KR102473789B1 - A payment terminal apparatus processing independent operation mode switching and a method for operating it - Google Patents

Abstract

An operating method of a payment terminal according to an embodiment of the present invention includes processing payment information using payment application data for a first payment operation mode according to driving of a first payment operation mode; processing mode conversion into a second payment operation mode whose payment process is different from that of the first payment operation mode according to an administrator's input to a mode change interface; and performing payment information processing using payment application data for the second payment operation mode according to the switching of the second payment operation mode.

Description

Payment terminal handling independent payment operation mode conversion and its operation method

The present invention relates to a payment terminal and an operating method thereof. More specifically, the present invention relates to a payment terminal that handles switching of an independent payment operation mode and an operation method thereof.

Typically, payment terminals for financial transactions are provided with a magnetic stripe reader (MSR) module or an IC card reader module called a smart card to read card information encoded on a magnetic strip of a card. do.

The MSR module converts card information read from a magnetic card reader through a magnetic head into an analog signal form and transmits it, and is currently the most widely used card information processing method due to its ease of manufacture, ease of use, and low cost of building infrastructure. It is an in-card reader module.

The IC card reader module is a card with a built-in microprocessor and memory, and is a payment method capable of minimizing the risk of forgery and alteration of a magnetic card and providing various services by storing and processing information in the card. Compared to conventional magnetic cards, the storage capacity is superior, so that various additional functions requiring separate information storage can be performed, and security problems can be improved.

IC cards are divided into contact type and non-contact type depending on how they are used. The most common type of IC card is a contact type IC card that has a metal pattern on the front of the card. Built in, it is possible to read card information through an IC card reader provided in a financial transaction terminal.

On the other hand, recently, mobile credit cards that combine credit cards with mobile are being used for payment, and these existing mobile credit cards provide a separate mobile card (Jacquard) for existing magnetic card (mo card) holders through the credit card company's customer center and homepage. ) is issued upon request.

In general, such a payment terminal for financial transactions is connected to a financial server or a VAN company server through an on/off dedicated line to read user's card information, request payment approval, and transmit/receive financial transaction results.

Further, these payment terminals for financial transactions may be classified into a CAT (Credit Authorization Terminal) terminal and a POS (Point of Sale) terminal according to a built-in payment operation process.

The CAT terminal is a payment-only terminal specialized only for payment functions by automatically reading the issuing company and member number used for credit card transaction approval at credit card merchants, etc. can mean

In addition, POS terminals are installed at credit card merchants to provide various point-of-sale management functions (Point Of Sale, POS functions) such as sales product inquiry, sales inquiry, product management, member management, and inventory management, and to manage transactions by credit card. As a terminal device that provides a transaction approval function to receive transaction approval from a credit card company, it may refer to a device that can process, store, and manage additional information other than payment information by an application that is normally driven by a computer operating system. have.

However, in recent years, technologies that allow financial transaction services to be performed in connection with conventional portable terminals have been applied, and by using a Linux-based OS such as Android, modularized CAT or POS functions are installed on portable terminals, respectively. There are cases of producing and selling commercialized CAT terminals or POS terminals.

However, since each of the CAT terminal and the POS terminal is driven differently by mutually independent and standardized operating processes except for some payment modules, although they may be configured based on the same portable terminal or similar device in terms of hardware, It is inconvenient to be processed and sold as a separate product, and maintenance must also be provided as a separate service.

In addition, since demand and use of CAT terminals and POS terminals are different, there is a problem in that the cost required for production management is increased compared to the similarity of hardware.

The present invention can increase the flexibility and usability of device operation by operating the CAT terminal and the POS terminal independently of each other by mode conversion using one hardware device, and facilitates production management, maintenance, or reuse. The purpose of the present invention is to provide a payment terminal and its operation method that handles the independent payment operation mode conversion.

A method according to an embodiment of the present invention for solving the above problems is a method of operating a payment terminal, processing payment information using payment application data for a first payment operation mode according to driving of a first payment operation mode. performing; processing mode conversion into a second payment operation mode whose payment process is different from that of the first payment operation mode according to an administrator's input to a mode change interface; and performing payment information processing using payment application data for the second payment operation mode according to the switching of the second payment operation mode.

An apparatus according to an embodiment of the present invention for solving the above problems may include a payment information processing unit configured to process payment information using payment application data for a first payment operation mode according to driving of a first payment operation mode; and a mode switching processing unit for processing a mode switching to a second payment operation mode having a different payment process from the first payment operation mode according to an administrator's input to the mode switching interface, wherein the payment information processing unit is configured to: According to the operation of the second payment operation mode, payment information is processed using the payment application data for the second payment operation mode.

A method according to an embodiment of the present invention for solving the above problems may be implemented in a computer-readable program for executing the method on a computer and a recording medium on which the program is recorded.

According to an embodiment of the present invention, payment information processing using payment application data for the first payment operation mode is performed, but the payment process is different from the first payment operation mode according to the administrator's input to the mode conversion interface. By providing the payment terminal with a mode switching processing unit that processes mode switching to the payment operating mode, two or more payment operating modes can be installed in one payment terminal, and thus mutual payment operating mode switching can be easily supported.

Accordingly, by using one hardware device, devices with different payment operation processes, such as a CAT terminal and a POS terminal, can be operated independently of each other by mode switching, which can increase the flexibility and usability of device operation, The purpose of the present invention is to provide a payment terminal and its operation method that handle independent payment operation mode conversion that facilitates production management, maintenance, or reuse.

Furthermore, in the case where the POS terminal or CAT terminal can be supplied as a refurbished or used product, the used POS product can be converted to a CAT terminal according to the mode conversion process, or the used CAT product can be converted to a POS terminal and provided. , mutual conversion according to demand may be possible.

In addition, when switching modes, security information such as existing transaction data is separately encrypted and backed up, and can be deleted from the terminal, enabling independent transaction data management by operating mode according to POS and CAT conversion, and preventing the possibility of data leakage or Possibility of hacking can be prevented in advance.

1 is a conceptual diagram schematically illustrating an entire system according to an embodiment of the present invention.
2 is a block diagram illustrating a payment terminal in more detail according to an embodiment of the present invention.
3 is a block diagram showing a mode conversion processing unit according to an embodiment of the present invention in more detail.
4 is a flowchart for explaining a method of operating a payment terminal according to an embodiment of the present invention.
5 is a flowchart for explaining a method of operating a payment terminal according to another embodiment of the present invention.
6 to 10 are diagrams illustrating interface screens output according to the operation of a payment terminal according to an embodiment of the present invention.

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

However, the drawings shown below and the description below relate to preferred implementation methods among various methods for effectively explaining the features of the present invention, and the present invention is not limited to only the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of a user or operator. Therefore, the definition should be made based on the contents throughout this title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration in order to efficiently explain the technical components constituting the present invention, or system functions commonly provided in the technical field to which the present invention belongs. The configuration is omitted as much as possible, and the functional configuration that should be additionally provided for the present invention will be mainly described.

If one has ordinary knowledge in the technical field to which the present invention belongs, one will be able to easily understand the functions of conventionally used components among the omitted functional configurations not shown below, and also the omitted configurations as described above. Relationships between elements and components added for the present invention will also be clearly understood.

In addition, in the following embodiments, terms will be appropriately modified and used so that those skilled in the art can clearly understand in order to efficiently explain the key technical features of the present invention, but thereby the present invention It is never limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments are a means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention belongs. only

The term "payment terminal" described in this specification refers to a general IC card reader, magnetic strip reader, barcode reader, QR code reader, Bluetooth, WIFI, NFC method, etc., other than the operation according to the embodiment of the present invention. It may include a POS terminal or CAT terminal for providing payment service of card information read from a customer's payment method using a wireless communication reader, etc., and a POS-specific function for point-of-sale management and at least one payment method A payment terminal selectively provided with a CAT electronic payment function through the provided customer card may be exemplified.

In addition, in recent years, it has become possible to mount or combine the functions of the payment terminal into a portable terminal, and the "payment terminal" includes a mobile phone, a smart phone, a laptop computer, and a portable terminal for digital broadcasting. , PDA (Personal Digital Assistants), PMP (Portable Multimedia Player), navigation, etc., and the present invention is not limited thereto, and other various devices capable of user input and information display may be included in the payment terminal.

In addition, the term “relay server” may refer to a server on the side of a VAN company that relays credit card electronic payments as an example, but various types of servers related to electronic credit card payments may also correspond to this, and specific functions Accordingly, it is also possible to separate the actual payment relay function and other additional functions into a separate server type.

Figure 1 shows the entire system according to an embodiment of the present invention.

A payment system according to an embodiment of the present invention includes a signature pad 100, a payment terminal 100, a relay server 200, and a card company server 300.

The payment terminal 100 may include a customer's terminal, a communication module for providing a payment service for card information read from an IC card or magnetic card, an IC card reader unit, and a magnetic strip reader.

Also, the payment terminal 100 may be a payment terminal equipped with an electronic payment function, and may independently process a payment process according to the operation of the payment operation mode.

The payment terminal 100 according to this embodiment of the present invention performs payment information processing using payment application data for the first payment operation mode according to the operation of the first payment operation mode, and responds to an administrator's input for the mode switching interface. Accordingly, the mode conversion to the second payment operation mode, which has a different payment process from the first payment operation mode, is processed, and the payment application data for the second payment operation mode is used according to the driving of the switched second payment operation mode. Perform payment information processing.

For example, the payment terminal 100 includes a payment program for the first payment operation mode and a payment program for the second payment operation mode, respectively, and one program selected by mode conversion among payment programs of the payment terminal 100. can be driven independently using

The first payment operation mode may correspond to a CAT (Credit Authorization Terminal) mode providing only a payment function according to a credit transaction approval process, and the second payment operation mode is based on payment according to a credit transaction approval process. , it can respond to the POS (Point Of Sale) mode that provides a point of sale management function.

More specifically, the credit transaction approval process of the payment terminal 100 according to the CAT mode operation may include only an independent credit transaction approval process regardless of the point-of-sale management function.

Accordingly, the payment terminal 100 operated in the CAT mode reads the user's card information and transmits a transaction approval request message to the relay server 200 to request approval to perform credit payment processing, and when the transaction is approved or canceled A message or slip including a receipt related to approval or cancellation of a transaction may be output, or a message or slip including a receipt related to issuance or cancellation of a cash receipt may be generated and output.

On the other hand, the credit transaction approval process according to the POS mode operation may include one or more module processes that provide a point-of-sale management function using payment information. As shown in FIG. 1, the payment terminal 100 driven in the POS mode includes a store management module, an order management module, an inventory management module, a product management module, a time and attendance management module, and a sales management module operated by a point-of-sale management function. It may include at least one of, and in addition to this, modules related to various point-of-sale management functions may be further included.

Accordingly, the credit transaction approval process of the payment terminal 100 according to the POS mode operation is a credit transaction approval process using the card information of the leading payment method and a point-of-sale management function linked to the credit transaction approval process. may include a provision process of

For example, the payment terminal 100 operated in the POS mode performs automated input processing of product/order information and price information based on a point-of-sale management function, and reads the user's card information to the relay server 200. Credit payment processing is performed by sending a transaction approval request message and requesting approval, and when a transaction is approved or canceled, a message or slip containing a receipt related to the transaction approval or cancellation is output, or a receipt related to the issuance or cancellation of a cash receipt is printed. It can generate and output an included message or slip, and perform a point-of-sale processing function related to inventory management and sales management according to transaction results.

Meanwhile, the relay server 200 may receive the approval request message, relay the approval request message to the card company server 300 to confirm approval, and transmit a response message according to approval or not to the payment terminal 100. have.

In addition, the relay server 200 receives the payment approval request message received from the payment terminal 100 and performs payment processing.

For example, the relay server 200 may transmit a full text of an approval request for the transaction to the card company server 300, and the card company server 300 may send a full response message including approval/rejection of the transaction to the relay server 200. and the relay server 200 may transmit the response message to the payment terminal 100 again.

As described above, the relay server 200 may be, for example, a server on the side of a value added network (VAN) company that provides a payment agency service in an electronic payment system using a credit card. However, the present invention is not limited to this, and the relay server 200 may be a server that relays only purchase of vouchers in addition to a server that acts as a payment agent, and may include various forms such as a simple relay server connected to a server of a general card company. have.

Meanwhile, the card company server 300 may be a server of a card company that issued a credit card, and may perform approval processing according to a card approval message, cancellation processing, and transmission of approval results.

According to such a system configuration, the payment terminal 100 according to an embodiment of the present invention can be independently driven in a first payment operation mode such as a CAT mode and a second payment operation mode such as a POS mode. Through conversion, one payment terminal 100 can be selectively utilized as a CAT terminal or POS terminal, which can increase the flexibility and usability of device operation, and facilitates production management, maintenance, or reuse.

Furthermore, the payment terminal 100 according to an embodiment of the present invention supports encryption and backup processing of transaction data in order to prevent loss of transaction data in the conversion process caused by independent operation of each payment operation mode. Independent transaction data management for each operation mode according to POS and CAT conversion is possible as it can be deleted from the terminal so that it is not referenced during mutual operation, and the possibility of hacking or data leakage during conversion is prevented in advance It can be.

2 is a block diagram illustrating a payment terminal in more detail according to an embodiment of the present invention.

Referring to FIG. 2 , the payment terminal 100 includes a control unit 110, a communication unit 120, a reader unit 130, a payment information processing unit 140, an input unit 150, a storage unit 160, and an output unit 170. ), a printer unit 180 and a mode conversion processing unit 190.

The control unit 110 controls the overall operation of the payment terminal 100 to generate payment approval request information for a transaction according to the card information and payment information being read, and process the information to be transmitted to the relay server 300 .

To this end, the payment information processing unit 140 may generate payment approval request information using the payment amount information determined according to the user input input through the input unit 150 and the read card information.

In addition, when approval request result information corresponding to the generated payment approval request information is received from the relay server 300, the payment information processing unit 140 may store and manage transaction data including transaction result information.

In particular, the payment information processing unit 140 according to an embodiment of the present invention generates payment approval request information based on the CAT process in the first payment operation mode, processes result information, and transaction data according to the currently running payment operation mode. It can perform storage and management processing of. Accordingly, the first payment operation mode may be a CAT mode in which only credit transaction approval processing is independently performed according to information transmission and reception with the relay server 300 or the card company server 400, and the execution result is stored and managed as transaction data. .

And, in the second payment operation mode, the payment information processing unit 140 generates payment approval request information based on the POS process linked with the point-of-sale information processing unit 145, processes result information, and stores and manages transaction data. can be done Therefore, in the second payment operation mode, credit transaction approval processing is performed according to information transmission and reception with the relay server 300 or the card company server 400, but the point-of-sale information processing unit 145 linked with the credit transaction approval processing sells It may be a POS mode in which a point-of-sale management function is performed and results of the point-of-sale management function are stored and managed as transaction data.

Here, the point-of-sale information processing unit 145 may be a function processing unit including one or more point-of-sale management modules using the payment information processing unit 140 and may operate only in the second payment operation mode. The point of sale information processing unit 145 may provide a POS process based on a point of sale management module including at least one of an order management module, a table management module, a time and attendance management module, a product management module, an inventory management module, and a transaction management module. .

In addition, the payment information processing unit 140 may perform the remaining payment processing for the credit transaction according to receiving payment approval response information from the relay server 200 or the card company server 300 . The remaining payment processing may include, for example, output of an approval rejection message, output of approval completion information, and output of a slip.

To process such payment information, the input unit 150 may selectively include one or more function keys for user input. Furthermore, the input unit 150 may further include a signature pad, and may receive all payment information including a phone number and signature information for card payment through the signature pad. In this case, the input unit 150 Minimal function keys for on/off may be included.

Also, the reader unit 130 includes one or more modules for reading card information. The reader unit 130 can read card information of a credit card made of a magnetic type credit card 10 as well as an RF type non-contact type IC card or a contact type IC card. To this end, the reader unit 130 may include a magnetic strip reader (MSR) for reading card information and an IC card reader unit for reading IC card information. In addition, the reader unit 130 may further include a short-range communication payment module according to NFC, WIFI, or Bluetooth standards.

Accordingly, the card information for offline card payment may be read through the reader unit 130 . Card information may include, for example, card number, expiration date, CVC information, and user name.

Also, the communication unit 120 may transmit the approval request message to the relay server 200 and receive a response message according to a server processing result of the approval request message.

The communication unit 120 is a type connected in a wireless or wired manner through a local area network (LAN) and an Internet network, a type connected through a USB (Universal Serial Bus) port, and a mobile communication network such as 3G and 4G. A form of connection, a form of connection through a short-range wireless communication method such as NFC (Near Field Communication, RFID (Radio Frequency Identification), Wi-Fi, etc. is possible.

The output unit 170 may include a display for outputting the payment processing status of the payment terminal 100, processing information related to the CAT mode, management information related to the POS mode, and transmission/reception messages. Also, the payment terminal 100 may provide an interface for inputting a signature through the output unit 170 . Also, the output unit 170 may be connected to the signature pad to control display output of the signature pad.

Also, the printer unit 180 prints data in the form of a credit slip or receipt on pre-inserted paper based on payment information data including a receipt related to the approval or cancellation of a transaction by the payer and a receipt related to the issuance or cancellation of a cash receipt. can be printed.

Here, the payment device modules in the first payment operation mode and the second payment operation mode may be driven independently of each other, and device control authority for each operation mode may be individually set. For example, the authority to control the payment hardware corresponding to the reader unit 130, the communication unit 120, the input unit 150, the output unit 170, and the printer unit 180 is divided with the manager of the first payment operation mode. 2 It may be set differently for each manager information of the payment operation mode. For example, manager information of the first payment operation mode and manager information of the second payment operation mode may be set differently, and according to authentication of the manager information for each operation mode, the reader unit 130 and the communication unit 120 , The control authority of at least one of the input unit 150, the output unit 170, and the printer unit 180 may be set.

Meanwhile, the storage unit 160 performs a function of storing various data and applications necessary for the operation of the payment terminal 100 .

In particular, the storage unit 160 according to an embodiment of the present invention corresponds to the first operating mode, CAT operating software (CAT OS) for the CAT operating mode, and installable driving of CAT applications operated on the CAT operating mode Data can be pre-saved.

In addition, the storage unit 160 stores POS operating software (POS OS) for the point-of-sale management-based POS operating mode and installable drive data of POS applications operated in the POS operating mode in response to the second operating mode. can be pre-saved.

In addition, the storage unit 160 may store and manage transaction data including payment information, POS management information, transaction detail information, etc. according to the operation of the application performed by each operation mode, and the transaction data is Depending on the mode, it can be created, stored and managed independently. In addition, transaction data for each operation mode can be encrypted and backed up according to mode conversion, and mutually independent encryption keys and encryption methods can be used.

Meanwhile, the mode conversion processing unit 190 may perform conversion processing of a payment operation mode using installable drive data stored in the storage unit 160 . The mode conversion processing unit 190 backs up and deletes data for the existing operation mode using driving data stored in the storage unit 160, installs data for the operation mode to be switched, and converts the boot path to convert Mutual switching between modes can be performed by processing booting into an operating mode.

Here, the first payment operation mode may be a CAT mode and the second payment operation mode may be a POS mode.

For example, when the mode conversion processing unit 190 converts from CAT mode to POS mode, deletes operation data and application data of CAT mode, backs up transaction data, installs operation data and application data of POS mode, It is possible to designate a boot path as a path corresponding to the POS mode and perform a process of rebooting.

In addition, for example, the mode conversion processing unit 190 deletes POS mode operation data and application data, backs up transaction data, and installs CAT mode operation data and application data when switching from POS mode to CAT mode. , designate the boot path as a path corresponding to the CAT mode, and perform a process of rebooting.

In order to facilitate the conversion process of such an operating process, the CAT operating software and applications pre-stored in the storage unit 160 and the POS operating software and applications may share the same operating system (OS). For example, both the CAT OS process and the POS OS process may be configured as operating processes based on a Linux system or configured as mobile operating processes based on Android.

In addition, the mode conversion processing unit 190 may perform processes such as data download for data version update, conversion command processing, transaction data backup transmission, and boot path conversion. let me explain

3 is a block diagram showing a mode conversion processing unit according to an embodiment of the present invention in more detail.

Referring to FIG. 3 , the mode switching processing unit 190 according to an embodiment of the present invention includes a data download unit 191, a switching command processing unit 193, a transaction data backup unit 195, and a boot path switching unit 195. includes

The data download unit 191, through the communication unit 120, monitors the update of the version information of the pre-stored operating process and application installation data, and updates to the latest version according to a preset cycle when the latest version update exists. Download function can be performed.

For example, the process and application installation data for the CAT operation mode or the POS operation mode may be composed of an application file (apk) and a Linux process file, respectively. The data download unit 191 accesses the relay server 300 or a separate data server (not shown), monitors whether the application file and the Linux process file are updated, and updates the application file and the Linux process file. If it exists, it can be downloaded and stored and managed in the installation data path for mode conversion of the storage unit 160 .

For example, the Linux-based Android OS-based application (apk file) installation path for each mode of the storage unit 160 may be /oem/BackupApps, and the operating process (flash file) installation path for each mode may be /oem/ It could be Flash.

On the other hand, the switch command processing unit 193 processes the mode switch from the first payment operation mode to the second payment operation mode, which has a different payment process from the first payment operation mode, according to an administrator's input to the mode switch interface. can do.

For example, the mode switching interface may include a manager setting screen in a CAT payment operation mode or a POS payment operation mode driven by the control unit 110, and the manager transmits manager authentication information for mode switching to the mode switching mode. It can be entered through the interface. Since the manager may be set differently for each operation mode, manager authentication information for mode switching may also be set differently for each operation mode. Accordingly, a manager set after mode conversion may be a manager different from an existing manager, and independence for each mode may be implemented.

And, when the mode switching command input and administrator authentication are completed in the first payment operation mode, the switch command processing unit 193 includes the OS process information for the second payment operation mode pre-stored in the storage unit 160 and the second payment operation The application data for the mode is acquired, and the OS process information for the second payment operation mode and the application data for the second payment operation mode are installed.

In addition, the transaction data backup unit 195 may encrypt and back up first transaction data generated in advance by the first payment operation mode according to manager authentication information corresponding to the manager during the mode switching process. As described above, the transaction data may include transaction approval detail information in the case of the CAT mode, and may further include point-of-sale management information linked with the transaction approval detail information in the case of the POS mode.

In addition, the transaction data backup unit 195 matches the encrypted transaction data for each mode with the manager authentication information and transmits the data to the relay server 300 or other data management server (not shown) through the communication unit 120. . Accordingly, the transaction data may be stored and managed in an external server so that only a manager for each payment operation mode can check it later as authentication information. In addition, the transaction data backup unit 195 can secure independence and security between mutual payment operation modes by deleting the backed-up transaction data from the current payment terminal.

Meanwhile, the switch command processing unit 193 may insert an identifier indicating the second payment operating mode into a switch logic flag monitored in real time based on flag path information according to the switch command processing in the first payment operating mode. .

The conversion logic flag is data indicating the start of the above-described data installation and backup process according to the conversion command, and indicates whether the current payment operation mode to be driven is the first payment operation mode or the second payment operation mode, or the conversion process is It may contain one or more identifiers indicating whether it should be disclosed. This conversion logic flag may be included in a specific path file in the data structure of the storage unit 160, and may be monitored in real time according to a preset period or event detection by a separate secure process.

Further, the conversion command processing unit 193 executes a reboot command of the payment terminal 100 when conversion processing by the conversion logic flag and backup of transaction data are completed so that booting into the switched installed second payment operation mode is completed. do.

4 is a flowchart for explaining a method of operating a payment terminal according to an embodiment of the present invention.

Referring to FIG. 4 , the payment terminal 100 according to an embodiment of the present invention identifies a first mode among currently running CAT or POS processes from an OS process installed in a booting path (S101).

Then, the payment terminal 100 enters the identified first payment operation mode process and processes payment information according to application operation (S103).

Thereafter, the payment terminal 100 confirms the start of the mode change command through the mode change processing unit 190 (S104), performs manager authentication when the mode change command exists (S105), and performs a first mode according to the manager setting. The transaction data of is first encrypted and backed up using manager authentication information (S107).

Then, the payment terminal 100 deletes transaction data and applications corresponding to the first mode (S109), and installs OS processes and applications of the second mode (S111).

Thereafter, the payment terminal 100 processes rebooting to complete the transition to the second mode (S113).

5 is a flowchart for explaining a method of operating a payment terminal according to another embodiment of the present invention.

Referring to FIG. 5 , the payment terminal 100 according to an embodiment of the present invention monitors OS processes and application data of each of the CAT and POS installation data paths previously stored in the storage unit 160 (201).

Then, when the update is confirmed, the payment terminal 100 downloads the update-confirmed data and stores it in the mode switching installation data path (S203).

And, when the mode change command is confirmed, the payment terminal 100 uses the updated data to install and operate the CAT or POS service of the latest version (S205).

6 to 10 are diagrams illustrating interface screens output according to the operation of a payment terminal according to an embodiment of the present invention.

6 shows a display interface of the payment terminal 100 operating in CAT mode according to an embodiment of the present invention. CAT mode operates a CAT (Credit Authorization Terminal) payment that provides only payment functions according to a credit transaction approval process. mode, the CAT payment operation mode may include a credit payment function, a cash receipt payment function, a transaction cancellation function, etc., and the transaction data may include transaction history data, payment approval data, or sales data. .

7 shows a manager setting interface in CAT mode according to an embodiment of the present invention. The CAT mode manager setting interface includes terminal information setting for driving a payment terminal in CAT mode, printer setting, sound setting, terminal It may include at least one of test, terminal function limitation, reader setting, and payment mode change setting menu.

And, FIG. 8 shows a CAT mode interface when the payment mode change setting menu is selected, and the mode conversion processing unit 190 is used for switching from the currently running CAT mode (Easy Check) to the POS mode (Easy Force). The mode switching interface can be output. In addition, the mode change interface may further include an authentication information input interface for inputting manager authentication information along with guidance for each mode change. Authentication information may include a password, but biometric authentication, mobile authentication, and other various authentication information may be used for administrator authentication.

Meanwhile, FIG. 9 shows a POS mode interface in which the mode is switched according to an embodiment of the present invention, and the POS mode is a POS (Point Of Sale) payment that provides a point of sale management function according to a payment according to a credit transaction approval process. It may include an operation mode, and the POS payment operation mode may include one or more point-of-sale management functions interlocked with a credit transaction approval process of a credit payment function, a cash receipt payment function, and a transaction cancellation function.

As shown in FIG. 9 , the point-of-sale management function includes at least one of a table arrangement function, a product management function, an inventory management function, a transaction management function, an order management function, a time and attendance management function, a manager setting function, a remote support function, and a device setting function. The transaction data may include transaction history data, payment approval data, or sales data, and at least one of table management data, product management data, inventory management data, order management data, and time and attendance management data linked thereto. can include

And, as shown in FIG. 10, the manager of the POS mode can access the payment mode change menu through the device setting function, and when the payment mode change menu is selected, according to the operation of the mode change processing unit 190 described above. , A mode conversion interface for conversion from the currently running POS mode (Easy Force) to the CAT mode (Easy Check) can be output. Similarly, the mode change interface may further include an authentication information input interface for inputting administrator authentication information along with each mode change guide. Authentication information may include a password, but biometric authentication, mobile authentication, and other various authentication information may be used for administrator authentication.

The method according to the present invention described above may be produced as a program to be executed on a computer and stored in a computer-readable recording medium. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, and magnetic tape. , floppy disks, and optical data storage devices.

The computer-readable recording medium is distributed to computer systems connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the technical field to which the present invention belongs.

In addition, although the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

Claims (16)

In the operation method of the payment terminal,
performing payment information processing using application data for a CAT operating mode according to the operation of a CAT (Credit Authorization Terminal) operating mode that processes a credit transaction approval process;
processing mode conversion from the CAT operation mode to a point of sale (POS) mode providing a point of sale management function linked to a credit transaction approval process according to manager authentication information input to a mode conversion interface;
performing payment information processing using application data for the POS operating mode according to the driving of the switched POS operating mode; and
Processing mode conversion from the POS operating mode to the CAT operating mode according to administrator authentication information input to a mode switching interface;
The step of processing the mode conversion,
acquiring pre-stored OS process information for the POS operating mode and application data for the POS operating mode;
installing OS process information for the POS operating mode and application data for the POS operating mode; and
Inserting an identifier representing the POS operating mode into a switching logic flag monitored in real time,
The transition logic flag includes one or more identifiers indicating whether a transition process from the CAT operation mode to the POS operation mode or from the POS operation mode to the CAT operation mode should be initiated, corresponding to the payment operation mode to be currently driven. Data that is included in a specific path file within a data structure.
A method of operating a payment terminal. delete delete delete According to claim 1,
The step of processing the mode conversion,
Encrypting and backing up first transaction data pre-generated by the CAT operation mode according to manager authentication information corresponding to the manager
A method of operating a payment terminal. According to claim 5,
The encrypted and backed-up first transaction data is transmitted to the server by matching with the manager authentication information.
A method of operating a payment terminal. According to claim 6,
The encrypted and backed-up first transaction data is deleted from the payment terminal.
A method of operating a payment terminal. According to claim 1,
Monitoring the OS process and application data for the mode transition and updating them to the latest version according to a preset cycle
A method of operating a payment terminal. In the payment terminal,
A payment information processing unit that processes payment information using application data for a CAT operating mode according to the driving of a CAT (Credit Authorization Terminal) operating mode that processes a credit transaction approval process; and
A mode conversion processing unit that handles mode conversion to a POS (Point Of Sale) operation mode that provides a point of sale management function linked to a credit transaction approval process according to the input of administrator authentication information for the mode conversion interface,
The payment information processing unit performs payment information processing using application data for the POS operation mode according to the driving of the switched POS operation mode,
The mode conversion processing unit processes mode conversion from the switched POS operating mode to the CAT operating mode according to manager authentication information input to a mode conversion interface;
The mode conversion processing unit,
Acquiring OS process information for the POS operating mode pre-stored in the storage unit and application data for the POS operating mode;
Installing OS process information for the POS operation mode and application data for the POS operation mode in the operation process path of the storage unit;
Inserting an identifier representing the POS operation mode into a conversion logic flag monitored in real time in the storage unit;
The conversion logic flag is
A specific path in the data structure of the storage unit, including one or more identifiers indicating whether a transition process from the CAT operating mode to the POS operating mode or from the POS operating mode to the CAT operating mode should be initiated, corresponding to the payment operating mode currently to be operated. data contained in the file.
payment terminal. delete delete delete According to claim 9,
The mode conversion processing unit,
Encrypting and backing up the first transaction data pre-generated by the CAT operation mode according to the manager authentication information
payment terminal. According to claim 13,
The encrypted and backed-up first transaction data is transmitted to the server by matching with the manager authentication information.
payment terminal. According to claim 14,
The encrypted and backed-up first transaction data is deleted from the payment terminal.
payment terminal According to claim 9,
The mode conversion processing unit,
Monitoring the OS process and application data for the mode transition and updating to the latest version according to a preset cycle
payment terminal.

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