KR20070072811A - System and method for processing admission of payment, devices for processing admission of payment and recording medium - Google Patents

Abstract

A system and a method for processing a payment approval, and a payment approval processing device and a recording medium thereof are provided to process the payment approval of a credit card by using check or credit card information according to a payment approval request amount. An information storing part stores payment card selection condition information for determining the check or credit card according to the payment approval request amount to a storage medium(135). An information reader(510) reads payment approval request amount information and the credit card information from a payment approval request message when the message of using the credit card is received. An information checker(515) checks whether the check card information linked with the credit card information is found in the storage medium. A check or credit card payment approval processor(520,525) processes the payment approval request amount by using the check or credit card information corresponding to the payment card selection condition information if the linked check card information is found.

Description

System and Method for Processing Admission of Payment, Devices for Processing Admission of Payment and Recording Medium}

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

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

FIG. 3 is a diagram illustrating an information registration system configured to process a payment by replacing (or converting) the credit card payment with a check card associated with the credit card according to a corresponding payment amount after issuing a credit card according to an embodiment of the present invention. Drawing.

Figure 4a and 4b is an information registration process to replace (or convert) the credit card payment with a check card associated with the credit card according to the payment amount size after issuing a credit card according to the embodiment of the present invention Figure is a diagram.

5 is a diagram illustrating a system for processing a payment by replacing (or converting) a credit card payment with a check card associated with the credit card according to a corresponding payment amount 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 view illustrating a credit card payment approval request professional structure according to an embodiment of the present invention.

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

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

10 is a diagram illustrating a process of applying a card usage policy for each payment amount to a credit card payment request corresponding to a full payment approval request in a payment server according to an embodiment of the present invention.

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

12 is a diagram illustrating 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.

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

14A and 14B 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.

15A and 15B are diagrams illustrating an operation process of a payment server that receives a full check card debit processing approval result from a financial system according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating an operation of a payment server that provides a negative account service for approving a check card payment for a check card linked customer account according to an embodiment of the present invention.

FIG. 17 is a diagram illustrating a process of generating a check card payment approval full text from a payment server and transmitting the same to a payment terminal device according to an embodiment of the present invention.

<Description of main parts of drawing>

500: payment server 505: professional receiving unit

510: information reading unit 515: information checking unit

520: check card payment approval unit 525: credit card payment approval unit

535: professional generation unit 540: professional transmission unit

545: customer approval processing unit

The present invention relates to a payment approval processing method and system, a payment approval processing apparatus and a recording medium therefor.

Credit Card payment is made when a customer with a credit card issued by a predetermined card company pays a predetermined payment amount according to a credit card-based electronic payment procedure within a predetermined credit limit at an online or offline merchant. After paying the payment amount to the affiliated merchant within the period specified by the card company that approved the payment, and after a predetermined period has passed from the payment date, the card company adds up the payment amount generated at least one or more affiliated stores corresponding to the customer. After calculating the settlement amount of the billing, and claiming the calculated settlement amount to the customer, the customer pays the settlement amount to the card company within a prescribed period characterized in that the post-payment electronic payment method.

For credit card customers, the credit card payment can be settled after prepayment within a predetermined credit limit regardless of the amount of cash and / or the balance of the customer account, whereas the card company pays the amount of the payment. After paying to the affiliated store, there is a problem in that the customer pays the payment amount as a debt until the customer settles the payment amount.

An object of the present invention is to provide a predetermined process by linking payment card selection condition information for selecting one of the credit card and the check card in response to the size of the customer credit card information, the customer check card information, and the payment authorization request amount. In the storage medium, when receiving the payment approval request text using the credit card, the payment approval request amount information and credit card information is read from the payment approval request text, and linked with the storage medium (or storage medium operating means) Check whether the check card information linked to the read credit card information exists; and if the check card information linked to the read credit card information exists, the payment card selection condition information Payment approval read from the above payment approval request using matching card information (credit card or check card) The present invention provides a payment approval processing system and method for processing payment approval for a request amount.

In the payment approval processing method according to the present invention, a payment for selecting one of the credit card and the check card corresponding to the customer credit card information, customer check card information and payment authorization request amount size in a predetermined information storage means; An information storage step of linking card selection condition information to a predetermined storage medium; An information reading step of reading payment approval request amount information and credit card information from the payment approval request message in a predetermined information reading means when receiving a payment approval request message using the credit card; An information checking step of confirming whether there is check card information linked to the read check card information in association with the storage medium (or storage medium operating means) in a predetermined information checking means; And if the check card information linked to the read credit card information exists, the payment approval request amount and the payment card selection condition information read from the full payment approval request in a predetermined payment approval processing means. After comparing the amount of the credit card and the amount of money to select one of the check card included in the card information, the card (credit card or check card) information corresponding to the payment card selection condition information corresponding to the comparison result It is characterized in that it comprises a; payment approval processing step of performing the payment approval processing by using.

According to the present invention, the information receiving / input means further comprises an information receiving / input step of receiving and / or receiving the payment card selection condition information in association with the predetermined terminal.

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

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described payment approval processing method.

On the other hand, the payment approval processing system according to the present invention, payment card selection condition information to select one of the credit card and the check card corresponding to the customer credit card information, customer check card information and payment authorization request amount size Information storage means for linking and storing the data in a predetermined storage medium; Information reading means for reading payment approval request amount information and credit card information from the payment approval request message; Information checking means for confirming whether there is check card information associated with the read credit card information in association with the storage medium (or storage medium operating means); And if the check card information linked to the read credit card information exists, using the card (credit card or check card) information corresponding to the payment card selection condition information, Payment approval processing means for processing payment approval for the payment approval request amount read from the;

According to the invention, in connection with a predetermined terminal, characterized in that it further comprises information receiving / input means for receiving and / or input the payment card selection condition information.

According to the present invention, the payment approval processing means for selecting one of the credit card and the check card included in the payment approval request amount read out from the payment approval request full text and the payment card selection condition information. After comparing the amount of the amount, if the credit card information included in the full payment approval request message satisfies the payment card selection condition, the payment approval process is performed using the credit card information included in the full payment approval request message, and the payment approval When the check card information stored in association with the credit card information included in the request message satisfies the payment card selection condition, the payment approval process is performed using the check card information.

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 approval processing apparatus according to the present invention, the information storage unit for storing the customer credit card information and the customer check card information in a predetermined storage medium by the link processing; An information reading unit that reads payment approval request amount information and credit card information from the payment approval request message when receiving the payment approval request message using the credit card; An information checking unit which checks whether there is check card information linked to the read credit card information in association with the storage medium (or storage medium operating means); And when the check card information linked to the read credit card information exists, the card corresponding to any one of the credit card or the check card corresponding to the size of the payment approval request read out from the full text of the payment approval request. And a payment approval processing unit for processing the payment approval corresponding to the payment approval request by selecting.

According to the present invention, the payment approval 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 for recording the program for executing the function of the above-described payment approval processing device component.

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 configuration provided in a predetermined server (or device), the payment approval processing device is referred to as payment server for convenience, and the payment card selection condition information also Card use policy information by payment amount is called.

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

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

In more detail, Figure 1 shows credit card information issued to a customer at a given card company (or financial company), a check card and / or a predetermined virtual check card issued to the customer. Per payment amount to replace (or convert) the check card information corresponding to the payment and the payment using the credit card with a check card and / or a predetermined virtual check card previously issued to the customer according to the corresponding payment amount size. As one embodiment of an information registration system configuration for linking and storing card usage policy information, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention with reference to FIG. When issuing a credit card from a given card company (or financial company) to a given customer without violating the core technical matters, Various implementation methods for the information registration system for the payment processing by replacing (or converting) the payment using the issued credit card with the check card and / or the predetermined virtual check card issued to the customer according to the corresponding payment amount size Although it may be easily inferred, the present invention clearly indicates that the present invention is not limited by each method of implementation by referring to the system configuration shown in FIG. 1 and / or by modifying a part of the system configuration. It is.

Referring to FIG. 1, a customer who wants to issue a credit card visits a predetermined credit card company (or financial company) window, or uses a predetermined credit card issuer at the card company (or financial company) in an offline manner. After completing an application for issuance (e.g., a document with a form for filling in at least one credit card issuance application information item for issuing a credit card), and submitting the completed application to the clerk, The credit card issuing application information entered in the application is input through the manager terminal of the terminal, and the credit card issuing application information is input from the manager terminal by a predetermined information registration interface means 155 (e.g., the manager terminal and the predetermined information). Predetermined through a communication network (or network) that connects the information registration server (or device) 100 by communication It transmits to the information registration server (or device) 100.

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

In addition, a customer who wants to issue the credit 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 the predetermined credit card issuing application information based on the information input interface screen provided by the information registration server (or device) 100. Input the card issuing information to be transmitted to the information registration server (or device) 100.

In addition, although FIG. 1 illustrates a wired terminal including at least one desktop computer and / or a notebook as the client terminal for convenience, the intention of the person skilled in the art and / or the information registration interface means 155. Depending on the corresponding communication network (or network) characteristics and whether the information registration server (or device) 100 supports the wireless function, the client terminal may be a Personal Communication System (PCS) and / or a Global System for Mobile (GSM). communications) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or smart phones and 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 credit card and registering information, and paying for the payment using the issued credit card. The predetermined credit card issuing application information through the information registration interface means 155 to replace (or convert) a check card and / or a predetermined virtual check card previously issued to the customer according to the amount of money. And / or the information receiving unit 105 to receive the check card registration information and / or the virtual check card issuing application information pre-issued to the customer, and to the information receiving unit 105 through the information registration interface means 155. An information checking unit 110 for checking whether a check card registration information and / or a virtual check card issuing application information previously issued to the customer is received, and the credit card issuing application information Generating credit card information corresponding to the virtual check card issuing request information, when a predetermined virtual check card issuing application information is received by the information receiving unit 105, When the information generation unit 115 generating predetermined virtual check card information and the check card registration information previously issued to the customer are received by the information receiving unit 105 as a result of confirming the information checking unit 110, A check card confirming unit 120 for confirming a check card previously issued to a customer, and credit card information generated by the information generating unit 115 is stored in a predetermined storage medium 135, and the information generating unit ( When the predetermined virtual check card information is generated through 115, the credit card information and the virtual check card information are processed in association with each other to be stored in the storage medium 135 or the customer through the check card checking unit 120. When the check card pre-issued to the user is confirmed, the information storage unit 125 for storing and processing the credit card information and the pre-issued check card information, characterized in that it is made, the information registration interface means (155) Through the credit card to the information receiving unit 105 to replace (or convert) the payment using a check card and / or a predetermined virtual check card pre-issued to the customer according to the corresponding payment amount. Check card and / or predetermined credit card is issued to the customer according to the amount of payment is received, and / or payment using the credit card from the predetermined policy information D / B 145 according to the payment amount size When the card usage policy information for each payment amount is extracted to be replaced (or converted) with a virtual check card, the information storage unit 125 The credit card information and the virtual check card information are stored in association with the card usage policy information for each payment amount, or the credit card information and the pre-issued check card information are stored in association with the card usage policy information for each payment amount. Characterized in that.

Referring to FIG. 1 according to an embodiment of the present invention, the credit card information, the virtual check card information, and the card usage policy information for each payment amount are linked and stored, or the credit card information and the pre-issued check card information. Although the storage medium 135 in which the card usage policy information for each payment amount is linked and stored is provided as a predetermined DBMS (DateBase Management System) 130 and / or DB server 130, the storage medium Reference numeral 135 may be provided in the information registration server (or apparatus) 100, whereby the present invention is not limited. In addition, the DBMS 130 and / or DB server 130 and the check card D / B 140 for storing the connection information and pre-issued check card information to the customer, and the payment using the credit card At least one card use policy including card use policy information for each payment amount to replace (or convert) a check card and / or a predetermined virtual check card previously issued to the customer according to the corresponding payment amount size. It is preferable to manage the stored policy information D / B (145).

The information receiving unit 105 may receive credit card issuing application information from the credit card issuing customer through a predetermined manager terminal and / or client terminal through a predetermined information registration interface means 155, in this case The information checking unit 110 confirms that the check card registration information and / or the virtual check card issuing application information previously issued to the customer are not received through the information registration interface unit 155. Thereafter, the information registration server (or apparatus) 100 transfers the payment using the credit card from the credit card issuing customer to the check card associated with the credit card according to the corresponding payment amount size through the system configuration as shown in FIG. Receive check card registration information and / or predetermined virtual check card issuance application information pre-issued to the customer to replace (or convert) and process payments, and / or pay using the credit card from the credit card issuing customer Receive card usage policy information for each payment amount to replace (or convert) a check card and / or a predetermined virtual check card pre-issued to the customer according to the corresponding payment amount size, or to process a payment, or a predetermined DBMS ( 130) and / or payment using the credit card from the policy information D / B 145 managed by the DB server 130 to the corresponding payment amount size. La can extract payment card geumaekbyeol using policy information for the customer to process a payment to replace (or switch) on the check card and / or debit card issued by a predetermined virtual line.

In addition, the information receiving unit 105 uses the credit card issuing application information and the credit card issuing application information from the credit card issuing customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 155 Receive check card registration information and / or predetermined virtual check card issuance application information pre-issued to the customer to replace (or convert) a payment with a check card associated with the credit card according to the corresponding payment amount size In this case, the information checking unit 110 confirms that the check card registration information and / or the virtual check card issuing application information previously issued to the customer are received through the information registration interface unit 155. Subsequently, the information registration server (or device) 100 checks a check card previously issued to the customer according to the payment amount and the payment using the credit card from the credit card issuing customer through the system configuration as shown in FIG. / Or receive the card use policy information for each payment amount to replace (or switch) to a predetermined virtual check card, or the policy information D / managed by the DBMS 130 and / or DB server 130 Card use by payment amount to replace (or convert) the payment using the credit card from B 145 with the check card and / or the predetermined virtual check card pre-issued to the customer according to the corresponding payment amount size Policy information can be extracted.

In addition, the information receiving unit 105 uses the credit card issuing application information and the credit card issuing application information from the credit card issuing customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 155 Check card registration information and / or predetermined virtual check card issuance application information previously issued to the customer to replace (or convert) a payment with a check card associated with the credit card according to the corresponding payment amount; Receive card usage policy information for each payment amount to replace (or convert) the payment using the credit card with a check card and / or a predetermined virtual check card pre-issued to the customer according to the payment amount size. In this case, the information checking unit 110 is provided to the customer through the information registration interface means (155). Make sure that geupdoen check card registration information and / or a virtual debit card issued by the application information and the payment card used geumaekbyeol policy information is received.

The information checking unit 110 and the credit card issuing application information received from the administrator terminal and / or the client terminal through the information receiving unit 105 and the payment using the credit card according to the corresponding payment amount size with the credit card The check card registration information and / or the predetermined virtual check card issuance application information pre-issued to the customer for replacement (or conversion) with the associated check card is checked.

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

The virtual check card issuing application information may be obtained from a check card issued by the card company (or financial company) to the customer (or a card company (or financial company) that issues the credit card according to an implementation method) before issuing the credit card to the customer. If there is no check card issued by at least one other card company (or financial company) affiliated with the issuing credit card, the payment using the credit card is executed according to the corresponding payment amount. And the information for issuing to the customer a virtual check card required for the payment processing by replacing (or converting) the linked check card, and applying for issuing the virtual check card to the credit card issuing application information. When the information is included and received, the information check unit 110 is the virtual By providing a large card issuing request information to the information generating unit 115, and to create a predetermined virtual debit card information from the information generating unit 115 on the basis of the virtual check card issuance request information. Here, the virtual check card is not a physical check card (e.g., a plastic card storing card information (and / or check card payment means information) in the Track II area), but the payment using the credit card on the system according to the present invention. Means a check card defined to be processed as a check card payment in association with a predetermined customer account according to the corresponding payment amount, and issuing a check card according to a conventional physical check card issuing procedure defined at the card company (or financial company). It is desirable, however, that no physical card is made and delivered (or provided) to the customer.

The information generating unit 115 generates credit card information corresponding to credit card issuing application information received from the manager terminal and / or client terminal through the information receiving unit 105, and the credit card information. The card information (eg, credit card number, expiration date, issuer's name, etc.) included in the card corresponding to the credit card issued to the customer by the card company (or financial company), if the credit card is an MS (Magnetic Stripe) card Information stored in the Track II area), customer information of the credit card issuing member (e.g., customer name, social security number, address, contact information, etc.), and credit card operation information (e.g., credit limit and cash service limit). Amount, total limit amount, points earning and payment policy, additional service information, etc.).

According to the exemplary embodiment of the present invention, the card information among the credit card information generated by the information generating unit 115 is provided to a predetermined card issuing server (or device) 150, and the card issuing server (or device) is provided. 150 is preferably provided (or delivered) to the customer by producing (or generating) a predetermined credit card based on the card information.

In addition, the information generating unit 115 confirms that the virtual check card issuing request information is included in the credit card issuing application information received by the information confirming unit 110 to the information receiving unit 105. If so, characterized in that for generating the virtual check card information corresponding to the virtual check card issuing application information, the virtual check card information is the card information corresponding to the check card issued to the customer by the card company (or financial company) (E.g., information included in the card, such as a check card number, expiration date, and issuer name, information stored in the Track II area if the check card is an MS (Magnetic Stripe) card), and a predetermined member associated with the check card. Account information (e.g., a member bank code, a member account number, a member branch code, etc. in which a predetermined customer account is associated with the check card), and the check card issued At least one member's customer information (e.g., customer name, social security number, address, contact information, etc.) and the check card operation information (e.g., the amount available within the balance of the deposit, points accumulation and payment policy, additional service information, etc.) This includes the above.

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

According to an embodiment of the present invention, the check card D / B 140 may include at least one check card information previously issued to the customer, the check card customer information and / or the check card operation information (not shown). The check card information may be stored in a linked process. The check card information may include card information stored in a check card previously issued to the customer (for example, information included in a card such as a check card number, an expiration date, and a customer's name). In the case of an MS (Magnetic Stripe) card, information stored in the Track II area, predetermined member account information associated with the check card (eg, a member bank code in which a predetermined customer account associated with the check card is opened, member) Account number, member branch code, etc.), and the check card customer information includes the name, social security number, address, and contact information of the customer who issued the check card. It is preferable that the personal information is included, and the check card operation information (not shown) includes the amount of money available within the balance balance for the check card, points accumulation and payment policy, additional service information, and payment of the check card. It is preferable to include a breakdown and the like.

When the predetermined credit card information corresponding to the credit card issuing application information is generated by the information generating unit 115 (for example, the check card registration information and / or previously issued to the customer by the information receiving unit 105). When the predetermined virtual check card issuance request information is not received), the information storage unit 125 stores the generated credit card information by the predetermined DBMS 130 and / or the DB server 130. And the credit card information is pre-issued to the customer in the credit card information stored in the storage medium 135 through a system configuration as shown in FIG. Replace (or transfer) predetermined virtual check card information and / or payment using the credit card with a check card and / or a predetermined virtual check card previously issued to the customer according to the amount of the payment amount. ) It is to be processed in conjunction geumaekbyeol payment card using policy information used for payment processing may be stored.

In addition, the information generating unit 115 replaces the credit card information corresponding to the credit card issuing application information and the payment using the credit card with a check card associated with the credit card according to the corresponding payment amount size (or When predetermined virtual check card information is generated for the payment processing (for example, when the credit card issuing application information and the predetermined virtual check card issuing application information are received by the information receiving unit 105), The information storage unit 125 may process the generated credit card information and the virtual check card information in association with the storage medium 135 and store the same in the storage medium 135. Check issued in advance to the customer according to the payment amount size for the payment using the credit card to the credit card information and the virtual check card information stored in 135). The load and / or the payment card used geumaekbyeol policy information used for payment processing to replace (or switch) to a predetermined virtual debit card can be stored being further associated process.

In addition, credit card information corresponding to the credit card issuing application information is generated by the information generating unit 115, and check card information previously issued to the customer by the check card verification unit 120 is checked and extracted. (For example, when the credit card issuing application information and the check card registration information previously issued to the customer are received by the information receiving unit 105), the information storage unit 125 generates the generated credit card information. And the check card information pre-issued and stored in the storage medium 135. Then, the credit card information and the virtual check stored in the storage medium 135 through the system configuration as shown in FIG. In the card information, the payment using the credit card is replaced (or converted) with a check card and / or a predetermined virtual check card previously issued to the customer according to the corresponding payment amount size. The processing is further linked geumaekbyeol payment card using policy information used for processing may be stored.

According to an embodiment of the present invention, the card usage policy information for each payment amount is based on the payment amount information included in the payment approval request message received from the payment terminal device 600 to the payment server 500. A policy that causes the payment processing using the means to be processed using the credit card payment means as it is, or that the payment processing using the credit card payment means is replaced (or converted) with a check card associated with the credit card. It is preferable to include information. For example, the card usage policy information for each payment amount is set to use the credit card as it is when the payment amount is more than 30,000 won, and if the payment amount is less than 30,000 won, the credit card payment is associated with the credit card. It may include the policy information to be replaced (or converted) to the check card to be processed payment.

Referring to FIG. 1, when predetermined card information corresponding to the credit 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, predetermined media storage information (e.g., if the issued credit 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 shipping (or providing) the recorded credit card to the customer.

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

In more detail, Figures 2a and 2b, as shown in Figure 1, when a predetermined credit card (or financial company) is issued a credit card to a predetermined customer, credit card information issued to the customer, a check card pre-issued to the customer and And / or replace (or convert) the check card information corresponding to the predetermined virtual check card and the payment using the credit card with the check card and / or the predetermined virtual check card previously issued to the customer according to the payment amount size. As an implementation method for an information registration process for linking and storing card use policy information for each payment amount to be processed by payment, specifically, FIG. 2A shows the credit card information issued to the customer and the check previously issued to the customer. The embodiment relates to a method of registering and linking card information and card use policy information for each payment amount, and FIG. And the credit card issued to the customer, but for the exemplary method for registering and processing a predetermined association of a virtual debit card information with the payment card used geumaekbyeol policy information associated with the credit card.

Persons of ordinary skill in the art to which the present invention pertains, when issuing a credit card to a predetermined customer in a predetermined card company within the scope of not violating the core technical matters of the present invention with reference to the drawings 2a and 2b, Various implementation methods for replacing (or converting) the credit card payment with a check card associated with the credit card according to the corresponding payment amount may be easily inferred, and are shown in FIGS. 2a and 2b. It will be apparent that the present invention is not limited to each method of implementation by referring to the information registration method and / or by modifying a part of the information registration method. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 2A, a customer applying for a predetermined credit card issuing a predetermined credit card through a predetermined information registration interface means 155, and / or making a payment using the credit card according to the corresponding payment amount size. The customer applies for a check card replacement (or conversion) payment service for each payment amount to replace (or convert) the check card with a pre-issued check card (200a), and for this, the customer registers the information registration interface means 155. The credit card issuing application information and the check card registration information previously issued to the customer and / or the payment using the credit card are replaced with the check card pre-issued to the customer according to the corresponding payment amount through Transfer the card usage policy information for each payment amount (205a).

According to the implementation method of the present invention, the credit card issuing application customer may apply only for issuing a credit card through a predetermined information registration interface means 155, or as shown in FIG. 2a, using the credit card issuing application and the credit card. It is possible to simultaneously apply for a check card replacement (or conversion) payment service for each payment amount to replace (or convert) the payment with a check card pre-issued to the customer according to the corresponding payment amount size, thereby limiting the present invention. Not.

As described above, the server receiving the credit card issuing application information and / or the check card registration information and / or the card usage policy information for each payment amount previously issued to the customer through the information registration interface means 155, On the basis of the credit card issuing application information, it is determined whether a credit card is issued to the customer (210a).

According to an embodiment of the present invention, credit is required for the customer in order to issue the credit card to the customer. To this end, the card company (or financial company) is based on the customer information included in the credit card issuing application information. By performing a customer credit evaluation process defined at the card company (or financial company), and / or performing a credit evaluation process for the customer in conjunction with a predetermined credit rating agency (not shown) based on the customer information, It is desirable to determine whether to issue the credit card to the credit card issuing customer.

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

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

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

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

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

On the other hand, if the check card registration information previously issued to the customer is received from the customer to apply for a check card replacement (or conversion) payment service for each payment amount (235a), the server includes the customer information included in the credit card issuing application information. Based on (or customer information included in the check card registration information previously issued to the customer), it is checked whether a check card previously issued to the credit card issuing customer exists (245a).

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

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

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

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

According to an embodiment of the present invention, the card usage policy information for each payment amount may be received from the customer through the information registration interface means 155 as shown in FIG. 2A, in which case the server may receive the credit. Preferably, the card information and the check card information previously issued to the customer are linked to each other and the card usage policy information for each payment amount is stored.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface means 155, as shown in FIG. 2A, and the DBMS 130 and / or Or extracted from predetermined policy information D / B 145 managed by the DB server 130. In this case, the server extracts the credit card information and check card information pre-issued to the customer. It is preferable to link and store the separate card use policy information.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface means 155 as shown in FIG. 2A, and the DBMS 130 and And / or extracted from the predetermined policy information D / B 145 managed by the DB server 130, the customer may change (or modify) the card usage policy information for the extracted payment amount. The server preferably stores the credit card information and the check card information pre-issued to the customer by linking and processing the card usage policy information for each payment amount that has been extracted and / or changed (or modified).

Referring to FIG. 2B, a customer applying for issuing a predetermined credit card requests for issuing a predetermined credit card through a predetermined information registration interface means 155, and / or makes a payment using the credit card according to the corresponding payment amount size. Apply for a check card replacement (or conversion) payment service for each payment amount to replace (or switch) a predetermined virtual check card associated with the credit card (200b), for which the customer can register the information registration interface means. Link the credit card issuing application information, the predetermined virtual check card issuing application information to be associated with the credit card, and / or the payment using the credit card to the server through the credit card according to the corresponding payment amount through 155. It transfers the card use policy information for each payment amount to replace (or switch) the predetermined virtual check card to the payment amount (205b). .

According to the implementation method of the present invention, the credit card issuing application customer may apply only for issuing a credit card through a predetermined information registration interface means 155, or as shown in FIG. 2B, using the credit card issuing application and the credit card. You can apply for a check card replacement (or conversion) payment service for each payment amount to replace (or convert) the payment with a predetermined virtual check card associated with the credit card according to the corresponding payment amount. The invention is not limited.

As described above, the credit card issuing application information and / or predetermined virtual check card issuing application information to be associated with the credit card and / or the card usage policy information for each payment amount are received from the customer through the information registration interface means 155 as described above. The server determines whether to issue a credit card to the customer based on the credit card issuing application information (210b).

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

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

During the credit card issuing procedure as described above, and / or after the credit card issuing procedure, the server makes a payment using the credit card from the customer through the information registration interface means 155. According to the amount of money, the predetermined virtual check card associated with the credit card is replaced with (or converted to) a predetermined amount of virtual check card issuing information for applying for a check card replacement (or conversion) payment service for payment processing. Check whether it is received (230b).

If the predetermined virtual check card issuance request information to be associated with the credit card has not been received from the customer in order to apply for the check card replacement (or conversion) payment service for each payment amount (235b), the server is the storage medium 135. The predetermined credit card information generated in the process of performing the credit card issuing procedure is stored (240b), and the process of issuing the credit card to the customer is terminated.

According to another embodiment of the present invention, if the predetermined virtual check card issuing application information to be associated with the credit card to apply for the check card replacement (or conversion) payment service for each payment amount from the customer is not received, the server Check whether there is a check card pre-issued to the customer from the check card D / B 140 by using the customer information included in the credit card issuing application information (or the virtual check card issuing application information); If there is a check card pre-issued to the customer, the pre-issued check card information is extracted and requested to the customer through the information registration interface means 155 to select the check card associated with the credit card, When the customer selects the check card, the check car from the customer via the information registration interface means 155 It is possible to perform the process of receiving the card information and the credit card and associated processing (see Fig. 2a), whereby the present invention is not limited.

On the other hand, if the predetermined virtual check card issuance request information to be associated with the credit card is received from the customer to apply for a check card replacement (or conversion) payment service for each payment amount (235b), the server is based on the virtual check card issuance request information. As a check card issuing procedure provided to the card company (or financial company), the check card issuing procedure is performed to the customer (245b).

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 high account information and / or the customer information included in the virtual check card issuing application information.

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

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

On the other hand, if the check card issuance procedure is performed and the customer issuing a predetermined virtual check card to be associated with the credit card (250b), the server generates predetermined virtual check card information to be associated with the credit card (or check card). Extraction from the result of the issuance procedure) (255b), and stores the credit card information, the virtual check card information, and the card usage policy information for each payment amount in association (260b).

According to an embodiment of the present invention, the card usage policy information for each payment amount may be received from the customer through the information registration interface means 155 as shown in FIG. 2B, in which case the server may receive the credit. Preferably, the card information and the virtual check card information are stored by linking the received card use policy information for each payment amount.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface means 155, as shown in FIG. 2B, and the DBMS 130 and / or Or it may be extracted from the predetermined policy information D / B (145) managed by the DB server 130, in this case, the server uses the extracted credit card information and the virtual check card information card usage policy information for each extracted payment amount It is preferable to store by linking.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface means 155, as shown in FIG. 2B, and the DBMS 130 and And / or extracted from the predetermined policy information D / B 145 managed by the DB server 130, the customer may change (or modify) the card usage policy information for the extracted payment amount. The server preferably stores the credit card information and the virtual check card information by linking and processing the card usage policy information according to the extracted and / or modified (or modified) payment amount.

3 is a diagram illustrating the configuration of an information registration system for processing a payment by replacing (or converting) the credit card payment with a check card associated with the credit card according to a corresponding payment amount after issuing a credit card according to an embodiment of the present invention. Drawing.

In more detail, Figure 3 is a predetermined credit card issued to a predetermined customer from a predetermined credit card company (or financial company) through the credit card issuing system shown in Figure 1, the credit card payment according to the size of the payment amount In order to process payment by replacing (or converting) with a check card associated with a credit card, credit card information previously issued to the customer, a check card previously issued to the customer, and / or a predetermined virtual check card Card usage policy for each payment amount to replace (or convert) check card information and payment using the credit card with a check card and / or a predetermined virtual check card previously issued to the customer according to the payment amount size FIG. 1 shows an information registration system configuration in which information is linked and stored.

If one of ordinary skill in the art to which the present invention belongs, the credit card payment after issuing a credit card within the scope that does not violate the core technical matters of the present invention with reference to this figure 3 according to the payment amount size Various implementation methods may be easily inferred by replacing (or converting) a check card associated with a credit card to process a payment, and refer to the system configuration shown in FIG. 3 and / or modify a part of the system configuration. It is apparent that the present invention is not limited by each method of implementation.

Customers who have been issued a predetermined credit card through the credit card issuing system shown in FIG. 1 use the predetermined customer terminal 300 to apply for a check card replacement (or conversion) payment service for each payment amount according to the present invention. To access the information registration server (or device) 100 provided at the card company (or financial company) via the network 305 and / or communication means 305, wherein the customer terminal 300 is a desktop computer. And / or at least one wired terminal including at least one notebook and / or a CDMA based mobile communication terminal and / or a DataTAC / Mobitex type wireless data communication terminal and / or an IEEE 802.16 based portable Internet terminal. It is preferable to include the wireless terminal included above.

Referring to FIG. 3, the information registration server (or device) 100 transmits the credit to a predetermined customer terminal 300 used by a credit card issuing customer through a predetermined network 305 and / or communication means 305. Interface providing unit 310 that provides an information registration interface for the payment processing by replacing (or converting) a payment using a card with a check card and / or a predetermined virtual check card previously issued to the customer according to the corresponding payment amount size. And issuing a check card registration information and / or a virtual check card issuing application information pre-issued to the customer from the customer terminal 300 and / or payment using the credit card to the customer according to a corresponding payment amount. An information receiving unit 105 for receiving card use policy information for each payment amount to replace (or convert) and replace a check card and / or a predetermined virtual check card with the payment amount; When the check card registration information previously issued to the customer is received by the information receiving unit 105, the check card information corresponding to the check card registration information previously issued to the customer from a predetermined check card D / B 140. The check card verification unit 120 and the information receiving unit 105 to check and extract the predetermined virtual check card issuance request information is received, and generates virtual check card information corresponding to the virtual check card issuance request information When the check card pre-issued to the customer is confirmed through the information generating unit 115 and the check card verification unit 120, the credit card information and the pre-issued check card information are stored in association with each other, or Alternatively, when predetermined virtual check card information is generated through the information generating unit 115, information for storing the credit card information and the virtual check card information in association with the storage medium 135 and storing the same. And a storage card 125, and a check card and / or a predetermined virtual check card pre-issued to the customer according to the payment amount size using the credit card to the information receiving unit 105. The card usage policy information for each payment amount is received to replace (or convert) the payment, and / or the payment using the credit card from the predetermined policy information D / B 145 is performed according to the corresponding payment amount size. When the card usage policy information for each payment amount is extracted to replace (or convert) a check card and / or a predetermined virtual check card pre-issued to the user, the information storage unit 125 stores the credit card information and the information. The virtual check card information is stored in association with the card usage policy information for each payment amount, or the credit card information and the pre-issued check car The card information is stored in association with the card usage policy information for each payment amount.

According to the method of the present invention, the payment processing by replacing (or converting) the credit card payment with the check card associated with the credit card, the customer corresponding to the check card associated with the credit card payment And withdrawal from the customer account associated with the check card by debiting the payment amount in connection with the financial system 560 in which the account is opened, and the payment from the customer account associated with the check card. If the balance of the customer account is insufficient in the process of withdrawing money and debit processing, it is preferable to process the customer account as a negative account for the payment card payment approval to solve this problem.

Therefore, in the process of replacing (or converting) the credit card payment with a check card associated with the credit card, withdrawing the payment amount from the customer account associated with the check card and debiting the customer account. When the balance is insufficient, the information registration server (or device) 100 interlocks with the financial system 560 to open the customer account associated with the check card in order to set the customer account as a negative account for approval of the check card payment. It is preferable to include a negative account confirmation unit 315 to check whether the processing can be a negative account, and a negative account setting unit 320 to set to process the customer account associated with the check card as a negative account.

When the credit card issuing customer accesses the information registration server (or device) 100 through a predetermined customer terminal 300, the interface providing unit 310 sets the payment using the credit card to the corresponding payment amount size. And a user interface for replacing (or converting) with a check card and / or a predetermined virtual check card pre-issued to the customer according to the payment process, and / or providing the customer terminal 300 to output The information registration interface may be provided to the customer terminal 300 through a predetermined network 305 and / or communication means 305.

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 305 and / or a communication means 305, the interface provider 310 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 310 registers information corresponding to a WML (Wireless Markup Language) / HTML compatible web document corresponding to a WAP (Wireless Application Protocol) / ME (Mobile Explorer) protocol. It is desirable to provide an interface.

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

In addition, the information registration interface card for each payment amount to replace (or switch) the payment using the credit card with a check card and / or a predetermined virtual check card pre-issued to the customer according to the corresponding payment amount size. It is preferable to include a user interface for inputting (or selecting) usage policy information, and the user interface for inputting (or selecting) card usage policy information for each payment amount may be omitted according to the intention of a person skilled in the art. The information registration server (or device) 100 may extract the card usage policy information for each payment amount from the policy information D / B 145 managed by the predetermined DBMS 130 and / or the DB server 130. .

According to another exemplary embodiment of the present invention, the interface providing unit 310 is the payment information from the policy information D / B 145 managed by the DBMS 130 and / or 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 amount, in this case, the customer terminal 300 may change (or modify) the card usage policy information for each payment amount.

The information receiving unit 105 replaces (or converts) the payment using the credit card from the customer terminal 300 with the check card associated with the credit card according to the corresponding payment amount, and selects the payment to the customer to process the payment. And the issued check card registration information and / or predetermined virtual check card issuing application information. In this case, the policy information D / B 145 managed by the DBMS 130 and / or the DB server 130 may be used. Extract the card usage policy information for each payment amount by replacing (or converting) the payment using the credit card with a check card and / or a predetermined virtual check card previously issued to the customer according to the payment amount size. It is desirable to.

In addition, the information receiving unit 105 replaces (or converts) the payment using the credit card from the customer terminal 300 with the check card associated with the credit card according to the corresponding payment amount size to process the payment. Check card registration information and / or predetermined virtual check card issuance application information pre-issued to the customer and a check card and / or predetermined virtual check card previously issued to the customer according to the amount of the payment amount. It is characterized in that for receiving (using the conversion) card usage policy information for each payment amount to be replaced (or converted).

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

When the credit card issuing application information received by the information receiving unit 105 includes the predetermined virtual check card issuing application information, the information generating unit 115 is a virtual corresponding to the virtual check card issuing application information. And generating the check card information, wherein the virtual check card information includes card information (eg, check card number, expiration date, issuer name, etc.) corresponding to the check card issued to the customer by the card company (or financial company). Information contained therein, predetermined member account information associated with the check card (e.g., a member bank code, member account number, member branch code, etc., in which a predetermined customer account associated with the check card is opened), and The 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, within the balance of the deposit balance) Amounts, points earned and paid policy, additional service information, etc.), etc. comprises at least one.

When predetermined credit card information corresponding to the credit card issuing application information is generated by the information generating unit 115, the information storage unit 125 is stored in the credit card information previously stored in the storage medium 135. Check card information and / or predetermined virtual check card information pre-issued to the customer, and / or payment using the credit card, the check card and / or predetermined virtual pre-issued to the customer according to the payment amount size Card use policy information for each payment amount to be replaced (or converted) with a check card may be linked and stored.

According to an exemplary embodiment of the present invention, the check card confirming unit 120 may replace (or convert) the payment using the credit card with the check card associated with the credit card according to the corresponding payment amount size and process the payment. When the check card information previously issued to the customer is confirmed and extracted, the information storage unit 125 processes the credit card information previously stored in the storage medium 135 in association with the check card information previously issued to the customer. The card storage policy information for each payment amount is received from the customer terminal 300 or extracted from the policy information D / B 145. Preferably, the credit card information stored in the medium 135 is stored in association with the check card information previously issued to the customer and the card usage policy information for each payment amount. .

In general, a negative account is a loan of an amount within a predetermined limit amount to the customer based on the customer credit in the financial system 560 in which the customer account is opened, and whether or not to process the negative account for the customer account is determined. Corresponds to the inherent authority of a financial company equipped with a financial system 560. Therefore, the credit card company (or financial company) and the financial system 560 opened the customer account associated with the check card and the customer account balance associated with the check card during the payment processing using the check card, the check card and It is preferable that a business alliance is already signed to process the linked customer account as a negative account, and the negative account checking unit 315 may use the customer information associated with the check card information based on the business alliance. By providing the financial system 560 through a predetermined financial network 555, the financial system 560 replaces the customer account associated with the check card with the check card based on the customer credit. (Or convert) to connect with the check card in conjunction with the financial system 560 to solve this, if the customer account balance is insufficient during payment processing It is characterized in that it is possible to check whether the processed customer account with a negative account, the financial system 560 checks whether the customer account associated with the check card can be processed as a negative account based on the customer information , The result is preferably returned to the negative account identification unit 315.

According to another exemplary embodiment of the present invention, the balance of the customer account is insufficient (or debited through the customer account) during the check card payment regardless of the customer credit within a predetermined small limit between the card company and the financial system 560. When a business alliance is concluded to set up a negative account for solving the impossible), the negative account checking unit 315 may be omitted, and the present invention is not limited thereto.

When the negative account setting unit 320 is confirmed by the negative account checking unit 315 to set a negative account for solving the shortage of the customer account associated with the check card, the check card information and the customer By providing information to the financial system 560 through a predetermined financial network 555, the financial system 560 is set to process the customer account as a negative account when the balance of the customer account associated with the check card is insufficient. Characterized in that.

According to one embodiment of the invention, the negative account set-up of the customer account associated with the check card, if the customer account balance associated with the check card during the check card payment, the customer associated with the check card in the card company Check whether the account is processed as a negative account, and in response to the verification result, when the financial system 560 requests a negative account processing of the customer account associated with the check card, the financial system 560 processes the negative account. It is preferable to include setting to perform the request.

According to another exemplary embodiment of the present invention, the negative account setting of the customer account associated with the check card is the card company in the financial system 560 when the balance of the customer account associated with the check card is insufficient during the check card payment. It is preferable to include a setting to immediately process a customer account associated with the check card to a negative account based on the business alliance concluded with.

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

In more detail, FIGS. 4A and 4B show a credit card payment after issuing a predetermined credit card from a predetermined card company (or financial company) to a predetermined customer through the credit card issuing system shown in FIG. The credit card information previously issued to the customer, the check card previously issued to the customer, and / or a predetermined virtual check card to replace (or convert) the check card associated with the credit card to process the payment. Per payment amount to replace (or convert) the check card information corresponding to the payment and the payment using the credit card with a check card and / or a predetermined virtual check card previously issued to the customer according to the corresponding payment amount size. As one embodiment of the information registration process for linking and processing the card use policy information, specifically, Figure 4a to the customer The credit card information, the check card information previously issued to the customer, and the card usage policy information for each payment amount are linked to each other. The present invention relates to a method of registering a virtual check card information associated with the credit card and card payment policy information for each payment amount in association.

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

Referring to FIG. 4A, a customer who has been issued a predetermined credit card based on the credit card issuing system shown in FIG. 1 uses the predetermined customer terminal 300 to connect the network 305 and / or the communication means 305. When the server is connected to (and / or logged in to) the server (400a), the server makes a payment using the credit card to the customer terminal 300 through the network 305 and / or the communication means 305. According to the payment amount size, the customer provides a predetermined information registration interface including a user interface for replacing (or converting) with a previously issued check card to process payment (405a), and the customer terminal 300 The check card registration information previously issued to the customer through the information registration interface and / or the payment using the credit card is replaced with the check card previously issued to the customer according to the corresponding payment amount. By the payment card used geumaekbyeol policy information used for payment processing by (or converted) input (or selected) and transmitted to the server (410a).

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

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

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

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

Thereafter, the server replaces (or converts) the payment using the credit card from the customer terminal 300 with a check card pre-issued to the customer according to the corresponding payment amount size, thereby processing the payment. Is received (430a), if the card usage policy information for each payment amount is not received from the customer terminal 300 (435a), the server in the DBMS 130 and / or DB server 130 The card usage policy information for each predetermined payment amount to be associated with the credit card is extracted from the managed policy information D / B 145 (440a).

When the card usage policy information for each payment amount is received from the customer terminal 300 and / or the card usage policy information for each payment amount to be associated with the credit card is extracted from the predetermined policy information D / B 145. In operation 445a, the server stores the credit card information previously stored in the storage medium 135 in association with check card information previously issued to the customer and card use policy information for each payment amount.

Referring to FIG. 4B, a customer who has been issued a predetermined credit card based on the credit card issuing system shown in FIG. 1 uses the predetermined customer terminal 300 to connect the network 305 and / or the communication means 305. (B) accessing the server via the network 305 and / or logging in to the customer terminal 300 via the network 305 and / or the communication means 305. According to the payment amount size provides a predetermined information registration interface including a user interface for replacing (or converting) with a virtual check card associated with the credit card for payment processing (405b), the customer terminal 300 The virtual check card issuance application information associated with the credit card and / or the payment using the credit card through the information registration interface is associated with the credit card according to the corresponding payment amount size. The card usage policy information for each payment amount to be replaced (or converted) with the check card is input (or selected) and transmitted to the server (410b).

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

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

On the other hand, when the check card issuance procedure is performed and the customer issuing a predetermined virtual check card to be associated with the credit card (420b), the server generates predetermined virtual check card information to be associated with the credit card (or check card). Extraction from the result of the issuing procedure) (430b).

Thereafter, the server receives the card usage policy information for each payment amount to replace (or convert) the payment using the credit card with a predetermined virtual check card according to the payment amount size from the customer terminal 300 to process the payment. To check (435b), if the card usage policy information for each payment amount is not received from the customer terminal 300 (440b), the server is managed by the DBMS 130 and / or DB server 130 From the policy information D / B 145, card usage policy information for each predetermined payment amount to be associated with the credit card is extracted (445b).

When the card usage policy information for each payment amount is received from the customer terminal 300 and / or the card usage policy information for each payment amount to be associated with the credit card is extracted from the predetermined policy information D / B 145. In operation 450b, the server associates and stores the virtual check card information and the card usage policy information for each payment amount to credit card information previously stored in the storage medium 135.

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

In more detail, FIG. 5 illustrates a predetermined payment approval request text for credit card payment processing at a merchant equipped with a predetermined payment terminal device 600, and the payment approval request text is stored in a predetermined payment network 550. When transmitted to a predetermined payment server 500 provided to the card company (or financial company), the payment server 500 is linked with the credit card information based on the merchant information included in the full payment approval request is predetermined By reading the card usage policy information for each payment amount stored in the storage medium 135 of the system, the payment approval request is approved by a credit card payment or a system configuration for processing the approval by a check card associated with the credit card. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to determine the corresponding payment amount. Various system configurations (e.g., assured clicks on VISA, and / or National / BC Internet Security Payments) can be used to replace (or convert) a credit card payment with a check card associated with the credit card. Security Payment (ISP) through the online credit card payment system corresponding to the payment amount in accordance with the amount of the credit card associated with the check card associated with the credit card (or switch) configured to process the payment process) It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

The system for processing payment by replacing (or converting) a credit card payment with a check card associated with the credit card according to a corresponding payment amount size is provided in at least one or more affiliated stores and provides a credit card payment. And a card company (or financial company) that issues the credit card and 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). And a payment server 500 for performing a credit card payment processing and replacing (or converting) a credit card payment with a check card associated with the credit card according to the corresponding payment amount. Characterized in that, when the credit card payment is replaced (or converted) to the check card, a predetermined financial time when a financial account associated with the check card is opened It comprises a system (560) to and preferable.

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 a predetermined financial network 555 is connected to the payment server 500 provided in the card company (or financial company) 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 financial institution) account, 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 replaces (or converts) a payment using the credit card with a check card and / or a predetermined virtual check card pre-issued to the customer according to the corresponding payment amount, so that the payment process is performed by the card company ( Or a financial company), and linked to the check card through a predetermined financial network 555 (eg, a dedicated communication network connecting at least one card company (or financial company) and the financial system 560). It is characterized in that the account is connected to the opened financial system 560.

According to an embodiment of the present invention, the payment server 500 includes a storage medium 135 for storing the credit card information, the check card information, and the card usage policy information for each payment amount in association with each other, and / or predetermined It is preferred to interface with the storage medium 135 via 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 credit 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. ), A credit card information including the credit card number extracted from the storage medium 135 and an information reading unit 510 for extracting a credit card number and predetermined payment amount information by reading the full text of the payment approval request. Extract the card usage policy information for each payment amount stored in association with the payment; read the card usage policy information for each payment amount based on the extracted merchant information, and process the payment processing corresponding to the payment approval request text with the credit card; Or an information confirmation unit 515 to confirm and determine whether to process the payment by replacing (or converting) with a check card associated with the credit card. And characterized in that formed, it is made by a check card associated with the credit card comprises a virtual debit cards issued in connection with the actual check card, or the credit card to the customer at least one.

According to the present invention, the payment processing by replacing (or converting) the credit card payment with a check card associated with the credit card includes opening a customer account corresponding to the check card associated with the credit card. In conjunction with the financial system 560, the payment amount is characterized in that it comprises a withdrawal processing from the customer account associated with the check card.

In addition, when the balance of the customer account is insufficient in the process of debiting the payment amount from the customer account associated with the check card in conjunction with the financial system 560 opened the customer account corresponding to the check card, The settlement of the credit card payment by replacing (or converting) the credit card payment with the check card associated with the credit card further comprises processing the customer account as a negative account for the check card payment approval. Do.

When the credit card payment processing is performed using the credit card payment means as it is, the payment server 500 stores the payment processing corresponding to the full text of the payment approval request. Preferably, the credit card payment approval unit 525 performs a credit card payment approval procedure based on the credit card information stored in the medium 135.

Alternatively, the information verification unit 515 confirms that the credit card payment processing is linked with the financial system 560 in which the customer account corresponding to the check card associated with the credit card is opened to link the payment amount with the check card. When the customer withdraws from the customer account and debits the payment, the payment server 500 performs the payment processing corresponding to the full payment approval request text based on the check card information stored in the storage medium 135. It is preferable to further include a check card payment approval unit 520 for performing the check card payment approval procedure in conjunction with the opened financial system 560.

Alternatively, when the check card payment approval unit 520 runs with the financial system 560 in which the customer account is opened, and performs the check card payment approval procedure, the balance of the customer account associated with the check card is insufficient. In order to solve the problem, the server 500 preferably further includes a negative account processing unit 530 which processes the customer account as a negative account for the payment card payment approval.

According to an embodiment of the present invention, the payment server 500 includes a predetermined payment including a payment approval result generated by the credit card payment approval unit 525, the check card payment approval unit 520, or the cash service processing unit. It is preferable to include a full text generation unit 535 for generating a full text approval, and a full text transmission unit 540 for transmitting the generated payment approval full text to the payment terminal device 600 through the payment network 550. Do.

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

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

The information reading unit 510 replaces (or converts) the payment using the credit card with the check card associated with the credit card according to the corresponding payment amount, and determines whether to process the payment. The credit card number and payment amount information included in the full payment approval request is extracted. The extracted credit card number and merchant information are provided to the information verification unit 515.

The information checking unit 515 checks the credit card information including the extracted credit card number from the storage medium 135, and extracts the card usage policy information for each payment amount stored in association with the credit card information.

In addition, the information checking unit 515 reads out the extracted card use policy information for each payment amount based on the extracted affiliated store information, and performs payment processing corresponding to the full payment approval request through the credit card. Or check or determine whether to process the payment by replacing (or converting) the check card associated with the credit card.

If it is determined that the payment processing corresponding to the payment approval request full text is credited through the credit card and the payment processing is performed, the credit card payment approval unit 525 makes a payment from the full text of the payment approval request. Extracting the amount and confirming that the accumulated credit settlement amount including the extracted settlement amount exceeds the credit settlement limit amount (or total limit amount) included in the credit card information stored in the storage medium 135; Characterized in that the credit card payment processing, the credit approval result is provided to the full text generation unit (535).

If it is determined that the payment processing corresponding to the payment approval request full text is replaced (or converted) with a check card associated with the credit card through the credit card, the payment processing is approved. The unit 520 extracts a payment amount from the full payment approval request, calculates a predetermined payment fee based on the payment amount, and calculates a predetermined approval request amount by adding the calculated payment fee and the payment amount. Characterized in that.

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 based on the check card number extracted from the full payment approval request (or check card and And extracting member account information including a member bank code, a member account number, and a member branch code corresponding to the linked customer account.

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 on the account book corresponding to the member account. It is desirable to generate more content.

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

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

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

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

If the debit processing using the check card is not approved, the negative account processing unit 530 may calculate a predetermined negative account processing amount based on the card usage policy information for each payment amount.

According to an exemplary embodiment of the present invention, the calculated negative account processing amount may include an amount corresponding to an approval request amount calculated based on a payment amount extracted from the full payment approval request.

According to another exemplary embodiment of the present invention, the calculated negative account processing amount is a customer associated with the check card among the approval request amount (or the payment amount) calculated based on the payment amount extracted from the full payment approval request. It is preferable to include the amount corresponding to the partial amount corresponding to the shortage of the account balance.

According to another embodiment of the present invention, the calculated negative account processing amount is the total credit limit for the payment approval request requested through the check card until the shortage of the customer account balance associated with the check card is resolved. It is preferable to include the amount corresponding to, and the present invention is not limited thereby.

According to an embodiment of the present invention, the payment server 500 and the financial system 560 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 555, and the negative account processing amount is increased. Once calculated, the negative account processing unit 530 may add a predetermined negative account fee (or may be omitted according to a card company (or financial company) policy) to the negative account processing amount and / or a predetermined account corresponding to the financial system 560. It is preferable to calculate the negative account processing amount by summing transfer fees (or omission according to a business partnership between the card company (or financial company) and the financial system 560).

Subsequently, the negative account processor 530 interoperates with the financial system 560 to process a negative deposit on the negative account processing amount to a customer account associated with the check card, thereby allowing the check card payment to be approved. It is done.

According to the exemplary embodiment of the present invention, the negative account processing unit 530 requests the check card payment approval unit 520 to perform the check card based payment approval procedure after the negative account processing is performed. The payment approval request is processed to be approved for payment through the negative account.

According to another embodiment of the present invention, the payment server 500 and the financial system 560 are not connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 555 (or the communication channel is In the blocked state), when the negative account processing amount is calculated, the negative account processing unit 530 may be omitted by a predetermined negative account service fee (or credit card (or financial company) policy) to the negative account processing amount and / or Or a predetermined account transfer fee corresponding to the financial system 560 (or may be omitted depending on a business partnership between a card company (or a financial company) and the financial system 560), and the payment server 500 and the financial system ( After the 560 is connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 555, the calculated negative account processing through the financial network 555 This solution is characterized in that schedule the negative depositing process to the customer account associated with the debit card.

Thereafter, the negative account processing unit 530 requests the approval processing unit to perform the check card-based payment approval procedure based on the negative account processing reservation, and the approval processing unit does not interwork with the financial system 560. The payment card-based payment approval request is processed to be approved through the negative account. In this case, when the payment server 500 and the financial system 560 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 555, the negative account processing unit 530 processes the negative account. On the basis of the reservation through the financial network 555 to the negative credit processing amount of the reserved account to the check card linked customer account provided in the financial system 560, the payment approval unit of the approval processing unit Characterized in that the post-approval process for the check card-based payment processed the day before through the financial network (555).

According to another embodiment of the present invention, the storage medium 135 can be accessed from the financial system 560 (eg, the check card unit of the external system 565) in which the customer account associated with the check card is opened. And / or information stored in the DBMS 580 included in the financial system 560 to process a customer account associated with the check card as a negative account, the negative account processing unit 530 may be configured to perform the financial system. 560 may be provided (for example, the check card portion of the external system 565), and the present invention is not limited thereby.

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

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

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

A method of requesting and processing a customer approval for replacing (or converting) a credit card payment with a check card associated with the credit card at each time of providing the credit card based electronic payment service, the payment terminal When the device 600 is a client terminal that supports an online credit card payment service, the customer approval processing unit 545 generates a predetermined authentication number and transmits it to the customer wireless terminal through a predetermined wireless communication network. 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.

A method of requesting and processing a customer approval for replacing (or converting) a credit card payment with a check card associated with the credit card at each time of providing the credit card based electronic payment service, the method comprising: If the payment terminal device 600 is a merchant terminal supporting an offline credit card payment service, the customer wireless terminal approaches the customer approval processing unit 545 through a predetermined wireless communication network before the credit card payment is performed. The customer approval processing unit 545 generates a predetermined authentication number and transmits it to the customer wireless terminal through a predetermined wireless communication network, and then uses a predetermined check card associated with the credit card during the credit card payment according to the present invention. In the process of providing a cash service, the authentication number is input to the merchant terminal, the merchant terminal is the It may be made by sending the number to the payment server 500, including the predetermined request payment authorization professional.

A method of requesting and processing a customer approval for replacing (or converting) a credit card payment with a check card associated with the credit card at each time of providing the credit card based electronic payment service, the method comprising: If the payment terminal device 600 is an affiliated store terminal that supports an offline credit 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 credit card payment is a predetermined check card associated with the credit card by the card usage policy information for each payment amount in the payment server 500 of the credit card payment through the issued credit card. When the replaced (or converted) process, the payment terminal device 600 for processing the same as one embodiment, if one of ordinary skill in the art to which the present invention, reference 6 and / Alternatively, when the credit card payment is replaced (or converted) with a predetermined check card associated with the credit card during the credit card payment, various payment terminal devices 600 for processing the same may be performed. It will be appreciated, however, that the present invention encompasses all such inferred practice methods.

Referring to FIG. 6, the payment terminal device 600 basically includes a control unit 605, a memory unit 650, a card reader unit 610, a key input unit 620, a screen output unit 615, and a communication processing unit 630. And a power supply unit 625 for supplying power to the security application module 635, the print output unit 640, and the payment terminal 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, and the credit card payment from the payment server 500 with the credit card If the processing is replaced (or switched) with a predetermined check card associated with, characterized in that to control the components provided in the payment terminal device 600 to process this, and hardware (Central Processing Unit) / At least one processor including an MPU (Micro Processing Unit), an execution memory (for example, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, In addition, in order to perform a function specific to the payment terminal device 600 in software, it is loaded from the predetermined recording medium into the execution memory and loaded by the processor. Include a predetermined program routine and / or program data to be arithmetic (and thus, if processed by replacing (or converting) the credit card payment with a predetermined check card associated with the credit card, to process it The control unit 605 is provided with a component that can be processed in software from a predetermined program recorded on a recording medium provided in the payment terminal device 600 and / or a functional configuration included in the payment terminal device 600. It is characterized in that).

According to the exemplary embodiment of the present invention, the control unit 605 may include components (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 credit card payment service defined in (600), the payment server 500 is processed by replacing (or converting) the credit card payment with a predetermined check card associated with the credit card. In this case, in order to process this, the components provided in the payment terminal device 600 are controlled to interoperate with each other, and / or a predetermined check card associated with the credit card for credit card payment in the payment server 500. Replaced by (or switched to) , It is preferred to run the program to be recorded in a recording medium provided in the payment terminal device (600) for processing.

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 an embodiment of the present invention, the memory unit 650 stores a payment processing approval history using the credit card, and the predetermined payment card credited by the payment server 500 associated with the credit card. In the case of processing by replacing (or converting) with a check card, a check card processing including at least one check card payment history and / or negative account processing details processed by replacing (or converting) the credit card payment with the check card. It is desirable to have a storage area for storing details.

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

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

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

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

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

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

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

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

According to an exemplary embodiment of the present invention, the key input unit 620 may provide key data corresponding to the credit card payment service from at least one key input device for the credit 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 during the payment terminal device 600 performs a predetermined function (for example, credit 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 credit card payment processing screen according to each credit card payment step to the screen output device for the credit card payment service defined in the payment terminal device 600 It is preferable to perform the function of the screen output means for outputting, or outputs the credit card payment history and / or check card payment history or minus account processing history, etc. included in the payment approval message received from the payment server 500 It is preferable to perform the function of the screen output means.

The communication processing unit 630 performs a payment network 550 (eg, a value added network (VAN)) while the payment terminal device 600 performs a predetermined function (for example, a credit 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 credit 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 credit card payment function). Encrypting or decrypting a predetermined message (information or data), adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function; It is characterized by performing a function of storing important key information in the tablet.

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 credit 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 credit card-based payment means information read from a predetermined credit card, payment information including a credit card payment amount, and a terminal number (or merchant number). Sending the generated credit card payment approval request message to the predetermined payment network 550 through the payment message generation unit 655 for generating a full credit card payment approval request message including merchant information and the communication processing unit 630. A receiving unit 665 for receiving a credit card payment approval message corresponding to the credit card payment approval request message from the payment network 550 through the transmission unit 660, the communication processing unit 630, and the received message. Authorized full edition that reads the full credit card payment authorization statement and includes the credit card payment details and / or check card payment details and / or negative account processing details. Approved by the unit 670, the received credit card payment approval full text by the details and output through the screen output unit, and / or storing the received credit card payment approval full text by the approval details stored in the memory unit It is characterized by comprising a specialized processing unit 675.

The payment professional generation unit 655 is credit card-based payment means information read from a predetermined credit card through the card reader unit 610, input from the key input unit 620, and / or the communication processing unit ( Payment information including a credit 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 full credit card payment approval request made.

The transmission unit 660 transmits the credit card payment approval request message generated by the payment message generation unit 655 through a predetermined payment network 550 (eg, a value added communication network) through the communication processing unit 630. Network; VAN)), the credit card payment approval request is sent to the payment server 500 provided in the card company (or financial company) that issued the credit card through the payment network (550) do.

Subsequently, the payment server 500 uses the credit card as it is based on the card usage policy information for each predetermined payment amount associated with the credit card information based on the function configuration shown in FIG. Payment processing, or by replacing (or converting) the credit card payment with a check card associated with the credit card, the payment processing, whereby the payment server 500 credit card payment history and / or check card payment history And / or generate a payment approval message including at least one minus account processing history and transmit it to the payment terminal device 600, wherein the receiving unit 665 transmits a predetermined payment network 550 through the communication processing unit 630. From) characterized in that receiving the payment approval full text.

The approval message reader 670 reads the payment approval message received through the receiving unit 665, and thus the credit card payment details and / or check card payment details and / or negative account processing details included in the payment approval message. It is characterized by reading and confirming.

The approval message processing unit 675 is linked with the screen output unit 615 and / or print output unit 640, the credit card payment history and / or included in the payment approval message received through the receiving unit 665. The check card payment details and / or negative account processing details may be classified into respective details and output to the screen output device and / or the printing device 645 provided in the payment terminal device 600.

In addition, the approval specialized processor 675 is linked to the memory unit 650, the credit card payment history and / or check card payment history and / or negative account included in the payment approval message received through the receiving unit 665. It is characterized in that the processing history is classified by each of the details and stored in the memory unit 650 provided in the payment terminal device 600.

7 is a view illustrating a credit 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 credit card payment processing. Value Added Network (VAN)) is an example of an implementation method for a credit card payment approval request structure that is transmitted to a card company (or financial company), if one 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 the present invention. However, the present invention includes all the implementation methods inferred from the above. The payment approval request specialized structure is not limited to that illustrated in FIG.

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

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

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

In more detail, FIGS. 8A, 8B, and 8C show a credit card payment approval request message as shown in FIG. 7 from a predetermined payment terminal device 600 to a predetermined card company (or financial company) through a predetermined payment network 550. After transmitting, in the case where the payment server 500 provided in the card company (or financial company) applies the card usage policy information for each payment amount associated with the credit card information to the credit card payment processing, the payment server 500 As an example of an implementation method for a payment approval specialized structure received from the payment terminal device 600 from FIG. 8, specifically, FIG. 8a shows that the credit card payment is used as it is as a result of applying the card use policy for each payment amount. Is for the full payment approval for the payment process, and Figure 8b shows that the credit card payment is the new In the case of the debit processing, the payment amount is withdrawn from the customer account associated with the check card in connection with the financial system 560 in which the customer account corresponding to the check card associated with the credit card is opened. 8c shows a payment approval mixed message for a case where a customer account corresponding to a check card associated with the credit card is processed as a negative account for the amount corresponding to the credit card payment amount as a result of applying the card use policy for each payment amount. It is about.

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

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

The credit card payment approval message is made up of a plurality of approval result items, and each approval result item is classified through a predetermined file separator (File Separator, 0X1C).

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

As a result of applying the card usage policy for each payment amount, referring to FIG. 8A corresponding to the payment approval message for the case where the credit card payment is processed using the credit card as it is, the transaction classification item included in the payment approval message is The credit card payment approval request shown in Figure 7 preferably correspond to the transaction category included in the full.

As a result of applying the card usage policy for each payment amount, the payment amount is debited from the customer account associated with the check card in connection with the financial system 560 in which a customer account corresponding to the check card associated with the credit card is opened. Referring to FIG. 8B corresponding to a payment approval mixed message for a case, the payment approval message may include a check card type name item including a check card type name associated with the credit card in the payment approval message shown in FIG. 8A. A check card payment transaction item corresponding to a check card payment transaction classification through a check card associated with the credit card, and a check card payment amount item including a check card payment amount through a check card associated with the credit card; , A check card payment status value item through a check card associated with the credit card (eg, 'O': check card payment normal processing, 'X': Card payment processing error) and a check card payment authorization number item through a check card associated with the credit card (for example, if the status value item is 'O', a check card through a check card associated with the credit card). If the payment approval number, or the status value item is 'X', check card payment rejection reason code, etc. through the check card associated with the credit card) is characterized in that it further comprises.

As a result of applying the card use policy for each payment amount, the figure 8c corresponding to the payment approval mixed text for the case where the customer account corresponding to the check card associated with the credit card is processed as the amount corresponding to the credit card payment amount Referring to FIG. 8A, the payment approval message may include a check card type name item including a check card type name associated with the credit card and a negative account transaction through the check card associated with the credit card. A negative account transaction division item corresponding to the division, a negative account processing amount item including a negative account processing amount through a check card associated with the credit card, and a negative account status value item through a check card associated with the credit card (E.g., 'O': negative account normal processing, 'R': negative account processing reservation, 'X': negative account Error) and a negative account authorization number item through a check card associated with the credit card (eg, if the status value item is 'O', a negative account authorization number through a check card associated with the credit card, Or when the status value item is 'X', a negative account rejection reason code through a check card associated with the credit card).

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

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

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 a method for transmitting a full credit 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 of the person skilled in the art. The terminal device 600 may infer various implementation methods of generating the full credit card payment approval request message 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 having a predetermined credit card payment means through a predetermined card reader, reads the credit card payment means information from the card (900), Receive credit card payment information including a payment amount through a predetermined key input device, and / or receives a payment amount from a predetermined POS terminal (905), the 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 credit card payment approval request message including the credit card payment means information, the credit 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 credit card (920).

10 is a diagram illustrating a process of applying a card usage policy for each payment amount to a credit 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, in FIG. 10, a credit card payment approval request corresponding to a full payment approval request received from the payment terminal device 600 is stored in the storage medium 135 through the process illustrated in FIG. 9. As an embodiment of the present invention, a method of determining whether to process a payment using the credit card by applying a usage policy or to process a payment by replacing (or converting) with a check card associated with the credit card, If one of ordinary skill in the art, various embodiments of the present invention to apply and use the credit card payment policy stored in the storage medium 135 to the credit card payment approval request in accordance with the intention to those skilled in the art by referring to and / or modifying the Figure 10 Although it can be inferred, the present invention is not limited by the inferred method of implementation. 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 credit card payment approval request is complete (1010).

If the received payment approval request full text is not the credit card payment approval request text according to the present invention (for example, if the extracted card number is not a credit 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 credit card payment approval request full text according to the present invention (eg, if the extracted card number is a credit card number) (1015), the server is the credit card payment approval request full text structure The credit card number and payment amount information are extracted from the credit card payment approval request text (1025), and the credit card information including the extracted credit card number is checked from the storage medium 135 (1030).

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

On the other hand, if the credit card information including the credit card number is confirmed from the storage medium 135 (1035), the server is processed in connection with the credit card information from the storage medium 135 card information policy for each payment amount stored Extract (1040) and read credit card usage policy information for each payment amount extracted from the storage medium 135 on the basis of the payment amount information extracted from the payment approval request message; In operation 1045, it is determined whether the card payment request is processed through the credit card payment means, or whether the payment is performed by replacing (or converting) with the check card payment means associated with the credit card.

According to an embodiment of the present invention, when the amount of payment amount to be processed through the credit card payment means is included in the card usage policy information for each payment amount, the server determines that the extracted payment amount information is the card usage policy for each payment amount. If the amount of payment included in the information is larger than the size, the credit card payment request is determined to be processed through the credit card payment means, and if the extracted payment amount information is within the payment amount size, the credit card payment request It is determined to process the payment through the check card payment means.

If it is determined that the credit card payment request is to be processed through the credit card payment means (1050), the server receives the payment approval request corresponding to the full payment approval request message as shown in FIG. Process through credit card payment method.

On the other hand, if it is determined that the credit card payment request is to be processed through the check card payment means associated with the credit card (1050), the server is shown in Figure 12, Figure 14a, Figure 14b, Figure 15a, Figure 15b, As shown in FIG. 16 and FIG. 17, the payment approval request corresponding to the full payment approval request is processed through the check card payment means associated with the credit card.

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

In more detail, FIG. 11 illustrates that the storage medium 135 is determined as a result of applying the policy shown in FIG. 10 to process a payment approval request corresponding to the full payment approval request through a credit card payment means. As an embodiment of the present invention, a payment approval request corresponding to the full payment approval request is processed through credit card information (for example, credit card information stored in the storage medium 135 in association with check card information). Those skilled in the art to which the present invention pertains, refer to and / or modify this figure 11 to the person skilled in the art according to the intention in the payment server 500, the payment approval request corresponding to the full payment approval request in the credit card Various implementation methods of credit settlement processing may be inferred through the payment means, but the present invention is not limited to the implementation method inferred. Should you. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 11, when it is determined that the payment approval request corresponding to the full payment approval request is processed through the credit card payment means as a result of applying the policy shown in FIG. 10, the server stores the storage medium ( 135 extracts the credit card information associated with the check card information including the extracted check card number (1100), and extracts a predetermined payment amount from the full text of the payment approval request (1105).

Thereafter, the server compares the accumulated payment amount including the extracted settlement amount with the credit settlement limit amount (or total limit amount) included in the credit card information stored in the storage medium 135, thereby comparing the settlement amount. In operation 1110, it is possible to approve the credit settlement through the credit card payment means corresponding to the credit card information.

If the payment approval request cannot approve the credit payment through the credit card payment means (1115), the server sends the check card payment error result and the check card payment approval request to the credit card payment means as shown in FIG. Generates a predetermined payment approval full text including a credit card payment error result (1120).

On the other hand, if the payment approval request can approve the credit payment through the credit card payment means (1115), the server performs a credit payment approval procedure for the payment amount through the credit card payment means (1130). .

If the credit settlement approval process through the credit card payment means is completed (1130), the server generates a payment approval message including the check card payment details and the credit card payment details through the credit card as shown in FIG. 8b. In operation 1135, the credit card payment details through the credit card are stored in association with the credit card information (1140), and the generated payment approval message is stored in the payment terminal device through the payment network 550. 600) (1145).

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

In more detail, Figure 12 shows the result of applying the card use policy for each payment amount shown in Figure 10, the payment approval request corresponding to the full payment approval request, the credit card payment approval request check card payment means associated with the credit card If it is determined to process through, through the check card information stored in the storage medium 135 (or check card information stored in the storage medium 135 is processed in association with credit card information) payment corresponding to the full payment approval request As an exemplary method of processing an approval request, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 12 to approve the payment in the payment server 500 according to the intention of those skilled in the art. It is possible to infer various implementation methods for processing the payment approval request corresponding to the entire request through the check card payment method. It is not limited by the exemplary method of the inference. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 12, when it is determined that the payment approval request corresponding to the full payment approval request is processed through the check card payment means, as a result of applying the card use policy for each payment amount shown in FIG. A predetermined payment amount is extracted from the full approval request (1200), a check card payment fee is calculated by applying a predetermined check card fee rate to the extracted payment amount (1205), and the extracted check card payment amount and the check The card fee is summed to calculate a predetermined authorization request amount (1210).

Thereafter, the server extracts the check card information stored in association with the credit card information from the storage medium 135 based on the extracted credit card number (1215), and the card company account number included in the check card information. And, after extracting the member bank code, member account number and member point code, etc. (1220), after generating the contents to be transferred to the member bank account after the debit processing based on the check card (1225), the check card number as shown in Figure 12 And (1230) generate a check card debit processing authorization request message including the card company account number, the authorization request amount, the member bank code, the member account number, the member branch code, and the contents of the bank account factor (1230). The full debit authorization request card is transmitted through a predetermined financial network 555 to the financial system 560 corresponding to the member bank code (1235).

FIG. 13 is a diagram illustrating a check card debit processing approval request specialized structure defined between a payment server 500 and a financial system according to an embodiment of the present invention.

In more detail, in FIG. 13, the payment server 500 includes the financial system 560 between a payment server 500 provided at the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. As an example of an embodiment of a specialized structure for requesting a debit authorization for the check card, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 13 It will be possible to infer the entire debit authorization request request debit card according to the intention, but the present invention includes, but is not limited to all implementation methods inferred.

Referring to FIG. 13, the payment server 500 moves to the financial system 560 between a payment server 500 provided at the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. The debit authorization for the debit card requesting the debit authorization for the debit card includes a common part of 57 bytes and an individual part of 293 bytes, wherein the common part is the payment server for the check card-based payment processing. Characterized in that it is commonly included in all transaction data transmitted and received between the 500 and the financial system 560. Those skilled in the art to which the present invention pertains will clearly understand the items defined in the common part of the check card debit authorization request full text, and thus the detailed description thereof will be omitted for convenience.

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

14A and 14B are diagrams illustrating an operation process of the financial system 560 which has received the full check card debit processing approval request message from the payment server 500 according to the embodiment of the present invention.

More specifically, Figures 14 and 14b are received from the payment server 500 in the financial system 560 in which the member account associated with the check card is opened and receives the full check card debit processing approval request as shown in Figure 13 As shown in FIG. 14A, a method of providing a service for providing a service to the payment server 500 by checking whether the debit card is approved based on the balance of the member account associated with the check card is provided. During the check card payment according to the present invention, the negative account processing unit that provides a negative account service for approving the check card payment for the customer account associated with the check card is provided in the card company (or financial company) as shown in FIG. The case is provided in the server 500, Figure 14b is a customer account associated with the check card of the check card payment according to the present invention For adding the negative account processing to provide a service for checking the negative account card payment authorization is for the case provided in the financial system (560).

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 14 and 14b, and, according to the intention of the person skilled in the art, to the customer account associated with the check card during check card payment according to the present invention. Various service providing methods for the financial system 560 for providing a negative account service for approving a check card payment may be inferred, but the present invention includes all the inferred implementation methods. 14 and 14b are by no means limited.

The negative account processing unit that provides a negative account service for approving a check card payment for a customer account associated with the check card during payment of the check card according to the present invention is provided in the card company (or financial company) as shown in FIG. Referring to 14a, the financial system 560 receiving the full check card debit processing approval request as shown in Figure 13 from the payment server 500 provided in the card company (or financial company) through the process as shown in Figure 12, The authorization request amount, the member account number, and the member branch code are extracted from the check card debit processing approval request text (1400a), and the balance information of the member account is extracted using the member account number and the member branch code (1405a). .

Thereafter, the financial system 560 compares the approval request amount with the member account balance information, and confirms whether or not the check card debit processing approval corresponding to the full check card debit processing approval request is approved (1410a). 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 verified (1415a), the financial system 560 generates a predetermined check card debit authorization result including the check card debit denied (or debit error) (1420a). ).

On the other hand, if the check card debit authorization is confirmed (1415a), the financial system 560 generates a predetermined check card debit authorization result including the check card debit authorization (1425a).

Thereafter, the financial system 560 generates a predetermined check card debit processing approval result message including the check card debit processing approval result (1430a), and generates the 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 (1435a).

The negative account processing unit that provides a negative account service for approving a check card payment for a customer account associated with the check card during payment of the check card according to the present invention is provided in the card company (or financial company) as shown in FIG. Referring to 14b, the financial system 560 which has received the check card debit processing approval request message as shown in FIG. 13 from the payment server 500 provided at the card company (or financial company) through the process as shown in FIG. An authorization request amount, a member account number, and a member point code are extracted from the check card debit processing approval request text (1400b), and the balance information of the member account is extracted using the member account number and the member point code (1405b).

Thereafter, the financial system 560 confirms whether or not the check card debit processing approval corresponding to the full check card debit processing approval request is approved by comparing the approval request amount with the member account balance information (1410b). 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.

On the other hand, if the check card debit processing approval is confirmed (1415b), the financial system 560 generates a predetermined check card debit processing approval result including the check card debit processing approval (1420b), and the check card debit processing Generate a full check card debit processing approval result message including the approval result (1425b), and generate the full check card debit processing approval result message through the predetermined financial network 555 to complete the check card debit processing approval request message. The transmission is transmitted to the payment server 500 (1430b).

On the other hand, if the check card debit authorization is not confirmed (1415b), the financial system 560 is connected with the check card from the DBMS 580 through the member account number (eg, customer account information associated with the check card). The associated negative account processing agreement signing information is checked (1435b).

If the negative account processing contract information is not confirmed (1440b), the financial system 560 generates a predetermined check card debit processing approval result including the check card debit processing denial (or debit processing error) ( 1445b), generating a predetermined check card debit processing approval result text including the check card debit processing approval result (1425b), and generating the full check card debit processing approval result text through the predetermined financial network 555; The check card is transmitted to the payment server 500 that has sent the debit processing approval request message (1430b).

On the other hand, if the negative account processing contract information is confirmed (1440b), the financial system 560 processes the check card linked minus account contract processing information stored in association with the negative account processing contract information from the DBMS 580. Extract (1450b), calculate a predetermined negative account processing amount based on the authorization request amount (1555b), and then process a negative deposit processing of the negative account processing amount to a customer account associated with the check card (1460b), The check card payment is normally processed for payment approval.

Thereafter, the financial system checks a predetermined check including the negative account processing history (eg, a check card debit processing approval result including processing that the check card payment is approved by processing the customer account associated with the check card as a negative account). Generate a card debit authorization result (1465b), generate a predetermined check card debit authorization result text including the check card debit authorization result (1425b), and generate the generated debit authorization through the predetermined financial network 555 A check card debit processing approval result text is transmitted to the payment server 500 which transmits the check card debit processing approval request text (1430b).

15A and 15B illustrate an operation process of the payment server 500 that receives the full check card debit processing approval result from the financial system 560 according to the embodiment of the present invention.

In more detail, FIG. 15A illustrates an embodiment of a service providing process of a payment server 500 that receives a full check card debit processing approval result from the financial system 560 associated with the check card through the process shown in FIG. 14A. FIG. 15B illustrates a service providing process of a payment server 500 that receives a full payment of a debit card approval result through a process as shown in FIG. 14B from a financial system 560 associated with the check card. As one exemplary method is illustrated, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 15a and 15b to check the payment according to the present invention during check card payment according to the intention of those skilled in the art. It is possible to infer various service provision methods for the payment server 500 that provides a negative account service for approving check card payment for card linked customer accounts. As will be appreciated, the present invention encompasses all inferred implementation methods, and the method of providing the service is not limited to that shown in FIG. In the following Figures 15a and 15b, the payment server 500 is referred to as a "server" for convenience.

Referring to FIG. 15A, the payment server 500 that receives the full check card debit processing approval result from the financial system 560 associated with the check card through the same process as that shown in FIG. 14A, approves the received check card debit processing. The full text of the result is read to confirm whether the debit card is approved (1500a).

If the check card debit processing approval result of the check card debit processing approval request is confirmed (1505a), the server generates a predetermined check card payment approval result including the check card debit processing approval result (1510a), As shown in FIG. 17, a check card payment approval message is generated and transmitted to the payment terminal device 600.

On the other hand, if the debit authorization of the check card debit authorization request request is denied (e.g., the member account balance is smaller than the authorization request amount) (1505a), the server stores the storage medium through the check card number. From step 135, it is checked whether the check card information and the negative account service contract conclusion information for the check card payment approval for the check card linked customer account according to the present invention are linked and stored (1515a).

If the verification result does not confirm the negative account service contract execution information for the check card payment approval for the check card linked customer account (1520a), the server may include a check card debit (or debit processing error) result. Generate a check card payment approval result (1525a), and performs the procedure of generating a check card payment approval full text as shown in Figure 17 to the payment terminal device 600.

On the other hand, if the check result of the confirmation account payment contract information for the check card payment approval for the check card linked customer account (1520a), the server is processed in association with the contract conclusion information from the storage medium 135 and stored negative The account service contract processing information is extracted (1530a), and the negative account service contract processing information for the check card payment approval for the check card linked customer account is performed using the extracted negative account service contract processing information as shown in FIG.

Referring to FIG. 15B, the payment server 500 receiving the full check card debit processing approval result through the same process as that of FIG. 14B from the financial system 560 associated with the check card, approves the received check card debit processing. The full text of the result is read to confirm whether the debit card is approved (1500b).

If the check card debit processing approval result of the check card debit processing approval is confirmed (1505b), the server generates a predetermined check card payment approval result including the check card debit processing approval result (1510b), As shown in FIG. 17, a check card payment approval message is generated and transmitted to the payment terminal device 600.

On the other hand, if the check card debit authorization is rejected (e.g., if the member account balance is smaller than the authorization request amount) (1505b), the server reads the full debit authorization result. Check whether a negative account processing history is included (1515b).

If the entire check card debit authorization result does not include a predetermined negative account processing history (1520b), the server determines a predetermined check card payment approval result including a check card debit denied (or debit error) result. To generate a (1525b), as shown in Figure 17 performs a procedure for generating a check card payment approval full text to the payment terminal device 600.

If the full check card debit authorization result includes a predetermined negative account processing history (1520b), the server generates a predetermined check card payment approval result including the debit processing approval result and the negative account processing history. In operation 1525b, a check card payment approval message is generated as shown in FIG. 17 and transmitted to the payment terminal device 600.

16 is a diagram illustrating an operation process of a payment server 500 that provides a negative account service for approving a check card payment for a check card linked customer account according to an embodiment of the present invention.

More specifically, FIG. 16 shows the card company (or the card company (or financial company) as shown in FIG. 15A when the contract processing information for the check account payment approval minus account service for the check card linked customer account according to the present invention is confirmed. The process of providing a negative account service for approval of a check card payment for a check card linked customer account according to the present invention by calculating the negative account processing amount and interworking with the financial system 560 in the payment server 500 provided at a financial institution). As an example of the present invention, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 16 and check card according to the present invention during check card payment according to the intention to those skilled in the art. Various documents for payment server 500 that provides a negative account service for approving check card payment for linked customer accounts Would be a switch provided method can be inferred, the present invention includes all embodiments wherein the method is derived, but are not limited to the service provider or the method illustrated in the drawing, 16 is never. Hereinafter, the payment server 500 is referred to as "server" in FIG.

Referring to FIG. 16, when predetermined negative account processing agreement processing information is confirmed and extracted through the process shown in FIG. 15A, the server checks the linked customer according to the present invention based on the negative account processing agreement processing information. A predetermined negative account processing amount for providing a negative account service for approving a check card payment for an account is calculated (1600), and a communication channel connection state between the server and the financial system 560 is checked (1605).

If the check result is that the communication channel between the server and the financial system 560 is not connected (eg, if the financial system 560 cuts off the communication channel connection for check card daily settlement) (1610), the server checks quickly. After the communication channel between the server and the financial system 560 is connected to approve the card payment, the calculated negative account processing amount is reserved for the negative deposit processing to the customer account associated with the check card (1615), and the debit card is debited. After generating a predetermined check card payment approval result including a result of the processing approval, a procedure of generating a check card payment approval full text as shown in FIG.

Thereafter, the server periodically checks whether the financial system 560 and the communication channel are connected (1625), and if the communication channel connection between the server and the financial system 560 is confirmed (1630), the server In operation 1635, the reserved negative account processing amount is linked to the financial system 560 to the negative account to the customer account associated with the check card.

On the other hand, if the communication result is that the communication channel between the server and the financial system 560 is connected (1610), the server is linked to the financial system 560 and the customer associated with the check card calculated amount of the account processing A negative deposit request is made to the account (1640), and the financial system 560 interoperates with the negative account processing amount to confirm that the minus deposit process is completed to the customer account associated with the check card (1645).

If the process of minus depositing the negative account processing amount into the customer account associated with the check card is completed (1650), the server approves a predetermined check card payment authorization including the debit approval result and the minus account processing history. Generate a result (1655), and generates a check card payment approval full text as shown in Figure 17 and transmits to the payment terminal device 600.

FIG. 17 is a diagram illustrating a process of generating a check card payment approval message in the payment server 500 and transmitting the generated payment approval message to the payment terminal device 600 according to an embodiment of the present invention.

In more detail, Figure 17 shows the payment by generating a check card payment approval in the payment server 500 provided with a negative account service for the check card payment approval for the check card linked customer account according to the present invention of the check card payment As an embodiment of the method for transmitting to the payment terminal 600 through the network 550, those skilled in the art to which the present invention pertains, those skilled in the art can refer to and / or modify this drawing 17 In accordance with the intention, the payment server 500 generates the check card payment approval full text including the check account payment approval history for the check card payment approval for the check card linked customer account of the present invention during the check card payment processing Various implementation methods for transmitting to the terminal device 600 may be inferred, but the present invention may be inferred by the inference method. Shall not. Hereinafter, in FIG. 17, the payment server 500 provided in the card company (or financial company) is referred to as "server" for convenience.

Referring to FIG. 17, when a predetermined check card payment approval result is generated while the server processes a predetermined check card payment approval request, the generated check card payment approval result includes the negative account processing result according to the present invention. Check if it is (1700).

If the check card payment approval result does not include the negative account processing result according to the present invention (1705), the server generates a predetermined check card payment approval full text including the check card debit processing approval result (1710). ).

On the other hand, if the check card payment approval result does not include the negative account processing result according to the present invention (1705), the server checks the debit processing result of the debit card and the check card linked customer account according to the present invention as shown in FIG. In operation 1715, a predetermined check card payment approval text including a negative account processing history for the check card payment approval is generated.

Thereafter, the server transmits the generated check card payment approval message to the payment terminal device 600 through the payment network 550 (1720), and the payment terminal device 600 transmits the payment network 550. The check card payment approval message is received and read through to check whether the check card payment approval message includes a check card payment approval minus account processing history for the check card linked customer account according to the present invention (1725).

If the check card payment approval full text does not include the account processing details for the check card payment approval for the check card linked customer account according to the present invention (1730), the server is included in the check card payment approval full text The debit card approval result is output through a screen output device and / or a printing device provided in the payment terminal device (1735), and the check is performed on the memory unit 650 provided in the payment terminal device (600). The card payment approval full text (or the check card debit processing authorization result) is stored (1740).

On the other hand, if the check card payment approval message includes a negative account processing history for approval of the check card payment for the check card linked customer account according to the present invention (1730), the server checks the check included in the check card payment approval message. Through the screen output device and / or printing device provided in the payment terminal device 600 by classifying the result of the debit card approval and the check account payment approval for the check card linked customer account according to the present invention. Output (1745), the result of the check card debit processing approval result and the negative account processing details for the check card payment approval for the check card linked customer account according to the present invention to the memory unit 650 provided in the payment terminal device 600 Classify and store (1750).

According to the present invention, during the payment processing using a credit card, the check card payment approval request is processed as it is through the credit card according to the amount of the payment approval request amount based on the card use policy for each payment amount, or There is an advantage that the automatic payment processing in the form of debit by replacing (or converting) with a check card issued to the customer or a virtual check card associated with the credit card so as to enable debit processing in connection with the customer account.

Claims (12)

The predetermined information storage means associates the customer credit card information, the customer check card information, and the payment card selection condition information for selecting one of the credit card and the check card in response to the size of the payment authorization request amount. Storing information on a storage medium; An information reading step of reading payment approval request amount information and credit card information from the payment approval request message in a predetermined information reading means when receiving a payment approval request message using the credit card; An information checking step of confirming whether there is check card information linked to the read check card information in association with the storage medium (or storage medium operating means) in a predetermined information checking means; And As a result of the check, when the check card information linked to the read credit card information exists, the payment approval request amount read out from the full payment approval request in the predetermined payment approval processing means and the payment card selection condition information. After comparing the amount of money to select one of the credit card and the check card included, and using the information (card or credit card) that meets the payment card selection condition information corresponding to the comparison result Payment approval processing step of performing the payment approval processing; payment approval processing method comprising the. The method of claim 1, And an information receiving / input step of receiving and / or receiving the payment card selection condition information in association with a predetermined terminal in predetermined information receiving / input means. The method according to claim 1 or 2, wherein the check card information, Check card information actually issued to the customer and / or Payment authorization processing method comprising the virtual card information. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information stored in a predetermined storage medium by linking the credit card information, the customer check card information, and payment card selection condition information for selecting one of the credit card and the check card in response to the size of the payment authorization request amount. Storage means; Information reading means for reading payment approval request amount information and credit card information from the payment approval request message; Information checking means for confirming whether there is check card information associated with the read credit card information in association with the storage medium (or storage medium operating means); And As a result of the check, if there is check card information linked to the read credit card information, the card is read from the full payment approval request using information on a card (credit card or check card) that meets the payment card selection condition information. Payment approval processing means for processing payment approval for the received payment approval request amount; payment approval processing system comprising: a. The method of claim 5, And an information receiving / input means for receiving and / or receiving the payment card selection condition information in association with a predetermined terminal. The method of claim 5, wherein the payment approval processing means, After comparing the payment approval request amount read out from the payment approval request text and the amount of money to select one of the credit card and the check card included in the payment card selection condition information, the payment approval request text When the credit card information included in the payment card selection conditions are met, the credit card information included in the payment approval request text is processed for payment approval, and the credit card information included in the payment approval request text is processed in connection with And if the stored check card information satisfies the payment card selection condition, payment approval processing is performed using the check card information. The method according to any one of claims 5 to 7, wherein the check card information, Check card information actually issued to the customer and / or Payment approval processing system comprising a virtual card information. The method according to any one of claims 5 to 7, wherein each of the means, On a single server, or Payment approval processing system, characterized in that provided in a plurality of servers. An information storage unit for linking and processing the customer credit card information and the customer check card information in a predetermined storage medium; An information reading unit that reads payment approval request amount information and credit card information from the payment approval request message when receiving the payment approval request message using the credit card; An information checking unit which checks whether there is check card information linked to the read credit card information in association with the storage medium (or storage medium operating means); And As a result of the check, if there is check card information linked to the read credit card information, one of the credit card or the check card corresponding to the size of the payment approval request amount read out from the full payment approval request is read. And a payment approval processing unit for selecting and processing payment approval corresponding to the payment approval request. The method of claim 10, wherein the payment approval processing device, Consists of a single server, or Payment approval processing device 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 10.

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