KR102630739B1 - Apparatus for Providing Payment Management Service and Driving Method Thereof, and Computer-readable Recording Medium - Google Patents

Abstract

A payment management device, a method of operating the device, and a computer-readable recording medium are disclosed. The payment management device according to an embodiment of the present invention includes a communication interface unit that receives payment information related to the payment from the user terminal device where the payment is made, and a payment method related to credit or cash IC card payment by checking the received payment information. It includes a control unit that determines the type and, when there is a cash IC card payment function as a result of the judgment, checks the card identification number (BIN) and proceeds with the cash IC card payment.

Description

Payment management device and driving method of the device, and computer-readable recording medium {Apparatus for Providing Payment Management Service and Driving Method Thereof, and Computer-readable Recording Medium}

The present invention relates to a payment management device, a method of driving the device, and a computer-readable recording medium, and more specifically, to cash IC in kiosks, ATMs, and Point of Sales (POS) terminals. It relates to a payment management device that facilitates card payments, a method of operating the device, and a computer-readable recording medium.

Cash IC card payment service is a service that uses IC cards with cash deposit and withdrawal functions as a payment method. This service has the advantage of strong security because bank account information is stored in an IC chip that cannot be copied or hacked, and payment approval is only completed when the customer enters a password.

However, conventionally, when an affiliated store performs a cash IC payment using an IC card presented by a consumer, if a payment failure message is received from the KFTC server, the consumer is notified that cash IC payment is impossible, and then the consumer makes the payment with a credit card. If requested, remove the IC card from the payment terminal and insert it again into the payment terminal to perform a credit payment.

As such, in the past, there was the inconvenience of paying using a credit card, and there was a problem in that various types of payment methods could not be used for payment.

Korean Patent Publication No. 10-1887458 (2018.08.06) Korean Patent Publication No. 10-2244358 (2021.04.20)

Therefore, the technical problem to be achieved by the present invention is a payment management device that facilitates cash IC card payments at kiosks, ATMs, POS terminals, etc., a method of driving the device, and a computer-readable recording medium. is to provide.

According to one aspect of the present invention, a communication interface unit receives payment information related to payment from a user terminal device where payment is made, and checks the received payment information to determine the type of payment method related to credit or cash IC card payment. A payment management device may be provided that includes a control unit that determines the card identification number (BIN) and proceeds with the cash IC card payment when the cash IC card payment function is available as a result of the judgment.

As a result of determining the type of payment method, the control unit may determine that only a credit payment function exists or, in the case of an MS (magnetic stripe) transaction, may proceed with a credit card payment.

The control unit may proceed with the cash IC card payment when the card identification number is confirmed in a pre-stored card identification number list.

When the card identification number is confirmed, the control unit further determines whether there is a password error, insufficient balance, or transaction suspension, and finally proceeds with the cash IC card payment or credit card payment based on the judgment result. .

The control unit may proceed with the credit payment when final processing of the cash IC card payment is impossible or when the user's approval is obtained by asking the user terminal device whether to proceed with the credit payment.

When the cash IC card function is available, the control unit may not confirm bank account information to which the card is linked in addition to confirming the card identification number.

The control unit may pre-register virtual account information of an affiliated store that uses the payment service, and pay the cash IC card payment amount to the affiliated store using the pre-registered virtual account information.

In addition, according to another aspect of the present invention, the communication interface unit receives payment information related to the payment from the user terminal device where the payment is made, and the control unit confirms the received payment information and makes the credit or cash IC card payment. A method of driving a payment management device comprising the step of determining the type of payment method related to the payment method and, when there is a cash IC card payment function as a result of the determination, confirming the card identification number (BIN) and proceeding with the cash IC card payment. This can be provided.

In the step of proceeding, as a result of determining the type of payment method, only a credit payment function may exist, or in the case of an MS transaction, a credit card payment may be performed.

In the step of proceeding, the cash IC card payment can be progressed when the card identification number is confirmed on the pre-stored card identification number list.

In the proceeding step, when the card unique number is confirmed, it is further determined whether there is a password error, insufficient balance, or transaction suspension, and based on the judgment result, the cash IC card payment can be finally processed or the credit card payment can be processed. .

In the step of advancing, the credit payment may be progressed when final progress of the cash IC card payment is impossible or when the user's approval is obtained by asking the user terminal device whether to proceed with the credit payment.

In the step of proceeding, when the cash IC card payment function is available, in addition to confirming the card identification number, bank account information to which the card is linked may not be confirmed.

In the step of proceeding, the virtual account information of the affiliated store using the payment service is pre-registered, and the cash IC card payment amount can be paid to the affiliated store using the pre-registered virtual account information.

In addition, according to another aspect of the present invention, in a computer-readable recording medium including a program for executing a method of driving a payment management device, the method of driving the payment management device includes: A step of receiving payment information related to payment, and checking the received payment information to determine the type of payment method related to credit or cash IC card payment. As a result of the determination, if a cash IC card payment function is available, the card identification number (BIN) ) A computer-readable recording medium may be provided, characterized in that the step of confirming and proceeding with cash IC card payment is performed.

According to an embodiment of the present invention, various payment methods can be used when processing payments using a kiosk, an ATM, or a POS terminal, so that the user's payment service can be convenient.

In addition, according to an embodiment of the present invention, payment processing is based on cash IC card payment, and if desired, it can be easily converted to credit card payment, making payment very convenient and preventing payment in a way that the customer does not want. You can.

Merchants using the present invention can freely determine the payment method and time of payment, thereby improving settlement convenience and reducing development costs.

1 is a diagram showing a payment management service system according to an embodiment of the present invention.
Figure 2 is a diagram for explaining the conversion of credit card payment before cash IC payment of the payment management device of Figure 1.
FIG. 3 is a diagram illustrating a method of settling an affiliated store payment amount of the payment management device of FIG. 1.
Figure 4 is a block diagram illustrating the detailed structure of the payment management device of Figure 1.
Figure 5 is a flowchart of the payment management service process according to an embodiment of the present invention.
FIG. 6 is a flowchart showing the driving process of the payment management device of FIG. 1.

Specific structural or functional descriptions of the embodiments according to the concept of the present invention disclosed in this specification are merely illustrative for the purpose of explaining the embodiments according to the concept of the present invention, and the embodiments according to the concept of the present invention are It may be implemented in various forms and is not limited to the embodiments described herein.

Since the embodiments according to the concept of the present invention can make various changes and have various forms, the embodiments will be illustrated in the drawings and described in detail in this specification. However, this is not intended to limit the embodiments according to the concept of the present invention to specific disclosed forms, and includes all changes, equivalents, or substitutes included in the spirit and technical scope of the present invention.

Terms such as first or second may be used to describe various components, but the components should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another component, for example, without departing from the scope of rights according to the concept of the present invention, a first component may be named a second component, and similarly The second component may also be named the first component.

When a component is said to be "connected" or "connected" to another component, it is understood that it may be directly connected to or connected to the other component, but that other components may exist in between. It should be. On the other hand, when it is mentioned that a component is “directly connected” or “directly connected” to another component, it should be understood that there are no other components in between. Other expressions that describe the relationship between components, such as "between" and "immediately between" or "neighboring" and "directly adjacent to" should be interpreted similarly.

The terms used in this specification are merely used to describe specific embodiments and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as “comprise” or “have” are intended to designate the presence of implemented features, numbers, steps, operations, components, parts, or combinations thereof, but are not intended to indicate the presence of one or more other features or numbers. It should be understood that this does not preclude the existence or addition of steps, operations, components, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of ordinary skill in the technical field to which the present invention pertains. Terms as defined in commonly used dictionaries should be interpreted as having meanings consistent with the meanings they have in the context of the related technology, and unless clearly defined in this specification, should not be interpreted in an idealized or overly formal sense. No.

In the drawings, the thicknesses of layers and regions are exaggerated for clarity. When a layer is said to be "on" another layer or substrate, or when a layer is said to be bonded or bonded to another layer or substrate, it may be formed directly on the other layer or substrate or may have a third layer between them. This may be involved. Parts indicated with the same reference numbers throughout the specification refer to the same components.

Terms such as top, bottom, upper surface, lower surface, front, rear, or upper and lower are used to distinguish the relative positions of components. For example, for convenience, when the upper part of the drawing is called upper and the lower part of the drawing is called lower, in reality, the upper part can be called lower, and the lower part can be called upper without departing from the scope of the present invention. . Additionally, the components in the drawings are not necessarily drawn to scale, and for example, the size of some components in the drawings may be exaggerated compared to other components to facilitate understanding of the present invention.

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

Figure 1 is a diagram showing a payment management service system according to an embodiment of the present invention, Figure 2 is a diagram illustrating the conversion of credit card payment before cash IC payment of the payment management device of Figure 1, and Figure 3 is a diagram showing the payment of Figure 1 This is a diagram to explain the management device’s payment settlement method for affiliated stores.

As shown in Figure 1, the payment management service system 90 according to an embodiment of the present invention is part of the user terminal device 100, the communication network 110, the payment management device 120, and the financial institution device 130. includes everything.

Here, “including part or all” means that the payment management service system 90 is formed by omitting some components such as the financial institution device 130, or some or all of the components constituting the payment management device 120. It means that all of them can be integrated and configured into a network device (e.g., wireless switching device, etc.) constituting the communication network 110, and it is explained as including all to facilitate a sufficient understanding of the invention.

The user terminal device 100 includes various types of devices in which payment services are performed. The user terminal device 100 may typically include a kiosk, an automatic teller machine (ATM), or a POS terminal device installed at multiple affiliated stores. In addition, it may further include various types of devices through which payment is made, such as an unmanned food ordering machine. The user terminal device 100 preferably includes a payment device, and the payment method is preferably in the form of a card. Of course, electronic payment information and QR codes stored in a USIM such as a smartphone may also be used. For example, payment in the form of NFC (Near Field Communication) is possible by executing payment on a smartphone and bringing it close to the user terminal device 100. Additionally, payment can be made by recognizing the QR code displayed on the user terminal device 100 with a smartphone or by recognizing the QR code displayed on the smartphone.

More specifically, types of payments made through kiosks, ATMs or POS terminals include credit cards, check cards, cash IC cards, mobile cash IC cards, payments through issuing banks, and MS (Magnetic Stripe) transactions such as Samsung Pay. . Here, cash IC card payment is a transaction in which the payment amount is withdrawn from the customer's account, like check card payment. In an embodiment of the present invention, in order to prevent cash IC payments using credit cards and corporate cards, the card BIN (Bank Identification Number) is checked to determine whether cash IC transactions are possible. BIN is the card company's unique number and usually refers to the first 6 digits of the 16-digit card serial number.

The user terminal device 100 connects to the payment management device 120 via the communication network 110 and performs various operations. For example, when a customer requests payment in the user terminal device 100, the user is informed of a request to insert a payment card. When the user inserts the cash IC card, the user terminal device 100 performs an operation for payment using the cash IC card, and when the user inserts the credit card, it performs payment using the credit card. In this process, the user terminal device 100 performs operations such as providing information on the payment amount, determining whether to convert to credit, determining if it exceeds 50,000 won, and entering a password at the request of the payment management device 120. Here, the payment amount information and credit conversion are determined by the payment management device 120, and if it is a cash IC card, the corresponding operation can be performed when the BIN check is completed. Other details will be discussed later.

The communication network 110 includes both wired and wireless communication networks. For example, a wired or wireless Internet network may be used or linked as the communication network 110. Here, the wired network includes an Internet network such as a cable network or public switched telephone network (PSTN), and the wireless communication network includes CDMA, WCDMA, GSM, Evolved Packet Core (EPC), Long Term Evolution (LTE), and Wibro networks. It is meant to include. Of course, the communication network 110 according to an embodiment of the present invention is not limited to this, and can be used in, for example, a cloud computing network in a cloud computing environment, a 5G network, etc. For example, if the communication network 110 is a wired communication network, the access point within the communication network 110 can connect to the telephone company's exchange office, etc., but if it is a wireless communication network, it can connect to the SGSN or GGSN (Gateway GPRS Support Node) operated by the communication company to receive data. Data can be processed by connecting to various repeaters such as BTS (Base Transsive Station), NodeB, and e-NodeB.

Communication network 110 may include an access point. The access point here includes small base stations such as femto or pico base stations that are often installed in buildings. Femto or pico base stations are classified according to the maximum number of user terminal devices 100, etc., that can be connected in the classification of small base stations. Of course, the access point may include a short-distance communication module for performing short-distance communication such as ZigBee and Wi-Fi with the user terminal device 100. Access points can use TCP/IP or RTSP (Real-Time Streaming Protocol) for wireless communication. Here, in addition to Wi-Fi, short-range communication can be performed using various standards such as Bluetooth, Zigbee, infrared, radio frequency (RF) such as Ultra High Frequency (UHF) and Very High Frequency (VHF), and ultra-wideband communication (UWB). Accordingly, the access point can extract the location of the data packet, designate the best communication path for the extracted location, and forward the data packet to the next device, such as the payment management device 120, along the designated communication path. Access points can share multiple lines in a typical network environment and include, for example, routers, repeaters, and repeaters.

When a payment request is made from the user terminal device 100, the payment management device (or Hannet device) 120 determines the type of card based on payment information, and as a result of the determination, if cash IC card payment is possible, such as a cash IC card, , check the BIN and proceed with cash IC card payment. More specifically, the payment management device 120 determines the card type and, if the card does not have only a credit card function, compares the card BIN whitelist and the card's BIN data to determine whether cash IC payment is possible. In this process, the embodiment of the present invention does not determine whether bank account information linked to the card exists. Here, the card BIN whitelist may refer to a list of stored BIN information available for the service. Therefore, when payment information is received, the payment management device 120 determines whether the card is capable of making cash IC card payments, checks the BIN information, and proceeds with the final payment when the BIN is registered. As mentioned earlier, BIN prevents cash IC payments, for example, with credit cards and corporate cards.

Cash IC card payment is a transaction in which the payment amount is withdrawn from the customer's account, like a check card payment. The payment management device 120 checks the card BIN to determine whether cash IC transactions are possible in order to prevent cash IC payments by credit cards and corporate cards. The conditions for cash IC card transactions performed in the payment management device 120 are shown in <Table 1>. Among the contents of <Table 1>, the classification of ‘individual/corporation’ cash IC transactions can be changed depending on the request of the affiliated store.

division Card classification Individual/Corporation issuing bank check credit individual corporation Cash IC participating institutions Non-participating institutions Cash IC card ○ × ○ × ○ ×

In addition, discriminant information for each discrimination standard performed in the payment management device 120 is shown in <Table 2>.

division Cash IC availability Is it possible to distinguish by discriminant value? Card BIN bank code Card classification Credit card individual Impossible possible Impossible Can only be classified as credit, combined use (credit + cash IC), and cash IC corporation Impossible possible Impossible check card individual possible possible Impossible corporation Impossible possible Impossible Cash IC card - possible Impossible Impossible issuing bank - Some not possible Some not possible possible Unable to determine MS transactions (Samsung Pay, etc.) - Impossible Impossible Impossible possible

The payment management device 120 according to an embodiment of the present invention determines whether cash IC card transactions are possible. Based on <Table 2>, cards are classified through the first determination, and the card BIN is checked through the second determination. Through this, only eligible card BINs are processed through the whitelist. The card classification for the first determination can be shown as in <Table 3>.

credit Combined use (credit + cash IC) Cash IC MS (Samsung Pay, etc.) Credit card transaction in progress 2nd determination in progress Cash IC card transaction in progress Credit card transaction in progress

The payment management device 120 checks the card BIN in the secondary determination and proceeds with payment according to the check result, but the cash IC card payment may fail. <Table 4> shows the processing categories in which payment fails. When the cash IC card payment fails, the payment management device 120 determines whether to proceed with the credit card payment or terminate the transaction depending on the reason. In addition, the payment management device 120 proceeds with the credit card transaction if the reason for payment failure is a reason for payment during the credit card transaction, and terminates other transactions.

division credit card transaction Transaction ends note Card reading error ○ - Other computer errors such as line failure ○ - Other agency refusals ○ Accident report, seized account, etc. insufficient balance ○ - Bank system inspection time ○ - Number of password entries exceeded ○ Password mismatch more than 5 times Trading timeout ○ - banking and other disorders ○ Bank system inspection, etc. Password error ○ - Transaction restricted card ○ Cash IC payment function not granted
card

In addition, the payment management device 120 according to an embodiment of the present invention performs a credit card payment conversion operation before cash IC payment, as shown in FIG. 2. In other words, it is determined to be a cash IC card capable card and provides the customer with the option to proceed with credit card payment at his/her discretion before cash IC payment is made (S200 ~ S230). The screens of S209 and S219 are displayed on the display of the user terminal device 100, and related data can be provided by the payment management device 120.

In addition, the payment management device 120 performs an operation to settle the payment amount for the affiliated store, as shown in FIG. 3. By settling the payment amount according to the request of the affiliated store, the convenience of the affiliated store's settlement process can be achieved and additional development costs can be reduced. Figure 3 (a) is the basic cash IC payment service basic deposit method, and shows a lump sum transfer from the deposit bank to the representative account of the affiliated store. Figure 3(b) shows a method of depositing money into a virtual account at each branch of an affiliated store. The branch's payment amount is deposited into a virtual account created at each affiliated branch and then collected into the affiliated store's representative account. Furthermore, (c) in Figure 3 is a method of distributing deposits to each branch to the representative account of the affiliated store. Display the summary of each affiliated store, distribute it, and deposit it into the representative account. The contents of the bankbook can be shown as shown in <Table 5>.

briefs amount Point A 000 won Point B 000 won Point C 000 won ... ...

The financial institution device 130 includes a server or computer, such as a bank or credit card company, that operates in conjunction with the payment management device 120. For example, if the payment management device 120 is a VAN company service device, it may be able to transfer cash from user A's bank account to user B's bank account according to the execution of the payment module. Of course, the same applies to credit card companies. The financial institution device 130 can share transaction information with the payment management device 120, and through this, the payment management device 120 can perform operations such as settling the payment amount excluding fees.

Figure 4 is a block diagram illustrating the detailed structure of the payment management device of Figure 1.

As shown in FIG. 4, the payment management device 120 or the user terminal device 100 of FIG. 1 (hereinafter described as a payment management device) according to an embodiment of the present invention includes a communication interface unit 400 and a control unit. It includes part or all of (410), payment management unit 420, and storage unit 430.

Here, “including part or all” means that the payment management device 120 is configured by omitting some components, such as the storage unit 430, or that some components, such as the payment management unit 420, are configured by the control unit 410. This means that it can be configured by being integrated with other components, such as, and is described as all-inclusive to facilitate a sufficient understanding of the invention.

The communication interface unit 400 communicates with the user terminal device 100 via the communication network of FIG. 1, and in the process of performing communication, modulation/demodulation, muxing/demuxing, encoding/decoding, and scaling to convert resolution are performed. Perform various actions such as: Since this is obvious to those skilled in the art, further explanation is omitted.

The communication interface unit 400 provides screen data as in step S209 of FIG. 2 in accordance with the service request of the user terminal device 100, that is, when a payment request is made, and controls it to be displayed on the screen of the user terminal device 100. can do.

In addition, the communication interface unit 400 can perform various operations under the control of the control unit 410, and a screen such as inputting the payment amount, entering a password, providing payment amount information, and asking for credit conversion is displayed on the user terminal device 100. Make it possible.

The control unit 410 is responsible for the overall control operation of the communication interface unit 400, payment management unit 420, and storage unit 430 of FIG. 4. For example, when a payment request is made from the user terminal device 100, the control unit 410 controls the payment management unit 420 to provide a service screen. Of course, such a service screen may be possible by executing a program stored in the user terminal device 100. Above all, in the embodiment of the present invention, payment information is received when a card is inserted according to a payment request, and the type of payment card is based on this. , and when it is determined that the card can be used for cash IC card payment, the card BIN is checked and cash IC card payment is made. In this process, the control unit 410 may store the received payment information in the storage unit 430 and then retrieve it and provide it to the payment management unit 420.

When payment information including payment information, that is, card identification information, etc., is provided, the payment management unit 420 first determines the type of card based on the information. This may be called primary discrimination in an embodiment of the present invention. Of course, payment information may be in the form of binary bit information, and therefore the type of card is determined by checking specific bit information, that is, by checking the binary bit information of the area (or area) where the type of card can be determined. In the process, if it is determined to be a credit card, the credit card transaction will proceed. In this process, the payment management unit 420 may execute the credit card payment module.

On the other hand, if it is determined to be a check card or cash IC card for cash IC card payment, the payment management unit 420 determines the card BIN one more time. Users' card BIN information can be stored in advance, and for example, BIN information can be acquired through membership registration or partnership and stored in the DB 120a of Figure 1. Therefore, the BIN list is checked and the received information on the list is stored. If there is no card BIN information, the payment management unit 420 proceeds with the credit card transaction.

Of course, the payment management department 420 may inform you of the payment amount during the objection process and ask you to proceed with credit card payment rather than cash IC, and determines whether the amount exceeds 50,000 won when proceeding with cash payment, and if the amount exceeds 50,000 won. The user terminal device 100 is requested to enter a password. Furthermore, the payment management unit 420 can further determine whether the cash IC is normal. This has been explained through <Table 4>. We further determine whether there is a system error, insufficient balance, or a card with transaction restrictions, and if there are no problems, we proceed with the cash IC card payment. On the other hand, if there is an abnormality, the user terminal device 100 is asked whether a credit transaction is made, and when a credit transaction is requested, the credit transaction is processed or a credit card transaction is automatically processed.

The storage unit 430 stores various types of data that are processed under the control of the control unit 410. For example, when card payment information for payment is provided from the user terminal device 100, it can be stored under the control of the control unit 410. Then, the stored information is output again to be provided to the payment management unit 420.

In addition to the above, the communication interface unit 400, control unit 410, payment management unit 420, and storage unit 430 of FIG. 4 can perform various operations, and other details have been sufficiently explained previously, so further explanation is required. should be omitted.

The communication interface unit 400, control unit 410, payment management unit 420, and storage unit 430 of FIG. 4 according to an embodiment of the present invention are composed of hardware modules that are physically separated from each other, but each module is internally Software for performing the above operations may be stored and executed. However, the software is a set of software modules, and each module can be formed of hardware, so there will be no particular limitation on the configuration of software or hardware. For example, the storage unit 430 may be hardware, such as storage or memory. However, since it is possible to store information through software (repository), the above content will not be specifically limited.

Meanwhile, as another embodiment of the present invention, the control unit 410 may include a CPU and memory, and may be formed as a single chip. The CPU includes a control circuit, an arithmetic unit (ALU), an instruction interpretation unit, and a registry, and the memory may include RAM. The control circuit performs control operations, the operation unit performs operations on binary bit information, and the command interpretation unit includes an interpreter or compiler, which can convert high-level language into machine language and machine language into high-level language. , the registry may be involved in software data storage. According to the above configuration, for example, at the beginning of the operation of the payment management device 120, the program stored in the payment management unit 420 is copied, loaded into memory, that is, RAM, and then executed, thereby rapidly increasing the data operation processing speed. You can do it.

Figure 5 is a flowchart of the payment management service process according to an embodiment of the present invention.

As shown in FIG. 5, the user terminal device 100 requests the payment card to be inserted according to the user's request and performs the card insertion (S501 to S503). Of course, during this process, you can switch to credit payment on the screen of the user terminal device 100 (S504).

When, for example, a confirmation button is selected on the user terminal device 100 or a card is inserted, payment information is automatically transmitted to the payment management device 120, and the payment management device 120 primarily determines the payment method, Based on the first determination result, if it is judged to be a check card or cash IC card capable of cash payment, the BIN is checked. If the BIN information of the card you want to pay for is in the pre-stored BIN list, you can proceed with the cash IC card payment (S507, S509).

Even after the secondary determination is completed, the payment management device 120 can switch to a credit card transaction at any time by selecting the button for credit conversion on the screen (S511, S512).

If the cash IC card payment continues, when the payment amount exceeds 50,000 won, the user terminal device 100 receives the password from the customer and checks whether it matches with the financial institution device 130 in FIG.

In addition, during the payment process, if the payment fails by determining a password repetition error, insufficient balance, or a transaction-restricted card, the payment management device 120 automatically proceeds with a credit payment or sends a credit card to the user terminal device 100. It asks whether to proceed with the payment and proceeds with the credit card transaction or terminates the payment accordingly (S513 to S519).

When the cash IC card payment fails, it is possible to decide whether to automatically proceed with the credit payment or ask the customer through the user terminal device 100 whether to proceed and proceed with the credit payment, depending on the merchant's will.

In addition to the above, the user terminal device 100, payment management device 120, and financial institution device 130 of FIG. 5 can perform various operations, and other details have been sufficiently explained previously, so these will be replaced. .

FIG. 6 is a flowchart showing the driving process of the payment management device of FIG. 1.

For convenience of explanation, referring to FIG. 6 together with FIG. 1, the payment management device 120 or the user terminal device 100 (hereinafter described as the payment management device) according to an embodiment of the present invention is a user terminal device where a payment is made. Payment information related to payment is received from (100) (S600). Here, the payment information is provided in the form of binary bit information and has a designated format. Therefore, payment information may include various information such as card BIN information.

In addition, the payment management device 120 determines the type of payment method related to credit or cash IC card payment by checking the received payment information, and as a result of the determination, if there is a cash IC card payment function, it checks the card identification number (BIN). Then proceed with the cash IC card payment (S610). In the process of checking the card's unique number, it is possible to determine whether cash IC card payment service is possible. To this end, pre-stored BIN list information can be checked, or verification can be requested using an external device, such as a financial institution device (130). .

Furthermore, the payment management device 120 stops the cash IC card payment if it determines that the cash IC card payment is a repeated password error or a transaction-restricted card, and automatically proceeds with the credit payment in the process or asks the user whether to proceed with the credit payment. You can proceed with credit payment right away by asking.

In addition to the above, the payment management device 120 of FIG. 1 can perform various operations, and other details have been sufficiently explained previously, so these will be used instead.

So far, for convenience of explanation, the configuration and operation of the payment management device 120 have been described with reference to FIGS. 4 to 6. However, since this may also be the configuration and operation of the user terminal device 100, in an embodiment of the present invention, any It will not be specifically limited to one device. In other words, an IC module that performs an operation according to an embodiment of the present invention may be mounted and operated in the user terminal device 100 or the payment management device 120.

Although preferred embodiments have been shown and described above, the present invention is not limited to the specific embodiments described above, and common knowledge in the technical field to which the invention pertains without departing from the gist of the present invention as claimed in the claims. Of course, various modifications can be made by those who have the same, and these modifications should not be understood individually from the technical idea or perspective of the present invention.

Meanwhile, just because all the components constituting the embodiment of the present invention are described as being combined or operated in combination, the present invention is not necessarily limited to this embodiment. That is, as long as it is within the scope of the purpose of the present invention, all of the components may be operated by selectively combining one or more of them. In addition, although all of the components may be implemented as a single independent hardware, a program module in which some or all of the components are selectively combined to perform some or all of the combined functions in one or more pieces of hardware. It may also be implemented as a computer program having. The codes and code segments that make up the computer program can be easily deduced by a person skilled in the art of the present invention. Such computer programs can be stored in non-transitory computer readable media and read and executed by a computer, thereby implementing embodiments of the present invention.

Here, a non-transitory readable recording medium refers to a medium that stores data semi-permanently and can be read by a device, rather than a medium that stores data for a short period of time, such as a register, cache, or memory. . Specifically, the above-described programs may be stored and provided on non-transitory readable recording media such as CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM, etc.

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

100: User terminal device 110: Communication network
120: Payment management device 130: Financial affairs device
400: Communication interface unit 410: Control unit
420: Payment management department 430: Storage department

Claims (15)

A communication interface unit that receives payment information related to the payment from the user terminal device where the payment is made; and
By checking the received payment information, the type of payment method related to credit or cash IC card payment is determined, and as a result of the determination, if a cash IC card payment function is available, the card identification number (BIN: Bank Identification Number), which represents part of the card serial number ) and a control unit that confirms and proceeds with cash IC card payment;
The control unit proceeds with the cash IC card payment when the card identification number is confirmed in the pre-stored card identification number list, but determines the card type based on the type of payment method and, if it is not a card that only has a credit card function, Compare the list with the card identification number to determine whether cash IC payment is possible, and when the card identification number is confirmed, proceed with the cash IC card payment,
When the card unique number is confirmed, the control unit further determines whether there is a password error, insufficient balance, or transaction suspension, and finally proceeds with the cash IC card payment based on the judgment result,
If final processing of the cash IC card payment is not possible, the control unit automatically converts to a credit payment and proceeds with the payment, or asks the user terminal device whether to proceed with the credit payment, and when the user approves the credit payment, the control unit automatically converts the payment to a credit payment. Automatically converts and proceeds with payment,
When the cash IC card payment function is available, the control unit does not confirm the bank account information to which the card is linked in addition to confirming the card identification number,
The control unit is a payment management device characterized in that, pre-registering virtual account information of an affiliated store using a payment service, and paying the cash IC card payment amount to the affiliated store using the pre-registered virtual account information. According to paragraph 1,
The control unit is a payment management device characterized in that, as a result of determining the type of the payment method, only a credit payment function exists or, in the case of an MS (magnetic stripe) transaction, proceeds to a credit card payment. delete delete delete delete delete Receiving, by the communication interface unit, payment information related to payment from the user terminal device through which payment is made; and
The control unit checks the received payment information and determines the type of payment method related to credit or cash IC card payment, and as a result of the determination, if a cash IC card payment function is available, a card identification number (BIN) indicating a part of the card serial number Confirming and proceeding with cash IC card payment; including,
The steps to proceed are:
When the card identification number is confirmed in the pre-stored card identification number list, proceed with the cash IC card payment, but after determining the card type based on the type of payment method, if it is not a card with only a credit card function, the above list and the above Comparing the card identification number to determine whether cash IC payment is possible, and proceeding with the cash IC card payment when the card identification number is confirmed;
When the card unique number is confirmed, further determining whether there is a password error, insufficient balance, or transaction suspension, and finally proceeding with the cash IC card payment based on the determination result;
If the final payment with the cash IC card is not possible, the payment will be automatically converted to a credit payment, or the payment will be automatically converted to a credit payment when the user's approval is obtained by asking the user's terminal device whether to proceed with the credit payment. proceeding with;
When the cash IC card payment function is available, other than confirming the card identification number, unconfirming bank account information to which the card is linked; and
Pre-registering virtual account information of an affiliated store using the payment service, and paying the cash IC card payment amount to the affiliated store using the pre-registered virtual account information;
A method of operating a payment management device further comprising: According to clause 8,
The steps to proceed are:
A method of driving a payment management device, characterized in that, as a result of determining the type of payment method, only a credit payment function exists or, in the case of an MS (magnetic stripe) transaction, a credit card payment is performed. delete delete delete delete delete In the computer-readable recording medium containing a program for executing a method of driving a payment management device,
The method of operating the payment management device is,
Receiving payment information related to payment from the user terminal device where payment is made; and
By checking the payment information received above, we determine the type of payment method related to credit or cash IC card payment, and if there is a cash IC card payment function as a result of the determination, we check the card identification number (BIN), which represents part of the card serial number. Execute the step of proceeding with cash IC card payment,
The steps to proceed are:
When the card identification number is confirmed in the pre-stored card identification number list, proceed with the cash IC card payment, but after determining the card type based on the type of payment method, if it is not a card with only a credit card function, the above list and the above Comparing the card identification number to determine whether cash IC payment is possible, and proceeding with the cash IC card payment when the card identification number is confirmed;
When the card unique number is confirmed, further determining whether there is a password error, insufficient balance, or transaction suspension, and finally proceeding with the cash IC card payment based on the determination result;
If the final payment with the cash IC card is not possible, the payment will be automatically converted to a credit payment, or the payment will be automatically converted to a credit payment when the user's approval is obtained by asking the user's terminal device whether to proceed with the credit payment. proceeding with;
When the cash IC card payment function is available, other than confirming the card identification number, unconfirming bank account information to which the card is linked; and
Pre-registering virtual account information of an affiliated store using the payment service, and paying the cash IC card payment amount to the affiliated store using the pre-registered virtual account information;
A computer-readable recording medium characterized in that it further executes.