KR20070078642A - Card affiliate store terminal and recording medium - Google Patents

Abstract

A payment terminal for a credit card member shop and a program recording medium thereof are provided to quickly/conveniently process consignment sales through a VAN-based branch/member shop network by automatically converting sales of the member shop into the sales of a maker of consignment goods. A memory(260) receives a unique terminal number corresponding to the member shop and the payment approval request message from the payment terminal, and separately stores a unique VAN businessman terminal number assigned to the VAN businessman selling the goods on consignment through the member shop. A controller(205) converts a payment mode of the member shop into a consignment sale payment mode by receiving key data when the payment approval request message is generated. The controller extracts the unique VAN businessman terminal number from the memory, and generates and transmits the payment approval request message including the unique VAN businessman terminal number to a VAN businessman server.

Description

Card Affiliate Store Terminal and Recording Medium}

1A, 1B, and 1C are diagrams illustrating a product distribution / sales structure in which a product is distributed through a bansa-based distributor / merchant network and consigned to a visitor visited by a customer.

2A, 2B, 2C, and 2D are diagrams illustrating a functional configuration of a payment terminal device having a consignment payment function for a consignment sale product according to an embodiment of the present invention.

3 is a diagram showing the configuration of information on the consignment sales product information provided in the payment terminal device for the consignment payment settlement according to the embodiment of the present invention.

4 is a diagram illustrating an operation configuration of a payment terminal device that provides a consignment payment service for consignment goods according to an embodiment of the present invention.

5A and 5B are views illustrating a process of processing a payment terminal device screen that provides a consignment payment service for consignment sale products according to an embodiment of the present invention.

6 is a diagram illustrating a specialized structure for payment approval request for consignment sales according to an embodiment of the present invention.

7 is a diagram illustrating a payment approval professional structure for consignment according to an embodiment of the present invention.

<Description of main parts of drawing>

200: payment terminal device 205: control unit

210: card reader 215: screen output

220: key input unit 225: power supply unit

230: communication processing unit 235: security application module

240: print output unit 245: printing apparatus

250: memory unit 255: payment mode confirmation unit

260: information input unit 265: professional generation unit

270: professional processing unit 275: information extraction unit

The present invention distinguishes and stores a terminal unique number assigned to a van operator consigning and selling a specific product through a predetermined merchant, and sells the specific product in a payment mode for selling the product of the merchant when the specific product is sold at the merchant. The present invention relates to a payment terminal apparatus for converting to a consignment payment mode and generating a full payment approval request message using a terminal unique number assigned to a van operator.

With the expansion of the electronic payment infrastructure, electronic payment services in the form of postpaid / debit payments have become common based on at least one or more electronic payment means of credit card and / or check card and / or debit card. A van providing a payment network for a payment transaction between a provided payment terminal device and a card company (or financial company) that issued at least one customer card of a credit card and / or a check card and / or a debit card to a visited customer of the merchant. Added Network (VAN), which also operates a bansa-based reseller / merchant network to maintain and manage the established electronic payment infrastructure.

The bansa provides a payment network for payment transactions between a payment terminal device provided in at least one or more merchants and a payment server provided in at least one card company (or financial company), and the payment network fee (or fee) The main source of revenue is imposed on.

Recently, the payment network usage fee (or fee) has been gradually reduced (or reduced), whereby the bans are exposed during the electronic payment processing to expose a predetermined advertisement to a receipt provided to the payment network. Although we are struggling to find alternative revenue sources in addition to fees (or fees), we are not generating as much revenue as we expect.

An object of the present invention, the terminal unique number corresponding to the merchant and the payment approval request message transmitted from the payment terminal device, and receives the terminal unique number assigned to the van (VAN) operators that consign and sell a specific product through the merchant And store the classified information, and when generating the payment approval request message corresponding to the specific product sale in the affiliate store, in response to specific key data input through a key input means, set the payment mode in the payment mode for product sale of the affiliate store. Switch to the payment mode for goods consignment sales, extract the terminal unique number assigned to the van operator (VAN) that consigns the specific product from the memory, and extracts the terminal unique number assigned to the extracted van operator After generating a payment approval request full text of the terminal unique number, the generated (VAN) operator the full text It is a card merchant payment terminal device for controlling transfer to provide ever burrow.

The card merchant payment terminal device according to the present invention receives a terminal unique number corresponding to a predetermined merchant and a payment approval request message transmitted from the payment terminal device, and a van consigns and sells a specific product through the merchant. A memory for distinguishing and storing a terminal unique number assigned to an operator; And generating a payment approval request message corresponding to the specific product sale at the affiliate store, in response to specific key data input through a key input means, and setting a payment mode in a payment mode for product sale at the affiliate store. The terminal unique number assigned to the van operator to consign and sell the specific product from the memory, and the terminal unique number assigned to the extracted van operator to be the terminal unique number. And generating a payment approval request message, and controlling the transmission of the generated message to the van operator server.

In addition, the card merchant payment terminal device according to the present invention, the terminal identification number corresponding to a predetermined affiliated store and at least one terminal unique number assigned to each of the van (VAN) operator distributors for consigning a specific product through the merchant Memory for storing separately; And generating a payment approval request message corresponding to the specific product sale at the affiliate store, in response to specific key data input through a key input means, and setting a payment mode in a payment mode for product sale at the affiliate store. A payment approval request message for extracting the terminal identification number assigned to the van operator distributor from the memory, and using the extracted terminal identification number assigned to the van operator distributor as the terminal identification number. And generating a control unit for controlling the transmission of the generated telegram to the van operator server.

In addition, the card merchant payment terminal device according to the present invention, by consigning and selling a specific product through the terminal unique number corresponding to a predetermined merchant and the merchant, and distinguishes the terminal unique number assigned to the manufacturer to manufacture the specific product Memory for storing; And generating a payment approval request message corresponding to the specific product sale at the affiliate store, in response to specific key data input through a key input means, and setting a payment mode in the payment mode for selling goods of the blind store. After switching to the mode, and extracts the terminal unique number assigned to the manufacturer from the memory, and generates a payment approval request full text of the terminal unique number assigned to the extracted manufacturer as a terminal unique number, the generated full text It is characterized in that it comprises a; control unit to control the transmission to the van (VAN) operator server.

In addition, the card merchant payment terminal device according to the present invention, a terminal receiving a terminal identification number corresponding to the merchant and the payment approval request message transmitted from the payment terminal device (VAN) for consigning and selling a specific product through the merchant (VAN) A secure application module (SAM) for classifying and storing terminal unique numbers assigned to operators; And generating a payment approval request message corresponding to the specific product sale at the affiliate store, in response to specific key data input through a key input means, and setting a payment mode in a payment mode for product sale at the affiliate store. The terminal unique number assigned to the van operator (VAN) for consigning and selling the specific product from the security application module, and the terminal unique number assigned to the extracted van operator (VAN) And generating a payment approval request message, and controlling the transmission of the generated message to the van operator server.

In addition, the card merchant payment terminal device according to the present invention, the terminal identification number corresponding to a predetermined affiliated store and at least one terminal unique number assigned to each of the van (VAN) operator distributors for consigning a specific product through the merchant A security application module (SAM) for classifying and storing; And generating a payment approval request message corresponding to the specific product sale at the affiliate store, in response to specific key data input through a key input means, and setting a payment mode in a payment mode for product sale at the affiliate store. Switch to the terminal, and extracts the terminal unique number assigned to the van operator distributor from the security application module, and the payment approval of the terminal unique number assigned to the extracted van operator distributor as a terminal unique number And generating a request message, and controlling the control to transmit the generated message to the van operator server.

In addition, the card merchant payment terminal device according to the present invention, by consigning and selling a specific product through the terminal unique number corresponding to a predetermined merchant and the merchant, and distinguishes the terminal unique number assigned to the manufacturer to manufacture the specific product A secure application module (SAM) for storing; And generating a payment approval request message corresponding to the specific product sale at the affiliate store, in response to specific key data input through a key input means, and setting a payment mode in a payment mode for product sale at the affiliate store. Switch to, extract the terminal unique number assigned to the manufacturer from the security application module, and generate the payment approval request full text of the terminal unique number assigned to the extracted manufacturer as the terminal unique number, the generated And a controller for controlling the transmission of the full text to a van operator server.

According to the present invention, the card merchant payment terminal device, the card reader unit for reading card information from the MS card or IC card; At least one short range wireless device including at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth (Bluetooth), wireless LAN, Wi-Fi, and universal serial bus (USB) A short range wireless communication unit which receives card information from a customer wireless terminal through a communication unit; A key input unit for processing key data input through the key input means; A screen output unit which outputs predetermined data on a screen; A communication processor for processing data transmission and reception through a communication network; Print output unit for outputting the payment approval; And at least one power supply unit for supplying power to the payment terminal device.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the function of the above-described payment terminal device control unit.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

For example, in the following embodiment, the van operator server is referred to as a "server (or device)" for convenience, and the terminal identification number is referred to as "terminal information" for convenience.

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

1A, 1B, and 1C are diagrams illustrating a product distribution / sales structure in which a product is distributed through a bansa-based agency / merchant network and consigned to a customer visited by a merchant.

In more detail, Figures 1a, 1b and 1c is a Bansa-based dealer / merchant network consisting of a predetermined bansa, at least one or more distributors and merchants, at least one product manufactured by at least one product manufacturer based on the bansa A method of distributing to a customer who has visited at least one affiliated store through distribution through a distributor / merchant network, and the person of ordinary skill in the art to which the present invention pertains may have the present drawings 1a and / or 1b and Inferring various methods of distributing at least one product manufactured by at least one product manufacturer through the bansa-based distributor / merchant network and selling to customers who visited at least one merchant by referring to and / or modifying the drawing 1c. It may be possible, but the present invention is The invention includes all inferred implementation methods, and the present invention is not limited to the specific implementation methods shown in FIGS. 1A and / or 1B and / or 1C.

1A and 1B and 1C, the bansa-based dealer / merchant network includes a predetermined bansa, at least one agency managing at least one affiliated store in association with the bansa, and one of the agents It includes at least one affiliated store managed through.

The bansa provides a payment network between at least one card company (or financial company) and the payment terminal device 200 equipped with an electronic payment function using an electronic payment means issued by the card company (or financial company), Manage at least one or more dealers in the center of the bansa-based dealer / merchant network, and manages at least one or more merchants through the dealer.

The agency may be configured to manage at least one affiliated store, and is responsible for the payment network business alliance and the payment network interworking operation between the bansa and the affiliated store on the bansa-based distributor / merchant network.

The affiliated store is provided with a predetermined payment terminal device 200 that can be connected to the payment network provided by the bansa through any one of the dealers (for example, renting the payment terminal device 200 can be connected to the bansa through the dealership or Or purchase), and provide an electronic payment service using electronic payment means issued to at least one or more customers from at least one card company (or financial company) through the payment terminal device 200. Here, the merchant visiting customer visits the affiliated store, purchases at least one or more types and / or intangible goods sold by the affiliated store, and converts the amount corresponding to the purchased product from the predetermined card company (or financial company) to the customer. It includes a customer who performs payment processing (or payment processing through predetermined cash) through the issued electronic payment means.

Referring to FIGS. 1A, 1B, and 1C, the bansa-based dealer / merchant network for distributing products manufactured by at least one product manufacturer through the bansa-based dealer / merchant network and selling them to customers visiting the merchant. At least one product manufacturer is further included.

The product manufacturer is characterized by manufacturing (and / or distribution) at least one or more products to be sold through the bansa-based dealer / merchant network, according to the present invention order request (or purchase request) for the product from the bansa And (or sell) the goods to the bansa, and / or request consignment sales, wherein the bansa-based dealer / merchant network stores the delivered (or sold) merchandise. It is preferable to supply (or deliver) to at least one or more of the merchandise sales agency and / or product distribution agency and / or consignment sales agency included in the.

According to an exemplary embodiment of the present invention, the product manufacturer manufactures (and / or distributes) at least one product to sell through the bansa-based dealer / merchant network and supplies it to bansa on the bansa-based dealer / merchant network. It is preferable that the merchandise being sold (or delivered) to the bansa is supplied (or delivered) to at least one dealer through at least one agency based on the bansa-based dealer / merchant network.

According to another exemplary embodiment of the present invention, the product manufacturer manufactures (and / or distributes) at least one product to be sold through the bansa-based dealer / merchant network and supplies the agent to the bansa-based dealer / merchant network ( Or delivery), and the merchandise to be supplied (or delivered) to the agency is preferably supplied (or delivered) to at least one or more affiliate stores based on the bansa-based agency / merchant network.

According to an exemplary embodiment of the present invention, the product manufacturer manufactures (and / or distributes) at least one product to be sold through the bansa-based agency / merchant network and supplies it to the merchant on the bansa-based agency / merchant network ( Or delivery).

The bansa is characterized in that the order request (or purchase request) for at least one or more products to be sold from the product manufacturer through the bansa-based dealer / merchant network in accordance with the present invention, the order request (or purchase request) It is preferable to process the corresponding amount in a transaction between the product manufacturer and the bansa.

According to an embodiment of the present invention, it is preferable to contract a minimum delivery price and a minimum delivery quantity corresponding to the minimum delivery price between the bansa and the product manufacturer, and the order request (or purchase request) by the bansa is It is preferable to request an order (or purchase request) more than the minimum delivery quantity corresponding to the minimum delivery price, whereby the product to be sold is preferably delivered (or sold) at the minimum delivery price.

According to an exemplary embodiment of the present invention, the bansa calculates an order request (or purchase request) for the product based on the quantity of the product sold for a specific product consigned through at least one or more affiliated stores. If the order request (or purchase requisition) quantity is smaller than the minimum delivery quantity, it is preferable to request the minimum delivery quantity to the commodity manufacturer (or purchase requisition) instead of the calculated order request (or purchase requisition) quantity. The goods to be sold are thereby delivered (or sold) at the minimum delivery price.

According to another exemplary embodiment of the present invention, when the minimum delivery price corresponding to the minimum delivery price is contracted between the bansa and the product manufacturer for a predetermined period of time, the bansa is the at least one affiliated store. Calculating an order request (or purchase request) quantity for the product based on the quantity sold of the product for a specific product consigned and sold, and the calculated order request (or purchase request) quantity is the minimum delivery quantity. It is preferable to request an order (or purchase request) from the manufacturer, and the minimum quantity of the last order request (or purchase request) quantity and the quantity of the order request (or purchase request) for the predetermined period before the predetermined period expires is the minimum. If the minimum delivery quantity corresponding to the delivery price is not met, the last order request (or Request) quantities are preferably adjusted so as to reach the minimum supply quantity, and thereby the sales target product is delivered (or sold) to the minimum delivery rates.

In addition, the bansa is characterized by managing the supply (or delivery) of the product to be sold from the product manufacturer to the bansa and / or agents and / or merchants in accordance with the order request (or purchase request).

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the bansa according to an embodiment of the present invention, the bansa It is preferable to check and manage the supply date (or delivery date, or receipt date) and the supplied (or delivery, or receipt) product information for the product.

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the agency according to another embodiment of the present invention, It is preferable that Bansa receives the supply date (or delivery date) and the supplied (or delivery) product information of the product from the agency and confirms and manages it.

When the bansa order (or purchase request) at least one or more products to be sold from the product manufacturer, the product to be sold (or delivered) to the affiliated store according to another embodiment of the present invention, The bansa is provided with the supply date (or delivery date) and product information supplied (or delivery) for the product through the payment terminal device 200 provided in the affiliated store, and / or through an agent managing the affiliated store It is preferable to receive the supply date (or delivery date) and the supplied (or delivery) product information for the goods and to check and manage them.

In addition, the bansa is characterized in that the product supplied from (or shipped to) the manufacturer of the product is characterized in that it is managed to be sold to the merchant visiting customers through the bansa-based dealer / merchant network.

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the bansa according to an embodiment of the present invention, the bansa Supplies (or delivers) at least one affiliate store that consigns and sells the target merchandise through at least one agent, and / or supplies (or delivers) at least one affiliate store from the bansa, and the merchants at the bansa It is preferable to request a consignment sale for the supplied (or delivered) product.

After the bansa requests (or purchases) at least one or more products to be sold from the product manufacturer, when the products to be sold are supplied (or shipped) to the agency according to another embodiment of the present invention, The agent supplies (or delivers) at least one affiliated store that consigns the merchandise to be sold, and requests the consigned sale of the products supplied (or delivered) from the bansa to the affiliated store.

When the bansa order (or purchase request) at least one or more products to be sold from the product manufacturer, the product to be sold (or delivered) to the affiliated store according to another embodiment of the present invention, It is preferable that the affiliated store handles an amount corresponding to the supplied product in a transaction between the bansa and the affiliated store.

After the merchant on the bansa-based dealer / merchant network has received (or shipped) a predetermined product from the manufacturer of the product, and / or the product (or delivered) from the bansa and / or the agent, It performs the role of consigning the supplied (or delivered) goods to at least one merchant visit customer.

The affiliated store may request an order (or a request for delivery) of at least one or more products to be sold to the bansa through a predetermined payment terminal device 200, and / or to the bansa to the at least one or more products to be sold through the agency. Order (or delivery request), and the merchant is consigned by receiving (or delivering) a product corresponding to the order request (or delivery request) quantity among the goods already held by the bansa (or dealership) Done.

When the order request (or delivery request) from the merchant, the bansa is characterized in that the screening the order limit quantity for the merchant, rejected when the order request (or delivery request) exceeds the order limit quantity from the merchant It is desirable to.

In addition, when the order request (or delivery request) from the merchant, the bansa checks whether the product held by the bansa (or distributor) exceeds the order request (or delivery request) quantity, and if If the quantity of the held product is less than the quantity of the order request (or the delivery request), the ban company may request the product manufacturer to request the order (or purchase request) from the merchant to the product manufacturer. It is preferable.

The implementation method shown in FIG. 1A delivers (or sells) at least one product to bansa from at least one product manufacturer, and delivers the product to bansa (and / or distributor, and / or on the bansa-based dealer / merchant network). When supplying (or delivering) to an affiliated store, the bansa consigns the goods through at least one or more merchants, and the merchants consigned to the at least one merchant visiting customer to sell the consignment products .

Referring to FIG. 1A, the product manufacturer corresponds to a product manufacturing institution that manufactures (and / or distributes) at least one product to be sold through the bansa-based dealer / merchant network and delivers (or sells) the product to the bansa. The ban company receives an order request (or purchase request) of at least one product from the product manufacturer, receives the order request (or purchase request) product from the product manufacturer, and transfers the received product to at least one affiliate store. A consignment sales request agency requesting consignment sales, wherein the order request (or purchase requisition) product is supplied (or shipped) from the product manufacturer to bansa, and / or from the product manufacturer to the distributor ( Or delivery) and / or supplied (or delivered) from the product manufacturer to the merchant. , To which the present invention is not limited.

In addition, in FIG. 1A, the agency may include a consignment sales agency consigning and selling at least one or more merchandise requested by the ban company to at least one affiliate store, and / or at least one or more consignment sales request by the bansa. It corresponds to a merchandise distribution agency for distribution to the above merchants, the merchants request the supply (or delivery request) of at least one or more consignment sales products to the bansa (or distributor), and then the supply request ( Or a request for delivery) corresponds to a consignment sales agency receiving a supply (or delivery) of goods and consigning to at least one merchant visit customer, wherein the goods sold in the merchant are not the sales of the merchant but the bansa (consignment sale request). It is preferable to be treated as sales of the agency).

In FIG. 1A, before the product manufacturer delivers (or sells) an order request (or purchase request) from the bansa to the bansa (for example, the order request (or purchase request) to the bansa) Before supplying (or delivering), and / or supplying (or delivering) to the agent, and / or supplying (or delivering) to the merchant, or during delivery (or sale), or delivery (or sale) After that, the payment amount for the product is characterized in that it is processed as sales of the product manufacturer (and / or bansa expenses), whereby the product manufacturer is VAT (or income tax) for the payment amount There is an obligation to pay, the bansa will be able to process the payment amount as expenses.

According to the implementation method of the present invention, the selling price for the consignment goods sold by the merchant is the delivery price delivered from the product manufacturer to the bansa, the profits of the bansa and / or the agency fee and / or product storage fee and And / or at least one distribution fee and / or payment fee and / or the merchant fee.

In addition, the sales of the goods sold in the merchants is characterized in that the sales of the bansa corresponding to the consignment sales request agency, not the merchants, whereby the bans VAT (or income tax) for the payment amount There is an obligation to pay).

The implementation method shown in FIG. 1B provides (or delivers) at least one or more products from the at least one product manufacturer to a bansa (and / or distributor, and / or merchant) on the bansa-based distributor / merchant network. The present invention relates to an embodiment in which a product manufacturer requests consignment sale through at least one affiliate store and supplies (or delivers) the product to the affiliate store, and consigns the product to at least one merchant visit customer. .

Referring to FIG. 1B, the product manufacturer requests consignment sales to a product manufacturing organization that manufactures (and / or distributes) at least one product to sell through the bansa-based dealer / merchant network, and / or at least one or more merchants. A consignment sales request agency, wherein the merchandise requested by the merchandise manufacturer is supplied (or shipped) from the merchandise manufacturer to bansa, and / or the merchandise manufacturer is supplied (or delivered) to the agency. , And / or may be supplied (or shipped) from the product manufacturer to the affiliated store, and the present invention is not limited thereto.

In addition, in FIG. 1B, the ban company supplies (or delivers) the consignment goods requested for the order (or purchase request) from the product manufacturer after supplying (or requesting delivery of) the consignment goods to the corresponding goods manufacturer. And a consignment sales agency that consigns and sells the consignment merchandise to at least one affiliate store, and / or a merchandise distribution institution distributing the consignment merchandise to at least one affiliate store, wherein the agency stores the consignment product at least. A consignment sales agency consigned to one or more merchants, and / or a commodity distribution agency for distributing the consignment goods to at least one affiliate store, wherein the merchant stores at least one consignment goods and (Or distributor) to request the supply (or delivery), the product manufacturer and / or It corresponds to a consignment sales agency that receives (or delivers) the supply request (or delivery request) product from a bansa (or a distributor) and consigns to at least one merchant visited customer. It is preferable that the product is processed as sales of the product manufacturer (consignment sales request agency), not sales of the affiliated stores.

In FIG. 1B, before the product supplier supplies (or delivers), supplies (or delivers), or supplies (or delivers) a product requested for supply (or delivery) from the bansa to the product. After that, the payment amount for the product is characterized in that it is processed as sales of the product manufacturer (and / or the expenses of the bansa), whereby the product manufacturer will pay VAT (or income tax) for the payment amount An obligation arises, and the bansa can treat the payment as an expense.

According to the method of the present invention, the selling price for the consignment goods sold by the affiliated store is the price supplied by the product manufacturer to the bansa, the profit (or fee) of the bansa and / or the agency commission and / or It is preferable that the product storage fee and / or distribution cost and / or payment fee and / or at least one of the merchant fee.

In addition, the sales for the goods consigned by the affiliated store is characterized in that it is processed as the sales of the product manufacturer corresponding to the consignment sales request agency, not the affiliated shop, whereby the product manufacturer is a VAT for the payment amount ( Or income tax).

The implementation method shown in FIG. 1C delivers (or sells) at least one product from an at least one product manufacturer to a distributor, and delivers the product to a bansa (and / or distributor, and / or on the bansa-based distributor / merchant network). When supplying (or delivering) to an affiliated store, the agency requests consignment sale of the product through at least one affiliated store, and the affiliated store consigns and sells the consignment sale product to at least one affiliated store visitor. .

Referring to FIG. 1c, the product manufacturer corresponds to a product manufacturing institution that manufactures (and / or distributes) at least one product to be sold through the bansa-based dealer / merchant network and delivers (or sells) the product to the agency, The delivered (or sold) product is supplied (or shipped) from the product manufacturer to bansa, and / or is supplied (or delivered) from the product manufacturer to the distributor, and / or from the product manufacturer to the merchant. (Or delivery) are all possible, by which the present invention is not limited.

The ban company supplies (or delivers) the consigned merchandise to the corresponding product manufacturer, and then supplies (or delivers) the consigned merchandise requested for the order (or purchase request) from the merchandise manufacturer to provide at least one agency ( And / or an affiliated store), wherein the agency corresponds to a consignment sale requesting agency requesting consignment sales of the consignment product to at least one affiliate store, wherein the affiliated store is at least one consignment product. After supplying (or requesting delivery) to the relevant product manufacturer and / or bansa (or dealership), supplying (or delivering) the supply requesting (or delivery request) product from the product manufacturer and / or bansa (or dealership) It corresponds to a consignment sales agency that receives consignment sales to at least one merchant visit customer, and at this time Consignment goods sold is preferably treated as revenue of the Agency (consignment requested authority) rather than the merchant sales.

In FIG. 1C, before the product manufacturer delivers (or sells) an order request (or purchase request) from the bansa to the agency (for example, the order request (or purchase request) to the bansa) Before supplying (or delivering), and / or supplying (or delivering) to the agent, and / or supplying (or delivering) to the merchant, or during delivery (or sale), or delivery (or sale) After that, the payment amount for the product is characterized in that it is processed as sales of the product manufacturer (and / or bansa expenses), whereby the product manufacturer pays VAT (or income tax) on the payment amount There is an obligation to do so, and the agent will be able to treat the payment as an expense.

According to the method of the present invention, the selling price for the consignment merchandise at the merchant is equal to the delivery price at the merchandise manufacturer, the profit (or commission) of the bansa, and / or the profit (or commission) of the agency and And / or at least one or more of a product storage fee and / or a distribution fee and / or a payment fee and / or the merchant fee.

In addition, the sales for the goods consigned by the affiliated store is characterized in that it is processed as the sales of the agency corresponding to the consignment sales requesting agency, not the affiliated store, whereby the agency is VAT (or income tax) on the payment amount There is an obligation to pay).

2A, 2B, 2C, and 2D illustrate a functional configuration of a payment terminal device 200 having a consignment payment function for a consignment sale product according to an embodiment of the present invention.

More specifically, Figures 2a, 2b, 2c and 2d relates to an embodiment of a payment terminal device 200 for a consignment payment service for consignment sales goods, which is common knowledge in the art. If you have a person, it will be able to infer the functional configuration of the various payment terminal device 200 for the consignment payment service for the consignment goods by referring to and / or modifying the drawings 2a, 2b, 2c and 2d, It is to be understood that the technical features of the present invention are not limited to the drawings 2a, 2b, 2c and 2d, but include all the inferred implementation methods.

2A, 2B, 2C, and 2D, the payment terminal device 200 basically outputs a control unit 205, a memory unit 250, a card reader unit 210, a key input unit 220, and a screen output. And a power supply unit 225 for supplying power to the unit 215, the communication processor 230, the security application module 235, the print output unit 240, and the payment terminal device 200, It includes at least one terminal function unit (not shown) or the like according to the intention.

The control unit 205 controls the overall operation of the payment terminal device 200 in function configuration, manages the flow of information or data between each component, and the payment terminal device 200 for a consignment payment function for consignment goods. And at least one processor and execution memory (e.g., registers and / or random access memory), each of which includes a central processing unit (CPU) and a micro processing unit (MPU). Access Memory)) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium to the execution memory in order to perform a function specific to the payment terminal device 200 by software. Contains program routines and / or program data that are loaded and computed by the processor (and hence the commissioned version) A function provided in a payment terminal device 200 for a predetermined program recorded on a recording medium provided in the payment terminal device 200 for a consignment payment function for a product and / or a consignment payment function for the consignment sale product. In the configuration, the components that can be processed by software are shown in the control unit 205).

According to the exemplary embodiment of the present invention, the control unit 205 may include components (eg, the memory unit 250, the card reader unit 210, the key input unit 220, and the screen) provided in the payment terminal device 200. The payment terminal device by interworking the output unit 215, the communication processing unit 230, the security application module 235 and the print output unit 240 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art) Controlling and managing the provision of the electronic payment service defined in (200), as well as interworking the components provided in the payment terminal device 200 for a consignment payment service for consignment sales goods according to the present invention It is preferable to control and / or to execute a program recorded on a recording medium provided in the payment terminal device 200 for the entrusted payment service.

The memory unit 250 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 200 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 comprises one or more storage means, the control unit 205 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the present invention, the memory unit 250 is a read-only memory (ROM) of the memory constituting the memory unit 250 to provide a consignment payment service for consignment goods according to the invention Merchant store terminal information and / or consignment terminal terminal information is stored separately in at least one or more memory areas of the area or the read / write memory area.

The terminal information is a unique number and / or device serial number and / or ESN (Electronic Serial) assigned to each payment terminal device 200 to identify a specific payment terminal device 200 of a plurality of payment terminal devices 200 Number), and a bansa (or card company) receiving a predetermined payment approval request message from the payment terminal device 200 through the payment terminal device 200 through the terminal information. The requested merchant (or merchant requesting approval for electronic payment) is characterized in that it is confirmed. To this end, the bansa (or card company) preferably stores the terminal information and affiliated store information provided with the payment terminal device 200 in a predetermined database.

According to another exemplary embodiment of the present invention, the terminal information may further include the affiliated store information, whereby the present invention is not limited thereto.

Referring to FIG. 2A, at least one memory area of a read-only memory area and / or a read / write memory area of the memory unit 250 may separately store affiliate store sales terminal information and consignment sale terminal information. Referring to FIG. 2B, at least one memory area of the read-only memory area and / or the read / write memory area of the memory unit 250 may include terminal information for merchant sales or terminal information for consignment sales. It is characterized in that is stored.

The merchant information terminal for sale is original terminal information corresponding to the payment terminal device 200 provided in the affiliated store, and the payment amount corresponding to the tangible and intangible products sold by the merchant provided with the payment terminal device 200. When the card payment is performed through the customer-owned card as a payment method for the payment, the payment amount is made to include the terminal information included in the full payment card payment approval request so that the payment is processed as the sales of the merchant.

In addition, the information on the consignment sales terminal is a consignment sales request agency, if a consignment sales agency consigns at least one or more consignment merchandise to a predetermined customer, the payment amount corresponding to the consignment merchandise requests the consignment sale request. Including the terminal information included in the full payment approval request card payment through the customer-owned card to be processed as the sales of the institution.

According to an embodiment of the present invention, the consignment sales requesting agency includes a bansa providing the payment terminal device 200 to the affiliated store and performing a card payment procedure using the customer card between the affiliated store and the card company. Preferably, when the payment terminal device 200 pays for the consignment goods, the consignment sales terminal information corresponding to the bansa is extracted from the memory unit 250 to perform payment processing of the consignment goods. It is included in the full payment approval request for the sales, the sales for the consignment sales products corresponding to the full payment approval request is processed as the bansa sales, not the merchant sales.

According to another exemplary embodiment of the present invention, the consignment sales request organ preferably includes an agent managing the affiliated store, whereby the payment terminal device 200 pays for the consignment goods in the memory. Terminal information for the consignment sales corresponding to the agency is extracted from the unit 250 and included in the settlement approval request text for the settlement processing of the consignment sales product, and the sales for the consignment sales product corresponding to the settlement approval request text are It is processed as the agency sales, not the merchant sales.

According to another exemplary embodiment of the present invention, the consignment sales requesting institution preferably includes a product manufacturer that manufactures (and / or distributes) a product consigned at the affiliated store, whereby the payment terminal device 200 At the time of payment for the consignment goods, the consignment sales terminal information corresponding to the product manufacturer who manufactures (and / or distributes) the consignment goods is extracted from the memory unit 250 to perform payment processing of the consignment goods. It is included in the full payment approval request for the sales, the sales for the consignment sales products corresponding to the full payment approval request is processed as the sales of the product manufacturer rather than the merchant sales.

According to the present invention, the memory unit 250 provides the consignment payment service for the consignment selling goods according to the present invention through the affiliated store in a read / write memory area of the memory constituting the memory unit 250. Characterized in that the consignment sales product information for the consignment products sold in consignment, characterized in that for storing, the consignment sales product information preferably comprises at least one or more consignment product management information and consignment product inventory information, the preferred embodiment An example will be described in detail with reference to FIG.

In the case of the implementation method in which the consignment requesting agency includes a product manufacturer that manufactures (and / or distributes) a product consigned at the affiliated store, the consignment sales terminal information corresponding to the product manufacturer is provided to a plurality of product manufacturers. Correspondingly, a plurality of consignment sales terminal information may be stored, and in this case, the consignment sales terminal information corresponding to the plurality of commodity manufacturers may be stored in association with the commodity manufacturer information included in each consignment sales product information. Detailed illustration), whereby the consignment sales product information is confirmed by the payment terminal device 200, the consignment sales terminal information corresponding to the product manufacturer based on the product recipe information included in the consignment sales product information. It is possible to be extracted.

A customer who receives a consignment payment service for a consignment sale product according to the present invention through the payment terminal device 200 is based on an ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, and / or an ISO / IEC 7816 standard. Possesses (or owns) a contact IC card (or a wireless IC chip) and / or a card including at least one contactless IC card (or a wireless IC chip) based on ISO / IEC 14443 standard, The card reader unit 210 may provide an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader unit 210 is an MS reader unit for providing an interface between the MS card and the payment terminal device 200, and / or the contact IC card and the payment terminal device ( 200) a contact IC reader unit providing an interface between the contact unit and / or a contactless IC reader unit providing an interface between the contactless IC card and the payment terminal device 200.

The MS reader unit is a card reader unit 210 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 in that the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to interface with the payment terminal device 200 by using the loaded.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal device 200.

The contactless IC reader part is a card reader part 210 based on ISO / IEC 14443. The contactless IC reader part uses at least 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 (200).

According to an embodiment of the present invention, the card reader unit 210 may provide predetermined card information (for example, a card to the card reader unit) from at least one or more card reader units 210 for the electronic payment service defined in the payment terminal device 200. It is preferable to read the payment means information corresponding to the payment means including at least one provided credit card, check card, debit card, cash card, financial account.

The key input unit 220 includes a predetermined one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Detects information (or signal) input from a key input device of the controller and changes the input mode and / or operation mode of the payment terminal device 200 in cooperation with the controller 205 based on the information (or signal). (Or switch) and / or predetermined information from a predetermined key button provided in the key input device in a specific input mode and / or operation mode of the payment terminal device 200 controlled by the control unit 205. When a (or a signal) is input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 205, and the controller 205 is provided. The payment terminal Acquiring predetermined key data corresponding to the key event in the current input mode and / or operating mode of the device 200 and / or acquiring an instruction to execute a predetermined function defined in correspondence with the key event. It features. The key input unit 220 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the payment terminal device 200.

The key input device interoperating with the key input unit 220 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an embodiment of the present invention, the key input unit 220 is a payment mode of the payment terminal device 200 for a consignment payment service for a consignment sale product according to the present invention, or a payment mode for consignment sales. It is preferable to change (or switch) at least one of the payment mode, and for this purpose, the key input device includes a key button for changing (or switching) the payment mode, or a key provided in the key input device. It is possible to use one of the key buttons (for example, the number '9' key button) as a key button for changing (or switching) the payment mode.

In addition, the key input unit 220 is the key data corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal device 200 in the payment mode for merchants (eg, payment). Or a consignment payment for the consignment goods from the key input device in a consignment payment mode for a consignment payment service for consignment goods according to the present invention; It is preferable to perform the function of the key input means for receiving at least one or more key data required in the service providing process.

The screen output unit 215 is a liquid crystal display (LCD) and / / by the control unit 205 in the process of the payment terminal device 200 performs a predetermined function (for example, the electronic payment processing function using a card) Or outputting at least one information or data which is predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. The output unit 215 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 200.

Predefined information or data to be output from the payment terminal device 200 to the screen output device, the key data input through the key input unit 220, and / or is provided in the payment terminal device 200 Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processor 230, and / or a predetermined operation result performed by the payment terminal device 200 ( Or data).

According to a preferred embodiment of the present invention, when the screen output unit 215 changes (or switches) the payment mode of the payment terminal device 200 to the payment mode for the affiliated store, the electronic device corresponding to the payment mode for the affiliated store is sold. It is preferable to perform the function of the screen output means for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for a payment service, and also consignment for consignment goods according to the present invention in the consignment payment mode. It is preferable to perform a function of a screen output means for outputting a processing screen corresponding to the step of providing a consignment payment service for the consignment sale goods to the screen output device for a settlement service.

The communication processor 230 may include a terminal on a payment network (eg, a value added network (VAN)) while the payment terminal device 200 performs a predetermined function (eg, an electronic payment processing function using a card). Or a server) and / or a terminal (or device) connected to the payment terminal device 200 through a predetermined cable and / or a terminal (or device) connected to the payment terminal device 200 through a predetermined short-range wireless communication. And a predetermined communication means for connecting a communication session with a network communication unit for connecting a predetermined communication channel with a server (or device) on the wired / wireless network, and / or through a predetermined cable communication port. A predetermined short distance communication terminal (or device) through a cable communication unit for connecting a communication session with a predetermined terminal (or device), and / or at least one short range wireless communication means And it becomes done by including a short range wireless communication unit for connecting to 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). Connecting a communication channel with a server (or device) on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and hardwarely connecting the payment terminal device 200 to a predetermined wired / wireless network. It comprises a modem (Modem) or Network Interface Card (NIC), and comprises a communication protocol and / or driver for connecting the payment terminal device 200 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.

According to an embodiment of the present invention, the cable communication terminal (or device) preferably comprises a point of sales terminal (POS) connected to the payment terminal device 200 through a predetermined cable communication. In this case, the payment terminal device 200 may receive payment information including a payment amount and / or an installment month number corresponding to the affiliated store sale product from the POS terminal.

According to another exemplary embodiment of the present invention, the cable communication terminal (or device) may include a barcode reader (not shown) connected to the payment terminal device 200 through a predetermined cable communication. In this case, the payment terminal device 200 may receive a consignment product code corresponding to the bar code information of the consignment merchandise. In addition, the cable communication terminal (or device) may include an RFID (Radio Frequency Identification) reader connected to the payment terminal device 200 through a predetermined cable communication, in this case, the payment terminal device 200 ) Can receive the consignment product code corresponding to the RFID code information of the consignment merchandise.

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). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

The secure application module 235 (SAM) is a confidentiality and / or authentication required in the process of the payment terminal device 200 to perform the electronic payment and / or electronic payment using the card ( Security requirements, including Authentication and / or Integrity and / or Nonrepudiation, can be secured within the payment terminal device 200 without using an authentication server (or payment server) on the payment network. As a safety device for performing in a reliable structure, a predetermined message (information or data) processed in the process of the payment terminal device 200 performs a predetermined security request function (for example, electronic payment and / or electronic payment function). C) encrypts or decrypts, adds an authenticator that prevents forgery (or tampering) of the message, or is an important hack in the process of performing the security request function. It is characterized in that to perform the function of storing the shim information.

In general, the security application module 235 is preferably composed of a predetermined security application module 235 inserter and a security application module 235 chip, the security application module 235 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 235 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 200 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

According to the present invention, the security application module 235, the merchant information terminal for sale to merchants in the memory unit 290 of the security application module 235, in order to provide a consignment payment service for the consignment sales goods according to the present invention, and And / or separately stores the terminal information for consignment sale.

The terminal information provided in the security application module 235 includes at least one unique number and / or device serial number and / or ESN provided in the memory unit 250, and / or corresponds to the security application module. A bansa that includes at least one or more unique key value of the non-overlapping of the serial number of the chip and / or the key provided in the security application module, and receives a predetermined payment approval request message from the payment terminal device 200 ( Or the card company is characterized in that through the payment terminal device 200 through the terminal information to confirm the affiliated store (or merchants requesting the approval of electronic payment) is requested for payment approval. To this end, the bansa (or card company) preferably stores the terminal information and affiliated store information provided with the payment terminal device 200 in a predetermined database.

2B and 2C illustrate an embodiment of the case where the security application module 235 is an SIM-type IC card. The IC chip of the IC card constituting the security application module 235 is supplied with a power supply (VCC), Communicating (eg, commanding) with the payment terminal device 200 through contact points such as reset signal RST, clock signal CLK, ground GND, programming power supply VPP, and / or input / output (I / O), and the like. Or a processor unit 285 including an input / output interface 280 for exchanging data, and at least one computing element including a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor. Memory unit 290 including at least one memory device including a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. At least one of the memory elements A chip operating system (COS) that manages and operates an IC card internal resource is stored in a memory device (eg, a ROM) on the payment device, through a power supply (VCC) contact point of the input / output interface 280. When a predetermined power is supplied from the 200, the COS stored in the memory unit 290 is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock frequency of the contact point of the clock signal CLK (for example, Control information or data exchange between the IC chip and the payment terminal device 200 through an APDU (Application Protocol Data Unit) based on a 3.57MHz or 4.9MHz.

Referring to FIG. 2B, the security application module 235 stores terminal information of one of merchant terminal information and consigned terminal information. Referring to FIG. 2C, the security application module 235 is stored in the security application module 235. ) Is characterized in that the terminal information for merchant sales and terminal information for consignment sales are stored separately.

The affiliated store selling terminal information is owned by a customer such that a payment amount corresponding to the affiliated store sale product is processed as sales of the affiliated store when the affiliated store having the payment terminal device 200 sells at least one product to a predetermined customer. It is preferable to include the terminal information included in the full payment card payment approval request through the card, the terminal information for consignment sales is a predetermined consignment sales request agency consigned at least one consignment sales goods through the affiliated store predetermined In the case of selling to the customer, it is preferable that the payment amount corresponding to the consignment sale product includes terminal information included in the preamble of the settlement payment request request through the customer's own card so that the settlement amount is processed as the sales of the consignment sale requesting institution.

According to an embodiment of the present invention, the consignment sales requesting agency includes a bansa providing the payment terminal device 200 to the affiliated store and performing a card payment procedure using the customer card between the affiliated store and the card company. Preferably, the payment terminal device 200, when the payment for the consignment sales goods, the consignment sales terminal information corresponding to the bansa is extracted from the security application module 235 and the settlement processing of the consignment goods Included in the payment approval request for the full text, the sales for the consignment sales products corresponding to the full payment approval request is processed as the bansa sales, not the merchant sales.

According to another exemplary embodiment of the present invention, the consignment sales requesting institution preferably includes an agent managing the affiliated store, whereby the payment terminal device 200 pays for the consignment sales product, the security. Terminal information for consignment sales corresponding to the agency is extracted from the application module 235 and included in a settlement approval request message for payment processing of the consignment sales product, for the consignment sales product corresponding to the settlement approval request message. The sales are processed as the agency sales, not the merchant sales.

According to another exemplary embodiment of the present invention, the consignment sales requesting institution preferably includes a product manufacturer that manufactures (and / or distributes) a product consigned at the affiliated store, whereby the payment terminal device 200 At the time of payment for the consignment goods, the consignment sales terminal information corresponding to the product manufacturer that manufactures (and / or distributes) the consignment goods is extracted from the security application module 235 to process the settlement of the consignment goods. It is included in the full payment approval request for the sales, the sales for the consignment sales products corresponding to the full payment approval request is processed as the product manufacturer sales rather than the merchant sales.

The print output unit 240 may process the payment terminal device 200 to perform a predetermined function (eg, an electronic payment processing function using a card) and / or predetermined information or data (eg, payment) generated as a result. A printing protocol for printing the print information or data through a predetermined printing device in accordance with a predetermined printing form, characterized in that the processing result information or data) is output to a predetermined printing device (for example, a receipt printing machine). And a driver.

Referring to FIG. 2D, at least one terminal information among the merchant sales terminal information and / or consignment sales terminal information is provided in the payment terminal device 200 in addition to the memory unit 250 and / or the security application module 235. It can be included directly in the terminal program recorded on the recording medium.

As described above, the terminal program including the affiliated store selling terminal information and / or the consigned selling terminal information includes one each of the affiliated store selling terminal information and the consigned selling terminal information, and is not arbitrarily added, changed, or updated. And / or the terminal program can be used to easily add, change, or update the terminal program online.

According to an exemplary embodiment of the present invention, the affiliated store sales terminal information and the consignment sales terminal information are each separated in the form of a constant value used by a terminal program recorded on a recording medium provided in the payment terminal device 200. It may be included in the terminal program, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, any one of the terminal information of the affiliated store sale terminal information or the consignment sale terminal information is a form of a constant value used by a terminal program recorded on a recording medium provided in the payment terminal device 200. The terminal is included in the terminal program, and the remaining terminal information may be stored in the memory unit 250 or the security application module 235, whereby the present invention is not limited.

2A, 2B, 2C, and 2D, the payment terminal device 200 interoperates with the key input unit 220 for a consignment payment service for a consignment sale product according to the present invention. The payment mode check unit 255 for checking whether the payment mode of the device 200 is a payment mode for merchant sales or a consignment sale mode, and the payment mode of the payment terminal device 200 is a payment mode for merchant sales. In this case, the affiliated store sales terminal information is extracted from the memory unit 250 or the security application module 235, and when the payment mode of the payment terminal device 200 is a payment mode for consigned sales, the memory unit 250 or An information extraction unit 275 for extracting the consignment sales terminal information from the security application module 235 or the terminal program, and the merchant sales terminal according to the payment mode of the payment terminal device 200. The full text generation unit 265 for generating a payment approval request full text including pre-information or terminal information for consignment sales, and the full text of the payment approval request in conjunction with the communication processing unit 230 are transmitted through a payment network, and from the payment network. Receives a payment approval message corresponding to the payment approval request text, and outputs the payment approval details included in the payment approval text through the screen output unit 215, and / or through the print output unit 240. It is characterized by comprising a specialized processing unit 270 to output.

In addition, when the payment mode is the payment mode for consignment sales, the payment terminal device 200 receives a predetermined consignment product code from the key input unit 220, and / or a predetermined barcode reader (not shown) and / or Or it is characterized in that it further comprises an information input unit 260 for receiving a predetermined consignment product code in conjunction with a predetermined RFID reader (not shown).

According to the exemplary embodiment of the present invention, when the payment mode of the payment terminal device 200 is a consignment payment mode and a predetermined consignment product code is input through the information input unit 260, the information extraction unit 275. Preferably, the memory unit 250 further includes extracting consignment product information corresponding to the consignment product code.

In addition, when the consignment sales terminal information is linked to a plurality of product maker information, respectively, and a plurality of consignment products are input, and a predetermined consignment product code is input through the information input unit 260, the information extracting unit 275 stores the memory. After extracting the consignment merchandise information corresponding to the consignment product code from the unit 250, the consignment sales for the consignment merchandise corresponding to the merchandise maker information included in the consignment merchandise information from the memory unit 250 or the security application module 235. Preferably, the method further comprises extracting terminal information.

According to an embodiment of the present invention, the payment terminal device 200 may change (or change) the payment mode of the payment terminal device 200 from the payment mode for merchant sales to the payment mode for consignment sales, or in the payment mode for consignment sales. A key button for returning to the merchant selling payment mode, and / or changing (or switching) the payment mode of the payment terminal device 200 from the merchant selling payment mode to the consignment selling payment mode, or the consignment payment mode of sale. It is preferred that the menu is made to return to the merchant payment mode for sale.

The payment mode checking unit 255 changes (or switches) the payment mode of the payment terminal device 200 from the merchant sales payment mode to the consignment sales payment mode in connection with the key input unit 220 or the consignment sales payment. Check whether the mode returns to the merchant selling payment mode.

If the payment mode check unit 255 confirms, the payment mode of the payment terminal device 200 is changed (or switched) from the merchant sales payment mode to the consignment sales payment mode, and / or the consignment payment mode is maintained. When the electronic payment through a predetermined customer card is performed in the state, the information extracting unit 275 extracts the consignment terminal information from the memory unit 250 or the security application module 235 or the terminal program. Characterized in that, it is preferable to provide the merchant information for sale terminal to the professional generation unit 265.

On the other hand, as a result of the check by the payment mode checking unit 255, the payment mode of the payment terminal device 200 returns to the payment mode for merchant sales from the consignment payment mode, and / or maintains the payment mode for merchant sales. In the case where the electronic payment through a predetermined customer card is performed, the information extraction unit 275 is characterized in that to extract the terminal information for the merchant sales terminal from the memory unit 250 or security application module 235 or a terminal program. And, it is preferable to provide the consignment sales terminal information to the full text generation unit 265.

In addition, the information extraction unit 275 is a state in which the payment mode of the payment terminal device 200 is changed (or switched) from the merchant sales payment mode to the consignment payment mode, and / or the consignment payment mode is maintained. In the case where a predetermined consignment product code is received (or received) through the information input unit 260, the consignment product information corresponding to the consignment product code is extracted from the memory unit 250. It is preferable to provide a consignment product code and the consignment sales product information (for example, sales amount information on the consignment sales product) to the full text generation unit 265.

The information input unit 260 receives a predetermined consignment product code from the key input unit 220 when the payment mode of the payment terminal device 200 is a consignment payment mode, and / or the predetermined barcode reader ( Not shown) and / or a predetermined consignment product code in connection with a predetermined RFID reader (not shown), wherein the information extracting unit 275 is based on the input (or received) consignment product code. As a result, it is preferable to extract consignment product information corresponding to the consignment product code from the memory unit 250.

The consignment product code may include barcode information (eg, 1-dimensional barcode information, 2-dimensional barcode information, color code information, etc.) for consignment merchandise consigned at the affiliated store, and / or RFID tags attached to the consignment merchandise. Predetermined printed (or attached) to the consignment merchandise according to corresponding RFID code information (e.g., Electronic Product Code (EPC), ISO code, U-Code, etc.), and / or specifications defined by the consignment sales requesting agency. It comprises at least one product code information, and the present invention is not limited by a specific consignment product code.

The consignment sales product information extracted by the information extracting unit 275 in the consignment sales settlement mode includes a sale amount (or a settlement amount) for the consignment sale product, and sells the consignment product. By using an amount as a settlement amount of payment information included in the settlement approval request request text for the consignment sale, the misoperation of the settlement terminal device 200 generated in the consignment sale process and / or the merchant and the consignment sale by the misoperation. Disputes between requesting agencies can be prevented.

According to the exemplary embodiment of the present invention, the consignment goods information extracted by the information extraction unit 275 may further include product manufacturer information and product name information for the consignment goods.

According to another exemplary embodiment of the present invention, the consignment terminal information is processed in association with predetermined product manufacturer information, and the payment mode of the payment terminal device 200 is changed (or switched) from the merchant sales payment mode to the consignment sales payment mode. Or / or when a predetermined consignment product code is input (or received) in a state in which a payment mode for consignment sale is maintained, the information extracting unit 275 is provided to the consignment product code from the memory unit 250. It is possible to extract the corresponding consignment product information, and extract the consignment terminal information processed in association with the product manufacturer information of the consignment product information from the memory unit 250 or the security application module 235 or the terminal program. The present invention is not limited thereby.

The full text generation unit 265 receives terminal information corresponding to the payment mode of the payment terminal device 200 from among the affiliated store sales terminal information and the consigned sales terminal information through the information extraction unit 275, and the terminal information. Characterized in that it generates a payment approval request full text including a.

According to the exemplary embodiment of the present invention, when the payment mode of the payment terminal device 200 is a payment mode for merchant sales, the specialized generation unit 265 receives the affiliated store sales terminal information from the information extraction unit 275. Preferably, or when the payment mode of the payment terminal device 200 is a consignment payment mode, the full text generation unit 265 preferably receives the consignment sales terminal information from the information extraction unit 275. .

When the payment mode of the payment terminal device 200 is a consignment payment mode according to an embodiment of the present invention, the professional generation unit 265 interworks with the card reader 210 to make a payment from a predetermined customer card. Read by reading means information (e.g., credit card information, debit card information, check card information, prepaid card information, electronic wallet information, etc.) In addition, the information extracting unit 275 receives the consignment sales terminal information, the consignment product code, and the payment amount information for the consignment sales product, and interlocks with the key input unit 220 to receive the installment months, and After generating the consignment sales document serial number of the payment, the payment means including the payment means information, the payment amount and the installment months, the consignment sales document serial number and the consignment terminal information Characterized in that the full text of the request.

Alternatively, when the payment mode of the payment terminal device 200 is a payment mode for merchant sales, the full text generation unit 265 reads payment method information from a predetermined customer card in cooperation with the card reader 210. And, in connection with the key input unit 220 receives the payment amount and / or installment months for the merchant selling goods, and / or in conjunction with the cable communication unit of the communication processing unit 230 from the POS terminal to the merchant selling goods After receiving the payment amount and / or installment months (for example, the installment months can be input through the key input unit), generates a predetermined serial number for sales of merchants, and then the payment means information, payment amount and installment month It is preferable to generate a payment approval request message including the payment information including the number, the merchant serial number for sale of the merchant and the terminal information for the merchant sale.

The specialized processing unit 270 transmits the full payment approval request message generated by the professional generating unit 265 to a server (or device) on the payment network through the network communication unit of the communication processing unit 230, and the server (or Receiving a payment approval message corresponding to the full payment approval request message from the device, and outputs the payment approval details included in the received payment approval message in conjunction with the screen output unit 215 or the print output unit ( In connection with 240, the payment approval details included in the received payment approval text may be output.

According to an embodiment of the present invention, the payment network includes a van, and the server (or device) on the payment network is provided to the server (or device) provided in the bansa, and / or the card company associated with the bansa. It comprises at least one server (or device) provided, whereby the present invention is not limited.

3 is a diagram showing the configuration of information on the consignment sale product information provided in the payment terminal device 200 for the consignment sale settlement according to the embodiment of the present invention.

In more detail, FIG. 3 shows a memory unit 250 for providing a consignment payment service for consignment goods according to the present invention in the payment terminal device 200 shown in FIGS. 2A, 2B, 2C, and 2D. As shown in the preferred information configuration for the consignment goods information stored in the present invention, those skilled in the art to which the present invention belongs, reference to and / or modify the present Figure 3 to the core technical features of the present invention While it will be possible to infer an implementation method for various information configurations for consignment sales product information without departing from the above, the present invention includes all the inferred implementation methods, and an embodiment of the present invention is shown in FIG. It is by no means limited to organized information.

Referring to FIG. 3, the consignment product information includes consignment product management information and consignment product stock information. The consignment product management information includes product manufacturer information, product code information, and product name for the consignment product. Information, sales price information, merchant information in the merchant, and the like, and the consignment product inventory information includes serial number information on the consignment sale product, information on the wearing date and expiration date in the merchant, and the like.

The consignment product management information of the consignment sales product information includes all information on the consignment sales product which the consignment sales requesting agency intends to sell through the affiliated store in the process of providing the payment terminal device 200 to the affiliated store. It is preferably stored in the memory unit 250 provided in the payment terminal device 200, and periodically updated according to whether the consignment sales requesting institution adds, updates, or deletes the consignment products to be sold through the affiliated store. It is desirable to be.

The consignment stock information of the consignment merchandise information is processed in connection with predetermined consignment product management information among consignment merchandise management information of the consignment merchandise information at a time when a predetermined consignment merchandise is received at the merchant. It is preferably stored in the memory unit 250 provided in the device 200, it is preferably updated or deleted in the process of selling the received consignment goods in the merchant.

The product manufacturer information of the consigned product management information is code information for identifying a product manufacturer supplying at least one or more products consigned by the affiliated store. Preferably, the product supplied by the same product manufacturer includes the same product manufacturer information. Do. For example, if the consigned product code is EPC-based RFID code information, the product manufacturer information corresponds to a company code (EPC Manager) of the RFID code.

Alternatively, if the consignment product code conforms to the code system defined by the consignment sales requesting institution, the commodity code corresponds to code information assigned to the product manufacturer among the code systems defined by the consignment sales requesting institution.

The product code information of the consignment management information is code information for identifying a specific product manufactured by the same manufacturer (or a manufacturer), and the same product code is preferably defined for the same kind of product.

For example, if the consignment product code is EPC-based RFID code information, the product code information corresponds to an object code of the RFID code.

Alternatively, if the consignment product code conforms to the code system defined by the consignment sales requesting institution, the product code corresponds to code information defined in the same product among the code systems defined by the consignment sales requesting institution.

The product name information of the consigned goods management information is information for identifying a product corresponding to the product code information in the form of text information, and the same product name is preferably defined for the same kind of product.

The selling price information of the consignment management information includes a price for selling the consignment sale product at the affiliated store or a payment amount that a predetermined customer has to pay to purchase the consignment sale product. The selling price may be updated or adjusted according to the discount policy of the institution (or affiliated store).

The merchant information in the affiliated store of the consigned goods management information is the number of consigned goods corresponding to the consigned goods stock information processed in association with the consigned goods management information, and includes the number of consigned goods sold after being put into the merchant. .

The serial number information of the consignment inventory information is a serial number for identifying each product included in a specific product manufactured by the same manufacturer (or a manufacturer), and different serial numbers are preferably defined for the same kind of product. .

For example, if the consignment product code is a barcode, the serial number information corresponds to a serial number attached to each product in association with the barcode.

Alternatively, if the consignment product code is EPC-based RFID code information, the serial number information corresponds to a serial number of the RFID code.

Alternatively, if the consignment product code conforms to a code system defined by the consignment sales requesting agency, the serial number information corresponds to code information respectively defined for the same product among the code systems defined by the consignment sales requesting agency.

According to an embodiment of the present invention, the consignment product code may include product code information of the consignment product management information, and / or product code information of the consignment product management information and serial number information of the consignment product stock information. All of them can be made in concatenation, whereby the present invention is not limited.

For example, in FIG. 3, when the consigned product code includes the product code information of the consigned product management information, the consigned product code is “98765”, and the consigned product code corresponds to the product code information of the consigned product management information. In the case where the serial number information of the consignment stock information is concatenated, the consignment product code is "9876512345".

The receipt date information in the affiliated store of the consigned goods inventory information includes date (and / or time) information on which the consigned goods are delivered to the affiliated store and received, and the expiration date information of the consigned goods stock information is It includes the date (and / or time) information corresponding to the expiration date for each product consigned by the merchant, whereby the consignment sales requesting agency through the payment network connected to the payment terminal device 200 Inventory management and distribution management of consignment products sold by consignment can be easily handled.

4 is a diagram illustrating an operation configuration of a payment terminal device 200 that provides a consignment payment service for consignment goods according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a preferred operation method of providing a consignment payment service for consignment goods according to the present invention in the payment terminal device 200 shown in FIGS. 2A, 2B, 2C, and 2D. As those skilled in the art to which the present invention pertains, various modifications of the payment terminal device 200 may be made without referring to and / or modifying the drawing 4 so as not to violate the essential technical features of the present invention. Although it will be possible to infer an implementation method for an operation method, the present invention includes all the inferred implementation methods, and embodiments of the present invention are not limited to the operation method shown in FIG.

Referring to FIG. 4, the payment terminal device 200 determines whether the payment mode of the payment terminal device 200 is a payment mode for merchant sales or a consignment payment mode before a predetermined payment procedure is performed or at a time point at which the payment terminal device 200 is performed. Check if it is (400).

According to an embodiment of the present invention, the payment terminal device 200 may change (or change) the payment mode of the payment terminal device 200 from the payment mode for merchant sales to the payment mode for consignment sales, or in the payment mode for consignment sales. A key button for returning to the merchant selling payment mode, and / or changing (or switching) the payment mode of the payment terminal device 200 from the merchant selling payment mode to the consignment selling payment mode, or the consignment payment mode of sale. It is preferred that the menu is made to return to the merchant payment mode for sale.

For example, if the payment mode of the payment terminal device 200 is a payment mode for merchant sales, the screen of the payment terminal device 200 is output as shown in (a) of FIG. 5A and the payment mode of the payment terminal device 200. When the merchant mode is changed (or switched) from the merchant selling payment mode to the consignment selling payment mode, the screen of the payment terminal device 200 is output as shown in (b) of FIG. 5A.

If the payment mode of the payment terminal device 200 returns from the consignment payment mode for payment to the merchant sales payment mode, or maintains the payment mode for the merchant sales (404), the payment terminal device 200 is the merchant In operation 408, it is determined whether a merchant sales payment procedure corresponding to the product to be sold is started.

According to one embodiment of the invention, the merchant sales payment procedure is a predetermined payment from the customer card through the card reader unit 210 in a state in which the payment mode of the payment terminal device 200 is the payment mode for merchant sales. It is preferable to start by reading the means information.

If the merchant sales payment procedure is started (412), the payment terminal device 200 reads the predetermined payment means information from the customer card through the card reader 210 (416), the key input unit ( Receive payment information including the merchant sales payment amount and / or installment months through the 220, or receives the payment information from a predetermined POS terminal (420).

In addition, the payment terminal device 200 extracts the affiliated store sale terminal information from the memory unit 250 or the security application module 235 (424), and generates the merchant serial number for sale (428).

According to an embodiment of the present invention, the order of reading the payment means information, inputting (or receiving) the merchant sales payment information, extracting the merchant terminal information and generating the merchant serial number for the merchant sales may be changed according to the intention of those skilled in the art. Thereby, this invention is not limited.

Thereafter, the payment means information, the merchant sales payment information, the merchant sales terminal information, and the merchant sales payment authorization request message including the merchant serial number for sale is generated (432), the network of the communication processing unit 230 The payment approval request message for selling the affiliate store is transmitted through the communication unit, and the payment approval message for merchant sale corresponding to the payment approval request message for sale of the affiliate store is received from the payment network (436).

According to an embodiment of the present invention, a server (or a device) receiving the payment approval request text for the affiliate store sales on the payment network performs a payment approval procedure corresponding to the payment approval request text for the merchant sales, and the payment approval details Generates a predetermined payment approval authorization for sale, including a predetermined merchant, and transmits it to the payment terminal device 200 through the payment network.

If a predetermined payment approval text corresponding to the payment approval request text for the affiliate store sale is received through the payment network (440), the payment terminal device 200 includes the payment approval details included in the received payment approval text for the merchant. Reads and outputs to the screen output device and / or print output device provided in the payment terminal device 200 (444).

On the other hand, if the payment mode of the payment terminal device 200 returns from the merchant sales payment mode to the consignment payment mode or maintains the consignment payment mode (404), the payment terminal device 200 is the merchant. In step 448, a consignment sales settlement procedure corresponding to the product to be sold is started.

According to an exemplary embodiment of the present invention, the consignment sales settlement procedure may include predetermined payment from a customer card through the card reader unit 210 while the settlement mode of the settlement terminal device 200 is the settlement mode for consignment sales. It is preferable to start by reading the means information.

If the consignment sales settlement procedure is started (452), the payment terminal device 200 reads predetermined payment means information from the customer card through the card reader 210 (456), As shown in (c), it is checked whether a consignment product code is input through a predetermined key input device (or a barcode reader (not shown) or an RFID reader (not shown)).

If the consignment product code input for the consignment product is confirmed (464), the payment terminal device 200 extracts consignment product information corresponding to the consignment product code from the memory unit 250, as shown in FIG. 5B. As shown in (a), the payment terminal device 200 is output to the screen (468), and as shown in (b) of FIG. 5b, the consigned product payment amount is read from the consignment product information, or predetermined through the key input unit 220. By receiving the installment months, the consignment payment information corresponding to the consignment sales product information is read (or input) (472).

In addition, the payment terminal device 200 extracts the consignment sales terminal information from the memory unit 250 and / or the security application module 235 and / or the terminal program (476), and the consignment sales slip serial number. Create (480)

According to another embodiment of the present invention, when the consignment terminal information is processed in association with the product manufacturer information included in the consignment product information, the payment terminal device 200 receives the product manufacturer information included in the consignment product information. On the basis of this, the consigned terminal information may be extracted from the memory unit 250 and / or the security application module 235 and / or the terminal program, and the present invention is not limited thereto.

According to the implementation method of the present invention, the order of reading the payment means information, reading (or input) of the consignment sales payment information, extracting the terminal information for consignment sales, and generating the serial number for the consignment sales may be changed according to the intention of those skilled in the art. Thereby, this invention is not limited.

Subsequently, a full payment sales approval request request message including the payment means information, the consignment sales settlement information, the consignment sales terminal information, and the consignment sales slip serial number is generated (484), and as shown in (c) of FIG. The consignment sales payment approval request message is transmitted through the network communication unit of the communication processing unit 230, and the payment approval message for merchant sales corresponding to the consignment sales payment approval request message is received from the payment network (436).

According to an embodiment of the present invention, a server (or a device) that receives the payment authorization request text for consignment sales on the payment network performs a payment approval procedure corresponding to the payment authorization request text for consignment sales and records the payment approval details. Generates a predetermined payment approval payment for the sale, including the transmission to the payment terminal device 200 through the payment network.

If a predetermined payment approval text corresponding to the payment approval request text for consignment sale is received through the payment network (440), the payment terminal device 200 includes the payment approval details included in the received consignment payment approval text. Reads and outputs to the screen output device and / or print output device provided in the payment terminal device 200 (444).

5A and 5B illustrate a process of processing a screen of a payment terminal device 200 that provides a consignment payment service for a consignment sale product according to an exemplary embodiment of the present invention.

5a and 5b show a preferred screen processing for providing a consignment payment service for consignment goods according to the present invention in the payment terminal device 200 shown in FIGS. 2a, 2b, 2c and 2d. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b so as not to violate the essential technical features of the present invention. It will be possible to infer an implementation method for the screen processing process of the terminal device 200, but the present invention includes all the inferred implementation methods, and the embodiment of the present invention is only based on the operation method shown in FIGS. 5A and 5B. It is by no means limited.

5A and 5B, a key button (for example, a number '9' key button) provided in the payment terminal device 200 instead of a key button for switching a payment mode added to the payment terminal device 200 is shown. May be used as the key button for switching the payment mode.

5A and 5B, the payment terminal device 200 screen configuration may include, in addition to the payment processing screen, an input and output management screen configuration for a product supplied (or delivered) to the affiliated store, and / or the product. A supply request (or delivery request) screen configuration, and / or an order number inquiry screen configuration corresponding to the supply request (or delivery request) configuration, and / or a point accumulation screen configuration, and / or consignment sale by the customer visiting the merchant When purchasing goods in cash, the cash receipt processing screen configuration may be further included, whereby the present invention is not limited thereto.

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

In more detail, FIG. 6 illustrates a predetermined payment network (eg, a value added network (LAN) based on a credit card payment method in a predetermined payment terminal device 200 including a credit authorization terminal (CAT). VAN)) as an example of an implementation method for the specialized structure for payment approval request for consignment sales to a credit card company (or financial company), and those of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or may be modified to infer various implementation methods for the specialized structure of payment approval request for consignment sales corresponding to each payment means as intended by the person skilled in the art, but the present invention includes all the implementation methods inferred from the above. The specialized structure for requesting payment approval request for consignment sale is not limited to that illustrated in FIG.

Referring to FIG. 6, the payment approval request specialized structure for the consignment sale may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And a checksum (CRC-CCITT) for the specialized information after the terminating character.

The full payment approval request for consignment sales includes a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) related to the credit card payment, a Terminal_ID item for the consignment terminal information, a POS Entry Mode item, and the payment. TRACK II Data items (e.g., PAN (Primary Account Number) area of TRACK II of MS card and AD (Additional Data) corresponding to payment means information obtained from a predetermined card through a card reader provided in the terminal device 200) And / or credit card information obtained from a DD (Discretionary Data) area, or credit card information obtained from a credit card file of an IC card, and after a predetermined FS (File Separator, 0X1C) It includes the installment month item, the total amount item, and the service fee item corresponding to the payment information, and also the consignment for the Working Key Index item, the password item, and the consignment product. It comprises a product code item and consignment sale slip serial number entries. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of each item included in the payment approval request specialty for consignment sales based on the contents shown in FIG. Detailed description thereof will be omitted.

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

In more detail, FIG. 7 illustrates a predetermined payment network (eg, a value added network (VAN)) in a predetermined payment terminal device 200 including a credit authorization terminal (CAT). An example of an implementation method for a consignment sales settlement approval structure received by the payment terminal device 200 through the settlement network after transmitting a settlement approval request message for a consignment sale as shown in FIG. 6 to a card company (or a financial company) As one of ordinary skill in the art to which the present invention pertains, the present invention may be referred to and / or modified according to the expert's intention for the consignment sales payment approval request structure corresponding to the entire consignment payment approval request intention to those skilled in the art. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the payment approval for the consignment sale Statement is by no means the structure is limited to the one illustrated in the figure 7.

Referring to FIG. 7, the payment approval full text structure for the consignment sale may include at least one specialized 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 full payment approval for the consignment sale is made by including a plurality of approval result items, and each approval result item is classified through a predetermined file separator (File Separator, 0X1C).

The consignment sales settlement approval preamble may include a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) corresponding to a transaction division related to the credit card settlement included in the consignment sales settlement approval request telegram shown in FIG. Terminal_ID item for the consignment terminal information, status value item (e.g. 'O': credit card payment request normal approval, 'X': credit card payment request denied), transaction date item, message 1 item, message 2 item, message 3 item, message 4 item, authorization number item (e.g., credit approval number if status value is 'O', credit card payment rejection reason code if status value is 'X'), purchaser ID item, Card company (bank) type name item, issuer ID item, the document serial number item included in the full payment approval request for consignment sales shown in Figure 6, the merchant number item, the purchaser item, annotation item, HELP DESK It includes a PHONE NO item, a PIN DATA item, and a Control_Flag item. Those skilled in the art to which the present invention pertains will be able to clearly understand the details of the respective approval result items included in the full payment approval for the consignment with reference to FIG. Is omitted.

According to an exemplary embodiment of the present invention, when the consignment sales request agency is bansa, the annotation item may include a phrase such as "not required to submit a slip" or "submit a slip to bansa", and the slip submission may include It is preferred to be processed automatically by the bansa.

According to the present invention, when a predetermined product manufacturer requests consignment sales of at least one product to an affiliated store on the bansa-based distributor / merchant network, the product is entrusted and sold at the affiliated store through a payment terminal device provided at the affiliated store. By automatically converting the sales into sales of the product manufacturer instead of the merchant sales, there is an advantage that the consignment sales through the bansa-based dealer / merchant network can be made quickly and conveniently, thereby based on the bansa-based dealer / merchant network As the consignment sales are activated, there is an advantage that new revenue is generated in the bansa.

According to the present invention, when a product requested by a predetermined product manufacturer requests a consignment sale from the bansa to an affiliated store on the bansa-based agency / merchant network, the product is entrusted and sold by the merchant through a payment terminal device provided at the affiliated store. By automatically converting the sales to the sales of the bansa not the merchant sales, there is an advantage that the consignment sales through the bansa-based dealer / merchant network can be made quickly and conveniently, thereby to the bansa-based dealer / merchant network By activating the consignment based, there is an advantage that new revenue is generated in the bansa.

According to the present invention, when a product on a bansa-based distributor / merchant network requests a consignment sale to a merchant from a product manufactured by a predetermined product manufacturer, the product is entrusted and sold by the merchant through a payment terminal device provided at the merchant. By automatically converting the sales to the sales of the dealership rather than the merchant sales, there is an advantage that the consignment sales through the bansa-based dealer / merchant network is made quickly and conveniently, thereby to the bansa-based dealer / merchant network By activating the consignment based, there is an advantage that new revenue is generated in the bansa.

Claims (8)

In the card merchant payment terminal device, Receives the terminal identification number corresponding to the affiliated store and the payment approval request message transmitted from the payment terminal device, and stores the terminal identification number assigned to the van (VAN) operators that consign and sell a specific product through the affiliate store Memory; And When the merchant generates the payment approval request message corresponding to the specific product sale, the payment mode is changed from the payment mode for selling the product to the specific product in response to the specific key data input through the key input means. And converting the terminal unique number assigned to the van operator to consign and sell the specific product from the memory, and using the terminal unique number assigned to the extracted van operator as the terminal unique number. And a controller for controlling the transmission of the generated telegram to the van operator server after generating the authorization request telegram. In the card merchant payment terminal device, A memory for distinguishing and storing a terminal identification number corresponding to the affiliated store and at least one terminal identification number respectively assigned to a van operator distributor that consigns and sells a specific product through the affiliated store; And When the merchant generates the payment approval request message corresponding to the sale of the specific product, the payment mode is changed from the payment mode for selling the product to the payment mode for the specific product consignment in response to the specific key data input through the key input means. Converting, extracting a terminal unique number assigned to the van operator distributor from the memory, and obtaining a payment approval request full text of the terminal unique number assigned to the extracted van operator distributor as a terminal unique number; And generating and controlling the control unit to transmit the generated telegram to the van operator server. In the card merchant payment terminal device, A memory for consigning and selling a terminal unique number corresponding to the affiliated store and a specific product through the affiliated store, and storing the terminal unique number assigned to a manufacturer who manufactures the specific product; And When the merchant generates the payment approval request message corresponding to the specific product sale, the payment mode is changed from the payment mode for selling the product to the specific product in response to the specific key data input through the key input means. After converting, extracting the terminal unique number assigned to the manufacturer from the memory, generating a payment approval request full text of the terminal unique number assigned to the extracted manufacturer as a terminal unique number, (VAN) card merchant payment terminal device characterized in that it comprises a; control to transmit to the operator server. In the card merchant payment terminal device, Receives the terminal identification number corresponding to the affiliated store and the payment approval request message transmitted from the payment terminal device, and stores the terminal identification number assigned to the van (VAN) operators that consign and sell a specific product through the affiliate store Secure Application Module (SAM); And When the merchant generates the payment approval request message corresponding to the specific product sale, the payment mode is changed from the payment mode for selling the product to the specific product in response to the specific key data input through the key input means. Switching, extracting the terminal unique number assigned to the van operator (VAN) for consigning and selling the specific product from the security application module, and the terminal unique number assigned to the extracted van operator (VAN) to the terminal unique number And generating a payment approval request message, and controlling the transmission of the generated message to the van operator server. In the card merchant payment terminal device, Secure Application Module (SAM) for distinguishing and storing a terminal unique number corresponding to the affiliated store and at least one or more terminal unique numbers respectively assigned to a van operator distributor that consigns and sells a specific product through the affiliated store. ; And When the merchant generates the payment approval request message corresponding to the specific product sale, the payment mode is changed from the payment mode for selling the product to the specific product in response to the specific key data input through the key input means. Switching, extracting the terminal identification number assigned to the van operator distributor from the security application module, payment approval request for the terminal identification number assigned to the van operator distributor extracted as a terminal unique number And generating a telegram, and controlling the controller to transmit the generated telegram to the van operator server. In the card merchant payment terminal device, A secure application module (SAM) for consigning and selling a terminal specific number corresponding to the affiliated store and a specific product through the affiliated store, and storing the terminal unique number assigned to a manufacturer who manufactures the specific product; And When the merchant generates the payment approval request message corresponding to the specific product sale, the payment mode is changed from the payment mode for selling the product to the specific product in response to the specific key data input through the key input means. After converting, extracting the terminal unique number assigned to the manufacturer from the security application module, and generating a payment approval request full text of the terminal unique number assigned to the extracted manufacturer as a terminal unique number, the generated full text The control unit for controlling the transmission to the van (VAN) operator server; Card merchant terminal payment terminal comprising a. The card merchant payment terminal device according to any one of claims 1 to 6, A card reader unit for reading card information from an MS card or an IC card; At least one short range wireless device including at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth (Bluetooth), wireless LAN, Wi-Fi, and universal serial bus (USB) A short range wireless communication unit which receives card information from a customer wireless terminal through a communication unit; A key input unit for processing key data input through the key input means; A screen output unit which outputs predetermined data on a screen; A communication processor for processing data transmission and reception through a communication network; Print output unit for outputting the payment approval; And Card merchant payment terminal device characterized in that it comprises at least one; a power supply for supplying power to the payment terminal device. A computer-readable recording medium having recorded thereon a program for executing a function of the payment terminal device control unit according to any one of claims 1 to 6.

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