KR20020093731A - Settlement agency service method and the system which use the radio settlement terminal - Google Patents

Abstract

PURPOSE: A method and system for supplying a payment agency service using a wireless payment terminal is provided to remove a risk according to cash trade through an agency receipt by supplying various payment units for a client using a wireless payment terminal and to manage a fund smoothly through a rapid money collection. CONSTITUTION: A wireless payment terminal selects and receives a member store code and automatically inputs an agency payer code(S201). The wireless payment terminal receives information of paying-out money and a payment amount of money(S202). The wireless payment terminal creates a payment approval requesting telegram and transmits the telegram to a relay system(S203). The relay system analyzes the received payment approval requesting telegram(S204). A payment business processing request telegram is created by the received member store code and transmitted to a corresponding system(S205). The corresponding system processes a payment business, creates a processing result telegram with respect to the processing result, and transmits the processing result telegram to the relay system(S206). The relay system analyzes the received processing result telegram and searches the corresponding member store code and agency payer code(S207). A payment result telegram is created by the searched member store code and agency payer code and transmitted to the wireless payment terminal(S208). The wireless payment terminal stores and outputs the received payment result telegram(S209).

Description

Settlement agency service method and the system which use the radio settlement terminal}

The present invention relates to a method and system for providing a billing service using a wireless payment terminal, and more particularly, a substitute bill allows a seller to pay a product purchase price to be paid from a customer using a wireless payment terminal. By providing a variety of payment methods for customers by using the terminal, eliminating the risk of cash handling due to receiving the surrogate, facilitates the funds management by rapid collection, and the surrogate accountant has to deliver the payment price of goods to the seller Will be removed.

In general, when a seller who sells a product sells the product to a customer, a caller or a quick service company (hereinafter referred to as a surrogate) handles a service such as delivery or installation of the product, and then the surrogate settlement receives cash from the customer. do.

However, not only has the trouble of having to deliver the cash paid from the customer back to the seller, but also the risk of the loss of cash, cash cutting, theft of the cash, etc. during the cash delivery, and the various payment methods to the customer There was a problem that does not provide.

Accordingly, an object of the present invention is to solve the conventional problems as described above, by providing a variety of payment means of the customer by using a wireless payment terminal, eliminating the risk of cash handling due to proxy storage, with a quick collection The present invention provides a method and system for providing a payment agent service using a wireless payment terminal, which facilitates fund management and eliminates the inconvenience of having to transfer a payment price of a product to a seller.

1 is a flow chart for the membership of the method for providing a billing service using a wireless payment terminal according to the present invention.

2 is a flowchart illustrating a method for providing a billing service using a wireless payment terminal according to the present invention.

Figure 3 is a flow chart for the merchant registration of a method for providing a billing service using a wireless payment terminal according to the present invention.

Figure 4 is a flow chart for checking the proxy payment history of the method of providing a billing service using a wireless payment terminal according to the present invention.

Figure 5 is a flow chart for the registration of the surrogate settlement of the proxy service providing method using the wireless payment terminal according to the present invention.

Figure 6a to 6c is a flow chart for the collection of payment of the method for providing a billing service using a wireless payment terminal according to the present invention.

7 is a block diagram of a payment agent service providing system using a wireless payment terminal according to the present invention.

8 is a block diagram of a wireless payment terminal of the payment agent service providing system using the wireless payment terminal according to the present invention.

Explanation of symbols on the main parts of the drawings

1: wireless payment terminal 2: financial terminal

3: relay system 4: bank system

5: credit card system 6: issuer server

11 processing unit 12 input unit

13 output unit 14 transceiver unit

15: storage unit 31: relay server

41: bank server 51: credit card server

121: key input device 122: M / S reader

123: RF receiver 124: IC card reader

131: display device 132: printer

141: wireless transmission and reception device 241: wireless transmission and reception device

242: wired transmission and reception device 311: DB storage unit

Method for providing a billing service using a wireless payment terminal according to the present invention for achieving the above object, the wireless payment terminal after receiving the merchant code selected by the wireless payment terminal, the wireless payment terminal withdrawal Receiving information of a currency and a payment amount, generating and transmitting a payment approval request message to a relay system, analyzing the payment approval request message received by the relay system, and receiving the received payment message. Generating a payment service processing request message according to the affiliated merchant code and transmitting the generated payment message to the corresponding system, and after the system processes the payment service, generates a processing result message for the processing result and transmits it to the relay system; Analyze the entire transaction result received by the relay system to check the affiliated store code and the proxy settlement code. And a step of generating a full payment result by the searched affiliated store code and the surrogate biller code and transmitting it to a wireless payment terminal, and storing and outputting the received payment result text by the wireless payment terminal. It features.

In addition, a method for providing a billing service using a wireless payment terminal according to the present invention for achieving the above object, receiving the merchant information from the financial terminal to register as a member of the merchant and give a unique code to the merchant, and from the wireless payment terminal Receiving the surrogate billing information and assigning a surrogate bill unique code, transmitting a list of merchant codes according to the request of the wireless payment terminal and the step of downloading and storing the merchant code list by the wireless payment terminal; It is characterized by including.

In addition, the payment agent service providing system using a wireless payment terminal according to the present invention for achieving the above object, the merchant code and the surrogate biller code is linked and stored, and input payment information such as payment amount, withdrawal money information, password Receiving wireless payment terminal, merchant code and agent code is linked and stored, the relay system for receiving and analyzing payment information from the wireless payment terminal and transmits the business request message to the relevant system, and bank-related business from the relay system A banking system for receiving and processing the processing request information of the bank and transmitting the result to the relay system, and a credit card system for receiving and processing the processing request information of credit card related work from the relay system and transmitting the result to the relay system; Processing request information of withdrawal money from the relay system Receive receive and process characterized by consisting of the result to the financial terminal to check and request that the payment information to the issuer server and the relay system to be transmitted to the relay system.

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

1 is a flowchart illustrating the membership of a payment agency service providing method using a wireless payment terminal according to the present invention. When a seller inputs merchant information to a financial terminal in order to apply for registration of a merchant, the financial terminal inputs merchant information. It is transmitted to the relay system, the relay system receives the merchant information from the financial terminal registers as a member of the merchant and gives a merchant unique code for financial transactions (S101).

And, if the surrogate settlementr who handles the service, such as delivery or installation of the goods requested by the seller enters surrogate information to the wireless settlement terminal to apply for the surrogate registration, the wireless settlement terminal inputs the surrogate settlement The user information is transmitted to the relay system, and the relay system receives the surrogate payment information from the wireless payment terminal and gives the surrogate payment unique code (S102).

When the surrogate biller requests a list of merchant codes using a wireless payment terminal, the relay system transmits a list of merchant code to a wireless payment terminal according to a request of the wireless payment terminal (S103), and the wireless payment terminal lists a merchant code list. Download and store (S104).

2 is a flowchart illustrating a method for providing a payment agent service using a wireless payment terminal according to the present invention. After the agent pays and installs a product to a customer who purchased the product from a seller, the payment agent purchases a product purchase price from the customer. If the merchant code of the merchant is selected among the merchant code displayed on the wireless payment terminal, the wireless payment terminal automatically inputs the stored proxy code (S201).

Then, if the information and payment amount of the withdrawal money for payment of the goods purchase price is input (S202), the wireless payment terminal, along with the inputted withdrawal money information and payment amount, from the merchant code and the proxy settlement code It generates and transmits to the relay system (S203).

Here, the withdrawal money refers to credit cards, cash cards, prepaid cards, and the like.

The relay system analyzes the received payment approval request text (S204), generates a payment service processing request text based on payment information such as the merchant code, withdrawal money information, and payment amount, and transmits it to the corresponding system (S205). do.

At this time, the transfer to the system (S205) is transferred to the banking system (S205), if the payment service is a banking business, and transfers to the credit card system (S205), credit card or prepaid card, etc. If the work is sent to the server of the withdrawal money issuer (S205), it is possible to configure a variety of systems as needed.

The system receives and analyzes the received payment service processing request message and processes the payment service, and generates a processing result text for the processing result and transmits it to the relay system (S206).

The relay system analyzes the received transaction result text to search for the corresponding affiliate store code and proxy bill (S207), and generates a payment result text based on the found merchant code and proxy bill and transmits the result to a wireless payment terminal. (S208).

The wireless payment terminal analyzes the received payment result text and stores it in the corresponding DB, and outputs the payment result text using a screen or a printer (S209).

3 is a flow chart of the merchant registration of the payment agent service providing method using the wireless payment terminal according to the present invention, when the seller applies for merchant registration by entering the merchant information through a financial terminal or the Internet (S301), the entered information After registering the affiliated store (S302) by giving a ben ID to the merchant (S303) and stores the merchant information and Ben ID in the DB (S304).

At this time, if the seller is required to pay the financial terminal (S305), and stores the merchant code in the financial terminal to be paid (S306) and then pays, check the payment of the financial terminal (S307), and do not pay the financial terminal to the seller. If it is not necessary (S305) and transmits the merchant code to the financial terminal (S308) the financial terminal stores the received merchant code (S309).

Figure 4 is a flow chart for checking the proxy payment history of the method of providing a proxy service payment service using a wireless payment terminal according to the present invention, when the seller requests a proxy payment history confirmation through the financial terminal (S401), the financial terminal is a request message Generate (S402) and transmit to the relay server, the relay server analyzes the received request message, retrieves the payment details according to the merchant code (S403), and transmits the retrieved payment details to the financial terminal requesting (S404). The financial terminal outputs the received payment (S405).

In this case, the relay server may transmit the product payment history to the financial terminal possessed by the seller every certain period of time, or may transmit the payment history in real time at the request of the financial terminal, and the transmission of the payment history is wireless transmission and reception of the financial terminal. Wired and wireless transmission is possible through a device or a wired transmission / reception device.

FIG. 5 is a flowchart illustrating registration of a surrogate settlement agent in a method for providing a settlement service using a wireless settlement terminal according to the present invention, and an agent (a surrogate settlement agent) who handles a service work such as delivery or installation of a product requested by a seller When entering the billing information and applying for proxy settlement (S501), and registers the surrogate by the entered information (S502), and then the surrogate settlement code for the surrogate payment to give the surrogate (S503) And the surrogate biller code is stored in the DB (S504).

At this time, when the wireless payment terminal should be paid to the surrogate (S505), the surrogate payment code is stored in the wireless payment terminal to be paid (S506) and then paid, and the payment of the wireless payment terminal is confirmed (S507), When it is not necessary to pay the wireless payment terminal to the surrogate (S505) and transmits the surrogate payment code to the wireless payment terminal (S508), the wireless payment terminal stores the received surrogate payment code (S509).

In addition, the wireless payment terminal selects whether to download the affiliated store code list (S510), when the affiliated store code list is required, downloads the affiliated store code list from the relay server (S511) and stores it in the DB (S512).

6a to 6c is a flow chart for the collection of payments in the payment agent service providing method using a wireless payment terminal according to the present invention, after the agent delivers the goods to the customer who purchased the goods from the seller and installed the goods from the customer In order to pay for the purchase price, when the payment is selected (S601), the merchant code is selected or not (S602) to enter the merchant code to the wireless payment terminal (S603), or among the merchant code listed in the wireless payment terminal of the merchant A code is selected (S604), and the wireless payment terminal automatically inputs a code of the surrogate after inputting or selecting an affiliate store code (S605).

At this time, the code selection of the affiliated store (S604) may be made to select the affiliated store name linked to the affiliated store code.

When the withdrawal currency for payment is a credit card (S606), the payment information such as credit card information and payment amount is input to the wireless payment terminal (607), and the wireless payment terminal requests transaction approval based on the input payment information. Create a full text (S608).

At this time, the transaction approval request text includes credit card information and payment amount, along with a merchant code and a proxy bill.

The transaction approval request message is transmitted to the credit card issuing institution through the credit card joint network (S609), and the credit card issuer analyzes the received request message and processes the corresponding task (S610), and then, according to the transaction approval. Generate a full text of the processing result (S611) and transmit it to the wireless payment terminal (S612), the wireless payment terminal receives the full text of the processing result (S613) and stores the full text of the processing result in a DB (S614), and then outputs the processing result. (S615) and print the receipt (S616).

If the withdrawal currency is not a credit card (S606), select the type of withdrawal currency (S618) to execute the input function (S619), and then enter the payment amount and password (S620), the wireless payment terminal accounts Generate a full transfer request (S621).

At this time, when the withdrawal money is a cash card (S622), the bank transfer of the customer (S629) from the customer's bank account to the bank account of the merchant according to the merchant code input to the wireless payment terminal, the processing result according to the processing result After receiving the full text (S630) and storing in the DB (S631), and outputs the processing result (S632) and prints the receipt (S633).

If the withdrawal money is not a cash card (S622), check whether the withdrawal money is built-in (S623) and if the withdrawal money is withheld (S624), change the information of the withdrawal money (S625). The settlement information is prepared (S626).

After the settlement information (S626) or if the withdrawal money is not embedded (S623), the account transfer (S627) to the bank account of the merchant according to the merchant code entered in the bank account of the withdrawal money issuer, and the processing result Receive the full text (S628).

If the withdrawal currency is built-in (S635), the built-in withdrawal currency is settled (S636), if it is a prepaid card (S637), the prepaid card DB is changed (S638), and if it is a gift certificate card (S639), the gift card card DB is changed (S640). In the case of an online virtual account (S641), after changing the online virtual account DB (S642), the DB change completion message is transmitted (S643).

The wireless payment terminal receives the DB change completion message (S644) and stores it in the DB together with the processing result text (S645), then outputs the processing result (S646) and prints the receipt (S647).

The transmitted and received messages are analyzed and controlled by the relay server, and stored in the corresponding DB in the relay server according to the type of the message. The wireless payment terminal receives FIFO (First Input First Output) method for brief information such as transaction time and merchant code. You can also save it as

7 is a block diagram of a payment agent service providing system using a wireless payment terminal according to the present invention, after the agent delivers and installs the product to the customer who purchased the product from the seller, and paying the product purchase price from the customer In order to input payment information using the wireless payment terminal 1, the input payment information is transmitted to the relay server 31 of the relay system 3 through the wireless transmission and reception device 141.

The relay server 31 analyzes the received payment information and stores it in the DB storage unit 311. When the request for the payment information including the affiliated store code of the analyzed payment information is a banking service, the banking system 4 Transfer to the bank server (41) of the credit card, if the credit card business transfer to the credit card server 51 of the credit card system (5), except for credit card business (cash card, prepaid card, gift certificate card, online virtual) Account, etc.) to the issuer server (6).

Here, the bank system 4 includes a bank common network, and the credit card system 5 includes a credit card common network.

The banking system 4, the credit card system 5 or the issuing agency server 6 processes the received request task and transmits the result to the relay server 31 of the relay system 3, wherein the relay server ( 31 analyzes the received processing result and stores the result in the DB storage unit 311 and transmits the result to the wireless transmission / reception device 141 of the wireless payment terminal 1.

In addition, the DB storage unit 311 stores the affiliated store code and surrogate biller code.

FIG. 8 is a block diagram of a wireless payment terminal of a payment agent service providing system using a wireless payment terminal according to the present invention. After input through the S reader 122, RF receiving device 123 or IC card reader 124, etc., the payment amount and password are input through the key input device 121, and the key input device ( It is also possible to enter the merchant code through 121).

The processor 11 analyzes the information inputted to the input unit 12 and converts the data into communicable data including an affiliated store code and a surrogate biller code and relays the data through the wireless transmission / reception device 141 of the transceiver unit 14. (3), the business process result data received from the relay system (3) is received by the wireless transmitting and receiving device 141 of the transmitting and receiving unit 14 and transmitted to the processing unit (11).

The processing unit 11 analyzes the received business process results and displays them on the screen display device 131 of the output unit 13 or outputs them to the printer 132, and data transmitted and received through the transmission and reception unit 14 is stored. It can be stored in the unit 15 and used as statistical data.

The present invention may be modified in various ways without departing from the basic concept according to the needs of those skilled in the art.

As described above, according to the present invention, by providing a variety of payment convenience in the payment method between the customer and the surrogate through the wireless payment terminal to facilitate the money management by rapid collection, and to improve the quality of service for the surrogate and seller By maintaining a stable business relationship, the agent does not have to transfer the cash to the seller after the receipt, and eliminates the risk of handling the cash through the receipt.

Claims (4)

After the wireless payment terminal receives the merchant code selection step of automatically entering the surrogate biller code (S201), Receiving, by the wireless payment terminal, information of a withdrawal money and a payment amount (S202); Generating, by the wireless payment terminal, a payment approval request message and transmitting it to a relay system (S203); Analyzing the received payment approval request message received by the relay system (S204); Generating the payment service processing request message in accordance with the received merchant code and transmitting it to the corresponding system (S205); After the corresponding system processes the payment service to generate a full text of the processing result for the processing result and transmits to the relay system (S206), Analyzing the full text of the received processing result received by the relay system and searching for a corresponding merchant code and proxy bill (S207); Generating the full text of a payment result based on the searched merchant code and the surrogate biller code and transmitting it to a wireless payment terminal (S208); Method for providing a billing service using a wireless payment terminal, characterized in that consisting of the step of storing and outputting the full payment result received by the wireless payment terminal (S209). The method of claim 1, Receiving the merchant information from the financial terminal and registering as a member of the merchant and granting a merchant unique code (S101); Receiving the surrogate biller information from the wireless payment terminal to give a surrogate bill unique code (S102), Transmitting a merchant code list according to a request of the wireless payment terminal (S103); And the wireless payment terminal downloading and storing the merchant code list (S104). A wireless payment terminal (1) that stores and stores merchant code and agent billing code linked and receives payment information such as payment amount, withdrawal money information and password, Merchant store code and surrogate biller code is linked and stored, the relay system (3) for receiving and analyzing the payment information from the wireless payment terminal (1) and transmits the full work request to the system; A banking system 4 for receiving and processing the processing request information of the bank-related business from the relaying system 3 and transmitting the result to the relaying system 3; A credit card system 5 which receives and processes the processing request information of credit card related work from the relay system 3 and transmits the result to the relay system 3; An issuing agency server 6 which receives and processes the processing request information of the withdrawal currency settlement business from the relay system 3 and transmits the result to the relay system 3; System for providing a billing service using a wireless payment terminal, characterized in that consisting of a financial terminal (2) for requesting and confirming payment information to the relay system (3). The method of claim 3, wherein The wireless payment terminal 1, An input unit 12 for inputting merchant code, payment amount, password and withdrawal money according to the type thereof; An output unit 13 which shows a result of the business process; A processing unit 11 for analyzing the information inputted to the input unit 12 and converting the data into communicable data including an affiliated store code and a surrogate biller code or analyzing the business process result and transmitting the result to the output unit 13; Transmitting and receiving unit 14 for transmitting the data converted by the processing unit 11 or transmits the received data to the processing unit 11 and Merchant code and surrogate biller code is linked and stored and the payment agent service providing system using a wireless payment terminal, characterized in that consisting of a storage unit 15 for storing the information analyzed by the processing unit (11).