KR101192093B1 - System and Method for Providing Total Financial Information and Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for providing integrated financial information and a recording medium therefor. The method for providing integrated financial information according to the present invention requests a card payment using a card (A) held by a customer. Generating a payment approval request message including card information for (A) and transmitting the same to a server, and reading the card information included in the received payment approval request message from the server to confirm customer information; Requesting financial information about the card held by the customer by collecting the collected customer information to at least one card company server, collecting the financial information received from each card company server, and providing the finance provided by the respective card company servers. And transmitting the integrated financial information incorporating the information to the payment terminal.

Description

System and Method for Providing Total Financial Information and Recording Medium}

The present invention provides an integrated financial information that collects various financial information for one or more cards held by the customer, in addition to the payment information for the card, when the payment request using the card, thereby enabling effective financial state management for the customer. It is about a method.

With the development of information and communication technology and the development of the financial industry, payment methods using various cards such as credit cards, check cards, and debit cards are widely used instead of the conventional methods of using cash or household checks. More and more customers have multiple cards than customers with cards.

However, these customers, even in the situation where they are using the card payment, due to the limited card payment information provided through the payment receipt, it is difficult to use a large scale card.

In other words, if customers do not intentionally look up financial information, they are not provided with it, which makes it difficult to operate households of scale.

An object of the present invention for solving the above problems is to provide the financial information according to the use of the card to the customer using a plurality of cards, so that the use of the card can be made efficiently.

The present invention for solving the above problems, when requesting payment by the card held by the customer, by providing the customer with integrated financial information that collects the financial information for a plurality of cards including the card, so that the card can be used on a large scale To provide a method and system and a recording medium therefor.

According to the present invention, when a payment request is made by a card held by a customer, by providing the customer with integrated financial information that collects financial information about a plurality of cards including the corresponding card, the card can be used in a large scale.

1 is a diagram illustrating an information registration system for providing financial information for a card other than a card requesting a payment according to an embodiment of the present invention.
2 is a diagram illustrating an information registration process for providing financial information for a card other than a card requesting a payment according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of an offline-based card payment system through a card according to an embodiment of the present invention.
4 is a diagram illustrating a functional configuration of a payment terminal having an integrated financial information providing mode according to an embodiment of the present invention.
5A and 5B are diagrams illustrating an offline payment approval process through a card according to an embodiment of the present invention.
6A and 6B illustrate an offline payment approval process through a card according to an embodiment of the present invention.

In the integrated financial information providing method according to the present invention, when a customer requests a card payment using a card (A) held by a customer, a payment terminal generates a full payment approval request message including the card information for the card (A) to a server. Transmitting and reading the card information included in the received payment approval request message in the server and confirming the customer information; and transmitting the confirmed customer information to one or more card company servers to finance the card held by the customer. Requesting information, collecting financial information received from each card company server, and transmitting integrated financial information incorporating financial information provided by the respective card company servers to the payment terminal. It is characterized by.

In addition, the payment terminal receiving the integrated financial information processing to be transmitted to the wireless terminal of the customer through a short-range wireless communication; characterized in that it further comprises, wherein the integrated financial information is the remaining limit for the card held by the customer It is characterized in that the information, including the payment amount information.

In addition, the step of transmitting the integrated financial information incorporating the financial information provided by each card company server collected to the payment terminal, the payment approval full text provided by the card company server based on the full payment approval request received from the payment terminal Is received, a payment approval result text including the received payment approval text and the integrated financial information is generated and transmitted to the payment terminal, or when the payment approval text provided by the card company server is transferred to the payment terminal, the payment approval. It is characterized by the transfer of integrated financial information at the same time as the full text.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described integrated financial information providing method.

The integrated financial information providing system according to the present invention, when requesting a card payment using the card (A) held by the customer, the payment terminal generates a full payment approval request message containing the card information for the card (A) to the server Means for verifying customer information by transmitting card information included in the received payment approval request message in the server, and transmitting the confirmed customer information to one or more card company servers to finance the card held by the customer. Means for requesting information, collecting the financial information received from each card company server, and transmitting the integrated financial information incorporating the financial information provided by the respective card company servers to the payment terminal. It is characterized by.

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. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. 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. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be 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 illustrating an information registration system for providing financial information for a card other than a card requesting a payment according to an embodiment of the present invention.

In more detail, in FIG. 1, in order to provide financial information for a card other than the card for which payment is requested, a predetermined client terminal 130 accesses a server on a financial information providing system through a predetermined network means, thereby providing customer information and financial information. Information for storing the service request information provided from the client terminal 130 in the storage medium 125 provided on the financial information providing system when the service request information including at least one offer agreement information is provided. As a configuration of a registration system, a person of ordinary skill in the art to which the present invention pertains refers to an information registration system for providing financial information on a card other than the card requesting the payment by referring to and / or modifying the drawing 1. While various implementation methods for the configuration may be inferred, the present invention is directed to all It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, at least one service request information including at least one of customer information and financial information provision agreement information provided from the client terminal 130 on the information registration system shown in FIG. 1 is stored in the storage medium 125. Components corresponding to one or more means and / or functional configurations are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for providing financial information for a card other than a card requesting a payment according to the present invention includes at least one client terminal 130 connected to a predetermined network means. ), A storage medium 125 for storing service application information including at least one of customer information transmitted from the client terminal 130 and agreement information for providing financial information, and the client terminal 130 and predetermined network means. Is connected via, characterized in that it comprises an information registration server 100 for receiving the service request information transmitted through the network means and stored in the storage medium 125.

The client terminal 130 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very High- a wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a data rate Digital Subscriber Line) and / or a cable communication network, and / or CDMA ( A mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, and / Or at least one wireless terminal including at least one WLAN terminal connected to an IEEE 802.11x based WLAN network. The client terminal 130 outputs at least one or more service request interface screens provided by the information registration server 100, and inputs and / or selects at least one or more information through the service request interface screen. It is preferable that a function configuration (for example, a browser program and a communication function) for transmitting to the information registration server 100 is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 130 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 130 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the client terminal 130 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

The storage medium 125 provided on the financial information providing system according to the present invention stores service request information including at least one of customer information and financial information providing consent information transmitted from the client terminal 130. It is done.

When the customer information is requested for payment based on the card (for example, credit card, check card, debit card, etc.) held by the customer through the financial information providing system, after checking the customer information based on the card presented by the customer, Based on the confirmed customer information, financial information about the card other than the card presented by the customer is collected and provided to the communication means desired by the customer. Personal information about the desired customer (e.g. customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) Mail member information (e.g. financial information about the card held by the customer except the card presented by the customer) To collect and provide to the customer, the member ID information provided on the member management D / B provided on the financial information providing system) It comprises at least one are preferred.

The financial information providing consent information may include consent information for collecting and providing financial information about the card held by the customer except for the card presented by the customer to the customer, and the consent information may be provided to each financial institution. It is possible to include corresponding consent information.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 130 through the network means in order to provide a web interface corresponding to the client terminal 130 and the network means. And an interface unit 105 (or interface means) for connecting and managing channels, whereby the information registration server 100 establishes a wired communication network and / or a wireless communication network with the client terminal 130. It has the function of a web server connected via communication.

According to an embodiment of the present invention, when the client terminal 130 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 105 is the client terminal 130. And a predetermined communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and the service request interface screen in the form of a document compatible with Hyper-Text Markup Language (HTML) to the client terminal 130 through the communication channel. And / or transmits and outputs an information providing screen and includes at least one predetermined customer information and financial information providing consent information input (or selected) from the client terminal 130 through the service request interface screen. It is desirable to perform a function of receiving and processing information.

According to another exemplary embodiment of the present invention, when the client terminal 130 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the client terminal 130 and a WAP (Wireless). Connect a predetermined communication channel based on an Application Protocol and / or a Mobile Explorer (ME) protocol, and provide a service in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal 130 through the communication channel. And transmits and outputs an application interface screen and / or an information providing screen and includes at least one predetermined customer information and financial information providing consent information corresponding to the service application interface screen from the client terminal 130. It is preferable to perform a function of receiving processing.

According to another exemplary embodiment of the present invention, when the client terminal 130 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the client terminal 130. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined service request interface screen and / or information providing screen to the client terminal 130 through the communication channel. And receiving and processing service request information including at least one of predetermined customer information and financial information provision consent information corresponding to the service request interface screen from the client terminal 130, and / or Wireless terminal to which the communication terminal is connected to the client terminal 130 through a wireless communication network based on IEEE 802.11x In other words, the interface unit 105 connects a predetermined communication channel with the client terminal 130 based on a wireless protocol corresponding to the IEEE 802.11x standard, and through the communication channel to the client terminal 130. It is preferable to perform a function of transmitting and outputting a predetermined service request interface screen and / or information providing screen and receiving and processing predetermined service request information corresponding to the service request interface screen from the client terminal 130.

Referring to FIG. 1, the information registration server 100 is connected to the interface unit 105 when a predetermined client terminal 130 accesses the information registration server 100 through the interface unit 105. Providing (or extracting) a predetermined service request interface screen for inputting (or selecting) and transmitting service request information including at least one of predetermined customer information and financial information provision consent information from the client terminal 130. Service request information inputted (or selected) transmitted by the client terminal 130 through the service request interface screen in association with the interface providing unit 110 (or interface providing means) and the interface unit 105. An information storage unit 120 for storing the received information receiving unit 115 (or information receiving means) and the received service request information on the storage medium 125. (Or information storage means).

The interface providing unit 110 has a functional configuration (eg, a client) provided in the client terminal 130 when a predetermined client terminal 130 is connected to the information registration server 100 through the interface unit 105. Corresponding to the browser program provided in the terminal 130, input (or select) service application information including at least one of predetermined customer information and financial information provision consent information, and input the information registration server 100 through the network means. To generate a predetermined service request interface screen that can be transmitted to), and / or to extract from a predetermined database (not shown), and to interwork with the interface unit 105 to generate the generated (or extracted) service request interface screen. It is characterized in that it provides to the client terminal 130 through the network means.

Thereafter, the client terminal 130 inputs (or selects) service request information including at least one of predetermined customer information and financial information provision consent information based on the service request interface screen, and the service request information is inputted. If it is confirmed (or selected), the client terminal 130 transmits the input (or selected) service request information to the information registration server 100 through the network means.

In the technical field to which the present invention pertains, the client terminal 130 provides the customer information and financial information provision consent information through at least one form included in the service application interface screen. Technical features for inputting (or selecting) service request information including at least one of the above, and transmitting the input (or selection) service request information to the information registration server 100 through a communication protocol provided by the network means. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) the service request information including at least one of predetermined customer information and financial information provision consent information through the service request interface screen on the client terminal 130 to perform the network means. When transmitting through, it is characterized in that for receiving the service request information in conjunction with the interface unit 105, and provides the received service request information to the information storage unit 120.

The information storage unit 120 stores service request information including at least one of the customer information and financial information provision consent information received through the information receiving unit 115 in the storage medium 125. .

When the customer information is requested for payment based on the card (for example, credit card, check card, debit card, etc.) held by the customer through the financial information providing system, after checking the customer information based on the card presented by the customer, Based on the confirmed customer information, financial information about the card other than the card presented by the customer is collected and provided to the communication means desired by the customer. Personal information (e.g. customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) for the desired customer and member information (e.g., financial information for the card held by the customer other than the card presented by the customer) In order to collect and provide to the customer, the member ID information provided on the member management D / B provided on the financial information providing system) It is preferable to comprise at least one or more.

The financial information providing consent information may include consent information for collecting and providing financial information about the card held by the customer except for the card presented by the customer to the customer, and the consent information may be provided to each financial institution. It is possible to include corresponding consent information.

2 is a diagram illustrating an information registration process for providing financial information for a card other than a card for which payment is requested according to an embodiment of the present invention.

In more detail, FIG. 2 provides financial information for a card other than a card for which the client terminal 130 on the information registration system shown in FIG. 1 requests payment to the information registration server 100 through a predetermined network means. When the service request information including at least one customer information, financial information provision consent information for transmitting the information, the information registration server 100 for the process of storing the service request information in the storage medium 125, the present invention Those skilled in the art can infer various implementation methods for the information registration process for providing financial information for a card other than the card requesting payment by referring to and / or modifying the drawing 2. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 130 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 2, the terminal on the information registration system shown in FIG. 1 connects to the server via the network means and connects a communication channel for providing financial information for a card other than the card requesting payment (200). .

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

If one of ordinary skill in the art to which the present invention pertains, the terminal connects to the server according to a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means and requests the payment. Since you will be familiar with the technical features of connecting the communication channel for providing financial information for other cards, the detailed description thereof will be omitted for convenience.

As described above, when a communication channel for providing financial information on a card other than a card requesting a payment is connected between the terminal and the server, the terminal finances a card other than the card requesting the payment to the server through the communication channel. Request a service request interface screen for providing information (205), and correspondingly, the server inputs (or selects) service input information including at least one of the customer information and financial information provision agreement information in the terminal. A service request interface screen including a user interface is generated (or extracted) (210), and the generated (or extracted) service request interface screen is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal inputs the service request information through the user interface included in the service request interface screen to input (or select) the service request information including at least one of the customer information and financial information provision consent information. Or select) (220).

If service request information including at least one of the customer information and financial information provision consent information is input (or selected) in the terminal (225), the terminal transmits the service request information to the server through the communication channel. In operation 230, the server stores the received service request information in the storage medium 125 shown in FIG. 1 (235).

When the customer information is requested for payment based on the card (for example, credit card, check card, debit card, etc.) held by the customer through the financial information providing system, after checking the customer information based on the card presented by the customer, Based on the confirmed customer information, financial information about the card other than the card presented by the customer is collected and provided to the communication means desired by the customer. Personal information (e.g. customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) for the desired customer and member information (e.g., financial information for the card held by the customer other than the card presented by the customer) In order to collect and provide to the customer, the member ID information provided on the member management D / B provided on the financial information providing system) It is preferable to comprise at least one or more.

The financial information providing consent information may include consent information for collecting and providing financial information about the card held by the customer except for the card presented by the customer to the customer, and the consent information may be provided to each financial institution. It is possible to include corresponding consent information.

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

In more detail, Figure 3 is a payment approval request from the payment terminal 350 shown in Figure 4 when the payment processing through a predetermined offline payment channel using a card issued through the card issuing system shown in Figure u When the information is received, the card information included in the received payment approval request message is read to confirm customer information corresponding to the card information, and the finance for the customer is provided through one or more financial institutions based on the confirmed customer information. Provides integrated financial information, which collects information (eg, remaining limit information on a credit card, installment payment amount information, etc.) to the payment terminal 350, and performs short-range wireless communication (eg, RF ( An off-line card payment system that provides a wireless terminal through a radio frequency) or an infrared ray, etc., and has a general knowledge in the art In this regard, various implementation methods for offline card payment system configuration through the card may be inferred by referring to and / or modifying the drawing 3, but the present invention includes all the implementation methods inferred from the drawing. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the offline card payment system through the card receives a payment terminal 350 provided in a predetermined offline affiliated store, a full payment approval request from the payment terminal 350, and receives the received payment approval. Read the card information included in the request message to confirm the customer information corresponding to the card information, and based on the confirmed customer information, the payment of the integrated financial information collected by the financial information for the customer through one or more financial institutions The relay server 300 provided to the terminal 350 and the payment approval request text transmitted from the payment terminal 350 are received through the relay server 300, and the payment corresponding to the received payment approval request text is received. After the approval process, the card company server 345 which transmits the payment approval text including the payment approval processing result or provides the financial information according to the request of the relay server 300 is provided. It characterized by comprising.

In FIG. 3, the relay server 300 on the offline card payment system through the card is illustrated as a single server, but this is only an implementation method for effectively explaining the technical features of the present invention. At least one functional component constituting may be implemented through a plurality of servers (or devices), thereby not limited to the invention.

In addition, at least one or more functional components constituting the relay server 300 may be separately configured or integrated into at least a plurality of functional components, or may be provided on the card company server 345, whereby the present invention It is not limited.

The payment terminal 350 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. And reading predetermined card information from the card through at least one card reader, inputting a payment amount through a predetermined key input device, and then including the card information, the payment amount, and the affiliated store information. It generates a payment approval request full text and transmits to the relay server 300 through the communication network.

In addition, the relay server 300 on the offline card payment system, characterized in that it comprises at least one or more servers provided in the relay institution (for example, bansa, etc.) to process the payment approval for the card. After receiving the payment approval request message from the payment terminal 350, the card information included in the payment approval request message is read to determine whether it is a card, and the payment approval details are processed to be output in a foreign language. It is done.

In addition, the communication network connecting the payment terminal 350 and the relay server 300 in the offline card payment system, at least one or more between the payment terminal 350 and the relay server 300 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 350 and the technical features of the conventional bansa server, card company server 345. Therefore, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the relay server 300 stores a service request information including at least one of customer information and financial information provision consent information registered through the information registration system shown in FIG. 1. It is preferable to have a 340, or in conjunction with the D / B server (not shown) provided with the storage medium 340.

When the customer information is requested for payment based on the card (for example, credit card, check card, debit card, etc.) held by the customer through the financial information providing system, after checking the customer information based on the card presented by the customer, Based on the confirmed customer information, financial information about the card other than the card presented by the customer is collected and provided to the communication means desired by the customer. Personal information (e.g. customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) for the desired customer and member information (e.g., financial information for the card held by the customer other than the card presented by the customer) In order to collect and provide to the customer, the member ID information provided on the member management D / B provided on the financial information providing system) It is preferable to comprise at least one or more.

The financial information providing consent information may include consent information for collecting and providing financial information about the card held by the customer except for the card presented by the customer to the customer, and the consent information may be provided to each financial institution. It is possible to include corresponding consent information.

Referring to FIG. 3, the relay server 300 includes an interface unit 305 (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 350 through a communication network. A professional receiving unit 310 (or 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 350 in association with the interface unit 305; And a professional transmission unit 315 (or a professional transmission means) for transmitting a payment approval result text corresponding to the payment approval request text message to the payment terminal 350 in association with the interface unit 305. It is done.

In addition, when the relay server 300 receives the full payment approval request message from the payment terminal 350, the relay server 300 transmits the received payment approval request message to the card company server 345 to request a card payment and the card company. A payment approval message generated by the server 345 processing the payment approval request message is generated, and when the payment approval message is transmitted to the relay server 300, a special relay unit 335 (or a professional relay means) for receiving it is received. It is characterized by comprising.

In the payment terminal 350, the card information for the target card provided in the payment terminal 350 or the card payment request through the card reader connected to the payment terminal 350, and the card information and the payment amount and When a payment approval request message including the affiliated store information corresponding to the affiliated store having the payment terminal 350 is generated and transmitted through a communication network, the expert receiving unit 310 is connected to the interface unit 305 to approve the payment. It is desirable to receive the full request.

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If the relay server 300 relays the payment approval request message transmitted from the payment terminal 350 to the card company server 345, the payment approval corresponding to the payment approval request message is transmitted from the card company server 345. After the procedure is completed, when the payment approval message corresponding to the payment approval processing result is received, the message transmission unit 315 reads the card information included in the received payment approval request message on the received payment approval message and reads the card. After confirming the customer information corresponding to the information, and confirming whether or not to generate the payment approval result full text including the integrated financial information collected based on the confirmed customer information, the generated payment approval result full text to the payment terminal 350 Characterized in that the transmission.

Referring to FIG. 3, when the relay server 300 receives a full payment approval request message including at least one card information, a payment amount, and merchant information from the payment terminal 350 through the special reception unit 310, the relay server 300 receives the payment approval request message. Read the card information included in the received payment approval request full text, the professional confirmation unit 325 (or professional confirmation means) for confirming the customer information corresponding to the card information, and based on the confirmed customer information one An information checking unit 330 (or information checking means) for checking at least one card held by the customer through the card company server 345 and checking each financial information (eg, remaining limit information, etc.) for the card. And an information providing unit 320 (or information providing means) for processing the integrated financial information collected from the identified financial information to be provided to the payment terminal 350. It shall be.

In addition, when the integrated financial information provided to the payment terminal 350 is included in the full payment approval result and transmitted, the full payment approval request message transmitted by the payment terminal 350 is relayed to the card company server 345. And a full text generation unit (or full text generation means) for generating a full text of the payment approval result including the payment approval text received from the card company server 345 and the confirmed integrated financial information. .

When the payment approval request message including at least one or more card information, payment amount, and merchant information is received from the payment terminal 350 through the specialized reception unit 310, the professional confirmation unit 325 receives the payment terminal 350. Read the card information included in the full payment approval request received from the), characterized in that to confirm the customer information corresponding to the card information.

According to the method of the present invention, the card information read included in the full payment approval request received from the payment terminal 350, by confirming the TRACK II Data items included in the received full payment approval request, the payment approval It is preferable to read the card information included in the request full text, and the structure of the full text of the payment approval request may be changed according to the intention and purpose of those skilled in the art.

If the card information is confirmed by checking the TRACK II Data item included in the full payment approval request, the card company server 345 issuing a card used by the customer for payment of customer information corresponding to the checked card information. It is desirable to receive.

Here, the representative card mainly used by the customer may be used after registering on the relay server 300, whereby the present invention is not limited thereto.

A payment approval request message including at least one or more card information, a payment amount, and the affiliated store information is received from the payment terminal 350 requesting the payment by reading the card presented by the customer, and reading the received payment approval request message. When the card information is confirmed, the information checking unit 330 checks the customer information corresponding to the confirmed card information, and confirms the integrated financial information based on the confirmed customer information.

According to the method of the present invention, the customer information corresponding to the confirmed card information, the card information to the card company that issued the card company 345 issuing the card to request the customer information, the card company server 345 By receiving the customer information provided by), it is preferable to confirm the customer information corresponding to the confirmed card information.

According to another exemplary embodiment of the present invention, when the customer information corresponding to the confirmed card information is stored in association with the card information and the customer information in the storage medium 340, the card information is first searched / confirmed, and the By confirming the stored customer information in connection with the confirmed card information, it is preferable to confirm the customer information corresponding to the confirmed card information.

If the customer information corresponding to the confirmed card information is confirmed, the confirmed customer information is transmitted to one or more card company servers 345 to provide financial information (eg, card remaining limit information, etc.) for each card held by the customer. It is desirable to check the integrated financial information received / aggregated the current month payment amount information, etc.).

When integrated financial information is confirmed through at least one card company server 345 based on the confirmed customer information, the information providing unit 320 processes the identified integrated financial information to be provided to the payment terminal 350. It is characterized by.

According to the exemplary embodiment of the present invention, the providing of the confirmed integrated financial information to the payment terminal 350 includes transmitting the payment approval result to the payment terminal 350 in the full payment approval result. desirable.

Here, the payment approval result full text is a payment approval message received from the card company server 345 relaying the payment approval request text received from the payment terminal 350.

According to another exemplary embodiment of the present invention, the providing of the confirmed integrated financial information to the payment terminal 350 may include transmitting the confirmed integrated financial information to the payment terminal 350 at the same time as the full payment approval result. desirable.

If the identified integrated financial information is transmitted to the full payment approval result, the full text generation unit relays the full payment approval request message transmitted by the payment terminal 350 to a card company server 345, and transmits the card company server. The payment approval result received from 345 and the payment approval result full text including the confirmed integrated financial information is generated.

According to the implementation method of the present invention, the generated payment approval result full text is preferably separated through FS (File Separator, 0x1c) in order to generate including the integrated financial information, each of the included in the integrated financial information Preferably, the financial information includes a financial institution code, a type of financial information, and information corresponding to the financial information.

4 is a diagram illustrating a functional configuration of a payment terminal 400 having an integrated financial information providing mode according to an embodiment of the present invention.

In more detail, Figure 4 is for an embodiment of a payment terminal 400 having an integrated financial information providing mode for the integrated financial information providing services for cards other than the payment card, which is generally in the art to which the present invention pertains. Those skilled in the art will be able to infer the configuration of the various payment terminal 400 function for the integrated financial information providing service for the card other than the payment card by referring to and / or modifying the Figure 4, but the technical It is to be understood that the features are not limited by this Figure 4, but include all inferred implementation methods.

Referring to FIG. 4, a payment terminal 400 having an integrated financial information providing mode for an integrated financial information providing service for a card other than a payment card is basically a control unit 405, a memory unit 450, and a card reader unit. 410, the key input unit 420, the screen output unit 415, the communication processing unit 530, the security application module 435, the print output unit 440 and a power supply for supplying power to the payment terminal 400 425, and includes at least one or more terminal function units (not shown) according to the intention of those skilled in the art.

The control unit 405 controls the overall operation of the payment terminal 400 in the functional configuration, manages the flow of information or data between each component, payment terminal for the integrated financial information providing technology for cards other than the payment card At least one processor and an execution memory (for example, a hardware including a central processing unit (CPU) and a micro processing unit (MPU)). And a bus for inputting and outputting a register and / or random access memory (RAM) and predetermined data, and in order to perform a function specific to the payment terminal 400 by software. Predetermined program routines and / or programs which are loaded from the recording medium into the execution memory and are processed by the processor It is provided with a predetermined program recorded on the recording medium provided in the payment terminal 400, and / or the payment terminal 400 for the integrated financial information providing technology for the card other than the payment card, including gram data And a component capable of being processed by software among the functional configurations to be provided in the controller 405).

According to the exemplary embodiment of the present invention, the controller 405 outputs the components (for example, the memory unit 450, the card reader unit 410, the key input unit 420, and the screen) provided in the payment terminal 400. The payment terminal 400 by interworking the unit 415, the communication processing unit 530, the security application module 435, the print output unit 440, and / or the terminal function unit (not shown) according to the intention of the person skilled in the art. In addition to controlling and managing the provision of the electronic payment service defined in the) as well as interworking the components provided in the payment terminal 400 for the integrated financial information providing service for cards other than the payment card according to the present invention And / or to execute a program recorded on a recording medium provided in the payment terminal 400 for integrated financial information providing service for a card other than the payment card.

The memory unit 450 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 400 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 the program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 405 to perform a predetermined control function ) Is stored.

According to the implementation method of the present invention, the memory unit 450 is provided to the full payment approval result received from the relay server to provide the integrated financial information providing service for the card other than the payment card through the payment terminal 400. It is preferable to store a receipt basic form for extracting the payment approval details included and outputting them in combination with the receipt output basic format.

The customer receiving the integrated financial information providing service for the card other than the payment card according to the present invention through the payment terminal 400, based on the ISO / IEC 7810 standard 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 a card comprising at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader unit 410 may provide an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader unit 410 is an MS reader unit providing an interface between the MS card and the payment terminal 400, and / or the contact IC card and the payment terminal 400. 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 400.

The MS reader unit is a card reader unit 410 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 400 from at least one track (Track) provided in the MS of the MS card by using the loading.

The contact IC reader unit is a card reader unit 410 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal (400).

The contactless IC reader unit is a card reader unit 410 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 400.

According to an embodiment of the present invention, the card reader 410 is provided with predetermined card information (eg, in a card) from at least one or more card readers 410 for the electronic payment service defined in the payment terminal 400. Payment means information corresponding to a payment means including at least one credit card, debit card, debit card, cash card, financial account), and is also integrated with a card other than the payment card according to the present invention. It is preferable to read predetermined card information from at least one or more cards for the financial information providing service.

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 420 is provided with 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 400 controlled by the controller 405. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 405. The control unit 405 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 400, and / or is defined in accordance with the key event. Characterized in that for obtaining a command to execute the function. The key input unit 420 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 400.

The key input device interoperating with the key input unit 420 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 420 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 400. It is preferable to perform the function of the key input means for receiving the input), and also to integrate the card other than the payment card from the key input device for the integrated financial information providing service for the card other than the payment 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 financial information service.

According to an exemplary embodiment of the present invention, a key input device corresponding to the key input unit 420 may use a card other than a payment card according to the present invention in an initial mode and / or a general payment mode in an operation mode of the payment terminal 400. It is desirable to have a key button for switching to the integrated financial information providing mode for the integrated financial information providing service for.

The screen output unit 415 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 405 in the process of the payment terminal 400 performs a predetermined function (for example, the electronic payment processing function) And at least one or more information or data that is predefined or defined in real time to be output to a predetermined output device including a Ray Tube) through a predefined interface screen, wherein the screen output unit 415 And the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal 400.

The predefined information or data to be output from the payment terminal 400 to the screen output device may include key data input through the key input unit 420, and / or components included in the payment terminal 400. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 530, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 400. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 415 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 400 It is preferable to perform the function of the output means, and also providing integrated financial information service for the card other than the payment card to the screen output device for the integrated financial information service for the card other than the payment card according to the present invention It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the.

The communication processing unit 530 is a relay server and / or the payment terminal 400 and a predetermined cable connected through a communication network in the process of the payment terminal 400 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 400 via a predetermined short-range wireless communication connected through the 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 the communication server and the communication channel 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 400 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 400 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 (435) is a confidentiality and / or authentication required by the payment terminal 400 in the process of performing the electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, etc., without the use of an authentication server (or relay server) on the network, and a secure and reliable structure within the payment terminal 400. As a safety device for performing the operation, the payment terminal 400 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 435 is preferably composed of a predetermined security application module 435 inserter and the security application module 435 chip, the security application module 435 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)) having a performance of 2 MIPS or more. It is preferable to comprise a.

In addition, the security application module 435 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 400 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 440 may process the payment terminal 400 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 445 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 445 according to a predefined printing form. It is preferred to include a printing protocol and a driver.

Referring to Figure 4, the payment terminal 400, the operation mode of the payment terminal 400 is a card other than the payment card in order to provide an integrated financial information providing service for the card other than the payment card according to the present invention A mode check unit 455 for checking whether the integrated financial information providing mode corresponds to the integrated financial information providing service; and when the operation mode of the payment terminal 400 is the integrated financial information providing mode, the card An information input unit 460 for reading and inputting predetermined card information for an integrated financial information service for a card other than the payment card from the customer card through the reader unit 410, and inputs the information through the information input unit 460. A professional generation unit 465 for generating a payment approval request message including at least one integrated financial information providing technology for a card other than the payment card; A professional transmission unit 470 for transmitting a payment approval request text to a relay server on a communication network through the communication processing unit 530, and a payment corresponding to the payment approval request message from a relay server on a communication network through the communication processing unit 530. Receives the payment approval result text including the processing history, and outputs the payment processing history included in the payment approval result full text through the screen output unit 415, and / or through the print output unit 440 Characterized in that it comprises a specialized processing unit 475 for printing output.

In addition, when the payment approval result full text is received from the relay server on the communication network in the specialized processing unit 475, the full text confirmation unit 480 confirms whether integrated financial information is further included in the received payment approval result full text. It is characterized by further comprising.

The mode checking unit 455 periodically performs an operation mode of the payment terminal 400 in response to the integrated financial information providing service for a card other than the payment card (in response to the integrated financial information providing mode switch key event). It is characterized by checking whether the corresponding integrated financial information providing mode.

If the check result is that the operation mode of the payment terminal 400 is not the integrated financial information providing mode, the payment terminal 400 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 400 is When the integrated financial information providing mode is confirmed, the mode checking unit 455 outputs the integrated financial information providing mode check result through the screen output unit 415 and then provides the information to the information input unit 460.

The information input unit 460 from the customer card through the card reader unit 410 to process the electronic payment corresponding to the integrated financial information providing mode for the integrated financial information providing service for the card other than the payment card Characterized by reading the predetermined card information for the integrated financial information providing services for cards other than the payment card, the input card information is provided to the full text generation unit (465).

The full text generation unit 465 generates a full text of the payment approval request request including at least one integrated financial information providing technology for a card other than the payment card input through the information input unit 460. The generated payment approval request text is provided to the specialized transmission unit 470.

The specialized transmitter 470 transmits the payment approval request telegram generated by the expert generator 465 to a relay server on a communication network through the communication processor 530. After the server performs a predetermined payment processing procedure for providing an integrated financial information providing service for the card other than the payment card through the payment approval request message, the payment approval details or payment error details corresponding to the payment processing result After generating the payment processing history corresponding to any one of the predetermined, and generates a predetermined payment approval full text including the payment processing history and transmits to the relay server shown in Figure 1, the relay server is the received payment approval message Full text of payment approval result further includes integrated financial information, which collects financial information about one or more cards held by the customer. And it transmits to the payment terminal 400 via the communication network.

After the payment approval request message is transmitted to the relay server through the specialized transmission unit 470, the expert processing unit 475 transfers the payment approval request message from the relay server on the communication network through the communication processing unit 530. Periodically (or in response to a full text reception event of the communication processor 530), a full text of a payment approval result including a 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 530, the text processing part 475 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 415 or / or through the print output unit 440. Electronic payment process for integrated financial information service for other cards 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 530, the text verification unit 480 is integrated into the received payment approval result text. If it is determined whether the information is further included, and if it is confirmed that the identified integrated financial information is included, the wireless terminal capable of connecting to the short-range wireless communication channel through the short-range wireless communication unit (eg, the customer) Mobile phone, etc.).

Here, when providing integrated financial information to the customer, it is preferable that the authentication process for the customer is further included, wherein the authentication process when providing integrated financial information to the payment terminal 400, the mobile phone number information of the customer information After providing further, it is preferable to authenticate the terminal connected to the short-range wireless communication channel based on this, or to authenticate based on predetermined password information.

5A and 5B illustrate an offline payment approval process through a card according to an embodiment of the present invention.

In more detail, Figures 5a and 5b is an offline payment processing that provides integrated financial information through the payment terminal 400 when the payment processing using the offline payment channel corresponding to the offline card payment system shown in Figure 3 through the card. As a process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to infer various implementation methods for the offline payment process through the card. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation methods shown in FIGS. 5A and 5B.

5a and 5b, the payment terminal 400 on the offline card payment system shown in FIGS. 5a and 5b generates the full payment approval request message including the card information, the payment amount, and the merchant information. When transmitting to the server (500), the relay server relays the received payment approval request message to the card company server 485 to request the payment for the card (505), the card company server 485 correspondingly Based on the payment approval request text, a payment approval text including a payment processing and a payment processing result is generated (or extracted) (510), and the generated (or extracted) payment approval text is transmitted to the relay server (515). ).

Thereafter, the relay server receives the payment approval message transmitted from the card company server 485, reads the card information included in the payment approval request message sent from the payment terminal 400, and reads the read card information. Check the customer information based on (520).

According to the exemplary embodiment of the present invention, the card information read included in the full payment approval request received from the payment terminal 400 confirms the TRACK II Data item included in the received full payment approval request, thereby confirming the payment approval. It is preferable to read the card information included in the request full text, and the structure of the full text of the payment approval request may be changed according to the intention and purpose of those skilled in the art.

If the card information is confirmed by checking the TRACK II Data item included in the full payment approval request, the card company server 485 issuing a card used by the customer for the customer information corresponding to the confirmed card information. It is desirable to receive.

Here, the representative card mainly used by the customer may be used after registering on the relay server, whereby the present invention is not limited thereto.

According to an embodiment of the present invention, the customer information corresponding to the confirmed card information is provided to the card company server 485 that issued the card to request the customer information, and the card company server 485 By receiving the customer information provided by), it is preferable to confirm the customer information corresponding to the confirmed card information.

According to another exemplary embodiment of the present invention, when the customer information corresponding to the confirmed card information is linked and stored in the storage medium with the card information, the card information is first searched / confirmed, and the confirmed card By confirming the stored customer information in connection with the information, it is preferable to confirm the customer information corresponding to the confirmed card information.

If the customer information corresponding to the confirmed card information is confirmed, the confirmed customer information is transmitted to at least one card company server 485 to provide financial information (eg, card remaining limit information, etc.) for each card held by the customer. It is desirable to check the integrated financial information received / aggregated the current month payment amount information, etc.).

Subsequently, the relay server transmits the confirmed customer information to one or more card company servers 485 to request financial information for the card held by the customer (525), and the customer information transmitted from the one or more card company servers 485. Receive and collect financial information confirmed based on (530), generates (or extracts) a payment approval result text including the aggregated integrated financial information (535), and transmits to the payment terminal (400) ( In response to this, the payment terminal 400 checks whether the integrated financial information is included in the received payment approval result text (545).

According to the implementation method of the present invention, providing the confirmed integrated financial information to the payment terminal 400, when transmitting the payment approval result full text to the payment terminal 400, to include in the payment approval result full text transmission desirable.

According to another exemplary embodiment of the present invention, the providing of the confirmed integrated financial information to the payment terminal 400 is to transmit the confirmed integrated financial information to the payment terminal 400 at the same time as the payment approval result. desirable.

According to the implementation method of the present invention, the generated payment approval result full text is preferably separated through FS (File Separator, 0x1c) in order to generate including the integrated financial information, each of the included in the integrated financial information Preferably, the financial information includes a financial institution code, a type of financial information, and information corresponding to the financial information.

If it is confirmed that the payment approval result does not include the integrated financial information (550), the payment terminal 400 transmits the received integrated financial information to a terminal (for example, a mobile phone, etc.) to which a short-range communication channel is connected. In operation 555, the payment approval history included in the full payment approval result is processed to be output on the receipt (or slip) (560).

On the other hand, if it is confirmed that the payment approval result includes the integrated financial information (550), the payment terminal 400 processes the payment approval details included in the payment approval result message to be output on the receipt (or slip). (560).

Here, when providing the integrated financial information to the customer, it is preferable that the authentication process for the customer further comprises, wherein the authentication process for the customer when providing the integrated financial information to the payment terminal 400, the mobile phone of the customer information After further providing the number information, it is preferable to authenticate the terminal connected to the short-range wireless communication channel based on this, or to authenticate based on predetermined password information.

6A and 6B illustrate an offline payment approval process through a card according to an embodiment of the present invention.

In more detail, FIGS. 6A and 6B illustrate an offline payment process for providing integrated financial information through a payment terminal 400 when performing a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 3 through a card. As a process, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to infer various implementation methods for the offline payment process through the card. However, the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 6A and 6B.

6A and 6B, the payment terminal 400 on the offline card payment system illustrated in FIGS. 6A and 6B generates the full payment approval request message including the card information, the payment amount, and the merchant information. When transmitting to the server (600), the relay server relays the received payment approval request message to the card company server 485 to request the payment for the card (605), and the card company server 485 correspondingly Based on the payment approval request text, a payment approval text including a payment processing and a payment processing result is generated (or extracted) (610), and the generated (or extracted) payment approval text is transmitted to the relay server (615). ).

Thereafter, the relay server receives the payment approval message transmitted from the card company server 485, reads the card information included in the payment approval request message sent from the payment terminal 400, and reads the read card information. Check the customer information based on (620).

According to the exemplary embodiment of the present invention, the card information read included in the full payment approval request received from the payment terminal 400 confirms the TRACK II Data item included in the received full payment approval request, thereby confirming the payment approval. It is preferable to read the card information included in the request full text, and the structure of the full text of the payment approval request may be changed according to the intention and purpose of those skilled in the art.

If the card information is confirmed by checking the TRACK II Data item included in the full payment approval request, the card company server 485 issuing a card used by the customer for the customer information corresponding to the confirmed card information. It is desirable to receive.

Here, the representative card mainly used by the customer may be used after registering on the relay server, whereby the present invention is not limited thereto.

According to an embodiment of the present invention, the customer information corresponding to the confirmed card information is provided to the card company server 485 that issued the card to request the customer information, and the card company server 485 By receiving the customer information provided by), it is preferable to confirm the customer information corresponding to the confirmed card information.

According to another exemplary embodiment of the present invention, when the customer information corresponding to the confirmed card information is linked and stored in the storage medium with the card information, the card information is first searched / confirmed, and the confirmed card By confirming the stored customer information in connection with the information, it is preferable to confirm the customer information corresponding to the confirmed card information.

If the customer information corresponding to the confirmed card information is confirmed, the confirmed customer information is transmitted to at least one card company server 485 to provide financial information (eg, card remaining limit information, etc.) for each card held by the customer. It is desirable to check the integrated financial information received / aggregated the current month payment amount information, etc.).

Thereafter, the relay server checks whether the integrated financial information request customer is based on the confirmed customer information (622).

If it is not confirmed as an integrated financial information request customer (623), the relay server generates (or extracts) the payment approval result text including the payment approval text received from the card company server 485 (624), The payment terminal 400 is transmitted (640), and in response, the payment terminal 400 checks whether the integrated financial information is included in the received payment approval result text (645).

According to the implementation method of the present invention, providing the confirmed integrated financial information to the payment terminal 400, when transmitting the payment approval result full text to the payment terminal 400, to include in the payment approval result full text transmission desirable.

Here, the payment approval result full text is the payment approval message received from the card company server 485 relaying the payment approval request text received from the payment terminal 400.

According to another exemplary embodiment of the present invention, the providing of the confirmed integrated financial information to the payment terminal 400 is to transmit the confirmed integrated financial information to the payment terminal 400 at the same time as the payment approval result. desirable.

According to the implementation method of the present invention, the generated payment approval result full text is preferably separated through FS (File Separator, 0x1c) in order to generate including the integrated financial information, each of the included in the integrated financial information Preferably, the financial information includes a financial institution code, a type of financial information, and information corresponding to the financial information.

If it is confirmed that the payment approval result does not include integrated financial information (650), the payment terminal 400 transmits the received integrated financial information to a terminal (for example, a mobile phone, etc.) to which a short-range communication channel is connected. In operation 655, the payment approval details included in the full payment approval result may be output on the receipt (or slip) (660).

On the other hand, if it is confirmed that the payment approval result includes the integrated financial information (650), the payment terminal 400 processes the payment approval details included in the payment approval result message to be output on the receipt (or slip). (660).

Here, when providing the integrated financial information to the customer, it is preferable that the authentication process for the customer further comprises, wherein the authentication process for the customer when providing the integrated financial information to the payment terminal 400, the mobile phone of the customer information After further providing the number information, it is preferable to authenticate the terminal connected to the short-range wireless communication channel based on this, or to authenticate based on predetermined password information.

On the other hand, if the integrated financial information request customer confirmation (623), the relay server transmits the confirmed customer information to one or more card company server (485) to request financial information for the card held by the customer (625), one or more Receive and collect financial information confirmed based on the transmitted customer information from the card company server 485 (630), and generates (or extracts) the full text of the payment approval result including the aggregated integrated financial information (635). In operation 640, the payment terminal 400 confirms whether the payment terminal 400 includes integrated financial information in the received payment approval result.

According to the implementation method of the present invention, providing the confirmed integrated financial information to the payment terminal 400, when transmitting the payment approval result full text to the payment terminal 400, to include in the payment approval result full text transmission desirable.

According to another exemplary embodiment of the present invention, the providing of the confirmed integrated financial information to the payment terminal 400 is to transmit the confirmed integrated financial information to the payment terminal 400 at the same time as the payment approval result. desirable.

According to the implementation method of the present invention, the generated payment approval result full text is preferably separated through FS (File Separator, 0x1c) in order to generate including the integrated financial information, each of the included in the integrated financial information Preferably, the financial information includes a financial institution code, a type of financial information, and information corresponding to the financial information.

If it is confirmed that the payment approval result does not include integrated financial information (650), the payment terminal 400 transmits the received integrated financial information to a terminal (for example, a mobile phone, etc.) to which a short-range communication channel is connected. In operation 655, the payment approval details included in the full payment approval result may be output on the receipt (or slip) (660).

On the other hand, if it is confirmed that the payment approval result includes the integrated financial information (650), the payment terminal 400 processes the payment approval details included in the payment approval result message to be output on the receipt (or slip). (660).

Here, when providing the integrated financial information to the customer, it is preferable that the authentication process for the customer further comprises, wherein the authentication process for the customer when providing the integrated financial information to the payment terminal 400, the mobile phone of the customer information After further providing the number information, it is preferable to authenticate the terminal connected to the short-range wireless communication channel based on this, or to authenticate based on predetermined password information.

100: information registration server 105: interface unit
110: interface providing unit 115: information receiving unit
120: information storage unit 125: storage medium
130: client terminal

Claims (5)

In the integrated financial information providing method executed by a server connected to a storage medium in which card information of one or more cards held by a customer and the customer information of the customer are mapped and stored,
Receiving the full payment approval request message containing the card information of the customer from the payment terminal when the payment using any one of the cards held by the customer;
Confirming, from the storage medium, customer information mapped with card information included in the full payment approval request;
Requesting financial information about the card by transmitting the confirmed customer information to one or more card company servers corresponding to the card held by the customer;
Generating integrated financial information by collecting financial information about one or more cards held by the customer received from one or more card company servers;
Transmitting the generated integrated financial information to the payment terminal including the payment approval response message corresponding to the received payment approval request message or to the payment terminal together with the received payment approval request message; Integrated financial information providing method.
The method of claim 1, wherein the integrated financial information,
Method for providing integrated financial information comprising the remaining limit information for each card, the amount of payment information for one or more cards held by the customer.
delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.
In the integrated financial information providing system provided in a server connected to a storage medium in which card information of one or more cards held by a customer and the customer information of the customer are mapped and stored,
Means for receiving the full payment approval request message including the card information of the customer from the payment terminal when the payment is made using one of the cards held by the customer;
Means for confirming, from the storage medium, customer information mapped with card information included in the full payment approval request;
Means for transmitting the confirmed customer information to one or more card company servers corresponding to the card held by the customer to request financial information about the card;
Means for gathering financial information about one or more cards held by the customer received from one or more card company servers to generate integrated financial information;
Means for including the generated integrated financial information in a payment approval response message corresponding to the received payment approval request message to the payment terminal or transmitting the generated integrated financial information to the payment terminal together with the received payment approval request message; Integrated financial information system.

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