KR101302023B1 - Method for Processing Payment Admission of Check Card - Google Patents

Abstract

The present invention relates to a check card payment approval processing method, comprising: a check card payment approval processing method executed by a server capable of reading a check card requested for payment, wherein the payment account of the requested check card is an account opened in a bank; Or checking whether the account is open to an insurance company, and if the payment account is an account opened at a bank, generate a debit authorization request message that can be sent to an account management server provided at the bank, and the payment account is provided to the insurance company. Generating a debit processing approval request message that can be sent to an account management server provided to the insurance company, and managing the payment account of the check card; Sending to the account management server and debit corresponding to the full debit authorization request request from the account management server It includes the step of receiving a re-authorization response message.

Securities, Accounts, Check Cards

Description

Method for Processing Payment Admission of Check Card}

1 is a diagram illustrating a payment network network construction system for operating a securities account as a check card payment account according to an embodiment of the present invention.

2 is a diagram showing database storage information provided in the check card management server according to an embodiment of the present invention.

3 is a diagram illustrating storage medium storage information included in a broker (or insurance company) relay server according to an exemplary embodiment of the present invention.

4 is a diagram illustrating database storage information provided in a securities company (or insurance company) account management server according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a process of generating a full payment approval request message in a payment terminal device and transmitting it to a check card management server according to an embodiment of the present invention.

6 is a diagram illustrating a check card payment approval request specialized structure according to an embodiment of the present invention.

7 is a diagram illustrating a process of generating a debit (or payment) approval request full text (or information) from a check card management server according to an embodiment of the present invention and transmitting it to a broker (or insurance company) relay server.

8 is a diagram illustrating a process of transmitting a full debit processing (or payment) approval request from a securities company (or insurance company) relay server to a securities company (or insurance company) account management server according to an embodiment of the present invention.

9 is a diagram illustrating a check card debit processing (or payment) approval request specialized structure defined between a check card management server and a brokerage company (or insurance company) relay server (or brokerage company server) according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of transmitting a full debit (or payment) approval response message from a securities company (or insurance company) account management server to a securities company (or insurance company) relay server according to an embodiment of the present invention.

11 is a diagram showing a check card payment approval processing system using a relay server according to an embodiment of the present invention.

12 is a diagram illustrating a process of generating and transmitting a full debit processing (or payment) approval response message by interworking with a securities company (or insurance company) server from a securities company (or insurance company) relay server according to an exemplary embodiment of the present invention.

13 is a diagram illustrating a check card payment approval processing system according to another embodiment of the present invention.

14A and 14B illustrate a check card debit processing (or payment) approval request specialized structure defined between a check card management server and a relay server (or a securities company server) according to an embodiment of the present invention.

15 is a diagram illustrating a process of generating a debit processing (or payment) approval request full text (or information) from a check card management server and transmitting the same to a relay server according to an embodiment of the present invention.

16 is a diagram illustrating a process of transmitting a full debit processing (or payment) approval request message from a relay server to an account management server according to an embodiment of the present invention.

17 is a diagram illustrating a payment network network construction system for operating a securities account as a check card payment account according to another embodiment of the present invention.

18 is a diagram illustrating a process of generating a debit processing (or payment) approval request full text (or information) from a check card management server and transmitting the same to a relay server according to another embodiment of the present invention.

19 is a diagram illustrating a process of generating and transmitting a full debit processing (or payment) approval response message in connection with an account management server in a relay server according to an exemplary embodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

1300: relay server 1305: professional receiver

1310: professional reader 1315: professional transmitter

1320: information verification unit 1325: professional generation unit

1330: information storage unit

The present invention relates to a check card payment approval processing method, comprising: a check card payment approval processing method executed by a server capable of reading a check card requested for payment, wherein the payment account of the requested check card is an account opened in a bank; Or checking whether the account is open to an insurance company, and if the payment account is an account opened at a bank, generate a debit authorization request message that can be sent to an account management server provided at the bank, and the payment account is provided to the insurance company. Generating a debit processing approval request message that can be sent to an account management server provided to the insurance company, and managing the payment account of the check card; Sending to the account management server and debit corresponding to the full debit authorization request request from the account management server It includes the step of receiving a re-authorization response message.

In the existing check card payment approval, the card company receives a check card-based payment approval request message sent from the affiliated store, confirms the account (eg, bank account) corresponding to the check card number, and manages the account. The bank requested the debit card authorization.

Recently, as the utilization of the securities account managed by a securities company (or insurance company) has been sought from various angles, a method of using the securities account as a check card payment account has been studied.

However, in order to use a securities account as a check card payment account, each card company needs to establish a separate system for transmitting the check card payment approval data to several securities companies (or insurance companies), and also to a securities company (or insurance company). ) Also needs to have a separate system for receiving check card payment authorization data from the card company.

In addition, it is also necessary to configure a network for connecting a card company and a number of securities companies (or insurance companies), for which a lot of initial investment is inevitable.

The check card payment approval processing method according to the present invention is a check card payment approval processing method executed by a server that can read a check card requested for payment, wherein the payment account of the check card requested for payment is an account opened in a bank; Checking whether the account is open to an insurance company, and if the payment account is an account opened at a bank, generate a debit authorization request message that can be transmitted to an account management server provided at the bank, and the payment account is opened at an insurance company; Generating a debit processing approval request message that can be transmitted to an account management server provided to the insurance company in the case of an account opened in the insurance company; and managing the payment account of the check card using the generated debit processing approval request text; Sending to the management server and debit processing approval corresponding to the full debit authorization request request from the account management server It is receiving specialized in providing answers.

The check card payment approval processing method according to the present invention is a check card payment approval processing method executed by a server that can read a check card requested for payment, wherein the payment account of the check card requested for payment is an account opened in a bank; Checking whether the account is open to an insurance company, and if the payment account is an account opened at a bank, generate a debit authorization request message that can be transmitted to an account management server provided at the bank, and the payment account is opened at an insurance company; Generating a debit processing approval request message that can be transmitted to an account management server provided to the insurance company in the case of an account opened in the insurance company; and managing the payment account of the check card using the generated debit processing approval request text; Sending to the management server and debit processing approval corresponding to the full debit authorization request request from the account management server It includes receiving a professional answer.
In the check card payment approval processing method according to the present invention, the debit processing approval request full text, the debit processing approval request text that can be sent to the account management server of the bank and the debit processing approval request text that can be sent to the account management server of the insurance company; Information items included in the common area corresponding to the information items commonly included in the document, and the debit processing approval request text that can be transmitted to the account management server of the bank and the debit processing approval request text that can be transmitted to the account management server of the insurance company. It comprises a separate area corresponding to the.

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The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. 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 book.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention.

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.

For example, each means constituting the present invention is used by transforming it into a functional component provided in a predetermined server (or device). As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are progressive. It is merely one means for efficiently explaining the technical spirit of the present invention to those of ordinary skill in the art.

1 is a diagram illustrating a payment network network construction system for operating a securities account as a check card payment account according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a predetermined payment approval request text for a check card payment processing at a merchant provided with a predetermined payment terminal device 198, and the payment approval request text is transmitted through a predetermined payment network. Or a check card management server 135 provided at a financial company), the check card management server 135 processes the check card information stored in a predetermined database in association with the check card included in the full payment approval request. (E.g., card number, linked account information, etc.) determines whether the check card is associated with the securities account or the check card is linked with the bank account, so that the check card information (e.g., card number, linked account information, etc.) In the case of the check card associated with the, the debit processing authorization request in accordance with the check card payment approval request generated by the securities company (or insurance company) relay server 100 And a member securities company (or insurance company) code included in the debit processing (or payment) approval request message by reading the full debit processing (or payment) approval request message from the broker (or insurance company) relay server 100, and / Or check the member securities account number, etc., transmits the entire debit processing (or payment) approval request to the confirmed securities company (or insurance company) account management server 175, the securities company (or insurance company) account management server ( In step 175, the read debit (or payment) authorization request text is read, the account information and the authorization request amount associated with the check card are read, and the balance of the read securities account is inquired, thereby reading the read amount. Determining whether debit processing (or payment) is possible, generating an approval response message corresponding to the determination result, and relaying the generated message to the securities company (or insurance company) Server 100 or is characterized in that illustrates an exemplary method for a system configured to transfer to the check card management server 135.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 1 to infer various payment network network construction system configurations for operating the securities account as a check card payment account. It will be appreciated, however, that the present invention encompasses all of the inferred practice methods and is not limited to the practice method shown in FIG.

Referring to FIG. 1, the system is provided in at least one affiliated store, and is connected to a payment terminal device 198 providing a check card payment through a predetermined payment network (eg, a value added network (VAN)). A card company (or financial company) that issues a check card interworking with a securities account of a predetermined securities company (or insurance company) account management server 175 receives a check card payment approval request message transmitted from the payment terminal device 198. And reading the check card information included in the received check card payment approval request text, and whether the check card is a check card associated with a securities account of the securities company (or insurance company) account management server 175 or of a bank server. Determine whether the check card associated with a bank account, and if the check card is a check card associated with the securities account, the at least one securities company (or insurance company) account management server A check card management server 135 that transmits the check card-based debit processing (or payment) authorization request message to the securities company (or insurance company) relay server 100 connected to the unit 175 and manages the securities account associated with the check card. And at least one securities company (or insurance company) account management server 175 operating through a predetermined network (eg, a financial common network, the Internet, a dedicated line, etc.), and the payment from the check card management server 135. Receive a full debit (or payment) authorization request in accordance with the authorization request, read the received debit (or payment) authorization request, and obtain a securities company (or insurance company) code from the full debit (or payment) authorization request. And / or read the account information, check the securities company (or insurance company) account management server 175 corresponding to the read securities company (or insurance company) code and / or account information, The securities company (or insurance company) relaying server 100 and the at least one securities account associated with a check card to transmit the debit processing (or payment) authorization request message to the previously confirmed securities company (or insurance company) account management server 175. Manage and operate, and receives the debit (or payment) approval request text sent from the broker (or insurance company) relay server 100, read the received debit (or payment) approval request text, Read the account information and the debit processing amount information from the full debit (or payment) authorization request, check the balance of the read account to determine whether or not debit processing (or payment) corresponding to the read amount, After generating an approval response message corresponding to the determination result, the generated message is transmitted to the securities company (or insurance company) relay server 100 or the check card management server 135. The securities firm (or insurance company) is preferably made to include a server management server (175).

Here, the payment terminal device 198 generates a predetermined payment approval request message as shown in Figure 6 below including the check card information, payment information and merchant information for the electronic payment processing, the generated payment approval request The electronic payment processing function is provided to transmit the full text to the check card management server 135 through a predetermined payment network and to receive a predetermined payment approval text corresponding to the full payment approval request text through the payment network. It features. According to an embodiment of the present invention, the payment terminal device 198 preferably comprises a credit authorization terminal (CAT) provided in the affiliated store.

The check card management server 135 is provided to a card company (or financial company) to perform a payment process using a check card associated with the security account, a predetermined network (eg, at least one card company ( Or a securities company (or insurance company) relay server 100 linked with the at least one securities company (or insurance company) account management server 175 through a dedicated communication network connecting a financial company) and a securities company (or insurance company) relay server 100). It is characterized in that the connection with.

According to an embodiment of the present invention, the check card management server 135 stores the check card information associated with the securities account and / or the securities account information in association with each other, and stores at least one bank account information. And / or store and manage the check card information and / or the securities account information associated with the securities account through a predetermined network and / or interface means, and store and manage at least one bank account. It is desirable to work with a database server that stores and manages information.

According to the present invention, the check card management server 135 comprises at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). All are possible, and the present invention is not limited thereby.

In more detail with reference to Figure 1, the check card management server 135 is a check card-based payment approval request from the payment terminal device 198 provided in at least one or more affiliated stores through a predetermined payment network (eg, VAN, etc.) A text receiving unit 140 for receiving a full text, an information reading part 145 for extracting a check card number and predetermined payment amount information by reading the full text of a payment approval request, and a check card management server 135; Inquiry of at least one or more securities account information and bank account information stored in a database (or a database server interworking with the check card management server 135), and cooperative processing corresponding to the check card information including the extracted check card number. Whether the check card requested for payment approval is a check card linked to the securities account, Account information confirmation unit 155 to check whether the account and the associated account is a check card, at least one securities company (or insurance company) account management server (if the payment approval request check card is confirmed as a check card associated with the securities account ( 175) to generate and send a debit processing approval request message for the balance inquiry request for the securities account associated with the check card to the securities company (or insurance company) relay server 100, and the securities company (or insurance company) relay server If the debit authorization response message including the balance inquiry result for the securities account associated with the check card is received from 100, the check for approving the payment processing of the check card with reference to the received debit authorization response message. Card payment approval unit 150 may be included.

In this case, when the check card requested for payment approval is a check card associated with a bank account, the check card payment approval unit 150 sends a bank server corresponding to the bank account. Sending the full debit authorization request message, and receiving the debit authorization response message including the balance inquiry result for the bank account associated with the check card from the bank server, the received debit authorization response It is desirable to read the full text and approve the payment process of the check card.

In addition, according to an embodiment of the present invention, the check card management server 135 is a full text generation unit for generating a predetermined payment approval full text including a payment approval result generated by the check card payment approval unit 150 ( 165, and a specialized transmission unit 160 for transmitting the generated payment approval message to the payment terminal device 198 of the affiliated store through the payment network.

The specialized receiving unit 140 is provided through a predetermined payment network (eg, a VAN) according to a check card payment transaction protocol defined between the payment terminal device 198 and the check card management server 135 provided at the affiliated store. Characterized in that it receives a check card-based payment approval request full text as shown in Figure 6 below from the payment terminal device 198, the received payment approval request full text is provided to the information reading unit 145.

The information reading unit 145 reads the payment approval request text in order to determine whether the check card requested for payment approval is a check card associated with a securities account according to the present invention or a check card associated with an existing bank account. By reading the check card number from the full payment approval request.

The information reading unit 145 may further read the payment amount information requested for payment approval from the full payment approval request message, and the extracted check card number and payment amount information may be used in the account information verification unit ( 155).

The account information checking unit 155 may include at least one check card information stored in a database (or a database server interworking with the check card management server 135) provided in the check card management server 135 and the securities corresponding thereto. By querying the account information or bank account information, it is characterized in that whether the account associated with the payment request card approval request is a securities account or bank account.

According to the method of the present invention, the account information checking unit 155 is a securities company (or insurance company) corresponding to the securities account information or the securities account, if the account associated with the check card requested for payment approval is confirmed as a securities account; ) Further checks the information, and transmits the check result to the check card payment approval unit 150.

The check card payment approval unit 150 checks the check card number and the securities account information when the check card requested for payment approval is confirmed as the check card associated with the securities account. Or a predetermined message (eg, a debit processing (or payment) approval request message) including a securities company information corresponding to a securities account) and the payment amount information requested for payment approval, and the like, and a predetermined network (eg, finance). A dedicated line between the network or the check card management server 135 and the securities company (or insurance company) relay server 100) may be transmitted to the securities company (or insurance company) relay server 100.

Here, the preamble is a check card number item, a card company account number item to be withdrawn from the member account and the authorization request amount is deposited, and a payment amount received from the payment terminal device 198 through the check card payment approval request message. Approval request amount according to the item, the member securities company (or insurance company) code item extracted from the card company database based on the check card number, the member securities account number item, the member branch code item, the member bank statement content item, etc. It may be configured to include, and the full text is between the check card management server 135 and the securities company (or insurance company) relay server 100 (and / or securities company (or insurance company) account management server 175) It is preferable that the check card payment approval unit 150 is transmitted to the securities company (or insurance company) relay server 100 based on the defined transaction protocol. The.

According to another exemplary embodiment of the present invention, if the check card payment approval unit 150 confirms that the check card requested for payment approval is a check card associated with the securities account, as a result of the checking of the account information checking unit 155 , Check card number information, card company account number information to be withdrawn from the member account and the payment processing process, and the approval request amount information according to the payment amount received from the payment terminal device 198 through the payment approval request message; And the securities company (or insurance company) the member securities company (or insurance company) code information extracted from the card company database, the member securities account number information, the member branch code information, the member bank account information, and the like based on the check card number. ) Can be sent to the relay server 100, request debit processing (or payment) approval, in this case, the securities company (or insurance company) relay server 100 is the The debit processing (or payment) authorization request message including the information transmitted from the credit card payment approval unit 150 is configured to constitute a predetermined network (eg, a financial network or a check card management server 135 and a securities company (or an insurance company). A) a dedicated line between the relay servers 100, etc.) may be transmitted to the securities company (or insurance company) account management server 175 corresponding to the member securities company (or insurance company) code information.

According to the method of the present invention, the check card payment approval unit 150 balances a balance corresponding to the request for checking the balance of the securities account associated with the check card from the broker (or insurance company) relay server 100 through the network. Receive an inquiry result (or a predetermined message including a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card (eg, a debit authorization response message)), and receive the check The balance inquiry result corresponding to the balance inquiry request of the securities account associated with the card is transmitted to the full text generation unit 165.

According to an exemplary embodiment of the present invention, a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card (or a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card) is included. The predetermined text) preferably includes a check card-based payment processing approval result for the payment approval request amount sent when the balance inquiry request of the securities account associated with the check card is performed.

According to another exemplary embodiment of the present invention, a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card (or a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card) is included. Predetermined text) may include the check card-based payment processing rejection result and / or payment processing error code.

For example, the securities company (or insurance company) account management server 175, if the balance of the predetermined customer securities account associated with the check card is less than the payment approval request amount, the check card-based payment processing rejection result and / or payment processing Generate a payment processing approval result (or full text) including an error code and send it to the broker (or insurance company) relay server 100, and the broker (or insurance company) relay server 100 receives the payment processing approval result (or full text). ) May be transmitted from the securities company (or insurance company) account management server 175 corresponding to the check card (or the securities account associated with the check card) to the check card management server 135.

According to the present invention, the brokerage company (or insurance company) relay server 100 is at least one brokerage company (or insurance company) account management server 175 and a predetermined network (eg, at least one brokerage company (or insurance company) and brokerage company (or Insurance company) is connected to the at least one securities company (or insurance company) account management server 175 through a dedicated communication network connecting the relay server 100, etc.).

According to an embodiment of the present invention, the relay server 100 may include the check card information (or stock account information associated with the check card information) and the check card information (or stock account information associated with the check card information). A storage medium 130 for storing securities company information corresponding to the check card information (or securities account information associated with the check card information) and / or through a predetermined network and / or interface means. And interoperating with a storage medium operating means for cooperatively storing and managing securities company information corresponding to card information (or securities account information associated with the check card information).

According to the present invention, the securities company (or insurance company) relay server 100 comprises at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). The present invention is not limited thereto.

In more detail with reference to Figure 1, the brokerage company (or insurance company) relay server 100 from the check card management server 135 and the check card number and securities account information (or securities company information corresponding to the securities account), A predetermined text (eg, debit processing (or debit processing) including the payment amount information requested for payment approval (or the check card number and the securities account information (or the securities company information corresponding to the securities account)) and the payment amount information requested for payment; A professional receiving unit 105 for receiving a full payment) approval request, etc.), a professional reading unit 120 for reading a securities company (or insurance company) code from the received debit (or payment) approval request full text, and the storage medium. An information confirmation unit 110 for confirming a securities company (or insurance company) account management server 175 corresponding to the securities company (or insurance company) code read by the professional reader 120 in conjunction with 130; It may be configured to include a specialized transmission unit 115 for transmitting the entire debit processing (or payment) approval request to the confirmed securities company (insurance) account management server 175.

In addition, the securities company (or insurance company) relay server 100 is associated with at least one securities company (or insurance company) code information and the securities company (insurer) account management server 175 connection information by a predetermined storage medium 130 It may be configured to further include an information storage unit 125 to store and manage.

In addition, according to the implementation method of the present invention, the securities company (or insurance company) relay server 100 is the professional transmission unit 115 to the securities company (or insurance company) account management server 175 the debit processing (or payment) After sending the full request for approval, in response to the securities company (or insurance company), the account balance check result for the check card payment transmitted from the account management server 175 (or the balance account inquiry for the check card payment) A professional receiving unit 105 for receiving a predetermined debit processing approval response message including a result and a security account balance inquiry result (or a security for payment for the check card) received by the professional receiving unit 105 It may be configured to further include a specialized transmission unit 115 for transmitting a predetermined debit processing authorization response message (including the balance remaining results) to the check card management server 135; There.

The specialized receiver 105 is a predetermined network from the check card management server 135 (for example, a dedicated line between the financial network or check card management server 135 and the brokerage company (or insurance company) relay server 100, etc.) Based on the transaction protocol defined between the check card management server 135 and the broker (or insurance company) relay server 100 (and / or broker (or insurance company) account management server 175) as shown in FIG. , A check card number item, a card company account number item to be withdrawn and processed from a member account, and an approval request according to a payment amount received from a payment terminal device 198 through the check card payment approval request message; An amount of money item, a member securities company (or insurance company) code item extracted from the card company database based on the check card number, a member securities account number item, a member branch code item, Receiving a predetermined debit processing (or payment) approval request text including a membership account factor content item and the like.

According to the present invention, the payment terminal through the check card number item received by the specialized receiving unit 105, the card company account number item to be withdrawn and processing the authorization request amount from the member account, the payment terminal through the full check card payment approval request An authorization request amount item according to the payment amount received from the device 198, a member securities company (or insurance company) code item extracted from the card company database based on the check card number, a member securities account number item, and a member branch code A predetermined debit processing (or payment) authorization request text including an item and a member bank account content item is provided to the full text reader 120.

The specialized reading unit 120 through the professional receiving unit 105 through the check card number item, the authorization request amount is withdrawn from the member account card company account number item to be deposited and processed through the check card payment approval request message The authorization request amount item according to the payment amount received from the payment terminal device 198, the member securities company (or insurance company) code item extracted from the card company database based on the check card number, the member securities account number item, the member When a predetermined debit processing (or payment) authorization request message including a branch code item and a member account printing contents item is received, the debit processing (or payment) authorization request text is read and the check card number item is read from the full text. And / or read the member securities company (or insurance company) code item and / or the member securities account number item.

When the information check unit 110 reads the check card number item and / or member securities company (or insurance company) code item and / or member securities account number item from the full message through the full text reader 120, The securities company (or insurance company) account management server 175 corresponding to the read check card number item and / or member securities company (or insurance company) code item and / or member securities account number item in conjunction with the storage medium 130; It is characterized by checking.

According to the present invention, the securities company (or insurance company) account management server 175 is a securities company (or insurance company) relay server 100 and a predetermined network (eg, financial network or securities company and securities company (or insurance company) relay server 100) It is characterized in that it is connected to the brokerage company (or insurance company) relay server 100 through a dedicated communication network, such as to connect.

According to an embodiment of the present invention, the securities company (or insurance company) account management server 175 may include at least one or more customer information, at least one or more securities account information corresponding to each customer, and a check card associated with the securities account. A database for storing information and / or associated with said at least one customer information, at least one or more securities account information corresponding to said each customer, via a predetermined network and / or interface means; It is characterized in that it works in conjunction with a database server for storing and managing check card information in association.

According to the present invention, the securities company (or insurance company) account management server 175 comprises at least one or more servers (or devices), and / or a predetermined configuration of the functional unit according to the invention server (or device) It is possible to include all, and the present invention is not limited thereby.

According to the implementation method of the present invention, the securities company (or insurance company) account management server 175 is characterized in that at least one or more securities account associated with the check card is opened, and the securities company (or insurance company) account management server 175 is the securities company (or insurance company) through a predetermined network (eg, a dedicated network connecting the financial network or securities company (or insurance company) account management server 175 and the securities company (or insurance company) relay server 100, etc.) A predetermined amount including a check card payment approval request amount item from the relay server 100, the member securities company (or insurance company) code item, the member securities account number item, the member branch code item, the member bank statement content item, etc. Receiving unit 185 for receiving a full debit (or payment) authorization request, and opening and managing at least one securities account held by the securities company (or insurance company) customer. Perform the management and operation, and read the received debit (or payment) approval request, read the securities account information and debit processing amount information from the debit (or payment) approval request, and read the By checking the balance of the account and comparing the balance of the securities account and the payment amount, it is determined whether the debit processing corresponding to the read amount is possible, and the account management unit 190 and the determination result of the account management unit 190. After generating an approval response message to the account, including the account inquiry result transmission unit 180 for transmitting the generated approval response message to the securities company (or insurance company) relay server 100 or the check card management server 135 Can be configured.

Here, the account management unit 190, the check card payment approval request amount item received through the receiving unit 185, the member securities company (or insurance company) code item, member securities account number item, member point A database provided in the securities company (or insurance company) account management server 175 that reads out the member securities account number from a predetermined debit processing (or payment) authorization request message including a code item and a member bank statement contents item, etc. (Or a database server interworking with the securities company (or insurance company) account management server 175), first check the validity of the read member securities account, and if the validity of the member securities account is confirmed, By reading the payment authorization request amount from the full debit (or payment) authorization request and comparing it with the balance deposited in the member securities account Characterized in that the balance of the balance deposited in the securities account and the payment result requested for payment approval (for example, check card debit processing error due to insufficient balance) is characterized in that it is transmitted to the account inquiry result transmission unit 180.

The transmission unit 180 receives the debit (or payment) received by the receiving unit 185 based on a comparison result of the balance deposited in the securities account transferred from the account manager 190 and the payment amount requested for payment. The debit processing response response message corresponding to the approval request message is generated and transmitted to the relay server 100 (or the check card management server 135).

Here, it is preferable that the generated debit authorization response preamble includes the normal processing or the error processing history.

2 is a diagram illustrating database storage information provided in the check card management server 135 according to the embodiment of the present invention.

2 is stored information stored in a database 170 included in the check card management server 135 or stored in a database server interworking with the check card management server 135 through a predetermined network and / or interface means. In the drawings, the stored information stored in the database or the database server is stored in association with the check card information and / or the securities account information associated with a predetermined securities account according to the present invention. It is characterized by including the bank account information.

According to an embodiment of the present invention, the securities account information is characterized by including the member securities company (or insurance company) code information, member securities account number information, member branch code information, the information is checked A securities company (or insurance company) included in a predetermined debit processing (or payment) authorization request message generated by the check card settlement approval unit of the card management server 135 and connected to at least one securities company (or insurance company) account management server 175. It is transmitted to the relay server 100.

Through the database shown in FIG. 2, the check card management server 135 checks whether the card number included in the full payment approval request message transmitted from the payment terminal device 198 provided at the affiliated store is a check card number or a credit card number. When the payment approval request is a check card-based payment approval request, the check card management server 135 checks the account information corresponding to the check card number with reference to the database, and checks the check. It is determined whether the account associated with the card is a bank account or a securities account according to the present invention.

3 is a diagram illustrating storage medium storage information included in a broker (or insurance company) relay server 100 according to an exemplary embodiment of the present invention.

3 is stored in the storage medium 130 provided in the broker (or insurance company) relay server 100 or interworked with the broker (or insurance company) relay server 100 through a predetermined network and / or interface means. A diagram illustrating a relationship between storage information stored in a storage medium operating means, wherein the storage information stored in the storage medium 130 or the storage medium operating means is linked with the check card information (or the check card information) according to the present invention. At least one securities company (or insurance company) information (eg, securities company (or insurance company) name, securities company (or insurance company)) corresponding to the securities account information) and the check card information (or the securities account information associated with the check card information). Unique code, securities company (or insurance company) access information, etc.) is characterized in that the interlocking with the storage medium operating means for processing and storing.

According to the present invention, if the debit processing (or payment) approval request message is transmitted from the check card management server 135, the securities company (or insurance company) relay server 100 includes a check card included in the debit processing approval request message. Number and / or securities company (or insurance company) code and / or securities account number and / or securities company (or insurance company) branch code, and the like, and with reference to the storage medium shown in FIG. Securities company (or insurance company) information (eg, securities company (or insurance company) account management server 175 connection information, etc.) corresponding to the securities company (or insurance company) code and / or securities account number and / or securities company (or insurance company) branch code It is characterized by checking).

4 is a diagram illustrating database storage information included in a securities company (or insurance company) account management server 175 according to an embodiment of the present invention.

4 is stored in a database 195 included in the brokerage company (or insurance company) account management server 175 or interworked with the brokerage company (or insurance company) account management server 175 through a predetermined network and / or interface means. A diagram showing a relationship between stored information stored in a database server, wherein the stored information stored in the database or the database server includes at least one customer information and at least one stock account management information corresponding to each customer (eg, , A securities account number, a securities account set-up report, a securities account deposit and withdrawal details, etc.) and check card information associated with the securities account.

In addition, the database 195 is preferably configured to further include the securities company (or insurance company) information, the securities company (or insurance company) information, the securities company (or insurance company) code and securities company (or insurance company) branch code, etc. It is characterized in that it is stored.

5 to 10 are payment terminals provided in at least one affiliate store based on a system configuration for processing a check card payment shown in FIG. 1 through a securities company (or insurance company) account associated with the check card. When the device 198 transmits the check card payment approval request message to the check card management server 135, the check card payment approval request message sent from the payment terminal device 198 by the check card management server 135. Read the check card information (eg, a check card number) included in the check card, and determine whether the check card is a check card associated with a securities account of the securities company (or insurance company) or a bank account; If is a check card linked to a securities company (or insurance company) securities account, the preferred implementation to process the payment through the securities account linked to the check card It will be described by illustrating the method.

FIG. 5 is a diagram illustrating a process of generating a full payment approval request message in a payment terminal device 198 and transmitting it to the check card management server 135 according to an embodiment of the present invention.

Specifically, FIG. 5 illustrates an embodiment of a process of transmitting the full check card payment approval request message from the illustrated payment terminal device 198 to the check card management server 135 based on the system configuration shown in FIG. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to generate the full text of the check card payment approval request in the payment terminal device 198 as intended by those skilled in the art. By way of example, various implementation methods for transmitting to the check card management server 135 may be inferred, but the present invention is not limited to the inferred implementation method.

Referring to FIG. 5, the payment terminal device 198 recognizes a card equipped with a predetermined check card payment means through a predetermined card reader, reads the check card payment means information from the card (500), Receive check card payment information including a payment amount through a predetermined key input device, and / or receive a payment amount from a predetermined POS terminal (505), and from a memory unit provided in the payment terminal device (198). Merchant information including the terminal number (or affiliate store number) is extracted (510).

The payment terminal device 198 generates a predetermined check card payment approval request message including the check card payment means information, the check card payment information, and the affiliated store information (515), and generates the generated payment approval request message. To transmit to the check card management server 135 provided in the card company (or financial company) that issued the check card through a predetermined payment network (520).

Here, an example of the full check card payment approval request generated from the payment terminal device 198 will be described in more detail with reference to FIG. 6.

6 is a view illustrating a check card payment approval request specialized structure according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a predetermined payment network generated by a predetermined payment terminal device 198 including a credit authorization terminal (CAT) for processing a check card payment through the process of FIG. For example, an exemplary method for a check card payment approval request specialized structure transmitted to a card company (or a financial company) through a value added network (VAN) is illustrated.

Preferably, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for a check card payment approval request specialized structure according to the intention to those skilled in the art. However, the present invention includes all the implementation methods inferred above, and this check card payment approval request specialized structure is not limited to that illustrated in FIG.

Referring to Figure 6, the check card payment approval request full-text structure is at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and the end character (ETX (End of TeXt), 0X03) And after the terminating character, a checksum (CRC-CCITT) for the specialized information may be further included.

In addition, the full check card payment approval request may include transaction classification items (eg, check card payment request, check card payment cancellation, etc.) related to the check card payment, a Terminal_ID item for the payment terminal device 198, and a POS entry. Mode item and TRACK II Data item (e.g., PAN (Primary Account Number) area of TRACK II of MS card) corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 198 And check card information obtained from an Additional Data (AD) and / or Discretionary Data (DD) area, or check card information obtained from a check card file of an IC card.

In addition, the full check card payment approval request includes an installment months item, a total payment amount item, and a service fee item corresponding to the check card payment information after a predetermined FS (File Separator, 0X1C). Item, a password item, a product code item and a document serial number item.

Those skilled in the art to which the present invention pertains will be able to clearly understand the details of the above items based on the contents shown in FIG. 6, and thus the detailed description thereof will be omitted.

7 is a diagram illustrating a process of generating a debit (or payment) approval request message (or information) from a check card management server 135 and transmitting it to a broker (or insurance company) relay server 100 according to an embodiment of the present invention. One drawing.

In more detail, Figure 7 is based on the system of Figure 1 described above in the check card management server 135 receives the full check card payment approval request from the payment terminal device 198 through the process shown in FIG. The debit processing corresponding to the check card payment approval request by checking the received check card payment approval request and the securities account information or the bank account information stored in the database provided in the check card management server 135 ( Or payment) to generate the approval request message, and determine whether to transmit the generated check card debit processing (or payment) approval request message to the securities company (or insurance company) relay server 100 or the bank server according to the present embodiment. In the process of transmitting the full debit (or payment) approval request to the securities company (or insurance company) relay server 100 or bank server associated with the check card. An exemplary method did.

Preferably, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to at least the check card payment approval request information (or full check card payment approval) according to the intention of the person skilled in the art. One or more securities firms (or insurance companies) can be inferred from the various implementation methods for transmitting to the securities company (or insurance company) relay server 100 in conjunction with the account management server 175, the present invention is limited by the inferred implementation method Not.

Referring to FIG. 7, when the check card management server 135 receives a predetermined check card payment approval request message as shown in FIG. 6 from the payment terminal device 198 through a predetermined payment network (700) In step 705, the received payment approval request message structure is read to extract the check approval card number from the payment approval request message.

The check card management server 135 interoperates with a database (or database server) provided in the check card management server 135 based on the extracted check card number, and corresponds to an account corresponding to the check card number. By checking the information (eg, account issuance, management and operation subject), it is determined whether the account associated with the check card requested for payment is a securities account or a general bank account according to the present invention (710).

The check card management server 135 checks the account information associated with the check card in conjunction with the database, and when the account associated with the check card is identified as a bank account (715), the bank corresponding to the bank account The server generates a debit processing (or payment) authorization request message corresponding to the check card payment approval request to the bank server and checks the balance information of the bank account associated with the check card (720).

On the other hand, as a result of checking the account associated with the check card in the check card management server 135, the account associated with the check card to the securities account managed and operated by a certain securities company (or insurance company) according to the present invention. If it is confirmed (715), the check card management server 135 is processed in association with the check card from the database stored in the account information (eg, account number, etc.) or securities company (or insurance company) information (eg, securities company (or Insurance company) code, etc.) (725).

When the securities account information (e.g., securities account number, etc.) and / or securities company (or insurance company) information (e.g., securities company (or insurance company) code, etc.) stored in association with the check card is extracted through the process, the check card The management server 135 generates a full debit (or payment) approval request corresponding to the check card payment approval request and transmits it to the securities company (or insurance company) relay server 100 according to the present embodiment as shown in FIG. By doing so, the client requests to check the balance information of the bank account associated with the check card (730).

According to one embodiment of the present invention, the debit processing (or payment) approval request text generated by the check card management server 135 includes a check card payment approval request amount item, the member securities company (or insurance company) code item and the like. It is preferable to include a member securities account number item, a member branch code item, a member bank statement content item, and the like.

Further, according to another embodiment of the present invention, the check card management server 135 replaces the debit processing (or payment) approval request text, the check card payment approval request amount information, and the member securities company (or insurance company) ) Code information, member securities account number information, member branch code information, member bank account information, etc. can be provided to the securities company (or insurance company) relay server 100, in this case, the debit processing (or Payment) approval request is generated in the securities company (or insurance company) relay server 100, the securities company (or insurance company) relay server 100 in the securities company (or insurance company) code information and / or member securities account number information It is preferably sent to the corresponding securities company (or insurance company) account management server 175.

8 is a diagram illustrating a process of transmitting a full debit (or payment) approval request from a securities company (or insurance company) relay server 100 to a securities company (or insurance company) account management server 175 according to an embodiment of the present invention. to be.

8 is a check card number item, a check card payment approval request amount item, and the member from the check card management server 135 in the broker (or insurance company) relay server 100 through the process shown in FIG. Upon receipt of a check card debit processing (or payment) authorization request message including a securities company (or insurance company) code item, a member securities account number item, a member branch code item, a member bank statement content item, and the like, the received debit The member securities company (or insurance company) code item and / or member securities account number item and / or member branch code item, etc. are read from the entire processing (or payment) approval request, and the read check card number and / or member securities company ( Or an insurance company) and / or a securities company (or insurance company) information corresponding to a member securities account number and / or a member branch code, and the like. Insurance company) is an exemplary method for by the account management server 175, the process of transferring the debit process (or payment) authorization request professional.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to complete the debit processing (or payment) approval request in accordance with the check card payment approval request according to the intention of the skilled person. Various implementation methods of transmitting to the securities company (or insurance company) account management server 175 corresponding to the approved check card (or securities account associated with the check card) may be inferred. It is not limited by the implementation method.

According to the implementation method of the present invention, the brokerage company (or insurance company) relay server 100 is a check card management server through a predetermined network (for example, a dedicated network connecting the financial network or brokerage company and relay server 100, etc.) If the full debit (or payment) authorization request is received from (135) (800),

The securities company (or insurance company) relay server 100 is a check card number item and / or the member securities company (or insurance company) code item and / or member securities account number items included in the received debit (or payment) authorization request full text And / or read the member branch code item and link the read check card number and / or the member brokerage company (or insurance company) code and / or member in association with a database provided in the brokerage company (or insurance company) relay server 100. Check the securities company (or insurance company) information corresponding to the securities account number and / or member branch code (805).

Through the above process, the securities company (or insurance company) information corresponding to the member securities company (or insurance company) code and / or member securities account number and / or member branch code included in the received debit (or payment) authorization request text is entered. If confirmed, the broker (or insurance company) relay server 100 from the database to the confirmed broker (or insurance company) information (eg, broker (or insurance company) name, broker (or insurance company) account management server 175 access information (URL), etc.), and transmits the full debit (or payment) authorization request message to the securities company (or insurance company) account management server 175 with reference to the extracted securities company (or insurance company) information. In step 815, an inquiry about the securities account associated with the check card is requested.

Then, the securities company (or insurance company) account management server 175 receives the full debit processing (or payment) approval request transmitted from the securities company (or insurance company) relay server 100 (820), the received debit processing (Or payment) The securities account number to be inquired by reading the securities account number included in the full approval request is confirmed (825).

As described above, when the securities account number to be checked is confirmed, the securities company (or insurance company) account management server 175 inquires the balance of the checked securities account, the balance of the inquiry and the debit processing (or payment) The balance inquiry result is derived by comparing the payment approval request amount included in the full approval request (830).

In addition, the securities company (or insurance company) account management server 175 includes the result of the balance inquiry result, and generates a full debit (or payment) approval response message corresponding to the entire debit (or payment) approval request message. The securities company (or insurance company) transmits to the relay server 100 (835).

9 is a check card debit processing (or payment) approval request specialized structure defined between the check card management server 135 and the brokerage firm (or insurance company) relay server 100 (or brokerage firm server) according to an embodiment of the present invention. The illustrated figure.

In more detail, FIG. 9 shows a securities company having a check card management server 135 provided at the card company (or financial company), the securities company (or insurance company) relay server 100 and / or a member account associated with a check card ( Or insurance company) account management server 175, a diagram illustrating an implementation method for the debit (or payment) approval request specialized structure generated and transmitted in response to the check card payment approval request.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer the full text of various debit (or payment) authorization requests to those skilled in the art according to the intention. The invention includes, but is not limited to, all the methods of inferred above.

According to an embodiment of the present invention, the debit processing (or payment) approval request message is a check card management server that receives a check card-based payment approval request message from the payment terminal device 198 in the process of FIG. In step 135, a check card number and a payment approval request amount are read from the received payment approval request text, and a stock account number and / or a securities company previously stored in a database provided in the card company in response to the read check card number. Or an insurance company) code and / or a securities company (or insurance company) branch code, and the like, and the check card number and payment authorization request amount and the extracted account number and / or securities company (or insurance company) code and / or securities company (or insurance company). ) Generate the debit processing (or payment) authorization request message including the branch code and the like and transmit it to the securities company (or insurance company) relay server 100; There.

In this case, the securities company (or insurance company) relay server 100 is a securities account number and / or securities company (or insurance company) code and / or securities company (or insurance company) branch code included in the debit (or payment) approval full text With reference to the securities company (or insurance company) corresponding to the account management server 175 may transmit the debit (or payment) approval full text.

In another embodiment, the check card management server 135 reads out a check card number and a payment approval request amount from the received payment approval request message, and stores the check card number and the payment approval request amount in a database provided to the card company in response to the read check card number. Extract the pre-stored securities account number and / or securities company (or insurance company) code and / or securities company (or insurance company) branch code, and the like, and check the check card number and payment authorization request amount and the extracted securities account number and / or securities company (or Insurance company) code and / or securities company (or insurance company) branch code, etc. to the securities company (or insurance company) relay server 100, the securities company (or insurance company) relay server 100, the check card number and payment approval request Request for debit (or payment) authorizations including amounts and securities account numbers and / or securities company codes and / or securities company branch codes Generating a statement, the debit processing (or insurance company) account management server 175 corresponding to the securities account number and / or securities company (or insurance company) code and / or securities company (or insurance company) branch code generated by the debit processing ( Or payment).

Referring to FIG. 9, a securities company (or a securities account associated with the check card) is established through a check card management server 135 and the securities company (or insurance company) relay server 100 provided in the card company (or financial company). Insurance company) Check card debit (or payment) approval request request for the debit (or payment) authorization request for the check card sent to the account management server 175, a common part of 57 bytes and a separate part of 293 bytes It can be configured to include.

Here, the common debit processing (or payment) approval request common part, the check card management server 135 and the securities company (or insurance company) relay server 100 and / or securities company (or insurance company) for the check card-based payment processing It is preferable to be included in all the transaction data transmitted and received between the account management server 175 in common, and those skilled in the art to which the present invention belongs, the check card debit processing (or payment) approval request full text Since the items defined in the common part of the above will be clearly understood, the detailed description thereof will be omitted for convenience.

The individual unit of the check card debit processing (or payment) approval request specialist and the check card number item (CARD-NUM) received from the payment terminal device 198 to the check card management server 135 through the payment approval request full message; The credit card company account number item (ACCOUNT) to be withdrawn and processed from the member's securities account, and the authorization request amount item according to the payment amount received from the payment terminal device 198 through the full payment approval request ( APRV-AMT), a member securities company (or insurance company) code item (STOCKS-CDE) extracted from the card company database based on the check card number, a member securities account number item (PAN), and a member branch code (BRAN- CDE) item, and the membership passbook content item (INFO).

The individual unit may further include a reservation for maintaining a block size of 293 bytes.

10 is a diagram illustrating a process of transmitting a full debit (or payment) approval response message from a securities company (or insurance company) account management server 175 to the securities company (or insurance company) relay server 100 according to an embodiment of the present invention. to be.

10 is a securities company (or insurance company) through the process shown in Figure 8 receives the full check card debit (or payment) approval request from the securities company (or insurance company) relay server 100 from the securities company (or insurance company) account management server 175 By reading the received debit (or payment) authorization request message, read and confirm the securities account number from the debit (or payment) authorization request message, and checks the balance of the confirmed account By comparing the inquired balance with the authorization request amount item (APRV-AMT) included in the full debit (or payment) authorization request, the comparison result (eg, normal approval or error history or a corresponding code) Etc.), and generate a debit (or payment) approval response message including the derived comparison result, and generate the debit (or payment) approval response message. By transmitting to the broker (or insurance company) relay server 100, by sending the full debit (or payment) approval response from the broker (or insurance company) relay server 100 to the check card management server 135, The check card management server 135 reads the received debit processing (or payment) approval response message in full and checks the check card debit payment normal approval or error history, and checks the check card debit payment normal approval or error history ( Or a code corresponding to a normal approval or an error history) to generate a payment approval response message and transmit it to the merchant payment terminal device 198 that transmits the check card payment approval request message.

According to the exemplary embodiment of the present invention with reference to FIG. 10, the debit processing (or insurance company) relay server 100 from the securities company (or insurance company) account management server 175 through the process of FIG. 8 described above (or Payment) approval message is transmitted (1000), the brokerage company (or insurance company) relay server 100 reads the received debit (or payment) approval response message, the debit (or payment) approval response message Check card number item (CARD-NUM) included in the and / or the authorization request amount withdrawn from the member securities account card company account number item (ACCOUNT) to be deposited, and in the confirmed card company account number item (ACCOUNT) To the corresponding check card management server 135 (e.g., the check card management server 135 which transmitted the full debit processing (or payment) approval request message corresponding to the full debit processing (or payment) approval response message); 1005).

When the check card management server 135 receives the debit (or payment) approval response message from the broker (or insurance company) relay server 100 (1010), the received debit (or payment) approval response message is received. Read the debit processing (or payment) approval check card included in the full debit authorization approval or error (or code corresponding to the normal approval or error history) to check the normal approval or error history (or normal A payment approval response message including a code corresponding to the approval or the error history is generated 1015.

The check card management server 135 transmits the generated payment approval response message to the affiliated payment terminal 198 that transmits the check card payment approval request message (1020).

11 is a diagram illustrating a check card payment approval processing system using a relay server 1100 according to an exemplary embodiment of the present invention.

In more detail, FIG. 11 shows a predetermined payment approval request text for a check card payment processing at a merchant equipped with a predetermined payment terminal device 198, and transmits the payment approval request text to a card company through a predetermined payment network. Or a predetermined check card management server 1140 provided at a financial company), the check card management server 1140 is processed in connection with a check card included in the full payment approval request message and stored in a predetermined database. It is determined whether the information (eg, card number, linked account information, etc.) is a check card associated with a security account or a check card associated with a bank account, and the check card information (eg, card number, linked account information, etc.) In the case of a check card associated with an account, the securities company (or insurance company) generates a full debit processing (or payment) request for approval according to the check card payment authorization request. Delivered to the server 1100, the securities company (or insurance company) by the relay server 1100 reads the debit (or payment) approval request, the member securities included in the debit (or payment) approval request (Or insurance company) code and / or member securities account number, etc. are read, and the securities company (or insurance company) server 1175 corresponding to the read member securities company (or insurance company) code and / or member securities account number, etc. is checked, Check the balance of the read account in connection with the confirmed securities company (or insurance company) server 1175 to determine whether debit processing (or payment) corresponding to the debit processing (or payment) amount is possible according to the verification result. According to an embodiment of the present invention, a method for determining a system configuration for generating an approval response message corresponding to the determination result and transmitting the same to the check card management server 1140 is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer the configuration of a check card payment approval processing system using the relay server 1100, but The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, the system is provided in at least one affiliated store, and is connected to a payment terminal device 198 that provides a check card payment through a predetermined payment network (eg, a value added network (VAN)). A card company (or financial company) that issues a check card interworking with a securities account of a predetermined securities company (or insurance company) account management server receives a check card payment approval request message transmitted from the payment terminal device 198, and Reads the received check card payment approval request text, reads the check card information included in the payment approval request text, and checks whether the check card is a check card associated with a securities account of the securities company (or insurance company) server 1175. Or determining whether the check card is linked to a bank account of a bank server, and when the check card is a check card linked to a securities account, the at least one securities company (and Insurance company) to the securities company (or insurance company) relay server 1100 connected to the check card-based debit processing (or payment) authorization request (for example, check card information and debit processing (or payment) amount information, etc.) A check card management server 1140 to transmit, at least one securities company (or insurance company) server 1175 to manage and operate a securities account associated with the check card and a predetermined network (eg, financial common network, Internet, leased line, etc.) Is connected through the terminal, and receives a full debit processing (or payment) approval request message according to the payment approval request from the check card management server 1140, and reads the received debit processing (or payment) approval request text. Read a securities company (or insurance company) code and / or account information from the full debit (or payment) authorization request, and read the securities company (or insurance company) code and / or account information Check the securities company (or insurance company) server 1175 corresponding to the report, check the balance of the read account in connection with the confirmed securities company (or insurance company) server 1175, and process the debit according to the verification result (Or payment) determines whether debit processing (or payment) corresponding to the amount is possible, generates a debit processing (or payment) approval response message corresponding to the determination result, and then generates the generated text into the check card management server ( It is preferable to include a broker (or insurance company) relay server 1100 to transmit to 1140.

According to another exemplary embodiment, the system is provided in at least one or more affiliated stores, and is connected to a payment terminal device 198 that provides a check card payment and a predetermined payment network (eg, a value added network (VAN)). A card company (or financial company) that issues a check card linked to a securities account of a securities company (or insurance company) server 1175 is provided with a check card payment approval request message transmitted from the payment terminal device 198, and Reads the received check card payment approval request text, reads the check card information included in the payment approval request text, and checks whether the check card is a check card associated with the securities account of the securities company (or insurance company) server 1175. Or determining whether the check card is linked to a bank account of a bank server, and if the check card is a check card linked to a securities account, the at least one securities company (and Is connected to the check card management server (1140) and the check card to send the full check card-based debit (or payment) approval request request to the broker (or insurance company) relay server 1100 connected to the insurance company) server 1175 It is connected to at least one securities company (or insurance company) server 1175 that manages and manages a securities account through a predetermined network (eg, financial common network, Internet, leased line, etc.), and from the check card management server 1140. Receive the full debit processing (or payment) approval request text according to the payment approval request, read the received debit processing (or payment) approval request text, and debit the account information and debit from the full debit processing (or payment) approval request text. Read the processing (or payment) amount information, and check the securities company (or insurance company) server 1175 corresponding to the read securities company (or insurance company) code and / or account information, Check the balance of the read account in connection with a previously confirmed securities company (or insurance company) server 1175 and determine whether or not it is possible to process debit (or payment) corresponding to the debit (or payment) amount according to the verification result. And a securities company (or insurance company) relay server 1100 that determines and generates a debit processing (or payment) approval response message corresponding to the determination result and transmits the generated message to the check card management server 1140. It is preferable to make it.

As described above in FIG. 1, the payment terminal device 198 generates a predetermined payment approval request full text as shown in FIG. 6 including check card information, payment information, and merchant information for electronic payment processing, Electronic payment processing for transmitting the generated payment approval request full text to the check card management server 1140 through a predetermined payment network and receiving a predetermined payment approval full text corresponding to the payment approval request full text through the payment network. It is characterized in that the function is provided. According to an embodiment of the present invention, the payment terminal device 198 preferably comprises a credit authorization terminal (CAT) provided in the affiliated store.

According to this embodiment, the check card management server 1140 is characterized in that provided to the card company (or financial company) to perform the payment processing using the check card associated with the securities account, a predetermined network (for example A securities company (or insurance company) interworking with the at least one securities company (or insurance company) server 1175 through at least one card company (or financial company) and a securities company (or insurance company) through a dedicated communication network connecting the relay server 1100). It is characterized in that the connection with the relay server 1100.

In addition, the check card management server 1140 is provided with a database for storing and processing the check card information and / or the security account information associated with the security account, and stores at least one bank account information, and / Or a database server for storing and managing check card information and / or the securities account information linked to the securities account through a predetermined network and / or interface means, and storing and managing at least one bank account information. Preferably, the check card management server 1140 includes at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). This can be done in any way, and the present invention is not limited thereto.

In more detail with reference to Figure 11, the check card management server 1140 is a check card-based payment approval request from the payment terminal device 198 provided in at least one or more affiliated stores through a predetermined payment network (eg, VAN, etc.) A specialized receiving unit 1145 for receiving a full message, an information reading unit 1150 for extracting a check card number and predetermined payment amount information from the full payment approval request message by reading the full text of the payment approval request, and the check card management server A check card including the extracted check card number by querying at least one or more securities account information and bank account information stored in a database (or a database server interworking with the check card management server 1140) provided in 1140. The request for approval of the payment is made by extracting and storing the securities account information (or the information of the securities company (or insurance company)) stored in association with the information. If the credit card is a check card associated with the securities account or the bank account and the associated sin is a check card, the account information verification unit 1160, and if the check card requested for payment approval is confirmed as a check card associated with the securities account, Debit processing (or payment) approval request for the balance inquiry request for the securities account associated with the check card to the securities company (or insurance company) relay server 1100 connected to at least one securities company (or insurance company) account management server When the debit processing (or payment) approval response message including the balance inquiry result for the securities account associated with the check card is received from the securities company (or insurance company) relay server 1100, the received debit is received. It may include a check card payment approval unit 1155 for approving the payment processing of the check card with reference to the entire processing (or payment) approval response. .

Preferably, when the check result check card requested by the account information check unit 1160 is a check card associated with a bank account, the check card payment approval unit 1155 is a bank server corresponding to the bank account. Sending a full debit (or payment) authorization message for requesting a balance inquiry for a bank account associated with the check card, and including a balance inquiry result for the bank account associated with the check card from the bank server. The debit processing approval response message is received, the debit processing approval response message received from the bank server is read, and the balance inquiry result is confirmed to process the check card payment approval according to the verification result.

In addition, the check card management server 1140 may include a full text generation unit 1170 for generating a predetermined payment approval text including a payment approval result generated by the check card payment approval unit 1155, and the generated payment. It is preferable to further include a specialized transmission unit 1165 for transmitting the full text of the approval to the payment terminal device 198 of the affiliated store through the payment network.

The specialized receiver 1145 is provided through a predetermined payment network (eg, a VAN) according to a check card payment transaction protocol defined between the payment terminal device 198 and the check card management server 1140 provided at the affiliated store. Characterized in that it receives a check card-based payment approval request full text as shown in Figure 6 below from the payment terminal device 198, the received payment approval request full text is provided to the information reading unit (1150).

The information reading unit 1150 determines whether the payment approval request check card is a check card associated with a securities account according to the present invention or a check card associated with an existing bank account. And extracting the check card number, and the information reading unit 1150 further extracts payment amount information requested for payment approval from the full text of the payment approval request. The extracted check card number and payment amount information The account information verification unit 1160 is provided.

The account information checking unit 1160 may include at least one check card information stored in a database (or a database server interoperating with the check card management server 1140) provided in the check card management server 1140 and a security corresponding thereto. The account information or the bank account information is queried to check whether the account associated with the check card required for payment is a security account or a bank account.

According to the method of the present invention, the account information checking unit 1160 further checks the securities account information or the securities company information corresponding to the securities account when the account associated with the check card requested for payment approval is confirmed as a securities account. By confirming, the check result is characterized in that the transfer to the check card payment approval unit 1155.

The check card payment approval unit 1155 checks the check card number and the securities account information when the check card requested for payment approval is confirmed as the check card associated with the securities account. Or a predetermined message (debit processing (or payment) approval request message) including the securities company information corresponding to the securities account) and the payment amount information requested for the payment approval, and the predetermined network (eg, a financial network or A dedicated line between the check card management server 1140 and the relay server 1100 may be transmitted to the broker (or insurance company) relay server 1100.

Here, the preamble is a payment received from the payment terminal device 198 through a check card number item, a card company account number item to be withdrawn from the member account and the authorization request amount is deposited, and the check card payment approval request message. Authorization request amount item according to the amount, member securities company (or insurance company) code item extracted from the card company database based on the check card number, member securities account number item, member branch code item, member bank statement content item The full text is defined between the check card management server 1140 and the brokerage firm (or insurance company) relay server 1100 (and / or brokerage firm (or insurance company) account management server). It is preferable that the check card payment approval unit 1155 is transmitted to the securities company (or insurance company) relay server 1100 based on a transaction protocol. The.

According to another exemplary embodiment of the present invention, the check card payment approval unit 1155 checks the check card requested for payment approval as the check card associated with the securities account as a result of the checking of the account information checking unit 1160. , Check card number information, card company account number information to be withdrawn from the member account and the payment processing process, and the approval request amount information according to the payment amount received from the payment terminal device 198 through the payment approval request message; And the member server (or insurance company) code information extracted from the card company database based on the check card number, the member securities account number information, the member branch code information, the member bank account information, and the like. ) To request debit processing (or payment) approval, in which case, the relay server 1100 is transmitted from the check card payment approval unit 1155. Debit processing (or payment) approval request message containing the above information is configured to form a predetermined network (for example, a leased line between a financial network or check card management server 1140 and a brokerage company (or insurance company) relay server 1100). Through the member securities company (or insurance company) code information can be transmitted to the securities company (or insurance company) server 1175.

According to the implementation method of the present invention, the check card payment approval unit 1155 is a balance corresponding to the balance inquiry request of the securities account associated with the check card from the broker (or insurance company) relay server 1100 through the network Receive an inquiry result (or a predetermined message (eg, a debit processing (or payment) authorization response message) including a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card); The balance inquiry result corresponding to the balance inquiry request of the securities account associated with the received check card is transmitted to the full text generation unit 1170.

According to the present invention, the brokerage company (or insurance company) relay server 1100 may include at least one brokerage company (or insurance company) server 1175 and a predetermined network (eg, at least one brokerage company (or insurance company) and brokerage company (or insurance company). It is characterized in that it is connected to the at least one brokerage company (or insurance company) server 1175 through a dedicated communication network for connecting the relay server 1100).

According to an embodiment of the present invention, the brokerage company (or insurance company) relay server 1100 is associated with the check card information (or securities account information associated with the check card information) and the check card information (or the check card information). A storage medium for storing securities company (or insurance company) information corresponding to the securities account information), and / or associated with the check card information (or the check card information) through a predetermined network and / or interface means. And a storage medium operating means for linking and storing and managing securities company (or insurance company) information corresponding to the securities account information) and the check card information (or the securities account information associated with the check card information). .

According to the present invention, the brokerage firm (or insurance company) relay server 1100 may include at least one or more servers (or devices), and / or includes a functional configuration unit according to the present invention in a predetermined server (or device). The present invention is not limited thereto.

In more detail with reference to Figure 11, the brokerage company (or insurance company) relay server 1100 from the check card management server 1140 and the check card number and securities account information (or securities company (or insurance company) corresponding to the securities account) Information), the predetermined payment amount information (or the check card number and the securities account information (or the securities company (or insurance company) information corresponding to the securities account)) and the predetermined payment amount information including the payment authorization information requested A full text receiver (1105) for receiving a full text (e.g., full text of a debit (or payment) authorization request) and a full text reading for a broker (or insurance company) code from the received full text of the debit (or payment) authorization request. Information for confirming the broker 1 (or insurance company) server 1175 corresponding to the broker 1 (or insurance company) code read by the expert reader 1115 in association with the storage unit 1115 and the storage medium. The balance of the check card payment account is checked in connection with a worker 1110 and the confirmed brokerage company (insurer) server 1175, and debit processing corresponding to the debit processing (or payment) amount according to the verification result ( Or a payment processing unit 1125 for generating a debit processing (or payment) approval response message corresponding to the determination result and transmitting it to the check card management server 1140. It can be configured to include.

In addition, the securities company (or insurance company) relay server 1100 may be configured to further include an information transmitter 1120 for transmitting the money transfer information corresponding to the full text of the approval response to the securities company (or insurance company) server 1175. Can be.

Here, the amount transfer information, the check card payment amount is withdrawn from the securities company (or insurance company) account, characterized in that the deposit processing to the mother account corresponding to the check card management server 1140.

In addition, the securities company (or insurance company) relay server 1100 stores at least one securities company (or insurance company) code information and the securities company (insurer) server connection information stored in a predetermined storage medium by processing the connection information It may be configured to further include a portion 1130.

The specialized receiving unit 1105 is a predetermined network from the check card management server 1140 (eg, a dedicated line between a financial network or a check card management server 1140 and a brokerage company (or insurance company) relay server 1100, etc.). Based on the transaction protocol defined between the check card management server 1140 and the broker (or insurance company) relay server 1100 (and / or broker (or insurance company) account management server) as shown in Figure 9, A number item, a card company account number item to be withdrawn from the member account for the authorization request amount, and an authorization request amount item according to the payment amount received from the payment terminal device 198 through the check card payment approval request message; A member securities company (or insurance company) code item, a member securities account number item, and a member branch code item extracted from the card company database based on the check card number; , The member is characterized in that account factors such as received item information, the predetermined processing debit (or settlement) specialized authorization request comprising a.

According to the present invention, a check terminal number item received by the specialized receiving unit 1105, a card company account number item to be withdrawn from the member account and the authorization request amount is processed, and a payment terminal through the full check card payment approval request An authorization request amount item according to the payment amount received from the device 198, a member securities company (or insurance company) code item extracted from the card company database based on the check card number, a member securities account number item, and a member branch code A predetermined debit (or payment) authorization request full text including an item and a member bank account content item is provided to the full text reader 1115.

The specialized reading unit 1115 through the specialized receiving unit 1105 through the check card number item, the authorization request amount is withdrawn from the member account card company account number item to be processed and the check card payment approval request through the full text An authorization request amount item according to the payment amount received from the payment terminal device 198, a member securities company (or insurance company) code item extracted from the card company database based on the check card number, a member securities account number item, When a predetermined debit processing (or payment) authorization request message including a member branch code item and a member bank statement contents item is received, the debit processing (or payment) authorization request text is read and the check card number is read from the full text. Read the item and / or member securities firm (or insurer) code item and / or member securities account number item and / or authorization request item. It is characterized by shipping.

The information checking unit 1110 reads the check card number item and / or member securities company (or insurance company) code item and / or member securities account number item from the full message through the full text reader 1115. A securities company (or insurance company) server 1175 (or a securities company (or insurance company)) corresponding to the read check card number item and / or member securities company (or insurance company) code item and / or member securities account number item in association with a storage medium. Server connection information).

The account verification unit 1135 is provided at the securities company (or insurance company) server 1175 through the interface unit 1180 of the verified securities company (or insurance company) server 1175 or the securities company (or insurance company) server ( And accessing a database linked with 1175, inquiring and checking the balance of the check card payment account, and determining whether it is possible to process the authorization request amount with the balance of the check card payment account according to the inquiry result. It characterized in that the transmission to the professional processing unit (1125).

The specialized processing unit 1125 transmits a balance debit (or payment) approval response message in response to the balance inquiry result when the balance inquiry result of the securities account associated with the check card is transmitted through the account verification unit 1135. To generate, and transmits the generated debit (or payment) approval response message to the check card management server 1140.

Here, the generated debit processing (or payment) approval response message may be based on a check card based payment processing normal approval result or check card based on the payment approval request amount transmitted when the balance inquiry request of the securities account associated with the check card is performed. It is preferable that the payment result of rejection and / or payment error code is included.

For example, in conjunction with a securities company (or insurance company) server 1175 corresponding to the read securities company (or insurance company) code, check card payment account information and debit processing (or included in the debit processing (or payment) authorization request full text) Payment) If the balance of a predetermined customer security account associated with the check card is less than the payment authorization request amount based on the amount information, the payment processing authorization including the check card-based payment processing rejection result and / or payment processing error code is approved. A result (or full text) may be generated and transmitted to the check card management server 1140.

According to the present invention, the brokerage company (or insurance company) server 1175 relays the brokerage company (or insurance company) relay server 1100 with a predetermined network (eg, a financial network or brokerage company (or insurance company) server and brokerage company (or insurance company). Connected to the brokerage company (or insurance company) relay server 1100 through a dedicated communication network connecting the server 1100, and at least one customer information, at least one stock account information corresponding to each customer, and A database for storing check card information associated with the securities account, and / or through at least one network and / or interface means, the at least one customer information and at least one securities account information corresponding to each customer; And interlocking with a database server for storing and managing the check card information associated with the securities account. All.

The interface unit 1180 provided in the brokerage company (or insurance company) server 1175 checks the brokerage company (or insurance company) relay server 1100 accessed through the network, wherein the brokerage company (or insurance company) server and the The brokerage company (or insurance company) relay server 1100 is preferably a predetermined agreement for the check card payment approval processing service using the relay server 1100 according to the present embodiment, the interface unit 1180 is Authentication for the approaching relay server 1100 and controlling the relay server 1100 to be connected to the database provided in the securities company (or insurance company) server 1175.

12 illustrates a process of generating and transmitting a full debit processing (or payment) approval response message from a brokerage company (or insurance company) relay server 1100 in conjunction with a brokerage company (or insurance company) server 1175 according to an embodiment of the present invention. Figure is shown.

12 is a check card number item, a check card payment approval request amount item, and the member from the check card management server 1140 in a brokerage firm (or insurance company) relay server 1100 through the process shown in FIG. After receiving a full check card debit (or payment) authorization request message including a securities company (or insurance company) code item, a member securities account number item, a member branch code item, a member bank statement content item, and the like, The member securities company (or insurance company) code item and / or member securities account number item and / or member branch code item etc. are read from the entire debit (or payment) authorization request, and the read check card number and / or member securities company is read. (Or insurer) code and / or member securities account number and / or member branch code, etc. Code, etc.), interworking with the confirmed securities company (or insurance company) server 1175 to inquire the balance of the securities account (check card payment account), and complete the debit (or payment) approval response based on the inquiry result. As an embodiment of the process for transferring the generated debit processing (or payment) approval response text to the check card management server 1140, if one of ordinary skill in the art to which the present invention belongs, With reference to FIG. 12 and / or modifications, the entire debit (or payment) approval response message is linked to a securities company (or insurance company) server corresponding to the check card (or the securities account associated with the check card) according to the intention of the skilled person. It will be possible to infer various implementation methods for generating and transmitting them to the check card management server, but the present invention is not limited to the inferred implementation methods. The.

Referring to FIG. 12, the broker (or insurance company) relay server 1100 checks the network through a predetermined network (eg, a dedicated communication network connecting the broker or broker company (or insurance company) relay server 1100). When the debit (or payment) authorization request message is received from the card management server 1140 (1200), the member securities company (or insurance company) code item included in the received debit (or payment) authorization request message and / or Alternatively, the member securities account number item approval request amount item is read and read, and the database (or database server interworking with the securities company (or insurance company) server 1175) provided in the brokerage company (or insurance company) relay server 1100. Linked securities company (or insurance company) information (eg, securities company (or insurance company) name, securities company (or insurance company) server connection information corresponding to the code of the securities company (or insurance company) read) Beams, etc.) (1205).

According to another exemplary embodiment, the securities company (or insurance company) relay server 1100 reads out and reads the member securities account number item and the authorization request amount item included in the received debit processing (or payment) approval request message, and Brokerage company (or insurance company) corresponding to the read member securities account number in conjunction with the database (or database server linked to the brokerage company (or insurance company) server 1175) provided in the brokerage company (or insurance company) relay server 1100 ) Information (eg, a brokerage company (or insurance company) name, brokerage company (or insurance company) server 1175 connection information, etc.) can be checked.

Meanwhile, through the above process, the securities company (or insurance company) corresponding to the member securities company (or insurance company) code and / or member securities account number and / or member branch code included in the received debit (or payment) authorization request text. ) If the information is confirmed, the brokerage company (or insurance company) relay server 1100 receives the confirmed brokerage company (or insurance company) information (eg, brokerage company name, brokerage company (or insurance company) server connection information (URL), etc.) from the database. Extracting 1210 and referring to the extracted securities company (or insurance company) information, the securities company (or insurance company) server 1175 accesses the securities account associated with the check card (1215).

In this process, the securities company (or insurance company) server 1175 is a unique information (eg, unique code of the relay server 1100) or access information (eg, the relay server 1100) of the broker (or insurance company) accessing through the network URL or IP, etc.) to perform a predetermined authentication procedure for the broker (or insurance company) relay server 1100.

When the connection is completed, the brokerage company (or insurance company) relay server 1100 checks the remaining member securities account by checking the confirmed member securities account (check card payment account), the balance of the confirmed securities account It is determined whether the debit processing (or payment) is possible by comparing with the authorization request amount (1220).

The securities company (or insurance company) relay server 1100 may perform a debit processing (or payment) including a result of determining whether the debit processing (or payment) is possible (for example, normal approval or error history or a predetermined code corresponding thereto). In step 1230, the authentication response message is generated (1225), and the generated debit processing (or payment) approval response message is transmitted to the check card management server 1140 (1230).

In this process, when the result of determining whether the debit processing (or payment) included in the debit processing (or payment) approval response message is normal approval, the securities company (or insurance company) relay server 1100 is the securities company (or insurance company). The securities company (or insurance company) by transmitting the check card management company account number information and money transfer information to be withdrawn from the member account and the deposit request amount included in the debit processing (or payment) authorization request message is transferred to the server 1175. The server 1175 may withdraw the authorization amount from the securities account (check card payment account) to process the deposit into the check card management company account.

The check card management server 1140 receives the full debit (or payment) approval response message from the brokerage firm (or insurance company) relay server 1100 (1235), and receives the received debit processing (or payment) approval response message. Check the debit card debit normal approval or error (or code corresponding to the normal approval or error history) included in the payment, including the normal approval or error history (or code corresponding to the normal approval or error history) Generate a full text of the acknowledgment (1240).

In operation 1245, the check card management server 1140 transmits the generated payment approval response message to the affiliated payment device 198 which transmits the check card payment approval request message through the process of FIG. 5.

13 is a diagram showing a check card payment approval processing system according to another embodiment of the present invention.

In more detail, FIG. 13 illustrates a predetermined payment approval request text for a check card payment processing at a merchant equipped with a predetermined payment terminal device 198, and the payment approval request text is transmitted through a predetermined payment network. Or a predetermined check card management server 1335 provided at a financial institution), the check card management server 1335 generates a predetermined debit processing (or payment) authorization request message corresponding to the full payment approval request message. Send the generated debit processing (or payment) approval request message to the relay server 1300 and read the debit processing (or payment) approval request message from the relay server 1300 to read the check card information. In addition, the check card information and payment account information are linked and stored in association with the storage medium, and whether the payment account corresponding to the check card is a bank account or a securities company (or insurance company) account. To the account management server 1365 corresponding to the verification result, and debit processing (or payment) (or payment) including at least check card information, debit processing (or payment) (or payment) amount information and payment account information. ) Generate and send the approval request text, read the sent debit processing (or payment) approval request text from the account management server 1365, and receive payment account information and debit from the debit processing (or payment) approval request text. Read processing (or payment) (or payment) amount information, check the balance of the read account to determine whether debit processing (or payment) corresponding to the read amount is possible, and an acknowledgment response corresponding to the determination result. After generating the full text, a method for implementing a check card settlement approval processing system for transmitting the generated full text to the relay server 1300 or the check card management server 1335 is shown. It is characterized by.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various system configurations for the check card payment approval process, but the present invention is inferred from the above. It is to be understood that it includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 13, the system is provided in at least one affiliated store, and is connected to a payment terminal device 198 providing a check card payment through a predetermined payment network (eg, a value added network (VAN)). A check card payment approval request message provided in a card company (or financial company) that issues a check card linked to a check card payment account of a securities company (or insurance company) account management server 1365 and is transmitted from the payment terminal device 198. A predetermined debit processing (or payment) (or payment) approval request message including a check card information and a debit processing (or payment) (or payment) amount information corresponding to the received check card payment approval request message; Generating a check card management server 1335 for transmitting the generated telegram to the relay server 1300 connected with the at least one account management server, and a check card associated with the check card; It is connected to at least one account management server that manages and operates an account through a predetermined network (eg, a financial common network, the Internet, a dedicated line, etc.), and debits according to the payment approval request from the check card management server 1335. Receive the processing (or payment) authorization request text, read the received debit (or payment) authorization request text, read the check card information included in the debit (or payment) authorization request text, check card information Check the payment account corresponding to the check card is a bank account or a securities company (or insurance company) by linking with the storage medium in which the payment account information is linked and stored, and the account management server 1365 corresponding to the verification result. Create a full debit (or payment) authorization request statement that includes at least check card information, debit (or payment) amount information, and payment account information. By reading the full text of the debit processing (or payment) approval request received from the relay server 1300 and the relay server 1300 to transmit, and the payment account information and debit processing from the full debit processing (or payment) approval request text ( Or read) amount information, check the balance of the read account, determine whether debit processing (or payment) corresponding to the read amount is possible, and generate an approval response message corresponding to the determination result. It is preferable to include an account management server 1365 for transmitting the generated telegram to the relay server 1300 or the check card management server 1335.

According to another exemplary embodiment, the system is provided in at least one affiliated store, and is connected to a payment terminal device 198 providing a check card payment through a predetermined payment network (eg, a value added network (VAN)), A card company (or financial company) that issues a check card interworking with a securities account of a predetermined securities company (or insurance company) account management server receives a check card payment approval request message transmitted from the payment terminal device 198, and Generate a predetermined debit processing (or payment) approval request text including the check card information, the debit processing (or payment) amount information, and the payment account information corresponding to the received check card payment approval request text, and generate the generated text. A check card management server 1335 for transmitting to the relay server 1300, at least one account management server for managing and operating a securities account associated with the check card; It is connected through a definition network (eg, financial common network, Internet, leased line, etc.), and receives a full debit processing (or payment) authorization request message according to the payment approval request from the check card management server 1335 and receives the received message. Read the debit processing (or payment) authorization request text and read the check card information included in the debit processing (or payment) authorization request message, and the check card information and payment account information are processed in association with the stored storage medium. The check card payment account included in the debit processing (or payment) authorization full text is checked to determine whether the payment account is a bank account or a securities company (or insurance company) account, and the account management server 1365 corresponding to the verification result. ) To create a full debit (or payment) authorization request statement containing at least check card information, debit (or payment) amount information and payment account information. Read the debit processing (or payment) approval request message received from the relay server 1300 and the relay server 1300 to the payment account information and debit processing (or payment) from the debit processing (or payment) approval request message (Or payment) reads the amount information, checks the balance of the read account to determine whether the debit (or payment) corresponding to the read amount is possible, and generates a full approval response corresponding to the determination result Thereafter, the generated telegram may include an account management server 1365 which transmits the generated telegram to the relay server 1300 or the check card management server 1335.

Here, the payment terminal device 198 generates a predetermined payment approval request message as shown in FIG. 6 including check card information, payment information, and merchant information for the electronic payment processing, and generates the payment approval request. Is equipped with an electronic payment processing function for transmitting the full text to the check card management server 1335 through a predetermined payment network, and receives a predetermined payment approval full text corresponding to the payment approval request full text through the payment network. It features. According to an embodiment of the present invention, the payment terminal device 198 preferably comprises a credit authorization terminal (CAT) provided in the affiliated store.

Referring to FIG. 13, the check card management server 1335 is provided at a card company (or financial company) to perform a payment process using a check card associated with a predetermined check card payment account. A relay server interworking with the at least one account management server (eg, a bank, securities company, insurance company, etc.) through a network (eg, a dedicated communication network connecting at least one card company (or financial company) with the relay server 1300) ( It is characterized in that the connection with the 1300.

In addition, the check card management server 1335 may include at least one or more servers (or devices), and / or include a functional configuration unit according to the present invention in a predetermined server (or device). The present invention is not limited thereby.

In more detail with reference to Figure 13, the check card management server 1335 is a check card-based payment approval request from the payment terminal device 198 provided in at least one or more affiliated stores through a predetermined payment network (eg, VAN, etc.) A specialized receiver 1340 for receiving a full text, an information reader 1345 for reading the full text of the payment approval request and extracting a check card number and predetermined payment amount information, and check card information extracted from the full text of the payment approval request; Generates a predetermined debit processing (or payment) approval request message including debit processing (or payment) amount information and transmits it to the relay server 1300, and approves the debit processing (or payment) from the relay server 1300. When a debit (or payment) authorization response message corresponding to the request text is received, payment of the check card is referred to with reference to the received debit (or payment) authorization response message. It may comprise a debit card payment authorization unit 1350 to approve Lee.

In addition, the check card management server 1335 may include a full text generation unit 1360 for generating a predetermined payment approval text including a payment approval result generated by the check card payment approval unit 1350, and the generated payment. It may further comprise a specialized transmission unit 1355 for transmitting the full text of the approval to the payment terminal device 198 of the affiliated store through the payment network.

The specialized receiver 1340 is provided through a predetermined payment network (eg, a VAN) according to a check card payment transaction protocol defined between the payment terminal device 198 and the check card management server 1335 provided at the affiliated store. Characterized in that it receives the check card-based payment approval request full text as shown in Figure 6 from the payment terminal device 198, the received payment approval request full text is provided to the information reading unit (1345).

The information reading unit 1345 may determine whether the payment approval request check card is a check card associated with a securities account according to the present invention or a check card associated with an existing bank account. Characterized in that the check card number is extracted.

The information reading unit 1345 may further extract payment amount information requested for payment approval from the full payment approval request message, and the extracted check card number and payment amount information may be used for the check card payment approval unit 1350. Is provided.

The check card payment approval unit 1350 receives the check card information and the debit processing (or payment) amount information read through the information reading unit 1345, and the check card information and the debit processing (or payment) amount information. Generates a predetermined debit processing (or payment) approval request text including the transmission to the relay server 1300, and the debit processing (or payment) from the relay server 1300 (or account management server 1365) When a debit processing (or payment) approval response message corresponding to the approval request text is received, the payment processing of the check card is approved with reference to the received debit processing (or payment) approval response text, and the payment processing approval result is received. Characterized in that the transfer to the full text generation unit 1360.

Here, the preamble may include a check card number item and an approval request amount item according to the payment amount received from the payment terminal device 198 through the check card payment approval request preamble.

According to another embodiment of the present invention, the preamble is a check card number item and a payment associated with the check request card item and the authorization request amount item according to the payment amount received from the payment terminal device 198 through the check card payment approval request message. It may be configured to include the account information, in this case, the check card payment approval unit 1350 checks the payment account information associated with the check card number from the database to include in the full text.

According to an exemplary embodiment of the present invention, a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card (or a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card) is included. The predetermined text) preferably includes a check card-based payment processing approval result for the payment approval request amount sent when the balance inquiry request of the securities account associated with the check card is performed.

According to another exemplary embodiment of the present invention, a balance inquiry result corresponding to a balance inquiry request of a payment account associated with the check card (or a balance inquiry result corresponding to a balance inquiry request of a payment account associated with the check card) is included. Predetermined text) may include the check card-based payment processing rejection result and / or payment processing error code.

According to the present invention, the relay server 1300 is dedicated to connect an account management server including at least one brokerage company or insurance company or bank and a predetermined network (eg, at least one brokerage company or insurance company or bank relay server 1300). Communication network) and the at least one account management server 1365.

Referring to FIG. 13, the relay server 1300 may include the check card information (or check card payment account information associated with the check card information) and the check card information (or check card payment account associated with the check card information). Or a storage medium that stores account manager information (e.g., information including account manager unique codes, etc.) corresponding to the information), and / or through the network and / or interface means. Storage medium operating means for linking and storing and managing account manager information corresponding to the check card payment account information associated with the check card information and the check card information (or the check card payment account information associated with the check card information) It is characterized in that the interlock with.

According to the present invention, the relay server 1300 may include at least one or more servers (or devices), and / or may include a function configuration unit according to the present invention in a predetermined server (or device). The present invention is not limited thereto.

In more detail with reference to FIG. 13, the relay server 1300 may check the check card number and payment amount information (or check card number and payment approval request amount information and check) from the check card management server 1335. A specialized receiving unit 1305 for receiving a predetermined text (for example, a debit processing (or payment) authorization request text, etc.) including card payment account information), and reading the received debit processing (or payment) authorization request text; A professional reader 1310 for reading the check card information from the full debit (or payment) authorization request message; and the storage medium (eg, a storage medium in which the check card information and the payment account information are stored in association with each other); In connection with the check card information, the information checking unit 1320 confirms whether the payment account corresponding to the read check card is a bank account or a securities company (or insurance company) account. A full text generation unit 1325 for generating a full debit (or payment) approval request message including debit processing (or payment) amount information and the confirmed payment account information, and the generated debit processing (or payment) approval request text; It may be configured to include a specialized transmission unit 1315 for transmitting to the confirmed account manager server.

In addition, the relay server 1300 further comprises an information storage unit 1330 for storing and managing the account information, corresponding account manager code information and account manager server access information in a predetermined storage medium by interworking. Can be.

The full-text receiver 1305 is connected to a predetermined network (for example, a financial network or a dedicated line between the check card management server 1335 and the relay server 1300) from the check card management server 1335 as shown in FIG. Based on the transaction protocol defined between the check card management server 1335 and the relay server 1300, a check card number item, a card company account number item to be withdrawn and processed from the member account, and the authorization request amount; Receive a predetermined debit processing (or payment) approval request message, including the approval request amount item according to the payment amount received from the payment terminal device 198 through the check card payment approval request message.

According to the present invention, a check terminal number item received by the specialized receiving unit 1305, a card company account number item to be withdrawn from the member account and the authorization request amount is processed, and a payment terminal through the full check card payment approval request A predetermined debit (or payment) authorization request full text including an authorization request amount item according to the payment amount received from the device 198 is provided to the expert reading unit 1310.

The specialized reading unit 1310 may check the check card number item through the professional receiving unit 1305, the card company account number item to be withdrawn from the member account and the payment process, and the check card payment approval request message through the special receiving unit 1305. When a predetermined debit processing (or payment) approval request text including an authorization request amount item corresponding to the payment amount received from the payment terminal device 198 is received, the debit processing (or payment) approval request text is read out and received. The check card number item is read from a preamble, and the read check card number information is transmitted to the information checking unit 1320.

According to another exemplary embodiment, the specialized reading unit 1310 may include a check card number item through the special receiving unit 1305, a card company account number item to be withdrawn from the member account, and the check request card amount, and the check card. When a predetermined debit processing (or payment) authorization request message including the approval request amount item and the check card payment account number item is received according to the payment amount received from the payment terminal device 198 through the payment approval request message. The debit processing (or payment) approval request message may be read, and the check card payment account number item may be further read from the full text message, and the read check card payment account number information may be transmitted to the information verification unit 1320.

When the check card number item is read and transmitted from the full message through the full text reader 1310, the information checking unit 1320 stores the storage medium (eg, the check card information and the payment account information in association with each other). Media) to extract the payment account corresponding to the read check card number, characterized in that to confirm whether the confirmed payment account is a bank account or a securities company (or insurance company) account.

According to another exemplary embodiment, when the check card payment account number item is further read and transmitted from the full message through the full text reader 1310, the information verification unit 1320 may store the storage medium (eg, account information and account). The storage company linked to the management company information is stored in conjunction with the storage medium) to determine whether the transferred payment account is a bank account or a securities company (or insurance company) account.

The full text generation unit 1325, when the check card information and the corresponding payment account information is confirmed through the full text reader 1310 and the information check unit 1320, the checked check card as shown in Figure 14b below The specialized transmission unit 1315 generates a debit processing (or payment) authorization request message including information, the payment account information, the debit processing (or payment) amount information, and a unique code of an account manager identified from the storage medium. Characterized in that delivered to.

According to the present invention, the account management server 1365 is the relay server 1300 and the relay server 1300 through a predetermined network (for example, a financial network or a dedicated communication network connecting the brokerage firm and the relay server 1300, etc.) It is connected with, characterized in that it comprises at least one or more banks or securities companies or insurance companies.

According to an embodiment of the present invention, the account management server 1365 stores at least one customer information, at least one payment account information corresponding to each customer, and a check card information associated with the payment account. And / or link the at least one or more customer information, at least one or more payment account information corresponding to each customer, and the check card information associated with the payment account through a predetermined network and / or interface means. It is characterized by interlocking with the database server to process, store and manage.

According to the present invention, the account management server 1365 includes at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). It is possible, and the invention is not limited thereby.

According to the embodiment of the present invention, the account management server 1365 is characterized in that at least one or more payment accounts are opened in connection with the check card, the account management server 1365 is a predetermined network (eg, A check card payment approval request amount item, the account manager code item, and the like from the relay server 1300 through a financial network or a dedicated communication network connecting the account management server and the relay server 1300, as shown in FIG. A receiving unit 1370 for receiving a predetermined debit processing (or payment) authorization request message including a payment account number item, an account manager branch code item, a member bank statement content item, and the like, and at least one account held by the customer (E.g., including a payment account associated with a check card) to open, manage, and operate, and before requesting the debit (or payment) authorization request. Read the account information and the debit (or payment) amount information, check the balance of the read account, and compare the balance of the securities account with the payment amount to debit the corresponding debit value ( Or payment) after generating an approval response message corresponding to the determination result of the account management unit 1375 and the account management unit 1375, and then generating the generated approval response message by the securities company (or insurance company) relay server ( 1300 or the account inquiry result transmission unit 1380 for transmitting to the check card management server 1335 may be configured.

Here, the account manager 1375 may include the check card payment approval request amount item received through the receiver 1370, the account manager code item, a billing account number item, an account manager point code item, and a member. The member securities account number is read out from a predetermined debit processing (or payment) authorization request message including a bank account contents item, and the like, and a database (or a database server interworking with the account management server) provided in the account management server. By interlocking, first confirming the validity of the read payment account, and if the validity of the payment account is confirmed, the payment approval request amount is read from the debit processing (or payment) approval request text and deposited in the payment account. By comparing the balance deposited in the payment account with the payment amount requested for payment. (E. G., Debit card, check processing according to the insufficient funds (or payment), error, etc.) is characterized in that passed to the transmission unit (1380) the balance inquiry results.

The account inquiry result transmitting unit 1380 debits the received payment unit 1370 based on a comparison result of the balance deposited in the payment account transferred from the account manager 1375 and the payment amount requested for payment. (Or payment) a debit processing (or payment) approval response message corresponding to the approval request message is generated and transmitted to the relay server 1300 (or check card management server 1335).

In this case, it is preferable that the generated debit processing (or payment) approval response message includes a normal processing or error processing history.

14A and 14B illustrate a check card debit processing (or payment) approval request specialized structure defined between a check card management server 1335 and a relay server 1300 (or a securities company server) according to an embodiment of the present invention. Drawing.

In detail, FIG. 14A shows a check card payment approval request between the check card management server 1335 and the relay server 1300 provided in the card company (or financial company) based on the system shown in FIG. FIG. 14B is a diagram illustrating an embodiment of a debit processing (or payment) approval request specialized structure generated and transmitted in response to the request. FIG. 14B is generated by the relay server 1300 and transmitted to the account management server 1365. FIG. 1 illustrates a method for implementing a debit (or payment) approval request specialized structure.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 14a and 14b to infer the full text of various debit (or payment) authorization requests to those skilled in the art. However, the present invention includes, but is not limited to, all implementation methods inferred above.

Referring to FIG. 14A, the debit processing (or payment) approval request message is a check card management server 1335 that receives the check card-based payment approval request message from the payment terminal device 198 in the process of FIG. 7. Reads a check card number and a payment approval request amount from the received payment approval request message, and generates a full debit processing (or payment) approval request message including the check card number and payment approval request amount and the relay server. 1300.

In this case, the relay server 1300 may check the payment account information corresponding to the check card number with reference to the check card number included in the debit processing (or payment) approval message.

Referring to FIG. 14A, a debit card debit requesting approval of a debit processing (or payment) for the check card transmitted to the check card management server 1335 and the relay server 1300 included in the card company (or financial company) is provided. The full text of the processing (or payment) authorization request may be configured to include a common part of 57 bytes and a separate part of 293 bytes.

Here, the common part of the debit processing (or payment) approval request preamble is commonly included in all transaction data transmitted and received between the check card management server 1335 and the relay server 1300 for the check card-based payment processing. It is preferable that those skilled in the art to which the present invention pertains will clearly understand the items defined in the common part of the check card debit processing (or payment) approval request text, so the detailed description thereof is omitted for convenience. do.

The individual unit of the check card debit processing (or payment) approval request specialist and the check card number item (CARD-NUM) received from the payment terminal device 198 to the check card management server 1335 through the payment approval request full message; , The card company account number item (ACCOUNT) to be withdrawn and processed from the member's securities account, and the authorization request amount item (APRV) according to the payment amount received from the payment terminal device 198 through the full payment approval request. -AMT).

The individual unit may further include a reservation for maintaining a block size of 293 bytes.

FIG. 14B corresponds to the check card information corresponding to the information included in the received debit (or payment) approval request message in the relay server 1300 that receives the full debit (or payment) approval request message as shown in FIG. 14A. As an embodiment of the entire debit processing (or payment) approval request to be sent to the account manager server, including the payment account information and the unique code of the account manager to further include, the debit processing shown in Figure 14b ( Or payment) approval request common part is preferably included in all transaction data transmitted and received between the relay server 1300 and the account management server for check card-based payment processing, in the technical field to which the present invention belongs Those of ordinary skill should clearly understand the items defined in the Commons section of the Check Card Debit (or Payment) Authorization Request Specialization. Therefore, a detailed description thereof will be omitted for convenience with reference to FIG. 14b.

A check card debit processing (or payment) approval request individual part shown in FIG. 14B is a check card number item (CARD) received from the payment terminal device 198 to the check card management server 1335 through the payment approval request message. -NUM), the credit card company account number item (ACCOUNT) to be withdrawn and processed from the member securities account, and the approval request according to the payment amount received from the payment terminal device 198 through the full payment approval request. An amount of money item (APRV-AMT), an account manager code item (STOCKS-CDE) extracted from a storage medium interworking with the relay server 1300 based on the check card number, a payment account number item (PAN), The account manager branch code (BRAN-CDE) item, and the membership account argument content item (INFO) can be made, and the individual part as shown in Figure 14a is reserved for maintaining a block size of 293 bytes (FILL) ER) may be further included.

FIG. 15 is a diagram illustrating a process of generating a debit processing (or payment) approval request message (or information) from the check card management server 1335 and transmitting it to the relay server 1300 according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates a check card management server 1335 receiving a full check card payment approval request from the payment terminal device 198 as shown in FIG. 5 based on the system shown in FIG. When the debit processing (or payment) authorization request text including the check card information and debit processing (or payment) amount information read from the full payment approval request message is generated and transmitted to the relay server 1300, the relay server In operation 1300, a check card number is read from the received debit processing (or payment) authorization request message, and the account management for managing the verified payment account by confirming payment account information corresponding to the read check card number. For the process of generating and transmitting the full message including the check card number, debit (or payment) authorization request amount and payment account information to the server 1365 An exemplary method.

Preferably, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15 to at least include the check card payment approval request information (or full check card payment approval) according to the intention of the skilled person. One or more securities firms (or insurance companies) may be inferred in various implementation methods to transmit to the relay server 1300 interworking with the account management server, the present invention is not limited by the inferred implementation method.

Referring to FIG. 15, when the check card management server 1335 receives a predetermined check card payment approval request message shown in FIG. 6 from the payment terminal device 198 through a predetermined payment network (1500), The received payment approval request text structure is read to extract the check card number and the debit processing (or payment) approval request amount information requested for the payment approval request from the payment approval request text (1505).

In addition, the check card management server 1335 configures the entire debit (or payment) approval request message including the extracted check card number and debit processing (or payment) approval request amount information as shown in FIG. 14A (1510). In step 1515, the debit processing (or payment) authorization request message including the check card number and the debit processing (or payment) authorization request amount information is transmitted to the relay server 1300.

Then, the relay server 1300 receives the full debit (or payment) approval request message sent from the check card management server 1335, reads the received debit (or payment) approval request message, and reads the The check card number is read from the full debit (or payment) authorization request (1520).

In addition, the relay server 1300 checks the payment account information corresponding to the read check card number by linking the check card information and the payment account information in association with the stored storage medium (1525). Check whether the payment account is a bank account or a securities company (or insurance company) account (1530).

Here, if the confirmed payment account is a bank account, the account management server 1365 shown in FIG. 13 is a bank server, whereas if the payment account is a securities company (or insurance company) account, the account management server 1365 The securities firm (or insurance company) is characterized in that the server.

Through the above process, when the account management server 1365 corresponding to the payment account corresponding to the read check card number is confirmed, the relay server 1300 approves the extracted check card number and debit processing (or payment). The entire debit processing (or payment) authorization request including request amount information, payment account information, and the account manager's unique code is configured as shown in FIG. 14B (1535), and the check card number and the debit processing (or payment) authorization request amount. The entire debit processing (or payment) approval request including the information is transmitted to the checked account management server 1365 (1540).

FIG. 16 is a diagram illustrating a process of transmitting a full debit (or payment) approval request message from the relay server 1300 to the account management server 1365 according to an exemplary embodiment of the present invention.

16 is a check card debit process including the check card number item, the check card payment approval request amount item, etc. from the check card management server 1335 in the relay server 1300 through the process shown in FIG. Or payment) Authorization request message (Fig. 14a) is received by the relay server 1300, the account management corresponding to the check card number read from the debit (or payment) authorization request message received from the relay server 1300 Check the server information, the debit (or payment) authorization request text including the check card number item, check card payment approval request amount item and payment account number item to the confirmed account management server 1365 (Fig. 14b) When the transmission, the account management server 1365 inquires the balance of the payment account according to the debit processing (or payment) approval request full text (Fig. 14b) to the debit processing (or payment) As an exemplary method for generating a debit (or payment) authorization response message corresponding to an authorization request, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16. According to the intention of the person skilled in the art to transmit the entire debit (or payment) approval request in accordance with the check card payment authorization request to the account management server corresponding to the check card (or payment account associated with the check card) requested for payment approval Various implementations may be inferred, but the present invention is not limited to the inferred implementations.

According to FIG. 16, the account management server 1365 is connected to the relay server 1300 through a predetermined network (eg, a dedicated communication network connecting the account management server 1365 and the relay server 1300). If a debit processing (or payment) authorization request message including the check card number item, the check card payment approval request amount item, and the payment account number item is received from the received information (1600), the received debit processing (or payment) authorization request message is received. In operation 1605, the payment account number and the authorization request amount information included in the debit processing (or payment) authorization request message may be read.

The account management server 1365 checks the balance of the read payment account, determines whether debit processing (or payment) is possible for the approved requested amount (1610), and debit processing corresponding to the determination result (or Payment) creates a full response response (1615).

Here, the determination result is preferably configured to include the normal approval or error history or a predetermined code corresponding thereto.

In addition, the account management server 1365 transmits the entire debit processing (or payment) approval response message including the normal approval or error history or a predetermined code corresponding thereto to the relay server 1300 (1620). ).

The relay server 1300 receives the full debit processing (or payment) approval response message transmitted from the account management server 1365 (1625), and checks the received debit processing (or payment) approval response text. The card is transmitted to the card management server (1630).

When the check card management server 1335 receives the full debit (or payment) approval response message from the relay server 1300 (1635), the check card included in the received debit processing (or payment) approval response message is received. Verify direct debit authorization or error history (or code corresponding to normal authorization or error history) and generate a full payment approval response message including the normal authorization or error history (or code corresponding to normal authorization or error history) (1640).

The check card management server 1335 transmits the generated payment approval response message to the affiliated payment device 198 which transmits the check card payment approval request message through the process of FIG. 5 (1645).

17 is a diagram showing a check card payment approval processing system using a relay server 1700 according to another embodiment of the present invention.

In more detail, in FIG. 17, a predetermined payment approval request message for a check card payment processing is generated at an affiliated store equipped with a predetermined payment terminal device 198, and the payment approval request message is transmitted through a predetermined payment network. Or a predetermined check card management server 1740 provided at a financial institution), the check card management server 1740 generates a predetermined debit processing (or payment) approval request text corresponding to the full payment approval request message. By transmitting the generated debit processing (or payment) approval full text to the relay server 1700, the relay server 1700 reads the transmitted debit processing (or payment) approval request text to read the check card information Read out and link the check card information and payment account information in association with the stored storage medium, and whether the payment account corresponding to the check card is a bank account or a securities company (or insurance company) account. Check the balance, check the balance of the read account in association with the account management server 1770 corresponding to the verification result, and debit processing (or payment) corresponding to the debit processing (or payment) amount according to the verification result; A method of determining a system and a system configuration for generating an approval response message corresponding to the determination result and transmitting the same to the check card management server 1740 may be illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer various check card payment approval processing system configurations using the relay server 1700, The present invention encompasses all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 17, the system is provided in at least one affiliated store and is connected to a payment terminal device 198 that provides a check card payment and a predetermined payment network (eg, a value added network (VAN)). A card company (or financial company) that issues a check card that interoperates with a payment account of a predetermined account management server 1770, receives a check card payment approval request message transmitted from the payment terminal device 198, and receives the received Generates a predetermined debit processing (or payment) approval request message including check card information and debit processing (or payment) amount information corresponding to the check card payment approval request text, and sends the generated text to the relay server 1700. A check card management server 1740 for transmitting and at least one account management server 1770 for managing and operating a securities account associated with the check card and a predetermined network (eg, a financial common network). , Internet, leased line, etc.), and receives a full debit processing (or payment) approval request message according to the payment approval request from the check card management server 1740, and receives the received debit processing (or payment) approval. Read the request text to read the check card information included in the full debit (or payment) authorization request message, and link the check card information with the payment account information in association with the stored storage medium to make a payment corresponding to the check card. Check whether the account is a bank account or a securities company (or insurance company) account, check the balance of the confirmed payment account in conjunction with the account management server 1770 corresponding to the verification result, and process the debit according to the verification result (Or payment) Determining whether or not it is possible to process a debit (or payment) corresponding to the amount, and generate a full debit (or payment) approval response corresponding to the determination result. After the completion, it is preferable to include a relay server 1700 for transmitting the generated message to the check card management server 1740.

According to another exemplary embodiment, the system is provided in at least one affiliated store, and is connected to a payment terminal device 198 providing a check card payment through a predetermined payment network (eg, a Value Added Network (VAN)). A card company (or financial company) that issues a check card interworking with a securities account of a predetermined securities company (or insurance company) account management server and receives a check card payment approval request message transmitted from the payment terminal device 198; Generate a predetermined debit processing (or payment) approval request message including check card information, debit processing (or payment) amount information, and payment account information corresponding to the received check card payment approval request text; Check card management server 1740 for transmitting to the relay server 1700, and at least one account management server for managing and operating a payment account associated with the check card (177) 0) and a predetermined network (eg, a financial common network, the Internet, a dedicated line, etc.), and receive a full debit processing (or payment) authorization request message according to the payment approval request from the check card management server 1740. And reading the received debit processing (or payment) authorization request message, reading the check card information included in the debit processing (or payment) authorization request message, and storing the check card information and the payment account information in association with each other. In connection with the medium, check the check card payment account included in the debit (or payment) authorization full text, and confirm whether the payment account is a bank account or a securities company (or insurance company) account, the account corresponding to the verification result Check the balance of the confirmed payment account in conjunction with the management server 1770, and debit processing corresponding to the debit processing (or payment) amount according to the verification result (and Payment) to determine whether it is possible to generate a debit processing (or payment) approval response message corresponding to the determination result, and may include a relay server 1700 for transmitting the generated message to the check card management server. have.

Here, the payment terminal device 198 generates a predetermined payment approval request message as shown in FIG. 6 including check card information, payment information, and merchant information for electronic payment processing, and generates the generated payment approval request message. Is transmitted to the check card management server 1740 through a predetermined payment network, and the electronic payment processing function for receiving a predetermined payment approval message corresponding to the full payment approval request message is provided through the payment network. It is done. According to an embodiment of the present invention, the payment terminal device 198 preferably comprises a credit authorization terminal (CAT) provided in the affiliated store.

Referring to FIG. 17, the check card management server 1740 is provided to a card company (or financial company) to perform a payment process using a check card associated with a predetermined check card payment account. A relay server interworking with the at least one account management server (eg, bank, securities company, insurance company, etc.) through a network (for example, a dedicated communication network connecting at least one card company (or financial company) and the relay server 1700) ( 1700).

In addition, the check card management server 1740 may include at least one or more servers (or devices), and / or include a functional configuration unit according to the present invention in a predetermined server (or device). The present invention is not limited thereby.

In more detail with reference to Figure 17, the check card management server 1740 is a check card-based payment approval request from the payment terminal device 198 provided in at least one or more affiliated stores through a predetermined payment network (eg, VAN, etc.) A specialized receiving unit 1745 for receiving a full text, an information reading unit 1750 for reading the full text of the payment approval request and extracting a check card number and predetermined payment amount information, and check card information extracted from the full text of the payment approval request; Generates a predetermined debit processing (or payment) approval request message containing debit processing (or payment) amount information and transmits it to the relay server 1700 and approves the debit processing (or payment) from the relay server 1700. When a debit (or payment) authorization response message corresponding to the request text is received, the payment destination of the check card is referred to with reference to the received debit (or payment) authorization response message. It may include a check card payment approval unit 1755 to approve the li.

In addition, the check card management server 1740 is a full text generation unit 1765 for generating a predetermined payment approval full text including the payment approval result generated by the check card payment approval unit 1755, and the generated payment It may further comprise a specialized transmission unit 1760 for transmitting the full text of the approval to the payment terminal device 198 of the affiliated store through the payment network.

The specialized receiving unit 1745 is provided through a predetermined payment network (eg, a VAN) according to a check card payment transaction protocol defined between the payment terminal device 198 and the check card management server 1740 provided at the affiliated store. Characterized in that it receives the check card-based payment approval request full text as shown in FIG. 6 from the payment terminal device 198, the received payment approval request full text is provided to the information reading unit (1750).

The information reading unit 1750 may determine whether the payment approval request check card is a check card associated with a securities account according to the present invention or a check card associated with an existing bank account. Characterized in that the check card number is extracted.

In addition, the information reading unit 1750 is characterized in that further extracts the payment information requested payment approval from the full payment approval request, the extracted check card number and payment amount information is provided to the check card payment approval unit. .

The check card payment approval unit 1755 receives the check card information and the debit processing (or payment) amount information read through the information reading unit 1750, and the check card information and the debit processing (or payment) amount information. Generates a predetermined debit processing (or payment) approval request message including the transmission to the relay server 1700, and the debit processing (or payment) from the relay server 1700 (or account management server 1770). When a debit processing (or payment) approval response message corresponding to the approval request text is received, the payment processing of the check card is approved with reference to the received debit processing (or payment) approval response text, and the payment processing approval result is received. Characterized in that the transfer to the professional generation unit 1765.

Here, the preamble may include a check card number item and an approval request amount item according to the payment amount received from the payment terminal device 198 through the check card payment approval request preamble.

According to another embodiment of the present invention, the preamble is a check card number item and a payment associated with the check request card item and the authorization request amount item according to the payment amount received from the payment terminal device 198 through the check card payment approval request message. It may be configured to include the account information, in this case, the check card payment approval unit 1755 checks the payment account information associated with the check card number from the database to include in the full text.

According to an exemplary embodiment of the present invention, a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card (or a balance inquiry result corresponding to a balance inquiry request of a securities account associated with the check card) is included. The predetermined text) preferably includes a check card-based payment processing approval result for the payment approval request amount sent when the balance inquiry request of the securities account associated with the check card is performed.

According to another exemplary embodiment of the present invention, a balance inquiry result corresponding to a balance inquiry request of a payment account associated with the check card (or a balance inquiry result corresponding to a balance inquiry request of a payment account associated with the check card) is included. Predetermined text) may include the check card-based payment processing rejection result and / or payment processing error code.

Referring to FIG. 17, the relay server 1700 may include at least one securities company (or insurance company or bank) account management server 1770 and a predetermined network (eg, at least one securities company (or insurance company or bank) account). Connected to an account management server 1770 provided in the at least one brokerage company (or insurance company or bank) through a management server 1770 and a dedicated communication network connecting the brokerage company (or insurance company) relay server 1700). It features.

According to an embodiment of the present invention, the relay server 1700 may include the check card information (or account (securities account, bank account, etc.) information associated with the check card information) and the check card information (or the check card information). And a storage medium for storing information on the securities company (or insurance company, bank, etc.) corresponding to the account information) and / or through the network and / or interface means. Interworking with the storage medium operating means for linking and storing and managing the information of the securities company (or insurance company or bank) corresponding to the check card information (or account information associated with the check card information) and the check card information (or the account information associated with the check card information). It is characterized by.

According to the present invention, the relay server 1700 may include at least one or more servers (or devices), and / or may include a function configuration unit according to the present invention in a predetermined server (or device). The present invention is not limited thereto.

In more detail with reference to FIG. 17, the relay server 1700 includes a predetermined message (eg, debit processing) including the check card number information and the payment authorization information requested from the check card management server 1740. (Or payment) a full text receiving unit 1705 for receiving a full text of a request for approval), a full text reading unit 1710 for reading check card information from the received debit processing (or payment) approval full text, and the storage. An information checking unit 1715 for checking whether the payment account corresponding to the check card information read by the specialized reader is a bank account or a securities company (or insurance company) in association with a medium; and the verified account management server 1770; Check the balance of the checked check card payment account and determine whether the debit (or payment) corresponding to the debit (or payment) amount is possible according to the verification result. Left and identification unit can comprise a debit processed (or payment) acknowledgment response message processing unit 1725 for generating a specialized transmitted to the check card management server which corresponds to the determination result.

In addition, the relay server 1700 may further include an information transmitter 1720 for transmitting the money transfer information corresponding to the full text of the approval response to the account management server 1770.

Here, the amount transfer information, the check card payment amount is withdrawn from the securities company (or insurance company) or bank account, characterized in that the deposit processing to the mother account corresponding to the check card management server 1740.

In addition, the relay server 1700 is stored in a predetermined storage medium by managing at least one securities company (or insurance company or bank) code information and the securities company (or insurance company or bank) server access information associated with the predetermined storage medium The storage unit 1730 may be further included.

The full-text receiver 1705 is connected to a predetermined network from the check card management server 1740 (e.g., a dedicated network between the financial network or the check card management server 1740 and the relay server 1700) as shown in FIG. 14A. A check card number item and the authorization request based on a transaction protocol defined between the check card management server 1740 and the relay server 1700 (and / or a securities company (or insurance company or bank) account management server) Predetermined debit processing including the card company account number item to be withdrawn from the member account and the payment is processed, and an authorization request amount item according to the payment amount received from the payment terminal device 198 through the check card payment approval request message. (Or payment) characterized in that for receiving the full request for approval.

According to the present invention, the payment terminal through the check card number item received by the specialized receiving unit 1705, the card company account number item to be withdrawn and processing the authorization request amount from the member account, the payment terminal through the full check card payment approval request A predetermined debit (or payment) authorization request full text including an authorization request amount item according to the payment amount received from the device 198 is provided to the expert reading unit 1710.

The full text reader 1710 through the full text receiving unit 1705 through the check card number item, the authorization request amount is withdrawn from the member account card company account number item to be processed and the check card payment approval request through the full text When a predetermined debit processing (or payment) approval request text including an authorization request amount item corresponding to the payment amount received from the payment terminal device 198 is received, the debit processing (or payment) approval request text is read out and received. Characterized in that read the check card number item and / or approval request amount item from the preamble.

When the check card number item is read from the full message through the full text reader 1710, the information checking unit 1715 may be connected to the storage medium and correspond to a securities company (or insurance company) corresponding to the read check card number item. Bank) checks the account management server 1770 (or brokerage company (or insurance company or bank) account management server 1770 access information).

The account verification unit 1735 accesses a database provided in the account management server 1770 or interworking with the account management server 1770 through the interface unit of the checked account management server 1770, and accesses the check card. After checking and checking the balance of the payment account, and determining whether the approval request amount can be processed by the balance of the check card payment account according to the inquiry result, and transmits the determination result to the specialized processing unit 1725 It is done.

When the balance inquiry result of the payment account associated with the check card is transmitted through the account verification unit 1735, the specialized processor 1725 receives a debit (or payment) approval response message in response to the sent balance inquiry result. To generate, and transmits the generated debit processing (or payment) approval response message to the check card management server 1740.

Here, the generated debit processing (or payment) approval response message may be based on a check card based payment processing normal approval result or check card based on the payment approval request amount transmitted when the balance inquiry request of the securities account associated with the check card is performed. It is preferable that the payment result of rejection and / or payment error code is included.

For example, in connection with a securities company (or insurance company or bank) account management server 1770 corresponding to the read check card number, check card payment account information and debit processing included in the debit processing (or payment) approval request message ( Or payment) if the balance of a predetermined customer check card payment account associated with the check card is less than the payment approval request amount based on the amount information, the check card-based payment processing rejection result and / or payment processing error code is included. The payment processing approval result (or full text) may be generated and transmitted to the check card management server 1740.

According to the present invention, the account management server 1770 provided in the securities company (or insurance company or bank) is the relay server 1700 and a predetermined network (for example, financial network or account management server 1770 and relay server ( Connected to the relay server 1700 through a dedicated communication network for connecting 1700, at least one customer information, at least one check card payment account information corresponding to each customer, and the payment account. A database for storing check card information, and / or via at least one network and / or interface means, the at least one customer information, at least one payment account information corresponding to each customer, and the payment account; It is characterized in that the interlocking with the database server for storing and managing the linked check card information.

The interface unit provided in the securities company (or insurance company or bank) account management server 1770 checks the relay server 1700 accessing through the network, where the securities company (or insurance company or bank) account management server ( 1770 and the relay server 1700 are preferably signed a predetermined agreement for the check card payment approval processing service using the relay server 1700 according to the present embodiment, the interface unit 1175 may be Authentication for the access to the relay server 1700 and the relay server 1700 is characterized in that the control to access to the database provided on the account management server 1770 (or insurance company or bank) account management server (1770).

18 is a diagram illustrating a process of generating a debit (or payment) approval request full text (or information) from the check card management server 1740 and transmitting the same to the relay server 1700 according to another exemplary embodiment of the present invention.

More specifically, FIG. 18 is a check card management server 1740 that has received a full check card payment approval request from the payment terminal device 198 as shown in FIG. 5 based on the system shown in FIG. 17. In the case that the debit processing (or payment) approval request message including the check card information and debit processing (or payment) amount information read from the full payment approval request message is generated and transmitted to the relay server 1700, the relay server At 1700, an account management is performed to read a check card number from the received debit processing (or payment) authorization request message, check payment account information corresponding to the read check card number, and manage the checked payment account. One embodiment of the process for accessing the server 1770 is described.

Preferably, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 18 to at least include the check card payment approval request information (or full check card payment approval) according to the intention of the skilled person. One or more securities firms (or insurance companies) may be inferred in various implementations to transmit to the relay server 1700 in conjunction with the account management server, the invention is not limited by the inferred implementation method.

Referring to FIG. 18, when the check card management server 1740 receives the predetermined check card payment approval request message shown in FIG. 6 from the payment terminal device 198 through a predetermined payment network (1800), The received payment approval request message structure is read to extract the check card number and the debit processing (or payment) approval request amount information requested for the payment approval request message from the payment approval request message (1805).

Then, the check card management server 1740 configures the entire debit (or payment) approval request including the extracted check card number and the debit processing (or payment) authorization request amount information as shown in FIG. 14A (1810). In operation 1815, the debit processing (or payment) approval request message including the check card number and the debit processing (or payment) authorization request amount information is transmitted to the relay server 1700.

Then, the relay server 1700 receives the debit processing (or payment) approval request message sent from the check card management server, reads the received debit processing (or payment) approval request message, and executes the debit processing ( Alternatively, the check card number is read from the full approval request (1820).

In addition, the relay server 1700 checks the payment account information corresponding to the read check card number in operation 1825 in connection with the storage medium in which the check card information and the payment account information are linked and processed. Check whether the payment account is a bank account or a securities company (or insurance company) account (1830).

Here, if the confirmed payment account is a bank account, the account management server shown in FIG. 17 is a bank server, whereas if the payment account is a securities company (or insurance company) account, the account management server 1770 is a securities company ( Or insurance company) server.

Through the process, if the account management server 1770 (or account management server 1770 access information) corresponding to the payment account corresponding to the read check card number is confirmed (1835), the relay server 1700 Access to the checked account management server 1770 (1840).

19 is a diagram illustrating a process of generating and transmitting a full debit processing (or payment) approval response message in conjunction with an account management server 1770 in a relay server 1700 according to an exemplary embodiment of the present invention.

19 is a check card debit process including the check card number item, the check card payment approval request amount item, etc. from the check card management server 1740 in the relay server 1700 through the process shown in FIG. Or payment) authorization request message is received, and reads the check card number from the received debit processing (or payment) authorization request message, the payment account and payment account management server 1770 corresponding to the read check card number; ) To check the balance of the check card payment account in conjunction with the confirmed account management server 1770 and to generate a full debit processing (or payment) approval response based on the inquiry result to generate the debit processing ( Or payment) An embodiment of the process for transferring the full approval response to the check card management server, having a general knowledge in the technical field to which the present invention belongs If so, with reference to this drawing 19 and / or modified to debit (or payment) approval in conjunction with the account management server 1770 corresponding to the check card (or payment account associated with the check card) according to the intention of the skilled person It is possible to infer various implementation methods for generating a response message and transmitting it to the check card management server, but the present invention is not limited to the inferred implementation method.

Referring to FIG. 19, when the relay server 1700 reads out the check card number included in the debit processing (or payment) authorization request message received from the check card management server 1740 through the process of FIG. 18 described above, Extract account management server 1770 information (or account management server 1770 access information) corresponding to the read check card number, and access the extracted account management server 1770 information (or account management server 1770). Information), the account management server 1770 accesses an inquiry about a payment account associated with the check card (1900).

In this process, the account management server 1770 checks the unique information (for example, unique code of the relay server 1700) or access information (for example, URL or IP) of the relay server 1700 to access through the network A predetermined authentication procedure may be performed for the relay server 1700.

When the connection is completed, the relay server 1700 checks the balance of the checked member check card payment account and checks the balance remaining in the member payment account, and compares the confirmed payment account balance with the authorization request amount and debits it. It is determined whether the processing (or payment) is possible (1905).

In addition, the relay server 1700 transmits a full debit processing (or payment) approval response message including a result of determining whether the debit processing (or payment) is possible (for example, normal approval or error history or a predetermined code corresponding thereto). Generate (1910), and transmits the created debit (or payment) authorization response message to the check card management server (1915).

In this process, when the result of determining whether the debit processing (or payment) included in the debit processing (or payment) approval response message is normal approval, the relay server 1700 sends the debit to the account management server 1770. The approval request amount included in the processing (or payment) approval request text is transferred from the member account, and the check card manager account number information and the money transfer information to be processed for payment are transmitted, so that the account management server 1770 recalls the approval amount. Withdrawal from the check card payment account to be deposited into the check card manager account.

The check card management server 1740 receives the debit processing (or payment) approval response message from the relay server 1700 (1920), reads the received debit processing (or payment) approval response message, and Check the debit (or payment) debit (or code corresponding to the normal approval or error) of the check card debit payment included in the full debit (or payment) authorization response, and confirm the normal approval or error (or normal approval or error history). In operation 1925, a payment approval response message including a corresponding code) is generated.

The check card management server 1740 transmits the generated payment approval response message to the affiliated payment device 198 which transmits the check card payment approval request message through the process of FIG. 5 (1930).

According to the present invention, by linking a check card with a securities account (or insurance company), etc., it is possible to increase the usability of the check card and securities account, by placing a relay server between the card company and the securities company (or insurance company), There is an advantage that a securities company (or insurance company) does not need to establish a separate system for operating a securities account as a check card payment account.

In addition, there is no need to establish a direct network between a securities company (or insurance company) and a card company through the relay server, which causes the card company to check each securities company (or insurance company) in order to transmit check card payment approval data. There is an advantage that can be eliminated.

Claims (6)

In the check card payment approval processing method executed by a server that can read the check card requested for payment, Checking whether the payment account of the check card requested for payment is an account opened by a bank or an insurance company; When the payment account is an account opened in a bank, a debit processing authorization request message that can be sent to the account management server provided in the bank is generated. When the payment account is an account opened by an insurance company opened in an insurance company, the insurance company Generating a debit processing approval request message that can be transmitted to the account management server provided in the; Transmitting the generated debit processing authorization request message to an account management server managing a payment account of the check card; And And receiving a debit processing approval response message corresponding to the debit processing approval request message from the account management server. According to claim 1, The debit authorization request full text, The common area corresponding to the information items commonly included in the debit processing approval request text that can be transmitted to the account management server of the bank and the debit processing approval request text that can be transmitted to the account management server of the insurance company, and the account management server of the bank. And a separate area corresponding to the information items included in the transfer debit processing approval request text and the debit processing approval request text transferable to the insurance company's account management server. delete delete delete delete

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