KR20090000990A

KR20090000990A - System and method for settling on-line payment using card device, card device and program recording medium

Info

Publication number: KR20090000990A
Application number: KR1020070064997A
Authority: KR
Inventors: 이장혁
Original assignee: 한국정보통신서비스 주식회사
Priority date: 2007-06-29
Filing date: 2007-06-29
Publication date: 2009-01-08

Abstract

The present invention relates to an online payment method and system using a card terminal, and a card terminal and a recording medium. The online payment method using a card terminal according to the present invention includes a predetermined web terminal through a predetermined communication network. Connecting to a server and transmitting predetermined payment amount information and merchant information to the customer terminal at the web server, and providing the payment amount information and merchant information from the customer terminal to a predetermined card terminal; The card terminal reads predetermined card information from a predetermined customer card through a predetermined card reader, generates a full payment approval request message including the card information, payment amount information, and affiliated store information, and generates the payment approval request. Providing full text and predetermined bansa server information to the customer terminal; Transmitting the full payment approval request message to the bansa server through a predetermined communication network based on the information, and transmitting the full payment approval response message including a predetermined payment processing history from the bansa server, the payment from the customer terminal. Receiving the full text of the approval request to provide to the card terminal, and confirming the payment processing history contained in the payment approval request message in the card terminal to transmit to the customer terminal and the payment processing details in the customer terminal Transmitting to the web server.

Description

Online payment method and system using card terminal and card terminal and recording medium {System and Method for Settling On-line Payment using Card Device, Card Device and Program Recording Medium}

1 is a diagram showing the configuration of an online payment system using a card terminal according to an embodiment of the present invention.

2 is a view showing the functional configuration of a card terminal provided in the customer terminal for the online payment processing according to the embodiment of the present invention.

3 is a diagram illustrating a full text generation process of a card terminal for online payment processing according to an embodiment of the present invention.

4 is a diagram illustrating a full text generation process of a card terminal for online payment processing according to another embodiment of the present invention.

5 is a diagram illustrating a full text receiving process of a card terminal for online payment processing according to an embodiment of the present invention.

6 is a diagram illustrating an online payment request process according to an embodiment of the present invention.

7 is a diagram illustrating an online payment approval process according to an embodiment of the present invention.

8 is a diagram illustrating an online payment processing process according to an embodiment of the present invention.

100: web server 105: customer terminal

110: card terminal 115: bansa server

120: card company server

The present invention provides a method of transmitting a predetermined payment amount information and affiliated store information to the customer terminal when the predetermined customer terminal accesses a predetermined web server through a predetermined communication network and makes an online payment. Providing the payment amount information and the affiliated store information to a predetermined card terminal; reading predetermined card information from a predetermined customer card through a predetermined card reader at the card terminal; Generating a full payment approval request message including information, and providing the full payment approval request message and predetermined bansa server information to the customer terminal, based on the bansa server information in the customer terminal, through a predetermined communication network; Transmitting the full payment approval request message to a bansa server, and including a predetermined payment processing detail in the bansa server When the payment approval response message is transmitted, receiving the payment approval request text from the customer terminal to provide to the card terminal, and confirming the payment processing details included in the payment approval request text from the card terminal It relates to an online payment method using a card terminal comprising the step of transmitting to the customer terminal and the payment processing details from the customer terminal to the web server.

In Korea, after KEB issued Visa cards to foreign travelers in partnership with Visa International in 1978, credit cards were spread and spread based on commercial banks in early 1980, and certain card media (e.g. Card payment service that records the predetermined payment means information on the magnetic stripe (Magnetic Stripe), and processes the electronic payment based on the merchant terminal provided in each offline affiliated store by using the card medium.

Electronic payments (or card payments), which have been made based on a conventional offline merchant terminal due to the rapid development of information and communication technology, have recently been developed into online card payments using a communication network. Instead of directly using the service, a customer inputs payment means information through a predetermined key input device provided at each terminal side.

Since the online card payment is not directly using the card medium, but based on the information input through the key input device provided on each terminal side, the online card payment as well as illegal use by hacking, payment means of others The problem of fraudulent use is always present. Here, the illegal use by hacking can be prevented to some extent by using various security tools such as a public certificate and keyboard security, but it is not possible to prevent unauthorized use of payment method information of another person, whereby when and where Even if a problem occurs, it is not a big issue.

Recently, there has been proposed a method of providing a card reader on the terminal side to supplement the problem of online payment, and directly reading the payment means information from the card medium of the customer through the card reader instead of the key input device. .

However, the method using the card reader merely replaces the key input device of the conventional online payment with the card reader, and the illegal use (or through the card reader) is provided unless a separate security tool corresponding to the card reader is provided. There is almost no effect of preventing fraudulent use, and in particular, as long as the customer bears the cost of providing the card reader to the terminal, the card reader is difficult to be activated before legislation.

An object of the present invention for solving the above problems is that a customer terminal receives a predetermined payment amount information and merchant information from the web server when a predetermined customer terminal accesses a predetermined web server through a predetermined communication network and makes an online payment. And receiving the payment amount information and the affiliate store information from the customer terminal, and generating a full payment approval request message including the card information read from the predetermined customer card and the payment amount information and the affiliate store information through a predetermined card reader. And a card terminal (or a card terminal module), wherein the customer terminal transmits the full payment approval request message to a predetermined bansa server through a predetermined communication network, and the predetermined payment processing is performed at the bansa server. When the payment approval response message including the details is transmitted, the payment terminal receives the payment approval request message. Characterized in that it is provided to the card terminal, the card terminal (or card terminal module), the online payment settlement system using the card terminal as the customer terminal to check the payment processing details contained in the full payment approval request request In providing.

In the online payment settlement method using a card terminal according to the present invention, when a predetermined customer terminal accesses a predetermined web server through a predetermined communication network and makes an online payment, the predetermined payment amount information and merchant information are received from the web server. Transmitting to the terminal, providing the payment amount information and the merchant information from the customer terminal to a predetermined card terminal, and receiving the predetermined card information from a predetermined customer card through a predetermined card reader at the card terminal. Generating a payment approval request message including the card information, payment amount information, and merchant information, and providing the payment approval request message and predetermined bansa server information to the customer terminal; Transmitting the full text of the payment approval request to the bansa server through a predetermined communication network based on bansa server information; When the Bansa server transmits a payment approval response message including a predetermined payment processing history, receiving the payment approval request message from the customer terminal to provide to the card terminal, and the payment approval request message from the card terminal Confirming the payment processing details included in the transmission to the customer terminal and transmitting the payment processing details from the customer terminal to the web server.

The online payment method using a card terminal according to the present invention, characterized in that the web server further comprises the step of confirming the validity of the payment processing details in connection with the bansa server.

On the other hand, it includes a recording medium recording a program for executing the online payment method using the above-described card terminal.

On the other hand, the online payment system using a card terminal according to the present invention, when a predetermined customer terminal is connected to a predetermined web server through a predetermined communication network to make an online payment, the predetermined payment amount information and merchant information from the web server Receiving a customer terminal and the payment amount information and merchant information received from the customer terminal, a payment approval request including card information, payment amount information and merchant information read from a predetermined customer card through a predetermined card reader And a card terminal (or a card terminal module) for generating a full message. The client terminal transmits the full text of the payment approval request to a predetermined bansa server through a predetermined communication network, and at the bansa server. If the payment approval response message including a predetermined payment processing history is transmitted, the payment is approved by the customer terminal. And receiving the request message and providing the message to the card terminal, wherein the card terminal (or card terminal module) checks the payment processing history included in the payment approval request message and transmits it to the customer terminal. It is done.

On the other hand, the card reader unit for reading card information from a predetermined customer card according to the present invention, and the communication unit for connecting a communication session via a predetermined customer terminal and bus communication (or cable communication or short-range wireless communication). A card terminal comprising: a card information reader unit for reading predetermined card information from a predetermined customer card in association with the card reader unit, and predetermined payment amount information and merchant information from the customer terminal in connection with the communication unit; An information receiving unit for receiving a message, a full text generation unit for generating a predetermined payment approval request message including the read card information, the received payment amount information, and merchant information, and the payment approval request generated in connection with the communication unit; Specialized transmission unit for transmitting the full text and predetermined bansa server information to the customer terminal, and predetermined payment from the customer terminal Characterized in that it comprises a specialized receiving unit for receiving the payment approval result full text including the processing details, and a specialized processing unit for extracting a predetermined payment processing details from the payment approval result full text to provide to the customer terminal through the communication unit. .

The card terminal according to the present invention, the encryption processing unit for encrypting the payment approval request full text generated by the full text generation unit by a predetermined encryption method, or decrypts the payment approval result full text received through the full text receiving unit. It is characterized by further comprising.

On the other hand, it includes a recording medium on which a program for realizing the functional configuration of the above-described card terminal is recorded.

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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto.

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 configuration of an online payment system using a card terminal 110 according to an embodiment of the present invention.

In more detail, FIG. 1 reads predetermined card information from a customer card having a card medium (eg, a magnetic stripe or an integrated circuit chip) that stores at least one card information. After generating a predetermined payment approval request full text including the card information, payment amount information, and merchant information, the generated payment approval request full text through the communication function provided on the predetermined customer terminal 105 side of the bansa server ( An online payment system configuration using a card terminal 110 (or a card terminal module) characterized in that the transmission to 115, if the person skilled in the art to which the present invention pertains, Figure 1 By referring to and / or modified to infer various implementation methods for the online payment system configuration using the card terminal 110, the present invention is inferred Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 1.

For example, FIG. 1 illustrates that the card terminal 110 (or card terminal module) is provided as an external type in which a communication session is connected to a predetermined customer terminal 105 through a predetermined cable communication. The present invention is not limited in any way, and the card terminal 110 (or card terminal module) is integrally provided with the customer terminal 105 (eg, the main board and the bus BUS of the customer terminal 105). Or a card reader included in the card terminal 110 as an external type, and provides a professional generation / encryption function of the card terminal 110 (or card terminal module). It is possible to be provided inside the customer terminal 105 (for example, in the form of a PCI card mounted in the internal slot of the customer terminal 105), the present invention comprises all the above implementation method It features.

According to an embodiment of the present invention, the online payment settlement system using the card terminal 110 provides at least one web browsing service through a predetermined communication network, predetermined payment amount information and merchant information according to the web browsing. Card terminal for reading the predetermined card information from the predetermined customer card and at least one or more web server 100 for providing a predetermined payment approval request including the card information, payment amount and merchant information ( 110 (or a card terminal module) and a predetermined payment amount information and merchant information received from the web server 100 through a predetermined communication network and provided to the card terminal 110, the card through a predetermined communication network The customer terminal 105 for transmitting the full payment approval request generated by the terminal 110 to the bansa server 115, and from the customer terminal 105 through the communication network Receive the payment approval request full text, check the card company server 120 to process the payment approval request based on the card information included in the received payment approval request full text, and the payment to the card company server 120 Bansa server 115 for relaying and transmitting the card information, payment amount information and merchant information included in the authorization request full text, and at least one card company server for performing the payment approval procedure using the card information, payment amount information and merchant information ( 120) characterized by comprising.

The web server 100 connects at least one or more customer terminals 105 and a web browsing based communication channel according to a Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in a predetermined communication network, and the customer through the communication channel. Hyper-Text Markup Language (HTML) compatible document (for example, * .html, * .htm, * .asp. * .Jsp, * .xml, * .wml, etc.) with a predetermined web browser provided in the terminal 105 By providing a, characterized in that it comprises all kinds of online merchant server to provide at least one or more web browsing services (eg, Internet shopping service) to the customer terminal 105.

Those skilled in the art to which the present invention pertains, the web server 100 is familiar with the technical features of providing a web browsing service to at least one customer terminal 105 based on the HTTP compatible protocol Since there will be, a detailed description thereof will be omitted for convenience.

In addition, the web server 100 according to the request of the customer terminal 105 of the web browsing service to the customer terminal 105 via the communication channel, the predetermined payment amount information and merchant information (eg, online merchant information) It is characterized by providing).

The card terminal 110 (or card terminal module) is characterized in that it comprises a predetermined card reader, a predetermined for payment processing from a predetermined customer card (for example, MS card, or IC card) through the card reader It is characterized in that reading the card information.

According to the method of the present invention, it is preferable that the card terminal 110 (or the card terminal module) does not provide the read card information to the customer terminal 105 as it is.

In addition, the card terminal 110 (or card terminal module) connects the predetermined communication session with the customer terminal 105, and from the predetermined web server 100 from the customer terminal 105 through the communication session Characterized in that the received payment information and merchant information.

In addition, the card terminal 110 (or card terminal module) is a predetermined card information is read from a predetermined customer card through the card reader, the payment amount information and merchant information is provided from the customer terminal 105 In this case, it is characterized in that for generating the full payment approval request message including the card information, payment amount information and merchant information.

According to an embodiment of the present invention, the card terminal 110 (or card terminal module) preferably encrypts the generated payment approval request message to be decrypted by the bansa server 115, wherein the encryption scheme and encryption The algorithm can be variously applied according to the intention of those skilled in the art, and the present invention is not limited thereto.

In addition, the card terminal 110 (or card terminal module) is a payment approval request full text including the card information, payment amount information and merchant information is generated, the payment approval request full text through the communication session to the customer terminal By providing to the 105, characterized in that for transmitting the full payment approval request message to a predetermined bansa server 115 through a communication network connected to the customer terminal 105.

The customer terminal 105 is characterized in that the communication session is connected via the card terminal 110 (or card terminal module) and the cable communication (or short-range wireless communication, bus communication, etc.), the communication session connection method The card terminal 110 (or card terminal module) is an external card terminal for connecting a communication session with the customer terminal 105 through the external type of the customer terminal 105 (eg, the cable communication or the local area communication). 110 (or a card terminal module)), or a built-in type (e.g., a built-in card terminal 110 (or card terminal module) connecting a communication session with the customer terminal 105 via the bus communication), or a hybrid Type (e.g., a predetermined card reader is externally connected to the customer terminal 105 via the cable communication or short-range communication, and the professional generation / encryption function is connected to the customer terminal 105 through bus communication). Connected type) can be provided as such.

In addition, the client terminal 105 is connected to at least one web server 100 and a communication channel for web browsing through a predetermined communication network, access to the web server 100 through the communication channel It receives a variety of web browsing services such as Internet shopping, and receives a predetermined payment amount information and merchant information from the web server 100 through the communication channel.

In addition, the customer terminal 105 is characterized in that for connecting the communication channel for professional transmission and reception with a predetermined bansa server 115 through a predetermined communication network, the card terminal 110 (or card through the communication channel) The terminal transmits a predetermined payment approval request text generated in the terminal module to the bansa server 115 and receives a payment approval result message including a payment processing history corresponding to the payment approval request text from the bansa server 115. Characterized in that.

When the payment approval result full text is received, the customer terminal 105 outputs the payment processing details included in the payment approval result full text. The web server may display the payment processing detail information according to the intention of a person skilled in the art. It is preferable to further include transmitting to (100).

According to an embodiment of the present invention, the customer terminal 105 includes at least one wired terminal connected to a Transmission Control Protocol / Internet Protocol (TCP / IP) wired communication network, or code division multiple access (CDMA) / WCDMA (Wide-CDMA) based wireless communication network, or an IEEE 802.11x-based wireless communication network, or a wireless terminal (not shown) connected to any one of the IEEE 802.16x-based wireless communication network preferably comprises at least one, It is preferable to include at least one or more of a fixed terminal such as a desktop computer including the communication function, a semi-fixed terminal such as a laptop, or a portable terminal capable of carrying / moving.

The bansa server (115) is characterized in that for receiving the payment approval request full text from the customer terminal 105 through the communication network, if the payment approval request full text is encrypted, decrypt the encrypted payment approval request full text Characterized in that.

Further, the bansa server 115 reads predetermined BIN (Bank Identification Number) information corresponding to the card information included in the received payment approval request text, and performs a payment approval procedure corresponding to the payment approval request text. It is characterized by checking the card company server 120.

When the card company server 120 is confirmed, the bansa server 115 relays card information, payment amount information, and merchant information included in the full payment approval request message to the card company server 120 through a predetermined dedicated network. Characterized in that, the card company server receives a predetermined payment processing history including the payment approval result using the card information, payment amount information and merchant information from the card company server 120, the predetermined payment approval result including the payment processing history It generates a full text and transmits to the customer terminal 105.

According to the embodiment of the present invention, the bansa server 115 preferably further comprises transmitting the payment processing history information to the web server 100 corresponding to the merchant information according to the intention of the skilled person.

The card company server 120 receives the card information, the payment amount information and the merchant information from the bansa server 115, and the payment approval validity for processing the payment amount through the customer card corresponding to the card information It is characterized by checking.

In the technical field to which the present invention pertains, technical features for checking the validity of payment approval for the payment amount according to the payment means (for example, credit card, check card, etc.) corresponding to the card information. Since it will be understood, detailed description thereof will be omitted for convenience.

If the payment approval validity is confirmed, it is preferable that the card company server 120 generates a payment processing history including predetermined payment approval information and transmits it to the bansa server 115.

On the other hand, if the payment approval validity is not confirmed, the card company server 120 preferably generates a payment processing history including the predetermined payment error information and transmits to the bansa server 115.

2 is a diagram showing the functional configuration of the card terminal 110 provided in the customer terminal 105 for the online payment processing according to the embodiment of the present invention.

In more detail, Figure 2 relates to an embodiment of the card terminal 110 for the online payment service using the customer terminal 105, if one of ordinary skill in the art to which the present invention belongs, this figure By referring to and / or modifying 2, it is possible to infer various functionalities of the card terminal 110 for the online payment service using the customer terminal 105, but the technical features of the present invention are limited by this figure 2. Rather, it is to be understood that the inference includes all implementation methods.

Referring to FIG. 2, the card terminal 110 for the online payment service using the customer terminal 105 basically includes a control unit 205, a memory unit 250, a card reader unit 210, a communication unit 230, and the like. It comprises a security application module 235 and a power supply unit 225 for supplying power to the card terminal 110, the key input unit 220, the screen output unit 215 and the print output unit according to the intention of those skilled in the art 240 may be further included, wherein the power supply unit 225 is provided with a separate power supply device to supply power, or in conjunction with the communication unit 230 from the customer terminal 105 It is possible to be supplied with power or to be provided with a predetermined battery, thereby the present invention is not limited.

The control unit 205 controls the overall operation of the card terminal 110 in the functional configuration, manages the flow of information or data between each component, the card terminal (for the online payment processing using the customer terminal 105) At least one processor and an execution memory (for example, a hardware including a Central Processing Unit (CPU) / MPU (Micro Processing Unit)) and interworking and controlling at least one component provided in the 110; A register and / or a RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and a predetermined device for performing a function specific to the card terminal 110 in software. Predetermined program routines and / or program daemons which are loaded from the lock medium into the execution memory and computed by the processor A predetermined program recorded on a recording medium provided in the card terminal 110 and / or a function provided in the card terminal 110 for an online payment processing using the customer terminal 105. In the configuration, the components that can be processed by software are shown in the control unit 205).

According to the exemplary embodiment of the present invention, the control unit 205 outputs the components (for example, the memory unit 250, the card reader unit 210, the key input unit 220, and the screen output) provided in the card terminal 110. The card terminal 110 by interworking with the communication unit 230, the communication unit 230, the security application module 235 and the print output unit 240 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art. Controlling and managing providing the electronic payment service defined in the above, as well as interworking control of the components provided in the card terminal 110 for an online payment service using the customer terminal 105 according to the present invention. Or / or to execute a program recorded on a recording medium provided in the card terminal 110 for an online payment service using the customer terminal 105.

The memory unit 250 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the card terminal 110 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and program data required for the control unit 205 to perform a predetermined control function (for example, data input or output for the program routine to perform a predetermined function) ) Is stored.

According to an embodiment of the present invention, the memory unit 250 preferably stores terminal-specific information, and according to the intention of a person skilled in the art, the terminal-specific information is a predetermined payment approval generated in the card terminal 110. It is possible to be included in the entire request, and the present invention is not limited thereby.

In addition, the memory unit 250 may store predetermined bansa server information to transmit the full payment approval request generated in the card terminal 110 in the customer terminal 105 via a predetermined communication network.

Further, when the memory unit 250 includes predetermined payment approval information in the payment processing details included in the payment approval result message received through the customer terminal 105 in response to the payment approval request text, the It is preferable that a predetermined history storage area for storing payment processing details is provided.

The customer who receives the online payment service using the customer terminal 105 according to the present invention through the card terminal 110, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC Have (or own) a contact IC card (or wireless IC chip) based on the 7816 standard and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader unit 210 may provide an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader unit 210 is an MS reader unit for providing an interface between the MS card and the card terminal 110, and / or the contact IC card and the card terminal 110. And a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the card terminal 110.

The MS reader unit is a card reader unit 210 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the card terminal 110 from at least one or more tracks provided in the MS of the MS card using the loading.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) The card terminal 110 is characterized in that the interface.

The contactless IC reader part is a card reader part 210 based on ISO / IEC 14443. The contactless IC reader part uses at least electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It comprises one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and predetermined information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the terminal (110).

According to an embodiment of the present invention, the card reader unit 210 may provide predetermined card information (for example, a card) from at least one or more card reader units 210 for the electronic payment service defined in the card terminal 110. It is preferable to read the payment means information corresponding to the payment means, including at least one provided credit card, check card, debit card, cash card, financial account, and also using the customer terminal 105 according to the present invention It is desirable to read certain card information from at least one card for an online payment service.

According to the method of the present invention, the card information preferably comprises a predetermined card number corresponding to the payment means provided in the customer card, the card issuer information (for example, card issuer number (or code) )), Card type information (e.g., a card identification number (or code)) and expiration date information (some may be omitted) for the customer card.

The key input unit 220 is provided with at least one key button including at least one number key and / or character key and / or function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the card terminal 110 controlled by the controller 205. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 205. The control unit 205 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the card terminal 110 and / or defines a predetermined defined match with the key event. And obtaining a command to execute a function. The key input unit 220 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the card terminal 110.

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

According to the exemplary embodiment of the present invention, the key input unit 220 uses the key input unit 220 when the key input device provided in the customer terminal 105 is used as the key input unit of the card terminal 110. The card terminal 110 may be omitted, and thus the present invention is not limited thereto.

The screen output unit 215 may be a liquid crystal display (LCD) and / or a CRT (or LCD) by the controller 205 while the card terminal 110 performs a predetermined function (for example, an electronic payment processing function). And at least one information or data that is predefined or defined in real time to be output to a predetermined output device including a Cathode Ray Tube) through a predefined interface screen, wherein the screen output unit 215 ) And the screen output device interoperate with each other to perform the function of the screen output means provided in the card terminal 110.

Predefined information or data to be output from the card terminal 110 to the screen output device may be key data input through the key input unit 220 and / or components provided in the card terminal 110. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication unit 230, and / or information (or data) corresponding to a predetermined operation result performed by the card terminal 110. It comprises at least one.

According to the exemplary embodiment of the present invention, when the screen output unit 215 uses the screen output device provided in the customer terminal 105 as the screen output means of the card terminal 110, the screen output unit 215 ) May be omitted in the card terminal 110, and the present invention is not limited thereto.

The communication unit 230 is the customer terminal 105 via a predetermined bus (BUS) in the process of the card terminal 110 performs a predetermined function (for example, an online payment function using the customer terminal 105). Or a cable communication unit 230 for connecting a communication session with the customer terminal 105 through a predetermined cable communication port, or at least one local area. And a short range wireless communication unit 230 for connecting a predetermined communication session with the customer terminal 105 through wireless communication means, and a communication protocol for connecting the communication channel (or communication session) by software. And / or include a driver.

The bus communication unit 230 connects the bus communication session with the customer terminal 105 through a bus interface on the PCB or a cable based bus interface, and includes the bus communication interface in hardware. In software, it comprises a communication protocol and / or a driver for the bus communication.

The cable communicator 230 connects a cable communication session with a predetermined customer terminal 105 through a predetermined cable communication (eg, RS-232c, USB (Universal Serial Bus)). 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 230 includes at least infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Ui-Fi), and UWB (Ultra Wide Band system). It characterized in that connecting the predetermined customer terminal 105 and the short-range wireless communication session through at least one or more short-range wireless communication means comprising one or more, the hardware, the infrared communication, RF communication, Bluetooth, WLAN, WiFi, And a predetermined short range wireless communication module for short range wireless communication including UWB, and includes a communication protocol and / or driver for the short range wireless communication in software.

The Secure Application Module (235) is a confidentiality and / or authentication required by the card terminal 110 in the process of performing the electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, etc., in a secure and reliable structure within the card terminal 110 without using the customer terminal 105. As a safety device for the device, the card terminal 110 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function), Adding an authenticator that prevents the forgery (or tampering) of the message, or performing the function of storing important key information in the process of performing the security request function. It features.

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

In addition, the security application module 235 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the card terminal 110 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, 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).

The print output unit 240 may process the card terminal 110 to perform a predetermined function (eg, an electronic payment processing function) and / or predetermined information or data (eg, payment processing result information) generated as a result. Or data) to a predetermined printing apparatus (for example, a receipt printer), and includes a printing protocol and a driver for printing the printing information or data through the printing apparatus in accordance with a predefined printing form. It is done by

According to the exemplary embodiment of the present invention, the print output unit 240 uses the printing device provided in the customer terminal 105 as the print output unit of the card terminal 110, and the print output unit 240. It can be omitted that the card terminal 110 is provided, by which the present invention is not limited.

Referring to FIG. 2, the card terminal 110 is provided from a predetermined customer card in association with the card reader 210 to provide an online payment service using the customer terminal 105 according to the present invention. A card information reader unit 255 for reading card information, an information receiver 260 for receiving predetermined payment amount information and affiliated store information from the customer terminal 105 in connection with the communication unit 230, and the read A customer generation unit 265 for generating a predetermined payment approval request message including card information, the received payment amount information, and merchant information, and the generated payment approval request message in connection with the communication unit 230; By providing to the terminal 105, the specialized transmission unit for processing to transmit the full text of the payment approval request from the customer terminal 105 to a predetermined bansa server through a predetermined communication network, and the bansa server in the When the payment approval result message corresponding to the payment approval request message is transmitted to the terminal 105, a text receiving unit 280 for receiving the payment approval result message from the customer terminal 105 and the payment approval result message from the message. And a specialized processing unit 285 for extracting a predetermined payment processing details and providing the predetermined payment processing details to the customer terminal 105 through the communication unit 230, and generated by the professional generating unit 265. An encryption processing unit 275 that encrypts the payment approval request text in a predetermined encryption method or decrypts the encrypted payment approval result text when the text of the payment approval result received through the text receiving unit 280 is encrypted. It characterized by comprising a.

The card information reader 255 reads predetermined payment target card information from a predetermined customer card in connection with the card reader 210 for an online payment service using the customer terminal 105. do.

According to an exemplary embodiment of the present invention, if the customer card is an MS card, the card information reader 255 preferably reads predetermined card information from the customer card through the MS reader of the card reader 210. Do.

According to another exemplary embodiment of the present invention, if the customer card is an IC card, the card information reader unit 255 inputs a predetermined PIN (Personal Identification Number) to the customer terminal 105 in association with the communication unit 230. When outputting an interface, and predetermined PIN information is input from the customer terminal 105, the PIN information is received in association with the communication unit 230 to the customer card through the IC reader unit of the card reader unit 210. After providing the PIN authentication procedure, it is preferable to read predetermined card information from the customer card through the IC reader unit.

When the customer terminal 105 receives a web browsing service by accessing at least one web server through a predetermined communication network and receives predetermined payment amount information and merchant information from the web server, the information receiving unit 260 In connection with the communication unit 230 is characterized in that for receiving the payment information and merchant information received from the web server from the customer terminal 105.

According to another exemplary embodiment of the present invention, the payment amount information and the affiliated store information may not be received from the web server, but may be keyed through a predetermined key input device provided in the customer terminal 105. The present invention is not limited.

When the predetermined card information is read through the card information reader unit 255 and the payment amount information and the affiliated store information are received from the customer terminal 105 through the information receiving unit 260, the full text generation unit 265 is provided. ) Generates a predetermined payment approval request message including the read card information, the received payment amount information, and the affiliated store information.

According to the implementation method of the present invention, the payment approval request message is predetermined terminal-specific information provided in the card terminal 110, a predetermined slip serial number assigned to the payment approval request message in the card terminal 110, etc. It is preferable that the at least one further comprises.

In addition, the payment approval request text is not generated in the offline merchant terminal, the payment approval request text in the bansa server, in addition to the transaction items (eg, credit transactions) corresponding to the card information, the customer terminal 105 It is preferable to further comprise a predetermined identification item for identifying that the generated card terminal 110 provided.

When the payment approval request message is generated by the message generation unit 265, the encryption processing unit 275 may encrypt the payment approval request message through at least one encryption method and an encryption algorithm.

The specialized transmission unit transmits the generated (or encrypted) payment approval request full text to the customer terminal 105 in association with the communication unit 230, and transmits the payment approval request full text to the customer terminal 105. In the transmission to), by further including the bansa server information in the payment approval request full text, the customer terminal 105 is characterized in that the processing to transmit the payment approval request full text to the bansa server.

Subsequently, when the payment approval result text including the payment processing details corresponding to the payment approval request text is received from the bansa server through the communication network to the customer terminal 105, the text receiving unit 280 is the communication unit 230. In response to the) characterized in that for receiving the full payment approval result from the customer terminal 105.

When the payment approval result text received through the full text receiver 280 is encrypted using at least one encryption method, the encryption processing unit 275 decrypts the encrypted payment approval result text at least one or more corresponding to the encryption method. It is preferable to perform the decoding process by the method and the decoding algorithm.

When the payment approval result text is received (or decrypted) through the text receiving unit 280, the text processing unit 285 extracts the payment processing history included in the payment approval result text and pays the payment processing history. It is characterized by checking whether the authorization information or payment error information is included.

If predetermined payment approval information is included in the payment processing history information, the specialized processing unit 285 preferably stores the payment processing history in a predetermined history storage area provided in the memory.

When the payment processing details are extracted from the full payment approval result, the specialized processing unit 285 transmits the extracted payment processing details to the customer terminal 105 in connection with the communication unit 230, After that, the customer terminal 105 preferably outputs (or prints) the payment processing details or transmits the payment to the web server through a predetermined communication network.

3 is a diagram illustrating a full text generation process of the card terminal 110 for the online payment processing according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a connection between a customer terminal 105 shown in FIG. 1 and a predetermined communication session in the card terminal 110 shown in FIG. 2, and then a predetermined payment from the customer terminal 105. When the amount of money information and merchant information is received, the predetermined card information is read from a predetermined customer card through a predetermined card reader, and a predetermined payment approval request text including the card information, payment amount information, and merchant information is generated. As a process, specifically, when the customer card comprises an MS card, it shows an implementation method for generating a full payment approval request message including the card information read from the MS card in the card terminal (110). .

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 3 to infer various implementation methods for the full text generation process of the card terminal 110 for the online payment processing. Although there will be, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the card terminal 110 receives predetermined payment amount information and affiliated store information from the customer terminal 105 and then reads predetermined card information from the customer card through the card reader. Although illustrated and illustrated, the present invention is not limited to the above procedure, and it is apparent that the steps can be modified / modified according to the intention of the skilled person.

In addition, FIG. 3 illustrates that the card terminal 110 encrypts the full payment approval request message according to at least one encryption method and an encryption algorithm. According to the intention of a person skilled in the art, the encryption process is performed by the customer terminal. It may be carried out at 105 or omitted, and the present invention is not limited thereby.

Referring to FIG. 3, the card terminal 110 connects a predetermined communication session with the customer terminal 105 through at least one of bus (BUS) communication, cable communication, short range wireless communication (300), Through the communication session, it is checked whether predetermined payment amount information and merchant information are received from the customer terminal 105 (305).

According to one embodiment of the invention, the payment information and merchant information is preferably received from a web server connected to the customer terminal 105 through a predetermined communication network.

According to another exemplary embodiment of the present invention, the payment amount information and the affiliated store information may be input through a predetermined key input device provided in the customer terminal 105, and thus the present invention is not limited thereto.

If the payment amount information and merchant information is received from the customer terminal 105 through the communication session (310), the card terminal 110 reads a predetermined customer card to the customer terminal 105 through the communication session. A request message is output, and it is checked whether a predetermined customer card (eg, an MS card) is read through the card reader (320).

If a predetermined customer card is read through the card reader (325), the card terminal 110 reads predetermined card information from the customer card through the card reader (330).

According to the method of the present invention, the card information preferably comprises a predetermined card number corresponding to the payment means provided in the customer card, the card issuer information (for example, card issuer number (or Code)), card type information (e.g., a card identification number (or code)), and expiration date information (some may be omitted) for the customer card.

Thereafter, the card terminal 110 generates a predetermined payment approval request text including the card information, payment amount information, and merchant information (335).

If the payment approval request text is generated (340), the card terminal 110 encrypts the payment approval request text with at least one encryption method and encryption algorithm (345).

According to an embodiment of the present invention, at least one encryption key for encrypting the full payment approval request is preferably provided in the security application module 235 provided in the card terminal 110.

If the payment approval request text is encrypted (350), the card terminal 110 transmits the payment approval request text and bansa server information to the customer terminal 105 through the communication session (355), corresponding The client terminal 105 connects a communication channel for professional transmission and reception with the bansa server through a predetermined communication network, and transmits the full text of the payment approval request to the bansa server through the communication channel.

4 is a diagram illustrating a full text generation process of the card terminal 110 for the online payment processing according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a connection between a customer terminal 105 shown in FIG. 1 and a predetermined communication session in the card terminal 110 shown in FIG. 2, and then a predetermined payment from the customer terminal 105. When the amount of money information and merchant information is received, predetermined card information is read from a predetermined customer card through a predetermined card reader, and a predetermined payment approval request text including the card information, payment amount information, and merchant information is generated. As a process for doing this, specifically, when the customer card includes an IC card, the card terminal 110 illustrates a method for generating a payment approval request full text including card information read from the IC card. will be.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 4 to infer various implementation methods for the full text generation process of the card terminal 110 for the online payment processing. Although there will be, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 4, after receiving predetermined payment amount information and merchant information from the customer terminal 105 in the card terminal 110, the predetermined card information is read from the customer card through the card reader. Although illustrated and illustrated, the present invention is not limited to the above procedure, and it is apparent that the steps can be modified / modified according to the intention of the skilled person.

In addition, FIG. 4 illustrates that the card terminal 110 encrypts the entire payment approval request message according to at least one encryption method and an encryption algorithm. The encryption process is performed by the customer terminal according to the intention of a person skilled in the art. It may be carried out at (105) or omitted, and the present invention is not limited thereby.

Referring to FIG. 4, the card terminal 110 connects a predetermined communication session with the customer terminal 105 through at least one of bus (BUS) communication, cable communication, short range wireless communication (400), Through the communication session, it is determined whether predetermined payment amount information and affiliated store information are received from the customer terminal 105 (405).

If the payment amount information and merchant information is received from the customer terminal 105 through the communication session (410), the card terminal 110 inserts a predetermined customer card into the customer terminal 105 through the communication session. The request message is output and it is checked whether a predetermined customer card (eg, an IC card) is inserted through the card reader (420).

If a predetermined customer card is read through the card reader (425), the card terminal 110 outputs a predetermined PIN input interface to the customer terminal 105 through the communication session, and the customer terminal 105 In step 430, it is determined whether predetermined PIN information inputted from the PIN input interface is received.

If predetermined PIN information is received from the customer terminal 105 (435), the card terminal 110 provides the PIN information to the customer card (eg, IC card) through the card reader, the IC The card-based PIN authentication procedure is performed (440).

If the PIN authentication fails (445), the card terminal 110 transmits and outputs predetermined PIN authentication error information to the customer terminal 105 through the communication session (450), the card terminal 110 To complete the online payment process.

On the other hand, if the PIN authentication is successful (445), the card terminal 110 reads the predetermined card information from the customer card through the card reader (455).

Thereafter, the card terminal 110 generates a predetermined payment approval request text including the card information, payment amount information, and merchant information (460).

If the payment approval request text is generated (465), the card terminal 110 encrypts the payment approval request text with at least one encryption method and encryption algorithm (470).

If the payment approval request text is encrypted (475), the card terminal 110 transmits the payment approval request text and bansa server information to the customer terminal 105 through the communication session (480), corresponding The client terminal 105 connects a communication channel for professional transmission and reception with the bansa server through a predetermined communication network, and transmits the full text of the payment approval request to the bansa server through the communication channel.

5 is a diagram illustrating a full-text receiving process of the card terminal 110 for the online payment processing according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a predetermined process through the communication session from the customer terminal 105 after performing the full text generation process illustrated in FIG. 3 or 4 in the card terminal 110 shown in FIG. When the payment approval result text including the payment processing details is provided, the card terminal 110 extracts the payment processing details from the payment approval result text and provides it to the customer terminal 105 through the communication session. As a person skilled in the art to which the present invention pertains, various implementation methods for the professional reception process of the card terminal 110 for the online payment processing by referring to and / or modifying the drawing 5 will be described. It may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG. Should you.

For example, FIG. 5 includes a process of confirming whether the payment approval result text provided from the customer terminal 105 is encrypted in the card terminal 110. The payment approval result text is always encrypted or always. When decrypted in the customer terminal 105, the encryption confirmation process can be omitted, thereby the present invention is not limited.

In addition, in FIG. 5, when payment approval information is included in the payment processing details included in the full payment approval result in the card terminal 110, the memory unit provided with the payment processing details in the card terminal 110 ( And a process of storing the payment processing history, which can be omitted according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

Referring to FIG. 5, after performing the full text generation process illustrated in FIG. 3 or FIG. 4 in the card terminal 110 shown in FIG. 2, the card terminal 110 connects the customer terminal through the communication session. It is checked whether the full text of the predetermined payment approval result is received from 105 (500).

If the payment approval result text is received from the customer terminal 105 (505), the card terminal 110 checks whether the payment approval result text is transmitted from the bansa server (510).

If the payment approval result text is not encrypted (515), the card terminal 110 extracts a predetermined payment processing details from the payment approval result text (530).

On the other hand, if the payment approval result text is encrypted (515), the card terminal 110 decrypts the payment approval result text through at least one decryption method and decryption algorithm corresponding to the encryption method processed by the bansa server. (520).

According to an embodiment of the present invention, at least one decryption key for decrypting the full text of the payment approval result is preferably provided in the security application module 235 provided in the card terminal 110.

If the payment approval result full text is decoded (525), the card terminal 110 extracts a predetermined payment processing details from the decoded payment approval result full text (530).

Thereafter, the card terminal 110 reads the payment processing details and checks whether the payment processing corresponding to the full payment approval request is approved (535).

If the payment approval is confirmed (540), the card terminal 110 stores the payment processing details in the memory unit 250 (545).

If the payment approval is not confirmed (540) or after the payment processing history of the payment approval is confirmed in the memory unit 250 (545), the card terminal 110 is the payment processing through the communication session The details are transmitted to the customer terminal 105 (550), and correspondingly, the customer terminal 105 outputs (or prints out) the payment processing details or transmits the details to the web server through a predetermined communication network. Send payment processing details.

In more detail, FIG. 6 shows the third or fourth embodiment of the card terminal 110 shown in FIG. 2 in the customer terminal 105 on the online payment system using the card terminal 110 shown in FIG. This is a process for transmitting a predetermined payment approval request text generated through the full text generation process shown in FIG. 1 to the bansa server shown in FIG. 1, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modifying 6, various implementation methods for the online payment request process may be inferred, but the present invention includes all the implementation methods inferred, and only with the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 6, the customer terminal 105 on the online payment settlement system using the card terminal 110 shown in FIG. 1 connects to a predetermined web server through a predetermined communication network to connect a communication channel, and the communication. At least one web browsing service (eg, internet shopping, etc.) provided by the web server is processed through the channel (600).

Those skilled in the art to which the present invention pertains, since the web server can infer various implementation methods for providing at least one or more web browsing services to the customer terminal 105, a detailed description thereof Omit for convenience.

While processing the web browsing service, the customer terminal 105 confirms with the web server whether a predetermined online card payment is processed (605).

If it is confirmed that the online card payment is processed (610), the customer terminal 105 requests the predetermined payment information for the online card payment to the web server through the communication channel (615), corresponding The web server transmits predetermined payment amount information and merchant information for the online card payment processing to the customer terminal 105 through the communication channel (620).

Thereafter, the customer terminal 105 connects a communication session with the card terminal 110 through at least one or more communication among a bus (BUS) communication, a cable communication, and a short range wireless communication (625), and through the communication session. After providing the payment amount information and merchant information to the card terminal 110 (630), as shown in the full-text creation process of the card terminal 110 shown in FIG. 3 or 4 through the communication session In connection with the card terminal 110, a predetermined payment approval request full text generation procedure is performed (635), and the card terminal 110 of the card terminal 110 shown in FIG. 3 or 4 from the card terminal 110 through the communication session. In operation 640, a predetermined payment approval request message and bansa server information generated through the full text generation process are received.

If the payment approval request message and the bansa server information are received from the card terminal 110 (645), the customer terminal 105 at least with the bansa server through a predetermined communication network based on the received bansa server information Connect a communication channel for one or more professional transmission and reception (650).

If the bansa server and the communication channel for the professional transmission and reception is connected (655), the customer terminal 105 transmits the full text of the payment approval request to the bansa server through the communication channel (660).

In more detail, Figure 7 is a predetermined payment approval through the online payment request process shown in Figure 6 in conjunction with the card terminal 110 shown in Figure 2 in the customer terminal 105 shown in Figure 1 When the request message is generated and transmitted to the bansa server shown in FIG. 1, the bansa server performs a payment approval procedure corresponding to the full payment approval request message in connection with a predetermined card company server, and then the corresponding payment processing details. The process of generating a payment approval result including a full text message is transmitted to the customer terminal 105, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the online payment approval process may be inferred, but the present invention includes all the implementation methods inferred above, It is not limited that the technical features of only the exemplary method shown.

Referring to FIG. 7, a predetermined payment approval request is made through the online payment settlement request process shown in FIG. 6 in connection with the card terminal 110 shown in FIG. 2 in the customer terminal 105 shown in FIG. When the full text is generated and transmitted to the bansa server illustrated in FIG. 1, the bansa server receives the payment approval request message from the customer terminal 105 through the communication channel (700), and receives the received payment approval request. The decoding process for the full text is performed (705).

If the payment approval request text is decrypted (710), the bansa server extracts the card information, payment amount information, and merchant information from the payment approval request text (715), and the BIN information included in the extracted card information. Read and confirm a predetermined card company server to perform the payment approval procedure (720), and relays the card information, payment amount information, merchant information to the card company server through a predetermined dedicated network (725).

Thereafter, the card company server performs a payment approval procedure for the payment amount based on the card information (730).

Those skilled in the art to which the present invention pertains, since the card company server will be familiar with the various implementation methods for performing the payment approval procedure for the payment amount based on the card information, detailed description thereof Omit for convenience.

If the payment processing is not approved (735), the card company server generates a payment processing history including the predetermined payment error information (740).

On the other hand, if the payment processing is approved (735), the card company server generates a payment processing history including predetermined payment approval information (for example, payment approval number) (745).

Thereafter, the card company server transmits the generated payment processing history to the bansa server through the dedicated network (750).

According to the method of the present invention, the bansa server checks whether the payment approval information is included in the received payment processing details, and if the payment approval information is included, generates an electronic sales slip including the payment processing details. Preferably stored in a predetermined electronic sales document D / B (not shown).

Thereafter, the bansa server generates a predetermined payment approval result text including the payment processing details and encrypts the generated payment approval result text (755).

If the settlement approval result text is encrypted (760), the bansa server transmits the settlement approval result text to the customer terminal 105 through the communication channel (765).

According to an embodiment of the present invention, the bansa server may transmit the payment processing history to a web server corresponding to the affiliated store through a predetermined communication network based on the affiliated store information included in the payment processing history, thereby The present invention is not limited.

In more detail, FIG. 8 transmits the entire payment approval result including the predetermined payment processing details to the customer terminal 105 through the payment approval process shown in FIG. 7 in the Bansa server shown in FIG. The present invention relates to a process of confirming the payment processing details included in the full payment approval result in connection with the card terminal 110 in the customer terminal 105 and performing a corresponding payment processing process. Those skilled in the art may refer to and / or modify this drawing 8 to infer various implementation methods for the online payment processing process, but the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, when the Bansa server shown in FIG. 1 transmits the full payment approval result including the predetermined payment processing details to the customer terminal 105 through the payment approval process shown in FIG. The customer terminal 105 receives the payment approval result full text transmitted from the bansa server through the communication channel (800), and transmits the received payment approval result full text to the card terminal 110 through the communication session. (805).

Thereafter, the card terminal 110 confirms the payment processing details included in the payment approval result full text through the full text receiving process shown in FIG. 5 and transmits the details to the customer terminal 105 through the communication session. The customer terminal 105 confirms whether the payment processing details are received from the card terminal 110 through the communication session (810).

If the payment processing details are received from the card terminal 110 through the communication session (815), the customer terminal 105 outputs the payment processing details (e.g., payment approval information or payment error information). In operation 825, the payment processing history is transmitted to the web server through the communication channel.

Thereafter, the web server checks the validity of the payment processing details in connection with the bansa server (830).

According to an embodiment of the present invention, when the payment processing history is previously transmitted from the bansa server to the web server, the web server receives the payment processing history received from the customer terminal 105 and the payment received from the bansa server. By comparing the processing details, it is preferable to confirm the validity of the payment processing details.

According to another exemplary embodiment of the present invention, when the payment processing history is not transmitted from the bansa server to the web server, the web server requests and receives the payment processing history information from the bansa server through a predetermined communication network. Then, it is preferable to check the validity of the payment processing history by comparing the payment processing history received from the customer terminal 105 and the payment processing history received from the bansa server.

If the payment processing history is not transmitted from the bansa server to the web server according to another embodiment of the present invention, the web server transmits the payment processing history information to the bansa server through a predetermined communication network, Preferably, the validity result information of the payment processing history is received from the bansa server.

If the validity of the payment processing history is not verified (835), the web server outputs a predetermined payment error message to the customer terminal 105 through the communication channel (840).

On the other hand, if the validity of the payment processing history is verified (835), the web server outputs a predetermined payment completion message to the customer terminal 105 through the communication channel (845).

According to the present invention, when a predetermined online payment processing process, there is an advantage of processing the online payment simply and conveniently, such as payment using an offline merchant terminal through the card terminal provided in the customer terminal.

According to the present invention, there is an advantage that the card payment is simply and conveniently through the card terminal provided in the customer terminal (or corporate terminal) B2B payment.

Claims

Transmitting predetermined payment amount information and affiliated store information from the web server to the customer terminal when the predetermined customer terminal accesses a predetermined web server through a predetermined communication network and makes an online payment;

Providing the payment amount information and the affiliated store information from the customer terminal to a predetermined card terminal;

The card terminal reads predetermined card information from a predetermined customer card through a predetermined card reader, generates a full text of a payment approval request including the card information, payment amount information, and merchant information, Providing predetermined bansa server information to the customer terminal;

Transmitting, by the customer terminal, the full text of the payment approval request to the bansa server through a predetermined communication network based on the bansa server information;

When the bansa server transmits a payment approval response message including a predetermined payment processing history, receiving the payment approval request message from the customer terminal and providing the payment terminal to the card terminal;

Checking, by the card terminal, the payment processing details included in the full payment approval request message and transmitting the same to the customer terminal; And

And transmitting the payment processing details from the customer terminal to the web server. The online payment method using a card terminal comprising: a.

The method of claim 1,

Checking the validity of the payment processing details in connection with the bansa server in the web server; Online payment method using a card terminal further comprising.

A recording medium comprising a program for executing the method of claim 1.

A customer terminal receiving predetermined payment amount information and affiliated store information from the web server when a predetermined customer terminal accesses a predetermined web server through a predetermined communication network and makes an online payment;

The card terminal receives the payment amount information and merchant information from the customer terminal, and generates a full payment approval request message including card information read from a predetermined customer card and payment amount information and merchant information through a predetermined card reader. (Or a card terminal module); characterized in that comprises a,

The customer terminal,

Transmit the full text of the payment approval request to a predetermined bansa server through a predetermined communication network;

When the Bansa server transmits a payment approval response message including a predetermined payment processing history, characterized in that the customer terminal receives the payment approval request text and provide it to the card terminal,

The card terminal (or card terminal module),

On-line payment system using a card terminal, characterized in that for confirming the payment processing history included in the full payment approval request sent to the customer terminal.

A card terminal comprising a card reader unit for reading card information from a predetermined customer card and a communication unit for connecting a predetermined customer terminal with a communication session via bus communication (or cable communication or short-range wireless communication). In

A card information reader unit for reading predetermined card information from a predetermined customer card in association with the card reader unit;

An information receiving unit receiving predetermined payment amount information and affiliated store information from the customer terminal in association with the communication unit;

A text generation unit for generating a predetermined payment approval request message including the read card information, the received payment amount information, and the affiliated store information;

A specialized transmission unit for transmitting the generated payment approval request message and predetermined bansa server information to the customer terminal in association with the communication unit;

A text receiving unit for receiving a text of a payment approval result including a predetermined payment processing details from the customer terminal;

And a professional processing unit which extracts a predetermined payment processing history from the full payment approval result and provides the customer terminal through the communication unit.

The method of claim 1,

Characterized in that a predetermined encryption method for encrypting the payment approval request full text generated by the full text generation unit, or further comprising an encryption processing unit for decrypting the payment approval result received through the full text receiving unit Card terminal.

A recording medium characterized by recording a program for realizing the functional configuration of any one of claims 1 to 2.