KR100993256B1 - Method for Processng No-authentication Small Amount Settlement Approval Telegram - Google Patents

Abstract

The present invention is a terminal device and server for setting and operating a communication channel connection target VAN company differently according to the type of payment method (that is, the card company unauthorized micropayment method and the card company approved payment method), and the non-authorized micropayment professional processing using the same. The method relates to a communication channel with a first server that handles a card company's unauthorized micropayment and a communication channel with a second server that processes a card company's approval target payment. After confirming whether the payment method is a credit card company approved payment method, if the payment method is a card company unauthorized micropayment method, and transmits the full unauthorized payment processing request request through the communication channel with the first server, the payment method is the card company In the case of the approved payment method, the full text of the payment approval request is transmitted through a communication channel with the second server.

Payment, disapproval, VAN, micro

Description

Method for Processng No-authentication Small Amount Settlement Approval Telegram}

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

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

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

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

5 is a diagram illustrating an unauthorized micropayment treatment process according to an exemplary embodiment of the present invention.

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

7 is a diagram showing the functional configuration of a payment request server with an unauthorized micropayment function according to an embodiment of the present invention.

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

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

FIG. 10 is a diagram illustrating an unauthorized micropayment system configuration for an unauthorized micropayment process according to another exemplary embodiment of the present invention.

11 is a view showing an unauthorized micropayment treatment process according to another exemplary embodiment of the present invention.

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

<Description of main parts of drawing>

100: payment terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: power supply unit

130: communication processing unit 135: security application module

140: print output unit 145: printing apparatus

150: memory unit 155: card confirmation unit

160: amount confirmation unit 165: mode setting unit

170: professional generation unit 175: professional transmission unit

180: professional processing unit

400: bansa server 405: interface unit

410: professional receiver 415: information extraction unit

420: unauthorized approval unit 425: unauthorized processing unit

430: information storage unit 435: professional generation unit

440: professional transmission unit 445: post-approval processing unit

450: Unauthorized condition D / B 455: Storage medium

According to the present invention, if the payment amount is within a predetermined non-payment amount of a small amount, the payment procedure for the payment amount is not approved in real time without being transmitted to the payment approval server provided in the card company or the financial company. The present invention relates to a terminal device and a server for processing an unauthorized small payment message for payment processing in the form of an approval), and a method for processing an unauthorized small payment text using the same.

The electronic payment procedure using a card provided with at least one payment means reads predetermined card information from the card at a payment terminal provided at a predetermined affiliate store and inputs a predetermined payment amount. Generate a payment approval request message including information, payment amount and merchant information and transmit it to bansa through a predetermined communication network, and the bansa reads the card information and the payment approval server provided in the card company or financial company that issued the card. The payment approval server relays the full text of the payment approval request, and afterwards, the payment approval server approves the payment based on the card information and the payment amount information included in the payment approval request text according to a predetermined payment approval procedure. (Or payment error) generates a payment approval message including a payment processing history corresponding to the bansa When transmitting, it comprises a set of procedures for relay transmission in the baensa a payment terminal provided with the specialized said payment authorization to said merchant.

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

An object of the present invention for solving the above problems, and separately set the communication channel with the first server processing the card company unauthorized payment, and the communication channel with the second server processing the payment target card company approval, After confirming whether the payment method is a card company unauthorized micropayment method or a card company approved payment method, and when the payment method is a card company unauthorized micropayment method, the full text of the unauthorized micropayment processing request is transmitted through a communication channel with the first server. If the payment method is a card company approved payment method, a terminal device and a server for processing an unauthorized small payment message for transmitting a payment approval request message through a communication channel with a second server, and an unauthorized small payment processing using the same In providing a method.

The terminal device for processing the unauthorized micropayment full text according to the present invention separately divides the communication channel with the first server processing the credit card unauthorized micropayment and the communication channel with the second server processing the payment subject for card company approval. Check the payment method for determining whether the payment method is the card company unauthorized payment or card company approved payment method by checking the communication channel setting means to be set, the card information and the payment amount information input through the card reader unit and the key input unit. Means and the payment method confirming means, when the payment method is a card company approved micropayment method, transmits an unauthorized micropayment processing request message through a communication channel with the first server set by the communication channel setting means. And if the payment method is a card company approved payment method, the payment approval through the communication channel with the second server set by the communication channel setting means. Characterized in that it comprises a specialized processing means for transmitting the blue text.

According to the present invention, the payment method confirming means, the payment amount input through the key input unit through the comparison of the payment amount information input through the key input unit and the unauthorized payment processing reference amount information, the payment processing reference amount of the unauthorized approval It is characterized in that it is included in the check, and determines whether the payment method is a micro payment method or a card company approved payment method according to the verification result.

In addition, according to the present invention, the payment method confirmation means, by checking the card information input through the card reader unit, and confirms whether the card information is the predetermined card company approved small payment target card information, and the payment method according to the confirmation result It is characterized by determining whether the card company is a non-authorized micro payment method or a card company approved payment method.

On the other hand, the server processing the non-authorized micropayment full text according to the present invention, separates the communication channel with the first server that handles the non-approved micropayment card company and the communication channel with the second server processing the payment target card company approval. By checking the communication channel setting means and the card information and the payment amount information transmitted from at least one payment terminal (or card terminal), and determining whether the payment method is a micro payment method without a card company or a payment method approved by a card company. As a result of the determination method of the payment method confirmation means and the payment method confirmation means, if the payment method is a micro card payment method approved by the card company, the unauthorized small payment through the communication channel with the first server set by the communication channel setting means Send a full text of the processing request, and if the payment method is a card company approved payment method, a communication bond with the second server set by the communication channel setting means. By having a specialized processing means for transmitting a payment authorization request through specialized characterized in that formed.

On the other hand, according to the present invention, the non-authorized micropayment professional processing method includes a communication channel with a first server that processes a card company unauthorized micropayment in a terminal device or a server, and a communication channel with a second server that processes a payment subject for card company approval. Separately setting and determining the payment process target card information and the payment amount information in the terminal device or the server, and determining whether the payment method is a card company-approved micropayment method or a card company approved payment method; and If the terminal device or the server determines that the payment method is a credit card unauthorized micropayment method, the entire authorized payment request is transmitted through a communication channel with the first server, and the payment method is a credit card authorization payment method. In the case that the made through the communication channel with the second server comprising the step of transmitting the full payment approval request And a gong.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the aforementioned non-authorized micropayment professional processing method.

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 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.

That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 non-approved micropayment function according to an embodiment of the present invention.

In more detail, Figure 1 illustrates an embodiment of a payment terminal 100 having a micro payment mode that provides a fast unauthorized micropayment service through a non-approved (or post-approval, batch approval, or batch approval) professional process. As for the person skilled in the art to which the present invention pertains, it will be possible to infer the configuration of the various payment terminal 100 function for the unauthorized micropayment service by referring to and / or modifying the present Figure 1 It is to be understood that the technical features of the present invention are not limited by the drawings, but include all the inferred implementation methods.

Referring to FIG. 1, a payment terminal 100 having a micro payment mode for an unauthorized micro payment service basically includes a control unit 105, a memory unit 150, a card reader unit 110, and a key input unit 120. And a screen output unit 115, a communication processor 130, a security application module 135, a print output unit 140, and a power supply unit 125 for supplying power to the payment terminal 100. It comprises at least one terminal function unit (not shown) or the like according to the intention of those skilled in the art.

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, at least provided in the payment terminal 100 for unauthorized micropayment processing At least one processor and an execution memory (eg, a register and / or a RAM) including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Random Access Memory)) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium to the execution memory in order to perform a function specific to the payment terminal 100 by software. Contains program routines and / or program data that are loaded and computed by the processor (hence, no The control unit is a predetermined program that is recorded on the recording medium provided in the payment terminal 100 and / or a functional configuration provided in the payment terminal 100 for processing the micropayment. 105 as shown in the figure).

According to the exemplary embodiment of the present invention, the controller 105 outputs a component (eg, the memory unit 150, the card reader unit 110, the key input unit 120, and the screen output provided in the payment terminal 100). The payment terminal 100 by interworking the unit 115, the communication processing unit 130, the security application module 135 and the print output unit 140 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 mutually control the components provided in the payment terminal 100 for the unauthorized micropayment service according to the present invention, and / or It is preferable to execute a program recorded on a recording medium provided in the payment terminal 100 for the unauthorized payment service.

The memory unit 150 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 the exemplary embodiment of the present invention, the memory unit 150 stores at least one or more unauthorized small payment target card information corresponding to the unauthorized small payment service object.

Here, the unauthorized small payment target card information may include a card issuer identification number corresponding to the unauthorized small payment target card among the card numbers included in the card information read from at least one card through the card reader 110. It is preferable to include a card number (or a part of the card number) which can identify the card type.

For example, when the card information read from the at least one card through the card reader unit 110 includes a 16-digit credit card number or a check card number, the unauthorized small payment target card information is the 16-digit card number. The card issuer identification number and card type, or the first four digit number (or the first six digit number) including the card issuer identification number or the card type are preferably included. It can be checked whether the read card information is included in the unauthorized small payment service.

According to another exemplary embodiment of the present invention, when the unauthorized small payment service is made for all cards, storing of the unauthorized small payment target card information in the memory unit 150 may be omitted. This is not limited.

In addition, when the memory unit 150 generates the unauthorized payment request message (or payment approval request message) including the predetermined unauthorized small payment target card information corresponding to the unauthorized small payment service object, the communication It is preferable that the processor 130 stores bansa server information for transmitting the unauthorized payment request text (or payment approval request text) through a predetermined communication network.

Here, the Bansa server receiving the unauthorized payment request full text (or payment approval request full text) including the unauthorized small payment target card information may receive and process a conventional payment approval request full text in addition to the post approval-based unauthorized small payment. It is preferable to be provided in bansa and other non-authorized micro payment bansa.

According to another exemplary embodiment of the present invention, the Bansa server that receives the unauthorized payment request message (or the payment approval request message) including the unauthorized small payment target card information includes a conventional payment approval in addition to the post approval-based unauthorized small payment. It is possible to be provided in the bansa, such as bansa that receives and processes the request text, or the bansa server that receives and processes the conventional payment approval request full text is provided with the unauthorized small payment function, thereby limiting the present invention Not.

The customer who receives the unauthorized payment service according to the present invention through the payment terminal 100 contacts the MS (Magnetic Stripe) card and / or the ISO / IEC 7816 standard based on the ISO / IEC 7810 standard. A card reader (or wireless IC chip) and / or a card including at least one contactless IC card (or wireless IC chip) based on an ISO / IEC 14443 standard, wherein the card reader unit 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 at least one contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 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 in that the card information corresponding to the predetermined payment means information from the at least one or more tracks provided in the MS of the MS card to the payment terminal 100 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 provides a power supply to the IC chip of the IC card through the contact point, a predetermined payment means from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) The card information corresponding to the information may be interfaced 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 comprises at least one antenna, and supplies power to the IC chip of the IC card through the antenna, and corresponding to the predetermined payment means information from the IC chip through the half-duplex transaction using the APDU Characterized by interfacing the card information to the payment terminal (100).

According to the exemplary embodiment of the present invention, the card reader unit 110 may provide predetermined payment means information (eg, a credit card provided in the card) from at least one or more cards for the conventional electronic payment service defined in the payment terminal 100. Information, payment card information, debit card information, cash card information, payment means information including at least one or more of the financial account information) is preferably read, and the unauthorized micropayment service according to the present invention Pre-determined payment means information (e.g., credit card information, check card information, debit card information, cash card information, financial account information included in the card) from at least one or more cards. It is preferable to read the card information corresponding to one or more payment means information).

According to the exemplary embodiment of the present invention, the card information read through the card reader unit 110 may include predetermined card-based payment means information (eg, credit card information, check card information, debit card information, and cash card provided on the card). It is preferable to include a card number corresponding to the information) or to include an account number corresponding to the account-based payment means information (for example, financial account information provided on the card), the card number (or account number) ) Preferably includes a number identifying the card issuer and / or card type.

In addition, the card information read through the card reader 110 may further include information about an expiration date (for example, partial debit card information, cash card information, and financial account information) for predetermined card-based payment means information. It is preferable to comprise.

The key input unit 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 the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The controller 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 to match the key event. Of And obtaining a command to execute a 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 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 an exemplary embodiment of the present invention, the key input unit 120 may use 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 100. Etc.) It is preferable to perform the function of the key input means, and at least one or more keys required in the process of providing the unauthorized micropayment service from the key input device for the unauthorized micropayment service according to the present invention. It is preferable to perform the function of the key input means for receiving data.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 120 is a non-authorized micropayment service according to the present invention in the initial mode and / or the normal payment mode of the operation mode of the payment terminal 100 It is desirable to have a key button for switching to the micro payment mode for.

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.

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

According to a preferred embodiment of the present invention, the screen output unit 115 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 100 It is preferable to perform the function of the output means, and also the function of the screen output means for outputting the processing screen corresponding to the step of providing the unauthorized small payment service to the screen output device for the unauthorized small payment service according to the present invention. It is preferable to carry out.

The communication processor 130 may be associated with at least one bansa server provided in at least one bansa through a predetermined communication network in the process of the payment terminal 100 performs a predetermined function (for example, an electronic payment processing function). Or a communication session for transmitting and receiving information (or data) with a predetermined terminal (or device).

Referring to FIG. 1, the communication processor 130 includes a network communication unit for connecting a communication channel for transmitting and receiving payment-related professional communication with at least one bansa server provided in at least one or more bansa through a predetermined communication network. And / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or via the at least one short range wireless communication means It includes a short range wireless communication unit for connecting a predetermined communication session with a terminal (or device) device, and comprises a communication protocol and / or a driver for connecting the communication channel (or communication session) by software.

The network communication unit includes a wired communication network including at least one of a transmission control protocol / Internet protocol (TCP / IP) based wired communication network (eg, xDSL based communication network) or a PSTN based wired communication network, Alternatively, the payment related to the bansa server and the payment service through a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one IEEE 802.16x based wireless communication network. Characterized in that for connecting the communication channel for transmission and reception, and comprises a modem (Modem) or NIC (Network Interface Card) for connecting the payment terminal 100 to a predetermined wired and wireless network in hardware, software A communication protocol for connecting the payment terminal 100 to the wired / wireless network It may comprise a driver.

According to the present invention, the network communication unit included in the communication processing unit 130 for at least one or more payment related professional transmission and reception between the payment terminal 100 is a small payment bansa server approved by a predetermined card company through a predetermined communication network Or a multiple communication channel connection function for connecting a communication channel or connecting a communication channel for at least one payment related professional transmission / reception between predetermined card company-approved bansa servers.

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 is provided with a predetermined barcode reader or a radio frequency identification (RFID) reader when the payment terminal 100 is a credit authorization terminal (CAT). Point of sales (POS) terminal or, if the payment terminal 100 is a POS terminal with a payment function, it is preferable to include a predetermined barcode reader or RFID reader.

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

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

The Secure Application Module (SAM) 135 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. And / or safety for performing security requirements including integrity and / or nonrepudiation in a secure and reliable structure within the payment terminal 100 without using an authentication server on a communication network. A device, which encrypts or decrypts a predetermined message (information or data) that is processed in the process of the payment terminal 100 performing a predetermined security request function (e.g., electronic payment and / or electronic payment function), and the message Adding an authenticator that prevents forgery (or tampering) of the data, or storing important information in the process of performing the security request function. It is characterized by.

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

In addition, the security application module 135 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the 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 140 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 (for example, a receipt printer), and includes a printing protocol and a driver for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. It is done by

Referring to FIG. 1, the payment terminal 100 reads predetermined card information through the card reader unit 110 to provide an unauthorized micropayment service according to the present invention. A card check unit 155 for comparing the card information stored in the unauthorized small payment target card with the read card information to determine whether the card information read through the card reader 110 is included in the unauthorized small payment target card; A predetermined payment amount is input from a predetermined key input means through the key input unit 120, or a predetermined payment amount is input from at least one terminal (or device) through the cable communication unit and / or the short range wireless communication unit. When the amount of payment is included in the unauthorized payment amount, the amount confirmation unit 160, the card check unit 155 and / or the amount of the confirmation unit 160 Set (or switch) the payment mode of the payment terminal 100 to the micro payment mode for the unauthorized micropayment processing according to the result, or set the payment mode to the electronic payment mode for the conventional electronic payment processing ( Or a mode setting unit 165 for switching), wherein the payment mode is an actual operation mode of the payment terminal 100 or the card information and / or payment amount confirmation. It comprises at least one virtual operation mode that defines the payment function of the payment terminal (100).

When predetermined card information is read through the card reader unit 110, the card checking unit 155 is a small amount of unauthorized information stored in the memory unit 150 among the card information read through the card reader unit 110. By extracting the comparison target card information (for example, a part of the card number) that can be compared with the payment target card information, by comparing the extracted comparison target card information and the unauthorized small payment target card information stored in the memory unit 150 The card information read through the card reader unit 110 may be included in an unauthorized micropayment target card.

When the card information read through the card reader unit 110 includes the 16-digit credit card number or the check card number according to the embodiment of the present invention, the card check unit 155 is the 16-digit card number. Extract card information including card issuer identification number and card type, or the first four digit number (or first six digit number) including card issuer identification number or card type, and extract the card issuer identification number and card type. Or by comparing the card information issued through the card reader unit 110 with the non-authorized micro payment target card information corresponding to the card issuer identification number or the card type. It is desirable to check if it is included.

A predetermined payment amount is input from a predetermined key input unit through the key input unit 120, or at least one barcode reader or RFID reader (or at least one barcode reader or through the cable communication unit and / or the short range wireless communication unit). When a predetermined payment amount is inputted from the POS terminal having an RFID reader), the amount checking unit 160 checks whether the payment amount is included in an unauthorized small payment target payment reference amount for the unauthorized small payment processing. It is characterized by.

According to the embodiment of the present invention, if the amount of the non-approval payment standard is 30,000 won, the amount confirming unit 160 inputs the predetermined payment amount input from the predetermined key input unit through the key input unit 120. If the amount is less than or equal to 30,000 won, which is the amount of payment for unauthorized payment, the amount is less than 30,000 won. It is preferable to confirm that it is not included in the amount of the payment threshold for unauthorized payment for the unauthorized small payment.

Alternatively, the amount confirmation unit 160 is a predetermined input from at least one barcode reader or RFID reader (or POS terminal having at least one barcode reader or RFID reader) through the cable communication unit and / or short-range wireless communication unit. If the amount of payment is less than or equal to the amount of the unauthorized small payment target payment amount of 30,000 won, it is confirmed that the amount of payment is included in the amount of the unauthorized small payment object for the unauthorized small payment processing, If it is larger than the won, it is preferable to confirm that it is not included in the amount of the payment standard for the unauthorized small payment for the unauthorized small payment processing.

If the card check unit 155 confirms that the card information read through the card reader unit 110 is included in the unauthorized small payment target card, the mode setting unit 165 performs the payment terminal ( Set (or switch) the payment mode of 100) to the micropayment mode for the unauthorized micropayment processing, which is the communication processing unit 130 transmits and receives a payment related professional transmission and reception with the unauthorized micropayment bansa server. It means to set the communication channel for connecting.

On the other hand, if it is determined that the card information is not included in the unauthorized small payment target card, the payment mode of the payment terminal 100 is set (or switched) to an electronic payment mode for a conventional electronic payment process. This means that the communication processing unit 130 is configured to connect a communication channel for transmitting and receiving a payment related professional with the card company approved bansa server.

Alternatively, at least one bar code reader or RFID through the cable communication unit and / or the short range wireless communication unit, the payment amount inputted from a predetermined key input unit through the key input unit 120 as a result of the check by the amount confirmation unit 160. When it is confirmed that the payment amount input from the reader (or the POS terminal having at least one barcode reader or RFID reader) is included in the unauthorized payment amount, the mode setting unit 165 performs the payment terminal. Set (or switch) the payment mode of the 100 to the micropayment mode for the unauthorized micropayment processing, which is the communication processing unit 130 transmits and receives the payment related professional payment related to the unauthorized micropayment bansa server. This means that the communication channel is set to connect.

On the other hand, if it is confirmed that the payment amount is not included in the payment threshold amount of the unauthorized payment, the payment mode of the payment terminal 100 is set (or switched) to the electronic payment mode for the conventional electronic payment processing. This means that the communication processor 130 is configured to connect a communication channel for transmitting / receiving a payment related professional with the card company approved bansa server.

Alternatively, as a result of the card checking unit 155, the card information read through the card reader unit 110 is included in the unauthorized small payment target card, and the key input unit confirms the result of the amount confirmation unit 160. A payment amount input from a predetermined key input means through 120, or a POS having at least one barcode reader or RFID reader (or at least one barcode reader or RFID reader through the cable communication unit and / or the short range wireless communication unit) When it is confirmed that the payment amount input from the terminal) is included in the payment threshold amount of the unauthorized payment, the mode setting unit 165 sets the payment mode of the payment terminal 100 for the unauthorized payment. Set (or switch) to the small payment mode, which is the communication processing unit 130 associated with the unauthorized small payment bansa server and payment It means that one set up to connect a communication channel for transmitting and receiving statements.

On the other hand, if not, the payment mode of the payment terminal 100 is set (or switched) to the electronic payment mode for the conventional electronic payment processing, which is characterized in that the communication processing unit 130 and the card company approved bansa server This means that the communication channel for transmission and reception of payment-related text is set.

Referring to Figure 1, the payment terminal 100, the payment mode 100 of the payment terminal 100 by the mode setting unit 165 in order to provide an unauthorized small payment service according to the present invention When it is set (or switched) to the micro payment mode for payment processing, the full text generation unit 170 for generating an unauthorized payment request full text (or payment approval request full text) for the unauthorized small payment processing, and the generated draw A special payment unit 175 for transmitting a full payment request message (or full payment approval request) to the unauthorized micropayment bansa server on the communication network through the communication processing unit 130, and the communication network through the communication processing unit 130. Receives the payment approval message including the payment processing history corresponding to the payment approval request full text from the Bansa server on the top, and through the screen output unit 115 the payment processing details included in the payment approval full text It is characterized in that it comprises a specialized processing unit 180 for outputting the screen, and / or print output through the print output unit 140.

When the payment mode of the payment terminal 100 is set (or switched) to the small payment mode for the unauthorized small payment processing by the mode setting unit 165, the full text generation unit 170 is the card reader unit. Card information read through 110, a payment amount input from a predetermined key input means through the key input unit 120, or at least one barcode reader or RFID reader through the cable communication unit and / or the short range wireless communication unit. (Or a POS terminal having at least one barcode reader or RFID reader) and an unauthorized payment request including at least one payment amount input from at least one merchant information (eg, CAT_ID information) provided with the payment terminal 100. And generating the full text (or payment approval request text), and sending the generated unauthorized payment request text (or full text of the payment approval request) to the specialized transmission unit 175. Ball.

According to an exemplary embodiment of the present invention, the full text generation unit 170 reads the card information read through the card reader unit 110 and the key input unit as shown in FIG. 2 for the unauthorized micropayment processing. A payment amount input from a predetermined key input means through 120, or at least one barcode reader or RFID reader (or at least one barcode reader or RFID reader) through the cable communication unit and / or the short range wireless communication unit POS terminal), and generating an unauthorized payment request text including at least one or more payment information input from the payment terminal 100 and the merchant information (eg, CAT_ID information) provided with the payment terminal 100, the unauthorized payment request The full text is transmitted to the unauthorized small payment bansa server on the communication network providing the unauthorized small payment service through the professional transmission unit (175). desirable.

According to another exemplary embodiment of the present invention, the full text generation unit 170 generates a conventional payment approval request full text for the non-approval micropayment processing, and the full text payment approval request through the full text transmission unit 175. It is preferable to be transmitted to the unauthorized micropayment bansa server on the communication network providing the unauthorized micropayment service.

The specialized transmission unit 175 provides the unauthorized small payment service through the communication processing unit 130 with the unauthorized payment request full text (or payment approval request full text) generated by the professional generation unit 170. Characterized in that the transmission to the unauthorized small payment bansa server on the communication network.

According to the implementation method of the present invention, when the unauthorized payment request full text (or payment approval request full text) is generated for the unauthorized micropayment processing by the full text generation unit 170, the full text transmission section 175 Extracting Bansa server information corresponding to the unauthorized small payment bansa server from the memory unit 150, and through the communication processing unit 130 to the unauthorized small payment bansa server on the communication network corresponding to the Bansa server information It is preferable to transmit the full unauthorized payment request (or full payment approval request).

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

According to an embodiment of the present invention, the unauthorized payment request full text (or payment approval request full text) is received through the communication network to the unauthorized small payment bansa server, and then performs the unauthorized small payment procedure according to the present invention. Afterwards, the unauthorized small payment bansa server generates a predetermined payment processing full text including a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the unauthorized payment processing result. Transmission to the payment terminal 100 through a communication network.

After the unauthorized payment request message (or payment approval request message) is transmitted to the unauthorized small payment bansa server through the specialized transmission unit 175, the professional processing unit 180 through the communication processing unit 130 Periodically (or the full text of the communication processing unit 130) whether a payment processing text message including a payment processing history corresponding to the unauthorized payment request text message (or payment approval request text message) is received from the unauthorized small payment bansa server on the communication network. In response to a reception event).

If a payment processing message including a payment processing history corresponding to the unauthorized payment request message (or payment approval request message) is received through the communication processing unit 130, the specialty processing unit 180 is connected to the payment processing message. It is characterized in that the screen output through the screen output unit 115, and / or the print output through the print output unit 140, the payment processing details (for example, payment approval details, or payment error details) included Thus, the unauthorized micropayment procedure for the unauthorized micropayment service is completed.

Figure 2 is a diagram illustrating an unauthorized payment request professional structure for the unauthorized small payment processing according to an embodiment of the present invention.

In more detail, Figure 2 is for the unauthorized payment request professional structure generated for the unauthorized small payment processing in the payment terminal 100 shown in Figure 1, specifically, the payment terminal 100 shown in Figure 1 In the case where the card information read from the customer card includes the credit card information, it is for the unauthorized payment request specialized structure generated for the unauthorized micropayment processing based on the credit card.

Those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 2, and each card information (e.g., check card information, debit card information, prepaid card information, etc.) as intended by those skilled in the art. In response to this, various unauthorized payment request specialized structures for the unauthorized micropayment process may be inferred, but the present invention includes all the implementation methods inferred, and this unauthorized payment request specialized structure is illustrated in FIG. It is by no means limited to.

Referring to FIG. 2, the unauthorized payment request full text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And after the terminating character, further comprising a checksum (CRC-CCITT) for the specialized information.

The full text of the unauthorized payment request may include a transaction classification item (for example, an unauthorized unauthorized small payment request, an unauthorized unauthorized small payment cancellation, etc.) and a payment terminal 100 shown in FIG. The corresponding Terminal_ID item, the POS Entry Mode item, and the TRACK II Data item (e.g., the TRACK II of the MS card) corresponding to the payment means information obtained from the predetermined card through the card reader provided in the payment terminal 100 Credit card information obtained from a Primary Account Number (PAN) area and Additional Data (AD) and / or Discretionary Data (DD) areas, or credit card information obtained from a credit card file of an IC card. After the predetermined file separator (File Separator, 0X1C), it includes the installment month item, the total amount item, and the service fee item corresponding to the credit card payment information. De items and documents made, including the serial number items.

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

3 is a diagram illustrating an operation process of a payment terminal 100 for an unauthorized micropayment process according to an embodiment of the present invention.

In more detail, FIG. 3 is a process for providing a high-speed non-payment micropayment service through the non-approval (or post-approval, batch approval, or batch approval) specialized processing in the payment terminal 100 shown in FIG. As those skilled in the art to which the present invention pertains, various operation processes of the payment terminal 100 for an unauthorized micropayment service may be inferred by referring to and / or modifying the drawing 3. 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.

For example, in FIG. 3, the payment terminal 100 shown in FIG. 1 reads predetermined card information through a predetermined card reader, and uses a predetermined key input means (or barcode reader or RFID reader). In the case of inputting the payment amount, in the reading of the card information, the card information is included in the unauthorized small payment target card information, and in the payment amount input step, the payment amount includes the unauthorized small payment reference amount. Although the method of the present invention is not limited thereto, the order of the card information reading step and the payment amount input step is changed, or the unauthorized small payment target card information is executed. It is possible for both the verification and the unauthorized payment settlement amount verification process to be carried out in an integrated manner. Shall not.

Hereinafter, in FIG. 3, the payment terminal 100 shown in FIG. 1 is referred to as a “terminal” for convenience.

Referring to FIG. 3, the terminal shown in FIG. 1 receives predetermined card information from a predetermined customer card through a predetermined card reader (e.g., an MS card reader, a contact IC card reader, or a contactless IC card reader). Check if the reading (300).

If predetermined card information is read through the card reader (305), the terminal reads the read card information and includes the unauthorized small payment target card information for the unauthorized small payment processing. Check if it is made (310).

According to an exemplary embodiment of the present invention, when predetermined card information is read through a predetermined card reader provided in the terminal, the terminal may receive an unauthorized small payment object stored in the memory unit among the card information read through the card reader. The card reader is extracted by extracting comparison target card information (for example, a part of a card number) which can be compared with card information, and comparing the extracted comparison target card information with the unauthorized small payment target card information stored in the memory unit. It is preferable to check whether the card information read through is included in the unauthorized small payment target card information.

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

If the checked card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (315), the terminal sets the payment mode for the card information to the conventional electronic payment mode. (Or switching) 320, and checks whether a predetermined payment amount is input through a predetermined key input means (or barcode reader or RFID reader) provided in the terminal (325). In step 330, the terminal generates a predetermined payment approval request message including the card information, payment amount information, and merchant information (360), and the generated payment approval request message is a conventional electronic payment procedure through a predetermined communication network. Transmit to the bansa server performing (365).

Persons having ordinary knowledge in the technical field to which the present invention belongs may understand the technical features of performing a conventional electronic payment procedure through the payment approval request message in the Bansa server that receives the payment approval request message. Detailed description thereof will be omitted for convenience.

On the other hand, if the read result card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (315), the terminal receives a predetermined key input means (or barcode reader, or RFID reader) In operation 335, if the payment amount is input (340), the terminal reads the input payment amount and checks whether the payment amount includes the unauthorized small payment reference amount. (345).

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

If the input payment amount does not include an unauthorized small payment reference amount (350), the terminal sets (or switches) the payment mode for the card information and / or payment amount to a conventional electronic payment mode (355). ), A predetermined payment approval request text including the card information, payment amount information, and merchant information (360), and the generated payment approval request text is a bansa server for performing a conventional electronic payment procedure through a predetermined communication network The transmission is performed at 365.

Persons having ordinary knowledge in the technical field to which the present invention belongs may understand the technical features of performing a conventional electronic payment procedure through the payment approval request message in the Bansa server that receives the payment approval request message. Detailed description thereof will be omitted for convenience.

On the other hand, if the inputted payment amount includes the unauthorized small payment reference amount (350), the terminal sets (or switches) the payment mode for the card information and / or the payment amount to the small payment mode (370), Generate a predetermined unauthorized payment request text including the card information, payment amount information and merchant information (360), and the generated unauthorized payment request text is transmitted to the unauthorized small payment bansa server through a predetermined communication network (380).

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

4 is a diagram showing the configuration of an unauthorized micropayment system for an unauthorized micropayment process according to an exemplary embodiment of the present invention.

In more detail, Figure 4 generates a predetermined unauthorized payment request message (or payment approval request message) for the unauthorized micropayment processing in the payment terminal 100 shown in Figure 1 and transmits it through a predetermined communication network. If the bansa server 400 receives the unauthorized payment request text (or payment approval request text), the card company / financial company corresponding to the card information included in the unauthorized payment request text (or payment approval request text) is provided. The present invention relates to a system configuration for processing a payment corresponding to an unauthorized payment request text (or payment approval request text) based on a predetermined disapproval condition without being connected to a payment approval server in real time. Those skilled in the art to which the present invention pertains, the unauthorized micropayment system for the unauthorized micropayment process by referring to and / or modifying the drawing 4 Various implementation methods for the configuration may be inferred, but it should be understood that the technical features of the present invention are not limited by the drawing 4 but include all the implementation methods inferred.

Hereinafter, the unauthorized small payment bansa server 400 which provides the unauthorized small payment processing function in connection with the payment terminal 100 shown in FIG. 1 in FIG. 4 will be referred to as a "bansa server 400" for convenience. .

The non-authorized micropayment system according to the embodiment of the present invention is provided at a predetermined affiliate store, generates a predetermined non-authorized payment request preamble (or a preamble approval preamble) for the unauthorized micropayment process, and generates a predetermined communication network. Receives and reads at least one payment terminal 100 and an unauthorized payment request message (or payment approval request message) transmitted from the payment terminal 100 through a predetermined communication network through the predetermined communication network. Do not process payment approval in real time in connection with the payment approval server provided in the card company / financial company corresponding to the card information included in the full text (or payment approval request text), and based on the predetermined disapproval condition, Or a bansa server 400 for processing a payment corresponding to a payment approval request).

The payment terminal 100 is characterized in that it comprises at least one CAT (Credit Authorization Terminal), or a POS (Point Of Sales) terminal provided with a predetermined affiliate store, shown in Figure 1 As described above, a predetermined unauthorized payment request message (or payment approval request message) for the unauthorized micropayment processing may be generated and transmitted through a predetermined communication network.

Referring to FIG. 4, the bansa server 400 for the unauthorized micropayment process connects and manages a communication terminal for transmitting and receiving a payment related professional and a payment terminal 100 provided at the affiliated store through a predetermined communication network. An interface unit 405 is provided.

The interface unit 405 includes at least one wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, xDSL-based communication network, etc.), or a wired communication network based on a public switched telephone network (PSTN). 1 through a wired communication network, a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one or more IEEE 802.16x based wireless communication networks. It is characterized in that connecting the communication terminal for the payment terminal 100 and the payment-related professional transmission and reception shown in Figure 2, the modem (Modem) or NIC for connecting the bansa server 400 to a predetermined wired or wireless network in hardware It includes a (Network Interface Card), so that the software to connect the bansa server 400 to the wired and wireless network. To comprise a communication protocol and / or the driver.

Referring to FIG. 4, the Bansa server 400 for the unauthorized micropayment processing may include at least one BL (Black List) corresponding to card information that cannot provide the unauthorized micropayment service. Store the unauthorized micropayment limit amount information including a limit amount for storing the micropayment BL information and / or providing the unauthorized micropayment service through a predetermined unauthorized micropayment target card; and And / or an unauthorized condition D / B for storing the unauthorized micropayment limit information including the unauthorized micropayment limit for providing the unauthorized micropayment service through a predetermined unauthorized micropayment target card (450). ), Or in connection with a DB server having the unauthorized condition D / B (450).

Here, the non-authorized micro payment BL information may include a delinquent payment amount based on the previous month / month, when the credit of the customer who received the non-authorized micro payment target card or the credit card for the non-authorized micro payment includes a credit card. If the credit limit is exceeded on the previous day or if the card for which the unauthorized small payment includes a check card / debit card / cash card / financial account, the unauthorized small payment service may be canceled due to lack of account balance or account balance lockout. Characterized in that it comprises at least one or more card number that can not be provided, the unauthorized small payment of the card information contained in the unauthorized payment request full text (or payment approval request full text) received from the payment terminal 100 The unauthorized payment request text (or payment approval request text) including the card information matching the BL information may be settled for the small amount of the unauthorized payment. It is desirable to be excluded from the treatment.

In addition, the unauthorized micropayment limit amount information includes at least one daily non-payment micropayment limit amount, weekly non-approval micropayment limit amount, and monthly non-authorized micropayment limit amount for the unauthorized micropayment target card. The daily / weekly / monthly cumulative payment amount of the payment amount included in the unauthorized payment request message (or the payment approval request message) received from the payment terminal 100 is among the unauthorized small payment amount. When at least one or more is exceeded, it is preferable that the unauthorized payment request full text (or payment approval request full text) exceeding the unauthorized small payment limit amount is excluded from the unauthorized small payment processing object.

In addition, the unauthorized micropayment limit information includes at least one daily non-authorized micropayment limit, weekly non-authorized micropayment limit, and monthly non-authorized micropayment limit for the unauthorized micropayment target card. Characterized in that, the daily / weekly / monthly cumulative unauthorized micropayment processing times for the unauthorized payment request full text (or payment approval request professional) received from the payment terminal 100 limit the number of unauthorized small payments If at least one or more of the above, the unauthorized payment request full text (or payment approval request full text) that exceeds the number of unauthorized small payments is preferably excluded from the processing of the unauthorized small payment.

Referring to Figure 4, the Bansa server 400 for the unauthorized micropayment processing, after the unauthorized micropayment processing is normally processed through the unauthorized payment request full text (or payment approval request full text), the draw Or a storage medium 455 for storing predetermined unauthorized payment details in which card information and payment amount information and merchant information included in the full payment request message (or payment approval request text) are processed or the storage medium ( It is characterized in that the connection is made in conjunction with the DB server having 455.

Referring to FIG. 4, the Bansa server 400 for the unauthorized micropayment processing may request a predetermined unauthorized payment request from at least one or more payment terminals 100 through a predetermined communication network in connection with the interface unit 405. Card information and payment amount information and merchants from a professional receiving unit 410 for receiving a full text (or payment approval request full text) and the unauthorized payment request full text (or payment approval request full text) received through the professional receiving unit 410. The information extraction unit 415 for extracting information, the card information and payment amount information extracted from the unauthorized payment request full text (or payment approval request full text) and the unauthorized amount stored in the unauthorized condition D / B (450) Read the micropayment BL information, and / or the unauthorized micropayment limit information, and / or the unauthorized micropayment limit information to read the full text of the unauthorized payment request (or full payment authorization request). Museung provided with a confirmation unit 420 to confirm the payment is approved characterized in that formed.

In the payment terminal 100 shown in FIG. 1, a predetermined unauthorized payment request message (or full payment approval request message) including predetermined card information, payment amount information, and the affiliated store information corresponding to the unauthorized small payment target card is provided. When transmitting, the specialized receiving unit 410 receives the unauthorized payment request message (or payment approval request message) transmitted from at least one payment terminal 100 through a predetermined communication network in connection with the interface unit 405. Characterized in that, the received unauthorized payment request full text (or payment approval request full text) is provided to the information extraction unit 415.

When a predetermined payment request message (or payment approval request message) including the predetermined card information, payment amount information, and the merchant information corresponding to the unauthorized small payment target card is received through the specialized receiving unit 410, The information extracting unit 415 extracts the card information, payment amount information, and merchant information for the unauthorized micropayment processing from the received unauthorized payment request message (or payment approval request message).

When the card information and the payment amount information are extracted from the unauthorized payment request message (or payment approval request message) through the information extraction unit 415, the unauthorized confirmation unit 420 may determine the extracted payment amount information. Characterized in that the non-approved micropayment processing within the amount of the non-authorized micropayment target payment.

According to the embodiment of the present invention, if the amount of the non-authorized payment settlement target amount is 30,000 won, the unauthorized confirmation unit 420 is the payment amount information extracted from the unauthorized payment request full (or payment approval request) When the amount of payment is less than or equal to 30,000 won, which is the amount of payment for unauthorized payment, the payment amount is confirmed to be included in the amount of payment for unauthorized payment for the amount of unauthorized payment, and the request for unauthorized payment is made. It is desirable to confirm that unauthorized payment processing for the full text (or full payment approval request) is possible.

In addition, the unauthorized confirmation unit 420 is the card information extracted from the unauthorized payment request full text (or payment approval request full text) and the unauthorized micropayment BL information provided in the unauthorized condition D / B (450) In comparison, characterized in that whether or not the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text).

According to an exemplary embodiment of the present invention, the card information extracted from the unauthorized payment request message (or payment approval request message) and the unauthorized small payment BL information provided in the unauthorized condition D / B 450 correspond to. If it does not match the card information, the unauthorized confirmation unit 420 preferably confirms that the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is possible.

In addition, the unauthorized confirmation unit 420 is linked with the storage medium 455 for storing the unauthorized payment details through the card information extracted from the unauthorized payment request full text (or payment approval request full text) Check the unauthorized payment details of at least one daily, weekly or monthly corresponding to the information, and the payment amount information extracted from the unauthorized payment request full text (or payment approval request full text) and included in the confirmed unauthorized payment details Computing daily cumulative payment amount, weekly cumulative payment amount, monthly cumulative payment amount by summing at least one or more payment amount information, wherein the calculated at least one daily, weekly and monthly cumulative payment amount and the disapproval condition Comparing the daily, weekly and monthly unapproved micropayment limit amount included in the information of the unapproved micropayment limit amount provided in the D / B 450 To determine the museung the payment is for a payment request museung professional (or professional payment authorization request) it is characterized.

According to an exemplary embodiment of the present invention, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 450 includes a daily non-approved micropayment limit amount, the unauthorized confirmation unit 420 may In connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the unauthorized payment request full text (or the payment approval request full text), the unauthorized payment details corresponding to the current card information are recorded. Calculate the cumulative payment amount as of the current day by combining the payment amount information extracted from the unauthorized payment request message (or the payment approval request message) with at least one payment amount information included in the confirmed unauthorized payment details; And the daily unauthorized micropayment included in the calculated cumulative payment amount based on the current date and the unauthorized micropayment limit amount information included in the disapproved condition D / B 450. It is preferable to compare the limit amount, and if the calculated cumulative payment amount based on the current day is smaller than the daily non-approval limit payment amount, the unauthorized confirmation unit 420 reads the entire unauthorized payment request (or payment). It is desirable to confirm that unauthorized payment processing for the full approval request is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 450 includes the weekly unpaid micropayment limit amount information, the unauthorized confirmation unit 420 reads the unauthorized payment request text. Confirm the weekly unauthorized payment history for one week based on the current day corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And accumulate payment amount information extracted from the unauthorized payment request text (or payment approval request text) and at least one payment amount information included in the confirmed unauthorized payment details for the weekly payment for the current week Calculate the amount, and the unpaid micropayment limit provided in the weekly cumulative payment amount and the disclaimer condition D / B 450 for one week as of the calculated current date. It is preferable to compare the weekly unpaid micropayment limit amount included in the information, and when the weekly cumulative payment amount for the week is less than the weekly unpaid micropayment limit amount, the unauthorized confirmation unit 420 ), It is preferable to confirm that unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 450 includes the monthly unapproved micropayment limit amount information, the unauthorized confirmation unit 420 may complete the unauthorized payment request. Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And accumulate monthly payments for one month as of the current day by summing payment amount information extracted from the unauthorized payment request message (or payment approval request message) and at least one payment amount information included in the confirmed unauthorized payment details. The amount of money is calculated and the amount of the monthly cumulative payment amount for the calculated current month and the unauthorized small payment limit amount information provided in the disapproved condition D / B 450 are calculated. It is preferable to compare the monthly unpaid micropayment limit amount included, and if the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the unauthorized confirmation unit 420 It is preferable to confirm that unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is possible.

In addition, the unauthorized confirmation unit 420 is linked with the storage medium 455 for storing the unauthorized payment details through the card information extracted from the unauthorized payment request full text (or payment approval request full text) Check the at least one daily / weekly / monthly unauthorized payment history corresponding to the information, and count the counted daily / weekly / monthly unauthorized payment details to accumulate the daily accumulated unauthorized payment corresponding to the card information. And counting the number of times of processing, the amount of micropayments for the weekly cumulative disapproval, and the number of times of the micropayments for the monthly cumulative disapproval. The non-approved settlement is compared by comparing the daily, weekly and monthly unapproved micropayment limit included in the condition D / B 450. To determine the museung the payment is for requesting specialized (or specialized payment authorization request) is characterized.

According to an exemplary embodiment of the present invention, when the unauthorized small payment number limit information included in the unauthorized condition D / B 450 includes the daily unauthorized small payment number limit, the unauthorized confirmation unit 420 is In connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the full unauthorized payment request message (or the full payment approval request text), the unauthorized payment details corresponding to the card information may be used. Confirming, counting the confirmed unauthorized payment details to calculate the cumulative unauthorized micropayment processing count as of the current day, and calculating the cumulative unauthorized micropayment processing count as of the current date and the unauthorized condition D / B (450). ), It is preferable to compare the daily non-authorized micropayment limit included in the information on the number of non-authorized micropayments included in the information. When the number of times is less than the daily non-payment micropayment limit, it is preferable that the unauthorized confirmation unit 420 confirms that the unauthorized payment processing for the unauthorized payment request text (or payment approval request text) is possible. .

In addition, when the number of unapproved micropayments included in the unauthorized condition D / B 450 includes the number of unapproved micropayments per week, the unauthorized confirmation unit 420 may complete the unauthorized payment request. Confirm the weekly unauthorized payment history for one week based on the current day corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And counting the identified unauthorized payment details to calculate the number of weekly unpaid micropayments for the week for the current day, and the number of weekly unpaid micropayments for the week and the unapproved for the current day. It is preferable to compare the number of weekly unacceptable micropayments included in the information on the number of unacceptable micropayments included in the condition D / B 450, and the calculated current If the weekly unpaid micropayment is less than the weekly unpaid micropayment limit for one week, the unauthorized confirmation unit 420 draws a draw on the unauthorized payment request text (or payment approval request text). It is desirable to confirm that the payment processing is possible.

In addition, when the unauthorized small payment number limit information provided in the unauthorized condition D / B (450) includes a monthly unauthorized small settlement number limit, the unauthorized confirmation unit 420 is the unauthorized payment request Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And counting the confirmed unpaid payment details to calculate monthly cumulative unpaid micropayment processing counts for one month as of the current day, and monthly cumulative unauthorized micropayment processing counts for the current month and the unapproved bills. It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments included in the condition D / B 450, and the calculated current date If the monthly cumulative unauthorized micropayment processing count is less than the monthly unauthorized micropayment limit for one month, the unauthorized confirmation unit 420 performs unauthorized payment for the unauthorized payment request text (or payment approval request text). It is desirable to confirm that the treatment is possible.

Referring to Figure 4, the Bansa server 400 for the unauthorized micropayment process, the unauthorized payment for the unauthorized payment request full text (or payment approval request full) as a result of the confirmation of the unauthorized confirmation unit 420 If it is determined that the processing is possible, the payment processing for the unauthorized payment request text (or payment approval request text) is processed as virtually approved to generate an unauthorized payment history including the card information, payment amount information and merchant information. And an information storage unit 430 for storing the unauthorized payment unit 425 and the unauthorized payment details in the storage medium 455.

When it is confirmed that the unauthorized payment processing for the unauthorized payment request full text (or the payment approval request full text) is possible, the unauthorized processing part 425 is the unauthorized payment request full text ( Or an unauthorized payment history including the card information, payment amount information, and merchant information extracted from the payment approval request text), and the information storage unit 430 is included in the unauthorized payment details. The card information, payment amount information, and affiliated store information may be stored in the storage medium 455 by interworking.

According to the method of the present invention, the unauthorized processing unit 425 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information and payment amount information and Preferably, the generated unauthorized approval code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including merchant information, and the information storage unit 430 is included in the unauthorized payment details. The unauthorized information (or unauthorized approval code) (not shown) may be further stored in the storage medium 455 to the card information, payment amount information, and affiliated store information.

In addition, the unauthorized processing unit 425 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information, and affiliated store information. Preferably, the generated payment date and time information (not shown) is further included, and the information storage unit 430 may draw the card information, payment amount information, and merchant information included in the unauthorized payment details. It is preferable that the payment date information (not shown) is further linked and stored in the storage medium 455.

In addition, the unauthorized processing unit 425 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and the card information, payment amount information, and merchant information. Preferably, the card company information (or payment approval server information) (not shown) is further included in the unauthorized payment details including the information storage unit 430 of the unauthorized payment details. The card company information (or payment approval server information) (not shown) may be further stored in the storage medium 455 to the information, payment amount information, and merchant information.

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

Referring to Figure 4, the Bansa server 400 for the unauthorized micropayment processing, if the predetermined unauthorized payment details are generated by the unauthorized processing unit 425, the unauthorized payment details are approved The full text generation unit 435 for generating a predetermined payment processing text including the payment processing history by considering the payment processing history for the full text of the payment request (or payment approval request) and the interface unit 405 Characterized in that it comprises a specialized transmission unit 440 for transmitting the generated payment processing full text to the payment terminal (100).

When the predetermined unauthorized payment details are generated by the unauthorized processing unit 425, the full text generation unit 435 may display the unauthorized payment details generated by the unauthorized processing unit 425. Or a payment processing history for a payment approval request message), and generates a predetermined payment processing message including the payment processing history.

On the other hand, if it is confirmed that the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is not possible, the full text generation unit 435 is the unauthorized. Characterized by the verification unit 420, characterized in that for generating a predetermined payment processing text including the details of the unauthorized payment error.

When a predetermined payment processing message is generated by the message generation unit 435, the message transmission unit 440 links the generated payment processing message via the communication network in connection with the interface unit 405 to the payment terminal ( 100), and the payment terminal 100 having received the payment processing text may display and / or print the payment processing details included in the payment processing text.

Referring to FIG. 4, the bansa server 400 for the unauthorized micropayment processing generates a predetermined unauthorized payment history by the unauthorized processing unit 425, and the information storage unit 430 generates the predetermined unauthorized payment details. After the unauthorized payment details are stored in the storage medium 455, periodically, at least one unauthorized payment history stored in the storage medium 455 is processed as payment approval request information to the card information through a predetermined communication means. It is characterized in that it comprises a post-approval processing unit 445 for transmitting to the payment approval server provided in the corresponding card company / financial company to perform a post-approval process.

After the predetermined unauthorized payment details are generated by the unauthorized processing unit 425, the unauthorized payment details are stored in the storage medium 455 by the information storage unit 430, and then the post-approved processing unit 445. ) Periodically extracts at least one or more unauthorized payment details that have not performed a post-approval process through a predetermined payment approval server among at least one or more unauthorized payment details stored in the storage medium 455, and at least one extracted The unauthorized payment details may be processed as predetermined payment approval request information that can be transmitted from the bansa server 400 to a payment approval server provided at a card company / financial company corresponding to the card information.

Thereafter, the post-approval processing unit 445 transmits payment approval request information including at least one unauthorized payment history to predetermined communication means (eg, the bansa server 400 and the payment approval server provided at each card company / financial company). Dedicated communication network for communication connection) characterized in that the transmission to the payment approval server provided in the card company / financial company corresponding to the card information.

According to an exemplary embodiment of the present invention, the post-approval processing unit 445 classifies at least one or more unauthorized payment details extracted from the storage medium 455 for each card company / financial company based on the card information, and selects a specific card company / Generates predetermined payment approval request information including at least one unauthorized payment details corresponding to a financial company, and transfers the generated payment approval request information to predetermined communication means (for example, the bansa server 400 and each card company / financial company). Dedicated communication network for connecting the payment approval server provided in the communication) to the payment approval server corresponding to the card company / financial company is preferably post-approval processing.

After the post-approval of the at least one unauthorized payment details included in the payment approval request information is processed by the payment approval server, the payment approval server performs the respective post-approval processing results on at least one unauthorized payment history. And generating predetermined payment approval information including the generated at least one post approval process result and transmitting the generated payment approval information to the bansa server 400.

When predetermined payment approval information including at least one post-approval processing result is received from the payment approval server, the information storage unit 430 stores each post-approval processing result included in the payment approval information in the storage medium ( In addition to the unauthorized payment history stored in (455) (or the card information included in the unauthorized payment history) characterized in that the storage.

5 is a view showing an unauthorized micropayment process according to an embodiment of the present invention.

In more detail, in Figure 5, the payment terminal 100 shown in Figure 1 generates a predetermined unauthorized payment request text (or payment approval request text) for the unauthorized small payment processing and transmits it through a predetermined communication network. Then, the Bansa server 400 on the unauthorized micropayment system shown in FIG. 4 displays a predetermined unauthorized condition through card information and payment amount information included in the unauthorized payment request text (or payment approval request text). This is a process of processing payment in a non-authorized manner corresponding to a full payment approval request (or a full payment approval request) by reading, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. Reference may be made to and / or modified to infer various implementation methods for the unauthorized micropayment processing process, but the technical features of the present invention are limited by this drawing. It is to be understood that the present invention is intended to cover all the inferred embodiments.

Hereinafter, in FIG. 5, the unauthorized small payment bansa server 400 shown in FIG. Is a full payment request. "

Referring to FIG. 5, when the bansa server 400 illustrated in FIG. 4 receives a predetermined unauthorized payment request message from the payment terminal 100 illustrated in FIG. 1 through a predetermined communication network (500), The bansa server 400 extracts card information and payment amount information merchant information from the received unauthorized payment request message (505), and reads the extracted payment amount information so that the unauthorized payment request amount is the unauthorized amount. It is checked whether a predetermined unauthorized small payment reference amount for payment processing is included (510).

According to an embodiment of the present invention, if the amount of the non-authorized payment settlement target amount is 30,000 won, the Bansa server 400 determines that the amount of payment-based payment information extracted from the unauthorized payment request message is the unauthorized small payment target amount. If the amount is less than or equal to 30,000 won, the payment amount is confirmed to be included in the amount of the unauthorized small payment target payment standard for the unauthorized small payment processing, and the unauthorized payment processing for the entire unauthorized payment request is possible. It is preferable to confirm that it is.

If the unauthorized payment request amount does not include a predetermined unauthorized small settlement reference amount for the unauthorized small settlement processing (515), the bansa server 400 includes the unauthorized small settlement reference amount error information. Generate a predetermined unauthorized payment error history (550); process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing text (555); The transmission terminal 100 is transmitted to the payment terminal 100 through 560, and in response thereto, the payment terminal 100 receives the payment processing telegram through the communication network, and the payment processing details included in the payment processing telegram (eg, The unauthorized payment error history) is extracted and displayed (and / or printed out) (565).

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (515), the bansa server 400 reads the extracted card information to make the unauthorized payment. It is checked whether the card information included in the request message is included in the unauthorized small payment BL (520).

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the non-authorized micropayment card includes a check card / debit card / cash card / financial account, due to lack of account balance or account balance Characterized in that it comprises at least one or more card number that can not be provided for the unauthorized small payment service, the unauthorized small payment of the card information contained in the full text of the unauthorized payment request received from the payment terminal 100 The entire unauthorized payment request including card information matching BL information is excluded from the processing of the unauthorized small payment. This is preferred.

According to the method of the present invention, the bansa server 400 corresponds to the card information extracted from the full text of the unauthorized payment request and the card corresponding to the unauthorized micropayment BL information provided in the unauthorized condition D / B 450. The card information corresponding to the extracted card information and the card information corresponding to the unauthorized micropayment BL information included in the unauthorized condition D / B 450 are not matched with each other. It is desirable to confirm that unauthorized payment processing for the full text is possible.

If the card information included in the unauthorized payment request message is included in the unauthorized micropayment BL (525), the bansa server 400 is a predetermined unauthorized payment error including the unauthorized micropayment BL error information. Generating details (550), and processing the unauthorized payment error details as the payment processing details to generate a predetermined payment processing text (555), and the payment terminal full text through the communication network to the payment terminal (100) In response thereto, the payment terminal 100 receives the payment processing message through the communication network, and receives the payment processing details (for example, unauthorized payment error details) included in the payment processing message. Extract and display (and / or print output) (565).

If the card information included in the unauthorized payment request message is not included in the unauthorized small payment BL (525), the bansa server 400 matches the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment details is read to determine whether the payment amount included in the entire unauthorized payment request exceeds a predetermined unauthorized payment amount (530).

According to the implementation method of the present invention, the unacceptable micropayment limit information, the daily unacceptable micropayment limit amount for the unapproved micropayment target card, the weekly unacceptable micropayment limit amount, and the monthly unacceptable micropayment limit amount It characterized in that it comprises at least one, wherein the daily / week / monthly cumulative payment amount of the payment amount contained in the full text of the unauthorized payment request received from the payment terminal 100 at least of the unauthorized small payment limit amount In the case where more than one is exceeded, the full amount of the unauthorized payment request exceeding the unauthorized small settlement limit amount is preferably excluded from the unauthorized small settlement processing object.

According to the method of the present invention, the bansa server 400 is linked to the storage medium 455 to store the unauthorized payment history through the card information extracted from the full unauthorized payment request to the card information Confirm the corresponding at least one daily / weekly / monthly unauthorized payment history, and add the payment amount information extracted from the entire unauthorized payment request and at least one payment amount information included in the confirmed unauthorized payment details; It is preferable to calculate the daily cumulative payment amount, the weekly cumulative payment amount, the monthly cumulative payment amount, and the at least one calculated daily / weekly / monthly cumulative payment amount and the draw provided in the disqualified condition D / B 450. Compare the daily, weekly and monthly unapproved micropayment limit amount included in the micropayment limit amount information to It is preferable to make the payment is approved.

According to the method of the present invention, when the unapproved micropayment limit amount information included in the unapproved condition D / B 450 includes a daily unacceptable micropayment limit amount, the bansa server 400 is disapproved. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the payment request text, and the unauthorized payment request text A cumulative payment amount based on the current date is calculated by adding the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment details, and calculating the cumulative payment amount based on the calculated current date and the disapproval condition. It is preferable to compare the daily unauthorized small settlement limit amount included in the unauthorized small settlement limit amount information provided in the D / B 450, and the calculated If in Japan based on the cumulative payment amount is less than the amount of the daily museung micropayments limit, the baensa server 400, it is preferable to determine that the one museung the payment processing for the payment request, the professional museung possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 450 includes the weekly unpaid micropayment limit amount, the bansa server 400 is extracted from the full text of the unauthorized payment request. Check the weekly unauthorized payment history for the current day corresponding to the card information in association with the storage medium 455 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the weekly payment amount for the week for the current day, and the weekly payment for the week for the calculated current day. Comparison of the amount and the amount of the weekly micropayment limit included in the unauthorized micropayment limit amount information included in the disapproval condition D / B 450 Preferably, if the cumulative weekly payment amount for the week is less than the weekly unpaid micropayment limit amount, the bansa server 400 is the unauthorized payment processing for the full text of the unauthorized payment request It is desirable to confirm that it is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 450 includes monthly unapproved micropayment limit amount information, the bansa server 400 is extracted from the full text of the unauthorized payment request. Confirms the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment history through the card information, and completes the unauthorized payment request Compute the monthly cumulative payment amount for the current month based on the sum of the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment history, and accumulates monthly for the calculated current month Comparing the settlement amount and the monthly unauthorized micro settlement limit amount included in the unauthorized micro settlement limit amount information included in the unauthorized condition D / B 450. Preferably, if the monthly cumulative payment amount is less than the monthly non-payment micropayment limit amount for the calculated current month, the bansa server 400 is capable of unauthorized payment processing for the full text of the unauthorized payment request It is preferable to confirm that it is.

If the cumulative payment amount including the payment amount included in the unauthorized payment request text exceeds the unauthorized small payment limit amount (535), the bansa server 400 is the unauthorized small payment limit amount error information Generate a predetermined unauthorized payment error history including a (550), and process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing full text (555), the generated payment processing full text The payment terminal 100 is transmitted through the communication network to the payment terminal 100 (560), and in response thereto, the payment terminal 100 receives the payment processing message through the communication network, and the payment processing details included in the payment processing message ( For example, the unauthorized payment error details) are extracted and displayed (and / or printed out) (565).

If the cumulative payment amount including the payment amount included in the unauthorized payment request text does not exceed the unauthorized small payment limit amount (535), the bansa server 400 through the extracted card information At least one unauthorized payment details matching the card information is counted to determine whether the cumulative unauthorized micropayment processing number corresponding to the card information exceeds a predetermined unauthorized micropayment limit (540).

According to the implementation method of the present invention, the unauthorized small payment number limit information, the daily unauthorized small payment number limit for the unauthorized small payment target card, the weekly small payment amount limit, the number of unapproved small payments per month limit Characterized in that it comprises at least one, the daily / weekly / monthly cumulative unapproved micropayment processing count for the unauthorized payment request full text (or payment approval request full text) received from the payment terminal 100 If at least one of the minimum micropayment limit is exceeded, it is preferable that the unauthorized payment request full text (or full payment approval request) exceeding the unauthorized small payment limit is excluded from the unauthorized micropayment processing. .

According to an embodiment of the present invention, the bansa server 400 corresponds to the card information in association with the storage medium 455 that stores the unauthorized payment details through card information extracted from the unauthorized payment request message. Check at least one daily / weekly / monthly unauthorized payment history, and count the counted daily / weekly / monthly unauthorized payment history to count the total number of daily unapproved micropayments corresponding to the card information; It is preferable to calculate the number of weekly cumulative micropayments and the number of monthly unpaid micropayments, and the calculated at least one daily / weekly / monthly unapproved micropayment processing count and the disapproved condition D / B. The unauthorized payment request is compared by comparing the daily / weekly / monthly unapproved micropayment limit included in the information of the unapproved micropayment limit provided in (450). To make the museung the payment is on the door are preferred.

According to the method of the present invention, when the unapproved micropayment limit information provided in the disapproved condition D / B 450 includes a daily non-approved micropayment limit, the bansa server 400 is the unapproved. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment details through the card information extracted from the payment request text, and the confirmed unauthorized payment By counting the details to calculate the cumulative unpaid micropayment processing frequency as of the current day, and the calculated cumulative unpaid micropayment processing frequency as of the current day and the number of unauthorized micropayments provided in the disapproved condition D / B (450) It is preferable to compare the daily non-approved micropayment limit included in the limit information, and the calculated unapproved micropayment number of times as of the current day is calculated. Is smaller than the limit number of times, the baensa server 400 is preferably found to be possible the museung the payment processing for the payment of the requested professional museung.

In addition, when the number of unauthorized small settlements included in the unauthorized condition D / B 450 includes the number of unauthorized small settlements per week, the bansa server 400 is extracted from the full unauthorized payment request. Confirm the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 455 which stores the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the cumulative weekly unpaid micropayment processing frequency for the week based on the current day, and the weekly cumulative unpaid micropayment processing count for the week based on the calculated current day and the disapproved condition D / B 450. It is preferable to compare the number of unapproved micropayments per week included in the information on the number of unapproved micropayments. If the number of unauthorized small payment processing is less than the limit of the number of unauthorized small payments per week, it is preferable that the bansa server 400 confirms that the unauthorized payment processing for the entire unauthorized payment request is possible.

In addition, if the unauthorized small payment number limit information provided in the unauthorized condition D / B (450) includes a monthly unauthorized small payment number limit, the bansa server 400 is extracted from the unauthorized payment request full text Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 455 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the monthly cumulative unpaid micropayment processing counts for the current month, and calculate the monthly cumulative unapproved micropayment processing counts and the disapproved condition D / B 450 for the current month. It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments provided, and the monthly cumulative disapproval for one month on the basis of the calculated current date. When the number of micropayments is less than the monthly non-payment limit, it is preferable that the bansa server 400 confirms that unauthorized payment processing for the entire unauthorized payment request is possible.

If the cumulative unauthorized micropayment processing count corresponding to the card information included in the unauthorized payment request text exceeds a predetermined unauthorized micropayment limit (545), the bansa server 400 determines the unauthorized micropayment. Generate a predetermined unauthorized payment error history including payment number limit error information (550), and process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing full text (555), the generation The payment processing full text is transmitted to the payment terminal 100 through the communication network (560), and correspondingly, the payment terminal 100 receives the payment processing text through the communication network and includes the payment processing text in the text message. The received payment processing details (eg, unauthorized payment error details) are extracted and displayed (and / or printed out) (565).

If the cumulative unauthorized micropayment processing times corresponding to the card information included in the unauthorized payment request message do not exceed a predetermined unauthorized micropayment limit (545), the bansa server 400 may approve the unauthorized approval. Generate a predetermined unauthorized payment details including card information and payment amount information and the merchant information extracted from the full payment request (570), the card information and payment amount information and merchants included in the unauthorized payment details The information is linked and stored in a predetermined storage medium 455 (575).

According to the method of the present invention, the bansa server 400 generates a predetermined unauthorized code (or temporary authorization code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized approval code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 400 is included in the unauthorized payment details. The non-approved code (or unauthorized approval code) (not shown) may be further stored in the storage medium 455 to the card information, payment amount information, and merchant information.

In addition, the bansa server 400 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information and merchant information; It is preferable to further include the generated unauthorized payment date and time information (not shown), and correspondingly, the bansa server 400 draws the card information, payment amount information, and merchant information included in the unauthorized payment details. It is preferable that the payment date information (not shown) is further linked and stored in the storage medium 455.

In addition, the bansa server 400 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated card company information (or payment approval server information) (not shown) in the unauthorized payment details including, and in response thereto, the bansa server 400 is included in the unauthorized payment details. The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 455.

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

Subsequently, the bansa server 400 processes the unauthorized payment details as payment processing details for the unauthorized payment request text to generate a predetermined payment processing text (580), and generates the generated payment processing text for the communication network. The transmission terminal 100 is transmitted to the payment terminal 100 through 560, and in response thereto, the payment terminal 100 receives the payment processing telegram through the communication network, and the payment processing details included in the payment processing telegram (eg, The unauthorized payment details) are extracted and displayed (and / or printed out) (565).

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

In more detail, in FIG. 6, the card information, payment amount information, and affiliated store are stored in a predetermined storage medium 455 in the Bansa server 400 shown in FIG. 4 through the unauthorized micropayment process shown in FIG. After storing the unauthorized payment history including the information, the bansa server 400 to process the post-approval for the unauthorized payment history periodically, the general knowledge in the technical field to which the present invention belongs Those having the same will be able to infer various implementation methods for the post-approval process for the unauthorized payment details by referring to and / or modifying the drawing 6, but the technical features of the present invention are limited to the drawing 6 It is to be understood that the present invention includes all implementation methods deduced.

For example, although FIG. 6 illustrates at least one unauthorized payment history extracted from the storage medium 455 as a post-approval process classified by card company / financial company, the present invention is illustrated in FIG. It is not limited to the implemented method.

Hereinafter, in FIG. 6, the unauthorized small payment bansa server 400 shown in FIG. 4 is referred to as a "bansa server 400" for convenience.

Referring to FIG. 6, the bansa server 400 illustrated in FIG. 4 may use the card information, payment amount information, and merchant information in a predetermined storage medium 455 through an unauthorized micropayment process illustrated in FIG. 5. After storing the unauthorized payment history including a, and periodically extracts at least one unauthorized payment history from the storage medium 455 through the payment approval server provided in the card company / financial company (600), the extracted At least one unauthorized payment history is classified by each card company / financial company (or payment approval server) based on the card information (or card company information) (605), and classified by the card company / financial company (or payment approval server). In operation 610, predetermined payment approval request information including at least one unauthorized payment details is generated.

If predetermined payment approval request information including at least one unauthorized payment details is generated (615), the bansa server 400 for each card company / financial company by the classified payment approval request information through a predetermined communication means The payment approval server, which transmits the payment approval request information to the payment approval server 620 and receives the payment approval request information, performs a post-approval procedure on at least one unauthorized payment details included in the payment approval request information (625).

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

Thereafter, the payment approval server generates respective post-approval processing results for at least one or more unauthorized payment details (630), and generates predetermined payment approval information including the generated at least one post-approval processing result. In operation 635, the generated payment approval information is transmitted to the bansa server 400 through the communication means.

Thereafter, the bansa server 400 extracts at least one post-approval processing result from the received payment approval information, and adds the extracted post-approval processing result to each unauthorized payment details (or the unauthorized payment details). The card information included in the link processing) is stored in the storage medium 455 (645).

According to the exemplary embodiment of the present invention, the post-approval procedure for the unauthorized payment details may be repeatedly performed for all the unauthorized payment details that are not approved among the unauthorized payment details stored in the storage medium 455. (650).

7 is a diagram illustrating a functional configuration of a payment request server 700 having an unauthorized micropayment function according to an embodiment of the present invention.

In more detail, Figure 7 is an unauthorized (or post-approval, batch approval, or batch approval) professional processing in connection with at least one payment terminal 765 (or card terminal) provided in a predetermined large discount mart or department store, etc. As an embodiment of a payment request server 700 (or a local server) having a non-approved micropayment function to provide a fast non-payment micropayment service through, having a general knowledge in the art If it grows up, it is possible to infer the functional configuration of the various payment request server 700 for the unauthorized micropayment service by referring to and / or modifying this figure 7, but the technical features of the present invention is limited by this figure Rather, it is to be understood that the inference includes all implementation methods.

According to an embodiment of the present invention, the payment request server 700 may include at least one payment terminal 765 (or card terminal) and a predetermined local area network (eg, a local area network) provided in a predetermined large discount store or department store. Network), receiving at least one or more card information and payment amount information from at least one or more payment terminals 765 (or card terminals) connected to the communication device, and receiving the card information for the unauthorized micropayment service. Reads the payment amount information and checks whether the unauthorized micropayment processing is possible, and if the unauthorized micropayment processing is possible, a predetermined unauthorized payment request message including the received card information, payment amount information, and merchant information; (Or full payment approval request) is generated and transmitted to a predetermined unauthorized small payment bansa server 400 through a predetermined communication network. It characterized.

Referring to FIG. 7, the payment request server 700 having the unauthorized micropayment function for the unauthorized micropayment service uses a CAT / POS through a local area network (eg, a local area network). Receives card information and payment amount information from at least one or more payment terminals 765 (or card terminals), and includes a predetermined payment corresponding to the unauthorized micropayment process to the payment terminal 765 (or card terminal). And an interface unit 705 for connecting and managing a communication channel for transmitting the processing details.

The interface unit 705 may be a TCP / IP based communication protocol, an IPX / SPX (Internetwork Packet eXchange / Sequenced Packet eXchange) based communication protocol, or an ITU-T No.7 based communication protocol, or an ITU-T recommended X series. And connecting and managing a communication channel for transmitting and receiving information (or data) with at least one payment terminal 765 (or card terminal) through a local area network including at least one communication protocol including a communication protocol. It is desirable to block the communication network from being directly exposed to the external communication network.

According to an embodiment of the present invention, the interface unit 705 may include a packet control function for receiving at least one or more information (or data) transmitted from a plurality of payment terminals 765 (or card terminals), and a plurality of payments. It is preferable to have a packet control function for transmitting at least one or more information (or data) to the terminal 765 (or card terminal).

According to an embodiment of the present invention, in order to connect the communication channel to the payment request server 700 through the interface unit 705, the payment terminal 765 (or a card terminal) corresponding to the communication protocol may be short-range. It is desirable to have a communication function for communication.

Referring to FIG. 7, the payment request server 700 having the unauthorized micropayment function for the unauthorized micropayment service includes at least one payment terminal 765 (or a card) in association with the interface unit 705. Terminal) information receiving unit 710 for receiving card information read from a predetermined customer card, payment amount information input from a predetermined key input means (or barcode reader, RFID reader), and a predetermined unauthorized small payment bansa When a payment processing message including a predetermined payment processing history is received from a server, the payment processing history included in the payment processing message is transmitted to the payment terminal 765 (or a card terminal) in association with the interface unit 705. And an information transmission unit 715.

The predetermined payment terminal 765 (or card terminal) reads predetermined card information from the customer card through a predetermined card reader, and uses the customer card through a predetermined key input means (or barcode reader or RFID reader). After inputting a payment amount for requesting payment processing, if the card information and payment amount information are transmitted through the local area network, the information receiving unit 710 is connected to the interface unit 705 and the payment terminal 765. (Or a card terminal) characterized in that receiving the card information and payment amount information transmitted.

According to an embodiment of the present invention, the information receiving unit 710 further receives the payment terminal 765 (or card terminal) information in addition to the card information and the payment amount information, or the payment terminal 765 (or the card terminal). It is preferable to further receive the operator information for operating), whereby the present invention is not limited.

When a payment processing full message including a predetermined payment processing history is received from a predetermined unauthorized small payment bansa server, the information transmission unit 715 receives a payment including a predetermined payment approval history or a payment error detail from the payment processing text. Extract the processing history, and transmit the payment processing history to the payment terminal 765 (or card terminal) in association with the interface unit 705, and then the payment terminal 765 (or card terminal) ) Displays or prints out the received payment processing details.

Referring to FIG. 7, the payment request server 700 having the unauthorized small settlement function for the unauthorized small settlement service includes at least one unauthorized small settlement target card information corresponding to the unauthorized small settlement service object. Card information D / B 760 for storing the information, or interworking with a predetermined DB server having the card information D / B 760, or corresponding to the unauthorized micropayment service object. If an unauthorized payment request full text (or payment approval request full text) including the predetermined unauthorized small payment target card information is generated, the unauthorized payment request full text (or payment approval) including the unauthorized small payment target card information is generated. The server information D / B 755 storing the bansa server 400 information to be transmitted, or interworking with a predetermined DB server having the server information D / B 755. And a gong.

The card information D / B 760 may store at least one or more unauthorized small settlement target card information corresponding to the unauthorized small settlement service object.

Here, the unauthorized small payment target card information is read from at least one or more cards through the payment terminal 765 (or a card terminal), and among the card numbers included in the card information received through the information receiving unit 710. It is preferable that the card issuer identification number corresponding to the unauthorized small payment target card and a card number (or a part of the card number) for identifying the card type are included.

For example, when the card information received from at least one payment terminal 765 (or card terminal) through the information receiving unit 710 includes a 16-digit credit card number or a check card number, the unauthorized small payment subject Card information preferably comprises the card issuer identification number and card type of the 16-digit card number, or the first four digits (or the first six digits) including the card issuer identification number or card type. The card information received through the information receiving unit 710 may be included in the unauthorized payment service.

According to another exemplary embodiment of the present invention, when the unauthorized small payment service is made for all cards, storing of the unauthorized small payment target card information in the card information D / B 760 may be omitted. The present invention is not limited by this.

When the server information D / B 755 generates an unauthorized payment request message (or payment approval request message) that includes predetermined unauthorized small payment target card information corresponding to the unauthorized small payment service object, It is preferable to store the Bansa server 400 information to transmit the unauthorized payment request full text (or payment approval request full text) through the communication network.

Here, the Bansa server 400 receiving the unauthorized payment request full text (or payment approval request full text) including the unauthorized small payment target card information receives the conventional payment approval request full text in addition to the post approval-based unauthorized small payment. And it is preferable that the bansa to be treated and other unauthorized small payment bansa provided.

According to another exemplary embodiment of the present invention, the bansa server 400 that receives the unauthorized payment request message (or payment approval request message) including the unauthorized small payment target card information may be added to the non-approved small payment after the post approval. It is possible to be provided in the bansa, such as bansa for receiving and processing the conventional payment approval request full text, or provided with the unauthorized small payment function in the bansa server 400 for receiving and processing the conventional payment approval request full text, Thereby, this invention is not limited.

Referring to FIG. 7, when the payment request server 700 having the unauthorized small settlement function for the unauthorized small settlement service receives predetermined card information and payment amount information through the information receiving unit 710, Card information received from the payment terminal 765 (or card terminal) by comparing the card information received through the information receiving unit 710 with the unauthorized small payment target card information stored in the card information D / B (760) Card confirmation unit 720 for confirming whether is included in the unauthorized small payment target card, and the amount confirmation unit for confirming whether the payment amount information received through the information receiving unit 710 is included in the unauthorized small payment target payment amount 725 and the unauthorized payment for the micropayment processing in the payment mode corresponding to the card information and / or the payment amount according to the check result of the card confirmation unit 720 and / or the amount confirmation unit 725. small Or a mode setting unit 730 for setting (or switching) to a payment function or setting (or switching) the payment mode to an electronic payment mode for a conventional electronic payment process, wherein the payment mode Is an actual operation mode corresponding to the card information and / or payment amount, or a virtual operation mode defining a payment function corresponding to the card information and / or payment amount according to the card information confirmation and / or payment amount confirmation It comprises at least one.

When predetermined card information is received through the information receiving unit 710, the card checking unit 720 disapproves of the card information received through the information receiving unit 710 in the card information D / B 760. Extract the comparable card information (for example, a part of the card number) that can be compared with the micro payment target card information, and the unauthorized small payment target card stored in the extracted comparison target card information and the card information D / B 760. By comparing the information, it is characterized in that whether the card information received through the information receiving unit 710 is included in the unauthorized small payment target card.

According to an embodiment of the present invention, when the card information received through the information receiving unit 710 includes a 16-digit credit card number or a check card number, the card checking unit 720 is the card of the 16-digit card number Extract card information including the issuer identification number and the card type or the first four digit number (or the first six digit number) including the card issuer identification number or the card type, and extract the card issuer identification number and card type, Alternatively, the card information received through the information receiving unit 710 is compared to the non-authorized micro payment target card by comparing the card issuer identification number or the non-authorized micro payment target card information corresponding to the card type with the comparison target card information. It is desirable to verify that it is included.

When predetermined payment amount information is received through the information receiving unit 710, the amount checking unit 725 determines whether the payment amount is included in an unauthorized small payment target payment reference amount for the unauthorized small payment processing. It is characterized by.

According to an embodiment of the present invention, if the amount of the non-authorized micro payment target amount is 30,000 won, the amount confirming unit 725 determines that the predetermined amount of payment received through the information receiving unit 710 is the non-authorized micro payment target payment. If it is less than or equal to the standard amount of 30,000 won, it is confirmed that the payment amount is included in the payment threshold amount for unauthorized small settlement for the unauthorized small settlement processing, and if it is larger than the 30,000 won, the unauthorized small settlement processing It is desirable to confirm that it does not fall within the amount of the payment threshold for unauthorized payment.

If the card check unit 720 confirms that the card information received through the information receiving unit 710 is included in the unauthorized small payment target card, the mode setting unit 730 corresponds to the card information. Set (or switch) the payment mode to the unauthorized micropayment function for the unauthorized micropayment processing, and the communication processing unit 750 transmits and receives the payment related professional transmission and reception with the unauthorized micropayment bansa server. It means to set the communication channel for connecting.

On the other hand, if it is confirmed that the card information is not included in the unauthorized small payment target card, the payment mode corresponding to the card information is set (or switched) to the electronic payment mode for the conventional electronic payment processing, This means that the communication processing unit 750 is configured to connect a communication channel for transmission and reception of payment-related professional cards with the card company approved bansa server.

Alternatively, when it is confirmed that the payment amount received through the information receiving unit 710 is included in the unauthorized payment amount based on the payment, the mode setting unit 730 determines that the mode setting unit 730 Set (or switch) the payment mode corresponding to the payment amount to the unauthorized micropayment function for the unauthorized micropayment processing, and this means that the communication processing unit 750 pays with the unauthorized micropayment bansa server. It means to set the communication channel for related professional transmission and reception.

On the other hand, if it is determined that the payment amount is not included in the unauthorized payment amount, the payment standard amount is set (or switched) to the electronic payment mode for the conventional electronic payment processing, the payment mode corresponding to the payment amount This means that the communication processing unit 750 is configured to connect a communication channel for transmitting / receiving a professional-related payment with the card company approved bansa server.

Or, the card information received through the information receiving unit 710 as a result of the confirmation of the card confirmation unit 720 is included in the unauthorized payment card, the result of the confirmation of the amount confirmation unit 725 the information receiving unit ( When it is determined that the payment amount received through the payment method 710 is included in the payment threshold amount of the unauthorized payment, the mode setting unit 730 sets the payment mode corresponding to the card information and the payment amount. Set (or switch) to an unauthorized micropayment function for processing, which is configured by the communication processing unit 750 to connect the unauthorized micropayment bansa server to a communication channel for professional transmission and reception of payment. it means.

On the other hand, if not, the payment mode corresponding to the card information and the payment amount is set (or switched) to the electronic payment mode for the conventional electronic payment processing, which is the communication processing unit 750 the card company approved bansa This means that the communication channel is set up to connect a server and a payment related professional transmission and reception.

Referring to FIG. 7, the payment request server 700 is provided with at least one bansa server 400 provided with at least one bansa through a predetermined communication network in order to provide an unauthorized micropayment service according to the present invention. Characterized in that it comprises a communication processing unit 750 for connecting a communication channel for the related professional transmission and reception.

The communication processor 750 includes at least one wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, xDSL-based communication network) or a public switched telephone network (PSTN). A bansa server through a wired communication network, a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one or more IEEE 802.16x based wireless communication networks. 400) and a communication channel for transmission and reception of a payment related professional, and a modem or a network interface card (NIC) for connecting the payment request server 700 to a predetermined wired or wireless network in hardware. It is made, including, the communication for the software to connect the payment request server 700 to the wired and wireless network It comprises a protocol and / or the driver.

According to the present invention, the communication processing unit 750 connects a communication channel for transmitting and receiving at least one or more payment related professional communication between the payment request server and the micro payment bansa server approved by a predetermined card company through a predetermined communication network, or It is characterized by consisting of a multi-communication channel connection function for connecting a communication channel for at least one payment related professional transmission and reception between the card company approved Bansa server.

Referring to FIG. 7, the payment request server 700 is a payment mode of the payment request server 700 by the mode setting unit 730 in order to provide an unauthorized small payment service according to the present invention. When it is set (or switched) to the unauthorized micropayment function for the small micropayment processing, a professional generation unit 735 for generating the unauthorized payment request full text (or payment approval request full text) for the unauthorized micropayment processing; The professional transmission unit 740 for transmitting the generated unauthorized payment request message (or payment approval request message) to the unauthorized small payment bansa server on the communication network through the communication processing unit 750, and the communication processing unit 750. It characterized in that it comprises a specialized receiving unit 410 for receiving a payment approval message including the payment processing history corresponding to the payment approval request full text from the bansa server 400 on the communication network through Shall be.

When the payment mode of the payment request server 700 is set (or switched) to an unauthorized micropayment function for the unauthorized micropayment processing by the mode setting unit 730, the full text generation unit 735 is configured to perform the payment. Generating an unauthorized payment request message (or payment approval request message) including at least one or more card information received through the information receiving unit 710, a payment amount, and merchant information provided with the payment request server 700; And provides the generated unauthorized payment request message (or payment approval request message) to the expert transmission unit 740.

According to one embodiment of the present invention, the full text generation unit 735 is the card information and payment amount received through the information receiving unit 710 as shown in Figure 8 for the unauthorized small payment processing, and the Preferably, the payment request server 700 generates an unauthorized payment request message including at least one or more merchant information provided, and the unauthorized payment request message is authorized through the specialized transmission unit 740. It is preferably transmitted to the unauthorized micropayment bansa server on the communication network providing the service.

According to another exemplary embodiment of the present invention, the full text generation unit 735 generates a conventional payment approval request full text for the non-approval micropayment processing, and the full text approval approval request is generated through the full text transmission unit 740. It is preferable to be transmitted to the unauthorized micropayment bansa server on the communication network providing the unauthorized micropayment service.

The specialized transmission unit 740 provides the unauthorized small payment service through the communication processing unit 750 to the unauthorized payment request full text (or payment approval request full text) generated by the professional generation unit 735. Characterized in that the transmission to the unauthorized small payment bansa server on the communication network.

According to the implementation method of the present invention, when the unauthorized payment request full text (or payment approval request full text) is generated for the unauthorized micropayment processing by the full text generation unit 735, the full text transmission unit 740 Extracting the Bansa server 400 information corresponding to the unauthorized small payment bansa server from the server information D / B (755), and the communication network corresponding to the Bansa server 400 information through the communication processing unit 750 It is preferable to transmit the unauthorized payment request full text (or payment approval request full text) to the unauthorized small payment bansa server.

Here, the unauthorized small payment bansa server is made, including a server provided in the unauthorized small payment dedicated bansa to perform the unauthorized small payment process for providing the unauthorized small payment service, or in the conventional bansa It is preferable to include a bansa server 400 having a server provided to provide a small amount payment service, or the conventional micro payment with the unauthorized small payment processing function.

According to an embodiment of the present invention, the unauthorized payment request full text (or payment approval request full text) is received through the communication network to the unauthorized small payment bansa server, and then performs the unauthorized small payment procedure according to the present invention. Afterwards, the unauthorized small payment bansa server generates a predetermined payment processing full text including a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the unauthorized payment processing result. It transmits to the payment request server 700 through a communication network.

After the unauthorized payment request message (or payment approval request message) is transmitted to the unauthorized small payment bansa server through the specialized transmission unit 740, the specialized reception unit 745 is transmitted through the communication processing unit 750. Periodically (or the full text of the communication processing unit 750) whether a payment processing message including the payment processing history corresponding to the unauthorized payment request message (or payment approval request message) is received from the unauthorized small payment bansa server on the communication network. In response to a reception event).

If a payment processing message including a payment processing history corresponding to the unauthorized payment request message (or payment approval request message) is received through the communication processing unit 750, the specialized receiving unit 745 receives the payment processing message. After receiving and providing to the information transmission unit 715, the information transmission unit 715 in connection with the interface unit 705, the payment processing details (for example, payment approval details, or payments included in the full payment processing) Error history) to the payment terminal 765 (or card terminal), and the payment terminal 765 (or card terminal) is characterized in that the screen output or print out the payment processing details. Thereby the unauthorized micropayment procedure for the unauthorized micropayment service is completed.

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

In more detail, FIG. 8 illustrates an unauthorized payment request specialized structure generated for the unauthorized micropayment processing in the payment request server 700 illustrated in FIG. 7, and specifically, the payment request server illustrated in FIG. 7. If the card information read from the customer card at 700 includes credit card information, it is for an unauthorized payment request specialized structure created for the unauthorized micropayment processing based on the credit card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8, and each card information (e.g., check card information, debit card information, prepaid card information, etc.) as intended by those skilled in the art. In response to this, it would be possible to infer various unauthorized payment request specialized structures for the unauthorized micropayment process, but the present invention includes all the implementation methods inferred above, and this unauthorized payment request specialized structure is illustrated in FIG. It is by no means limited to.

Referring to FIG. 8, the unauthorized payment request full text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And after the terminating character, further comprising a checksum (CRC-CCITT) for the specialized information.

The unauthorized payment request text includes transaction classification items related to the credit card payment (eg, unauthorized payment small payment request, unauthorized unauthorized payment small payment cancellation, etc.) and payment request server 700 shown in FIG. Payment means obtained from a predetermined card through a Terminal_ID item corresponding to the merchant (or an affiliated store provided with the payment request server 700), a POS Entry Mode item, and a card reader provided at the payment request server 700. Credit card information obtained from a TRACK II Data item corresponding to the information (for example, a primary account number (PAN) area of the TRACK II of the MS card, additional data (AD) and / or a discrete data (DD) area, or an IC card). Credit card information obtained from the credit card file), and after the predetermined file separator (File Separator, 0X1C), the installment months and total amount items and service charge items corresponding to the credit card payment information And it should also comprise the Working Key Index entry and password entries, journal entries, and serial number, product code entries.

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

9 is a diagram illustrating an operation process of a payment request server 700 for an unauthorized micropayment process according to an embodiment of the present invention.

In more detail, FIG. 9 is a process of providing a fast unauthorized micropayment service through the non-approval (or post-approval, batch approval, or batch approval) specialized processing in the payment request server 700 shown in FIG. For those of ordinary skill in the art to which the present invention pertains, various operation processes of the payment request server 700 for the unauthorized micropayment service can be inferred by referring to and / or modifying the drawing 9. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

For example, in FIG. 9, at least one or more payment terminals 765 (or card terminals) provided in the affiliated store in the payment request server 700 shown in FIG. Although it is illustrated by receiving the amount information, confirming that the card information is included in the unauthorized small payment target card information, and confirming that the payment amount includes the unauthorized small payment reference amount, the present invention is thereby described. The implementation method of the present invention is not limited thereto, and the order of the unauthorized small payment target card information confirmation and the unauthorized small payment reference amount confirmation process may be changed, and the present invention is not limited thereto.

Hereinafter, in FIG. 9, the payment request server 700 illustrated in FIG. 7 is referred to as a “server” for convenience.

Referring to FIG. 9, the server shown in FIG. 7 receives predetermined card information and payment amount information from at least one or more payment terminals 765 (or card terminals) provided in the affiliated store through a predetermined local area network. Confirm (900).

If predetermined card information and payment amount information are received from the payment terminal 765 (or card terminal) (905), the server reads the received card information to perform the micro payment processing in which the card information is the unauthorized payment. Check whether it includes the unauthorized small payment target card information (910).

According to an embodiment of the present invention, the server may compare with the unauthorized small payment target card information stored in the card information D / B 760 of the card information received from the payment terminal 765 (or card terminal). The card reader is extracted by extracting comparison target card information (for example, a part of a card number) and comparing the extracted comparison target card information with the unauthorized small payment target card information stored in the card information D / B 760. It is preferable to check whether the card information read through is included in the unauthorized small payment target card information.

For example, when the card information received from the payment terminal 765 (or the card terminal) includes a 16-digit credit card number or a check card number, the server issues the card issuer identification number and card type among the 16-digit card numbers. Or extracting the target card information including the first four digit number (or first six digit number) including the card issuer identification number or the card type, and the card issuer identification number and card type, or the card issuer identification number. It is preferable to check whether the card information read through the card reader is included in the unauthorized small settlement target card information by comparing the unauthorized small settlement target card information corresponding to the card type.

If the received card information is not included in the unauthorized small payment target card information for the unauthorized small payment processing (915), the server conventionally sets the payment mode for the card information and / or the payment amount. Set (or switch) to an electronic payment mode (920), generate a predetermined payment approval request text including the card information, payment amount information and merchant information (925), and generate the predetermined payment approval request text It transmits to the bansa server 400 performing the conventional electronic payment procedure through the communication network (930).

Persons having ordinary knowledge in the technical field to which the present invention belongs may be familiar with technical features of performing a conventional electronic payment procedure through the payment approval request message in the bansa server 400 having received the payment approval request message. Therefore, detailed description thereof will be omitted for convenience.

On the other hand, if the read card information is included in the unauthorized small payment target card information for the unauthorized small payment processing (915), the server reads the received payment amount information and the payment amount is disapproved. Verify that it includes the micropayment threshold (935).

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

If the input payment amount does not include an unauthorized small payment reference amount (940), the server sets (or switches) the payment mode for the card information and / or payment amount to a conventional electronic payment mode (920). ), A predetermined payment approval request message including the card information, payment amount information, and merchant information (925), and the generated payment approval request message is a bansa server for performing a conventional electronic payment procedure through a predetermined communication network And transmits to 400 (930).

Persons having ordinary knowledge in the technical field to which the present invention belongs may be familiar with technical features of performing a conventional electronic payment procedure through the payment approval request message in the bansa server 400 having received the payment approval request message. Therefore, detailed description thereof will be omitted for convenience.

On the other hand, if the inputted payment amount includes the unauthorized small payment reference amount (940), the server sets (or switches) the payment mode for the card information and / or payment amount to the small payment mode (945). Generate a predetermined unauthorized payment request message including the card information, payment amount information, and merchant information (950), and the generated unauthorized payment request message is transferred to the unauthorized small payment bansa server through a predetermined communication network; Transmit (955).

Here, the unauthorized small payment bansa server is made, including a server provided in the unauthorized small payment dedicated bansa to perform the unauthorized small payment process for providing the unauthorized small payment service, or in the conventional bansa It is preferable to include a bansa server 400 having a server provided to provide a small amount payment service, or the conventional micro payment with the unauthorized small payment processing function.

FIG. 10 is a diagram illustrating an unauthorized micropayment system configuration for an unauthorized micropayment process according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, the payment request server 700 illustrated in FIG. 7 generates a predetermined unauthorized payment request text (or payment approval request text) for the unauthorized small payment processing through a predetermined communication network. When transmitting, the Bansa server 1000 that has received the unauthorized payment request text (or payment approval request text) to the card company / financial company corresponding to the card information included in the unauthorized payment request text (or payment approval request text). As a system configuration for processing a payment corresponding to an unauthorized payment request text (or payment approval request text) based on a predetermined disapproval condition without being connected with a payment approval server provided in real time, Persons of ordinary skill in the art to which the invention pertains may refer to and / or modify this drawing 10 to obtain unauthorized micropayment for the unauthorized micropayment process. Various implementation methods for the system configuration may be inferred, but it is to be understood that the technical features of the present invention are not limited by the drawing 10 but include all the inferred implementation methods.

Hereinafter, in FIG. 10, an unauthorized micropayment bansa server providing the unauthorized micropayment processing function in connection with the payment server shown in FIG. 7 is referred to as a "bansa server 1000" for convenience.

The unauthorized micropayment system according to the embodiment of the present invention is provided at a predetermined affiliate store, and performs the unauthorized micropayment process in connection with at least one payment terminal 765 (or a card terminal) provided at the affiliate store. At least one payment request server 700 for generating a predetermined unauthorized payment request message (or payment approval request text) for transmission through a predetermined communication network, and an unauthorized payment request transmitted from the payment request server 700. A payment approval server provided to a card company / financial company corresponding to card information included in the unauthorized payment request message (or payment approval request message) by receiving and reading the full text (or payment approval request message) through a predetermined communication network; Instead of processing payment approval in real-time connection, it is possible to respond to the full text of unauthorized payment request (or full payment approval request) based on the predetermined disapproval condition. Provided with a baensa server 1000 for processing characterized by comprising.

As shown in FIG. 7, the payment request server 700 includes at least one CAT (Credit Authorization Terminal) provided at a predetermined affiliate store, or at least one POS (Point Of Sales) terminal having a payment function. Receives predetermined card information and payment amount information from a payment terminal 765 (or a card terminal), and the predetermined unauthorized payment for the unauthorized micropayment process including the card information, payment amount information, and the affiliated store information. The request message (or payment approval request message) is generated and transmitted through a predetermined communication network.

Referring to FIG. 10, the Bansa server 1000 for the unauthorized micropayment connection connects and manages a communication request channel for transmitting and receiving a payment related to a payment request server 700 provided at the affiliated store through a predetermined communication network. It characterized by comprising an interface unit 1005.

The interface unit 1005 includes at least one wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, xDSL-based communication network, etc.) or a wired communication network based on a public switched telephone network (PSTN). 7 through a wired communication network, a code division multiple access (CDMA) based wireless communication network, a high-speed downlink packet access (HSDPA) based wireless communication network, or a wireless communication network including at least one or more IEEE 802.16x based wireless communication networks. It is characterized in that the connection to the payment request server 700 and the communication channel for payment related professional transmission and reception, and the modem (Modem) for connecting the bansa server 1000 to a predetermined wired or wireless network in hardware or It includes a NIC (Network Interface Card), the software to connect the bansa server 1000 to the wired and wireless network. It comprises a communication protocol and / or a driver for recording.

Referring to FIG. 10, the Bansa server 1000 for the unauthorized micropayment processing may include at least one BL (Black List) corresponding to card information for which the unauthorized micropayment service cannot be provided. Store the unauthorized micropayment limit amount information including a limit amount for storing the micropayment BL information and / or providing the unauthorized micropayment service through a predetermined unauthorized micropayment target card; and And / or an unauthorized condition D / B for storing the unauthorized micropayment limit information including the unauthorized micropayment limit for providing the unauthorized micropayment service through a predetermined unauthorized micropayment target card (1050). ), Or in conjunction with a DB server having the unauthorized condition D / B (1050).

Here, the non-authorized micro payment BL information may include a delinquent payment amount based on the previous month / month, when the credit of the customer who received the non-authorized micro payment target card or the credit card for the non-authorized micro payment includes a credit card. If the credit limit is exceeded on the previous day or if the card for which the unauthorized small payment includes a check card / debit card / cash card / financial account, the unauthorized small payment service may be canceled for reasons such as insufficient account balance or account balance lockout. Characterized in that it comprises at least one or more card number that can not be provided, the unauthorized small amount of card information contained in the unauthorized payment request full text (or payment approval request full text) received from the payment request server 700 The unauthorized payment request text (or payment approval request text) including the card information matching the payment BL information may be a small amount of the unauthorized information. It is preferable to be excluded from the payment processing object.

In addition, the unauthorized micropayment limit amount information includes at least one daily non-payment micropayment limit amount, weekly non-approval micropayment limit amount, and monthly non-authorized micropayment limit amount for the unauthorized micropayment target card. Characterized in that the daily, weekly and monthly cumulative payment amount of the payment amount contained in the unauthorized payment request full text (or payment approval request full text) received from the payment request server 700, the unauthorized small payment amount In the case of exceeding at least one of the above, it is preferable that the unauthorized payment request full text (or payment approval request full text) exceeding the unauthorized small payment limit amount is excluded from the unauthorized small payment processing object.

In addition, the number of unauthorized micropayment limit information includes at least one daily non-authorized micropayment limit, weekly non-authorized micropayment limit, and monthly non-authorized micropayment limit for the unauthorized micropayment target card. Characterized in that, the daily / weekly / monthly cumulative unauthorized micropayment processing times for the unauthorized payment request full text (or payment approval request professional) received from the payment request server 700 limit the number of unauthorized small payments If at least one or more of the above, the unauthorized payment request full text (or payment approval request full text) that exceeds the number of unauthorized small payments is preferably excluded from the processing of the unauthorized small payment.

Referring to FIG. 10, the Bansa server 1000 for the unauthorized micropayment processing may be processed after the unauthorized micropayment process is normally processed through the unauthorized payment request message (or payment approval request message). Or a storage medium 1055 for storing predetermined unauthorized payment details in which card information and payment amount information and merchant information included in the full payment request message (or payment approval request text) are processed or the storage medium ( 1055) characterized in that the connection is made in conjunction with the DB server.

Referring to FIG. 10, the bansa server 1000 for the unauthorized micropayment processing may receive a predetermined unauthorized payment through a predetermined communication network from at least one or more payment request servers 700 in association with the interface unit 1005. Card information and payment amount information from the specialized receiving unit 1010 for receiving the request full text (or payment approval request full text) and the unauthorized payment request full text (or payment approval request full text) received through the professional receiving unit 1010; A draw stored in the unauthorized condition D / B 1050 through an information extracting unit 1015 for extracting merchant information and card information and payment amount information extracted from the unauthorized payment request message (or payment approval request message); Read the unauthorized micropayment BL information, and / or the unauthorized micropayment limit amount information, and / or the unauthorized micropayment limit information to read the entire unauthorized payment request (or full payment approval request). It is characterized in that it comprises an unauthorized confirmation unit 1020 for confirming whether the unauthorized payment processing for).

In the payment request server 700 shown in FIG. 7, the predetermined unauthorized payment request message (or payment approval request message) including predetermined card information, payment amount information, and the affiliated store information corresponding to the unauthorized small payment target card. If the transmission, the professional receiving unit 1010 is in connection with the interface unit 1005 the unauthorized payment request message (or payment approval request message) transmitted from at least one or more payment request server 700 via a predetermined communication network Characterized in that for receiving, and provides the received unauthorized payment request full text (or payment approval request full text) to the information extraction unit 1015.

When a predetermined payment request message (or payment approval request message) including the predetermined card information, payment amount information, and the affiliated store information corresponding to the unauthorized small payment target card is received through the specialized receiving unit 1010, The information extraction unit 1015 may extract the card information, payment amount information, and merchant information for the unauthorized micropayment processing from the received unauthorized payment request message (or payment approval request message).

When the card information and the payment amount information are extracted from the unauthorized payment request message (or payment approval request message) through the information extraction unit 1015, the unauthorized confirmation unit 1020 may determine the extracted payment amount information. Characterized in that the non-approved micropayment processing within the amount of the non-authorized micropayment target payment.

According to an embodiment of the present invention, if the amount of the non-authorized payment settlement target amount is 30,000 won, the unauthorized confirmation unit 1020 may determine that the payment amount information extracted from the unauthorized payment request text (or payment approval request text) is When the amount of payment is less than or equal to 30,000 won, which is the amount of payment for unauthorized payment, the payment amount is confirmed to be included in the amount of payment for unauthorized payment for the amount of unauthorized payment, and the request for unauthorized payment is made. It is desirable to confirm that unauthorized payment processing for the full text (or full payment approval request) is possible.

In addition, the unauthorized confirmation unit 1020 is a card information extracted from the unauthorized payment request full text (or payment approval request full text) and the unauthorized micropayment BL information provided in the unauthorized condition D / B (1050) In comparison, characterized in that whether or not the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text).

According to an exemplary embodiment of the present invention, a card corresponding to card information extracted from the unauthorized payment request message (or the payment approval request message) and the unauthorized small settlement BL information provided in the unauthorized condition D / B 1050 are provided. If the information does not match, the unauthorized confirmation unit 1020 preferably confirms that the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is possible.

In addition, the unauthorized confirmation unit 1020 is linked with the storage medium 1055 for storing the unauthorized payment details through the card information extracted from the unauthorized payment request full text (or payment approval request full text) Check the unauthorized payment details of at least one daily, weekly or monthly corresponding to the information, and the payment amount information extracted from the unauthorized payment request full text (or payment approval request full text) and included in the confirmed unauthorized payment details Computing daily cumulative payment amount, weekly cumulative payment amount, monthly cumulative payment amount by summing at least one or more payment amount information, wherein the calculated at least one daily, weekly and monthly cumulative payment amount and the disapproval condition By comparing the daily, weekly and monthly unapproved micropayment limit amount included in the D / B 1050, the unapproved micropayment limit amount information It characterized in that to determine museung the payment is for a group of specialized museung payment request (or specialized payment authorization request).

According to an exemplary embodiment of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 1050 includes a daily non-approved micropayment limit amount, the unauthorized confirming unit 1020 may In connection with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the unauthorized payment request full text (or payment approval request full text), the unauthorized payment details corresponding to the current card information are recorded. Calculate the cumulative payment amount as of the current day by combining the payment amount information extracted from the unauthorized payment request message (or the payment approval request message) with at least one payment amount information included in the confirmed unauthorized payment details; And the daily unapproved small amount included in the calculated cumulative payment amount based on the current date and the unauthorized small settlement limit amount information included in the disapproved condition D / B 1050. Preferably, the payment limit amount is compared, and when the calculated cumulative payment amount as of the current day is smaller than the daily unauthorized small payment limit amount, the unauthorized confirmation unit 1020 reads the unauthorized payment request message (or payment). It is desirable to confirm that unauthorized payment processing for the full approval request is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 1050 includes the weekly unpaid micropayment limit amount information, the unauthorized confirmation unit 1020 reads the unauthorized payment request message. Confirm the weekly unauthorized payment history for the current day corresponding to the card information in association with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And accumulate weekly information for one week as of the current day by summing payment amount information extracted from the unauthorized payment request message (or payment approval request message) and at least one payment amount information included in the confirmed unauthorized payment details. The amount of the payment is calculated, and the unpaid micropayment limit provided in the weekly cumulative payment amount and the disclaimer condition D / B 1050 for one week as of the calculated current date. It is preferable to compare the weekly unpaid micropayment limit amount included in the amount information, and if the cumulative weekly payment amount for the week is less than the weekly unpaid micropayment limit amount, the unauthorized confirmation unit ( 1020 preferably confirms that the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 1050 includes monthly unapproved micropayment limit amount information, the unauthorized confirmation unit 1020 reads the unauthorized payment request text. Check the monthly unauthorized payment history for the current month corresponding to the card information in association with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And accumulate monthly payments for one month as of the current day by summing payment amount information extracted from the unauthorized payment request message (or payment approval request message) and at least one payment amount information included in the confirmed unauthorized payment details. Calculate the amount, and set the monthly cumulative payment amount and the unauthorized micropayment limit amount provided in the disapproval condition D / B 1050 for the calculated current month. It is preferable to compare the monthly unpaid micropayment limit amount included in the present invention, and if the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the unauthorized confirmation unit 1020. It is preferable to confirm that the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is possible.

In addition, the unauthorized confirmation unit 1020 is linked with the storage medium 1055 for storing the unauthorized payment details through the card information extracted from the unauthorized payment request full text (or payment approval request full text) Check the at least one daily / weekly / monthly unauthorized payment history corresponding to the information, and count the counted daily / weekly / monthly unauthorized payment details to accumulate the daily accumulated unauthorized payment corresponding to the card information. And counting the number of times of processing, the amount of micropayments for the weekly cumulative disapproval, and the number of times of the micropayments for the monthly cumulative disapproval. By comparing the daily, weekly and monthly unapproved micropayment limit included in the condition D / B 1050, the unapproved micropayment limit It characterized in that to determine whether museung the settlement processing for the request professional (or professional payment authorization request).

According to an exemplary embodiment of the present invention, when the unauthorized micropayment limit information provided in the unauthorized condition D / B 1050 includes the daily non-approved micropayment limit, the unauthorized confirmation unit 1020 may perform the In connection with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the unauthorized payment request full text (or payment approval request full text), the unauthorized payment details corresponding to the current card information are recorded. Confirming and counting the confirmed unauthorized payment details to calculate the cumulative unauthorized micropayment processing count as of the current day, and calculating the cumulative unauthorized micropayment processing count as of the current date and the unauthorized condition D / B (1050). ), It is preferable to compare the daily non-authorized micropayment limit included in the information on the number of non-authorized micropayments included in the information. If the number of times less than the daily non-payment micropayment limit, the unauthorized confirmation unit 1020 preferably confirms that the unauthorized payment processing for the unauthorized payment request (or payment approval request) is possible. Do.

In addition, when the number of unapproved micropayments included in the unauthorized condition D / B 1050 includes the number of unapproved micropayments per week, the unauthorized confirmation unit 1020 may complete the unauthorized payment request. Confirm the weekly unauthorized payment history for the current day corresponding to the card information in association with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And counting the identified unauthorized payment details to calculate the number of weekly unpaid micropayments for the week for the current day, and the number of weekly unpaid micropayments for the week and the unapproved for the current day. It is preferable to compare the number of weekly unacceptable micropayments included in the information on the number of unacceptable micropayments included in the condition D / B 1050, and the calculated If the number of weekly unacceptable micropayments is less than the weekly unacceptable micropayment limit for one week, the disapproval confirmation unit 1020 draws on the disapproval payment request full text (or payment approval request full text). It is desirable to confirm that the payment processing is possible.

In addition, when the unauthorized small payment number limit information provided in the unauthorized condition D / B (1050) includes a monthly unauthorized small payment number limit, the unauthorized confirmation unit 1020 is the full approval of the unauthorized payment request Check the monthly unauthorized payment history for the current month corresponding to the card information in association with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the payment approval request text (or the full text of the payment approval request). And counting the confirmed unpaid payment details to calculate monthly cumulative unpaid micropayment processing counts for one month as of the current day, and monthly cumulative unauthorized micropayment processing counts for the current month and the unapproved bills. It is preferable to compare the number of monthly unapproved micropayments included in the information on the number of unapproved micropayments included in the condition D / B 1050, and the calculated current date. If the monthly cumulative unauthorized micropayment processing count is less than the monthly unauthorized micropayment limit during the month, the unauthorized confirmation unit 1020 disapproves the unauthorized payment request full text (or payment approval request full text). It is desirable to confirm that payment processing is possible.

Referring to FIG. 10, the bansa server 1000 for the unauthorized micropayment processing may receive unauthorized payment for the full text of the unauthorized payment request (or full payment approval request) as a result of the confirmation of the unauthorized confirmation unit 1020. If it is determined that the processing is possible, the payment processing for the unauthorized payment request text (or payment approval request text) is treated as virtually approved, and the unauthorized payment details including the card information, payment amount information, and merchant information are processed. And an information storage unit 1030 for generating the unauthorized processing unit 1025 and the unauthorized payment details in the storage medium 1055.

When it is confirmed that the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is possible, the unauthorized processing part 1025 may perform the unauthorized payment request full text ( Or an unauthorized payment details including the card information, payment amount information, and merchant information extracted from the payment approval request text), and the information storage unit 1030 is included in the unauthorized payment details. The card information, payment amount information, and affiliated store information may be stored in the storage medium 1055 by interworking.

According to the method of the present invention, the unauthorized processing unit 1025 generates a predetermined unauthorized code (or temporary approval code) (not shown) corresponding to the unauthorized processing, and the card information and payment amount information and Preferably, the generated unauthorized payment code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including merchant information, and the information storage unit 1030 is included in the unauthorized payment details. The unauthorized information (or unauthorized approval code) (not shown) may be further linked to the card information, payment amount information, and merchant information, and stored in the storage medium 1055.

In addition, the unauthorized processing unit 1025 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information, and merchant information. Preferably, the generated unauthorized payment date and time information (not shown) is further included, and the information storage unit 1030 is authorized to the card information, payment amount information, and merchant information included in the unauthorized payment details. Payment date information (not shown) may be further stored in the storage medium 1055 by further processing.

In addition, the unauthorized processing unit 1025 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and the card information, payment amount information, and merchant information. Preferably, the card company information (or payment approval server information) (not shown) is further included in the unauthorized payment details including, and the information storage unit 1030 includes the card included in the unauthorized payment details. The card company information (or payment approval server information) (not shown) may be further stored in the storage medium 1055 in connection with the information, payment amount information, and merchant information.

Those skilled in the art will be able to infer a variety of information configurations other than the information configuration for the unauthorized payment details described above, the present invention includes all the information configuration inferred Characterized in that made.

Referring to FIG. 10, if a predetermined unauthorized payment history is generated by the unauthorized processing unit 1025, the bansa server 1000 for the unauthorized micropayment processing generates the unauthorized payment details as the unauthorized payment. The full text generation unit 1035 for generating a predetermined payment processing text including the payment processing history in consideration of the payment processing history for the request text (or payment approval request text) and the interface unit 1005 in connection with the Characterized in that it comprises a specialized transmission unit 1040 for transmitting the generated payment processing full text to the payment request server 700.

When the predetermined unauthorized payment details are generated by the unauthorized processing unit 1025, the full text generation unit 1035 may display the unauthorized payment details generated by the unauthorized processing unit 1025. Or a payment processing history for a payment approval request message), and generates a predetermined payment processing message including the payment processing history.

On the other hand, if it is confirmed that the unauthorized payment processing for the unauthorized payment request full text (or payment approval request full text) is not possible, the professional generation unit 1035 is the unauthorized. Characterized by the confirmation unit 1020, characterized in that for generating a predetermined payment processing text including the details of the unauthorized payment error.

When a predetermined payment processing text is generated by the text generation unit 1035, the text transmission unit 1040 links the generated payment processing text via the communication network in connection with the interface unit 1005 to the payment request server. Characterized in that the transmission to the 700, the payment request server 700 receiving the payment processing full text provides the payment processing details included in the payment processing full text to the payment terminal 765 (or card terminal) The payment terminal 765 (or card terminal) is characterized in that the screen display and / or print out the payment processing details.

Referring to FIG. 10, the bansa server 1000 for the unauthorized micropayment processing generates a predetermined unauthorized payment history by the unauthorized processing unit 1025 and the information storage unit 1030. After the unauthorized payment details are stored in the storage medium 1055, periodically, at least one or more unauthorized payment details stored in the storage medium 1055 are processed as payment approval request information to the card information through a predetermined communication means. It is characterized in that it comprises a post-approval processing unit 1045 for performing the post-approval process by transmitting to the payment approval server provided in the corresponding card company / financial company.

After the predetermined unauthorized payment details are generated by the unauthorized processing unit 1025, the unauthorized payment details are stored in the storage medium 1055 by the information storage unit 1030, and then the post approval processing unit ( 1045 periodically extracts at least one unauthorized payment details that have not been post-approved via a predetermined payment approval server among at least one unauthorized payment details stored in the storage medium 1055, and extracts at least one of the extracted at least one unauthorized payment details. The at least one unauthorized payment details may be processed by the bansa server 1000 as predetermined payment approval request information that can be transmitted to the payment approval server provided in the card company / financial company corresponding to the card information.

Thereafter, the post-approval processing unit 1045 transmits payment approval request information including at least one or more unauthorized payment details to predetermined communication means (eg, the bansa server 1000 and the payment approval server provided at each card company / financial company). Dedicated communication network for communication connection) characterized in that the transmission to the payment approval server provided in the card company / financial company corresponding to the card information.

According to the exemplary embodiment of the present invention, the post-approval processing unit 1045 divides at least one or more unauthorized payment details extracted from the storage medium 1055 by each card company / financial company based on the card information, and selects a specific card company / Generate predetermined payment approval request information including at least one unauthorized payment details corresponding to a financial company, and transfer the generated payment approval request information to predetermined communication means (eg, the bansa server 1000 and each card company / financial company). Dedicated communication network for connecting the payment approval server provided in the communication) to the payment approval server corresponding to the card company / financial company is preferably post-approval processing.

After the post-approval of the at least one unauthorized payment details included in the payment approval request information is processed by the payment approval server, the payment approval server performs the respective post-approval processing results on at least one unauthorized payment history. And generating predetermined payment approval information including the generated at least one post-approval processing result and transmitting the generated payment approval information to the bansa server 1000.

When predetermined payment approval information including at least one post-approval processing result is received from the payment approval server, the information storage unit 1030 stores each post-approval processing result included in the payment approval information in the storage medium ( In addition to the unauthorized payment history stored in 1055 (or in conjunction with the card information included in the unauthorized payment history) characterized in that the storage.

11 is a view showing an unauthorized micropayment treatment process according to another exemplary embodiment of the present invention.

In more detail, in FIG. 11, the payment request server 700 shown in FIG. 7 generates a predetermined unauthorized payment request text (or payment approval request text) for the unauthorized small payment processing through a predetermined communication network. When the transmission is performed, a predetermined unauthorized condition is obtained through the card information and the payment amount information included in the unauthorized payment request message (or payment approval request message) in the Bansa server 1000 on the unauthorized small payment system shown in FIG. This is about the process of payment processing in a non-approved method for payment corresponding to the full unauthorized payment request (or full payment approval request) by reading this, if the person skilled in the art to which the present invention pertains, this figure 11 By referring to and / or modified may be inferred various implementation methods for the unauthorized micropayment processing process, the technical features of the present invention is shown in FIG. Rather than being limited to, bayida put out that that includes all the embodiments in which the inference method.

Hereinafter, in FIG. 11, the unauthorized small payment bansa server shown in FIG. 10 is referred to as "bansa server 1000" for convenience, and the unauthorized payment request text (or payment approval request text) is referred to as "unauthorized payment request" for convenience. Full text. "

Referring to FIG. 11, a predetermined disapproval including card information and payment amount information received from a payment terminal 765 (or a card terminal) provided in the affiliated store in the payment request server 700 shown in FIG. When the payment request message is generated and transmitted, the Bansa server 1000 shown in FIG. 10 receives the unauthorized payment request message through a predetermined communication network (1100), and the card information is received from the received unauthorized payment request message. And extract payment amount information merchant information (1105), and read the extracted payment amount information to check whether the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing; (1110).

According to an embodiment of the present invention, if the non-authorized micropayment target payment amount is 30,000 won, the Bansa server 1000 determines that the non-authorized micropayment payment standard amount is the payment amount information extracted from the full unauthorized payment request. If the amount is less than or equal to 30,000 won, the payment amount is confirmed to be included in the amount of the unauthorized small payment target payment standard for the unauthorized small payment processing, and the unauthorized payment processing for the entire unauthorized payment request is possible. It is preferable to confirm that it is.

If the unauthorized payment request amount does not include a predetermined unauthorized small settlement reference amount for the unauthorized small settlement processing (1115), the bansa server 1000 includes the unauthorized small settlement reference amount error information. Generate a predetermined unauthorized payment error history (1150), process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing message (1155), and generate the generated payment processing message in the communication network; The payment request server 700 is transmitted to the payment request server 700 through 1160. In response thereto, the payment request server 700 receives the payment processing text message through the communication network, and the payment processing history included in the payment processing text message ( For example, the unauthorized payment error details) are provided to the payment terminal 765 (or card terminal) provided in the affiliated store (1165), and the payment terminal 765 provided with the payment processing details (also Card terminal) is output screen (and / or print output) to the payment processing history

If the unauthorized payment request amount includes a predetermined unauthorized small payment reference amount for the unauthorized small payment processing (1115), the bansa server 1000 reads the extracted card information to make the unauthorized payment. In operation 1120, the card information included in the request message is included in the unauthorized micropayment BL.

According to the implementation method of the present invention, the unauthorized small payment BL information, if the credit card of the customer who issued the unauthorized small payment target card, or if the unauthorized small payment target card includes a credit card, Overdue settlement of the current month or exceeding the credit limit of the previous day, or if the non-authorized micropayment card includes a check card / debit card / cash card / financial account, due to lack of account balance or lock account balance It characterized in that it comprises at least one or more card number that can not be provided for the unauthorized payment service, the unauthorized micropayment of the card information included in the unauthorized payment request message received from the payment request server 700 The full text of the unauthorized payment request including the card information matching the BL information is excluded from the processing of the unauthorized small payment. It is desirable.

According to the method of the present invention, the bansa server 1000 is a card corresponding to the card information extracted from the full unauthorized payment request and the unauthorized small payment BL information provided in the unauthorized condition D / B (1050) If the card information corresponding to the extracted information and the card information corresponding to the unauthorized micropayment BL information included in the unauthorized condition D / B 1050 do not match, the unauthorized payment is confirmed. It is desirable to confirm that unauthorized payment processing for the entire request is possible.

If the card information included in the full unauthorized payment request is included in the unauthorized small payment BL (1125), the bansa server 1000 is a predetermined unauthorized payment error including the unauthorized small settlement BL error information. Generating details (1150), processing the unauthorized payment error details as the payment processing details to generate a predetermined payment processing message (1155), and generating the generated payment processing message through the communication network through the payment request server ( 700, and in response thereto, the payment request server 700 receives the payment processing message through the communication network, and the payment processing details (eg, unauthorized payment error details) included in the payment processing message. ) Is provided to the payment terminal 765 (or card terminal) provided in the merchant (1165), and the payment terminal 765 (or card terminal) provided with the payment processing details screens the payment processing details. The force (and / or printout)

If the card information included in the unauthorized payment request message is not included in the unauthorized small payment BL (1125), the bansa server 1000 matches the card information through the extracted card information and payment amount information. The payment amount included in the at least one unauthorized payment details is read to determine whether the payment amount included in the full amount of the unauthorized payment request exceeds a predetermined unauthorized payment amount (1130).

According to the implementation method of the present invention, the unacceptable micropayment limit information, the daily unacceptable micropayment limit amount for the unapproved micropayment target card, the weekly unacceptable micropayment limit amount, and the monthly unacceptable micropayment limit amount It characterized in that it comprises at least one, wherein the daily, weekly and monthly cumulative payment amount of the payment amount contained in the unauthorized payment request message received from the payment request server 700 of the unauthorized small payment limit amount If more than one or more, the full amount of the unauthorized payment request that exceeds the unauthorized small payment amount is preferably excluded from the unauthorized small payment processing.

According to an embodiment of the present invention, the bansa server 1000 corresponds to the card information in association with the storage medium 1055 storing the unauthorized payment details through card information extracted from the full text of the unauthorized payment request. Confirm at least one daily / weekly / monthly unauthorized payment history, and add the payment amount information extracted from the unauthorized payment request text and the at least one payment amount information included in the confirmed unauthorized payment details on a daily basis; It is preferable to calculate the cumulative payment amount, the cumulative payment amount per week, and the monthly cumulative payment amount, and the at least one calculated daily / weekly / monthly cumulative payment amount and the disapproval provided in the disapproval condition D / B 1050. Compare the daily, weekly and monthly unapproved micropayment limit amount included in the micropayment limit information for the full text of the unauthorized payment request. It is desirable to confirm whether unauthorized payment is processed.

According to the method of the present invention, when the unapproved micropayment limit amount information included in the non-approved condition D / B 1050 includes a daily non-approved micropayment limit amount, the bansa server 1000 is disapproved. Check the unauthorized payment details based on the current date corresponding to the card information in association with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the payment request full text, and the unauthorized payment request text A cumulative payment amount based on the current date is calculated by adding the payment amount information extracted from the at least one payment amount information included in the confirmed unauthorized payment details, and calculating the cumulative payment amount based on the calculated current date and the disapproval condition. It is preferable to compare the daily unapproved micropayment limit amount included in the unapproved micropayment limit amount information included in the D / B 1050. If the current date based on the cumulative payment amount is less than the amount of the daily museung micropayments limit, the baensa server 1000 is preferably determined that the possible museung the payment processing for the payment request, the professional museung.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 1050 includes the unapproved micropayment limit amount per week, the bansa server 1000 is extracted from the full text of the unauthorized payment request. Check the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 1055 storing the unauthorized payment details through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the weekly payment amount for the week for the current day, and the weekly payment for the week for the calculated current day. The amount of the non-authorized micropayment limit amount included in the non-authorized micropayment limit amount information included in the non-approval condition D / B 1050 is not included. Preferably, if the cumulative weekly payment amount is less than the weekly unacceptable micropayment limit amount for one week, the bansa server 1000 is an unauthorized payment process for the full text of the unauthorized payment request. It is desirable to confirm that is possible.

In addition, when the unapproved micropayment limit amount information included in the unauthorized condition D / B 1050 includes monthly unapproved micropayment limit amount information, the bansa server 1000 is extracted from the full text of the unauthorized payment request. Check the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 1055 storing the unauthorized payment history through the card information, and from the full text of the unauthorized payment request The sum of the extracted payment amount information and at least one payment amount information included in the confirmed unauthorized payment details is calculated to calculate the monthly cumulative payment amount for the current month, and the monthly cumulative payment for the calculated current month. Comparing the amount of money and the amount of monthly unapproved micropayment limit included in the unauthorized micropayment limit amount information included in the unauthorized condition D / B 1050 Preferably, when the monthly cumulative payment amount is less than the monthly unpaid micropayment limit amount for the calculated current month, the bansa server 1000 is capable of unauthorized payment processing for the full text of the unauthorized payment request. It is preferable to confirm with

If the cumulative settlement amount including the settlement amount included in the unauthorized payment request text exceeds the unauthorized small settlement limit amount (1135), the bansa server 1000 may receive the unauthorized small settlement limit amount error information. Generate a predetermined unauthorized payment error history, including (1150), and process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing full text (1155), the generated payment processing full text The payment request server 700 is transmitted to the payment request server 700 through the communication network (1160). In response, the payment request server 700 receives the payment processing message through the communication network, and the payment processing included in the payment processing message is included. The payment terminal 765 provides the details (for example, unauthorized payment error details) to the payment terminal 765 (or a card terminal) provided in the affiliated store (1165), and the payment terminal provided with the payment processing details (765). (Or card terminal) outputs (and / or prints) the payment processing details.

If the cumulative settlement amount including the settlement amount included in the unauthorized payment request message does not exceed the unauthorized small settlement limit amount (1135), the bansa server 1000 may be configured to display the extracted card information through the extracted card information. At least one unauthorized payment details matched with the card information is counted to determine whether the cumulative unauthorized small settlement processing number corresponding to the card information exceeds a predetermined unauthorized small settlement number limit (1140).

According to the implementation method of the present invention, the unaccepted micropayment limit information, the daily unaccepted micropayment limit for the unapproved micropayment target card, the number of weekly unacceptable micropayments, the number of monthly unacceptable micropayments Characterized in that it comprises at least one, and the daily / week / monthly cumulative unauthorized payment for the unauthorized payment request full text (or payment approval request professional) received from the payment request server 700 If at least one of the number of unauthorized small payments is exceeded, it is desirable that the unauthorized payment request text (or payment approval request text) exceeding the number of unauthorized small payments is excluded from the processing of the unauthorized small payment. Do.

According to an embodiment of the present invention, the bansa server 1000 corresponds to the card information in association with the storage medium 1055 storing the unauthorized payment details through card information extracted from the full text of the unauthorized payment request. Check at least one daily / weekly / monthly unauthorized payment history, and count the confirmed daily / weekly / monthly unauthorized payment history to count the daily cumulative unauthorized micropayments corresponding to the card information; It is preferable to calculate the number of weekly cumulative micropayments and the number of monthly unpaid micropayments, and the calculated at least one daily / weekly / monthly unapproved micropayment processing count and the disapproved condition D / B. The unauthorized payment request is compared by comparing the daily / weekly / monthly unauthorized micropayment limit included in the information on the number of unauthorized micropayments provided in step 1050. It is advisable to check the unauthorized payment process for the full text.

According to an exemplary embodiment of the present invention, when the unauthorized small payment number limit information provided in the unauthorized condition D / B 1050 includes the daily unauthorized small payment number limit, the bansa server 1000 is the unauthorized. Check the unauthorized payment details based on the current date corresponding to the card information in connection with the storage medium 1055 storing the unauthorized payment details through the card information extracted from the full payment request, and the confirmed unauthorized payment By counting the details to calculate the cumulative unpaid micropayment processing frequency as of the current day, the calculated cumulative unpaid micropayment processing frequency as of the current day and the number of unauthorized micropayments provided in the disapproved condition D / B (1050) It is preferable to compare the daily non-approval micropayment limit included in the limit information, and the cumulative non-approval micropayment processing count based on the calculated current date is the non-approval daily If a smaller number of payment limit, the baensa server 1000 is preferably determined that the possible museung the payment processing for the payment request, the professional museung.

In addition, if the unauthorized small settlement number limit information provided in the unauthorized condition D / B (1050) includes the number of weekly unauthorized small settlement number, the bansa server 1000 is extracted from the unauthorized payment request full text Confirm the weekly unauthorized payment history for the current week corresponding to the card information in association with the storage medium 1055 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the cumulative weekly unpaid micropayment processing frequency for a week based on the current day, and the weekly cumulative unpaid micropayment processing count for the week based on the calculated current day and the disapproved condition D / B (1050). It is preferable to compare the weekly unaccepted micropayment limit included in the information on the number of unaccepted micropayments, and for each week for one week. Ever museung of small payments when the processing number is smaller than the limit number of times for week museung of micropayments, the baensa server 1000 is preferably determined that the possible museung the payment processing for the payment request, the professional museung.

In addition, if the unauthorized small payment number limit information provided in the unauthorized condition D / B (1050) includes a monthly unauthorized small payment number limit, the bansa server 1000 is extracted from the full unauthorized payment request Confirms the monthly unauthorized payment history for the current month corresponding to the card information in connection with the storage medium 1055 storing the unauthorized payment history through the card information, and the confirmed unauthorized payment history To calculate the monthly cumulative unauthorized micropayment processing count for the current month, and the monthly cumulative unauthorized micropayment processing count for the current month, and the unauthorized condition D / B (1050). It is preferable to compare the monthly unapproved micropayment limit included in the information on the number of unapproved micropayments. If micropayments processing number is smaller than the monthly museung of micropayments count limit, the baensa server 1000 is preferably determined that the possible museung the payment processing for the payment request, the professional museung.

If the cumulative unauthorized micropayment processing number corresponding to the card information included in the unauthorized payment request text exceeds a predetermined unauthorized micropayment limit (1145), the bansa server 1000 is configured to accept the unauthorized micropayment. Generate a predetermined unauthorized payment error history including payment limit error information (1150), and process the unauthorized payment error history as the payment processing history to generate a predetermined payment processing full text (1155), the generation The payment processing message is transmitted to the payment request server 700 through the communication network (1160), and in response, the payment request server 700 receives the payment processing message through the communication network, and the payment processing message The payment processing details (for example, unauthorized payment error details) included in the merchant to provide the payment terminal 765 (or card terminal) provided in the merchant (1165), and the payment processing details The received payment terminal 765 (or card terminal) displays (and / or prints) the payment processing details.

If the cumulative unauthorized micropayment processing number corresponding to the card information included in the unauthorized payment request message does not exceed a predetermined non-authorized micropayment limit (1145), the bansa server 1000 receives the unauthorized approval. Generate a predetermined unauthorized payment details including card information and payment amount information and the merchant information extracted from the full payment request (1170), and the card information and payment amount information and merchants included in the unauthorized payment details The information is linked and stored in the predetermined storage medium 1055 (1175).

According to the method of the present invention, the bansa server 1000 generates a predetermined unauthorized code (or unauthorized approval code) (not shown) corresponding to the unauthorized processing, and the card information, payment amount information, and affiliated store. Preferably, the generated unauthorized approval code (or unauthorized approval code) (not shown) is further included in the unauthorized payment details including information. In response thereto, the bansa server 1000 is included in the unauthorized payment details. The unauthorized information (or unauthorized approval code) (not shown) may be further linked to the card information, payment amount information, and merchant information, and stored in the storage medium 1055.

In addition, the bansa server 1000 generates predetermined unauthorized payment date and time information (not shown) corresponding to the unauthorized processing, and the unauthorized payment details including the card information, payment amount information and merchant information. It is preferable to further include the generated unauthorized payment date and time information (not shown), and correspondingly, the bansa server 1000 draws the card information, payment amount information, and merchant information included in the unauthorized payment details. It is preferable to further process the payment date and time information (not shown) in the storage medium 1055.

In addition, the bansa server 1000 generates card company information (or payment approval server information) (not shown) corresponding to the card information corresponding to the unauthorized processing, and generates the card information, payment amount information, and merchant information. It is preferable to further include the generated card company information (or payment approval server information) (not shown) in the unauthorized payment details including, and in response thereto, the bansa server 1000 is included in the unauthorized payment details. The card company information (or payment approval server information) (not shown) may be further linked to card information, payment amount information, and merchant information, and stored in the storage medium 1055.

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

Subsequently, the bansa server 1000 processes the unauthorized payment details as payment processing details for the unauthorized payment request text to generate a predetermined payment processing text (1180), and generates the generated payment processing text for the communication network. The payment request server 700 is transmitted to the payment request server 700 through 1160. In response thereto, the payment request server 700 receives the payment processing text message through the communication network, and the payment processing history included in the payment processing text message ( For example, the unauthorized payment details) are provided to the payment terminal 765 (or card terminal) provided in the merchant (1165), and the payment terminal 765 (or card terminal) provided with the payment processing details is Print (and / or print) payment details

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

In more detail, FIG. 12 shows the card information, the payment amount information, and the affiliated store in a predetermined storage medium 1055 in the Bansa server 1000 shown in FIG. 10 through the unauthorized micropayment process shown in FIG. After storing the unauthorized payment history including the information, the bansa server 1000 periodically processes the post-approval for the unauthorized payment history, the general knowledge in the technical field to which the present invention belongs If the person having this, the present invention may be deduced by referring to and / or modifying the drawing 12, and various implementation methods for the post-approval process for the unauthorized payment details, but the technical features of the present invention is limited by this drawing 12 It is to be understood that the present invention includes all implementation methods deduced.

For example, although FIG. 12 illustrates that at least one unauthorized payment history extracted from the storage medium 1055 is classified as a credit card company / financial company for post-approval processing, the method of the present invention is illustrated in FIG. 12. It is not limited to the implemented method.

Hereinafter, in FIG. 12, the unauthorized small payment bansa server shown in FIG. 10 is referred to as "bansa server 1000" for convenience.

Referring to FIG. 12, the bansa server 1000 illustrated in FIG. 10 may display the card information, the payment amount information, and the merchant information in a predetermined storage medium 1055 through an unauthorized micropayment processing process illustrated in FIG. 11. After storing the unauthorized payment history including a, periodically extracting at least one unauthorized payment history through the payment approval server provided in the card company / financial company from the storage medium (1055) (1200), the extracted At least one unauthorized payment history is classified by each card company / financial company (or payment approval server) based on the card information (or card company information) (1205), and classified by the card company / financial company (or payment approval server). In operation 1210, predetermined payment approval request information including at least one unauthorized payment details is generated.

If predetermined payment approval request information including at least one unauthorized payment details is generated (1215), the bansa server 1000 transmits the classified payment approval request information for each card company / financial company through a predetermined communication means. The payment approval server, which transmits the payment approval request information to the payment approval server (1220), performs a post-approval procedure on at least one or more unauthorized payment details included in the payment approval request information (1225).

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

Thereafter, the payment approval server generates each post-approval processing result for at least one or more unauthorized payment details (1230), and generates predetermined payment approval information including the generated at least one post-approval processing result. In operation 1240, the payment approval information is transmitted to the bansa server 1000 through the communication means.

Thereafter, the bansa server 1000 extracts at least one post-approval processing result from the received payment approval information, and adds the extracted post-approval processing result to each unauthorized payment details (or the unauthorized payment details). The card information included in the link information) is stored in the storage medium 1055 (1245).

According to the exemplary embodiment of the present invention, the post-approval procedure for the unauthorized payment details may be repeatedly performed for all the unauthorized payment details of the unauthorized payment details stored in the storage medium 1055. (1250).

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

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

Claims (8)

delete delete delete delete Separately setting a communication channel with a first server processing a card company unauthorized micropayment and a communication channel with a second server processing a card company approval target payment in a terminal device or a server; The terminal or server reads the card issuer and card type or payment amount information transmitted from each payment terminal (or card terminal) identified from the card number included in the card information to be processed. Determining whether the payment method or the credit card company approved payment method; And If the terminal device or the server determines that the payment method is a credit card unauthorized micropayment method, the mobile terminal transmits the full text of the unauthorized micropayment processing request through a communication channel with the first server, and the payment method is approved by the card company. In the case of a payment method, transmitting a full payment approval request message through a communication channel with the second server. If it is determined that the payment method is a credit card non-authorized micro payment method, the card company unauthorized micro payment object card is linked with a storage medium that stores information on the number of times of unauthorized micro payment for the card company unauthorized micro payment object card. Checking whether the number of unauthorized small payments exceeds the number of unauthorized small payments; The non-authorized micropayment professional processing method further comprises the step of confirming the payment method as a card company approved payment method when the number of unauthorized micropayments is exceeded. delete The method of claim 5, If the payment method is determined to be a card company unapproved micropayment method, the storage medium for storing the unapproved micropayment BL (Black List) information that can not process the unauthorized micropayment of the card information unapproved micropayment Confirming whether the card company unauthorized small settlement target card information matches the unauthorized small settlement BL information; And And confirming the payment method as a credit card company-approved payment method when it matches the unauthorized small payment BL information. delete

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