KR101106385B1 - Method for Printing Foreign Language Receipt, Settlement Terminal with Foreign Language Printing and Recording Medium - Google Patents

Abstract

The present invention relates to a foreign language receipt output terminal device and a method for outputting a foreign language receipt using the same, and a recording medium therefor. If it is confirmed that the card issued in a foreign country by checking the card information included in the received payment approval request full text, if the card issued in a foreign country, the output target language code (or Identifier) information, generating a payment approval result text including the identified output target language code (or identifier) and a card payment result, and transmitting the generated payment approval result text to the payment terminal for output. Processing to include.

Description

Terminal device for outputting foreign language receipts, method for outputting foreign language receipts using the same, and recording medium therefor {Method for Printing Foreign Language Receipt, Settlement Terminal with Foreign Language Printing and Recording Medium}

The present invention relates to a method for providing a foreign language receipt to a foreigner who has requested a payment through confirmation of a card number for a card used by a foreigner because it is difficult to confirm a correct payment result when a foreigner does not know Korean due to an increase in overseas tourists. will be.

With the development of science and technology, a large number of foreign tourists are flowing into Korea, and these foreign tourists are paying for the tourism through payment methods such as credit cards.

However, when these foreign tourists process payments for goods or services through a payment method such as a credit card in Korea, most foreign tourists cannot read the Hangul written on the receipt. For this reason, it is impossible to confirm accurate payment information.

An object of the present invention for solving the above problems, by reading the card number to check the country where the card was issued and output in the language of the country on the receipt, foreign tourists smoothly check the payment information To make it happen.

The present invention for solving the above problems, when the payment approval request is received from a payment terminal equipped with a foreign language receipt output function, check the card information contained in the received payment approval request full card issued in a foreign country Check whether the card is issued in a foreign country, and check the output target language code (or identifier) information corresponding to the foreign language, and confirm the output target language code (or identifier) and the card payment result. Generating a payment approval result full text including; and transmitting the generated payment approval result full text to the payment terminal for processing.

According to the present invention, due to the increase in the number of overseas tourists, if the foreigner does not know the Hangul, it is difficult to confirm the correct payment result, it is possible to provide a foreign language receipt to the foreigner who requested the payment by checking the card number for the card used by the foreigner There is an advantage.

In addition, by providing a foreign language receipt, there is an advantage in securing a sales competitiveness in securing a card payment affiliate center around the area where a lot of foreign tourists are looking.

1 is a diagram illustrating a configuration of an offline-based card payment system through an overseas issued card according to an embodiment of the present invention.
2 is a diagram illustrating a functional configuration of a payment terminal having a foreign language output-based card payment mode according to an embodiment of the present invention.
3 is a diagram illustrating an offline payment approval process through an overseas issued card according to an embodiment of the present invention.
4 is an exemplary diagram of a structure of a payment approval result full text according to an embodiment of the present invention.

In the foreign language receipt output method according to the present invention, if a payment approval request message is received from a payment terminal equipped with a foreign language receipt output function, check whether the card information included in the received payment approval request message is a card issued in a foreign country. Confirming, and if it is confirmed as a card issued in a foreign country, confirming the output target language code (or identifier) information corresponding to the foreign language, and including the confirmed output target language code (or identifier) and the card settlement result And generating a payment approval result full text and transmitting the generated payment approval result full text to the payment terminal for output.

In the foreign language receipt output method according to the present invention, if a payment approval request message is received from a payment terminal equipped with a foreign language receipt output function, check whether the card information included in the received payment approval request message is a card issued in a foreign country. The step of checking whether or not, comprises checking the BIN for the card number included in the full payment approval request, and checking whether the card is issued in a foreign country based on the checked BIN.

In the method for outputting a foreign language receipt according to the present invention, the card payment result may be a result included in the payment approval message received from the card company server by relaying the payment approval request message transmitted from the payment terminal to the card company server. It is done.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described foreign language receipt output method.

On the other hand, a payment terminal equipped with a card payment processing function and a function for outputting a receipt or slip corresponding to the card payment processing result according to the present invention, a receipt for the receipt or slip corresponding to the card payment processing function and the card payment processing result A memory confirmation unit for storing a basic form, a full text confirmation unit for confirming the output target language code (or identifier) information included in the full text of the payment approval result when the payment approval result message is received from the server processing the card payment; When it is confirmed that the payment approval result full-text language code (or identifier) information is included, the print output unit is configured to process the output to be combined with the receipt basic form stored in the memory unit.

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 the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. 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.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of an offline-based card payment system through an overseas issued card according to an embodiment of the present invention.

In more detail, FIG. 1 shows a payment from a payment terminal 145 shown in the following drawings when a payment process is made through a predetermined offline payment channel using an overseas card issued through the card issuing system shown in FIG. When the approval request information is received, the card information included in the received payment approval request text is confirmed, and the payment approval text corresponding to the payment approval request text is received from the card company server 140, the received payment approval text For an offline card payment system that provides a foreign language output function of the payment approval history for the foreign card issued to the payment terminal 145 to generate a payment approval result further includes an output target language code (or identifier) in the As a person of ordinary skill in the art to which the present invention pertains, the foreign issued card is referred to and / or modified with reference to FIG. Various implementation methods for offline card payment system configuration can be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 1, the offline card payment system through the overseas issued card, the payment terminal 145 provided in a predetermined offline affiliated store, and receives the full payment approval request from the payment terminal 145, the received After reading the card information included in the payment approval request text, and confirming whether the card is issued abroad, the payment approval message corresponding to the payment approval request text transmitted from the payment terminal 145 received from the card company server 140 The relay server 100 generates a payment approval result text including an output target language code (or an identifier) and transmits the full text to the payment terminal 145 and the payment approval request text transmitted from the payment terminal 145. Card company server that receives through the server 100, the payment approval processing corresponding to the received payment approval request full text, and transmits the payment approval text including the payment approval processing result It is characterized by comprising (140).

In FIG. 1, the relay server 100 on the offline card payment system through the overseas card is illustrated as a single server, but this is only an implementation method for effectively explaining the technical features of the present invention, and the relay server 100 At least one or more functional components constituting a) may be implemented through a plurality of servers (or devices), and the present invention is not limited thereto.

In addition, at least one or more functional components constituting the relay server 100 may be separately configured or integrated into at least a plurality of functional components, or may be provided on the card company server 140, whereby the present invention It is not limited.

The payment terminal 145 on the offline card payment system includes at least one or more card payment functions, such as a CAT (Credit Authorization Terminal) and / or a Point Of Sales (POS) terminal having a payment function. The card information may be read from the overseas card through at least one card reader, a payment amount is input through a predetermined key input device, and the card information, the payment amount, and the affiliated store information may be read. It characterized in that for generating the payment approval request message including the transmission to the relay server 100 through the communication network.

In addition, the relay server 100 on the offline card payment system, including the at least one or more servers provided in the relay agency (for example, bansa) to process the payment approval for the card issued abroad. Characterized in that, after receiving the payment approval request message from the payment terminal 145, after reading the card information included in the payment approval request message to confirm whether the card issued abroad, the payment approval details to be output in a foreign language It is characterized by processing.

In addition, the communication network connecting the payment terminal 145 and the relay server 100 in the offline card payment system, at least one or more between the payment terminal 145 and the relay server 100 based on at least one backbone network It characterized in that it comprises at least one bansa server (not shown) and wired and wireless communication network for relaying payment-related full text.

Those skilled in the art will be familiar with the technical features of the communication network connecting the technical features of the payment terminal 145 and the technical features of the conventional bansa server, card company server 140. Therefore, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the relay server 100 includes predetermined card information D / B 135 for storing the card information and language information in association with each other, or the card information D / B 135. It is preferable to interoperate with a predetermined DBMS (DataBase Management System) for operating a D / B server (not shown) including the card information D / B 135.

The card information includes BIN information (e.g., number information for the first six digits of a 16-digit credit card number) on at least one or more card numbers corresponding to a card that can be processed by a relay agency having the relay server 100. It is preferable to comprise.

For example, in a card including a 16-digit card number, the card information includes four-digit card issuer information, two-digit card type information, nine-digit serial number information, and one-digit check digit information. It is preferable to include the card issuing organization information of the seat, it is possible to further include information other than the card issuing organization information according to the intention and purpose of those skilled in the art.

The language information may include output target language code (or identifier) information for the card issued overseas, in order to process the payment authorization for the card issued overseas corresponding to the card information to be output in a foreign language.

For example, when the card information is a card issued in an English speaking country, the language information is preferably output target language code (or identifier) information corresponding to English.

Referring to FIG. 1, the relay server 100 includes an interface unit 105 (or interface means) for connecting and managing a communication channel for transmitting and receiving a payment related professional message with at least one payment terminal 145 through a communication network. A professional receiving unit 110 (or a professional receiving means) for receiving a payment approval request message including at least one or more card information, a payment amount, and merchant information from the payment terminal 145 in association with the interface unit 105; And a professional transmission unit 115 (or a professional transmission means) for transmitting a payment approval result text corresponding to the payment approval request text to the payment terminal 145 in association with the interface unit 105. It is done.

In addition, when the relay server 100 receives the full payment approval request message from the payment terminal 145, the relay server 100 transmits the received payment approval request message to the card company server 140 to request a card payment and the card company. A payment approval message is generated in which the server 140 processes the payment approval request message, and when the payment approval message is transmitted to the relay server 100, the specialized relay unit 120 (or a professional relay means) receiving the payment approval message is received. It is characterized by comprising.

In the payment terminal 145, the card information for the target card provided in the payment terminal 145 or the card payment request through the card reader connected to the payment terminal 145, and the card information and the payment amount and If a payment approval request message including the merchant information corresponding to the merchant having a payment terminal 145 is generated and transmitted through a communication network, the expert receiving unit 110 is connected to the interface unit 105 to approve the payment. It is desirable to receive the full request.

If the relay server 100 relays the payment approval request message transmitted from the payment terminal 145 to the card company server 140, the payment approval corresponding to the payment approval request message is transmitted from the card company server 140. After the procedure is completed, if a payment approval message corresponding to the payment approval processing result is received, the message transmission unit 115 generates a payment approval result message text including an output target language code (or identifier) on the received payment approval message. After confirming whether or not, the generated payment approval result is transmitted to the payment terminal 145.

Referring to FIG. 1, when the relay server 100 receives the full payment approval request message including at least one of card information, payment amount, and merchant information from the payment terminal 145 through the specialized reception unit 110, the relay server 100 receives the payment approval request message. , A professional confirmation for confirming an output target language code (or identifier) to be output on a card payment receipt (or a card payment slip) to be provided to a customer who requested a card payment based on the card information included in the received payment approval request text; The output target language code (or identifier) is confirmed on the basis of the card 125 included in the unit 125 (or full text verification means) and the full text of the payment approval request received from the payment terminal 145. Relay transmission to the card company server 140, and when the payment approval message is received from the card company server 140, the received payment approval message and the confirmed output target language code (or identifier) Characterized in that obtained by having a specialized generation unit 130 to generate that the payment approval results to specialized (or specialized generation means).

When a payment approval request message including at least one card information, a payment amount, and an affiliate store information is received from the payment terminal 145 through the specialized reception unit 110, the specialized confirmation unit 125 is the payment terminal 145. Check the card information included in the full payment approval request received from the), and the output target language code to be output on the card payment receipt (or card payment) to be provided to the customer who requested the card payment based on the confirmed card information. (Or identifier).

According to the implementation method of the present invention, the confirmation of the output language code (or identifier) to be output on the card payment receipt (or card payment text) to be provided to the customer who requested the card payment is included in the received payment approval request text. After confirming the card information matching the card information through the card information D / B (135), and confirms the stored language information in connection with the confirmed card information, the card payment receipt to provide to the customer requesting the payment (or It is preferable to confirm the output target language code (or identifier) to be output on the credit card.

According to another embodiment of the present invention, the confirmation of the output language code (or identifier) to be output on the card payment receipt (or the card payment text) to be provided to the customer who requested the card payment is included in the received payment approval request text. After reading some of the card information (e.g., BIN, etc.), the issuer who issued the card provided by the customer who requested the payment is confirmed, and after confirming the country where the card provided by the customer who requested the payment is issued, It is preferable to confirm the output target language code (or identifier) corresponding to the identified country in association with the card information D / B 135.

According to the exemplary embodiment of the present invention, the output target language code (or identifier) is received from the payment terminal 145 by a payment approval request full text, and by reading card information included in the received payment approval request full text, It is preferable to confirm the output target language code (or identifier).

According to another exemplary embodiment of the present invention, the output target language code (or identifier) is received from the payment terminal 145 payment approval request text, and relays the received payment approval request text to the card company server 140. The card company server 140 receives the payment approval message including the processing result of processing the payment approval request message, and reads the card information included in the received payment approval message, thereby outputting the language code. It is desirable to check (or identifier).

When the output target language code (or identifier) to be output on the card payment receipt (or card payment full text) to be provided to the customer who requested the card payment through the full text verification unit 125 is confirmed, the full text generation unit 130 The payment approval request message received from the payment terminal 145 is relayed and transmitted to the card company server 140, and when the payment approval message is received from the card company server 140, the received payment approval message and the confirmed output object. Characterized in that the full payment approval result further comprises a language code (or identifier).

According to the implementation method of the present invention, the payment approval result full text relays the payment approval request text received from the payment terminal 145 to the card company server 140 and transmits the full payment approval request message from the card company server 140. When the payment approval message including the processed result is received, it is preferable to generate the payment approval result message further including the confirmed output target language code (or identifier) in the received payment approval message.

2 is a diagram illustrating a functional configuration of a payment terminal 200 having a foreign language output-based card payment mode according to an embodiment of the present invention.

More specifically, Figure 2 relates to an embodiment of a payment terminal 200 having a foreign language output-based card payment mode for a foreign language output service for payment authorization using an overseas issued card, the present invention belongs to If one of ordinary skill in the art, it will be able to infer the configuration of the various payment terminal 200 functions for the foreign language output service for payment approval details using the card issued abroad, by referring to and / or modified in this figure 2. It is to be understood that the technical features of the present invention are not limited by this drawing 2 but include all the inferred implementation methods.

Referring to FIG. 2, a payment terminal 200 having a foreign language output-based card payment mode for a foreign language output service for payment authorization using an overseas issued card is basically a control unit 205, a memory unit 250, and a card. Supplying power to the reader unit 210, the key input unit 220, the screen output unit 215, the communication processing unit 230, the security application module 235, the print output unit 240 and the payment terminal 200. It comprises a power supply unit 225, and comprises at least one or more terminal functional unit (not shown) according to the intention of the skilled person.

The control unit 205 controls the overall operation of the payment terminal 200 in accordance with the function configuration, manages the flow of information or data between each component, payment for foreign language output technology for payment approval history using the card issued abroad Characterized in that interlocking and controlling at least one or more components provided in the terminal 200, at least one processor and execution memory (Central Processing Unit (CPU) / Micro Processing Unit (MPU)) For example, it comprises a register and / or RAM (Random Access Memory) and a bus (BUS) for inputting and outputting a predetermined data, and also in order to perform a function specific to the payment terminal 200 by software A predetermined program routine (Routine) which is loaded from the recording medium of the recording medium into the execution memory and is processed by the processor; Or program data (hence, a predetermined program recorded on a recording medium provided in the payment terminal 200 for a foreign language output technology for payment approval details using an overseas issued card, and / or the payment terminal 200). Among the functional components provided in the control unit 205, which can be processed by software, is shown in the control unit 205).

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

The memory unit 250 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 200 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and program data required for the control unit 205 to perform a predetermined control function (for example, data input or output for the program routine to perform a predetermined function) ) Is stored.

According to the implementation method of the present invention, the memory unit 250 provides the full text of the payment approval result received from the relay server to provide a foreign language output service for payment approval details using an overseas issued card through the payment terminal 200. It is preferable to store a receipt basic form for extracting the payment approval details contained in the combined receipt output basic format.

Customers who receive a foreign language output service for payment approval details using an overseas issued card according to the present invention through the payment terminal 200 are based on an ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, and / or ISO Have (or own) a contact IC card (or wireless IC chip) based on the / IEC 7816 standard, and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader 210 is characterized in that it provides an interface for reading at least one or more information or data provided in the card.

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

The MS reader unit is a card reader unit 210 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the payment terminal 200 from at least one or more tracks provided in the MS of the MS card using the loaded.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal 200.

The contactless IC reader part is a card reader part 210 based on ISO / IEC 14443. The contactless IC reader part uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 200.

According to an embodiment of the present invention, the card reader unit 210 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 210 for the electronic payment service defined in the payment terminal 200. Payment means information corresponding to a payment means including at least one credit card, debit card, debit card, cash card, financial account), and also payment approval history using an overseas issued card according to the present invention It is preferable to read predetermined card information from at least one or more cards for the foreign language output service for the.

According to an embodiment of the present invention, the card information preferably comprises at least one of a card number, an expiration date, and a card verification code (CVC) for a card used for card payment.

The key input unit 220 is provided with at least one key button including at least one number key and / or character key and / or function key. Information (or on) from the key input device of the key input device, and controlled by the controller 205) in the specific input mode and / or operation mode of the payment terminal 200. Generating predetermined key events corresponding to the information (or on) and providing the generated key events to the control unit 205 if predetermined information (or on K input) is received from a predetermined key button. The controller 205 acquires predetermined key data corresponding to the key event in the current input mode and / or the operation mode of the payment terminal 200, and / or is matched with the key event and defined. To execute a given function It is characterized by obtaining a command. The key input device 220 having the key input unit 220 and at least one key button performs a function of a key input means provided in the at least one payment terminal 200.

The key input device interoperating with the key input unit 220 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 220 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one key input device for the electronic payment service defined in the payment terminal 200. It is preferable to perform the function of the key input means for receiving the input, and also the payment approval using the overseas issued card from the key input device for the foreign language output service for the payment approval details using the overseas issued card according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing a foreign language output service for the details.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 220 may use an overseas card according to the present invention in an initial mode and / or a general payment mode in an operation mode of the payment terminal 200. It is desirable to have a key button for switching to a foreign language output-based card payment mode for a foreign language output service for payment approval details.

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

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

According to a preferred embodiment of the present invention, the screen output unit 215 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 200 It is preferable to perform a function of an output means, and also for outputting a foreign language for payment approval details using an overseas issuance card according to the present invention, a foreign language output service for payment approval details using the overseas issuance card to the screen output device. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the providing step.

The communication processing unit 230 is a relay server and / or the payment terminal 200 and a predetermined cable connected through a communication network in the process of the payment terminal 200 performs a predetermined function (for example, electronic payment processing function). It provides a predetermined communication means for connecting a communication session with a terminal (or device) and / or the terminal (or device) connected to the payment terminal 200 via a predetermined short-range wireless communication connected via A network communication unit for connecting a predetermined communication channel with a relay server on a wired / wireless 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 at least A short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device with a predetermined communication session through one or more short range wireless communication means; It is made open, by software comprises a communication protocol and / or the driver for connecting the communication channel (or communication session).

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Modem for connecting a communication channel with a relay server on the wired or wireless network through a predetermined wireless network including a wireless data communication network, the modem for hardware to connect the payment terminal 200 to a predetermined wired or wireless network (Modem) Or a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the payment terminal 200 to the wired / wireless network.

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

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

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

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

The Secure Application Module (235) is a confidentiality and / or authentication required by the payment terminal 200 in the process of performing the electronic payment and / or electronic payment using the card. And / or a secure and reliable structure within the payment terminal 200 without using a certificate server (or relay server) on a network for security requirements including integrity and / or nonrepudiation. As a safety device for performing the operation, the payment terminal 200 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment and / or electronic payment function). A device that adds an authenticator that decrypts and prevents forgery (or tampering) of the message, or stores important information in the process of performing the security request function. It is characterized by performing the function.

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

In addition, the security application module 235 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 200 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit 240 may process the payment terminal 200 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data generated as a result (for example, payment processing result information or Data) to a predetermined printing device 245 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 245 in accordance with a predefined printing form. It is preferred to include a printing protocol and a driver.

In addition, the print output unit 240 receives a payment approval request text transmitted from the payment terminal 200, and outputs a target language code (or identifier) based on card information included in the received payment approval request text. Is confirmed, the payment approval request message is relayed to the card company server 285, and the payment approval message including the payment processing result corresponding to the payment approval request message is received from the card company server 285, and the received message is received. When the payment approval result text including the payment approval full text and the confirmed output target language code (or identifier) is received, the payment approval details included in the received payment approval result text are extracted, and the extracted payment approval history and It includes a print processing through the printing device 245 in combination with the receipt output base format corresponding to the receipt base form stored on the memory unit 250 It is preferable to lose.

Referring to FIG. 2, the payment terminal 200 provides a foreign language output service for payment approval details using an overseas issued card in accordance with the present invention. A mode checking unit 255 for confirming whether the foreign language output based card payment mode corresponding to the foreign language output service for the payment approval history is used; and the operation mode of the payment terminal 200 is the foreign language output based card payment mode. In this case, the card reader 210 reads and inputs predetermined card information for a foreign language output service for a payment authorization using the overseas issued card from the customer card, and / or inputs the key input unit 220. Output target language code for a foreign language output service for payment approval details using the overseas card issued from a predetermined key input means through (Or an identifier) information input and / or an output object for a foreign language output service for payment approval details using the overseas issued card from at least one terminal (or device) through the cable communication unit and / or the short range wireless communication unit. Payment including at least one information input unit 260 for extracting and inputting language code (or identifier) information, and foreign language output technology for payment approval details using the foreign card issued through the information input unit 260 A full text generation unit 265 for generating a full text of an approval request, a full text transmission unit 270 for transmitting the generated payment approval request full text to a relay server on a communication network through the communication processing unit 230, and the communication processing unit 230 Full payment approval result including payment processing details corresponding to the full payment approval request message from the relay server on the communication network And a professional processing unit 275 which receives and outputs the payment processing details included in the full payment approval result through the screen output unit 215 and / or prints the output through the print output unit 240. Characterized in that made.

In addition, when the payment approval result message is received from the relay server on the communication network in the specialized processing unit 275, it is determined whether the output target language code (or identifier) information included in the received payment approval result message is included. Characterized in that further comprises a professional confirmation unit 280.

The mode checking unit 255 outputs a foreign language for the payment approval history using the overseas issued card in the operation mode of the payment terminal 200 periodically (or in response to the foreign language output based card payment mode switch key event). It is characterized by checking whether the foreign language output-based card payment mode corresponding to the service.

If the check result is that the operation mode of the payment terminal 200 is not the foreign language output-based card payment mode, the payment terminal 200 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 200 When is confirmed as the foreign language output-based card payment mode, the mode check unit 255 outputs the foreign language output-based card payment mode check result through the screen output unit 215, and then provides to the information input unit 260. do.

The information input unit 260 is a customer card through the card reader 210 to process the electronic payment corresponding to the foreign language output-based card payment mode for the foreign language output service for the payment authorization using the overseas issued card It is characterized in that by reading the predetermined card information for the foreign language output service for the payment approval history using the issued card from abroad, the input card information is provided to the full text generation unit 265.

In addition, the information input unit 260 is predetermined through the key input unit 220 to process the electronic payment corresponding to the foreign language output-based card payment mode for the foreign language output service for the payment approval history using the overseas issued card. Inputting an output target language code (or identifier) information for a foreign language output service for payment authorization using the overseas issued card from a key input means of the Is provided to the full text generation unit 265.

In addition, the information input unit 260 is the cable communication unit and / or short-range wireless communication unit to process the electronic payment corresponding to the foreign language output-based card payment mode for the foreign language output service for the payment approval history using the overseas issued card. And extracting and outputting an output target language code (or identifier) information for a foreign language output service for payment authorization using the overseas issued card from at least one terminal (or device) through the inputted output. Target language code (or identifier) information is provided to the full text generation unit 265.

The full text generation unit 265 generates a full text of the payment approval request including at least one foreign language output technology for the payment approval history using the foreign card issued through the information input unit 260, The generated payment approval request text is provided to the specialized transmission unit 270.

The specialized transmission unit 270 is characterized in that for transmitting the payment approval request telegram generated by the professional generation unit 265 to the relay server on the communication network through the communication processing unit 230, corresponding to the relay The server performs a predetermined payment processing procedure for providing a foreign language output service for payment approval details using the overseas issued card through the payment approval request message, and then the payment approval details or payment errors corresponding to the payment processing result. When the payment processing history corresponding to any one of the details is generated, and a predetermined payment approval message including the payment processing history is generated and transmitted to the relay server shown in FIG. 1, the relay server receives the received payment approval. The payment terminal (20) generates a payment approval result further including a language code (or identifier) to be output on the full text and is transmitted through the communication network (20). Send to 0).

After the payment approval request message is transmitted to the relay server through the specialized transmission unit 270, the expert processing unit 275 transmits the payment approval request message from the relay server on the communication network through the communication processing unit 230. Periodically (or in response to the full text reception event of the communication processing unit 230), the full text of the payment approval result including the corresponding payment processing history is received.

If the payment approval result text including the payment processing details corresponding to the payment approval request text is received through the communication processor 230, the text processing part 275 may include the payment processing details included in the payment approval result text ( For example, the payment approval details or payment error details) may be output through the screen output unit 215 and / or by the print output through the print output unit 240. The electronic payment procedure for the foreign language printing service for the payment authorization using the card is completed.

Here, when a payment approval result text including a payment processing history corresponding to the payment approval request text is received through the communication processor 230, the text verification unit 280 is included in the received payment approval result text. Check whether the output target language code (or identifier) information is further included, and if it is confirmed that the checked output target language code (or identifier) information is included, the checked output target language code (or identifier) It is preferable to check the corresponding receipt basic form, and to process the received receipt approval form combined with the full text of the confirmed receipt basic form.

3 is a diagram illustrating an offline payment approval process through an overseas issued card according to an embodiment of the present invention.

In more detail, Figure 3 shows a foreign language output of payment authorization for the overseas issuing card in the relay server when the payment is processed using an offline payment channel corresponding to the offline card payment system shown in FIG. As an offline payment processing process that provides a function, those of ordinary skill in the art to which the present invention pertains, various implementations of the offline payment process through the overseas issued card by referring to and / or modifying the drawing 3 The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 3, when the payment terminal 200 on the offline card payment system shown in FIG. 3 generates the full payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the relay server (300). ), The relay server receives the full payment approval request message transmitted from the payment terminal 200, checks the output target language code (identifier) based on the card information included in the received payment approval request message (305) ), And relays the received payment approval request message to a card company server 285 to request payment for an overseas issued card (310), and correspondingly, the card company server 285 based on the payment approval request text is transmitted. The payment approval message including the payment processing and the payment processing result is generated (or extracted) (315), and the generated (or extracted) payment approval message is transmitted to the relay server (320).

According to the implementation method of the present invention, the confirmation of the output language code (or identifier) to be output on the card payment receipt (or card payment text) to be provided to the customer who requested the card payment is included in the received payment approval request text. After confirming the card information matching the card information through the card information D / B, and confirms the stored language information in connection with the confirmed card information, the card payment receipt (or card payment professional) to provide to the customer requesting the payment It is preferable to check the output language code (or identifier) to be output on the.

According to another embodiment of the present invention, the confirmation of the output language code (or identifier) to be output on the card payment receipt (or the card payment text) to be provided to the customer who requested the card payment is included in the received payment approval request text. After reading some of the card information (e.g., BIN, etc.), the issuer who issued the card provided by the customer who requested the payment is confirmed, and after confirming the country where the card provided by the customer who requested the payment is issued, It is preferable to confirm the output target language code (or identifier) corresponding to the identified country in association with the card information D / B.

According to the embodiment of the present invention, the output target language code (or identifier) is received from the payment terminal 200, the payment approval request full text, by reading the card information included in the received payment approval request full text, It is preferable to confirm the output target language code (or identifier).

According to another exemplary embodiment of the present invention, the output target language code (or identifier) is received from the payment terminal 200, a payment approval request text is received, and the received payment approval request text is relayed to the card company server 285. The card company server 285 receives the payment approval message including the processing result of processing the payment approval request message, and reads the card information included in the received payment approval message, thereby outputting the language code. It is desirable to check (or identifier).

Thereafter, the relay server receives the payment approval message transmitted from the card company server 285 and generates a payment approval result message based on the received payment approval message and the confirmed output target language code (or identifier) ( Or 325) and transmit to the payment terminal 200 (330). In response, the payment terminal 200 receives the full payment approval result transmitted from the relay server, and then receives the received payment. The basic form of the receipt is checked based on the output target language code (or identifier) included in the full text of the approval result (335).

According to the implementation method of the present invention, the payment approval result full text relays the payment approval request text received from the payment terminal 200 to the card company server 285 and transfers the payment approval request text from the card company server 285. When the payment approval message including the processed result is received, it is preferable to generate the payment approval result message further including the confirmed output target language code (or identifier) in the received payment approval message.

If the receipt basic form is not confirmed based on the output target language code (or identifier) included in the received payment approval result text (340), the payment terminal 200 is included in the received payment approval result text. The payment approval history is extracted and processed to be output in a basic language (eg, Korean, etc.) instead of a foreign language output function of the payment approval history for an overseas issued card.

On the other hand, when the receipt basic form is confirmed based on the output target language code (or identifier) included in the received payment approval result full text (340), the payment terminal 200 is included in the received payment approval result full text The payment approval history is extracted and processed to be output in combination with the confirmed receipt basic form (345).

4 is an exemplary diagram of a structure of a payment approval result full text according to an embodiment of the present invention.

In more detail, Figure 4 shows that after transmitting a payment approval request message from a payment terminal 200 such as a credit authorization terminal (CAT) to a relay server through a communication network, the relay server completes the payment approval request message. Relay transmission to the card company server 285, and in response to the payment approval message received from the card company server 285, the output confirmed to the received payment approval message based on the card information included in the payment approval request message When generating a payment approval result full text further including a target language code (or an identifier), the method of implementing the payment approval result full text structure is exemplified, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the drawings y can be inferred various methods of implementation of the payment approval result professional structure transmitted to the payment terminal 200 according to the intention to those skilled in the art. However, the present invention includes all implementation methods inferred and the present invention is not limited to that illustrated in the drawing.

Referring to Figure y, the payment approval result full-text structure is at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0x02) and the end character (ETX (End of TeXt), 0x03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

In addition, the specialized information is a card payment receipt (or card to be provided to the customer who requested a card payment after processing the card payment based on the credit card payment approval department (for example, 2 to 35 items of professional information) and overseas cards An output target language unit (for example, 36 to 37 items of specialized information) to be output on the payment slip.

The credit card payment approval specialty part of the approval message includes a plurality of approval result items, and each approval result item is classified through FS (File Separator, 0x1C).

The credit card payment approval specialist unit may include transaction classification items (eg, credit approval request, credit approval cancellation, etc.) corresponding to the transaction classification related to the credit card payment included in the payment approval request message received from the payment terminal 200. Terminal_ID item for payment terminal 200, status value item (e.g., 'O': credit card payment request normal approval, 'X': credit card payment request declined), transaction date item, message 1 item, message 2 item, Message3 item, Message4 item, Authorization number item (e.g., if the status value is 'O', credit approval number, or if the status value is 'X', credit card payment decline reason code), purchaser ID item , Card company (bank) type name item, issuer ID item, the document serial number item, merchant number item, the purchaser item, annotation item, HELP DESK PHONE NO included in the full payment approval request received from the payment terminal 200 Entry, PIN D It is preferable to include an ATA item and a Control_Flag item.

Those skilled in the art to which the present invention pertains can clearly understand the details of each approval result item included in the credit card payment approval specialist with reference to this drawing, and thus, the detailed description thereof Description is omitted.

According to an exemplary embodiment of the present invention, the transaction classification information included in the credit card payment request specialized part of the payment approval request message received from the payment terminal 200 corresponds to the credit card payment (eg, credit). Authorization request, credit cancellation, etc.), and if the output target language code (or identifier) is confirmed by reading the card information among the payment approval request text, the target language classification item is output as shown in FIG. It is preferred to include a language code (or identifier).

In the full text of the payment approval request, the credit card payment approval special part and the output target language delimiter are divided by a predetermined delimiter. Although it is shown to distinguish the language separator, the separator uses GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), US (Unit Separator, 0X1F) in addition to FS, or CR (Carriage Return, 0X0D) and And / or LF (Line Feed, New Line, 0X0A) may be used, and the separator may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

100: relay server 105: interface
110: professional receiver 115: professional transmitter
120: professional relay 125: professional confirmation
130: professional generation unit 135: card information D / B
140: card company server 145: payment terminal

Claims (5)

In the foreign language receipt output method of the server linked to the payment terminal provided in the merchant,
Checking the card information included in the full payment approval request message received from the payment terminal, and confirming whether the card corresponding to the card information is a card issued in a foreign country;
If it is confirmed as a card issued in a foreign country, the information on the output language code (or identifier) corresponding to the foreign language is confirmed, and the full payment approval result including the confirmed output language code (or identifier) and the card payment result are included. Generating a;
And transmitting the generated payment approval result text to the payment terminal so as to be output in correspondence with the output target language code (or identifier).
delete delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.
In the payment terminal equipped with a card payment processing function and a function for outputting a receipt or slip corresponding to the card payment processing result,
A memory unit storing a basic form of a receipt or a document corresponding to a card payment processing function and a card payment processing result;
A full text confirming unit for verifying a text of an output target language code (or identifier) included in the received full text of the payment approval result when the payment approval result text is received from the server for processing the card payment;
If it is confirmed that the payment authorization result full-text language code (or identifier) information is included in the text, the printing process for output processing corresponding to the output target language code (or identifier) is combined with the receipt basic form stored in the memory unit. Payment terminal with a foreign language receipt output function characterized in that it comprises an output unit.

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