KR20070072815A - Method and system for processing admission of payment of united card, 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, and a payment approval processing device and a recording medium thereof are provided to process the payment approval of the integrated card by using the first or second card information according to a payment amount based on payment card selection information of a member shop. An information storing part stores the payment card selection information for selecting the first or second card information according to the payment amount to a storage medium(135). An information reader(510) reads the card information and payment amount 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 integrated card is found in the storage medium. A payment approval processor processes the payment approval by selecting the first or second card information according to the payment card selection information if the first and second card information linked with the integrated card is found.

Description

Method and system for integrated card payment approval, and payment approval processing device and recording medium therefor {Method and System for Processing Admission of Payment of United Card, Devices for Processing Admission of Payment and Recording Medium}

1 is a block diagram of an information registration system configured to process a payment by replacing (or converting) the card payment with a credit card / check card associated with the card according to a payment amount in a card issuing process according to an embodiment of the present invention. Drawing.

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 the payment amount size in the process of issuing an integrated card according to the method of the present invention. Is a diagram illustrating an information registration process for payment processing.

3 is an information registration system configured to replace (or convert) the integrated card payment with a check card / credit card associated with the integrated card according to a payment amount after issuing an integrated card according to an embodiment of the present invention. Figure is shown.

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 the payment amount size after issuing an integrated card according to an embodiment 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 a payment amount size 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 usage policy for each payment amount 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

According to the present invention, the first card and the second card correspond 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 authorization request amount in a predetermined information storage means. The payment card selection condition information for selecting one of the cards is linked and stored in a predetermined storage medium, and upon receipt of the payment approval request message using the integrated card, the payment approval request message is received from a predetermined information reading means. Read the payment approval request amount information and card information, and in connection with the storage medium (or storage medium operating means) in a predetermined information confirming means, the first card information and the second card information linked to the read card information Is confirmed, and if the first card information and second card information linked to the read card information exist, the predetermined payment win After the processing means compares the amount of the payment approval request amount read from the full payment approval request with the amount of money to select one of the first card and the second card included in the payment card selection condition information, An integrated card payment approval processing method and system and a payment approval processing device therefor, characterized in that the payment approval processing for payment approval processing using a card that meets the payment card selection conditions of the first card and the second card. To provide a recording medium.

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 customer second card information, integrated card information of the first card and the second card and payment authorization request amount in a predetermined information storage means When the payment card selection condition information for selecting one of the first card and the second card according to the size is linked and stored in a predetermined storage medium, and upon receiving the full payment approval request using the integrated card, Read payment approval request amount information and card information from the full text of the payment approval request in a predetermined information reading means, and in connection with the storage medium (or storage medium operating means) in a predetermined information checking means, the read card information and Check whether the first card information and the second card information which have been processed cooperatively exist; Information and the second card information, the first card and the second card included in the payment approval request amount amount read out from the full payment approval request in the predetermined payment approval processing means and the payment card selection condition information After comparing the amount of money to select one of the cards, and the payment approval process to process the payment approval process using a card that meets the payment card selection conditions of the first card and the second card, Based on the integrated card payment approval processing method and system that combines the advantages of the conventional check card and credit card, and the payment approval processing device, recording medium for this purpose.

In the present invention, the integrated card payment approval processing method 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 authorization request amount 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; An information reading step of reading payment approval request amount information and card information from the payment approval request message in a predetermined information reading means when receiving a 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 when the first card information and the second card information linked to the read card information exist, the payment approval request amount read out from the full text of the payment approval request in a predetermined payment approval processing means. After comparing the amount of money to select one of the first card and the second card included in the payment card selection condition information, and meets the payment card selection conditions of the first card and the second card It is characterized in that it comprises a; payment approval processing step of performing a payment approval process using a card.

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 authorization processing system corresponds to the first card information and the first card information, the customer second card information, the integrated card information of the first card and the second card and the payment authorization request amount size. Information storage means for linking and processing payment card selection condition information for selecting one of the two cards in a predetermined storage medium; Information reading means for reading payment approval request amount 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 if the first card information and the second card information cooperatively processed with the read card information exist, the card meeting the payment card selection condition information among the first card information and the second card information. And payment approval processing means for processing payment approval for the payment approval request amount read from the full payment approval request message.

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, and the present invention is not limited thereto.

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 reading the payment approval request amount information and the 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 first card or the first card corresponding to the size of the payment approval request amount read from the full text of the payment approval request. And a payment approval processing unit for processing any payment approval corresponding to the payment approval request by selecting any one of two cards.

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 settled. It is called the card usage policy information by amount.

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 block diagram of an information registration system configured to process a payment by replacing (or converting) the card payment with a credit card / check card associated with the card according to a payment amount in a card issuing process according to an embodiment of the present invention. Drawing.

In more detail, Figure 1 is a card (or financial company) is issued to a predetermined customer credit card or check card according to the payment amount according to the amount of payment (hereinafter referred to as "integrated card") when issuing, The integrated card information issued to the customer, the check card information corresponding to the check card and / or the predetermined virtual check card previously issued to the customer, and the credit card and / or the 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 payment amount size, or the payment is processed to the customer. Link card processing policy information by payment amount to be replaced (or converted) with a pre-issued credit card and / or a predetermined virtual credit card for payment processing. As an implementation method for storing the information registration system to be stored, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 so as not to violate the core technical matters of the present invention. When a predetermined card company (or financial company) is issued to a predetermined customer in a range, a check card and / or a predetermined virtual check card that is pre-issued to the customer according to the amount of the payment amount is settled using the issued integrated card. Easy to implement a variety of methods for the information registration system to replace (or switch) to the payment process, or to replace (or convert) the customer with a pre-issued credit card and / or a predetermined virtual credit card for payment processing. It may be inferred, but the present invention refers to the system configuration shown in FIG. 1 and / or to a part of the system configuration. It is apparent that the present invention is not limited by the respective implementation methods which are modified.

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 through a communication network (or network) that connects the information registration server (or device) 100 by communication It transmits to the information registration server (or device) 100.

In the offline information registration process, if the information registration server (or device) 100 is an information input device for issuing an unmanned card such as a kiosk, the customer may use a predetermined information registration interface means 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 may be made to include at least one, by which the present invention is not limited.

Referring to FIG. 1, the information registration server (or device) 100 basically includes a function configuration (not shown) for card issuance and information registration, and the settlement amount size is settled using the issued integrated card. By replacing (or converting) a check card and / or a predetermined virtual check card pre-issued to the customer according to the payment process, or by replacing (or converting) a pre-issued credit card and / or a predetermined virtual credit card In order to process the payment, predetermined integrated card issuing application information, and / or check card registration information and / or virtual check card issuing application information previously issued to the customer through the information registration interface means 160, and / or Through the information receiving unit 105 for receiving the credit card registration information and / or virtual credit card issuing application information previously issued to the customer, and through the information registration interface means 160 Check whether 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 card issuing application information have been received by the information receiving unit 105. Generate the integrated card information corresponding to the information verification unit 110 and the integrated card issuing application information, and the application of the predetermined virtual check card issued to the information receiving unit 105 as a result of the confirmation of the information checking 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; As a result of the check 110, when the check card registration information previously issued to the customer is received by the information receiving unit 105, the check card previously issued to the customer is confirmed, and / or the credit previously issued to the customer. When the 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 is stored in a predetermined storage medium 135. Storing and, when predetermined virtual check card information and / or virtual credit card information is generated through the information generating unit 115, the integrated card information and the virtual check card information and / or virtual credit card information are cooperatively processed. The storage card 135 or the check card and / or credit card pre-issued to the customer through the card checker 120, the integrated card information and the pre-issued card. And an information storage unit 125 for linking and storing card information and / or pre-issued credit card information. The information receiving unit 105 sends the information to the information receiving unit 105 through the information registration interface unit 160. 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 to the customer according to the payment amount. Check card and / or virtual check card previously issued to the customer according to the amount of payment received, and / or payment using the integrated card from the predetermined policy information D / B 150 according to the amount of payment Credit card usage policy information is extracted for each payment amount to be replaced (or converted) with a pre-issued credit card and / or virtual credit card. In this case, 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 by the payment amount card. It is characterized by storing in association with the usage policy information.

Referring to FIG. 1 according to an embodiment of the present invention, the 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 that is processed and stored in association with the payment amount of the card use policy 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 DB server 130 is a check card D / B (140) for storing the check card information and customer information pre-issued to the customer in association with the customer, and pre-issued to the customer Credit card D / B 145 for storing and processing credit card information and customer information, and pre-issued check card and / or virtual check card, or pre-issued payment according to the payment amount size using the integrated card Managing the policy information D / B 150 that stores at least one card usage policy including card usage policy information for each payment amount, which is replaced (or converted) with a credit card and / or a virtual credit card that is used for payment processing. desirable.

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 checks the pre-issued check associated with the integrated card according to the payment amount of the 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 card and / or a virtual check card, or a pre-issued credit card and / or a virtual credit card, and / Or receiving a pre-issued credit card information and / or virtual credit card information, and / or making a payment using the integrated card from the integrated card issuing customer according to the amount of payment amount pre-issued to the customer. Card usage information by payment amount that allows payment processing by replacing (or converting) with a virtual check card or pre-issued credit card and / or virtual credit card. Receive book information or pre-issue payment to the customer according to the payment amount size using the integrated card from the policy information D / B 150 managed by a predetermined DBMS 130 and / or DB server 130 The card usage policy information for each payment amount may be extracted so as to replace (or convert) the payment with a check card and / or a virtual check card or a pre-issued credit card and / or a virtual credit card.

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 The customer may replace (or convert) a 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 the payment amount size to process the payment. Check card registration information and / or virtual check card issuance application information pre-issued, and / or credit card registration information and / or virtual credit card issuance application information pre-issued, and in this case, the information verification unit ( 110 is a check card registration information and / or a virtual check card issuing pre-issued to the customer through the information registration interface means 160 Confirm that the request information and / or the pre-issued credit card registration information and / or the virtual credit card issuance application information have been received. Thereafter, the information registration server (or device) 100 pre-issued check issued to the customer according to the payment amount size from the integrated card issuing customer using the integrated card through the system configuration as shown in FIG. 3. Receive card usage policy information for each payment amount to replace (or convert) a 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 / or Or check card and / or virtual check card pre-issued to the customer according to the payment amount size from the policy information D / B 150 managed by DB server 130 according to the payment amount size, or pre-issued credit The card usage policy information for each payment amount may be extracted to replace (or convert) the 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 The customer may replace (or convert) a 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 the payment amount size to process the payment. Check card registration information and / or virtual check card issuance application information, and / or pre-issued credit card registration information and / or virtual credit card issuance application information, and payment using the integrated card to the payment amount size According to the customer's pre-issued check card and / or virtual check card, or pre-issued credit card and / or virtual credit card ( Or conversion) to receive payment card usage policy information for each payment amount, and in this case, the information checking unit 110 pre-issued check card registration information to the customer through the information registration interface means 160. And / or the virtual check card issuing 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 payment amount 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 check 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 Or check card payment means information), and when the integrated card issuing application information is received with the check card registration information pre-issued to the customer, the information checking unit 110 is the customer. By providing the check card registration information previously issued to the card check unit 120, the card check unit 120 Based on the large card registration information to confirm the check card issued to the customer line.

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, the payment using the integrated card is linked with the integrated card according to the payment amount size. And the information for issuing to the customer a virtual check card required for the payment processing by replacing (or converting) the old check card, and the virtual check card issuing application information in the integrated card issuing application information. Is received, the information check unit 110 is the virtual checker By providing the application information issued by the information generation unit 115, and to generate a predetermined check virtual 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 a payment amount size, and a check card is issued 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 confirming unit 110 associates the payment using the integrated card to the integrated card issuance application information received from the manager terminal and / or the client terminal through the information receiving unit 105 according to the payment amount size. The pre-issued check card registration and / or hypothetical information issued to the customer for payment processing by replacing (or converting) with a pre-issued check card and / or virtual check card, or a pre-issued credit card and / or virtual credit card. Check card issuing 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 application information is received with the credit card registration information pre-issued to the customer, the information checking unit 110 is the customer By providing the credit card registration information previously issued to the card check unit 120, the card check unit 120 in the Based on the registration card for information to verify your credit card issued to the customer information line.

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 issuing integrated card, the payment using the integrated card is linked with the integrated card according to the payment amount size. And the information for issuing a virtual credit card required for the payment processing by replacing (or converting) the credit card to the customer, wherein the virtual credit card issuing application information is included in the integrated card issuing application information. Is received, the information check unit 110 is the virtual credit car By providing the application information issued by the information generation unit 115, and to generate 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 the payment amount size, and is issued according to a conventional physical credit card issuing procedure defined at the card company (or financial company), but a physical card is produced and It is desirable not to ship (or provide) 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. The virtual credit card information corresponding to the virtual credit card issuing application information is generated when the virtual credit card information is issued to the customer by the card company (or financial company). For example, information included in the card, such as a credit card number, expiration date, and issuer name, customer information (for example, customer name, social security number, address, contact information, etc.) of the credit card issuing member, and the credit card operation information (for example, Credit card credit limit, cash service limit amount, total limit amount, points accumulation and payment policy, additional service information, etc.) Or it comprises more.

The 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 with a predetermined customer account associated with the check card), 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. Characterized by checking whether there is a credit card issued, if there is a credit card previously issued to the customer, the credit card D / B (1 45) to extract the credit card information previously issued to the customer.

According to an embodiment of the present invention, the credit card D / B 145 may include at least one credit card information previously issued to the customer, the credit card customer information, and / or the credit card operation information (not shown). Characterized in that it is linked to the processing, the credit card information is preferably made to include the card information (for example, credit card number, expiration date, customer name, etc.) stored in the credit card previously issued to the customer, Preferably, the credit card customer information includes personal information including the name, resident registration number, address, and contact information of the credit card issuing customer. Limit amount information including amount and / or cash service limit amount and / or total limit amount, and the credit card payment details, etc. It is made by also being preferred.

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 The credit card information and / or the predetermined virtual credit card information, and / or the payment using the integrated card, previously issued to the customer in the integrated card information stored in the 135, is set to the payment amount size. Accordingly, the card usage policy information for each payment amount, which is replaced (or converted) with a credit card and / or a predetermined virtual credit card previously issued to the customer, may be linked and stored.

In addition, the information generating unit 115 replaces (or switches) 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 payment amount size. When predetermined virtual check card information is generated for payment processing (for example, when the integrated card issuance request information and predetermined virtual check card issuance request information are received by the information receiving unit 105), the information is provided. The storage unit 125 stores the stored integrated card information and the virtual check card information in the storage medium 135 by interworking and then stores the storage medium 135 through a system configuration as shown in FIG. Check card and / or previously issued to the customer according to the payment amount size for the payment using the integrated card to the integrated card information and virtual check card information stored in A payment card geumaekbyeol 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 issuance application information is generated by the information generating unit 115, the check 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 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. The integrated card information and the virtual check stored in the storage medium 135 are then stored through the system configuration as shown in FIG. Payment processing is performed by replacing (or converting) the payment using the integrated card in the card information with a check card and / or a predetermined virtual check card previously issued to the customer according to the payment amount size. Card usage policy information for each payment amount may be further linked and stored.

In addition, the information generating unit 115 replaces (or converts) the integrated card information corresponding to the integrated card issuance application information and the payment using the integrated card with the credit card associated with the integrated card according to the payment amount size. When predetermined virtual credit card information is generated for payment processing (for example, when the integrated card issuance request information and predetermined virtual credit card issuance request information are received by the information receiving unit 105), the information is provided. The storage unit 125 may process the generated integrated card information and the virtual credit card information in association with the storage medium 135 and store the result in the storage medium 135. The credit card and / or the card previously issued to the customer according to the payment amount size for the payment using the integrated card in the integrated card information and virtual credit card information stored in A payment card geumaekbyeol using policy information used for payment processing to replace (or switch) to a predetermined virtual credit card to 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. Payment processing is performed by replacing (or converting) the payment using the integrated card with the credit card and / or the predetermined virtual credit card previously issued to the customer according to the amount of the payment amount in the information. Card usage policy information for each payment amount may be further linked and stored.

According to an embodiment of the present invention, the card usage policy information for each payment amount is based on the payment amount information included in the payment approval request message received from the payment terminal device 600 or 600 to the payment server 500 or 500. Accordingly, the payment processing using the integrated card payment means is settled through the check card associated with the integrated card, or the payment processing using the integrated card payment means is settled through the check card associated with the integrated card. It is preferable that the policy information is included. For example, the card usage policy information according to the payment amount is such that when the payment amount is more than 30,000 won, the integrated card payment processing through the credit card associated with the integrated card, and when the payment amount is less than 30,000 won, the integrated card The payment information may include policy information for processing payment through a check card associated with the integrated card.

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 the payment amount size in the process of issuing an integrated card according to the method 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 predetermined card company (or financial company) to a predetermined customer, the predetermined card company (or financial company) pays to a predetermined customer. When issuing an integrated card that can process payment by credit card or check card according to the amount of money, the check card corresponding to the integrated card information issued to the customer, the check card pre-issued to the customer and / or a predetermined virtual check card. Information, credit card information corresponding to a 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 the amount of payment for the payment using the integrated card. Replace (or switch) a predetermined virtual check card to process payment, or a credit card and / or a predetermined virtual credit card pre-issued to the customer ( Or an embodiment of an information registration process for linking and storing card usage policy information for each payment amount to be settled, and more specifically, FIG. 2A shows the integrated card information issued to the customer and the customer. The present invention relates to a method for performing registration by linking issued check card information and card usage policy information for each payment amount, and FIG. 2B illustrates the integrated card information issued to the customer and a predetermined virtual check associated with the integrated card. The embodiment of the present invention relates to a method of registering and registering card information and card usage policy information for each payment amount, and FIG. 2C shows the integrated card information issued to the customer, credit card information previously issued to the customer, and the payment. It relates to an implementation method of registering by linking the card usage policy information for each amount, Figure 2b The integrated card information issued to the customer, the predetermined virtual credit card information associated with the check card, and the card usage policy information for each payment amount associated with the implementation method for registering.

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 amount of payment, or a payment is processed (or converted) with a credit card associated with the integrated card. It will be able to easily infer various implementation methods for payment processing by referring to the information registration method shown in Figures 2a, 2b, 2c and 2d and / or by modifying a part of the information registration method It is to be clearly understood 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 unit 160 and / or makes a payment using the integrated card according to the payment amount size. Subsequently, the customer applies for a service for replacing (or converting) the integrated card with a check card / credit card for payment processing by replacing (or converting) the check card with a pre-issued check card (200a). The customer uses the information registration interface means 160 to the server through the integrated card issuing application information and check card registration information previously issued to the customer and / or payment using the integrated card according to the payment amount size. The card usage policy information for each payment amount is transmitted to replace (or convert) the check card previously issued to the user (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 for processing a payment by replacing (or converting) the integrated card with a check card / credit card for each payment amount to replace (or convert) the payment with a check card pre-issued to the customer according to the payment amount size. 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 payment amount previously 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 at least 14 years old or older. It is preferable that the server can 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 customer is not issued the integrated card (215a), the server generates 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 process (225a).

During the card issuing procedure as described above, and / or after the card issuing procedure, the server makes a payment using the integrated card from the customer through the information registration interface means 160. To apply for a service for processing payment by replacing (or converting) the integrated card with a check card / credit card for each payment amount to allow the customer to process the payment by replacing (or converting) the card with a previously issued check card according to the amount of money. 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 to apply for a service for payment processing by replacing (or converting) the integrated card with a check card / credit card for each payment amount (235a), The server stores the predetermined integrated card information generated in the process of performing the card issuing procedure in 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 payment amount from the customer Is 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 it, from the customer through the information registration interface means 160. By receiving predetermined virtual check card issuing application information, a procedure of issuing a virtual check card associated with the integrated card to the customer may be performed (see FIG. 2B), whereby the present invention is not limited thereto.

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 payment amount (235a), the server Checks whether there is a check card pre-issued to the integrated card issuing customer based on 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) ( 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 use policy information for each payment amount are stored in association with each other (260a).

According to an exemplary embodiment of the present invention, the card usage policy information for each payment amount may be received from the customer through the information registration interface means 160 as shown in FIG. 2A, in which case the server may be integrated. Preferably, the card information and the check card information previously issued to the customer are linked to each other and the card usage policy information for each payment amount is stored.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface 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 payment amount of the integrated card information and the 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 card usage policy information for each payment amount 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 card usage policy information for the extracted payment amount. The server preferably stores the integrated card information and the check card information pre-issued to the customer by linking and processing the card usage policy information for each payment amount extracted and / or modified (or modified).

Referring to FIG. 2B, a customer applying for issuance of a predetermined integrated card requests for issuance of a predetermined integrated card through a predetermined information registration interface means 160, and / or makes a payment using the integrated card according to the payment amount size. Substitute (or convert) 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 payment amount (200b) To this end, the customer may make a payment using the integrated card issuance request information and predetermined virtual check 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. According to the amount of payment, the amount of payment to replace (or convert) a predetermined virtual check card associated with the integrated card to process the payment The 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 Replace (or convert) the integrated card with a check card / credit card for each payment amount to replace (or convert) the payment with a predetermined virtual check card associated with the integrated card according to the payment amount size. The service can be applied at the same time, thereby the present invention is not limited.

As described above, through the information registration interface means 160 receives the integrated card issuing application information and / or predetermined virtual check card issuing application information to be associated with the integrated card and / or card usage policy information for each payment amount through the information registration interface means 160 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 transmits the payment using the integrated card from the customer to the payment amount size through the information registration interface means 160. Accordingly, to apply for a service for processing a payment by replacing (or converting) the integrated card with a check card / credit card for each payment amount to be replaced (or converted) with a predetermined virtual check card associated with the integrated card. Check whether the predetermined virtual check card issuing application information is received (230b).

If the request information for issuing the virtual check card issuance to be associated with the integrated card has not been received from the customer in order to apply for a service of replacing (or converting) the integrated card with a check card / credit card for each payment amount ( 235b), the server stores predetermined integrated card information generated in the process of performing the card issuing procedure in the storage medium 135 (240b), and ends the process of issuing the integrated card to the customer.

According to another exemplary embodiment of the present invention, a predetermined virtual check to be associated with the integrated card in order to apply for a service for payment processing by replacing (or converting) the integrated card with a check card / credit card for each payment amount from the customer If the card issuing application information is not received, the server selects 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 issued check card exists, and if the pre-issued check card exists, the pre-issued check card information is extracted and provided to the customer through the information registration interface means 160 and the integrated card. Request a check card associated with the client, and if the customer selects the check card, the information registration interface number Through 160 to perform the step of processing associated with the new integrated card receives the check card information from the customer, and (see figure 2a), to which the present invention is not limited.

On the other hand, if a request for issuing predetermined virtual check card issuance information to be associated with the integrated card has been received from the customer in order to apply for a service for replacing (or converting) the integrated card with a check card / credit card for each payment amount (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 payment amount are stored in association (260b).

According to one embodiment of the present invention, the card usage policy information for each payment amount may be received from the customer through the information registration interface means 160, as shown in FIG. Preferably, the card information and the virtual check card information are stored by linking the received card use policy information for each payment amount.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface 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 integrated card information and the virtual check card information card extraction policy information for each extracted payment amount It is preferable to store by linking.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface 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 card usage policy information for the extracted payment amount. The server preferably stores the integrated card information and the virtual check card information by cooperatively processing the card usage policy information for each payment amount that has been extracted and / or changed (or modified).

Referring to FIG. 2C, a customer applying for issuance of a predetermined integrated card requests for issuing a predetermined integrated card through a predetermined information registration interface means 160, and / or makes a payment using the integrated card according to the amount of payment. Subsequently, the customer applies for a service for replacing (or converting) the integrated card with a check card / credit card to process a payment for each payment amount for the customer to replace (or convert) the credit card with a preissued credit card (200c). The customer uses the information registration interface means 160 to the server through the integrated card issuing application information and credit card registration information previously issued to the customer and / or payment using the integrated card according to the payment amount size. The card usage policy information for each payment amount to be replaced (or converted) with a pre-issued credit card is transmitted to the user (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. A service for processing a payment by replacing (or converting) the integrated card with a check card / credit card for each payment amount to replace (or convert) payment with a credit card previously issued to the customer according to the payment amount size. 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 issuance application information and / or credit card registration information and / or the card usage policy information for each payment amount from 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 (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 makes a payment using the integrated card from the customer through the information registration interface means 160. To apply for a service for processing a payment by replacing (or converting) the integrated card with a check card / credit card for each payment amount to allow the customer to replace (or convert) the credit card with a preissued credit card according to the amount of the amount. 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 payment amount (235c), The server stores the 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 to apply for a service for processing payment by replacing (or converting) the integrated card with a check card / credit card for each payment amount from the customer Is 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 it, the server requests information from the customer through the information registration interface means 160. By receiving predetermined virtual credit card issuing application information, a procedure of issuing a virtual credit card associated with the integrated card to the customer may be performed (see FIG. 2D), whereby the present invention is not limited thereto.

On the other hand, if the credit card registration information previously issued to the customer has been received to apply for a payment processing service by replacing (or converting) the integrated card with a check card / credit card for each payment amount (235c), the server Check whether the pre-issued credit card exists to the integrated card issuing customer based on the customer information included in the integrated card issuing application information (or the customer information included in the credit card registration information pre-issued to the 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 payment amount are linked and stored (260c).

According to an exemplary embodiment of the present invention, the card usage policy information for each payment amount may be received from the customer through the information registration interface means 160 as shown in FIG. 2C, in which case the server may be integrated. It is preferable to store card information and credit card information previously issued to the customer by linking the received card usage policy information for each payment amount.

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface 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 payment amount of the integrated card information and credit 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 card usage policy information for each payment amount 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 card usage policy information for the extracted payment amount. 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 payment amount extracted and / or modified (or modified).

Referring to FIG. 2D, a customer applying for issuance of a predetermined integrated card requests for issuance of a predetermined integrated card through a predetermined information registration interface means 160, and / or makes a payment using the integrated card according to the payment amount size. Substituting (or converting) a predetermined virtual credit card associated with a unified card to apply for a payment processing by replacing (or converting) the unified card with a check card / credit card for each payment amount (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. According to the amount of payment, the amount of payment to replace (or convert) a predetermined virtual credit card associated with the integrated card to process the payment Transmits a De using policy information (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 payment amount to process the payment by replacing (or converting) the predetermined virtual credit card associated with the integrated card according to the payment amount size You can apply for the service at the same time, and this invention is not limited.

As described above, through the information registration interface unit 160, the integrated card issuing application information and / or predetermined virtual credit card issuing application information to be associated with the integrated card and / or the card usage policy information for each payment amount are received from the customer. 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 makes a payment using the integrated card from the customer through the information registration interface means 160. Services for processing payment by replacing (or converting) the integrated card with a check card / credit card for each payment amount to be replaced (or converted) with a predetermined virtual credit card associated with the integrated card according to the amount of money. In operation 230d, it is determined whether the predetermined virtual credit card issuing application information for application is received.

If the virtual credit card issuing application information to be associated with the integrated card has not been received from the customer 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 payment amount ( 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 ends the process of issuing the integrated card to the customer.

According to another embodiment of the present invention, a predetermined virtual credit to be associated with the integrated card in order to apply for a service for payment processing by replacing (or converting) the integrated card with a check card / credit card for each payment amount from the customer If the card issuing application information is not received, the server selects from the credit card D / B 145 to the customer by using the customer information included in the integrated card issuing application information (or virtual credit card issuing application information). Check whether the issued credit card exists, and if the credit card is pre-issued to the customer, extract the pre-issued credit card information and provide it to the customer through the information registration interface means 160 and the integrated card. Request a credit card associated with the card, and if the customer selects the credit card, the number of information registration interfaces Receiving the credit card information from the customer through the stage 160 may be performed in conjunction with the integrated card process (see Figure 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 is received from the customer in order to apply for a service for replacing (or converting) the integrated card with a check card / credit card for each payment amount (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 offer and the integrated card through the information registration interface means 160, and when the customer selects the credit card, the information registration interface means 160 Through the process of receiving the credit card information from the customer and the integrated card and the integrated process (see Figure 2c) ), To which the present 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 issuance procedure) (255d), and the integrated card information, the virtual credit card information, and the card usage policy information for each payment amount are stored in association (260d).

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

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

According to another exemplary embodiment of the present invention, the card usage policy information for each payment amount is not received from the customer through the information registration interface 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 card usage policy information for the extracted payment amount. The server preferably stores the integrated card information and the virtual credit card information by cooperatively processing the card usage policy information for each payment amount that has been extracted and / or changed (or modified).

3 is an information registration system configured to replace (or convert) the integrated card payment with a check card / credit card associated with the integrated card according to a payment amount after issuing an integrated card according to an embodiment of the present invention. Figure is shown.

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 according to the amount of payment amount of the integrated card The check card information previously issued to the customer, the check card previously issued to the customer and / or the predetermined virtual check card in order to be replaced (or converted) with a check card or credit card associated with the customer Check card information, credit card information corresponding to a credit card and / or a predetermined virtual credit card previously issued to the customer, and a credit card previously issued to the customer according to the amount of payment for the payment using the integrated card. And / or link card processing policy information for each payment amount to substitute (or convert) a predetermined virtual credit card to process payment. The chapter shows the information registration system configuration.

If one of ordinary skill in the art to which the present invention belongs, the integrated card payment after the integration card is issued in accordance with the amount of payment amount within the scope of not violating the core technical matters of the present invention with reference to this figure 3 Various implementation methods may be easily inferred to replace (or convert) a check card or credit card associated with a card to process payment, and refer to the system configuration shown in FIG. 3 and / or a part of the system configuration. It will be apparent that the present invention is not limited by each method of implementation by modifying.

Customers who have been issued a predetermined integrated card through the card issuing system shown in FIG. 1 apply for a service for replacing (or converting) the integrated card with a check card / credit card for each payment amount according to the present invention. To connect to the information registration server (or device) 100 provided in the card company (or financial company) through the network 305 and / or communication means 305 to use a predetermined customer terminal 300, The customer 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 Or a wireless terminal including at least one or more IEEE 802.16 based portable Internet terminals.

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 registration to replace (or convert) payment by credit card with a pre-issued check card and / or virtual check card or a pre-issued credit card and / or virtual credit card according to the amount of payment An interface control unit 310 which provides an 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 information pre-issued. And / or a check card and / or a virtual check card pre-issued to the customer according to the virtual credit card issuing application information, and / or the payment using the integrated card according to the payment amount size; or An information receiving unit 105 for receiving card use policy information for each payment amount to be replaced (or converted) with a pre-issued credit card and / or a virtual credit card, and issued to the customer by the information receiving unit 105 in advance. When the received check card registration information is received, the check card information corresponding to the check card registration information previously issued to the customer from the predetermined check card D / B 140 is checked and extracted, and the information receiving unit 105 When the credit card registration information previously issued to the customer is received, the card check confirms and extracts the credit card information corresponding to the credit card registration information previously issued to the customer from a predetermined credit card D / B 145. When the virtual check card issuing application information is received by the unit 120 and the information receiving unit 105, the virtual check card information corresponding to the virtual check card issuing application information is generated. And, if the predetermined virtual credit card issuing application information is received by the information receiving unit 105, the information generating unit 115 for generating virtual credit card information corresponding to the virtual credit card issuing application information, and 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 the predetermined information is generated through the information generator 115. When the virtual check card information of the generated, the integrated card information and the virtual check card information is processed in association with the storage medium 135, or credit previously issued to the customer through the card check unit 120 When the card is confirmed, the integrated card information and the pre-issued credit card information are linked and stored, or predetermined virtual credit card information is provided through the information generating unit 115. Is generated, characterized in that it comprises an information storage unit 125 for storing the information on the storage medium 135 by linking the integrated card information and the virtual credit card information, the information receiving unit 105 Receive credit card use policy information for each payment amount for replacing (or converting) a payment using an integrated card with a credit card and / or a predetermined virtual credit card previously issued to the customer according to the payment amount size, and / or Or check card and / or virtual check card pre-issued to the customer, or pre-issued credit card and / or virtual credit, according to the payment amount size from the predetermined policy information D / B 150, using the integrated card. When the card usage policy information for each payment amount is extracted to replace (or convert) the card and process the payment, the information storage unit 125 may include the integrated card information. The virtual check card information or the virtual credit card information is stored in connection with the card use policy information for each payment amount, or the integrated card information and the pre-issued check card information or credit card information are used for the card use policy information for each payment amount. It is characterized by storing in association with the processing.

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

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 settle payment using the integrated card. A user interface for replacing (or converting) with a pre-issued credit card and / or a predetermined virtual credit card according to the size to process a payment, and / or providing the output to the customer terminal 300 for output. A predetermined information registration interface may be provided to the customer terminal 300 through a predetermined network 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.

The information registration interface may replace (or replace) 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 the payment amount size. And a user interface for inputting (or selecting) card usage policy information for each payment amount to be settled). The user who inputs (or selects) card usage policy information for each payment amount according to the intention of a person skilled in the art. The interface may be omitted, and in this case, the information registration server (or device) 100 for each payment amount from the policy information D / B 150 managed by a predetermined DBMS 130 and / or DB server 130. It is possible to extract 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. The card usage policy information for each payment amount may be provided to the customer terminal 300. In this case, the customer terminal 300 may change (or modify) the card usage policy information for each payment amount.

The information receiving unit 105 issues (or converts) the payment using the integrated card from the customer terminal 300 to a check card associated with the credit card in advance according to the payment amount size to issue the payment to the customer. Characterized in that it receives the check card registration information and / or the 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 Extracting the card usage policy information for each payment amount by replacing (or converting) the payment using the integrated card with a check card and / or a predetermined virtual check card previously issued to the customer according to the payment amount size. desirable.

In addition, the information receiving unit 105 replaces (or converts) the payment using the integrated card from the customer terminal 300 to the check card associated with the credit card according to the payment amount size to the customer to process the payment. The pre-issued check card registration information and / or the predetermined virtual check card issuance application information and the payment using the integrated card are replaced with the pre-issued check card and / or the predetermined virtual check card to the customer according to the payment amount size. (Or convert) the card usage policy information for each payment amount to be processed for payment.

In addition, the information receiving unit 105 replaces (or converts) the payment using the integrated card from the customer terminal 300 with the credit card associated with the integrated card according to the payment amount size to the customer to process the payment. Receive the pre-issued credit card registration information and / or the predetermined virtual credit card issuance application information, in this case, the policy information D / B (managed by the DBMS 130 and / or DB server 130 ( 150 to extract the card usage policy information for each payment amount 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 the payment amount size. 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 credit card associated with the integrated card according to the payment amount size to the customer to process the payment. Pre-issued credit card registration information and / or predetermined virtual credit card issuance application information and payment using the integrated card are replaced with a pre-issued credit card and / or a predetermined virtual credit card according to the payment amount size. (Or convert) the card usage policy information for each payment amount to be processed for payment.

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. 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 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.

When it is confirmed that the integrated card issuance request information received by the information receiving unit 105 includes the credit card registration information previously issued to the customer, the card verification unit 120 is the integrated card issuance request 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 (eg, check card number, expiration date, issuer name, etc.) corresponding to the check card issued to the customer by the card company (or financial company). Information contained therein, predetermined member account information associated with the check card (e.g., a member bank code, member account number, member branch code, etc., in which a predetermined customer account associated with the check card is opened), and The customer information (eg, customer name, social security number, address, contact information, etc.) of the member who issued the check card and the check card operation information (eg, within the balance of the deposit balance) Amounts, points earned and paid policy, additional service information, etc.), etc. comprises at least one.

When 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 information pre-issued to the customer and / or predetermined virtual check card information, and / or payment using the integrated card according to the payment amount size Card usage policy information for each payment amount to replace (or convert) the payment may be linked to and stored.

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 check card associated with the integrated card according to the payment amount size 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 payment amount 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. Preferably, the integrated card information previously stored at 135 is stored in association with the check card information previously issued to the customer and the card usage policy information for each payment amount.

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 and / or predetermined virtual credit card previously issued to the customer and / or predetermined virtual credit card information, and / or payment using the integrated card according to the payment amount size Card usage policy information for each payment amount to replace (or convert) the payment may be linked to 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 credit card associated with the integrated card according to the payment amount size so that the payment processing may be performed. When the credit card information previously issued to the customer is confirmed and extracted, the information storage unit 125 stores the check card information previously stored in the storage medium 135 in association with the credit card information previously issued to the customer. Preferably, the card usage policy information for each payment amount is received from the customer terminal 300, or extracted from the policy information D / B (150), the information storage unit 125 is the storage medium ( It is preferable to store the check card information previously stored in step 135 in association with credit card information previously issued to the customer and card usage policy information for each payment amount.

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. If 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 payment 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 , It is preferable to return the result to the negative account confirmation 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 replace (or switch) the integrated card payment with a check card / credit card associated with the integrated card according to the payment amount size after issuing an integrated card according to an embodiment of the present invention. Is a diagram illustrating an information registration process for payment processing.

4a, 4b, 4c, and 4d show the integrated card issued to a predetermined customer from a predetermined credit card company (or financial company) through the card issuing system shown in FIG. Through the same information registration system, in order to process the payment by replacing (or converting) the integrated card payment with the check card or credit card associated with the integrated card according to the payment amount size, and the integrated card information previously issued to the customer; 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; Payment using the integrated card may be based on a check amount and / or a virtual check card previously issued to the customer, or a previously issued credit card and / or As an implementation method for an information registration process of linking and storing card usage policy information for each payment amount to be replaced (or converted) with a virtual credit card, specifically, FIG. 4A shows the integrated card information issued to the customer. And an implementation method of registering and registering the check card information previously issued to the customer and the card use policy information for each payment amount, and FIG. 4b is an integrated card information issued to the customer and associated with the integrated card. And a method of implementing a combination of predetermined virtual check card information and card payment policy information for each payment amount, and FIG. 4C shows the integrated card information issued to the customer, the credit card information previously issued to the customer, and the like. In the embodiment, the card usage policy information for each payment amount is linked and registered. The present invention relates to an integrated method of registering integrated card information issued to the customer, predetermined virtual credit card information associated with the integrated card, and card use policy information for each payment amount.

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. According to the payment amount size, it is possible to easily infer various implementation methods for replacing (or converting) the check card or the credit card associated with the integrated card to process the payment, and FIGS. 4A, 4B, and 4C. It will be apparent that the present invention is not limited to the information registration process shown in FIG. 4D and / or by each implementation method 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 accessing (and / or logging in) to the server via (400a), the server pays the payment using the integrated card to the customer terminal 300 through the network 305 and / or communication means 305 Provide a predetermined information registration interface including a user interface for replacing (or converting) with a previously issued check card according to the amount of money and processing a payment (405a), and the customer terminal 300 provides the information. Replace (or convert) the check card registration information previously issued to the customer and / or the payment using the integrated card with the check card previously issued to the customer according to the payment amount size through the registration interface. And by the payment card used geumaekbyeol policy information to make a payment to process the input (or selected) 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 preferably made to include the process of searching 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, thereby 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 payment amount size, so that the card usage policy information for each payment amount is set. If it is received (430a), if the card usage policy information for each payment amount is not received from the customer terminal 300 (435a), the server is managed by the DBMS 130 and / or DB server 130 From the policy information D / B 150 to extract card usage policy information for each predetermined payment amount to be associated with the integrated card (440a).

When the card usage policy information for each payment amount is received from the customer terminal 300 and / or the card usage policy information for each payment amount to be associated with the integrated card is extracted from the predetermined policy information D / B 150. In operation 445a, the server associates the check card information previously issued to the customer with the card usage policy information for each payment amount to the integrated card information previously stored in the storage medium 135 (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 accessing (and / or logging in) to the server via (400b), the server pays the payment using the integrated card to the customer terminal 300 via the network 305 and / or communication means 305 In accordance with the amount of money provided (405b), a predetermined information registration interface including a user interface for replacing (or converting) with a virtual check card associated with the integrated card for payment processing, and the customer terminal 300 is Application information for issuing a virtual check card associated with the integrated card and / or payment using the integrated card through an information registration interface is converted into a virtual check card associated with the integrated card according to the payment amount size. Inputting (or selecting) card usage policy information for each payment amount to replace (or convert) payment processing is transmitted to the server (410b).

Thereafter, the server sends the check card to the customer according to a check card issuing procedure provided to the card company (or financial company) based on the virtual check card issuing application information associated with the integrated card received from the customer terminal 300. Perform the issuance 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 the payment amount size 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 checks whether the card usage policy information for each payment amount is received from the client terminal 300 to replace (or convert) the payment using the integrated card with a predetermined virtual check card according to the payment amount size. 435b, if the card usage policy information for each payment amount is not received from the customer terminal 300 (440b), the server manages the policy information managed by the DBMS 130 and / or the DB server 130. The card usage policy information for each predetermined payment amount to be associated with the integrated card is extracted from the D / B 150 (445b).

When the card usage policy information for each payment amount is received from the customer terminal 300 and / or the card usage policy information for each payment amount to be associated with the integrated card is extracted from the predetermined policy information D / B 150. In operation 450b, the server associates and stores the virtual check card information and the card usage policy information for each payment amount 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 pays the payment using the integrated card to the customer terminal 300 via the network 305 and / or communication means 305 According to an amount of money, the customer provides a predetermined information registration interface including a user interface for replacing (or converting) with a previously issued credit card to process payment (405c), and the customer terminal 300 provides the information. Through the registration interface, the credit card registration information previously issued to the customer and / or the payment using the integrated card may be replaced (or converted) with the credit card previously issued to the customer according to the payment amount size. And by the payment card used geumaekbyeol policy information to make a payment to process the input (or selected) sent to the server (410c).

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 the payment amount size from the customer terminal 300, so that the card usage policy information for each payment amount is processed. If it is received (430c), if the card usage policy information for each payment amount is not received from the customer terminal 300 (435c), the server is managed by the DBMS 130 and / or DB server 130 From the policy information D / B 150 to extract card usage policy information for each predetermined payment amount to be associated with the integrated card (440c).

When the card usage policy information for each payment amount is received from the customer terminal 300 and / or the card usage policy information for each payment amount to be associated with the 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 usage policy information for each payment amount.

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 pays the payment using the integrated card to the customer terminal 300 via the network 305 and / or communication means 305 Provide a predetermined information registration interface including a user interface for replacing (or converting) a virtual credit card associated with the integrated card according to an amount of money and processing a payment (405d), and the customer terminal 300 The virtual credit card issuance application information associated with the integrated card and / or the payment using the integrated card are transferred to the virtual credit card associated with the integrated card according to the amount of payment amount through the information registration interface. Card usage policy information for each payment amount to be replaced (or converted) is input (or selected) and transmitted 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 of replacing (or converting) the payment using the integrated card with a predetermined virtual credit card according to the payment amount size 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 checks whether the card usage policy information for each payment amount is received from the client terminal 300 to replace (or convert) the payment using the integrated card with a predetermined virtual credit card according to the payment amount size. 435d, if the card usage policy information for each payment amount is not received from the customer terminal 300 (440d), the server manages the policy managed by the DBMS 130 and / or the DB server 130. The card usage policy information for each predetermined payment amount to be associated with the integrated card is extracted from the information D / B 150 (445d).

When the card usage policy information for each payment amount is received from the customer terminal 300 and / or the card usage policy information for each payment amount to be associated with the integrated card is extracted from the predetermined policy information D / B 150. In operation 450d, the server associates the virtual credit card information with the card usage policy information for each payment amount to the integrated 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 a payment amount size 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 payment amount 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, reference and / or modification of this figure 5 For example, depending on the amount of payment, various system configurations (eg, VISA) and / or national / Through the online card payment system corresponding to BC's Internet Security Payment (ISP), the integrated card payment is replaced (or converted) with the check card or credit card associated with the integrated card according to the payment amount size. It can be practiced by analogy, but the present invention includes all of the inferred implementation method, it is to be understood that 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 a payment amount size is provided in at least one affiliated 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 financial company) to perform card payment processing, and according to the payment amount, the payment server 500 for replacing (or converting) the card payment with the check card or credit card associated with the integrated card to process the payment. When the check card payment is replaced (or converted) by the check card and the payment is processed, the financial account associated with the check card It is preferable to include a predetermined financial system 565 established.

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 that stores and manages predetermined information required (e.g., financial account (or financial product), customer ledger information, or management information, etc.), and is intended by those skilled in the art. And / or a foreign exchange module (not shown), investment finance module (not shown), or international module, depending on the type of each financial institution (eg, commercial bank, savings bank, trust bank) 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), whereby 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 a financial company), and, on the contrary, if the balance of the member account is less than the check card payment approval request amount, the check card payment is rejected, whereby the financial system 565 The check card based debit processing requested by the card company (or financial company) is approved or rejected.

The payment server 500 replaces (or uses) 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 the payment amount size. It is characterized in that provided to the card company (or financial company) in order to process the payment, and a dedicated communication network connecting the predetermined financial network 560 (eg, at least one or more card companies (or financial companies) and the financial system 565) A financial account associated with the check card is connected to the opened financial system 565 through).

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 payment amount. 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 Figure 5, the payment server 500 is a specialized receiving unit 505 for receiving the full payment approval request message from the at least one payment terminal device 600 provided in the merchant through a predetermined payment network 555, The payment information obtained by reading the payment approval request text and extracting the card number and predetermined merchant information and the integrated card information including the extracted card number from the storage medium 135 is processed in connection with the stored payment Extract card use policy information for each amount, read card use policy information for each payment amount based on the extracted merchant information, and perform payment processing corresponding to the full payment approval request with the check card associated with the integrated card. Or an information confirmation unit 515 to confirm and determine 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 is made by including at least one check card actually issued to the customer, or a virtual check card associated with the integrated card, credit associated with the integrated card The card includes at least one or more of a credit card actually issued to the customer or 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 withdrawal 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 payment through the credit card associated with the integrated card Characterized in that it comprises processing the amount corresponding to the 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. Further comprising a check card payment approval unit 520 for performing a check card payment approval process in conjunction 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.

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 payment amount size, 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 from the full text. 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 the card usage policy information for each payment amount 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 payment amount based on the extracted affiliated store information, thereby performing a payment process corresponding to the full payment approval request message and associated 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. It is characterized by calculating the amount of money.

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 generate more content.

Thereafter, the check card payment approval unit 520 is based on a transaction protocol defined between the card company (or financial company) and the financial system 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.

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

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

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

According to another embodiment of the present invention, the calculated 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 the card company (or financial company) policy) to the negative account processing amount and / or the predetermined account corresponding to the financial system 565. It is preferable to calculate the negative account processing amount by adding up the account transfer fee (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 account 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 make a negative deposit processing of the reserved negative account processing amount 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 is configured to perform the financial. It may be provided in the system 565 (eg, the check card portion of the external system 570), and the present invention is not limited thereby.

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 linking the credit card payment details with the credit card information. It is preferable that the payment amount is included in the credit card settlement request amount so as to be charged 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 a check card or credit card associated with the integrated card, the customer approval processing unit 550 converts the integrated card payment into a 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 customer terminal 300 according to the card usage policy information for each payment amount. Request, and when the customer approves it, the integrated card information and / or texture stored in the storage medium 135 is returned to the customer approval result. It may be achieved by storing the card usage policy information for each amount.

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 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 payment amount 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 that are arithmetic processed by the processor (hence, by replacing (or converting) the integrated card payment with a predetermined check or credit card associated with the integrated card. In this case, the control unit is a component that can be processed in software from a predetermined program recorded on a recording medium provided in the payment terminal device 600 and / or a functional configuration provided in the payment terminal device 600 to process the same. 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 a 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 an 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 payment server 500 performs a predetermined card linked with the integrated card. A payment that stores the check card payment history or credit card payment history processed by replacing (or converting) the integrated card payment with the check card or credit card And a storage area for storing processing approval details, and / or a storage area for storing check / credit processing details including at least one of the negative account processing details or 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 has a card (or owns) that includes at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443, wherein the card has a credit card, a check It is preferable that a payment means including at least one card, debit card, cash card, financial account is provided.

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

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

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

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

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

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

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

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

The screen output unit 615 is a liquid crystal display (LCD) and / 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 a 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. It comprises a short-range wireless communication unit for connecting a predetermined communication session, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) in 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) Etc.) and / or keys (e.g. one master key and at least one application key) and / or protocols (e.g. trading protocols, re-transaction protocols, previous 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. A printing protocol for printing the print information or data through a predetermined printing device in accordance with a predetermined printing form, characterized in that the processing result information or data) is output to a predetermined printing device (for example, a receipt printing machine). And a driver.

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. It is characterized in that it comprises an approval message processing unit (675) for dividing the full text by the details to output through the screen output unit, and / or to separate the received payment approval full text by the approval details stored 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 approval request 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 generating a full text.

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 card use policy information for each predetermined payment amount associated with the integrated card information, the integrated card payment for the integrated card payment Payment processing by replacing (or converting) with a check card associated with the payment or by replacing (or converting) the integrated card payment with a credit card associated with the integrated card, whereby the payment server 500 A payment approval message including at least one check 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 the 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 receiving unit 665, and thus check card payment details and / or credit card payment details and / or negative account processing details included in the payment approval message. And / or reading and confirming the 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 are payment approvals 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 request message, the payment server 500 provided in the card company (or financial company) to apply the payment processing corresponding to the payment approval request full text by applying the card use policy for each payment amount check card associated with the integrated card Alternatively, an exemplary method for the payment approval specialized structure transmitted from the payment server 500 to the payment terminal device 600 after being replaced (or converted) with a credit card and processed, specifically, FIG. 8A As a result of applying the card usage policy for each payment amount, the integrated card payment is linked with the financial system 565 in which the customer account corresponding to the check card linked with the integrated card is opened. The payment approval is for the case of withdrawal from the customer account associated with the check card and the debit processing, and Figure 8b shows the amount corresponding to the credit card payment amount as a result of the application of the card use policy for each payment amount. The payment approval is a mixed text for the case where the customer account corresponding to the checked card is processed as a negative account, and FIG. 8C shows that the integrated card payment is applied to the credit card associated with the integrated card. This is for the full payment approval for the credit settlement process, and FIG. 8D shows a cash service (or a credit card associated with the integrated card to transfer the amount corresponding to the integrated card payment amount as a result of applying the card use policy for each payment amount. It is for a full text of payment approval for the case processed by card loan).

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 skilled person. 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, slip serial number item, merchant number item, slip purchaser item, comment item, It includes a HELP 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 may be 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 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 as a check card or credit card associated with the integrated card based on the card usage policy information for each predetermined payment amount. A preferred implementation method for replacing (or converting) payment processing is illustrated and described. However, an embodiment of the present invention is described below with reference to the method of performing payment processing by replacing (or converting) a payment using the integrated card with a check card or a credit card associated with the integrated card based on the card usage policy information for each payment amount. The present invention is not limited thereto, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to a check card or credit associated with 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 a card, and the present invention includes all implementation methods inferred from the above.

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

Specifically, FIG. 9 is a payment server 500 provided at a card company (or financial company) in the payment terminal device 600 shown in FIG. 6 based on the payment system configuration shown in FIG. As an embodiment of the method for transmitting the full 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.

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 (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).

10 is a diagram illustrating a process of applying a card usage policy for each payment amount 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 payment amount. As an 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 by replacing (or converting) with a credit card associated with the integrated card by applying a policy, Those skilled in the art to which the present invention pertains, refer to and / or modify this figure 10 to apply the card use policy for each payment amount stored in the storage medium 135 to the card payment approval request according to the skilled person intention 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 payment amount information from the payment approval request full text 1025, and checks the credit card information including the extracted card number from the storage medium 135 (1030).

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 card use policy information for each payment amount stored in association with the integrated card information from the storage medium 135. Extracting (1045) and reading the card usage policy information for each payment amount extracted from the storage medium 135 on the basis of the payment amount information extracted from the payment approval request message; It is determined whether the payment request is to be processed through the credit card payment means associated with the integrated card or through the check card payment means associated with the integrated card (1050).

According to an embodiment of the present invention, when the card usage policy information for each payment amount includes a minimum payment amount size to be processed through a credit card payment means associated with the integrated card, the server determines that the extracted payment amount information When the amount of payment amount included in the card usage policy information for each payment amount is greater than or equal to the payment amount, the integrated card payment request is determined to be processed through a credit card payment means associated with the integrated card, and the extracted payment amount information is determined by the payment amount. If it is within the size, it is determined to process the integrated card payment request through the check card payment means associated with the integrated card.

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 to be processed through the credit card payment means associated with the integrated card (1055), the server performs a credit card payment approval process through the credit card associated with the integrated card. To perform.

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 shows that when the card approval policy corresponding to the payment amount shown in FIG. 10 is applied, it is determined to process the payment approval request corresponding to the full payment approval request through the check card payment means. 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 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 a 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 use policy for each payment amount 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 authorization 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 the full text of the request (1130), and transmits the generated check card debit authorization request full text to the 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 card company account number item (ACCOUNT) to be withdrawn from the member account to be processed and the approval request amount item (APRV) calculated by adding up a predetermined fee and a payment amount received from the payment terminal device 600 through the multi-authorization request message. -AMT), a member bank code item (BANK-CDE), a member account number item (PAN), and a member branch code (BRAN-CDE) item extracted from the storage medium 135 based on the check card number. And a member bank statement content item (INFO), and further comprising a reservation (FILLER) for maintaining a block size of 293 bytes of the individual part.

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 FIG. As shown in FIG. 13A, a method for providing a service for providing a service to the payment server 500 by checking whether the debit card is approved based on the balance of the member account associated with the check card is provided. During the check card payment according to the present invention, the negative account processing unit that provides a negative account service for approving the check card payment for the customer account associated with the check card is provided in the card company (or financial company) as shown in FIG. The case is provided in the server 500, Figure 13b is a customer account associated with the check card of the check card payment according to the present invention For adding the negative account processing to provide a service for checking the negative account card payment authorization is for the case provided in the financial system (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 13a, the financial system 565 that has received the full check card debit processing approval request as shown in Figure 12 from the payment server 500 provided in the card company (or financial company) through the process as shown in Figure 11, The authorization request amount, the member account number, and the member point code are extracted from the check card debit processing approval request text (1300a), and the balance information of the member account is extracted using the member account number and the member point code (1305a). .

Thereafter, the financial system 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, if the balance of the member account is greater than the authorization request amount, and the transfer of the authorization request amount from the member account to the financial account corresponding to the card company account number included in the preamble of the check card debit processing authorization request is possible. The check card debit authorization for the full check card debit authorization request is determined.

If the check card debit authorization is not verified (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 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. An authorization request amount, a member account number, and a member point 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 point 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 step 1535, the reserved negative account processing amount is linked to the financial system 565 to process a negative deposit into a customer account associated with the check card.

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 full text includes a negative account processing history for the check card payment approval for the check card linked customer account according to the present invention (1630), the server is included in the check card payment approval full text The screen output device and / or printing device provided in the payment terminal device 600 are classified into a check card debit processing approval result and a negative account processing history for the check card payment approval for the check card linked customer account according to the present invention. Output through (1645), processing the negative account for the check card payment approval for the check card debit processing approval result and the check card linked customer account according to the present invention to the memory unit 650 provided in the payment terminal device 600 The details are classified and stored (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 is processed through credit card payment means associated with the integrated card as a result of applying the card use policy for each payment amount 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 inferred implementation method 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 payment amount shown in FIG. 10, it is determined to process a credit 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 payment amount 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 sends a payment approval request corresponding to the full payment approval request message through a credit card payment means associated with the integrated card. Would be able to infer a variety of exemplary methods of processing through the cash (or card loans), the present invention is not limited by the exemplary method of the inference. Hereinafter, the payment server 500 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 18, the result of applying the card use policy for each payment amount shown in FIG. 10, and the payment approval request corresponding to the full payment approval request message, the cash service (or card loan) through the credit card payment means associated with the integrated card 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), from the full text of the payment approval request The predetermined payment amount is extracted (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 the 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 into a cash service (or card loan) through a credit card payment means associated with the integrated card (1830), and the credit associated with the integrated card Generate a payment approval message including a cash service processing history through a card (1835), and store the cash service processing history through a credit card associated with the integrated card in association with credit card information associated with the integrated card. In operation 1840, the generated payment approval message is transmitted to the payment terminal 600 through the payment network 555 (1845).

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 the virtual credit card) is linked, the check processing (or the virtual check card) associated with the integrated card according to the payment authorization request amount size based on the card use policy for each payment amount is performed for the payment processing using the integrated card. ) Or through a credit card (or virtual credit card) associated with the integrated card, there is an advantage to provide a card payment service that combines the advantages of the conventional check card and credit card.

Claims (12)

One of the first card and the second card corresponding 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 authorization request amount in a predetermined information storing means. An information storage step of linking and processing payment card selection condition information for selecting a card of a predetermined storage medium; An information reading step of reading payment approval request amount information and card information from the payment approval request message in a predetermined information reading means when receiving a 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 amount read out from the full payment approval request in the predetermined payment approval processing means and the payment After comparing the amount of money to select one of the first card and the second card included in the card selection condition information, the card meeting the payment card selection condition of the first card and the second card Payment approval processing step of performing the payment approval processing using; 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 or 2. Selecting 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 payment authorization request amount; Information storage means for linking and processing payment card selection condition information in a predetermined storage medium; Information reading means for reading payment approval request amount 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 card meeting the payment card selection condition information is selected from the first card information and the second card information. And payment approval processing means for processing payment approval for the payment approval request amount read from the payment approval request message. 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 amount 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 first card or the second card corresponds to the size of the payment approval request amount read from the full text of the payment approval request. And a payment approval processing unit for selecting one of the cards to process payment approval corresponding to the payment approval request. The method of claim 10, wherein the payment approval processing device, Consists of a single server, or 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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