KR20050035461A - Method of service for withdrawing cash in pos terminal - Google Patents

Abstract

The present invention relates to a cash withdrawal service method using a POS terminal for safely providing a cash withdrawal service without space limitation in time, the first step of inputting transaction information for a cash withdrawal service to a POS terminal, and the entered transaction. Encrypting the information and transmitting the encrypted transaction information to a payment gateway; and the payment settlement relay system decrypts the received transaction information and generates and encrypts information for a cash withdrawal service. A third step of transmitting the information to the banking system; and a fourth step of deciding whether to approve by checking the customer account information after decrypting the information for the received cash withdrawal service; If you do, transfer from your client account to the collection account and remind you of the approval The payment settlement relay system and the fifth step of transmitting to the POS terminal, and the payment settlement relay system comprises a sixth step of transferring the cash withdrawal service amount from the collection account to the account holder. According to the configuration as described above, there is an advantage that can safely perform cash withdrawal service without being limited in space and time.

Description

Cash withdrawal service method using POS terminal {Method of Service for Withdrawing Cash in POS Terminal}

The present invention relates to a cash withdrawal service method, and in particular, to use a cash withdrawal service safely without being constrained by time and space by using a money transfer function of a point of sale terminal and a payment gateway. The present invention relates to a cash withdrawal service method using a POS terminal.

In general, a method of withdrawing cash deposited in an account opened in a bank is to visit a bank branch directly or use an ATM (Automated Teller Machine) installed at a bank branch or a major place. have.

In the case of using a bank branch counter, a customer who opens an account can present a bankbook and a stamp / identity card to find cash through the counter staff.

The cash withdrawal method using an ATM is a method of cash withdrawal by having a cash card or a debit card be read to an ATM and then entering a password after inputting a password.

However, in the case of directly using the bank window as described above, it is inconvenient that cash cannot be found outside the bank opening hours, and the number of bank branches is limited, so that a sufficient cash withdrawal service is not performed.

In the case of the cash withdrawal service using the ATM machine, there is an inconvenience in that the ATM machine installation scale is limited, and in particular, the operating time is limited. In addition, from the bank's point of view, in order to increase the number of ATMs and increase the operating time, the cost of equipment purchase and maintenance / maintenance increase.

The present invention was created to solve the above problems of the prior art, the cash withdrawal service method using a POS terminal according to the present invention, by connecting a POS terminal having a communication module to a payment settlement relay system through a data network. The present invention provides a cash withdrawal service method using a POS terminal that can conveniently and safely use a cash withdrawal service without time and space limitations.

The cash withdrawal service method using the POS terminal of the present invention for achieving the above object, the first step that the transaction information for the cash withdrawal service is input to the POS terminal, and the encrypted transaction after encrypting the input transaction information A second step of transmitting information to a payment settlement relay system, a third step of decrypting the received transaction information, generating and encrypting information for a cash withdrawal service, and transmitting the information to a banking system; The banking system decodes the information for the cash withdrawal service received, and then examines the customer account information to determine whether to approve the payment. If the withdrawal is approved, the bank system transfers the transfer from the customer account to the collection account. Performing and transmitting the approval result to the POS terminal through the payment settlement relay system. Step 5, and the payment of the transit system storekeeper account in the pooling account is characterized in that comprises a sixth step of transferring the amount of cash withdrawal services.

In the cash withdrawal service method using the POS terminal of the present invention, after the fifth step is performed, a cash withdrawal service amount receipt confirmation message is input to the POS terminal, and the cash withdrawal service amount receipt confirmation message is received from the POS terminal. The sixth step may be performed after the step of receiving by the payment relay system is further performed.

The cash withdrawal service method using the POS terminal of the present invention is characterized in that the sixth step is performed after the step of displaying the approval result in the POS terminal which has received the approval result after the fifth step is performed.

The cash withdrawal service method using the POS terminal of the present invention is characterized in that the transfer of the cash withdrawal service amount from the collection account to the account holder is performed after a predetermined time elapses after the POS terminal displays the approval result.

The following will be described in detail with reference to the accompanying drawings a preferred embodiment of a cash withdrawal service method using the present invention POS terminal.

1 is a block diagram of a system for implementing a cash withdrawal service using a POS terminal according to an embodiment of the present invention.

As shown in FIG. 1, the configuration of a system for implementing a cash withdrawal service using a POS terminal includes a POS terminal 110, a POS management system 120, a payment settlement relay system 140, and a bank system 150. It includes.

The POS terminal 110 provides a user interface for a cash withdrawal service, and displays whether to approve the cash withdrawal service received from the bank system 150. Each of the plurality of POS terminals 110 is distinguished by a unique POS terminal identification code, and the POS terminal 110 is assigned a separate product code indicating a cash withdrawal service according to the present invention.

The POS management system 120 is connected to the plurality of POS terminals 110 to determine whether the information received from the POS terminal 110 corresponds to a cash withdrawal service, and extracts data corresponding to the cash withdrawal service. The data network 130 is then transmitted to the payment settlement relay system 140 via a dedicated line.

The payment settlement relay system 140 decrypts the information received from the POS terminal 110 through the POS management system 120 to determine whether the received POS terminal identification code is a valid POS terminal identification code, and withdraw cash. Information necessary for the service is encrypted and transmitted to the banking system 150.

In addition, the payment settlement relay system 140 stores the amount transferred from the customer account by the bank system 150 to the collection account of the operator of the payment settlement relay system 140 (hereinafter referred to as an "e-banker"). Transfer to your account.

The 'collect account' refers to an account opened in the name of an electronic banking company for the convenience and safety of the transaction in the process of transferring the cash withdrawal service amount from the customer's account to the accountant's account.

In addition, the term 'customer' refers to a person who wants to withdraw cash using the cash withdrawal service according to the present invention, and the term 'store owner' refers to an owner of a store POS terminal.

In addition, a database is connected to the server of the payment settlement relay system 140 so that the information for the cash withdrawal service including the plurality of POS terminals 110 identification codes and information about the store account are recorded.

The bank system 150 decrypts the information received from the payment settlement relay system 140, and then determines whether the customer account exists, whether the password matches, whether the account balance is equal to or greater than the withdrawal amount required, and the service approval result. And encrypts it again and sends it to the payment settlement relay system 140. In addition, when the bank system 150 approves the cash withdrawal service, funds are transferred from the customer's account to the electronic banking's collection account from the cash withdrawal request amount and the predetermined fee.

In the database connected to the server of the bank system 150, the customer account information and the account information of the electronic financial institution are databased.

The banking system 150 and the payment settlement relay system 140 are connected by a dedicated line.

2 is a detailed block diagram of the POS terminal 110 according to an embodiment of the present invention.

As shown in FIG. 2, the POS terminal 110 according to an exemplary embodiment of the present invention includes a card reader 214, a key button unit 212, a password input unit 213, and a central processor unit (CPU) 210. ), A memory unit 216, a printer unit 218, a display unit 220, and a communication module 222.

The card reader 214 reads the information of the debit card of the customer who wants to use the cash withdrawal service according to the present invention.

The key button unit 212 is a user interface for inputting the account number and the cash withdrawal service amount of the customer account to be withdrawn cash, and has a shortcut function key having a key value corresponding to the cash withdrawal service according to the present invention; have.

The password input unit 213 is a user interface in which a customer can directly input a password, and is implemented by, for example, a personal identification number pad (Pin-Pad).

The CPU 210 is a POS terminal 110 processor for controlling and calculating the overall configuration of the POS terminal 110, and the memory unit 216 stores system programs and data for operating the POS terminal 110. have.

The display unit 220 and the printer unit 218 display or output information processed by the payment settlement relay system 140 or the bank system 150 under the control of the CPU 210.

The communication module 222 is a communication modem for connecting the POS terminal 110 and an external network.

Next, a process of performing a cash withdrawal service using the POS terminal 110 by the above system configuration will be described in detail.

3 is a flowchart for requesting a cash withdrawal service from the POS terminal 110 to the banking system 150 according to an embodiment of the present invention.

First, when a customer communicates his / her desire to receive a cash withdrawal service to a shopkeeper of a store having the POS terminal 110, the shopkeeper uses a shortcut function key provided in the key button unit 212 of the POS terminal 110. Enter the cash withdrawal service mode according to the present invention by using (S310).

When entering the cash withdrawal service mode, the POS terminal 110 displays a command to input the transaction information through the display unit 220.

The transaction information includes customer information, password, cash withdrawal service amount, card number, etc. when using a debit card, and customer account number, cash withdrawal service amount, password, etc. when there is no debit card. do.

The customer information includes, for example, a member code, a card verification code, and the like, and is recorded on a magnetic stripe applied to a debit card.

To input transaction information using a debit card, the debit card is read by the card reader unit 214, a cash withdrawal service amount is input through the key button unit 212, and a password is input through the password input unit 213. This is done by direct input by the customer.

And, when there is no debit card, the transaction information input, the customer enters the customer account number and the cash withdrawal service amount by using the key button of the key button unit 212 and enter the password through the password input unit 213 It is performed (S312).

When the transaction information is input as described above, the POS terminal 110 encrypts the input transaction information and transmits the transaction information to the POS management system 120 together with the POS terminal information (S314). The POS terminal information is coded by a POS terminal identification code.

The POS management system 120 determines whether the commodity code corresponds to the cash withdrawal service based on the received information, and relays the received transaction information through the data network 130, for example, a leased line, when the product code corresponds to the cash withdrawal service. Transfer to the system 140 (S316)

The payment settlement relay system 140 decrypts the received transaction information and store information (S318).

After performing step S318, it is determined whether the POS terminal of the valid retailer is compared by comparing the identification code of the POS terminal received with the identification code of the POS terminal stored in the database (S320).

As a result of the determination in step S320, when the received POS terminal identification code and the POS terminal identification code stored in the database do not match, the POS terminal (POS terminal) receives a rejection signal indicating that the cash withdrawal service cannot be used. 110 to transmit (S330).

As a result of the determination in step S320, when the received POS terminal identification code and the POS terminal identification code stored in the database match and are recognized as valid POS terminals, the transaction information excluding the account password is stored in the database (S322). It generates and encrypts 'information for cash withdrawal service' (customer information, password, e-banker collection account number, cash withdrawal service amount) (S324).

The payment settlement relay system 140 transmits the information for the encrypted cash withdrawal service generated in step S324 to the banking system 150 (S326).

Next, a description will be given of a process in which the bank system 150 receiving the information for the cash withdrawal service transmits a response signal to the POS terminal 110 based on FIG. 4 is a flowchart of a cash withdrawal service response process from the banking system to the POS terminal according to an embodiment of the present invention.

The bank system 150 receiving the information for the cash withdrawal service from the payment settlement relay system 140 decodes the received information (S410).

After performing the step S410, the bank system 150 reads the customer account information stored in the database of the bank system, whether the account of the customer in the received information and whether the password is the same and the account balance of the account It is determined whether the amount of cash withdrawal service is equal to or greater than the amount of cash withdrawal service (S412, S414, S416).

If at least one or more of the steps S412, S414, and S416 are not satisfied, an approval rejection signal is transmitted to the POS terminal 110 (S440). If all conditions are met, a withdrawal request amount and a predetermined fee are satisfied. Transfer the funds from the customer account to the electronic banking collector account (S418).

After performing the step S418, the bank system 150 generates a full text of the approval result and encrypts the generated full text of the approval result and the execution result of the step S418 and transmits the encrypted result to the payment settlement relay system 140 (S420). .

The payment settlement relay system 140 decrypts the received telegram and stores it in a database of the payment settlement relay system 140 (S422), and encrypts the decrypted telegram again through the POS management system 120. It transmits to the POS terminal 110 (S424).

The POS terminal 110 decodes the received approval result text and then displays it on the display unit 220 (S426).

When the store owner confirms the approval result through the POS terminal 110 and pays the approved amount to the customer (S428), the store owner or the customer may set the cash withdrawal service amount through the key button unit 212 of the POS terminal 110. Enter the 'receipt confirmation message' that received safely (S430). The input of the 'receipt confirmation message' is performed by pressing a shortcut function key provided in the key button unit 212.

The POS terminal 110 recognizing the input of the 'receipt confirmation message' transmits a 'receipt confirmation message' to the payment settlement relay system 140. The payment settlement relay system 140 receiving the 'receipt confirmation message' transfers the cash withdrawal service amount from the collection account of the electronic financial institution to the account of the store (S432).

In the step S432, the transfer of the cash withdrawal service amount from the collection account of the electronic financial institution to the account of the store is supposed to be performed when the 'receipt confirmation message' is received, but the present invention is not limited thereto.

That is, after a predetermined time, for example, 10 minutes after the POS terminal 110 displays the approval result, the payment settlement relay system 140 automatically transfers the cash withdrawal service amount from the collection account of the electronic banking company to the account manager. Performing a transfer is also included in the technical gist of the present invention.

In one embodiment of the present invention, a debit card is used to input transaction information for the cash withdrawal service according to the present invention, but the present invention is not limited thereto. For example, a cash withdrawal service may be used using a medium having a cash withdrawal function. In the case of inputting transaction information for, of course, it belongs to the technical scope of the present invention.

The above embodiments of the present invention are merely one embodiment of the technical idea of the present invention, and of course, other modifications are possible within the technical idea of the present invention.

The cash withdrawal service method using the present invention POS terminal performing a cash withdrawal service in the above process has the following effects.

First, there is an effect that the cash withdrawal service can be performed without restriction of time and space by using a POS terminal and a payment settlement relay system permanently provided in a store.

Secondly, the amount of cash withdrawal service of the customer who has been authenticated by the user is immediately transferred from the customer's account to the e-banker's collection account. There is an effect that a quick cash withdrawal service can be performed by the configuration.

Third, when the customer receives the cash withdrawal service, the transfer is performed from the collection account of the electronic banking company to the storekeeper's account only when the 'receipt confirmation message' is received and the 'receipt confirmation message' is received. There is an effect that can perform a secure cash withdrawal service.

1 is a block diagram of a system for implementing a cash withdrawal service using a POS terminal according to an embodiment of the present invention.

FIG. 2 is a block diagram of the POS terminal in FIG. 1.

3 is a flowchart for requesting a cash withdrawal service from a POS terminal to a banking system according to an embodiment of the present invention.

4 is a flowchart of a cash withdrawal service response process to a POS terminal in a banking system according to an embodiment of the present invention.

          Explanation of symbols on the main parts of the drawings

110; POS terminal 120; POS management system

140; Payment settlement relay system 150; Banking system

210; CPU 212; Key button part

213; Password input section 214; Card reader

216; Memory section 218; Printer

220; Display unit 222; Communication module

Claims (4)

A first step of inputting transaction information for a cash withdrawal service into a point of sale terminal; A second step of encrypting the input transaction information and transmitting the encrypted transaction information to a payment gateway; The payment settlement relay system decrypts the received transaction information, generates and encrypts information for a cash withdrawal service, and transmits the generated transaction information to a banking system; The banking system decrypts the information for the received cash withdrawal service, and thereafter querying the customer account information to determine whether to approve; A fifth step of performing a transfer from a customer account to a collection account and transmitting the approval result to the POS terminal through the payment settlement relay system when the withdrawal approval is approved; The payment settlement relay system is a cash withdrawal service method using a POS terminal, characterized in that it comprises a sixth step of transferring the cash withdrawal service amount from the collection account to the account owner. The method of claim 1, wherein after performing the fifth step: Inputting a cash withdrawal service amount receipt confirmation message to the POS terminal; And the sixth step is further performed after the step of receiving the cash withdrawal service amount receipt confirmation message from the POS terminal by the payment settlement relay system. The method of claim 1, wherein after performing the fifth step: And a sixth step is performed after the step of displaying the approval result is further performed at the POS terminal receiving the approval result. The method of claim 3, wherein The transfer of the cash withdrawal service amount of money from the collection account to the account of the shopkeeper, The cash withdrawal service method using the POS terminal, characterized in that performed after a predetermined time elapses after the POS terminal displays the approval result.