KR101853343B1 - System and method for engaging credit card payment services using a plularity of van servers - Google Patents

System and method for engaging credit card payment services using a plularity of van servers Download PDF

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Publication number
KR101853343B1
KR101853343B1 KR1020160147571A KR20160147571A KR101853343B1 KR 101853343 B1 KR101853343 B1 KR 101853343B1 KR 1020160147571 A KR1020160147571 A KR 1020160147571A KR 20160147571 A KR20160147571 A KR 20160147571A KR 101853343 B1 KR101853343 B1 KR 101853343B1
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South Korea
Prior art keywords
van
merchant
credit card
unit
servers
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KR1020160147571A
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Korean (ko)
Inventor
이홍재
김병곤
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주식회사 스마트로
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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/401—Transaction verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W48/00—Access restriction; Network selection; Access point selection
    • H04W48/02—Access restriction performed under specific conditions
    • H04W48/06—Access restriction performed under specific conditions based on traffic conditions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W48/00—Access restriction; Network selection; Access point selection
    • H04W48/08—Access restriction or access information delivery, e.g. discovery data delivery
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

Abstract

The present invention relates to a credit card settlement relay system and method using a plurality of van servers, and more particularly, to a credit card settlement relay system and method using a plurality of van servers, comprising: an affiliate shop interlocking unit for receiving a merchant special from a merchant host or an affiliate shop terminal, A distribution decision unit for deciding which one of the plurality of van servers to perform a credit card payment approval procedure; And a van interworking unit for transferring the vans specialized on the basis of the merchant specialty to the van server determined by the distribution decision unit, wherein the van server receiving the van special from the van interlocking unit receives the credit card payment And a credit card payment relay system using the plurality of van servers, and a method using the system.

Figure R1020160147571

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a credit card payment relay system and a credit card payment relay system using a plurality of van servers,

The present invention relates to a credit card payment relay system and a credit card payment relay method using a plurality of van servers, and more particularly, to a credit card payment relay system and a credit card payment relay method using a plurality of van servers, A card settlement relay system, and a card settlement relay method.

The payment process using the credit card is generally performed from the merchant terminal through the VAN company to the credit card company settlement system, and transaction approval is performed.

That is, when the merchant terminal generates the merchant special and transmits it to the van server, the van server transmits an approval request signal to the credit card company's billing system, receives an approval response signal therefrom, and transmits the approval request signal to the merchant terminal, A payment approval process is performed.

In the case of using a single van server in the credit card settlement processing process, there is a problem that the card settlement processing can not be smoothly performed when a failure occurs in the corresponding van server. Further, even if the failure does not occur, there is a similar problem even when the van server can not perform a normal function temporarily even if the load is concentrated on a short time.

Therefore, it is necessary to perform a credit card settlement processing by interlocking a plurality of van servers with the merchant terminal.

However, when a plurality of van servers are interlocked with the merchant terminal, the merchant terminal has to have a connection relationship with each of the plurality of van servers. Thus, each merchant terminal has a merchant terminal There is a problem that a program in the terminal must be separately provided. This results in a complicated problem that the merchant terminal must separately provide and operate a professional generation program corresponding to each van server.

Also, when the merchant terminal is interworked with a plurality of van servers, it is possible to utilize a plurality of van servers. However, since it is unclear what van server should be used as the merchant terminal, There is a limitation that it can not know whether it will do.

It is an object of the present invention to provide a credit card settlement relay system and a credit card settlement settlement method capable of performing a credit card settlement approval procedure using a plurality of van servers.

It is still another object of the present invention to provide a system and a method that can collectively inquire and manage all information related to a transaction by using a plurality of van servers using one relay system.

According to an aspect of the present invention, there is provided a credit card payment relay system using a plurality of vans servers, comprising: a merchant point interlocking unit for receiving a merchant special from a merchant host or an merchant terminal and transmitting the merchant special character to a van interlock; A distribution decision unit for deciding which one of the plurality of van servers to perform a credit card payment approval procedure; And a van interworking unit for transferring the vans specialized on the basis of the merchant specialty to the van server determined by the distribution decision unit, wherein the van server receiving the van special from the van interlocking unit receives the credit card payment And a credit card payment relay system using a plurality of van servers, wherein the credit card payment transaction system generates a card company message corresponding to the system, and transmits the generated card company message to the card company payment system.

Here, the distribution determination unit may be configured to determine a van server to perform the card settlement transaction service according to a processing ratio in which a predetermined card settlement transaction service execution ratio is set between a plurality of van servers.

It is preferable that the distribution decision unit is configured to determine a van server to perform a card settlement transaction service, excluding a van server having a failure among a plurality of the van servers.

In addition, the van interlocking unit may include: a vault specialization converting unit for generating a vault specialization based on the merchant specialty; And a van server communication unit for transmitting the vault text generated by the vender professional conversion unit to the van server determined by the distribution determination unit.

In addition, the vandum professional conversion unit may convert the specialty of the merchant into the format set in advance according to the van server determined by the distribution determination unit to generate the vane text.

It is preferable that the franchisee terminal is configured to generate at least a portion of the specialty information constituting the franchisee specialty by encrypting the at least a part of the specialty information constituting the franchisee specialty with an encryption key held by one of the plurality of van servers.

The van server may further include: a system interlocking unit for receiving a vane special from the van interlocking unit; A vanish decryption unit for decrypting encrypted information among the vanish texts received by the system interleaver to generate a plain text vault text; A videophone specialized conversion unit for generating a videophone message based on the vanish text of the plain text type generated by the vanish text decryption unit; And a card company linking unit for transmitting the card grooming message generated by the card sorter specialized conversion unit to the card company payment system.

It is also preferable that the vane special-purpose decryption unit is configured to perform decryption using an encryption key of any one of the plurality of van servers.

The merchant store decryption unit may further include a merchant store decryption unit for decrypting the encrypted special information among the special information of the merchant store specialist received from the merchant host or the merchant terminal to generate a plain text form merchant special.

It is preferable that the merchant store decryption unit is configured to perform decryption using an encryption key of any one of the plurality of van servers.

The van server may further include: a system interlocking unit for receiving a vane special from the van interlocking unit; A card wartime professional converting unit for generating a card wartime special based on the vanish text received by the system interlocking unit; And a card company linking unit for transmitting the card grooming message generated by the card sorter specialized conversion unit to the card company payment system.

According to another aspect of the present invention, there is provided a credit card payment relay method performed in a credit card payment relay system using a plurality of van servers as described above, comprising: a first step of receiving a merchant special from a merchant host or an merchant terminal; A second step of determining which one of the plurality of van servers to perform the credit card payment approval procedure; And a third step of transmitting a vanish message generated on the basis of the specialty of the merchant to the van server determined in the second step, wherein the van server receiving the vanish message includes a credit card payment system Generating a corresponding credit card company message, and transmitting the generated card company message to the credit card company payment system.

Here, the second step may determine a van server to perform the card settlement transaction service according to a processing ratio in which a predetermined card settlement transaction service execution ratio is set between a plurality of van servers.

Further, the franchisee terminal can generate at least a part of the specialty information constituting the franchisee specialty by encrypting the at least a part of the specialty information constituting the franchisee specialty with an encryption key held by any one of the plurality of van servers.

In addition, the van server decrypts the encrypted professional information included in the received vanish text to generate a plain text vault text, and transmits the vanish text to the card company who performs the credit card settlement service based on the generated plain text vault text. You can also create a card company text that corresponds to the payment system.

According to another aspect of the present invention, there is provided a credit card payment relay method performed in a credit card payment relay system using a plurality of van servers as described above, the method comprising: a first step of receiving a merchant special from a merchant host or an merchant terminal; A second step of decrypting the encrypted professional information among the professional information of the received merchant specialist to generate a plain text form merchant special; A third step of determining which one of the plurality of van servers to perform the credit card payment approval procedure; And a fourth step of transmitting a vanish message generated based on the plain text form merchant special to the van server determined in the third step, wherein the van server receiving the vanish message is a credit card company It is possible to construct a credit card company corresponding to the payment system and transmit the generated credit card company data to the card company payment system.

Here, in the second step, the decryption may be performed using an encryption key of any one of the plurality of van servers.

According to the present invention, it is possible to provide a credit card settlement relay system and a credit card settlement settlement method capable of performing a credit card settlement approval procedure using a plurality of van servers.

In addition, according to the present invention, a plurality of van servers can be utilized by utilizing one relay system, thereby providing a system and a method that can integrally inquire and manage all information related to a transaction.

In addition, according to the present invention, since a plurality of van servers can be used through one relay system, it is not necessary for the affiliate terminal to be directly linked with a plurality of van servers separately, and an existing processing procedure can be utilized almost as it is .

In addition, according to the present invention, since the processing rate between the van servers can be dynamically and real-time adjusted, there is an advantage that the van server can respond immediately when a failure occurs in the van server.

1 is a diagram illustrating a connection relationship of a credit card settlement relay system 100 using a plurality of VAN servers according to an embodiment of the present invention.
Fig. 2 is a diagram showing the configuration of the relay system 100 in a case where the relay system 100 does not decrypt the merchant special.
3 is a diagram showing an example of a processing rate table used in the distribution determination unit 120. [
4 is a diagram showing the internal configuration of the van-linked portion 130. As shown in Fig.
5 is a diagram showing a configuration according to another embodiment of the relay system 100, in which the relay system 100 decodes the configuration.
6 is a diagram showing the configuration of the van server 400. As shown in FIG.
7 is a flowchart illustrating a method of providing a card settlement service performed in the relay system 100 according to an embodiment of the present invention.
8 is a flowchart illustrating another embodiment of a card settlement service providing method performed in the relay system 100 according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a connection relationship of a credit card settlement relay system 100 using a plurality of VAN servers according to an embodiment of the present invention.

A credit card settlement relay system 100 (hereinafter simply referred to as "relay system 100") using a plurality of van servers according to the embodiment shown in FIG. 1 includes a plurality of merchant host 200 and a plurality of van servers 400, and relays credit card settlement from the merchant terminal 200 to the van server 400.

The merchant host 200 receives the merchant specialties transmitted from the affiliated merchant terminals 300 connected to the plurality of merchant terminals 300, performs an approval preprocessing process if necessary, and transmits the merchant specialist to the relay system 100 Function.

In addition, when receiving the approval text transmitted from the credit card company payment system 500 through the relay system 100, the credit card company 300 transmits the received approval text to the merchant terminal 300.

Here, the approval preprocessing process is a process in which the merchant host 200 verifies the validity of the merchant information, verifies the BIN number of the credit card number for the merchant store received from the merchant terminal 300, And verifying the validity of the payment amount.

The franchisee host 200 performs an approval pre-processing process based on the non-encrypted specialty information among the professional information included in the specialty of the affiliate shop received from the affiliate shop terminal 300. [ Merchant information, credit card bills, payment amounts, etc. are included in the merchant specialist as unencrypted professional information.

The validity of the merchant information means that the merchant information contained in the specialty of the merchant is included in the unencrypted expert information. The verification of the BIN number of the credit card number determines whether the empty number itself is valid or not . In addition, verification of the settlement amount means determining whether the settlement amount is an amount that meets predetermined conditions (for example, whether it is an unreasonably high amount).

The franchisee host 200 performs this approval pre-processing process.

The franchisee host 200 may omit the approval preprocessing process and transmit the received specialty of the franchisee to the relay system 100 as it is. In this case, the approval preprocessing process may be performed in the relay system 100 or the van server 400.

In addition, the franchisee terminal 200 may be omitted, and the franchisee terminal 300 may be directly connected to the franchisee system 100 to directly transmit the franchisee specialty to the relay system 100.

The merchant terminal 300 is disposed at an affiliated store, reads out a credit card, generates a merchant special and transmits it to the merchant host 200. It also performs functions such as receiving authorization approval from the merchant host 200 and outputting a sales slip.

The merchant terminal 300 reads the credit card to acquire credit card information such as a card number, and transmits predetermined information necessary for creating a merchant special from among credit card information, other payment information such as merchant information, payment amount information, And creates a merchant specialty by combining related information. Such information is referred to as specialized information constituting a merchant specialty.

When creating the merchant specialty, the merchant terminal (300) encrypts at least a part of the expert information constituting the merchant specialty to compose a merchant specialty. As described above, the merchant specialty consists of professional information such as a credit card number, merchant information, payment amount information, installment information, etc., and at least some of the specialized information is encrypted.

Generally, it is common for a credit card number to perform encryption, and optionally for other specialized information, encryption is performed as needed.

Meanwhile, the first six digits of the credit card number are referred to as a credit card bin (BIN) number, which includes information on the credit card issuer and the card type. These credit card vouchers are typically unencrypted professional information and are included in merchant specializations. The credit card blank number may be used to verify the credit card number in the authorization preprocessing process at the merchant host 200.

The more encryption is performed for more specialized information, the more security is enhanced. However, since the processing time is delayed, it is desirable to preset the encryption target in an appropriate range.

The merchant terminal 300 performs encryption of at least a part of the expert information using the encryption key of any one of the plurality of van servers 400. The van server having the encryption key used in the encryption is called the main van server.

The encryption key of the main van server is shared with the relay system 100 and the other van servers 400 in advance so that the relay system 100 or all the van servers 400 can decrypt it.

The technique of performing the encryption using the encryption key is not a direct object of the present invention, and the one known in the prior art can be used as it is, so that the detailed description is omitted here.

The van server 400 is connected to the relay system 100 and the credit card company billing system 500 via a network and receives the vending text transmitted from the relay system 100. The vending server 400 converts the received vending text into a credit card company text, To the credit card company payment system of the payment system 500 to request credit card payment approval.

In this case, if the vane server 400 includes encrypted information, the van server 400 may decrypt the encrypted portion and convert the decrypted portion into a card company text and transmit it to one of the card company payment systems 500.

When the van server 400 decodes the vane text, the transit system 100 transmits the merchant text received from the merchant host 200 or the merchant terminal 300 to the van server 400 without decoding it.

When the relay system 100 decrypts the merchant special, the van server 400 does not need to decrypt the van special.

Decryption is performed using the encryption key of the main vanserver 400 as described above.

In addition, the van server 400 receives an approval message (credit card payment approval response signal) from the credit card company payment system 500 and transmits it to the relay system 100.

The credit card company payment system 500 receives the credit card company text from the van server 400, determines whether or not the payment is approved based on the card company credit, and transmits the approval text to the van server 400. The specific configuration and operation of the card issuer payment system 500, such as determining whether payment has been approved or not, and transmitting the approval approval, are well known in the prior art and are not a direct object of the present invention. The detailed description is omitted.

The relay system 100 is connected between the merchant host 200 or the merchant terminal 300 and the van server 400 to receive merchant specialties from the merchant host 200 or the merchant terminal 300, After determining the van server 400 to perform the approval procedure, the van server 400 generates a van special based on the specialty of the merchant and transmits the generated van special to the determined van server 400.

In addition, the terminal 400 performs a function of transferring an approval message transmitted by the van server 400, which has received approval approval from the credit card company payment system 500, to the affiliate shop terminal 200 or the affiliate shop terminal 300.

The relay system 100 may generate a vanish text in a preset format for the vanserver 400 determined to perform the credit card payment approval procedure when creating the vanish text.

The relay system 100 decrypts the encrypted professional information from the merchant shop received from the merchant host 200 or the merchant terminal 300 to generate a plain text form merchant specialty, (400).

The decryption in the relay system 100 is performed using the encryption key of the main van server 400 as described above. When decryption is performed in the relay system 100, decryption in the van server 400 is not necessary.

Fig. 2 is a diagram showing the configuration of the relay system 100 in a case where the relay system 100 does not decrypt the merchant special.

Referring to FIG. 2, the relay system 100 includes a merchant point interlocking unit 110, a distribution determining unit 120, and a van interlocking unit 130.

The merchant linkage unit 110 is connected to the merchant host 200 or the merchant terminal 300 and transmits and receives data necessary for performing a credit card settlement service. And transmits it to the van interlocking unit 130.

The credit card payment system 500 also receives the approval text transmitted from the van server 400 through the van linkage unit 130 and transfers the approval text to the merchant host 200 or the merchant terminal 300.

Since the relay system 100 of FIG. 2 does not decrypt the merchant specialization, decryption is performed in the van server 400 receiving the van special information through the van interlocking unit 130. FIG. At this time, the decryption in the van server 400 can be performed by the encryption key of the main van server that is shared in advance, as described above.

The distribution determination unit 120 determines which one of the plurality of van servers 400 to perform the credit card payment approval procedure when the merchant store specialist is received from the merchant host 200 or the merchant terminal 300 .

As described above, since there are a plurality of the van servers 400, the distribution decision unit 120 determines which one of the plurality of the van servers 400 to perform the credit card payment approval procedure.

Herein, the credit card payment approval process refers to a credit card payment approval process that converts the vault text into a predetermined card company text for the corresponding card company payment system 500 based on the received vault text, And transmits the message to the transit system 100. The transaction is a general procedure performed by the conventional van server 400 .

The following method can be used to determine the van server.

First, the card payment transaction service execution ratio (processing rate) is set in advance among the van servers.

For example, assuming that three van servers are set in FIG. 1, the processing ratios of the first van server, the second van server, and the third van server are set to 6: 3: 1 and the merchant host 200 or the merchant terminal 300), a van server to perform a card payment transaction service may be determined according to the processing rate.

In this case, it is possible to use a method of adjusting the processing rate of other van servers on the basis of the bank server to perform the card payment transaction service from the highest processing rate.

3 is a diagram showing an example of a processing rate table used in the distribution determination unit 120. [

Referring to FIG. 3, the processing rate table shows that the processing ratio set for each of the first, second, and third van servers is 6: 3: 1, i.e., 60%, 30%, and 10% have. In addition, the number of treatments was 60, 30, and 9, respectively, and the treatment rates were 60.6%, 30.3%, and 9.1%, respectively.

Here, the number of transactions is counted from the merchant host 200 or the merchant terminal 300 through the relay system 100 via the van server 400 and the credit card company's payment system 500, Cumulative aggregate. In other words, non-canonical transactions (canceled transactions, disapproved transactions) are excluded.

In this state, when the specialty shop of the merchant is transmitted from the merchant host 200 or the merchant terminal 300 to the relay system 100, the distribution determination unit 120 of the relay system 100 refers to the processing rate table, Determine the van server to perform the transaction service. According to the setting ratio in FIG. 3, since the van server to perform the card settlement transaction service is the third van server, the distribution decision unit 120 determines the third van server as a van server to perform the card settlement transaction service, To the van interlocking unit (130).

This processing rate table is updated in real time every time the card settlement transaction service is normally performed.

On the other hand, another method is to exclude a failed van server among the van servers. This method can be used in parallel with the first method described above, that is, the van server determination method according to the processing ratio.

For example, when the first van server is determined as a van server to perform the card settlement transaction service based on the processing ratio, the relay system 100 transmits the van special to the first van server through the van interlocking unit 130. At this time, if the response signal (ACK) is not received from the first van server within a predetermined period of time, the relay system 100 regards the first van server as having a failure, .

Meanwhile, the van interlocking unit 130 is a means for transmitting and receiving data necessary for performing a credit card settlement approval process by being coupled with the van server 400 through a network, and generates a van text based on the merchant special, And transmits the vane special to the van server 400 determined by the distribution determination unit 120, thereby performing a credit card payment approval procedure.

4 is a diagram showing the internal configuration of the van-linked portion 130. As shown in Fig.

Referring to FIG. 4, the van interlocking unit 130 includes a vane special conversion unit 131 and a van server communication unit 132.

The vane professional conversion unit 131 performs a function of generating a vanish text based on the merchant specialty.

In this case, the vane special conversion unit 131 may generate a van special in a predetermined format corresponding to the van server 400 determined by the distribution determination unit 120. [ That is, the vane professional conversion unit 131 can generate the vanish text according to the format set for the vaun server 400 determined by the distribution determination unit 120.

Alternatively, the vane special conversion unit 131 can generate the vender specialist as it is, regardless of the format set for the van server 400. In this case, the van specialist and the merchant specialty are the same. In this case, after the van server 400 receives the vanish text, it can convert the received vanish text corresponding to its format.

The van server communication unit 132 is connected to the van server 400 and transmits and receives data to and from the van server 400 determined by the distribution decision unit 120, . It also performs the function of receiving an approval telegram from the van server 400.

5 is a diagram showing a configuration according to another embodiment of the relay system 100, in which the relay system 100 decodes the configuration.

Referring to FIG. 5, the relay system 100 includes an affiliate shop interlocking unit 110, a merchant store decryption unit 140, a distribution determining unit 120, and a van interlocking unit 130.

The embodiment of FIG. 5 is the same as the embodiment of FIG. 2 except that the embodiment of FIG. 5 further includes the merchant store decryption unit 140. Thus, the merchant linking unit 110, the distribution determining unit 120, ) Will not be described in detail.

The merchant-specific decryption unit 140 of FIG. 5 decrypts the encrypted specialized information among the specialized information of the merchant specialist information received from the merchant host 200 or the merchant terminal 300 to generate a plain text form merchant special .

Here, the decryption is performed by an encryption key held by any one of the plurality of van servers, that is, the main van server, as described above. As described above, this encryption key is shared in advance for all of the relay system 100 and the van server 400.

As described above, at least a part of the merchant shop is encrypted by the encryption key of any one of the van servers 400, that is, the main van server in the merchant terminal 300, The merchant specialty decryption unit 140 decrypts the encrypted professional information in the specialty of the merchant received from the merchant host 200 or the merchant terminal 300 to generate a plain text form merchant special, And transmits the created plain text form merchant special to the van interlocking unit 130.

The van interlocking unit 130 generates a van text based on the plain text form merchant special in the manner described with reference to Figs. 2 to 4, and transmits the generated vocabulary to the van determined in the distribution determining unit 120 To the server (400).

In this manner, when the relay system 100 includes the merchant store decryption unit 140, the decryption processing in the van server 400 described in FIGS. 2 to 4 is not necessary.

6 is a diagram showing the configuration of the van server 400. As shown in FIG.

Referring to FIG. 6, the van server 400 includes a system interlock 410, a vanish decoder 420, a card sorter specializing unit 430, and a credit card interlocking unit 440.

The system interlocking unit 410 is a means for transmitting and receiving data necessary for performing the card settlement transaction service according to the present invention in cooperation with the transit system 100. The system interlock unit 410 is a means for transmitting data from the van interlocking unit 130 of the transit system 100 As shown in FIG.

The system interworking unit 410 does not need to perform special processing when the received vane text is converted into a predetermined format corresponding to the van server 400 in the relay system 100 as described above.

However, if the relay system 100 is not converted into the format corresponding to the van server 400, that is, if the merchant special and the van special are the same, the system interworking unit 410 transmits the received van special to itself You can convert to the correct format.

The vanish decryption unit 420 decrypts encrypted information among the vanish texts received by the system interlocking unit 410 to generate a plain text vault text.

The vanish decryption unit 420 is included only when decryption is not performed in the relay system 100 as described above with reference to FIG. 2 to FIG. Therefore, if the merchant store decryption unit 140 is included in the relay system 100 as in the embodiment of FIG. 5, the vanish decryption unit 420 is omitted.

As described above, the vanish decryption unit 420 performs decryption using any one of a plurality of pre-shared vanservers 400, that is, an encryption key held by the main vanserver.

The videophone special conversion unit 430 is responsible for generating a videophone message based on the vocabulary generated in the form of plain text in the vocabulary decryption unit 420.

In the case where the vandal-proof decoding unit 420 is omitted, the card-specific-word conversion conversion unit 430 generates a card-word-specific word based on the vanish text received by the system-

The card company interlocking unit 440 performs a function of transferring the card grooming result generated by the card sorter specialized conversion unit 430 to the corresponding card company payment system 500.

The configuration of the van server 400 shown in FIG. 6 shows only a main part related to the present invention. In addition to this configuration, a configuration required for performing a function as a van server 400, which is conventionally known, It should be noted that the detailed description is omitted.

7 is a flowchart illustrating a method of providing a card settlement service performed in the relay system 100 according to an embodiment of the present invention.

The embodiment of FIG. 7 shows a method by the relay system 100 of FIG. 2, which shows a case where decoding is not performed in the relay system 100 but is decoded in the van server 400. FIG.

Referring to FIG. 7, the merchant terminal 300 reads a credit card to generate a merchant special. At this time, encryption is performed on at least a part of the special information constituting the merchant special, as described above, to generate a merchant special (S100, S110).

At this time, the encryption is performed using any one of the vanserver 400, that is, the encryption key held by the main vanserver as described above.

When the merchant specialist is created, the merchant terminal 300 delivers the merchant specialist to the merchant host 200 (S120).

When the merchant store host 200 receives the merchant store specialization, the approval preprocessing process is performed. If there is no abnormality in the approval preprocessing process, the merchant store host 200 transmits the merchant store specialization message to the relay system 100 (S130).

As described above, the approval preprocessing process refers to a procedure of verifying the validity of the merchant information in the merchant host 200, verifying the BIN number of the credit card number, and verifying the validity of the payment amount.

The approval preprocessing process is not essential and may be omitted and may be performed in the relay system 100 or the van server 400.

When the merchant linkage unit 110 of the relay system 100 receives the merchant specialization from the merchant host 200, the distribution determination unit 120 of the relay system 100 receives credit card payment approval And determines one van server to perform the procedure (S140).

In this case, as described above with reference to Figs. 2 and 3, a method of determining the vanserver to perform the card settlement transaction service by the distribution decision unit 120 includes a processing rate table in which the processing ratio between the vans servers is set, Based on whether or not a failure has occurred in the server.

When the distribution decision unit 120 decides a van server to execute the card settlement transaction service among the plurality of the van servers 400, the distribution decision unit 120 transmits the determined identification information of the van server to the van interlocking unit 130 , And the vane special conversion unit 131 of the van interlocking unit 130 generates a van special based on the merchant specialization (S150).

At this time, the creation of the vane special can be accomplished by converting the specialty of the merchant in a predetermined format corresponding to the determined van server 400, as described above.

When the van specialization is generated, the van interlocking unit 130 of the relay system 100 transmits the van specialist to the van server 400 determined by the distribution decision unit 120 (S160).

The system interworking unit 410 of the van server 400 that receives the vanish message from the relay system 100 transmits the received vanish message to the vanish message decryption unit 420. The vanish message decryption unit 420 receives A decoding process is performed for one vane text (S170).

Since the relay system 100 does not decode the specialty of the merchant, the vending machine transmitted from the relay system 100 is not decoded. Therefore, the vane-specific decryption unit 420 of the vane server 400 decrypts the encrypted professional information among the received vanish vocabularies, thereby generating a plain vocabulary vanish vocabulary.

Here, as described above, the decryption is performed using an encryption key that is previously shared as one of the vanserver 400, that is, the encryption key held by the main vanserver 400. [

When the decryption is completed and the plain text form vanish text is generated, the vanish text decryption unit 420 transmits the plain text form vanish text to the text caption text conversion unit 430, The vault specialist is converted into the card grooming specialist corresponding to the card company to which the vending specialist is to be transferred, thereby generating the card grooming specialist (S180).

When the card grooming specialist is generated, the card grooming professional conversion unit 430 transmits the generated card grooming specialist to the card company linkage unit 440, and the card company linkage unit 440 transmits the card grooming specialization to the card company payment system 500 (S190).

When the credit card company payment system 500 receives the credit card gist, the credit card payment system 500 performs approval processing (S200).

Here, the approval process means to determine whether to approve the credit card settlement based on the received card grooming text.

As a result of the approval process, if the approval is successful, the card company payment system 500 transmits the approval message to the card company interface 440 of the van server 400 (S210).

The credit card interworking unit 440 of the transit system 100 transmits the received approval text to the transit system 100 (S220).

The relay system 100 transmits the received approval text to the merchant terminal 300. Upon receiving the approval text, the merchant terminal 300 performs a response process such as outputting the sales document on the basis of the approval text (S240) The credit card payment approval process ends.

8 is a flowchart illustrating another embodiment of a card settlement service providing method performed in the relay system 100 according to the present invention.

The embodiment of FIG. 8 shows a method by the relay system 100 of FIG. 5, in which decoding is performed in the relay system 100 and decoding is not performed in the van server 400. FIG.

8, except that the step S300 is performed in the relay system 100 and the step of performing decoding in the van server 400 is omitted, The description is omitted.

However, the decryption (S300) in the relay system 100 is performed on the encrypted professional information in the merchant specialty, and as a result of the decryption, the plain merchandise merchant specialty is generated.

In addition, in step S150, when creating the vanish text, the vanish text is generated based on the plain text form merchant text.

In addition, when the van server 400 receives the vanish text, the received vanish text is already in the plain text form, so that the videophone professional is generated based on the received vocabulary without performing the decryption (S180).

Since the remaining process is the same as that of FIG. 7, detailed description is omitted.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent embodiments.

For example, the configuration of the franchisee host 200 may be omitted. In this case, the franchisee terminal 300 is directly connected to the relay system 100, and the franchisee terminal 300 transmits the specialty of the franchisee to the relay system 100 and directly receives the approval special from the relay system 100.

In addition, although the above embodiment has been described focusing on credit card settlement, the present invention can be applied to other credit transactions such as check cards and debit cards within the scope of the present invention.

100 ... Relay system
200 ... Merchant Host
300 ... merchant terminal
400 ... van server
500 ... card company billing system

Claims (17)

A credit card payment relay system using a plurality of van servers,
An affiliate shop interlocking unit for receiving an affiliate shop specialist from an affiliate shop host or an affiliate shop terminal and transmitting the specialist shop specialist to the van interlocking unit;
A distribution determination unit that determines which one of the plurality of van servers to perform the credit card payment approval procedure according to the processing rate set in advance for the card payment transaction service execution ratio set in advance; And
And a van linkage unit for transmitting the van special created based on the merchant specialty to the van server determined by the distribution decision unit
Lt; / RTI >
The merchant specialty is encrypted and generated in the merchant terminal by an encryption key held by the main van server, which is one of the plurality of van servers, for at least a part of the expert information constituting the merchant specialty,
Wherein the van server receiving the vans special from the van interlocking unit generates a card company message corresponding to the card company payment system for performing the card settlement service and transmits the generated card company message to the card company payment system. Credit card payment relay system using.
delete The method according to claim 1,
The distribution determination unit determines,
Wherein a van server to execute a card settlement transaction service is determined excluding a van server having a failure among a plurality of van servers.
The method according to claim 1,
Wherein the van-
A van professional conversion unit for generating a van special based on the merchant specialty; And
A van server communication unit for transmitting the van special generated by the van conversion unit to the van server determined by the distribution decision unit;
And a credit card payment relay system using a plurality of van servers.
5. The method of claim 4,
The vane professional conversion unit,
Wherein the merchant specialist is converted into a predetermined format corresponding to the van server determined by the distribution determining unit to generate the van specialist.
delete The method according to claim 1,
The van server comprises:
A system interlocking unit for receiving a vane text from the vane interlocking unit;
A vanish decryption unit for decrypting encrypted information among the vanish texts received by the system interleaver to generate a plain text vault text;
A videophone specialized conversion unit for generating a videophone message based on the vanish text of the plain text type generated by the vanish text decryption unit; And
A credit card company interlocking part for transmitting the card grooming result generated by the card grooming professional conversion part to the credit card company settlement system,
And a credit card payment relay system using a plurality of van servers.
8. The method of claim 7,
Wherein the vanish language decryption unit decrypts the vans using an encryption key of any one of the plurality of vans servers.
The method according to claim 1,
Further comprising a merchant store decryption unit for decrypting the encrypted special information among the special information of the merchant store specialist received from the merchant host or the merchant terminal to generate a plain text form merchant store special character. Relay system.
10. The method of claim 9,
Wherein the merchant specialized decryption unit decrypts the encrypted content using an encryption key of any one of the plurality of van servers.
11. The method of claim 10,
The van server comprises:
A system interlocking unit for receiving a vane text from the vane interlocking unit;
A card wartime professional converting unit for generating a card wartime special based on the vanish text received by the system interlocking unit; And
A credit card company interlocking part for transmitting the card grooming result generated by the card grooming professional conversion part to the credit card company settlement system,
And a credit card payment relay system using a plurality of van servers.
A credit card payment relay method performed in a credit card payment relay system using a plurality of van servers according to any one of claims 1, 3, 4, 5, and 11,
A first step of receiving a merchant special from a merchant host or an affiliate shop terminal;
A second step of determining which one of the plurality of van servers to perform the credit card payment approval procedure; And
A third step of transmitting the vane text generated based on the specialty of the merchant to the van server determined in the second step
Lt; / RTI >
The merchant specialist in the first step is generated by encrypting at least a part of the expert information constituting the merchant specialty of the merchant terminal using an encryption key held by the main van server which is one of the plurality of van servers,
The second step determines a van server to perform a card settlement transaction service according to a processing ratio in which a predetermined card settlement transaction service execution ratio is set between a plurality of van servers,
Wherein the van server receiving the van specialist generates a card company message corresponding to the card company payment system for performing the credit card settlement service and transmits the generated card company message to the card company payment system. How to Resume Card Payment.
delete delete 13. The method of claim 12,
Wherein the vanserver is configured to decrypt the encrypted professional information included in the received vanish text to generate a plain text vault text, and to perform a credit card settlement service based on the generated plain text vault text, And the credit card payment is transmitted to the credit card company.
A credit card payment relay method performed in a credit card payment relay system using a plurality of van servers according to any one of claims 1, 3, 4, 5, and 11,
A first step of receiving a merchant special from a merchant host or an affiliate shop terminal;
A second step of decrypting the encrypted professional information among the professional information of the received merchant specialist to generate a plain text form merchant special;
A third step of determining which one of the plurality of van servers to perform the credit card payment approval procedure; And
A fourth step of transmitting the vane text generated based on the plain text form merchant special to the van server determined in the third step
Lt; / RTI >
The merchant specialist in the first step is generated by encrypting at least a part of the expert information constituting the merchant specialty of the merchant terminal using an encryption key held by the main van server which is one of the plurality of van servers,
The third step is to determine a van server to perform a card settlement transaction service according to a processing ratio in which a predetermined card settlement transaction service execution ratio is set between a plurality of van servers,
Wherein the van server receiving the van specialist generates a card company message corresponding to the card company payment system for performing the credit card settlement service and transmits the generated card company message to the card company payment system. How to Resume Card Payment.
17. The method of claim 16,
The second step comprises:
Wherein the decryption is performed using an encryption key of any one of the plurality of van servers.
KR1020160147571A 2016-11-07 2016-11-07 System and method for engaging credit card payment services using a plularity of van servers KR101853343B1 (en)

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090109979A (en) * 2008-04-17 2009-10-21 한국정보통신주식회사 Method for Processing Payment Statement of Wholesale Affilate Store, Wholesale Affilate Store Payment Terminal and Recording Medium
KR20150069604A (en) * 2013-12-13 2015-06-24 주식회사 케이지이니시스 System and Method for Dividing Payment Request

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090109979A (en) * 2008-04-17 2009-10-21 한국정보통신주식회사 Method for Processing Payment Statement of Wholesale Affilate Store, Wholesale Affilate Store Payment Terminal and Recording Medium
KR20150069604A (en) * 2013-12-13 2015-06-24 주식회사 케이지이니시스 System and Method for Dividing Payment Request

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