KR101832166B1 - Method for processing payment, payment server and payment terminal thereof - Google Patents

Abstract

The present invention relates to a payment processing method in a payment gateway server which includes the steps of: determining whether an approval for a first transaction is canceled by using information on the first transaction included in an approval request for a second transaction transmitted from a payment terminal device; requesting an approval for the second transaction from a card company server if it is determined that the approval for the first transaction is canceled; transmitting an approval cancellation determination result of the first transaction and an approval result of the card company server for the second transaction to the payment terminal device; and receiving and processing a point accumulation approval request for the second transaction generated based on the approval result for the second transaction from the payment terminal device. Accordingly, the present invention can improve a payment processing speed.

Description

METHOD FOR PROCESSING PAYMENT, PAYMENT SERVER AND PAYMENT TERMINAL THEREOF BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment processing method,

The present invention relates to a method of processing settlement using communication between a settlement terminal device and a settlement agent server.

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 vulnerability 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.

On the other hand, refineries or petroleum companies are introducing self-refueling / charging systems to increase the sales rate of petroleum products and standardize services. In order to process payments for gasoline / The actual transaction of the goods with the acquirer is acquired, the re-approval of the actual transaction price is reacquired after the transaction is completed, and the previous false receiver is canceled.

In the above-mentioned self-lubrication / filling station system, in the settlement environment in which the actual transaction amount can not be predicted until the completion of the transaction, it is possible to repeat the false payment, re- Thus causing inconvenience to the user.

Also, there is a case where the actual transaction amount can not be predicted, and the benefits such as the point card can not be properly earned due to the difference between the reward amount and the cancellation amount and the re-award amount. This is because, in principle, the same approval request is made for the delivery of the beast. Therefore, a point accumulation or a discount process is performed for the beast, and the re-approval requested later may be rejected or not normally accumulated.

Such a problem may occur more frequently because the credit card information can not be stored in the payment terminal when the credit card integrated point card is settled. Also, in such a case, there is a problem that it is difficult for the user or the system operator to appropriately accumulate the card company's desired point.

The present invention relates to a settlement processing method for efficiently constructing a settlement processing step to improve a settlement processing speed and thereby improve convenience for a user and to accurately and easily accumulate points, And a terminal device.

A payment processing method according to an exemplary embodiment of the present invention is a payment processing method in a payment processing server, the method comprising: using information about a first transaction included in an approval request for a second transaction transmitted from a payment terminal device Determining whether the approval for the first transaction is canceled; Requesting the credit card company server to approve the second transaction when the approval of the first transaction is canceled; Transmitting an approval cancellation result of the first transaction and an approval result of the card company server to the second transaction to the payment terminal device; And receiving and processing a point accumulation approval request for the second transaction generated based on the approval result for the second transaction from the payment terminal device.

According to another aspect of the present invention, there is provided a payment processing method of a payment transaction server, the method comprising: receiving payment information including identification information of a first transaction included in an approval request for a second transaction transmitted from a payment terminal, Requesting the card company server for approval of the first transaction and approval of the second transaction using the first transaction; Transmitting an approval cancellation result for the first transaction and an approval result of the card company server to the second transaction to the payment terminal device; And receiving and processing a point accumulation approval request for the second transaction generated based on the approval result for the second transaction from the payment terminal device.

According to another aspect of the present invention, there is provided a payment processing method in a payment terminal device, comprising: generating a first transaction approval request message including a first amount and transmitting the first transaction approval request message to a payment agent server; Receiving, from the payment agent server, a first transaction approval result message including identification information on the first transaction; Transmitting a second transaction approval request message including the identification information of the first transaction and the second amount to the payment agent server; Receiving, from the payment agent server, a full approval result for the second transaction and a full approval cancel result for the first transaction; And transmitting a point accumulation approval request for the second transaction to the payment agent server based on the approval result for the second transaction.

The settlement proxy server according to an embodiment of the present invention is a settlement proxy server for communicating with a settlement terminal device to process a settlement, the settlement proxy server comprising: And transmits a first transaction approval result complete message including information on the first transaction to the payment terminal device, receives identification information on the first transaction from the payment terminal device, A communication unit for receiving a second transaction approval request message including an amount of money; And a controller for determining whether or not the approval of the first transaction is to be canceled by using the identification information of the first transaction and requesting the credit card server to approve the second transaction when the approval cancellation of the first transaction is determined, Wherein the communication unit receives the authorization result for the second transaction from the credit card company server and transmits the authorization canceling decision result of the first transaction and the authorization result for the second transaction to the payment terminal device , And receives from the payment terminal device a point accumulation approval request for the second transaction generated based on the approval result for the second transaction.

According to another aspect of the present invention, there is provided a settlement proxy server for communicating with a settlement terminal device to process a settlement, the settlement proxy server comprising: a first transaction approval request message including a first amount transmitted from the settlement terminal device, From the credit card company server, transmits a first transaction approval result including the identification information for the first transaction to the payment terminal device, and receives from the payment terminal device the identification information for the first transaction And a second transaction approval request message including a second amount of money; And a control unit for requesting the card company server for approval of the first transaction and approval of the second transaction using the identification information for the first transaction, From the credit card company server, the approval cancel result and the approval result for the second transaction, and receives, from the payment terminal device that has received the approval result for the second transaction, And receives a point accumulation approval request for the second transaction.

The billing terminal device according to an embodiment of the present invention generates and transmits a first transaction approval request message including the first amount to the payment agent server in the payment terminal device and transmits the identification information for the first transaction And a second transaction approval request message including identification information on the first transaction and a second amount of money, to the payment agent server; And when a full text of the approval result for the second transaction and a full text of the approval cancellation result for the first transaction are received from the payment agent server, Wherein the communication unit transmits a point accumulation approval request for the second transaction to the payment agent server.

Meanwhile, the payment processing method may be implemented by a computer-readable recording medium storing a program to be executed by a computer, and may be provided as a program itself.

Also, the payment terminal device may be provided in the self-lubrication / filling system according to an embodiment of the present invention.

According to the embodiment of the present invention, the settlement agency server processes the transaction approval cancellation and the re-entry request based on the identification information of another transaction included in the transaction approval request text received from the payment terminal device, / Charging station system, the settlement process can be simplified in a settlement environment in which the actual transaction amount can not be predicted until the completion of the transaction, thereby improving the settlement processing speed.

Also, according to an embodiment of the present invention, the payment terminal device determines the point accumulating means based on the approval result information of the final transaction, and transmits the appropriate point accumulating request accordingly, Accuracy and convenience of point accumulation can be improved even in a settlement environment where the actual transaction amount can not be predicted until the completion of the transaction.

1 is a block diagram showing an embodiment of a billing 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 block diagram illustrating a configuration of a payment proxy server according to an embodiment of the present invention.
4 and 5 are flowcharts showing an embodiment of a settlement processing method according to the present invention.
6 is a diagram illustrating a configuration of a self-lube / charge settlement system according to an embodiment of the present invention.
FIGS. 7 to 12 are diagrams for explaining embodiments of a method of processing a payment for gasoline / charge amount in a self-service / filling system.

Hereinafter, a payment processing method according to an embodiment of the present invention, a payment proxy server for performing the payment method, and a payment terminal device 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 billing terminal 100, a payment agent server 200, and a credit card company server 300 Lt; / RTI >

Referring to FIG. 1, when a credit card using a credit card is settled at an affiliated store equipped with the settlement terminal device 100, the settlement terminal device 100 reads the card information from the credit card of the buyer, And transmits the approval request telegram to the settlement proxy server 200.

The billing terminal device 100 includes means for reading card information from a buyer's card (for example, a magnetic reader, an IC card reader, or an NFC reader) Such as a personal computer (PC), a mobile phone, a tablet, or the like, which is capable of communicating with the portable terminal (portable terminal), but the present invention is not limited thereto.

For example, the billing terminal device 100 may be implemented in the form of a point-of-sale (POS) system in combination with the store sales system, or may be implemented in a payment agency server 200 And a CAT (Card Authorization Terminal) for communicating with the mobile terminal.

According to an embodiment of the present invention, the payment terminal device 100 may be provided in the self-lube / charge payment system to process payment for the lump sum / charge amount, but the present invention is not limited thereto, And may be applied to payment terminal devices of interest.

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 payment terminal device 100 may be connected to the card issuer server 300 through the payment agent server 200 The transaction can be completed with the approval of the card payment.

The settlement terminal 100 and the settlement proxy server 200 of the company are connected to each other by a predetermined network network such as a telephone Internet or the like and are connected to the settlement agency server 200 The card issuer server 300 may be connected by 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 payment terminal device 100 of the corresponding merchant.

The settlement proxy server 200 transmits the approval result to the settlement terminal 100. The settlement terminal 100 that has normally received the approval result completely transmits an acknowledgment message to the settlement proxy server 200 ).

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

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

According to an embodiment of the present invention, in order to cancel the transaction approval of the first transaction, the payment terminal device 100 may include information for identifying the first transaction to be canceled in the approval request for the new second transaction To the settlement agency server 200, and the settlement proxy server 200 transmits the approval of the first transaction to the card issuer server 300 based on the identification information on the previous first transaction included in the second transaction approval request message .

To this end, the settlement proxy server 200 receives from the credit card company server the approval result of the first transaction approval request message including the first amount transmitted from the payment terminal device 100, and transmits the identification information And a second transaction approval request message including identification information on the first transaction and a second amount from the payment terminal device (100) And determines whether the approval of the first transaction is canceled by using the identification information of the first transaction, and may request the credit card company server 300 to approve the second transaction.

Accordingly, the payment proxy server 200 can determine the approval cancellation result for the first transaction according to the first transaction ID search for the existing transaction, From the payment terminal 300, and can transmit the payment to the payment terminal 100.

The payment terminal device 100 may generate a point accumulation approval request for the second transaction based on the approval result of the second transaction and transmit the request to the payment agent server 200. [

Accordingly, the settlement proxy server 200 transmits a point accumulation approval request for the second transaction to the card issuer server 300, receives the point accumulation approval result from the credit card company server 300, and transmits the point accumulation approval result to the payment terminal device 100 send.

Here, the card issuer server 300 may function as a point card issuer server for accumulating points. In this embodiment, the card company server 300 is described as being the same as the card company server 300 for the first transaction and the second transaction. However, the point card company server for accumulating points may be a credit card company for the first transaction and the second transaction, It may be different from the server. Accordingly, the card issuer server 300 may include a plurality of servers including a point card company server and a credit card company server for point accumulation.

The approval result for the second transaction generated by the payment agent server 200 may include point association information between the payment means and the point accumulation means for the first transaction and the second transaction. Accordingly, the payment terminal device 100 can identify whether or not the payment card is an integrated point card of the payment means, and identify the affiliation information (e.g., affiliate service code) for accumulating points using the point association information.

In addition, the payment terminal device 100 may generate a point accumulation approval request for delivering a point accumulation request to an appropriate card company using the point association information, and the payment agent server 200 may receive the point accumulation approval request It is possible to identify a target accumulating means for performing point accumulation based on the received information, identify the corresponding card issuer server 300, and transmit a point accumulation approval request for the second amount of the second transaction.

In addition, since the settlement terminal device 100 can request approval of the point accumulation for the second transaction after the approval result for the second transaction and the approval cancel of the first transaction are received, the settlement amount and the cancellation amount And the processing time is different, it is possible to prevent the problem that the benefit accumulation like the point card is not properly performed.

Accordingly, the settlement terminal device 100 can output the receipt including the point accumulation approval result, the second transaction approval result, and the first transaction approval cancellation result.

According to such a system configuration, the settlement processing speed can be improved by simplifying the settlement step in a settlement environment where the actual transaction amount can not be predicted until completion of the transaction such as the self-lube / filling station system, The point accumulation means is determined based on the approval result information of the second transaction and the appropriate point accumulation request is transmitted according to the result of the determination of the point accumulation means based on the approval result information of the second transaction so that points can be earned even in a settlement environment in which the actual transaction amount can not be predicted until completion of the transaction, The accuracy and convenience of the apparatus can be improved.

2 is a block diagram illustrating a configuration of a payment terminal according to an exemplary embodiment of the present invention. The payment terminal 100 includes a card reader 110, a professional producer 120, a user input unit 140 A communication unit 150, a memory 160, and a control unit 170. [0027]

Referring to FIG. 2, the card reader unit 110 acquires information stored in a card for payment by the user. Here, the card may be a credit card for payment or a point accumulation card. The card may also refer to a point integral card in which a point accumulation card is interlocked with a credit card. The card reader unit 110 may sequentially read a credit card and a point accumulation card, which are payment means, for payment and point accumulation, or may read a point integral card in which point accumulation is linked to the payment means.

The professional generating unit 120 generates a transaction approval request text using the information corresponding to the payment means and the transaction amount information among the card information acquired through the card reader unit 110. [ Here, the information corresponding to the payment means may include credit card information such as the card number, validity period, and CVC information of the magnetic or IC card, and may be read in an encrypted state.

When the user inputs a first amount of money, which is an arbitrary transaction amount, through the user input unit 140, the special-purpose generating unit 120 uses the card information of the payment means and the information stored in the memory 160, An approval request message for the first transaction can be generated.

Meanwhile, the first amount may be input through the user input unit 140, or may be preset in advance through a shortcut key or the like at the affiliate shop

The communication unit 150 transmits the first transaction approval request message generated by the message generator 120 to the payment agent server 200 and transmits the approval result for the first transaction to the payment agent server 200 in response to the approval request. And can receive it from the server 200.

The first transaction approval result message received from the payment agent server 200 may include first transaction identification information that is information for identifying the transaction, that is, the first transaction.

For example, the first transaction identification information may include a transaction number or an approval number, an approval date and time, a card number, and the like. In addition to the information, As shown in FIG.

If the transaction is approved for the first amount, which is the pre-transaction or the pre-transaction amount, the controller 170 stores the transaction approval history together with the first transaction identification information in the memory 160.

Thereafter, when the provision of the goods or services is completed, the control unit 170 confirms whether the transaction amount corresponding to the actually provided goods or services is equal to the first amount.

If the goods or service corresponding to the first amount is provided, the control unit 170 transmits the point accumulation request information for the point accumulating unit corresponding to the first amount to the payment agent server 200, 200 to the point accumulation request information.

The control unit 170 may control the receipt to be output using the transaction information included in the first transaction approval result received from the payment agent server 200 and the approval response to the point accumulation request information .

On the other hand, when the transaction amount corresponding to the actually provided goods or service is smaller than the first amount, the specialization generating unit 120 generates a second transaction including a second amount that is a transaction amount corresponding to the actually provided goods or service You can create an authorization request specialization.

According to an embodiment of the present invention, the second transaction approval request message may include a first transaction approval request message, which is included in the first transaction approval result received from the payment agent server 200 in response to the approval request for the first transaction, May be configured to include transaction identification information.

Also, the second transaction approval request message may include a true approval transaction identifier indicating that the first transaction identification information is included in the specific field.

The communication unit 150 transmits the second transaction approval request message including the second amount of money to the payment agent server 200. [

In this case, the payment proxy server 200 confirms whether the first transaction identification information or the genuine approval transaction identifier is included in the second transaction approval request received from the payment terminal device 100, It can be determined whether to cancel the approval for the first transaction.

For example, if the first transaction identification information is included in the second transaction approval request message or the genuine approval transaction identifier is included, the payment agent server 200 determines to cancel the approval for the first transaction .

Accordingly, the settlement proxy server 200 determines the cancellation of the approval for the first transaction, requests the credit card company server 300 for approval of the second transaction, and outputs the approval result for the second transaction in response to the request From the card issuer server (300).

Meanwhile, the settlement proxy server 200 may request the credit card company server 300 to cancel the approval for the first transaction, and may receive a response thereto to complete the cancellation process. Accordingly, since the settlement terminal 100 does not have to wait for the result of the cancellation process, the settlement procedure can be shortened.

The payment terminal device 100 can receive from the payment agent server 200 information on the approval cancel result of the payment transaction server 200 for the first transaction and the approval result of the card company server 300 for the second transaction The settlement terminal 100 may receive the second transaction approval result including the approval cancellation result for the first transaction together with the approval result for the second transaction from the payment agent server 200 have.

Alternatively, the settlement terminal device 100 may separately include the second approval result telegram including the approval result for the second transaction and the first transaction approval cancellation result telegram including the approval cancellation result for the first transaction separately from the payment agent server 200).

The settlement terminal device 100 identifies the point related information from the approval result for the second transaction through the professional creation unit 120 and transmits the second transaction identification information included in the approval result for the second transaction And the point accumulation means identification information.

The point association information may be included in a specific field of the second transaction approval result field and may include the integrated point card identity information of the payment means used in the second transaction, Lt; RTI ID = 0.0 > service < / RTI >

Here, the pointing means identification information may be a card number of the point card, and the second transaction identification information may include approval serial number information for the second transaction.

However, in the case of a point integral type card, since the card information is the payment means information, security can be maintained unless it is temporarily stored in the payment terminal device 100 or exposed.

According to the embodiment of the present invention, the specialty generating unit 120 generates a point accumulation approval request using the second transaction identification information when the payment means is a point integral card, and the payment agency server 200 Acquire the card information corresponding to the second transaction identification information, and transmit the point accumulation request based on the acquired card information to the card company server 300.

More specifically, in the case where the first identifier indicating that the payment means used in the second transaction is a point-integrated card exists in the authorization result for the second transaction, the special- And may generate the point accumulation approval request by including the transaction identification information of the second transaction in the accumulation approval request.

However, the point card may be further read through the card reader unit 110 according to the intention of the user, even though the goods payment means is a point integral type card.

In this case, when the pointing means information is additionally read in the state where the first identifier is present, the control unit 170 confirms the predetermined accumulation priority and, based on the accumulation priority, identifies the second transaction Or the point accumulating means information, to generate the point accumulation approval request.

Here, the priority order can be determined according to the device setting of the payment terminal device 100 or the user input. Accordingly, the user or the operator can determine the object to be accumulated so that the point can be selectively accumulated in any one of the point-integrated card and the other point card, respectively, thereby improving user convenience.

On the other hand, if there is a second identifier indicating that the payment means used in the second transaction is not a point integral card, the control unit 170 determines whether the second transaction has a point accumulation approval The request may include separately read point accumulation means information to generate the point accumulation approval request.

Unlike the point-integrated type card as the payment means, the card number of the point card may have a relatively low security level. Accordingly, the pointing means information may include the card number and affiliation information of the point card, and the control unit 170 may generate the request for approval of accumulation of the point card without the identification information of the second transaction.

The created point card charging approval request can be transmitted to the payment agent server 200 through the communication unit 150 and the communication unit 150 can receive the approval response.

Accordingly, the control unit 170 may output the receipt including the approval result of the point accumulation for the second transaction, the approval result for the second transaction, and the cancellation result for the first transaction, in whole or in sequence.

3 is a block diagram illustrating the configuration of a payment proxy server according to an embodiment of the present invention. The payment proxy server 200 shown in FIG. 3 includes a communication unit 210, a control unit 220, and a database 230 .

3, the communication unit 210 of the payment agent server 200 receives the first transaction approval request message including the first amount from the payment terminal device 100, and then receives approval for the first transaction To the card issuer server (300).

As described above, the first amount may be inputted through the user input unit 140 of the payment terminal device 100, or may be a transaction amount preset by the corresponding merchant

The communication unit 220 receives the approval result for the first transaction from the card issuer server 300 and transmits the first transaction approval result including the identification information for the first transaction to the payment terminal 100 .

As described above, the first transaction identification information may include a transaction number or an approval number, an approval date and time, a card number, and the like. In addition to the information, various information capable of identifying a transaction may be included in the first transaction identification information As shown in FIG.

The first transaction approval result may further include point association information of the payment means used in the first transaction. The point related information may further include information on whether the payment means is a point integral card, and affiliate information (affiliate service code or the like). The point association information may be used by the payment terminal device 100 to generate a point accumulation request.

Thereafter, when the second transaction for the actual transaction amount different from the first transaction is generated, the communication unit 210 receives the second transaction approval request message including the second amount from the payment terminal device 100. [

As described above, the second amount may be a transaction amount corresponding to an actually provided article or service.

The control unit 220 checks whether the second transaction approval request received from the payment terminal device 100 includes the identification information for the first transaction previously approved and cancels the authorization cancel for the first transaction And decides whether or not to do so.

For example, if the second transaction approval request information does not include identification information for another first transaction or does not include a separately defined advance approval identifier, the control unit 220 does not process the transaction approval cancellation If the second transaction approval request information includes the identification information of another first transaction or includes the advance approval identifier, the first transaction identification information is searched in the database 230 and the transaction is canceled Information can be confirmed.

If it is determined that the approval for the first transaction is to be canceled, the communication unit 210 requests the card company server 300 for approval of the second transaction, and transmits the approval result for the second transaction in response to the request From the card issuer server (300).

Thereafter, the communication unit 210 transmits the second transaction approval result including the approval decision result for the first transaction to the payment terminal apparatus 100 together with the authorization result for the second transaction.

Alternatively, the communication unit 210 may separately transmit the second approval result telegram including the approval result for the second transaction and the first transaction approval cancel result result including the approval cancellation determination result for the first transaction to the payment terminal apparatus 100 ).

Meanwhile, the communication unit 210 transmits the approval cancellation for the first transaction to the card company server 300 at a separate time point, irrespective of transmission of the first transaction approval cancellation result to the payment terminal device 100, And receive and process it.

The communication unit 210 receives from the payment terminal device 100 that received the approval result for the second transaction a point accumulation approval request for the second transaction generated based on the approval result for the second transaction And transmits the point accumulation approval request corresponding to the received point accumulation approval request to the card company server 300 to process the point accumulation.

More specifically, the approval result for the second transaction may include point association information for generating a point accumulation approval request for the second transaction at the payment terminal device. The control unit 220 can identify the point association information for the payment means from the approval result information received from the card issuer server 300. [

Here, the point related information may include the integrated point card identification information of the payment means used in the second transaction. The point association information may further include point association information of the payment means. The point affiliation information may include at least one of, for example, a point affiliation type, a point accumulation rate, or a point card company information, and may be formed in the form of an affiliate service code.

In addition, the point accumulation approval request for the second transaction may be transmitted to the payment terminal device 100 using any one of the second transaction identification information or the point accumulation means identification information included in the approval result for the second transaction May be selectively formed.

For example, if there is a first identifier indicating that the point-integrated card is a payment means in the first transaction approval result result or the second transaction approval result result message, the second transaction received from the payment terminal device 100 May include transaction identification information corresponding to the second transaction.

If there is a second identifier indicating that the payment means is not a point integral type card in the first transaction approval result or the second transaction approval result result, the pointing means identification information received from the payment terminal device is included .

Accordingly, when the transaction identification information of the approval result for the second transaction is obtained from the point accumulation approval request for the second transaction received from the payment terminal device 100, The payment server 300 may transmit the point accumulation request for the payment means identification information to the credit card company server 300 using the payment means identification information corresponding to the transaction identification information.

In addition, the control unit 220 receives the point accumulation result information for the user corresponding to the payment means identification information from the card issuer server 300, and based on the point accumulation result information, And transmits the result to the payment terminal device 100.

On the other hand, when the point accumulation means information is directly obtained from the point accumulation approval request for the second transaction received from the payment terminal device 200, the control unit 220 notifies the credit card company server of the point accumulation approval The request can be sent.

4 and 5 are flowcharts showing a settlement processing method according to an embodiment of the present invention. The settlement processing method is shown in FIG. 2 and FIG. 3 according to an embodiment of the present invention. And a block diagram showing the configuration of a settlement proxy server.

In the present embodiment, it is assumed that the goods or service is a lump / charge service. However, the present invention is also applicable to various goods or services in which the final amount is not specified, such as the amount of gas / Can be applied.

Referring to FIG. 4, when the billing / charging amount for the first transaction is selected through the user input unit 140 (S1001), the payment terminal device 100 receives the payment means and point accumulation The means is read (S1003).

Here, the first amount may be set in the first transaction, and the first amount may be a predetermined transaction amount set before the actual transaction, or may be a predetermined transaction amount entered in advance from the user before the transaction.

Accordingly, the communication unit 210 of the settlement agency server 200 receives the first transaction approval request message including the first amount from the settlement terminal apparatus 100 (S1005), and then approves the first transaction (S1007), and receives an approval result for the first transaction from the card company server 300 in response to the request (S1009).

The control unit 220 of the payment agent server 200 generates a first transaction approval result message including the identification information of the first transaction and the communication unit 210 transmits the generated first transaction approval result message To the payment terminal device 100 (S1011).

Here, the first transaction approval result field may include transaction number or approval number, and approval date information corresponding to the transaction number or approval number, as the identification information for the first transaction.

In addition, the first transaction approval result telegram may optionally include point association information for the payment means.

Thereafter, when the filling / charging is completed in the payment terminal device 100 (S1013), the communication unit 210 of the payment agent server 200 receives a second transaction approval request including the second amount from the payment terminal device 200 (S1015).

Here, the second transaction approval request message may include payment means information and amount information for a second transaction, a credit approval identifier for the second transaction approval request, the first transaction identification information (for example, Approval date information) may be included.

The control unit 220 of the settlement proxy server 200 determines whether the first transaction is canceled based on the second transaction approval request message at step S1016. Whether the first transaction identification information is included in the second transaction approval request message, or whether the first transaction identification information is included in the second transaction approval request message.

As described above, when a specific field of the approval request telegram is designated as a field for storing the transaction identification information, and a trusted approval identifier for indicating whether the specific field includes the transaction identification information is included in the approval request telegram .

Accordingly, when the settlement terminal device 100 determines that the second amount, which is the transaction amount corresponding to the actually provided goods or service, is different from the first amount approved for the previous transaction (for example, relatively small) after the transaction is completed, , The identification information for the first transaction including the first amount may be included in the second transaction approval request for the second amount.

The control unit 220 checks whether the identification information of the first transaction is included in the specific field of the second transaction approval request message received from the payment terminal device 100 and adds the first transaction identification information The first transaction is searched for from the existing transaction history and the first transaction is determined to be canceled if the first transaction exists in the existing transaction history.

More specifically, the control unit 220 of the payment agent server 200 checks the identifier contained in the specific location of the received second transaction approval request message (if the identifier has a value of "1 & , It is first checked whether or not the transaction ID information is included in the second transaction approval request message.

If the transaction identification information is included in the second transaction approval request message, the control unit 220 searches transaction information stored in the database 230 using the transaction identification information included in the specific field of the second transaction approval request message , It can be confirmed that the identification information for the first transaction is included in the second transaction approval request message.

Based on the above-described confirmation result, the control unit 220 may decide to cancel the approval for the first transaction.

Thereafter, the communication unit 210 requests the credit card company server 300 to approve the second transaction (S1017), and receives the approval result for the second transaction from the credit card company server 300 in response to the request S1019).

If the second transaction is approved (S1021), the communication unit 210 transmits the second transaction approval result to the payment terminal device 100 together with the self-approval cancel result for the first transaction.

Here, since the approval transaction cancellation of the first transaction according to the embodiment of the present invention is preliminarily determined by the payment agent server 200, even before the first transaction cancellation is requested to the card company server 300, And can transmit the approval cancellation result to the payment terminal device 100. [ Accordingly, the settlement proxy server 200 determines the first transaction approval cancellation result independently of the card company server and transmits it to the settlement terminal device 100 in advance, and then transmits a first transaction approval cancellation request to the card company server 300 And receive a response.

Accordingly, the control unit 220 of the payment agent server 200 notifies the payment transaction server 200 of the second transaction approval result including the approval result of the second transaction, And the communication unit 210 may transmit the generated second transaction approval result to the payment terminal 200. [

On the other hand, the control unit 220 generates a first transaction approval cancellation result including a second transaction approval result including the approval result for the second transaction and a first transaction cancellation result including the approval cancellation result for the first transaction, (100).

However, the cancellation of the approval for the first transaction may be requested to the card company server 300 before or after the approval request for the second transaction.

That is, after the approval for the second transaction is requested to the card company server 300 and the approval result for the second transaction is received from the card company server 300 in response to the request, (300), or an authorization cancel for the first transaction is requested to the card issuer server (300), and after the authorization cancel result for the first transaction is received from the card issuer server (300) in response to the request, 2 transaction may be requested to the card issuer server 300.

The settlement terminal device 100 checks whether or not a response to the second transaction approval request is received (S1025). If the response reception fails, the settlement agent server 200 transmits a re- (S1026).

Accordingly, the settlement proxy server 200 can confirm the approval information of the second transaction received using the information stored in the database 230 (S1027). This can be confirmed without communicating with the card issuer server 300 since the approval information stored in advance is compared.

If the approval information of the second transaction is confirmed and the first transaction exists in the existing transaction information, the settlement proxy server 200 transmits the re-acceptance response of the second transaction and the cancellation result of the first transaction through the communication unit 210 And transmits a response to the payment terminal apparatus 100 (S1028).

The communication unit 210 of the settlement proxy server 200 transmits an approval cancellation request for the first transaction to the credit card company server 300 in step S1029 and transmits the approval cancellation result for the first transaction to the credit card company server 300 (S1031).

Here, the approval cancellation request and response processing for the first transaction can be performed only between the payment agent server 200 and the card issuer server 300, and since the cancellation response has already been processed by the payment terminal device 100, Only the database 230 according to the approval cancellation result for the first transaction can be updated. Accordingly, the specialist generation unit 120 of the payment terminal apparatus 100 can generate the special transaction information based on the second transaction approval result information, And transmits a point accumulation approval request for the second transaction generated to the settlement proxy server 200 (S1033).

Accordingly, the control unit 220 of the settlement agency server 200 transmits the point accumulation approval request for the second transaction to the corresponding card company server 300 (S1035), and transmits the approval result to the card issuer server 300 (S1037).

Then, the control unit 220 of the payment agent server 200 transmits the point accumulation approval result to the payment terminal apparatus 100 (S1039). In the payment terminal apparatus 100, as a result of the second transaction approval, And a point accumulation approval result for the second transaction (S1041).

According to an embodiment of the present invention, the settlement terminal apparatus 100 having the above-described configuration and operation may be provided in the self-lube / charge settlement system.

In particular, the point accumulation approval request processing of the payment terminal device 100 according to the embodiment of the present invention will be described in more detail with reference to FIG.

5 is a flowchart illustrating an example of a payment processing method performed in a payment terminal according to an embodiment of the present invention.

5, the payment terminal device 100 receives a second transaction approval result from the payment agent server 200 through the communication unit 150 (S201).

Then, the payment terminal device 100 identifies the point-integrated type card information from the second transaction approval result (S203).

Further, the payment terminal device 100 identifies the point affiliation information from the second transaction approval result (S205).

As described above, the approval result for the second transaction may include point association information.

The settlement terminal device 100 then transmits the point accumulation approval request to the settlement terminal 100 using either the second transaction identification information included in the approval result for the second transaction or the point accumulation means identification information, Can be selectively generated.

The point association information may be included in a specific field of the second transaction approval result field and may include the integrated point card identity information of the payment means used in the second transaction, And affiliate service code information for accumulating points for the payment means.

Accordingly, when it is determined that the card is a point integral type card (S207), the control unit 170 of the payment terminal device 100 determines whether there is a point card which is an additional leading point accumulating means through the card reader unit 110 (S209 ).

If there is no additional leading point card, the specialty generating unit 120 of the payment terminal device 100 generates a point accumulation approval request message for the second transaction including the approval number of the second transaction approval result (S219 ).

In the case of the point integral type card, the card information may not be stored in the payment terminal device 100. Thus, the approval number of the second transaction approval result can be used in the point accumulation request. To this end, the special request for point accumulation approval for the transaction of the point-integrated card includes point-integrated card information, point affiliation information, approval number of the second transaction, and approval serial number of the second transaction extracted from the second transaction approval result can do.

Accordingly, the payment proxy server 200 can acquire some information such as the card number among the card information, which is the payment means matching with the approval serial number of the second transaction. Then, the payment agent server 200 can transmit a point accumulation approval request using the card number information to the card issuer server 300. [ The card number information transmitted to the card issuer server 300 may be partially masked or encrypted.

On the other hand, when there is an additional leading point card, the control unit 220 of the payment terminal device 100 confirms the accumulation priority (S211) and transmits a point accumulation approval request for the second transaction according to the accumulation priority order (S213).

Here, the priority of accumulation may be determined according to system setting or user input. Thus, the points for the second transaction can be accumulated on the point card, which is accumulated on the point-integrated card or newly added to the point card, according to the determined priority. The control unit 220 of the payment terminal device 100 may generate a point accumulation approval request according to the determined priority order.

If the priority order is a point-integrated type card, the point charge approval request special for the transaction of the point integral type card includes second amount information extracted from the second transaction approval result, point integrated card presence / absence information (for example, 1) Information, an approval number of the second transaction, and an approval serial number of the second transaction.

In the case where the priority is an additionally read point card, the point accumulation approval request message includes the second amount information of the second transaction, the point integral card presence / absence information (for example, 0), the point affiliation information and the read point card serial number information . ≪ / RTI >

On the other hand, if the card is not a point-integrated type card, the specialty generating unit 120 of the payment terminal device 100 generates a point accumulation approval request for the second amount of the second transaction using the point card information (S217). As in the case where the priority card is the card having the additional priority read in advance, the point accumulation approval request message includes the second amount information of the second transaction, point integrated card presence / absence information (for example, 0), point affiliation information, Point card serial number information.

Thereafter, the settlement terminal apparatus 100 transmits a point accumulation approval request for the second transaction to the payment agent server 200 through the communication unit 150 (S219), and receives from the payment agent server 200, The point accumulation approval result is received (S221).

Hereinafter, embodiments of a method of processing settlement in a self-lubricating / filling system will be described in detail with reference to FIGS. 6 to 12. FIG.

6 shows a configuration of a self-lubrication / filling system according to an embodiment of the present invention.

Referring to FIG. 6, the self-service / charging system 400 includes a payment terminal device 100 as described with reference to FIGS. 1 to 5, and a self-service / charging device 430, and 431, display portions 420 and 421 for displaying the amount / amount of money charged / charged, and a button 410 for calling an employee.

The payment terminal device 100 provided in the self supply / charging system 400 may be configured in the form of a module and may include a touch screen 141, an IC card reader 111, an MS card reader 112 and a receipt output unit 190.

Referring to FIG. 7, the user can select an amount to be charged / charged in the payment terminal device 100 in advance. For example, as shown in FIG. 7, the user can arbitrarily select an amount of gas to be charged / charged after selecting "gasoline "

The user touches any one of the areas displayed in units of 10,000 won on the screen 500, for example, the "60,000 won" area 510 to select a specific amount or touch the "full" area 515 A predetermined amount (for example, 150,000 won) can be selected.

Thereafter, as shown in FIG. 8, the user can select one of "cash", "credit card", and "trauma customer" as the payment method after selecting the oil kind and gasoline / charge amount.

When the user touches the "credit card" area 520 and inserts the IC card into the IC card reader 111, a procedure for processing payment for the previously selected gas / charge amount can be performed.

In addition, as shown in FIG. 9, the user can read the point card through the card reader 111, 112. If there is no loyalty card, no loyalty card can be processed. Here, even if the point card is not read, the credit card may be a point-integrated card, and the payment terminal device 100 may perform the processing accordingly.

In addition, the payment terminal 100 requests the payment transaction server 200 for the first transaction approval for the selected fuel / charge amount, and the payment agency server 200, which received the first transaction approval request, Requests a transaction approval to the card company server 300, receives a first transaction approval result from the card company server 300, and transmits the first transaction approval result to the payment terminal device 100.

For example, if the user touches the "filled" area 515 on the screen 500 as shown in FIG. 7 to select a pre-set " The request telegram may be transmitted from the payment terminal 100 to the payment proxy server 200.

Accordingly, the transaction for the 150,000 won is approved by the card issuer server 300 through the payment agent server 200, and the transaction approval message 530 indicating that the transaction for the 150,000 won is approved as shown in Fig. And may be displayed on the screen 500 of the gas / charge system 400.

In the meantime, even when the transaction approval message 530 is displayed on the screen 500, the user can cancel the transaction by touching the "transaction cancellation" field 531. In this case, Payment approval history is deleted.

After the filling / charging is completed, the payment terminal 100 can request the payment transaction server 200 to approve the second transaction for the actual charged / charged amount.

For example, if a user takes a gasoline / charger and starts to gasoline / charge his / her vehicle, then the vehicle is no longer able to charge / charge the gasoline before charging 150,000 won / For example, when the fuel tank or the rechargeable battery of the vehicle is full), a procedure for processing the payment for the actual gasoline / charged amount is completed.

For example, if the fuel cell or the rechargeable battery of the vehicle is filled with electric power of about 80,000 won or gasoline / gasoline charged, as shown in FIG. 11, the approval request message for paying the actual fuel / The settlement proxy server 200 transmits the settlement approval message 540 for the actual usage amount to the screen 500. [

In this case, the settlement terminal device 100 may include transaction identification information (for example, a transaction number or an approval number) for the previously approved 150,000 won in the approval request text for payment of the actual gas / To the proxy server (200).

The settlement proxy server 200 determines whether or not the first transaction is canceled by checking whether the identification information for the first transaction previously approved is included in the second transaction approval request message.

For example, if a transaction number for the previously approved 150,000 won is included in a specific field of the authorization request for payment of the actual gas / charge amount of 80,000 won, the payment agency server 200 confirms the approval for the above-mentioned 150,000 won Can be canceled.

Accordingly, the settlement proxy server 200 can request the credit card company server 300 to cancel the first transaction and receive the first transaction approval cancellation result from the credit card company server 300.

Thereafter, the payment proxy server 200 requests the credit card company server 300 for approval of the second transaction, and receives the second transaction approval result from the credit card company server 300.

For example, the payment agent server 200 requests the card company server 300 to cancel the transaction authorization for the first selected charged / charged amount of 150,000 won in step S800 and receives the result of the request. The actual charging / It is possible to request the card issuer server 300 for approval for a full charge and receive the result thereof.

Then, the payment proxy server 200 transmits the first transaction approval cancel result to the payment terminal device 100 together with the second transaction approval result.

On the other hand, the payment terminal device 100 selectively configures the point accumulation request for the second transaction based on the second transaction approval result, whether the point integrated card is present, and whether the additional point card is read, Lt; / RTI >

In particular, in the case where both the point integral type card and the additional lead card exist, the payment terminal device 100 can display the point accumulation destination selection interface as shown in FIG. 12 on the screen 500, The priority can then be determined. 12 shows that either the point-integrated GS one card used for settlement or the additional lead OK CASHBAG point card can be selected.

Accordingly, when the point accumulation for the selected point accumulation object is approved, the payment terminal device 100 cancels the cancel information of the first transaction received from the payment agent server 200 or the card issuer server 300, the approval information of the second transaction And the receipt can be output using the point accumulation result information.

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 (28)

A method for processing a payment at a payment agent server,
Determining whether the approval for the first transaction is to be canceled by using the information on the first transaction included in the approval request for the second transaction transmitted from the payment terminal device;
Requesting the credit card company server to approve the second transaction when the approval of the first transaction is canceled;
Transmitting an approval cancellation result of the first transaction and an approval result of the card company server to the second transaction to the payment terminal device; And receiving and processing a point accumulation approval request for the second transaction generated based on the approval result for the second transaction from the payment terminal apparatus,
The point settlement approval request for the second transaction received from the payment terminal device may be stored in the payment terminal device when the payment means information is temporarily stored in the payment terminal device or is not exposed The transaction approval serial number included in the approval result for the second transaction as the identification information of the payment means,
Payment processing method of the payment agent server. A method for processing a payment at a payment agent server,
Requesting the card company server to approve the approval of the first transaction and the approval of the second transaction using the identification information of the first transaction included in the approval request for the second transaction transmitted from the payment terminal device ;
Transmitting an approval cancellation result for the first transaction and an approval result of the card company server to the second transaction to the payment terminal device; And
Receiving and processing a point accumulation approval request for the second transaction generated based on the approval result for the second transaction from the payment terminal device,
The point settlement approval request for the second transaction received from the payment terminal device may be stored in the payment terminal device when the payment means information is temporarily stored in the payment terminal device or is not exposed The transaction approval serial number included in the approval result for the second transaction as the identification information of the payment means,
Payment processing method of the payment agent server. 3. The method according to claim 1 or 2,
When the pointing means identification information corresponding to the second transaction is additionally read to the payment terminal device, the point accumulation approval request for the second transaction is notified that the transaction approval for the second transaction Serial number or said point accumulation means identification information
Payment processing method of the payment agent server. 3. The method according to claim 1 or 2,
When the transaction approval serial number of the approval result for the second transaction is obtained from the point accumulation approval request for the second transaction received from the payment terminal device, the transaction approval serial number of the approval result for the second transaction Further comprising the step of transmitting a point accumulation request for the payment means identification information to the card company server using the payment means identification information
Payment processing method of the payment agent server. 5. The method of claim 4,
Receiving point accumulation result information for the user corresponding to the payment means identification information from the card issuer server; And
And transmitting to the payment terminal device a result of the point accumulation approval result for the second transaction based on the point accumulation result information
Payment processing method of the payment agent server. 3. The method according to claim 1 or 2,
Further comprising the step of transmitting a point accumulation approval request based on the point accumulation means to the card company server when the point accumulation means information is obtained from the point accumulation approval request for the second transaction received from the payment terminal device
Payment processing method of the payment agent server. 3. The method according to claim 1 or 2,
Wherein the first amount corresponding to the first transaction is the pre-transaction pre-set or entered transaction amount,
The second amount corresponding to the second transaction is a transaction amount corresponding to the actually provided goods or services
Payment processing method of the payment agent server. 3. The method according to claim 1 or 2,
Wherein the approval result for the second transaction includes point related information for generating a point accumulation approval request for the second transaction at the payment terminal device
Payment processing method of the payment agent server. 9. The method of claim 8,
Wherein the point related information includes identification information of the integrated point card of the payment means used in the second transaction
Payment processing method of the payment agent server. 10. The method of claim 9,
Wherein the point association information further includes point association information of the payment means
Payment processing method of the payment agent server. 3. The method according to claim 1 or 2,
If there is a first identifier in the first transaction approval result result or in the second transaction approval result result message indicating that the point integrated card is present in the special transaction result acceptance request for the second transaction received from the payment terminal device And the transaction approval serial number corresponding to the second transaction is included
Payment processing method of the payment agent server. 3. The method according to claim 1 or 2,
When there is a second identifier indicating that the payment means is not a point integral type card in the first transaction approval result or the second transaction approval result specialization, the pointing means identification information received from the payment terminal device is included
Payment processing method of the payment agent server. The method according to claim 1,
Wherein the determining step comprises:
And determining, in the case where the information on the first transaction exists in the existing transaction history, the approval cancellation for the first transaction independently of the card company server,
The payment terminal apparatus comprising:
Transmitting an approval cancellation result of the first transaction to the payment terminal device when the approval cancellation of the first transaction is determined; And
Further comprising the step of requesting the card issuer server to cancel the authorization for the first transaction at a separate time point, irrespective of transmission of the approval transaction cancel result of the first transaction to the payment terminal apparatus
Payment processing method of the payment agent server. A payment processing method in a payment terminal device,
Generating a first transaction approval request message including the first amount and transmitting the first transaction approval request message to the payment agent server;
Receiving, from the payment agent server, a first transaction approval result message including identification information on the first transaction;
Transmitting a second transaction approval request message including the identification information of the first transaction and the second amount to the payment agent server;
Receiving, from the payment agent server, a full approval result for the second transaction and a full approval cancel result for the first transaction; And
And transmitting a point accumulation approval request for the second transaction to the payment agent server based on the approval result for the second transaction,
If the payment means corresponding to the second transaction is an integrated point card, the point accumulation approval request for the second transaction transmitted from the payment terminal device is not stored in the payment terminal device The transaction approval serial number included in the approval result for the second transaction is included as the identification information of the payment means
A payment processing method of a payment terminal device. 15. The method of claim 14,
Wherein the step of transmitting the point accumulation approval request to the payment agent server comprises:
Identifying point association information from an approval result for the second transaction;
And
The step of selectively generating the point accumulation approval request using any one of the second transaction approval serial number or the point accumulation means identification information included in the approval result for the second transaction based on the point association information Included
A payment processing method of a payment terminal device. 16. The method of claim 15,
Wherein the point related information is included in a specific field of the second transaction approval result field and includes the integrated point card identification information of the payment means used in the second transaction
A payment processing method of a payment terminal device. 16. The method of claim 15,
Wherein the point association information further includes affiliate service code information for accumulating points for the payment means
A payment processing method of a payment terminal device. 15. The method of claim 14,
Wherein the step of transmitting the point accumulation approval request to the payment agent server comprises:
When a first identifier indicating that the payment means used in the second transaction is a point integrated card exists in the approval result of the second transaction, the transaction approval of the second transaction is accepted to the point accumulation approval request for the second transaction Including the serial number, to the payment agent server
A payment processing method of a payment terminal device. 19. The method of claim 18,
Wherein the step of transmitting the point accumulation approval request to the payment agent server comprises:
Confirming a predetermined accumulation priority when the point accumulating unit information is further read in a state where the first identifier exists; And
Further comprising the step of generating the point accumulation approval request using either the transaction approval serial number for the second transaction or the point accumulation means information according to the accumulation priority order
A payment processing method of a payment terminal device. 19. The method of claim 18,
Wherein the step of transmitting the point accumulation approval request to the payment agent server comprises:
When there is a second identifier indicating that the payment means used in the second transaction is not a point integral card, the second transaction includes a point-acquisition approval request for the second transaction And transmitting the information to the payment agent server
A payment processing method of a payment terminal device. 15. The method of claim 14,
Wherein the first amount is a pre-set transaction amount or a pre-transaction amount,
The second amount is a transaction amount corresponding to the actually provided goods or services
Payment processing method of the payment agent server. A settlement proxy server for communicating with a settlement terminal device to process settlement,
Receiving a first transaction approval request result including a first amount transmitted from a payment terminal device from a credit card company server and transmitting a first transaction approval result result including the information on the first transaction to the payment terminal device And a second transaction approval request message including identification information of the first transaction and a second amount from the payment terminal device; And
A control unit for determining whether or not the approval for the first transaction is canceled by using the identification information for the first transaction and for requesting approval from the card company server for the second transaction when the approval cancellation of the first transaction is determined; Lt; / RTI >
The communication unit
Receiving a result of approval for the second transaction from the card company server, transmitting a result of approval-cancellation determination of the first transaction and approval result of the second transaction to the payment terminal device, Receiving a point accumulation approval request for the second transaction generated based on the approval result for the second transaction,
The point settlement approval request for the second transaction received from the payment terminal device may be stored in the payment terminal device when the payment means information is temporarily stored in the payment terminal device or is not exposed The transaction approval serial number included in the approval result for the second transaction is included as the identification information of the payment means
Payment Agents. A settlement proxy server for communicating with a settlement terminal device to process settlement,
Receiving a first transaction approval request result including a first amount transmitted from a payment terminal device from a credit card company server and transmitting a first transaction approval result result including the identification information for the first transaction to the payment terminal And a second transaction approval request message including identification information of the first transaction and a second amount from the payment terminal device; And
And a control unit for requesting the credit card company server to cancel the approval for the first transaction and the approval for the second transaction using the identification information for the first transaction,
The communication unit
From the credit card company server, an approval cancellation result for the first transaction and an approval result for the second transaction, and from the payment terminal device that has received the approval result for the second transaction, Receiving a point accumulation approval request for the second transaction generated based on the result,
The point settlement approval request for the second transaction received from the payment terminal device may be stored in the payment terminal device when the payment means information is temporarily stored in the payment terminal device or is not exposed The transaction approval serial number included in the approval result for the second transaction is included as the identification information of the payment means
Payment Agents. 24. The method according to claim 22 or 23,
The approval result for the second transaction includes point related information for generating a point accumulation approval request for the second transaction at the payment terminal device,
The point accumulation approval request for the second transaction may include:
And the payment transaction terminal is selectively formed based on the point association information in the payment terminal device using any one of the second transaction approval serial number or the point accumulation means identification information included in the authorization result for the second transaction
Payment Agents. 25. The method of claim 24,
When the transaction identification information of the approval result for the second transaction is obtained from the point accumulation approval request for the second transaction received from the payment terminal device, A point accumulation request for the payment means identification information to be transmitted to the card company server is generated using the payment means identification information stored in advance
Payment Agents. 26. The method of claim 25,
Wherein the communication unit receives point accumulation result information for a user corresponding to the payment means identification information from the card issuer server,
Wherein the control unit generates a point accumulation approval result result for the second transaction based on the point accumulation result information and transmits the result to the payment terminal apparatus via the communication unit
Payment Agents. In a payment terminal apparatus,
A first transaction approval request message including a first amount is generated and transmitted to a payment agent server, and a first transaction approval result message including identification information on the first transaction is received from the payment agent server, And a second transaction approval request message including the identification information of the transaction and the second amount to the payment agent server; And
When a full authorization result for the second transaction and a complete authorization cancellation result for the first transaction are received from the payment agent server, a point accumulation approval for the second transaction based on the authorization result for the second transaction And a specialized generator for generating a request specialist,
Wherein the communication unit transmits a point accumulation approval request for the second transaction to the payment agent server,
If the payment means corresponding to the second transaction is an integrated point card, the point accumulation approval request for the second transaction transmitted from the payment terminal device is not stored in the payment terminal device The transaction approval serial number included in the approval result for the second transaction is included as the identification information of the payment means
Payment terminal device. 28. The method of claim 27,
The professional-
Identifying point association information from the approval result of the second transaction, and determining, based on the point association information, a second transaction approval serial number included in the authorization result for the second transaction or identification information of the point accumulation means To selectively generate the point accumulation approval request message,
Wherein the point related information is included in a specific field of the second transaction approval result, and the integrated point card identification information of the payment means used in the second transaction and the affiliate service code information for accumulating points for the payment means Included
Payment terminal device.

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