KR20070072806A - System and method for processing payment in installment of check card, devices for processing admission of payment and recording medium - Google Patents

Abstract

A system and a method for processing installment payment of a check 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 requesting an account manager to set withdrawal lock for an allotment to a payment account corresponding to the check card. A message checker checks whether a number of installment is included in a payment approval request message when the payment approval request message of using the check card is received. An installment payment processor(520) requests the account manager to set the withdrawal lock for the allotment to the payment account of the check card if the number of installment is included in the payment approval request message. An allotment payment processor(530) releases the withdrawal lock set to the payment card and withdraws the allotment from the payment account by each number of installment linking with the account manager.

Description

System and Method for Processing Payment in Installment of Check Card, Devices for Processing Admission of Payment and Recording Medium}

1 is a diagram showing the configuration of an information registration system for payment processing by setting an installment lock on a customer account associated with the check card when an installment request for the check card payment is made in accordance with an embodiment of the present invention. to be.

FIG. 2 is a diagram illustrating an information registration process for setting up an installment lock in a customer account associated with the check card when a request for payment for the check card is made in the process of issuing a check card according to an embodiment of the present invention. FIG. to be.

3 is a diagram showing the configuration of an information registration system for payment processing by setting an installment lock on a customer account associated with the check card when an installment request is made for the check card payment after issuing a check card according to an embodiment of the present invention. .

FIG. 4 is a diagram illustrating an information registration process for setting up an installment lock in a customer account associated with the check card and requesting payment after issuing a check card according to an embodiment of the present invention. .

FIG. 5 is a diagram illustrating a system for processing a payment by setting a payment lock for a check card payment in a customer account associated with the check card according to the installment months 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 and 8B 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.

11A and 11B illustrate a process of processing a payment approval request corresponding to a full payment approval request in a payment server through a check card according to an embodiment of the present invention.

12A and 12B are views 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.

13A and 13B are diagrams illustrating an operation process of a financial system that receives a full check card debit processing approval request 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 or full check card installment processing approval result from a financial system according to an embodiment of the present invention.

<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, a payment approval processing device, and a recording medium therefor.

A check card uses a conventional credit card-based electronic payment system resources, 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, and thus may not be able to process electronic payments in the form of post-payments such as credit cards.

An object of the present invention, when receiving a payment approval request message using a check card, check whether the installment months are included in the preamble, and if the check result, the installment months are included in the preamble, the payment corresponding to the check card Request an installment payment withdrawal lock for the installment payment settlement process to the account management means for managing an account, and set a withdrawal prevention lock for the amount corresponding to the installment payment in the check card payment account; In connection with the account management means, to provide a payment installment processing system and method of the payment card for releasing the lock set in the payment account of the check card every month corresponding to the installment months and processing the settlement payment .

The payment installment processing method of the check card according to the present invention comprises: a full-text confirmation step of confirming whether a full-month installment is included in the full-text in a predetermined text confirming means when receiving a payment approval request message using the check card; As a result of the checking, when the preamble includes the installment months, an installment payment prevention unit for managing the installment payment settlement to the account is an account management means for managing a payment account corresponding to the check card in a predetermined installment payment processing means. A lock setting request step of requesting lock setting; And a lock setting step of setting a withdrawal prevention lock for the amount corresponding to the installment payment in the check card payment account in the account management means. The installment payment settlement processing step of releasing the lock set in the payment account of the check card and processing the installment payment every month corresponding to the installment months, in connection with the account management means in a predetermined payment settlement processing means; It characterized by comprising;

According to the present invention, the step of setting the lock, characterized in that the withdrawal prevention lock is set for the amount corresponding to the remaining number of installment months except the amount corresponding to the first installment month.

According to the present invention, in the installment payment settlement step, the lock set on the check card payment account is released, and when the settlement process is performed for the amount corresponding to the second installment payment amount of the payment approval request amount, the remaining installment months The withdrawal prevention lock is reset for the amount corresponding to the number.

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

On the other hand, the payment installment processing system of the check card according to the present invention, when receiving a payment approval request full text using a check card, the professional confirmation means for checking whether the installment months included in the full text; If the check result indicates that the installment months are included in the preamble, an installment settlement request for setting an installment payment withdrawal prevention lock for the installment payment settlement process to the account management means for managing a payment account corresponding to the check card. Processing means; Account management means for setting a withdrawal prevention lock for the amount corresponding to the installment payment in the check card payment account; And installment payment settlement processing means for releasing the LOCK set in the payment account of the check card and processing settlement of the installment payment every month corresponding to the installment months in association with the account management means. It is done.

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 card payment installment processing apparatus according to the present invention, when receiving 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 an installment requesting an installment payment withdrawal prevention lock setting for the installment payment settlement process to the account management means for managing a payment account corresponding to the check card, when the verification result indicates that the preamble includes the installment months. A payment processing unit; And an installment payment settlement processing unit for processing the settlement of the installment payment in association with the account management means every month corresponding to the installment months.

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 described above is 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 appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It 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 showing the configuration of an information registration system for payment processing by setting an installment lock on a customer account associated with the check card when an installment request is made for the check card payment in the process of issuing a check card according to an embodiment of the present invention. to be.

In more detail, Figure 1 shows a check card information issued to a customer at a given card company (or financial company), and the installment lock setting information for the customer account associated with the check card. And a configuration of an information registration system for linking and storing installment monthly card use policy information for setting a lock on a customer account associated with the check card and processing a payment when an installment request for the check card payment is made. As an implementation method, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1, and a predetermined card company (or financial company) does not violate the core technical matters of the present invention. In the case of issuing a check card to a predetermined customer and requesting an installment request for payment of the check card issued to the customer account associated with the check card, Although various implementation methods for the information registration system for setting a bouillon lock may be easily inferred, the present invention may refer to the system configuration shown in FIG. 1 and / or modify a part of the system configuration. It is to be clearly understood that the present invention is not limited by each method of implementation.

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 in an offline manner. 155) (for example, 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, thereby providing the present invention. This 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) terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone And / or Telematics and / or DataTAC / Mobitex wireless data communication terminals and / or IEEE 802.16 based portable Internet terminals 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 device) 100 basically includes a function configuration (not shown) for issuing a check card and registering information, and upon requesting an installment payment for the issued check card. In order to process payment by setting an installment lock in a customer account associated with the check card, predetermined check card issuance application information, and / or a customer account associated with the check card, is provided through the information registration interface means 155. The installment request information for the customer account associated with the check card is received by the information receiving unit 105 for receiving the installment lock request information for the payment card and the information receiving unit 105 via the information registration interface means 155. Information check unit 110 and check card information corresponding to the check card issuing application information is generated, and the information receiving unit 110 confirms that the information is received. An information generation unit 115 for generating installment lock setting information for the customer account associated with the check card, when installment lock request information for the customer account associated with the predetermined check card is received; The check card information generated by the information generator 115 is stored in a predetermined storage medium 135, and the installment lock setting for the customer account associated with the predetermined check card through the information generator 115 is performed. When the information is generated, the check card information and the installment lock setting information for the customer account associated with the check card is provided with an information storage unit 120 for storing in the storage medium 135 Characterized in that, when the payment request for payment of the check card payment to the information receiving unit 105 through the information registration interface means 155 to set the payment lock on the customer account associated with the check card to process the payment. To set the installment lock on the customer account associated with the check card when the request for the payment of the installment month is received, and / or the payment request for the check card payment from the predetermined policy information D / B 145. When the installment monthly card use policy information for payment processing is extracted, the information storage unit 120 the installment lock setting information for the check card information and the customer account associated with the check card the installment month card It is characterized by storing in association with the usage policy information.

In addition, the information registration server (or device) 100 is linked with the check card according to the installment month card use policy based on the lock setting information in conjunction with a financial system in which a customer account associated with the check card is opened. Characterized in that it comprises a customer account management unit 125 for managing to set the installment lock to the linked customer account.

Referring to FIG. 1 according to an embodiment of the present invention, the check card information, the installment lock setting information for the customer account associated with the check card, and the installment monthly card use policy information are processed and stored in association with each other. Although the medium 135 is illustrated as being provided in a predetermined DBMS (DateBase Management System) 130 and / or DB server 130, the storage medium 135 is stored in the information registration server (or device) 100 It may be provided, whereby the present invention is not limited. In addition, the DBMS 130 and / or DB server 130 installs a monthly payment card use policy to set the payment lock payment to the customer account associated with the check card when the payment request for the payment card payment It is preferable to manage the policy information D / B (145) that stores at least one or more card usage policy including the information.

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 installment lock request information for the customer account associated with the check card has not been received through the information registration interface unit 155. Subsequently, the information registration server (or device) 100 allocates an installment lock to the customer account associated with the check card when the check card issuing payment request is issued from the check card issuing customer through the system configuration as shown in FIG. Receive installment lock request information for a customer account associated with the check card to set up and process payment; and / or a customer associated with the check card upon request for an installment payment for the check card from the check card issuing customer. Receive installment monthly payment card usage policy information to set payment in the account for payment processing, or from the policy information D / B 145 managed by a predetermined DBMS 130 and / or DB server 130 In case of requesting payment for the check card payment, installment lock is set in a customer account associated with the check card and the payment policy for monthly payment is used. Can be extracted.

In addition, the information receiving unit 105 is connected to the check card issuing application information and the check card payment from the check card issuing application customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 155 When requesting for the installment, the payment request for the installment lock for the customer account associated with the check card can be received in order to settle the payment by setting the installment lock in the customer account associated with the check card, in this case the information confirmation unit 110 confirms that the installment lock request information for the customer account associated with the check card has been received through the information registration interface means 155. Subsequently, the information registration server (or device) 100 allocates an installment lock to the customer account associated with the check card when the check card issuing payment request is issued from the check card issuing customer through the system configuration as shown in FIG. Receive card payment policy information for each installment month to set up and process payment, or from the policy information D / B 145 managed by a predetermined DBMS 130 and / or DB server 130 for the check card payment. When requesting an installment, it is possible to extract the installment use card information for each month to settle an installment lock on a customer account associated with the check card.

In addition, the information receiving unit 105 is connected to the check card issuing application information and the check card payment from the check card issuing application customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 155 When requesting the payment for the installment lock request information for the customer account associated with the check card and the payment request for the payment of the payment card to set up a payment lock in the customer account associated with the check card It is possible to receive the payment policy information for the installment month by setting the installment lock to the customer account associated with the check card, in this case, the information check unit 110 is the information registration interface means (155) Through the installment lock request information for the customer account associated with the check card and the card usage policy information for each installment month received through Check the.

The information checking unit 110 is a customer account associated with the check card when requesting for payment of the check card payment to the check card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105. Set the installment lock to the payment characterized in that it checks whether the installment lock request information for the customer account associated with the check card is included.

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 generation unit 115 requests the installment lock for the customer account associated with a check card in the check card issuing application information received by the information checking unit 110 to the information receiving unit 105. If it is confirmed that the information is received, the installment lock setting information for the customer account associated with the check card corresponding to the installment lock request information for the customer account associated with the check card, characterized in that for generating .

According to the method of the present invention, the installment lock setting information for the customer account associated with the check card is the amount corresponding to the total payment amount through the check card when the installment payment request through the check card; It is preferable to include information for setting the lock to prevent the withdrawal from the account arbitrarily.

When predetermined check card information corresponding to the check card issuing application information is generated by the information generating unit 115 (for example, the installment lock request information for the customer account associated with the check card is not received). Case), the information storage unit 120 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 be assigned to installment lock setting information for a customer account associated with the check card, and / or to the check card payment in the check card information stored in the storage medium 135 through a system configuration as shown in FIG. 3. In the case of request for payment for installment, the installment lock on the customer account associated with the check card may be stored in association with the card usage policy information for each installment month for payment processing.

In addition, by setting the payment card information corresponding to the check card issuance request information by the information generation unit 115 and the installment lock on the customer account associated with the check card when the payment request for payment of the check card payment When the installment lock setting information for the customer account associated with the predetermined check card is generated for processing (for example, the information receiving unit 105 sends the check card issuing application information and the customer account associated with the predetermined check card). When the installment lock request information is received), the information storage unit 120 processes the generated check card information and the installment lock setting information for the customer account associated with the check card in the storage medium. And a customer account associated with the check card information and the check card stored in the storage medium 135 through the system configuration as shown in FIG. In the installment lock setting information for the payment card, the installment lock for the check card payment is set in the installment lock in the customer account associated with the check card to install the payment process by the monthly payment card usage policy information may be further linked and stored. have.

If the customer account management unit 125 generates installment lock setting information for the customer account associated with the check card by the information generation unit 115, and the financial system in which the customer account associated with the check card is opened; It is characterized in that the management to set the installment processing lock on the customer account by interlocking.

According to an embodiment of the present invention, the credit card company (or financial company) and the financial system in which the customer account associated with the check card is opened, the business alliance for setting the installment processing lock in the customer account is preferably concluded. Preferably, the customer account manager 125 manages the installment processing lock on the customer account according to the business cooperation.

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. In order to process the payment processing using the card payment means to installment payment, it is preferable to include the policy information to set and process the installment lock in the customer account associated with the check card. 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), the check card payment is associated with the check card to process the installment payment. Set a lock so that the amount corresponding to the check card payment amount is not withdrawn from the remaining balance of the customer account, and the monthly installment amount of the payment amount is withdrawn (or immediately) the current month's payment date and the remaining payment amount is processed next month. May include policy information to withdraw payment by a certain amount during the installment period.

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 area II, record the media storage information on a medium (for example, a magnetic strip in the case of an MS card) included in a blank card corresponding to an MS card, and store the medium storage information. Characterized in that the delivery of the check card (or provided) to the customer.

2 is a diagram illustrating an information registration process for setting a payment lock on a customer account associated with the check card when a request for payment for the check card is made in the process of issuing a check card according to an embodiment of the present invention. to be.

More specifically, Figure 2 is a payment card information issued to the customer when a predetermined card company (or financial company) as shown in Figure 1, the payment card information issued to the customer, and for the installment of the customer account associated with the check card In the information registration process of linking and storing the lock setting information and the installment lock card use policy information for setting the installment lock in the customer account associated with the check card when the request for the payment for the check card payment is made. It is about the implementation method.

If one of ordinary skill in the art to which the present invention pertains, the check card is issued to a predetermined customer at a predetermined card company within the scope of not violating the core technical matters of the present invention with reference to FIG. When requesting payment for payment, various implementation methods for setting payment for payment by setting an installment lock on a customer account associated with the check card may be easily inferred, and refer to the information registration method shown in FIG. Alternatively, it will be 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. 2, a customer applying for a check card issuance request for issuance of a check card through a predetermined information registration interface means 155, and / or upon requesting an installment for the check card payment. Apply for a check card-based installment payment service to set the installment lock for the associated customer account to process payment (200), for which the customer issues the check card to the server through the information registration interface means (155) When requesting the payment of the application information and the payment of the check card, the payment information for the installment monthly card usage policy is set so as to set up an installment lock in the customer account associated with the check card to process the payment (205).

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 the check card issuance application and the check card payment as shown in FIG. When requesting for an installment, a payment card-based installment payment service, which allows payment processing by setting an installment lock on a customer account associated with the check card, may be applied at the same time, and the present invention is not limited thereto.

Through the information registration interface means 155, the payment card issuance request information and / or the installment lock request information and / or the installment monthly card use policy information for the customer account associated with the check card is provided. The received server determines whether to issue a check card to the customer based on the check card issuing application information (210).

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 customer 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 (215), the server generates predetermined check card issuing error information and transmits it to the customer through the information registration interface means 155 (220). 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 (215), the server corresponds 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 (225).

During the check card issuing procedure as described above, and / or after performing the check card issuing procedure, the server requests an installment for the check card payment from the customer through the information registration interface means 155. In order to apply for a check card-based installment payment service for setting up an installment lock in a customer account associated with the check card to process payment, check whether the installment lock request information for the customer account associated with the check card is received ( 230).

If the installment lock request information for the customer account associated with the check card has not been received from the customer in order to apply for the check card based installment payment service (235), the server sends the check card to the storage medium 135. The predetermined check card information generated in the process of performing the issuing procedure is stored (240), and the process of issuing the check card to the customer is terminated.

On the other hand, if the installment lock request information for the customer account associated with the check card is received from the customer in order to apply for the check card-based installment payment service (235), the server allocates the customer account associated with the check card. Generate installment lock setting information for the customer account through the lock request information (245), installment lock setting information for the customer account associated with the check card information and the check card and the use of the installment month-specific card The policy information is linked and stored (250).

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. 2, 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 sets the installment lock for the check card information and the customer account associated with the check card. Preferably, the information is stored by linking the extracted installment-based card usage policy information.

3 is a diagram showing the configuration of an information registration system for payment processing by setting an installment lock on a customer account associated with the check card upon request for an installment payment for the check card after issuing a check card according to an embodiment of the present invention. .

In more detail, Figure 3 is a check card issuing system 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 when the payment request for payment of the check card payment Check card information previously issued to the customer, installment lock setting information for the customer account associated with the check card, and payment for the check card in order to set payment for the installment lock in the customer account associated with the check card. Figure 1 shows the configuration of an information registration system for storing and coordinating and storing installment-based card usage policy information to set payment for payment by setting an installment lock in a customer account associated with the check card when an installment request is made.

If one of ordinary skill in the art to which the present invention belongs, the check card is issued when the request for the payment of the check card payment after issuing a check card in a range that does not violate the core technical matters of the present invention with reference to FIG. Various implementation methods may be easily inferred by setting an installment lock in a customer account associated with the payment system, and referring to the system configuration shown in FIG. 3 and / or by modifying a part of the system configuration. It is clear that the present invention is not limited by the respective implementation methods.

The customer who has been issued a predetermined check card through the check card issuing system shown in FIG. 1 uses the predetermined customer terminal 300 to apply for the check card-based installment payment service according to the present invention. And / or via the communication means 310 to the information registration server (or device) 100 provided in the card company (or financial company), wherein the customer terminal 300 is a desktop computer and / or notebook ( A wired terminal including at least one notebook, and / or a wireless terminal including at least one 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 comprise a.

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. An interface providing unit 305 for providing an information registration interface for setting a payment lock in a customer account associated with the check card and processing a payment when an installment request for card payment is made; and the check card from the customer terminal 300. Installment lock request information for a customer account associated with the payment, and / or installment lock card usage policy to set the installment lock on the customer account associated with the check card when the payment request for payment of the check card payment processing When the information receiving unit 105 for receiving information and the installment lock request information for the customer account associated with the predetermined check card are received by the information receiving unit 105, An information generation unit 115 for generating installment lock setting information for the customer account associated with the check card corresponding to the installment lock request information for the associated customer account, and the predetermined information through the information generation unit 115. When the installment lock setting information for the customer account associated with the check card is generated, the check card information and the installment lock setting information for the customer account associated with the check card are processed and stored in the storage medium 135. And an information storage unit 120, and a customer account associated with the check card when the payment request for the check card payment is made to the information receiving unit 105 through the information registration interface unit 155. Installment lock is set in the installment lock to receive payment card usage policy information for each month, and / or from the predetermined policy information D / B (145) for the check card payment When the installment lock is set to install payment locks in the customer account associated with the check card to install payment policy information for each month, the information storage unit 120 is the check card information and the check card Installment lock setting information for the customer account associated with the characterized in that the processing by storing in conjunction with the installment card use policy information for each month.

When the check card issuing customer accesses the information registration server (or device) 100 through a predetermined customer terminal 300, the interface providing unit 305 requests the installment of the check card payment. And a user interface configured to set a payment lock in a customer account associated with the payment account, and / or provide a predetermined information registration interface that can be output to the customer terminal 300 and outputted. Or it characterized in that provided to the customer terminal 300 through the 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 preferably comprises a user interface for inputting (or selecting) installment lock request information for a customer account associated with the check card.

In addition, the information registration interface is a user for inputting (or selecting) the monthly payment card use policy information to set the installment lock on the customer account associated with the check card when the request for payment for the check card payment processing It is preferable to include an interface, the user interface for inputting (or selecting) the card usage policy information for each installment month according to the intention of those skilled in the art may be omitted, in this case, the information registration server (or device) 100 It is possible to extract 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.

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 sets a payment lock in a customer account associated with the check card when the payment request for the check card payment from the customer terminal 300, the customer account associated with the check card for payment processing Receiving installment lock request information for the, characterized in that in this case the payment request for the payment card payment from the policy information D / B (145) managed by the DBMS 130 and / or DB server 130 It is preferable to extract the installment usage card information for each month to set the installment lock on the customer account associated with the check card to process the payment.

In addition, the information receiving unit 105 is associated with the check card to set the installment lock on the customer account associated with the check card when the payment request for the check card payment from the customer terminal 300 to process the payment. Receive installment lock request information for a customer account, and installment lock request information for the payment month by setting an installment lock on a customer account associated with the check card when the installment request for payment of the check card is received. It features.

When the check card issuing application information received by the information receiving unit 105 includes the installment lock request information for the customer account associated with the predetermined check card, the information generating unit 115 receives the check card. And installment lock setting information for the customer account associated with the check card corresponding to the installment lock request information for the customer account associated with the service card.

When the predetermined check card information corresponding to the check card issuing application information is generated by the information generating unit 115, the information storage unit 120 stores the check card information previously stored in the storage medium 135. Installment lock setting information for the customer account associated with the check card, and / or installment lock for setting the installment lock on the customer account associated with the check card when payment is requested for payment of the check card. Card usage policy information may be stored in association.

If the customer account management unit 125 generates installment lock setting information for the customer account associated with the check card by the information generation unit 115, and the financial system in which the customer account associated with the check card is opened; It is characterized in that the management to set the installment processing lock on the customer account by interlocking.

According to an embodiment of the present invention, the credit card company (or financial company) and the financial system in which the customer account associated with the check card is opened, the business alliance for setting the installment processing lock in the customer account is preferably concluded. Preferably, the customer account manager 125 manages the installment processing lock on the customer account according to the business cooperation.

4 is a diagram illustrating an information registration process for setting up an installment lock in a customer account associated with the check card after payment of the check card after issuing a check card according to an embodiment of the present invention. .

In more detail, FIG. 4 is a check card issued by a predetermined card company (or financial company) through a check card issuing system shown in FIG. Check card information previously issued to the customer, installment lock setting information for the customer account associated with the check card, and payment for the check card in order to set payment for the installment lock in the customer account associated with the check card. An install method for an information registration process for linking processing and storing installment-based card use policy information for payment processing by setting an installment lock in a customer account associated with the check card when an installment request is made.

If one of ordinary skill in the art to which the present invention belongs, the check card when the installment request for the check card payment after issuing a check card in a range that does not violate the core technical matters of the present invention with reference to this figure 4 It will be easy to infer various implementation methods to set payment in the installment lock in the customer account associated with the payment process, see the information registration process shown in Figure 4 and / or modified a part of the information registration method It is apparent that the present invention is not limited by each method of implementation. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 4, 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 server 400, the server installs the payment card payment to the customer terminal 300 through the network 310 and / or the communication means 310. In response to the request, a predetermined information registration interface including a user interface for setting a payment lock in a customer account associated with the check card and processing payment is provided (405), and the customer terminal 300 registers the information. Installment lock request information for the customer account associated with the check card through the interface, and / or installment lock for the customer account associated with the check card when the installment request for payment of the check card is set. Installment over a payment card each month, type using policy information (or selected) to be processed is transferred to the server (410).

Subsequently, the server uses the installment lock request information for the customer account associated with the check card received from the customer terminal 300 to request a payment of the installment through the check card, and to the customer account associated with the check card. Installment lock setting information for the customer account for setting the installment lock is generated (415).

If the installment lock setting information for the customer account associated with the check card is generated (420), the server requests a payment for the check card payment from the customer terminal 300, the customer account associated with the check card Set the installment lock to the payment to check whether the installment monthly card use policy information received to receive (425), if the installment monthly card use policy information is not received from the customer terminal 300 (430) The server extracts predetermined monthly installment card usage policy information to be associated with the check card from the policy information D / B 145 managed by the DBMS 130 and / or the DB server 130 (435). )

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 payment card information previously stored in the storage medium 135 in association with the installment lock setting information for the customer account associated with the check card and the installment monthly card use policy information ( 440).

FIG. 5 is a diagram illustrating a system for processing a payment by setting a payment lock on a customer account 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 card usage policy information for each installment month stored in the storage medium 135 of the card, the payment approval request is approved as a check card payment, or an installment lock is set in the old account associated with the check card. As a method for implementing a system configuration to those skilled in the art to which the present invention pertains, reference to and / or modifications to FIG. Various system configurations (e.g., assured clicks on Visa, and / or National / BC's) to set up a payment card for payment according to the installment month information and set a payment lock in a customer account associated with the check card. A system for processing payment by setting a payment lock on a check account payment to a customer account associated with the check card through an online check card payment system corresponding to Internet Security Payment (ISP). It may be practiced by analogy), but the present invention includes all of the inferred implementation method, and is not limited to the implementation method shown in FIG.

A system for processing payment by setting a payment lock payment to a customer account associated with the check card according to the installment month information, is provided in at least one affiliated store, payment terminal device 600 for providing a check card payment ), 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 for performing a check card payment processing and setting a installment lock on a customer account associated with the check card for check card payment according to the installment month information. Characterized in that, preferably comprises a predetermined financial system 560 opened a financial account associated with the check card.

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. An interface module 585 corresponding to a middleware platform that provides inter-interfaces, and for performing respective functions in components in 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 is approved (and / or the check card payment authorization request amount from the member account is (Or a financial company), and, on the contrary, 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 is provided to the card company (or financial company) in order to process the payment by setting the installment lock on the customer account associated with the check card when the payment request for payment of the check card payment, A financial account associated with the check card is connected to the opened financial system 560 through a financial network 555 (e.g., a dedicated communication network connecting at least one or more card companies (or financial companies) and the financial system 560). It is characterized by.

According to an embodiment of the present invention, the payment server 500 is provided with a storage medium 135 for storing the check card information, the installment lock setting information for the customer account and the installment monthly card use policy information in association. Or, and / or interlock with the storage medium 135 via some 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; Or an information checking unit 515 to check and determine whether to process the payment by setting an installment lock in a customer account associated with the check card. Characterized in that made.

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 verification unit 515 by setting the installment lock on the customer account associated with the check card, the payment server 500 corresponds to the full text of the payment approval request Set the installment lock to the open account based on the installment lock setting information for the customer account stored in the storage medium 135 to the payment processing, and using the check card through the installment lock set in the open account It is preferable to further comprise an installment processing unit installment processing unit 530 for processing the installment payment.

According to an embodiment of the present invention, the payment server 500 generates a preamble for generating a predetermined payment approval text including a payment approval result generated by the check card payment approval unit 520 or the installment processing unit 530. It is preferable to include a 535, and a specialized transmission unit 655 for transmitting the generated payment approval full text to the payment terminal device 600 through the payment network 550.

According to the embodiment of the present invention, the payment server 500, if the payment card payment is set in the installment lock to the customer account associated with the check card, the check card payment customer account associated with the check card It is preferable to further comprise a customer approval processing unit 545 for requesting and processing a customer approval for the installment lock in the.

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 or more 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 sets the installment lock in the customer account associated with the check card according to the installment month information to determine whether to process the payment using the check card. The check card number and the installment month number information are extracted. 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 by setting an installment lock on a customer account 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 authorization result text 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 text. Preferably, debit processing using the check card is considered unauthorized. 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 payment approval request full text is set by the installment lock in the customer account associated with the check card, the payment processing unit 530 may approve the payment. And extracting a payment amount from the entire request, and setting a lock so that the amount corresponding to the extracted payment amount is not withdrawn from the balance of the customer account by interlocking with the financial system so that payment approval is processed. The approval result is provided to the full text generation unit 535.

According to an embodiment of the present invention, the installment processing unit 530 releases the lock of the customer account associated with the check card every month corresponding to the installment months, and settles the check card-based payment amount. Do.

The customer approval processing unit 545 sets the installment lock for the check card payment to the customer account associated with the check card when the check card payment is set for the installment lock to the customer account 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 setting the installment lock to the customer account associated with the check card at the time of providing the check card based electronic payment service according to the present invention. The processing unit 545 requests the customer terminal 300 to process the check card payment by setting an installment lock in a customer account 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 definition is stored in the storage medium 135. This can be done by storing it in the beam.

According to another embodiment of the present invention, at the time of providing a check card-based electronic payment service according to the present invention, the customer approval for setting the installment lock on the customer account associated with the check card payment is performed. 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), and the wireless terminal associates the check card payment with the check card. A predetermined password (symmetric key) for approval to be set a lock for dividing the customer account can be made by ensuring that input.

A method for requesting and processing a customer approval for setting a payment lock on a check account payment to a customer account associated with the check card at each time of providing the check card based electronic payment service, 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 from the customer approval processing unit 545 to the customer wireless terminal; By comparing the authentication number received from the client terminal.

In addition, at the time of providing the check card-based electronic payment service every request method for requesting and processing the customer approval for the installment lock on the customer account associated with the check card payment, wherein the 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 the predetermined authentication number to the customer wireless terminal through a predetermined wireless communication network, and installs a lock on the customer account associated with the check card during check card payment according to the present invention. In the process of providing an installment payment service by setting the input the authentication number to the merchant terminal, the merchant end Is the authorization code may be made and transmitted to the payment server 500, including the predetermined request payment authorization professional.

In addition, at the time of providing the check card-based electronic payment service every request method for requesting and processing the customer approval for the installment lock on the customer account associated with the check card payment, wherein the When 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, Figure 6 shows that the check card payment is allotted to the customer account associated with 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 the processing is set to the processing, and the payment terminal device 600 for processing the same, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. 6 and / or If the check card payment during the check card payment is processed by setting the installment lock on the customer account associated with the check card, it can be inferred by various payment terminal device 600 for processing this, It is to be understood that the present invention encompasses all of the above inferred methods of implementation.

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 device 600, at least one terminal function unit ( Omission).

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, the check card payment in the payment server 500 the check card In the case of processing by setting the installment lock in the customer account associated with the, characterized in that for controlling this component to be provided in the payment terminal device 600, hardware (Central Processing Unit) / MPU in hardware And at least one processor including a micro processing unit, an execution memory (for example, a register and / or random access memory (RAM)), and a bus for inputting and outputting predetermined data. In order to perform a function specific to the payment terminal device 600 in software, it is loaded from a predetermined recording medium into the execution memory and operated by the processor. A predetermined program routine (Routine) and / or program data to be processed (hence, if the check card payment has been processed by setting an installment lock in a customer account associated with the check card, the payment terminal to process it) The control unit 605 is provided with a component that can be processed in software from among a predetermined program recorded on a recording medium provided in the device 600 and / or a functional configuration provided in the payment terminal device 600. It is characterized in that it is made.

According to the exemplary embodiment of the present invention, the control unit 605 may include components (for example, 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), when the payment server 500 processes the check card payment by setting an installment lock on a customer account associated with the check card, In order to process this, the components provided in the payment terminal device 600 are controlled to interoperate with each other, and / or the payment server 500 installs a check card payment to the customer account associated with the check card. Is processed by setting That executing a program recorded on a recording medium provided in the payment terminal device 600 to is preferred.

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 payment processing approval history using the check card, and the customer account associated with the check card for the check card payment in the payment server 500. In the case where the installment lock is set and processed, the storage area for storing the installment payment processing history corresponding to the check card-based installment payment is preferably provided.

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 part is a card reader part 610 based on ISO / IEC 14443. The contactless IC reader part may be at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It comprises one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the payment 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). A keyboard device having a key) and a function key, and / or have at least one numeric key and a function key in conjunction with the screen output means, and / or have 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 the screen output means for outputting the check card payment details and / or installment payment processing details included in the payment approval message received from the payment server 500. It is desirable to perform the function.

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, a 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 communication A cable communication unit for connecting a communication session with a predetermined terminal (or device) via a port, and / or a predetermined short-range communication terminal (or device) via 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. An approval message reader 665 for reading the check card payment approval text and checking whether the check card payment details and / or installment payment processing details are included; and the received check card It is characterized in that it is provided with an approval specialization processing unit 670 for dividing the payment approval full text by the details and output through the screen output unit, and / or divide the received check card payment approval full text by the approval history and store it in the memory unit. It is done.

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.

Subsequently, the payment server 500 based on the function configuration shown in FIG. 6 based on the predetermined monthly payment card usage policy information associated with the check card information, the check card payment is left as it is. Payment processing by using the payment card or by setting an installment lock on a customer account associated with the check card for payment by the check card, and the payment server 500 processes the check card payment and / or installment payment. A payment approval message including at least one record is generated and transmitted to the payment terminal device 600. The receiving unit 660 receives the payment approval from a predetermined payment network 550 through the communication processor 630. Characterized in receiving the full text.

The approval message reader 665 reads and confirms the check card payment details and / or installment payment processing details included in the payment approval message by reading the payment approval message received through the receiving unit 660. It is done.

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 It is characterized in that the installment payment processing details are 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 specialized processing unit 670 classifies the check card payment details and / or installment payment processing details included in the payment approval message received through the receiving unit 660 in association with the memory unit 650 for each of the details. To store 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 and 8B are diagrams illustrating a payment approval specialized structure according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B transmit the entire check card payment approval request 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. Subsequently, when the payment server 500 provided at 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 process, the payment server 500 As an example of an implementation method for the payment approval specialized structure received by the payment terminal device 600, specifically, FIG. 8A shows that the check card payment uses the check card as it is, as a result of applying the monthly payment card use policy. The payment approval for the case where payment is processed, and Figure 8b shows the result of applying the monthly payment card use policy and the check card payment is the same as the check card. This is for a mixed payment approval for the case where the installment lock is set in the linked customer account.

Those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 8a and 8b to make various arrangements for the payment approval professional structure corresponding to the check card payment approval request full text according to the intention to those skilled in the art. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred, and the present payment approval structure is not limited to that illustrated in FIGS. 8A and 8B.

8A and 8B, the check card payment approval full text structure may include at least one or more defined characters between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). Characteristic information, and after the end character characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

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. Persons of ordinary skill in the art to which the present invention pertains will clearly understand the details of each approval result item included in the check card payment approval document with reference to FIGS. 8A and 8B. 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 processed by setting the installment lock in the customer account associated with the check card, as a result of applying the installment card usage policy for each installment month, the payment approval The preamble is divided into an installment payment transaction in which a settlement account for the customer account information item including the customer account number associated with the check card is set in the payment approval message shown in FIG. 8A and a payment lock is set in the customer account associated with the check card. An installment payment item corresponding to the payment item, an installment payment item to be settled and withdrawn from the customer account in the current month (or immediately) by setting an installment lock in the customer account associated with the check card among the payment amount of the check card; The installment payment status value item which is set by processing the lock on the customer account associated with the check card (for example, 'O': normal credit settlement, 'X': credit settlement Error) and an installment payment authorization number item (e.g., if the status value item is 'O'), which is set by processing a lock on a customer account associated with the check card, and a credit through a customer account associated with the check card. If the payment approval number, or the status value item is 'X', credit rejection reason code, etc. through the customer account associated with the check card) is characterized in that it further comprises.

According to another exemplary embodiment of the present invention, some of the information included in the details of setting the installment lock in the customer account associated with the check card is a message 3 item and / or a message 4 item included in the check card payment approval message. It may be included in the payment terminal device 600 may be received, thereby the present invention is not limited.

Hereinafter, the check card payment 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 entire request for approval, the payment server 500 sets the lock on the customer account associated with the check card based on the payment policy using the check card based on a predetermined installment month. It demonstrates and demonstrates the preferable implementation method of processing an installment payment. However, an implementation method of processing a check card-based installment payment by setting a lock on a customer account associated with the check card is not limited to the drawings and descriptions shown below, and is commonly known in the art. For those who have the same, it is possible to infer various implementation methods for processing a check card-based installment payment by setting a lock on a customer account associated with the check card by using the check card to modify and refer to the drawings and descriptions shown below. It will be appreciated that the present invention encompasses all implementation methods inferred above.

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 embodiment of the method for transmitting the full check card payment approval request, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 9 and make the payment according to the intention to those skilled in the art. 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 by using the check card by applying a card use policy or to settle a payment by setting an installment lock in a customer account 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 full text is not a 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 the installment month information from the full check card payment approval request (1025), and reads the installment month information to check whether the check card-based installment payment according to the present invention is requested (1030). ).

If the check card based installment payment according to the present invention is not requested (for example, if the installment month number is '0') (1035), the server performs a conventional check card payment approval procedure.

If a check card-based installment payment according to the present invention is requested (for example, if the installment month number is not '0') (1035), the server is processed for the installment stored in association with the check card information from the storage medium 135. Extracting lock setting information and card usage policy information by installment month (1040), and using the installment lock setting information and installment month use card information by setting an installment lock in a customer account associated with the check card A check card-based installment payment service is provided.

11A and 11B illustrate 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.

11 and 11b show in more detail that the payment approval request corresponding to the full payment approval request is determined 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 message is processed through check card information stored in the storage medium 135 (or check card information corresponding to the full payment approval request text). Those skilled in the art may refer to and / or modify the drawings 11 and 11b and check the payment approval request corresponding to the full payment approval request in the payment server 500 according to the intention of the person skilled in the art. Various implementation methods for processing through a payment means may be inferred, but the present invention is not limited to the inference 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. 11A, 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. A predetermined payment amount is extracted from the full text of the payment approval request (1100a), and a check card payment fee is calculated by applying a predetermined check card fee rate to the extracted payment amount (1105a), and the extracted check card payment amount and the The predetermined amount of the authorization request is calculated by adding the check card fees (1110a).

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 (1115a). After the check card-based debit processing to generate the contents to be printed in the member account (1120a), as shown in Figure 12a, 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 (1125a), and generate the check card debit processing approval request text including the member bank code through a predetermined financial network 555; The data is transmitted to the financial system 560 corresponding to 1130a.

Referring to FIG. 11B, 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. A predetermined payment amount is extracted from the full text of the payment approval request (1100b), a check card payment fee is calculated by applying a predetermined check card fee rate to the extracted payment amount (1105b), and the extracted check card payment amount and the The sum of the check card fees is calculated to calculate a predetermined authorization request amount (1110b), and the current monthly installment amount is calculated from the authorization request amount (1115b).

Thereafter, the server extracts the card company account number, the member bank code, the member account number and the member point code included in the check card information from the storage medium 135 based on the extracted check card number (1120b). After the check card-based debit processing to generate the contents to be printed in the member account (1125b), as shown in Figure 12b, the check card number, card company account number, authorization request amount, member bank code, member account number Generate a check card installment processing approval request message including a member point code and the bank account printing contents, and the calculated current monthly installment amount and installment months (1130b); In operation 1135b, a predetermined financial network 555 is transmitted to the financial system 560 corresponding to the member bank code.

12A and 12B illustrate 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.

12A and 12B illustrate the payment system 500 between the payment server 500 provided in the card company (or the financial company) and the financial system in which the member account associated with the check card is opened. As an example of an implementation method for a specialized structure for requesting a debit authorization for the check card at 560, a person having ordinary skill in the art to which the present invention pertains refers to FIGS. 12A and 12B. And / or modifications to infer the full text of the various debit authorization requests to those skilled in the art, but the present invention includes, but is not limited to, any implementation method inferred above.

12A and 12B, between the payment server 500 provided in the card company (or the financial company) and the financial system in which the member account associated with the check card is opened, the payment server 500 is connected to the financial system ( In 560, the debit authorization request message for requesting the debit processing authorization request for the check card includes a common part of 57 bytes and an individual part of 293 bytes, and the common part is used for the check card-based payment processing. Solution is characterized in that it is commonly included in all transaction data transmitted and received between the payment server 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.

Referring to FIG. 12A, the individual part of the check card debit processing approval request message is received from the payment terminal device 600 to the payment server 500 through the complex approval request message (CARD-NUM). And the card company account number item (ACCOUNT) to be withdrawn and processed from the member account, and the payment amount received from the payment terminal device 600 and the predetermined fee through the composite approval request. The authorization request amount item APRV-AMT, the member bank code item BANK-CDE extracted from the storage medium 135 based on the check card number, the member account number item PAN, and the member point. It comprises a code (BRAN-CDE) item and a membership account factor content item (INFO), and further comprises a reservation (FILLER) for maintaining a block size of 293 bytes of the individual part.

Referring to FIG. 12B, the individual unit of the check card debit processing approval request message is received from the payment terminal device 600 to the payment server 500 through the complex approval request message (CARD-NUM). And the card company account number item (ACCOUNT) to be withdrawn and processed from the member account, and the payment amount received from the payment terminal device 600 and the predetermined fee through the composite approval request. The authorization request amount item APRV-AMT, the member bank code item BANK-CDE extracted from the storage medium 135 based on the check card number, the member account number item PAN, and the member point. A code (BRAN-CDE) item, a member bank statement content item (INFO), a monthly installment amount (ALLOT-AMT), and an installment month number (ALLOT-NUM). FILLER to maintain the size It is made to include more.

13A and 13B are diagrams illustrating an operation process of the financial system 560 that has received the full check card debit processing approval request message from the payment server 500 according to the embodiment of the present invention.

In more detail, Figures 13a and 13b are received from the payment server 500 in the financial system 560 opened the customer account associated with the check card from the payment server 500 to receive the full check card debit processing approval request as shown in Figure 12 According to the present invention, a method of providing a service for providing a service to the payment server 500 by checking whether the debit processing is approved based on the balance of a member account associated with a check card is shown. Persons skilled in the art will be able to infer various provisioning methods for approving check card debit processing according to the intention to those skilled in the art by referring to and / or modifying the drawings 13a and 13b, but the present invention is inferred from the above It includes all implementation methods, and the method of providing the service is not limited to that shown in this drawing 13a and 13b.

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

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 (1310a). 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 (1315a), the financial system 560 generates a predetermined check card debit authorization result including the check card debit denied (or debit error) (1320a). ).

On the other hand, when the debit card approval is confirmed (1315), the financial system 560 withdraws the authorization request amount from the customer account and transfers the debit card to the card company account, and includes the predetermined payment card debit processing approval. A check card debit authorization result is generated (1325a).

Thereafter, the financial system 560 generates a predetermined check card debit processing approval result text including the check card debit processing approval result (1330a), and the generated check card debit through the 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 (1335a).

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

Thereafter, the financial system 560 compares the approval request amount with the member account balance information, and confirms whether the check card installment processing approval corresponding to the full check card payment processing approval request is approved (1310b). 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 check card installment approval request request is possible. The check card installment processing approval for the entire check card installment processing approval request is determined.

If the check card installment processing approval is not confirmed (1315b), the financial system 560 generates a predetermined check card installment processing approval result including the check card installment processing rejection (or installment processing error) (1320b). ).

On the other hand, if the check card payment processing approval is confirmed (1315), the financial system 560 withdraws the current monthly installment amount from the customer account and transfers it to the credit card account, and subtracts the current monthly payment amount from the approval request amount. An installment lock is set so that the remaining amount is not withdrawn from the customer account (1325b), and a predetermined check card installment processing approval result including the check card installment processing approval is generated (1330b).

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

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

In more detail, FIG. 14 illustrates a payment server that receives a full check card debit processing approval result or a full check card installment processing approval result from the financial system 560 associated with the check card through the same process as in FIG. 13a or 13b. As one embodiment of the service providing process of 500, a person of ordinary skill in the art to which the present invention pertains, the check card payment according to the intention to those skilled in the art by referring to and / or modifying the drawing 14 It will be possible to infer various service providing methods for the payment server 500 for providing a customer credit-based cash service / card loan service according to the present invention, but the present invention includes all the implementation methods inferred, and provides the service The method is by no means limited to that shown in FIG. Hereinafter, in FIG. 14, the payment server 500 is referred to as a "server" for convenience.

Referring to FIG. 14, a payment server that receives a full check card debit processing approval result or full check card installment processing approval result from the financial system 560 associated with the check card through the same process as in FIG. 13a or 13b ( 500 reads the received check card debit processing approval result text or the check card installment processing approval result text to confirm whether the check card payment is approved (1400).

If the check card debit authorization result or the check card installment approval result statement read result check card payment authorization is denied (e.g., the member account balance is less than the authorization request amount) (1405), the server checks the card. A predetermined check card payment approval result including a payment decline (or debit processing error) result is generated (1410).

On the other hand, when the check card payment approval is confirmed (1405), the server sends a predetermined check card payment approval result including the check card payment approval result. Create (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 generated check card payment approval message. The transmission is transmitted to the payment terminal device 600 through the payment network 550 (1425), and performs a check card payment completion procedure corresponding to the full payment approval.

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 card use policy for each installment month, the monthly payment 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 (9)

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; As a result of the checking, when the preamble includes the installment months, an installment payment prevention unit for managing the installment payment settlement to the account is an account management means for managing a payment account corresponding to the check card in a predetermined installment payment processing means. A lock setting request step of requesting lock setting; And A lock setting step of setting a withdrawal prevention lock for the amount corresponding to the installment payment in the check card payment account in the account management means; The installment payment settlement processing step of releasing the lock set in the payment account of the check card and processing the installment payment every month corresponding to the installment months, in connection with the account management means in a predetermined payment settlement processing means; Payment installment processing method of a check card, characterized in that comprises; The method of claim 1, wherein the setting of the lock comprises: The payment installment processing method of the check card, characterized in that for setting the withdrawal prevention lock for the amount corresponding to the remaining number of installment months except the amount corresponding to the first installment month. According to claim 1, The installment payment settlement step, When the lock set in the check card payment account is released and settlement processing is performed for the amount corresponding to the second installment payment amount of the payment approval request amount, the withdrawal prevention lock is reset for the amount corresponding to the remaining installment months. Payment installment processing method characterized in that the check card. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 3. Full text confirmation means for confirming whether the payment includes the number of installment months when receiving the payment approval request full text using a check card; If the check result indicates that the installment months are included in the preamble, an installment settlement request for setting an installment payment withdrawal prevention lock for the installment payment settlement process to the account management means for managing a payment account corresponding to the check card. Processing means; Account management means for setting a withdrawal prevention lock for the amount corresponding to the installment payment in the check card payment account; And And an installment payment settlement processing means for releasing the lock set in the payment account of the check card and processing the settlement of the installment payment every month corresponding to the installment months in association with the account management means. Payment installment processing system to check. The method of claim 5, wherein each of the means, On a single server, or The payment installment processing system for a check 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 If the check result indicates that the installment months are included in the preamble, an installment settlement request for setting an installment payment withdrawal prevention lock for the installment payment settlement process to the account management means for managing a payment account corresponding to the check card. Processing unit; And an installment payment settlement processing unit for processing the settlement of the installment payment in association with the account management means every month corresponding to the installment months. According to claim 7, The payment installment processing device, Consists of a single server, or The payment installment processing device for a check 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 7.

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