KR20070103650A - System and method for processing payment authentication, devices for relaying payment authentication and recording medium - Google Patents

Abstract

A system and a method for processing a payment approval, and a recording medium for the same are provided to enable a customer to provide only the mobile number and prevent usage for other purposes using an account linked with the mobile number by enabling the customer to register charges to be processed with the account linked with the mobile number and enabling a payment server to pay the registered charges with the account linked with the phone number. An information storing part links/stores customer mobile terminal number information and customer account information to a storage medium. An information receiver receives a payment approval request message including the customer mobile terminal number information. An information checker checks the customer mobile terminal number information and the customer account information included in the message by linking with the storage medium. A payment approval processor processes a payment approval corresponding to a payment approval request by using the checked customer account information. An information transmitter transmits payment approval details to a payment approval request message transmitter and a customer mobile terminal.

Description

System and Method for Processing Payment Authentication, Devices for Relaying Payment Authentication and Recording Medium}

1 is a diagram illustrating an information registration system for storing payment processing according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for storing payment processing according to an embodiment of the present invention.

3 is a view showing a storage payment system according to an embodiment of the present invention.

4 is a view showing a functional configuration of a storage terminal according to an embodiment of the present invention.

5A and 5B are views illustrating a process of generating a full payment approval request for storing payment processing in a storage terminal and transmitting the generated storage approval request message to a storage processing server according to an exemplary embodiment of the present invention.

6A and 6B illustrate an operation method of generating and transmitting a telegram in a receiving terminal according to another exemplary embodiment of the present invention.

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

8 is a diagram illustrating an operation method for confirming an operation mode of a payment terminal according to an embodiment of the present invention.

9A and 9B illustrate an operation method of generating and transmitting a telegram in a payment terminal according to an embodiment of the present invention.

10 illustrates a storage payment processing process according to an embodiment of the present invention.

11 illustrates a final payment process for storing payment according to an embodiment of the present invention.

12 illustrates a process of notifying a result of a payment settlement process according to an embodiment of the present invention.

13 is a view showing a storage payment system according to an embodiment of the present invention.

14 is a diagram illustrating an information providing process for a web-based payment settlement process according to an embodiment of the present invention.

15 illustrates a storage payment processing process according to an embodiment of the present invention.

Figure 16 shows the final payment process of storage payment according to the embodiment of the present invention.

17 illustrates a process of notifying a result of a payment settlement process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: authentication information setting unit

130: storage medium 135: client terminal

300: storage processing server 305: payment approval processing unit

310: approval processing unit 315: terminal side communication unit

320: payment result transmitter 325: payment information receiver

330: information verification unit 335: wireless processing unit

340: information transmitter 345: information receiver

350: authentication processing unit 355: financial system

360: storage terminal 365: payment terminal

370: wireless terminal

The present invention is provided with a storage terminal (or payment terminal) according to the present invention in a predetermined storage requesting institution, the customer wireless terminal number, customer account information, storage requesting agency information for the storage payment processing according to the present invention on the storage medium And / or when the payment processing target information is linked and stored, a predetermined storage payment is received from the storage terminal (or payment terminal) through a predetermined communication network (eg, a wired communication network or a wireless communication network) and / or a payment network (VAN). The present invention relates to a storage payment system for performing a storage payment processing according to the present invention based on the full text of the payment approval request for storage payment processing.

Conventionally, a method of paying utility bills, tuition fees, tuition fees, etc., is a method of paying directly through the storage requesting institution and paying by cash and / or card payment, optical character recognition (OCR) and / or magnetic ink character recognition (MICR). There is a method of visiting and paying a predetermined storage institution (eg, a bank, a post office, etc.) through a giro paper, and a method of paying using an internet payment system.

Among the payment methods described above, the payment method using the Giro paper is inconvenient that the payer should visit the bank directly with the Giro paper. Also, the payment method using the Internet payment system also depends on the Internet payment procedure. It is inconvenient to perform complicated information input process.

However, the payment method using the Giro paper and the payment method using the Internet payment system are mainly used by institutions that issue a large amount of bills such as utility bills, and small institutions such as school tuition fees and / or building rents. In the case of (or businesses), a very inconvenient payment method is used in which the payer visits the institution (or company) and pays through cash and / or credit card payment.

In particular, in the case of paying the school tuition fee of the child, parents visit the school directly and pay the tuition fee, or transfer the school tuition fee to the school through the child is mainly used. Not only is it very inconvenient, it also carries the risk of loss.

An object of the present invention, the information storage means for linking the customer communication terminal unique number information and the customer account information to store in a predetermined storage medium, and the information for receiving the full payment approval request containing the customer communication terminal unique number information Information checking means for confirming customer account information associated with a customer communication terminal unique number included in the full text, in connection with a receiving means, the storage medium (or a storage medium operating means), and the confirmed customer account information. Payment approval processing means for processing payment approval corresponding to the payment approval request by using the payment approval information; and the payment approval processing details including information transmission means for transmitting the payment approval request message transmission means and / or the customer communication means. The present invention provides a processing system and a payment approval processing method.

In accordance with an aspect of the present invention, a payment approval processing method includes: an information storing step of linking and processing a customer communication terminal unique number information and customer account information in a predetermined information storing means in a predetermined storage medium; An information receiving step of receiving, in a predetermined information receiving means, a full payment approval request message including the unique number information of the customer communication terminal; An information checking step of confirming customer account information associated with a unique number of a customer communication terminal included in the full text in association with the storage medium (or storage medium operating means) in a predetermined information checking means; A payment approval processing step of processing a payment approval corresponding to the payment approval request by using the confirmed customer account information in a predetermined payment approval processing means; And an information transmitting step of transmitting, from a predetermined information transmitting means, the payment approval processing details to the payment approval request specialized transmission means and / or the customer communication means.

According to the present invention, the information storing step, payment processing target information-payment processing target merchant information and payment processing amount information and payment processing using the customer communication terminal unique number information linked to the customer account information, payment And the processing use information and payment processing target information including at least one or more payment processing target customer information.

In addition, according to the present invention, the information checking step, payment processing target information-payment processing target merchant information and payment processing using the customer communication terminal unique number information that is processed in association with the customer account information on the storage medium; If the processing amount information, the payment processing information, and the payment processing target information including at least one or more of the payment processing target customer information, etc. are further stored, the payment processing target included in the preamble is stored in the storage medium. It further comprises the step of checking whether or not included in the target.

In addition, according to the present invention, the payment approval processing step, by checking the balance of the customer account in the payment approval processing means, to determine whether the withdrawal of money corresponding to the payment approval request; If the withdrawal result is possible, processing the provisional approval corresponding to the payment approval request in the payment approval processing means; The account withdrawal corresponding to the payment approval is transmitted from the server on the communication network connected to the payment approval processing means to the customer communication means, and when the account withdrawal approval information is received from the customer communication means, the payment approval processing means is received. Notifying; And converting the temporary approval process into an approval process based on the account withdrawal approval information in the payment approval processing means.

In addition, according to the present invention, the payment approval processing step, by checking the balance of the customer account in the payment approval processing means, to determine whether the withdrawal of money corresponding to the payment approval request; If the withdrawal result is possible, processing the provisional approval corresponding to the payment approval request in the payment approval processing means; Registering the approval processing details on a predetermined website in a server on a communication network connected to the payment approval processing means; When the customer accesses the website, the predetermined website operation means presents the registered approval details to the customer, and if the customer approves the withdrawal of the account corresponding to the approval details, the payment is approved. Notifying to the processing means; And converting the temporary approval process into an approval process based on the approval information of the customer in the payment approval processing means.

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

On the other hand, the payment approval processing system according to the present invention, the information storage means for storing a predetermined storage medium by linking the customer communication terminal unique number information and customer account information; Information receiving means for receiving the full payment approval request message including the unique number information of the customer communication terminal; Information checking means for confirming customer account information associated with the customer communication terminal identification number included in the full text, in association with the storage medium (or storage medium operating means); Payment approval processing means for processing payment approval corresponding to the payment approval request by using the confirmed customer account information; And information transmission means for transmitting the payment approval processing details to the payment approval request full text transmission means and / or the customer communication means.

According to the invention, each said means is characterized in that it is included in a single server or in a plurality of servers.

On the other hand, the payment approval relay processing apparatus according to the present invention, the receiving unit for receiving the customer communication terminal unique number information and payment approval request information; Confirmation unit for confirming the customer account information associated with the received customer communication terminal unique number information in connection with a predetermined storage medium (or storage medium operating means) by linking the customer communication terminal unique number information and the customer account information. ; And requesting payment approval to a server managing a customer account corresponding to the confirmed customer account information, and notifying the approval result from the server, receiving payment processing customer approval information in association with the customer communication means, and And a payment approval relay processing unit which transmits the payment processing customer approval information transmitted from the customer communication means to the server and requests the conversion of the approval processing to the approval processing.

According to the present invention, the payment approval relay processing apparatus, the transfer unit for transmitting the payment approval processing details to the payment approval request terminal and / or the customer communication means when the server converts the temporary approval processing to the approval processing; It is characterized by comprising a further.

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 made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating an information registration system for storing payment processing according to an embodiment of the present invention.

In more detail, Fig. 1 shows that a predetermined client terminal 135 accesses an information registration system through a predetermined network means, and the customer wireless terminal number, customer account information, storage requesting agency information, and the like for storing payment processing according to the present invention. / Or relates to a system configuration for storing the processing information linked to the storage medium 130, if one of ordinary skill in the art to which the present invention belongs, refer to and / or modify the present Figure 1 Various implementation methods for the configuration of the information registration system for payment processing may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the customer wireless terminal number, the customer account information, the storage requesting agency information and / or the payment processing target information provided from the client terminal 135 are stored in the storage medium 130 on the information registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for the sake of convenience are referred to as " information registration server "

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for storing payment processing according to the present invention includes at least one client terminal 135 connected to a predetermined network means, and the client terminal 135. A storage medium 130 for linking and storing the customer wireless terminal number, the customer account information, the storage requesting agency information, and / or the payment processing target information transmitted from the network, and the client terminal 135 through a predetermined network means. An information registration server 100 connected to receive the customer wireless terminal number, the customer account information, the storage requesting agency information, and / or the payment processing target information transmitted through the network means, and store the information in association with the storage medium 130. It is characterized by comprising a).

The client terminal 135 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a communication system, and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal comprising at least one mobile communication terminal and / or a portable internet terminal connected to an IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises above, the client terminal 135 is provided by the information registration server 100 A function configuration (eg, a browser program and a communication function) for outputting at least one interface screen, and inputting and / or selecting at least one information through the interface screen and transmitting the selected information to the information registration server 100. It is preferable that it is done.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 135 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 135 is a wired terminal, the network means includes the TCP / IP based wired network, and when the client terminal 135 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

The storage medium 130 provided on the information registration system according to the present invention is the cooperative process of the customer wireless terminal number, the customer account information, the storage requesting agency information and / or payment processing target information transmitted from the client terminal 135 Characterized in that for storing.

In this case, the customer wireless terminal number is connected to a code division multiple access (CDMA) based mobile communication network to receive voice calls, wireless messages, and wireless Internet services. Global System for Mobile terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone Phone) preferably comprises a phone number assigned to at least one mobile communication terminal.

According to another embodiment of the present invention, when the customer uses the IEEE 802.16x-based portable Internet terminal in addition to the mobile communication terminal, the customer radio terminal number corresponding to the mobile communication telephone number is the IEEE 802.16 It may further include a wireless terminal address provided in the x-based portable Internet terminal, whereby the present invention is not limited.

In addition, the customer account information preferably comprises withdrawal account information for the customer to withdraw a predetermined storage amount (or payment amount) during the storage payment processing process requested from at least one storage requesting institution.

According to the method of the present invention, the customer account information is preferably made to include the customer account number and the name of the account holder, in addition to at least one or more information according to the intention of those skilled in the art.

In addition, the storage requesting agency information is institution information requesting the customer to receive and pay at least one storage amount (or payment amount), the storage requesting institution is a school used by the customer (or the child of the customer), and / Or any institution that periodically charges the customer a predetermined storage amount (or payment amount), such as a newspaper / magazine that the customer subscribes to regularly or a management office of the apartment in which the customer resides. The present invention is not limited by the specific organization.

According to an embodiment of the present invention, the storage requesting organ information includes at least two storage requesting organs, the storage requesting institution specific information for identifying a specific storage requesting organ. Terminal information provided in a predetermined storage terminal (and / or payment terminal) provided in the storage requesting institution, and / or an identification code uniquely assigned to the storage requesting institution by a storage processing institution (for example, a financial company or a card company); And / or representative information including a business registration number (and / or a corporate registration number) assigned to the storage requesting institution, and / or a resident registration number of the representative of the storage requesting institution.

The storage requesting institution information may further include the storage requesting institution account information (or deposit account information) to which the storage amount (or payment amount) withdrawn from the customer account is to be deposited. Storage payment processing according to the process is easily processed.

If the storage requesting agency information does not include the storage requesting institution account information (or the deposit account information), the storage requesting institution account information (or the deposit account information) is stored in the storage request processing process according to the present invention. It may be provided in real time from (eg, may be provided included in the full payment approval request for storage payment processing transmitted from the storage terminal (and / or payment terminal) provided in the storage requesting institution), thereby limiting the present invention Not.

In addition, the payment processing target information is information for identifying a storage amount (or payment amount) billed to a specific customer of a plurality of storage amount (or payment amount) that can be charged to at least one or more customers. The payment processing target information may include storage item information corresponding to the storage requesting institution.

For example, if the storage requesting institution is a school, the payment processing object includes storage item information for identifying a specific lecture among a plurality of lectures opened in the school.

According to the exemplary embodiment of the present invention, the payment processing target information may include at least one or more of the payment processing target merchant information, the payment processing amount information, the payment processing usage information, and the payment processing target customer information.

According to an embodiment of the present invention, the information registration server 100 is provided with the client terminal 135 through the network means to provide a web interface corresponding to the client terminal 135 and the network means. And an interface unit 105 for connecting and managing a communication channel, whereby the information registration server 100 communicates with the client terminal 135 through a wired network and / or a wireless network. It has the function of a web server.

According to an exemplary embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 105 connects to the client terminal 135 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the client terminal 135 through a communication channel based on a Hyper-Text Transfer Protocol protocol. Transmitting and outputting the received data, and receiving and processing a predetermined customer wireless terminal number, customer account information, storage requesting agency information, and / or payment processing target information input (or selected) through the interface screen from the client terminal 135. It is desirable to perform the function.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through a CDMA based wireless network, the interface unit 105 is connected to the client terminal 135 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the client terminal 135 through the communication channel. Transmits and outputs a screen and / or an information providing screen, and transmits a predetermined customer wireless terminal number, customer account information, storage requesting agency information, and / or payment processing target information corresponding to the interface screen from the client terminal 135. It is preferable to perform a function of receiving processing.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 105 may be connected to the client terminal 135. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, and transmit and output a predetermined interface screen and / or information providing screen to the client terminal 135 through the communication channel, and the client terminal. And receiving and processing a predetermined customer wireless terminal number, customer account information, storage requesting agency information and / or payment processing target information corresponding to the interface screen from 135, and / or the client terminal. If 135 is a wireless terminal to which a communication channel is connected through a DataTAC / Mobitex based wireless network, The interface unit 105 connects a predetermined communication channel with the client terminal 135 based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and a predetermined interface with the client terminal 135 through the communication channel. Sends and outputs a screen and / or an information providing screen, and receives predetermined customer wireless terminal number, customer account information, storage requesting agency information, and / or payment processing target information corresponding to the interface screen from the client terminal 135. It is desirable to perform the function of processing.

Referring to FIG. 1, when the predetermined client terminal 135 accesses the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. Generate (or extract) a predetermined interface screen for the client terminal 135 to input (or select) and transmit predetermined customer wireless terminal number, customer account information, storage requesting agency information and / or payment processing target information. Provided with the interface providing unit 110 and the interface unit 105, the client wireless terminal number, customer account information, storage request inputted (or selected) and transmitted from the client terminal 135 through the interface screen An information receiving unit 115 for receiving institution information and / or payment processing target information; and the received customer wireless terminal number, customer account information, storage requesting agency information, and / or payment destination. To the destination information having the information storage unit 120 which stores in association processing in the storage medium 130 is characterized in that formed.

The interface providing unit 110 has a functional configuration (for example, a client) provided in the client terminal 135 when a predetermined client terminal 135 accesses the information registration server 100 through the interface unit 105. Corresponding to the browser program provided in the terminal 135, input (or select) predetermined customer wireless terminal number, customer account information, storage requesting agency information, and / or payment processing target information to register the information through the network means. Generates a predetermined interface screen that can be transmitted to the server 100, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 105 to generate the interface screen generated (or extracted) It provides to the client terminal 135 through a network means.

Thereafter, the client terminal 135 inputs (or selects) predetermined customer wireless terminal number, customer account information, storage requesting agency information and / or payment processing target information based on the interface screen, and inputs (or selects) the information. The customer wireless terminal number, the customer account information, the storage request authority information, and / or the payment processing target information are transmitted to the information registration server 100 through the network means.

The information receiving unit 115 inputs (or selects) predetermined customer wireless terminal number, customer account information, storage requesting agency information and / or payment processing target information through the interface screen on the client terminal 135. When transmitting via means, characterized in that receiving the customer wireless terminal number, customer account information, storage request information and / or payment processing target information in conjunction with the interface unit 105, the received customer wireless terminal The number, customer account information, storage requesting agency information, and / or payment processing target information are provided to the information storage unit 120.

The information storage unit 120 processes the customer wireless terminal number, the customer account information, the storage requesting agency information, and / or the payment processing target information received through the information receiving unit 115 to the storage medium 130. It is characterized by storing.

According to the present invention, when the customer wireless terminal number is first received from the client terminal 135 and stored in the storage medium 130, the information registration server 100 is in the storage payment processing process according to the present invention. And an authentication information setting unit 125 for setting predetermined storage payment authentication information for authenticating the storage payment processing through the wireless terminal corresponding to the customer wireless terminal number.

According to one embodiment of the present invention, the storing payment authentication information includes a predetermined password for authenticating the storing payment process through a wireless terminal corresponding to the customer wireless terminal number in the storing payment processing process according to the present invention. It is preferable to make.

At this time, the authentication information setting unit 125 generates (or extracts) a predetermined password input interface screen through the interface providing unit 110 to set the password as the storage payment authentication information, and the interface unit. By providing the password input interface screen to the client terminal 135 (or a wireless terminal corresponding to the customer wireless terminal number) through 105, the wireless terminal corresponding to the client terminal 135 (or the customer wireless terminal number). Receiving a predetermined password for authenticating the storage payment process through a wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention, and processing the received password as the storage payment authentication information. It is preferable to store the data in association with the customer wireless terminal number.

According to another embodiment of the present invention, the storage payment authentication information is a predetermined OTP (One) to authenticate the storage payment processing through a wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention Time Password) is preferably included.

At this time, the authentication information setting unit 125 is provided to a predetermined OTP generating program to the wireless terminal corresponding to the customer wireless terminal number through the interface unit 105 to set the OTP as the storage payment authentication information. And OTP authentication information for authenticating OTP dynamically generated through the OTP generation program mounted in the wireless terminal (eg, OTP dynamically generated through the OTP generation program mounted in the wireless terminal). Information for generating an OTP) to the storage payment authentication information and stored in association with the customer wireless terminal number.

According to another embodiment of the present invention, the storage payment authentication information for authenticating the storage payment processing through the wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention, the password and / or OTP In addition to the other authentication information (for example, the biometric information of the customer) may further include, the authentication information setting unit 125 through the wireless terminal corresponding to the customer wireless terminal number in the storage payment processing process according to the present invention. Predetermined storage payment authentication information for authenticating the storage payment processing is stored, and the stored storage payment authentication information is stored in association with the customer wireless terminal number.

Referring to FIG. 1, the storage payment authentication information is shown to be stored in the storage medium 130 in association with the customer wireless terminal number, but the present invention is not limited thereto.

The storage payment authentication information is processed in association with the customer wireless terminal number in order to provide a high security for the storage payment processing process according to the present invention can be stored in a separate database in addition to the storage medium 130, Thereby, this invention is not limited.

2 is a diagram illustrating an information registration process for storing payment processing according to an embodiment of the present invention.

In more detail, Figure 2 is a predetermined client terminal 135 is connected to the information registration server 100 through a predetermined network means through the information registration system shown in Figure 1 for the storage payment processing according to the present invention The customer wireless terminal number, the customer account information, the storage requesting agency information, and / or payment processing target information are stored and linked to the storage medium 130, and predetermined storage payment authentication information is set to be associated with the customer wireless terminal number. As a process of storing and processing, if one of ordinary skill in the art to which the present invention pertains, various implementation methods for the information registration process for storing payment processing by inferring and / or modifying the drawing 2 infer As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, although FIG. 2 illustrates that the password is set as storing payment authentication information for authenticating the storing payment process, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the present invention with reference to FIG. It is possible to infer a method of setting other payment authentication information in addition to the password, thereby not limiting the present invention.

Hereinafter, in FIG. 2, the client terminal 135 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 is referred to as a “server” for convenience.

Referring to FIG. 2, after the terminal 135 accesses the server through a network means and registers and / or logs in, the server 100 requests the server 100 to register information for the payment processing according to the present invention. The lower surface 200, the server 100 generates (or extracts) a predetermined information registration interface screen for storing payment processing, provides the terminal 135 to the terminal 135 through the network means (205), and the terminal 135. ) Inputs (or selects) the customer wireless terminal number, customer account information, storage requesting agency information, and / or payment processing target information through the information registration interface screen.

Thereafter, the terminal 135 displays the customer wireless terminal number, the customer account information, the storage request authority information, and / or the payment processing target information input (or selected) through the information registration interface screen through the network means. Transmit to 100 (215).

The server 100 receiving the customer wireless terminal number, the customer account information, the storage requesting agency information, and / or the payment processing target information for the storing and payment processing from the terminal 135 is the received customer wireless terminal number. And / or check the validity of the customer account information and / or the storage requesting agency information (220).

According to an exemplary embodiment of the present invention, the server 100 checks the validity of the wireless terminal corresponding to the customer wireless terminal number in association with the mobile communication company corresponding to the customer wireless terminal number.

In this case, the validity of the wireless terminal includes checking whether the wireless terminal is a wireless terminal that is normally operating.

In addition, the server 100 checks the validity of the customer account corresponding to the customer account information in connection with the financial system in which the financial account corresponding to the customer account information is opened.

Here, the validity of the customer account includes checking whether the customer account is the customer-owned financial account.

In addition, the server 100 checks the validity of the storage request authority corresponding to the storage request authority information.

Here, the validity of the storage requesting institution includes checking whether the storage requesting institution is affiliated with the storage processing institution (for example, a financial company or a card company) so as to process the storage payment according to the present invention.

If the validity of the customer wireless terminal number and / or customer account information and / or storage requesting agency information is not authenticated (225), the server 100 is the customer wireless terminal number and / or customer account information and / or Generate validity error information for the storage requesting agency information (230), transmit the generated validity error information to the terminal 135 through the network means, and output (235), the storage payment processing according to the present invention End the information registration process.

On the other hand, if the validity of the customer wireless terminal number and / or customer account information and / or storage request information is authenticated (225), the server 100 is the customer wireless terminal number, the customer received from the terminal 135 Account information, a storage requesting agency information, and / or payment processing target information are stored in the storage medium 130 in step 240.

In addition, the server 100 reads the customer wireless terminal number received from the terminal 135 (for example, searching whether the wireless terminal number that matches the customer wireless terminal number exists in the storage medium 130). Check whether the customer wireless terminal number is initially registered in the storage medium 130 (245).

If the customer wireless terminal number is not registered in the storage medium 130 for the first time (250), the server 100 terminates the information registration process for the storage payment processing.

On the other hand, if the customer wireless terminal number is initially registered in the storage medium 130 (250), the server 100 generates (or extracts) a predetermined password registration interface screen and the terminal 135 through the network means. (255), the terminal 135 inputs a predetermined password for authenticating the storage payment process through the password registration interface screen (260), and inputs the input password through the network means. The server 100 transmits the data to the server 100 (265).

Subsequently, the server 100 processes the password received from the terminal 135 as the storage payment authentication information and stores it in association with the customer wireless terminal number (270).

3 is a view showing a storage payment system according to an embodiment of the present invention.

In more detail, Figure 3 is provided with a storage terminal 360 (or payment terminal 365) according to the present invention in the storage requesting institution, the customer for the storage payment processing according to the present invention in the storage medium 130 When the wireless terminal number, the customer account information, the storage requesting agency information, and / or the payment processing target information are stored in association with each other, a predetermined communication network (eg, a wired communication network, from the storage terminal 360 (or payment terminal 365)) is stored. Or when a predetermined payment approval request message for a predetermined payment processing is transmitted through a wireless communication network) and / or a payment network (VAN), the storage payment processing according to the present invention is performed based on the full payment approval request text for the storage payment processing. As an implementation method for a storage payment system, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present drawing 3 according to the present invention. Another storage terminal 360 (or payment terminal 365) is provided, and the storage medium 130, the customer wireless terminal number, customer account information, storage request information and / or for the storage payment processing according to the invention Various implementation methods for the storage payment system corresponding to the case where the payment processing target information is stored in association with each other may be inferred, but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

For example, in FIG. 3, the storage processing server 300 for processing the storage payment according to the present invention is illustrated as one server, but the storage processing server 300 is the storage terminal 360 (or the payment terminal 365). ) And a wireless authentication server corresponding to the customer wireless terminal, and the present invention is not limited thereto.

According to FIG. 3, the storage payment system includes a storage terminal 360 (or a payment terminal 365), a communication network (eg, a wired communication network or a wireless communication network) and / or a payment network (VAN) provided in the storage requesting institution. And a storage processing server 300 connected to a predetermined financial system 355 and a predetermined interface means for processing a financial settlement using customer account information stored in the storage medium 130. Characterized in that made.

The financial system 355 is a computer system provided in a predetermined financial institution, and has a function of providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. The storage server 300 is linked to the storage processing server 300 through a predetermined interface means (for example, a network means for connecting the financial system 355 and an external communication network) for the storage payment processing according to the present invention.

The financial system 355 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Accounting system that handles window services such as credit or reception or trust or foreign exchange occurring in the above branch (or counter); information system that processes headquarters operations, branch information support and customer information management; and the financial system 355 ) And at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, etc.) provided on at least one other financial system 355 (and / or payment system) IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 355, and / or Is characterized in that it comprises an external system that provides a variety of financial transaction interface through at least one common network (eg CD common network, financial common network), and the financial system 355 is configured in the financial system An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 355 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 355 and the purpose of the financial system 355. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical matters of the financial system 355, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system provided in the financial system 355 for the payment processing according to the present invention by the financial system 355 in association with the storage processing server 300 through the interface means. It is preferable that a predetermined financial settlement unit interworking with the storage processing server 300 is provided.

According to the implementation method of the present invention, the financial settlement unit in connection with the storage processing server 300, the amount corresponding to the storage amount (or payment amount) requested from the storage requesting institution in the financial account corresponding to the customer account information Check whether it is deposited (e.g., whether a sufficient amount for payment processing of the storage amount (or payment amount) is deposited) and return the result to the storage processing server 300, It is preferable to make.

According to an exemplary embodiment of the present invention, when an amount corresponding to a storage amount (or payment amount) requested from the storage requesting institution is deposited in a financial account corresponding to the customer account information (for example, the storage amount (or Payment amount), the financial settlement unit in connection with the storage processing server 300 to the storage amount (or payment amount) of the amount deposited in the financial account; Preferably, the lock is set so that the amount is not withdrawn by another financial transaction request until the corresponding amount is transferred to the financial account corresponding to the storage requesting institution. The amount corresponding to the stored amount (or settlement amount) from the financial account corresponding to the customer account information, and It is advisable to transfer to the financial account corresponding to the lead requesting institution.

According to another exemplary embodiment of the present invention, when an amount corresponding to a storage amount (or payment amount) requested from the storage requesting institution is deposited in the financial account corresponding to the customer account information (for example, the storage amount ( Or a sufficient amount to settle a payment amount), and the financial settlement part of the amount (or payment amount) among the amounts deposited in the financial account in connection with the storage processing server 300. Transfer the amount of money to a temporary account (e.g., Escrow Account), and when the settlement payment is finally approved, withdraw the amount deposited in the temporary account to finance the storage requesting institution. It is preferable to transfer to the account.

Referring to FIG. 3, the storage processing server 300 may include a storage terminal 360 (or a payment terminal 365) provided in the storage requesting institution through a predetermined communication network (for example, a wired communication network or a wireless communication network). Connecting a communication channel for at least one or more professional transmission and reception for the storage payment processing according to the present invention, and / or the storage terminal 360 (or payment terminal) provided in the storage requesting institution via a predetermined payment network (VAN) (365)) and a terminal-side communication unit 315 for connecting a communication channel for at least one or more professional transmission and reception for the storage payment processing according to the present invention.

If one of ordinary skill in the art to which the present invention pertains, the terminal-side communication unit 315 is a storage terminal 360 provided in the storage requesting organ via a predetermined communication network (for example, a wired communication network or a wireless communication network). (Or payment terminal 365) and a communication channel for at least one or more professional transmission and reception, and / or storage terminal 360 (or payment) provided in the storage requesting institution through a predetermined payment network (VAN) Since the user will be familiar with the method for connecting the communication channel for transmitting / receiving at least one professional terminal with the terminal 365, a detailed description thereof will be omitted.

According to the present invention, the storage processing server 300 is the customer wireless terminal number from the predetermined storage terminal 360 (or payment terminal 365) provided in the storage requesting institution through the terminal side communication unit 315 Characterized in that it comprises a payment information receiving unit 115 for receiving a full payment approval request for a predetermined storage payment processing including a.

The payment approval request text for storing payment processing received from the storage terminal 360 (or the payment terminal 365) is a predetermined customer wireless terminal matching the number of the customer wireless terminal 370 stored in the storage medium 130. 370, characterized by including the number.

In addition, the full payment approval request for payment processing received from the storage terminal 360 (or payment terminal 365) is a predetermined payment requesting the storage requesting institution to receive (or payment processing) to the customer Characterized in that it comprises the amount information, and if the payment amount information is pre-stored in the payment processing target information stored in the storage medium 130, the payment amount information in the full payment approval request for storage payment processing Although it may be omitted, the present invention is not limited thereto.

In addition, the full payment approval request for payment processing processing received from the storage terminal 360 (or payment terminal 365), the storage request authority specific information matching the storage request authority information stored in the storage medium 130 Characterized in that it comprises at least one or more.

According to an embodiment of the present invention, the storage requesting institution specific information is terminal information provided in a predetermined storage terminal 360 (and / or payment terminal 365) provided in the storage requesting institution, and / or storage processing. An identification code uniquely assigned to the storage requesting institution by an institution (e.g., a financial company, a card company, etc.), and / or a business registration number (and / or a corporate registration number) assigned to the storage requesting institution, and / or the storage requesting institution It is preferable to include at least one or more of the representative information including the social security number of the representative.

In addition, the full payment approval request for the payment processing processing received from the storage terminal 360 (or payment terminal 365) is received from the storage terminal 360 (or payment terminal 365) provided in the storage requesting institution. The payment approval request message transmitted is made to include network connection information that can be received to the storage processing server 300 through a predetermined communication network (eg, a wired communication network or a wireless communication network), and / or the storage request. Van connection information that the full payment approval request message transmitted from the storage terminal 360 (or payment terminal 365) provided in the institution may be received to the storage processing server 300 through a predetermined payment network (VAN). It is preferable to comprise a.

In addition, the payment approval request full text for the payment processing received from the storage terminal 360 (or payment terminal 365), after the payment processing corresponding to the payment approval request text for the storage payment processing is performed, the storage It is preferable to further include information for managing the payment (for example, the document serial number).

In addition, the full payment approval request for payment processing received from the storage terminal 360 (or the payment terminal 365) corresponds to the storage requesting institution information on the storage requesting institution information stored in the storage medium 130. When the financial account information is not stored, it is preferable that the financial account information is further included.

According to the present invention, the storage processing server 300 reads out the customer wireless terminal 370 number from the full payment approval request for storing payment processing received through the payment information receiving unit 115 and stores the storage medium 130. It is characterized in that it is provided with an information confirmation unit 330 for confirming the stored customer account information is processed in association with the customer wireless terminal 370 number.

In addition, the information confirming unit 330 reads the unique information of the storage requesting institution from the full payment approval request for storage payment processing received through the payment information receiving unit 115, and the unique information and the storage requesting institution read out Comparing and authenticating the storage request authority information stored in the storage medium 130, it characterized in that the validity of the storage payment processing is authenticated.

If the validity of the storage requesting agency information stored in the storage medium 130 is not authenticated based on unique information of the storage requesting institution read from the full payment approval request for storing payment processing in the validity verification process, the storage payment processing Is rejected.

The information checking unit 330 may include at least one or more pieces of information that match the payment processing target information stored in the storage medium 130 from the full payment approval request for storing payment processing received through the payment information receiving unit 115 ( For example, it is preferable to verify the validity of the storing and payment processing by extracting the storing item information or the payment amount information and the like, and comparing and authenticating the extracted information with the payment processing target information.

According to the method of the present invention, the validity of the storage payment processing is authenticated by the information checking unit 330, and the customer account information associated with the customer wireless terminal 370 number from the storage medium 130; If is extracted, a payment procedure using the financial account corresponding to the customer account information is performed.

According to the present invention, the storage processing server 300 is the customer account information extracted from the storage medium 130 through the information checking unit 330, and the payment amount read from the full payment approval request for payment processing processing And a provision approval processing unit 310 for requesting approval of the acceptance payment processing to the financial system 355 based on the information (or payment amount information extracted from the payment processing target information).

The approval processing unit 310 provides the customer account information and the payment amount information to the financial system 355 (for example, the financial settlement unit) through a predetermined interface means, thereby providing a financial account corresponding to the customer account information. Characterized in that the customer account confirmation process for confirming whether a sufficient amount for payment processing the payment amount information is deposited.

If as a result of performing the customer account verification process, a sufficient amount for depositing the payment amount information is deposited in the financial account corresponding to the customer account information, the approval processing unit 310 is the financial system 355 (eg, the financial settlement unit) performing a customer account lock process for setting a lock in a financial account corresponding to the customer account information such that the amount corresponding to the payment amount is not withdrawn by another financial transaction; It is characterized by.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may collectively process the customer account confirmation process and the customer account lock process in connection with the financial system 355 (eg, the financial settlement unit). The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when an escrow function is provided in the financial system 355 (for example, the financial settlement unit), the approval system 310 performs the financial system 355 ( For example, in the financial account corresponding to the customer account information in connection with the financial settlement unit, a customer account lock process for setting a lock to prevent the amount corresponding to the payment amount from being withdrawn by another financial transaction may be omitted. The present invention is not limited by this.

In particular, when the customer account lockout process is omitted, the customer account confirmation process may be performed by the payment approval processing unit 305 provided in the storage processing server 300, and the present invention is not limited thereto.

According to the present invention, when the storing processing process according to the present invention is finally approved (for example, when the final approval through the customer wireless terminal 370), the financial system 355 (for example And withdrawal of the amount corresponding to the settlement amount from the financial account corresponding to the customer account information in conjunction with the financial settlement unit (and / or when the escrow function is provided in the financial system 355). And a payment approval processing unit 305 for depositing a predetermined payment amount into a financial account corresponding to the storage requesting institution, and then generating a predetermined storage payment approval history corresponding to the storage payment processing. It is done.

In addition, if the final confirmation for a predetermined time after the customer account confirmation process (and / or customer account lock process) is performed, the payment approval processing unit 305 is the storage payment processing (for example, customer account confirmation and / Or storing payment approval details corresponding to the customer account lock).

In addition, in the process of confirming the customer account, if a sufficient amount for processing the payment amount is not deposited in the financial account corresponding to the customer account information, the payment approval processing unit 305 is Characterized in that the storage payment approval history corresponding to the storage payment processing (for example, customer account deposit assistance) is generated.

According to the present invention, after the receipt processing server 300 performs the customer account confirmation process, the wireless message (for example, a short message, requesting the final approval for the receipt payment processing to the customer wireless terminal 370) is performed. Or a multimedia message), and the generated wireless message is a customer wireless terminal 370 number (or customer wireless terminal 370 extracted from the storage medium 130) received from the full payment approval request for payment processing. And an information transmitter 340 for transmitting to the customer wireless terminal 370.

The wireless message generated by the information transmitter 340 includes a callback URL for allowing the customer wireless terminal 370 to access the storage processing server 300 for final approval of the storage payment processing. Characterized in that made.

According to the present invention, the storing processing server 300 allows the customer wireless terminal 370 to connect to the storing processing server 300 through the callback UEL, and the customer wireless terminal 370 and the storing payment processing. Characterized in that it comprises a wireless processing unit 335 for connecting the communication channel for the final approval for.

When the customer wireless terminal 370 connects to the storage processing server 300 through the callback UEL, the wireless processing unit 335 makes a predetermined payment corresponding to the storage payment authentication information to the customer wireless terminal 370. Characterized by requesting authentication information.

Those skilled in the art to which the present invention pertains may generate a predetermined wireless message and transmit it to the information transmitter 340 which transmits a predetermined wireless message to the customer wireless terminal 370 in a web-to-phone manner. Preferred functional configuration for the wireless processing unit 335 that provides a wireless Internet function for allowing the customer wireless terminal 370 to access the storage processing server 300 through the callback UEL. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the present invention, the storage processing server 300 is characterized by comprising an information receiving unit 115 for receiving predetermined payment authentication information transmitted from the customer wireless terminal 370.

According to the present invention, when the storage processing server 300 is received through the information receiving unit 115, the storage payment authentication information stored in association with the customer wireless terminal 370 number is stored from the storage medium 130. And an authentication processing unit 350 for checking whether the customer finally approved the storing and payment process by extracting and comparing and authenticating the payment authentication information received through the information receiving unit 115 through the storing and payment authentication information. Characterized in that made.

When it is confirmed by the authentication processing unit 350 that the customer finally approved the storage payment processing, the payment approval processing unit 305 processes the storage payment approval process in connection with the financial system 355, Generate a predetermined payment approval details.

According to the present invention, the storage processing server 300 generates a predetermined payment approval text including the storage payment approval history generated by the payment approval processing unit 305, and transmits the payment approval text to the terminal side communication unit. It is characterized in that it comprises a payment result transmitting unit 320 for transmitting to the storage terminal 360 (or payment terminal 365) provided in the storage requesting institution through 315.

According to the exemplary embodiment of the present invention, when the storing payment is approved by the payment approval processing unit 305 and a predetermined storing payment approval is generated, the information transmitting unit 340 displays the storing payment approval details. Generate and transmit a predetermined wireless message to the customer wireless terminal 370, and / or the wireless processing unit 335 provides the storage payment approval details to the customer wireless terminal 370 to output. Do.

4 is a view showing a functional configuration of the storage terminal 360 according to the embodiment of the present invention.

More specifically, Figure 4 is a preferred functional configuration for the storage terminal 360 provided in the storage request engine on the storage payment processing system shown in Figure 3, the present invention has a general knowledge in the art If one grows up, it is possible to infer various terminal function configurations for the payment processing by referring to and / or modifying the drawing 4, but the present invention includes all the implementation methods inferred, and the embodiment shown in the drawing 4 It is not limited to the method.

Referring to FIG. 4, the storage terminal 360 basically includes a control unit 405, a memory unit 440, a key input unit 410, a screen output unit 415, a communication processing unit 430, and a print output unit 420. ) And a power supply unit 425 for supplying power to the storage terminal 360, and includes at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 405 controls the overall operation of the storage terminal 360 in the functional configuration, manages the flow of information or data between the respective components, and each of the storage terminal 360 provided for the storage payment processing Control components, and include at least one processor and execution memory (e.g., registers and / or random access memory (RAM)) in hardware, including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) And a bus (BUS) for inputting and outputting predetermined data, and loaded into the execution memory from a predetermined recording medium to perform a function specific to the storage terminal 360 by software. A predetermined program routine (Routine) and / or program data which are arithmetic processed by the processor (hence, the storage settlement process according to the present invention). In order to control a program that can be processed in software from among a predetermined program recorded on a recording medium provided in the storage terminal 360 and / or a functional configuration provided in the storage terminal 360 for the storage payment processing, 405) to be provided in the description).

According to the exemplary embodiment of the present invention, the controller 405 is configured to include the components (for example, the memory unit 440, the key input unit 410, the screen output unit 415, and the communication processing unit included in the storage terminal 360). 430 and the print output unit 420 and / or a predetermined terminal function unit (not shown) according to the intention of those skilled in the art to control the provision of the storage payment service defined in the storage terminal 360 And to execute a program recorded on a recording medium provided in the storage terminal 360 for management and / or the storing and payment processing.

The memory unit 440 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the storage terminal 360 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and the program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 405 to perform a predetermined control function ) Is stored.

Referring to FIG. 4 according to an embodiment of the present invention, the memory unit 440 preferably stores information about a predetermined storage terminal 360 corresponding to the storage terminal 360, and the storage terminal 360. The information is included in the full text generated during the payment processing.

According to the embodiment of the present invention, the storage terminal 360 information preferably corresponds to the storage requesting institution specific information for identifying and / or confirming the storage requesting organ in the storage processing server 300.

In addition, the memory unit 440 is connected to the storage processing server 300, and / or to the storage processing server 300, the storage terminal 360 via a predetermined wired communication network (or wireless communication network). In order to transmit and receive a predetermined text, it is preferable to store a predetermined storage processing server 300 address corresponding to an address system defined in the wired communication network (or wireless communication network), and at least one generated by the storage terminal 360. The full text is transmitted and received to the storage server 300 through the storage server 300 address.

In addition, the memory unit 440 may store payment amount information corresponding to at least one or more storage item information to be stored in the storage requesting institution provided with the storage terminal 360. In the storage settlement process through 360, the inputting of the payment amount information may be replaced with a process of selecting a predetermined payment amount from at least one or more payment amounts.

The key input unit 410 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or an operation mode of the storage terminal 360 controlled by the controller 405. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 405. The control unit 405 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the storage terminal 360, and / or is defined in accordance with the key event. And obtaining a command to execute a function. The key input unit 410 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the storage terminal 360.

The key input device interoperating with the key input unit 410 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the method of the present invention, the key input unit 410 is a function of the key input means for receiving at least one or more key data required in the storage payment processing process from the key input device for the storage payment processing according to the present invention It is preferable to carry out.

The key data input through the key input unit 410 in the storage payment processing process may include at least one of a customer wireless terminal 370 corresponding to the storage payment and / or predetermined payment amount information to be stored and processed. It is characterized by including the above.

The screen output unit 415 is a liquid crystal display (LCD) and / or by the control unit 405 in the process of the storage terminal 360 performs a predetermined function (for example, the electronic payment processing function using a card) And outputting at least one or more information or data which are 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. 415 and the screen output device interoperate with each other to perform a function of the screen output means provided in the storage terminal 360.

The predefined information or data to be output from the storage terminal 360 to the screen output device may include key data input through the key input unit 410, and / or components included in the storage terminal 360. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 430, and / or information corresponding to a predetermined operation result performed by the storage terminal 360 (or At least one data).

According to a preferred embodiment of the present invention, the screen output unit 415 has a function of a screen output means for outputting a processing screen corresponding to the storage payment processing step to the screen output device for the storage payment processing according to the present invention. It is preferable to carry out.

The communication processor 430 connects a communication channel for transmitting / receiving at least one or more telegrams with a predetermined storage processing server 300 so that the storage terminal 360 performs the storage payment processing according to the present invention. It is done.

According to an embodiment of the present invention, the communication processing unit 430 is an xDSL-based communication module, and the storage terminal 360 and the storage processing server 300 on the communication network are based on TCP / IP (Transmission Control Protocol / Internet Protocol). It is preferable to connect a communication through a wired communication network. In this case, at least one or more telegrams for storing and payment processing according to the present invention are transmitted and received through the TCP / IP-based wired communication network.

According to another embodiment of the present invention, the communication processing unit 430 is a modem, and the storage terminal 360 and the storage processing server 300 on the communication network as a modem (PSTN) based wired communication network It is preferable to connect through a communication, in this case at least one or more full text for the payment processing according to the invention is transmitted and received via the PSTN-based wired communication network.

According to another embodiment of the present invention, the communication processing unit 430 is a wireless communication module, the receiving terminal 360 and the receiving processing server 300 on the communication network based on the code division multiple access (CDMA) based wireless communication network, Or an IEEE 802.16x based wireless communication network or at least one wireless communication network of an IEEE 802.11x based wireless communication network. In this case, at least one or more full text for the payment processing according to the present invention may be used. Send and receive via

In addition, the communication processing unit 430 is at least with the storage processing server 300 through a predetermined value added network (VAN) in order to allow the storage terminal 360 to perform the storage payment processing according to the present invention. It is characterized by connecting a communication channel for transmitting and receiving one or more telegrams.

According to one embodiment of the invention, the payment network (VAN) preferably comprises a TCP / IP-based wired communication network, in this case, the communication processing unit 430 for connecting to the TCP / IP-based wired communication network It is preferable to include an xDSL-based communication module.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises a PSTN-based wired communication network, in this case, the communication processing unit 430 is a modem for accessing the PSTN-based wired communication network It is preferable to comprise.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises at least one or more of the wireless communication network, CDMA based wireless communication network, IEEE 802.16x based wireless communication network, or IEEE 802.11x based wireless communication network. In this case, the communication processing unit 430 preferably includes a wireless communication module for connecting to the wireless communication network.

The print output unit 420 stores a predetermined payment processing history (for example, a storage payment approval history and / or a storage payment cancellation history) generated by the storage terminal 360 and / or as a result of the storage payment processing. The printout may be output through a predetermined printing device (eg, a receipt printer), and the storage payment processing details (eg, the storage payment approval details and / or the storage payment cancellation details) may be adjusted according to a predefined printing form. It includes a printing protocol and a driver for printing through a printing apparatus.

Referring to FIG. 4, the storage terminal 360 stores the customer wireless terminal 370 number and / or payment amount information from a predetermined key input device through the key input unit 410 for storing payment processing according to the present invention. And the information input unit 445 receiving the input, the professional generation unit 450 for generating a payment approval request for the payment processing including the customer wireless terminal 370 number and / or payment information information and the generation, 450, The professional transmission unit 455 for transmitting the full payment approval request message to the storage processing server 300 on the communication network through the communication processing unit 430, and the payment from the storage processing server 300 through the communication processing unit 430. A professional receiving unit 460 for receiving a payment approval message corresponding to the full text of the request for approval, and extracting a predetermined storing and payment processing history from the received payment approval message, and outputting the screen through the screen output unit 415; and / Or award By having a specialized processor 465, which outputs printed by the print output unit 420 is characterized in that formed.

The information input unit 445 is a storage payment processing customer wireless terminal 370 number to a predetermined screen output device provided in the storage terminal 360 through the screen output unit 415 for the storage payment processing according to the present invention. And outputs an interface screen for inputting the number, and receives the number of the payment settlement customer wireless terminal 370 through the interface screen from a predetermined key input device provided in the storage terminal 360 through the key input unit 410. Characterized in that the input.

In addition, the information input unit 445 is a predetermined screen output device provided in the storage terminal 360 through the screen output unit 415 for a storage payment processing according to the present invention. Outputs an interface screen (and / or an interface screen for selecting predetermined payment amount information) for inputting payment amount information, and receives (or selects) payment amount information for the storage payment processing through the interface screen; It is characterized by.

The information input unit 445 cancels the storage payment customer wireless terminal 370 number through the screen output unit 415 to a predetermined screen output device provided in the storage terminal 360 to cancel the storage payment according to the present invention. And outputs an interface screen for inputting the number, and inputs the number of cancellation payment customer wireless terminal 370 through the interface screen from a predetermined key input device provided in the storage terminal 360 through the key input unit 410. Characterized in that the input.

In addition, the information input unit 445 is a predetermined screen output device provided in the storage terminal 360 through the screen output unit 415 to cancel the storage payment according to the present invention, the serial number subject to cancel payment Outputs an interface screen for inputting, and receives the document serial number of the payment cancellation cancellation target through the interface screen.

The full text generation unit 450 is a customer wireless terminal 370 number and / or payment amount information input through the information input unit 445 for the storage payment processing according to the present invention, the storage payment request transaction classification code, The storage terminal 360 information extracted from the memory unit 440, a date / time extracted from a predetermined timer (not shown) provided in the storage terminal 360, and a predetermined payment approval request document serial number. Characterized in that it generates a payment approval request full text including a.

In addition, the full text generation unit 450 is a customer wireless terminal 370 number and / or storage payment cancellation slip serial number and storage received through the information input unit 445 to cancel the storage payment according to the invention, and A payment cancellation transaction classification code, the storage terminal 360 information extracted from the memory unit 440, a date / time extracted from a predetermined timer (not shown) provided in the storage terminal 360, Characterized in that the payment approval cancellation full text including the payment approval cancellation document serial number of the.

When the communication processing unit 430 is connected to the storage processing server 300 through a predetermined wired communication network (or a wireless communication network), the specialized transmission unit 455 is generated through the specialized generation unit 450 The payment approval request message and / or the payment approval cancellation message may be transmitted to the wired communication network (or wireless communication network) through the communication processing unit 430, and the professional transmission unit 455 may transmit the communication processing unit 430. The payment approval request message and / or payment approval cancellation message transmitted to the wired communication network (or wireless communication network) through the network component on the wired communication network (or wireless communication network) is received by the storage processing server 300. .

Alternatively, when the communication processing unit 430 is connected to a predetermined payment network (VAN), the professional transmission unit 455 cancels the payment approval request message and / or payment approval generated through the specialty generation unit 450. Characterized in that the transmission to the payment network (VAN) through the communication processing unit 430, the payment transmitted by the professional transmission unit 455 to the payment network (VAN) through the communication processing unit 430 The approval request text and / or the payment approval cancellation text may be received by the storage processing server 300 through a van server on the payment network VAN.

After the specialized transmission unit 455 transmits a predetermined payment approval request message to the wired communication network (or wireless communication network) through the communication processing unit 430, the professional receiving unit 460 transmits the communication processing unit 430. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from the wired communication network (or wireless communication network), and the storage processing server 300 receives a predetermined payment approval corresponding to the payment approval request message. When the full message is transmitted, the payment approval message corresponding to the full text of the payment approval request is received through the communication processing unit 430.

In addition, after the specialized transmission unit 455 transmits a predetermined payment approval cancellation message to the wired communication network (or wireless communication network) through the communication processing unit 430, the professional receiving unit 460 is the communication processing unit 430 Waits for a predetermined payment cancellation message corresponding to the payment cancellation message to be received from the wired communication network (or wireless communication network), and the storage processing server 300 corresponds to the predetermined payment cancellation message for the payment cancellation message. When the payment cancellation message is transmitted, the payment cancellation message corresponding to the payment cancellation cancellation message may be received through the communication processor 430.

After the specialized transmission unit 455 transmits a predetermined payment approval request message to the payment network (VAN) through the communication processing unit 430, the professional receiving unit 460 transmits the predetermined payment approval request message through the communication processing unit 430. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from a payment network (VAN), and the storage processing server 300 transmits the predetermined payment approval message corresponding to the payment approval request message. And through the communication processing unit 430, characterized in that for receiving the payment approval message corresponding to the payment approval request full text.

In addition, after the specialized transmission unit 455 transmits a predetermined payment approval cancellation message to the payment network (VAN) through the communication processing unit 430, the professional receiving unit 460 transmits the communication processing unit 430. Waiting for a predetermined payment cancellation message corresponding to the payment cancellation cancellation message is received from the payment network (VAN), and the storage processing server 300 performs a predetermined payment cancellation message corresponding to the payment cancellation cancellation message. When the transmission, the communication processing unit 430 is characterized in that for receiving the payment cancellation full text corresponding to the payment cancellation cancellation full text.

When the specialized processing unit 465 receives a payment approval text corresponding to the full payment approval request message through the professional receiving unit 460, extracts a predetermined storage payment approval history from the payment approval text and extracts the extracted storage payment. The approval details may be output on the screen through the screen output unit 415 and / or printed out through the print output unit 420.

In addition, when the professional processing unit 465 receives a payment cancellation full text corresponding to the payment approval cancellation full text through the professional reception unit 460, extracts a predetermined storage payment cancellation history from the payment cancellation full text, and extracts the content. The received payment cancellation details are screen output through the screen output unit 415, and / or print output through the print output unit 420.

5A and 5B are diagrams illustrating a process of generating a full payment approval request for storing payment processing from the receiving terminal 360 and transmitting the generated payment approval request message to the storing processing server 300 according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B show a preamble approval request for storing payment processing in the storage terminal 360 shown in FIG. 3, and the predetermined wired communication network (or wireless) to which the storage terminal 360 is connected. Communication network) to the storage processing server 300, and specifically, FIG. 5A generates a full payment approval request for storing payment processing by inputting predetermined payment amount information in the storage terminal 360. The present invention relates to a method of transmitting to a storage processing server 300 on a communication network through a predetermined wired communication network (or a wireless communication network), and FIG. 5B is for storing payment processing by selecting predetermined payment amount information from the storage terminal 360. The present invention relates to a method for generating a payment approval request message and transmitting the generated payment approval request message to a storage processing server 300 on a communication network through a predetermined wire communication network (or a wireless communication network).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to generate the full text of the payment approval request for storing and payment processing in the storage terminal 360 to provide a predetermined wire. Various implementation methods of transmitting to the storage processing server 300 on a communication network through a communication network (or a wireless communication network) may be inferred, but the present invention includes all of the inferred implementation methods, as shown in FIGS. 5A and 5B. It is not limited to the implemented method.

For example, in the operation methods shown in FIGS. 5A and 5B, some orders of the process of generating the full payment approval request for payment processing may be changed. The present invention is illustrated in FIGS. 5A and 5B. It also includes all implementation methods in which some order of operation methods have been changed.

5A and 5B, the storage terminal 360 shown in FIG. 3 is referred to as " terminal " for convenience.

Referring to FIG. 5A, the terminal 360 selects any one storage payment operation mode among at least one storage payment operation mode included in the terminal 360 through a key input device (500a). A procedure for generating a telegram for payment processing is disclosed.

If the selected storage payment operation mode is the storage payment request mode (or the default operation mode of the terminal is the storage payment request mode) 505a, the terminal 360 displays a predetermined screen provided in the terminal 360. Outputs the interface screen for inputting the customer wireless terminal 370 number for the storage payment processing according to the present invention through the output device (510a), the interface screen through a predetermined key input device provided in the terminal 360 In operation 515a, it is checked whether a customer wireless terminal 370 number corresponding to the input is entered.

If a customer wireless terminal 370 number corresponding to the interface screen is input through a key input device provided in the terminal 360 (520a), the terminal 360 is provided to the terminal 360. Outputs an interface screen for inputting payment amount information for storing payment processing for storing payment processing according to the present invention through a screen output device (525a), and the interface through a predetermined key input device provided in the terminal 360 It is checked whether payment amount information for storing payment processing corresponding to the screen is input (530a).

If the payment amount information for storing payment processing corresponding to the interface screen is input through a key input device provided in the terminal 360 (535a), the terminal 360 receives the storage terminal from the memory unit 440. (360) extract information and storage item information, extract the specialized transmission date and the specialized transmission time from a predetermined timer (not shown) (540a), and generate a predetermined document serial number corresponding to the payment approval request. 545a, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted storage terminal 360 information, storage item information, a professional transmission date, In operation 550a, a payment approval request message for storing and payment processing is generated, including a professional transmission time and the generated document serial number.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 360 extracts a predetermined storage processing server 300 address from the memory unit 440 and the predetermined wired to which the terminal 360 is connected. The payment approval request message is transmitted through a communication network (or a wireless communication network) (555a).

Referring to FIG. 5B, the terminal 360 selects one storage payment operation mode among at least one storage payment operation mode included in the terminal 360 through a key input device (500b). A procedure for generating a telegram for payment processing is disclosed.

If the selected storage payment operation mode is the storage payment request mode (or the basic operation mode of the terminal 360 is the storage payment request mode) 505b, the terminal 360 is provided with the terminal 360. Through the screen output device of the output interface screen for inputting the number of the customer wireless terminal 370 for the storage payment processing according to the present invention (510b), through the predetermined key input device provided in the terminal 360 In operation 515b, it is checked whether a customer wireless terminal 370 number corresponding to the interface screen is input.

If the customer wireless terminal 370 number corresponding to the interface screen is input through the key input device provided in the terminal 360 (520b), the terminal 360 stores at least one or more from the memory unit 440. Extracts payment amount information corresponding to item information, outputs an interface screen for selecting payment amount information for storing payment processing to select any one of the payment amounts (525b), and is provided to the terminal 360. In operation 530b, it is checked whether payment amount information for storing payment processing corresponding to the interface screen is selected through the predetermined key input device.

If the payment amount information for storing payment processing corresponding to the interface screen is selected through the key input device provided in the terminal 360 as shown in (c) of FIG. 5 (535b), the terminal 360 stores the memory. The storage terminal 360 information and storage item information are extracted from the unit 440, and the specialized transmission date and the specialized transmission time are extracted from a predetermined timer (not shown) (540b), and the predetermined corresponding to the payment approval request is extracted. After generating the document serial number of (545b), a predetermined storage payment request transaction identification code, the input wireless terminal number and payment information for the storage payment processing, the extracted storage terminal 360 information, storage In operation 550b, a payment approval request message for storing and payment processing is generated, which includes item information, a specialized transmission date and a specialized transmission time, and the generated document serial number.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 360 extracts a predetermined storage processing server 300 address from the memory unit 440 and the predetermined wired to which the terminal 360 is connected. The full payment approval request message is transmitted through a communication network (or a wireless communication network) (555b).

6A and 6B illustrate an operation method of generating and transmitting a telegram in the storage terminal 360 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B illustrate a full payment approval request (VAN) connected to the storage terminal 360 by generating a full payment approval request for storing payment processing in the storage terminal 360 shown in FIG. As an operation method for transmitting to the storage processing server 300 through, specifically, Figure 6a is to input a predetermined payment amount information in the storage terminal 360 to generate a full payment approval request for storage payment processing request The present invention relates to an implementation method of transmitting to a storage processing server 300 through a payment network (VAN), and FIG. 6B selects predetermined payment amount information from the storage terminal 360 to generate a full payment approval request for storage payment processing. The present invention relates to an implementation method of transmitting to a storage processing server 300 through a predetermined payment network (VAN).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to generate the full payment approval request for storing payment processing at the storage terminal 360 to generate a predetermined payment network. Various implementation methods of transmitting to the predetermined storage processing server 300 through the VAN may be inferred, but the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIGS. 6A and 6B. It is not limited to this.

For example, in the operation methods shown in FIGS. 6A and 6B, some orders of the operation procedure for generating the full payment approval request for storing payment processing may be interchanged. The present invention is illustrated in FIGS. 6A and 6B. It also includes all implementation methods in which some order of the changed operation methods are changed.

6A and 6B, the storage terminal 360 shown in FIG. 3 is referred to as " terminal " for convenience.

Referring to FIG. 6A, the terminal 360 selects any one storage payment operation mode among at least one storage payment operation mode included in the terminal 360 through a key input device (600a). A procedure for creating a full text for payment processing is disclosed.

If the selected storage payment operation mode is the storage payment request mode (or the default operation mode of the terminal is the storage payment request mode) 605a, the terminal 360 outputs a predetermined screen provided in the terminal 360. Outputs the interface screen for inputting the number of the customer wireless terminal 370 for the storage payment processing according to the present invention through the device (610a), and through the predetermined key input device provided in the terminal 360 to the interface screen In operation 615a, a corresponding customer wireless terminal 370 number is input.

If a customer wireless terminal 370 number corresponding to the interface screen is input through a key input device provided in the terminal 360 (620a), the terminal 360 is provided with a predetermined number of terminals 360. Outputs an interface screen for inputting payment amount information for storing payment processing for storing payment processing according to the present invention through a screen output device (625a), and the interface through a predetermined key input device provided in the terminal 360 It is checked whether payment amount information for storing payment processing corresponding to the screen is input (630a).

If the payment amount information for storing payment processing corresponding to the interface screen is input through a key input device provided in the terminal 360 (635a), the terminal 360 receives the storage terminal from the memory unit 440. (360) extract information and storage item information, extract the specialized transmission date and the specialized transmission time from a predetermined timer (not shown) (640a), and generate a predetermined document serial number corresponding to the payment approval request. 645a, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted storage terminal 360 information, storage item information, a professional transmission date, In operation 650a, a payment approval request text for a storage payment processing including a professional transmission time and the generated document serial number is generated.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the payment approval request text for storing payment processing is generated as described above, the terminal 360 transmits the payment approval request message through a predetermined payment network (VAN) (655a).

Referring to FIG. 6B, the terminal 360 selects any one storage payment operation mode among at least one storage payment operation mode included in the terminal 360 through a key input device (600b). A procedure for generating a telegram for payment processing is disclosed.

If the selected storage payment operation mode is the storage payment request mode (or the basic operation mode of the terminal 360 is the storage payment request mode) 605b, the terminal 360 is provided in the terminal 360. Outputs an interface screen for inputting the customer wireless terminal 370 number for storing payment processing according to the present invention through a predetermined screen output device (610b), and through a predetermined key input device provided in the terminal 360 In operation 615b, it is checked whether the customer wireless terminal 370 number corresponding to the interface screen is input.

If a customer wireless terminal 370 number corresponding to the interface screen is input through a key input device provided in the terminal 360 (620b), the terminal 360 stores at least one or more from the memory unit 440. Extracts payment amount information corresponding to item information, outputs an interface screen for selecting payment amount information for storing payment processing to select any one of the payment amounts (625b), and is provided to the terminal 360 Through the predetermined key input device, it is checked whether payment amount information for storing payment processing corresponding to the interface screen is selected (630b).

If the payment amount information for storing payment processing corresponding to the interface screen is selected through a key input device provided in the terminal 360 (635b), the terminal 360 receives the storage terminal from the memory unit 440. (360) extract information and storage item information, extract the specialized transmission date and the specialized transmission time from a predetermined timer (not shown) (640b), and generate a predetermined document serial number corresponding to the payment approval request. 645b, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted storage terminal 360 information, storage item information, and a professional transmission date; In operation 650b, a payment approval request text for a storage payment processing including a professional transmission time and the generated document serial number is generated.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 360 transmits the full text of the payment approval request through a predetermined payment network (VAN) (655b).

7 is a diagram illustrating a functional configuration of a payment terminal 365 according to an embodiment of the present invention.

In more detail, FIG. 7 is a payment terminal 365 including a credit authorization terminal (CAT) provided in a storage requesting institution on the storage payment processing system shown in FIG. 3, at least one corresponding to the storage requesting institution. Regarding the terminal function configuration for performing the above-mentioned storage payment process, those skilled in the art to which the present invention pertains, various terminal function configuration for the storage payment processing by referring to and / or modified in this figure 7 It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, the payment terminal 365 basically includes a control unit 705, a memory unit 750, a card reader unit 710, a key input unit 720, a screen output unit 715, and a communication processing unit 730. And a security application module 735, a print output unit 740 and a power supply unit 725 for supplying power to the payment terminal 365, at least one terminal functional unit according to the intention of the skilled person ( Omission).

The control unit 705 controls the overall operation of the payment terminal 365 in accordance with the function configuration, manages the flow of information or data between each component, and each of the payment terminal 365 provided for the payment processing process Control components, and include at least one processor and execution memory (e.g., registers and / or random access memory (RAM)) in hardware, including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) And a bus (BUS) for inputting and outputting predetermined data, and loaded into the execution memory from a predetermined recording medium to perform a function specific to the payment terminal 365 by software. A predetermined program routine (Routine) and / or program data which are arithmetic processed by the processor (hence, the storage settlement process according to the present invention). The controller is a component that can be processed in software from a predetermined program recorded on a recording medium provided in the payment terminal 365 and / or a functional configuration provided in the payment terminal 365 for the storage payment processing. 705 to be provided as illustrated).

According to an embodiment of the present invention, the control unit 705 outputs the components provided in the payment terminal 365 (for example, the memory unit 750, the card reader unit 710, the key input unit 720, and a screen output). The payment terminal 365 by interworking with the communication unit 715, the communication processing unit 730, the security application module 735, the print output unit 740 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art. In addition to controlling and managing providing the electronic payment service defined in the above), the components provided in the payment terminal 365 for interworking control and / or the storing It is preferable to execute a program recorded in a recording medium provided in the payment terminal 365 for payment processing.

The memory unit 750 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the payment terminal 365 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and the program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 705 to perform a predetermined control function ) Is stored.

According to the exemplary embodiment of the present invention, the memory unit 750 may store predetermined payment terminal 365 information corresponding to the payment terminal 365, and the payment terminal 365 information may be stored in the payment. Included in the full text generated during the process.

According to the embodiment of the present invention, the payment terminal 365 information preferably corresponds to the storage requesting institution specific information for identifying and / or confirming the storage requesting organ in the storage processing server 300.

In addition, the memory unit 750, the payment terminal 365 is connected to a predetermined storage server 300 via a predetermined wired communication network (or a wireless communication network), and / or to the storage processing server 300 In order to transmit and receive a predetermined text, it is preferable to store a predetermined storage processing server 300 address corresponding to an address system defined in the wired communication network (or wireless communication network), and at least one generated by the payment terminal 365. The full text is transmitted and received to the storage server 300 through the storage server 300 address.

In addition, the memory unit 750 may store payment amount information corresponding to at least one or more storage item information to be stored in the storage requesting institution provided with the payment terminal 365, whereby the payment terminal In the storage settlement process through 365, the inputting of the payment amount information may be replaced with a process of selecting a predetermined payment amount from at least one or more payment amounts.

The payment terminal 365 is based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or contact IC card based on the ISO / IEC 7816 standard, and / or contactless based on the ISO / IEC 14443 standard And a card reader unit 710 for reading at least one or more information or data from the card to perform an electronic payment procedure through at least one of the IC cards.

According to an embodiment of the present invention, the card reader unit 710 is an MS reader unit that provides an interface between the MS card and the payment terminal 365, and / or the contact IC card and the payment terminal 365. And a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the payment terminal 365.

The MS reader unit is a card reader unit 710 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal 365 by using the loaded.

The contact IC reader unit is a card reader unit 710 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal (365).

The contactless IC reader unit is a card reader unit 710 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 365.

According to an embodiment of the present invention, the card reader 710 is provided with predetermined card information (eg, in a card) from at least one or more card readers 710 for the electronic payment service defined in the payment terminal 365. The payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account).

The key input unit 720 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal 365 controlled by the controller 705. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 705. The control unit 705 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 365, and / or is defined in accordance with the key event. Characterized in that for obtaining a command to execute the function. The key input unit 720 and the key input device including at least one or more key buttons interoperate with each other to perform a function of key input means provided in the payment terminal 365.

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

According to the exemplary embodiment of the present invention, the key input unit 720 may provide key data (eg, a payment amount) 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 365. It is preferable to perform a function of the key input means for receiving the input, etc. Also, the key input for receiving at least one or more key data required in the storage payment processing process from the key input device for the storage payment processing according to the present invention It is desirable to perform the function of the means.

The key data input through the key input unit 720 in the storing and payment processing process may include at least one customer wireless terminal 370 number corresponding to the storing and at least one predetermined payment amount information to be stored and processed. It is characterized by including the above.

The screen output unit 715 is a liquid crystal display (LCD) and / or by the control unit 705 in the process of the payment terminal 365 performs a predetermined function (for example, the electronic payment processing function using a card) And outputting at least one or more information or data which are 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. 715 and the screen output device interoperate with each other to perform the function of the screen output means provided in the payment terminal 365.

The predefined information or data to be output from the payment terminal 365 to the screen output device may include key data input through the key input unit 720 and / or components provided in the payment terminal 365. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 730, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 365. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 715 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 365 It is preferable to perform a function of an output means, and it is also preferable to perform a function of a screen output means for outputting a processing screen corresponding to the storage payment processing step to the screen output device for the storage payment processing according to the present invention. .

The communication processor 730 connects a communication channel for transmitting and receiving at least one or more telegrams with a predetermined storage processing server 300 in order for the payment terminal 365 to perform the storage payment processing according to the present invention. It is done.

According to one embodiment of the invention, the communication processing unit 730 is an xDSL-based communication module, the payment terminal 365 and the receiving processing server 300 on the communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol) It is preferable to connect a communication through a wired communication network. In this case, at least one or more telegrams for storing and payment processing according to the present invention are transmitted and received through the TCP / IP-based wired communication network.

According to another exemplary embodiment of the present invention, the communication processing unit 730 is a modem, and the payment terminal 365 and the receiving processing server 300 on the communication network is a public switched telephone network (PSTN) based wired communication network. It is preferable to connect through a communication, in which case at least one or more telegrams for storing and payment processing according to the present invention is transmitted and received through the PSTN-based wired communication network.

According to another embodiment of the present invention, the communication processing unit 730 is a wireless communication module, the payment terminal 365 and the receiving processing server 300 on the communication network based on the code division multiple access (CDMA) based wireless communication network, Or an IEEE 802.16x based wireless communication network or at least one wireless communication network of an IEEE 802.11x based wireless communication network. In this case, at least one or more full text for the payment processing according to the present invention may be used. Send and receive via

In addition, the communication processing unit 730 is at least with the storage processing server 300 through a predetermined value added network (VAN) in order for the payment terminal 365 to perform the storage payment processing according to the present invention. It is characterized by connecting a communication channel for transmitting and receiving one or more full text.

According to one embodiment of the present invention, the payment network (VAN) preferably comprises a TCP / IP-based wired communication network, in this case, the communication processing unit 730 for accessing the TCP / IP-based wired communication network It is preferable to include an xDSL-based communication module.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises a PSTN-based wired communication network, in this case, the communication processing unit 730 includes a modem for accessing the PSTN-based wired communication network. It is preferable to make it.

According to another embodiment of the present invention, the payment network (VAN) preferably comprises at least one or more of the wireless communication network, CDMA based wireless communication network, IEEE 802.16x based wireless communication network, or IEEE 802.11x based wireless communication network. In this case, the communication processing unit 730 preferably comprises a wireless communication module for connecting to the wireless communication network.

The secure application module (735) is a confidentiality and / or authentication required by the payment terminal 365 in the process of performing the electronic payment and / or electronic payment using the card. And / or security requirements, including integrity and / or nonrepudiation, are secure and trusted within the payment terminal 365 without using an authentication server (or payment server) on the payment network. As a safety device for performing in a possible structure, a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment and / or electronic payment function) is performed by the payment terminal 365. Adds an authenticator that encrypts or decrypts, prevents forgery (or tampering) of the message, or stores sensitive key information in the process of performing the security request function And performing a function according to claim.

In general, the security application module 735 is preferably composed of a predetermined security application module 735 inserter and the security application module 735 chip, the security application module 735 chip is a chip containing at least 8 bits or more CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) having a performance of 2 MIPS or more. It is preferable to comprise a.

In addition, the security application module 735 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 365 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, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, privilege 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 / delete / discard / initialization / Reprocessing / cancellation command).

The print output unit 740 is a process of performing the electronic payment process by the payment terminal 365 and / or a predetermined electronic payment processing history (e.g., electronic payment approval history and / or electronic payment cancellation history) generated as a result ) Is printed out through a predetermined printing device (eg, a receipt printer), and the electronic payment processing details (eg, electronic payment approval details and / or electronic payment cancellation details) in accordance with a predefined printing form. It includes a printing protocol and a driver for printing through the printing device.

The print output unit 740 is a process of the payment terminal 365 to perform the storage payment processing and / or a predetermined storage payment processing history (for example, storage payment approval history and / or storage payment cancellation history generated as a result) ) Is printed and output through a predetermined printing device (for example, a receipt printer), and the storage payment processing details (for example, storage payment approval details and / or storage payment cancellation details) in accordance with a predefined printing form. It includes a printing protocol and a driver for printing through the printing device.

Referring to FIG. 7, the payment terminal 365 checks whether the operation mode of the payment terminal 365 is an electronic payment mode or a storage payment mode according to the present invention for storing payment processing. And, when the check result payment terminal 365 operation mode is the storage payment mode according to the present invention, the customer wireless terminal 370 number and / or payment amount from a predetermined key input device via the key input unit 720 An information input unit 760 for receiving information, a full text generation unit 765 for generating a full text of a payment approval request for storing payment processing including the customer wireless terminal 370 number and / or payment amount information; The professional transmission unit 770 for transmitting the full payment approval request message to the storage processing server 300 on the communication network through the communication processing unit 730, and the payment from the storage processing server 300 through the communication processing unit 730. Respond to the entire request for approval Is a professional receiving unit 775 for receiving a payment approval message, and extracts a predetermined storing and payment processing details from the received payment approval message and outputs the screen through the screen output unit 715, and / or the print output unit. Characterized in that it comprises a specialized processing unit 780 for printing output through the (740).

The mode checking unit 755 is an operation mode of the payment terminal 365 is an electronic payment mode using a card (eg, MS card, IC card) equipped with at least one or more payment means, or according to the present invention. Characterized by checking whether the storage payment mode using the terminal 370 number.

If the operation mode of the payment terminal 365 is the electronic payment mode, the payment terminal 365 is a payment means information provided in a predetermined card (eg, MS card, IC card) through the conventional electronic payment processing function configuration Perform electronic payment processing procedure using.

On the other hand, if the operation mode of the payment terminal 365 is a storage payment mode according to the present invention, the payment terminal 365 is the information input unit 760, the professional generation unit 765, the professional transmission unit 770 and the professional receiver The storage settlement processing procedure according to the present invention is performed through the 775 and the specialized processing unit 780.

The information input unit 760 receives the payment processing customer wireless terminal 370 number through the screen output unit 715 to a predetermined screen output device provided in the payment terminal 365 for the storage payment processing according to the present invention. And outputs an interface screen for inputting the number, and receives the number of the payment settlement customer wireless terminal 370 through the interface screen from a predetermined key input device provided in the payment terminal 365 through the key input unit 720. Characterized in that the input.

In addition, the information input unit 760 is a predetermined screen output device provided in the payment terminal 365 through the screen output unit 715 for a storage payment processing according to the present invention. Outputs an interface screen (and / or an interface screen for selecting predetermined payment amount information) for inputting payment amount information, and receives (or selects) payment amount information for the storage payment processing through the interface screen; It is characterized by.

The information input unit 760 cancels the storage payment customer wireless terminal 370 number through the screen output unit 715 to a predetermined screen output device provided in the payment terminal 365 to cancel the storage payment according to the present invention. And outputs an interface screen for inputting the received number, and cancels the payment settlement customer wireless terminal 370 number through the interface screen from a predetermined key input device provided in the payment terminal 365 through the key input unit 720. Characterized in that the input.

In addition, the information input unit 760 is a predetermined screen output device provided in the payment terminal 365 through the screen output unit 715 to cancel the storage payment according to the present invention serial number Outputs an interface screen for inputting, and receives the document serial number of the payment cancellation cancellation target through the interface screen.

The full text generation unit 765 is a customer wireless terminal 370 number and / or payment amount information input through the information input unit 760 for the payment processing according to the present invention, the storage payment request transaction classification code, The payment terminal 365 information extracted from the memory unit 750, a date / time extracted from a predetermined timer (not shown) provided in the payment terminal 365, and a predetermined payment approval request document serial number Characterized in that it generates a payment approval request full text including a.

In addition, the full text generation unit 765 is a customer wireless terminal 370 number and / or storage payment cancellation document serial number and storage received through the information input unit 760 to cancel the storage payment according to the present invention, storage A payment cancellation transaction classification code, information on the payment terminal 365 extracted from the memory unit 750, a date / time extracted from a predetermined timer (not shown) provided in the payment terminal 365, and Characterized in that the payment approval cancellation full text including the payment approval cancellation document serial number of the.

When the communication processing unit 730 is connected to the storage processing server 300 through a predetermined wired communication network (or a wireless communication network), the specialized transmission unit 770 is generated through the specialized generation unit 765 The payment approval request message and / or payment approval cancellation message may be transmitted to the wired communication network (or wireless communication network) through the communication processing unit 730, and the professional transmission unit 770 may transmit the communication processing unit 730. The payment approval request message and / or payment approval cancellation message transmitted to the wired communication network (or wireless communication network) through the network component on the wired communication network (or wireless communication network) is received by the storage processing server 300. .

Alternatively, when the communication processing unit 730 is connected to a predetermined payment network (VAN), the professional transmission unit 770 is the payment approval request full text and / or cancellation of payment approval generated through the professional generation unit 765 Characterized in that the transmission to the payment network (VAN) through the communication processing unit 730, the payment transmitted by the professional transmission unit 770 to the payment network (VAN) through the communication processing unit 730. The approval request text and / or the payment approval cancellation text may be received by the storage processing server 300 through a van server on the payment network VAN.

After the specialized transmission unit 770 transmits a predetermined payment approval request message to the wired communication network (or wireless communication network) through the communication processing unit 730, the professional receiving unit 775 sends the communication processing unit 730. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from the wired communication network (or wireless communication network), and the storage processing server 300 receives a predetermined payment approval corresponding to the payment approval request message. When transmitting the full message, the payment approval message corresponding to the full text of the payment approval request is received through the communication processing unit 730.

In addition, after the professional transmission unit 770 transmits a predetermined payment approval cancellation message to the wired communication network (or wireless communication network) through the communication processing unit 730, the professional reception unit 775 is the communication processing unit 730. Waits for a predetermined payment cancellation message corresponding to the payment cancellation message to be received from the wired communication network (or wireless communication network), and the storage processing server 300 corresponds to the predetermined payment cancellation message for the payment cancellation message. When the payment cancellation message is transmitted, the payment cancellation message corresponding to the payment cancellation cancellation message may be received through the communication processor 730.

After the specialized transmission unit 770 transmits a predetermined payment approval request message to the payment network VAN through the communication processing unit 730, the professional receiving unit 775 transmits the predetermined payment approval request message to the payment network VAN through the communication processing unit 730. Waiting for a predetermined payment approval message corresponding to the payment approval request message is received from a payment network (VAN), and the storage processing server 300 transmits the predetermined payment approval message corresponding to the payment approval request message. And through the communication processing unit 730, characterized in that for receiving the payment approval full text corresponding to the payment approval request full text.

In addition, after the specialized transmission unit 770 transmits a predetermined payment approval cancellation message to the payment network (VAN) through the communication processing unit 730, the professional receiving unit 775 sends the communication processing unit 730. Waiting for a predetermined payment cancellation message corresponding to the payment cancellation cancellation message is received from the payment network (VAN), and the storage processing server 300 performs a predetermined payment cancellation message corresponding to the payment cancellation cancellation message. When transmitting, the payment cancellation full message corresponding to the full payment approval cancellation message is received through the communication processing unit 730.

When the professional processing unit 780 receives a payment approval text corresponding to the payment approval request text through the professional receiving unit 775, extracts a predetermined storage payment approval history from the payment approval text, and extracts the received storage payment. The approval details may be output on the screen through the screen output unit 715, and / or printed out through the print output unit 740.

In addition, when the professional processing unit 780 receives a payment cancellation full text corresponding to the payment approval cancellation full text through the professional reception unit 775, extracts a predetermined storage payment cancellation history from the payment cancellation full text, and extracts the extracted payment details. The received payment cancellation details are screen output through the screen output unit 715, and / or printed output through the print output unit 740.

8 is a diagram illustrating an operation method for confirming an operation mode of a payment terminal 365 according to one embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of checking whether the operation mode of the payment terminal 365 shown in FIG. 3 is an electronic payment operation mode using a conventional card or a storage payment operation mode according to the present invention. Those skilled in the art will be able to infer various implementation methods for confirming the operation mode of the payment terminal 365 by referring to and / or modifying the drawing 8, but the present invention can be inferred It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 8, the terminal 365 checks the operation mode of the terminal 365 for payment processing through the terminal 365 before performing at least one payment procedure (800).

If the check result is that the operation mode of the terminal 365 is not a storage payment operation mode (for example, if the electronic payment operation mode using a conventional card) (805), the terminal 365 is an electronic payment procedure using a conventional card In step 810, the process of checking the operation mode of the terminal 365 is repeated.

On the other hand, if it is determined that the operation mode of the terminal 365 is a storage payment operation mode (805), the terminal 365 checks whether the operation mode is a storage payment request mode according to the present invention (815).

If the check result is that the operation mode of the terminal 365 is the storage payment request mode (820), the terminal 365 is a process for generating a full payment approval request for the storage payment processing shown in Figure 9a and / or 9b Do this.

On the other hand, if the check result is that the operation mode of the terminal 365 is not a storage payment request mode (820), the terminal 365 is a function corresponding to the current operation mode of the terminal 365 (eg, terminal control function, calculator) Function, cash receipt processing function, etc.) (825).

9A and 9B illustrate an operation method of generating and transmitting a full text in a payment terminal 365 according to one embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate a full payment approval request (VAN) to which the payment terminal 365 is connected by generating the full payment approval request for the payment processing in the payment terminal 365 shown in FIG. As a process for transmitting to the storage processing server 300 through, specifically, Figure 9a is a predetermined payment by inputting the predetermined payment amount information in the payment terminal 365 to generate a full payment approval request for storage payment processing The method for transmitting to the storage processing server 300 through a network (VAN), Figure 9b is to select a predetermined payment amount information from the payment terminal 365 to generate a full payment approval request for storage payment processing The present invention relates to an implementation method of transmitting to a storage processing server 300 through a predetermined payment network (VAN).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 9a and 9b to generate a full payment approval request for storing payment processing at the payment terminal 365 to generate a predetermined payment network. Various implementation methods for transmitting to a predetermined storage processing server 300 may be inferred through the VAN, but the present invention includes all of the inferred implementation methods, and is shown in FIGS. 9A and 9B. It is not limited to this.

For example, in the operation methods shown in FIGS. 9A and 9B, some orders of the process of generating the full payment approval request for storing payment processing may be interchanged, and the present invention may be interchanged with each other in FIGS. 9A and 9B. It also includes all implementation methods in which some order of operation methods have been changed.

In the following Figures 9a and 9b, the payment terminal 365 shown in Figure 9 is referred to as "terminal" for convenience.

Referring to FIG. 9A, if the operation mode of the terminal 365 shown in FIG. 8 confirms that the operation mode of the terminal 365 is a storage payment request mode, the terminal 365 is provided in the terminal 365. Outputs an interface screen for inputting the number of the customer wireless terminal 370 for storing payment processing according to the present invention through a predetermined screen output device (910a), through a predetermined key input device provided in the terminal 365 In operation 915a, it is determined whether the customer wireless terminal 370 number corresponding to the interface screen is input.

If a customer wireless terminal 370 number corresponding to the interface screen is input through a key input device provided in the terminal 365 (920a), the terminal 365 is provided with a predetermined number of the terminal 365. Outputs an interface screen for inputting payment amount information for storing payment processing for storing payment processing according to the present invention through a screen output device (925a), and through the predetermined key input device provided in the terminal 365 In operation 930a, it is checked whether payment amount information for storing payment processing corresponding to the screen is input.

If the payment amount information for storing payment processing corresponding to the interface screen is input through a key input device provided in the terminal 365 (935a), the terminal 365 receives the payment terminal from the memory unit 750. (365) extract information and storage item information, extract the professional transmission date and the professional transmission time from a predetermined timer (not shown) (940a), and generate a predetermined document serial number corresponding to the payment approval request. 945a, a predetermined payment request transaction identification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted payment terminal 365 information, storage item information, and a professional transmission date; In operation 950a, a payment approval request message for storing and payment processing is generated, including the full text transmission time and the generated document serial number.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the full payment approval request for storing payment processing is generated as described above, the terminal 365 transmits the full text of the payment approval request through a predetermined payment network (VAN) (955a).

Referring to FIG. 9B, if the operation mode of the terminal 365 shown in FIG. 8 confirms that the operation mode of the terminal 365 is a storage payment request mode, the terminal 365 is provided in the terminal 365. Outputs an interface screen for inputting the number of the customer wireless terminal 370 for storing payment processing according to the present invention through a predetermined screen output device (910b), through a predetermined key input device provided in the terminal 365 In operation 915b, it is checked whether a customer wireless terminal 370 number corresponding to the interface screen is input.

If a customer wireless terminal 370 number corresponding to the interface screen is input through a key input device provided in the terminal 365 (920b), the terminal 365 stores at least one or more from the memory unit 750. Extracts payment amount information corresponding to item information, outputs an interface screen for selecting payment amount information for storing payment processing to select any one of the payment amounts (925b), and is provided to the terminal 365 Through the predetermined key input device, it is checked whether payment amount information for storing payment processing corresponding to the interface screen is selected (930b).

If the payment amount information for storing payment processing corresponding to the interface screen is selected through the key input device provided in the terminal 365 (935b), the terminal 365 is the payment terminal from the memory unit 750; (365) extract information and storage item information, extract the professional transmission date and the professional transmission time from a predetermined timer (not shown) (940b), and generate a predetermined document serial number corresponding to the payment approval request. 945b, a predetermined storage payment request transaction classification code, the input wireless terminal number and payment amount information for storage payment processing, the extracted payment terminal 365 information, storage item information, and a professional transmission date; In operation 950b, a payment approval request message for storing and payment processing including a full text transmission time and the generated document serial number is generated.

According to another exemplary embodiment of the present invention, the process of receiving, and / or extracting, and / or generating at least one or more information included in the full payment approval request for storing payment processing in the above-described process may be performed by those skilled in the art. According to the present invention, the order of minutes may be changed, but the present invention includes all the methods of implementation in which the order is partially changed, and thus the present invention is not limited thereto.

When the payment approval request text for storing payment processing is generated as described above, the terminal 365 transmits the payment approval request text through a predetermined payment network (VAN) (955b).

10 illustrates a storage settlement process according to an embodiment of the present invention.

More specifically, FIG. 10 shows the storage server shown in FIG. 3 through the process shown in FIGS. 5A and / or 5B and / or 6A and / or 6B and / or 9A and / or 9B. When a predetermined payment approval request text for a predetermined payment processing is received at 300, the storage processing server 300 confirms the validity of the payment processing based on the payment approval request text, and completes the payment approval request text. Extracting the customer wireless terminal 370 number from the user, extracting the customer account information from the storage medium 130 based on the customer wireless terminal 370 number, and whether the storing and payment processing is possible through the customer account deposit; As a process for confirming, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 10 and request for payment approval for the storage payment processing. Would be able to derive a wide range of storage payment process using the door, the present invention includes all the embodiments in which the inference method, not limited to the present exemplary method shown in Figure 10 side.

Hereinafter, in FIG. 10, the storage processing server 300 shown in FIG. 3 is referred to as " server " for convenience.

Referring to FIG. 10, the entire payment approval request for a predetermined payment processing process is performed through the process shown in FIGS. 5A and / or 5B and / or 6A and / or 6B and / or 9A and / or 9B. When received (1000), the server 300 extracts the storage request authority unique information from the full payment approval request for the storage payment processing, and compares and authenticates with the storage request authority information stored in the storage medium 130 In operation 1005, the validity of the storage requesting institution that transmits the full payment approval request for storage payment processing is transmitted.

If the validity of the unique information of the storage requesting institution is not authenticated (for example, if the validity of the storage requesting institution that transmits the payment approval request text for the storage payment processing is not authenticated) (1010), the server 300 A communication path in which a payment approval request message including a result of a predetermined payment error is generated (1015), and a predetermined payment approval message including the payment approval information is generated to receive the payment approval request text for the storage payment processing. Through transmission to the terminal 365 through the output (1020).

On the other hand, if the validity of the unique information on the storage request authority is authenticated (for example, when the validity of the storage requesting institution that transmitted the payment approval request for the payment processing is authenticated) (1010), the server 300 is stored Extracting at least one or more pieces of information matched with payment processing target information stored in the storage medium 130 from a payment approval request text for payment processing, comparing and authenticating with the payment processing target information stored in the storage medium 130. By doing so, the validity of the payment processing target is confirmed (1025).

If the validity of the payment processing target information is not authenticated (eg, if the validity of the storage payment processing target is not authenticated) (1030), the server 300 receives the storage payment including a predetermined storage payment error result. Generates the approval details (1015), generates a predetermined payment approval full text including the payment approval approval details, and transmits to the terminal 365 through the communication path in which the payment approval request text for the storage payment processing is received and outputs the output. (1020).

On the other hand, when the validity of the payment processing target information is authenticated (eg, when the validity of the storage payment processing object is authenticated) (1030), the server 300 wirelessly transmits the customer wireless information from the full payment approval request for the payment processing. Extracting the terminal 370 number and payment amount information (in accordance with another embodiment, the payment amount information can be extracted from the storage medium 130) (1035), and from the storage medium 130 to the customer wireless terminal ( 370) The customer account information stored in association with the number is extracted (1040).

Subsequently, the server 300 associates the customer account information extracted from the storage medium 130 and the payment amount information extracted from the full payment approval request for storing payment processing with the server 300 (or the customer). The financial system 355, which has a financial account corresponding to the account information, is sent to the financial system 355 to check whether it is possible to process the payment amount through the deposit deposited in the financial account corresponding to the customer account (1050).

If the check result indicates that the payment amount cannot be settled through the deposit deposited in the financial account corresponding to the customer account (1055), the financial system 355 returns a result of no payment processing to the server 300. Return (1060), and correspondingly, the server 300 generates a predetermined payment approval history including the result of the customer account deposit shortage error (1065), the predetermined payment approval full text including the payment approval approval details Generate and transmit to the terminal 365 through the communication path received the payment approval request for the payment processing processing and outputs (1070).

On the other hand, if the check result can settle the payment amount through the deposit deposited in the financial account corresponding to the customer account (1055), the financial system 355 returns a settlement processing result to the server ( 1075).

Figure 11 shows the final approval process of payment settlement according to the embodiment of the present invention.

In more detail, in FIG. 11, after confirming that payment processing through a deposit deposited in a financial account corresponding to the customer account is possible, the customer system wirelessly confirms through the process illustrated in FIG. 10. Regarding the process of finally approving the storage payment through the terminal 370, a person having ordinary knowledge in the technical field to which the present invention pertains refers to and / or changes the drawing 11 to finally approve the storage payment process. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, FIG. 11 illustrates the final approval of the storage settlement process through the approval method, and a person of ordinary skill in the art may refer to and / or modify the present invention. An escrow method may be inferred as a method of finally approving the storage payment process, and the present invention may include an implementation method of finally approving the storage payment process through the escrow method.

Hereinafter, in FIG. 11, the storing processing server 300 shown in FIG. 3 is referred to as " server " for convenience.

Referring to FIG. 11, when it is confirmed through the process shown in FIG. 10 that payment processing through a deposit deposited in a financial account corresponding to the customer account is possible, the server 300 Requests the financial system 355 to lock the financial account corresponding to the customer account information through the customer account information and the payment amount information (1100), and the financial system 355 corresponds to the customer account. Locking of the customer financial account is performed through the information and the payment amount information (1105).

According to another exemplary embodiment of the present invention, when the financial system 355 provides an escrow function, a predetermined amount may be withdrawn from the customer financial account through the escrow function instead of the customer account lock. It is also possible to transfer to a temporary account (e.g., an escrow account), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 10 may be collectively performed at once, and the present invention is not limited thereto.

Thereafter, the server 300 generates a storage payment approval request message including a callback UEL corresponding to the server 300 (1110), and the generated payment approval request through the customer wireless terminal 370 number The message is transmitted to the customer wireless terminal 370 (1115).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 370 that receives the storage payment approval request message does not access the server 300 within the given time and does not finally approve the storage payment approval, the storing The payment process maintains an approved state (or escrow state), and the server 300 generates a storage payment approval history corresponding to the approved state (or escrow state), and includes the payment settlement approval history. It is possible to generate an approval text and transmit it along the communication path which received the payment approval text for the payment processing.

In addition, when the storage payment processing is in the approved state (or escrow state) as described above, after a predetermined time elapses, the customer connects to the server 300 through the customer wireless terminal 370 to receive the storage. It is possible to finally approve payment processing, and / or when the server 300 has a web server function, after a predetermined time has elapsed, the server 300 is connected to the server 300 through a predetermined client terminal 135. It is possible to confirm the storage payment processing and finally approve through the customer wireless terminal 370, whereby the present invention is not limited.

If the customer wireless terminal 370 receiving the storage payment approval request message accesses the server through the callback UE (1120), the server 300 performs predetermined payment authentication with the customer wireless terminal 370. Provides and outputs a payment authentication information input interface screen for inputting information to the server 300 (1125), and the customer wireless terminal 370 transmits predetermined payment authentication information through the payment authentication information input interface. Input and transmit to the server 300 (1130).

Thereafter, the server 300 compares and authenticates the payment authentication information received from the customer wireless terminal 370 and the stored payment authentication information stored in association with the number of the customer wireless terminal 370, thereby performing the storage payment processing. Check for final approval (1135).

If the storing and payment process is not finally approved after performing the authentication procedure (1140), the server 300 provides the payment authentication information input interface screen to the customer wireless terminal 370 and outputs the result. Receiving predetermined payment authentication information through an authentication information input interface, the process of comparing and authenticating with the storage payment authentication information is repeated.

On the other hand, when the storage payment process is finally approved (1140), the server 300 extracts account information corresponding to the storage requesting institution from the storage medium 130 (1145), and the financial system 355 to the Provide customer account information, payment amount information, and account information corresponding to the storage requesting institution (1150); and correspondingly, the financial system 355 releases the lock on the customer financial account through the customer account information; After withdrawing the amount corresponding to the payment amount from the customer's financial account and depositing it into the financial account corresponding to the storage requesting institution (1155), the account transfer result is returned to the server (1160).

Figure 12 shows a process of notifying the result of the settlement payment processing according to the embodiment of the present invention.

More specifically, FIG. 10 relates to a process of notifying the storage requesting institution and the customer of the storage payment processing result when the storage payment process is finally approved through the process shown in FIG. 11. Those skilled in the art will be able to infer various implementation methods of notifying and receiving the settlement payment result by referring to and / or modifying the drawing 12, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the storage processing server 300 shown in FIG. 3 is referred to as "server" for convenience, and the storage terminal 360 (or payment terminal 365) provided in the storage requesting institution is referred to as "terminal". It is called.

Referring to FIG. 12, when the storing payment process is finally approved through the process illustrated in FIG. 11, the server 300 generates a predetermined storing payment approval history including the storing payment processing result (1200). In addition, after generating a predetermined payment approval full text including the storage payment approval details (1205), the terminal provided in the storage requesting institution along the communication path received the payment approval full text for the payment approval processing In step 1210, the transmission is performed.

In operation 1215, the server 300 generates a predetermined wireless message including the received payment approval details and transmits the generated wireless message to the customer wireless terminal 370 through the customer wireless terminal 370 number.

If the customer wireless terminal 370 is connected to the server at the time when the storage payment approval history is generated, the server 300 outputs the storage payment approval history to the customer wireless terminal 370. .

13 is a view showing a storage payment system according to an embodiment of the present invention.

In more detail, in Figure 13, the storage processing server 300 performs a function of a web server, and the customer wireless terminal 370 number and customer account information for the storage payment processing according to the present invention on the storage medium 130. , When the storage requesting institution information and / or the payment processing target information are stored in association with each other, the storage payment which accesses the storage processing server 300 through a predetermined client terminal 135 and performs the storage payment processing according to the present invention. As a method for implementing the system, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 13 so that the processing server 300 performs a function of a web server and stores the data. Responding to the case where the customer wireless terminal 370 number, the customer account information, the storage requesting agency information, and / or the payment processing target information are stored in the medium 130 in association with the storage payment processing according to the present invention. Various implementation methods for the storage payment system can be inferred, but the present invention includes all the inferred implementation methods, whereby the present invention is not limited thereto.

For example, in FIG. 13, the storage processing server 300 for processing the storage payment according to the present invention is illustrated as one server. However, the storage processing server 300 may include a storage payment server corresponding to the client terminal 135. And, it can be separated into a wireless authentication server corresponding to the customer wireless terminal 370, whereby the present invention is not limited.

According to FIG. 13, the storage payment system is connected to a predetermined client terminal 135 through a network means, and the predetermined financial system for processing the financial settlement using the customer account information stored in the storage medium 130 ( 355 and the storage processing server 300 associated with the predetermined interface means.

The financial system 355 is a computer system provided in a predetermined financial institution, and has a function of providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. The storage server 300 is linked to the storage processing server 300 through a predetermined interface means (for example, a network means for connecting the financial system 355 and an external communication network) for the storage payment processing according to the present invention.

The financial system 355 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Accounting system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window); information system for processing headquarters operations, branch information support and customer information management; and the financial system 355 ) And at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, etc.) provided on at least one other financial system 355 (and / or payment system) IC chip-based wireless banking, tele banking, TV banking, etc.) to access the financial system 355, and / or Is characterized in that it comprises an external system that provides a variety of financial transaction interface through at least one common network (eg CD common network, financial common network), and the financial system 355 is configured in the financial system An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 355 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 355 and the purpose of the financial system 355. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 355, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system provided in the financial system 355 for the payment processing according to the present invention by the financial system 355 in association with the storage processing server 300 through the interface means. It is preferable that a predetermined financial settlement unit interworking with the storage processing server 300 is provided.

According to the implementation method of the present invention, the financial settlement unit in connection with the storage processing server 300, the amount corresponding to the storage amount (or payment amount) that the storage payment processing is requested to the financial account corresponding to the customer account information Check whether it is deposited (e.g., whether a sufficient amount for payment processing of the storage amount (or payment amount) is deposited) and return the result to the storage processing server 300, It is preferable to make.

According to an exemplary embodiment of the present invention, when an amount corresponding to a storage amount (or payment amount) for which the storing payment process is requested is deposited in a financial account corresponding to the customer account information (for example, the storage amount (or Payment amount), the financial settlement unit in connection with the storage processing server 300 to the storage amount (or payment amount) of the amount deposited in the financial account; It is preferable to set a lock so that a corresponding amount is not withdrawn by another financial transaction request until it is transferred to the financial account corresponding to the storage requesting institution. Canceling and withdrawing the amount corresponding to the stored amount (or settlement amount) from the financial account corresponding to the customer account information. To transfer to a financial account corresponding to the institutions is desirable.

According to another exemplary embodiment of the present invention, when the amount corresponding to the storage amount (or settlement amount) for which the storing payment process is requested is deposited in the financial account corresponding to the customer account information (for example, the storage amount ( Or a sufficient amount to settle a payment amount), and the financial settlement part of the amount (or payment amount) among the amounts deposited in the financial account in connection with the storage processing server 300. Transfer the amount of money to a temporary account (e.g., Escrow Account), and when the settlement payment is finally approved, withdraw the amount deposited in the temporary account to finance the storage requesting institution. It is preferable to transfer to the account.

Referring to FIG. 13, the storage processing server 300 connects a communication channel for transmitting / receiving at least one or more information for storage processing according to the present invention to a predetermined client terminal 135 through a predetermined network means. It is characterized by comprising a web interface unit 375.

The web interface unit 375 is an interface for accessing the web server through a predetermined network means by using a browser provided in at least one or more client terminals 135, and a predetermined web page to the client terminal 135. And at least one of an interface for receiving a predetermined data from the client terminal 135 through at least one form form included in the web page, and to provide a, Those skilled in the art will be able to easily infer the detailed functions and roles of the web interface unit 375 to allow the processing server 300 to perform the functions of a web server. Detailed description is omitted for convenience.

According to the present invention, the payment processing server 300 receives a customer wireless terminal 370 number for receiving payment processing according to the present invention from a predetermined client terminal 135 through the web interface unit 375. Characterized in that it comprises a information receiving unit 325.

The payment information receiver 325 may further receive the storage requesting agency information and / or payment processing target information from a predetermined client terminal 135 through the web interface unit 375.

According to the present invention, the storage processing server 300 and the customer wireless terminal 370 and the number from the storage medium 130 through the customer wireless terminal 370 received through the payment information receiving unit 325 It is characterized in that it comprises an information verification unit 330 for confirming the customer account information stored in a linked process.

According to the exemplary embodiment of the present invention, when the customer account information associated with the customer wireless terminal 370 number is extracted from the storage medium 130 by the information checking unit 330, the financial information corresponding to the customer account information is obtained. A checkout procedure using the account is performed.

According to the present invention, the storage processing server 300 is the customer account information extracted from the storage medium 130 through the information verification unit 330 and the payment amount information (or the client) extracted from the payment processing target information On the basis of the payment amount information received from the terminal 135) is characterized in that the financial system 355 is provided with a provision approval processing unit 310 for requesting the approval of the acceptance payment processing.

The approval processing unit 310 provides the customer account information and the payment amount information to the financial system 355 (for example, the financial settlement unit) through a predetermined interface means, thereby providing a financial account corresponding to the customer account information. Characterized in that the customer account confirmation process for confirming whether a sufficient amount for payment processing the payment amount information is deposited.

If as a result of performing the customer account verification process, a sufficient amount for depositing the payment amount information is deposited in the financial account corresponding to the customer account information, the approval processing unit 310 is the financial system 355 (eg, the financial settlement unit) performing a customer account lock process for setting a lock in a financial account corresponding to the customer account information such that the amount corresponding to the payment amount is not withdrawn by another financial transaction; It is characterized by.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may collectively process the customer account confirmation process and the customer account lock process in connection with the financial system 355 (eg, the financial settlement unit). The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when an escrow function is provided in the financial system 355 (for example, the financial settlement unit), the approval system 310 performs the financial system 355 ( For example, in the financial account corresponding to the customer account information in connection with the financial settlement unit, a customer account lock process for setting a lock to prevent the amount corresponding to the payment amount from being withdrawn by another financial transaction may be omitted. The present invention is not limited by this.

In particular, when the customer account lockout process is omitted, the customer account confirmation process may be performed by the payment approval processing unit 305 provided in the storage processing server 300, and the present invention is not limited thereto.

According to the present invention, when the storing processing process according to the present invention is finally approved (for example, when the final approval through the customer wireless terminal 370), the financial system 355 (for example And withdrawal of the amount corresponding to the settlement amount from the financial account corresponding to the customer account information in conjunction with the financial settlement unit (and / or when the escrow function is provided in the financial system 355). And a payment approval processing unit 305 for depositing a predetermined payment amount into a financial account corresponding to the storage requesting institution, and then generating a predetermined storage payment approval history corresponding to the storage payment processing. It is done.

In addition, if the final confirmation for a predetermined time after the customer account confirmation process (and / or customer account lock process) is performed, the payment approval processing unit 305 is the storage payment processing (for example, customer account confirmation and / Or storing payment approval details corresponding to the customer account lock).

In addition, in the process of confirming the customer account, if a sufficient amount for processing the payment amount is not deposited in the financial account corresponding to the customer account information, the payment approval processing unit 305 is Characterized in that the storage payment approval history corresponding to the storage payment processing (for example, customer account deposit assistance) is generated.

According to the present invention, after the receipt processing server 300 performs the customer account confirmation process, the wireless message (for example, a short message, requesting the final approval for the receipt payment processing to the customer wireless terminal 370) is performed. Or a multimedia message) and use the generated wireless message to the customer wireless terminal 370 number provided from the client terminal 135 (or the customer wireless terminal 370 extracted from the storage medium 130). And an information transmitter 340 for transmitting to the customer wireless terminal 370.

The wireless message generated by the information transmitter 340 includes a callback URL for allowing the customer wireless terminal 370 to access the storage processing server 300 for final approval of the storage payment processing. Characterized in that made.

According to the present invention, the storing processing server 300 allows the customer wireless terminal 370 to connect to the storing processing server 300 through the callback UEL, and the customer wireless terminal 370 and the storing payment processing. Characterized in that it comprises a wireless processing unit 335 for connecting the communication channel for the final approval for.

When the customer wireless terminal 370 connects to the storage processing server 300 through the callback UEL, the wireless processing unit 335 makes a predetermined payment corresponding to the storage payment authentication information to the customer wireless terminal 370. Characterized by requesting authentication information.

Those skilled in the art to which the present invention pertains may generate a predetermined wireless message and transmit it to the information transmitter 340 which transmits a predetermined wireless message to the customer wireless terminal 370 in a web-to-phone manner. Familiarity with the preferred functional configuration for the wireless processing unit 335 that provides a wireless Internet function for the customer wireless terminal 370 to access the storage processing server 300 through the callback UEL. Since it will be, a detailed description thereof will be omitted for convenience.

According to the present invention, the storage processing server 300 is characterized by comprising an information receiving unit 115 for receiving predetermined payment authentication information transmitted from the customer wireless terminal 370.

According to the present invention, when the storage processing server 300 is received through the information receiving unit 115, the storage payment authentication information stored in association with the customer wireless terminal 370 number is stored from the storage medium 130. And an authentication processing unit 350 for checking whether the customer finally approved the storing and payment process by extracting and comparing and authenticating the payment authentication information received through the information receiving unit 115 through the storing and payment authentication information. Characterized in that made.

When it is confirmed by the authentication processing unit 350 that the customer finally approved the storage payment processing, the payment approval processing unit 305 processes the storage payment approval process in connection with the financial system 355, Generate a predetermined payment approval details.

According to the present invention, the storage processing server 300 generates a storage payment approval page including the storage payment approval history generated by the payment approval processing unit 305, and the storage payment approval page is the web interface unit. It characterized in that it comprises a payment result transmitting unit 320 for transmitting to the client terminal 135 through 105.

According to the exemplary embodiment of the present invention, when the storing payment is approved by the payment approval processing unit 305 and a predetermined storing payment approval is generated, the information transmitting unit 340 displays the storing payment approval details. Generate and transmit a predetermined wireless message to the customer wireless terminal 370, and / or the wireless processing unit 335 provides the storage payment approval details to the customer wireless terminal 370 to output. Do.

14 is a diagram illustrating an information providing process for a web-based payment settlement process according to an embodiment of the present invention.

More specifically, FIG. 14 shows the present invention in which the client terminal 135 on the payment processing system shown in FIG. 13 connects to the storage processing server 300 which performs a predetermined web server function through predetermined network means. As an implementation method for an information providing process for processing a storage payment according to the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14 and receive the storage payment shown in FIG. Various implementation methods for the information providing process for the web-based payment settlement process corresponding to the processing system may be inferred, but the present invention includes all the inferred implementation methods and is limited to the implementation method shown in FIG. Not.

In addition, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or apply the drawing 14 to access the storage processing server 300 through the client terminal 135 to process a predetermined storage payment process. While performing the process, it may be possible to infer a process of finally approving at least one or more settlement payments in the approved state (or escrow state), but the present invention includes the inferred implementation method.

Hereinafter, in FIG. 14, the client terminal 135 shown in FIG. 13 is referred to as a "terminal" for convenience, and the storage processing server 300 is referred to as a "server" for convenience.

Referring to FIG. 14, when the terminal accesses the server 300 through a predetermined network means and requests membership payment and processing according to the present invention after joining and / or logging in (1400), the server 300 By providing a predetermined customer wireless terminal 370 number input interface screen for inputting and transmitting a customer wireless terminal 370 number to the terminal, the customer wireless terminal 370 number is received from the terminal (1405).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 370 number is stored in predetermined member information D / B (not shown) provided in the server 300, a predetermined customer wireless terminal is stored in the terminal. The process of receiving the customer wireless terminal 370 number by providing a number input interface screen may be replaced with a process of extracting the customer wireless terminal 370 number from the member information D / B. The present invention is not limited by this.

According to another exemplary embodiment of the present invention, an account in which the terminal logs in to the server 300 may include the customer wireless terminal 370 number, whereby the present invention is not limited thereto.

Thereafter, the server 300 extracts at least one storage request organ information stored in association with the customer wireless terminal 370 number from the storage medium 130 (1410), and the extracted at least one storage request. A storage requesting agency selection interface screen including institution information is generated and provided to the terminal through the network means and outputted (1415). In response, the terminal processes a predetermined storage settlement process through the storage requesting agency selection interface screen. In operation 1420, the target storage requesting institution is selected.

If the storage payment processing target storage request organ is selected (1425), the terminal transmits the selected storage payment processing storage request organ information to the server (1430).

Thereafter, the server extracts at least one payment processing target information corresponding to the storage payment processing target storage requesting institution from the storage medium 130 (1435), and selects a predetermined payment processing target including the payment processing target. An interface screen is generated and provided to the terminal (1440), whereby the terminal selects a predetermined payment processing object through the payment processing object selection interface screen (1445).

If the payment processing object is selected (1450), the terminal transmits the selected payment processing object to the server (1455), after which the server 300 is the customer wireless terminal 370 number and the storage request The payment processing process according to the present invention is performed based on the payment processing object corresponding to the institution.

15 shows a storage payment processing process according to the embodiment of the present invention.

More specifically, Figure 15 shows the customer wireless terminal 370 number and storage requesting agency information for the storage payment processing according to the present invention to the storage processing server 300 shown in Figure 13 through the process shown in Figure 14 And when the payment processing target information is received, based on the customer wireless terminal 370 number using the customer wireless terminal 370 number, the storage requesting agency information, and the payment processing target information in the storage processing server 300. The process of extracting the customer account information from the storage medium 130 to determine whether the storage payment processing is possible through the customer account deposit, if the person having ordinary knowledge in the art to which the present invention belongs, this figure 15 may be inferred by referring to and / or modified in various ways, but the present invention includes all of the inferred implementation method, this figure 15 It is not limited to the illustrated exemplary method.

In the following figure 15, the storage processing server 300 shown in FIG. 13 is referred to as " server " for convenience.

Referring to FIG. 15, when the customer wireless terminal 370 number, the storage requesting agency information, and the payment processing target information for the payment processing according to the present invention are received through the process shown in FIG. 14, the server 300 The customer extracts predetermined payment amount information from the storage medium 130 through the received payment processing target information (1535), and stores the customer by being processed in association with the customer wireless terminal 370 number from the storage medium 130. The account information is extracted (1540).

Thereafter, the server 300 connects the customer account information and the payment amount information extracted from the storage medium 130 to the server (or a financial account corresponding to the customer account information is opened) ( In step 550, it is determined whether the payment amount can be settled through the deposit deposited in the financial account corresponding to the customer account.

If the check result indicates that the payment amount cannot be settled through the deposit deposited in the financial account corresponding to the customer account (1555), the financial system 355 returns a result of no payment processing to the server 300. Return (1560), and correspondingly, the server 300 generates a predetermined storage payment approval history including the result of the customer account deposit shortage error (1565), and the predetermined storage payment approval including the storage payment approval history. A page is generated and transmitted to the terminal through the network means and output (1570).

On the other hand, if the check result is able to process the payment amount through the deposit deposited in the financial account corresponding to the customer account (1555), the financial system 355 is a payment processing result to the server 300 Return (1575).

Figure 16 shows the final approval process of the storage payment according to the embodiment of the present invention.

In more detail, FIG. 16 shows that through the process shown in FIG. 15, it is possible to perform payment processing through a deposit deposited in a financial account corresponding to the customer account from the financial system 355. Regarding the process of finally approving the storage payment through the terminal 370, a person having ordinary knowledge in the art to which the present invention pertains refers to and / or modify the drawing 16 to finally approve the storage payment process. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, FIG. 16 illustrates a final approval of the storage settlement process through an approval method, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. An escrow method may be inferred as a method of finally approving the storage payment process, and the present invention may include an implementation method of finally approving the storage payment process through the escrow method.

Hereinafter, in FIG. 16, the storage processing server 300 shown in FIG. 13 is referred to as " server " for convenience.

Referring to FIG. 16, when it is confirmed through the process shown in FIG. 15 that payment processing through a deposit deposited in the financial account corresponding to the customer account is possible from the financial system 355, the server 300 Requests the financial system 355 to lock the financial account corresponding to the customer account information through the customer account information and the payment amount information (1600), and the financial system 355 corresponds to the customer account. The lock processing of the customer financial account is performed through the information and the payment amount information (1605).

According to another exemplary embodiment of the present invention, when the financial system 355 provides an escrow function, a predetermined amount may be withdrawn from the customer financial account through the escrow function instead of the customer account lock. It is also possible to transfer to a temporary account (e.g., an escrow account), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 15 may be performed in one batch, and the present invention is not limited thereto.

Thereafter, the server 300 generates a storage payment approval request message including a callback UEL corresponding to the server 300 (1610), and the generated storage payment approval request through the customer wireless terminal 370 number. The message is transmitted to the customer wireless terminal 370 (1615).

According to another exemplary embodiment of the present invention, when the customer wireless terminal 370 that receives the storage payment approval request message does not access the server 300 within the given time and does not finally approve the storage payment approval, the storing The payment process maintains an approved state (or escrow state), and the server 300 generates a storage payment approval history corresponding to the approved state (or escrow state), and includes the storage payment approval history. A payment approval page may be generated and transmitted to the terminal through the network means.

In addition, in the case where the storing payment process is maintained in the approved state (or escrow state) as described above, after a predetermined time has elapsed, the customer connects to the server through the customer wireless terminal 370 to perform the storing payment process. When the final approval is possible, and / or when the server 300 has a web server function, after a predetermined time has elapsed, the server 300 is connected to the server 300 through a predetermined client terminal 135 to receive the payment. It is possible to confirm the process and finally approve it via the customer wireless terminal 370, whereby the present invention is not limited.

If the customer wireless terminal 370 receiving the storage payment approval request message connects to the server 300 through the callback UE (1620), the server 300 is determined as the customer wireless terminal 370. Provides the payment authentication information input interface screen that can be transmitted to the server 300 by inputting the payment authentication information (1625), and the customer wireless terminal 370 is a predetermined payment through the payment authentication information input interface The authentication information is input and transmitted to the server 300 (1630).

Thereafter, the server 300 compares and authenticates the payment authentication information received from the customer wireless terminal 370 and the stored payment authentication information stored in association with the number of the customer wireless terminal 370, thereby performing the storage payment processing. Confirm that it is finally approved (1635).

If the storing payment process is not finally approved after performing the authentication procedure (1640), the server 300 provides the payment authentication information input interface screen to the customer wireless terminal 370 and outputs the result. Receiving predetermined payment authentication information through an authentication information input interface, the process of comparing and authenticating with the storage payment authentication information is repeated.

On the other hand, when the storage payment process is finally approved (1640), the server 300 extracts the account information corresponding to the storage requesting institution from the storage medium 130 (1645), and the financial system 355 to the And providing customer account information, payment amount information, and account information corresponding to the storage requesting institution (1650). In response, the financial system 355 releases the lock on the customer financial account through the customer account information. After withdrawing the amount corresponding to the payment amount from the customer's financial account and depositing it into the financial account corresponding to the storage requesting institution (1655), the account transfer result is returned to the server 300 (1660).

Figure 17 shows a process of notifying the result of the settlement payment processing according to the embodiment of the present invention.

More specifically, FIG. 15 relates to a process of notifying the storage requesting institution and the customer of the storage payment processing result when the storage payment process is finally approved through the process shown in FIG. 16. Those skilled in the art will be able to infer various implementation methods for notifying the result of the payment settlement process by referring to and / or modifying the drawing 17, but the present invention is directed to all the inferred practice methods. It is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 16, the storage processing server 300 shown in Fig. 13 is referred to as " server " for convenience, and the storage terminal 360 (or payment terminal 365) provided in the storage requesting institution is " terminal " It is called.

Referring to FIG. 17, when the storing payment process is finally approved through the process illustrated in FIG. 16, the server 300 generates a predetermined storing payment approval history including the storing payment processing result (1700). In addition, after generating a predetermined storage payment approval page including the storage payment approval details (1705), the storage payment approval page is transmitted to the terminal through the network means and output (1710).

In addition, the server 300 generates a predetermined wireless message including the details of the payment approval and transmits the generated wireless message to the customer wireless terminal 370 through the customer wireless terminal 370 number (1715).

If the customer wireless terminal 370 is connected to the server 300 at the time when the storage payment approval history is generated, the server 300 provides the storage payment approval history to the customer wireless terminal 370. To print.

According to the present invention, the customer can more easily and conveniently process payments such as school expenses by using a communication means unique number, such as a customer mobile number associated with the customer account, and the bank and the unique means of communication means such as the customer mobile number In the payment approval process using the linked customer account, the approval process is performed after the approval process is processed separately, thereby ensuring the safety of payment processing.

In addition, as the customer stores and registers a payment processing object using a communication means unique number such as a customer's mobile phone number associated with the customer account, such as a school expenses, the source blocks the possibility of abuse caused by the leakage of the unique number of the customer communication means. Therefore, it has the effect of eliminating the inconvenience that the customer had to directly enter the payment processing target information.

For example, if a customer registers information about the A school's child school expenses and newspaper bills with an account linked to a mobile phone number, the customer registers only the mobile phone number. By using the account associated with the school, only the school fee or newspaper fee of the pre-registered school A will be paid. Therefore, the customer only needs to provide a mobile phone number, thereby preventing payment for other purposes using the account associated with the customer's mobile phone number. .

Claims (10)

An information storing step of linking and processing the customer communication terminal unique number information and the customer account information in a predetermined information storing means in a predetermined storage medium; An information receiving step of receiving, in a predetermined information receiving means, a full payment approval request message including the unique number information of the customer communication terminal; An information confirming step of confirming customer account information associated with a unique number of a customer communication terminal included in the full text in association with the storage medium (or a storage medium operating means) in a predetermined information checking means; A payment approval processing step of processing a payment approval corresponding to the payment approval request by using the confirmed customer account information in a predetermined payment approval processing means; And And an information transmitting step of transmitting, by a predetermined information transmitting means, the payment approval processing details to the payment approval request full text transmission means and / or the customer communication means. The method of claim 1, wherein the storing of the information comprises: Payment processing target information-payment processing target merchant information and payment processing amount information, payment processing use information, payment processing target customer information, etc. The payment approval processing method, characterized in that the payment processing target information that includes at least one or more-by further processing to store. The method of claim 1, wherein the checking of information comprises: Payment processing target information-payment processing target merchant information and payment processing amount information, payment processing use information, payment processing using the customer communication terminal unique number information that is processed in association with the customer account information on the storage medium If the payment processing target information including at least one target customer information or the like is further stored, checking whether the payment processing target included in the preamble is included in the payment processing target previously stored in the storage medium; Payment approval processing method, characterized in that made. The method of claim 1, wherein the payment approval processing step, Checking the balance of the customer account in the payment approval processing unit and confirming whether money can be withdrawn corresponding to the payment approval request; If the withdrawal result is possible, processing the provisional approval corresponding to the payment approval request in the payment approval processing means; The account withdrawal corresponding to the payment approval is transmitted from the server on the communication network connected to the payment approval processing means to the customer communication means, and when the account withdrawal approval information is received from the customer communication means, the payment approval processing means is received. Notifying; And converting the temporary approval process into an approval process on the basis of the account withdrawal approval information by the payment approval processing means. The method of claim 1, wherein the payment approval processing step, Checking the balance of the customer account in the payment approval processing unit and confirming whether money can be withdrawn corresponding to the payment approval request; If the withdrawal result is possible, processing the provisional approval corresponding to the payment approval request in the payment approval processing means; Registering the approval processing details on a predetermined website in a server on a communication network connected to the payment approval processing means; When the customer accesses the website, the predetermined website operation means presents the registered approval details to the customer, and if the customer approves the withdrawal of the account corresponding to the approval details, the payment is approved. Notifying to the processing means; And converting the temporary approval process into an approval process based on the approval information of the customer in the payment approval processing means. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 5. Information storage means for linking the customer communication terminal unique number information and the customer account information to store in a predetermined storage medium; Information receiving means for receiving the full payment approval request message including the unique number information of the customer communication terminal; Information checking means for confirming customer account information associated with the customer communication terminal identification number included in the full text, in association with the storage medium (or storage medium operating means); Payment approval processing means for processing payment approval corresponding to the payment approval request by using the confirmed customer account information; And And payment information for transmitting the payment approval processing details to the payment approval request message transmission means and / or the customer communication means. The method of claim 7, wherein each of the means, Included in a single server, or Payment approval processing system, characterized in that included in the plurality of servers. Receiving unit for receiving the customer communication terminal unique number information and payment approval request information; Confirmation unit for confirming the customer account information associated with the received customer communication terminal unique number information in connection with a predetermined storage medium (or storage medium operating means) by linking and processing the customer communication terminal unique number information and customer account information ; And When a payment approval request is made to a server that manages a customer account corresponding to the confirmed customer account information and the server approves a result of approval, the payment processing customer approval information is received in connection with the customer communication means, and the customer And a payment approval relay processing unit which transmits the payment processing customer approval information transmitted from the communication means to the server and requests the conversion of the approval processing to the approval processing. The method of claim 9, And a transmission unit for transmitting the payment approval processing details to the payment approval request terminal and / or the customer communication means when the server converts the approval approval process to an approval process. Processing unit.

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