KR101751792B1 - Method for processing payment using ic card and payment terminal thereof - Google Patents
Method for processing payment using ic card and payment terminal thereof Download PDFInfo
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- KR101751792B1 KR101751792B1 KR1020150180236A KR20150180236A KR101751792B1 KR 101751792 B1 KR101751792 B1 KR 101751792B1 KR 1020150180236 A KR1020150180236 A KR 1020150180236A KR 20150180236 A KR20150180236 A KR 20150180236A KR 101751792 B1 KR101751792 B1 KR 101751792B1
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- payment
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- settlement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- B—PERFORMING OPERATIONS; TRANSPORTING
- B67—OPENING, CLOSING OR CLEANING BOTTLES, JARS OR SIMILAR CONTAINERS; LIQUID HANDLING
- B67D—DISPENSING, DELIVERING OR TRANSFERRING LIQUIDS, NOT OTHERWISE PROVIDED FOR
- B67D7/00—Apparatus or devices for transferring liquids from bulk storage containers or reservoirs into vehicles or into portable containers, e.g. for retail sale purposes
- B67D7/06—Details or accessories
- B67D7/08—Arrangements of devices for controlling, indicating, metering or registering quantity or price of liquid transferred
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Hardware Design (AREA)
- Mathematical Physics (AREA)
- Mechanical Engineering (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a settlement processing method using an IC card and a settlement terminal apparatus for performing the settlement method. The method comprises the steps of: Approving an offline settlement for the settlement; Generating an approval request telegram for requesting the card company server to approve online payment for the usage amount when the amount of usage corresponding to the actually provided goods or service is smaller than the transaction amount for offline payment; And transmitting the created authorization request message through a communication network.
Description
The present invention relates to a method of processing settlement using an IC card (Integrated Circuit Card).
Generally, a card issued to meet the needs of consumers in various financial institutions, such as banks, card companies, etc., is classified according to the method of paying the transaction amount, and a credit card for paying the transaction amount at a later time, A debit card that transfers money from a designated account of a company and pays a transaction price at the same time as a transaction, and a prepaid card that prepays a predetermined amount and then subtracts the transaction amount from the predetermined amount each time a transaction occurs.
The above-mentioned cards include a magnetic card using a magnetic stripe according to a medium for recording card information, and an IC card for programming or reading card information by directly contacting the IC pin after mounting the IC chip on the card. And so on.
Recently, in order to solve the security weakness that may occur in credit settlement using magnetic, IC contact card transaction is required for financial transaction security.
An IC card is a microprocessor and a memory card that can store and process information in the card, thereby minimizing the risk of forgery and alteration of the magnetic card and providing various services.
An IC card is a CPU intelligent card that can store and process information in a card with a built-in microprocessor, memory, OS, and security algorithms on a plastic card of the same size and thickness as a credit card. The storage capacity is higher than that of the conventional magnetic card, so that it is possible to perform various additional functions requiring additional information storage, and the security problem can be improved.
The IC card is divided into a contact type and a non-contact type according to a method of use. Specifically, a contact type IC card having a metal pattern on the front face of the card and a non-contact type IC card having a module and an antenna capable of wireless communication in the card are included.
On the other hand, refineries or oil companies are introducing a self-lubrication system to increase the rate of sales of petroleum products and standardize services. In order to process payment for lump-sum payments in a self-lubrication system, The actual transaction of the goods in the state is completed, the transaction reacquisition is reacquired after the transaction is completed, and the previous buyer is canceled.
In the above-mentioned self-service gas station system, in the settlement environment in which the actual transaction amount can not be predicted until the completion of the transaction, the take-in, re-take-in and cancellation cancellation are repeated to increase the settlement processing time and increase the settlement processing time, There is a problem that causes inconvenience.
An object of the present invention is to provide a settlement processing method and apparatus using an IC card which can efficiently form a settlement processing step to improve a settlement processing speed and thereby improve convenience for a user.
The payment processing method using an IC card according to an embodiment of the present invention is a payment processing method using an information stored in at least one of a payment terminal device and an IC card to perform offline settlement Approving; Generating an approval request message for requesting the credit card company to approve online payment for the usage amount when the amount of usage corresponding to the actually provided goods or service is smaller than the transaction amount for offline payment; And transmitting the generated authorization request message through a communication network.
The settlement terminal according to an embodiment of the present invention includes an offline settlement approval unit for approving an offline settlement of a transaction amount that is preset or entered before a transaction using information stored in an IC card; A memory for storing the offline payment approval history; A communication unit for transmitting offline payment approval details stored in the memory through a communication network when the provision of the goods or services corresponding to the offline transaction amount is completed; And an online payment processing unit for generating an approval request message for requesting the credit card company to approve the online payment for the usage amount when the usage amount corresponding to the actually provided goods or service is smaller than the offline transaction amount, .
On the other hand, the payment processing method using the IC card can be implemented as a computer-readable recording medium storing a program to be executed by a computer, and can be provided as a program itself.
Also, the payment terminal device may be provided in the self-service gas system according to an embodiment of the present invention.
According to an embodiment of the present invention, an offline settlement method and an online payment method may be used according to a comparison result between a transaction amount approved for offline settlement before the transaction using the information stored in the settlement terminal device or the IC card, It is possible to simplify the settlement step in a settlement environment in which the actual transaction amount can not be predicted until completion of the transaction like the self-service gas station system, thereby improving the settlement processing speed.
1 is a block diagram showing an embodiment of a configuration of a card settlement system according to the present invention.
2 is a block diagram illustrating a configuration of a payment terminal apparatus according to an embodiment of the present invention.
3 is a flowchart illustrating a payment processing method according to an embodiment of the present invention.
4 is a view showing a configuration of a self-lubrication system according to an embodiment of the present invention.
5 to 9 are diagrams for explaining embodiments of a method of processing a payment for a gasoline amount in a self-service system.
Hereinafter, a payment processing method using an IC card according to an embodiment of the present invention and a payment terminal device for performing the method 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 device "described in this specification includes a mobile phone, a smart phone, a laptop computer, a desktop computer, a digital broadcasting 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 a billing system according to an embodiment of the present invention. The billing system includes a
Referring to FIG. 1, when a credit card using a credit card is settled at an affiliated store equipped with the
The
For example, the
According to an embodiment of the present invention, the
1, the
For example, the
The
The
For example, the
Upon receiving the data related to the transaction approval request, the
Meanwhile, the
The
On the other hand, the
Thereafter, the
In the case of settlement using the IC card, the
For example, the payment
That is, in the case of the online settlement method, the approval for the settlement is performed by the
According to an embodiment of the present invention, an offline settlement approval process is performed on an arbitrary transaction amount before a transaction using the information stored in the
Accordingly, it is possible to improve the settlement processing speed by simplifying the settlement step in the settlement environment where the actual transaction amount can not be predicted until completion of the transaction, such as the self-service station system.
2 is a block diagram illustrating a configuration of a payment terminal according to an exemplary embodiment of the present invention. The
Referring to FIG. 2, the
The offline
If the user inputs an arbitrary transaction amount through the
On the other hand, the transaction amount may be input through the
As described above, the off-line
If the offline settlement is approved for the transaction amount set or inputted before the transaction as described above, the
When the provision of the goods or services corresponding to the offline transaction amount is completed, the
The
On the other hand, if the usage amount corresponding to the goods or services actually provided after the transaction is completed is smaller than the transaction amount already paid offline before the transaction, the online
In this case, the generated approval request message is transmitted to the
3 is a flowchart illustrating a payment processing method according to an embodiment of the present invention. The payment processing method shown in FIG. 3 is a block diagram showing a configuration of a payment terminal device according to an embodiment of the present invention shown in FIG. 2, . 3, a description of the same things as those described with reference to Figs. 1 and 2 will be omitted.
3, the offline
The offline
For example, the offline
Alternatively, the offline
As another embodiment, the
The above-described offline payment approval method is only an embodiment of the present invention. Therefore, the validity or BL check of the IC card is performed using information received from the IC card or information stored in the
Meanwhile, after the offline settlement of the transaction amount is approved in step S300, the offline settlement approval details are stored in the
Thereafter, the process waits until the transaction for providing the goods or service to the user is completed, and when the transaction is completed (step S310), the usage amount corresponding to the actually provided goods or service is compared with the transaction amount set offline in step S300 (Step S320).
The transaction completion time point may be a point in time when the provision of the goods or services corresponding to the previous offline settlement amount is completed, or may be the point in time when the provision of the actually available goods or services is completed.
For example, in the case of the self-lubrication system, after the offline settlement is approved for any transaction amount inputted beforehand or beforehand, if the lubrication is completed by the amount corresponding to the offline settlement amount, the transaction is completed , Or if it is not possible to carry out further lubrication even before the lubrication is completed by the amount corresponding to the transaction amount, it can be judged that the transaction is completed.
If the usage amount corresponding to the actual goods or service is not smaller than the transaction amount approved for offline payment (i.e., the goods or services corresponding to the transaction amount are completed and the actual usage The
In the case of the self-lubrication system, for example, after the off-line settlement is approved for any transaction amount inputted before the lubrication or preset, and the lubrication is completed by the amount corresponding to the off-line settlement amount, The offline settlement approval details stored in the
As a result of the comparison, when the usage amount corresponding to the actually provided goods or services is smaller than the offline transaction amount, the online
The
Hereinafter, embodiments of a method for processing settlement using an IC card in a self-lubricating system will be described in detail with reference to FIGS. 4 to 9. FIG.
4 shows a configuration of a self-lubrication system according to an embodiment of the present invention.
4, the self-
The
5 to 9 illustrate screen configurations displayed on the
Referring to FIG. 5, the user can arbitrarily select an amount of gas to be injected after selecting "gasoline" as a gasoline to be injected.
For example, the user may select a specific amount by touching any one of the areas displayed on the
Referring to FIG. 6, after the user selects the type of oil and gas, the user can select either "cash", "credit card" or "foreign customer" as the payment method.
When the user touches the "credit card"
For example, if the user touches the "filled"
On the other hand, even when the
After the user has begun to pump in his vehicle carrying a lube oil and then the vehicle is no longer able to travel (for example, the vehicle is full of fuel) before gasoline of the amount of 150,000 won approved for off- The procedure for processing the online settlement can be performed on the actual paid amount.
For example, when the fuel tank of the vehicle is filled with gasoline of about 80,000 won, the approval request for payment of the actual gasoline amount of 80,000 won as shown in FIG. 8 is transmitted from the self- And the
In this case, the off-line payment approval details for 150,000 won are deleted from the
On the other hand, if the user touches the "60,000 won"
The payment processing method according to an exemplary embodiment of the present invention may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM, a RAM, CD-ROMs, magnetic tapes, floppy disks, optical data storage devices, and the like.
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 and modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.
Claims (17)
Approving an offline settlement for a pre-transaction or an entered transaction amount using information stored in at least one of the settlement terminal device and the IC card;
Storing the offline payment approval details in a memory if the offline payment for the transaction amount is approved without communication with the outside in the payment system including the payment terminal device;
Comparing the usage amount corresponding to the actually provided goods or services and the offline transaction amount so as to selectively perform either of the offline payment method and the online payment method;
Generating an approval request text for requesting the credit card company server to approve online payment for the amount of usage if the amount of usage is smaller than the transaction amount of the offline payment; And
And transmitting the generated authorization request message through a communication network,
And deleting the offline payment approval history stored in the memory and canceling the offline payment approval internally without communication with the outside of the system when the usage amount is smaller than the offline transaction amount
Method of payment processing using IC card.
And a payment processing method using an IC card arbitrarily input by a user who is provided with the goods or services.
And processing the settlement approval for the transaction price using only the data communication between the settlement terminal device and the IC card without transmitting / receiving data to / from the outside via the communication network.
And confirming the validity of the IC card using the card information stored in the IC card.
And checking whether the IC card is normally usable using BL (Black List) information received through a communication network and stored in the payment terminal device.
Receiving a password from a user; And
And confirming whether or not the inputted password is matched by using the card information stored in the IC card.
Further comprising the step of transmitting the offline payment approval details through a communication network when the provision of the goods or services corresponding to the offline transaction amount is completed.
A settlement processing method using an IC card in which at least one off-line settlement approval history stored in the memory is transmitted to a settlement agency server or a credit card company server via a communication network when the provision of an article or service corresponding to the offline transaction amount is completed .
Further comprising a limit history inquiry step of comparing the usable limit of the IC card with the transaction amount.
Wherein the limit detail inquiry step is performed before the offline payment approval step.
A memory for storing the offline payment approval history;
A communication unit for transmitting offline payment approval details stored in the memory through a communication network when the provision of the goods or services corresponding to the offline transaction amount is completed;
A controller for comparing a usage amount corresponding to an actually provided article or service and the offline transaction amount to selectively perform either of an offline payment method and an online payment method; And
An online payment processing unit for generating an approval request message for requesting the credit card company to approve the online payment for the usage amount when the usage amount corresponding to the actually provided goods or service is smaller than the offline transaction amount, Lt; / RTI >
Wherein the control unit deletes the offline payment approval history stored in the memory and internally cancels the offline payment approval of the offline payment approval unit without communication with the outside of the system when the usage amount is smaller than the offline transaction amount
Payment terminal device.
Wherein the payment approval processing unit processes the payment approval for the transaction amount using only the information stored in the memory or the information received from the IC card without transmitting / receiving data to / from the outside through the communication unit.
Further comprising a limit checking unit for comparing the available amount of the IC card with the transaction amount.
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KR20200048691A (en) * | 2018-10-30 | 2020-05-08 | 강원대학교산학협력단 | Blockchain analysising apparatus for intrusion detection in bitcoin exchange |
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KR102039335B1 (en) * | 2018-06-22 | 2019-11-01 | (주)투비소프트 | Smart payment processing apparatus for gas charge and operating method thereof |
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Publication number | Priority date | Publication date | Assignee | Title |
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KR20200048691A (en) * | 2018-10-30 | 2020-05-08 | 강원대학교산학협력단 | Blockchain analysising apparatus for intrusion detection in bitcoin exchange |
KR102198266B1 (en) * | 2018-10-30 | 2021-01-04 | 강원대학교 산학협력단 | Bitcoin exchange with blockchain analysis device for intrusion detection |
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