuration, manages the flow of information or data between each component, and the payment terminal 100 for the professional transmission and reception target bansa selective card payment function 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 a random access memory (RAM) and a bus for inputting and outputting predetermined data, and also from a predetermined recording medium in order to perform a function specific to the payment terminal 100 in software. Predetermined program routines and / or program daemons that are loaded into the execution memory and computed by the processor A predetermined program recorded on a recording medium provided in the payment terminal 100 for a professional transceiving bansa selective card payment function, and / or a software configuration among the functional configurations provided in the payment terminal 100. Components which can be processed in the present invention are shown in the control unit 105).

According to the exemplary embodiment of the present invention, the control unit 105 outputs a component (for example, the memory unit 125, the card reader unit 110, the key input unit 120, and the screen output included in the payment terminal 100). The payment terminal 100 by interworking the unit 115, the communication processing unit 130, the security application module 133, the print output unit 135 and / or the terminal functional unit (not shown) according to the intention of the skilled person. Controlling and managing the provision of the electronic payment service defined in the), as well as control the inter-operation of the components provided in the payment terminal 100 for the professional transceiving target Bansa selective card payment service according to the present invention, And / or to execute a program recorded on a recording medium provided in the payment terminal 100 for the specialized transceiving target bansa selective card payment service.

The memory unit 125 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 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 exemplary embodiment of the present invention, the memory unit 125 includes N (N> 1) bansa information, N affiliate store number information allocated to the large affiliate store by the N bansa, and the N bansa encryption. It is preferable to store the key and specialized transmission / reception ratio (or number) information for N bansa in association with each bansa.

Here, the N bansa information is information for identifying the bansa that can process the card payment request from the payment terminal 100 provided in the large merchant, the bansa information is the payment terminal (100) to the large merchant It is preferable to include one main bansa information and one or more subsidiary bansa information, or a plurality of bansa information having equal authority, depending on the manner in which) is supplied.

The N affiliated store number information is an affiliated store number assigned to the large affiliated stores by N bans to process a card payment request from the payment terminal 100 provided in the large affiliated store, and the affiliated store number is the payment terminal ( It is preferably included in the payment approval request information generated in 100).

The N Bansa-specific encryption keys encrypt payment approval request information (or one or more configuration information constituting the payment approval request information) generated for the card payment request from the payment terminal 100 provided in the large affiliated store. As an encryption key, payment approval request information (or one or more configuration information constituting the payment approval request information) encrypted through the encryption key is decrypted by each bansa server 175 that receives the payment approval request information. It is preferable.

The professional transmission / reception ratio (or the number of times) information for the N bansa is a professional transmission / reception ratio for each bansa that receives payment approval request information for card payment request from the payment terminal 100 provided in the large affiliated store, or professional transmission / reception. As information for setting the number of times, the payment terminal 100 preferably checks the bansa information to send and receive payment approval request information according to the transmission rate (or number).

Large merchants who are provided with a card payment service through the payment terminal 100, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC 7816 standard based on the contact IC card ( Or a wireless IC chip) and / or a card including at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, and the card reader unit 110. Is characterized in that to provide an interface for reading at least one or more information or data provided in the card.

According to the embodiment of the present invention, the card reader unit 110 is an MS reader unit for providing an interface between the MS card and the payment terminal 100, and / or the contact IC card and the payment 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 payment 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 payment terminal 100 from at least one track (Track) provided in the MS of the MS card by using the loading.

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

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

According to an embodiment of the present invention, the card reader unit 110 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 110 for the electronic payment service defined in the payment terminal 100. The payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account).

According to the exemplary embodiment of the present invention, the card information includes a card number, and preferably further includes expiration date information and card owner's English name information according to the card type.

The key input unit 120 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal 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 control unit 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 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 payment 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 letter key (eg, English letter key, and / or Korean). Keyboard device having a character key) and a function key, and / or have at least one numeric key and a function key in conjunction with the screen output means, and / or have at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the method of the present invention, the key input unit 120 is at least one or more key data required in the process of providing the professional transceiving target bansa selective card payment service from the key input device for the professional transceiving bansa selective card payment service It is preferable to perform the function of the key input means for receiving the input.

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

Predefined information or data to be output from the payment terminal 100 to the screen output device, the key data input through the key input unit 120, and / or configured in the payment terminal 100 Information (or data) stored or generated by an element, information (or data) transmitted / received through the communication processing unit 130, and / or information corresponding to a predetermined operation result performed by the payment terminal 100 (or At least one data).

According to a preferred embodiment of the present invention, the screen output unit 115 displays a processing screen corresponding to the step of providing a professional transceiving target bansa selective card payment service to the screen output device for the specialized transceiving target bansa selective card payment service. It is preferable to perform the function of the screen output means for outputting.

The communication processor 130 includes a network communication unit for connecting a communication channel with a local server 170 through a local area network in the process of the payment terminal 100 performing a predetermined function (for example, a card payment processing function). Cable communication unit for connecting a communication session with the payment terminal 100 and a predetermined device (for example, a barcode reader, an RFID reader, etc.) located at a short distance through a predetermined cable communication port according to the intention of the skilled person. Or a short range wireless communication unit for connecting a communication channel with the payment terminal 100 and a predetermined local server 170 located at a short distance through at least one short range wireless communication means. Communication protocol and / or driver for connecting (or communication session).

The network communication unit may connect a communication channel with a local server 170 provided in the large affiliated store through a short range wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP). And a network interface card (NIC) for connecting the 100 to the local area network, and a communication protocol and / or driver for connecting the payment terminal 100 to the local area network through software. It is made, including.

The cable communication unit connects a cable communication session with a predetermined device (eg, a barcode reader, an RFID reader, etc.) through a predetermined cable communication (eg, RS-232c, USB (Universal Serial Bus)). In general, it comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol and / or driver for the cable communication in software.

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). The local server 170 provided in the large affiliated store and the short-range wireless communication channel through at least one or more short-range wireless communication means, the infrared communication, RF communication, Bluetooth, WLAN, WiFi And a predetermined short range wireless communication module for short range wireless communication including UWB, and includes a communication protocol and / or driver for the short range wireless communication in software.

The Secure Application Module (133) is a confidentiality and / or authentication required by the payment terminal 100 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 100 without using an authentication server (or local server 170) on the payment network. As a safety device for performing a reliable and reliable structure, the payment terminal 100 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment or electronic payment). Or decryption, add an authenticator to prevent forgery (or tampering) of the message, or store important information in the process of performing the security request function. Characterized by performing a function, it can be omitted according to the intention of those skilled in the art.

In general, the security application module 133 is preferably composed of a predetermined security application module 133 inserter and a security application module 133 chip, the security application module 133 chip is a chip containing at least 8 bits or more CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 133 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 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 135 may process the payment terminal 100 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data generated as a result (for example, payment processing result information or Data) to a predetermined printing device 137 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 137 according to a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 1, the payment terminal 100 inputs the card information read through the card reader 110 or provides the cable communication unit to provide the professional transceiving target bansa selective card payment service. To an input processing unit 143 for inputting payment amount information through the key input unit 120.

When the card information is read from the customer's card through the card reader unit 110 to process the specialized transceiving target bansa selective card payment, the input processing unit 143 inputs the read card information. It is done.

In addition, when the payment amount information is input through the key input unit 120 in order to process the specialized transmission and reception target bansa selective card payment, the input processing unit 143 inputs the key input payment amount information characterized in that the input processing It is done.

Alternatively, when the payment amount information is received through the cable communication unit, the input processing unit 143 inputs the received payment amount information in order to process the specialized transceiving target bansa selective card payment.

Referring to FIG. 1, when the card information and the payment amount information are input, the payment terminal 100 reads the specialized transmission / reception ratio (or the number of times) of the N bansa stored in the memory unit 125 to read the card. Versa check unit 145 for verifying the transmission and reception target bansa information on the information and payment amount information, and confirming the merchant number information and bansa encryption key associated with the confirmed bansa information from the memory unit 125 Ban 147, the information generating unit 150 for generating payment approval request information including the card information, payment amount information and the confirmed merchant number information, and the generated bansa check payment information An encryption unit 153 for encrypting with an encryption key and an information transmitter 155 for transmitting the bansa information to the encrypted payment approval request information to the local server 170. And it characterized in that eojineun, since the local server (170) is characterized in that for transmitting the payment approval request information to baensa server 175 corresponding to the baensa information.

When the card information and the payment amount information are input through the input processing unit 143, the bansa checking unit 145 reads the professional transmission / reception ratio (or number of times) for the N bansa stored in the memory unit 125. Characterized in that the transmission and reception of the specialized Bansa information on the card information and payment amount information.

According to an exemplary embodiment of the present invention, the bansa checker 145 preferably cross-checks bansa information to be transmitted / received to the sequential transmission / reception ratio (or number of times) for N bansa.

According to another exemplary embodiment of the present invention, the bansa checker 145 preferably checks the bansa information for the specialized transceiving target from the specific bansa according to the transcript (transmission rate) of the N bansa.

According to another exemplary embodiment of the present invention, the bansa checker 145 preferably checks the bansa information to be professionally transmitted and received according to the rate (or number of times) of the transcripts for the N bansa.

According to the method of the present invention, when a failure occurs due to a communication failure or a professional congestion of the professional transceiving target bansa server 175 identified by the bansa check unit 145, the bansa check unit 145 is the memory unit. Among the N pieces of bansa information stored in 125, in addition to the first confirmed bansa information, the second bansa information to be transmitted / received is specified.

If it is confirmed that the payment approval request information is normally transmitted to the second professional transceiving target bansa server 175, the control unit 105 stores the information of the transmission / reception ratio (or the number of times) stored in the memory unit 125. The professional transmit / receive ratio (or number of times) is adjusted according to the above. In this case, the bansa checker 145 adjusts the number of bansa information stored in the memory unit 125 according to the adjusted professional transmit / receive rate (or number of times). It is desirable to check the professional transceiving target bansa information.

When the professional transceiving target bansa information is confirmed by the bansa check unit 145, the information confirming unit 147 confirms the bansa encryption key and the affiliate store number information associated with the checked bansa information from the memory unit 125. When the payment approval request information is not encrypted, the encryption key may be omitted.

According to the method of the present invention, the bansa checker 145 is a second full text message because the ban is generated due to a communication failure of the professional transceiving target bansa server 175 identified by the bansa checker 145 or a professional congestion. When the transmission and reception target bansa information is confirmed, the information verification unit 147 is characterized in that the second affiliated store number information and bansa encryption key associated with the confirmed bansa information.

When the affiliate store number information and the bansa encryption key associated with the checked bansa information are confirmed by the information confirming unit 147, the information generating unit 150 and the card information input processing through the input processing unit 143 and Characterized in that the payment approval request information including payment amount information and the affiliated store number information confirmed by the information check unit 147.

When encrypting the generated payment approval request information according to the embodiment of the present invention, the encryption unit 153 is generated through the encryption key of the professional transceiving target bansa confirmed through the information verification unit 147 And encrypting payment approval request information (or one or more pieces of configuration information constituting the payment approval request information).

The information transmitting unit 155 attaches the checked professional transceiving target bansa information to the generated (or encrypted) payment approval request information, and the local server 170 provided in the large affiliated store through the communication processing unit 130. In response thereto, the local server 170 transmits the payment approval request information to the bansa server 175 corresponding to the bansa information.

Thereafter, the bansa server 175 performs a card payment procedure through payment approval request information in connection with a card company server or a financial company server, and receives payment approval result information including payment processing history information corresponding to the card payment result. It is characterized in that the transmission to the local server (170).

If one of ordinary skill in the art to which the present invention pertains, the bansa server 175 will be familiar with the technical features of performing the card payment procedure in connection with the card company server, or financial company server, a detailed description thereof Will be omitted for convenience.

Referring to FIG. 1, when the payment terminal 100 relays and transmits the payment approval result information from the local server 170 that receives the payment approval result information from the specialized transceiving target bansa server 175, the payment terminal 100 transmits the payment approval result information. An information receiving unit 157 for receiving the payment approval result information from a local server 170, a payment confirmation unit 163 for confirming payment approval by reading payment processing history information included in the payment approval result information; Upon confirmation of payment approval, further comprising a history transmission unit 165 for transmitting the payment processing history information to the local server 170, and a history output unit 167 for screen printing or printing the payment processing history information. And, if the payment approval result information is encrypted, further comprising a decryption unit 160 for decrypting the payment approval result information with the bansa encryption key. It shall be.

When the local server 170 that has received the payment approval result information from the specialized transceiving target bansa server 175 relays and transmits the payment approval result information, the information receiving unit 157 is connected with the communication processing unit 130. The payment approval result information is received from the local server 170 through a local area network.

When the received payment approval result information is encrypted in the bansa, the decryption unit 160 is characterized in that for decrypting the payment approval result information through the bansa encryption key.

The payment confirmation unit 163 reads the payment processing history information included in the payment approval result information and checks whether the payment amount is approved through the card information.

If the card payment is approved, the history transmitting unit 165 transmits the payment processing history information to the local server 170 through a local area network in connection with the communication processing unit 130, When the payment approval result information is not encrypted in the bansa and the local server 170 can check the payment processing history information, the history transmission unit 165 transmits the payment processing history information to the local server 170. You do not have to send to.

The details output unit 167 outputs the confirmed payment processing history information through the screen output unit 115 and prints out the payment processing history information through the print output unit 135. do.

2 is a diagram illustrating a process of generating payment approval request information for a professional transceiving target bansa selective card payment according to an embodiment of the present invention and transmitting it to the local server 170.

In more detail, in Figure 2, when the card information and payment amount information input for the card payment processing in the payment terminal 100 of the large merchant shown in Figure 1, to provide the bansa selective card payment service for professional transmission and reception N Read and receive the professional transmission and reception ratio (or the number of times) for the two bansa check the bansa information for the professional transmission and reception of the card information and payment amount information, and check the merchant number information associated with the confirmed bansa information payment approval request information After generating a, and the process for transmitting the generated payment approval request information to the local server (170) connected to the payment terminal 100 requesting the professional transmission and reception target Bansa selective card payment, the technical field to which the present invention belongs If the person skilled in the art, refer to and / or modify the present Figure 2 and the specialized bansa selectable card payment card It is possible to infer various implementation methods (for example, some steps may be omitted, or the order is changed) for the process of generating the payment approval request information for the transmission to the local server 170, the present invention is inferred It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the payment terminal 100 of the large affiliated store shown in FIG. 1 checks whether the card information is read from the customer card through the card reader for card payment processing (200). Once read (205), the processed card information is input (210).

In addition, the payment terminal 100 checks whether the payment information is a key input (or received from a barcode reader or an RFID reader) for the card payment processing (200), and if the payment information is a key input (or received) In step 205, the key input (or received) payment information is input.

When the card information and the payment amount information for card payment processing are input as described above (210, 225), the payment terminal 100 is the rate (or the number of times of professional transmission and reception for the N bansa stored in the memory unit 125) In step 230, the professional transceiving target bansa information on the card information and the payment amount information is checked.

According to an exemplary embodiment of the present invention, the payment terminal 100 preferably cross-checks the professional transceiving target bansa information sequentially according to the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 sequentially checks the specialized transceiving target bansa information from a specific bansa in accordance with the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 randomly checks professional transmission / reception target bansa information according to a professional transmission / reception ratio (or number) for N bansa.

If the professional transceiving target bansa information is confirmed according to the professional transceiving rate (or the number of times) for the N bansa (235), the payment terminal 100 checks the verified transceiving target bansa information from the memory unit 125. After confirming the affiliate store number information associated with (240), generating payment approval request information including the card information and payment amount information and the confirmed merchant number information (245), the payment terminal 100 is connected The generated payment approval request information is transmitted to the local server 170 of the large affiliated store through the local area network (250), and in response thereto, the local server 170 transmits the payment approval request information to the specialized transmission / reception target bansa information. It transmits to the bansa server 175 corresponding to the.

Thereafter, the bansa server 175 performs a card payment procedure through payment approval request information in connection with a card company server or a financial company server, and receives payment approval result information including payment processing history information corresponding to the card payment result. It is characterized in that the transmission to the local server (170).

If one of ordinary skill in the art to which the present invention pertains, the bansa server 175 will be familiar with the technical features of performing the card payment procedure in connection with the card company server, or financial company server, a detailed description thereof Will be omitted for convenience.

3 is a diagram illustrating a process of generating payment approval request information for a professional transceiving target bansa selective card payment according to another embodiment of the present invention and transmitting it to the local server 170.

In more detail, Figure 3 is N to provide the professional transmission and reception target bansa selective card payment service when the card information and payment amount information input for the card payment processing in the payment terminal 100 of the large merchant shown in FIG. Read and receive the professional transmission / reception ratio (or the number of times) for the two bansa to check the bansa information for the professional transmission and reception of the card information and the payment amount information, and check the merchant number information and the bansa encryption key associated with the confirmed bansa information After generating and encrypting payment approval request information, the encrypted payment approval request information is transmitted to a local server 170 connected with the payment terminal 100 to request a professional transceiving target bansa selective card payment request. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 3 to transmit the above-mentioned specialized transmission Various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred in the process of generating payment approval request information for a target bansa selective card payment and transmitting it to the local server 170. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the payment terminal 100 of the large affiliated store shown in FIG. 1 checks whether the card information is read from the customer card through the card reader for card payment processing (300). If is read (305), the read card information is input processing (310).

In addition, the payment terminal 100 checks whether the payment information is a key input (or received from a barcode reader or an RFID reader) for the card payment processing (300), and if the payment information is a key input (or received) In step 305, the key input (or received) payment amount information is input (310).

When the card information and the payment amount information for card payment processing are inputted as described above (310, 225), the payment terminal 100 is a professional transmission and reception ratio (or the number of times) for the N bansa stored in the memory unit 125 In step 330, the professional transceiving target bansa information on the card information and the payment amount information is read.

According to an exemplary embodiment of the present invention, the payment terminal 100 preferably cross-checks the professional transceiving target bansa information sequentially according to the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 sequentially checks the specialized transceiving target bansa information from a specific bansa in accordance with the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 randomly checks professional transmission / reception target bansa information according to a professional transmission / reception ratio (or number) for N bansa.

If the professional transceiving target bansa information is confirmed according to the professional transceiving rate (or the number of times) for the N bansa (335), the payment terminal 100 is the professional transceiving target bansa information from the memory unit 125 Check the merchant number information and the bansa encryption key associated with (340), and generates payment approval request information including the card information and payment amount information and the confirmed merchant number information (345).

Thereafter, the payment terminal 100 encrypts the generated payment approval request information (or one or more configuration information constituting the payment approval request information) (350).

If the payment approval request information (or one or more configuration information constituting the payment approval request information) is encrypted (355), the payment terminal 100 the encrypted payment approval request information through the local area network to the large The local server 170 of the affiliated store is transmitted (360), and in response thereto, the local server 170 transmits the payment approval request information to the bansa server 175 corresponding to the specialized transceiving target bansa information.

Thereafter, the bansa server 175 performs a card payment procedure through payment approval request information in connection with a card company server or a financial company server, and receives payment approval result information including payment processing history information corresponding to the card payment result. It is characterized in that the transmission to the local server (170).

If one of ordinary skill in the art to which the present invention pertains, the bansa server 175 will be familiar with the technical features of performing the card payment procedure in connection with the card company server, or financial company server, a detailed description thereof Will be omitted for convenience.

4 is a diagram illustrating a process of receiving payment approval result information for a professional transceiving target bansa selective card payment according to an embodiment of the present invention.

In more detail, Figure 4 is a payment terminal of the large merchant shown in Figure 1 after transmitting the payment approval request information to the local server 170 of the large affiliated store through the process shown in Figure 2 or Figure 3 Regarding the process of receiving and processing payment approval result information corresponding to the payment approval request information from the local server 170 at 100, the present invention belongs to those skilled in the art, Inferring various implementation methods (e.g., implementation steps that have been omitted or changed in order) for the process of receiving payment approval result information for the specialized bansa selective card payment by referring to and / or modifying the 4 Although the present invention can be made, the present invention includes all the implementation methods inferred, and the technical features are limited to the implementation method shown in FIG. Shall not.

Referring to FIG. 4, after transmitting the payment approval request information to the local server 170 of the large affiliated store through the process illustrated in FIG. 2 or FIG. 3, the payment terminal of the large affiliated store shown in FIG. 1 ( 100 checks whether the payment approval result information corresponding to the payment approval request information is received from the local server 170 through the local area network (400).

If the payment approval result information is not received from the local server 170 (405), the payment terminal 100 receives the failure occurrence information for the specialized transmission and reception target bansa server 175 from the local server 170 Check if it is received (410).

If the failure occurrence information for the specialized transmission and reception target bansa server 175 is received (415), the payment terminal 100 is the professional transmission and reception target bansa server 175 confirmed through the process shown in FIG. In addition to the second), the second professional transceiving target bansa server 175 is checked and the payment approval request information is retransmitted to the local server 170.

On the other hand, if the payment approval result information is received from the local server 170 (405), the payment terminal 100 is the received payment approval result information (or configuration information constituting the payment approval result information) in Bansa If the payment approval result information (or configuration information constituting the payment approval result information) is encrypted at the bansa (425), the payment terminal 100 is the encryption key of the bansa The payment approval result information (or configuration information constituting the payment approval result information) is decrypted (430).

If the payment approval result information (or configuration information constituting the payment approval result information) is not encrypted by bansa (425), or the encrypted payment approval result information (or configuration information constituting the payment approval result information) Is decoded (435), the payment terminal 100 checks the payment processing history information included in the payment approval result information (440), and outputs and prints the checked payment processing history information (445). .

Thereafter, the payment terminal 100 reads the payment processing history information to confirm payment approval (450), and if the payment approval is confirmed (455), the payment terminal 100 through the local area network The confirmed payment processing history information is transmitted to the local server 170 of the large affiliated store 460, and in response thereto, the local server 170 stores and manages the payment processing history information.

FIG. 5 is a diagram illustrating a process of regenerating payment approval request information for specialized transceiving target bansa selective card payment according to an exemplary embodiment of the present invention and retransmitting it to the local server 170.

In more detail, FIG. 5 illustrates a case in which a failure occurs as shown in FIG. 4 while transmitting the payment approval request information generated through the process shown in FIG. 2 or 3 to the specialized transceiving target bansa server 175. In the payment terminal 100 of the large affiliated store shown in FIG. 1, the second other specialized transmission / reception target bansa information is checked according to the professional transmission / reception ratio (or the number of times) for the N bansa, and the confirmed second bansa After regenerating the payment approval request information by checking the information of the second affiliate store number associated with the information, and retransmitting the generated payment approval request information to the local server 170 connected to the payment terminal 100, a professional transceiving target bansa As a process for re-requesting a selective card payment, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to read the full text. Various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred for the process of regenerating the payment approval request information for transmission / receiving Bansa selective card payment to the local server 170. However, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 5, when a failure occurs as shown in FIG. 4 while transmitting the payment approval request information generated through the process shown in FIG. 2 or FIG. 3 to the professional transceiving target bansa server 175. The payment terminal 100 reconfirms the second other specialized transmission / reception target bansa information in addition to the first confirmed bansa information among the N bansa information stored in the memory unit 125 according to the specialized transmission / reception ratio (or the number of times). (500).

According to an exemplary embodiment of the present invention, the payment terminal 100 preferably cross-checks the professional transceiving target bansa information sequentially according to the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 sequentially checks the specialized transceiving target bansa information from a specific bansa in accordance with the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 randomly checks professional transmission / reception target bansa information according to a professional transmission / reception ratio (or number) for N bansa.

If the second other specialized transmission / reception bansa information is confirmed (505), the payment terminal 100 reconfirms the second affiliated store number information associated with the confirmed second specialized transmission / reception bansa information (510). After generating the payment approval request information including the card information, the payment amount information, and the re-confirmed second affiliated store number information through the process shown in FIG. 2 or 3 (515), the payment The generated payment approval request information is transmitted to the local server 170 of the large affiliated store through the local area network to which the terminal 100 is connected (520). In response, the local server 170 transmits the payment approval request information. The bansa server 175 retransmits the bansa server 175 corresponding to the specialized transceiving target bansa information.

Thereafter, the bansa server 175 performs a card payment procedure through payment approval request information in connection with a card company server or a financial company server, and receives payment approval result information including payment processing history information corresponding to the card payment result. It is characterized in that the transmission to the local server (170).

If one of ordinary skill in the art to which the present invention pertains, the bansa server 175 will be familiar with the technical features of performing the card payment procedure in connection with the card company server, or financial company server, a detailed description thereof Will be omitted for convenience.

In addition, the payment terminal 100 checks whether the payment approval result information corresponding to the payment approval request information is received from the local server 170 through the local area network (525).

If the payment approval result information is not received (530), the payment terminal 100 checks whether the failure occurrence information for the second specialized transmission and reception target bansa server 175 is received from the local server 170 and In operation 535, when failure occurrence information regarding the second professional transmission / reception target bansa server 175 is received (540), the payment terminal 100 may further set another second rate according to the professional transmission / reception ratio (or the number of times). Performs a process to check the professional transceiving target bansa information.

On the other hand, when the payment approval result information is received (530), the payment terminal 100 adjusts the subsequent professional transmission and reception ratio (or number of times) according to the professional transmission and reception ratio (or number) information stored in the memory unit 125 and In operation 545, as shown in FIG. 4, the payment approval result information corresponding to the payment approval request information processed to be transmitted to the second specialized transceiving bansa server 175 is performed.

FIG. 6 is a diagram illustrating a process of regenerating payment approval request information for a professional transceiving target bansa selective card payment according to another embodiment of the present invention and retransmitting it to the local server 170.

In more detail, FIG. 6 illustrates a case in which a failure occurs as shown in FIG. 4 while transmitting the payment approval request information generated through the process shown in FIG. 2 or FIG. 3 to the professional transceiving target bansa server 175. In the payment terminal 100 of the large affiliated store shown in FIG. 1, the second other specialized transmission / reception target bansa information is checked according to the professional transmission / reception ratio (or the number of times) for the N bansa, and the confirmed second bansa After regenerating and encrypting the payment approval request information by confirming the second affiliate store number information and the second bansa encryption key associated with the information, the local server connected with the encrypted payment approval request information to the payment terminal 100 ( 170) a process for re-requesting a professional transceiving target bansa selective card payment by retransmitting to 170), a person having ordinary skill in the art to which the present invention pertains, FIG. Various implementation methods (e.g., some steps may be omitted, or sequence) for the process of regenerating the payment approval request information for the professional transceiving target bansa selective card payment by referring to 6 and / or retransmitted to the local server 170. It can be inferred that the modified implementation method), but the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, if a failure occurs as shown in FIG. 4 while transmitting the payment approval request information generated through the process shown in FIG. 2 or FIG. 3 to the specialized transceiving target bansa server 175, The payment terminal 100 re-confirms the other specialized transmission / reception target bansa information in addition to the first confirmed bansa information among the N bansa information stored in the memory unit 125 according to the specialized transmission / reception ratio (or the number of times). (600).

According to an exemplary embodiment of the present invention, the payment terminal 100 preferably cross-checks the professional transceiving target bansa information sequentially according to the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 sequentially checks the specialized transceiving target bansa information from a specific bansa in accordance with the professional transceiving ratio (or number of times) for the N bansa.

According to another exemplary embodiment of the present invention, it is preferable that the payment terminal 100 randomly checks professional transmission / reception target bansa information according to a professional transmission / reception ratio (or number) for N bansa.

If the second other specialized transmission / reception bansa information is confirmed (605), the payment terminal 100 is the second affiliated store number information and the second bansa encryption associated with the confirmed second professional transmission and reception bansa information The key is reconfirmed (610), and the payment approval request information including the card information and the payment amount information and the reconfirmed second affiliate store number information inputted through the process shown in FIG. 2 or 3 are generated. (615).

Thereafter, the payment terminal 100 encrypts the generated payment approval request information (or one or more pieces of configuration information constituting the payment approval request information) through the second encryption key (620).

If the payment approval request information (or one or more pieces of configuration information constituting the payment approval request information) is encrypted (625), the payment terminal 100 the encrypted payment approval request information through the local area network to the large The local server 170 of the affiliate store is retransmitted (630), and in response, the local server 170 transmits the payment approval request information to the bansa server 175 corresponding to the specialized transceiving target bansa information.

Thereafter, the bansa server 175 performs a card payment procedure through payment approval request information in connection with a card company server or a financial company server, and receives payment approval result information including payment processing history information corresponding to the card payment result. It is characterized in that the transmission to the local server (170).

If one of ordinary skill in the art to which the present invention pertains, the bansa server 175 will be familiar with the technical features of performing the card payment procedure in connection with the card company server, or financial company server, a detailed description thereof Will be omitted for convenience.

In addition, the payment terminal 100 checks whether the payment approval result information corresponding to the payment approval request information is received from the local server 170 through the local area network (635).

If the payment approval result information is not received (640), the payment terminal 100 checks whether the failure occurrence information for the second specialized transceiving target bansa server 175 is received from the local server 170. 645, if failure occurrence information about the second professional transmission / reception target bansa server 175 is received (650), the payment terminal 100 is further configured according to the second transmission / reception ratio (or number of times). Performs a process to check the professional transceiving target bansa information.

On the other hand, when the payment approval result information is received (640), the payment terminal 100 adjusts the subsequent professional transmission and reception ratio (or number of times) according to the professional transmission and reception ratio (or number of times) information stored in the memory unit 125 and In operation 655, as shown in FIG. 4, the payment approval result information corresponding to the payment approval request information processed to be transmitted to the second specialized transceiving bansa server 175 is performed.

According to the present invention, a plurality of bansa jointly supply a payment terminal to a large merchant, and after providing the professional transmission and reception ratio (or number) information for each bansa and the encryption key for each bansa in the payment terminal, the payment terminal in the By verifying the professional transceiving target bansa according to the professional transmission and reception ratio (or the number of times) information, and encrypting the payment approval request information with the encrypted bansa encryption key,

According to the present invention, when the payment approval request information is not transmitted to the professional transmission / reception target bansa identified by the professional transmission / reception ratio (or number) information for each bansa due to communication failure or professional congestion, the professional transmission / reception target bansa is replaced by another bansa. Automatically set and transmit, but adjust the professional transmission and reception rate (or number) of the other bansa according to the professional transmission and reception rate (or number) information to maintain and manage the professional transmission and reception rate (or number) for each bansa fair trade is made There is an advantage in processing.

Claims (8)

In the payment specialized processing method of a plurality of merchant payment terminals connected with a local server that can communicate with N bansa servers provided in N (N> 1) bansa, Full text including N bansa information identifying the N bansa server, N bansa-specific merchant number information assigned by the N bansa to the affiliated store and payment approval request information for each card payment through the local server. Storing the N / V specialized professional transmit / receive ratio (or number) information for each bansa in a memory unit in association with each bansa; When the card information is read through a card reader, the rate (or number of times) of the bansa that transmits / receives the full text of the payment terminal for a predetermined period of time is matched to the stored rate of transmit / receive (or frequency) of the N bansa. Verifying professional transceiving target bansa information; Generating payment authorization request information including affiliate store number information associated with the confirmed bansa information and the card information and payment amount information; And And transmitting the generated payment approval request information and the bansa information to the local server. The method of claim 1, wherein the generating step And if the bansa-specific encryption key is stored in the memory unit, encrypting the payment approval request information with the corresponding encryption key. The method of claim 1, Receiving payment approval result information through the local server; Confirming payment approval by reading payment processing history information included in the payment approval result information; And And transmitting the payment processing history information to the local server when confirming the payment approval. The method of claim 3, wherein If the received payment approval result information is encrypted, And decrypting the payment approval result information using the bansa encryption key. The method of claim 1, Checking whether the payment approval request information is transmitted to a specialized transceiving target bansa through the local server; When the payment approval request information is not transmitted to the specialized transmission / reception target bansa, checking second professional transmission / reception target bansa information among the N bansa information stored in the memory unit; Confirming second affiliated store number information and a bansa encryption key associated with the confirmed second bansa information; Generating payment approval request information including the card information, payment amount information, and the confirmed second affiliated store number information; Encrypting the generated payment approval request information with the verified second bansa encryption key; Attaching the second bansa information to the encrypted payment approval request information to the local server; And Adjusting the professional transmission / reception ratio (or number of times) for the second bansa according to the professional transmission / reception ratio (or number of times) information for the N bansa; the payment specialist of the merchant payment terminal further comprising: Treatment method. In a merchant having a local server capable of communicating with N bansa servers provided in N (N> 1) bansa, the merchant payment terminal connected to the local server, Full text including N bansa information identifying the N bansa servers, N bansa-specific merchant number information assigned by the N bansa to the affiliated store, and payment approval request information for each card payment through the local server. A memory unit for storing N / Van specialized transmission / receiving ratio (or number) information for each bansa in which the rate (or number of times) of distribution and transmission to one bansa server among the N bansa servers is set; When the card information is read through a card reader, the rate (or number of times) for each bansa that transmits and receives the full text of the payment terminal for a predetermined period of time is adjusted to match the rate (or number) for N bansa specialized texts stored in the memory unit. Bansa verification unit for verifying the professional transceiving target bansa of the two bansa; An information generator for generating payment approval request information including affiliated store number information associated with the confirmed bansa information and the card information and payment amount information; And Merchant payment terminal comprising a; information transmission unit for transmitting the generated payment approval request information and the bansa information to the local server. The method of claim 6, An information receiver configured to receive payment approval result information through the local server; A payment confirmation unit which checks payment approval by reading payment processing history information included in the payment approval result information; And When the payment approval confirmation, merchant payment terminal further comprises a; history transmission unit for transmitting the payment processing history information to the local server. The method of claim 6, If the Bansa-specific encryption key is stored in the memory unit, Merchant payment terminal further comprises an encryption unit for encrypting the generated payment approval request information with the encryption key.

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