KR20070072812A - Method and system of for processing admission of payment of united card corresponded to affiliate store information, devices for processing admission of payment and recording medium - Google Patents

Abstract

A system and a method for processing a payment approval of an integrated card corresponding to member shop information, and a payment approval processing device and a recording medium for the same are provided to process the payment approval of an integrated card by using the first or second card information according to payment card selection condition information of a member shop. An information storing part stores payment card selection condition information to a storage medium(135). An information reader(510) reads the member shop information and the card information from a payment approval request message when the message of using the integrated card is received. An information checker(515) checks whether the first and second card information linked with the read card information is found in the storage medium. A payment approval processor processes the payment approval by using the first or second card information based on the payment card selection condition information of the member shop if the linked first and second card information is found.

Description

Method and System for Processing Admission of Payment and United Card Corresponded to Affiliate Store Information, Devices for Processing Admission of Payment and Recording Medium}

1 is a diagram showing the configuration of an information registration system for payment processing by replacing (or converting) the card payment with a credit card / check card associated with the card according to merchant information in a card issuing process according to an embodiment of the present invention. to be.

2A, 2B, 2C, and 2D replace (or convert) the integrated card payment with a check card or credit card associated with the integrated card according to merchant information in the process of issuing an integrated card according to an embodiment of the present invention. Is a diagram illustrating an information registration process for payment processing.

3 is a configuration diagram of an information registration system for replacing (or converting) the integrated card payment with a check card / credit card associated with the integrated card according to merchant information after issuing an integrated card according to an embodiment of the present invention. One drawing.

Figures 4a and 4b and 4c and 4d replace (or switch) the integrated card payment with a check card / credit card associated with the integrated card according to merchant information after issuing an integrated card according to the method of the present invention. Is a diagram illustrating an information registration process for payment processing.

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

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

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

8A, 8B, 8C, and 8D illustrate 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 use policy for each affiliated store to a card payment request corresponding to a full payment approval request in a payment server according to an embodiment of the present invention.

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

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

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

14A and 14B illustrate an operation process of a payment server that receives a full check card debit processing approval result from a financial system according to an embodiment of the present invention.

15 is a diagram illustrating an operation 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.

FIG. 16 is a diagram illustrating a process of generating a check card payment approval message in a payment server and transmitting it to a payment terminal device according to an embodiment of the present invention.

17 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 a credit settlement associated with an integrated card.

18 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 as a cash service (or card loan) through a credit card associated with an integrated card.

<Description of main parts of drawing>

100: information registration server (or device) 135: storage medium

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

530: negative account processing unit 535: cash service processing unit

540: professional generation unit 545: professional transmission unit

550: customer approval processing unit 555: payment network

565: Financial system 600: Payment terminal device

The present invention corresponds to the customer first card information, the customer second card information, the integrated card information of the first card and the second card and payment approval request merchant terminal information (or merchant information) in a predetermined information storage means. The payment card selection condition information for selecting one of the first card and the second card is interlinked and stored in a predetermined storage medium, and upon receiving the full payment approval request using the integrated card, the predetermined information reading means Read the payment approval request merchant terminal information and the card information from the full payment approval request message, in connection with the storage medium (or storage medium operating means) in a predetermined information confirming means, the first processing information linked to the read card information Check whether card information and second card information exist, and as a result of the checking, the first card information and the second card information cooperatively processed with the read card information. Is present, based on payment approval request merchant terminal information (or merchant information confirmed through merchant terminal information) read out from the full payment approval request in a predetermined payment approval processing unit, and the payment card selection condition information. Approved integrated card payment corresponding to the payment merchant information, characterized in that it comprises a payment approval process for selecting one of the first card and the second card to perform a payment approval process corresponding to the payment approval request. To provide a processing method and system, a payment approval processing device 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.

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

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

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

However, in order to overcome the disadvantages of the credit card and check card as described above, and to maximize the advantages, it is necessary to issue a card that combines the advantages of the credit card and check card, but the domestic and international financial card standards and MS (Magnetic Stripe) card structure There is a difficult problem that cannot issue a card that combines the advantages of the credit card and the check card in one card.

The present invention is derived to solve the above problems, the customer first card information and the customer second card information in the predetermined information storage means, the integrated card information of the first card and the second card and payment approval request merchant The payment card selection condition information for selecting one of the first card and the second card in association with the terminal information (or affiliated store information) is stored in a predetermined storage medium, and stored in a predetermined storage medium. When receiving the approval request message, the predetermined information reading means reads the payment approval request merchant terminal information and card information from the payment approval request message, and in connection with the storage medium (or storage medium operating means) in a predetermined information checking means. Check whether the first card information and the second card information cooperatively processed with the read card information exist; and as a result of the checking, the read In the case where the first card information and the second card information linked to the card information exist, the payment approval request merchant terminal information (or confirmed through the merchant terminal information) read from the full payment approval request in a predetermined payment approval processing means. The payment authorization process of selecting one of the first card and the second card and performing a payment approval process corresponding to the payment approval request based on the merchant information) and the payment card selection condition information. An integrated card payment approval processing method and system that combines the advantages of a conventional check card and credit card based on information, and a payment approval processing device and recording medium therefor.

In the present invention, the integrated card payment approval processing method includes the customer first card information, the customer second card information, the integrated card information of the first card and the second card and payment approval request merchant terminal information (or merchant store) in a predetermined information storage means. An information storing step of linking and processing payment card selection condition information for selecting one of the first card and the second card in a predetermined storage medium according to the information; An information reading step of reading payment approval request affiliate store terminal information and card information from the payment approval request message in a predetermined information reading means when receiving the payment approval request message using the integrated card; An information checking step of confirming whether there is a first card information and a second card information linked to the read card information in association with the storage medium (or storage medium operating means) in a predetermined information checking means; And if the first card information and the second card information linked to the read card information exist, the payment approval request member terminal information read from the full payment approval request in a predetermined payment approval processing means. Or select one of the first card and the second card based on the merchant information confirmed through the merchant terminal information) and the payment card selection condition information, and perform payment approval processing corresponding to the payment approval request. It is characterized in that it comprises a; payment approval processing step.

According to an embodiment of the present invention, the integrated card payment approval processing method may be configured to perform an information receiving / input step of receiving and / or receiving the payment card selection condition information in connection with a predetermined terminal in a predetermined information receiving / input means. It is preferable that it further comprises.

According to the implementation method of the present invention, the integrated card payment approval processing method is provided that when the first card information is credit card information having a credit settlement function, the second card information includes a direct debit payment using a customer account. It is preferable that the card information or debit card information, and if the first card information is a check card information or debit card information capable of direct debit using a customer account, the second card information has a credit payment function It is preferably credit card information.

According to the exemplary embodiment of the present invention, the first card information and the second card information are preferably virtual card information generated corresponding to the integrated card.

According to the present invention, the recording medium provided in the system in which the integrated card payment approval processing method is realized is characterized by recording a program for executing the method.

In the present invention, the integrated card payment approval processing system corresponds to the customer first card information, the customer second card information, the integrated card information of the first card and the second card, and the payment approval request merchant terminal information (or merchant information). Information storage means for linking and processing payment card selection condition information for selecting one of the first card and the second card in a predetermined storage medium; Information reading means for reading payment approval request affiliate store terminal information and card information from the payment approval request message when receiving the payment approval request message using the integrated card; Information checking means for confirming whether first card information and second card information associated with the read card information exist in association with the storage medium (or storage medium operating means); And when the first card information and the second card information linked to the read card information exist, the payment of the first card information or the second card information so as to meet the payment card selection condition information. Payment approval processing means for processing payment approval corresponding to the payment approval request using card information corresponding to payment approval request affiliated store terminal information (or merchant information verified through the affiliated store terminal information) read out from the approval request; It is characterized by comprising.

According to an embodiment of the present invention, it is preferable that the integrated card payment approval processing system further includes information receiving / input means for receiving and / or receiving the payment card selection condition information in association with a predetermined terminal.

According to an embodiment of the present invention, the integrated card payment approval processing system is provided that the second card information may be directly debited using a customer account when the first card information is credit card information having a credit settlement function. It is preferable that the card information or debit card information, and if the first card information is a check card information or debit card information capable of direct debit using a customer account, the second card information has a credit payment function It is preferably credit card information.

According to the method of the present invention, each of the above means may be provided in a single server or may be provided in a plurality of servers, thereby the invention is not limited.

In the present invention, the integrated card payment approval processing device includes an information storage unit for processing the first customer card information, the second customer card information and the integrated card information of the first card and the second card in a predetermined storage medium; An information reading unit for reading payment approval request affiliate store terminal information and card information from the payment approval request message when receiving the payment approval request message using the integrated card; An information checking unit which checks whether the first card information and the second card information linked to the read card information exist in association with the storage medium (or storage medium operating means); And if the first card information and the second card information linked to the read card information exist, the payment approval request merchant terminal information read from the full payment approval request message (or through the merchant terminal information). And a payment approval processing unit for selecting one of the first card and the second card to process payment approval corresponding to the payment approval request.

According to the embodiment of the present invention, the integrated card payment approval processing device may be made of a single server or a plurality of servers, and the present invention is not limited thereto.

According to the present invention, the recording medium provided in the integrated card payment approval processing device is characterized by recording a program for executing a function of the device configuration unit.

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 transformed into a functional component provided in a predetermined server (or device), and the payment approval processing device is called a payment server for convenience, and the payment card selection condition information is also a merchant. It is called star card policy information.

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

1 is a diagram showing the configuration of an information registration system for payment processing by replacing (or converting) the card payment with a credit card / check card associated with the card according to merchant information in a card issuing process according to an embodiment of the present invention. to be.

In more detail, Figure 1 is a card (or financial company) to a predetermined customer issued by a card (hereinafter referred to as "integrated card") that can be settled by a credit card or a check card according to the merchant information. Corresponding card information issued to the customer, check card information corresponding to a check card and / or a predetermined virtual check card previously issued to the customer, and a credit card and / or a predetermined virtual credit card previously issued to the customer The credit card information and the payment using the integrated card are replaced (or converted) with a check card and / or a predetermined virtual check card pre-issued to the customer according to the respective merchant information, or the payment is processed to the customer. Linkage processing of card usage policy information for each merchant to replace (or convert) a pre-issued credit card and / or a predetermined virtual credit card to process payment As an embodiment of the information registration system configuration to be stored, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to violate the core technical matters of the present invention. When the integrated card is issued from a predetermined card company (or financial company) to a predetermined customer, a check card and / or a predetermined virtual card previously issued to the customer according to the respective merchant information is settled using the issued integrated card. Various implementation methods for the information registration system for replacing (or converting) with a check card to process payment, or for replacing (or converting) with a pre-issued credit card and / or a predetermined virtual credit card to process payment. It may be easily inferred, but the present invention refers to the system configuration shown in FIG. Bayida put out clearly that the invention is not limited by each embodiment SHALL method of carrying out the transformation unit.

Referring to FIG. 1, a customer who wants to issue an integrated card visits a predetermined credit card company (or financial company) window, or uses a predetermined integrated 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 application information for issuing an integrated card for issuing an integrated card), and submitting the completed application to the counter staff, the counter staff will be The integrated card issuing application information entered in the application is input through the manager terminal of the terminal, and the integrated card issuing application information is input from the manager terminal by a predetermined information registration interface means 160 (eg, the manager terminal and the predetermined information). Predetermined via a communication network (or network) that connects the information registration server (or device) 100 to communication Information is transmitted to the 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 160 in an offline manner. (E.g., key input means provided in the information input device for issuing an unmanned card) may input predetermined card issuance information including the application information for issuing the integrated card for issuing the integrated card. It is not limited.

In addition, the customer who wants to issue the integrated card operates a client terminal connected to the network to communicate with a predetermined information registration interface means 160 (eg, the client terminal and the information registration server (or device) 100). Or network)) and access the information registration server (or device) 100 and obtain predetermined integrated 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 160 is shown. Depending on the corresponding communication network (or network) characteristics and whether the information registration server (or device) 100 supports the wireless function, the client terminal may be a Personal Communication System (PCS) and / or a Global System for Mobile (GSM). communications) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or smart phones and // Telematics and / or DataTAC / Mobitex type wireless data communication terminal and / or IEEE 802.16 based portable internet terminal It can comprise at least one, and to 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 card issuance and information registration, and each merchant stores payment using the issued integrated card. Substitute (or convert) the check card and / or the predetermined virtual check card pre-issued to the customer according to the information to process the payment, or replace (or convert) the pre-issued credit card and / or the predetermined virtual credit card The predetermined registration card issuance application information, and / or check card registration information and / or virtual check card issuance application information previously issued to the customer through the information registration interface means 160, and / or Or the information receiving unit 105 and the information registration interface means 160 for receiving the credit card registration information and / or the virtual credit card issuing application information previously issued to the customer. Whether the check card registration information and / or the virtual check card issuance application information, and / or the pre-issued credit card registration information and / or the virtual credit card issuing application information, have been received by the information receiver 105. Generate the integrated card information corresponding to the information confirming unit 110 and the integrated card issuing application information to confirm, and confirms the virtual check card issuing application to the information receiving unit 105 as a result of the confirmation of the information confirming unit 110 When the information is received, generate predetermined virtual check card information corresponding to the virtual check card issuing application information, and / or a predetermined virtual credit to the information receiving unit 105 as a result of the confirmation of the information checking unit 110. An information generation unit 115 for generating predetermined virtual credit card information corresponding to the virtual credit card issuing application information when the card issuing application information is received; When the check result of the checker 110 has received the check card registration information pre-issued to the customer by the information receiving unit 105, check the check card pre-issued to the customer, and / or pre-issued to the customer. When the credit card registration information is received, the card confirmation unit 120 confirms the credit card previously issued to the customer and the integrated card information generated by the information generation unit 115. The virtual check card information and / or the virtual credit card information when the virtual check card information and / or the virtual credit card information are generated through the information generating unit 115, and then link the integrated card information with the virtual check card information and / or virtual credit card information. Process and store in the storage medium 135, or when the check card and / or pre-issued credit card pre-issued to the customer is confirmed through the card identification unit 120, the integrated card information and the pre-issue And an information storage unit 125 for linking and storing check card information and / or pre-issued credit card information, and to the information receiving unit 105 through the information registration interface unit 160. The payment using the integrated card is replaced (or converted) with a check card and / or a virtual check card or a pre-issued credit card and / or a virtual credit card issued to the customer according to each merchant information. Check card and / or virtual card previously issued to the customer according to the respective merchant information, or the card usage policy information for each merchant is received, and / or the predetermined policy information D / B 150 makes payment using the integrated card. Merchant-specific card usage policy information that requires payment by replacing (or converting) a check card or pre-issued credit card and / or virtual credit card When extracted, the information storage unit 125 stores the integrated card information, pre-issued check card information and / or virtual check card information, and / or pre-issued credit card information and / or virtual credit card information. It is characterized by storing in association with the processing of the card use policy information.

Referring to FIG. 1 according to an embodiment of the present invention, the integrated card information, the pre-issued check card information and / or the virtual check card information, and / or the pre-issued credit card information and / or the virtual credit card information Although the storage medium 135, which is processed and stored in association with the card use policy for each affiliate store, is shown to be provided in a predetermined DBMS (DateBase Management System) 130 and / or DB server 130, the storage medium 135 May be provided in the information registration server (or apparatus) 100, and the present invention is not limited thereto. In addition, the DBMS 130 and / or the DB server 130 is a check card D / B 140 for storing and linking the check card information and customer information pre-issued to the customer, and pre-issued to the customer The credit card D / B 145 for storing and processing the credit card information and the customer information, and the pre-issued check card and / or virtual check card according to each merchant information for payment using the integrated card, or Manage policy information D / B 150 that stores at least one card usage policy including card usage policy information for each merchant to be replaced (or converted) with a pre-issued credit card and / or a virtual credit card for payment processing. It is desirable to.

The information receiving unit 105 may receive integrated card issuing application information from the integrated card issuing application customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 160, in this case The information checking unit 110, through the information registration interface means 160, the pre-issued check card registration information and / or virtual check card issuance application information, and / or pre-issued credit card registration information and / or virtual credit Confirm that the card issuing application information has not been received. Subsequently, the information registration server (or device) 100 is pre-issued in association with the integrated card according to the respective merchant information for payment using the integrated card from the integrated card issuing customer through the system configuration as shown in FIG. 3. Check card information and / or virtual check card information pre-issued to the customer for payment processing by replacing (or converting) a check card and / or a virtual check card or a pre-issued credit card and / or a virtual credit card; and And / or receive pre-issued credit card information and / or virtual credit card information, and / or make payments using the integrated card from the integrated card issuing customer according to respective merchant information, Merchant-specific cars that can be replaced (or converted) with a virtual check card or pre-issued credit card and / or virtual credit card Receives the use policy information, or the payment using the integrated card from the policy information D / B 150 managed by a predetermined DBMS 130 and / or DB server 130 to the customer according to each merchant information The card usage policy information for each merchant may be extracted to replace (or convert) a pre-issued check card and / or a virtual check card or a pre-issued credit card and / or a virtual credit card to process a payment.

In addition, the information receiving unit 105 uses the integrated card issuing application information and the integrated card from the integrated card issuing application customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 160 In order to process the payment by replacing (or converting) the payment with a preissued check card and / or a virtual check card or a preissued credit card and / or a virtual credit card associated with the integrated card according to respective merchant information. The customer may receive pre-issued check card registration information and / or virtual check card issue application information, and / or pre-issued credit card registration information and / or virtual credit card issue application information. 110, the check card registration information and / or virtual check card issued to the customer in advance through the information registration interface means 160 Confirm that the application information and / or the pre-issued credit card registration information and / or the virtual credit card issuance application information have been received. Subsequently, the information registration server (or device) 100 is pre-issued to the customer according to each affiliated store payment for the integrated card from the integrated card issuing customer through the system configuration as shown in FIG. Receive card usage policy information for each merchant to replace (or convert) a check card and / or a virtual check card, or a pre-issued credit card and / or a virtual credit card to process a payment, or a predetermined DBMS 130 and Check card and / or virtual check card, or pre-issued to the customer according to the respective merchant information for payment using the integrated card from the policy information D / B 150 managed by the DB server 130 The card usage policy information for each merchant may be extracted to replace (or convert) the credit card and / or the virtual credit card to process the payment.

In addition, the information receiving unit 105 uses the integrated card issuing application information and the integrated card from the integrated card issuing application customer through a predetermined administrator terminal and / or a client terminal through a predetermined information registration interface means 160 In order to process the payment by replacing (or converting) the payment with a preissued check card and / or a virtual check card or a preissued credit card and / or a virtual credit card associated with the integrated card according to respective merchant information. Check card registration information and / or virtual check card issuance application information pre-issued to the customer, and / or credit card registration information and / or virtual credit card issuance application information pre-issued to the customer, and each merchant stores payment using the integrated card. A check card and / or a virtual check card pre-issued to the customer or a pre-issued credit card and / or a virtual credit car according to the information Card usage policy information for each merchant to be replaced (or converted) by a drawer, and in this case, the information checking unit 110 checks previously issued to the customer through the information registration interface unit 160. The card registration information and / or the virtual check card issuance application information, and / or the pre-issued credit card registration information and / or the virtual credit card issuing application information, and the card usage policy information for each affiliated store are received.

The pre-issued check card registration information is a check card issued to the customer by the card company (or financial company) before issuing the integrated card to the customer (or a card company (or financial company) that issues the integrated 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 integrated card issued by Check card payment means information), and when the integrated card issuance request 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 card check unit 120, the card check unit 120, The check card information previously issued to the customer is confirmed based on the card card registration information.

The virtual check card issuing application information is a check card issued to the customer by the card company (or financial company) before issuing the integrated card to the customer (or card company (or financial company) issuing the integrated card according to the implementation method). If there is no check card issued by at least one other card company (or financial company) affiliated with the issuing integrated card to issue the integrated card, the payment using the integrated card is performed according to the respective merchant information. And the information for issuing to the customer a virtual check card necessary for the payment processing by replacing (or converting) the linked check card, and applying for the virtual check card issuance to the integrated card issuing application information. When the information is received with the information, 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 integrated card on the system according to the present invention. Means a check card defined to process a check card payment in association with a predetermined customer account according to each merchant information, 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 checking unit 110 and the integrated card according to the respective merchant information to the payment using the integrated card to the integrated card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105 Check card registration information and / or preissued to the customer for payment processing by replacing (or converting) with an associated preissued check card and / or virtual check card, or preissued credit card and / or virtual credit card. The virtual check card issuance application information, and / or pre-issued credit card registration information and / or virtual credit card issuing application information is characterized in that it is included.

The pre-issued credit card registration information is a credit card issued to the customer by the card company (or financial company) before issuing the integrated card to the customer (or a card company (or financial company) that issues the integrated card according to the implementation method). Card information (and / or credit card) including credit card number, expiration date, customer name, etc. corresponding to at least one other card company (or financial company) affiliated with the integrated card issued by Credit card payment means information), and when the integrated card issuance request information is received with the credit card registration information pre-issued to the customer, the information checking unit 110 to the customer By providing the pre-issued credit card registration information to the card verification unit 120, the card verification unit 120 On the basis of the credit card registration information to the customer to check the pre-issued credit card information.

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

The information generating unit 115 generates integrated card information corresponding to the integrated card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105, the integrated card information The card information (eg, card number, expiration date, issuer name, etc. included in the card) corresponding to the integrated card issued to the customer by the card company (or financial company), if the integrated card is an MS (Magnetic Stripe) card Information stored in the Track II area), customer information (eg, customer name, social security number, address, contact information, etc.) of the integrated card issuing member, and the integrated card operation information (eg, point accumulation and payment policy, additional service information). And the like).

According to the exemplary embodiment of the present invention, the card information among the integrated card information generated by the information generating unit 115 is provided to a predetermined card issuing server (or device) 155, and the card issuing server (or device) is provided. 155 is preferably (or generated) a predetermined integrated card based on the card information to provide (or deliver) to the customer.

In addition, the information generating unit 115 confirms that the integrated card issuing application information received by the information confirming unit 110 to the information receiving unit 105 includes predetermined virtual check card issuing application information. 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.

In addition, the information generating unit 115 confirms that the integrated card issuing application information received by the information confirming unit 110 to the information receiving unit 105 includes a predetermined virtual credit card issuing application information. If so, characterized in that for generating the virtual credit card information corresponding to the virtual credit card issuing request information, the virtual credit card information is credit card corresponding card information issued to the customer by the card company (or financial company) (For example, information included in the card such as a credit card number, expiration date and issuer name), customer information (for example, customer name, social security number, address, contact information, etc.) of the credit card issuing member, and the credit card operation information ( For example, the credit card credit limit, cash service limit amount, total limit amount, points accumulation and payment policy, additional service information, etc.) Or it comprises more.

The card checker 120 confirms that the integrated card issuance request information received by the information checker 110 to the information receiver 105 includes check card registration information previously issued to the customer. Is issued by the card company (or financial company) that issues the integrated card to the customer based on the customer information included in the integrated card issuing application information (or the card company (or financial company) that issues the integrated card according to the implementation method). At least one other card company (or financial company) affiliated with the integrated card to store the check card information issued to the customer in association with the integrated card. It is characterized in that the check card exists, and if there is a check card issued to the customer, to the check card D / B (140) Emitter characterized by extracting the group issued a debit card information to the customer.

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. Preferably, the personal information including the check card is formed, and the check card operation information (not shown) is available within the balance of the balance for the check card, points earned and paid policy, additional service information and the check card. It is preferable to include the payment details.

In addition, the card check unit 120 is received by the information check unit 110 received the credit card registration information previously issued to the customer in the integrated card issuing application information received by the information receiving unit 105 received. If it is determined that the card company (or financial company) that issues the integrated card to the customer based on the customer information included in the application information for issuing the integrated card (or the card company (or financial company) that issues the integrated card according to the implementation method) At least one other card company (or financial company) affiliated with the integrated card issued by the company to the customer by interworking with the credit card D / B 145 storing credit card information issued to the customer. It is characterized in that whether the issued credit card exists, and if there is a credit card previously issued to the customer, the credit card D / B ( And 145) extracting credit card information previously issued to the customer.

According to an embodiment of the present invention, the credit card D / B 145 may store at least one credit card information previously issued to the customer, the credit card customer information and / or the credit card operation information (not shown). Characterized in that it is linked to the processing, the credit card information is preferably made to include the card information (for example, credit card number, expiration date, customer name, etc.) stored in the credit card previously issued to the customer, The credit card customer information preferably includes personal information including the name, social security number, address, and contact information of the credit card issuing customer, and the credit card operation information (not shown) is the credit limit for the credit card. And / or limit amount information including the cash service limit amount and / or the total limit amount, the credit card payment details, and the like. It is preferable to make it together.

When predetermined integrated card information corresponding to the integrated card issuing application information is generated by the information generating unit 115 (for example, credit card registration information and / or previously issued to the customer by the information receiving unit 105). When the predetermined virtual credit card issuing application information is not received and the check card registration information and / or the predetermined virtual check card issuing application information previously issued to the customer is not received), the information storage unit 125 The generated integrated card information is stored in a storage medium 135 managed by a predetermined DBMS 130 and / or DB server 130, and then through the system configuration as shown in Figure 3 the storage medium Credit card information and / or predetermined virtual credit card information pre-issued to the customer in the integrated card information stored in 135, and / or payment using the integrated card for each affiliated store. Beam according to a specific merchant card using policy information may be stored and processed for association to process payment to replace (or switch) to the customer line issuing the credit card, and / or some of the virtual credit card.

In addition, the information generating unit 115 replaces the integrated card information corresponding to the integrated card issuance application information and the payment using the integrated card with a check card associated with the integrated card according to the respective merchant information. When predetermined virtual check card information is generated for the payment processing (for example, when the integrated 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 stores and stores the generated integrated card information and the virtual check card information in the storage medium 135 by linking and processing the storage medium (see FIG. 3). Check issued in advance to the customer according to the respective merchant information for the payment using the integrated card in the integrated card information and the virtual check card information stored in 135). The de and / or merchant card by using 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, the integrated card information corresponding to the integrated card issuing application information is generated by the information generating unit 115, the check card information previously issued to the customer by the card check unit 120 is confirmed and extracted When the integrated 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 is connected to the generated integrated card information. The pre-issued check card information is linked and stored in the storage medium 135. Subsequently, the integrated card information and the virtual check card stored in the storage medium 135 through the system configuration as shown in FIG. The payment using the integrated card in the information is replaced (or converted) with a check card and / or a predetermined virtual check card pre-issued to the customer according to each merchant information. The affiliated card usage policy information for processing may be further linked and stored.

In addition, the information generating unit 115 replaces the integrated card information corresponding to the integrated card issuing application information and the payment using the integrated card with a credit card associated with the integrated card according to each merchant information (or When predetermined virtual credit card information is generated for the payment processing (for example, when the integrated card issuing application information and the predetermined virtual credit card issuing application information are received by the information receiving unit 105), The information storage unit 125 stores and stores the generated integrated card information and the virtual credit card information in the storage medium 135 by linking and processing the storage medium (see FIG. 3). Credit pre-issued to the customer according to respective merchant information for payment using the integrated card in the integrated card information and virtual credit card information stored in 135). The de and / or merchant card by using the policy information is replaced by predetermined virtual credit card (or switch) and to process than a payment can be processed is further associated storage.

In addition, the integrated card information corresponding to the integrated card issuance application information is generated by the information generating unit 115, the credit card information previously issued to the customer by the card verification unit 120 is confirmed and extracted When the integrated card issuing application information and the credit card registration information previously issued to the customer are received by the information receiving unit 105, the information storage unit 125 is connected to the generated integrated card information. And process the pre-issued credit card information in association with the storage medium 135 and then store the integrated card information and the virtual credit card stored in the storage medium 135 through the system configuration as shown in FIG. The payment using the integrated card in the information is replaced (or converted) with a credit card and / or a predetermined virtual credit card previously issued to the customer according to each merchant information. The affiliated card usage policy information for processing may be further linked and stored.

According to an embodiment of the present invention, the card usage policy information for each affiliated store may be replaced with a check card associated with the integrated card (or the payment process using the integrated card) according to the affiliated store provided with the payment terminal device 600. It is preferable that the policy information is included, or the payment process using the integrated card is replaced (or converted) with a credit card associated with the integrated card. For example, the card use policy information for each affiliate stores the integrated card payment request requested at the merchant including a store that sells necessities / baby supplies / dog supplies, etc., by being replaced (or converted) with a check card associated with the integrated card. The merchants other than the merchants defined to process payment through the check card may include policy information for replacing (or converting) the integrated card payment request with a credit card associated with the integrated card to process the payment. .

Referring to FIG. 1, when predetermined card information corresponding to the integrated 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) 155, the card issuing server (or device) 155, based on the card information, predetermined media storage information (e.g., if the issued integrated 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 to deliver (or provide) the integrated card recorded by the customer.

2A, 2B, 2C, and 2D replace (or convert) the integrated card payment with a check card or credit card associated with the integrated card according to merchant information in the process of issuing an integrated card according to an embodiment of the present invention. Is a diagram illustrating an information registration process for payment processing.

More specifically, Figures 2a, 2b, 2c, and 2d, as shown in Figure 1, when an integrated card is issued from a given card company (or financial company) to a given customer, a predetermined merchant company from a given card company (or financial company) When issuing an integrated card that can process payment by credit card or check card according to the information, the integrated card information issued to the customer and the check card information corresponding to the check card and / or the predetermined virtual check card previously issued to the customer. Credit card information corresponding to the credit card and / or a predetermined virtual credit card pre-issued to the customer, and a check card and / or pre-issued to the customer according to respective merchant information for payment using the integrated card. Replace (or convert) with a predetermined virtual check card to process the payment, or with a pre-issued credit card and / or a predetermined virtual credit card As an embodiment of an information registration process for linking and storing card use policy information for each affiliated store to convert (or convert) the payment process, specifically, FIG. 2A shows the integrated card information issued to the customer and the customer. The method for performing registration by registering the check card information previously issued to the card use policy information for each affiliated store, and Figure 2b is a predetermined link associated with the integrated card information and the integrated card issued to the customer And a method for implementing a combination of virtual check card information and card usage policy information for each affiliate, and FIG. 2C shows the integrated card information issued to the customer, credit card information pre-issued to the customer, The embodiment of the present invention relates to a method of registering and registering the card use policy information for each affiliated store. And the integrated card issued to the customer, but for the exemplary method for registering and processing a predetermined association of the virtual credit card information and the merchant card by using the policy information associated with the check card.

Those of ordinary skill in the art to which the present invention pertains, refer to the Figures 2a, 2b, 2c and 2d, a predetermined customer at a given card company within the scope of not violating the core technical matters of the present invention. When issuing an integrated card, the integrated card payment is replaced (or converted) with a check card associated with the integrated card according to the merchant information, or the payment is processed, or replaced (or converted) with a credit card associated with the integrated card. Various implementation methods for payment processing may be easily inferred, and the information registration method illustrated in FIGS. 2A, 2B, 2C, and 2D and / or a part of the information registration method may be modified. It is clear that the present invention is not limited by each method of implementation. For example, in the process of issuing a predetermined integrated card to the customer through the system configuration as shown in FIG. 1, a check card that is previously issued to the customer through the integrated card through the process of FIGS. 2A, 2C, or 2D. And the integrated card may be linked with a credit card or a virtual credit card pre-issued to the customer, or through the process of FIGS. 2b, 2c or 2d, a predetermined virtual check of the integrated card. It may be associated with a card, and also the integrated card with a credit card or virtual credit card previously issued to the customer. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 2A, a customer applying for issuing a predetermined integrated card requests for issuing a predetermined integrated card through a predetermined information registration interface means 160 and / or makes payment using the integrated card according to each merchant information. Substitute (or convert) the integrated card with a check card / credit card for payment processing by substituting (or converting) the customer with a previously issued check card (200a), for this purpose, The customer may perform the integrated card issuing application information, the check card registration information previously issued to the customer, and / or the payment using the integrated card to the server through the information registration interface means 160 according to the respective merchant information. Card usage policy information for each merchant is transmitted to the customer to replace (or convert) the check card with a pre-issued payment (205a). ).

According to the implementation method of the present invention, the integrated card issuing application customers only apply for the integrated card issuance through a predetermined information registration interface means 160, or using the integrated card issuance application and the integrated card as shown in Figure 2a A service that processes payment by replacing (or converting) the integrated card with a check card / credit card for each merchant to perform payment by replacing (or converting) with a check card pre-issued to the customer according to each merchant information. It is possible to apply at the same time, by which the present invention is not limited.

As described above, the server receiving the integrated card issuing application information and / or the check card registration information and / or the card usage policy information for each affiliate store pre-issued to the customer through the information registration interface means 160, On the basis of the integrated card issuing application information, it is determined whether the integrated card is issued to the customer (210a). In this case, the integrated card issuing decision is based on the card issuing decision process defined in the card company (or financial company), and if the predetermined check card is not issued to the customer, the customer may be issued a predetermined virtual check card. Checking whether the condition is satisfied, and / or checking whether the customer satisfies a condition for obtaining a predetermined virtual credit card when the customer does not have a predetermined credit card pre-issued. have.

According to one embodiment of the present invention, in order to issue a predetermined virtual check card to the customer, the customer must have a predetermined customer account opened in a predetermined financial system 565 and must be at least 14 years old. Preferably, the server may issue a virtual check card to be associated with the integrated card to the integrated card issuing customer based on the customer information included in the integrated card issuing application information.

According to an exemplary embodiment of the present invention, credit is required for the customer in order to issue a predetermined virtual credit card to the customer. For this purpose, the card company (or financial company) includes the customer included in the integrated card issuing application information. Perform a customer credit evaluation procedure defined at the card company (or financial institution) based on the information, and / or in connection with a predetermined credit rating agency (not shown) based on the customer information, By performing, it is desirable to be able to issue a virtual credit card to be associated with the integrated card to the integrated card issuing customer.

If the integrated card issuing application is not issued to the integrated card (215a), the server generates a predetermined integrated card issuing error information and transmits to the customer through the information registration interface means 160 (220a) The end of the integrated card issuing process according to the present invention.

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

During the card issuing procedure as described above, and / or after the card issuing procedure, the server performs the payment using the integrated card from the customer through the information registration interface unit 160, respectively. Substitute (or convert) the integrated card into a check card / credit card for the merchant to apply for a service for payment processing by replacing (or converting) the check card with a previously issued check card according to the merchant information of the customer. Check whether the pre-issued check card registration information is received (230a).

If the customer has not received the check card registration information previously issued to the customer in order to apply for a payment processing service by replacing (or converting) the integrated card with a check card / credit card for each merchant from the customer (235a), the server Stores predetermined integrated card information generated in the process of performing the card issuing procedure on the storage medium 135 (240a), and ends the process of issuing the integrated card to the customer.

According to another embodiment of the present invention, the check card registration information previously issued to the customer to apply for a service for payment processing by replacing (or converting) the integrated card with a check card / credit card for each merchant from the customer If not received, the server requests the customer to issue a virtual check card through the information registration interface means 160, and if the customer agrees with the request, the server selects a predetermined number from the customer through the information registration interface means 160. By receiving the virtual check card issuing application information of the, it is possible to perform a procedure for issuing a virtual check card associated with the integrated card to the customer (see Fig. 2b), whereby the present invention is not limited.

On the other hand, if the customer receives the check card registration information previously issued to the customer in order to apply for a payment processing service by replacing (or converting) the integrated card with a check card / credit card for each merchant (235a), the server On the basis of the customer information included in the integrated card issuing application information (or the customer information included in the check card registration information pre-issued to the customer), it is checked whether a pre-issued check card exists for the integrated card issuing customer (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 predetermined integrated card information generated in the process of performing the card issuing procedure on the storage medium 135 (240a). ), Ending the process of issuing the integrated card to the customer.

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 unit 160, and the customer If the user agrees to this, the user can receive a virtual check card issuance request information from the customer through the information registration interface unit 160, and perform a procedure of issuing a virtual check card to be associated with the integrated card to the customer. (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 for cooperative processing with the integrated card (255a), and the integrated card information. The check card information pre-issued to the customer and the card usage policy information for each affiliate store are linked and stored (260a).

According to an exemplary embodiment of the present invention, the card usage policy information for each affiliate store may be received from the customer through the information registration interface unit 160, as shown in FIG. It is preferable to store card information and check card information previously issued to the customer in association with the received card use policy information for each affiliated store.

According to another exemplary embodiment of the present invention, the affiliated card usage policy information is not received from the customer through the information registration interface unit 160 as shown in FIG. 2A, and the DBMS 130 and / or Or it may be extracted from the predetermined policy information D / B (150) managed by the DB server 130, in this case the server by the extracted affiliated stores the integrated card information and check card information pre-issued to the customer It is desirable to store and process card use policy information in association.

According to another exemplary embodiment of the present invention, the affiliated card usage policy information is not received from the customer through the information registration interface unit 160, as shown in FIG. 2A, and the DBMS 130 and And / or extracted from the predetermined policy information D / B 150 managed by the DB server 130, the customer may change (or modify) the extracted card use policy information for each affiliated store. The server preferably stores the integrated card information and check card information pre-issued to the customer by linking and processing the card usage policy information for each affiliated store that is extracted and / or changed (or modified).

Referring to FIG. 2B, a predetermined integrated card issuing customer requests a predetermined integrated card issuance through a predetermined information registration interface means 160, and / or makes payment using the integrated card according to each merchant information. Substituting (or converting) a predetermined virtual check card associated with the integrated card to apply for a payment processing by replacing (or converting) the integrated card with a check card / credit card for each merchant (200b) To this end, the customer may make a payment using the integrated card issuing application information and predetermined virtual check card issuing application information to be associated with the integrated card and / or the integrated card to the server through the information registration interface means 160. Affiliation to replace (or switch) a predetermined virtual check card associated with the integrated card according to each merchant information for payment processing Point-by-point card usage policy information is transmitted (205b).

According to the implementation method of the present invention, the integrated card issuing application customers only apply for the integrated card issuance through a predetermined information registration interface means 160, or using the integrated card issuing application and the integrated card as shown in Figure 2b Substituting (or converting) the integrated card with a check card / credit card for each merchant to perform a payment processing by replacing (or converting) a predetermined virtual check card associated with the integrated card according to each merchant information, and processing the payment. The service can be applied at the same time, thereby the present invention is not limited.

Receiving the integrated card issuing application information and / or the predetermined virtual check card issuing application information to be associated with the integrated card and / or the card usage policy information for each affiliated store from the customer through the information registration interface means 160 as described above The server determines whether to issue an integrated card to the customer based on the integrated card issuing application information (210b).

If the integrated card issuing application customer is not issued the integrated card (215b), the server generates a predetermined integrated card issuing error information and transmits to the customer through the information registration interface means 160 (220b) The end of the integrated card issuing process according to the present invention.

On the other hand, if the integrated card can be issued to the integrated card issuing customer (215b), the server corresponding to the integrated card issuing application information to the customer according to the card issuing procedure provided to the card company (or financial company) Perform the issuance procedure (225b).

During the card issuing procedure as described above, and / or after the card issuing procedure, the server makes payment of the respective merchant information using the integrated card from the customer through the information registration interface unit 160. Substituting (or converting) a predetermined virtual check card associated with the integrated card according to the merchant to apply for a service for payment processing by replacing (or converting) the integrated card with a check card / credit card for each merchant Check whether the predetermined virtual check card issuing application information is received (230b).

If the application does not receive the predetermined virtual check card issuing application information to be associated with the integrated card in order to apply for a payment processing service by replacing (or converting) the integrated card with a check card / credit card for each merchant (235b) ), The server stores the predetermined integrated card information generated in the process of performing the card issuing procedure in the storage medium 135 (240b), and terminates the process of issuing the integrated card to the customer.

According to another exemplary embodiment of the present invention, a predetermined virtual check card to be associated with the integrated card in order to apply for a service for processing payment by replacing (or converting) the integrated card with a check card / credit card for each merchant from the customer If the issuing application information is not received, the server pre-issues the customer from the check card D / B 140 using the customer information included in the integrated card issuing application information (or virtual check card issuing application information). Check whether the pre-issued check card exists, and if the pre-issued check card exists, extract the pre-issued check card information and provide it to the customer through the information registration interface means 160 and the integrated card. Request to select an associated check card, and when the customer selects the check card, the information registration interface means ( Receiving the check card information from the customer through the 160 may perform a process to process the association with the new integrated card (see Fig. 2a), whereby the present invention is not limited.

On the other hand, if a predetermined virtual check card issuing application information to be associated with the integrated card has been received from the customer to apply for a service for replacing (or converting) the integrated card with a check card / credit card for each merchant from the customer (235b) The server performs the check card issuing procedure to the customer according to the check card issuing procedure provided to the card company (or financial company) based on the virtual check card issuing application information (245b).

If the check card issuing procedure is performed as a result of the issuing of the predetermined virtual check card to be linked to the integrated card to the customer (250b), the server performs the integrated card issuing procedure on the storage medium 135. The generated predetermined integrated card information is stored (240b), and the process of issuing the integrated card to the customer ends.

According to another exemplary embodiment of the present invention, when a predetermined virtual check card to be associated with the integrated card is not issued to the customer, the server is included in the integrated 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 integrated card through the information registration interface means 160, and when the customer selects the check card, the information registration interface means 160 Receiving the check card information from the customer through the process can be performed in association with the integrated card (see Figure 2a) Thereby, this invention is not limited.

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 integrated card (250b), the server generates predetermined virtual check card information to be associated with the integrated card (or check card). Extraction from the result of the issuing procedure) (255b), and the integrated card information, the virtual check card information, and the card usage policy information for each affiliate store are linked and stored (260b).

According to an exemplary embodiment of the present invention, the card usage policy information for each affiliate store may be received from the customer through the information registration interface unit 160 as shown in FIG. 2B, in which case the server may be integrated. Preferably, the card information and the virtual check card information are stored by linking the received card use policy information for each affiliated store.

According to another exemplary embodiment of the present invention, the card usage policy information for each affiliate store is not received from the customer through the information registration interface unit 160 as shown in FIG. 2B, and the DBMS 130 and / or Or it may be extracted from the predetermined policy information D / B 150 managed by the DB server 130, in this case, the server uses the extracted card information policy information for each merchant affiliated with the integrated card information and the virtual check card information It is preferable to store by linking.

According to another exemplary embodiment of the present invention, the card usage policy information for each affiliate store is not received from the customer through the information registration interface unit 160, as shown in FIG. 2B, and the DBMS 130 and And / or extracted from the predetermined policy information D / B 150 managed by the DB server 130, the customer may change (or modify) the extracted card use policy information for each affiliated store. The server preferably stores the integrated card information and the virtual check card information in association with the extracted and / or modified (or modified) card usage policy information for each affiliated store.

Referring to FIG. 2C, a predetermined integrated card issuing customer requests a predetermined integrated card issuance through a predetermined information registration interface means 160, and / or makes payment using the integrated card according to each merchant information. Substitute (or convert) the integrated card with a check card / credit card for the merchant to perform the payment processing by replacing (or converting) the credit card with a preissued credit card (200c). The customer may perform the integrated card issuance application information, the credit card registration information previously issued to the customer, and / or the payment using the integrated card to the server through the information registration interface means 160 according to the respective merchant information. Card usage policy information for each merchant is transmitted to the customer for replacement (or conversion) with a pre-issued credit card (205c). .

According to the implementation method of the present invention, the integrated card issuing application customers only apply for issuing the integrated card through a predetermined information registration interface means 160, or using the integrated card issuing application and the integrated card as shown in FIG. Service for processing payment by replacing (or converting) the integrated card with a check card / credit card for each merchant to perform payment by replacing (or converting) with a credit card previously issued to the customer according to each merchant information. At the same time can be applied, thereby the present invention is not limited.

As described above, the server receiving the integrated card issuing application information and / or credit card registration information and / or the card usage policy information for each affiliated store from the customer through the information registration interface means 160, Based on the application information for issuing the integrated card, it is determined whether the integrated card is issued to the customer (210c).

If the integrated card issuing application customer is not issued the integrated card (215c), the server generates predetermined integrated card issuing error information and transmits to the customer through the information registration interface means 160 (220c) The end of the integrated card issuing process according to the present invention.

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

During the card issuing procedure as described above, and / or after the card issuing procedure, the server performs the payment using the integrated card from the customer through the information registration interface unit 160, respectively. Substitute (or convert) the integrated card into a check card / credit card for the merchant to apply for a service for payment processing according to the merchant information of the merchant to be replaced (or converted) with a pre-issued credit card. In operation 230c, it is checked whether the pre-issued credit card registration information is received.

If the credit card registration information previously issued to the customer has not been received to apply for a payment processing service by replacing (or converting) the integrated card with a check card / credit card for each merchant from the customer (235c), the server Stores predetermined integrated card information generated in the process of performing the card issuing procedure in the storage medium 135 (240c), and ends the process of issuing the integrated card to the customer.

According to another exemplary embodiment of the present invention, credit card registration information previously issued to the customer for applying for a service for payment processing by replacing (or converting) the integrated card with a check card / credit card for each merchant from the customer is provided. If not received, the server requests the customer to issue a virtual credit card through the information registration interface means 160, and if the customer agrees with the request, the server selects a predetermined credit from the customer through the information registration interface means 160. By receiving the virtual credit card issuing application information of the, it is possible to perform a procedure for issuing a virtual credit card associated with the integrated card to the customer (see Fig. 2d), whereby the present invention is not limited.

On the other hand, if the customer receives credit card registration information previously issued to the customer to apply for a payment processing service by replacing (or converting) the integrated card with a check card / credit card for each merchant (235c), the server On the basis of the customer information included in the integrated card issuance application information (or the customer information included in the credit card registration information previously issued to the customer), it is checked whether a pre-issued credit card exists to the integrated card issuing customer (245c). ).

According to the method of the present invention, the step of checking whether the credit card pre-issued to the customer exists, the credit card D / managed by the DBMS 130 and / or DB server 130 based on the customer information It is preferable to include the process of searching for B (145).

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

According to another exemplary embodiment of the present invention, when there is no credit card previously issued to the customer, the server requests the customer to issue a virtual credit card through the information registration interface unit 160, and the customer If the user agrees to this, the user can receive the virtual credit card issuing application information from the customer through the information registration interface unit 160, and perform a procedure of issuing a virtual credit card to be associated with the integrated card to the customer. (See FIG. 2D), whereby the present invention is not limited.

If there is a credit card pre-issued to the customer as a result of the checking (250c), the server extracts the credit card information pre-issued to the customer to associate with the integrated card (255c), and the integrated card information and The credit card information pre-issued to the customer and the card usage policy information for each affiliate store are linked and stored (260c).

According to an exemplary embodiment of the present invention, the card usage policy information for each affiliate store may be received from the customer through the information registration interface unit 160 as shown in FIG. 2C, in which case the server may be integrated. Preferably, the card information and the credit card information previously issued to the customer are stored by linking the received card use policy information for each affiliated store.

According to another exemplary embodiment of the present invention, the card usage policy information for each affiliate store is not received from the customer through the information registration interface unit 160 as shown in FIG. 2C, and the DBMS 130 and / or Or it may be extracted from the predetermined policy information D / B 150 managed by the DB server 130, in this case, the server by the extracted affiliated stores the integrated card information and credit card information pre-issued to the customer It is desirable to link and store card use policy information.

According to another exemplary embodiment of the present invention, the card usage policy information for each affiliate store is not received from the customer through the information registration interface unit 160 as shown in FIG. 2C, and the DBMS 130 and And / or extracted from the predetermined policy information D / B 150 managed by the DB server 130, the customer may change (or modify) the extracted card use policy information for each affiliated store. The server preferably stores the integrated card information and credit card information pre-issued to the customer by linking and processing the card usage policy information for each affiliated store that is extracted and / or changed (or modified).

Referring to FIG. 2D, a predetermined integrated card issuing customer requests a predetermined integrated card issuance through a predetermined information registration interface means 160, and / or makes payment using the integrated card according to each merchant information. Substituting (or converting) a predetermined virtual credit card associated with the integrated card to the payment processing for each merchant to replace (or convert) the integrated card with a check card / credit card to apply for payment processing (200d) To this end, the customer may make a payment using the integrated card issuance application information and predetermined virtual credit card issuance application information and / or the integrated card to be associated with the integrated card to the server through the information registration interface means 160. Affiliation for payment processing by replacing (or converting) with a predetermined virtual credit card associated with the integrated card according to each merchant information The card usage policy information for each point is transmitted (205d).

According to the implementation method of the present invention, the integrated card issuing application customers only apply for the integrated card issuance through a predetermined information registration interface means 160, or using the integrated card issuing application and the integrated card as shown in Figure 2d Substituting (or converting) the integrated card with a check card / credit card for each merchant to perform a payment process by replacing (or converting) a predetermined virtual credit card associated with the integrated card according to each merchant information, and processing the payment. The service can be applied at the same time, thereby the present invention is not limited.

As described above, the integrated card issuance application information and / or predetermined virtual credit card issuance application information and / or the card usage policy information for each affiliated store are received from the customer through the information registration interface unit 160 as described above. The server determines whether to issue an integrated card to the customer based on the integrated card issuing application information (210d).

If the integrated card issuing application customer is not issued the integrated card (215d), the server generates a predetermined integrated card issuing error information and transmits to the customer through the information registration interface means 160 (220d) The end of the integrated card issuing process according to the present invention.

On the other hand, if it is possible to issue the integrated card to the integrated card issuing customer (215d), the server corresponding to the integrated card issuing application information to the customer according to the card issuing procedure provided to the card company (or financial company) Perform the issuance procedure (225d).

During the card issuing procedure as described above, and / or after the card issuing procedure, the server performs the payment using the integrated card from the customer through the information registration interface unit 160, respectively. Services for processing payment by replacing (or converting) the integrated card with a check card / credit card for each merchant to be replaced (or converted) with a predetermined virtual credit card associated with the integrated card according to the merchant information of In operation 230d, it is determined whether the predetermined virtual credit card issuing application information for application is received.

If the application does not receive the predetermined virtual credit card issuing application information to be associated with the integrated card in order to apply for a service for processing a payment by replacing (or converting) the integrated card with a check card / credit card for each merchant (235d) The server stores predetermined integrated card information generated in the process of performing the card issuing procedure in the storage medium 135 (240d) and terminates the process of issuing the integrated card to the customer.

According to another exemplary embodiment of the present invention, a predetermined virtual credit card to be associated with the integrated card to request a service for processing payment by replacing (or converting) the integrated card with a check card / credit card for each merchant from the customer If the issuing application information is not received, the server pre-issues the customer from the credit card D / B 145 using the customer information included in the integrated card issuing application information (or the virtual credit card issuing application information). Check whether the credit card is present, and if the credit card pre-issued to the customer exists, extract the credit card information pre-issued and provide it to the customer through the information registration interface means 160 and the integrated card. Request to select an associated credit card, and when the customer selects the credit card, the information registration interface means Receiving the credit card information from the customer through the 160 may perform a process of linking with the integrated card (see Fig. 2c), whereby the present invention is not limited.

On the other hand, if a predetermined virtual credit card issuing application information to be associated with the integrated card has been received from the customer in order to apply for a payment processing service by replacing (or converting) the integrated card with a check card / credit card for each merchant (235d) The server performs the credit card issuing procedure to the customer according to the credit card issuing procedure provided to the card company (or financial company) based on the virtual credit card issuing application information (245d).

If a predetermined virtual credit card issuance to be associated with the integrated card is not confirmed to the customer as a result of performing the credit card issuing procedure (250d), the server is generated in the process of performing the card issuing procedure to the storage medium 135. The predetermined integrated card information is stored (240d), and the process of issuing the integrated card to the customer ends.

According to another exemplary embodiment of the present invention, when a predetermined virtual credit card to be associated with the integrated card is not issued to the customer, the server is included in the integrated card issuing application information (or virtual credit card issuing application information). Check whether a credit card pre-issued to the customer exists from the credit card D / B 145 using the registered customer information, and if the credit card pre-issued to the customer exists, Extract and request the customer to select the credit card associated with the integrated card through the information registration interface means 160, and if the customer selects the credit card, the information registration interface means 160 Receiving the credit card information from the customer through the process can be performed in conjunction with the integrated card (see Figure 2c) Thereby, this invention is not limited.

On the other hand, if a predetermined virtual credit card issuance to be associated with the integrated card is confirmed to the customer as a result of performing the credit card issuing procedure (250d), the server generates predetermined virtual credit card information to be associated with the integrated card (or credit card). Extraction from the result of the issuing procedure) (255d), and the integrated card information, the virtual credit card information, and the card usage policy information for each affiliate store are linked and stored (260d).

According to an exemplary embodiment of the present invention, the card usage policy information for each affiliate store may be received from the customer through the information registration interface unit 160, as shown in FIG. Preferably, the card information and the virtual credit card information are stored by linking the received card use policy information for each affiliated store.

According to another exemplary embodiment of the present invention, the card usage policy information for each affiliate store is not received from the customer through the information registration interface unit 160 as shown in FIG. 2D, and the DBMS 130 and / or Or it may be extracted from the predetermined policy information D / B (150) managed by the DB server 130, in this case, the server uses the extracted card information for each merchant card using the integrated card information and the virtual credit card information It is preferable to store by linking.

According to another exemplary embodiment of the present invention, the card usage policy information for each affiliate store is not received from the customer through the information registration interface unit 160, as shown in FIG. 2D, and the DBMS 130 and And / or extracted from the predetermined policy information D / B 150 managed by the DB server 130, the customer may change (or modify) the extracted card use policy information for each affiliated store. The server preferably stores the integrated card information and the virtual credit card information in association with the extracted and / or modified (or modified) card usage policy information for each affiliated store.

3 is a configuration diagram of an information registration system for replacing (or converting) the integrated card payment with a check card / credit card associated with the integrated card according to merchant information after issuing an integrated card according to an embodiment of the present invention. One drawing.

In more detail, Figure 3 is a predetermined card issued by a predetermined card company (or financial company) from a predetermined card company (or financial company) through the card issuing system shown in Figure 1, the integrated card payment and the integrated card according to the merchant information The check card information previously issued to the customer, the check card previously issued to the customer and / or the predetermined virtual check card may be replaced to replace (or convert) the linked check card or credit card to process the payment. Credit card previously issued to the customer according to check card information, credit card information corresponding to a credit card and / or a predetermined virtual credit card previously issued to the customer, and payment using the integrated card according to respective merchant information. And / or link and process card usage policy information for each merchant to substitute (or convert) a predetermined virtual credit card to process payment. The chapter shows the information registration system configuration.

Those skilled in the art to which the present invention pertains, after the issuance of the integrated card in the range that does not violate the core technical matters of the present invention with reference to this figure 3 the integrated card payment according to the merchant information Various implementation methods may be easily inferred by replacing (or converting) a check card or credit card associated with the payment card, and referring to the system configuration shown in FIG. 3 and / or a part of the system configuration. It is apparent that the present invention is not limited by the respective implementation methods which are modified.

Customers who have been issued a predetermined integrated card through the card issuing system shown in FIG. 1 apply for a service for processing payment by replacing (or converting) the integrated card with a check card / credit card for each affiliated store according to the present invention. To access the information registration server (or device) 100 provided in the card company (or financial company) through the network 305 and / or communication means 305 using a predetermined customer terminal 300, the customer The terminal 300 includes a wired terminal including at least one or more desktop computers and / or notebooks, and / or a CDMA based mobile communication terminal and / or a DataTAC / Mobitex type wireless data communication terminal and / or It is preferable to include a wireless terminal including at least one portable Internet terminal based on IEEE 802.16.

Referring to FIG. 3, the information registration server (or apparatus) 100 is integrated into a predetermined customer terminal 300 used by an integrated card issuing customer through a predetermined network 305 and / or communication means 305. Information to allow a payment process by replacing (or converting) a payment using a card with a pre-issued check card and / or a virtual check card or a pre-issued credit card and / or a virtual credit card according to respective merchant information. An interface framework 310 that provides a registration interface, check card registration information and / or virtual check card issuance application information pre-issued to the customer from the customer terminal 300, and / or credit card registration pre-issued. Information and / or virtual credit card issuance application information, and / or check card and / or virtual check previously issued to the customer according to respective merchant information for payment using the integrated card. Or an information receiving unit 105 for receiving card use policy information for each merchant to be replaced (or converted) with a pre-issued credit card and / or a virtual credit card for payment processing, and the customer to the information receiving unit 105. When the check card registration information pre-issued to the customer is received, the check card information corresponding to the check card registration information pre-issued to the customer is checked and extracted from a predetermined check card D / B 140, and the information receiving unit In step 105, when the credit card registration information previously issued to the customer is received, the credit card information corresponding to the credit card registration information previously issued to the customer is identified and extracted from a predetermined credit card D / B 145. When the virtual check card issuing application information is received by the card checking unit 120 and the information receiving unit 105, the virtual check card information corresponding to the virtual check card issuing application information is received. An information generating unit 115 for generating virtual credit card information corresponding to the virtual credit card issuing application information when the virtual credit card issuing application information is received by the information receiving unit 105; When the check card pre-issued to the customer is confirmed through the card checker 120, the integrated card information and the pre-issued check card information are linked and stored, or through the information generator 115. When the predetermined virtual check card information is generated, the integrated card information and the virtual check card information are linked and stored in the storage medium 135, or previously issued to the customer through the card check unit 120. When the credit card is confirmed, the integrated card information and the pre-issued credit card information are linked and stored, or a predetermined virtual credit is provided through the information generating unit 115. When the card information is generated, the integrated card information and the virtual credit card information is processed in conjunction with the information storage unit 125 for storing in the storage medium 135, characterized in that the information receiving unit 105 Receive the card use policy information for each merchant to replace (or convert) the payment using the integrated card with a credit card and / or a predetermined virtual credit card previously issued to the customer according to each merchant information. And / or check card and / or virtual check card pre-issued to the customer, or credit card pre-issued to the customer according to respective merchant information, from the predetermined policy information D / B 150 for payment using the integrated card; When the card usage policy information for each merchant is extracted to replace (or convert) the virtual credit card and / or to process the payment, the information storage unit 125 stores the information. The card information and the virtual check card information or virtual credit card information is stored in association with the card use policy information for each affiliated store, or the integrated card information and the pre-issued check card information or credit card information for the card for each affiliated store. It is characterized by storing in association with the usage policy information.

When the integrated card issuing customer accesses the information registration server (or device) 100 through a predetermined customer terminal 300, the interface control unit 310 makes payment using the integrated card for each affiliate store information. 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 provided to the customer terminal 300 for output. It is characterized in that to provide the information registration interface of the customer terminal 300 through a predetermined network 305 and / or communication means 305.

In addition, when the integrated card issuing customer accesses the information registration server (or device) 100 through a predetermined customer terminal 300, the interface control unit 310 may make a payment using the integrated card. A user interface for replacing (or converting) a pre-issued credit card and / or a predetermined virtual credit card according to merchant information to process payment, and / or providing the output to the customer terminal 300. It is characterized in that a predetermined information registration interface is 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 control unit 310 transmits an HTTP (Hyper-Text Transfer) to the customer terminal 300. It is desirable to provide an information registration interface corresponding to a Hyper-Text Markup Language (HTML) compatible web document corresponding to a 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 the communication channel is connected through a communication network, the interface control unit 310 may provide 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 a registration 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 previously issued to the customer, and / or predetermined to receive a virtual check card to be associated with the integrated card. And at least one user interface for inputting (or selecting) virtual check card issuing application information of the user, and / or for inputting (or selecting) credit card registration information previously issued to the customer, and And / or at least one user interface for inputting (or selecting) predetermined virtual credit card issuing information for issuing a virtual credit card to be associated with the integrated card.

In addition, the information registration interface replaces the payment using the integrated card with a check card and / or a virtual check card pre-issued to the customer or a pre-issued credit card and / or a virtual credit card according to respective merchant information ( Or a user interface for inputting (or selecting) card usage policy information for each affiliated store to convert the payment) to a payment process, and inputting (or selecting) card usage policy information for each affiliated store according to the intention of a person skilled in the art. The user interface may be omitted, in this case, the information registration server (or device) 100 is the affiliated store from the policy information D / B 150 managed by a predetermined DBMS 130 and / or DB server 130 It is possible to extract the star card usage policy information.

According to another exemplary embodiment of the present invention, the interface control unit 310 is configured to manage the information registration interface from the policy information D / B 150 managed by the DBMS 130 and / or the DB server 130. It is possible to provide to the customer terminal 300, including card use policy information for each merchant, in this case, the customer terminal 300 may change (or modify) the card use policy information for each merchant.

The information receiving unit 105 replaces (or converts) the payment using the integrated card from the customer terminal 300 with the check card associated with the credit card according to each merchant information, and selects the payment to the customer to process the payment. Receive issued check card registration information and / or predetermined virtual check card issuing application information, in this case, the policy information D / B (150) managed by the DBMS 130 and / or DB server 130 Extract the card usage policy information for each merchant to replace the payment using the integrated card with (or convert) a check card and / or a predetermined virtual check card pre-issued to the customer according to each merchant information. It is desirable to.

In addition, the information receiving unit 105 replaces (or converts) the payment using the integrated card from the customer terminal 300 with the check card associated with the credit card according to the respective merchant information to process the payment. Check card registration information and / or predetermined virtual check card issuance application information previously issued to the customer and the check card and / or predetermined virtual check card previously issued to the customer according to each merchant information for payment using the integrated card. It is characterized in that for receiving the card use policy information for each merchant to replace (or switch) to the payment processing.

In addition, the information receiving unit 105 replaces (or converts) the payment using the integrated card from the customer terminal 300 with a credit card associated with the integrated card according to each merchant information, and processes the payment. And credit card registration information and / or predetermined virtual credit card issuing application information previously issued to the client. In this case, the policy information D / B managed by the DBMS 130 and / or the DB server 130 Merchant card usage policy information for replacing (or converting) the payment using the integrated card with a pre-issued credit card and / or a predetermined virtual credit card according to respective merchant information from 150. It is preferable to extract.

In addition, the information receiving unit 105 replaces (or converts) the payment using the integrated card from the customer terminal 300 with a credit card associated with the integrated card according to each merchant information, and processes the payment. Credit card registration information and / or predetermined virtual credit card issuance application information previously issued to the customer and credit card and / or predetermined virtual credit card previously issued to the customer according to respective merchant information for payment using the integrated card. It is characterized in that for receiving the card use policy information for each merchant to replace (or switch) to the payment processing.

When it is confirmed that the integrated card issuance request information received by the information receiving unit 105 includes the check card registration information pre-issued to the customer, the card verification unit 120 is the integrated card issuance request information. Based on the customer information contained in the business to be processed in connection with the integrated card issued by the card company (or financial company) that issues the integrated card to the customer (or the card company (or financial company) that issues the integrated card according to the implementation method). At least one other card company (or financial company) affiliated with the check card D / B 140 for storing check card information issued to the customer to check whether the check card previously issued to the customer exists. If there is a check card previously issued to the customer, the check card D / B 140 has been previously issued to the customer. Characterized in that the check card information is extracted.

If the integrated card issuing application information received by the information receiving unit 105 is confirmed to be received by including the credit card registration information previously issued to the customer, the card verification unit 120 is the integrated card issuing application information Work in association with the integrated card issued by the card company (or financial company) issuing the integrated card to the customer (or the card company (or financial company) issuing the integrated card according to the implementation method) based on the customer information included in the information. At least one other card company (or financial company) affiliated with the credit card D / B 145, which stores the credit card information issued to the customer, checks whether the credit card previously issued to the customer exists. If there is a credit card previously issued to the customer, the credit card D / B 145 is previously issued to the customer. And extracting credit card information.

When the integrated card issuing application information received by the information receiving unit 105 includes 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 corresponding to the check card issued to the customer by the card company (or financial company) (eg, check card number, expiration date, issuer name, etc.). Information contained in the card), 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), 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 balance) Available amount, point accumulation and payment policy, additional service information, etc.).

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

When predetermined integrated card information corresponding to the integrated card issuing application information is generated by the information generating unit 115, the information storage unit 125 is stored in the integrated card information previously stored in the storage medium 135. Check card information and / or predetermined virtual check card pre-issued to the customer and / or predetermined virtual check card information, and / or payment using the integrated card according to respective merchant information Card usage policy information for each affiliated store that replaces (or converts) the card with a payment process may be linked and stored.

According to an embodiment of the present invention, the card verification unit 120 replaces (or converts) the payment using the integrated card with the check card associated with the integrated card according to each merchant information so as to process the payment. When the check card information previously issued to the customer is confirmed and extracted, the information storage unit 125 processes the integrated card information previously stored in the storage medium 135 in association with the check card information previously issued to the customer. Preferably, the card storage policy information for each affiliate store is received from the customer terminal 300 or extracted from the policy information D / B 150. The information storage unit 125 stores the storage medium. It is preferable to store the integrated card information previously stored at 135 in association with the check card information previously issued to the customer and the card use policy information for each affiliate store.

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

According to an exemplary embodiment of the present invention, the card verification unit 120 replaces (or converts) the payment using the integrated card with the credit card associated with the integrated card according to each merchant information so as to process the payment. When the credit card information previously issued to the customer is confirmed and extracted, the information storage unit 125 processes the check card information previously stored in the storage medium 135 in association with the credit card information previously issued to the customer. Preferably, the card storage policy information for each affiliate store is received from the customer terminal 300 or extracted from the policy information D / B 150. The information storage unit 125 stores the storage medium. It is preferable to store the check card information previously stored at 135 in association with the credit card information previously issued to the customer and the card usage policy information for each affiliate store.

Referring to FIG. 3 according to an embodiment of the present invention, the payment processing by replacing (or converting) the integrated card payment with a check card associated with the integrated card includes checking the integrated card payment with the integrated card. And withdrawing the payment amount from the customer account associated with the check card by debiting in connection with a financial system 565 in which a customer account corresponding to the card is opened, and linked with the check card. When the balance of the customer account is insufficient in the process of withdrawing the payment amount from the customer account and debit processing, it is preferable to process the customer account as a negative account for the check card payment approval to solve this problem.

Accordingly, in the process of replacing (or converting) the integrated card payment with a check card associated with the integrated 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 is linked with the financial system 565 in order to set the customer account as a check card payment approval minus account. 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.

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 565 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 565. Therefore, the card company (or financial company) is the financial system 565 and the customer account associated with the check card is opened and when the balance of the customer account 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 565 through a predetermined financial network 560, the financial system 565 replaces the customer card 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 565 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 customer account can be processed as a negative account, the financial system 565 checks whether the customer account associated with the check card can be processed as a negative account based on the customer information and , 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 debit through the customer account) during the check card payment regardless of the customer credit within a predetermined small limit amount between the card company and the financial system 565. 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 resolving the shortage of the customer account associated with the check card, the check card information and the customer information By providing to the financial system 565 through a predetermined financial network 560, the financial system 565 is set to process the customer account as a negative account when the balance of the customer account associated with the check card It is characterized by.

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 565 requests a negative account processing of the customer account associated with the check card, the financial system 565 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 565 when the balance of the customer account associated with the check card is insufficient during payment of the check card. 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 and 4c and 4d is replaced (or converted) to the check card / credit card associated with the integrated card according to the merchant information after the integration card payment after issuing an integrated card according to the embodiment of the present invention A diagram illustrating an information registration process for payment processing.

4a, 4b, 4c, and 4d show more detail after issuing a predetermined integrated card from a predetermined card company (or financial company) to a predetermined customer through the card issuing system shown in FIG. Integrated card information previously issued to the customer to replace (or convert) the integrated card payment with a check card or credit card associated with the integrated card according to the merchant information through the same information registration system; Check card information corresponding to a check card and / or a predetermined virtual check card previously issued to the customer, check card information corresponding to a credit card and / or a predetermined virtual credit card previously issued to the customer, and the integration Check card and / or virtual check card previously issued to the customer or credit card and / or previously issued to the customer according to each merchant information Is an implementation method for the information registration process of linking and storing card usage policy information for each merchant to be replaced (or converted) with a virtual credit card, and specifically, FIG. 4A shows the integrated card information issued to the customer. And, it is a method for implementing by registering and processing check card information previously issued to the customer, the card use policy information for each affiliated store, Figure 4b is the integrated card information issued to the customer and the integrated card The embodiment of the present invention relates to a method of registering and linking predetermined virtual check card information and the card usage policy information for each affiliated store, and FIG. 4C shows integrated card information issued to the customer and credit card information previously issued to the customer. And, to the implementation method for registering by processing the affiliated card use policy information for each merchant, Figure 4d is The present invention relates to an integrated method of registering integrated card information issued to a customer, predetermined virtual credit card information associated with the integrated card, and card use policy information for each affiliate store.

Those skilled in the art to which the present invention pertains, the integrated card after issuing the integrated card in a range that does not violate the core technical matters of the present invention with reference to the drawings 4a, 4b, 4c and 4d. Various implementation methods for replacing (or converting) a payment with a check card or a credit card associated with the integrated card according to the merchant information may be easily inferred, and the present inventions 4a, 4b and 4c It is evident that the present invention is not limited by each implementation method by referring to the information registration process shown in FIG. 4D 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. 4A, a customer who has been issued a predetermined integrated card based on the 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 through 400a, the server makes payment using the integrated card to the customer terminal 300 through the network 305 and / or the communication means 305, respectively. In accordance with the merchant information of the customer to provide a predetermined information registration interface including a user interface for replacing (or converting) with a check card previously issued to the payment process (405a), the customer terminal 300 is The check card registration information previously issued to the customer and / or the payment using the integrated card are replaced with the check card previously issued to the customer according to each merchant information through the information registration interface. Conversion) to the input (or selected) by the merchant card processing using policy information used for payment sent 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 issuing application information from 300, it is possible to perform a procedure for issuing a virtual check card to be associated with the integrated card to the customer, whereby the present invention is not limited.

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 integrated card (425a).

Thereafter, the server replaces (or converts) the payment using the integrated card from the customer terminal 300 with the check card pre-issued to the customer according to the respective merchant information, and uses the card information for each affiliated merchant to process the payment. Is received (430a), if the card usage policy information for each merchant is not received from the customer terminal 300 (435a), the server in the DBMS 130 and / or DB server 130 From the policy information D / B 150 to manage, the card usage policy information for each affiliate to be associated with the integrated card is extracted (440a).

When the card use policy information for each affiliate is received from the customer terminal 300, and / or the card use policy information for each affiliate to be associated with the integrated card is extracted from the predetermined policy information D / B 150. In operation 445a, the server stores the integrated card information previously stored in the storage medium 135 in association with the check card information previously issued to the customer and the card usage policy information for each affiliate store (445a).

Referring to FIG. 4B, a customer who has issued a predetermined integrated card based on the 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 through 400b, the server makes payment using the integrated card to the customer terminal 300 through the network 305 and / or the communication means 305, respectively. According to the merchant information of the provides a predetermined information registration interface including a user interface for replacing (or switching) to the virtual check card associated with the integrated card to process the payment (405b), the customer terminal 300 is The virtual check card issuance application information associated with the integrated card and / or the payment using the integrated card through the information registration interface, the virtual card associated with the integrated card according to the respective merchant information. The specific card to the merchant using the policy information by replacing the large card (or switch) to process payment input (or selected) sent 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 integrated 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 integrated 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 for replacing (or converting) the payment using the integrated card with a predetermined virtual check card according to each merchant information is completed.

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 integrated card (420b), the server generates predetermined virtual check card information to be associated with the integrated card (or check card). Extraction from the result of the issuing procedure) (430b).

Thereafter, the server receives the card usage policy information for each merchant from the client terminal 300 to replace (or convert) the payment using the integrated card with a predetermined virtual check card according to each merchant information. To check (435b), if the card use policy information for each affiliated store is not received from the customer terminal 300 (440b), the server is a policy managed by the DBMS 130 and / or DB server 130 From the information D / B 150, card usage policy information for each affiliate to be associated with the integrated card is extracted (445b).

When the card use policy information for each affiliate is received from the customer terminal 300, and / or the card use policy information for each affiliate to be associated with the integrated card is extracted from the predetermined policy information D / B 150. In operation 450b, the server associates the virtual check card information with the affiliated card use policy information to the integrated card information previously stored in the storage medium 135 (450b).

Referring to FIG. 4C, a customer who has issued a predetermined integrated card based on the 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 accessing (and / or logging in) to the server via 400c, the server makes a payment using the integrated card to the customer terminal 300 via the network 305 and / or the communication means 305 respectively. According to the merchant information of the customer provides a predetermined information registration interface including a user interface for replacing (or converting) with a previously issued credit card for payment processing (405c), the customer terminal 300 is Credit card registration information previously issued to the customer and / or payment using the integrated card through the information registration interface is replaced with a credit card previously issued to the customer according to each merchant information (and (Switch 410c) to input (or select) the card use policy information for each merchant to be handled by the payment).

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

According to an embodiment of the present invention, the process of checking whether a credit card previously issued to the customer is present, based on the credit card registration information, the credit card managed by the DBMS 130 and / or the DB server 130. It is preferable to include a process of searching for the D / B (145).

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

On the other hand, if the verification result does not exist in the credit card previously issued to the customer (420c), the server from the credit card D / B (145) managed by the DBMS 130 and / or DB server 130 to the customer The issued credit card information is extracted for cooperative processing with the integrated card (425c).

Thereafter, the server replaces (or converts) the payment using the integrated card with the pre-issued credit card to the customer according to each merchant information from the customer terminal 300 to process the payment for each affiliate card. Is received (430c), if the card usage policy information for each merchant is not received from the customer terminal 300 (435c), the server in the DBMS 130 and / or DB server 130 From the policy information D / B 150 to manage, the card usage policy information for each affiliate to be associated with the integrated card is extracted (440c).

When the card use policy information for each affiliate is received from the customer terminal 300, and / or the card use policy information for each affiliate to be associated with the integrated card is extracted from the predetermined policy information D / B 150. In operation 445c, the server stores the integrated card information previously stored in the storage medium 135 in association with credit card information previously issued to the customer and card use policy information for each affiliate store (445c).

Referring to FIG. 4D, a customer who has been issued a predetermined integrated card based on the 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 accessing (and / or logging in) to the server via (400d), the server makes a payment using the integrated card to the customer terminal 300 via the network 305 and / or communication means 305, respectively According to the merchant information of the provides a predetermined information registration interface including a user interface for replacing (or converting) with a virtual credit card associated with the integrated card for payment processing (405d), the customer terminal 300 is The virtual credit card issuance application information associated with the integrated card and / or the payment using the integrated card through the information registration interface, the virtual card associated with the integrated card according to the respective merchant information. The specific card to the merchant using the policy information by replacing for the card (or switch) to process payment input (or selected) sent to the server (410d).

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

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

On the other hand, if a result of performing a credit card issuance procedure is confirmed (420d) that the predetermined virtual credit card is to be associated with the integrated card, the server generates predetermined virtual credit card information to be associated with the integrated card (or credit card). (430d).

Thereafter, the server receives the card usage policy information for each merchant from the client terminal 300 to replace (or convert) the payment using the integrated card with a predetermined virtual credit card according to each merchant information. To check (435d), if the card usage policy information for each affiliate store is not received from the customer terminal 300 (440d), the server is a policy managed by the DBMS 130 and / or DB server 130 From the information D / B 150, card usage policy information for each affiliate to be associated with the integrated card is extracted (445d).

When the card use policy information for each affiliate is received from the customer terminal 300, and / or the card use policy information for each affiliate to be associated with the integrated card is extracted from the predetermined policy information D / B 150. In operation 450d, the server associates and stores the virtual credit card information and the card usage policy information for each affiliated store with the unified card information previously stored in the storage medium 135.

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

In more detail, FIG. 5 illustrates a predetermined payment approval request text for card payment processing in a merchant provided with a predetermined payment terminal device 600, and the payment approval request text is transmitted through a predetermined payment network 555. When transmitted to a predetermined payment server 500 provided in the card company (or financial company), the payment server 500 is processed in connection with the integrated card information based on the affiliate store information included in the full payment approval request, the predetermined By reading the card usage policy information for each merchant stored in the storage medium 135, the payment approval request is approved by the check card payment associated with the integrated card or the credit card associated with the integrated card. As an embodiment of the configuration, one of ordinary skill in the art to which the present invention pertains, referring to and / or modifying this figure 5 Various system configurations (e.g., assured clicks on Visa, and / or National / BC's) to replace (or convert) integrated card payments with check cards or credit cards associated with the integrated cards according to merchant information System configuration for replacing (or converting) the integrated card payment with the check card or credit card associated with the integrated card according to the merchant information through the online card payment system corresponding to the Internet Security Payment (ISP) It may be practiced by analogy), but the present invention includes all of the inferred implementation method, and is not limited to the implementation method shown in FIG.

A system for processing payment by replacing (or converting) an integrated card payment with a check card or a credit card associated with the integrated card according to merchant information, is provided in at least one blind store and provides an integrated card payment. A card company that is connected to the payment terminal device 600 provided in at least one or more affiliated stores through a predetermined payment network 555 (eg, a value added network (VAN)) and issues the integrated card; Or a payment server 500 provided at a financial company to perform a card payment processing and replace (or convert) a card payment with a check card or a credit card associated with the integrated card according to the merchant information. When the check card payment is replaced (or converted) with the check card and the payment is processed, the financial account associated with the check card is It comprises a seoldoen a financial system 565 is preferred.

The payment terminal device 600 generates a predetermined payment approval request message including payment means information, payment information, and merchant information for electronic payment processing, and generates the predetermined payment approval request message in a predetermined payment network 555. Through the payment server 500, and through the payment network 555 is characterized in that the electronic payment processing function for receiving a predetermined payment approval full text 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 565 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 at least one or more branches ( 575), an information system 580 for processing headquarters operations, branch office information support, and customer information management; and an external computer network including the financial system and homes, businesses, retail stores, and card companies (or financial companies). External system 570 that provides electronic financial services (e.g., internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), line transfer, call center, financial settlement, etc., and components within the financial system. The interface module 590 corresponding to the middleware platform that provides inter-interfaces, and for performing the respective functions in the components of the financial system. It includes a DBMS (Database Management System) 585 for storing and managing required information (eg, financial account (or financial product), or customer ledger information, or management information, etc.), and 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 method of the present invention, the financial system 565 is characterized in that at least one or more financial accounts associated with at least one check card is opened, the external system 570 of the financial system 565 is It is preferable to communicate with the payment server 500 provided in the card company (or financial company) that issued the check card through a predetermined financial network 560 based on a predetermined transaction protocol. To this end, the external system 570 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, the financial system 565, when the payment server 500 requests the approval for a predetermined check card payment through a predetermined transaction protocol, 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 565 The check card based debit processing requested by the card company (or financial company) is approved or rejected.

The payment server 500 replaces the payment using the integrated card with a check card and / or a virtual check card previously issued to the customer or a credit card and / or a virtual credit card previously issued to the customer according to each merchant information ( Or a credit card company (or financial company) for processing the payment by converting the predetermined financial network 560 (for example, at least one or more credit card companies (or financial companies) to connect the financial system 565). Communication network) is connected to the financial system 565, the financial account opened in connection with the check card.

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

Referring to FIG. 5, the payment server 500 may include a professional receiver 505 for receiving a full payment approval request message from at least one payment terminal device 600 provided at an affiliated store through a predetermined payment network 555; A merchant that reads the payment approval request text and extracts a card number and predetermined affiliate store information, and an affiliated store stored in association with integrated card information including the extracted card number from the storage medium 135. Extract card usage policy information for each card, read card usage policy information for each merchant on the basis of the extracted merchant information, and perform payment processing corresponding to the full payment approval request with a check card associated with the integrated card. Or an information verification unit 515 for checking and determining whether to process the payment by replacing (or converting) the credit card associated with the integrated card. The check card associated with the integrated card may include at least one check card actually issued to the customer or a virtual check card associated with the integrated card, and the credit card associated with the integrated card. The at least one credit card is actually issued to the customer, or comprises a virtual credit card associated with the integrated card.

According to the present invention, the payment processing by replacing (or converting) the integrated card payment with the check card associated with the integrated card includes opening a customer account corresponding to the check card associated with the integrated card. It is characterized in that it comprises a withdrawal process by withdrawing the payment amount from the customer account associated with the check card in conjunction with the financial system 565.

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 565 opened the customer account corresponding to the check card, In order to solve the payment process by replacing (or converting) the integrated card payment with the check card associated with the integrated card, preferably further comprises processing the customer account as a negative account for the check card payment approval. .

According to another exemplary embodiment of the present invention, the payment processing by replacing (or converting) the integrated card payment with a credit card associated with the integrated card is performed through the credit card associated with the integrated card. Characterized in that it comprises a credit settlement process.

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

As a result of the check by the information confirming unit 515, when the integrated card payment processing is replaced (or converted) with a credit card associated with the integrated card, the payment server 500 corresponds to the full payment approval request. It is preferable that the payment processing further comprises a credit card payment approval unit 525 for performing a credit card payment approval procedure based on the credit card information stored in the storage medium 135.

Alternatively, when the check result of the information confirming unit 515 processes the amount corresponding to the integrated card payment amount to the cash service (or card loan) through the credit card associated with the integrated card, the payment server 500 is It is preferable to further include a cash service processing unit 535 for performing a cash service (or to a card) procedure procedure based on the credit card information stored in the storage medium 135 for the payment processing corresponding to the full payment approval request. Do.

Alternatively, the verification result of the information confirming unit 515 replaces (or converts) the integrated card payment process with the check card associated with the integrated card and executes the payment process (for example, a customer account corresponding to the check card associated with the integrated card). When the payment amount is withdrawn from the customer account associated with the check card in connection with the established financial system 565 to process the payment by debit), the payment server 500 makes a payment corresponding to the full payment approval request. The check card payment approval unit 520 performs a check card payment approval process by interworking with the financial system 565 in which the customer account is opened based on the check card information stored in the storage medium 135. It is preferable to make it.

Alternatively, when the check card payment approval unit 520 runs out of the check card payment approval process in connection with the financial system 565 where the customer account is opened, the balance of the customer account associated with the check card is insufficient. In order to solve this problem, the server 500 may further include 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 is generated by the check card payment approval unit 520 or the credit card payment approval unit 525 or the cash service processing unit 535 or the negative account processing unit 530. A full text generation unit 540 for generating a predetermined payment approval text including a payment approval result, and a text transmission for transmitting the generated payment approval text to the payment terminal device 600 through the payment network 555. It is preferable that the portion 545 is included.

According to the implementation method of the present invention, the payment server 500 is replaced (or converted) with the check card associated with the integrated card, or the credit card associated with the integrated card (or conversion) If so, preferably further comprises a customer approval processing unit 550 for requesting and processing the customer approval for the replacement (or conversion) of the integrated card payment with a check card or credit card associated with the integrated card. .

The specialized receiving unit 505 is provided from the payment terminal device 600 through a predetermined payment network 555 according to a card payment transaction protocol defined between at least one payment terminal device 600 and the card company (or financial company). Characterized in that a payment approval request full text is received, the received payment approval request full text is provided to the information reading unit (510).

The information reading unit 510 replaces (or converts) a payment using the integrated card with a check card or a credit card associated with the integrated card according to the merchant information, and determines whether the payment is processed. And extracting the card number and the affiliated store information (eg, the terminal number or the affiliated store number) from which the full payment approval request message is transmitted. The extracted card number and the affiliated store information are the information checking unit 515. Is provided.

The information checking unit 515 checks the integrated card information including the extracted card number from the storage medium 135, and extracts card use policy information for each affiliated store stored in association with the integrated card information.

In addition, the information checking unit 515 reads out the extracted card use policy information for each affiliated store based on the extracted affiliated store information, thereby performing a payment process corresponding to the full payment approval request message in association with the integrated card. It is characterized by checking and determining whether to process the payment by replacing (or converting) to, or by replacing (or converting) with a credit card associated with the integrated card.

If it is determined that the information confirming unit 515 determines that the payment processing corresponding to the full payment approval request is replaced (or converted) with a check card associated with the integrated card, the payment processing is performed. The payment approval unit 520 extracts a payment amount from the full payment approval request, calculates a predetermined payment fee based on the payment amount, and adds the calculated payment fee and the payment amount to a predetermined approval request amount. It is characterized by calculating.

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

According to the method of the present invention, when the debit card payment approval unit 520 performs the debit processing through the member account associated with the check card, a predetermined member passbook factor to be printed on the account book corresponding to the member account. It is desirable to create 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 565 through a predetermined financial network 560, 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 565 through the financial network 560, the financial network 560 The debit processing approval result text corresponding to the debit processing approval request full text is received from the financial system 565, and the debit processing approval result is provided to the full text generation unit 540.

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 565 may include 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.

When 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 affiliate store.

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 amount of the negative account processing amount is based on 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 corresponding amount of money, and the present invention is not limited thereby.

According to an exemplary embodiment of the present invention, the payment server 500 and the financial system 565 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 560, 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 565. 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 565).

Subsequently, the negative account processor 530 interoperates with the financial system 565 to process a negative deposit to the 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 exemplary embodiment of the present invention, the payment server 500 and the financial system 565 are not connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 560 (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 transfer fee corresponding to the financial system 565 (or may be omitted depending on a business partnership between a card company (or a financial company) and the financial system 565), and the payment server 500 and the financial system ( The calculated negative account processing through the financial network 560 after 565 is connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 560. 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 565. 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 565 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 560, the negative account processing unit 530 processes the negative account. On the basis of the reservation through the financial network 560 to the negative account processing amount of the reserved account to the check card linked customer account provided in the financial system 565, 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 560.

According to another embodiment of the present invention, the storage medium 135 may be accessed from the financial system 565 (eg, the check card unit of the external system 570) in which the customer account associated with the check card is opened. And / or information stored in the DBMS 585 provided in the financial system 565 to process a customer account associated with the check card as a negative account, the negative account processing unit 530 may be configured as the financial system. 565 may be provided (for example, the check card portion of the external system 570), and the present invention is not limited thereto.

If it is determined by the information confirming unit 515 that it is determined that the payment processing corresponding to the full payment approval request is made through the credit card associated with the integrated card, the payment processing is approved. The unit 525 extracts a payment amount from the full payment approval request, and includes a credit payment limit amount (or a credit accumulation amount including the extracted payment amount in credit card information stored in the storage medium 135) (or The total limit amount), thereby replacing (or converting) the integrated card payment with the credit card so that payment approval processing is performed, and the credit approval result is provided to the expert generation unit 540. .

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

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

If it is determined by the information confirming unit 515 that the payment amount corresponding to the full payment approval request is determined to be processed by a cash service (or card loan) through a credit card associated with the integrated card, the cash The service processor 535 extracts a payment amount from the full payment approval request text, calculates a predetermined cash service processing amount from the extracted payment amount, and stores the calculated cash service processing amount in the storage medium 135. By checking whether the amount exceeding the cash service limit amount (or total limit amount) included in the credit card information, the integrated card payment amount to be processed through the credit card as a cash service (or card loan), the cash The service approval result is provided to the full text generation unit 540.

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

According to another exemplary embodiment of the present invention, the calculated cash service processing amount includes a partial amount of the authorization request amount (or the settlement amount) calculated based on the settlement amount extracted from the full payment approval request. It is preferable to make.

According to an embodiment of the present invention, when the credit card associated with the integrated card is a credit card actually issued to the customer, the cash service processing unit 535 replaces (or converts) the integrated card payment. By storing the cash service processing details in association with the credit card information, it is preferable that the cash service processing amount is included in the credit card settlement request amount actually issued to the customer and billed to the customer.

According to another exemplary embodiment of the present invention, when the credit card associated with the integrated card is a virtual credit card associated with the integrated card, the cash service processing unit 535 replaces (or converts) the integrated card payment and processes the credit card. By storing the processed cash service details in association with the integrated card information, so that the payment amount is charged to the customer through the integrated card, or by storing the cash service processing details in association with the credit card information. Preferably, the cash service processing amount is included in the credit card settlement request amount to be billed to the customer.

When the integrated card payment is replaced (or converted) with the check card or credit card associated with the integrated card, the customer approval processing unit 550 converts the integrated card payment into the check card or credit card associated with the integrated card. And requesting and processing a customer approval for being replaced (or converted), wherein the process of processing the customer approval is integrated according to the present invention upon issuing an integrated card to the customer and / or after issuing the integrated card. Before providing the card-based electronic payment service for the first time, and / or after the issuance of the integrated card for the first time to provide an integrated card-based electronic payment service according to the present invention, and / or after the integrated card issuance, the integrated card based It is preferable to include at least one time point for each electronic payment service provided.

According to an embodiment of the present invention, when issuing an integrated card to the customer, and / or after the issuing the integrated card, before the first providing an integrated card-based electronic payment service according to the present invention, and / or issuing the integrated card, Requesting and processing customer approval for replacing (or converting) the integrated card payment with a check card or credit card associated with the integrated card at the time of providing the integrated card based electronic payment service according to The customer approval processing unit 550 replaces (or converts) the integrated card payment with the check card or credit card associated with the integrated card to the client terminal 300 according to the card usage policy information for each affiliate store. Request, and when the customer approves it, the integrated card information and / or provisional information stored in the storage medium 135 are sent to the customer approval result. It can be achieved by including a storage card jeombyeol use policies.

According to another embodiment of the present invention, at the time of providing an integrated card-based electronic payment service according to the present invention, the integrated card payment is replaced (or converted) with a check card or a credit card associated with the integrated card. Requesting and processing the customer approval for the customer approval processing unit 550, the customer approval processing unit 550 through a predetermined wireless communication network (eg, CDMA based mobile communication network, IEEE 802.1x based high-speed wireless Internet communication network, DataTAC / Mobitex based wireless data communication network) Request access to the customer approval processing unit 550 from the wireless terminal (for example, if the wireless communication network is a mobile communication network, transmit a wireless message including a CallbackURL to the customer wireless terminal, the customer wireless terminal via the CallbackURL Requesting access to the customer approval processing unit 550), and the wireless terminal sends the integrated card payment to the integrated car. As a check card or credit card in connection with can be achieved by ensuring that inputs a password (symmetric key) for approval to be replaced (or conversion).

A method of requesting and processing a customer approval for replacing (or converting) the integrated card payment with a check card or a credit card associated with the integrated card at each time of providing the integrated card-based electronic payment service, When the payment terminal device 600 is a client terminal that supports an online integrated card payment service, the customer approval processing unit 550 generates a predetermined authentication number and transmits it to the customer wireless terminal through a predetermined wireless communication network. When the customer wireless terminal inputs the authentication number to the client terminal, the client terminal transmits the authentication number to the customer approval processing unit 550, and the customer approval processing unit 550 transmits to the customer wireless terminal. By comparing the authentication number and the authentication number received from the client terminal.

In addition, at the time of providing the integrated card-based electronic payment service every request for and processing the customer approval for the replacement (or conversion) of the integrated card payment to the check card or credit card associated with the integrated card In the case where the payment terminal device 600 is an affiliated store terminal that supports an offline integrated card payment service, before the integrated card payment is performed, the customer wireless terminal is connected to the customer approval processing unit 550 through a predetermined wireless communication network. Access, generate a predetermined authentication number in the customer approval processing unit 550 and transmit the predetermined authentication number to the customer wireless terminal through a predetermined wireless communication network, and then check a predetermined check associated with the integrated card during the integrated card payment according to the present invention. In the process of providing a cash service using a card or credit card, the authentication number is entered into the merchant terminal, The merchant terminal may be made by including the authentication number in a predetermined payment approval request message to the payment server 500.

In addition, at the time of providing the integrated card-based electronic payment service every request for and processing the customer approval for the replacement (or conversion) of the integrated card payment to the check card or credit card associated with the integrated card In the case where the payment terminal device 600 is an affiliated store terminal that supports an offline integrated card payment service, the payment terminal device 600 generates a predetermined authentication number and outputs it to a screen, and then outputs the authentication number. Including a payment approval request in full, 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 550 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 is a predetermined check card or credit associated with the integrated card payment by the integrated card by the card usage policy information for each merchant in the payment server 500 of the card payment through the issued integrated card If the card is replaced (or converted) and processed, the payment terminal device 600 for processing the same, if one of ordinary skill in the art to which the present invention pertains, see FIG. And / or deformed to infer various payment terminal devices 600 for processing the card payment when the card payment is replaced (or converted) with a predetermined check card or credit card associated with the integrated card. It may be practiced by the present invention, but it is to be understood that the present invention encompasses all the inferred methods of implementation.

Referring to FIG. 6, the payment terminal device 600 basically includes a control unit 605, a memory unit 650, a card reader unit 610, a key input unit 620, a screen output unit 615, and a communication processing unit 630. And a power supply unit 625 for supplying power to the security application module 635, the print output unit 640, and the payment terminal device 600, at least one terminal function unit ( Omission).

The control unit 605 controls the overall operation of the payment terminal device 600 in the functional configuration, manages the flow of information or data between each component, and the integrated card payment from the payment server 500 and the integrated card In the case of processing by replacing (or converting) a predetermined check card or credit card linked thereto, it is characterized in that it controls the components provided in the payment terminal device 600 to process this, and hardware (Central Processing) And at least one processor including a unit / microprocessor unit (MPU), an execution memory (for example, a register and / or random access memory (RAM)), and a bus for inputting and outputting predetermined data. In addition, in order to perform a function specific to the payment terminal device 600 by software from the predetermined recording medium to the execution memory (Loading) A predetermined program routine and / or program data which are arithmetic processed by the processor (thereby replacing (or converting) the integrated card payment with a predetermined check or credit card associated with the integrated card) In this case, a component that can be processed in software among predetermined programs recorded on a recording medium provided in the payment terminal device 600 and / or a functional configuration provided in the payment terminal device 600 for processing the same. Shown in the control unit 605).

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 integrated card payment service defined in (600), the payment server 500 replaces (or converts) the integrated card payment with a predetermined check card or credit card associated with the integrated card. In this case, the components provided in the payment terminal device 600 are interoperably controlled to process the same, and / or the integrated card payment is linked to the integrated card by the payment server 500. With a check or credit card If the product (or switch) is treated, 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 the exemplary embodiment of the present invention, the memory unit 650 stores a storage area for storing payment processing approval details using the integrated card, and the predetermined payment card linked to the integrated card by the payment server 500. When processing by replacing (or converting) with a check card or credit card, payment processing for storing the check card payment details or credit card payment details processed by replacing (or converting) the integrated card payment with the check card or credit card. And a storage area for storing the approval details and / or a storage area for storing the check / credit processing details including at least one of the negative account processing details or the cash service processing details.

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

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 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or signal) input from a predetermined key input device and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal device 600 controlled by the controller 605. When predetermined information (or signal) is input from a predetermined 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 the exemplary embodiment of the present invention, the key input unit 620 is key data corresponding to the integrated card payment service from at least one key input device for the integrated card payment service defined in the payment terminal device 600. It is preferable to perform a function of a key input means for receiving an input (for example, a payment amount).

The screen output unit 615 is a liquid crystal display (LCD) and / or by the control unit 605 in the process of the payment terminal device 600 performs a predetermined function (for example, payment processing function using a card) At least one information or data that is 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, wherein the screen output unit 615 and the screen output device interoperate with each other to perform the 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 outputs a card payment processing screen according to each card payment step to the screen output device for the integrated card payment service defined in the payment terminal device 600. It is preferable to perform the function of the screen output means to make, or check card payment history and / or credit card payment history or negative account processing history or cash service processing history included in the payment approval message received from the payment server 500 It is preferable to perform the function of the screen output means for outputting the back and the like.

The communication processing unit 630 is a terminal on a payment network 555 (eg, a value added network (VAN)) while the payment terminal device 600 performs a predetermined function (for example, a payment processing function using a card). (Or a server) and / or a terminal (or device) connected to the payment terminal device 600 through a predetermined cable and / or a terminal (or device) connected to the payment terminal device 600 through predetermined short-range wireless communication (or 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 port. A cable communication unit for connecting a communication session with a predetermined terminal (or device), and / or with a predetermined short distance communication terminal (or device) device through at least one or more short range wireless communication means. Comprised, including the short-range wireless communication unit for connecting the defined 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 (SAM) is a confidentiality and / or authentication required by the payment terminal device 600 to perform electronic payment and / or card payment using the card. Security requirements, including authentication and / or integrity and / or nonrepudiation, may be applied to the payment terminal device without using an authentication server (or payment server 500) on the payment network 555. A safety device for performing a secure and reliable structure within 600, wherein the payment terminal device 600 is processed in the process of performing a predetermined security request function (for example, electronic payment and / or card payment function). In the process of encrypting or decrypting a message (information or data), adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It characterized in that it performs the function of storing important key information.

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

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

The print output unit 640 may be configured to perform a predetermined function (eg, a payment processing function using a card) by the payment terminal device 600 and / or predetermined information or data (eg, payment) generated as a result. Processing result information or data) to a predetermined printing device (e.g., a receipt printer), and printing for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. This includes the protocol and drivers.

Referring to FIG. 6, the payment terminal device 600 includes payment means information read from a predetermined integrated card, payment information including a payment amount, and merchant information including a terminal number (or merchant number). A payment message generation unit 655 for generating a payment approval request message; a transmission unit 660 for transmitting the generated payment approval request message to a predetermined payment network 555 through the communication processing unit 630; A receiving unit 665 for receiving a payment approval text corresponding to the payment approval request text from the payment network 555 through the communication processor 630, and reading the received payment approval text to read the check card payment details and / or Or an authorization full text reader 670 for checking whether the credit card payment history and / or the negative account processing history and / or the cash service processing history are included, and the received payment approval. Separate the door by history and is characterized in that the output from the display output portion, and / or separate the received payment authorization by specialized authorization obtained by having a specialized authorization processing unit 675 to store in the memory unit.

The payment message generation unit 655 may be inputted from the key input unit 620 and payment means information read from a predetermined integrated card through the card reader unit 610, and / or of the communication processing unit 630. Payment information including payment information including a payment amount received from a predetermined point of sales (POS) terminal through a cable communication unit, and merchant information including a terminal number (or merchant number) extracted from the memory unit. Characterized in that the full approval request.

The transmission unit 660 transmits the payment approval request text generated by the payment text generation unit 655 through a predetermined payment network 555 (eg, a value added network) through the communication processing unit 630; VAN)), and the full payment approval request message is transmitted to the payment server 500 provided in the card company (or financial company) that issued the integrated card through the payment network 555.

Thereafter, the payment server 500 based on the functional configuration shown in Figure 6 based on the predetermined card use policy information for each affiliate associated with the integrated card information, the payment of the integrated card and the integrated card Payment processing is replaced (or converted) with an associated check card, or payment processing is performed by replacing (or switching) the integrated card payment with a credit card associated with the integrated card, whereby the payment server 500 checks. A payment approval message including at least one card payment history and / or credit card payment history and / or negative account processing history and / or cash service processing history is generated and transmitted to the payment terminal device 600. 665 receives the full text of payment approval from a predetermined payment network 555 through the communication processor 630.

The approval message reader 670 reads the payment approval message received through the receiver 665 to process the check card payment history and / or credit card payment history and / or negative account included in the payment approval message. It is characterized by reading and confirming the details and / or cash service processing history.

The approval message processing unit 675 is linked to the screen output unit 615 and / or print output unit 640, the check card payment history and / or included in the payment approval message received through the receiving unit 665. Credit card payment history and / or negative account processing history and / or cash service processing history is classified into each of the details and output to the screen output device and / or printing device 645 provided in the payment terminal device 600 It is done.

In addition, the approval specialized processor 675 is linked to the memory unit 650, the check card payment history and / or credit card payment history and / or negative account included in the payment approval message received through the receiving unit 665. The processing details and / or cash service processing details may be classified and stored in the memory unit 650 provided in the payment terminal device 600.

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

In more detail, FIG. 7 illustrates a predetermined payment network 555 (eg, a value-added communication network) generated by a predetermined payment terminal device 600 including a credit authorization terminal (CAT) for integrated card payment processing. Value Added Network (VAN)) is an example of an implementation method for a payment approval request specialized structure transmitted to a card company (or a financial company), and those skilled in the art to which the present invention pertains, FIG. 7 By referring to and / or modified to be able to infer various implementation methods for the payment approval request professional structure according to the intention to those skilled in the art, the present invention includes all the implementation methods inferred above, It is by no means limited to the one illustrated in FIG.

Referring to FIG. 7, the 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), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The payment approval request text includes a transaction classification item (eg, integrated card payment request, integrated card payment cancellation, etc.), a terminal_ID item for the payment terminal device 600, a POS entry mode item, TRACK II Data items (e.g., PAN (Primary Account Number) area of TRACK II of MS card and AD (Additional Data) corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 600 ) And / or card information obtained from the DD (Discretionary Data) area, and the installment months and total payment amount items corresponding to the integrated card payment information after a predetermined file separator (0X1C) and And a service fee item, 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, 8C, and 8D illustrate a payment approval specialized structure according to an embodiment of the present invention.

In more detail, FIGS. 8A, 8B, 8C, and 8D show a payment approval request as shown in FIG. 7 from a predetermined payment terminal device 600 to a predetermined card company (or financial company) through a predetermined payment network 555. After transmitting the full text, the payment server 500 provided in the card company (or financial company) applies the payment processing corresponding to the full text of the payment approval request by applying the card usage policy for each affiliated store or the check card associated with the integrated card. After replacing (or converting) with a credit card, the payment server 500 transmits the payment terminal device 600 to the payment approval system. Referring to FIG. As a result of applying the card use policy for each merchant, the integrated card payment is linked with the financial system 565 in which the customer account corresponding to the check card associated with the integrated card is opened. The payment approval is for the case of debit processing withdrawal from the customer account associated with the credit card, Figure 8b is a result of applying the credit card payment policy for each merchant as a result of the credit card payment amount associated with the integrated card The payment approval mixed message for the case where the customer account corresponding to the check card is processed as a negative account, and FIG. 8C shows that the integrated card payment is applied through the credit card associated with the integrated card. This is for the full payment approval for the case of credit settlement, and FIG. 8d shows a cash service (or card loan) through the credit card associated with the integrated card. ) Is for a mix of payment approvals for the case.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 8a, 8b, 8c, and 8d to complete the payment approval request corresponding to the full payment approval request message according to the intention of the person skilled in the art. Various implementation methods for the structure may be inferred, but the present invention includes all the implementation methods inferred above, and the present disclosure is limited to those illustrated in FIGS. 8A, 8B, 8C, and 8D. Is never. For example, the payment approval mixed text shown in FIGS. 8B and 8C may include at least one individual payment approval text (eg, payment approval text and negative account processing text in the case of FIG. 8D, payment approval text and cash service processing in the case of FIG. 8D). The present invention may be processed in full text, and the present invention is not limited thereto.

8A, 8B, 8C, and 8D, the payment approval specialized 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 payment approval full text includes a plurality of approval result items, and each approval result item is divided through a predetermined file separator (0X1C).

The payment approval message may include a transaction classification item corresponding to a payment processing result processed by the payment server 500, a Terminal_ID item for the payment terminal device 600, and a status value item (eg, 'O': payment request normal approval). 'X': payment request declined), transaction date / time item, message1 item, message2 item, message3 item, message4 item, authorization number item (e.g., the payment number if the status value is 'O', or If the status value is 'X', payment refusal reason code), purchaser ID item, card company (bank) type name item, issuer ID item, document serial number item, merchant number item, document purchaser item, comment item, HELP It includes a DESK PHONE NO item, a PIN DATA item, and a Control_Flag item. Those skilled in the art can clearly understand the details of each approval result item included in the full payment approval with reference to FIGS. 8A, 8B, 8C, and 8D. Since there will be, detailed description thereof will be omitted.

Referring to FIGS. 8A and 8B according to an exemplary embodiment of the present invention, when the integrated card payment is replaced (or converted) with a check card associated with the integrated card, the payment approval full text is applied. Preferably, the transaction classification items included in the transaction classification information corresponding to the check card (for example, "check card replacement settlement approval", "check card replacement settlement cancellation") is included. In addition, the card company (bank) type name item is preferably made to include the check card type name associated with the integrated card.

Referring to FIG. 8C, the payment approval mixed message includes a negative account transaction classification item corresponding to a negative account transaction classification through a check card associated with the integrated card in the payment approval message shown in FIG. 8A, and the integrated card. A negative account processing amount item including a negative account processing amount through an associated check card, and a negative account status value item through a check card associated with the integrated card (eg, 'O': negative account normal processing, 'R' : Negative account processing reservation, 'X': negative account processing error) and a negative account authorization number item through a check card associated with the integrated card (e.g., when the status value item is 'O', Negative account authorization number through linked check card, or negative account through check card associated with integrated card when status value item is 'X' It characterized by further comprising a section reason code, and so on).

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 integrated card may be included in the message 3 item and / or message 4 item included in the payment approval message. It may be included and received by the payment terminal device 600, whereby the present invention is not limited.

Referring to FIGS. 8C and 8D according to an exemplary embodiment of the present invention, when the integrated card payment is replaced (or converted) with a credit card associated with the integrated card, the payment approval full text is applied. Preferably, the transaction classification items included in the transaction classification information corresponding to the credit card (for example, "credit card replacement settlement approval", "credit card replacement settlement cancellation") is included. In addition, the card company (bank) type name item preferably comprises a credit card type name associated with the integrated card.

Referring to FIG. 8D, the payment approval preamble is a payment approval preamble shown in FIG. 8C, and a cash service transaction classification item corresponding to a cash service transaction classification through a credit card associated with the integrated card, and associated with the integrated card. A cash service processing amount item including a cash service processing amount through a credit card, and a cash service status value item through a credit card associated with the integrated card (eg, 'O': cash processing normal processing, 'X': Cash service processing error) and a cash service authorization number item through a credit card associated with the integrated card (eg, if the status value item is 'O', a cash service authorization number through a credit card associated with the integrated card). Or, if the status value item is 'X', a cash service refusal reason code through a credit card associated with the integrated card). The.

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

Hereinafter, the payment approval request shown in FIG. 7 from the payment terminal device 600 shown in FIG. 6 to the payment server 500 provided in the card company (or financial company) based on the payment system configuration shown in FIG. 5. In the case of transmitting the full text, the payment server 500 uses the integrated card to settle the payment using the integrated card on the basis of predetermined card use policy information for each merchant to the check card or credit card associated with the integrated card. A preferred implementation method for replacing (or converting) payment processing is illustrated and described. However, based on the card usage policy information for each merchant, the method of performing payment processing by replacing (or converting) the payment using the integrated card with the check card or the credit card associated with the integrated card is shown below only with the drawings and descriptions. The present invention is not limited thereto, and a person having ordinary knowledge in the art to which the present invention pertains refers to a check card or a credit card linked to the integrated card for payment using the integrated card by referring to and modifying the drawings and descriptions shown below. It will be possible to infer various implementation methods for payment processing by replacing (or converting) with, and the present invention includes all implementation methods inferred.

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

Specifically, FIG. 9 is a payment server 500 provided at a card company (or financial company) in the payment terminal device 600 shown in FIG. 6 based on the payment system configuration shown in FIG. As an embodiment of the method for transmitting the full payment approval request, the person of ordinary skill in the art to which the present invention pertains refers to the payment terminal device according to the intention to those skilled in the art by referring to and / or modifying the drawing 9. Although it may be possible to infer various implementation methods for generating the full payment approval request message at 600 and transmitting it to the payment server 500, 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 integrated card payment means through a predetermined card reader, reads the integrated card payment means information from the card at 900, Receive payment information including a payment amount through a predetermined key input device, and / or receive a payment amount from a predetermined POS terminal (905), the memory unit 650 provided in the payment terminal device (600) Merchant information including the terminal number (or affiliate store number) is extracted from the network (910).

Thereafter, the payment terminal device 600 generates a predetermined payment approval request text including the integrated card payment means information, payment information, and the affiliated store information as shown in FIG. 7 (915), and generates the payment approval request. The full text is transmitted to the payment server 500 provided in the card company (or financial company) that issued the integrated card through a predetermined payment network 555 (920).

FIG. 10 is a diagram illustrating a process of applying a card usage policy for each affiliated store to a 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 card payment approval request corresponding to a full payment approval request received from the payment terminal device 600 is used in the storage medium 135 according to the affiliated card stored in the storage medium 135 through the process shown in FIG. 9. As an exemplary embodiment of the present invention, a method of determining whether to process a payment by using a check card associated with the integrated card or to replace (or convert) a credit card associated with the integrated card by applying a policy is provided. Those skilled in the art may refer to and / or modify this drawing 10 to apply the card usage policy for each merchant stored in the storage medium 135 to the card payment approval request according to one of ordinary skill in the art. Various implementations may be inferred, but the present invention is not limited to the inferred implementations. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 10, when a server provided in the card company (or financial company) receives a predetermined payment approval request message from the payment terminal device 600 through a predetermined payment network 555 (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 integrated card payment approval request is full (1010).

If the received payment approval request text is not the integrated card payment approval request text according to the present invention (1015), the server performs a predetermined payment processing corresponding to the received payment approval request text (1020).

On the other hand, if the received payment approval request full text is integrated card payment approval request full text according to the present invention (1015), the server reads the payment approval request full-text structure to extract the card number and merchant information from the payment approval request full text In operation 1030, the integrated card information including the card number extracted from the storage medium 135 is checked.

If the integrated card information including the card number is not confirmed from the storage medium 135 (1035), the server generates the payment approval message including the integrated card payment error result to generate the payment network 555. The payment terminal device 600 transmits the data to the payment terminal device 600 through 1040.

On the other hand, if the integrated card information including the card number is confirmed from the storage medium 135 (1035), the server processes the affiliated card usage policy information stored in association with the integrated card information from the storage medium 135 The storage medium 135 based on the merchant information extracted from the payment approval request message (or extracted from a predetermined merchant information D / B (not shown)) based on the payment approval request message (1045). By reading the card usage policy information for each merchant extracted from the merchant, whether the integrated card payment request corresponding to the full payment approval request is processed through the check card payment means associated with the integrated card, or linked with the integrated card It is determined whether to process the payment by replacing (or converting) the credit card payment method (1050).

According to an embodiment of the present invention, when the affiliated card use policy information includes a list of affiliated store information to be processed through the integrated card payment means, the server stores the extracted affiliated store information on the affiliated card use policy information. Check whether it matches the merchant information included in the check result, and if the extracted merchant information matches the merchant information included in the card usage policy information for each merchant, the integrated card payment request is settled through the check card payment means. If it does not match, it determines that the integrated card payment request through the credit card payment means.

If it is determined that the integrated card payment request is to be processed through the check card payment means associated with the integrated card (1055), the server opens a customer account corresponding to the check card associated with the integrated card. In conjunction with the financial system 565, the check card payment approval procedure is performed.

On the other hand, if it is determined that the integrated card payment request is processed through the credit card payment means associated with the integrated card (1055), the server approves the credit card payment through the credit card associated with the integrated card. Perform the procedure.

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

In more detail, FIG. 11 illustrates that the storage medium (1) is determined to process a payment approval request corresponding to the full payment approval request message through the check card payment means as a result of applying the card use policy for each merchant shown in FIG. An embodiment of the present invention is a method for processing a payment approval request corresponding to the full payment approval request through the check card information stored in association with the integrated card information, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying the present invention with reference to FIG. 11, various embodiments of the present invention can be inferred by a person of ordinary skill in the art to process a payment approval request corresponding to the full payment approval request in the payment server 500 through the check card payment means. As will be appreciated, the invention is not limited by the method of inferred. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 11, when it is determined that the payment approval request corresponding to the full payment approval request message is processed through the check card payment means as a result of applying the card usage policy for each affiliated store shown in FIG. Extracting a predetermined payment amount from the full approval request (1100), calculating a check card payment fee by applying a predetermined check card fee rate to the extracted payment amount (1105), and extracting the check card payment amount and the check The card fee is summed to calculate a predetermined authorization request amount (1110).

Thereafter, the server checks the check card information linked to the integrated card information from the storage medium 135 based on the extracted card number (1115), and checks the check card information from the storage medium 135. After extracting the check card number included, the card company account number, member bank code, member account number and member point code, etc. (1120), after generating the contents to be printed in the member account after the check card based debit processing 1125, as shown in FIG. 7, a check card debit processing approval request including the check card number, 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; Generate a full text (1130), and transmits the generated check card debit processing approval request full text to a financial system 565 corresponding to the member bank code through a predetermined financial network (560) (1135). .

12 is a diagram illustrating a check card debit processing approval request specialized structure defined between the payment server 500 and the financial system 565 according to an embodiment of the present invention.

In more detail, FIG. 12 shows that the payment server 500 includes the financial system 565 between a payment server 500 provided at the card company (or a financial company) and a financial system in which a member account associated with the check card is opened. As an exemplary method for a specialized structure for requesting a debit processing approval request for the check card, a person having ordinary skill in the art to which the present invention pertains will refer to and / or modify this drawing 12 and will be skilled in the art. It will be possible to infer the entire debit authorization request request debit card according to the intention, but the present invention includes, but is not limited to all implementation methods inferred.

Referring to FIG. 12, the payment server 500 moves to the financial system 565 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. It is characterized in that it is commonly included in all transaction data transmitted and received between the 500 and the financial system 565. Those skilled in the art to which the present invention pertains will clearly understand the items defined in the common part of the check card debit authorization request full text, and thus the detailed description thereof will be omitted for convenience.

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

13A and 13B are diagrams illustrating an operation process of the financial system 565 that has received a check card debit processing approval request message from the payment server 500 according to the embodiment of the present invention.

In more detail, Figures 13 and 13b are received from the payment server 500 in the financial system 565 in which the member account associated with the check card is opened and receives the check card debit processing approval request message as shown in Figure 12 from the payment server 500. As shown in FIG. 13A, 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 shown. The payment server provided in the card company (or financial company) as shown in Figure 5, 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 of the check card payment according to the invention The case is provided in 500, Figure 13b is a customer account associated with the check card of the check card payment according to the present invention Account for the negative processing unit that provides a negative account service for debit card payment authorization will be one in the case provided in the financial system (565).

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 13 and 13b 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. While various methods of providing a service for a financial system 565 that provides a negative account service for approving a check card payment may be inferred, the present invention includes all the implementation methods inferred, and the method for providing the service is shown in this figure. It is by no means limited to that shown in Fig. 13 and Fig. 13B.

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 FIG. 13A, the financial system 565 which has received the check card debit processing approval request message as shown in FIG. 12 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 entire check card debit processing approval request message (1300a), and the remaining balance information of the member account is extracted using the member account number and the member point code (1305a).

Thereafter, the financial system 565 compares the approval request amount with the member account balance information, and confirms whether the check card debit processing approval corresponding to the full check card debit processing approval request is approved (1310a). According to the implementation method, the balance of the member account is greater than the authorization request amount, and it is possible to transfer the authorization request amount from the member account to a financial account corresponding to the card company account number included in the check card debit processing authorization request. In this case, the check card debit authorization for the full check card debit authorization request is determined.

If the check card debit authorization is not verified (1315a), the financial system 565 generates a predetermined check card debit authorization result including the check card debit denied (or debit error) (1320a). ).

On the other hand, when the check card debit authorization is confirmed (1315a), the financial system 565 generates a predetermined check card debit authorization result including the check card debit authorization (1325a).

Thereafter, the financial system 565 generates a predetermined check card debit processing approval result message including the check card debit processing approval result (1330a), and the generated check card debit through the predetermined financial network 560. The entire process approval result is transmitted to the payment server 500 that transmits the check card debit processing approval request full text (1335a).

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 13b, the financial system 565 which has received the full check card debit processing approval request as shown in FIG. 12 from the payment server 500 provided at the card company (or financial company) through the process as shown in FIG. The authorization request amount, the member account number, and the member branch code are extracted from the check card debit processing approval request text (1300b), and the balance information of the member account is extracted using the member account number and the member branch code (1305b). .

Thereafter, the financial system 565 confirms whether or not the check card debit processing approval corresponding to the full check card debit processing approval request by comparing the approval request amount with the member account balance information (1310b). According to the implementation method, if the balance of the member account is greater than the authorization request amount, and the transfer of the authorization request amount from the member account to the financial account corresponding to the card company account number included in the 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 (1315b), the financial system 565 generates a predetermined check card debit processing approval result including the check card debit processing approval (1320b), and the check card debit processing Generate a full check card debit processing approval result message including the approval result (1325b), and transfer the generated check card debit processing approval message text through the predetermined financial network 560 to the full check card debit processing approval request message. The transmission is transmitted to the payment server 500 (1330b).

On the other hand, if the check card debit authorization is not confirmed (1315b), the financial system 565 is connected to the check card from the DBMS 585 through the member account number (eg, customer account information associated with the check card). Confirm the linked negative account processing contract information (1335b).

If the negative account processing contract information is not confirmed (1340b), the financial system 565 generates a predetermined check card debit processing authorization result including the check card debit rejection (or debit processing error) ( 1345b), generating a predetermined check card debit processing approval result message including the check card debit processing approval result (1325b), and generating the full check card debit processing approval result message through the predetermined financial network 560; The debit card is sent to the payment server 500 that transmits the debit authorization request message (1330b).

On the other hand, when the negative account processing contract information is confirmed (1340b), the financial system 565 processes the check card linked negative account contract processing information stored in association with the negative account processing contract information from the DBMS 585. Extract (1350b), calculate a predetermined negative account processing amount based on the authorization request amount (1455b), and then process a negative deposit (1360b) on the negative account processing amount to the customer account associated with the check card; 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 (1365b), generate a predetermined check card debit authorization result text including the check card debit authorization result (1325b), and generate the generated debit authorization through the predetermined financial network 560. A check card debit processing approval result text is transmitted to the payment server 500 that transmits the check card debit processing approval request text (1330b).

14A and 14B illustrate an operation process of the payment server 500 that receives the full check card debit processing approval result from the financial system 565 according to the method of the present invention.

More specifically, FIG. 14a illustrates an embodiment of a service providing process of a payment server 500 that receives a full check card debit processing approval result through the same process as FIG. 13a from the financial system 565 associated with the check card. FIG. 14B 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. 13B from a financial system 565 associated with the check card. As one embodiment is shown, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 14a and 14b to check according to the present invention during check card payment according to the intention to those skilled in the art. It is possible to infer various service 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 14a and 14b, the payment server 500 is referred to as a "server" for convenience.

Referring to FIG. 14A, the payment server 500 receiving the full check card debit processing approval result through the same process as that of FIG. 13A from the financial system 565 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 (1400a).

If the check card debit processing approval read result of the check card debit processing authorization request is confirmed (1405a), the server generates a predetermined check card payment approval result including the check card debit processing approval result (1410a), As shown in FIG. 16, 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) (1405a), the server uses the card number to store the storage medium ( From step 135, it is checked whether the check card information and the negative account service agreement signing information for the check card payment approval for the check card linked customer account according to the present invention are linked and stored (1415a).

If the check result does not confirm the negative account service contract execution information for the check card payment approval for the check card linked customer account (1420a), the server may include a check card debit processing (or debit processing error) result. Generate a check card payment approval result of (1425a), and performs the procedure of generating a check card payment approval full text as shown in Figure 16 to the payment terminal device 600.

On the other hand, if the check result check account settlement contract information for the check card payment approval for the check card linked customer account (1420a), the server is processed in association with the contract conclusion information stored in the storage medium 135 minus The account service agreement processing information is extracted (1430a), and the negative account service agreement processing for the check card payment approval for the check card linked customer account is performed using the extracted negative account service agreement processing information as shown in FIG.

Referring to FIG. 14B, the payment server 500 receiving the full check card debit processing approval result from the financial system 565 associated with the check card through the same process as that of FIG. 13B, approves the received check card debit processing. The full text of the result is read to confirm whether the debit card is approved (1400b).

If the check card debit processing approval result of the check card debit processing approval is confirmed (1405b), the server generates a predetermined check card payment approval result including the check card debit processing approval result (1410b), As shown in FIG. 16, 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 denied (e.g., the member account balance is smaller than the authorization request amount) (1405b), the server reads the debit authorization result message. Check whether the negative account processing history is included (1415b).

If the entire check card debit authorization result does not include a predetermined negative account processing history (1420b), the server determines a predetermined check card payment approval result including a check card debit denied (or debit error) result. It generates (1425b), and generates a check card payment approval full text as shown in Figure 16 performs the procedure for transmitting to the payment terminal device (600).

If the full check card debit authorization result includes a predetermined negative account processing history (1420b), the server generates a predetermined check card payment approval result including the debit approval result and the negative account processing history. In step 1425b, a check card payment approval message is generated as shown in FIG. 16 and transmitted to the payment terminal device 600.

15 is a diagram illustrating an operation 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. 15 shows the card company (or the card company (or financial company) as shown in FIG. 14A 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 the negative account service for the check card payment approval for the check card linked customer account in accordance with the present invention by calculating the negative account processing amount and the financial system 565 in the payment server 500 provided in the financial institution) As shown in FIG. 1, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15 and check card according to the present invention during check card payment according to the intention to those skilled in the art. Various services for payment server 500 that provides a negative account service for approving check card payments for linked customer accounts Although it is possible to infer a method of providing a switch, the present invention includes all the implementation methods inferred from the above, and the method of providing the service is not limited to that shown in FIG. In the following figure 15, the payment server 500 is referred to as "server" for convenience.

Referring to FIG. 15, when the predetermined negative account processing agreement processing information is confirmed and extracted through the process shown in FIG. 14A, 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 (1500), and a communication channel connection state between the server and the financial system 565 is checked (1505).

If the check result is that the communication channel between the server and the financial system 565 is not connected (e.g., the financial system 565 cuts off the communication channel connection for check card daily settlement) (1510), the server checks quickly. After the communication channel between the server and the financial system 565 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 (1515), 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. 16 and transmitting it to the payment terminal device 600 is performed.

Thereafter, the server periodically checks whether the financial system 565 and the communication channel are connected (1525), and if the communication channel connection between the server and the financial system 565 is confirmed (1530), the server In connection with the financial system 565, the reserved negative account processing amount is negatively deposited to the customer account associated with the check card (1535).

On the other hand, if the communication channel between the server and the financial system 565 is connected as a result of the check (1510), the server is linked to the financial system 565, the calculated negative account processing amount associated with the check card customer A negative deposit request is made to the account (1540) and the financial system 565 interoperates with the negative account processing amount to confirm that the negative deposit procedure is completed to the customer account associated with the check card (1545).

If the process of minus depositing the negative account processing amount to the customer account associated with the check card is completed (1550), the server approves a predetermined check card payment approval including the debit approval result and the minus account processing history. Generate a result (1555), and as shown in Figure 16 performs a procedure for generating a check card payment approval full text to the payment terminal device 600.

FIG. 16 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 16 shows the payment by generating a check card payment approval in the payment server 500 provided a negative account service for the check card payment approval for the check card linked customer account in accordance with the present invention of the check card payment As an embodiment of the method for transmitting to the payment terminal 600 through the network 555, those skilled in the art to which the present invention pertains, those skilled in the art can refer to and / or modify this drawing 16 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. 16, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 16, 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 (1600).

If the check card payment approval result does not include the negative account processing result according to the present invention (1605), the server generates a predetermined check card payment approval full text including the check card debit processing approval result (1610). ).

On the other hand, if the check card payment approval result does not include the negative account processing result according to the present invention (1605), as shown in FIG. 9, the server checks the debit processing approval result according to the present invention and the check card linked customer account according to the present invention. A predetermined check card payment approval message including a negative account processing history for the check card payment approval for the generated is generated (1615).

Thereafter, the server transmits the generated check card payment approval message to the payment terminal device 600 through the payment network 555 (1620), and the payment terminal device 600 is the payment network 555. 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 (1625).

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 (1630), the server includes 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 (1635), and the check is performed on the memory unit 650 provided in the payment terminal device (600). In operation 1640, the card payment approval text (or the check card debit processing authorization result) is stored.

On the other hand, if the check card payment approval message includes a check account payment approval minus account for the check card linked customer account according to the present invention (1630), 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 (1645), 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 (1650).

FIG. 17 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server 500 through a credit settlement associated with an integrated card according to an embodiment of the present invention.

In more detail, FIG. 17 shows that the payment approval request corresponding to the full payment approval request message is processed through credit card payment means associated with the integrated card as a result of applying the card use policy for each merchant shown in FIG. If determined, as an embodiment of the method for processing the payment approval request corresponding to the full payment approval request through the credit card information stored in connection with the integrated card information in the storage medium 135, If one of ordinary skill in the art, with reference to the Figure 17 and / or modified in accordance with the intention to those skilled in the art in the payment server 500, the payment approval request corresponding to the payment approval request full text credit associated with the integrated card It will be possible to infer various implementation methods of credit settlement processing through the card payment means, but the present invention is directed to the implementation method inferred It is not limited by. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 17, as a result of applying the card use policy for each affiliated store shown in FIG. 10, it is determined to process a payment approval request corresponding to the full payment approval request through a credit card payment means associated with the integrated card. In this case, the server extracts the credit card information linked to the integrated card information including the extracted card number from the storage medium 135 (1700) and extracts a predetermined payment amount from the full text of the payment approval request. (1705).

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 1710, 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 (1715), the server determines a predetermined payment including a credit card payment error result using the credit card payment means associated with the integrated card. Generate a full text of approval (1720).

On the other hand, if the payment approval request can approve the credit payment through the credit card payment means (1715), the server performs a credit payment approval procedure for the payment amount through the credit card payment means associated with the integrated card. Perform (1730).

If the credit settlement approval process through the credit card payment means associated with the integrated card is completed (1730), the server completes the payment approval message including the credit card payment details through the credit card associated with the integrated card; Generate (1735), store the credit card payment details through the credit card associated with the integrated card in association with the credit card information associated with the integrated card (1740), and store the generated payment approval message; The payment terminal device 600 is transmitted through the payment network 555 to the payment terminal device 1745. Then, the payment terminal device 600 transmits a credit card through a credit card associated with the integrated card included in the payment approval message. Output the details to the screen output device and / or through the printing device.

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

According to another exemplary embodiment of the present invention, the credit card payment details are stored in association with the integrated card information, so that the payment amount included in the credit card payment details is charged to the customer on the integrated card payment date. It's okay.

18 is a diagram illustrating a process of processing a payment approval request corresponding to a full payment approval request by a payment server 500 in a cash service (or card loan) through a credit card associated with an integrated card according to an embodiment of the present invention. to be.

In more detail, FIG. 18 shows a cash service (or card loan) through a credit card payment means associated with the integrated card, as a result of applying the card use policy for each merchant shown in FIG. If it is determined to process through, the credit card payment associated with the integrated card to the payment approval request corresponding to the full payment approval request through the stored credit card information processed in association with the integrated card information in the storage medium 135 As an exemplary method of processing through a cash service (or card loan) through means, those skilled in the art may refer to and / or modify this drawing 18 and make the payment according to the intention of those skilled in the art. The server 500 transmits a payment approval request corresponding to the full payment approval request message through a credit card payment means associated with the integrated card. Various implementation methods for processing through cash services (or card loans) may be inferred, but the present invention is not limited to the inference methods. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 18, as a result of applying the card use policy for each affiliated store shown in FIG. If it is determined to process through, the server extracts the credit card information associated with the integrated card information including the extracted card number from the storage medium 135 and processed (1800), the predetermined from the payment approval request message Extract the payment amount of (1805).

Thereafter, the server compares the accumulated amount of cash service including the extracted settlement amount with the cash service limit amount (or total limit amount) included in the credit card information stored in the storage medium 135, thereby comparing the settlement amount. In operation 1810, it is possible to process through a cash service (or card loan) through the credit card payment means corresponding to the credit card information.

If the payment approval request cannot be processed through the cash service (or card loan) through the credit card payment means (1815), the server requests the credit card payment means associated with the integrated card to request the integrated card payment approval request. A predetermined payment approval message including a cash service processing error result including failure to process through a cash service (or a card loan) is generated (1820).

On the other hand, if the payment approval request can be processed through a cash service (or card loan) through the credit card payment means (1815), the server processes a predetermined cash service through the credit card payment means associated with the integrated card. Calculate an amount (1825), process the calculated cash service processing amount as a cash service (or card loan) through a credit card payment means associated with the integrated card (1830), and the credit card associated with the integrated card Generate a payment approval message including a cash service processing history through (1835), and store the cash service processing history through the credit card associated with the integrated card in association with the credit card information associated with the integrated card; In operation 1845, the generated payment approval message is transmitted to the payment terminal device 600 through the payment network 555.

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

According to another exemplary embodiment of the present invention, by storing the cash service processing details in association with the integrated card information, the payment amount included in the credit card payment details may be settled to the customer on the integrated card settlement date. .

Thereafter, the payment terminal device 600 receives and reads the payment approval message through the payment network 555, and the credit card payment details associated with the integrated card and the cash service through the credit card. Check whether the processing details are included (1850).

If the payment approval text does not include the credit card payment details and the cash service processing details through the credit card associated with the integrated card (for example, if only the credit card payment details are included) (1855), the payment terminal The device 600 outputs the credit card payment details included in the payment approval document through a screen output device and / or a printing device provided in the payment terminal device 600 (1860), and the payment terminal device 600 The credit card payment details are stored in the memory unit 650 provided in FIG.

On the other hand, if the payment approval message includes the credit card payment details associated with the integrated card and the cash service processing details through the credit card (1855), the server is associated with the integrated card included in the payment approval message. The credit card payment history and the cash service processing history through the credit card are categorized into respective details and output to the screen output device provided in the payment terminal device 600 and / or through a printing device (1870), and the payment terminal device. The memory unit 650 provided at 600 stores the credit card payment details associated with the integrated card and the cash service processing details through the credit card by storage area (or details) (1875).

According to the present invention, an integrated card that can be used as a check card or credit card is issued to a customer, the integrated card and a check card (or virtual check card) previously issued to the customer, and / or credit previously issued to the customer. After the card (or virtual credit card) is linked, the integrated card payment approval request is linked to the integrated card according to the payment merchant information based on the card usage policy for each merchant based on the payment processing using the integrated card. Payment through a virtual check card) or through a credit card (or virtual credit card) associated with the integrated card, thereby providing a card payment service that combines the advantages of a conventional check card and a credit card. have.

Claims (12)

The first card information and the customer second card information, the integrated card information of the first card and the second card and payment authorization request merchant terminal information (or merchant information) in a predetermined information storage means and An information storing step of linking and processing payment card selection condition information for selecting one of the second cards in a predetermined storage medium; An information reading step of reading payment approval request affiliate store terminal information and card information from the payment approval request message in a predetermined information reading means when receiving the payment approval request message using the integrated card; An information checking step of confirming whether there is a first card information and a second card information linked to the read 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 first card information and the second card information linked to the read card information exist, the payment approval request merchant terminal information read from the full payment approval request in a predetermined payment approval processing means (or On the basis of the merchant information confirmed through the merchant terminal information) and the payment card selection condition information, one of the first card and the second card is selected to perform payment approval processing corresponding to the payment approval request. Payment approval processing step; Integrated card payment approval processing method comprising the. The method of claim 1, And an information receiving / entering step of receiving and / or receiving the payment card selection condition information in association with a predetermined terminal in a predetermined information receiving / input means. The method according to claim 1 or 2, When the first card information is credit card information having a credit settlement function, the second card information is characterized in that the check card information or debit card information with the possibility of direct debit using a customer account, When the first card information is a check card information or debit card information having a direct debit payment possible using a customer account, the second card information is credit card information having a credit payment function. Treatment method. The method of claim 1, wherein the first card information and the second card information, Integrated card payment approval processing method characterized in that the virtual card information generated corresponding to the integrated card. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. One of the first card and the second card in response to the customer first card information, the customer second card information, the integrated card information of the first card and the second card, and the merchant approval terminal information (or merchant information) Information storage means for linking and processing payment card selection condition information for selecting a card in a predetermined storage medium; Information reading means for reading payment approval request affiliate store terminal information and card information from the payment approval request message when receiving the payment approval request message using the integrated card; Information checking means for confirming whether first card information and second card information associated with the read card information exist in association with the storage medium (or storage medium operating means); And As a result of the checking, when the first card information and the second card information linked to the read card information exist, the payment approval of the first card information or the second card information so as to meet the payment card selection condition information. A payment approval processing means for processing payment approval corresponding to the payment approval request by using card information corresponding to payment approval request affiliated store terminal information (or merchant information verified through the affiliated store terminal information) read out from the request message; Integrated card payment approval processing system, characterized in that made by. The method of claim 6, 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 6, When the first card information is credit card information having a credit settlement function, the second card information is characterized in that the check card information or debit card information with the possibility of direct debit using a customer account, When the first card information is a check card information or debit card information having a direct debit payment possible using a customer account, the second card information is credit card information having a credit payment function. Processing system. The method of claim 6, wherein each of the means, On a single server, or Integrated card payment approval processing system, characterized in that provided in a plurality of servers. An information storage unit for linking the first customer card information, the second customer card information, and the integrated card information of the first card and the second card to a predetermined storage medium; An information reading unit for reading payment approval request affiliate store terminal information and card information from the payment approval request message when receiving the payment approval request message using the integrated card; An information checking unit which checks whether the first card information and the second card information linked to the read card information exist in association with the storage medium (or storage medium operating means); And As a result of the checking, when the first card information and the second card information linked to the read card information exist, the payment approval request merchant terminal information read from the full payment approval request message (or confirmed through the merchant terminal information) Approved integrated card payment characterized in that it comprises; a payment approval processing unit for processing the payment approval corresponding to the payment approval request by selecting any one of the first card or the second card corresponding to the merchant information) Processing unit. The method of claim 10, wherein the payment approval processing device, Consists of a single server, or Integrated card 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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