KR20070072817A - Devices for processing admission of payment of check card(or debit card), system and method for processing admission of payment and recording medium - Google Patents

Abstract

A device, a method, and a system for processing a payment approval of a check card, and a recording medium thereof are provided to process the payment approval by generating and using a cash service or a card loan if a payment account of the check card is insufficient to pay a payment approval request amount. An information checker checks credit level information of a customer using the check card. An information calculator calculates a cash service or card loan amount available to the checked credit level information of the customer. An information comparator determines the payment approval using the calculated amount by comparing the calculated amount with whole payment amount or a shortage. A cash service/card loan processor(635) generates the cash service or the card loan by taking credit of the customer as security if the payment approval is enabled by using the calculated amount. A payment approval processor(615) processes the payment approval using the check card by using the generated cash service or card loan.

Description

Devices for Processing Admission of Payment of Check Card (or Debit Card), System and Method for Payment Approval Processing Device of Check Card (or Debit Card), Payment Approval Processing Method of Check Card (or Debit Card) for Processing Admission of Payment and Recording Medium}

1A and 1B are diagrams illustrating a contract conclusion system for providing a customer credit-based cash service / card loan service during check card payment in the process of issuing a check card according to an embodiment of the present invention.

2A and 2B illustrate a process of signing an agreement for providing a customer credit-based cash service / card loan service during check card payment in a check card issuing process according to an embodiment of the present invention.

3 is a diagram illustrating a contract execution system for providing a customer credit-based cash service / card loan service during check card payment after issuing a check card according to an embodiment of the present invention.

4A and 4B illustrate a process of confirming the possibility of contract conclusion for providing a customer credit-based cash service / card loan service during check card payment after issuing a check card according to an embodiment of the present invention.

5 is a diagram illustrating a process of signing an agreement for providing a customer credit-based cash service / card loan service during check card payment after issuing a check card according to an embodiment of the present invention.

6 is a diagram illustrating a system for providing a cash service / card loan service using a check card according to an exemplary embodiment of the present invention.

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

8 is a diagram illustrating a check card payment approval request specialized structure for processing a customer credit-based cash service / card loan service during check card payment according to an embodiment of the present invention.

9 is a diagram illustrating a check card payment approval specialized structure for processing a customer credit-based cash service / card loan service during check card payment according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of generating a check card payment approval request message in a payment terminal device and transmitting the same to a payment server according to an embodiment of the present invention.

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

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

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

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

15 is a diagram illustrating an operation process of a payment server for providing a customer credit based cash service / card loan service 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.

FIG. 17 is a diagram illustrating printing of check card payment approval details and customer credit-based cash service / card loan service processing details according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server (or device) 130: storage medium

600: payment server 605: professional receiving unit

610: information reading unit 615: approval processing unit

620: payment approval unit 625: agreement approval unit

630: customer credit generation unit 635: cash service / card loan processing unit

640: professional generation unit 645: professional transmission unit

650: customer approval processing unit 700: payment terminal device

In the present invention, when the payment approval process using a check card (or debit card), the balance of the payment account associated with the check card (or debit card) is insufficient due to the lack of payment, the check in the predetermined information checking means Check the credit rating information (and / or credit information) of the customer using the card (or debit card), and the credit rating information of the customer using the check card (or debit card) identified in the predetermined cash service / card loan processing means ( And / or credit information) to calculate the cash service or card loan amount information that can be secured by the credit of the customer, and compare the calculated amount information with the entire or shortage of the payment authorization processing target amount to calculate the calculated amount. It is determined whether the payment approval processing can be used, and if the payment approval processing using the calculated amount is possible as a result of the determination, the credit of the customer is secured. Generating a gold service or a card loan, and using a generated cash service or a card loan in a predetermined payment approval processing means to process a payment authorization for the check card (or debit card) use price of the customer A payment authorization processing apparatus for a debit card, a payment authorization processing method and system for a check card (or a debit card), and a recording medium are provided.

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

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

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

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

However, if the balance of the customer's account is insufficient when the check card is issued mainly for minors and / or creditors who do not already have credit (or almost no credit), the customer may generate a customer credit to postpay form such as a credit card. There is a difficult problem with the credit card company policy, and the risks caused by the card company include the fatal problem that the card company burdens.

The present invention is derived to solve the above problems, when the payment approval process using a check card (or debit card), the balance of the payment account associated with the check card (or debit card) insufficient payment approval is not possible In one case, the credit card information (and / or credit information) of the customer using the check card (or debit card) is confirmed in a predetermined information checking means, and the check card ( Or debit card) calculating cash service or card loan amount information that can be secured by crediting the customer's credit in response to the credit rating information (and / or credit information) of the customer, and calculating the calculated amount information and the payment authorization processing amount. It is determined whether or not payment approval processing is possible using the calculated amount by comparing all or shortages, and the determination result using the calculated amount When the authorization process is possible, a cash service or a card loan is generated with the credit of the customer as collateral, and a payment amount for the check card (or debit card) of the customer is used by using the generated cash service or card loan in a predetermined payment approval processing means. A payment approval processing device for a check card (or debit card), a payment approval processing method and system for a check card (or debit card), and a recording medium.

In the present invention, the payment approval processing device of the check card (or debit card), when the payment approval processing using the check card (or debit card), the balance of the payment account associated with the check card (or debit card) is insufficient to approve payment If this is impossible, the information check unit for checking the credit rating information (and / or credit information) of the customer using the check card (or debit card); An information calculator configured to calculate the cash service or card loan amount information that can secure the credit of the customer in response to the identified credit card information (and / or credit information) of the customer using the check card (or debit card); An information comparing unit comparing the calculated amount information with the entire or shortage of the payment approval processing target amount to determine whether the payment approval processing is possible using the calculated amount; A cash service / card loan processing unit for generating a cash service or a card loan with the credit of the customer as a result of the determination, when the settlement approval processing using the calculated amount is possible; And a payment approval processing unit for processing the payment approval for the check card (or debit card) use price of the customer using the generated cash service or card loan.

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

In the present invention, the payment approval processing method of the check card (or debit card) is a payment approval process using a check card (or debit card), the balance of the payment account associated with the check card (or debit card) is insufficient payment approval If this is impossible, checking the credit rating information (and / or credit information) of the customer using the check card (or debit card) in a predetermined information checking means; Cash service or card loan amount information available as collateral for the customer's credit in response to the credit rating information (and / or credit information) of the customer using the checked check card (or debit card) in a predetermined cash service / card loan processing means. And calculating whether or not payment approval processing using the calculated amount is possible by comparing the calculated amount information and the total or shortage of the payment approval processing target amount, and the settlement approval processing using the calculated amount is determined. A cash service / card loan processing step of generating a cash service or a card loan with the credit of the customer if possible; And a payment approval processing step of processing payment approval for the check card (or debit card) payment of the customer by using the generated cash service or card loan in a predetermined payment approval processing means. .

According to the implementation method of the present invention, the payment approval processing method of the check card (or debit card) is a predetermined information storage means for the generated cash service or card loan amount information and the customer's check card (or debit card) information Associating and storing the data in a predetermined storage medium; And performing settlement processing of the generated cash service or card loan amount in association with the storage medium (or storage medium operating means) in a predetermined settlement processing means.

According to the method of the present invention, the payment approval processing method of the check card (or debit card) is a step of processing a customer approval for the cash service or card loan generation in association with the customer communication means in a predetermined approval processing means. It is preferred to further comprise a.

According to the present invention, the recording medium provided in the system in which the payment approval processing method of the check card (or debit card) is realized is characterized by recording a program for executing the method.

In the present invention, the payment approval processing system of the check card (or debit card), when the payment approval process using the check card (or debit card), the balance of the payment account associated with the check card (or debit card) is insufficient, the payment approval Information check means for confirming credit rating information (and / or credit information) of the check card (or debit card) user, if it is impossible; Calculating the cash service or card loan amount information that can secure the credit of the customer in response to the identified credit card information (and / or credit information) of the customer using the check card (or debit card); and the calculated amount information And whether the payment approval processing using the calculated amount is possible by comparing the entire or shortage of the payment approval processing target amount, and if the payment approval processing using the calculated amount is possible, guarantee the credit of the customer. Cash service / card loan processing means for generating a cash service or a card loan; And payment approval processing means for processing the payment approval for the check card (or debit card) use price of the customer using the generated cash service or card loan.

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.

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.

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.

1A and 1B are diagrams illustrating a contract conclusion system for providing a customer credit-based cash service / card loan service during check card payment in the process of issuing a check card according to an embodiment of the present invention.

In more detail, FIGS. 1A and 1B illustrate that when a check card is issued to a predetermined customer by a predetermined card company, the balance between the customer account associated with the check card during the check card payment between the card company and the customer (or the customer account is insufficient). In case of non-debit processing through), a check card issuing system-based agreement conclusion system is entered into to create an agreement that generates a customer credit-based cash service / card loan to solve the shortage of the customer account balance (or no debit processing through the customer account). As an exemplary embodiment of the present invention, in detail, FIG. 1A registers information for issuing the check card and / or signing an agreement for a customer credit-based cash service / card loan service during the check card payment. After issuing the check card to the customer based on the registered information, the card company and the customer between the A system for entering into an agreement for providing a customer credit-based cash service / card loan service when the balance of the customer account associated with the check card is insufficient (or debit processing through the customer account) during the payment using the urgent check card is not possible. 1b registers information for issuing the check card and / or signing an agreement for a customer credit-based cash service / card loan service during the check card payment in an online / offline manner, and based on the registered information. After downloading and issuing a check card card applet to the IC card or wireless IC chip previously issued to the customer, the balance of the customer account associated with the check card is insufficient during payment using the issued check card between the card company and the customer. (Or if you are not able to process direct debit through the customer's account), please remove the customer credit-based cash advance / card loan service. It illustrates a system for signing a contract to.

Persons of ordinary skill in the art to which the present invention pertains, when issuing a check card from a predetermined card company to a predetermined customer without departing from the core technical matters of the present invention with reference to the drawings 1a and 1b, In the case of the issued check card payment, if the customer account balance associated with the check card is insufficient (or debit processing through the customer account), the lack of the customer account balance (or debit processing through the customer account) It would be easy to infer various implementation methods of signing arrangements for generating customer credit-based cash services / card loans for the present invention, and refer to the system configurations shown in FIGS. 1a and 1b and / or to modify some of the system configurations. It is apparent that the present invention is not limited by each method of implementation.

Referring to FIGS. 1A and 1B, a customer who wants to receive the check card may visit a predetermined window or apply an application for issuing a check card in an offline manner through a person in charge of issuing a card (eg, for issuing a check card). A document having a form for filling in at least one check card issuance application information item) and submitting the completed application to the counter staff, the counter staff fills in the application through a predetermined manager terminal. A communication network that inputs issuance application information and communicates the input check card issuance application information with a predetermined information registration interface (for example, the administrator terminal and a predetermined information registration server (or device) 100); Or network)) to a predetermined 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 (eg, an offline method). By using the key input means provided in the information input device for issuing the unmanned card issuing predetermined card issuance information including the check card issuing application information for issuing the check card, the present invention is not limited thereto. .

In addition, a customer who wishes to issue the check card may operate a client terminal connected to a network, for example, a predetermined information registration interface (for example, a communication network (or network) for communication connection between the client terminal and the information registration server (or device) 100). Issuing a card that accesses the information registration server (or device) 100 through a check card issuance application information based on the information input interface screen provided by the information registration server (or device) 100 through The information is input and transmitted to the information registration server (or device) 100.

1A and 1B illustrate 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. Depending on the communication network (or network) feature 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 communications (GSM). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and And / or Telematics and / or DataTAC / Mobitex wireless data communication terminals and / or IEEE 802.16 based portable Internet A it can be made including at least one, to which the present invention is not limited.

1A and 1B, the information registration server (or apparatus) 100 basically includes a function configuration (not shown) for issuing a check card and registering information, and checks the payment card with the customer. In order to solve the shortage of the customer account balance (or debit processing through the customer account) by generating a cash service / card loan based on the customer credit in accordance with the agreement between card companies, Information receiving unit 105 for receiving application information and / or contract conclusion information of the card issuance, agreement confirmation unit 110 for confirming whether the contract information is received from the information receiving unit 105, and issuing the check card When the check card information corresponding to the application information is generated and predetermined agreement information is received as a result of the agreement confirming unit 110, the agreement agreement information is added to the agreement agreement information. An information generating unit 115 for generating corresponding agreement processing information, and check card information generated by the information generating unit 115 are stored in a predetermined storage medium 130, and the information generating unit 115 is stored. When the contract processing information is generated through the check card information, characterized in that it comprises an information storage unit 120 for storing in the storage medium 130 in association with the contract information and contract processing information.

The information receiver 105 receives check card issuing application information from the check card issuing customer through a predetermined manager terminal and / or a client terminal through a predetermined information registration interface, in which case the agreement confirmation The unit 110 confirms that the agreement conclusion information has not been received through the information registration interface. Thereafter, the information registration server (or apparatus) 100 runs out of the check card payment from the check card customer through the system configuration as shown in FIG. When a direct debit cannot be processed), a contract may be created to generate a customer credit-based cash service / card loan to solve the shortage of the customer account balance (or the debit through the customer account).

In addition, the information receiving unit 105 checks the check card issuing application information from the check card issuing customer and the check card issuing customer and the card company through a predetermined manager terminal and / or a client terminal through a predetermined information registration interface. When the balance of the customer account associated with the check card (or debit processing through the customer account is impossible) during the issued check card payment, to solve the shortage of the customer account balance (or debit processing through the customer account) Receive predetermined commitment information for entering into an agreement that generates a customer credit based cash advance / card loan.

The contract execution information is that when the customer applying for the check card is issued a check account payment shortage (or non-debit processing through the customer account) associated with the check card, the customer account balance shortage (or the customer account) It includes information confirming that you have agreed to the terms of customer credit processing that generates customer credit-based cash advances / card loans.

When an application for issuing a check card is issued by the information registration interface in an offline manner according to an embodiment of the present invention, the check card issuance application provided to the customer lacks a balance of the customer account associated with the check card during check card payment. (Or non-debit processing terms to generate a customer credit-based cash advance / card loan for resolving the customer account balance shortage (or non-debit processing through the customer account) upon (or not being able to process the debit through the customer account), When confirming that the customer agrees to the terms, the contract information includes the agreement of the contract terms.

According to another exemplary embodiment of the present invention, when an application for issuing a check card is issued through the information registration interface in an online manner, a shortage of the customer account balance associated with the check card during payment of the check card to the client terminal of the customer (or the A web document (or a commitment agreement) that generates a customer credit-based cash advance / card loan for resolving the shortage of the customer account (or the inability to process the debit through the customer's account) upon the inability to process the debit through the customer's account (or Electronic document), and outputting and confirming that the customer agrees to the terms, the contract information includes the agreement of the contract terms. In particular, when the contract information is received in an online manner, in order to secure the integrity and nonrepudiation that the customer applying for the check card has agreed to the contract terms, the information registration interface may be used. Preferably, the client terminal attaches the electronic signature of the check card issuing application customer to the information registration server (or device) 100 through the check card issuing application information and the contract conclusion information.

The agreement confirmation unit 110 checks whether the agreement conclusion information is included in the check card issuing application information received from the manager terminal and / or the client terminal through the information receiving unit 105.

According to an embodiment of the present invention, when the contract card issuance request information includes the contract conclusion information, the contract confirmation unit 110 checks that the information generator 115 corresponds to the check card issue request information. In the process of generating card information, by further generating contract processing information corresponding to the contract conclusion information (or extracting from a database (not shown) storing predetermined contract processing information), the check card is issued at the same time as the check card is issued. Issuance of the customer account balance associated with the check card (or debit processing through the customer account is not possible) during the payment of the check card between the customer and card company for issuing application, the account balance is insufficient (or debit processing through the customer account) It is advisable to proceed with an arrangement to generate a customer credit-based cash advance / card loan to resolve the issue. All.

According to another exemplary embodiment of the present invention, when the contract card issuing application information does not include the contract conclusion information, the contract confirmation unit 110 is issued after the check card is issued through the system configuration shown in FIG. Customer credit base for resolving the shortage of the customer account balance (or the non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during check card payment. It is desirable to treat the agreements that generate cash services / card loans to be concluded.

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

According to the exemplary embodiment of the present invention, the card information among the check card information generated by the information generating unit 115 is provided to a predetermined card issuing server (or device) 135, and the card issuing server (or device) is provided. 135 is preferably made (or generated) a check card based on the card information to provide (or deliver) to the customer.

In addition, the information generator 115 is confirmed by the agreement confirmation unit 110 when the check card issuance request information received through the information receiving unit 105 includes the agreement conclusion information, the agreement Resolving the shortage of the customer account balance (or the non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during check card payment based on the execution information. Generating predetermined contract processing information for performing a procedure for generating a customer credit based cash service / card loan for the purpose of generating the customer credit based cash service / card loan during payment of the check card. Contract processing condition information, limit amount information for the customer credit-based cash service / card loan, and the limit amount amount According to the amount calculation information for calculating a predetermined cash service / card loan amount in the transmission, and the communication channel connection state between the card company (or financial company) and the financial system 665 opened the customer account associated with the check card It includes at least one or more customer credit-based cash service / card loan management policy information for resolving the customer account balance shortage (or non-debit processing through the customer account) through the calculated cash service / card loan amount.

When the check card information corresponding to the check card issuing application information is generated by the information generating unit 115, the information storing unit 120 converts the check card information into a predetermined DBMS 125 and / or DB server. Characterized in the storage medium 130 is managed by (125), and then the check card information is stored in the process of linking the predetermined agreement information and the agreement processing information through the system configuration as shown in Figure 3 It is preferable.

In addition, the information storage unit 120 checks when the check card information corresponding to the check card issuing application information and the contract processing information corresponding to the contract conclusion information are generated by the information generating unit 115. The card information, the contract conclusion information, and the contract processing information may be stored in a storage medium 130 managed by a predetermined DBMS 125 and / or DB server 125 by linking and processing the contract information.

According to an embodiment of the present invention, the information registration server (or device) 100 (or DB server managing the storage medium 130) is the storage medium 130, the contract information and the agreement processing information After being stored in association with the check card information, based on the check card customer information included in the check card information, the customer lacks the balance of the customer account associated with the check card (or debit processing through the customer account) during check card payment to the customer. Check the validity of a customer credit-based cash advance / card loan to address the lack of customer account balance (or inability to debit through the customer account). Check whether a minor / credit cannot be generated), and the customer can generate the customer credit based cash advance / card loan. It is preferable that the agreement conclusion information and the agreement processing information are activated only if there is one.

Referring to FIG. 1A, when predetermined card information corresponding to the check card information is generated by the information generating unit 115 of the information registration server (or apparatus) 100, the card information is a predetermined card issuing server. (Or device) 135, the card issuing server (or device) 135 based on the card information, the predetermined media storage information (e.g., if the issued check card is MS, Track of MS) The storage information recordable in the area II or the issued check card generates an IC (Integrated Circuit) card / storage information that can be recorded in the memory provided in the IC chip), and the media storage information is stored in the MS card. Or recorded on a medium (for example, magnetic stripe in case of MS card, memory in IC chip in case of IC card / wireless IC chip) provided in a blank card including at least one IC card or wireless IC chip. And the medium storage information And an MS registered card or IC card or a wireless IC chip, characterized in that the delivery to the customer (or service).

Referring to FIG. 1A, when predetermined card information corresponding to the check card information is generated by the information generating unit 115 of the information registration server (or apparatus) 100, the card information is a predetermined card issuing server. (Or device) 135, the card issuing server (or device) 135 is based on the card information card applet for a predetermined check card (e.g. IC card / wireless IC chip having an open platform) And IC chip storage information (and / or IC chip program) capable of post issuance.

According to one embodiment of the present invention, when a predetermined IC card is previously issued to the customer, the card issuing server (or device) 135 performs the check card card applet through a predetermined wireless and / or wired network. The card terminal is provided to a predetermined card terminal (e.g., a card applet post-issuance client terminal equipped with an IC card reader, a card applet post-issuance window terminal, or a card applet post-issuance card terminal). It is preferable to post-issue the card applet to the customer-owned IC card according to the post-issuance procedure.

According to another exemplary embodiment of the present invention, when a wireless IC chip that is mounted or detached in the customer-owned wireless terminal has been previously issued, the card issuing server (or device) 135 selects the card applet for the check card. The wireless terminal is provided to the wireless terminal through a wireless communication network (for example, when the wireless terminal is a CDMA-based mobile communication terminal, the mobile communication network to which the mobile communication terminal is connected), and the wireless terminal provides the wireless terminal according to a predetermined post-issuance procedure. It is preferable to post-issue a card applet to a wireless IC chip mounted (or detached) from the wireless terminal.

2A and 2B illustrate a process of signing an agreement for providing a customer credit-based cash service / card loan service during check card payment in a check card issuing process according to an embodiment of the present invention.

In more detail, FIGS. 2A and 2B show a check card payment between a card company (or financial company) and the customer when a check card is issued to a predetermined customer by a predetermined card company (or financial company) as shown in FIGS. 1A and 1B. Customer credit-based cash advances / card loans for resolving the customer account balance shortage (or non-debit processing via the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account). As one embodiment for a check card issuance system-based agreement fastening method for signing a contract to generate a, if the person of ordinary skill in the art to which the present invention pertains, with reference to the drawings 2a and 2b When a check card is issued to a given customer by a given card company without violating the core technical matters of Customer credit base for resolving the shortage of the customer account balance (or the inability to process the debit through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during card payment. Various implementation methods of signing arrangements for generating cash services / card loans may be readily inferred, and each implementation may be carried out with reference to the methods illustrated in FIGS. 2A and 2B and / or modified portions of the methods. It is apparent that the present invention is not limited by the method. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 2A, a customer applying for a check card issuance request for issuance of a check card and / or a customer credit-based cash service / card loan service during the check card payment application according to the present invention through a predetermined information registration interface (200). Through the information registration interface, the server transmits the check card issuing application information and predetermined contract conclusion information for the cash service / card loan service application during the check card payment (205).

According to an embodiment of the present invention, the customer applying for the check card issuing a check card issuing application only through a predetermined information registration interface, or during the check card issuing process, the customer credit-based cash service during payment of the check card according to the present invention. The card loan service application can be applied at the same time, and the present invention is not limited thereto.

As described above, the server receiving the check card issuing application information and / or contract payment information for the customer credit-based cash service / card loan service during the check card payment from the customer through the information registration interface is based on the check card issuing application information. Determine whether to issue a check card to the customer (210).

According to the method of the present invention, in order to issue the check card to the customer, the customer must have a predetermined customer account opened in a predetermined financial system 665, and must be at least 14 years old, the server It is preferable to determine whether to issue the check card to the check card issuing customer based on the account information and / or customer information included in the check card issuing application information.

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

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

Referring to FIG. 2B, during or after performing a check card issuing procedure corresponding to the check card issuing application information as described above, the server performs a check card payment from the customer through the information registration interface. In operation 230, it is determined whether credit-based cash service / card loan service contract information is received.

If the customer credit-based cash service / card loan service contract conclusion information is not received (235) during the check card payment, the server checks a predetermined check generated in the process of issuing the check card issuance process to the storage medium 130. The card information is stored (240).

On the other hand, if the customer credit-based cash service / card loan service contract information is received during the check card payment (235), the server provides the customer credit-based cash service / card loan service according to the present invention among the check card payments issued to the customer. (245), reference is made to FIG.

If the customer cannot provide a customer credit based cash advance / card loan service during the check card payment (eg, if it cannot generate a customer credit for a cash advance / card loan service to the check card customer) (250), The server stores predetermined check card information generated in the process of performing the check card issuing procedure in the storage medium 130 (240).

On the other hand, if it is possible to provide the customer credit-based cash service / card loan service during the check card payment (for example, if the credit card can generate customer credit for the cash service / card loan service) (250) The server requests the client terminal 300 for the customer approval for providing the customer credit-based cash service / card loan service during the payment of the check card (255).

If the customer approval for providing the customer credit-based cash service / card loan service during the check card payment is confirmed (260), the server processes a predetermined agreement to provide the customer credit-based cash service / card loan service during the check card payment. Information is generated (265), and the check card information, the contract conclusion information, and the contract processing information are interworked and stored in a predetermined storage medium 130 (270).

3 is a diagram illustrating a contract execution system for providing a customer credit-based cash service / card loan service during check card payment after issuing a check card according to an embodiment of the present invention.

In more detail, Figure 3 is a check card issuance issued to a predetermined customer from a predetermined card company through the check card issuing system shown in Figures 1a and 1b after the check card payment between the card company and the customer When a customer account balance associated with a card is insufficient (or debit processing through the customer account), a customer credit-based cash service / card loan is generated to resolve the shortage of the customer account balance (or debit processing through the customer account). As an embodiment of the system for signing a contract, the card company and the customer may use the check card information stored in the storage medium 130 through the check card issuing system shown in FIGS. 1A and 1B. Insufficient customer account balance associated with the check card during payment of the check card (or non-debit processing through the customer account) A) illustrates a system for entering into a predetermined agreement to generate a customer credit-based cash advance / card loan to address the lack of customer account balance (or non-debit processing through the customer account).

Those skilled in the art to which the present invention pertains, after issuing a check card from a predetermined card company to a predetermined customer within the scope of not violating the core technical matters of the present invention with reference to FIG. Customer credit-based cash for resolving the customer account balance shortage (or non-debit processing through the customer account) if the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during payment. Various implementation methods for entering into a contract for generating a service / card loan may be easily inferred, and reference may be made to the system configuration shown in FIG. It is to be clearly understood that the present invention is not limited thereto.

Referring to FIG. 3, the information registration server (or device) 100 performs the check card payment to the check card issuing customer based on the customer information included in the check card information stored in the storage medium 130. In the event of a customer account balance shortage (or inability to debit through the customer account) associated with a customer account, a customer credit-based cash advance / card loan may be generated to resolve the customer account balance shortage (or inability to debit through the customer account). And a customer credit checker 320 to check whether there is a customer credit, and the procedure of checking the customer credit by the customer credit checker 320 is defined in each card company (or financial company). It is preferred to follow the established customer credit check procedure, which does not limit the invention.

According to an embodiment of the present invention, when the check card information, the contract conclusion information, and the contract processing information are stored in the storage medium 130 in association with the check card issuing system shown in FIG. 1A or 1B, the The customer credit checker 320 lacks the balance of the customer account associated with the check card (or debit processing through the customer account) of the check card payment issued to the customer based on the customer information included in the check card information. And verifying that there is a customer credit that can generate a customer credit-based cash service / card loan to solve the shortage of the customer account balance (or non-debit processing through the customer account). If there is a customer credit that can generate a cash advance / card loan, the contracting information stored in the storage medium 130 and Is to enable the information processing information are preferred.

According to another exemplary embodiment of the present invention, when only the check card information is stored in the storage medium 130 through the check card issuing system shown in FIG. 1A or 1B, the customer credit checker 320 checks the check. In the case of the check card payment issued to the customer based on the customer information included in the card information, when the customer account balance associated with the check card is insufficient (or debit processing through the customer account), the customer account balance is insufficient (or the Check whether there is a customer credit that can generate a customer credit-based cash service / card loan to solve the debit processing through the customer account), and the customer can generate the cash service / card loan as a result of the verification. If credit exists, the check card information is sent to the customer between the check card customer and the card company (or financial company). A customer for resolving the shortage of the customer account balance (or the non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during the corresponding check card payment. It is desirable to proceed to enter into agreements to generate credit-based cash advances / card loans.

Referring to FIG. 3, only the check card information is stored in the storage medium 130 through the check card issuing system shown in FIG. 1 a or 1 b, and / or the customer credit checker 320 may store the check card information. If it is confirmed that there is a customer credit to conclude the agreement with the customer, the information registration server (or device) 100 is based on the customer information included in the check card information stored in the storage medium 130 Agreement information providing unit 310 for providing a customer credit-based cash service / card loan agreement information for the contract between the check card customer and the card company (or financial company) to the customer terminal 300 of the check card issuing customer; A contract approval processing unit 315 for receiving contract agreement information corresponding to the customer credit-based cash service / card loan agreement information from the client terminal 300 and approving the contract agreement; When the contract is approved between the card company (or financial company) and the check card issuing customer by the contract approval processing unit 315, the information generating unit 115 generating contract processing information corresponding to the contract conclusion information. And an information storage unit 120 for processing the medicine-taking information and the contract processing information in association with the check card information and storing the medicine-taking information in the storage medium 130.

The agreement information providing unit 310 is a predetermined customer terminal 300 is connected to the information registration server (or device) 100 via a predetermined network 305 and / or communication means 305 and a predetermined customer When the user logs in through the information, the check card customer corresponding to the customer terminal 300 pays the check card based on the customer information included in the check card information stored in the storage medium 130 based on the customer information. Customer credit-based cash service for resolving the customer account balance shortage (or non-debit processing through the customer account) when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) Check if a contract that generates a card loan is concluded, and if the contract is not concluded, a predetermined customer credit-based cash service / card loan agreement for the conclusion of the agreement to the customer terminal 300. It characterized in that it provides information.

According to one embodiment of the invention, the agreement information providing unit 310 in the predetermined customer credit based cash service / card loan agreement information for the conclusion of the agreement to the customer terminal 300, the customer credit confirmation It is possible to selectively provide customer credit-based cash service / card loan agreement information only to a check card customer that has a customer credit capable of generating the cash service / card loan by the unit 320, whereby the present invention is not limited thereto. No.

In addition, the agreement information providing unit 310 has been issued a predetermined check card through the check card issuing system shown in Figure 1a or 1b, but the balance of the customer account associated with the check card during the check card payment ( Or a customer who has not entered into an agreement to generate a customer credit-based cash advance / card loan to address the lack of customer account balance (or non-debit processing through the customer account) upon debit processing through the customer account). The customer credit checker 320 provides the customer information based on the customer credit-based cash service / card loan agreement for the conclusion of the agreement to a check card customer having customer credit capable of generating the cash service / card loan. Do it.

According to the implementation method of the present invention, the customer credit-based cash service / card loan agreement information is the balance of the customer account associated with the check card of the check card payment issued to the customer between the check card customer and the card company (or financial company) Customer credit processing terms and conditions that result in customer credit-based cash advances / card loans in case of a shortage (or inability to process debits through the customer's account) to address the shortage of the customer's account balance (or inability to process debits through the customer's account); and / Or contract agreement terms, and when the check card customer agrees to the agreement terms, the information registration server (or device) 100 receives predetermined agreement agreement information corresponding to the agreement agreement. It is preferable.

When the agreement approval processing unit 315 receives agreement agreement information corresponding to the customer credit-based cash service / card loan agreement information provided through the agreement information provider 310 from the customer terminal 300, the agreement is received. Integrity and nonrepudiation of the fastening information are secured.

According to an exemplary embodiment of the present invention, when the electronic signature of the check card customer is received with the contract conclusion information received from the customer terminal 300, the contract approval processing unit 315 confirms the electronic signature. By doing so, it is desirable to secure the integrity and nonrepudiation of the agreement information.

According to another exemplary embodiment of the present invention, the agreement approval processing unit 315 is connected to the wireless terminal of the check card customer based on the agreement conclusion information received from the customer terminal 300 integrity of the agreement conclusion information And non-repudiation. For example, the agreement approval processing unit 315 generates a predetermined authentication number and transmits it to the wireless terminal of the check card customer, and transmits the authentication number to the agreement approval processing unit 315 through the customer terminal 300. By doing so, it is possible to secure the integrity and non-repudiation of the agreement information.

The information generator 115 receives the contract conclusion information from the customer terminal 300, and / or after the contract approval processing unit 315 secures the integrity and non-repudiation of the contract conclusion information, When the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during check card payment based on the contract execution information, the customer account balance is insufficient (or debit processing through the customer account) Generating predetermined contract processing information for performing a procedure of generating a customer credit-based cash service / card loan to solve the problem, wherein the contract processing information is the customer credit-based cash service / card loan during the check card payment. Agreement processing condition information for generating a credit card, limit amount information for the customer credit-based cash service / card loan, and the limit payment The amount calculation information for calculating a predetermined cash service / card loan amount in the amount information, and the communication channel connection state between the card company (or financial company) and the financial system 665 in which the customer account associated with the check card is opened. According to the calculated cash service / card loan amount comprises at least one or more customer credit-based cash service / card loan management policy information for solving the shortage of the customer account balance (or debit processing through the customer account).

The information storage unit 120, when the contract processing information corresponding to the contract conclusion information is generated by the information generating unit 115, the contract conclusion information to the check card information previously stored in the storage medium 130 And the agreement process information in association with each other and stored in a storage medium 130 managed by a predetermined DBMS 125 and / or DB server 125.

4A and 4B illustrate a process of confirming the possibility of contract conclusion for providing a customer credit-based cash service / card loan service during check card payment after issuing a check card according to an embodiment of the present invention.

In more detail, FIGS. 4A and 4B show the card company (or financial company) after issuing a predetermined check card from a predetermined card company (or financial company) to a predetermined customer through the check card issuing system shown in FIGS. 1A and 1B. When the check card payment between the customer and the customer account balance associated with the check card is insufficient (or debit processing through the customer account), the customer account balance shortage (or debit processing through the customer account) is resolved As an embodiment of a process for signing an agreement for generating a customer credit-based cash service / card loan, the person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIGS. 4a and 4b. After issuing a check card from a given card company to a given customer within the scope of violating the core technical matters of the invention, the check card is being settled. Customer credit-based cash services to resolve the lack of customer account balance (or non-debit processing through the customer account) if the customer account balance associated with the check card is insufficient (or debit processing through the customer account); It will be easy to infer various implementation methods for signing arrangements for generating card loans, and with reference to the methods shown in Figures 4a and 4b and / or by modifying portions of the methods, respectively. It is to be apparent that the invention is not limited. For example, based on the customer information included in the check card information stored in the storage medium 130 as shown in Figures 4a and 4b customer credit-based cash service during check card payment according to the present invention to the check card customer It is also possible to confirm after the agreement is requested from the check card customer without first confirming whether the card loan service is provided, and the present invention is not limited thereto. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 4A, a predetermined check card is issued to the customer through the check card issuing systems shown in FIGS. 1A and 1B, and predetermined check card information corresponding to the check card is stored on the storage medium 130. After storing, the server extracts predetermined check card information (first check card information) from the storage medium 130 (400a) and uses the customer information included in the extracted check card information to check card. Check whether it is possible to provide a customer credit based cash advance / card loan service according to the present invention during payment (405a).

If the customer credit based cash service / card loan service according to the present invention cannot be provided among the check card payments corresponding to the extracted check card information (first check card information) (for example, the cash service / card loan to the check card customer) (410a), the server may provide the customer credit based cash service / card loan service according to the present invention during the check card payment to the check card information stored in the storage medium 130. And store (415a) a predetermined customer credit-based cash advance / card loan service unavailable flag, including no, other check card information (second check card information, third check card information, etc.) from the storage medium 130; ..., Nth check card information) is extracted (420a), and using the customer information included in the extracted check card information. Repeat the process to make sure you can provide a different customer credit based cash / card loans service.

On the other hand, if it is possible to provide a customer credit based cash service / card loan service according to the present invention among the check card payments corresponding to the extracted check card information (first check card information) (for example, the cash service / card loan to the check card customer). (410a), the server may provide a customer credit-based cash service / card loan service according to the present invention during the check card payment to the check card information stored in the storage medium 130. A predetermined customer credit-based cash advance / card loan service capable flag, including capable, may be stored in association (425a).

Thereafter, the server periodically checks whether a predetermined check card customer connects to the server through a predetermined customer terminal 300 and logs in through predetermined customer information for the check card customer (430a).

If it is not confirmed that the check card customer has logged in to the server (435a), the server checks other check card information (second check card information, third check card information, ..., from the storage medium 130). Extract the Nth check card information (420a) and check whether the customer credit-based cash service / card loan service according to the present invention can be provided during the check card payment using the customer information included in the extracted check card information. Repeat the process.

On the other hand, if it is confirmed that the check card customer has logged in to the server (435a), the customer credit-based cash service / card loan service available flag stored in association with the check card information from the storage medium 130 through the customer information is provided. Check whether it is possible to provide a customer credit-based cash service / card loan service among check card payments using the check card issued to the check card customer (440a).

If it is possible to provide the customer credit-based cash service / card loan service during the check card payment using the check card to the check card customer as a result of checking the flag for providing the customer credit-based cash service / card loan service, through the process as shown in FIG. If the balance of the customer's account associated with the check card (or debit processing through the customer's account is not possible) during check card payment between the check card customers, such as the credit card company (or financial company), the balance of the customer account is insufficient (or the customer). Enter into a commitment to generate customer credit-based cash advances / card loans to resolve direct debit through your account.

Referring to FIG. 4B, a predetermined check card is issued to the customer through the check card issuing systems shown in FIGS. 1A and 1B, and predetermined check card information corresponding to the check card is stored on the storage medium 130. After is stored, the server extracts predetermined check card information (first check card information) from the storage medium 130 (400b), the check card using the customer information included in the extracted check card information Check whether it is possible to provide a customer credit-based cash service / card loan service according to the invention during the payment (405b).

If the customer credit based cash service / card loan service according to the present invention cannot be provided among the check card payments corresponding to the extracted check card information (first check card information) (for example, the cash service / card loan to the check card customer) If it is not possible to generate customer credit for the service (410b), the server checks the other check card information (second check card information, third check card information, ..., Nth check card) from the storage medium 130. Information) (415b), and repeats the process of checking whether the customer credit-based cash service / card loan service according to the present invention can be provided during the check card payment using the customer information included in the extracted check card information. do.

On the other hand, if it is possible to provide a customer credit based cash service / card loan service according to the present invention among the check card payments corresponding to the extracted check card information (first check card information) (for example, the cash service / card loan to the check card customer). (410b), the server issues the check card to the customer terminal 300 of the check card customer based on the customer information included in the check card information stored in the storage medium 130. During the check card payment using the check card that has been requested to request a customer credit-based cash service / card loan service according to the present invention (420b), the customer terminal 300 is connected to the server to the present invention of the check card payment Check whether the customer applies for a customer credit-based cash advance / card loan service (425b).

If the customer terminal 300 does not apply for the customer credit-based cash service / card loan service according to the present invention among the issued check card payment to the server (430b), the server checks another check from the storage medium 130 Extract card information (second check card information, third check card information, ..., N-th check card information) (415b), and pay the check card using the customer information included in the extracted check card information. The process of checking whether the customer credit-based cash service / card loan service according to the present invention can be provided is repeated.

On the other hand, if the customer terminal 300 applies for the customer credit-based cash service / card loan service according to the present invention of the check card payment issued to the server (430b), the server through the process shown in Figure 5 the card company ( Or when a customer account balance associated with the check card is insufficient (or cannot be debited through the customer account) during check card payment among check card customers, such as a financial company), or the customer account balance is insufficient (or debit through the customer account). Enter into an arrangement that will generate a customer credit-based cash advance / card loan to resolve the issue.

5 is a diagram illustrating a process of signing an agreement for providing a customer credit-based cash service / card loan service during check card payment after issuing a check card according to an embodiment of the present invention.

In more detail, FIG. 5 confirms the possibility of customer credit-based cash service / card loan service during check card payment as shown in FIG. 4A or FIG. 4B, and then checks the check card during the check card payment between the card company (or financial company) and the customer. Generating a customer credit-based cash advance / card loan to resolve the customer account balance shortage (or non-debit processing through the customer account) when the customer account balance associated with the customer account is insufficient (or debit processing through the customer account). As an implementation method for the process of concluding an agreement, a person having ordinary knowledge in the technical field to which the present invention belongs, with reference to this figure 5, does not violate the core technical matters of the present invention at a predetermined card company. After issuing a check card to a predetermined customer, the balance of the customer account associated with the check card during payment of the check card (Or inability to process debits through the customer's account), implement various arrangements to create a customer credit-based cash advance / card loan to address the shortage of the client's account balance (or debit through the customer's account). The method may be easily inferred, and it will be apparent that the present invention is not limited to each method of implementation by referring to the method shown in FIG. 5 and / or by modifying a part of the method. Hereinafter, the information registration server (or device) 100 is referred to as a "server" for convenience.

Referring to FIG. 5, as shown in FIG. 4A or FIG. 4B, the possibility of customer credit-based cash service / card loan service is confirmed during check card payment, and when the check card customer accesses the server through a predetermined customer terminal 300. The server may display a customer credit-based cash service / card loan service application interface screen during a predetermined check card payment to conclude a customer credit-based cash service / card loan service agreement among check card payments according to the present invention. 500 and check whether the customer credit-based cash service / card loan service request according to the present invention is requested during the check card payment from the customer terminal 300 through the interface screen (505).

According to an embodiment of the present invention, the interface screen preferably includes a user interface for a check card customer to apply for a customer credit-based cash service / card loan service according to the present invention during check card payment.

If the customer credit-based cash service / card loan service application according to the present invention during the check card payment from the customer terminal 300 is confirmed through the interface screen (510), the server is the storage medium through the check card customer information Extracting the check card information and predetermined contract conclusion information issued to the customer from 130 (515), the customer credit-based cash service / card loan service according to the present invention during the payment processing using the check card information and the check card; By providing commitment information to the customer terminal 300, the customer requests to approve the customer credit based cash advance / card loan service agreement according to the present invention (520).

If the customer does not approve a customer credit-based cash service / card loan service agreement according to the present invention during check card payment (525), the server makes a payment using the check card between the card company (or financial company) and the customer. The process of signing a customer credit-based cash advance / card loan service arrangement in accordance with the present invention is suspended during processing.

On the other hand, if it is confirmed that the customer approves the customer credit-based cash service / card loan service agreement according to the present invention during check card payment (for example, the customer checks the customer credit-based cash service / card loan according to the present invention during check card payment). (525), the server generates predetermined contract processing information corresponding to the customer credit based cash service / card loan service contract information during the check card payment. In operation 530, the check card information pre-stored in the storage medium 130, the contract conclusion information, and the generated contract processing information are interlinked to store the storage medium 130 (535).

6 is a diagram illustrating a system for providing a cash service / card loan service using a check card according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that a merchant having a predetermined payment terminal device 700 lacks a balance of a customer account associated with the check card during an electronic payment process through a predetermined check card (or through the customer account). If debit processing is not possible), credit is generated for the customer according to an agreement between the customer and the credit card company, thereby generating a cash service and / or a card loan with a predetermined amount as collateral for the customer credit. After that, the present invention relates to an embodiment of a system for processing the check card payment by depositing the cash service / card loan amount to the customer account, if the person skilled in the art to which the present invention pertains, this figure 6) Cash services / cards based on the above customer credits, in accordance with the agreements between the customer and the credit card company during the payment of the check card, with reference to and / or 6 Various system configurations (e.g., secure clicks of VISA, and / or National / BC Internet Security Payments) to generate loans to address the lack of customer account balances (or debit processing through the customer's account). Through the online payment card payment system corresponding to the Security Payment (ISP), a cash service / card loan based on the customer's credit is generated according to a contract signed between the customer and the card company during payment of the check card. It can be implemented by inferring the system configuration to solve the debit processing impossibility through the customer account), but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG. It is to be revealed.

The system for resolving the shortage of the customer account balance (or non-debit processing through the customer account) by generating a cash service / card loan based on the customer credit in accordance with the contract signed between the customer and the card company during check card payment is A payment terminal device 700 provided in at least one affiliated store and providing a check card payment, the payment terminal device 700 provided in at least one or more affiliated stores, and a predetermined payment network 655 (eg, a VAN ( Value Added Network)), which is provided to the card company (or financial company) that issued the check card, performs the check card payment process, and the customer credit according to the agreement between the customer and the card company during the check card payment. Payment server 660 for generating a cash service / card loan based on, and is connected through the payment server 660 and a predetermined financial network 660, the sieve And characterized by comprising comprises a financial account is a financial system 665 in conjunction with an established card.

The payment terminal device 700 is basically provided with a credit card payment function, characterized in that it comprises a credit inquiry terminal (Credit Authorization Terminal; CAT) equipped with a check card payment function according to the present invention.

The financial system 665 is characterized in that at least one or more financial accounts associated with the check card is opened, the account system for processing a window service such as credit or reception or trust or foreign exchange occurring at at least one branch ( 675), an information system 680 for processing headquarters operations, branch office information support, and customer information management; and an external computer network including the financial system and homes, businesses, stores, and card companies (or financial companies). External system 670 that provides electronic banking services (e.g., Internet banking, phone banking, Cash Dispenser), Automatic Teller Machine (ATM), line transfer, call center, financial settlement, etc., and components within the financial system. The interface module 690 corresponding to the middleware platform providing inter-interface, and for each function in the components of the financial system. It includes a DBMS (Database Management System) 685 that stores and manages certain information required (e.g., financial account (or financial product), customer ledger information, or management information, etc.), and And / or foreign exchange modules (not shown), investment finance modules (not shown), or international modules (depending on the type of each financial institution (eg commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system). It is possible to further include at least one or more components, such as not shown, by which the present invention is not limited.

According to the method of the present invention, the financial system 665 is characterized in that at least one or more financial accounts associated with at least one check card is opened, the external system 670 of the financial system 665 is It is preferable that the predetermined communication network is connected to the payment server 660 provided in the card company (or financial company) that issued the check card through a predetermined financial network 660 based on a predetermined transaction protocol. To this end, the external system 670 is preferably provided with a check card unit for connecting a communication channel with the payment server 660 based on the transaction protocol.

According to the present invention, the financial system 665, when the payment server 660 requests the approval of 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 665 The check card based debit processing requested by the card company (or financial company) is approved or rejected.

The payment server 660 generates a cash service / card loan based on the customer credit in accordance with the agreement between the customer and the card company during the check card payment according to the present invention, the lack of the customer account balance (or the customer account) It is characterized in that it is provided in the card company (or financial company) that issued the check card in order to solve the debit processing through), the predetermined financial network 660 (eg, at least one card company (or financial company) and the financial system ( Dedicated communication network for connecting 665) is characterized in that the financial account associated with the check card is connected to the opened financial system (665).

According to an embodiment of the present invention, the payment server 660 may include card information (eg, a check card number, etc.) corresponding to a predetermined check card issued to the card customer by the card company (or financial company) and the check card. Check card information including at least one predetermined member account information (for example, a member bank code, a member account number, a member branch code, etc.) in which a financial account linked to the check card is opened, and the customer information of the member. And, when the customer account balance is insufficient (or debit processing through the customer account) during the electronic payment process using the check card, generating a cash service / card loan based on the customer credit to run out of the customer account balance (or On the basis of the contract conclusion information and the contract conclusion information entered into between the customer and the card company to solve the debit processing through the customer account) A storage medium 130 for generating the customer credit and linking and storing contract processing information for generating a predetermined cash service / card loan through the generated credit, and / or a predetermined network and / or It is preferable to interface with the storage medium 130 through an interface means.

According to one embodiment of the present invention, the payment server 660 comprises at least one or more servers (or devices), and / or includes a function configuration unit according to the present invention in a predetermined server (or device). It is possible to achieve all, by which the present invention is not limited.

Referring to FIG. 6, the payment server 660 may include a specialized receiver configured to receive a check card-based payment approval request message from at least one payment terminal device 700 provided at an affiliate store through a predetermined payment network 655 ( 605, an information reading unit 610 for reading the payment approval request text and extracting necessary information for a check card payment processing, and the payment server 660 and the financial system 665 based on the extracted information. An approval processing unit 615 for generating an approval result corresponding to the check card payment processing by performing the check card payment approval procedure based on a transaction protocol defined therebetween, and a predetermined check card based payment including the approval result A full text generation unit 640 for generating a full text of approval, and a full text transmission unit 6 for transmitting the generated full text of the payment approval to the payment terminal device 700 through the payment network 655. 45), wherein the approval processing unit 615 lacks a customer account balance associated with the check card in the approval result corresponding to the check card payment processing (or debit processing is not possible through the customer account). If a check card payment authorization result corresponding to the and / or a check card payment authorization error code is included, check whether there is an agreement between the customer and the card company to generate a cash service / card loan based on the customer credit. Characterized in that it further comprises the approval.

In accordance with the present invention, according to the agreement between the customer and the card company during the payment of the check card to generate a cash service / card loan based on the customer credit to solve the shortage of the customer account balance (or non-debit processing through the customer account) The payment server 660 for generating a cash service / card loan based on the customer credit when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during the check card payment. If a contract is already concluded, the cash for resolving the shortage of the customer account balance (or non-debit processing through the customer account) associated with the check card by generating credit for the customer based on the contract. A customer credit generator 630 for generating services and / or card loans and the generated customer credit-based cash services / card loans. A cash service / card loan processing unit that calculates a corresponding service amount, transfers the calculated service amount to a customer account associated with the check card, or processes the check card payment to be approved based on the calculated service amount. 635 is provided.

According to the implementation method of the present invention, the payment server 660 is concluded between the customer and the card company when the balance of the customer account associated with the check card (or debit processing through the customer account impossible) during the check card payment And a customer approval processing unit 650 for notifying the customer of generating a cash service / card loan based on the customer credit according to the agreed agreement, and processing the customer approval for the customer.

The specialized receiving unit 605 is the payment terminal device 700 through a predetermined payment network 655 according to a check card payment transaction protocol defined between at least one or more payment terminal device 700 and the card company (or financial company). And receiving at least one electronic payment request message of a check card-based payment approval request message or a credit card-based payment approval request message from the user, and the received electronic payment request message is provided to the information reading unit 610. do.

The information reading unit 610 reads each payment approval request full text structure received through the text receiving unit 605, so that the payment approval request text received from the payment terminal apparatus 700 is credit card based payment approval. It is characterized by checking whether the request is a full text or a check card-based payment approval request.

In addition, when the read result of the received payment approval request full text is a payment approval request for check card payment (or check card-based debit processing) according to the present invention, the information reading unit 610 from the payment approval request text And extracting predetermined check card payment approval-related information (or check card-based debit processing approval information) (eg, check card number, payment amount, etc.) for performing a check card payment approval procedure. The check card payment approval related information is provided to the approval processing unit 615.

The approval processing unit 615 is a payment approval unit 620 performing a check card payment approval procedure (or check card based debit processing approval process) based on the extracted check card payment approval related information, and the check card payment of the When the customer account balance associated with the check card is insufficient (or debit processing through the customer account), the customer and the card company on the storage medium 130 based on the contract information stored in association with the check card and the information stored on the storage medium 130 In accordance with the agreement concluded in the intermittent agreement service approval unit 625 for approving the generation of cash services / card loans based on the customer credit.

According to the method of the present invention, when the read result of the information reading unit 610, the received payment approval request full text is a credit card payment request full text, the credit card based payment approval request full text is a predetermined credit settlement approval unit 620 (Not shown), and when the received payment approval request text is a check card-based payment approval request text according to the present invention, the check card-based payment approval request text is settled by the approval processing unit 615. It is preferably processed by the approval unit 620.

The payment approval unit 620 corresponds to a check card payment approval related information (or check card based debit processing approval related information) extracted from the check card-based payment approval request full text through the information reader 610. A predetermined payment fee is calculated based on the payment amount, and a predetermined approval request amount is calculated by adding the calculated payment fee and the payment amount.

In addition, the payment approval unit 620 corresponds to the check card payment approval information (or check card-based debit processing approval information) extracted from the full check card-based payment approval request through the information reader 610. Based on a predetermined check card number, from the storage medium 130, member account information including a member bank code, a member account number, and a member branch code in which a customer account associated with the check card is opened is extracted. .

According to the implementation method of the present invention, when the payment approval unit 620 performs the debit processing through the member account associated with the check card, the payment information of the predetermined member account book to be printed on the account book corresponding to the member account. It is desirable to produce more.

Thereafter, the payment approval unit 620 calculates the check card number and the calculation based on a transaction protocol defined between the card company (or financial company) and the financial system 665 through a predetermined financial network 660. A predetermined debit including the 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 130, the member branch code and the contents of the member bank account; Characterized in that the full text of the processing approval request.

In addition, the payment approval unit 620 transmits the generated debit processing approval request message to the financial system 665 through the financial network 660, and through the financial network 660 The debit processing approval result text corresponding to the debit processing approval request full text is received from the financial system 665, and the debit processing approval result is provided to the full text generation unit 640.

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 the customer account associated with the check card is less than the authorization request amount, the financial system 665 may include a debit authorization result message including a check card based debit rejection result and / or a debit error code. Generate and transmit to the payment server 660.

The agreement approval unit 625 reads the payment result of the debit authorization result message received by the payment approval unit 620 from the financial system 665, and the balance of the customer account associated with the check card in the debit authorization result preamble. If a check card based debit rejection result and / or a debit processing error code corresponding to a shortage (or debit processing through the customer account) is included, the check card payment authorization extracted from the full check card based payment authorization request is included. The check of payment of the check card by checking the contract settlement information associated with the check card from the storage medium 130 based on a predetermined check card number corresponding to the information (or check card-based debit processing authorization related information). Cash based on the customer's credit in the event that the customer's account balance associated with the card is insufficient (or no direct debit through the customer's account). It is characterized by confirming that an agreement for generating a service / card loan is concluded and approving the agreement concluded between the customer and the card company.

As a result of agreement confirmation and approval by the agreement approval unit 625, when a contract for generating a cash service / card loan based on the customer credit is concluded between the customer and the card company, the customer credit generation unit 630 checks the check. It is associated with the check card from the storage medium 130 based on a predetermined check card number corresponding to the check card payment approval related information (or the check card based debit processing approval information) extracted from the full card-based payment approval request. Extracting commitment processing information, and generating credit for the customer based on the commitment processing information.

According to an exemplary embodiment of the present invention, the customer credit generation unit 630 based on the agreement concluded between the customer and the card company, out of the customer account balance associated with the check card of the check card payment (or the customer It is desirable to generate customer credit for the cash advance / card loan.

According to another embodiment of the present invention, a predetermined credit card previously issued to the customer exists in the card company (or financial company) that issued the check card to the customer, and / or the check card is issued to the customer. If there is a predetermined credit card previously issued to the customer in at least one or more other card companies (or financial companies) linked to one card company (or financial company), the customer credit generation unit 630 is concluded between the customer and the card company When the balance of the customer account associated with the check card is insufficient (or debit processing through the customer account) during the payment of the check card with reference to the agreement and the customer credit corresponding to the credit card, for the cash service / card loan It is desirable to generate customer credit, thereby limiting the present invention.

According to another exemplary embodiment of the present invention, when a credit rating institution (not shown) is provided with credit information about the check card user, the customer credit generation unit 630 is concluded between the customer and the card company. Insufficient balance of the customer account associated with the check card during the check card payment (or debit through the customer account) by referring to the agreement and the credit information of the check card using customer provided in the credit rating agency (not shown) In the case of no processing), it is preferable to generate a customer credit for the cash service / card loan, and the present invention is not limited thereby.

According to one embodiment of the present invention, the customer credit generated by the customer credit generation unit 630 based on the contract processing information is insufficient of the customer account balance associated with the check card during check card payment (or the customer account). Debit processing), the authorization request amount calculated based on the payment amount corresponding to the check card payment approval information (or check card-based debit processing authorization information) extracted from the check card-based payment authorization request full text. It is desirable to include customer credit for cash advances / card loans for the corresponding amounts.

According to another embodiment of the present invention, the customer credit generated by the customer credit generation unit 630 based on the contract processing information is insufficient of the customer account balance associated with the check card during check card payment (or the customer account). Debit processing through ()), the authorization request amount calculated based on the payment amount corresponding to the check card payment approval information (or check card based debit processing authorization information) extracted from the check card-based payment authorization request full text ( Or a customer credit for a cash service / card loan for an amount corresponding to a partial amount corresponding to a shortage of the customer account balance (or non-debit processing through the customer account) of the payment amount).

According to another exemplary embodiment of the present invention, the customer credit generated by the customer credit generation unit 630 based on the contract processing information is insufficient in the customer account balance associated with the check card during check card payment (or the customer). The amount corresponding to the total credit limit for the payment authorization request requested through the check card until the shortage of the customer account balance (or no direct debit processing through the customer account) is resolved. It is desirable to include customer credit for cash advances / card loans, and the invention is not limited thereby.

When the customer credit balance is insufficient (or debit processing through the customer account) of the check card payment by the customer credit generation unit 630 (or debit processing through the customer account), according to the contract signed between the customer and the card company When a customer credit is generated to solve the shortage of the linked customer account balance (or debit processing through the customer account) through the cash service / card loan of the customer, the cash service / card loan processing unit 635 performs the contract processing information. Calculating a service amount corresponding to a predetermined cash service / card loan based on the generated customer credit.

According to an exemplary embodiment of the present invention, the service amount corresponding to the cash service / card loan calculated based on the customer credit is check card payment approval related information (or check card) extracted from the full payment card-based payment approval request. It is preferable to include the amount corresponding to the authorization request amount calculated based on the payment amount corresponding to the base debit processing approval information).

According to another exemplary embodiment of the present invention, the service amount corresponding to the cash service / card loan calculated based on the customer credit is information related to the check card payment approval (or check card) extracted from the check card-based payment approval request text. Corresponding to a partial amount corresponding to the shortage of the customer account balance (or debit processing through the customer account) of the authorization request amount (or the payment amount) calculated based on the payment amount corresponding to the base debit processing approval information) It is preferable to include the amount of money to be made.

According to another embodiment of the present invention, the service amount corresponding to the cash service / card loan calculated on the basis of the customer credit is solved when the shortage of the customer account balance (or the inability to process the debit through the customer account) is resolved. It is preferable to include the amount corresponding to the total credit limit for the payment approval request requested through the check card, by which the present invention is not limited.

According to an exemplary embodiment of the present invention, the payment server 660 and the financial system 665 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660, and the contract processing information is transmitted. When the service amount corresponding to the predetermined cash service / card loan is calculated based on the generated customer credit, the cash service / card loan processing unit 635 calculates a predetermined cash service / card loan service fee (or card company) in the service amount. (Or may be omitted in accordance with a financial company) policy) and / or a predetermined account transfer fee corresponding to the financial system 665 (or may be omitted in accordance with a business partnership between the card company (or financial company) and the financial system 665). Calculates a transfer amount, and the calculated transfer amount through the financial network 660 is provided in the financial system 665 (or associated with the financial system 665); Withdrawal from the card company (or financial company) mother account provided in another financial system is characterized in that the transfer to the customer account associated with the check card.

Thereafter, the cash service / card loan processing unit 635 requests the payment approval unit 620 of the approval processing unit 615 to perform the check card based payment approval procedure, whereby the check card based payment approval request is performed. Payment is approved through a cash advance / card loan based on customer credit.

According to another exemplary embodiment of the present invention, the payment server 660 and the financial system 665 are not connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660 (or the communication channel is Blocked), if the service amount corresponding to a predetermined cash service / card loan is calculated based on the generated customer credit based on the contract processing information, the cash service / card loan processing unit 635 A predetermined cash service / card loan service fee (or may be omitted according to the card company (or financial company) policy) and / or a predetermined account transfer fee (or card company (or financial company) and financial system 665 corresponding to the financial system 665). ), Calculates the amount of the account transfer, which can be omitted according to the business alliance), and the calculated account transfer amount through the financial network 660 the next day; And a financial system 665 connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660, and then provided to the financial system 665 (or other associated with the financial system 665). It is characterized in that the withdrawal from the card company (or financial company) mother account provided in the financial system to book the transfer to the customer account associated with the check card.

Thereafter, the cash service / card loan processing unit 635 requests the approval processing unit 615 to perform the check card-based payment approval procedure based on the transfer payment reservation, and the approval processing unit 615 may request the financial system ( Instead of linking with 665, the check card based payment approval request is processed to be approved through the cash service / card loan based on the customer credit. In this case, the cash service / card loan processing unit 635 next day when the payment server 660 and the financial system 665 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660. The card company provided with the financial system 665 (or with other financial systems associated with the financial system 665) through the financial network 660 based on the transfer account reservation; (Or financial company) withdraws from the mother account and transfers to the customer account associated with the check card, the payment approval unit 620 of the approval processing unit 615 is processed the day before based on the customer credit through the financial network 660 Characterized in that the post-approval procedure for the check card-based payment.

According to another exemplary embodiment of the present invention, the payment server 660 and the financial system 665 are not connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660 (or a communication channel). In the blocked state), a service amount corresponding to a predetermined cash service / card loan is calculated based on the generated customer credit on the basis of the agreement processing information, and between the payment server 660 and the financial system 665. After a predetermined business alliance (e.g., omitting the actual account transfer procedure for the calculated service amount, and depositing the account transfer amount in the bank account of the customer account) When a business alliance for printing to the account book is automatically concluded with the check card payment amount, the cash service / card loan processing unit 635 performs the service money. A predetermined cash service / card loan service fee (or may be omitted in accordance with a card company (or financial company) policy) and / or a predetermined account transfer fee fee (or card company (or financial company) and financial system corresponding to the financial system 665). (665) can be omitted in accordance with the business alliance between the two) to calculate the total amount of the transfer, the next day the transfer amount is the payment server 660 and the financial system 665 through the financial network 660 After the predetermined communication channel corresponding to the transaction protocol is connected, it is scheduled to be automatically processed according to the business cooperation procedure.

Thereafter, the cash service / card loan processing unit 635 requests the approval processing unit 615 to perform the check card based payment approval procedure based on the automatic processing reservation, and the approval processing unit 615 requests the financial system ( Instead of linking with 665, the check card based payment approval request is processed to be approved through the cash service / card loan based on the customer credit. In this case, the cash service / card loan processing unit 635 next day when the payment server 660 and the financial system 665 are connected to a predetermined communication channel corresponding to a predetermined transaction protocol through the financial network 660. Withdraw the account transfer amount from the credit card company (or financial company) mother account through the financial network 660 based on the automatic processing reservation, deposit the money into the customer account associated with the check card, and withdraw the money from the account account ( Or a financial institution).

The full text generation unit 640 includes a check card-based debit processing approval result, and generates a predetermined payment approval text corresponding to the full text of the check card-based payment approval request. Is provided to the specialized transmission unit 645.

The specialized transmission unit 645 transfers the payment approval message generated by the specialized generation unit 640 according to a transaction protocol defined between the card company (or financial company) and the payment terminal device 700. Characterized in that the transmission to the payment terminal device 700 through the (655), the payment terminal device 700 receives the payment approval full text and a predetermined check card corresponding to the check card based debit processing approval result A payment completion procedure (eg, check card payment receipt output, etc.) is performed.

The customer approval processing unit 650 may check the customer account balance when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during check card payment between the card company (or financial company) and the customer. At the time of issuing the check card after entering into a predetermined agreement for generating a customer credit-based cash service / card loan to solve the shortage (or non-debit processing through the customer's account), or the check card based electronic payment after entering into the agreement Signing between the customer and the card company before providing the service for the first time or at the time of providing the check card-based electronic payment service for the first time after the conclusion of the agreement, or at the time of providing the check card-based electronic payment service after the conclusion of the agreement. To generate a cash advance / card loan based on the customer credit in accordance with the Request and process approval.

According to the agreement concluded between the customer and the card company in accordance with the present invention through the check card when the card card (or financial company) is issued a check card with the above agreement to the customer in accordance with the present invention The process of approving the generation of the cash service / card loan based on the customer credit may be performed according to the present invention on the check card issuance application form provided to the customer by the card company (or financial company). Generating a customer credit-based cash advance / card loan to resolve the customer account balance shortage (or non-debit processing via the customer account) when the customer account balance associated with the customer account is insufficient (or debit processing through the customer account). Request the approval for the request, and the customer approval processing unit 650 sends the approval result to the storage medium 130. It can be achieved by storing the associated customer information is stored.

According to another exemplary embodiment of the present invention, after the card company (or financial company) has concluded the above agreement to the customer, before providing the check card-based electronic payment service for the first time, or starting the check card-based electronic payment service for the first time. At the time of providing, the process of approving the generation of the cash service / card loan based on the customer credit in accordance with the agreement concluded between the customer and the card company in accordance with the present invention through the check card, the customer approval processing unit ( 650 is connected to the customer's wired terminal (e.g., a desktop computer or laptop connected to a TCP / IP based wired network) and / or a wireless terminal (e.g., a mobile communication terminal connected to a CDMA based mobile network, IEEE 802.1x based high speed wireless). A mobile Internet terminal connected to an internet communication network, Motorola's DataTAC method or Erricson's Mobitex method based wireless device In connection with a wireless data communication terminal connected to a mobile communication network) when the customer lacks a balance of a customer account associated with the check card (or debit processing through the customer account) during payment of the check card according to the present invention. Request authorization for generating a customer credit-based cash advance / card loan to address an insufficient account balance (or non-debit processing through the customer account), and receive the authorization result and store it in the storage medium 130 This can be done by linking and storing customer information.

According to another exemplary embodiment of the present invention, after the card company (or financial company) has concluded the above agreement to the customer, the check card-based electronic payment service is provided to the present invention through the check card at every time. According to the agreement concluded between the customer and the card company according to the approval of generating a cash service / card loan based on the customer credit, the customer approval processing unit 650 of the customer's wired terminal and / or wireless terminal In connection with the check card payment occurred to the customer through the predetermined payment terminal device 700, when the customer account balance associated with the check card (or debit processing through the customer account not possible), the customer account balance shortage ( Or to generate a customer credit-based cash advance / card loan to resolve debits through the customer's account). Request for approval, and receive the approval result to include in the check card payment history, and / or linked to the customer information stored in the storage medium 130.

In particular, in the process of receiving the customer credit-based cash service / card loan service of the check card payment according to the present invention through the check card, the customer approval processing unit 650 in conjunction with the wireless terminal of the present invention The process of requesting and processing an approval to a customer credit-based cash service / card loan service during check card payment according to the above procedure may include a predetermined wireless communication network (for example, CDMA-based mobile communication network and IEEE 802.1x-based high speed). Request access to the customer approval processing unit 650 from the wireless terminal through a wireless Internet communication network, a DataTAC / Mobitex based wireless data communication network (for example, if the wireless communication network is a mobile communication network, the wireless terminal including a callback URL to the customer wireless terminal) Send a message and allow the customer wireless terminal to access the customer approval processor 650 via the CallbackURL. Asks), the wireless station can be achieved by ensuring that inputs a password (symmetric key) to check the customer's credit card payment authorization based on a cash / card loans of service.

When the payment terminal device 700 is a client terminal supporting an online check card payment service according to an embodiment of the present invention, the customer credit-based cash service during the check card payment according to the present invention through the check card. In the process of receiving the / card loan service, the process of the customer approval processing unit 650 in connection with the wireless terminal of the customer requesting and processing the authorization to the customer credit-based cash service / card loan service of the check card payment according to the present invention is The client approval processing unit 650 generates a predetermined authentication number and transmits the authentication number to the client wireless terminal through a predetermined wireless communication network, and when the client wireless terminal inputs the authentication number to the client terminal, The authentication number is transmitted to the customer approval processing unit 650, and the customer approval processing unit 650 receives an image. It can be done by comparing the authentication code received from the authentication number and the client terminal sent to the customer radio terminals.

According to another exemplary embodiment of the present invention, when the payment terminal device 700 is an affiliated store terminal that supports an offline check card payment service, the customer credits cash based on the customer's credit card payment according to the present invention through the check card. In the process of receiving a service / card loan service, the customer approval processing unit 650 interoperates with the wireless terminal of the customer requesting and processing the authorization to the customer credit-based cash service / card loan service of the check card payment according to the present invention Before the check card payment is performed, the customer wireless terminal accesses the customer approval processing unit 650 through a predetermined wireless communication network, and generates a predetermined authentication number in the customer approval processing unit 650 to perform predetermined wireless. After transmitting to the customer wireless terminal through a communication network, the customer credit-based cash service during check card payment according to the present invention / Card loans may be made by sending in the course of the service provided to the billing server 660, the merchant terminal is input to the identification number, and including the identification code for the predetermined composite specialized authorization request to the merchant terminal.

In addition, the customer approval processing unit 650 in conjunction with the wireless terminal of the customer in the process of receiving the customer credit-based cash service / card loan service of the check card payment according to the present invention through the check card through the check card according to the present invention The process of requesting and processing an authorization to a customer credit-based cash service / card loan service during check card payment according to the present invention is performed by the customer credit-based cash service / card loan service during check card payment according to the present invention through the payment terminal device 700. In the process provided, the payment terminal 700 generates a predetermined authentication number and outputs it to the screen, and transmits the authentication number to the payment server 660 by including the predetermined approval message in full. By transmitting the authentication number displayed on the screen of the payment terminal 700 through the wireless terminal to the customer approval processing unit 650.

7 is a diagram illustrating a functional configuration of a payment terminal device 700 according to an embodiment of the present invention.

In more detail, Figure 7 relates to an embodiment of a payment terminal device 700 for processing a customer credit-based cash service / card loan service during check card payment, a person of ordinary skill in the art to which the present invention belongs If it is possible to infer various payment terminal apparatuses 700 to process customer credit-based cash services / card loan services during check card payment by referring to and / or modifying the present invention, the present invention is inferred by the above-described embodiment. It is important to note that it includes all the methods.

Referring to FIG. 7, the payment terminal device 700 basically includes a control unit 705, a memory unit 750, a card reader unit 710, a key input unit 720, a screen output unit 715, and a communication processing unit 730. And a power supply unit 725 for supplying power to the security application module 735, the print output unit 740, and the payment terminal device 700, at least one terminal function unit ( Omission).

The control unit 705 controls the overall operation of the payment terminal device 700 in the functional configuration, manages the flow of information or data between each component, customer credit-based cash services / card loans of the check card payment according to the present invention It is characterized by controlling the components provided in the payment terminal device 700 to process a service, and executes at least one or more processors including a central processing unit (CPU) / micro processing unit (MPU) in hardware Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing software-specific functions specific to the payment terminal device 700. A predetermined program routine which is loaded from a predetermined recording medium into the execution memory for processing by the processor A predetermined program and / or the check card recorded on a recording medium provided in the payment terminal 700 for processing the customer credit-based cash service / card loan service during payment of the check card. (E.g., the control unit 705 is provided with a component which can be processed by software among the functional components provided in the payment terminal device 700 to process the customer credit-based cash service / card loan service). It features.

According to the exemplary embodiment of the present invention, the control unit 705 includes components (for example, the memory unit 750, the card reader unit 710, the key input unit 720, and a screen) provided in the payment terminal device 700. The payment terminal device by interworking the output unit 715, the communication processing unit 730, the security application module 735 and the print output unit 740 and / or the terminal functional unit (not shown) according to the intention of those skilled in the art The configuration provided in the payment terminal device 700 for controlling and managing providing the check card payment service defined in 700, as well as for customer credit-based cash service / card loan service during check card payment according to the present invention. It is preferable to execute a program recorded on a recording medium provided in the payment terminal device 700 for controlling the elements by interworking with each other, and / or for customer credit-based cash service / card loan service during payment of the check card.

The memory unit 750 input / output 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 700 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 705 is a predetermined program routine and program data required to perform 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 750 may store a storage area for storing payment processing approval details using the check card, and correspond to a customer credit-based cash service / card loan service generated during check card payment according to the present invention. It is preferable to have a storage area for storing check credit processing details.

The customer who requests a customer credit-based cash service / card loan service during check card payment according to the present invention through the payment terminal device 700 is based on the ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, and / or ISO Have (or own) a contact IC card (or wireless IC chip) based on the / IEC 7816 standard, and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card is preferably provided with a payment means including at least one credit card, debit card, debit card, cash card, financial account.

The card reader unit 710 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 method of the present invention, the card reader unit 710 is an MS reader unit for providing an interface between the MS card and the payment terminal device 700, and / or the contact IC card and the payment terminal device ( 700) 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 700.

The MS reader unit is a card reader unit 710 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 700 by using the loading.

The contact IC reader unit is a card reader unit 710 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal 700.

The contactless IC reader unit is a card reader unit 710 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 It is characterized in that the interface to the terminal device (700).

According to an embodiment of the present invention, the card reader unit 710 may use a customer credit-based cash service / card loan service among check card payment services defined in the payment terminal device 700 and / or check card payment according to the present invention. Predetermined card information (eg, credit card, check card, debit card, cash card, payment means information corresponding to at least one or more from the at least one card reader unit 710) Is preferred.

The key input unit 720 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 700 controlled by the controller 705. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 705. The controller 705 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal device 700, and / or is defined to match the key event. Characteristic for acquiring a command to execute a predetermined function. The key input unit 720 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the payment terminal device 700.

The key input device interoperating with the key input unit 720 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, an English letter key, and / or a Korean letter). Keyboard device having a character key) and a function key, and / or have at least one numeric key and a function key in conjunction with the screen output means, and / or have at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an exemplary embodiment of the present invention, the key input unit 720 may include key data corresponding to the check card payment service from at least one or more key input devices for the check card payment service defined in the payment terminal device 700. It is preferable to perform the function of the key input means for receiving a payment amount, etc., and also during the check card payment from the key input device for the customer credit-based cash service / card loan service during the check card payment according to the present invention It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing a credit-based cash service / card loan service.

The screen output unit 715 is a liquid crystal display (LCD) and the liquid crystal display (LCD) by the control unit 705 in the process of the payment terminal device 700 performs a predetermined function (for example, check card payment processing function using a card) And / or output at least one or more information or data which are predefined or defined in real time to be output to a predetermined screen output device including a cathode ray tube (CRT) through a predefined interface screen. The output unit 715 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 700.

Predefined information or data to be output from the payment terminal device 700 to the screen output device, the key data input through the key input unit 720, and / or is provided in the payment terminal device 700 Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processing unit 730, and / or a predetermined operation result performed by the payment terminal device 700 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 715 is a check card payment processing screen according to each check card payment step to the screen output device for the check card payment service defined in the payment terminal device 700. It is preferable to perform the function of the screen output means for outputting, and also the customer credit-based cash service / payment of the check card to the screen output device for the customer credit-based cash service / card loan service during check card payment according to the invention It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the card loan service providing step.

The communication processing unit 730 is a payment network 655 (eg, Value Added Network (VAN)) in the process of the payment terminal device 700 performs a predetermined function (for example, a check card payment processing function using a card). Terminal (or server) and / or terminal (or device) connected to the payment terminal device 700 via a predetermined cable and / or terminal connected to the payment terminal device 700 through a predetermined short-range wireless communication (Or a device) and a predetermined communication means for connecting a communication session, network communication unit for connecting a predetermined communication channel with a payment server 660 on a wired or wireless network, and / or a predetermined cable communication A cable communication unit for connecting a communication session with a predetermined terminal (or device) via a port, and / or a predetermined short-range communication terminal (or device) via at least one short-range wireless communication means. ) Becomes done by including a short range wireless communication unit for connecting the apparatus with a predetermined communication session comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And a communication channel with a payment server 660 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and to connect the payment terminal device 700 to a predetermined wired / 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 700 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 700 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 700 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 710 Can be performed.

The Secure Application Module (735) is a confidentiality and / or authentication required in the process of the payment terminal device 700 performs the electronic payment and / or check card payment using the card. The payment terminal device does not use the authentication server (or payment server 660) on the payment network 655 to provide security requirements including authentication and / or integrity and / or nonrepudiation. As a safety device for performing a safe and reliable structure within 700, the payment terminal device 700 is processed in the process of performing a predetermined security request function (e.g., electronic payment and / or check card payment function). Encrypt or decrypt a given message (information or data), add an authenticator to prevent forgery (or tampering) of the message, or perform the security request function The information on the features that perform a function for storing important key information.

In general, the security application module 735 is preferably composed of a predetermined security application module 735 inserter and the security application module 735 chip, the security application module 735 chip is a chip containing at least 8 bits or more 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)) having a performance of 2 MIPS or more. It is preferable to comprise a.

In addition, the security application module 735 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 700 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 740 may be configured to perform a predetermined function (for example, a check card payment processing function using a card) of the payment terminal device 700 and / or predetermined information or data generated as a result thereof (for example, And output payment processing result information or data) to a predetermined printing device (eg, a receipt printer), and to print the printing information or data through the predetermined printing device according to a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 7, the payment terminal apparatus 700 includes check card-based payment means information read from a predetermined check card, payment information including a check card payment amount, and merchant information including a terminal number. A payment message generation unit 755 for generating a check card payment approval request message, and a transmission unit 760 for transmitting the generated check card payment approval request message to a predetermined payment network 655 through the communication processing unit 730. And a receiving unit 765 for receiving a check card payment approval message corresponding to the check card payment approval request message from the payment network 655 through the communication processing unit 730, and the received check card payment approval message. Authorization message reader 770 to check whether the customer credit-based cash service / card loan history and the received check card payment approval is divided into the approval history Characterized in that the output from the display output portion, and / or separate the received check card payment authorization by specialized authorization obtained by having a specialized authorization processing unit (775) for storing in the memory unit.

The payment message generation unit 755 may be check card-based payment means information read from a predetermined check card through the card reader unit 710, input from the key input unit 720, and / or the communication processing unit ( Check card payment including payment information including a check card payment amount received from a predetermined point of sales terminal via the cable communication unit 730, and merchant information including the terminal number extracted from the memory unit Characterized in that the full text of the approval request.

The transmission unit 760 transmits the check card payment approval request text generated by the payment text generation unit 755 through a predetermined payment network 655 (eg, a value added communication network through the communication processing unit 730). Network (VAN)), and the full check card payment approval request is transmitted to the payment server 660 provided in the card company (or financial company) that issued the check card through the payment network 655. do.

Thereafter, the payment server 660 performs a check card payment approval procedure in connection with a predetermined financial system 665 through the check card payment approval request message, and the customer associated with the check card during the check card payment. When the account balance is insufficient (or debit processing through the customer account), according to the agreement between the customer and the card company generates a cash service / card loan based on the customer credit, the check card payment A predetermined check card payment approval message including an approval result is generated and transmitted to the payment terminal device 700 through the payment network 655. The receiving unit 765 uses the communication processing unit 730 to transmit a predetermined message. From the payment network 655, characterized in that for receiving the check card payment approval full text.

According to an embodiment of the present invention, the check card payment approval message received by the receiving unit 765 includes a conventional check card payment approval message structure as it is or the customer credit-based cash according to the present invention in the payment server 660. When a service / card loan occurs, it is preferable that the check card payment approval details and the customer credit-based cash service / card loan processing details are included in the check card payment approval message as shown in FIG. 9.

The approval message reader 770 reads the check card payment approval message received through the receiving unit 765, and the customer credit-based cash service according to the present invention in addition to the check card payment approval details in the check card payment approval message. It is characterized by checking whether the card loan processing history is further included.

The approval message processing unit 775 is linked to the screen output unit 715 and / or print output unit 740, the check card payment approval full text received through the receiving unit 765 (for example, the check card payment approval result) And / or an approval message including at least one result of customer credit-based cash service / card loan processing) to a screen output device and / or a printing device 745 provided in the payment terminal device 700. .

According to the implementation method of the present invention, the approval specialized processing unit 775 is preferably provided with a function for reading the customer credit-based cash service / card loan processing result included in the check card payment approval full text, whereby the customer credit It may be output in a form that the payment terminal device 700 operator (or card user) can recognize whether the underlying cash service / card loan service is approved or booked or rejected.

According to an exemplary embodiment of the present invention, the approval specialized processor 775 classifies the check card payment approval result and / or the customer credit-based cash service / card loan processing result for each result and simultaneously displays the same screen on the screen output device. Preferably, the check card payment approval result and / or customer credit-based cash service / card loan processing result may be classified for each result according to the intention of a person skilled in the art and may be output to different screens of a predetermined screen output device. The present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the approval specialized processor 775 classifies the check card payment approval result and / or the customer credit-based cash service / card loan processing result for each result and prints different printing papers through the printing apparatus. It is preferable to print each of the results, and according to the intention of the person skilled in the art, the check card payment approval result and / or the customer credit-based cash service / card loan processing result are classified by each result and printed on one printing paper (for example, a receipt). ) Can be included and outputted, and the present invention is not limited thereto.

The approval message processing unit 775 is linked to the memory unit 750 check card payment approval message received through the receiving unit 765 (for example, the check card payment approval result and / or customer credit-based cash service / card loan) Characterized in that the at least one approval result including at least one processing result) is characterized in that the memory unit 750 provided in the payment terminal device 700 is stored.

According to the exemplary embodiment of the present invention, the approval specialized processor 775 classifies the check card payment approval result and / or the customer credit based cash service / card loan processing result for each result and stores them in different storage areas of the memory unit. Preferably, the check card payment approval result and / or customer credit based cash service / card loan processing result are classified by each result according to the intention of the person skilled in the art and the check card payment approval result field and the customer credit based cash service / card loan processing result Can be stored in association with a predetermined storage area including a field, and the present invention is not limited thereto.

8 is a diagram illustrating a check card payment approval request specialized structure for processing a customer credit-based cash service / card loan service during check card payment according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a predetermined payment terminal device 700 including a credit authorization terminal (CAT) for processing a customer credit-based cash service / card loan service according to the present invention during check card payment. As an example of an embodiment of a check card payment approval request specialized structure transmitted to a card company (or a financial company) through a payment network 655 (eg, a Value Added Network (VAN)) of the present invention, Those skilled in the art will be able to infer various implementation methods for a check card payment approval request structure according to the intention to those skilled in the art by referring to and / or modifying the drawing of FIG. It includes all the implementation methods, and this check card payment approval request professional structure is not limited to that illustrated in FIG.

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

The check card payment approval request text may include a transaction classification item (eg, a check card payment request, a check card payment cancellation, etc.), a Terminal_ID item for the payment terminal device 700, and a POS Entry Mode item. And a TRACK II Data item (eg, a PAN (Primary Account Number) area of the TRACK II of the MS card) corresponding to the payment means information obtained from a predetermined card through a card reader provided in the payment terminal device 700. (Check card information obtained from (Additional Data) and / or Discretionary Data (DD) area, or check card information obtained from a check card file of an IC card), and after a predetermined FS (File Separator, 0X1C) Including the installment month item, the total payment amount item, and the service fee item corresponding to the check card payment information, and also the Working Key Index item, password item, product code item and slip date It comprises a number of entries. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of the above items based on the contents shown in FIG. 8, and thus the detailed description thereof will be omitted.

According to an exemplary embodiment of the present invention, the transaction classification item may include transaction classification information (eg, check card payment request, check card payment cancellation, etc.) for the check card payment approval request, in which case the check The payment server 660, which receives the full card payment approval request message, is short of the customer account balance associated with the check card during the check card payment (or debit processing through the customer account) based on the contract conclusion information and the agreement processing information. If not), a cash service / card loan based on the customer credit may be generated according to an agreement between the customer and the card company.

According to another exemplary embodiment of the present invention, the transaction classification item is transaction identification information (eg, check card payment request +) requesting to process a customer credit-based cash service / card loan service according to the present invention among the check card payment approval request. Cash service / card loan request, check card payment request + cash service / card loan cancellation, check card payment cancellation + cash service / card loan request, check card payment cancellation + cash service / card loan cancellation, etc.) The payment server 660, which receives the full check card payment approval request message, may be short of the customer account balance associated with the check card during the check card payment based on the transaction classification information and / or the contract conclusion information and the agreement processing information. Or debit processing through the customer's account), based on the customer credit card based on the agreement signed between the customer and the card company Can generate the cash / card loans, which,

9 is a diagram illustrating a check card payment approval specialized structure for processing a customer credit-based cash service / card loan service during check card payment according to an embodiment of the present invention.

In more detail, FIG. 9 transmits the entire check card payment approval request as shown in FIG. 8 from the predetermined payment terminal device 700 to the predetermined card company (or financial company) through the predetermined payment network 655. As an example of an embodiment of a check card payment approval specialized structure received by the payment terminal device 700 in response to the full check card payment approval request message through a payment network 655, the present invention pertains to Those skilled in the art can refer to and / or modify this drawing 9 to infer various implementation methods for the check card payment approval specialty structure corresponding to the check card payment approval request full text according to the intention to those skilled in the art. However, the present invention includes all implementation methods inferred from the above, and this check card payment approval structure is not limited to that illustrated in FIG. The.

Referring to FIG. 9, the check card payment approval preamble structure may include at least one or more preamble information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And after the terminating character, further comprising a checksum (CRC-CCITT) for the specialized information.

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

The check card payment approval preamble is a transaction classification item (eg, check card payment request, check card payment cancellation, etc.) corresponding to the transaction classification associated with the check card payment included in the check card payment approval request message shown in FIG. And a Terminal_ID item for the payment terminal device 700, a status value item (eg, 'O': check card payment request normal approval, 'X': check card payment request denied), transaction date item, message 1 item, message 2 items, message 3 items, message 4 items, authorization number items (e.g., if the status value is 'O', check card payment number, or if the status value is 'X', check card payment refusal reason code) , Purchaser ID item, card company (bank) type name item, issuer ID item, document serial number item, merchant number item, document purchaser item, comment item, HELP included in the check card payment approval request message shown in the drawing 8 above DESK PH It includes ONE NO item, PIN DATA item and Control_Flag item. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each approval result item included in the check card payment approval document with reference to this drawing 9, and thus, detailed description thereof. Is omitted.

According to an exemplary embodiment of the present invention, the transaction classification item included in the check card payment approval preamble corresponds to the transaction classification item included in the check card payment approval request preamble shown in FIG. 8, wherein the payment server 660 When the customer credit-based cash service / card loan service according to the present invention occurs during the check card payment processing, transaction classification items (eg, check card payment request, check included in the full check card payment approval request shown in Figure 8) Card payment cancellation, etc.) preferably further includes a transaction classification (eg, cash service / card loan request, cash service / card loan cancellation) corresponding to the customer credit-based cash service / card loan service.

According to another exemplary embodiment of the present invention, the transaction classification item included in the check card payment approval preamble includes the transaction classification item included in the check card payment approval request preamble shown in FIG. As described above, it is preferable to include a predetermined transaction division item corresponding to the customer credit based cash service / card loan service in the customer credit based cash service / card loan service processing history added to the check card settlement approval text.

Referring to FIG. 9, when the customer credit-based cash service / card loan service according to the present invention is generated during the check card payment processing in the payment server 660, the check credit card payment approval message is included in the customer credit-based cash service / card loan service. Preferably, the service processing details (or processing results or approval results) are further included, and the customer credit-based cash service / card loan service processing details are separated from the check card payment approval details (or approval results) through a predetermined separator. In FIG. 9, the separator is illustrated as a file separator (FS) character for convenience. However, the separator may include GS (Group Separator, 0X1D), RS (Record Separator, 0X1E), and US (Unit Separator, 0X1F) in addition to FS. May be used or CR (Carriage Return, 0X0D) and / or LF (Line Feed, New Line, 0X0A) may be used. And FIG mubang, and to which the present invention is not limited.

The customer credit-based cash service / card loan service processing history of the check card payment approval full text is calculated by the payment server 660 to provide the customer credit-based cash service / card loan service during the check card payment. (E.g., account transfer amount) and a status value item for providing customer credit based cash service / card loan service during payment of the check card (e.g., 'O': normal processing of cash service / card loan, 'R': cash service / Card loan reservation processing, 'X': cash service / card loan processing error) and the customer credit-based cash service / card loan service authorization number item (e.g., if the status value item is 'O', a cash service / card loan authorization number, Or if the status value item is 'X', a cash service / card loan rejection reason code, etc.).

According to another exemplary embodiment of the present invention, a part of the information included in the customer credit-based cash service / card loan service processing history is included in the message 3 item and / or message 4 item included in the check card settlement approval message. It may be received by the payment terminal device 700, by which the present invention is not limited.

FIG. 10 is a diagram illustrating a process of generating a check card payment approval request full text in a payment terminal device 700 and transmitting the generated payment card to a payment server 660 according to an embodiment of the present invention.

Specifically, FIG. 10 generates a full payment approval request message as shown in FIG. 8 in the payment terminal device 700 shown in FIG. 7 on the cash service / card loan service providing system using the check card as shown in FIG. As an embodiment of the process for transmitting to the payment server 660 provided in the card company (or financial company) through the payment network 655, if the person skilled in the art to which the present invention pertains, this figure 10 By referring to and / or modified by the person skilled in the art will be able to infer various implementation methods for generating the check card payment approval request full text in the payment terminal device 700 and transmits to the payment server 660, The invention is not limited by the inferred practice.

Referring to FIG. 10, the payment terminal apparatus 700 recognizes a card having a predetermined check card payment means through a predetermined card reader, reads the check card payment means information from the card (1000), Receives a check card payment information including a payment amount through a predetermined key input device, and / or receives a payment amount from a predetermined POS terminal (1005), the memory unit provided in the payment terminal device 700 ( In step 1010, merchant information including the terminal number is extracted from the block 750.

Thereafter, the payment terminal device 700 generates a predetermined check card payment approval request message including the check card payment means information, the check card payment information, and the affiliated store information (1015), and generates the generated payment approval request message. In step 1020, the payment server 660 transmits the check card to the payment server 660 provided in the card company (or financial company) that issued the check card.

11 is a diagram illustrating a process of processing a check card payment approval request full text in the payment server 660 according to an embodiment of the present invention.

In more detail, in FIG. 11, the card company (or financial company) approves the check card payment request using the full check card payment approval request received from the payment terminal device 700 through the process shown in FIG. In the process of approving the payment request, if the customer account balance associated with the check card is insufficient (or debit processing through the customer account), the cash service based on the customer credit in accordance with the agreement between the customer and the card company As an exemplary method for generating a / card loan, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to perform the payment in the payment server 660 according to one of ordinary skill in the art. It is possible to infer various implementation methods for providing a customer credit-based cash service / card loan service according to the present invention during the check card payment processing. However, the present invention is not limited to the above-described inferred method. Hereinafter, the payment server 660 provided in the card company (or financial company) is referred to as a "server" for convenience.

Referring to FIG. 11, when a server provided in the card company (or financial company) receives a predetermined payment approval request message from the payment terminal device 700 through a predetermined payment network 655 (1100), Read the payment approval request full-text structure to extract the card number corresponding to the payment means information (1105), and the received payment approval request full text in conjunction with the storage medium 130 based on the card number in accordance with the present invention Check whether the payment card payment approval request is complete (1110).

If the received payment approval request full text is not the check card payment approval request text according to the present invention (for example, if the extracted card number is not the check card number) (1115), the server receives the received payment approval request text. In operation 1120, a predetermined payment process corresponding to FIG.

On the other hand, if the received payment approval request full text is a check card payment approval request text according to the present invention (for example, if the extracted card number is a check card number) (1115), the server is the check card payment approval request full text structure Read and extract the check card number and payment amount information from the full check card payment approval request (1125), and calculates a check card payment fee by applying a predetermined check card fee rate to the extracted payment amount (1130). A predetermined approval request amount is calculated by adding up the extracted check card payment amount and the check card fee (1135).

Thereafter, the server extracts a card company account number, a member bank code, a member account number, a member point code, etc. included in the check card information from the storage medium 130 based on the extracted check card number (1140). After the check card-based debit processing to generate the contents to be printed in the member account (1145), the check card number, card company account number, authorization request amount, member bank code, member account as shown in Figure 8 Generate a check card debit processing authorization request text including a number, a member branch code and the contents of the bank account printing (1150), and generate the generated check card debit processing approval request text through a predetermined financial network (660). And transmits to the financial system 665 corresponding to the code (1155).

12 is a diagram illustrating a check card debit processing approval request specialized structure defined between a payment server 660 and a financial system according to an embodiment of the present invention.

More specifically, FIG. 12 shows that the payment server 660 is connected to the financial system 665 between a payment server 660 provided in 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 660 is transferred to the financial system 665 between a payment server 660 provided in 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 660 and the financial system 665. 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 700 to the payment server 660 through the composite approval request telegram, and the authorization request amount is The card company account number item (ACCOUNT) withdrawn from the member account to be processed and the payment amount received from the payment terminal device 700 and the predetermined fee calculated through the combined approval request message (APRV) 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 130 based on the check card number. And a member bank statement content item (INFO), and further comprising a reservation (FILLER) for maintaining a block size of 293 bytes of the individual part.

FIG. 13 is a diagram illustrating an operation process of the financial system 665 which receives the full check card debit processing approval request from the payment server 660 according to the embodiment of the present invention.

More specifically, FIG. 13 receives a check card debit processing approval request message as shown in FIG. 12 from the payment server 660 in the financial system 665 in which a member account associated with the check card is opened, and the check card and the check card. As shown in FIG. 1, a method for providing a service for providing a service to the payment server 660 by checking whether the debit card is approved based on the balance of the associated member account is shown in the related art. Those skilled in the art can refer to and / or modify this drawing to provide various services for the financial system 665 that provides customer credit-based cash services / card loan services during check card payment according to the present invention as intended by those skilled in the art. The method may be inferred, but the present invention encompasses all the inferred implementation methods, and the method of providing the service is shown in FIG. It is by no means limited to poetry.

Referring to FIG. 13, the financial system 665 having received the check card debit processing approval request message as shown in FIG. 12 from the payment server 660 provided to the card company (or financial company) through the same process as in FIG. 11, The authorization request amount, the member account number, and the member branch code are extracted from the check card debit processing approval request text (1300), and the balance information of the member account is extracted using the member account number and the member branch code (1305). .

Thereafter, the financial system 665 compares the approval request amount with the member account balance information, and confirms whether or not the check card debit processing approval corresponding to the full check card debit processing approval request is approved (1310). According to the implementation method, if the balance of the member account is greater than the authorization request amount, and the transfer of the authorization request amount from the member account to the financial account corresponding to the card company account number included in the preamble of the check card debit processing authorization request is possible. The check card debit authorization for the full check card debit authorization request is determined.

If the check card debit authorization is not confirmed (1315), the financial system 665 generates a predetermined check card debit authorization result including the check card debit denied (or debit error) (1320). ).

On the other hand, when the check card debit authorization is confirmed (1315), the financial system 665 generates a predetermined check card debit authorization result including the check card debit authorization (1325).

Thereafter, the financial system 665 generates a predetermined check card debit processing approval result text including the check card debit processing approval result (1330), and the generated check card debit through a predetermined financial network 660. The entire process approval result is transmitted to the payment server 660 that transmits the check card debit processing approval request full text (1335).

14 is a diagram illustrating an operation process of the payment server 660 that receives the full check card debit processing approval result from the financial system 665 according to the embodiment of the present invention.

In more detail, FIG. 14 illustrates an embodiment of a service providing process of a payment server 660 that receives a full check card debit processing approval result through the process shown in FIG. 13 from the financial system 665 associated with the check card. As a method of illustration, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14 to customer credit-based cash advances / according to the present invention during check card payment as intended to those skilled in the art. Various service providing methods for the payment server 660 for providing a card loan service may be inferred, but the present invention includes all the inferred implementation methods, and the service providing method is limited to that shown in FIG. Is never. Hereinafter, in FIG. 14, the payment server 660 is referred to as a "server" for convenience.

Referring to FIG. 14, the payment server 660 which has received the full check card debit processing approval result from the financial system 665 associated with the check card through the same process as that shown in FIG. 13, approves the received check card debit processing. The full text of the result is read to check whether the debit card is approved (140).

If the check card debit processing approval result of the check card debit processing authorization request is confirmed (1405), the server generates a predetermined check card payment approval result including the check card debit processing approval result (1410), As shown in FIG. 16, a check card payment approval message is generated and transmitted to the payment terminal device 700.

On the other hand, if the check card debit processing approval result of the check card debit authorization request is denied (for example, if the account balance is less than the authorization request amount) (1405), the server stores the storage medium through the check card number. In operation 130, it is checked whether the check card information and the customer credit-based cash service / card loan service contract conclusion information according to the present invention are linked and stored from the check card information (130).

If the check result of the customer credit-based cash service / card loan service contract information is not confirmed (1420), the server receives a predetermined check card payment approval result including a check card debit processing rejection (or a debit processing error) result. It generates (1425), and generates a check card payment approval full text as shown in Figure 16 and transmits to the payment terminal device 700.

On the contrary, if the customer credit-based cash service / card loan service contract conclusion information is confirmed (1420), the server processes the cash service / card loan service contract processing information stored in association with the contract conclusion information from the storage medium 130. Extract (1430) and perform a customer credit generation procedure for the customer credit-based cash service / card loan service according to the present invention based on the cash service / card loan service agreement processing information (1435). It is preferable to follow the customer credit generation procedure defined at each card company (or financial company), whereby the present invention is not limited.

If customer credit for the customer credit based cash advance / card loan service does not occur (1440), the server records the result of the check card debit (or debit error) and the customer credit based cash advance / card loan service error history. A check card payment approval result including a predetermined result is generated (1425), and a check card payment approval message is generated as shown in FIG. 16, and the procedure for transmitting to the payment terminal device 700 is performed.

On the other hand, if the customer credit for the customer credit-based cash service / card loan service occurs (1440), the server based on the calculated authorization request amount, the cash service / for the customer credit-based cash service / card loan service according to the present invention A card loan amount is calculated (1450), and a customer credit-based cash service / card loan service procedure using the calculated cash service / card loan amount is performed as shown in FIG.

15 is a diagram illustrating an operation process of a payment server 660 that provides a customer credit-based cash service / card loan service according to an embodiment of the present invention.

In more detail, FIG. 15 shows a cash service / card loan amount for a customer credit-based cash service / card loan service according to the present invention as shown in FIG. 14, in the payment server 660 provided in the card company (or financial company). As an example of a method of providing a customer credit-based cash service / card loan service according to the present invention through the cash service / card loan amount, a person having ordinary knowledge in the technical field to which the present invention belongs, 15 may be inferred from various methods of providing a service for a payment server 660 that provides a customer credit based cash service / card loan service according to the present invention during check card payment according to the intention of the person skilled in the art by referring to FIG. The present invention encompasses all the inferred implementation methods, and the method of providing the service is limited to that shown in FIG. It is never. In the following figure 15, the payment server 660 is referred to as "server" for convenience.

Referring to FIG. 15, when a predetermined cash service / card loan amount is calculated through the process shown in FIG. 14, the server provides a customer credit-based cash service / card loan service according to the present invention based on the cash service / card loan amount. Calculate a predetermined amount of money transfer to provide (1500), and checks the communication channel connection state between the server and the financial system (665) (1505).

If the check result is that the communication channel between the server and the financial system 665 is not connected (e.g., if the financial system 665 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 665 is connected to approve the card payment, the calculated amount of the wire transfer is withdrawn from the card company (or financial company) mother account and deposited into the customer account (1515). After generating a predetermined check card payment approval result including a check card debit processing approval result, a procedure of generating a check card payment approval full text as shown in FIG. 16 and transmitting it to the payment terminal device 700 is performed.

Thereafter, the server periodically checks whether the financial system 665 and the communication channel are connected (1525), and if the communication channel connection between the server and the financial system 665 is confirmed (1530), the server Withdraw the deposit from the card company (or financial company) mother account in conjunction with the financial system 665, deposit the money into the customer account, and withdraw the funds to the card company (or financial company) mother account according to the check card payment approval procedure. The process of re-depositing is processed (1535).

On the other hand, if the check result is a communication channel between the server and the financial system 665 is connected (1510), the server interlocks with the financial system 665 to calculate the account transfer amount from the card company (or financial company) mother account Withdrawal is requested to deposit to the customer account (1540), and in conjunction with the financial system 665 to check whether the procedure for withdrawing the account transfer amount from the card company (or financial company) mother account to deposit into the customer account is completed. (1545).

If the procedure of withdrawing the money transfer amount from the card company (or financial company) mother account and depositing the money into the customer account is completed (15500), the server calculates a predetermined authorization request amount corresponding to the money transfer amount (1555). 11, a card company account number, a member bank code, a member account number and a member point code included in the check card information extracted from the storage medium 130, and the customer credit-based cash service / card loan service as shown in FIG. The process of generating a predetermined check card debit processing authorization request message including the contents of the corresponding member bank account statement and transmitting it to the financial system 665 is performed again.

FIG. 16 is a diagram illustrating a process of generating a check card payment approval full text from a payment server 660 and transmitting the generated payment approval message to a payment terminal device 700 according to an embodiment of the present invention.

In more detail, Figure 16 is generated by the check card payment approval message as shown in Figure 9 in the payment server 660 provided with the customer credit-based cash service / card loan service according to the present invention of the check card payment to the payment network ( As one embodiment of the method for transmitting to the payment terminal device 700 through 655, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 16 intended for those skilled in the art In accordance with the payment server 660 generates a check card payment approval message including the details of the customer credit-based cash service / card loan service processing according to the present invention during the check card payment processing to transmit to the payment terminal device 700 Various implementations may be inferred, but the present invention is not limited to the inferred implementations. Hereinafter, the payment server 660 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 settlement approval result is generated while the server processes a predetermined check card settlement approval request, the cash service / card loan service processing according to the present invention is performed on the generated check card settlement approval result. Check if the result is included (1600).

If the check card payment approval result does not include the cash service / card loan service processing result according to the present invention (1605), the server generates a predetermined check card payment approval message including the check card debit processing approval result. (1610).

On the other hand, if the check card payment approval result does not include the cash service / card loan service processing result according to the present invention as shown in FIG. 9 (1605), the server checks the credit card debit processing approval result and the customer credit according to the present invention. A predetermined check card payment authorization message including the base cash service / card loan service processing details is generated (1615).

Thereafter, the server transmits the generated check card payment approval message to the payment terminal device 700 through the payment network 655 (1620), and the payment terminal device 700 transmits the payment network 655. Receiving and reading the check card payment approval preamble through) to see if the check card payment approval preamble includes the customer credit-based cash service / card loan service processing details according to the present invention (1625).

If the check card payment approval preamble does not include the customer credit-based cash service / card loan service processing details according to the present invention (1630), the server receives the check card debit authorization result included in the check card payment approval preamble. Output through a screen output device and / or a printing device provided in the payment terminal device 700 (1635), the full check card payment approval to the memory unit 750 provided in the payment terminal device 700 (or The check card debit processing authorization result) is stored (1640).

On the other hand, if the check card payment approval text includes the customer credit-based cash service / card loan service processing history according to the present invention (1630), the server and the check card debit processing authorization result included in the check card payment approval message and The customer credit-based cash service / card loan service processing history according to the present invention is classified and output to a screen output device provided in the payment terminal device 700, and / or provided in the payment terminal device 700 as shown in FIG. Output through a printing device (1645), and sorts the credit card debit processing result and customer credit-based cash service / card loan service processing details according to the present invention in the memory unit 750 provided in the payment terminal device 700 Store (1650).

FIG. 17 is a diagram illustrating printing of check card payment approval details and customer credit-based cash service / card loan service processing details according to an embodiment of the present invention.

In more detail, in FIG. 17, a customer credit-based cash service / card loan service according to the present invention is processed among predetermined check card payment processes in a predetermined payment server 660 provided in the card company (or financial company), and the payment terminal. When the check card payment approval message as shown in FIG. 9 is received by the device 700, the payment receipt which prints out the check card payment approval details and the customer credit-based cash service / card loan service processing details by the payment terminal device 700. It is an example.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17 to provide a person skilled in the art with a customer credit-based cash advance / card loan in accordance with the present invention during check card payment according to the intention and / or receipt form. It is possible to easily infer the print output result corresponding to the service, but the present invention includes all the inferred implementation methods, and the print output result according to the present invention is by no means limited to that shown in FIG.

According to the present invention, when the customer account balance associated with the check card is insufficient (or debit processing through the customer account) during payment using the check card, the check is generated by generating a cash service / card loan based on the customer credit. There is an advantage in processing the card payment.

Claims (9)

When payment approval is processed using a debit card (or debit card), if payment is not approved because the balance of the payment account associated with the debit card (or debit card) is insufficient, An information verification unit which checks credit rating information (and / or credit information) of the check card (or debit card) user; An information calculator configured to calculate the cash service or card loan amount information that can secure the credit of the customer in response to the identified credit card information (and / or credit information) of the customer using the check card (or debit card); An information comparing unit comparing the calculated amount information with the entire or shortage of the payment approval processing target amount to determine whether the payment approval processing is possible using the calculated amount; A cash service / card loan processing unit for generating a cash service or a card loan with the credit of the customer as a result of the determination, when the settlement approval processing using the calculated amount is possible; And Payment approval processing unit for processing the payment authorization for the check card (or debit card) payment of the customer using the generated cash service or card loan; payment of the check card (or debit card) characterized in that it comprises a Approval processing unit. According to claim 1, The payment approval processing device, Consists of a single server, or Payment approval processing apparatus for a check card (or debit card) exceeding the usage limit, characterized in that consisting of a plurality of servers. A computer-readable recording medium having recorded thereon a program for executing a function of the apparatus component of claim 1. When payment approval is processed using a debit card (or debit card), if payment is not approved because the balance of the payment account associated with the debit card (or debit card) is insufficient, Confirming credit rating information (and / or credit information) of the customer using the check card (or debit card) in a predetermined information checking means; Cash service or card loan amount information available as collateral for the customer's credit in response to the credit rating information (and / or credit information) of the customer using the checked check card (or debit card) in a predetermined cash service / card loan processing means. And calculating whether or not payment approval processing using the calculated amount is possible by comparing the calculated amount information and the total or shortage of the payment approval processing target amount, and the settlement approval processing using the calculated amount is determined. A cash service / card loan processing step of generating a cash service or a card loan with the credit of the customer if possible; And And a payment approval processing step of processing payment approval for the check card (or debit card) payment price of the customer using the generated cash service or card loan in a predetermined payment approval processing means. How to process payment authorization for a card (or debit card). The method of claim 4, wherein Linking the generated cash service or card loan amount information and check card (or debit card) information of the customer in a predetermined information storage means and storing the generated cash service or card loan amount information in a predetermined storage medium; And Performing a settlement process of the generated cash service or card loan amount in association with the storage medium (or storage medium operating means) in a predetermined settlement processing means; Credit card). The method of claim 4, wherein And processing a customer approval for generating the cash service or a card loan in association with the customer communication means in a predetermined approval processing means. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 4 to 6. When payment approval is processed using a debit card (or debit card), if payment is not approved because the balance of the payment account associated with the debit card (or debit card) is insufficient, Information checking means for confirming credit rating information (and / or credit information) of the customer using the check card (or debit card); Calculating the cash service or card loan amount information that can secure the credit of the customer in response to the identified credit card information (and / or credit information) of the customer using the check card (or debit card); and the calculated amount information And whether the payment approval processing using the calculated amount is possible by comparing the entire or shortage of the payment approval processing target amount, and if the payment approval processing using the calculated amount is possible, guarantee the credit of the customer. Cash service / card loan processing means for generating a cash service or a card loan; And Payment approval processing means for processing payment approval for the check card (or debit card) payment of the customer using the generated cash service or card loan; and a check card (or debit card) Payment Approval Processing System. The method of claim 8, wherein each of the means, On a single server, or Payment approval processing system for a check card (or debit card) characterized in that provided in a plurality of servers.

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