KR20060096978A - Terminal for providing the donation connected with payment means, system, method and recording medium - Google Patents

Abstract

The present invention relates to a terminal device for providing a payment means linked donation and a method and system for providing a payment means linked donation using the same. When obtaining a donation target for a predetermined donation destination or donor from a client using a payment means, Providing donation consent information of the client to the donation destination or donor to the server at a payment terminal; and donation agreement information provided by the payment terminal at the server to customer information and / or payment means information of the client; And storing the data in a predetermined storage medium by the associated processing.

Donation, Donation Target

Description

 Terminal device and recording medium for providing donation associated payment method and method and system for providing donation connected payment method using same {Terminal for Providing The Donation Connected with Payment Means, System, Method and Recording Medium}

1 is a simplified block diagram of a system according to a preferred embodiment of the present invention.

2 is a functional configuration diagram of a terminal device according to a preferred embodiment of the present invention.

3 is a diagram illustrating a simple payment terminal for a preferred embodiment of the present invention.

4 is a simple flowchart of a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: payment unit

110: storage unit 115: confirmation unit

120: providing unit 125: calculating unit

130: storage medium 135: payment terminal (device)

140: payment client

The present invention provides a payment means linked donation that provides donation consent information of the client to the donation destination or donation target to a server when obtaining a donation agreement for a predetermined donation destination or donation target from a payment means using client. Payment method linked donation providing method and system for storing the donation agreement information provided by the payment terminal device in association with the customer information and / or payment means information of the client to a predetermined storage medium using a terminal device for the storage device; It is about.

Increasingly, the rich and poor are becoming more and more important issues in the society. As a result, it is clear that support and distribution of wealth should be provided to the vulnerable without compromising the economic system and growth potential.

As an alternative to this, the donation culture has recently been activated. This donation culture has been led by corporations, governments, and civic groups, but it is desirable to induce regular donor participation to spread to a wider range.

In order to induce the participation of such individual opener, there have recently been a case of donating (or sponsoring) a predetermined amount by making a phone call while watching TV at home through the ARS or the like, but this has been a problem that the event character is strong until now.

In addition, recently, card companies are trying to expand the individual donors by issuing a donation card dedicated to donation, but this is a situation that does not produce more active and active donors by setting a predetermined donation conditions.

An object of the present invention to solve the above problems is to obtain a donation agreement for a predetermined donation destination or donation target from a client using a payment method, the server to the donation destination or donation target of the client to the donation destination to the server The present invention provides a terminal device for providing a donation-related donation providing information.

In addition, another object of the present invention, the payment means linked donation providing method for storing the donation agreement information provided by the payment terminal device in connection with the customer information and / or payment means information of the client in a predetermined storage medium. And providing a system.

In order to achieve the above object, the present invention obtains a donation agreement for a predetermined donation destination or donor from a client using a payment means, and provides donation information of the client to the donation destination or donor to a server from a payment terminal. And providing, by the server, the donation agreement information provided by the payment terminal in association with the client information and / or payment means information of the client and storing the donation agreement information in a predetermined storage medium.

The present invention may further include calculating a donation (or donation point) donated by the client and the calculated donation (or donation point) information based on the donation agreement information provided by the payment terminal in the server. And storing in a predetermined storage medium in association with the customer information and / or payment method information and / or donation destination (or donation target) information of the.

The present invention may further include calculating a donation (or donation point) donated by the client and donating the calculated donation (or donation point) based on the donation agreement information provided by the payment terminal in the server. (Or donation subject) may be configured to further include providing.

In addition, the present invention may further comprise the step of storing in a predetermined storage medium by processing the association agreement information provided by the payment terminal in connection with the donation target information or donation target information in the server.

In addition, the present invention is a merchant (or payment terminal) in which the payment terminal is located in the server to the predetermined donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target). It may further comprise the step of providing.

The present invention may further include storing at least one or more donation target information (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target) in a predetermined memory at the payment terminal. Can be.

In addition, the present invention comprises the steps of storing at least one or more donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target) in a predetermined memory in the payment terminal and the payment terminal And outputting and providing the client with a predetermined code corresponding to the at least one donation target (or donor target) information and / or donation target (or donor target) previously stored in the memory. have.

The present invention may further include storing at least one donation target (or donor target) information and / or a predetermined code corresponding to a donation target (or donor target) in a predetermined memory at the payment terminal, and performing the payment. Outputting and providing a predetermined code corresponding to the at least one donation target (or donation target) information and / or donation target (or donation target) previously stored in the memory to the client and the payment terminal Receiving the selection information when the client selects at least one of the at least one donation target (or donation target) and / or a predetermined code corresponding to the donation target (or donation target). It can be configured to include.

The present invention may further include outputting the donation providing details in the payment terminal.

According to a preferred embodiment of the present invention, the step of providing the donation target information of the client to the donation destination or the donation target from the payment terminal to the server, the donation destination (or donation) selected by the client in the payment terminal The method may further include providing, to the server, predetermined donation condition information including subject) information and / or donation amount (or point) information.

The providing of the client's donation consent information to the donation target or the donation target from the payment terminal to the server may be performed by the payment terminal when the client selects a donation target (or donation target). A predetermined code corresponding to the wound (or donor) may be generated or extracted from a predetermined memory and provided to the server.

The providing of the client's donation consent information to the donation destination or the donor to the server from the payment terminal may generate a predetermined payment approval request full text including the donation consent information of the client at the payment terminal. And transmitting a predetermined payment approval request text including the donation agreement information to the server.

The providing of the client's donation consent information to the donation target or the donor to the server may be performed by the payment terminal when the client selects the donation target (or the donor). Generating a predetermined payment approval request text including donation consent information and selected donation target (or donor) information (or code); and the donation information and selected donation target (or donor) information (or code) May include transmitting a predetermined payment approval request message including the full message to the server.

According to a preferred embodiment of the present invention, the step of storing the donation agreement information provided by the payment terminal in connection with the customer information and / or payment means information of the client in a predetermined storage medium in the server, the payment terminal In the case of providing the donation agreement information in the payment approval request full text, may further comprise the step of extracting the predetermined donation consent information from the payment approval request full text.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a system diagram according to a preferred embodiment of the present invention.

Referring to Figure 1, according to a preferred embodiment of the present invention payment system linked donation providing system for providing a predetermined donation, the server 100 (for example, a financial server including a card company, etc.) and a predetermined network ( For example, it is connected to a payment network) and installed in a predetermined affiliate store, and generates a payment approval request message including donation agreement information and payment method usage information obtained from the payment client 140 and transmits it to the server 100. A donation to a predetermined donation destination or a donation target according to the payment terminal 135 (eg, POS terminal, ATM, KIOSK, etc.) and predetermined donation agreement information included in the payment approval request message transmitted from the payment terminal 135. It characterized in that it comprises a server 100 for performing the process.

Here, the server 100 is characterized in that it comprises a financial company server, including a card company server, and / or a bank server, and at least one server server, VAN company server.

The payment means may include at least a credit card payment means, a financial account payment means, a debit card payment means, a prepaid card payment means, a check card payment means, an electronic money payment means, and a mobile (or wireless) payment means. Characterized in that it comprises one or more.

Preferably, the server 100 is a payment unit 105 for performing the payment processing according to the payment approval request message transmitted from the payment terminal 135 through a payment network, and the payment client included in the payment approval request message A check unit 115 and a check unit 115 to determine whether to donate to a predetermined donation destination or a donation target according to the payment details included in the payment approval request text, by checking the donation consent information of the 140; When it is determined whether to donate to a predetermined donation destination or a donation target according to the payment details included in the payment approval request message transmitted from the payment terminal 135 by the predetermined information, the storage details for the donation according to the payment details are stored in the storage medium 130. Storage unit for storing in association with the payment client 140 information and / or payment method information and / or merchant (or payment terminal 135) information and / or donation destination or donation target information) It may be configured with (110).

The server 100 may further include a calculator 125 that calculates a donation (or donation point) contributed by the client 140 based on the donation agreement information provided by the payment terminal 135. In this case, the calculated donation (or donation point) information is the customer information and / or payment means information and / or donation destination (or donation target) information of the client 140 through the storage unit 110 It can be stored in the predetermined storage medium 130 in association with.

In addition, the calculator 125 may calculate a donation (or donation point) donated by the client 140 based on the donation agreement information provided by the payment terminal 135, and at this time, the server 100 may further include a providing unit 120 that provides the calculated donation (or donation point) to a donation target (or donation target).

Here, the calculated donation (or donation point) is a donation (or donation point) provided by the affiliated store where the payment server 100 is located, and / or a point previously generated in response to the client 140 means of payment. Or, and / or a donation that is processed through a payment means of the client 140, and / or a point generated corresponding to the payment amount processed through the client 140 payment means. It is done.

In addition, the storage unit 110 of the server 100 may process the donation agreement information provided by the payment terminal 135 in association with donation target information or donation target information and store it in a predetermined storage medium 130. .

In addition, the providing unit 120 of the server 100 is a merchant (or payment terminal 135) in which the payment terminal 135 is located, predetermined donation destination (or donation target) information and / or donation destination. It may provide a predetermined code corresponding to (or donor).

In addition, the confirmation unit 115 may check the predetermined donation agreement information from the full payment approval request when the payment terminal 135 includes the donation agreement information included in the payment approval request.

Here, the donation agreement information of the client 140 may be made of a predetermined code.

In addition, the server 100, payment history information of the payment client 140, payment client 140 information and / or card information and / or merchant (or payment terminal 135) information associated with the payment history information; And / or a predetermined storage medium 130 including donation destination or donation information.

In addition, the storage medium 130 may further include donation condition information stored in association with the donation destination or donation target information and / or the affiliate store (or payment terminal 135) information.

For example, the donation condition information stored in the storage medium 130 may include at least one donation agreement information for a predetermined donation destination or a donation target, and / or related donation object related information, etc. previously signed with a particular merchant. It is characterized by.

Preferably, the server 100 shown in Figure 1 is characterized in that it comprises a predetermined recording medium for implementing the payment means linked donation providing function according to the present invention.

The recording medium may include a financial company server 100 including a card company server 100 and / or a bank server 100, a mobile communication company server 100 and a VAN company server 100. It may be located on the server 100 on the top, and the donation agreement information of the client 140 in the payment terminal 135 obtained a donation agreement for a predetermined donation destination or donation target from the payment method using the client 140 Or a code), and a function of receiving the same and donation agreement information (or code) provided by the payment terminal 135 in association with the client information and / or payment means information of the client 140 and storing the predetermined information. A program for realizing a function of storing on the medium 130 is recorded.

In addition, the program recorded on the recording medium has a function of calculating a donation (or donation point) donated by the client 140 based on the donation agreement information (or code) provided by the payment terminal 135; The calculated donation (or donation point) information is stored in a predetermined storage medium 130 in association with the client information and / or payment means information and / or donation destination (or donation target) information of the client 140. It is characterized by further realizing the function.

In addition, the program calculates a donation (or donation point) contributed by the client 140 based on the donation agreement information (or code) provided by the payment terminal 135 and the calculated donation (or And a function of providing a donation point) to a donation target (or donation target).

In addition, the program further implements the function of storing the donation agreement information (or code) provided by the payment terminal 135 in association with the donation target information or the donor information and store in a predetermined storage medium 130. It features.

In addition, the program is a merchant (or payment terminal 135) in which the payment terminal 135 is located. The predetermined donation destination (or donation target) information and / or a donation destination (or donation target) corresponding to the predetermined information It is characterized by further realizing the function of providing the code of.

In addition, the program includes a function of confirming predetermined donation agreement information (or code) from the payment approval request text when the payment terminal 135 includes donation consent information (or code) included in the payment approval request text. It is characterized by further realization.

Referring to FIG. 1, the payment terminal 135 of the payment method linked donation providing system includes at least one of a credit card payment terminal 135, a wireless payment terminal 135, a POS terminal, an ATM, and a KIOSK. It may be characterized by having a predetermined memory for storing at least one or more donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target).

In addition, the payment terminal 135 is a predetermined memory for storing at least one or more donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target) and the client 140 And an information providing unit 120 outputting a predetermined code corresponding to the at least one donation target (or donation target) information and / or the donation target (or donation target) previously stored in the memory. Can be.

In addition, the payment terminal 135 is a predetermined memory for storing at least one or more donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target), and the client 140 Information providing unit 120 for outputting and providing a predetermined code corresponding to the at least one donation target (or donation target) information and / or the donation target (or donation target) previously stored in the memory. When the client 140 selects at least one or more of a predetermined code corresponding to the at least one or more donation target (or donation target) and / or a donation target (or donation target), the server 100 sends the selection information to the server 100. It may further include a transmission unit for transmitting to.

In addition, the payment terminal 135 may include a print output unit for outputting the donation details.

Preferably, the payment terminal 135, when the client 140 selects the donation target (or donation target) and / or donation amount (or points), the donation target (or donation target) and / or donation amount Predetermined donation condition information including (or point) information may be further provided to the server 100.

In addition, when the client 140 selects a donation target (or donation target), the payment terminal 135 generates or extracts a predetermined code corresponding to the donation target (or donation target) from a predetermined memory. It may be provided to the server 100.

In addition, the payment terminal 135 is a server for generating a predetermined payment approval request message containing the donation agreement information of the client 140 and the predetermined payment approval request message containing the donation agreement information to the server ( 100 may be provided with a transmission unit for transmitting.

In addition, the payment terminal 135, when the client 140 selects the donation target (or donation target), the donation target information and the selected donation target (or donation target) information (or code) of the client 140 A generation unit for generating a predetermined payment approval request text including a predetermined payment approval request text including the donation agreement information and the selected donation target (or donation target) information (or code) to the server 100. It may be provided with a transmission unit for transmitting.

Hereinafter, the functional configuration of the payment terminal 135 will be described in more detail with reference to FIG. 2.

2 is a functional configuration diagram of a terminal device according to a preferred embodiment of the present invention.

According to a preferred embodiment of the present invention, a terminal including a terminal (eg, a credit card payment terminal 135, a wireless payment terminal 135, a payment terminal 135, such as a POS terminal, ATM, KIOSK, etc.) The device includes a control unit 200, a memory unit 250, a card reader unit 245, a screen output unit 225, a key input unit 230, a transaction communication unit 240, a print output unit 235, and a payment terminal ( 135 may include a power supply unit for supplying power, and when obtaining a donation agreement for a predetermined donation destination or donation target from the payment means using client 140, the donation consent information (or code) is obtained. Characterized in that the transmission to the server 100 on the network.

Referring to FIG. 2, the controller 200 controls the overall operation of the payment terminal 135 according to a function configuration (for example, when the client 140 agrees, and transmits the donation agreement information (or code) to the server 100 on the network). Control the transmission to the donor, when the client 140 selects a donation target (or donor) and / or a donation amount (or point), the donation target (or donor) and / or a donation amount (or point) Control the transmission of predetermined donation condition information including information) to the server 100), and manage the flow of information or data between each component, and the payment means of the client 140 and payment of the payment means. It characterized in that for controlling at least one or more components provided in the payment terminal 135 for processing a donation to a predetermined donation destination or donation target associated with.

Preferably, the controller 200 is a hardware bus that inputs and outputs at least one or more processors including an Central Processing Unit (CPU) / MPU (Micro Processing Unit), an execution memory (for example, a register), and predetermined data. (BUS) and at least one electronic circuit (or integrated circuit) therefor.

In addition, the control unit 200 shown in Figure 2 is characterized in that it comprises a predetermined electronic functional components for the processing of the donation to a predetermined donation destination or donation object associated with the card payment in accordance with the present invention.

In addition, the control unit 200 is loaded from the predetermined recording medium included in the payment terminal 135 into the execution memory and performed by the processor to perform a software-specific function. Characterized in that it comprises a program routine (Routine) and / or program data. The control unit 200 may include a predetermined operating system and / or a terminal control program routine for managing the payment terminal 135 after the payment terminal 135 is booted by software.

In more detail, the control unit 200 of the payment terminal 135 loads the predetermined donation target information in the memory when the client 140 pays the screen, and displays the screen output unit 225 provided in the payment terminal 135. Information providing unit 205 for outputting the donation target information through the client and the client 140 confirming the predetermined donation target information according to the present invention. A consent confirming unit 215 for confirming the intention to donate a predetermined rate or the like through the key input unit 230 provided in the payment terminal 135 and the intention of donation of the payment client 140 are input or confirmed. If so, the generation unit 220 for generating a payment approval request text including the predetermined donation agreement information and / or donation consent code, and the payment including the donation consent information and / or donation consent code The request for the specialized characterized in that it comprises a transmission section 210 for transmitting to the server 100 on the network via the transaction communication unit 240.

Preferably, the information providing unit 205 is a predetermined donation for the consent and / or selection of the donation destination (or donation target) associated with the card payment according to the present invention in the payment process of the client 140 The target information is output through a predetermined screen output means provided in the payment terminal 135.

In this case, the information providing unit 205 is a predetermined memory corresponding to at least one donation target (or donation target) information and / or donation target (or donation target) in the memory provided in the payment terminal 135. When a code is stored, the client 140 outputs the at least one donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target) previously stored in the memory. Can be provided.

For example, referring to FIG. 3, donation target information may be output in the payment process of the client 140 and may be presented to the payment terminal 135 operator and / or the payment client 140 (eg, payment terminal). 135 is provided with a predetermined screen on which the payment client 140 can check the payment process), and a screen on which the payment client 140 can check the donation target information is provided on the payment terminal 135. If not, the payment terminal 135 operator may provide the donation target information to the payment client 140 in the payment process.

However, since the donation target information may be posted on a predetermined bulletin board and / or a predetermined placard and / or website in the affiliated store where the payment terminal 135 is located, the information providing unit 205 may be used by those skilled in the art. It may be omitted in the implementation of the present invention.

Preferably, the confirmation unit 215 is a predetermined donation target information is provided to the payment client 140 through the information providing unit 205, and / or a predetermined bulletin board and / or predetermined predetermined in the aforementioned merchants The payment client 140, which has obtained the donation target information through a placard and / or a website, confirms a predetermined donation agreement with respect to the donation through the donation target at the point of payment through the payment terminal 135. It is characterized by.

For example, the confirmation of the donation agreement may be performed by the operator of the payment terminal 135 when the operator of the payment terminal 135 obtains the consent for the donation verbally from the payment client 140 as shown in (c) of FIG. 3. When the payment terminal 135 is provided with a key (or mouse) which is confirmed through a key input and / or which the payment client 140 can operate (or input), the payment client 140 directly contributes the donation. Indications for consent may be entered.

Preferably, the generation unit 220 and the payment history information corresponding to the payment behavior of the payment client 140 when the intention to agree to the donation of the payment client 140 through the confirmation unit 215 and the Characterized in that the payment approval request text including the donation agreement information (or donation agreement code, etc.) of the payment client 140.

In addition, when the client 140 selects a donation target (or donation target), the generation unit 220 may provide donation agreement information (or code) of the client 140 and / or a selected donation target (or donation). Subject) information (or code) can be generated a predetermined payment approval request full text.

Here, the donation agreement information (or donation agreement code) may be expressed as a predetermined code previously signed between the server 100 and the affiliated terminal having the payment terminal 135, in which case the payment approval request message According to whether the donation agreement information (or donation agreement code) is included, the server 100 may determine a donation process of the client 140.

For example, the donation agreement information (or donation agreement code) is preferably added to the reserved payment field reserved for the existing payment request transmitted from the payment terminal 135 to the server 100, but is limited thereto. Instead, it may be transmitted through a predetermined communication channel between the affiliated store having the payment terminal 135 and the server 100.

For example, if the donation agreement information (or donation agreement code) is included in the payment approval request text, the server 100 has previously agreed, and a predetermined ratio or earned points (or mileage) of the payment amount of the client 140 ), The donation process may be performed according to a predetermined rate of money exchange amount, and if the donation agreement information (or donation agreement code) is not included in the payment approval request text, the server 100 processes the existing card payment process. Can be performed as is.

Preferably, the transmission unit 210 is a predetermined transaction communication unit provided in the payment terminal 135 with the payment approval request text including the donation agreement information (or donation agreement code) generated by the generation unit 220 ( Characterized in that it is transmitted to the server 100 on the network through the 240, wherein, the payment approval request text that includes the donation agreement information (or donation agreement code) is VAN, financial community network, ADSL, or wireless data It is preferable to be transmitted to the server 100 through a communication network.

Referring to FIG. 2, the memory (part) of the payment terminal 135 may include at least one or more pieces of information required for the controller 200 to perform a predetermined control function (eg, a card information reading function, a full text generation function, or the like). It stores data, and includes at least one or more storage means, including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), HDD (Hard Disk Drive), the control unit in software It comprises a predetermined program routine and program data (e.g., data input or output for the program routine to perform a predetermined function) required for the 200 to perform a predetermined control function.

According to a preferred embodiment of the present invention, the memory unit 250 may store at least one donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target), In a card payment process of a predetermined client 140, donation target information for donating a predetermined ratio corresponding to the card payment amount to the specific donation destination or donation target may be stored.

Here, the donation target information is obtained from the server 100 through a network, from a terminal (or server 100) located on an upper network of the payment terminal 135, or the payment terminal 135. It may be obtained through an operator's key operation or memory update and stored in the memory unit 250.

The card reader unit 245 of the payment terminal 135 reads at least one or more information or data included in the card for payment associated with a predetermined donation of the client 140 according to a preferred embodiment of the present invention. It is characterized by.

Here, the card reader unit 245 provides an interface between the card and the payment terminal 135, and the MS reader for interfacing the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the payment terminal 135 The contact IC reader unit 245 and / or the ISO / IEC 14443 standard for interfacing the integrated IC card based on the unit 245 and / or the ISO / IEC 7816 standard with the payment terminal 135. It may include a contactless IC reader unit 245 for interfacing the contactless IC card based with the payment terminal 135.

More specifically, the MS reader unit 245 of the card reader unit 245 is a card reader unit 245 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil. And an MS card in which predetermined information (eg, magnetized binary information) is recorded is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head is in close contact with an MS card in which predetermined information is recorded). In this case, the predetermined information or data is interfaced to the payment terminal 135 from at least one track included in the MS of the MS card by using a predetermined electrical signal loaded on the magnetic head.

In addition, the contact IC reader 245 is a card reader 245 based on ISO / IEC 7816. The contact IC reader 245 includes at least an electrical contact in contact with a chip on board (COB) provided in the contact IC card. It comprises at least one contact point, and supplies power to the IC chip of the IC card through the contact point, and predetermined from the IC chip through the half-duplex transaction using an Application Protocol Data Unit (APDU) Information or data of the interface to the payment terminal 135.

In addition, the contactless IC reader 245 is a card reader 245 based on ISO / IEC 14443. The contactless IC reader 245 is a non-contact IC card using capacitive coupling and / or inductive coupling. It comprises at least one antenna making an electrical contact, the power supply to the IC chip of the IC card through the antenna, and predetermined from the IC chip through the half-duplex transaction using the APDU The information or data is interfaced to the payment terminal 135.

The screen output unit 225 of the payment terminal 135 is a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the control unit 200 in the payment terminal 135 Outputs at least one information or data that is predefined or is defined in real time to be output, and the key data input through the key input unit 230 to the information or data that is predefined to be output on the screen by the payment terminal 135 , Information stored or generated by a component included in the payment terminal 135, information transmitted / received through the transaction communication unit 240, and data corresponding to a predetermined operation result performed by the payment terminal 135. Can be.

According to the present invention, the screen output unit 225 is a donation destination or donation target information according to predetermined donation target information stored in the memory unit 250 in the card payment process of the client 140, the amount to be donated (Percentage) information, specific target information (e.g., when applying for a specific service or a specific product, applying a donation target, etc.) and the like are output to predetermined screen output means provided in the payment terminal 135.

In addition, according to a preferred embodiment of the present invention, the donation target information output to the screen output means as shown in (b) of Figure 3 may be the basis for asking whether the payment client 140 agrees to the donation target 3 is preferably determined according to whether the payment client 140 agrees with the donation target.

The key input unit 230 of the payment terminal 135 is a predetermined key input including a plurality of number keys (Character Key), a function key (Function Key), etc. can be entered From the means, the operator of the payment terminal 135 and / or payment client 140 inputs the corresponding key data (Key Data) generated by clicking a predetermined key to the control unit 200, the control unit 200 Reads key data input through the key input unit 230 and controls predetermined functions and / or predefined tasks corresponding to the key data in association with at least one component provided in the payment terminal 135. .

According to a preferred embodiment of the present invention, the key input unit 230 receives a key input signal corresponding to the response of the payment client 140 confirming the donation target information output through the screen output unit 225, the control unit 200. To pass).

Here, the key input signal corresponding to the response of the payment client 140 may be generated through key input (operation) or mouse operation or touch screen operation of the payment terminal 135 operator and / or payment client 140. Can be.

For example, predetermined card information is read from a card owned by the client 140 through the card reader unit 245 of the payment terminal 135 and predetermined through the key input unit 230 of the payment terminal 135. If the card payment information (eg, payment amount and installment months) is inputted, the donation target information may be output through the screen output means as shown in FIG. 3, and at this time, the payment client 140 agrees to the donation target. In response to a key input generated, the generated key input is transmitted to the control unit 200, so that a donation associated with payment of the client 140 according to the present invention may be possible.

The transaction communication unit 240 of the payment terminal 135 provides communication means for performing a transaction function (eg, a payment transaction function between the payment terminal 135 and the server 100) included in the payment terminal 135. And at least one wired network including a hardware added value added network (VAN), a financial common network or an asymmetric digital subscriber line (ADSL), and at least one wireless network including a mobile communication network or a wireless data communication network. Transaction with an external communication device through a network communication unit 240 that provides transaction communication with a server 100 on a wired or wireless network and / or a predetermined cable communication port (eg, RS-232c, Universal Serial Bus (USB), etc.). Cable communication unit 240 and / or infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN, Wi-F (Wi-F) to provide communication and a short range communication unit 240 that provides transaction communication with the local area communication device through at least one short range wireless communication including i), and provides a communication protocol and a communication application for providing transaction communication in software. It may include.

According to a preferred embodiment of the present invention, the transaction communication unit 240 (more specifically, the network communication unit 240) is the donation of the payment client 140 to a predetermined donation destination or donation target generated in the payment terminal 135 The payment approval request message including the consent information is transmitted to the upper payment network through at least one wired network including a VAN, a financial community network, or an ADSL.

The print output unit 235 of the payment terminal 135 processes a predetermined function and / or a job using a card in the payment terminal 135 and / or predetermined information or data generated as a result. A printing protocol and a printing device driver for outputting to the printing output means (for example, a receipt printing device) of the printing information or data through a predetermined printing device in accordance with a predefined printing form. have.

According to a preferred embodiment of the present invention, when the payment client 140 agrees to donate a donation amount corresponding to the payment amount to the predetermined donation destination or a donation target, the donation details (eg , Donation destination (or donation target), donation amount, etc. may be output.

Meanwhile, in addition to the components shown in FIG. 2, the payment terminal 135 may include an infrared communication unit 240 and / or a secure application module (SAM) and / or the payment terminal for wireless or infrared payment. 135 is ATM, it can be configured to include a banknote dispenser for cash payments (and banknotes for cash deposits) and the like will be omitted if one of ordinary skill in the art to which the present invention pertains State that it was done.

In addition, the payment terminal 135 is characterized in that it comprises at least one POS terminal, ATM, KIOSK.

Preferably, the terminal device (eg, payment terminal 135, etc.) shown in FIG. 2 obtains a donation agreement for a predetermined donation destination or donation target from the payment means using client 140, and obtains the donation agreement. And a predetermined recording medium for implementing a function of transmitting donation consent information (or code) to the server 100 on the network.

Here, the recording medium may be located in the credit card terminal device, and / or wireless terminal device, and / or POS terminal, and / or ATM, and / or KIOSK, a predetermined donation from the client using the payment means 140 When acquiring a donation agreement for a target or donor, a function of generating the donation consent information as predetermined data for transmitting to the server 100 on the network and the generated donation consent information data on the server 100 on the network. Characterized in that a program is recorded for realizing the function of transmitting the data.

In addition, the program recorded on the recording medium has a function of storing at least one or more donation target information (or donor target information) and / or a predetermined code corresponding to the donation target (or donor target) in a predetermined memory and the client And a function of outputting and providing to the 140 at least one or more donation target information (or donor target information) and / or a predetermined code corresponding to the donation target (or donor target) previously stored in the memory. It features.

In addition, the program may store at least one donation target (or donor target) information and / or a predetermined code corresponding to a donation target (or donor target) in a predetermined memory, and the client 140. Outputting and providing a predetermined code corresponding to the at least one donation target (or donation target) information and / or donation target (or donation target) previously stored in the memory to the client and the client 140 A function of transmitting the selection information to the server 100 when at least one or more of predetermined codes corresponding to at least one or more donation targets (or donation targets) and / or donation targets (or donation targets) are selected. It is characterized by further realization.

The program may further implement a function of outputting the donation providing details.

In addition, the program, when the client 140 selects the donation target (or donor) and / or donation amount (or points), the donation target (or donor) and / or donation amount (or points) information Characterized in that further provides a function to provide a predetermined donation condition information including the server 100.

In addition, when the client 140 selects a donation target (or donation target), the program generates or extracts a predetermined code corresponding to the donation target (or donation target) from a predetermined memory to the server 100. It is characterized by further realizing the function provided by).

In addition, the program may generate a predetermined payment approval request text including the donation agreement information (or code) of the client 140 and the predetermined payment approval request text including the donation consent information (or code). It is characterized by further realizing the function of transmitting to the server 100.

In addition, when the client 140 selects a donation target (or donation target), the program 140 provides donation agreement information (or code) and selected donation target (or donation target) information (or code) of the client 140. A function of generating a predetermined payment approval request text including a predetermined payment approval request text including the donation agreement information (or code) and selected donation destination (or donation target) information (or code); 100) further to the function of transmitting.

4 is a flowchart according to a preferred embodiment of the present invention.

4 is a process for providing a payment method linked donation providing a predetermined donation when using the payment means of the client 140 according to a preferred embodiment of the present invention, when the payment of the client 140 at a predetermined merchant, Obtain a donation agreement for a predetermined donation destination or donation target from the payment means using client 140 through the payment terminal 135 provided in the merchant, and the donation agreement obtained from the payment means using client 140 The information is transmitted to the server 100 on the network.

Referring to FIG. 4, the illustrated embodiment may be started from a process of reading the payment means information from the card of the client 140 by the card reader unit 245 of the payment terminal 135 at the time of the card payment of the client 140. .

When the card reader 245 reads the payment means information from the client 140 card (400), the information providing unit 205 of the payment terminal 135 screens the donation target information through the screen output unit ( 405) and present to the payment client 140.

At this time, the providing unit 120 of the server 100 is a merchant (or payment terminal 135) in which the payment terminal 135 is located, predetermined donation target (or donation target) information and / or donation target. The payment terminal 135 may be pre-stored in the memory unit 250 by providing a predetermined code corresponding to (or a donation target person).

Here, the donation target information is linked to a payment means provider (eg, a card company, etc.) and / or a specific donation destination (or a donation target) at a predetermined affiliate store, and the amount of payment of the client 140 to the specific donor or donation target. As information to donate a certain ratio, it is preferable to be carried out in accordance with the agreement of the payment client 140 at the time of payment.

In addition, the donation target information is characterized in that it is applied at the time of payment for a certain payment means at a specific merchant and / or for payment for a specific product or a specific service.

For example, the donation target information displayed on the screen, “If you pay with ○○ card at AA family restaurant, you can participate in the donation target.” Or, “Hello, BB department store. If you pay for women's clothing on the 2nd floor with a ○○ card, you can participate in the donation. ”

Preferably, if there is no donation agreement for the donation target from the client 140 confirming the donation target information (410), the generation unit 220 of the payment terminal 135 is the payment client 140 to the donation In step 415, the donation consent information is omitted (including only payment details information) and the payment approval request message is generated.

On the other hand, if there is a willingness to agree to participate in the donation target from the payment client 140 (420), the consent confirmation unit 215 of the payment terminal 135 confirms the donation target participation consent from the client 140. In operation 425, the generation unit 220 of the payment terminal 135 includes payment means information read out by the card reader unit 245, payment information, and donation agreement information of the payment client 140. Generate a payment approval request text (430).

Here, the process of confirming consent for the donation target participation from the payment client 140 may be performed by the payment client 140 directly performing a predetermined key input provided to the payment terminal 135. By orally confirming the consent for the donation target participation from the payment client 140, the payment terminal 135 operator may perform a predetermined key input provided in the payment terminal 135.

In addition, when the client 140 selects a donation target (or donation target), the generation unit 220 provides donation agreement information (or code) of the client 140 and a selected donation target (or donation target). Information (or code) may be included in the full text of the payment approval request.

Preferably, the payment approval request generated by the generation unit 220 of the payment terminal 135 is a transaction communication unit 240 that the transmission unit 210 of the payment terminal 135 is provided in the payment terminal 135. In operation 435, the server 100 may transmit the data to the server 100 on the network.

Here, the transmission unit 210 of the payment terminal 135, as described above, the payment means information and / or donation agreement information (or code) and / or the target destination (or donation target) information (or code) And transmits the payment approval request message including the full text to the server 100 in real time and / or temporarily stores it in the memory unit 250 of the payment terminal 135, and then collectively the server according to a predetermined cycle. Note that it may be provided as (100).

Then, the payment unit 105 of the server 100 receives the payment approval request message from the payment terminal 135 (440), at this time, the confirmation unit 115 of the server 100 is the payment By checking whether the donation consent information according to the present invention is included in the approval request text, the payment client 140 may determine whether to donate (445).

If the check unit 115 of the server 100 confirms that the full payment approval request message does not include the consent information for the donation (450), the payment unit 105 of the server 100 In operation 455, the payment approval response message that responds to the payment approval request message is transmitted to the payment terminal 135.

However, if the payment approval request message includes the consent information of the payment client 140 for the donation target participation (460), the storage unit 110 of the server 100 confirms the donation target participation consent information. As described above, the donation history of the payment client 140 is stored in the predetermined storage medium 130 (465).

Here, the donation history of the payment client 140 is stored in association with the payment client 140 personal information (or card information) and / or donation target information and / or payment merchant (or payment terminal 135) information, and the like. It is preferable.

In this process, the calculation unit 125 of the server 100 calculates a donation (or donation point) donated by the client 140 based on the donation agreement information provided by the payment terminal 135, and the The calculated donation (or donation point) may be provided to a donation target (or donation target) through the provision unit 120 of the server 100.

Here, the calculated donation (or donation point) may be provided through an account transfer to the donation target (or donation target).

According to the above process, when the donation history of the payment client 140 is stored in a predetermined storage medium 130 according to the confirmed donation target participation agreement information, the payment unit 105 of the server 100 approves the payment. The payment approval response message in response to the request message is transmitted to the payment terminal 135 (470).

The print output unit of the payment terminal 135 outputs a receipt including donation details of the payment client 140 to the payment client 140 when the payment client 140 agrees to participate in the donation target. By providing, the embodiment shown in FIG. 4 ends (475).

According to the present invention, when a client uses a payment method at a predetermined affiliated store, the client may provide a predetermined donation associated with the payment, so that the card user does not need to issue a separate donation-only card, and also provides a donation destination or a donation target. Without the need to specify or select one by one, there is an advantage that a predetermined donation is possible according to the use of the card.

In addition, the merchant can improve the image of the company (or company) due to the donation target, thereby increasing sales.

In addition, the card operator does not need to issue a separate donation-only card, and also has the advantage of inducing the use of the card according to the donation while reducing the promotional or marketing costs for the donation.

Claims (10)

In the terminal device having a transmission unit and a control unit for transmitting the full payment approval request, When obtaining a donation agreement for a predetermined donation destination or a donor from a payment method using client, The transmission unit, characterized in that for transmitting the donation agreement information (or code) to the server on the network, The control unit, the payment means linked donation providing terminal device, characterized in that for controlling the transmission of the donation agreement information (or code) to the server on the network. The method of claim 1, wherein the terminal device, Providing a donation target linked (or donation target) information and / or a predetermined memory for storing a predetermined code corresponding to the donation target (or donation target) further comprising a payment means linked donation providing Terminal device. The method of claim 1, wherein the terminal device, A predetermined memory for storing at least one donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target); And And an information providing unit configured to output the predetermined code corresponding to the at least one donation target (or donation target) information and / or the donation target (or donation target) previously stored in the memory to the client. Terminal device for providing a payment means linked donation, characterized in that made. The method of claim 1, wherein the terminal device, A predetermined memory for storing at least one donation target (or donation target) information and / or a predetermined code corresponding to the donation target (or donation target); An information provider for outputting and providing the client with a predetermined code corresponding to the at least one donation target (or donation target) information and / or a donation target (or donation target) previously stored in the memory; And Transmitting the selection information to the server when the client selects at least one of the at least one donation target (or donation target) and / or a predetermined code corresponding to the donation target (or donation target). The terminal device for providing a payment means linked donation characterized in that it further comprises. The method of claim 1, wherein the terminal device, Terminal for payment means linked donation providing characterized in that it further comprises a print output unit for outputting the donation providing details. The method of claim 1, wherein the terminal device, When the client selects a donation destination (or donor) and / or a donation amount (or points), Terminal device for providing a payment means linked donation, characterized in that it further provides to the server a predetermined donation condition information including the donation target (or donation target) and / or donation amount (or points) information. The method of claim 1, wherein the terminal device, When the client selects a donation target (or donation target), Terminal device for providing a donation means linked to the payment means, characterized in that for generating a predetermined code corresponding to the donation target (or donation target) or extract from a predetermined memory to the server. The method of claim 1, wherein the terminal device, A generation unit for generating a predetermined payment approval request text including the donation agreement information (or code) of the client; And And a transmission unit for transmitting a predetermined payment approval request text including the donation agreement information (or code) to the server. The method of claim 1, wherein the terminal device, When the client selects a donation target (or donation target), A generation unit configured to generate a predetermined payment approval request message including the donation agreement information (or code) of the client and the selected donation destination (or donation target) information (or code); And And a transmission unit for transmitting a predetermined payment approval request text including the donation agreement information (or code) and selected donation destination (or donation target) information (or code) to the server. Terminal device for providing a payment means linked donation. The method of claim 1, wherein the terminal device, Credit card terminal device, wireless terminal device, POS terminal, ATM, KIOSK payment device linked donation terminal device characterized in that it comprises at least one.

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