KR20080044806A - Terminal devices for processing payment - Google Patents

Abstract

A terminal device for processing payment is provided to activate micro payment using a credit card and process the micro payment quickly/conveniently more than cash in a member shop frequently transacting micro payment by quickly/conveniently processing the micro payment using the credit card in a member shop as a proxy for a credit card company. A receiver(855) receives card information of more than two credit cards continuously. A calculator(860) calculates a payment amount of each credit card when a customer wants to divide the payment amount into two credit cards. A checker(865) checks whether or not each divided payment amount satisfies a reference payment approval amount. An information processor(880) processes payment approval by dividing the payment amount into two credit cards when each divided payment amount satisfies the reference payment approval amount, and outputs details exceeding the reference payment approval amount when each divided payment amount does not satisfy the reference payment approval amount.

Description

Terminal Devices for Processing Payment

1 is a diagram illustrating a function of a payment processing terminal device for proxy approval processing according to an embodiment of the present invention.

2 is a diagram illustrating a process of performing a micropayment processing through a payment processing terminal device according to an embodiment of the present invention.

3 is a diagram illustrating a payment approval processing system configuration for the proxy approval processing according to another embodiment of the present invention.

4 is a diagram illustrating a process of performing a micropayment process through a payment approval processing system according to an embodiment of the present invention.

5 is a diagram illustrating a process of performing a micropayment process through a payment approval processing system according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of performing a micropayment process through a payment approval processing system according to another embodiment of the present invention.

7 is a view showing a process of performing a micropayment process through a payment approval processing system according to another embodiment of the present invention.

<Description of main parts of drawing>

100: payment processing terminal 105: control unit

110: card reader 115: screen output

* 120: key input 125: power supply

130: communication unit 135: terminal function unit

140: memory unit 145: print output unit

150: printing apparatus 155: information confirmation unit

160: information processing unit 165: payment approval processing unit

170: transmitting unit 175: information receiving unit

180: professional processing unit

The present invention provides a receiving unit for continuously receiving two or more card information, a calculating unit for calculating the individual payment processing amount for each card at the time of payment processing by dividing the total payment amount into the two or more cards, and the calculated A confirmation unit for confirming whether the individual payment processing amount satisfies the predetermined substitute payment approval standard amount, and if the individual payment processing amount satisfies the predetermined substitute payment approval standard amount, the total payment amount is recalled. If the payment is processed by dividing the card into two or more, and the result of the check, the individual payment processing amount does not satisfy the predetermined agency payment approval standard amount, the payment authorization section for outputting the payment amount limit details It relates to a payment processing terminal device.

With the expansion of electronic payment infrastructure, credit cards are rapidly spreading into small transactions in recent years, but the current MS cards or contact IC cards have certain limitations due to the inconvenience of the transaction process and the problem of transaction processing costs. Small transactions of less than 10,000 won in daily life are still mostly in cash.

As mentioned above, it can be said that micro transactions are steadily increasing in credit card transactions. This is an unwelcome phenomenon from the credit card companies. It is a necessary situation.

On the other hand, while credit card micro transactions are on the rise, it is still not common to settle credit card transactions for less than 10,000 won. For example, it is true that cash payments are generalized due to issues such as late processing time, high processing cost, hassle and inconvenience of credit cards in small transactions of less than 10,000 won. Also, "It takes time to take out cash from the wallet and receive change, especially when a 10-dollar coin is generated, it can be annoying to carry it in your pocket." You need to enter a more uncomfortable situation than a credit card transaction. ”

Therefore, the “small frequency frequent merchants” require a more convenient payment method than cash. As an optimal alternative, an RF card can be presented. If it can be traded using a “Touch & Go” method such as a transportation card, It will be a much more convenient payment method.

An object of the present invention for solving the above problems, the receiving unit for receiving two or more card information in succession, the total payment amount is divided into the two or more cards at the time of payment processing, the individual payment processing amount for each card A calculation unit for calculating, a confirmation unit for confirming whether the calculated individual payment processing amount satisfies the predetermined agency payment approval standard amount, and the result of the checking, the individual payment processing amount satisfies the predetermined agency payment approval standard amount In this case, the total payment amount is divided into two or more cards to process payment approval, and when the verification result indicates that the individual payment processing amount does not satisfy a predetermined substitute payment approval standard amount, the payment amount limit is exceeded. It is to provide a payment processing terminal device having a payment approval unit for outputting the details.

The payment processing terminal device according to the present invention comprises: a receiving unit for receiving two or more card information consecutively, and dividing a total payment amount into two or more cards to calculate an individual payment processing amount for each card. A calculation unit, a confirmation unit for confirming whether the calculated individual payment processing amount satisfies the predetermined agency payment approval standard amount, and when the result of the checking indicates that the individual payment processing amount satisfies the predetermined agency payment approval standard amount. If the total payment amount is divided into two or more cards to process payment approval, and the result of the check indicates that the individual payment processing amount does not satisfy a predetermined proxy payment approval amount, the payment amount exceeding the payment limit The payment approval part which outputs is provided.

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 showing the functional configuration of the payment processing terminal 100 for the proxy approval process according to an embodiment of the present invention.

In more detail, in FIG. 1, when the payment processing request using the customer's card, in particular, when the payment processing request amount is relatively small, the authorization processing procedure and user authentication procedure, etc., which were required for the existing card approval, are simplified or omitted. By doing so, it is about the functional configuration of the payment processing terminal 100 for the credit card payment processing faster and simpler than the cash payment, if one of ordinary skill in the art to which the present invention belongs, At least one affiliated store is provided with reference to and / or modified to read payment means information (for example, a card number, etc.) from a customer card, receive payment amount information through a predetermined key input means, and read the card. Information on the agent approval processing condition (eg, information on the agent approval target number previously stored in the payment processing terminal 100; The payment processing terminal for performing the approval processing for the payment processing request on behalf of the payment approval authority (or VAN company, etc.) when the agency approval processing conditions are satisfied, in comparison with the agency approval payment amount information); Various functional configurations of the device 100 may be inferred, but it is to be understood that the technical features of the present invention are not limited by this drawing 1 but include all the inferred implementation methods.

Referring to FIG. 1, when the payment processing request amount is relatively small, the card micropayment can be performed more quickly and easily than cash payment by simply or omitting the approval processing and user authentication procedures required for the existing card approval. The payment processing terminal device 100 for proxy approval processing basically includes a control unit 105, a memory unit 140, a card reader unit 110, a key input unit 120, a screen output unit 115, and a communication unit 130. ) And a print output unit 145 and a power supply unit 125 for supplying power to the payment processing terminal 100, and at least one terminal function unit 135 (detailed illustration) according to the intention of a person skilled in the art. Omission).

The control unit 105 controls the overall operation of the payment processing terminal 100 shown in the functional configuration, manages the flow of information or data between each component, card information read from the customer card and predetermined key input Predetermined agency approval processing condition information (eg, agency approval target card number information and agency approval target payment amount information) that is pre-stored in the memory unit 140 of the payment processing terminal device 100 through the payment amount information input through the means; Compared with, at least, provided in the payment processing terminal 100 in order to perform the approval processing for the payment request directly in the payment processing terminal 100 if the agency approval processing condition information is met. It is characterized by interworking and controlling one or more components, and hardware-based Central Processing Unit (CPU), Read Only Memory (ROM), Random Access Memo (RAM) ry), a system bus, and the like, and are loaded by a processor from a predetermined recording medium into the execution memory in order to perform a function specific to the payment processing terminal 100 by software. A predetermined program routine (Routine) and / or program data to be processed (for example, comparing card information read from the customer card with proxy approval target card number information stored in the memory unit 140 and the payment amount information). And the payment processing target information stored in the memory unit 140, the payment processing terminal device 100 is provided to perform the approval processing for the payment request in the payment processing terminal device 100 by comparing Software can be processed from a predetermined program recorded on a recording medium and / or a functional configuration provided in the payment processing terminal 100. And also shown as being provided with a component within the controller 105) is characterized in that formed.

According to the exemplary embodiment of the present invention, the control unit 105 may include components (eg, the memory unit 140, the card reader unit 110, the key input unit 120) provided in the payment processing terminal device 100. The screen output unit 115, the communication unit 130, the print output unit 145, etc.) and / or the terminal function unit 135 (not shown in detail) according to the intention of the person skilled in the art). Controlling and managing the provision of the electronic payment service defined in (100), as well as comparing the card information read from the customer card according to the present invention with the proxy approval target card number information stored in the memory unit 140 and the payment After comparing the amount of money information and the information on the amount of the target payment authorization stored in the memory unit 140, the payment processing to perform the approval processing for the payment request in the payment processing terminal 100 according to the comparison result To the terminal device 100 The payment processing terminal device for a predetermined financial transaction using the payment means (for example, credit card or debit card, debit card, etc.) information that is controlled by interworking the components provided, and / or read from the customer card It is preferable to execute the program recorded on the recording medium provided at 100.

The memory unit 140 may perform an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment processing terminal device 100. General term for non-volatile memory for storing information or data input / output (I / O), and includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. And at least one storage means, wherein the control section 105 requires a predetermined program routine and program data (eg, a program routine to be input or performed to perform a predetermined function). Output data) is stored.

According to an embodiment of the present invention, the memory unit 140 may determine whether the card information read from the customer card and the payment amount information input through a predetermined key input means are subject to the micropayment approval process according to the present invention. Storing at least one micropayment approval processing policy information, payment limit (or usage) information for the confirmed card information, and B / L information for determining availability of the confirmed card information. It features.

According to the method of the present invention, the micropayment approval processing policy information includes payment approval agency information that concludes a predetermined business agreement to perform micropayment approval processing through the payment processing terminal 100, and micropayment approval. Characterized in that it comprises at least one or more of the processing target limit amount information and the merchant information (or merchant terminal information) provided with the payment processing terminal 100.

Here, the payment approval authority information, the payment processing on behalf of the payment approval authority for the approval processing for the payment amount within a predetermined limit when the payment processing request using the payment means issued by the payment approval authority in accordance with the present invention It is characterized in that the payment approval authority information (for example, payment approval authority name, payment approval authority code, etc.) that concluded a predetermined business agreement to be performed by the terminal device (100).

For example, the payment processing terminal 100 checks the payment approval authority information corresponding to the card information read from the customer card, and refers to the payment approval authority information included in the micropayment approval processing policy information, and confirms the information. The payment approval institution information corresponding to the payment means information (for example, card number, etc.) is confirmed, and accordingly, the payment processing terminal device 100 determines the payment authorization request target limit amount Agent approval can be processed according to information.

The amount of payment information subject to the micropayment approval processing, the payment processing terminal on behalf of the payment approval authority for the approval processing for the payment amount when the payment processing request using the payment means issued by the payment approval authority according to the present invention Characterized in that the limit information on the payment amount that can be performed in the device (100).

For example, if the limit payment subject to the micropayment approval process is set to less than 10,000 won, if the payment amount input through a predetermined key input means provided in the payment processing terminal device 100 is 9,000 won, the payment processing terminal The apparatus 100 refers to the micropayment approval processing target limit amount information included in the micropayment approval processing policy information, and performs the approval processing for the payment amount on behalf of the payment approval authority. Can be done in

The affiliated store information (or affiliated store terminal information) is a predetermined task to perform the approval processing for the payment amount within a predetermined limit in the payment processing terminal apparatus 100 on behalf of a predetermined payment approval institution in accordance with the present invention. It is characterized in that the merchant information (for example, merchant name, or payment processing terminal device 100 information (or code), etc. provided with the merchant) provided with the payment processing terminal device 100 that concludes the agreement.

According to the method of the present invention, the payment limit (or usage) information for the card information read from the customer card is based on the micropayment approval processing policy information, and the payment processing terminal device 100 receives the customer. Even if the card information and the payment amount information meet the small payment authorization processing policy, if the usage limit (or payment limit) of the customer card is exceeded, the authorization processing is not normally performed, and therefore the usage limit of the payment means is exceeded. Information for confirming, characterized in that it is periodically provided from the payment approval institution server (for example, card company server or VAN server) corresponding to the payment means.

According to an embodiment of the present invention, B / L information for determining whether the card information read from the customer card is available is periodically provided from a payment approval institution server (or VAN server) corresponding to the card information. It is preferably stored in the memory unit 140.

In addition, the customer card, the contact IC card (or wireless IC chip) based on the ISO / IEC 7816 standard for the predetermined financial transaction processing with the payment processing terminal 100, and the ISO / IEC 14443 standard It characterized in that it comprises at least one or more contactless IC card based, for this purpose, the card reader unit 110 of the payment processing terminal 100 reads at least one or more information or data provided in the customer card It provides a interface for.

According to the exemplary embodiment of the present invention, the card reader unit 110 may provide predetermined card information (for example, a credit card or check provided in the card) from the customer card for the electronic payment service defined in the payment processing terminal 100. It is preferable to read the payment means information corresponding to the payment means including at least one card or debit card or cash card or financial account.

In addition, the card reader 110 includes a contact IC reader (or RF reader or RF dongle) that provides an interface between the contact IC card (or RF card) and the payment terminal.

The contact IC reader unit is a card reader unit 110 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) Characterized in that the interface to the payment processing terminal 100.

In addition, the payment processing terminal 100 is a contactless IC card using capacitive coupling and / or inductive coupling, based on ISO / IEC 14443, for a transaction with a contactless IC card. And at least one antenna making electrical contact with the contactless device, and supplying power to the IC chip of the IC card through the antenna, and using the half duplex transaction using an APDU. It may further comprise a non-contact IC reader unit for interfacing the predetermined information or data from the payment processing terminal 100.

In addition, according to the embodiment of the present invention, the payment processing terminal 100 may be configured to further include an MS reader unit for performing a transaction with the MS type card of the customer, the MS reader unit ISO / IEC A card reader unit 110 based on 7810, comprising at least one magnetic head including a predetermined coil, wherein predetermined information (e.g., magnetized binary data) is recorded. When the MS card is moved in close contact with the magnetic head in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), the magnetic head is loaded with a predetermined electrical signal. It is characterized in that the interface of the predetermined information or data from the at least one track (MS) provided in the MS of the MS card to the payment processing terminal 100.

The key input unit 120 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of the controller and is provided to the key input device in a specific input mode and / or an operation mode of the payment processing terminal device 100 controlled by the controller 105. When predetermined information (or signal) is input from a predetermined key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. do.

Here, the control unit 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment processing terminal device 100, and / or is matched with the key event and defined. It is characterized in that to obtain a command for executing a predetermined function, the key input unit 120 and the key input device having at least one or more key buttons are provided in the payment processing terminal device 100 in conjunction with each other Functions as a key input means.

For example, a key input device interworking with the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or A keyboard device having a Hangul text key) and 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 and a text key and a function key It is preferable to include at least one or more provided touch screen device.

The key input unit 120 inputs key data (eg, a payment amount) corresponding to the electronic payment service from at least one or more key input devices for a predetermined electronic payment service defined in the payment processing terminal 100. It is preferable to perform the function of the receiving key input means.

The screen output unit 115 is a liquid crystal display (LCD) and / or CRT by the control unit 105 in the process of the payment processing terminal 100 performs a predetermined function (for example, electronic payment processing function) (Cathode Ray Tube) outputs at least one or more information or data that is predefined or defined in real time to be output to a predetermined output device including a screen through a predefined interface screen, the screen output unit ( 115 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment processing terminal device 100.

Information or data predefined to be output from the payment processing terminal device 100 to the screen output device may be provided in the key data input through the key input unit 120 and / or in the payment processing terminal device 100. Information (or data) stored or generated by the component, information (or data) transmitted and received through the communication unit 130, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 115 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment processing terminal 100. It is preferable to perform the function of the screen output means.

The communication unit 130 is a server that is connected through a payment network (eg, VAN (Value Added Network)) in the process of the payment processing terminal 100 performs a predetermined function (for example, electronic payment processing function, etc.) (Eg, a payment server) and / or a terminal (or device) connected to the payment processing terminal device 100 via a predetermined cable and / or through a predetermined short range wireless communication with the payment processing terminal device 100. And a predetermined communication means for connecting a communication session with a terminal (or device) to be connected, and a network communication unit 130 for connecting a predetermined communication channel with a server (eg, a payment server) on a wired or wireless network. And / or a cable communication unit 130 for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or at least one short range wireless communication means. And a short range wireless communication unit 130 for connecting a predetermined short distance communication terminal (or apparatus) device to a predetermined communication session, and a software protocol for connecting the communication channel (or communication session) by software; And / or include a driver.

The network communication unit 130 may be a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server (for example, a payment server) on a wired / wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network. A modem or a network interface card (NIC) for accessing the wired / wireless network of the communication system, and a communication protocol and / or for allowing the payment processing terminal device 100 to access the wired / wireless network in software. This includes the driver.

The cable communication unit 130 connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c, Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit 130 includes at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), and universal serial bus (USB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means including the above, and the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB in hardware It comprises a predetermined short-range wireless communication module for short-range wireless communication including a, and comprises a communication protocol and / or driver for the short-range wireless communication in software.

The print output unit 145 may be configured to perform predetermined functions (eg, the electronic payment processing function) of the payment processing terminal 100 and / or predetermined information or data (eg, generated as a result). Card payment approval result, etc.) to a predetermined printing device 150 (for example, a receipt printer, etc.), and prints the printing information or data in accordance with a predefined printing form. It is preferable to include a printing protocol and a driver for printing through.

According to the exemplary embodiment of the present invention, the payment processing terminal 100 may further include a terminal function unit 135 (for example, a security application module) for performing a specific function. Application Module (SAM) is the confidentiality and / or authentication and / or integrity (Integrity) required in the process of the payment processing terminal 100 performs the electronic payment and / or electronic payment using the card And / or security requirements, including nonrepudiation, etc., in a secure and reliable structure within the payment processing terminal 100 without using an authentication server (or payment server, etc.) on the payment network. As a safety device for a predetermined device, the payment processing terminal 100 is processed in a process of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). Message is encrypted or decrypted (information or data), and performs the function of storing important key information in the process of adding the authenticator for preventing forgery (or modulation) of the message, or perform the secure request function.

In general, the security application module may be composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8-bit CPU or more has a performance of 2 MIPS (Million Instructions Per Second) or more An Application Specific Integrated Circuit (ASIC) chip (eg, a PLCC 44-pin chip) and / or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)).

In addition, the security application module 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 processing terminal 100 performs a predetermined security request function And / or a key (eg, one master key and at least one application key) and / or a protocol (eg, a transaction protocol, a retransaction protocol, a previous transaction cancellation protocol, a collection protocol, a SAM issuance protocol, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization / Reprocessing / cancellation command).

According to the exemplary embodiment of the present invention, the payment processing terminal device 100 shown compares the card information read out from the customer card according to the present invention with the proxy approval target card number information stored in the memory unit 140 and the payment. Comparing the amount of money information and the information on the amount of the target payment authorization stored in the memory unit 140, at least one or more functional components required to perform the approval process for the payment request in the payment processing terminal 100; It will be shown as being provided in the control unit 105.

Referring to FIG. 1, the controller 105 stores the card information read through the card reader 110 and payment amount information input through the key input unit 120 in the memory 140. An information confirmation unit 155 for confirming whether or not the previously stored micropayment approval processing policy information (for example, card approval information for agency approval, payment amount information for proxy approval, etc.), and the check result, the card information and payment amount information Is in accordance with the micro-payment approval processing policy information, the information processing unit 160 for providing the card information and payment amount information to the payment approval processing unit 165, and based on the provided card information and payment amount information. It is characterized in that it comprises a payment approval processing unit 165 that performs the payment approval processing.

The controller 105 may include the card information and the payment amount information when the card information and the payment amount information do not correspond to the micro payment approval processing policy information as a result of the confirmation by the information confirming unit 155. It may be configured to further include a specialized processing unit for generating a payment approval request full text, and transmits to the payment approval authority server (eg, card company server, etc.) corresponding to the card information.

In addition, the control unit 105, after the proxy approval processing according to the present invention through the payment approval processing unit 165, the payment approval authority server corresponding to the proxy approval details of the proxy approval processing card information (for example, , Card company server, etc.) may be configured to further include a transmission unit 170 for transmission.

In addition, the control unit 105, the payment limit (or usage limit) corresponding to the card information (e.g., card number, etc.) from the payment approval popularity tube server (e.g., card company server, etc.) corresponding to the card approval target information ) Information receiving unit 175 for periodically receiving information or re-checking payment limit (or usage limit) information corresponding to the card information (eg, card number, etc.) in association with the payment approval institution server. Can be configured.

The information checking unit 155 first checks whether the card information read through the card reader unit 110 is included in the proxy approval target card number information stored in the memory unit 140, and as a result of the check, When the read card information is included in the agency approval target card number information stored in the memory unit 140, the payment amount input through the key input unit 120 and the agency approval reference amount previously stored in the memory unit 140. Comparing with the second characterized in that whether the input payment amount satisfies the agency approval criteria.

The information processing unit 160 may not include the read card number in the proxy approval target card number previously stored in the memory unit 140 as a result of the first confirmation by the information confirming unit 155, or the second card number. And when the input payment amount does not satisfy the agency approval criterion, providing the read card information and the input payment amount information to the payment approval request processing unit, and the second confirmation result When the payment amount satisfies the agency approval criterion, the read card information and the input payment amount information are provided to the payment approval processing unit 165.

The payment approval processing unit 165 may perform the payment approval processing based on the card information and the payment amount information provided from the information processing unit 160. In particular, the payment approval processing unit 165 may perform the information processing unit. The card information provided by the information processing unit 160 is compared with the card information provided by the card 160 and the card black list (unusable card list) information stored in the memory unit 140. List), and if the card information provided by the information processing unit 160 is included in the card blacklist (unusable card list), a predetermined error message is displayed through the screen output unit 115. If the card information provided by the information processing unit 160 is not included in the card blacklist (unusable card list), the settlement result for the payment amount is determined. Message is output, and the payment approval details are stored in a predetermined storage medium in association with the card information.

In addition, the payment approval processing unit 165 checks payment approval limit information corresponding to the card information provided by the information processing unit 160 in cooperation with the memory unit 140 and / or the information receiving unit 175. In addition, the payment amount is characterized in that it is further confirmed whether the approval processing within the confirmed payment approval limit.

2 is a diagram illustrating a process of performing a micropayment processing through the payment processing terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 2 compares card information read from the customer card with the card approval information stored in the memory unit 140 in the payment processing terminal 100 shown in FIG. As an implementation method for a process of performing an approval process for the payment request in the payment processing terminal device 100 by comparing the amount information and the payment authorization information of the agency approval stored in the memory unit 140, Those skilled in the art may refer to and / or modify this drawing 2 to perform various processing methods for approval processing on behalf of the payment approval request in the payment processing terminal 100 shown in FIG. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2, the payment processing terminal 100 receives the small payment approval processing policy information (for example, the agency approval target card number and the agency approval target reference amount information) for the agency approval in the payment processing terminal 100. It may be started from the process of storing in the memory unit 140 provided in (200).

As described above, the micro-payment approval processing policy information includes information about a payment approval authority and a micro-signed company that have entered into a predetermined business agreement to perform the micro-payment approval processing through the payment processing terminal 100 shown in FIG. A predetermined business agreement is concluded to perform payment approval processing limit amount information and micropayment approval processing, and includes at least one affiliate store information (or affiliate store terminal information) provided with the payment processing terminal device 100. Characterized in that made.

When card information is read from the customer card in the payment processing terminal device 100 and payment amount information is confirmed through the key input means (205), the payment processing terminal device 100, the memory unit 140 In step 210, it is determined whether the checked card information is a target card for approval by referring to the approval processing policy information stored in the control unit. If the confirmed card information is not a proxy approval target card included in the micro payment approval processing policy information (215), the payment processing terminal 100 receives the payment information including the card information and payment amount information. Compose a request full text (220), and transmits the configured payment approval request full text to the payment approval authority server corresponding to the card information (225).

On the other hand, when it is determined that the confirmed card information is a proxy approval target card included in the micro payment approval processing policy information (215), the payment processing terminal device 100 is the authorization processing stored in the memory unit 140 With reference to the policy information, it is determined whether the confirmed payment amount corresponds to the limit of payment amount for proxy approval according to the present invention (230).

According to the implementation method of the present invention, the amount of payment information subject to the small payment approval processing included in the small payment approval processing policy information, when the payment processing request using the payment means issued by the payment approval authority in accordance with the present invention, the payment It includes the limit information on the payment amount that can be performed by the payment processing terminal 100 on behalf of the payment approval authority for the payment amount.

For example, if the limit payment target amount is set to 10,000 won or less, when the payment amount input to the payment processing terminal device 100 is 9,000 won, the payment processing terminal 100 is the micropayment The payment processing terminal device 100 may perform the approval processing for the payment amount on behalf of the payment approval authority with reference to the micropayment approval processing limit value information included in the approval processing policy information.

On the other hand, if it is determined that the confirmed payment amount does not meet the limit of the authorized payment target amount according to the present invention (235), the payment processing terminal device 100 includes a payment approval request including the card information and payment amount information. Compose a full text (220), and transmits the configured payment approval request full text to a payment approval authority server corresponding to the card information (225).

On the other hand, if it is determined that the confirmed payment amount meets the limit of the authorized payment target amount according to the present invention (235), the payment processing terminal device 100 is stored in the card information stored in the memory unit 140. The corresponding payment limit (or usage limit) is checked (240).

The payment processing terminal 100 checks whether the limit of the card is exceeded with reference to the confirmed payment limit (or usage limit) (245), where the limit of the card is exceeded. It is preferable to check whether the sum of the use amount and the settlement amount exceeds the settlement limit (or usage limit) of the card.

Here, if the card has exceeded the payment limit (or usage limit) (250), the payment processing terminal device 100 displays the screen output means provided in the payment processing terminal device 100 to exceed the payment amount limit. Screen output through (260).

On the other hand, if the card does not exceed the payment limit (or usage limit) (250), the payment processing terminal 100 on behalf of the payment approval authority (for example, card company or VAN company) corresponding to the card, An approval process for the payment approval request is performed (255), and the details of the approval processing for the payment approval request are stored in the memory unit 140 (265).

According to an embodiment of the present invention, the approval processing details are stored in association with the payment means information (eg, card number, etc.), and the approval processing details are the payment approval authority server (eg, card company server). Or a VAN company server).

3 is a diagram illustrating a payment approval processing system configuration for the proxy approval processing according to another embodiment of the present invention.

More specifically, Figure 3, when the payment processing request using the customer's card, in particular, when the payment processing request amount is relatively small, simplify or omit the approval processing procedure and user authentication procedure, etc. that were required for the existing card approval By the above, the payment approval processing system configuration for the credit card payment processing faster and more easily than the cash payment, the payment means information included in the full payment approval request transmitted from the payment terminal provided in at least one merchant ( For example, the card number, etc.) and the payment amount information are read, and the payment approval authority information corresponding to the payment means is checked, and the confirmed payment approval authority performs a predetermined business agreement relating to the micropayment processing approval service according to the present invention. In the case of a payment approval authority, the payment amount is checked by checking the size of the read payment amount. It is determined whether the amount is included in the amount subject to the micropayment approval, and if the result of the determination is included in the amount limit for the micropayment approval, the entire payment approval request is approved on behalf of the payment approval authority. This is a method for implementing a payment approval processing system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for the payment approval processing system configuration for processing the micropayment. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

According to FIG. 3, in the illustrated payment approval processing system, payment means information (for example, a card number) provided in an affiliated store provided with the at least one payment processing terminal device 100 is transmitted from the payment processing terminal device 100. Etc.) and payment amount information to confirm and confirm a payment approval institution corresponding to the payment means information (e.g., a card number, etc.), and the confirmed payment approval authority performs a payment processing approval service related work according to the present invention. In the case of a contracting institution, if the payment amount is included in the micropayment processing limit, the component corresponding to the at least one means and / or functional configuration for performing the micropayment processing approval for the full text of the payment approval request is conveniently " Payment approval processing server 300 ".

Referring to FIG. 3, the payment approval processing system includes a payment approval request text including payment means information (eg, a card number, etc.) read from a predetermined card and payment amount information inputted through a predetermined key input means. Generate and receive the payment processing terminal device 100 to transmit to the payment approval processing server 300, the payment means information and payment amount information transmitted from the payment processing terminal device 100, and a predetermined storage medium ( A payment approval processing server for performing a micropayment approval process for the payment approval request based on the micropayment approval processing policy information corresponding to the payment means information (for example, the card number, etc.) and the payment amount information in association with 345; (300), at least one payment approval institution server for interworking with the payment approval processing server 300 to process card usage balancing for the micropayment approval processing (and It characterized in that comprises a VAN company server).

According to an embodiment of the present invention, the payment processing terminal 100 is basically a payment processing terminal 100 having a credit card, a check card or a debit card reading function, and the payment means information read from the card. (E.g., a card number, etc.) and a payment approval request message including the payment amount information received through a predetermined key input means to the payment approval processing server 300, the payment approval processing server 300 and It is desirable to be connected to a predetermined network.

Referring to FIG. 3, the storage medium 345 provided on the illustrated payment approval processing system includes payment means information (eg, a card) transmitted from the payment processing terminal device 100 by the payment approval processing server 300. Number, etc.) and payment amount information, and at least one micropayment approval processing policy for determining whether the identified payment means information (eg, card number, etc.) and payment amount information are subject to the micropayment approval processing according to the present invention. Information, payment limit (or usage) information for the identified payment means, and B / L information for determining whether the confirmed payment method is usable.

According to the implementation method of the present invention, the micropayment approval processing policy information includes the payment approval authority information and the micropayment approval, which concluded a predetermined business agreement to perform the micropayment approval processing through the payment approval processing server 300. It is characterized in that it comprises at least one or more information on the processing target limit amount, and information on the payment processing terminal device 100 that has entered into a predetermined business agreement to perform the micro payment approval processing.

Here, the payment approval authority information, the payment approval on behalf of the payment approval authority for the approval processing for the payment amount within a predetermined limit when the payment processing request using the payment means issued by the payment approval authority in accordance with the present invention It is characterized in that the payment approval authority information (for example, payment approval authority name, payment approval authority code, etc.) that concluded a predetermined business agreement to be performed by the processing server 300.

For example, when the payment approval processing server 300 receives a payment approval request message from a payment processing terminal device 100 provided at a predetermined affiliate store, the received payment approval request message is read, and the payment approval request message is read. Confirm the payment means information (eg, card number, etc.) and payment approval authority information corresponding to the payment means information, and refer to payment approval authority information included in the micropayment approval processing policy information, The payment approval institution 300 corresponds to the means information (e.g., card number, etc.), and accordingly, the payment approval processing server 300 transfers the payment approval request text to the micropayment approval target limit amount information. It can be processed according to the approval.

The limit payment amount information subject to the micropayment approval processing may include, when the payment processing request is made using the payment means issued by the payment approval authority, the payment approval processing on behalf of the payment approval authority. Characterized in that the limit information on the payment amount that can be performed in the server (300).

For example, if the limit amount subject to the micropayment approval processing is set to 10,000 won or less, the payment amount included in the full payment approval request message received from the merchant payment processing terminal device 100 to the payment approval processing server 300 is In the case of 9,000 won, the payment approval processing server 300 refers to the small amount payment approval processing target amount information included in the small payment approval processing policy information, and performs the approval processing for the payment amount on behalf of the payment approval authority. The payment approval processing server 300 can be performed.

According to the embodiment of the present invention, the payment limit (or usage) information for the checked payment means is based on the micropayment approval processing policy information, and the payment approval transmitted from the predetermined payment processing terminal device 100. Even after the approval processing of the payment approval processing server 300 for the request message is determined, if the use of the payment means included in the payment approval request message is exceeded, the approval process is not normally performed, and thus the payment means Information for checking whether the usage is exceeded, characterized in that it is periodically provided from the payment approval institution server (for example, the card company server) corresponding to the payment means.

According to an embodiment of the present invention, the B / L information for determining whether the confirmed payment means can be used is periodically received from a payment approval institution server corresponding to the payment means, and stored in the storage medium 345. Stored.

According to an embodiment of the present invention, the storage medium 345 is provided in the payment approval processing server 300 or a predetermined storage medium 345 operating means interoperating with the payment approval processing server 300. It is provided in, or provided in the payment approval authority server, or in a predetermined storage medium 345 operating means that is interlocked with the payment approval authority server.

According to an embodiment of the present invention, the payment approval processing server 300 is characterized in that the interworking with the payment approval authority server through a predetermined network, the network is a public PSTN (Public Switched Telephone Network: public telephone switching network) (Asymmetric Digital Subscriber Line), L / L (Leased Line), desirable.

Referring to Figure 3, the payment approval processing server 300 provided in the affiliated store, payment means information (for example, card number, etc.), payment amount information, payment approval from the payment processing terminal device 100 provided in the merchant A reading unit 310 for receiving and confirming at least one piece of information of the request payment processing terminal device 100 and determining whether the read information corresponds to the micropayment approval processing policy information stored in the storage medium 345. An authentication unit 320 for authenticating the validity of the read payment means by referring to the determination unit 315, payment means (or usage limit) information and B / L information stored in the storage medium 345. And an approval processing unit 330 which performs an approval process for the payment approval request when the read information corresponds to the micro payment approval processing policy information and the validity of the payment means is authenticated. It is characterized by being carried.

In addition, according to the method of the present invention, the payment approval processing server 300, the approval processing for the received payment approval request full text does not match the micropayment approval processing policy information stored in the storage medium 345, etc. In this case, it may be configured to further include a transmission unit 325 for transmitting the approval process for the payment approval request full text to the payment approval authority server corresponding to the payment means included in the payment approval request full text.

In addition, according to the embodiment of the present invention, the payment approval processing server 300, when the approval processing for the full payment approval request is performed in the payment approval processing server 300, the payment approval processing server 300 The storage unit 335 for storing the details of the approval processing performed in the storage medium 345 and the approval processing details stored in the storage unit 335 to the payment approval authority server periodically, and the payment approval Receiving the usage information on the payment means from the institution server, it may be configured to further include an update unit 340 for updating the payment limit (or usage) information stored in the storage medium (345).

Here, the update unit 340, by receiving the B / L information periodically from the payment approval authority server, characterized in that for updating the B / L information stored in the storage medium (345).

The receiving unit 305 is generated by the payment processing terminal device 100 from the payment processing terminal device 100 provided in at least one or more affiliated stores connected through the network (eg, ADSL or L / L or PSTN). Characterized in that for receiving the payment approval request message sent, the received payment approval request message is transmitted to the reading unit 310.

The reading unit 310 reads at least one or more of payment means information (for example, card number, etc.), payment amount information, payment approval request payment processing terminal device 100 information received through the reception unit 305 Characterized in that it is confirmed, the information read through the reading unit 310 (for example, payment means information (for example, card number, etc.), payment amount information, payment approval request payment processing terminal 100 information, etc.) It is transmitted to the determination unit 315 and / or the authentication unit 320.

The determination unit 315 determines whether at least one or more of the information read and confirmed by the reading unit 310 corresponds to the micropayment approval processing policy information stored in the storage medium 345. do.

According to the method of the present invention, the micropayment approval processing policy information stored in the storage medium 345 is concluded a predetermined business agreement to perform micropayment approval processing through the payment approval processing server 300. It may include payment approval authority information, the determination unit 315 is the payment approval authority information corresponding to the payment means information (for example, card number, etc.) confirmed by the reading unit 310 and the micropayment approval processing By comparing the payment approval authority information included in the policy information, it can be determined that the payment means identified from the full payment approval request is the payment means subject to the micropayment approval processing according to the present invention.

In addition, according to the method of the present invention, the micropayment approval processing policy information stored in the storage medium 345 may include the limit amount information subject to micropayment approval processing, and the determination unit 315 may include By comparing the payment amount information confirmed by the reading unit 310 and the amount payment information subject to the micropayment approval processing included in the micropayment approval processing policy information, the payment amount is compared to the limit payment amount subject to the micropayment approval processing. If it is matched, it can be determined that the payment amount confirmed from the full payment approval request is the payment amount subject to the micro payment approval processing according to the present invention.

In addition, according to an embodiment of the present invention, the micropayment approval processing policy information stored in the storage medium 345 may include information on payment processing terminal 100 that has concluded a predetermined business agreement. The determination unit 315 compares the payment processing terminal device 100 information checked by the reading unit 310 with the payment processing terminal device 100 for micro payment approval processing included in the micro payment approval processing policy information. By doing so, it may be determined that the payment processing terminal device 100 confirmed from the full payment approval request is the small payment approval processing target payment device 100 according to the present invention.

The authenticator 320 may verify the validity of the read payment means by referring to payment limit (or usage) information and B / L information of the payment means stored in the storage medium 345. In addition, the validity authentication process by the authentication unit 320 may be performed before or after the small payment approval processing policy information conformity determination process of the determination unit 315, and a small amount through the determination unit 315 Even if it is determined that the payment means (or the payment amount or payment processing terminal device 100, etc.) subject to payment approval processing is not validated through the authentication unit 320, the payment approval processing server 300 according to the present invention. It is preferable that the micropayment approval process is not performed through

The approval processing unit 330, the information (for example, payment means information (for example, card number, etc.), payment amount information, payment processing terminal device 100 information, etc.) read through the reading unit 310 is the small amount In accordance with the payment approval processing policy information, and if the validity is authenticated through the authentication unit 320, characterized in that for performing the approval process for the full payment approval request.

According to the exemplary embodiment of the present invention, the micropayment approval processing performed through the approval processor 330 may include the micropayments in which at least one or more pieces of information read through the reader 310 are stored in the storage medium 345. In accordance with the payment approval processing policy information, it is preferable that the payment method is performed after the validity of the payment limit (or usage) information and the B / L information of the payment method stored in the storage medium 345 is verified. .

The transmission unit 325, at least one or more information of the payment means information (for example, card number, etc.), payment amount information, payment processing terminal 100 information stored in the storage medium 345 is approved If the policy information does not match, or if the payment means is not validated against the payment limit (or usage) information and B / L information stored in the storage medium 345, the details of the failure to verify the validation Characterized in that the retransmission to the payment processing terminal 100.

In this case, the payment processing terminal 100 generates a payment approval request message including the payment means information (for example, the card number) and the payment amount information to a payment approval institution server corresponding to the payment means information. Send it for approval.

The update unit 340, in connection with at least one payment approval authority server, periodically provides the approval processing details performed by the payment approval processing server 300 to the payment approval authority server, the payment approval authority server Receiving the usage information for the payment means from the, characterized in that for updating the payment limit (or usage) information stored in the storage medium (345).

In addition, the update unit 340, in conjunction with the payment approval authority server, periodically receives the B / L information from the payment approval authority server, to update the B / L information stored in the storage medium 345 It is characterized by.

4 is a diagram illustrating a process of performing a micropayment process through a payment approval processing system according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates payment means information (eg, a card) received from the payment processing terminal device 100 included in the affiliated store in the payment approval processing server 300 provided in the predetermined affiliated store shown in FIG. 3. Number, etc.), payment amount information, payment processing terminal 100 information, etc. are provided in the payment approval processing server 300 or stored in the storage medium 345 linked with the payment approval processing server 300. As the execution method for the process of performing the approval processing for the payment approval request full text through the payment approval processing server 300 by determining whether it meets the micro payment approval processing policy information, which is common in the art. Those skilled in the art can refer to and / or modify the drawing 4 and variously process the approval on behalf of the full payment approval request in the payment approval processing server 300 shown in the drawing 3. Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

Referring to FIG. 4, the payment approval processing server 300 provided at a predetermined affiliate store may start from storing the small payment approval processing policy information for the proxy approval in a predetermined storage medium 345 (400). .

As described above, the micro-payment approval processing policy information includes information about a payment approval authority and a micro-signed company that have entered into a predetermined business agreement to perform the micro-payment approval processing through the payment approval processing server 300 shown in FIG. It includes a payment processing terminal limit information and the payment processing terminal device 100 has a predetermined business agreement is concluded to perform a small payment approval processing, characterized in that it comprises at least one.

Payment means information and payment amount information (or payment approval request message including payment means information and payment amount information, etc.) from the payment approval processing server 300 from at least one or more payment processing terminal devices 100 provided in the affiliated store; Is received and confirmed (405), the payment approval processing server 300 on behalf of the payment approval authority for the approval processing for the payment amount within a predetermined limit included in the approval processing policy information stored in the storage medium 345 With reference to the payment approval institution information (for example, payment approval agency name, payment approval authority code, etc.) that signed a predetermined business agreement to be performed at), the confirmed payment means is subject to agency approval target payment according to the present invention It is determined whether the means (410).

According to the implementation method of the present invention, the payment approval processing server 300 corresponds to the confirmed payment means information (eg, card number, etc.) with reference to payment approval authority information included in the micro payment approval processing policy information. It is confirmed that the payment approval institution is a payment approval authority included in the micropayment approval processing policy information. Accordingly, the payment approval processing server 300 receives the payment approval request received from the payment processing terminal through the following process. The approval can be processed according to the limit amount information, etc. subject to the micro payment approval processing.

If the confirmed payment means information does not meet the payment approval authority information included in the micro payment approval processing policy information (415), the payment approval authority information matching error details in the payment approval processing server 300 The payment processing terminal 100 transmits to the payment processing terminal 100 and the payment processing terminal 100 generates a payment approval request message including the payment means information and the payment amount information, and generates the full payment approval request message. The request for approval is sent to the payment approval institution server corresponding to the payment means information (425).

According to another exemplary embodiment of the present invention, if the payment approval request message including the payment means information and the payment amount information is received from the payment processing terminal device 100 to the payment approval processing server 300, the payment approval processing is performed. The server 300 may transmit the received payment approval request message to the payment approval institution server corresponding to the payment means information to make an approval request.

On the other hand, when the confirmed payment method information is matched with payment approval authority information included in the micropayment approval processing policy information (415), the payment approval processing server 300 is the approval stored in the storage medium 345 With reference to the processing policy information, it is determined whether the confirmed payment amount corresponds to the limit of payment amount for the agency approval according to the present invention (430).

According to the implementation method of the present invention, the amount of payment information subject to the small payment approval processing included in the small payment approval processing policy information, when the payment processing request using the payment means issued by the payment approval authority according to the present invention, the payment It includes the limit information on the payment amount that can be performed in the payment approval processing server 300 on behalf of the payment approval authority for the approval process for the amount, for example, the limit amount subject to the small payment approval processing is 10,000 If it is less than the won, if the payment amount contained in the payment approval request message received from the merchant payment terminal to the payment approval processing server 300 is 9,000 won, the payment approval processing server 300 approves the small payment The approval process for the payment amount is performed by referring to the limit payment amount information included in the small payment approval process included in the processing policy information. It can be performed in the payment approval processing server 300 in place of the popular view.

On the other hand, if it is determined that the confirmed payment amount does not meet the payment target limit for agency approval according to the present invention (435), the payment approval authority information matching error details in the payment approval processing server 300 is the payment processing terminal Transmitting to the device 100 (420), the payment processing terminal 100 generates a payment approval request message including the payment means information and the payment amount information, and generates the payment approval request The request for approval is transmitted to the payment approval institution server corresponding to the information (425).

On the other hand, if it is determined that the payment amount confirmed from the full payment approval request is in accordance with the limit of the payment amount subject to approval according to the present invention (435), the payment approval processing server 300 is stored in the storage medium 345 Check the payment limit (or usage) corresponding to the payment means (440).

In addition, the payment approval processing server 300 checks whether the limit of the payment means is exceeded with reference to the confirmed payment limit (or usage limit) (445). It is preferable to check whether the sum of the payment amount of the payment means and the payment amount exceeds the payment limit (or usage limit) of the payment means.

Here, if the payment means has exceeded the payment limit (or usage limit) (450), the payment approval processing server 300 is the payment processing amount exceeding the payment limit terminal 100 (and / or payment approval) To the server 455).

On the other hand, if the payment means does not exceed the payment limit (or usage limit) (450), the payment approval processing server 300 on behalf of the payment approval authority corresponding to the payment means, for the payment approval request The approval process is performed (460), and the approval processing details for the payment approval request are stored in the storage medium 345 (465).

According to an embodiment of the present invention, the approval processing details are stored in association with the payment means information (eg, card number, etc.), and the approval processing details are the payment approval authority server (eg, card company server). Or a VAN company server).

5 is a diagram illustrating a process of performing a micropayment process through a payment approval processing system according to another embodiment of the present invention.

In more detail, Figure 5 is a payment approval processing server (300, etc.) and the payment approval processing server 300 according to the present invention in the payment approval processing server 300 provided in the predetermined merchant shown in FIG. When a predetermined business agreement relating to the approval of a small settlement through a) is concluded, payment means information and payment amount information (or the payment means information and received from the at least one payment processing terminal device 100 provided in the merchant) Full payment approval request including payment amount information), and when the confirmed payment means information is a payment means corresponding to the payment approval authority, the payment approval processing server 300 is provided or the payment is made. Approve the payment approval request full text by determining whether the amount of the agency approval payment amount stored in the storage medium 345 linked with the approval processing server 300 is met. As a method for performing the process on behalf of the payment approval processing server 300, a person having ordinary skill in the art to which the present invention pertains, refer to and / or modify the present figure 5 to the figure 3 The payment approval processing server 300 shown in FIG. 5 may infer various implementation methods for the approval processing on behalf of the full payment approval request, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implemented method.

Referring to FIG. 5, the payment approval processing server 300 concludes a predetermined business agreement related to the agency approval with a specific payment approval institution (for example, a card company) for the agency approval according to the present invention, and the payment approval institution In operation 500, the information and the predetermined agency approval payment amount limit information for the agency approval may be stored in a predetermined storage medium 345.

When payment method information and payment amount information are received and confirmed from the payment approval processing server 300 from at least one payment processing terminal device 100 provided in the affiliate store (505), payment corresponding to the confirmed payment method information Approved authority (eg, card company, etc.) information is checked (510).

Thereafter, the payment approval processing server 300 may perform the approval processing for the payment amount within a predetermined limit stored in the storage medium 345 in the payment approval processing server 300 on behalf of the payment approval authority. With reference to payment approval institution information (e.g., payment approval institution name, or payment approval authority code, etc.) that concluded a predetermined business agreement, a payment approval institution (e.g., a card company, etc.) corresponding to the verified payment means In accordance with the agency agreement, it is determined whether the payment approval agency is concluded (515).

If the payment approval authority corresponding to the confirmed payment means information is not the agency approval related business agreement conclusion payment approval agency (520), the payment approval processing server 300 to the payment processing terminal 100 The proxy disallowed details will be transmitted (525).

On the other hand, when the payment approval institution corresponding to the confirmed payment means information is the agency approval related business agreement conclusion payment approval agency (520), the payment approval processing server 300 is the agency approval stored in the storage medium 345 With reference to the payment amount limit information, it is determined whether the payment amount confirmed from the full payment approval request message corresponds to the payment amount limit for the agency approval according to the present invention (530).

For example, when the payment amount limit for the agency approval is less than 10,000 won, if the payment amount received from the payment processing terminal device 100 to the payment approval processing server 300 is less than 10,000 won, the payment approval processing server 300 ) On behalf of the payment approval authority server, the approval process on behalf of the payment approval request, but if the received payment amount exceeds 10,000 won, the payment approval processing server 300 is the payment approval request full text The approval authority server transmits the approval authority to the approval authority server, or transmits the proxy approval details to the payment processing terminal 100 (525).

On the other hand, if the payment amount confirmed from the payment approval request full text is within the agency approval target payment amount limit stored in the storage medium 345 (535), the payment approval processing server 300 to the storage medium 345 Check the payment limit (or usage) of the previously stored payment means (540), and with reference to the confirmed payment limit (or usage), to determine whether the limit of the payment means (545), wherein the Whether the limit of the payment means is exceeded, it is preferable to check whether the sum of the use amount of the payment means and the payment amount exceeds the payment limit (or usage limit) of the payment means.

Here, if the payment means exceeds the payment limit (or usage limit) (550), the payment approval processing server 300 is the payment processing terminal device 100 (and / or payment approval) exceeding the payment amount limit Institution 555).

On the other hand, if the payment means does not exceed the payment limit (or usage limit) (550), the payment approval processing server 300 on behalf of the payment approval authority corresponding to the payment means, for the payment approval request The approval process is performed (560), and the approval processing details for the payment approval request are stored in the storage medium (345) (565).

According to the embodiment of the present invention, the approval processing details are stored in association with the payment means information (eg, card number, etc.), and the approval processing details are the payment approval authority server (eg, card company server). It is desirable to be provided periodically)

6 is a diagram illustrating a process of performing a micropayment process through a payment approval processing system according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a plurality of payment approval institutions and a payment approval institution (for example, a card company) for a predetermined payment amount limit in a payment approval processing server 300 provided at a predetermined affiliate store shown in FIG. Etc.) When a predetermined business agreement for approval processing is concluded on behalf of, etc., receiving and confirming payment means information and payment amount information from at least one payment processing terminal device 100 provided in the affiliated store, and confirming As an implementation method for a process in which the payment approval processing server 300 performs the approval processing for the payment approval request by determining whether payment amount information is included in the proxy approval payment amount limit, If one of ordinary skill in the art, the payment approval processing server 300 shown in FIG. Various implementation methods for approval processing on behalf of the request 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.

Referring to FIG. 6, a plurality of payment approval institutions and a payment approval institution (for example, for a predetermined payment amount limit) for the agency approval according to the present invention in the payment approval processing server 300 provided at a predetermined affiliate store And a predetermined business agreement for the approval process on behalf of the credit card company, and the like, and may store the approved payment amount limit information in the predetermined storage medium 345 (600).

When the payment approval information server 300 receives payment method information and payment amount information (or payment approval request text) from the at least one payment processing terminal device 100 provided in the affiliate store (605), the storage With reference to the agency-approved payment amount limit information stored in the medium 345, it is checked whether the checked payment amount is within the agency-approved payment amount limit (610).

For example, when the payment amount limit for the agency approval is less than 10,000 won (615), the payment means amount information received from the at least one payment processing terminal device 100 provided to the merchant to the payment approval processing server 300 ( Or payment amount information included in the full payment approval request) is less than 10,000 won, the payment approval processing server 300 processes the agency approval for the payment request on behalf of the payment approval authority server, but the payment amount is When exceeding 10,000 won, the payment approval processing server 300 transmits the full payment approval request message to the payment approval authority server for approval processing at the payment approval authority server, or the payment processing terminal 100 The proxy approval process error history is transmitted (620).

On the other hand, if the confirmed payment amount satisfies the proxy approval payment amount limit stored in the storage medium 345 (615), the payment approval processing server 300 is the payment means previously stored in the storage medium 345 Check the payment limit (or usage limit) of (625), and check the payment limit (or usage limit) of the payment method with reference to the confirmed payment limit (or usage limit), where (630), Whether the payment means is exceeded, it is preferable to check whether the sum of the use amount of the payment means and the payment amount exceeds the payment limit (or usage limit) of the payment means.

Here, if the payment means has exceeded the payment limit (or usage limit) (635), the payment approval processing server 300 is the payment processing terminal device 100 (and / or payment approval) exceeding the payment amount limit Institution 640).

On the other hand, if the payment means does not exceed the payment limit (or usage limit) (635), the payment approval processing server 300 on behalf of the payment approval authority corresponding to the payment means, for the payment approval request The approval process is performed (645), and the approval processing details for the payment approval request are stored in the storage medium (345) (650).

According to the embodiment of the present invention, the approval processing details are stored in association with the payment means information (eg, card number, etc.), and the approval processing details are the payment approval authority server (eg, card company server). Etc.) is provided periodically.

7 is a view showing a process of performing a micropayment process through a payment approval processing system according to another embodiment of the present invention.

* Figure 7 shows in more detail, the payment means information received from at least one payment processing terminal device 100 provided in the merchant at the payment approval processing server 300 provided in the predetermined merchant shown in FIG. Receiving and confirming payment amount information and payment processing terminal device 100 information (or a payment approval request message including the information), and confirming the payment processing terminal device 100 information is the payment approval processing server 300. By determining whether it corresponds to the information on the proxy approval target payment processing terminal device 100 stored in the storage medium 345 that is interlocked with the payment approval processing server 300, the approval process for the payment approval request is As an implementation method for a process performed through the payment approval processing server 300, those skilled in the art to which the present invention pertains, refer to and / or modify the present invention By the payment approval processing server 300 shown in Figure 3 may be inferred various implementation methods for the approval process on behalf of the payment approval request, the present invention includes all the implementation methods inferred, this figure It is not limited to the implementation method shown in 7.

Referring to FIG. 7, at least one payment approval processing server 300 performs a proxy approval process for a payment approval request within a predetermined payment amount limit transmitted from a (specific) payment processing terminal device 100 provided at an affiliated store. When a predetermined business agreement is concluded with the above payment approval authority, the storage medium 345 stores information about the agency approval target payment processing terminal device 100, information about a payment amount limit for the agency approval, and information about the payment approval authority. It may be initiated from the process of storing in (700).

In the payment approval processing server 300, payment means information, payment amount information, and payment processing terminal device 100 information (or payment approval including the information) from at least one or more payment processing terminal devices 100 provided in the affiliated store. Once the full request is received and confirmed (705),

The payment approval processing server 300 compares the information on the proxy approval target payment processing terminal device 100 stored in the storage medium 345 with the confirmed payment processing terminal device 100 information, and the confirmed payment processing terminal. In operation 710, the apparatus 100 determines whether the payment processing terminal 100 is the target agent for approval.

If the checked payment processing terminal device 100 information is not information for the target approval processing terminal device 100 stored in the storage medium 345 (715), the payment approval processing server 300 is The agent approval processing error history is transmitted to the payment processing terminal 100 (720).

On the other hand, when the confirmed payment processing terminal device 100 information matches the agency approval target payment processing device 100 information stored in the storage medium 345 (715), the payment approval processing server 300 In operation 725, the controller 100 determines whether the determined payment amount corresponds to the agency approval target payment amount limit according to the present invention with reference to the agency approval target payment amount limit information stored in the storage medium 345.

On the other hand, if it is determined that the payment amount confirmed from the full payment approval request text does not meet the limit of the payment amount for proxy approval in accordance with the present invention (730), the payment approval processing server 300 indicates the error of the agency approval processing error. The payment processing terminal 100 transmits (720).

On the other hand, if it is determined that the payment amount confirmed from the full payment approval request is in accordance with the proxy payment target payment amount limit according to the present invention (730), the payment approval processing server 300 is stored in the storage medium 345 Check the payment limit (or usage limit) corresponding to the payment means (735), and with reference to the confirmed payment limit (or usage limit), to determine whether the payment method limit is exceeded (740), wherein the Whether the limit of the payment means is exceeded, it is preferable to check whether the sum of the use amount of the payment means and the payment amount exceeds the payment limit (or usage limit) of the payment means.

If the payment means has exceeded the payment limit (or usage limit) (745), the payment approval processing server 300 passes the payment amount limit history to the payment processing terminal 100 (and / or payment approval). Institution 750).

On the other hand, if the payment means does not exceed the payment limit (or usage limit) (745), the payment approval processing server 300 on behalf of the payment approval authority corresponding to the payment means, the approval of the payment approval request In operation 755, the approval processing history for the payment approval request is stored in the storage medium 345 (760).

According to an embodiment of the present invention, the approval processing details are stored in association with the payment means information (eg, card number, etc.), and the approval processing details are the payment approval authority server (eg, card company server). Etc.) is provided periodically.

8 is a diagram showing the function of the payment processing terminal 800 for the proxy approval processing according to another embodiment of the present invention.

In more detail, FIG. 8 shows that when a payment processing request is made by using and dividing a card owned by at least two customers for a predetermined payment amount, in particular, when the payment processing request amount divided to each customer is relatively small, By simplifying or omitting an authorization processing procedure and a user authentication procedure, which were required for the existing card approval, for the functional configuration of the payment processing terminal device 800 for faster and simpler credit card payment processing than cash payment As a person of ordinary skill in the art to which the present invention pertains, a card which is provided in at least one or more affiliated stores by referring to and / or modifying the drawing 8 and owned by at least two or more customers for a predetermined payment amount When requesting a partial payment processing using a payment method from each card owned by the at least two or more customers Read information (e.g., card number, etc.), receive payment amount (total payment amount) information through a predetermined key input means, calculate an individual payment processing amount for each card, and read the at least two or more cards When the information is compared with the agency approval processing condition information (for example, the agency approval target card number information and the agency approval target payment amount information) previously stored in the payment processing terminal device 800, the agency approval processing conditions are met. It is possible to infer various functional configurations of the payment processing terminal 800 to perform the approval processing for the payment processing request on behalf of the payment approval authority (or VAN company, etc.), but the technical features of the present invention It is not intended to be limited to 8, but to include all implementation methods inferred.

Referring to FIG. 8, when a partial payment processing request using a card owned by at least two customers for a predetermined payment amount is simplified or omitted, an authorization processing procedure and a user authentication procedure, which are required for the existing card approval, are simplified or omitted. In addition, the payment processing terminal device 800 for processing the credit card payment on behalf of the card payment faster and easier than the basic, the control unit 805, the memory unit 840, the card reader unit 810 and the key input unit 820 ) And a screen output unit 815, a communication unit 830, a print output unit 845, and a power supply unit 825 for supplying power to the payment processing terminal device 800. And at least one terminal function unit 835 (not shown in detail).

The controller 805 controls the overall operation of the payment processing terminal 800 shown in the functional configuration, manages the flow of information or data between each component, and is read from a card owned by at least two or more customers, respectively. Predetermined agency approval processing condition information previously stored in the memory unit 840 in the payment processing terminal device 800 (for example, proxy approval target card number information; The payment processing terminal device in order to perform the approval processing for the payment request directly in the payment processing terminal device 800 when the agency approval processing condition information is satisfied. Characterized in that interlocking and controlling at least one or more components provided in the (800), CPU (Central Processing Unit), RO It consists of a read only memory (M), a random access memory (RAM), a system bus (System Bus), etc., from the predetermined recording medium to perform a function specific to the payment processing terminal device 800 by software A predetermined program routine and / or program data loaded into execution memory and processed by the processor (e.g., card information read from a card owned by the at least two or more customers, respectively, and the memory). Comparing the proxy approval target card number information stored in the unit 840 and comparing the individual payment processing amount information for each card calculated from the total payment amount information with the proxy approval target payment amount information stored in the memory unit 840 In order to perform the approval process for the payment request in the payment processing terminal 800, the recording medium provided in the payment processing terminal 800; A predetermined program to be locked and / or a component that can be processed by software among the functional components provided in the payment processing terminal 800 is shown in the controller 805). .

According to the exemplary embodiment of the present invention, the controller 805 may include components (eg, the memory unit 840, the card reader unit 810, the key input unit 820) provided in the payment processing terminal device 800, and the like. The screen output unit 815, the communication unit 830, the print output unit 845, etc.) and / or the terminal function unit 835 (not shown in detail) according to the intention of the person skilled in the art). In addition to controlling and managing the provision of the electronic payment service defined in (800), the memory unit 840 and at least two or more card information that is read from each card owned by at least two or more customers according to an embodiment of the present invention After comparing the proxy approval target card number information stored in the data and the respective payment settlement amount information calculated from the total payment amount information and the proxy approval target payment amount information stored in the memory unit 840, the comparison result on To control the components provided in the payment processing terminal 800 in order to perform the approval processing for the payment request in the payment processing terminal 800, and / or the respective customer card. It is preferable to execute a program recorded on a recording medium provided in the payment processing terminal device 800 for a predetermined financial transaction using information of a payment means (for example, a credit card or a check card or a debit card) read from the information. .

The memory unit 840 may perform an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment processing terminal device 800. General term for non-volatile memory for storing information or data input / output (I / O), and includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. And at least one storage means, wherein the control unit 805 is required to perform a predetermined control function and predetermined program routines and program data (for example, a program routine is input or performed to perform a predetermined function). Output data) is stored.

According to an exemplary embodiment of the present invention, the memory unit 840 may include at least two or more card information read from a card owned by each of the at least two customers and payment amount information input through a predetermined key input means (total payment). The amount of individual payment processing amount information for each card calculated from the amount information) is applied to the at least one micropayment approval processing policy information for determining whether the micropayment approval processing object according to the present invention and the respective customer card information are identified. It is characterized in that the payment limit (or usage) information for the B / L information for determining the availability of each of the confirmed customer card information is stored.

According to the method of the present invention, the micropayment approval processing policy information includes payment approval authority information that concludes a predetermined business agreement to perform micropayment approval processing through the payment processing terminal device 800, and micropayment approval. Characterized in that it comprises at least one or more of the processing target limit amount information and the affiliated store information (or affiliated store terminal information) provided with the payment processing terminal device (800).

Here, the payment approval authority information, the payment processing on behalf of the payment approval authority for the approval processing for the payment amount within a predetermined limit when the payment processing request using the payment means issued by the payment approval authority in accordance with the present invention It is characterized in that the payment approval authority information (for example, payment approval authority name, payment approval authority code, etc.) that concluded a predetermined business agreement to be performed by the terminal device (800).

For example, the payment processing terminal 800 confirms payment approval authority information corresponding to the card information read from each customer card, and refers to payment approval authority information included in the micro payment approval processing policy information. The payment approval institution information corresponding to the confirmed payment means information (for example, card number, etc.) is confirmed, and accordingly, the payment processing terminal device 800 subjects the payment approval request to the micropayment approval processing object. Agent approval can be processed according to the limit amount information.

The amount of payment information subject to the micropayment approval processing, the payment processing terminal on behalf of the payment approval authority for the approval processing for the payment amount when the payment processing request using the payment means issued by the payment approval authority according to the present invention Characterized in that the limit information on the payment amount that can be performed in the device (800).

For example, if the limit payment subject to the micropayment approval process is set to less than 10,000 won, if the amount of payment input through a predetermined key input means provided in the payment processing terminal device 800 is 9,000 won, the payment processing terminal The apparatus 800 refers to the micropayment approval processing target limit amount information included in the micropayment approval processing policy information, and performs the approval processing for the payment amount on behalf of the payment approval authority. Can be done in

According to the exemplary embodiment of the present invention, the micropayment approval processing limit amount information may be divided by using a payment means owned by at least two customers by a predetermined payment amount through the payment processing terminal device 800. If it is desired, the payment processing terminal device 800 may perform the approval process for the payment amount assigned to each customer on behalf of the payment approval authority.

For example, if the limit amount subject to the micro payment approval processing is set to less than 15,000 won, the payment amount input through a predetermined key input means provided in the payment processing terminal device 800 is 50,000 won, and the payment amount is When the number of customers (or cards) to be paid is five, the payment processing terminal 800 calculates a payment amount (for example, 10,000 won, etc.) allocated to each payment customer for the 50,000 won, and the micropayment is made. With reference to the information on the amount of the micropayment approval processing target included in the approval processing policy information, the approval processing for the payment amount (for example, 10,000 won) assigned to each individual (for example, five persons) is performed on behalf of the payment approval authority. By the payment processing terminal device 800 can be performed.

The affiliated store information (or affiliated store terminal information) is a predetermined task to perform the approval processing for the payment amount within a predetermined limit in the payment processing terminal device 800 on behalf of a predetermined payment approval institution in accordance with the present invention. It is characterized in that the merchant information (for example, merchant name, or payment processing terminal device information (or code), etc. provided with the merchant) provided with the payment processing terminal device 800, which has entered into an agreement.

According to an embodiment of the present invention, the payment limit (or usage) information for the card information read from the customer card is based on the micropayment approval processing policy information. Even if the card information and the payment amount information (or the payment amount information allocated to each customer) meet the micropayment approval processing policy, when the usage limit (or payment limit) of the customer card is exceeded, the authorization processing is not normally performed. Therefore, as information for checking whether the payment means usage is exceeded, it is characterized in that it is periodically provided from a payment approval institution server (for example, card company server or VAN server) corresponding to the payment means.

According to an embodiment of the present invention, B / L information for determining whether the card information read from the customers card is available is periodically provided from a payment approval institution server (or VAN server) corresponding to the card information. It is preferably stored in the memory unit 840.

In addition, the customer card, a contact IC card (or wireless IC chip) based on the ISO / IEC 7816 standard for a predetermined financial transaction processing with the payment processing terminal device 800, and the ISO / IEC 14443 standard It characterized in that it comprises at least one or more contactless IC card based, for this purpose, the card reader unit 810 of the payment processing terminal 800 reads at least one or more information or data provided in the customer card It provides a interface for.

According to the exemplary embodiment of the present invention, the card reader unit 810 may provide predetermined card information (for example, a credit card provided in the card or the like) from the customers card for the electronic payment service defined in the payment processing terminal 800. Payment means information corresponding to a payment method including at least one of a check card or a debit card or a cash card or a financial account.

In addition, the card reader unit 810 includes a contact IC reader unit (or RF reader unit or RF dongle) that provides an interface between the contact IC card (or RF card) and the payment terminal.

The contact IC reader unit is a card reader unit 810 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment processing terminal device (800).

In addition, the payment processing terminal 800, based on the ISO / IEC 14443 for transactions with the contactless IC card, using a contactless IC card using capacitive coupling and / or inductive coupling (Inductive Coupling), etc. And at least one antenna making electrical contact with the contactless device, and supplying power to the IC chip of the IC card through the antenna, and using the half duplex transaction using an APDU. It may further comprise a contactless IC reader unit for interfacing the predetermined information or data from the payment processing terminal device (800).

In addition, according to the embodiment of the present invention, the payment processing terminal 800 may be configured to further include an MS reader unit for performing a transaction with the MS-type card of the customer, the MS reader unit ISO / IEC A card reader unit 810 based on 7810, comprising at least one magnetic head including a predetermined coil, wherein predetermined information (e.g., magnetized binary data) is recorded. When the MS card is moved in close contact with the magnetic head in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), the magnetic head is loaded with a predetermined electrical signal. It is characterized in that the predetermined information or data from the at least one track (MS) provided in the MS of the MS card to interface with the payment processing terminal device (800).

The key input unit 820 includes a predetermined at least one key button including at least one number key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a key input device, and is provided to the key input device in a specific input mode and / or an operation mode of the payment processing terminal device 800 controlled by the controller 805. When predetermined information (or signal) is input from a predetermined key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 805. do.

Here, the control unit 805 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment processing terminal device 800, and / or is matched with the key event and defined. It is characterized in that to obtain a command for executing a predetermined function, the key input unit 820 and the key input device having at least one or more key buttons interlocked with each other is provided in the payment processing terminal device (800) Functions as a key input means.

For example, a key input device interoperating with the key input unit 820 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or A keyboard device having a Hangul text key) and 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 text key and a function key It is preferable to include at least one or more provided touch screen device.

The key input unit 820 inputs key data (eg, payment amount) corresponding to the electronic payment service from at least one key input device for a predetermined electronic payment service defined in the payment processing terminal device 800. It is preferable to perform the function of the receiving key input means.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 820 may set the operation mode of the payment processing terminal device 800 in the initial mode and / or in the general payment mode according to the method of the present invention. It is preferable to include a key button for switching to the divided payment mode (e.g., a mode in which at least two customers divide each card into a certain amount of money for a predetermined amount of money).

The screen output unit 815 may be a liquid crystal display (LCD) and / or a CRT by the control unit 805 while the payment processing terminal 800 performs a predetermined function (for example, an electronic payment processing function). (Cathode Ray Tube) outputs at least one or more information or data that is predefined or defined in real time to be output to a predetermined output device including a screen through a predefined interface screen, the screen output unit ( 815 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment processing terminal device 800.

The information or data predefined to be output from the payment processing terminal device 800 to the screen output device may be provided in the key data input through the key input unit 820 and / or in the payment processing terminal device 800. Information (or data) stored or generated by the component, information (or data) transmitted / received through the communication unit 830, and / or (or data) corresponding to a predetermined calculation result performed by the payment terminal. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 815 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for an electronic payment service defined in the payment processing terminal device 800. It is preferable to perform the function of the screen output means.

The communication unit 830 is a server that is connected through a payment network (eg, VAN (Value Added Network)) in the process of the payment processing terminal 800 performs a predetermined function (for example, electronic payment processing function, etc.) (Eg, a payment server) and / or a terminal (or device) connected to the payment processing terminal device 800 via a predetermined cable and / or through the predetermined short range wireless communication with the payment processing terminal device 800. And a predetermined communication means for connecting a communication session with a terminal (or device) to be connected, and a network communication unit 830 for connecting a predetermined communication channel with a server (eg, a payment server) on a wired or wireless network. And / or a cable communication unit 830 for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or at least one short range wireless communication means. And a short range wireless communication unit 830 for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session, and a software protocol for connecting the communication channel (or communication session) by software; And / or include a driver.

The network communication unit 830 may be a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server (for example, a payment server, etc.) on a wired or wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network. A modem or a network interface card (NIC) for accessing the wired / wireless network of the communication system; and a communication protocol and / or for allowing the payment processing terminal device 800 to access the wired / wireless network in software. This includes the driver.

The cable communication unit 830 connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit 830 includes at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), and universal serial bus (USB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means including the above, and in the hardware, the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It comprises a predetermined short-range wireless communication module for short-range wireless communication including a, and comprises a communication protocol and / or driver for the short-range wireless communication in software.

The print output unit 845 may be configured to perform predetermined functions (eg, the electronic payment processing function) of the payment processing terminal device 800 and / or predetermined information or data (eg, generated as a result). Card payment approval result, etc.) to a predetermined printing device 850 (for example, a receipt printer, etc.), and prints the printing information or data in accordance with a predefined printing form. It is preferable to include a printing protocol and a driver for printing through.

According to the exemplary embodiment of the present invention, the payment processing terminal 800 may further include a terminal function unit 835 (for example, a security application module) for performing a specific function. Application Module (SAM) is the confidentiality and / or authentication and / or integrity (Integrity) required in the process of the payment processing terminal device 800 to perform the electronic payment and / or electronic payment using the card And / or security requirements, including nonrepudiation, etc., in a secure and reliable structure within the payment processing terminal 800 without using an authentication server (or payment server, etc.) on the payment network. As a safety device for a predetermined device, the payment processing terminal device 800 is processed in a process of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). Message is encrypted or decrypted (information or data), and performs the function of storing important key information in the process of adding the authenticator for preventing forgery (or modulation) of the message, or perform the secure request function.

In general, the security application module may be composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8-bit CPU or more has a performance of 2 MIPS (Million Instructions Per Second) or more An Application Specific Integrated Circuit (ASIC) chip (eg, a PLCC 44-pin chip) and / or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)).

In addition, the security application module 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 processing terminal 800 to perform a predetermined security request function And / or a key (eg, one master key and at least one application key) and / or a protocol (eg, a transaction protocol, a retransaction protocol, a previous transaction cancellation protocol, a collection protocol, a SAM issuance protocol, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization / Reprocessing / cancellation command).

According to the exemplary embodiment of the present invention, the card payment information read out from the at least two or more customer cards in accordance with the present invention in the illustrated payment processing terminal device 800 and the agency approval target card number information stored in the memory unit 840 Comparing and comparing the settlement amount information and the settlement approval target amount information stored in the memory unit 840, at least one or more required to perform the approval process for the payment request in the payment processing terminal device (800) A functional component will be illustrated as being provided in the controller 805.

Referring to FIG. 8, the control unit 805 includes a receiving unit 855 which continuously receives card information from at least two customer cards through the card reader unit 810, and the total payment amount of the two or more items. In the case of payment processing by dividing into cards, a calculation unit 860 for calculating an individual payment processing amount for each card, and a confirmation unit for confirming whether the calculated individual payment processing amount satisfies a predetermined substitute payment approval standard amount. 865 and the payment approval unit 870 for dividing the total payment amount into the two or more cards when the individual payment processing amount satisfies a predetermined proxy payment approval amount, and processing payment approval. Characterized in that comprises a.

In addition, the controller 805 first checks whether at least two or more card information read through the card reader 810 is included in the proxy approval target card number information stored in the memory unit 840, As a result of the check, when the read card information is included in the agency approval target card number information stored in the memory unit 840, the payment amount input through the key input unit 820 and the agency previously stored in the memory unit 840 A verification unit 865 for secondly confirming whether the input payment amount satisfies an agency approval standard by comparing an approval standard amount, and the read card number is stored in the memory unit 840 as a result of the first verification. The card information and the input payment amount if the card number is not included in the previously authorized agency approval number, or if the second payment result does not satisfy the agency approval criteria Providing the information to the payment approval request processing unit, and if the input payment amount satisfies the agency approval criteria as a result of the second confirmation, providing the read card information and the input payment amount information to the payment approval unit The card provided by the information processing unit 880 is compared with the card information provided by the information processing unit 880 and the information processing unit 880 and the card black list (unusable card list) information stored in the memory unit 840. Check whether the information is included in the card blacklist (unusable card list). If the card information provided by the information processor 880 is included in the card blacklist (unusable card list), an error message is output. If the card information provided by the information processing unit 880 is not included in the card blacklist (unusable card list), the payment for the payment amount is performed. The message may be output and, by treatment in conjunction with payment authorization and the card information to be configured to further include a payment authorization unit 870 to store in a storage medium (345).

In addition, the control unit 805, when the check result of the check unit 865, the card information and payment amount information does not meet the small payment approval processing policy information, payment including the card information and payment amount information It may be configured to further include a specialized processing unit (895) for generating a full text of the approval request, and transmits to the payment approval authority server (for example, card company server, etc.) corresponding to the card information.

Here, the specialized processing unit 895 may include the at least two or more customer card information and payment amount information assigned to each customer (or customer card) in the payment approval request message.

In addition, the control unit 805, after performing the proxy approval process according to the present invention through the payment approval unit 870, the payment approval authority server corresponding to the proxy approval details of the proxy approval processing card information (for example, , Card company server, etc.) may be configured to further include a transmission unit (885).

In addition, the control unit 805, the payment limit (or usage limit) corresponding to the card information (e.g. card number, etc.) from the payment approval authority server (e.g. card company server, etc.) corresponding to the agency approval target card information. ) Further includes an information receiving unit 890 that periodically receives information or reconfirms payment limit (or usage) information corresponding to the card information (eg, card number, etc.) in association with the payment approval institution server. Can be configured.

In addition, the control unit 805 is characterized in that it is configured to further include a mode check unit 875 for confirming whether the operation mode of the payment processing terminal device 800 is a co-payment mode according to an embodiment of the present invention. .

For example, the payment processing terminal device 800 selects a divided payment mode according to an embodiment of the present invention from among a plurality of operation modes on a basic screen, and uses card information read from a card owned by each of the at least two customers. It is preferable to switch to the co-payment mode for processing the payment amount.

The receiving unit 855 may receive two or more pieces of card information continuously through the card reader unit 810, and different cards may contact the card reader unit 810 within a relatively short time. When inserted), the receiver 855 may recognize that the payment is divided for the total payment amount, and may continuously receive the two or more card information.

In addition, according to another exemplary embodiment, the receiving unit 855 continuously receiving two or more card information through the card reader unit 810, the mode of the payment processing terminal device 800 is the divided payment mode. It may be limited to the case.

The calculator 860 divides the total payment amount into two or more cards to calculate an individual payment processing amount for each card. For example, the calculator 860 After the total payment amount is input through the key input unit 820, when the number of divided payment processing target cards (or the number of divided payment processing customers) is input, an individual payment processing amount for each card may be calculated.

For example, if the total payment amount is 100,000 won, and the number of divided payment processing cards (or the number of divided payment processing customers) is five (or five), the calculating unit 860 divides the total payment amount into the divided payments. By dividing by the number of payment processing target cards (or divided payment processing customers), an individual payment processing amount for each card can be calculated.

The confirmation unit 865 first checks whether the card information read through the card reader unit 810 is included in the proxy approval target card number information stored in the memory unit 840, and as a result of the confirmation, When the read card information is included in the proxy approval target card number information stored in the memory unit 840, the payment amount (or payment amount allocated to each customer) and the memory unit 840 input through the key input unit 820. 2) confirming whether or not the input payment amount satisfies the agency approval standard by comparing the proxy approval standard amount previously stored in the package.

The information processing unit 880 may not include the read card number in the proxy approval target card number previously stored in the memory unit 840 as a result of the first confirmation by the confirmation unit 865 or the second order. As a result of the check, when the input payment amount (or payment amount allocated to each customer) does not satisfy the agency approval criterion, the readout of the read card information and the input payment amount (or payment amount allocated to each customer) is performed. If the payment information is provided to the approval request professional processing unit 895, and the input payment amount satisfies the agency approval criteria, the read card information and the input payment amount (or payment amount allocated to each customer) ) Information is provided to the payment approval unit 870.

The payment approval unit 870 performs the payment approval process based on at least two or more card information and payment amount (or payment amount allocated to each customer) provided from the information processing unit 880, In particular, the payment approval unit 870 compares at least two or more card information provided by the information processing unit 880 with card black list (unusable card list) information stored in the memory unit 840, and the information processing unit ( It is determined whether the card information provided by the 880 is included in the card blacklist (unusable card list), and as a result of the check, any one or more of the at least two or more card information provided by the information processor 880 is the card. If a black list (unusable card list) is included, a predetermined error message is output through the screen output unit 815, and as a result of the check, the information processing unit 88 If the card information provided by 0) is not included in the card blacklist (unusable card list), the payment approval message for the payment amount is output, and the payment approval details are processed in association with the at least two card information. The storage medium 345 is characterized in that the storage.

In addition, the payment approval unit 870, in conjunction with the memory unit 840 and / or information receiving unit 890, payment approval limit information corresponding to at least two or more card information provided by the information processing unit 880. And it is characterized in that further confirming whether or not the payment amount is the approval process within the confirmed payment approval limit.

9 is a diagram illustrating a process of performing a micropayment process through the payment processing terminal 800 according to another embodiment of the present invention.

In detail, FIG. 9 sequentially reads at least two or more pieces of card information from a card owned by at least two or more customers for a predetermined amount of payment in the payment processing terminal 800 shown in FIG. Calculating an individual payment processing amount for each of the cards, comparing the calculated individual payment amount with information on the proxy approval target amount stored in the memory unit 840, and performing the approval processing for the partial payment request. As an implementation method for a process performed in the terminal device 800, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 9 and the payment processing terminal shown in the drawing 8 above. Although the apparatus 800 may infer various implementation methods for the approval processing on behalf of the payment approval request, the present invention may infer all implementation methods inferred from the above. And also, it not limited to the exemplary method shown in the figure 9.

Referring to FIG. 9, the payment processing terminal device 800 may start from storing the proxy approval target reference value information in the memory unit 840 provided in the payment processing terminal device 800 (900). .

After the payment processing terminal device 800 switches the operation mode of the payment processing terminal device 800 to the partial payment processing mode in response to a customer's request for a partial payment processing (905), the payment processing terminal device 800 When card information is continuously read from the at least two customer cards, and total payment amount information is confirmed through the key input means (910), the payment processing terminal device 800 determines the individual payment processing amount for each card. It is calculated (915).

In addition, the payment processing terminal device 800 refers to the agency approval target reference amount information stored in the memory unit 840, and the calculated individual payment processing amount for each card is applied to the agency approval target reference amount information. It is determined whether the match (920).

If it is determined that the calculated individual payment processing amount for each card does not correspond to the agency approval target reference amount information (925), the payment processing terminal device 800 receives the plurality of card information and payment amount information. Comprising a payment approval request message including a (930), and transmits the configured payment approval request full text to the payment approval authority server corresponding to the plurality of card information (935) or the partial payment processing process Will end.

On the other hand, if it is determined that the calculated individual payment processing amount for each card corresponds to the agency approval target reference amount information (925), the payment processing terminal device 800 is the respective stored in the memory unit 840 The payment limit (or usage limit) corresponding to the card information is checked (940).

The payment processing terminal 800 determines whether the limit of each card is exceeded with reference to the confirmed payment limit (or usage limit) (945), where the limit of each card is exceeded. It is preferable to check whether the sum of the use amount of the card and the settlement amount exceeds the settlement limit (or usage limit) of the card.

Here, if the at least one or more cards exceed the payment limit (or usage limit) (950), the payment processing terminal device 800 is a screen provided in the payment processing terminal device 800 to exceed the payment amount limit The screen is output through the output means (955).

On the other hand, if the at least one or more cards do not exceed the payment limit (or usage limit) (950), the payment processing terminal 800 is a payment approval institution (eg card company or VAN company) corresponding to each card In operation 955, an approval process for the payment approval request is performed (955), and details of the approval processing for the payment approval request are stored in the memory unit 840 (965).

According to an embodiment of the present invention, the approval processing details are stored in association with the payment means information (eg, card number, etc.), and the approval processing details are corresponding payment approval institution server (eg, card company server). Or a VAN company server).

According to the present invention, in the case of a relatively small transaction in a credit card transaction, the card micropayment can be performed more quickly and simply than in cash by simply or omitting an authorization processing procedure and a user authentication procedure, which are required for an existing card approval. By providing the payment processing terminal device 800 for the agency approval processing, it is possible to activate the credit card micro transaction, there is an advantage that the payment process more conveniently than cash in a small number of frequent merchants.

Claims (1)

A receiving unit for receiving two or more card information consecutively; A calculation unit for dividing a total payment amount into two or more cards to calculate an individual payment processing amount for each card; A confirmation unit confirming whether the calculated individual payment processing amount satisfies a predetermined substitute payment approval standard amount; And As a result of the checking, if the individual payment processing amount satisfies the predetermined substitute payment approval standard amount, the total payment amount is divided into two or more cards to process payment approval, and as a result of the checking, the individual payment processing amount The payment processing terminal device, characterized in that it comprises a; payment approval unit for outputting the details of the payment amount limit exceeded if the predetermined amount of the agency payment approval standard.

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