KR101639865B1 - Card terminal and Method for processing payment information thereof - Google Patents

Abstract

The present invention relates to a terminal for payment of a card and a payment information processing method using the same, and the card terminal processes payment through communication with a payment agent server connected to a card issuer server, A first payment module for generating an approval request telegram for payment of a card according to the first payment module; A second payment module for generating an approval request special according to a communication professional format with the second settlement agency server; A communication unit for transmitting the generated approval request message to at least one of the first and second payment proxy servers; And the approval request message generated by the first payment module is transmitted to the first payment agent server through the communication unit, and when a failure occurs in the communication with the first payment agent server, the approval request message generated by the second payment module is transmitted to the communication unit To the second settlement agency server through the second settlement agency server.

Description

Technical Field The present invention relates to a card terminal and a payment information processing method using the card terminal,

The present invention relates to a method for processing settlement related information in a terminal for card settlement.

With the expansion of the electronic payment infrastructure, credit payment services based on credit card, check card, and debit card payment (hereinafter "credit card") settlement became common. After the user purchases the goods or services from the merchant through card payment, the credit payment service pays a fee for use of the goods or services to the credit card company on the payment date, and the merchant pays the sales price of the goods or services from the credit card company or the like The payment method using the payment settlement electronic payment infrastructure.

The system for providing the credit settlement service includes a plurality of card terminals provided at a plurality of merchant stores, and a Value Added Network (VAN) company providing a settlement agency service relating to card settlement between a plurality of merchants and card companies Server (hereinafter referred to as "settlement proxy server"), and a server of a card company who issued a credit card to the user are connected through a communication network. The vans mean a payment network for a payment transaction between the card terminals and the card issuer server.

In the billing system using the payment agent server between the card terminal and the card issuer server as described above, in the case where a failure occurs in the communication network between the payment agent server and the card terminal or between the payment agent server and the card terminal, , The card settlement may not be normally performed.

Also, in recent years, the above communication troubles have occurred more frequently due to the communication delay due to the surge of the number of card settlement, and thus the reliability of the settlement system is lowered.

Disclosure of Invention Technical Problem [8] The present invention provides a card terminal capable of efficiently handling a communication failure of a payment system and processing the settlement normally, and a payment information processing method using the card terminal.

The card terminal according to the embodiment of the present invention processes payment through communication with a payment agent server connected to a card issuer server and generates an approval request telegram for card payment according to a communication professional format with the first payment agent server A first payment module; A second payment module for generating the approval request telegram in accordance with a communication professional format with the second payment proxy server; A communication unit for transmitting the generated approval request message to at least one of the first and second payment agent servers; And an authorization request message generated in the first payment module is transmitted to the first payment agent server through the communication unit, and when a failure occurs in communication with the first payment agent server, And a control unit for allowing the approval request telegram to be transmitted to the second settlement proxy server through the communication unit.

According to another aspect of the present invention, there is provided a payment information processing method for processing payment information in a card terminal for processing a payment through communication with a payment agent server connected to a card issuer server, Creating a first approval request telegram for card settlement, Transmitting the generated first approval request message to the first payment agent server; Generating a second approval request text based on a communication professional format with the second settlement proxy server when a failure occurs in a communication process with the first settlement agency server; And transmitting the generated second approval request message to the second payment agent server.

The payment information processing method may be embodied as a computer-readable recording medium on which a program for execution by a computer is recorded.

According to an embodiment of the present invention, a plurality of payment modules are provided in a card terminal to transmit / receive a message for payment according to a professional format and an encryption method according to another payment agency server in case of a communication failure with an existing payment agent server, The settlement can be normally processed even in the case of a communication failure due to an error of a specific van network or the like, thereby reducing the inconvenience of the user.

According to another embodiment of the present invention, the card terminal stores only minimum information related to another payment agency server used for communication failure, and when the communication failure occurs with the existing payment agent server, It is possible to eliminate the inconvenience that data related to all settlement agencies available from the time of release of the card terminal must be stored.

1 is a block diagram illustrating a configuration of a card settlement system according to an embodiment of the present invention.
2 is a block diagram showing an embodiment of a configuration of a card terminal according to the present invention.
3 is a flowchart illustrating a method of processing payment information of a card terminal according to an exemplary embodiment of the present invention.
4 is a timing chart for explaining a first embodiment of a method for performing settlement in the case of a communication failure in a card settlement system according to an embodiment of the present invention.
5 is a timing chart for explaining a second embodiment of a method for performing settlement in the case of a communication failure in a card settlement system according to an embodiment of the present invention.
FIG. 6 is a timing diagram for explaining a third embodiment of a method for performing settlement in case of a communication failure in a card settlement system according to an embodiment of the present invention.
7 is a flowchart illustrating an exemplary method of transmitting an approval request message to a second settlement proxy server in the event of a communication failure with the first settlement proxy server.
8 is a flowchart illustrating an example of a method of transferring the approval result received from the second settlement proxy server to the first settlement proxy server after the communication failure is canceled.

Hereinafter, a card terminal and a payment information processing method using the card terminal according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

First, the terms used in the specification of the present invention will be briefly defined, and then an embodiment of the present invention will be described.

The term " terminal "described in this specification includes a mobile phone, a smart phone, a laptop computer, a desktop computer, a digital broadcast terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) Navigation, and the like. However, the present invention is not limited thereto, and may be various devices capable of user input and information display.

The "payment proxy server" refers to a server of a VAN company that relays a credit card electronic payment. However, various types of servers related to credit card electronic payment may also be applicable. Therefore, it is possible to separate the actual payment relay function and other additional functions into separate server types.

FIG. 1 is a block diagram of an embodiment of a card settlement system according to the present invention. The settlement system includes a card terminal 100, a payment agent server 200, and a card issuer server 300 Lt; / RTI >

Referring to FIG. 1, if there is a card payment using a credit card at an affiliated store provided with the card terminal 100, the card terminal 100 reads card information from the buyer's credit card, And transmits it to the payment proxy server 200. [

The card terminal 100 includes a means for reading card information from a buyer's card (for example, a magnetic reader, an IC card reader, or an NFC reader), and transmits the card information to the payment agent server 200 using a wired or wireless Internet, A personal computer (PC) capable of communicating with a mobile phone, a mobile phone or a tablet, but the present invention is not limited thereto.

According to one embodiment of the present invention, the card terminal 100 may be implemented in the form of a POS (point of sale) system in combination with the store sales system in addition to the functions described above, or may be implemented using a wireless Internet or a public telephone network And may be implemented in the form of a CAT (Card Authorization Terminal) communicating with the payment agent server 200.

1, the settlement proxy server 200 is described as being a single server type and is described as a technical feature of the present invention. However, the present invention is not limited thereto, The present invention can be implemented in two or more server groups for each component (or means), and the present invention is characterized in that it includes all the methods that can be inferred.

For example, the payment agent server 200 may be a server operated by a VAN company, and the card terminal 100 may be connected to the card issuer server 300 through a payment agent server 200 The transaction can be completed with the approval of the card payment.

The card terminal 100 and the settlement proxy server 200 of the bank are connected to a predetermined network network (e.g., telephone Internet, etc.), and the settlement agency server 200 and the credit card company The server 300 may be connected to a dedicated packet network.

The settlement proxy server 200 transmits the approval request telegram to the card company server 300 and receives the approval result telegram from the card issuer server 300 that approved the card acceptance.

For example, the payment proxy server 200 reads the credit card company information included in the user information in the approval request text for the credit card approval request, and transmits the data related to the transaction approval request to the credit card company server 300 of the credit card company send.

Upon receiving the data related to the transaction approval request, the card company server 300 compares the user information, the product order information, the payment amount, and the merchant information included in the data related to the transaction approval request with its own membership data or merchant data, Confirm whether the transaction between the card user and the merchant is valid.

Meanwhile, the card issuer server 300 transmits the transaction approval result for the transaction approval request to the payment agent server 200 of the relaying agency of the payment approval request, and the payment agent server 200 stores the authorization number data To the card terminal 100 of the corresponding merchant.

Then, the settlement proxy server 200 transmits the approval result telegram to the card terminal 100, and the card terminal 100 that has normally received the approval result telegram transmits an acknowledgment (ACK) message to the payment proxy server 200 Lt; / RTI >

On the other hand, the payment proxy server 200 that has normally received the confirmation message from the card terminal 100 may transmit a completion message to the card terminal 100 to notify that the confirmation message has been normally received.

Thereafter, the card terminal 100 that has normally received the completion message according to the above-described procedure can output the sales slip according to the payment approval.

In the payment method using the credit card, when the credit card user provides the card number, the expiration date, the card issuer, and the like necessary for credit card payment approval to the card terminal 100 installed in the merchant, A transaction approval is requested to the server 300 of the corresponding card company through the payment server 200 and payment is made based on the approved result.

However, when a communication failure occurs between the card terminal 100 and the payment proxy server 200, there may be a situation where at least one of the approval request telegram, the approval result telegram, the confirmation message, and the completion message is not normally transmitted or received In this case, the card terminal 100 judges that the card settlement has not been normally completed, and can notify the merchant and the buyer of the error in payment.

In the above description, it is assumed that the settlement is not performed due to a communication failure between the card terminal 100 and the settlement proxy server 200. However, an operation error of the card terminal 100 itself or an error in the settlement proxy server 200 The card settlement through the payment agent server 200 may not be normally performed depending on various causes such as a communication failure between the card issuer server 300 and the like.

1, a card settlement system according to an embodiment of the present invention includes a plurality of settlement proxy servers 200 to 260 connected between a card terminal 100 and a card issuer server 300, And the payment agency servers 200 to 260 can perform the operations of the payment agent server 200 as described above between the card terminal 100 and the card issuer server 300 respectively.

If at least one of the approval request message, the approval result message, the confirmation message, and the completion message for card settlement is not normally transmitted or received with the first payment agent server 200, The settlement may be performed according to the method described above with reference to Fig. 1 through any one of the first to eighth settlement servers 210 to 260.

More specifically, the card terminal 100 includes a plurality of payment modules corresponding to the payment agency servers 200 to 260 or a part of them, respectively, so that each of the payment modules can receive payment through the corresponding payment agent server (For example, special creation or conversion according to the communication professional format with the corresponding payment agent server) can be performed, so that the first payment agent server 210, In addition, the settlement can be normally performed through communication with another settlement agency server.

The card terminal 100 includes a communication unit 110, a control unit 120, a plurality of payment modules 130 to 132, And a memory 140. [0033]

2, the communication unit 110 included in the card terminal 100 is connected to a plurality of payment service servers 200 through 260 through a communication network of a broadband company to provide various information related to authentication and approval for card settlement It can transmit and receive.

Meanwhile, the plurality of payment modules 130 to 132 may perform an operation necessary to perform settlement using the settlement agent server corresponding thereto, and may store information (for example, corresponding information The address information for the payment agent server, the communication professional format and the encryption scheme information, etc.) are stored in the memory 140 or downloaded from an external server if necessary.

The first settlement module 130 is for performing settlement through the first settlement agency server 200, and operations necessary for the settlement can be implemented as hardware or software.

For example, since the format and the encryption method of the payment related specialties such as the approval request specialization or the approval result specialization may be different for each of the payment agencies that operate the payment agency server, the first payment module 130 may use the first payment agent It is possible to perform operations necessary for settlement according to the communication professional format and the encryption method with the server 200 (i.e., the professional format and the encryption method of the VAN 1).

More specifically, the first payment module 130 generates an approval request telegram for card payment according to a communication professional format with the first payment proxy server 200, and transmits the generated approval request telegram to the corresponding VAN 1, And transmits the encrypted authorization request message to the first payment agent server 200 through the communication unit 110. [

For this purpose, the first settlement module 130 includes a professional creation module (not shown) for creating or converting a settlement related specialty according to a communication professional format with the first settlement proxy server 200, And an encryption module (not shown) for encrypting according to the encryption scheme of the corresponding VAN 1.

Meanwhile, the second settlement module 131 is for performing settlement through the second settlement proxy server 210, and operations necessary for the settlement can be implemented as hardware or software.

For example, the second payment module 131 may perform operations necessary for payment according to the communication professional format and the encryption method (i.e., the professional format and the encryption method of the VAN 2) with the second payment agent server 210, More specifically, the approval request telegram can be generated according to the communication professional format with the second payment proxy server 210, and the generated approval request telegram can be encrypted according to the encryption scheme of the corresponding VAN2.

For this purpose, the second settlement module 131 includes a professional creation module (not shown) for creating or converting a settlement related specialty according to a communication professional format with the second settlement proxy server 210, And an encryption module (not shown) for encrypting according to the encryption scheme of the corresponding VAN 2.

The controller 120 controls the payment to be performed using one of the plurality of payment modules 130 to 132 depending on whether a communication failure has occurred with the payment agent server 200, And can control the operation.

For example, the control unit 120 causes the first payment transaction server 200 to transmit the approval request message generated by the first payment module 130 to the first payment agent server 200 through the communication unit 110, The authentication request message generated by the second payment module 131 may be transmitted to the second payment agent server 210 through the communication unit 110. [

If the response message to the approval request telegram or the approval result message transmitted to the payment agent server 200 is not received from the payment agent server 200 for a predetermined time, It can be determined that a failure has occurred in the communication with the base station.

The memory 140 includes an operating system (OS), firmware, and software necessary for the operation of the card terminal 100, such as the flash ROM and the SRAM 262, And may store information necessary for operation of the plurality of payment modules 130 to 132 in addition to the information.

Hereinafter, with reference to FIG. 3 to FIG. 8, embodiments of a method for processing payment information of a card terminal according to the present invention will be described in detail.

FIG. 3 is a flowchart illustrating a payment information processing method of a card terminal according to an embodiment of the present invention. Referring to FIG. 3, Will be described with reference to the block diagram shown in FIG.

Referring to FIG. 3, the first payment module 130 of the card terminal 100 generates a first approval request message for card settlement according to the communication professional format with the first payment agent server 200 (step S300) , The communication unit 110 transmits the generated first approval request message to the first payment agent server 200 (step S310).

For this purpose, in the memory 140 provided in the card terminal 100, information on a server address to be connected to the first settlement proxy server 200, information on the communication with the first settlement proxy server 200 It may contain information about the professional format.

The first approval request message is encrypted by the first payment module 130 according to a predetermined encryption scheme so that the first approval request message can be decrypted by the first payment agent server 200 and then transmitted to the first payment agent server 200 And information such as an encryption key or key necessary for encryption may be stored in the memory 140 for that purpose.

The controller 120 determines whether a failure has occurred in the communication with the first payment agent server 200 that transmitted the first approval request message (operation S320).

For example, the controller 120 transmits an acknowledgment (ACK) message to the first payment agent server 200 for the approval request message or the approval result message, and then transmits the acknowledgment message to the first settlement proxy server 200 within a predetermined period of time, It is possible to determine that a communication failure has occurred with the payment agent server 200 when the approval server 200 does not receive the approval result message or the completion message in response to the confirmation message.

The second payment module 131 receives the control of the card settlement in accordance with the communication professional format with the second settlement agency server 210 under the control of the controller 120 (Step S330). The communication unit 110 transmits the generated second approval request message to the second payment agent server 210 (step S340).

For this purpose, the memory 140 provided in the card terminal 100 stores information on the server address to be connected to the second settlement proxy server 210, information on the communication with the second settlement proxy server 210, It may contain information about the professional format.

Meanwhile, the second authorization request message is encrypted by the second payment module 131 according to a predetermined encryption method so that the second authorization request server 210 can decrypt the second authorization request message, and then transmitted to the second payment agent server 210 And information such as an encryption key or key necessary for encryption may be stored in the memory 140 for that purpose.

According to another embodiment of the present invention, information necessary for the operation of the second payment module 131, for example, the address of the second payment agent server 210, the format of the second approval request message, At least some of the encryption keys are not stored in the memory 140 in advance and are requested by the external download server through the communication unit 110 under the control of the control unit 120 when a communication failure occurs with the first payment agent server 200 It can be downloaded from it.

4 is a timing chart for explaining a first embodiment of a method for performing settlement in the case of a communication failure in a card settlement system according to an embodiment of the present invention.

4, information on the operation of the first payment module 130 (for example, the first payment agent server 130 (see FIG. 1) 200), and the address information of the first download server 201 may be stored in the memory 140 together with the encrypted format information.

The merchant receives the device and merchant identification information from the card terminal 100 and requests the merchant store download to the first download server 201 in step S401. The first download server 201 responds to the merchant store download request And transmits information such as address information (or a settlement phone number) to the first settlement proxy server 200 to the card terminal 100 (step S402).

For example, a terminal ID, a business registration number, a subscriber telephone number, a dealer code, and the like may be input to the card terminal 100 for downloading the merchant.

The first download server 201 receives a merchant store download request including the input information from the card terminal 100 and checks the input identification information to identify the merchant, To the card terminal 100, the address of the first settlement proxy server 200 that the first settlement proxy server 200 needs to access in order to perform settlement.

After the merchant downloading process of the card terminal 100 is completed, the card terminal 100 transmits the approval request message including the card information and the payment amount information read from the credit card of the purchaser to the first payment module 130, And transmits it to the first payment agent server 200 (step S403).

The first payment agent server 200 transmits the approval request telegram to the card company server 300 in step S404. After the card issuer server 300 receives approval for the card payment, To the proxy server 200 (S405).

Then, the first payment agent server 200 transmits the approval result message to the card terminal 100 of the corresponding merchant (step S406), and the card terminal 100 confirms that the approval result message is normally received ACK message to the first payment agent server 200 (step S407).

Upon receiving the acknowledgment message, the first payment agent server 200 transmits a completion message indicating that the acknowledgment message is normally received to the card terminal 100 in step S408.

The method of performing payment in the card settlement system as described with reference to FIG. 4 shows a method in which settlement is performed when a communication failure does not occur between the first settlement proxy server 200 and the card terminal 100, The VAN 1 that operates the settlement server 200 is set as the main VAN of the card terminal 100 so that the card terminal 100 can not communicate with the first settlement agency server 200 The authorization request message can be transmitted to the first settlement proxy server 200 of the VAN 1.

5, the card terminal 100 transmits the approval request message to the first payment agent server 200 (step S501), and then transmits a response message from the first payment agent server 200 for a certain period of time Or if the approval result telegram is not received, it is confirmed that a communication failure has occurred (step S502).

In this case, the card terminal 100 requests the second download server 211 to download information for performing card settlement through the second settlement proxy server 210 (step S503).

For example, the information requesting download to the second download server 211 includes data for the operation of the second settlement module 131, more specifically, the address of the second settlement proxy server 210, The second download server 210 can request information on the communication professional format and the encryption method (or encryption key) of the VAN 2 operating the second payment agent server 210.

The memory 140 of the card terminal 100 stores the address of the first payment agent server 200, the professional format information of the VAN1, and the encryption information as information for performing settlement through the VAN1 which is the main VAN, information on the VAN 2, which is the sub-VAN, may be stored only in the address of the second download server 211.

Accordingly, when the communication with the first payment agent server 200 fails, the card terminal 100 accesses the second download server 211 with the address information stored in the memory 140, (Step S504). In step S504, the second settlement proxy server 210 receives data necessary for transmitting the approval request message to the second settlement proxy server 210 using the request message 131.

In step S503, the card terminal 100 transmits identification information (hereinafter referred to as VAN identification information) about the first payment agent server 200 or the VAN1 that operates the first payment agent server 200 to the second download server 200 And the second download server 211 may confirm the received VAN identification information and transmit the requested data to the card terminal 100. [

For example, the VAN 1 operating the first settlement proxy server 200 alliances with the VAN 2 operating the second settlement proxy server 210 as a sub-van for settlement in case of a communication failure And the second download server 211 can confirm whether or not the second download server 211 is in an affiliation relationship with the main vans of the card terminal 100 using the received VAN identification information.

After the necessary data downloading process for the sub-van of the card terminal 100 is completed, the card terminal 100 generates the approval request telegram according to the professional format of the VAN 2 through the second payment module 131, To the settlement proxy server 210 (step S505).

In step S505, the card terminal 100 transmits identification information (hereinafter referred to as VAN identification information) to the first payment agent server 200 or the VAN 1 operating the agent, together with the transmission of the approval request message 2 settlement proxy server 210, and the VAN identification information, which is the payment agency identification information, can be used for checking, charging, cancellation or settlement of the payment in the future.

The second settlement proxy server 210 transmits the approval request telegram to the card company server 300 in step S506. After the card issuer server 300 receives approval for the corresponding card payment, To the proxy server 210 (S507).

Then, the second settlement proxy server 210 transmits the approval result telegram to the card terminal 100 of the corresponding merchant (Step S508), and the card terminal 100 confirms that the approval result telegram has been normally received ACK message to the second payment agent server 210 (S509).

Upon receiving the acknowledgment message, the second payment agent server 210 transmits a completion message to the card terminal 100 indicating that the acknowledgment message is normally received in step S510.

According to another embodiment of the present invention, the memory 140 of the card terminal 100 stores the address of the first payment agent server 200 as the information for performing settlement via the VAN 1 which is the main VAN, And the encryption information, as well as the address of the second settlement proxy server 210, the professional format information of the VAN2, and the encryption information as information for performing settlement through the VAN2 which is a sub VAN.

In this case, as shown in FIG. 6, the card terminal 100 transmits the approval request message to the first payment agent server 200 (Step S601) In step S602, the second payment module 131 may be used to generate or convert an approval request message according to the professional format of the sub-vane VAN2, and may transmit the approval request message to the second payment agent server 210. [

FIG. 7 is a flowchart illustrating an exemplary method of transmitting an approval request message to the second settlement proxy server 210 in the case of a communication failure with the first settlement proxy server 200. In the method shown in FIG. 1 to FIG. Description about the same things as those described with reference to Fig. 6 will be omitted below.

Referring to FIG. 7, the second payment module 131 of the card terminal 100 converts the approval request message transmitted to the first payment agent server 200 into a professional format of the sub-vane VAN2 or a preset common format (Step S700).

The common professional format may represent a professional format that is settable between the main vans VAN1 and the sub-vans VAN2 (or a plurality of the vans including them), and may conform to a negotiated protocol for use in the case of communication failure.

Thereafter, the second payment module 131 encrypts the converted approval request message with the common encryption method (step S710), and the communication unit 110 transmits the encrypted approval request message to the second payment agent server 210 (S720).

The common encryption scheme may indicate an encryption scheme that is set to be decryptable between the main vane VAN1 and the sub-vane VAN2 (or a plurality of vans including the sub-vans), and may be a cryptographic scheme negotiated for use in a communication failure.

According to another embodiment of the present invention, the approval result message received from the second settlement proxy server 210 in step S508 shown in FIG. 5 or step S605 shown in FIG. 6 is transmitted to the first and second payment modules 130 , 131), and is converted according to a communication professional format with the first settlement proxy server (200), and the converted approval result confidential message is transmitted to the first settlement agency server (200) after the communication failure with the first settlement agency server And transmitted to the server 200.

FIG. 8 is a flowchart illustrating an embodiment of a method for transferring the approval result received from the second settlement proxy server 210 to the first settlement proxy server 200 after the communication failure is canceled.

8, when the approval result telegram is received from the second payment agent server 210 in step S800, the second payment module 131 of the card terminal 100 decrypts the received approval result telegram, (Step S810).

For example, the second settlement module 131 may decrypt the approval result message received from the second settlement proxy server 210 according to the common encryption method as described above.

Thereafter, when the communication failure with the first settlement proxy server 200 is released (step S820), the first settlement module 130 converts the approval result result stored in the memory 140 according to the professional format of the main exchange VAN1d (Step S830), and the communication unit 110 transmits the re-encrypted approval result to the first payment agent server 200 (step S840).

After the communication failure is recovered as described above, the approval result message transmitted to the first settlement proxy server 200 may be used for checking, requesting, canceling or adjusting settlement of the corresponding settlement through the main bank VAN1.

The above-described payment information processing method according to the present invention may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM, a RAM, a CD-ROM , A magnetic tape, a floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

Claims (19)

A card terminal for processing a payment through communication with a payment agency server connected to a card issuer server,
A memory for storing first communication format information and first encryption information, which are transmission / reception data protocols of a first payment agent, and storing address information of a download server for a second payment agent;
A first payment module for generating an approval request message for card settlement in accordance with the first communication professional format information and the first encryption information with the first settlement proxy server;
When the failure occurs in the communication with the first settlement agency server, transmits the identification information of the first settlement agency server to the download server by using the address information of the download server, A second payment module for downloading second professional format information and second encryption information which are transmission / reception data protocols of the server, and generating the approval request telegram based on the second professional format information and the second encryption information;
A communication unit for transmitting the generated approval request message to at least one of the first and second payment agent servers; And
Wherein the second payment module transmits the approval request message generated by the first payment module to the first payment agent server through the communication unit, and when a failure occurs in communication with the first payment agent server, And a controller for transmitting the request telegram to the second settlement proxy server through the communication unit,
Wherein the download server includes second professional format information of the second settlement proxy server and the second cryptographic information according to whether the second settlement proxy server is in an affiliation relationship from the identification information of the first settlement proxy server And transmits to the second payment module necessary data necessary for the card terminal to transmit an approval request to the second payment agent server using the second payment module. The apparatus of claim 1, wherein the control unit
And requests the download server via the communication unit to transmit the necessary data for operation of the second payment module if a failure occurs in communication with the first payment agent server. The communication device according to claim 2,
From the download server, at least one of address information of the second settlement proxy server, the second professional format information, and the second encryption information. delete The communication device according to claim 1,
When a failure occurs in communication with the first settlement agency server, transmits the settlement agency identification information associated with the first settlement agency server to the second settlement agency server together with the approval request message generated in the second settlement module Card terminal. The communication device according to claim 1,
Receiving an approval result message transmitted from the second payment agent server in response to the approval request message,
Wherein the approval result received from the second payment agent server is converted according to a first communication professional format with the first payment agent server using at least one of the first and second payment modules. 7. The method according to claim 6,
Wherein the card terminal is transmitted to the first payment agent server after a communication failure with the first payment agent server is recovered. The apparatus of claim 1, wherein the control unit
And controls the generation of the approval request telegram according to a predetermined common professional format when a failure occurs in communication with the first settlement agency server. The apparatus of claim 1, wherein the control unit
When the failure occurs in communication with the first payment agent server, the approval request message is encrypted according to a predetermined common encryption method and then transmitted to the second payment agent server. 10. The apparatus according to claim 9, wherein the communication unit
Receiving an approval result message transmitted from the second payment agent server in response to the approval request message,
The approval result message received from the second settlement proxy server is decrypted according to the common encryption method and the decrypted approval result message is re-encrypted according to the first encryption information for communication with the first payment agent server ,
Wherein the re-encrypted approval result telegram is transmitted to the first payment agent server after the communication failure with the first payment agent server is restored. The apparatus of claim 1, wherein the control unit
And determines that a failure has occurred in communication with the first payment agent server if the response message or the approval result message to the transmitted approval request message is not received from the first payment agent server for a predetermined period of time. A method for processing payment information in a card terminal that processes payment through communication with a payment agent server connected to a card issuer server,
The first payment module storing first communication format information and first encryption information which are transmission / reception data protocols of the first payment agent server and storing an address of a download server to the second payment agent server;
The first payment module generating a first approval request text for card settlement in accordance with the first communication professional format and the first encryption information with the first settlement proxy server;
The first payment module transmitting the generated first approval request message to the first payment agent server;
Transmitting the identification information of the first settlement agency server to the download server using the address information of the download server when the second settlement module fails in communication with the first settlement agency server;
Downloading second professional format information and second encryption information, which are transmission / reception data protocols of the second payment agent server, from the download server;
The second payment module generating a second approval request telegram based on the second professional format information and the second encryption information of the second payment agent server; And
And the second payment module transmits the generated second approval request message to the second payment agent server,
Wherein the download server extracts, based on the identification information of the first settlement proxy server, second professional format information of the second settlement agency server and the second professional format information of the second settlement proxy server based on whether the second settlement proxy server is in an affiliation relationship with the first settlement agency server A server for transmitting to the second payment module necessary data necessary for transmitting the approval request to the second payment agent server using the second payment module including the second encryption information,
A method of processing payment information of a card terminal. delete delete 13. The method of claim 12,
When a failure occurs in the communication with the first payment agent server, the payment agent identification information associated with the first payment agent server together with the second approval request message is transmitted to the second payment agent server Processing method. 13. The method of claim 12,
Receiving an approval result message transmitted from the second payment agent server in response to the second approval request message;
Converting the approval result telegram received from the second payment agent server according to the first communication professional format with the first payment agent server; And
Further comprising: after the communication failure with the first payment agent server is restored, transmitting the converted approval result message to the first payment agent server. 17. The method of claim 16,
Encrypting the approval result message received from the second settlement proxy server according to the first encryption information for communication with the first settlement agency server; And
And transmitting the encrypted approval result message to the first payment agent server after the communication failure with the first payment agent server is restored. 13. The method of claim 12,
Further comprising the step of determining that a failure has occurred in the communication with the first settlement agency server if the response message or the approval result message to the transmitted approval request message is not received from the first settlement agent server for a predetermined period of time A method of processing payment information of a card terminal. A program for causing a computer to execute the method according to any one of claims 12, 15 to 18.

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