KR101932652B1 - A method for processing payment information using payment history information and an appratus using it - Google Patents

Abstract

According to an embodiment of the present invention, a method for processing payment information of a server which can quickly approve payment and can save or use points. The method for processing payment information of a server comprises the steps of: receiving payment approval request information corresponding to a product or a service from a payment terminal of an affiliated store; obtaining payment history information of a point means corresponding to payment information by using the payment information and affiliated store information obtained from the payment approval request information; and processing the point means corresponding to the payment approval request information by using the payment history information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a settlement processing method using payment history information,

To a payment information processing method and apparatus of the present invention. More particularly, the present invention relates to a payment processing method and apparatus using payment history information.

Due to the inconvenience of cash holdings and credit card deduction benefits, customers are increasingly paying by card rather than cash. In addition, competition among card companies is intensifying as the number of card users increases and the card market expands. Accordingly, card companies are launching a variety of card products that offer a variety of benefits to entice their customers to join the card, and users often have multiple cards issued to provide different benefits.

In addition, franchisees often charge a certain portion of their payment amount (mileage) in terms of marketing strategies to secure regular customers. Therefore, the customer also has a point (mileage) accumulation card at each member store in addition to various kinds of credit cards for settlement.

Accordingly, the payment terminal provides the point accumulation process using the point card, the use process, and the payment process using the credit card in parallel. However, there is a problem in that the processes are separated from each other and at least two means recognition and processing at the merchant terminal at the time of settlement must be performed according to the order determined for each process.

In particular, the payment terminal user of the merchant has an inconvenience to check the payer every time he intends to discount or accumulate the point card for the payment card for each payment product or service.

For example, the earning / discount condition or points to be earned may be determined differently each time, depending on the payment means and whether the point means and the payment product are affiliated.

Therefore, in order to perform such processing, the user of the payment terminal who is the seller must ask the payer each time, and the payer should instruct the determination and determination as to whether or not to receive payment or discount at each point card every time, It is necessary to recognize and process the respective cards sequentially in accordance with the manufacturer, and sellers have inconveniences to be aware of these processes.

Especially, when there are several cards that can accumulate points or discounts, these inconveniences become even more severe.

KR 10-2014-0010619 A1 KR 10-2012-0075192 A1

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above problems, and it is an object of the present invention to provide an information processing apparatus and a payment method which determine an appropriate process corresponding to a payer's intention according to a payer's settlement history information, And a payment information processing method and apparatus for enabling quick payment approval and point accumulation or use without requiring a seller to enter a payment terminal in response to a query of a payer for selection of whether or not to use the payment information, have.

According to another aspect of the present invention, there is provided a payment information processing method of a server, comprising: receiving payment approval request information corresponding to a goods or service from a payment terminal of an affiliate store; Obtaining payment history information of the point means corresponding to the payment information using the payment information and the merchant information obtained from the payment approval request information; And determining the processing of the point unit corresponding to the payment approval request information using the payment history information.

According to an aspect of the present invention, there is provided an apparatus for processing payment information, the apparatus comprising: a communication unit for receiving payment approval request information corresponding to a product or service from a payment terminal of an affiliate shop; A history information management unit for obtaining payment history information of the point means corresponding to the payment information using the payment information and the merchant information obtained from the payment approval request information; And a payment approval processing unit for determining the processing of the point unit corresponding to the payment approval request information by using the payment history information.

According to another aspect of the present invention, there is provided a method of operating a merchant payment terminal, the method comprising: transmitting a payment approval request of a payment means according to input of payment information to a server; Receiving payment history information corresponding to the payment approval request telegram from the server; Acquiring usage information of the point means matching the payment means using the payment history information; And performing accumulation or discount processing of the point means corresponding to the payment information in accordance with the obtained usage information.

According to the embodiment of the present invention, the settlement history information of the point means corresponding to the settlement information is obtained, and the processing of the point means corresponding to the settlement approval request information is determined using the settlement history information, The payment processing of the point means that matches the intention of the payer can be provided without judgment or inquiry about the accumulation or discount of the payer.

Accordingly, if the settlement history information is pre-registered, the server receiving the settlement approval request of the settlement terminal can determine an appropriate process for accumulating points in accordance with the intention of the payer, It is possible to deal with the approval, and without a complicated procedure such that the seller queries the payer's intention about the choice of whether to accumulate or use with the point means at the time of payment, or requests the seller to input the payment terminal corresponding thereto, And a payment information processing method and apparatus for enabling point accumulation or use.

1 is a conceptual diagram schematically showing an overall system according to an embodiment of the present invention.
2 is a block diagram illustrating a server device according to an embodiment of the present invention.
3 is a ladder diagram illustrating system operation according to an embodiment of the present invention.
4 is a flowchart illustrating an operation of a server apparatus according to an embodiment of the present invention.
5 is a ladder diagram for explaining system operation according to another embodiment of the present invention.
6 to 10 are diagrams for explaining a user interface provided through a mobile terminal by a server operation according to an embodiment of the present invention.

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

It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the book.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

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

The term "relay server" may refer to, for example, a billing agency server of a VAN company that relays credit card electronic payment. However, various types of servers related to credit card electronic payment may also be applicable. Depending on the specific function, the actual payment relay function and other additional functions may be separated into separate server types.

The term "settlement terminal" refers to a POS terminal or a CAT terminal for providing a settlement service of card information read from a customer's card using a general IC card reader or a magnetic strip reader, other than the operation according to the embodiment of the present invention. A typical payment terminal having a POS unique function for managing a point-of-sale and an electronic payment function through a customer card having at least one payment means can be exemplified.

1 illustrates an overall system according to an embodiment of the present invention.

The settlement system according to the embodiment of the present invention includes a portable terminal 100, a payment terminal 200, a relay server 300, a card issuer server 400 and a point server 500.

The portable terminal 100 performs wireless communication through a general mobile communication network and transmits and receives at least one of various messages such as a Short Message Service (SMS), a Multimedia Messaging Service (MMS) A cellular phone, a smart phone, or the like can be exemplified.

Also, the portable terminal 100 may be a personal digital assistant (PDA) that can connect to a mobile communication network and transmit and receive data to and from an Internet Protocol (IP) network such as the Internet.

The portable terminal 100 may be connected to the relay server 300 and registered in the payment history service provided by the relay server 300. [ Here, the relay server 300 can receive and manage the customer information including the terminal identification information of the portable terminal 100, corresponding payment means information, point means information, and setting information for generating payment history information .

To register the service, the relay server 300 can confirm the customer information about the portable terminal 100 to the card company server 400 and process the authentication of the payment history service. Here, the customer information may include at least one of, for example, credit and point card information, valid period information, date of birth information, password information, card name authentication information, and terminal authentication information.

Meanwhile, the settlement terminal 200 may be a settlement terminal 200 of an affiliated store that is provided with additional identification information and is managed by the relay server 300.

In the embodiment of the present invention, the relay server 300 can register and store the merchant information (or seller information) using the payment terminal 200 from the merchant in advance.

On the other hand, the payment terminal 200 may further include a card reader for providing a payment service for card information read from a magnetic card of an ordinary customer or an IC card. The payment terminal 200 may be a conventional payment terminal equipped with an electronic payment function.

For example, the settlement terminal 200 has a settlement program and transmits a transaction approval request message to the relay server 300 using the settlement program to perform a credit settlement process by making an approval request.

In addition, the relay server 300 receives the payment approval request message received from the payment terminal 200, and performs settlement proxy processing for performing settlement processing.

The relay server 300 can transmit the transaction approval request message to the credit card company server 400 and the credit card company server 400 transmits the response including the approval / rejection to the relay server 300, 300 may transmit the response to the payment terminal 200 again.

As described above, the relay server 300 may be a server of a Value Added Network (VAN) company providing a payment agent service in an electronic payment system using a credit card. However, the present invention is not limited to this, but may be a server for relaying only the purchase of the paper other than the server for the payment by the relay server 300, or a simple relay server connected to the server of the general card company have.

On the other hand, the card company server 400 may be a server of a credit card company issuing a credit card, and may transmit an approval result according to the card approval specialization, and perform card name authentication.

In addition, the point server 500 provides point accumulation or discount processing of the point means corresponding to the payment information in response to a request from the payment terminal 200 or the relay server 300, and performs transfer of the corresponding processing result .

In such a system, the relay server 300 according to the embodiment of the present invention provides a payment agency service using payment approval request information of a goods or service received from the payment terminal 200, and in particular, Acquiring settlement history information of the point means corresponding to the settlement information using the settlement information and the merchant information obtained from the information, and using the settlement history information, processing of the point means corresponding to the settlement approval request information And can provide a settlement history service according to the determined process.

More specifically, the relay server 300 uses at least one of the accumulation process for the point means corresponding to the payment information, or the discount process for the payment information according to the use of the point means, using the payment history information Can be determined.

In addition, the relay server 300 transmits the identification information of the point means and the point means utilization information obtained from the first partial data of the payment history information to the payment terminal 200, In response to the transfer of the means utilization information, the payment terminal 200 determines whether to request the accumulation of the point means corresponding to the payment approval request telegram or whether the use of the point means is requested, and causes the corresponding accumulation or discount processing to be performed .

To this end, the relay server 300 may cumulatively collect one or more point means information matching the merchant information and the payment means information of the payment terminal and the utilization information of the point means, It is possible to generate payment history information.

Accordingly, the relay server 300 can provide the point accumulation or discount processing according to the settlement history information on the point means without using the separate point use or accumulation request of the settlement terminal 200, The settlement terminal 200 can perform the discount or the accumulation processing of the point means by providing the settlement log information to the settlement terminal 200. Accordingly, Or a discount classification input is not required. Accordingly, it is possible to omit the process of inquiring whether the seller has the point means for the payer or the discount or accumulation of the payer, resulting in quick payment and accumulation or use of points, and greatly improving user convenience .

2 is a block diagram illustrating a relay server according to an embodiment of the present invention.

2, a relay server 300 according to an exemplary embodiment of the present invention includes a control unit 310, a communication unit 320, a customer information management unit 330, a point unit management unit 340, a history information management unit 350, A payment approval processing unit 360, and a storage unit 380. [

The control unit 310 controls one or more processors for controlling the overall operation of each component of the relay server 300 and for relaying service subscription and payment approval processing according to the embodiment of the present invention .

The communication unit 320 may include one or more communication modules for receiving a transaction approval request message and processing an approval response.

The communication unit 320 may be connected in a wireless or wired manner via a local area network (LAN) and an Internet network, a form connected through a USB (Universal Serial Bus) port, a mobile communication network such as 3G or 4G Or a short-range wireless communication method such as NFC (Near Field Communication), Radio Frequency Identification (RFID), or Wi-Fi.

In addition, the customer information management unit 330 can store and manage the terminal identification information for service registration according to the embodiment of the present invention and the corresponding customer information from the user of the portable terminal 100.

For this, the control unit 310 may provide the card application or the like to the portable terminal 100 according to the embodiment of the present invention. The customer information management unit 330 can receive terminal identification information and customer information for service registration from the mobile terminal 100 through the card application interface. Accordingly, the customer information management unit 330 can manage the terminal identification information and the customer information by matching them.

Also, the terminal identification information may include at least one of a telephone number, a serial number, an international IDSN number, a temporary mobile subscriber identification number (TMSI), an international mobile station identification number (IMSI) .

The customer information may include at least one of, for example, card information as payment means, valid period information, birth date information, password information, card name authentication information, or terminal authentication information.

In accordance with the reference setting information for generating the settlement history received from the portable terminal 100 registered in the customer information management unit 330, the point unit management unit 340 acquires, from the customer information, one or more Point means information may be matched and stored in the database of the storage unit 380 together with the setting information.

Here, the reference setting information may include one or more condition information for generating payment history information. For example, the reference condition information for generating the settlement history information may include at least one of reference settlement amount information, reference settlement number information, and reference settlement period information. This will be described later in more detail.

The history information management unit 350 cumulatively collects the payment information acquired through the payment approval processing unit 360 and the usage information (such as earned-use or discounted usage) of the corresponding point means and accumulates the collected payment information, The payment history information corresponding to the payment information can be generated and stored.

Here, the reference setting information may be received from the portable terminal 100 of the user subscribed to the service through the customer information management unit 330. For example, the history information management unit 350 receives and sets the reference condition information from the portable terminal 100, and when it matches the reference condition information, transmits the registration enabling message of the payment history information to the portable terminal And may register the payment history information according to a registration request received from the portable terminal.

Accordingly, the history information management unit 350 cumulatively collects one or more point means information that matches the merchant information and the payment means information of the payment terminal, cumulatively collects the usage information of the point means, History information can be generated.

Here, the payment history information may include at least one of goods or service identification information, merchant identification information, payment means information, point means information, and usage information of the point means.

In addition, the point means information may include various information capable of specifying the point means, and may include, for example, a serial number, a bar code, a QR code, or telephone number information of the portable terminal 100. The utilization information of the point means may include at least one of the utilization information for use or the utilization (or discount) utilization information.

In the embodiment of the present invention, the use-for-use information and the use-use information may be processed in parallel with each other, and accordingly, at least one process for performing accumulation, use, or both accumulation and use may be provided. For example, the settlement amount may be discounted by the point use process using the point means for the settlement amount, and the point accumulation process corresponding to the discounted remaining amount may be processed.

The history information management unit 350 can provide the payment history information to the payment approval processing unit 360. [ Accordingly, the payment approval processing unit 360 can perform the accumulation or use processing of the point means directly or by providing all or a part of the payment history information at the request of the payment terminal 200, And can support the accumulation or use processing of the point means.

For example, in response to the payment approval request information of the payment terminal 200, the payment approval processing unit 360 extracts the identification information and the point means utilization information of the point means obtained from the first partial data of the payment history information To the payment terminal through the communication unit. Accordingly, the settlement terminal 200 can automatically process the accumulation or discount processing of the point means corresponding to the payment approval request information separately without having to confirm or input the payment to the payer.

Therefore, according to the transfer of the identification information and the point means utilization information of the point means, it is possible to determine whether to request the accumulation of the point means corresponding to the payment approval request telegram of the payment terminal 200 or the use of the point means .

The storage unit 380 may store various information for the relay server 300 to perform settlement processing based on the settlement history information using the settlement means and the point means, and may be a hard disk, a floppy disk Optical media such as magnetic media such as magnetic tape, compact disk read only memory (CD-ROM), and digital video disk (DVD), magnetic optical media such as a floppy disk A magneto-optical media and a ROM, a random access memory (RAM), and a flash memory.

3 is a ladder diagram illustrating system operation according to an embodiment of the present invention.

3, the system operation according to an exemplary embodiment of the present invention includes data processing between the portable terminal 100, the payment terminal 200, the relay server 300 and the card issuing server 400, the point server 500, Operation.

First, the portable terminal 100 performs installation and authentication of a payment application providing a payment history service of the point means corresponding to the payment means (S1001).

The portable terminal 100 can receive a payment application from the relay server 300 or the card issuer server 400. [

The portable terminal 100 registers the terminal identification information and the corresponding customer information, payment means information, point means information, and reference setting information in advance in accordance with user registration and personal authentication of the relay server 300 (S1003) .

In accordance with the registration, the point management unit 340 may store the payment means information, the point means information, and the reference setting information in the database of the storage unit 380.

Meanwhile, the settlement terminal 200 transmits the merchant information to the relay server 300 and registers it (S1005).

Thereafter, if the user registered in the service wishes to perform settlement of goods or services, the settlement terminal 200 first executes a settlement program for inputting payment information and requesting an approval request (S1007).

Then, payment information is input to the payment terminal 200 (S1009), and a payment approval request message is generated according to the input payment information (S1011).

When the approval request message is received (S1013), the relay server 300 acquires payment history information corresponding to the payment information and the merchant information of the received approval request telegram (S1015).

Here, the payment history information may be generated in advance through the history information management unit 350 and stored in the storage unit 380. Accordingly, the payment approval request special may not include a separate point accumulation or discount request. Accordingly, the seller using the payment terminal 200 may inquire about the accumulation or discount of a separate point card, It is possible to solve all the inconveniences to know. In addition, the payer can also eliminate the troublesomeness that the payer must make every time to accumulate and discount the points card.

Then, the relay server 300 acquires the point means information corresponding to the acquired settlement history information (S1017).

Here, the point means information corresponding to the settlement history information may be acquired from the point means management section 340. [ However, when point means is managed in the payment terminal 200 according to the embodiment, the relay server 300 receives the point means information from the payment terminal 200 or transmits the payment history information to the payment terminal 200 So that the settlement terminal 200 can directly process the accumulation or discount process of the point means. However, in the embodiment of FIG. 3, it is exemplified that the relay server 300 can provide the accumulation or discounting process without the processing of the payment terminal 200. FIG.

Accordingly, the relay server 300 requests the point server 500 to determine whether the acquired point means is available (S1018), and receives the availability information in the response (S1019).

Thereafter, the relay server 300 determines a settlement process according to availability of the point means and the settlement history (S1021).

Here, the settlement process may include at least one of an accumulation process or a discount process, so that it is also possible that both the discount and accumulation process are determined and processed sequentially.

Accordingly, when the determined payment process is the accumulation process (S1023), the payment approval processing unit 360 preferentially processes the payment authorization request for the payment amount to the credit card company server 400 (S1025).

Then, when the payment approval result is received (S1027), the relay server 300 transmits the accumulation request of the point means including the payment approval result to the point server 500 as a subsequent step, and receives the accumulated accumulation result (S1031).

On the other hand, if the determined payment process is the discount process (S1023), the payment approval processing unit 360 preferentially transfers the use request message of the point means to the point server 500 (S1035) (S1037).

The payment approval processing unit 360 of the relay server 300 transmits a payment approval request for the discounted amount deducted according to the usage result to the card company server 400 and receives the approval result (S1041).

Accordingly, the relay server 300 transmits, through the payment approval processing unit 360, the processing result of the payment information including at least one of the point accumulation, the discount according to use, or the approval of the payment means, (S1043). Accordingly, the accumulation / discount and payment approval processing of automatic point means are processed in a predefined order without any separate processing or input in the payment terminal 200, thereby shortening the settlement procedure and improving the convenience of the user .

4 is a flowchart illustrating an operation of a server apparatus according to an embodiment of the present invention.

Referring to FIG. 4, the payment approval processing unit 360 performs approval processing of the payment means information received from the payment terminal 200 (S201).

Then, the history information management unit 350 collects and manages the usage information of the point means corresponding to the approved payment information and the merchant information (S203).

Here, the history information management unit 350 may request and receive the usage information of the point means corresponding to the payment information to the payment terminal 200 or the point server 500, and may store the usage information of the point means for each payment information The corresponding settlement amount information, the use frequency information, and the usage period information can be calculated, stored, and managed.

Accordingly, the history information management unit 350 can determine whether the settlement history can be registered (S205).

The history information management unit 350 can determine whether or not the settlement history can be registered according to the preset reference condition information, and it can be determined according to the comparison with the accumulated settlement amount information, the use frequency information, and the usage period information.

Then, the history information management unit 350 can transmit the registration notification message of the settlement history information to the portable terminal 100 of the user subscribed to the service (S207).

Then, the history information management unit 350 registers the payment history information of the point means corresponding to the payment information in response to the confirmation response from the portable terminal 100 of the user (S209).

Also, the history information management unit 350 can provide the first partial data of the registered payment history information to the payment terminal (S211), store the second partial data of the payment history information in the database of the storage unit 380 (S213).

Here, the first partial data may include at least a part of the transaction information and the history information of the settlement history information, and the second partial data may include at least part of the payment means information and the point means information matching the first partial data . Accordingly, the settlement history information can be distributedly stored, the security can be maintained, the load of data to be transmitted and received, and the database construction amount of the server can be reduced.

Meanwhile, FIG. 5 is a ladder diagram illustrating the pointing or using process using the first partial data directly by the payment terminal 200 according to another embodiment of the present invention.

5, the settlement terminal 200 generates a payment approval request telegram (S3005), and transmits the payment approval request request message to the relay server 300 (step S3003) (S3007).

Here, the point means information may be obtained by recognizing and obtaining the identification information presented by the payer, from the information stored in advance in the payment terminal 200 corresponding to the payment means, or in correspondence with the identification information of the payer's portable terminal 100 Can be obtained from previously stored information. However, the input procedure is shortened because the inquiry about the accumulation or use of the point means and the corresponding input are all omitted.

When the approval request message is received, the relay server 300 acquires, from the history information management unit 350, payment history information corresponding to the merchant information and payment information extracted therefrom (S3009) (S3011), and transmits the extracted first partial data to the payment terminal 200 (S3013).

Then, the settlement terminal 200 identifies the accumulation or use process from the first partial data of the settlement history (S3015), transmits the accumulation or use request of the point means to the point server 500 directly according to the identified process (S3017), and receives the result (S3019). The approval procedure of the payment means with the relay server 300 and the card issuer server 400 can be processed (not shown).

6 to 10 are diagrams for explaining a user interface provided through a mobile terminal by a server operation according to an embodiment of the present invention.

FIG. 6 illustrates a service registration interface for the customer information management unit 330 provided to the mobile terminal 100 according to an embodiment of the present invention. The service according to the embodiment of the present invention may be referred to as a payment history service And the service registration information may include at least one of a name, a card company, a card name, date of birth, point card information, or authentication information.

7 illustrates a usage history service registration interface for registering reference setting information and mapping information for generating a payment history stored and managed in the history information management unit 350 when registering a payment history service, The settlement history generating condition for one or more point means can be set as shown in Fig.

Referring to FIG. 8, the payment history generation condition for the point use history service according to the embodiment of the present invention may include at least one of accumulated payment amount information, payment number information, and payment period information. As shown in FIG. 8, the user can set the payment history generation condition to correspond to the payment history generation condition when the cumulative payment amount is 50,000 won or more and the payment time is 5 or more within two weeks.

Accordingly, when the accumulated payment information reaches the payment history generation condition, the notification message as shown in FIG. 9 can be delivered to the portable terminal 100 of the user. For example, referring to FIG. 9, the point use history for the merchant may include usage information (accumulation or discount) of the point card Y card for the usage card XX, When the XX card is used, the accumulation processing for the point card Y can be automatically provided using the relay server 300 or the payment terminal 200. [

Meanwhile, as shown in FIG. 10, the history information management unit 350 may perform not only the generation and management of the history information but also a recommendation function for user benefit. For this, the history information management unit 350 may store information on a point means or a payment means having a higher user benefit as compared to the current payment history information, based on the promotion information received from the point server 500 and the card issuer server 400, (100).

To this end, the history information management unit 350 may perform the periodic comparison determination of the promotion information and the settlement history information, and inform the portable terminal 100. The settlement history management unit 350 may automatically receive the settlement history The information can be changed and the convenience can be improved.

Meanwhile, according to the embodiment of the present invention, the history information management unit 350 may manage usage information of the point means corresponding to the payment information and the merchant information when managing the payment history information , The merchant information may include merchant store identification information and affiliate identification information. For example, a plurality of affiliated merchants affiliated with the same franchise may be mapped to one affiliate identification information, whereby the payment history information between affiliated affiliated merchants can be cumulatively managed.

For example, in the case of a large-sized merchant functioning as a chain store, the affiliate identification information may correspond to the chain store information, and the history information management unit 350 may store a plurality of merchant information corresponding to the chain store information Accumulation of the settlement history information from the information can be used for determination and processing of the accumulation or discount process thereafter. Therefore, according to the affiliation identification information, the user can be provided with at least one of a point accumulation service or a use service based on accumulation of settlement history information at various merchant stores such as a chain store as well as a specific merchant store.

In addition, the affiliation identification information may be generated according to an affiliation relationship among the affiliated stores. For example, the affiliation identification information may be assigned to the affiliated store terminals using the same relay server 300. In this case, it is possible to provide settlement history information collection and service between the merchants operating different businesses based on the affiliation identification information. Accordingly, a service for accumulating or using points based on collecting the integrated settlement history information can be provided.

To this end, the history information management unit 350 can match and manage a plurality of merchant identification information corresponding to the affiliation identification information assigned to the relay server 300. [ Then, by collecting and managing the payment history information of the user from the payment information received from the merchant terminal corresponding to the plurality of merchant identification information to the affiliation identification information, Use or accumulation process.

For example, a user registered in the customer information management unit 330 performs settlement using the relay server 300 as point means at a convenience store A with the payment means Y discounted by the mobile communication company membership X, When the settlement history information is collected in the history information management unit 350, at least one service among the mobile communication company membership discount X or the accumulation process may be transmitted to the settlement means Y It can be automatically provided based on the settlement history information, thereby maximizing user convenience.

The above-described payment information processing method according to the present invention may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM, a RAM, a CD-ROM , A magnetic tape, a floppy disk, and an optical data storage device.

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 should be understood that various modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

Claims (16)

A payment information processing method of a server,
Receiving payment approval request information corresponding to a goods or service from a payment terminal of the merchant;
Obtaining payment history information of the point means corresponding to the payment information by using the reference condition information for generating the payment history of the payer and the payment information and the franchise point information obtained from the payment approval request information; And
And determining the processing of the point means corresponding to the payment approval request information using the payment history information,
Wherein the determining comprises:
Determining the use of the point means and the processing of the discounting process of the payment information according to the use of the point means by using the payment history information
How the server processes payment information. The method according to claim 1,
Wherein the determining comprises:
Further comprising the step of determining the processing of the accumulation process for the point means corresponding to the payment information using the payment history information
How the server processes payment information. 3. The method of claim 2,
Wherein the determining comprises:
And transmitting the identification information and the point means utilization information of the point means obtained from the first partial data of the payment history information to the payment terminal
How the server processes payment information. The method of claim 3,
At least one of whether to request the accumulation of the point means corresponding to the payment approval request telegram of the payment terminal or the use request of the point means is determined according to at least one of the identification information of the point means and the point means utilization information
How the server processes payment information. The method according to claim 1,
One or more point means information matching with the merchant information and the payment means information of the payment terminal and cumulatively collecting the usage information of the point means; And
And generating the payment history information from the cumulative usage information
How the server processes payment information. 6. The method of claim 5,
Further comprising the step of presetting reference condition information for generating the settlement history information
How the server processes payment information. The method according to claim 6,
Wherein the reference condition information includes at least one of a reference settlement amount information, a reference settlement number information, and a reference settlement period information
How the server processes payment information. The method according to claim 6,
Receiving and setting the reference condition information from the portable terminal;
Transmitting, to the mobile terminal, a registerable message of the payment history information when the reference condition information matches the reference condition information; And
And registering the payment history information according to a registration request received from the portable terminal
How the server processes payment information. A server apparatus for processing payment information,
A communication unit for receiving payment approval request information corresponding to a product or service from a payment terminal of the merchant;
A history information management unit for obtaining payment history information of the point means corresponding to the payment information by using the reference condition information for generating the payment history of the payer and the payment information and the franchise point information obtained from the payment approval request information; And
And a settlement approval processing unit that uses the settlement history information to determine a process of the point unit corresponding to the settlement approval request information,
The payment approval processing unit,
The payment history information is used to determine the use of the point means and the processing of the discount process of the payment information according to the use of the point means
Server device. 10. The method of claim 9,
The payment approval processing unit
The payment history information is used to further determine the charging process for the point means corresponding to the payment information
Server device. 11. The method of claim 10,
The payment approval processing unit
The identification information and the point means utilization information of the point means obtained from the first partial data of the payment history information are transmitted to the payment terminal through the communication unit
Server device. 12. The method of claim 11,
At least one of whether to request the accumulation of the point means corresponding to the payment approval request telegram of the payment terminal or the use request of the point means is determined according to at least one of the identification information of the point means and the point means utilization information
Server device. 10. The method of claim 9,
The history information management unit,
One or more point means information that matches the merchant information and the payment means information of the payment terminal, cumulatively collects the usage information of the point means, and generates the payment history information from the cumulative usage information
Server device. 14. The method of claim 13,
The history information management unit presets reference condition information for generating the settlement history information,
Wherein the reference condition information includes at least one of a reference settlement amount information, a reference settlement number information, and a reference settlement period information
Server device. 15. The method of claim 14,
Wherein the history information management unit receives and sets the reference condition information from the portable terminal and transmits a registerable message of the payment history information to the portable terminal when the reference condition information matches the reference condition information, According to the registration request, the payment history information is registered
Server device. A method of operating a merchant payment terminal,
Transmitting a payment approval request message of the payment means according to the payment information input to the server;
Receiving payment history information corresponding to the payment approval request telegram from the server;
Acquiring usage information of the point means matching the payment means using the payment history information; And
Performing at least one of accumulation or discount processing of the point means corresponding to the payment information in accordance with the obtained usage information,
Wherein the performing comprises:
Performing the discount processing using the usage result information received from the server in accordance with the use of the point means and the process of discounting the payment information according to the use of the point means using the payment history information, Included
A method of operating a payment terminal.

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