KR20070072805A - System and method for processing check card payment in installment by using credit card - Google Patents

Abstract

A system and a method for processing installment payment of a check card by using a credit card, and a payment approval processing device and a recording medium thereof are provided to process an installment payment approval of the check card by checking a number of installment from a payment approval request message, reading credit card information linked with check card information, and processing the credit card information. An information storing part stores the check card information of a customer to a storage medium(135) by linking with the credit card information. An information checker(515) checks whether the number of installment are included in the payment approval request message when the payment approval request message of using the check card is received. A credit card payment approval processor(525) reads the credit card information linked with the check card information from the storage medium and processes the installment payment approval by using the credit card information if the number of installment is includes in the payment approval request message.

Description

System and Method for Processing Check Card Payment in Installment by Using Credit Card}

1 is a diagram illustrating an information registration system configured to replace (or convert) a check card payment with a credit card associated with the check card according to the installment month information in a check card issuing process according to an embodiment of the present invention. One drawing.

2A and 2B are information registration for replacing (or converting) the check card payment with a credit card associated with the check card according to the installment month information in the process of issuing a check card according to an embodiment of the present invention to process a payment; A diagram illustrating the process.

FIG. 3 is a diagram illustrating an information registration system configured to process a payment by issuing a check card after issuing a check card and replacing (or converting) the check card payment with a credit card associated with the check card according to the installment month information. Drawing.

4a and 4b is an information registration process for processing the payment by replacing (or converting) the check card payment with the credit card associated with the check card according to the installment month information after issuing a check card according to an embodiment of the present invention. Figure is a diagram.

5 is a diagram illustrating a system for processing payment by replacing (or converting) a check card payment with a credit card associated with the check card according to the installment month information according to an embodiment of the present invention.

6 is a diagram illustrating a functional configuration of a payment terminal device according to an embodiment of the present invention.

7 is a diagram illustrating a check card payment approval request specialized structure according to an embodiment of the present invention.

8A, 8B, and 8C are diagrams illustrating a payment approval specialized structure according to an embodiment of the present invention.

9 is a diagram illustrating a process of generating a full payment approval request message in a payment terminal device and transmitting it to a payment server according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of applying a monthly payment card use policy to a check card payment request corresponding to a full payment approval request in a payment server according to an embodiment of the present invention.

11 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request in a payment server according to an embodiment of the present invention through a check card.

12 is a diagram illustrating a check card debit processing approval request specialized structure defined between a payment server and a financial system according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating an operation process of a financial system that receives a check card debit processing approval request message from a payment server according to an embodiment of the present invention.

14 is a diagram illustrating an operation process of a payment server that receives a full check card debit processing approval result from a financial system according to an embodiment of the present invention.

15 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server according to an embodiment of the present invention through credit settlement associated with a check card.

FIG. 16 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server according to an embodiment of the present invention by a cash service (or card loan) through a credit card associated with a check card.

<Description of main parts of drawing>

100: information registration server (device) 105: information receiving unit

110: information confirmation unit 115: information generation unit

120: credit card verification unit 125: information storage unit

130: DBMS (DB Server) 135: storage medium

140: Credit Card D / B 145: Policy Information D / B

150: card issuing server (device)

The present invention relates to a payment installment processing method and system for a check card using a credit card, a payment approval processing device and a recording medium therefor.

A check card uses a conventional credit card-based electronic payment system resource, interlocks the card with a predetermined bank account provided in a predetermined financial system, and transfers the payment amount using the check card through the financial system. Withdrawal from the customer's account and transfer to the card company's mother account, the electronic payment processing in the form of debit as long as there is a balance in the customer's account, and if the balance of the customer's account is insufficient, generates a customer credit to postpay form such as a credit card It is an electronic payment method that processes electronic payment.

The check card as described above purchases the credit card payment slip within the period defined by the credit card company, and pays the payment amount contained in the slip to the merchant within the prescribed period, and then the customer makes the payment. There is an advantage that can solve the problem of paying the payment amount as a debt until the amount is settled.

However, in Korea, the check card is issued mainly for minors and / or bad credit holders who have no credit (or little credit), whereby the credit card's credit limit is zero (0). If the balance of the customer account is insufficient, the electronic payment through the check card includes a problem that is not approved.

The policy of issuing and operating such a check card is also applied to general customers who have a certain customer credit (for example, a credit limit can be defined). If the balance is insufficient, it may cause customer credit, so that the electronic payment cannot be processed in the form of post-payment such as a credit card.

An object of the present invention, by linking the customer check card information with the customer credit card information and stored in a predetermined storage medium, when receiving the payment approval request message using the check card, by checking whether the installment months included in the message If the check result indicates that the installment months are included in the preamble, the credit card information associated with the check card information is read in association with the storage medium (or storage medium operating means), and the read credit card information. The present invention provides a payment installment processing system and method for a check card using a credit card that processes an approval corresponding to the payment installment processing.

A payment installment processing method for a check card using a credit card according to the present invention comprises: an information storing step of processing customer check card information in association with customer credit card information in a predetermined information storing means and storing the check card information in a predetermined storage medium; A full text confirmation step of confirming whether a full-month installment is included in the full text by a predetermined text verification means when receiving the full payment approval request message using the check card; And if the full text includes the installment months, the predetermined payment approval processing means reads the credit card information associated with the check card information in association with the storage medium (or storage medium operating means). And a payment approval processing step of processing the approval corresponding to the payment installment processing using the read credit card information.

According to the present invention, the payment approval processing step, the payment payment processing approval for the entire payment approval request amount using the credit card information, or the amount corresponding to the first installment of the payment approval request amount is After the processing using the check card information, the payment installment processing for the amount corresponding to the remaining installment months characterized in that the approval processing using the credit card information.

According to the present invention, the credit card information is characterized in that the credit card information actually issued to the customer, and / or comprises a virtual card information.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the payment installment processing method of the check card using the credit card described above.

On the other hand, the payment card payment installment system using a credit card according to the present invention, the information storage means for storing the customer check card information in association with the customer credit card information in a predetermined storage medium; Full text confirmation means for confirming whether the payment includes the number of installment months when receiving the full payment approval request using the check card; And when the check result indicates the installment months, the credit card information linked to the check card information is read in association with the storage medium (or storage medium operating means), and the read credit card information. It characterized in that it comprises a; payment approval processing means for processing the approval corresponding to the payment installment processing using.

According to the invention, each of the means is characterized in that provided in a single server, or provided in a plurality of servers.

On the other hand, the payment installment processing device for a check card using a credit card according to the present invention, upon receipt of a payment approval request full text using a check card, a professional confirmation unit for checking whether the installment months included in the full text; And when the check result indicates the installment months, the credit card information linked to the check card information is read in association with the storage medium (or storage medium operating means), and the read credit card information. It is characterized in that it comprises a; payment approval processing unit for processing the approval corresponding to the payment installment processing using.

According to the present invention, the payment installment processing device, characterized in that consisting of a single server or a plurality of servers.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that the program for executing the function of the payment installment processing unit component of the check card using the above-described credit card recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited. For example, each means constituting the present invention is used by transforming into a functional component provided in a predetermined server (or device), and the payment approval processing device is referred to as a payment server for convenience.

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

1 is a diagram illustrating an information registration system configured to replace (or convert) a check card payment with a credit card associated with the check card according to the installment month information during a check card issuing process according to an embodiment of the present invention. One drawing.

In more detail, Figure 1 shows a check card information issued to a customer at a given card company (or financial company), a check card information issued to the customer, a credit card previously issued to the customer and / or a predetermined virtual credit card. To replace (or convert) the credit card information and the payment using the check card with a credit card and / or a predetermined virtual credit card previously issued to the customer according to each installment month information. As one embodiment of an information registration system configuration for storing and processing installment-based card usage policy information, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing. When issuing a check card to a predetermined customer from a predetermined card company (or financial company) without violating the core technical matters of the present invention, Various information registration systems for the payment process by replacing (or converting) the payment using the previously issued check card with the pre-issued credit card and / or the predetermined virtual credit card according to each installment month information. Although the method can be easily inferred, it is understood that the present invention is not limited by the respective method of implementation by referring to the system configuration shown in FIG. 1 and / or by modifying a part of the system configuration. It is obvious.

Referring to FIG. 1, a customer who wants to issue the check card visits a predetermined card company (or financial company) window, or checks a predetermined check card in an offline manner through a person in charge of issuing a predetermined check card at the card company (or financial company). When an application for issuance (e.g., a document having a form for filling in at least one check card issuance application information item for issuing a check card) is prepared, and the completed application is submitted to the counter staff, the counter staff is assigned a predetermined number. The check card issuing application information entered in the application is input through the manager terminal of the terminal, and the check card issuing application information is input from the manager terminal by a predetermined information registration interface means 155 (for example, the manager terminal and the predetermined information). Predetermined through a communication network (or network) that connects the information registration server (or device) 100 by communication It transmits to the information registration server (or device) 100.

In the offline information registration process, if the information registration server (or device) 100 is an information input device for issuing an unmanned card such as a kiosk, the customer may use a predetermined information registration interface means 155 in an offline manner. (E.g., key input means provided in the information input device for issuing an unmanned card) may input predetermined card issuance information including the check card issuing application information for issuing the check card. It is not limited.

In addition, a customer who wants to issue the check card may operate a client terminal connected to a network to communicate with a predetermined information registration interface means 155 (eg, a client terminal and an information registration server (or device) 100). Or network)) and access the information registration server (or device) 100 and provide predetermined check card issuing application information based on the information input interface screen provided by the information registration server (or device) 100. Input the card issuing information to be transmitted to the information registration server (or device) 100.

In addition, although FIG. 1 illustrates a wired terminal including at least one desktop computer and / or a notebook as the client terminal for convenience, the intention of the person skilled in the art and / or the information registration interface means 155. Depending on the corresponding communication network (or network) characteristics and whether the information registration server (or device) 100 supports the wireless function, the client terminal may be a Personal Communication System (PCS) and / or a Global System for Mobile (GSM). communications) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or smart phones and // Telematics and / or DataTAC / Mobitex type wireless data communication terminal and / or IEEE 802.16 based portable internet terminal It may be made to include at least one, by which the present invention is not limited.

Referring to FIG. 1, the information registration server (or apparatus) 100 basically includes a function configuration (not shown) for issuing a check card and registering information, and each payment is made using the issued check card. Issuing a predetermined check card through the information registration interface means 155 to replace (or convert) the credit card with a pre-issued credit card and / or a predetermined virtual credit card according to the installment month information to process the payment. An information receiver 105 for receiving application information and / or credit card registration information and / or virtual credit card issuance application information pre-issued to the customer, and the information receiver 105 via information registration interface means 155; An information checking unit 110 for checking whether the credit card registration information and / or the virtual credit card issuing application information previously received to the customer are received, and the check card issuing new Generates check card information corresponding to the information, and when the information confirming unit 110 receives the predetermined virtual credit card issuing application information, as a result of the check by the information confirming unit 110, the virtual credit card issuing application information When the information generation unit 115 for generating predetermined virtual credit card information and the credit card registration information previously issued to the customer are received by the information receiving unit 105 as a result of confirming the information checking unit 110, A credit card verification unit 120 for checking a credit card pre-issued to the customer, and check card information generated by the information generation unit 115 in a predetermined storage medium 135, and the information generation unit When predetermined virtual credit card information is generated through 115, the check card information and the virtual credit card information are processed in association with each other and stored in the storage medium 135, or through the credit card verification unit 120.When the pre-issued credit card is confirmed to the customer, the check card information and the pre-issued credit card information is provided in the form of an information storage unit 125 for linking and storing the information registration interface means ( 155) the payment using the check card to the information receiving unit 105 by replacing (or converting) a credit card and / or a predetermined virtual credit card previously issued to the customer according to the installment month information. Credits pre-issued to the customer according to each installment month information for receiving payment using the installment card information per installment month and / or from the predetermined policy information D / B 145. If the card usage policy information for each month is extracted to replace (or convert) the card and / or a predetermined virtual credit card to process payment, The storage unit 125 stores the check card information and the virtual credit card information in association with the installment monthly card use policy information, or stores the check card information and the pre-issued credit card information in the installment month card. It is characterized by storing in association with the usage policy information.

Referring to FIG. 1 according to an embodiment of the present invention, the check card information, the virtual credit card information, and the installment monthly card usage policy information are linked and stored, or the check card information and the pre-issued credit card are stored. Although the storage medium 135 in which information and the installment monthly card usage policy information are processed in association with each other is stored as being provided in a predetermined DBMS (DateBase Management System) 130 and / or DB server 130, the The storage medium 135 may be provided in the information registration server (or apparatus) 100, and thus the present invention is not limited thereto. In addition, the DBMS 130 and / or DB server 130 and the credit card D / B (140) for storing the credit card information and customer information pre-issued to the customer in association with, and payment using the check card At least one card including installment-monthly card usage policy information for replacing (or converting) with a pre-issued credit card and / or a predetermined virtual credit card according to each installment month information to process payment It is preferable to manage the policy information D / B (145) for storing the usage policy.

The information receiving unit 105 may receive the check card issuing application information from the check card issuing customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 155, in this case The information checking unit 110 confirms that the credit card registration information and / or the virtual credit card issuing application information previously issued to the customer are not received through the information registration interface means 155. Then, the information registration server (or device) 100 is credit associated with the check card according to the installment months information from the check card issuing customer to the payment using the check card through the system configuration as shown in Figure 3 Receive credit card registration information and / or predetermined virtual credit card issuance application information pre-issued to the customer for replacement (or conversion) with a card, and / or from the check card issuing customer Receive the installment monthly card usage policy information for the payment process by replacing (or converting) the payment using the payment information with the pre-issued credit card and / or a predetermined virtual credit card according to each installment month information, or Or install each payment using the check card from the policy information D / B 145 managed by a predetermined DBMS 130 and / or DB server 130 Depending on the number of information can be extracted by dividing months card using policy information used for payment processing to replace (or switch) to the to the customer line issuing the credit card, and / or some of the virtual credit card.

Further, the information receiving unit 105 uses the check card issuing application information and the check card from the check card issuing application customer through a predetermined manager terminal and / or a client terminal through a predetermined information registration interface means 155. Credit card registration information and / or predetermined virtual credit card issuance application information previously issued to the customer for processing payment by replacing (or converting) the credit card associated with the check card according to the installment month information. In this case, the information confirming unit 110 confirms that the credit card registration information and / or the virtual credit card issuing application information pre-issued to the customer through the information registration interface means 155 has been received. . Thereafter, the information registration server (or device) 100 pre-issued credit to the customer according to the installment month information from the check card issuing customer through the system configuration as shown in FIG. Receive installment-based card usage policy information for replacing (or converting) a card and / or a predetermined virtual credit card to process payment, or a policy managed by a predetermined DBMS 130 and / or DB server 130 The payment using the check card from the information D / B 145 is replaced (or converted) with a credit card and / or a predetermined virtual credit card pre-issued to the customer according to the installment month information. The card usage policy information for each installment month may be extracted.

Further, the information receiving unit 105 uses the check card issuing application information and the check card from the check card issuing application customer through a predetermined manager terminal and / or a client terminal through a predetermined information registration interface means 155. Credit card registration information and / or predetermined virtual credit card issuance application information previously issued to the customer for processing payment by replacing (or converting) the credit card associated with the check card according to the installment month information. And installment-monthly card usage policy for replacing (or converting) the payment using the check card with a pre-issued credit card and / or a predetermined virtual credit card according to each installment month information. Information may be received, in which case the information checking unit 110 receives the information through the information registration interface means 155. Confirm that the pre-issued credit card registration information and / or virtual credit card issuing application information and the installment monthly card usage policy information have been received.

The information checking unit 110 checks the payment using the check card according to the installment month information on the check card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105. It is characterized by checking whether the credit card registration information and / or the predetermined virtual credit card issuance application information is pre-issued to the customer in order to process the payment by replacing (or converting) the credit card associated with the card.

The pre-issued credit card registration information is a credit card issued by the card company (or financial company) to the customer prior to issuing the check card to the customer (or a card company (or financial company) that issues the check card according to an implementation method). Card information (and / or credit card) including credit card number, expiration date, customer name, etc. corresponding to at least one other card company (or financial company) affiliated with the business to be processed in conjunction with the check card issued by Credit card payment means information), and if the check card issuing application information is received with the credit card registration information pre-issued to the customer, the information checking unit 110 to the customer By providing the pre-issued credit card registration information to the credit card verification unit 120, to the credit card verification unit 120 Based on the credit card information to verify the credit card information line to the customer.

The virtual credit card issuing application information may be obtained from a credit card issued by the card company (or financial company) to the customer (or a card company (or financial company) that issues the check card according to an implementation method) before issuing the check card to the customer. If there is no credit card issued by at least one other card company (or financial company) affiliated with the business to issue the check card, the check using the check card according to the installment month information And the information for issuing to the customer a virtual credit card required for the payment processing by replacing (or converting) the credit card associated with the card. When the card issuing request information is included and received, the information checking unit 110 is By providing the credit card issuing application information to the information generating unit 115, the information generating unit 115 to generate predetermined virtual credit card information based on the virtual credit card issuing application information. Here, the virtual credit card is not a physical credit card (e.g., a plastic card storing card information (and / or credit card payment means information) in the Track II area), but payment using the check card on the system according to the present invention. Means a credit card defined to process credit payment according to each installment month information, and the credit card is issued according to the conventional physical credit card issuing procedure defined at the card company (or financial company), but the physical card is It is desirable that they are not manufactured and shipped (or provided) to the customer.

The information generating unit 115 generates check card information corresponding to the check card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105, and the check card information. The card information (eg, check card number, expiration date, issuer name, etc. included in the card) corresponding to the check card issued to the customer by the card company (or financial company), if the check card is an MS (Magnetic Stripe) card Information stored in the Track II area, and predetermined member account information associated with the check card (eg, a member bank code, a member account number, a member branch code, etc., in which a predetermined customer account associated with the check card is opened). ), Customer information (eg, customer name, social security number, address, contact information, etc.) of the member who issued the check card, and the check card operation information (eg, deposit) To be used within the liquid range of the amount, and the payment policy points, additional service information, etc.), and the like comprises at least one.

According to the method of the present invention, the card information among the check card information generated by the information generating unit 115 is provided to a predetermined card issuing server (or device) 150, the card issuing server (or device) 150 is preferable to produce (or generate) a predetermined check card based on the card information to provide (or deliver) to the customer.

In addition, the information generating unit 115 confirms that the check card issuing application information received by the information checking unit 110 by the information confirming unit 110 includes predetermined virtual credit card issuing application information. The virtual credit card information corresponding to the virtual credit card issuing application information is generated when the virtual credit card information is issued to the customer by the card company (or financial company). For example, information included in the card, such as a credit card number, expiration date, and issuer name, customer information (for example, customer name, social security number, address, contact information, etc.) of the credit card issuing member, and the credit card operation information (for example, , Credit card credit limit, cash service limit amount, total limit amount, points accumulation and payment policy, additional service information, etc.) Or it comprises more.

The credit card verification unit 120 receives the credit card registration information previously issued to the customer in the check card issuing application information received by the information verification unit 110 to the information receiving unit 105. If it is confirmed that the card company (or financial company) that issues the check card to the customer based on the customer information included in the application information issuing the check card (or the card company (or financial company) that issues the check card according to the implementation method) At least one other card company (or financial company) affiliated with the check card issued by the company stores the credit card information issued to the customer in association with the credit card D / B 140. It is characterized in that the existence of the issued credit card, and if there is a credit card previously issued to the customer, the credit card D / B (14) It is characterized in that the extraction of credit card information previously issued to the customer from 0).

According to an embodiment of the present invention, the credit card D / B 140 may include at least one credit card information previously issued to the customer, the credit card customer information and / or the credit card operation information (not shown). Characterized in that it is linked to the processing, the credit card information is preferably made to include the card information (for example, credit card number, expiration date, customer name, etc.) stored in the credit card previously issued to the customer, The credit card customer information preferably includes personal information including the name, social security number, address, and contact information of the credit card issuing customer, and the credit card operation information (not shown) is the credit limit for the credit card. And / or limit amount information including the cash service limit amount and / or the total limit amount, the credit card payment details, and the like. It is preferable to make it together.

When the predetermined check card information corresponding to the check card issuing application information is generated by the information generating unit 115 (for example, credit card registration information and / or a predetermined virtual credit card issuing application pre-issued to the customer). If information is not received), the information storage unit 125 stores the generated check card information in a storage medium 135 managed by a predetermined DBMS 130 and / or DB server 130. The check card information may include credit card information and / or predetermined virtual credit card information previously issued to the customer in the check card information stored in the storage medium 135 through the system configuration as shown in FIG. And / or replace (or convert) a payment using the check card with a credit card and / or a predetermined virtual credit card previously issued to the customer according to the installment month information. The lock installment months per card using policy information that is associated processing may be stored.

In addition, the information generating unit 115 replaces the check card information corresponding to the check card issuing application information and the payment using the check card with a credit card associated with the check card according to the installment months information. (Or switch) when predetermined virtual credit card information is generated for payment processing (for example, when the check card issuing application information and the predetermined virtual credit card issuing application information are received by the information receiving unit 105). The information storage unit 125 stores the information on the storage medium 135 by linking the generated check card information and the virtual credit card information, and then storing the information through the system configuration as shown in FIG. The payment using the check card to the check card information and the virtual credit card information stored in the medium 135 is selected to the customer according to the installment month information. A credit card and / or a predetermined virtual replaced by a credit card (or switched) by dividing months per card using policy information used for payment processing is further associated processing may be stored.

In addition, check card information corresponding to the check card issuing application information is generated by the information generating unit 115, and credit card information previously issued to the customer by the credit card checking unit 120 is checked and extracted. (For example, when the check card issuing application information and the credit card registration information previously issued to the customer are received by the information receiving unit 105), the information storage unit 125 generates the check card information. And the credit card information pre-issued and stored in the storage medium 135, and then the check card information and virtual credit stored in the storage medium 135 through the system configuration as shown in FIG. The payment using the check card in the card information is replaced (or converted) with a credit card and / or a predetermined virtual credit card previously issued to the customer according to the installment month information. Installment payments over a month per card use policy information to be processed is more associated processing can be saved.

According to an embodiment of the present invention, the installment monthly card usage policy information is checked according to the installment month information included in the payment approval request message received from the payment terminal device 600 to the payment server 500. The payment processing using the card payment means is processed using the check card payment method as it is, or the payment processing using the check card payment method is replaced (or converted) with a credit card associated with the check card. It is preferable that the policy information is included. For example, the card usage policy information for each installment month is set to 0 when the installment months included in the full payment approval request is "0" (for example, when requesting a lump sum payment). The payment process is performed using the check card as it is. If the installment months included in the payment approval request text is "N (N> 1)" (for example, when requesting approval of the installment payment), replace the check card payment with a credit card associated with the check card ( Or conversion) to include policy information for payment processing. Further, for example, the card usage policy information for each installment month is set to 0 when the installment month number included in the full payment approval request is "0" (for example, when requesting a lump sum payment). The payment processing is performed using the check card as it is. If the installment month included in the full payment approval request is "N (N> 1)" (for example, when requesting approval for the installment payment), the payment amount for the current month of the payment amount is used as it is. The payment amount, and the remaining payment amount may include policy information for replacing (or converting) with a credit card associated with the check card to process the payment.

Referring to FIG. 1, when predetermined card information corresponding to the check card information is generated by the information generating unit 115 of the information registration server (or apparatus) 100, the card information is a predetermined card issuing server. (Or device) 150, the card issuing server (or device) 150 based on the card information, the predetermined media storage information (e.g., if the issued check card is MS, Track of MS Create storage information recordable in the area II, record the media storage information on a medium provided in a blank card corresponding to an MS card (for example, a magnetic strip in the case of an MS card), and store the medium. Characterized in that the check card recorded the information is delivered to (or provided) to the customer.

Figures 2a and 2b is an information registration to replace (or convert) the check card payment with a credit card associated with the check card according to the installment month information in the process of issuing a check card in accordance with an embodiment of the present invention A diagram illustrating the process.

In more detail, Figures 2a and 2b, as shown in Figure 1, when a check card is issued to a predetermined customer by a predetermined card company (or financial company), the check card information issued to the customer, the credit card previously issued to the customer and And / or replace the credit card information corresponding to the predetermined virtual credit card and the payment using the check card with the credit card and / or the predetermined virtual credit card previously issued to the customer according to the installment month information. As an implementation method for an information registration process for linking and storing installment-based card usage policy information for payment processing, specifically, FIG. 2A shows the check card information issued to the customer and selected information to the customer. It relates to an implementation method for registering by processing the issued credit card information and the installment monthly card usage policy information, Figure 2b The present invention relates to a method for registering a check card information issued to a customer, predetermined virtual credit card information associated with the check card, and card allocation policy information for each installment month.

If one of ordinary skill in the art to which the present invention pertains, when a check card is issued to a predetermined customer from a predetermined credit card company without departing from the core technical matters of the present invention with reference to the drawings 2a and 2b, Various implementation methods for replacing (or converting) the check card payment with the credit card associated with the check card according to the installment month information may be easily inferred, and are shown in FIGS. 2A and 2B. It is apparent that the present invention is not limited to the respective methods of implementing the above-described information registration method and / or modifying a part of the information registration method. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 2A, a customer applying for a predetermined check card issuing a predetermined check card issuance through a predetermined information registration interface means 155, and / or for each installment month information for payment using the check card. In accordance with (200a), the customer applies for an installment monthly credit card replacement (or conversion) payment service for the customer to replace (or convert) the credit card with a pre-issued credit card to process the payment. Credit issued to the customer according to the payment card issuing application information and credit card registration information previously issued to the customer and / or payment using the check card to each server through the installment month information through 155. The payment policy for each installment month is transmitted to replace (or convert) the card with the card (205a).

According to the method of the present invention, the customer applying for the check card issuing a check card issuance application only through a predetermined information registration interface means 155, or as shown in Figure 2a the check card issuing application and the check card According to the installment month information, the customer can apply for an installment monthly credit card replacement (or conversion) payment service that allows the customer to process the payment by replacing (or converting) the credit card with a pre-issued credit card. The present invention is not limited.

As described above, the server receiving the check card issuing application information and / or credit card registration information and / or the installment monthly card usage policy information from the customer through the information registration interface means 155, On the basis of the check card issuing application information, it is determined whether to issue a check card to the customer (210a).

According to the method of the present invention, in order to issue the check card to the customer, the customer must have a predetermined customer account opened in a predetermined financial system 560 and must be at least 14 years old. The server may determine whether to issue the check card to the check card issuing customer based on the account information and / or the customer information included in the check card issuing application information.

If the check card issuing application customer does not issue the check card (215a), the server generates predetermined check card issue error information and transmits it to the customer through the information registration interface means 155 (220a). The process of issuing a check card issuing according to the present invention.

On the other hand, if it is possible to issue the check card to the check card issuing customer (215a), the server responds to the check card issuing application information to the customer according to the check card issuing procedure provided to the card company (or financial company). The check card issuing procedure is performed (225a).

During the check card issuing procedure as described above, and / or after performing the check card issuing procedure, the server makes a payment using the check card from the customer through the information registration interface means 155, respectively. Receive the pre-issued credit card registration information for applying for the installment monthly credit card replacement (or conversion) payment service to allow the customer to process the payment by replacing (or converting) with the pre-issued credit card according to the installment month information. Check whether it is (230a).

If the credit card registration information previously issued to the customer has not been received from the customer to apply for a monthly payment credit card replacement (or conversion) payment service (235a), the server checks the storage medium 135 with the check. The predetermined check card information generated in the process of performing the card issuing procedure is stored (240a), and the process of issuing the check card to the customer is terminated.

According to another exemplary embodiment of the present invention, when the credit card registration information previously issued to the customer is not received to apply for a monthly payment credit card replacement (or conversion) payment service from the customer, the server receives the information. Request the virtual credit card issuance to the customer through the registration interface means 155, and if the customer agrees to it, receive the predetermined virtual credit card issuing application information from the customer through the information registration interface means 155 In addition, a procedure of issuing a virtual credit card associated with the check card to the customer may be performed (see FIG. 2B), whereby the present invention is not limited thereto.

On the other hand, if the credit card registration information pre-issued to the customer is received from the customer to apply for an installment monthly credit card replacement (or conversion) payment service (235a), the server includes the customer included in the check card issuing application information. On the basis of the information (or customer information included in the credit card registration information previously issued to the customer), it is checked whether a credit card previously issued to the check card issuing customer exists (245a).

According to the method of the present invention, the step of checking whether the credit card pre-issued to the customer exists, the credit card D / managed by the DBMS 130 and / or DB server 130 based on the customer information It is preferable to include the process of searching for B (140).

If there is no credit card previously issued to the customer as a result of the checking (250a), the server stores the predetermined check card information generated in the process of performing the check card issuing procedure on the storage medium 135 ( 240a), the process of issuing the check card to the customer ends.

According to another embodiment of the present invention, if there is no credit card previously issued to the customer, the server requests the customer to issue a virtual credit card through the information registration interface means 155, and the customer If the user agrees to this, the user can receive the virtual credit card issuing application information from the customer through the information registration interface means 155, and perform a procedure of issuing the virtual credit card to be associated with the check card. (See Fig. 2b), whereby the present invention is not limited.

If there is a credit card pre-issued to the customer as a result of the check (250a), the server extracts the credit card information pre-issued to the customer to associate with the check card (255a), and the check card information and The credit card information pre-issued to the customer and the installment monthly card usage policy information are stored in association with each other (260a).

According to one embodiment of the present invention, the installment monthly card usage policy information may be received from the customer through the information registration interface means 155 as shown in FIG. It is preferable to store the check card information and credit card information previously issued to the customer by linking the received installment monthly card usage policy information.

According to another exemplary embodiment of the present invention, the card usage policy information for each installment month is not received from the customer through the information registration interface means 155 as shown in FIG. 2A, and the DBMS 130 and And / or extracted from predetermined policy information D / B 145 managed by DB server 130, in which case the server installs the extracted payment card information and credit card information previously issued to the customer. It is desirable to store and process the card usage policy information for each month.

According to another exemplary embodiment of the present invention, the card usage policy information for each installment month is not received from the customer through the information registration interface means 155, as shown in FIG. And / or after extracting from the predetermined policy information D / B 145 managed by the DB server 130, the customer may change (or modify) the extracted monthly payment card usage policy information. In this case, the server preferably stores the check card information and credit card information pre-issued to the customer in association with the extracted and / or modified (or modified) monthly installment card usage policy information.

Referring to FIG. 2B, a customer applying for a predetermined check card issuing a predetermined check card issuance through a predetermined information registration interface means 155, and / or pays each installment month for payment using the check card. In accordance with the application for the installment monthly credit card replacement (or conversion) payment service to be replaced (or converted) to a predetermined virtual credit card associated with the check card according to (200b), the customer for this information The check card issuing application information, predetermined virtual credit card issuing application information to be associated with the check card, and / or payment using the check card to the server through the registration interface means 155 according to the respective installment months information. Transfer card usage policy information by installment month to replace (or convert) a predetermined virtual credit card associated with the check card to process payment And (205b).

According to the method of the present invention, the customer applying for the check card issuance application only through the predetermined information registration interface means 155, or as shown in Figure 2b using the check card issuance application and the check card It is possible to apply for a monthly payment credit card replacement (or conversion) payment service to replace (or convert) the payment with a predetermined virtual credit card associated with the check card according to each installment month information. Thereby, this invention is not limited.

Receive the check card issuing application information and / or predetermined virtual credit card issuing application information to be associated with the check card and / or the installment month card usage policy information from the customer through the information registration interface means 155 as described above One server determines whether to issue a check card to the customer based on the check card issuing application information (210b).

If the check card issuing application customer does not issue the check card (215b), the server generates predetermined check card issuing error information and transmits it to the customer through the information registration interface means 155 (220b). The process of issuing a check card issuing according to the present invention.

On the other hand, if it is possible to issue the check card to the check card issuing customer (215b), the server responds to the check card issuing application information to the customer according to the check card issuing procedure provided to the card company (or financial company). The check card issuing procedure is performed (225b).

During the check card issuing procedure as described above, and / or after performing the check card issuing procedure, the server makes a payment using the check card from the customer through the information registration interface means 155, respectively. Issuance of a predetermined virtual credit card to apply for an installment monthly credit card replacement (or conversion) payment service for replacing (or converting) with a predetermined virtual credit card associated with the check card according to the installment month information. Check whether the application information is received (230b).

If the predetermined virtual credit card issuance request information to be associated with the check card has not been received from the customer to apply for a monthly payment credit card replacement (or conversion) payment service (235b), the storage medium 135 ) Stores predetermined check card information generated in the process of performing the check card issuing procedure (240b), and ends the process of issuing the check card to the customer.

According to another exemplary embodiment of the present invention, when the predetermined virtual credit card issuing application information to be associated with the check card is not received from the customer to apply for an installment monthly credit card replacement (or conversion) payment service, the The server checks whether there is a credit card pre-issued to the customer from the credit card D / B 140 by using the customer information included in the check card issuing application information (or virtual credit card issuing application information). If a pre-issued credit card exists to the customer, the pre-issued credit card information is extracted and requested to the customer through the information registration interface means 155 to select a credit card associated with the check card, When the customer selects the credit card, the credit car from the customer via the information registration interface means 155. You can receive the information to perform the step of processing associated with the check card, and (see figure 2a), to which the present invention is not limited.

On the other hand, if the predetermined virtual credit card issuing application information to be associated with the check card has been received from the customer to apply for an installment monthly credit card replacement (or conversion) payment service (235b), the server requests the virtual credit card issuing application information. On the basis of the credit card issuing procedure provided to the card company (or financial company), the credit card issuing procedure is performed to the customer (245b).

According to the implementation method of the present invention, the credit card issuing procedure preferably comprises a customer credit evaluation process using the customer information included in the virtual credit card issuing application information.

If a predetermined virtual credit card issuance to be linked to the check card is not confirmed to the customer as a result of performing the credit card issuing procedure (250b), the server performs the check card issuing procedure on the storage medium 135. The generated predetermined check card information is stored (240b), and the process of issuing the check card to the customer ends.

According to another exemplary embodiment of the present invention, when a predetermined virtual credit card to be associated with the check card is not issued to the customer, the server is included in the check card issuing application information (or virtual credit card issuing application information). Check whether the credit card pre-issued to the customer exists from the credit card D / B 140 using the registered customer information, and if the credit card pre-issued to the customer exists, Extract and request the customer to select the credit card associated with the check card and provided to the customer through the information registration interface means 155. When the customer selects the credit card, the information registration interface means 155 is selected. Receiving the credit card information from the customer through the process can be performed in conjunction with the check card (see Figure 2a) Thereby, this invention is not limited.

On the other hand, if a result of performing a credit card issuance procedure is confirmed that the customer issues a predetermined virtual credit card to be associated with the check card (250b), the server generates predetermined virtual credit card information to be associated with the check card (or credit card). Extraction from the result of the issuance procedure) (255b), and stores the check card information, the virtual credit card information, and the installment monthly card usage policy information in association (260b).

According to one embodiment of the present invention, the installment monthly card usage policy information may be received from the customer through the information registration interface means 155 as shown in FIG. It is preferable to store the check card information and the virtual credit card information by linking the received installment-based card usage policy information.

According to another exemplary embodiment of the present invention, the installment monthly card usage policy information is not received from the customer through the information registration interface means 155, as shown in FIG. 2B, and the DBMS 130 and And / or extracted from the predetermined policy information D / B 145 managed by the DB server 130, in which case the server uses the extracted installment-specific card for the check card information and the virtual credit card information. It is desirable to link and store the policy information.

According to another exemplary embodiment of the present invention, the card payment policy information for each installment month is not received from the customer through the information registration interface means 155, as shown in FIG. 2B, and the DBMS 130 And / or after extracting from the predetermined policy information D / B 145 managed by the DB server 130, the customer may change (or modify) the extracted monthly payment card usage policy information. In this case, the server preferably stores the check card information and the virtual credit card information in association with the extracted and / or modified (or modified) monthly installment card usage policy information.

Figure 3 shows the configuration of an information registration system for payment processing by replacing (or converting) the check card payment with the credit card associated with the check card according to the installment month information after issuing a check card according to an embodiment of the present invention. Drawing.

In more detail, Figure 3 is a predetermined check card issued to a predetermined customer from a predetermined card company (or financial company) through the check card issuing system shown in Figure 1, the check card payment according to the installment month information In order to process payment by replacing (or converting) with a credit card associated with a check card, the check card information previously issued to the customer, the credit card previously issued to the customer and / or a predetermined virtual credit card By installment month, the payment process is performed by replacing (or converting) the credit card information and the payment using the check card with the pre-issued credit card and / or the predetermined virtual credit card according to the installment month information. FIG. 1 shows an information registration system for linking and storing card usage policy information.

If one of ordinary skill in the art to which the present invention pertains, the check card issuance is issued according to the installment month information after issuing a check card within the scope of not violating the core technical matters of the present invention with reference to FIG. Various implementation methods may be easily inferred by replacing (or converting) a credit card associated with a check card to process a payment, and referring to the system configuration shown in FIG. 3 and / or modifying a part of the system configuration. It is apparent that the present invention is not limited by each method of implementation.

The customer who has been issued a predetermined check card through the check card issuing system shown in FIG. 1, applies a predetermined customer terminal 300 to apply for an installment monthly credit card replacement (or conversion) payment service according to the present invention. By using the network 310 and / or communication means 310 to access the information registration server (or device) 100 provided in the card company (or financial company), the customer terminal 300 is a desktop (Desktop) At least one wired terminal including at least one computer and / or notebook, and / or a CDMA based mobile communication terminal and / or a DataTAC / Mobitex type wireless data communication terminal and / or an IEEE 802.16 based portable Internet terminal. It is preferable to include a wireless terminal including one or more.

Referring to FIG. 3, the information registration server (or apparatus) 100 checks the predetermined customer terminal 300 used by the check card issuing customer through the predetermined network 310 and / or the communication means 310. Interface providing unit for providing the information registration interface for the payment processing by replacing (or converting) the payment using the card with the pre-issued credit card and / or a predetermined virtual credit card according to each installment month information ( 305), credit card registration information and / or virtual credit card issuing application information, and / or payment using the check card, previously issued to the customer from the customer terminal 300, according to the installment month information. Receive information to receive installment monthly card usage policy information that allows customers to process payment by replacing (or converting) with a pre-issued credit card and / or a predetermined virtual credit card And the credit card registration information previously issued to the customer from a predetermined credit card D / B 140 when the information receiving unit 105 receives the credit card registration information previously issued to the customer. A virtual credit corresponding to the virtual credit card issuing application information, when the predetermined credit card issuing application information is received by the credit card verification unit 120 and the information receiving unit 105 to check and extract the credit card information When the credit card previously issued to the customer is confirmed through the information generating unit 115 and the credit card verification unit 120 generating card information, the check card information and the pre-issued credit card information are linked. Or when predetermined virtual credit card information is generated through the information generating unit 115, the check card information and the virtual credit card information are processed in association with the storage medium 135. It is characterized in that it comprises an information storage unit 125, the credit card and / or predetermined pre-issued to the customer according to the installment month information of the payment using the check card to the information receiving unit 105 Receive monthly installment card usage policy information to replace (or convert) a virtual credit card of payment and / or install payments using the check card from predetermined policy information D / B 145. The information storage unit 125 when the installment-month-use card usage policy information for the payment processing by replacing (or converting) with the credit card and / or the predetermined virtual credit card previously issued to the customer according to the number of months is extracted. ) Stores the check card information and the virtual credit card information in association with the installment monthly card usage policy information or exchanges the check card information with the check card information. It is characterized in that the pre-issued credit card information is processed in association with the installment monthly card usage policy information and stored.

When the check card issuing customer connects to the information registration server (or device) 100 through a predetermined customer terminal 300, the interface provider 305 pays each installment month. A user interface for replacing (or converting) a pre-issued credit card and / or a predetermined virtual credit card according to the information to process payment, and / or providing the output to the customer terminal 300 for output. A predetermined information registration interface may be provided to the customer terminal 300 through a predetermined network 310 and / or a communication means 310.

According to an embodiment of the present invention, the customer terminal 300 is a wired terminal equipped with a predetermined web browser, and the customer terminal 300 and the information registration server (or device) 100 are TCP / IP (Transmission). When a communication channel is connected through a Control Protocol / Internet Protocol) based network 310 and / or a communication means 310, the interface provider 305 transmits a Hyper-Text Transfer Protocol to the customer terminal 300. It is desirable to provide an information registration interface corresponding to a Hyper-Text Markup Language (HTML) compliant web document corresponding to the protocol.

According to another exemplary embodiment of the present invention, the customer terminal 300 is a wireless terminal equipped with a predetermined wireless Internet browser, and the customer terminal 300 and the information registration server (or device) 100 move based on CDMA. When a communication channel is connected through a communication network, the interface providing unit 305 registers information corresponding to a WML (Wireless Markup Language) / HTML compatible web document corresponding to a WAP (Wireless Application Protocol) / ME (Mobile Explorer) protocol. It is desirable to provide an interface.

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) credit card registration information pre-issued to the customer, and / or predetermined to receive a virtual credit card to be associated with the check card. At least one user interface for inputting (or selecting) virtual credit card issuing application information is preferably included.

In addition, the information registration interface is an installment to replace (or convert) the payment using the check card with a credit card and / or a predetermined virtual credit card pre-issued to the customer according to the installment month information. And a user interface for inputting (or selecting) monthly card usage policy information. The user interface for inputting (or selecting) monthly card usage policy information may be omitted according to the intention of a person skilled in the art. In this case, the information registration server (or device) 100 receives the card usage policy information for each installment month from the policy information D / B 145 managed by a predetermined DBMS 130 and / or DB server 130. It is possible to extract.

According to another exemplary embodiment of the present invention, the interface providing unit 305 allocates the information from the policy information D / B 145 managed by the DBMS 130 and / or the DB server 130 in the information registration interface. It may be provided to the customer terminal 300, including the card usage policy information for each month, in this case, the customer terminal 300 may change (or modify) the card usage policy information for each installment month.

The information receiving unit 105 replaces (or converts) the payment using the check card from the customer terminal 300 with the credit card associated with the check card according to each installment month information, and processes the payment to the customer. And credit card registration information and / or predetermined virtual credit card issuing application information previously issued to the client. In this case, the policy information D / B managed by the DBMS 130 and / or the DB server 130 An installment month-specific card for replacing (or converting) the payment using the check card with a pre-issued credit card and / or a predetermined virtual credit card according to the installment month information from 145 It is desirable to extract the usage policy information.

Also, the information receiving unit 105 replaces (or converts) a payment using the check card from the customer terminal 300 with a credit card associated with the check card according to the installment month information to process the payment. Credit card pre-issued to the customer and / or predetermined virtual credit card issuance application information to the customer, and credit card pre-issued to the customer according to the installment month information for payment using the check card. It is characterized in that for receiving the payment policy information by the installment month to replace (or convert) the virtual credit card of the payment process.

When it is confirmed that the check card issuing application information received by the information receiving unit 105 includes the credit card registration information previously issued to the customer, the credit card checking unit 120 requests the check card issuing application. Based on the customer information included in the information, the card company (or financial company) that issues the check card to the customer (or the card company (or financial company) that issues the check card according to an implementation method may be processed in association with the check card. At least one other card company (or financial company) affiliated with the business to check whether there is a credit card previously issued to the customer in connection with the credit card D / B 140 that stores the credit card information issued to the customer. Characterized in that, if there is a credit card previously issued to the customer, from the credit card D / B 140 to the customer Characterized by extracting the credit card information.

When the check card issuing application information received by the information receiving unit 105 includes a predetermined virtual credit card issuing application information, the information generating unit 115 is a virtual corresponding to the virtual credit card issuing application information. And generating the credit card information, wherein the virtual credit card information is assigned to the card information (eg, credit card number, expiration date, issuer's name, etc.) corresponding to the credit card issued to the customer by the card company (or financial company). Information included), customer information of the credit card issuing member (e.g., customer name, social security number, address, contact information, etc.), credit card operation information (e.g., credit card payment limit amount, cash service limit amount, Total limit amount, point accumulation and payment policy, additional service information, etc.).

When predetermined check card information corresponding to the check card issuing application information is generated by the information generating unit 115, the information storage unit 125 is stored in the check card information previously stored in the storage medium 135. Credit card information pre-issued to the customer and / or predetermined virtual credit card information, and / or payment using the check card, according to the respective installment months information. The installment monthly card usage policy information for replacing (or converting) the virtual credit card to process payment may be linked and stored.

According to an exemplary embodiment of the present invention, the credit card verification unit 120 replaces (or converts) the payment using the check card with the credit card associated with the check card according to the installment months information. When the credit card information previously issued to the customer is confirmed and extracted, the information storage unit 125 stores the check card information previously stored in the storage medium 135 to the credit card information previously issued to the customer. It is preferable to store the information by linking, and when the installment monthly card usage policy information is received from the customer terminal 300 or extracted from the policy information D / B 145, the information storage unit 125 Preferably, the check card information previously stored in the storage medium 135 is stored in association with the credit card information previously issued to the customer and the installment monthly card use policy information. It is.

Figures 4a and 4b is an information registration process for the payment process by replacing (or converting) the check card payment with a credit card associated with the check card according to the installment month information after issuing a check card according to the method of the present invention. Figure is a diagram.

In more detail, Figures 4a and 4b are issued through a check card issuing system shown in Figure 1 from a predetermined card company (or financial company) to issue a predetermined check card to a predetermined customer, and then install payment information on the check card. In order to process the payment by replacing (or converting) the credit card associated with the check card according to the pre-issued check card information, the credit card previously issued to the customer and / or a predetermined virtual credit card. To replace (or convert) the credit card information and the payment using the check card with a credit card and / or a predetermined virtual credit card previously issued to the customer according to each installment month information. As an implementation method for an information registration process of interworking and storing installment policy information for each installment month, specifically, FIG. 4a is provided to the customer. The present invention relates to a method of registering and registering the issued check card information, credit card information previously issued to the customer, and the card usage policy information according to the installment month, and FIG. 4b shows the check card information issued to the customer. And a method of registering the virtual credit card information associated with the check card and the installment monthly card usage policy information in association.

If one of ordinary skill in the art to which the present invention pertains, with reference to the drawings 4a and 4b, after the check card issuance within the range that does not violate the core technical matters of the present invention, the payment information of the installment months In accordance with the present invention, it is possible to easily infer various implementation methods for replacing (or converting) a credit card associated with the check card to process a payment, and refer to the information registration process shown in FIGS. 4A and 4B. It is apparent that the present invention is not limited to each implementation method which is modified by a part of the information registration method. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 4A, a customer who has been issued a predetermined check card based on the check card issuing system shown in FIG. 1 uses the predetermined customer terminal 300 to communicate with the network 310 and / or the communication means 310. When accessing (and / or logging in) to the server (400a), the server makes a payment using the check card to the customer terminal 300 through the network 310 and / or communication means 310 Provide a predetermined information registration interface including a user interface for replacing (or converting) with a previously issued credit card according to each installment month information to process payment (405a), and the customer terminal 300 ) Is a credit card previously issued to the customer through the information registration interface, and / or credit card previously issued to the customer according to the installment month information for payment using the check card. Input (or select) the monthly payment card use policy information to replace (or switch) to draw and transmit to the server (410a).

Thereafter, the server checks whether a credit card previously issued to the customer exists based on the credit card registration information received from the customer terminal 300 (415a).

According to an embodiment of the present invention, the process of checking whether a credit card previously issued to the customer is present, based on the credit card registration information, the credit card managed by the DBMS 130 and / or the DB server 130. It is preferable to include a process of searching for the D / B (140).

If there is no credit card previously issued to the customer as a result of the checking (420a), the server requests a predetermined virtual credit card issuance to the customer terminal 300, and if the customer agrees, the customer terminal ( Receiving predetermined virtual credit card issuance application information from 300, it is possible to perform a procedure for issuing a virtual credit card to be associated with the check card to the customer, whereby the present invention is not limited.

On the other hand, if there is no credit card pre-issued to the customer as a result of the check (420a), the server from the credit card D / B (140) managed by the DBMS 130 and / or DB server 130 to the customer The issued credit card information is extracted for cooperative processing with the check card (425a).

Thereafter, the server installs a monthly payment card to replace (or convert) the payment using the check card from the customer terminal 300 with a credit card previously issued to the customer according to the installment month information. Check whether the usage policy information has been received (430a), if the card payment policy information for each installment month is not received from the customer terminal 300 (435a), the server is the DBMS 130 and / or DB server From the policy information D / B 145 managed at 130, predetermined card usage policy information for each installment month to be associated with the check card is extracted (440a).

The monthly payment card usage policy information is received from the customer terminal 300, and / or the predetermined monthly payment card usage policy information to be associated with the check card is extracted from the predetermined policy information D / B 145. If so, the server stores the check card information previously stored in the storage medium 135 in association with the credit card information previously issued to the customer and the card usage policy information for each installment month (445a).

Referring to FIG. 4B, a customer who has been issued a predetermined check card based on the check card issuing system shown in FIG. 1 uses the predetermined customer terminal 300 to communicate with the network 310 and / or the communication means 310. When the server is connected (and / or logged in) through the network 400b, the server makes a payment using the check card to the customer terminal 300 through the network 310 and / or the communication means 310. And a predetermined information registration interface including a user interface for replacing (or converting) with a virtual credit card associated with the check card according to each installment month information so as to process payment (405b), and the customer terminal ( 300, the virtual credit card issuing application information associated with the check card, and / or payment using the check card through the information registration interface according to the installment month information of each check card and the like. To be replaced with a virtual gyedoen credit card (or switch) to enter the installment over a payment card each month using policy information used for processing (or selection) transmitted to the server (410b).

Thereafter, the server sends the credit card to the customer according to a credit card issuing procedure provided to the card company (or financial company) based on the virtual credit card issuing application information associated with the check card received from the customer terminal 300. Perform the issuing procedure (415b).

If a result of performing a credit card issuance procedure is not confirmed to issue a predetermined virtual credit card to be associated with the check card (420b), the server generates virtual credit card issuing error information and transmits it to the customer terminal 300. In step 425b, the information registration process of replacing (or converting) the payment using the check card with a predetermined virtual credit card according to each installment month information is completed.

On the other hand, if a result of performing a credit card issuance procedure is confirmed that the client issues a predetermined virtual credit card to be associated with the check card (420b), the server generates predetermined virtual credit card information to be associated with the check card (or credit card). Extraction from the result of the issuing procedure) (430b).

Thereafter, the server replaces (or converts) a payment using the check card from the customer terminal 300 with a predetermined virtual credit card according to each installment month information, and performs payment processing by installment month card usage policy information. Is received (435b), if the installment card usage policy information for each month is not received from the customer terminal 300 (440b), the server is the DBMS 130 and / or DB server 130 From the policy information D / B 145 managed in step 145, the card usage policy information for each installment month to be associated with the check card is extracted (445b).

The monthly payment card usage policy information is received from the customer terminal 300, and / or the predetermined monthly payment card usage policy information to be associated with the check card is extracted from the predetermined policy information D / B 145. If so, the server stores the virtual credit card information and the installment monthly card usage policy information in association with the check card information previously stored in the storage medium 135 (450b).

5 is a diagram illustrating a system for processing payment by replacing (or converting) a check card payment with a credit card associated with the check card according to the installment month information according to an embodiment of the present invention.

In more detail, Figure 5 generates a predetermined payment approval request text for a check card payment processing at a merchant equipped with a predetermined payment terminal device 600, and the payment approval request text is a predetermined payment network 550 When transmitted to a predetermined payment server 500 provided in the card company (or financial company), the payment server 500 is linked to the check card information based on the merchant information included in the full payment approval request request is predetermined By reading the installment monthly card usage policy information stored in the storage medium 135 of the system, the payment approval request is approved by the check card payment, or the system configuration for processing the approval by the credit card associated with the check card As for the implementation method, those skilled in the art to which the present invention pertains, the installment month information by referring to and / or modified in this figure 5 In accordance with the various system configurations (e.g., VISA) secure click, and / or the national / BC Internet security payment (Internet) Security Payment (ISP) through an online check card payment system that infers the check card payment according to the installment month information (configure the system to process the payment by replacing (or converting) the credit card associated with the check card) It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

A system for processing payment by replacing (or converting) a check card payment with a credit card associated with the check card according to the installment month information is provided in at least one or more affiliated stores and provides a check card payment 600 ), A card company (or financial company) that is connected to the payment terminal device 600 provided in at least one or more affiliated stores through a predetermined payment network 550 (eg, a value added network (VAN)) and issues the check card. And a payment server 500 which performs a check card payment processing and replaces (or converts) the check card payment with a credit card associated with the check card according to the installment month information. If the check card payment is processed through the check card without being replaced (or converted) by the credit card, the gold associated with the check card It is preferable to include a predetermined financial system 560 in which a loan account is opened.

The payment terminal device 600 generates a predetermined payment approval request text including payment means information, payment information, and merchant information for electronic payment processing, and generates the predetermined payment approval request text in a predetermined payment network 550. Through the payment server 500, and through the payment network 550 is characterized in that the electronic payment processing function for receiving a predetermined payment approval message corresponding to the payment approval request full text. According to the embodiment of the present invention, the payment terminal device 600 preferably comprises a credit authorization terminal (CAT) provided in the affiliated store.

The financial system 560 is characterized in that at least one or more financial accounts associated with the check card is opened, the account system for processing the window services such as credit or reception or trust or foreign exchange occurring in at least one or more branches ( 570), an information system 575 for processing headquarters operations, branch office information support, and customer information management; and an external computer network including the financial system and homes, businesses, stores, and card companies (or financial companies). External system 565 that provides electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), line transfer, call center, financial settlement, etc., and components within the financial system. The interface module 585 corresponding to the middleware platform that provides inter-interfaces, and for performing the respective functions in the components of the financial system. It includes a DBMS (Database Management System) 580 that stores and manages predetermined information required (e.g., a financial account (or financial product), or customer ledger information, or management information, etc.). And / or foreign exchange modules (not shown), investment finance modules (not shown), or international modules (depending on the type of each financial institution (eg commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system). It is possible to further include at least one or more components, such as not shown, by which the present invention is not limited.

According to the implementation method of the present invention, the financial system 560 is characterized in that at least one or more financial accounts associated with at least one check card is opened, the external system 565 of the financial system 560 is It is preferable that the predetermined communication network is connected to the payment server 500 provided in the card company (or financial company) that issued the check card through a predetermined financial network 555 based on a predetermined transaction protocol. To this end, the external system 565 is preferably provided with a check card unit for connecting a communication channel with the payment server 500 based on the transaction protocol.

According to the present invention, when the financial system 560 requests approval of a predetermined check card payment through a predetermined transaction protocol from the payment server 500, the balance of the member account associated with the check card and the After comparing the check card payment authorization request amount, if the balance of the member account is greater than the check card payment authorization request amount, the check card payment approval is approved (and / or the check card payment authorization request amount is Credit card (or financial company) account, and if the balance of the member account is less than the check card payment approval request amount, the check card payment is rejected, whereby the financial system 560 The check card based debit processing requested by the card company (or financial company) is approved or rejected.

The payment server 500 replaces (or converts) the payment using the check card with a credit card and / or a predetermined virtual credit card pre-issued to the customer according to the installment month information, so as to process the payment. Characterized in that the card company (or financial company), and connected to the check card through a predetermined financial network 555 (eg, a dedicated communication network connecting at least one or more card companies (or financial companies) and the financial system 560). The financial account is characterized in that it is connected to the opened financial system 560.

According to an embodiment of the present invention, the payment server 500 includes a storage medium 135 for storing the check card information, credit card information, and installment monthly card usage policy information in association with each other, and / or predetermined. It is preferred to interface with the storage medium 135 via a network and / or interface means. In addition, the payment server 500 may include at least one or more servers (or devices), and / or may include a function configuration unit according to the present invention in a predetermined server (or device). The present invention is not limited by this.

Referring to FIG. 5, the payment server 500 may receive a full payment card-based payment approval request from the at least one payment terminal device 600 provided at an affiliate store through a predetermined payment network 550. And a check card including an information reading unit 510 which reads the payment approval request text and extracts a check card number and predetermined installment month information, and the extracted check card number from the storage medium 135. Extracts the card usage policy information for each installment month stored in association with the information, and reads the card usage policy information for the installment month based on the extracted merchant information to perform payment processing corresponding to the full payment approval request message; Information checking unit 515 to check and determine whether to process the payment by the payment process or by replacing (or converting) with a credit card associated with the check card. And wherein W is made, the credit card associated with the debit card may comprise a virtual credit card issued in connection with a real credit card to the customer, or the at least one debit card.

According to one embodiment of the invention, the payment processing by replacing (or converting) the check card payment with a credit card associated with the check card, crediting the check card payment through a credit card associated with the check card Characterized in that it comprises a payment processing.

According to another embodiment of the present invention, the payment processing by replacing (or converting) the check card payment with the credit card associated with the check card, the check card payment amount through the credit card associated with the check card Characterized in that it comprises the processing of the amount corresponding to the cash service (or card loan).

As a result of the check by the information confirming unit 515, when the check card payment processing is performed using the check card payment means as it is, the payment server 500 stores the payment processing corresponding to the full payment approval request message. It is preferable to further include a check card payment approval unit 520 for performing a check card payment approval procedure based on the check card information stored in the medium 135.

Alternatively, when the check result of the check card payment process of the information confirming unit 515 is approved by the credit card associated with the check card payment processing, the payment server 500 is corresponding to the full text of the payment approval request It is preferable that the payment processing further comprises a credit card payment approval unit 525 for performing a credit card payment approval procedure based on the credit card information stored in the storage medium 135.

Alternatively, when the check result of the information verification unit 515 processes the amount corresponding to the check card payment amount by cash service (or card loan) through the credit card associated with the check card, the payment server 500 is It is preferable to further include a cash service processing unit 530 that performs a cash service (or to a card) procedure procedure based on the credit card information stored in the storage medium 135 for the payment processing corresponding to the full payment approval request. Do.

According to the present invention, if the predetermined function component of the check card payment approval unit 520, credit card payment approval unit 525, or cash service processing unit 530 includes the installment months, the storage medium ( Or a payment approval processing unit that reads the credit card information linked to the check card information and processes the approval corresponding to the payment installment processing using the read credit card information in association with the storage medium operating means. Do this.

According to an embodiment of the present invention, the payment server 500 includes a payment approval result generated by the check card payment approval unit 520, the credit card payment approval unit 525, or the cash service processing unit 530. Including a full text generation unit 535 for generating a predetermined payment approval full text, and a full text transmission unit 655 for transmitting the generated payment approval full text to the payment terminal device 600 through the payment network 550. It is preferable to make.

According to the embodiment of the present invention, the payment server 500, if the check card payment is replaced (or converted) with a credit card associated with the check card, the check card payment credit card associated with the check card It is preferable to further include a customer approval processing unit 545 for requesting and processing a customer approval for being replaced (or converted).

The specialized receiving unit 505 is the payment terminal device 600 through a predetermined payment network 550 according to a check card payment transaction protocol defined between at least one payment terminal device 600 and the card company (or financial company). Characterized in that it receives a check card-based payment approval request full text, the received payment approval request full text is provided to the information reading unit (510).

The information reading unit 510 replaces (or converts) the payment using the check card with the credit card associated with the check card according to the installment month information, and determines whether to process the payment. And extracting the check card number and the installment month number information. The extracted check card number and the affiliated store information are provided to the information checking unit 515.

According to the present invention, the information reading unit 510 performs a function of a full text confirming unit that checks whether a full number of installment months is included in the full text when receiving a payment approval request message using a check card.

The information checking unit 515 checks the check card information including the extracted check card number from the storage medium 135 and extracts the installment monthly card usage policy information which is stored in association with the check card information. .

In addition, the information confirming unit 515 reads out the extracted installment monthly card usage policy information based on the extracted installment month information, and performs payment processing corresponding to the full payment approval request message through the check card. It is characterized by checking and determining whether to process payment or to process payment by replacing (or converting) with a credit card associated with the check card.

If it is determined that the payment processing corresponding to the payment approval request text is made through the check card, the check card payment approval unit 520 extracts a payment amount from the payment approval request text. And a predetermined payment fee is calculated based on the payment amount, and a predetermined approval request amount is calculated by adding the calculated payment fee and the payment amount.

In addition, the check card payment approval unit 520 corresponds to the check card information including the check card number from the storage medium 135 (or check card) based on the check card number extracted from the full payment approval request. And member account information corresponding to the customer account associated with the member bank code, the member account number, and the member branch code.

According to the method of the present invention, when the debit card payment approval unit 520 performs the debit processing through the member account associated with the check card, a predetermined member passbook factor to be printed in the account book corresponding to the member account. It is desirable to generate more content.

Thereafter, the check card payment approval unit 520 is based on a transaction protocol defined between the card company (or financial company) and the financial system 560 through a predetermined financial network 555, the check card number, A predetermined value including the calculated authorization request amount, the account number of the card company (or financial company), the member bank code and the member account number extracted from the storage medium 135, the member branch code, and the contents of the member bank account; It is characterized in that to generate a full debit authorization request request.

In addition, the check card payment approval unit 520 is characterized in that for transmitting the generated debit processing approval request full text to the financial system 560 through the financial network 555, the financial network 555 The debit processing approval result text corresponding to the debit processing approval request full text is received from the financial system 560, and the debit processing approval result is provided to the full text generation unit 535.

According to an exemplary embodiment of the present invention, it is preferable that the entire debit approval result includes a check card-based debit processing approval result for the authorization request amount included in the full debit processing approval request message. Debit processing using is considered approved.

According to another exemplary embodiment of the present invention, the debit approval result preamble includes a check card-based debit processing rejection result and / or a debit processing error code for the authorization request amount included in the debit authorization request preamble. In this case, debit processing using the check card is considered not approved. For example, if the balance of a predetermined customer account associated with the check card is less than the authorization request amount, the financial system 560 includes a check card-based debit rejection result and / or a debit processing error code. Generate the full text of the result and transmit it to the payment server 500.

If it is determined that the payment processing corresponding to the full payment approval request is credited through a credit card associated with the check card, the payment processing result, the credit card payment approval unit 525 determines the payment. Extract the payment amount from the full authorization request, and if the accumulated credit amount including the extracted payment amount exceeds the credit limit amount (or total limit amount) included in the credit card information stored in the storage medium 135; By confirming, the check card payment is replaced (or converted) with the credit card so as to be approved for payment, and the credit approval result is provided to the full text generation unit 535.

When the credit card associated with the check card is a credit card actually issued to the customer according to an exemplary embodiment of the present invention, the credit card payment approval unit 525 replaces (or converts) the check card payment and processes the credit card. By storing the credit card payment details in association with the credit card information, it is preferable that the payment amount is included in the credit card settlement request amount actually issued to the customer to be charged to the customer.

According to another embodiment of the present invention, when the credit card associated with the check card is a virtual credit card associated with the check card, the credit card payment approval unit 525 replaces (or converts) the check card payment. By storing the processed credit card payment details in association with the check card information, so that the payment amount is charged to the customer through the check card, or linking the credit card payment details with the virtual credit card information. It is preferable that the payment amount is included in the virtual credit card settlement request amount so as to be charged to the customer.

If it is determined that the payment amount corresponding to the full payment approval request is processed by a cash service (or a card loan) through a credit card associated with the check card, the cash service processor 530 may be configured. Extract a payment amount from the payment approval request text, calculate a predetermined cash service processing amount from the extracted payment amount, and the cash service processing amount calculated in the credit card information stored in the storage medium 135. By checking whether the service limit amount (or total limit amount) is exceeded, the check card payment amount is processed through the credit card as a cash service (or card loan), and the cash service approval result is generated in the full text. Provided to portion 535.

According to an exemplary embodiment of the present invention, the calculated cash service processing amount includes an amount corresponding to an approval request amount calculated based on the payment amount extracted from the check card-based payment approval request message. desirable.

According to another exemplary embodiment of the present invention, the calculated cash service processing amount is a part of an approval request amount (or the settlement amount) calculated based on the settlement amount extracted from the check card-based payment approval request message. It is preferable to comprise a.

When the credit card associated with the check card is a credit card actually issued to the customer according to an embodiment of the present invention, the cash service processing unit 530 replaces (or converts) the check card payment and is processed. By storing the cash service processing details in association with the credit card information, it is preferable that the cash service processing amount is included in the credit card settlement request amount actually issued to the customer and billed to the customer.

According to another exemplary embodiment of the present invention, when the credit card associated with the check card is a virtual credit card associated with the check card, the cash service processor 530 replaces (or converts) the check card payment and processes the credit card. By storing the cash service processing details in association with the check card information, so that the payment amount is charged to the customer through the check card, or storing the cash service processing details in association with the virtual credit card information. By doing so, the cash service processing amount is preferably included in the virtual credit card settlement request amount to be billed to the customer.

The customer approval processing unit 545 replaces (or converts) the check card payment with the credit card associated with the check card when the check card payment is replaced with (or converts) the credit card associated with the check card. And requesting and processing a customer approval for the service, wherein the process of processing the customer approval is performed by the check card-based electronic payment service according to the present invention when issuing a check card and / or after issuing the check card. At the time of first providing a check card-based electronic payment service according to the present invention before and / or after issuing the check card, and / or providing a check card-based electronic payment service according to the present invention after issuing the check card. It is preferable to include at least one or more viewpoints.

According to an embodiment of the present invention, when issuing a check card to the customer and / or after issuing the check card, before providing the check card-based electronic payment service according to the present invention for the first time, and / or after issuing the check card. Requesting and processing the customer approval for replacing (or converting) the check card payment with the credit card associated with the check card at the time of providing the check card based electronic payment service according to the present invention. The processor 545 requests the customer terminal 300 to replace (or convert) the check card payment with a credit card associated with the check card according to the installment monthly card use policy information, and the customer. If this approval is approved, the check card information and / or installment monthly card usage policy information stored in the storage medium 135 is stored in the customer approval result. It can be made by including in the storage.

According to another embodiment of the present invention, at each point of time of providing a check card-based electronic payment service according to the present invention, customer approval for replacing (or converting) the check card payment with a credit card associated with the check card Requesting and processing the data, the customer approval processing unit 545 transmits the wireless terminal through a predetermined wireless communication network (eg, a CDMA based mobile communication network, an IEEE 802.1x based high speed wireless Internet communication network, a DataTAC / Mobitex based wireless data communication network). Request access to the customer approval processing unit 545 (for example, when the wireless communication network is a mobile communication network, transmit a wireless message including a CallbackURL to the customer wireless terminal, and the customer wireless terminal receives the customer approval through the CallbackURL). Requesting access to the processing unit 545), the wireless terminal transmits the check card payment associated with the check card. It can be achieved by ensuring that inputs a password (symmetric key) for approval to be replaced (or switch) to the card.

A method for requesting and processing a customer approval for replacing (or converting) a check card payment with a credit card associated with the check card at every point of time when the check card-based electronic payment service is provided, the payment terminal When the device 600 is a client terminal that supports an online check card payment service, the customer approval processing unit 545 generates a predetermined authentication number and transmits the predetermined authentication number to the customer wireless terminal through a predetermined wireless communication network. When the terminal inputs the authentication number to the client terminal, the client terminal transmits the authentication number to the customer approval processing unit 545, and the authentication number transmitted to the customer wireless terminal from the customer approval processing unit 545; By comparing the authentication number received from the client terminal.

The method may further include requesting and processing a customer approval for replacing (or converting) the check card payment with a credit card associated with the check card at every point of time when the check card-based electronic payment service is provided. If the payment terminal device 600 is an affiliated store terminal that supports an offline check card payment service, the customer wireless terminal approaches the customer approval processing unit 545 through a predetermined wireless communication network before the check card payment is performed. The customer approval processing unit 545 generates a predetermined authentication number and transmits it to the customer wireless terminal through a predetermined wireless communication network, and then uses a predetermined credit card associated with the check card during check card payment according to the present invention. The authentication number is input to the affiliated store terminal in the process of providing a cash service, and the affiliated store terminal is authenticated. The number may be included in a predetermined payment approval request message and transmitted to the payment server 500.

The method may further include requesting and processing a customer approval for replacing (or converting) the check card payment with a credit card associated with the check card at every point of time when the check card-based electronic payment service is provided. If the payment terminal device 600 is an affiliated store terminal that supports an offline check card payment service, the payment terminal device 600 generates a predetermined authentication number and outputs it to the screen, and then sends the authentication number a predetermined payment approval request. Including the full text, the payment server 500 may be transmitted, and the authentication number output on the screen of the payment terminal device 600 may be transmitted to the customer approval processing unit 545 through the customer wireless terminal.

6 is a diagram illustrating a functional configuration of a payment terminal device 600 according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a predetermined credit card in which the check card payment is linked to the check card by the installment month card use policy information in the payment server 500 of the check card payment through the issued check card. If replaced with (or converted) to the processing method of the payment terminal 600 for processing the same, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure and And / or modify the check card payment when the check card payment is replaced (or converted) with a predetermined credit card associated with the check card, and infers various payment terminal devices 600 for processing the check card payment. As will be appreciated, the invention is intended to include all such inferred practice methods.

Referring to FIG. 6, the payment terminal device 600 basically includes a control unit 605, a memory unit 650, a card reader unit 610, a key input unit 620, a screen output unit 615, and a communication processing unit 630. And a power supply unit 625 for supplying power to the security application module 635, the print output unit 640, and the payment terminal 600, at least one terminal functional unit according to the intention of those skilled in the art (Not shown) and the like.

The control unit 605 controls the overall operation of the payment terminal device 600 in the functional configuration, manages the flow of information or data between each component, and the check card payment from the payment server 500 with the check card In the case of processing by replacing (or converting) with a predetermined credit card associated with the card, the component provided in the payment terminal device 600 is controlled to process the same, and hardware (Central Processing Unit) / At least one processor including an MPU (Micro Processing Unit), an execution memory (for example, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, In addition, in order to perform a function specific to the payment terminal device 600 in software, it is loaded from the predetermined recording medium into the execution memory and loaded by the processor. A predetermined program routine (Routine) and / or program data to be arithmetic (hence, if processed by replacing (or converting) the check card payment with a predetermined credit card associated with the check card, to process it The control unit 605 is provided with a component that can be processed in software from a predetermined program recorded on a recording medium provided in the payment terminal device 600 and / or a functional configuration included in the payment terminal device 600. It is characterized in that).

According to the exemplary embodiment of the present invention, the control unit 605 may include components (eg, the memory unit 650, the card reader unit 610, the key input unit 620, and the screen) provided in the payment terminal device 600. The payment terminal device by interworking the output unit 615, the communication processing unit 630, the security application module 635 and the print output unit 640 and / or the terminal functional unit (not shown) according to the intention of those skilled in the art In addition to controlling and managing providing the check card payment service defined in (600), the payment server 500 is processed by replacing (or converting) the check card payment with a predetermined credit card associated with the check card. In this case, in order to process this, the components provided in the payment terminal device 600 interoperate with each other, and / or check card payment in the payment server 500 is a predetermined credit card associated with the check card Replaced by (or switched to) In order to process this, it is preferable to execute a program recorded in a recording medium provided in the payment terminal device 600.

The memory unit 650 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 600 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 605 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the exemplary embodiment of the present invention, the memory unit 650 stores a storage area for storing payment processing approval details using the check card, and the check server 500 makes a predetermined check card payment associated with the check card. When processing by replacing (or converting) with a credit card, processing a credit card including at least one credit card payment details and / or cash service processing details processed by replacing (or converting) the check card payment with the credit card. It is desirable to have a storage area for storing details.

Check card payment according to the present invention through the payment terminal device 600, the customer, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC 7816 standard contact type IC card (Or wireless IC chip), and / or has a card (or owns) that includes at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443, wherein the card has a credit card, a check It is preferable that a payment means including at least one card, debit card, cash card, financial account is provided.

The card reader 610 may provide an interface for reading at least one or more information or data included in the card, and the information or data read from the card may be a credit card, a check card, a debit card, It is preferable to include payment means information corresponding to a payment means including at least one cash card, financial account.

According to the exemplary embodiment of the present invention, the card reader unit 610 may include an MS reader unit providing an interface between the MS card and the payment terminal device 600, and / or the contact IC card and the payment terminal device ( 600) a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal device 600.

The MS reader unit is a card reader unit 610 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal device 600 by using the loaded.

The contact IC reader unit is a card reader unit 610 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal device 600.

The contactless IC reader unit is a card reader unit 610 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU Characterized in that the interface to the terminal device 600.

The key input unit 620 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or an operation mode of the payment terminal device 600 controlled by the controller 605. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 605. The controller 605 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal device 600, and / or is defined to match the key event. Characteristic for acquiring a command to execute a predetermined function. The key input unit 620 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the payment terminal device 600.

The key input device interoperating with the key input unit 620 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an exemplary embodiment of the present invention, the key input unit 620 may provide key data corresponding to the check card payment service from at least one key input device for the check card payment service defined in the payment terminal device 600. , Payment amount, etc.) is preferably performed.

The screen output unit 615 is a liquid crystal display (LCD) and the liquid crystal display (LCD) by the control unit 605 in the process of the payment terminal device 600 performs a predetermined function (for example, check card payment processing function using a card) And / or output at least one or more information or data which are predefined or defined in real time to be output to a predetermined screen output device including a cathode ray tube (CRT) through a predefined interface screen. The output unit 615 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 600.

Predefined information or data to be output from the payment terminal device 600 to the screen output device, the key data input through the key input unit 620, and / or is provided in the payment terminal device 600 Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processor 630, and / or a predetermined operation result performed by the payment terminal device 600 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 615 is a check card payment processing screen according to each check card payment step to the screen output device for the check card payment service defined in the payment terminal device 600 It is preferable to perform the function of the screen output means for outputting, or outputs the check card payment details and / or credit card payment details or cash service processing details included in the payment approval message received from the payment server 500. It is preferable to perform the function of the screen output means.

The communication processing unit 630 performs a payment network 550 (eg, a value added network (VAN)) while the payment terminal device 600 performs a predetermined function (for example, a check card payment processing function using a card). Terminal (or server) and / or the terminal (or device) connected to the payment terminal device 600 through a predetermined cable and / or the terminal connected to the payment terminal device 600 through a predetermined short-range wireless communication (Or a device) and a predetermined communication means for connecting a communication session, network communication unit for connecting a predetermined communication channel with a payment server 500 on a wired or wireless network, and / or a predetermined cable A cable communication unit for connecting a communication session with a predetermined terminal (or device) through a communication port, and / or a predetermined short-range communication terminal (or device) through at least one short-range wireless communication means. ) Becomes done by including a short range wireless communication unit for connecting the apparatus with a predetermined communication session comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And a communication channel with a payment server 500 on a wired or wireless network through a predetermined wireless network including a wireless data communication network, and to connect the payment terminal device 600 to a predetermined wired or wireless network in hardware. It comprises a modem (Modem) or a Network Interface Card (NIC), and comprises a communication protocol and / or driver for connecting the payment terminal device 600 to the wired and wireless network in software.

The cable communication unit may connect a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software. For example, the cable communication terminal (or device) may include a point of sale (POS) terminal connected to the payment terminal device 600 through cable communication.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). And a predetermined short range communication terminal (or device) and a short range wireless communication session through at least one short range wireless communication means. The infrared communication, RF communication, Bluetooth, wireless LAN, Wi-Fi, and UWB may be connected in hardware. It includes a predetermined short range wireless communication module for short-range wireless communication including, and comprises a communication protocol and / or driver for the private short-range wireless communication in software. For example, the short-range communication terminal (or device) includes a POS terminal connected to the payment terminal device 600 through short-range wireless communication, and / or includes a customer wireless terminal equipped with a predetermined wireless IC chip. If the short-range communication terminal (or device) or the customer wireless terminal equipped with a predetermined wireless IC chip, the communication terminal (or device) based on the basis of the function of the card reader unit 610 Can be performed.

The Secure Application Module (635) is a confidentiality and / or authentication required in the process of the payment terminal device 600 performs the electronic payment and / or check card payment using the card. The payment terminal device without using the authentication server (or payment server 500) on the payment network 550 for security requirements including authentication and / or integrity and / or nonrepudiation. As a safety device for performing a safe and reliable structure within 600, the payment terminal device 600 is processed in the process of performing a predetermined security request function (e.g., electronic payment and / or check card payment function). Encrypt or decrypt a given message (information or data), add an authenticator to prevent forgery (or tampering) of the message, or perform the security request function The information on the features that perform a function for storing important key information.

In general, the security application module 635 is preferably composed of a predetermined security application module 635 inserter and the security application module 635 chip, the security application module 635 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 635 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the payment terminal device 600 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 640 may be configured to perform a predetermined function (for example, a check card payment processing function using a card) of the payment terminal device 600 and / or predetermined information or data generated as a result (for example, And output payment processing result information or data) to a predetermined printing device (eg, a receipt printer), and to print the printing information or data through the predetermined printing device according to a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 6, the payment terminal device 600 includes check card-based payment means information read from a predetermined check card, payment information including a check card payment amount, and a terminal number (or merchant number). Sending the generated check card payment approval request full text through the communication processing unit 630 and the payment message generating unit 650 for generating a check card payment approval request message including merchant information to a predetermined payment network 550 And a receiving unit 660 for receiving a check card payment approval message corresponding to the check card payment approval request message from the payment network 550 through the transmission unit 655, and the communication processing unit 630. Read the full check card payment authorization to confirm that the check card payment details and / or credit card payment details and / or cash service processing details are included. The unit 665 and the received check card payment approval full text are classified by the details and output through the screen output unit, and / or the received check card payment approval full text is divided into the approval details and stored in the memory unit. It is characterized by comprising a specialized processing unit 670.

The payment message generation unit 650 is check card-based payment means information read from a predetermined check card through the card reader unit 610, input from the key input unit 620, and / or the communication processing unit ( Payment information including a check card payment amount received from a predetermined point of sales (POS) terminal through a cable communication unit 630, and merchant information including a terminal number (or merchant number) extracted from the memory unit; Characterized by generating a check card payment approval request made in advance.

The transmission unit 655 transmits the check card payment approval request message generated by the payment message generation unit 650 through a predetermined payment network 550 (eg, a value added communication network through the communication processor 630). Network (VAN)), and the full check card payment approval request is transmitted to the payment server 500 provided in the card company (or financial company) that issued the check card through the payment network 550. do.

Thereafter, the payment server 500 based on the function configuration shown in Figure 6 based on the predetermined monthly payment card use policy information associated with the check card information, the check card payment to the check card Payment processing is carried out by using it as it is, or by replacing (or converting) the check card payment with a credit card associated with the check card, whereby the payment server 500 check card payment history and / or credit card A payment approval message including at least one payment details and / or cash service processing details is generated and transmitted to the payment terminal device 600. The receiver 660 transmits a predetermined payment network through the communication processor 630. From 550, the payment approval text is received.

The approval message reader 665 reads the payment approval message received through the receiver 660, thereby checking the check card payment details and / or credit card payment details and / or cash service processing details included in the payment approval message. It is characterized by reading and confirming.

The approval message processing unit 670 is linked to the screen output unit 615 and / or print output unit 640 and the check card payment history and / or included in the payment approval message received through the receiving unit 660 The credit card payment details and / or cash service processing details may be classified into respective details and output to the screen output device and / or the printing device 645 provided in the payment terminal device 600.

In addition, the approval professional processing unit 670 is linked to the memory unit 650, the check card payment history and / or credit card payment history and / or cash service included in the payment approval message received through the receiving unit 660. It is characterized in that the processing history is classified by each of the details and stored in the memory unit 650 provided in the payment terminal device 600.

7 is a diagram illustrating a check card payment approval request specialized structure according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a predetermined payment network 550 (for example, a value-added communication network) generated by a predetermined payment terminal device 600 including a credit authorization terminal (CAT) for processing a check card payment. Value Added Network (VAN)) is an example of an implementation method for a check card payment approval request specialized structure transmitted to a card company (or a financial company), and a person of ordinary skill in the art to which the present invention belongs, 7 and various modifications may be inferred to those skilled in the art by referring to and / or modifying a check card payment approval request structure according to the intention, but the present invention includes all the implementation methods inferred above, The approval request specialized structure is not limited to that illustrated in FIG.

Referring to Figure 7, the check card payment approval request full-text structure is at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and the end character (ETX (End of TeXt), 0X03) And a checksum (CRC-CCITT) for the specialized information after the terminating character.

The check card payment approval request text includes a transaction classification item (eg, check card payment request, check card payment cancellation, etc.) related to the check card payment, a Terminal_ID item for the payment terminal device 600, and a POS Entry Mode item. And a TRACK II Data item (for example, a PAN (Primary Account Number) area of the TRACK II of the MS card and an AD corresponding to the payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 600). (Check card information obtained from Additional Data) and / or Discretionary Data (DD) areas, and the total number of installment month items corresponding to the check card payment information after a predetermined FS (File Separator, 0X1C) and total It includes payment amount items and service charge items, and also includes working key index items, password items, product code items, and document serial number items. Those skilled in the art to which the present invention pertains can clearly understand the details of the above items based on the contents shown in FIG. 7, and thus detailed description thereof will be omitted.

8A, 8B, and 8C are diagrams illustrating a payment approval specialized structure according to an embodiment of the present invention.

In more detail, FIGS. 8A, 8B, and 8C are a full check card payment approval request message as shown in FIG. 7 from a predetermined payment terminal device 600 to a predetermined card company (or financial company) through a predetermined payment network 550. After transmitting, in the case where the payment server 500 provided in the card company (or financial company) applies the installment monthly card usage policy information associated with the check card information to the check card payment processing, the payment server ( 500 illustrates an implementation method for the payment approval specialized structure received from the payment terminal device 600. Specifically, FIG. 8A shows the check card payment as a result of applying the monthly payment card use policy. The payment approval for the case where the payment is processed using the same as it is, Figure 8b is the result of applying the monthly payment card use policy as a result of the check card payment The payment approval is mixed for the case of credit settlement through a credit card associated with a credit card, and FIG. 8c shows the amount corresponding to the check card payment amount as a result of applying the monthly payment card use policy. This is for a full text of payment approval for processing by cash service (or card loan) through an associated credit card.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present drawings 8a, 8b, and 8c to make a payment approval professional structure corresponding to the check card payment approval request full text as intended by those skilled in the art. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and the present payment approval structure is not limited to those illustrated in FIGS. 8A, 8B, and 8C. For example, the payment approval mixed text shown in FIGS. 8B and 8C may include at least one individual payment approval text (eg, check text payment approval text and credit card payment approval text in the case of FIG. 8B, and check card payment approval in the case of FIG. 8C). Full text and cash service approval), and the present invention is not limited thereto.

8A and 8B and 8C, a check card payment approval full text structure is defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And at least one or more specialized information and a checksum (CRC-CCITT) for the specialized information after the terminating character.

The check card payment approval preamble includes a plurality of approval result items, and each approval result item is classified through a predetermined file separator (0X1C).

The check card payment approval preamble is a transaction classification item (eg, check card payment request, check card payment cancellation, etc.) corresponding to the payment processing result processed by the payment server 500 and Terminal_ID for the payment terminal device 600. Item, status value item (e.g., 'O': check card payment request normal approval, 'X': check card payment request declined), transaction date item, message 1 item, message 2 item, message 3 item, message 4 item, Authorization number items (e.g., if the status value is 'O', check card payment number, or if the status value is 'X', check card payment refusal reason code), purchaser ID item, card company (bank) type name It includes items, issuer ID items, document serial number items, merchant number items, document purchaser items, comment items, HELP DESK PHONE NO items, PIN DATA items, and Control_Flag items. Those skilled in the art to which the present invention pertains can clearly understand the details of each approval result item included in the check card payment approval document with reference to FIGS. 8A, 8B, and 8C. Therefore, detailed description thereof will be omitted.

As a result of applying the card usage policy by the installment month, referring to FIG. 8A corresponding to the payment approval text for the case where the check card payment is processed using the check card as it is, the transaction classification item included in the payment approval text. Is preferably corresponding to the transaction category included in the full check card payment approval request shown in FIG.

Referring to FIG. 8b corresponding to the payment approval mixed text for the case where the check card payment is credited through the credit card associated with the check card, as a result of applying the installment policy for each installment month, the payment approval preamble is Credit card type name item including the credit card type name associated with the check card in the payment approval message shown in FIG. 8a, and the credit payment transaction classification item corresponding to the classification of credit settlement transactions through the credit card associated with the check card. And a credit payment amount item including a credit payment amount through a credit card associated with the check card, and a credit payment status value item through a credit card associated with the check card (eg, 'O': credit settlement normal processing). , 'X': credit payment processing error), and a credit authorization number item (e.g., the status value item is 'O') through the credit card associated with the check card. The credit card approval number through the credit card associated with the check card, or, if the status value item is 'X', a credit payment rejection reason code through the credit card associated with the check card, etc.) Characterized in that made.

As a result of applying the monthly payment card usage policy, the amount corresponding to the payment amount of the check card is corresponding to the full payment approval mixed message when the amount corresponding to the payment amount of the check card is processed by the cash service (or card loan) through the credit card associated with the check card. Referring to FIG. 8, the payment approval message may include a credit card type name item including a credit card type name associated with the check card, and a cash service through the credit card associated with the check card. A cash service transaction category corresponding to the transaction classification, a cash service transaction amount item including a cash service processing amount through a credit card associated with the check card, and a cash service status value through a credit card associated with the check card. Item (e.g., 'O': cash processing normal processing, 'X': cash processing processing error) and the credit card associated with the check card. A cash service authorization number item (e.g., if the status value item is 'O', a cash service authorization number through a credit card associated with the check card, or if the status value item is 'X', the check card) And a reason code for rejecting cash service through a credit card associated with the same).

According to another exemplary embodiment of the present invention, some of the information included in the details replaced (or converted) by the credit card associated with the check card is a message 3 item and / or message 4 included in the full check card payment approval It may be included in the item may be received by the payment terminal device 600, whereby the present invention is not limited.

Hereinafter, the check card shown in FIG. 7 from the payment terminal device 600 shown in FIG. 6 to the payment server 500 provided in the card company (or financial company) based on the payment system configuration shown in FIG. 5. In the case of transmitting the full payment approval request, the payment server 500 associates the payment using the check card with the credit card issued to the customer and / or the check card based on predetermined monthly payment card use policy information. A preferred implementation method for replacing (or converting) a predetermined virtual credit card so as to process a payment will be described. However, payment processing is performed by replacing (or converting) a payment using the check card with a credit card issued to the customer and / or a predetermined virtual credit card associated with the check card based on the installment monthly card usage policy information. The embodiment is not limited only to the drawings and descriptions shown below, and those skilled in the art to which the present invention pertains, refer to and modify the drawings and descriptions shown below to remind the payment using the check card. It will be possible to infer various implementation methods of payment processing by replacing (or converting) with a credit card issued to a customer and / or a predetermined virtual credit card associated with the check card. Include.

9 is a diagram illustrating a process of generating a full payment approval request message from the payment terminal device 600 and transmitting the generated payment approval message to the payment server 500 according to an embodiment of the present invention.

Specifically, FIG. 9 is a payment server 500 provided at a card company (or financial company) in the payment terminal device 600 shown in FIG. 6 based on the payment system configuration shown in FIG. As an exemplary embodiment of the present invention, a person having ordinary knowledge in the art to which the present invention pertains may receive a check card payment approval request. The terminal device 600 may infer various implementation methods for generating the check card payment approval request full text and transmitting it to the payment server 500, but the present invention is not limited to the inferred implementation method.

Referring to FIG. 9, the payment terminal device 600 recognizes a card provided with a predetermined check card payment means through a predetermined card reader, reads out the check card payment means information from the card (900), A check card payment information including a payment amount is input through a predetermined key input device, and / or a payment amount is received from a predetermined POS terminal (905), and a memory unit provided in the payment terminal device 600 ( In step 910, affiliated store information including the terminal number (or affiliated store number) is extracted (910).

Thereafter, the payment terminal device 600 generates a predetermined check card payment approval request message including the check card payment means information, the check card payment information, and the affiliated store information as shown in FIG. The complete payment approval request is transmitted through a predetermined payment network 550 to the payment server 500 provided in the card company (or financial company) that issued the check card (920).

FIG. 10 is a diagram illustrating a process of applying a monthly payment card use policy to a check card payment request corresponding to a full payment approval request in a payment server 500 according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a check card payment approval request corresponding to the full payment approval request received from the payment terminal device 600 through the process illustrated in FIG. As an embodiment of the present invention, a method of determining whether to process a payment using the check card by applying a card use policy or to process a payment by replacing (or converting) with a credit card associated with the check card, Those skilled in the art can refer to and / or modify this drawing 10 to apply the installment-monthly card usage policy stored in the storage medium 135 to the check card payment approval request according to one of ordinary skill in the art. Although the method of implementation may be inferred, the present invention is not limited to the method of inference inferred. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 10, when a server provided to the card company (or financial company) receives a predetermined payment approval request message from the payment terminal device 600 through a predetermined payment network 550 (1000), Read the payment approval request specialized structure to extract the card number corresponding to the payment means information (1005), and the received payment approval request full text in conjunction with the storage medium 135 based on the card number according to the present invention Check whether the payment card payment approval request is complete (1010).

If the received payment approval request text is not the check card payment approval request text according to the present invention (eg, if the extracted card number is not a check card number) (1015), the server receives the received payment approval request text. A predetermined payment process corresponding to the process is performed (1020).

On the other hand, if the received payment approval request full text is a check card payment approval request text according to the present invention (for example, if the extracted card number is a check card number) (1015), the server checks the check card payment approval request full text structure. Read and extract the check card number and installment month information from the full check card payment approval request (1025), and checks the check card information including the extracted check card number from the storage medium 135 (1030) .

If the check card information including the check card number is not confirmed from the storage medium 135 (1035), the server transmits the full check card payment approval request through the check card payment means including the check card number. Payment processing

On the other hand, if the check card information including the check card number is confirmed from the storage medium 135 (1035), the server is stored in the monthly payment card use policy associated with the check card information from the storage medium 135 Extracts information (1040), and reads the installment usage card information for each installment month extracted from the storage medium 135 based on the installment month information extracted from the payment approval request message; In operation 1045, it is determined whether the corresponding check card payment request is processed through the check card payment means, or whether the payment is processed by replacing (or converting) with a credit card payment method associated with the check card.

According to an exemplary embodiment of the present invention, the card usage policy information for each installment month is when the number of installment months included in the full payment approval request is "0" (for example, when requesting a lump sum payment is approved). If the payment process is used as it is, and the installment months included in the full payment approval request is "N (N> 1)" (for example, when requesting approval of the installment payment), the check card payment is transferred to the check card. It is desirable to replace (or convert) the credit card with the associated credit card to process the payment.

According to another exemplary embodiment of the present invention, the card usage policy information for each installment month is the number of the installment months included in the full payment approval request "0" (for example, when requesting a lump sum payment approval). If the payment is processed using the same, and the installment months included in the full payment approval request is "N (N> 1)" (for example, when requesting the payment for the installment payment), the monthly payment amount of the payment amount is It is preferable to use the check card as it is to process payment, and the remaining installment amount is replaced (or converted) with a credit card associated with the check card so that the payment is processed.

If it is determined that the check card payment request is to be processed through the check card payment means (1050), the server is linked with the financial system 560 opened a customer account associated with the check card. 11 and 13 and 14 perform the check card payment approval procedure.

On the other hand, if it is determined that the check card payment request is to be processed through a credit card payment means associated with the check card (1050), the server checks the check card payment as shown in FIG. Credit card payment approval process through a credit card associated with the credit card, or as shown in Figure 15 processing the amount corresponding to the check card payment amount through a credit card associated with the check card through a cash service (or card loan) Perform cash advance procedures.

Hereinafter, when the installment monthly card use policy information is "0" in the installment months included in the full payment approval request (for example, when requesting a lump sum payment), payment processing is performed using the check card as it is. If the installment months included in the payment approval request text is "N (N> 1)" (for example, when requesting approval of the installment payment), replace the check card payment with a credit card associated with the check card ( Or a payment processing method according to the present invention will be described through an embodiment to convert payment). However, the payment processing method according to the present invention is not limited to the following embodiments, and those of ordinary skill in the art to which the present invention belongs, the card usage policy information for each installment month is described with reference to the following embodiments. When the installment month number included in the payment approval request text is "0" (for example, when requesting a lump sum payment approval), the payment card is used as it is, and the installment month included in the payment approval request text. If the number is "N (N> 1)" (e.g., requesting approval of an installment payment), the current installment amount of the payment amount is processed using the check card as it is, and the remaining payment amount is checked. It would be easy to infer an implementation method of replacing (or converting) with a credit card associated with the card so that the payment is processed, and the present invention is not limited thereto. The.

11 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request in a payment server 500 through a check card according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates that the storage medium is determined to process a payment approval request corresponding to the full payment approval request message through the check card payment means, as a result of applying the monthly payment card use policy shown in FIG. As an exemplary embodiment of the present invention, a payment approval request corresponding to the full payment approval request text is processed through the check card information (or the check card information corresponding to the full text of the payment approval request) stored in 135. If the person skilled in the art, with reference to the Figure 11 and / or modified to process the payment approval request corresponding to the full payment approval request in the payment server 500 in accordance with the intention to those skilled in the art through the check card payment means Various implementations may be inferred, but the present invention is not limited to the inferred implementations. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 11, when it is determined that the payment approval request corresponding to the full payment approval request message is processed through the check card payment means, as a result of applying the monthly payment card use policy shown in FIG. Extract a predetermined payment amount from the full payment approval request (1100), calculate a check card payment fee by applying a predetermined check card fee rate to the extracted payment amount (1105), and extract the check card payment amount and the extracted The predetermined amount of the approval request is calculated by adding up the check card fees (1110).

According to another embodiment of the present invention, if the installment monthly card usage policy information is the number of installment months included in the full payment approval request "0" (for example, when requesting a lump sum payment approval), the check card is left as it is. If the installment month is included in the full payment approval request, and the installment month number is "N (N> 1)" (for example, when requesting approval of the installment payment), the current installment amount of the payment amount is checked. When the payment process is performed using the card as it is, and the remaining payment amount is replaced (or converted) with a credit card associated with the check card, the server pays the payment amount of the current month of the payment amount to the check card. It can be extracted (or calculated) by the amount of money.

Thereafter, the server extracts a card company account number, a member bank code, a member account number, a member point code, etc. included in the check card information from the storage medium 135 based on the extracted check card number (1115). After the check card-based debit processing to generate the contents to be printed in the member account (1120), as shown in Figure 12, the check card number, card company account number, authorization request amount, member bank code, member account number Generate a check card debit processing approval request message including a member point code and the bank account printing contents (1125), and generate the check card debit processing approval request text including a predetermined financial network (555); In operation 1130, the financial system 560 corresponding to the code is transmitted.

12 is a diagram illustrating a check card debit processing approval request specialized structure defined between the payment server 500 and the financial system 560 according to an embodiment of the present invention.

More specifically, FIG. 12 shows that the payment server 500 is connected to the financial system 560 between a payment server 500 provided at the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. As an exemplary method for a specialized structure for requesting a debit processing approval request for the check card, a person having ordinary skill in the art to which the present invention pertains will refer to and / or modify this drawing 12 and will be skilled in the art. It will be possible to infer the entire debit authorization request request debit card according to the intention, but the present invention includes, but is not limited to all implementation methods inferred.

Referring to FIG. 12, the payment server 500 moves to the financial system 560 between a payment server 500 provided at the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. The debit authorization for the debit card requesting the debit authorization for the debit card includes a common part of 57 bytes and an individual part of 293 bytes, wherein the common part is the payment server for the check card-based payment processing. Characterized in that it is commonly included in all transaction data transmitted and received between the 500 and the financial system 560. Those skilled in the art to which the present invention pertains will clearly understand the items defined in the common part of the check card debit authorization request full text, and thus the detailed description thereof will be omitted for convenience.

The individual unit of the check card debit processing approval request specialist is a check card number item (CARD-NUM) received from the payment terminal device 600 to the payment server 500 through the composite approval request message, and the authorization request amount is The card company account number item (ACCOUNT) to be withdrawn from the member account to be processed and the approval request amount item (APRV) calculated by adding up a predetermined fee and a payment amount received from the payment terminal device 600 through the multi-authorization request message. -AMT), a member bank code item (BANK-CDE), a member account number item (PAN), and a member branch code (BRAN-CDE) item extracted from the storage medium 135 based on the check card number. And a member bank statement content item (INFO), and further comprising a reservation (FILLER) for maintaining a block size of 293 bytes of the individual part.

FIG. 13 is a diagram illustrating an operation process of the financial system 560 which receives the full check card debit processing approval request from the payment server 500 according to the embodiment of the present invention.

More specifically, FIG. 13 receives a check card debit processing approval request message as shown in FIG. 12 from the payment server 500 in the financial system 560 in which a customer account associated with the check card is opened, and checks the check card and the like. As shown in FIG. 1, a method for providing a service provided to the payment server 500 by checking whether the debit card is approved based on the balance of the associated member account is shown in the related art. Those skilled in the art may refer to and / or modify this drawing 13 to infer a variety of provisioning methods for approving a debit card payment as intention to those skilled in the art, but the present invention encompasses all inferred implementation methods. The service providing method is not limited to that shown in FIG.

Referring to FIG. 13, the financial system 560 receiving the full check card debit processing approval request as shown in FIG. 12 from the payment server 500 provided in the card company (or the financial company) through the same process as in FIG. 11, The authorization request amount, the member account number, and the member branch code are extracted from the check card debit processing approval request text (1300), and the balance information of the member account is extracted using the member account number and the member branch code (1305). .

Thereafter, the financial system 560 confirms whether or not the check card debit processing approval corresponding to the preamble of the check card debit processing approval request by comparing the approval request amount with the member account balance information (1310). According to the implementation method, if the balance of the member account is greater than the authorization request amount, and the transfer of the authorization request amount from the member account to the financial account corresponding to the card company account number included in the preamble of the check card debit processing authorization request is possible. The check card debit authorization for the full check card debit authorization request is determined.

If the check card debit authorization is not confirmed (1315), the financial system 560 generates a predetermined check card debit authorization result including the check card debit denied (or debit error) (1320). ).

On the other hand, when the check card debit authorization is confirmed (1315), the financial system 560 generates a predetermined check card debit authorization result including the check card debit authorization (1325).

Thereafter, the financial system 560 generates a predetermined check card debit processing approval result text including the check card debit processing approval result (1330), and generates the generated check card debit through a predetermined financial network 555. The entire process approval result is transmitted to the payment server 500 that transmits the check card debit processing approval request full text (1335).

14 is a diagram illustrating an operation process of the payment server 500 that receives the full check card debit processing approval result from the financial system 560 according to the embodiment of the present invention.

In more detail, FIG. 14 illustrates an embodiment of a service providing process of a payment server 500 that receives a full check card debit processing approval result through the process shown in FIG. 13 from the financial system 560 associated with the check card. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14 and customer credit-based cash service according to the present invention during check card payment according to the intention to those skilled in the art. It is possible to infer various service providing methods for the payment server 500 for providing a / card loan service, but the present invention includes all the inferred implementation methods, the service providing method is limited to that shown in Figure 14 It never happens. Hereinafter, in FIG. 14, the payment server 500 is referred to as a "server" for convenience.

Referring to FIG. 14, the payment server 500 receiving the full check card debit processing approval result from the financial system 560 associated with the check card through the process as shown in FIG. 13, approves the received check card debit processing. The full text of the result is read to check whether the debit card is approved (1400).

If the debit authorization of the check card debit authorization request is denied (e.g., the member account balance is less than the authorization request amount) (1405), the server rejects the debit card debit (or debit). Error) generates a predetermined check card payment approval result including the result (1410).

On the other hand, if the check card debit processing approval read result of the check card debit processing authorization request is confirmed (1405), the server generates a predetermined check card payment approval result including the check card debit processing approval result (1415).

When the check card payment approval result is generated as described above, the server generates a predetermined check card payment approval message including the check card payment approval result as shown in FIG. 8A (1420), and generates the check card payment approval. The full text is transmitted to the payment terminal 600 through the payment network 550 (1425), and a check card payment completion procedure corresponding to the payment approval text is performed.

15 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request in a payment server 500 through a credit card associated with a check card according to an embodiment of the present invention.

In more detail, FIG. 15 shows that the payment approval request corresponding to the full payment approval request message is processed through credit card payment means associated with the check card as a result of applying the monthly payment card use policy shown in FIG. If it is determined to, the payment approval request corresponding to the full payment approval request through the credit card information stored in the storage medium 135 (for example, credit card information stored in the storage medium 135 by being associated with the check card information) As an embodiment of the present invention, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 15 to complete the payment approval request from the payment server 500 according to the intention of the person skilled in the art. It is possible to infer various implementation methods for processing the credit approval through the credit card payment method associated with the check card. However, the present invention is not limited by the above-mentioned inferred method. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 15, as a result of applying the monthly payment card use policy shown in FIG. 10, it is determined that the credit approval process corresponding to the full payment approval request is processed through a credit card payment means associated with the check card. If the server, the server extracts the credit card information associated with the check card information including the extracted check card number from the storage medium 135 (1500), and the predetermined payment amount from the full text of the payment approval request Extraction (1505).

According to another embodiment of the present invention, if the installment monthly card usage policy information is the number of installment months included in the full payment approval request "0" (for example, when requesting a lump sum payment approval), the check card is left as it is. If the installment month is included in the full payment approval request, and the installment month number is "N (N> 1)" (for example, when requesting approval of the installment payment), the current installment amount of the payment amount is checked. If the payment process is made using the card as it is, and the remaining installment amount is replaced (or converted) with a credit card associated with the check card, the server allocates the remaining installment amount excluding the current installment amount of the payment amount. From the following month can be extracted (or calculated) as the amount of credit card payments.

Thereafter, the server compares the accumulated payment amount including the extracted settlement amount with the credit settlement limit amount (or total limit amount) included in the credit card information stored in the storage medium 135, thereby comparing the settlement amount. In operation 1510, it is possible to approve the credit settlement through the credit card payment means corresponding to the credit card information.

If the payment approval request cannot approve the credit payment through the credit card payment means (1515), the server associates the check card payment error result and the check card payment approval request with the check card as shown in FIG. A predetermined payment approval message including a credit card payment error result using the credit card payment means is generated (1520).

On the other hand, if the payment approval request can approve the credit payment through the credit card payment means (1515), the server performs a credit payment approval procedure for the payment amount through the credit card payment means associated with the check card. Perform (1530).

If the credit settlement approval process through the credit card payment means associated with the check card is completed (1530), the server through the check card payment details and the credit card associated with the check card as shown in Figure 8b Generate a payment approval text including credit card payment details (1535), and store the credit card payment details through credit card associated with the check card in association with credit card information associated with the check card (1540). In step 1545, the generated payment approval message is transmitted to the payment terminal device 600 through the payment network 550.

According to an embodiment of the present invention, the credit card payment details are stored in association with credit card information associated with the check card, so that the payment amount included in the credit card payment details is not the check card and the check card. It is preferred that the customer be billed for settlement on the associated credit card settlement date.

Subsequently, the payment terminal device 600 receives and reads the payment approval message through the payment network 550 and transmits the check card payment approval message to the check card payment approval message and the credit card associated with the check card. Check whether the credit card payment details are included (1550).

If the payment approval message does not include the check card payment details and credit card payment details through a credit card associated with the check card (for example, if only the check card payment details are included) (1555), the payment terminal The device 600 outputs through the screen output device and / or printing device provided in the payment card device 600, the check card payment included in the payment approval (1560), and to the payment terminal device 600 The check card payment details are stored in the provided memory unit 650 (1565).

On the other hand, if the payment approval message includes the check card payment details and the credit card payment details through the credit card associated with the check card (1555), the payment terminal device 600 is included in the payment approval message. The check card payment history and the credit card payment history through the credit card associated with the check card are classified for each of the details and output to the screen output device provided in the payment terminal device 600 and / or through the printing device (1570). In the memory unit 650 included in the payment terminal device 600, the check card payment details and credit card payment details through a credit card associated with the check card are classified and stored by storage area (or description). (1575).

FIG. 16 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server 500 through a credit card associated with a check card according to an embodiment of the present invention. to be.

In more detail, FIG. 16 shows a cash service (or card loan) through a credit card payment means associated with the check card, as a result of applying the monthly payment card use policy shown in FIG. If it is determined to process the information through the credit card information, the credit card information stored in the storage medium 135 (for example, the credit card information stored in the storage medium 135 is processed in association with the check card information) corresponding to the full payment approval request As an embodiment of the present invention, a payment approval request is processed through a cash service (or card loan) through a credit card payment means associated with the check card. The payment approval request corresponding to the full payment approval request in the payment server 500 in accordance with the intention to the skilled person by referring to and / or modified the Would be able to infer a variety of exemplary methods of processing through the cash (or card loans) with the credit card payment method associated with the card, the present invention is not limited by the exemplary method of the inference. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 16, as a result of applying the monthly payment card use policy shown in FIG. 10, a cash approval (or card loan) through a credit card payment means associated with the check card is applied to the payment approval request corresponding to the full payment approval request. If it is determined to process through), the server extracts the credit card information associated with the check card information including the extracted check card number from the storage medium 135 (1600), the full payment approval request message The predetermined payment amount is extracted from the 1605.

Thereafter, the server compares the accumulated amount of cash service including the extracted settlement amount with the cash service limit amount (or total limit amount) included in the credit card information stored in the storage medium 135, thereby comparing the settlement amount. In operation 1610, it is possible to process through a cash service (or card loan) through the credit card payment means corresponding to the credit card information.

If the payment approval request cannot be processed through the cash service (or card loan) through the credit card payment means (1615), the server sends the check card payment error result and the check card payment approval request as shown in FIG. In operation 1620, a predetermined payment approval text including a cash service processing error result including a failure to process through a cash service (or a card loan) through a credit card payment means associated with the check card is generated.

On the other hand, if the payment approval request can be processed through a cash service (or card loan) through the credit card payment means (1615), the server provides a predetermined cash service through the credit card payment means associated with the check card. A processing amount is calculated (1625), the calculated cash service processing amount is processed by a cash service (or card loan) through a credit card payment means associated with the check card (1630), and the check card as shown in FIG. 8B. Generate a payment approval message including a payment history and a cash service processing history through the credit card associated with the check card (1635), and check the cash service processing history through the credit card associated with the check card; The credit card information associated with the processing is stored in association with (1640), and the payment terminal approved through the payment network 550 the full payment authorization message And it transmits it to 600 (1645).

According to an embodiment of the present invention, by storing the cash service processing details in association with the credit card information associated with the check card, the payment amount included in the credit card payment history is not the check card and the check card. It is preferred that the customer be billed for settlement on the associated credit card settlement date.

Subsequently, the payment terminal device 600 receives and reads the payment approval message through the payment network 550 and transmits the check card payment approval message to the check card payment approval message and the credit card associated with the check card. Check whether the cash service processing details are included (1650).

If the payment approval message does not include the check card payment details and the cash service processing details through the credit card associated with the check card (for example, if only the check card payment details are included) (1655), the payment terminal The device 600 outputs through a screen output device and / or a printing device provided in the payment card device 600, the check card payment included in the payment approval (1660), to the payment terminal device 600 The check card payment details are stored in the provided memory unit 650 (1665).

On the other hand, if the payment approval message includes the check card payment details and the cash service processing details through the credit card associated with the check card (1655), the payment terminal device 600 is included in the payment approval message. The check card payment details and the cash service processing details through the credit card associated with the check card are classified by the details and output to the screen output device provided in the payment terminal device 600 and / or through the printing device (1670). In the memory unit 650 included in the payment terminal device 600, the check card payment details and the cash service processing details through the credit card associated with the check card are classified and stored by storage area (or description). (1675).

According to the present invention, during the payment processing using the check card, the payment processing of the check card payment approval request as it is through the check card according to whether or not the installment payment processing of the payment approval request based on the installment monthly card use policy or Or, in connection with a credit card previously issued to the customer or a check card based on a predetermined customer credit, can be replaced (or converted) with a virtual credit card virtually issued to the customer and processed in a postpaid format. There is an advantage to that.

According to the present invention, in the case of payment processing using a check card, when an installment payment for the payment approval request is requested based on the installment monthly card use policy, the monthly installment amount is processed through the check card and the rest The installment amount may be processed in connection with a credit card previously issued to the customer or a virtual credit card virtually issued to the customer based on a predetermined customer credit to be virtually issued to the customer. There is an advantage to this.

Claims (10)

An information storing step of storing the customer check card information in a predetermined storage medium in association with the customer credit card information in the predetermined information storing means; A full text confirmation step of confirming whether a full-month installment is included in the full text by a predetermined text verification means when receiving the full payment approval request message using the check card; And As a result of the check, if the preamble includes the installment months, the predetermined payment approval processing means reads the credit card information linked to the check card information in association with the storage medium (or storage medium operating means), A payment approval processing step of processing an approval corresponding to the payment installment processing using the read credit card information; and the payment installment processing method of a check card using a credit card. The method of claim 1, wherein the payment approval processing step, Process the payment installment authorization for the entire payment authorization request amount using the credit card information; or The amount corresponding to the first installment month of the payment approval request amount is processed using the check card information, and then the payment installment processing for the amount corresponding to the remaining installment months is approved using the credit card information. Payment installment processing method of a check card using a credit card, characterized in that. The method of claim 1, wherein the credit card information, Credit card information actually issued to the customer, and / or The payment installment processing method of a check card using a credit card, comprising the virtual card information. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information storage means for processing the customer check card information in association with the customer credit card information and storing the information on a predetermined storage medium; Full text confirmation means for confirming whether the payment includes the number of installment months when receiving the full payment approval request using the check card; And As a result of the checking, when the preamble includes the installment months, the credit card information linked to the check card information is read in association with the storage medium (or storage medium operating means), and the read credit card information is read. Payment approval processing means for processing an approval corresponding to the payment installment processing by using; the payment installment processing system for a check card using a credit card, comprising: a. The method of claim 5, wherein the credit card information, Credit card information actually issued to the customer, and / or Payment installment processing system for a check card using a credit card, characterized in that comprises a virtual card information. The method of claim 5, wherein each of the means, On a single server, or Payment installment processing system for a check card using a credit card, characterized in that provided in a plurality of servers. When receiving the payment approval request full text using a check card, the full text confirmation unit to check whether the installment months included in the full text; And As a result of the checking, when the preamble includes the installment months, the credit card information linked to the check card information is read in association with the storage medium (or storage medium operating means), and the read credit card information is read. And a payment approval processing unit configured to process an approval corresponding to the payment installment processing by using the credit card payment installment processing device. According to claim 8, The payment installment processing device, Consists of a single server, or A payment installment processing device for a check card using a credit card, comprising a plurality of servers. A computer-readable recording medium having recorded thereon a program for executing a function of the apparatus component of claim 9.

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