KR20090027114A

KR20090027114A - Affiliated device, system and method for translating consultation and recording medium

Info

Publication number: KR20090027114A
Application number: KR1020070092329A
Authority: KR
Inventors: 이장혁
Original assignee: 한국정보통신서비스 주식회사
Priority date: 2007-09-11
Filing date: 2007-09-11
Publication date: 2009-03-16

Abstract

The present invention relates to a merchant terminal, a method and a system for counseling relaying a merchant, and a recording medium therefor, wherein the merchant terminal having a counseling relay function according to the present invention includes accounting, tax, legal, insurance, and employment of a merchant. An interface output unit for outputting an interface for inputting counseling item information including any one of tasks, affiliated store authentication information for authenticating the affiliated store owner and counseling request information corresponding to the counseling item, and a key input unit; When the consultation item information, the affiliated store authentication information, and the consultation request information are input, a professional generation unit for generating a consultation relay request message including the inputted consultation item information, the affiliated store authentication information, the consultation request information, and the affiliated store information, and a communication network are provided. Through the professional transmission unit and the communication network for transmitting the full consultation service request to the Bansa server through It is achieved by having a specialized processor for receiving at least one consultation organization information consult the relay result professional output conforming to the advice item information and consultation information requested.

Description

Affiliated Device, System and Method for Translating Consultation and Recording Medium}

1 is a view showing a functional configuration of an affiliated store terminal providing a counseling relay service of an affiliated store according to an embodiment of the present invention.

2 is a diagram illustrating an operation process of an affiliated store terminal providing a counseling relay service of an affiliated store according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of a consultation relay system through an affiliated store terminal according to an embodiment of the present invention.

4 is a diagram illustrating a counseling relay process through an affiliated store terminal according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a consultation relay process through an affiliated store terminal according to another exemplary embodiment of the present invention.

100: merchant terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: power supply unit

130: communication processing unit 135: security application module (SAM)

140: print output unit 145: printing apparatus

150: memory unit 155: mode confirmation unit

160: payment settlement unit 165: interface output unit

170: information input unit 175: professional generation unit

180: professional transmission unit 185: professional processing unit

190: Bansa Server

The present invention provides counseling item information including any one of accounting business, tax business, legal service, insurance business, and recruitment business of a merchant, merchant authentication information for authenticating the merchant owner, and counseling request information corresponding to the counseling item. An interface output unit for outputting an interface for inputting an input unit and inputting the consultation item information, the affiliated store authentication information, and the consultation request information through a key input unit, the inputted consultation item information, the affiliated store authentication information, the consultation request information, and the affiliated store; A professional generation unit for generating a counseling relay request message including information, a specialized transmission unit for transmitting the counseling relay request message to a bansa server through a communication network, and a corresponding communication item information and consultation request information through the communication network. Specialized processing unit for receiving and outputting the full text of the consultation relay results of at least one counseling agency information It relates to having a relay function is provided counseling to the merchant terminal.

With the development of the credit society, payment payments through card media with payment methods without physical cash have become commonplace, and as a result, the number of merchants providing card payments has increased rapidly. The terminal is provided.

Due to the nature of the stores that are the subjects of economic activity, the merchants often have accounting, tax, and legal services, but most merchants do not have the ability to process such tasks in real time. With the help of accounting experts, tax experts, and legal experts, the company regularly handles accounting, tax, and legal affairs.

By the way, the accounting business, tax business, legal business, etc. includes a certain period of work, and when the period of time has passed, fines or unnecessary additional costs are incurred. The method has no special method except that the merchant always pays attention to accounting, taxing, legal, and the like.

An object of the present invention for solving the above problems, through the communication network from the merchant terminal, the consultation item information, including any one of the accounting, tax, legal, insurance and recruitment of the merchant, and the merchant note authentication Receiving the full text of the consultation relay request, including the merchant authentication information and the counseling request information and the merchant information corresponding to the counseling item, the merchant authentication means in association with the merchant D / B provided in the bansa associated with the merchant terminal Authenticating validity of the affiliated store information and the affiliated store authentication information included in the full text of the counseling relay request; and in connection with a counseling institution D / B that stores counseling agency information for at least one counseling item in a counseling agency checking means. At least one of the items corresponding to the consultation item information and the consultation request information included in the certified consultation relay request Among the above counseling institutions, the steps of checking counseling agency information close to the affiliated store, generating a counseling relay result message including the counseling agency information in a specialized generating means, and generating the counseling relay result full text in a specialized transmission means It is to provide a merchant counseling relay method comprising the step of transmitting to the merchant terminal through the communication network.

Merchant terminal having a counseling relay function according to the present invention, the merchant item information including any one of the accounting, tax, legal, insurance, and recruitment of the merchant and the merchant for authenticating the owner's note An interface output unit for outputting an interface for inputting authentication information and counseling request information corresponding to the counseling item; and when the counseling item information, affiliated store authentication information, and counseling request information are input through a key input means, the input counseling item A professional generation unit for generating a consultation relay request message including information, affiliated store authentication information, consultation request information, and the affiliated store information, a professional transmission unit for transmitting the consultation relay request message to a bansa server through a communication network, and the communication network; Counseling relays at least one counseling agency information corresponding to the counseling item information and counseling request information Characterized in that it comprises a specialized processing unit for receiving and outputting the result text.

On the other hand, the merchant counseling relay method according to the present invention, through the communication network from the merchant terminal, the counseling item information including any one of the accounting, tax, legal, insurance, and recruitment of the merchant, and authenticates the merchant note Receiving the full text of the consultation relay request, including the merchant authentication information and the counseling request information and the merchant information corresponding to the counseling item, the merchant authentication means in association with the merchant D / B provided in the bansa associated with the merchant terminal Authenticating validity of the affiliated store information and the affiliated store authentication information included in the full text of the counseling relay request; and in connection with a counseling institution D / B that stores counseling agency information for at least one counseling item in a counseling agency checking means. At least one corresponding to the consultation item information and the consultation request information included in the certified consultation relay request. Checking the counseling agency information close to the affiliated store among the above counseling agencies,

Generating a full text of the counseling relay result including the counseling agency information in the full text generating means and transmitting the generated full text of the counseling relay result to the affiliated store terminal through the communication network; do.

On the other hand, it includes a recording medium recording a program for executing the above-described merchant counseling relay method.

On the other hand, the merchant counseling relay system according to the present invention, through the communication network from the merchant terminal, the counseling item information including any one of the accounting, tax, legal, insurance, and recruitment of the merchant, and authenticates the merchant notes When the counseling relay request message including the affiliated store authentication information, the counseling request information corresponding to the consultation item, and the affiliated store information is received, the counseling relay request message is linked to the affiliated store D / B provided in the bansa associated with the affiliated store terminal. Full-time counseling relay request full-text authentication in association with the merchant authentication means for authenticating the validity of the merchant information and the merchant authentication information included in the counseling agency D / B for storing counseling agency information for at least one consultation item Affiliation among at least one counseling institution corresponding to the consultation item information and the consultation request information included in the Counseling agency checking means for confirming the counseling agency information close to the point, specialized generating means for generating a counseling relay result message including the counseling agency information, and transmitting the generated counseling relay result message to the affiliated store terminal through the communication network. Characterized in that it comprises a specialized transmission means to.

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 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 omitted as described above The relationship between the components 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. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating a functional configuration of an affiliated store terminal 100 providing a counseling relay service of an affiliated store according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an affiliated store terminal 100 (eg, a credit authorization terminal (CAT)) having a counseling relay mode for providing a counseling relay service of a merchant, or a point of sale (POS) equipped with a payment function. Sales) terminal), if a person having ordinary knowledge in the technical field to which the present invention belongs, various merchant terminal (100) to provide a counseling relay service of the merchant by referring to and / or modified in the Figure 1 Although the functional configuration may be inferred, it is to be understood that the technical features of the present invention are not limited to the drawing 1 but include all the inferred implementation methods.

Referring to FIG. 1, a merchant terminal 100 having a counseling relay mode for providing a counseling relay service of a merchant basically includes a control unit 105, a memory unit 150, a card reader unit 110, and a key input unit 120. ) And a screen output unit 115, a communication processing unit 130, a security application module 135, a print output unit 140, and a power supply unit 125 for supplying power to the affiliated store terminal 100. And at least one or more terminal functional units (not shown) according to the intention of the skilled person.

The control unit 105 controls the overall operation of the affiliated store terminal 100 in function configuration, manages the flow of information or data between each component, and is provided in the affiliated store terminal 100 for a counseling relay function for the affiliated store. At least one processor and an execution memory (eg, a register and / or a RAM) including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware and interoperating and controlling at least one component. (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and the execution memory from a predetermined recording medium in order to perform a function unique to the merchant terminal 100 in software. Program routines and / or program data that are loaded and computed by the processor. (As a result, a software program can be used among predetermined programs recorded on a recording medium provided in the affiliated store terminal 100 and / or functional configurations provided in the affiliated store terminal 100 for counseling relaying functions to the affiliated store. Possible components are shown as provided in the present control unit 105).

According to the exemplary embodiment of the present invention, the controller 105 may output components (for example, the memory unit 150, the card reader unit 110, the key input unit 120, and a screen output) included in the affiliated store terminal 100. The affiliated store terminal 100 by interworking the unit 115, the communication processing unit 130, the security application module 135, the print output unit 140, and / or the terminal function unit (not shown) according to the intention of the person skilled in the art. Controlling and managing providing the payment service defined in the above), as well as interworkingly controlling the components provided in the affiliated store terminal 100 for the counseling relay service of the affiliated store according to the present invention, and / Alternatively, it is preferable to execute a program recorded in a recording medium provided in the affiliated store terminal 100 for counseling relay service of the affiliated store.

The memory unit 150 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 affiliated store terminal 100 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 105 to perform a predetermined control function (e.g., data input or output for the program routine to perform a predetermined function) ) Is stored.

According to an exemplary embodiment of the present invention, the memory unit 150 may be configured to identify the affiliated store terminal 100 (or affiliated store) in a bansa server that transmits and receives at least one full payment related message with the affiliated store terminal 100. It is preferable to store predetermined merchant information for identifying the affiliated store terminal 100 (or an affiliated store) at various card companies that store affiliated store information or approve the payment requested from the affiliated store terminal 100.

In addition, the memory unit 150 to at least one consultation item (eg, loan consultation, tax consultation, insurance consultation, staff employment consultation, etc.) that can be provided through the affiliated store terminal 100 for the counseling relay service of the affiliate store. At least one of counseling authentication interface information per counseling item for inputting corresponding counseling item information, merchant authentication information for authenticating a merchant requesting counseling relay corresponding to the counseling item, and counseling relay corresponding to the counseling item; Counseling information input interface information for each counseling item for inputting one or more counseling request information is preferably stored in association.

The customer who receives the payment service through the affiliated store terminal 100 may use an MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, and / or a contact IC card (or wireless) based on the ISO / IEC 7816 standard. IC chip) and / or a card including (or owning) at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 standard, wherein the card reader unit 110 holds the card. It is characterized in that the interface for reading at least one or more information or data provided in the.

According to the embodiment of the present invention, the card reader unit 110 is an MS reader unit for providing an interface between the MS card and the affiliated store terminal 100, and / or the contact IC card and the affiliated store terminal 100. And a contact IC reader unit providing an interface between the contactless IC reader and / or the contactless IC reader unit providing an interface between the contactless IC card and the affiliated store terminal 100.

The MS reader unit is a card reader unit 110 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. By using the loading is characterized in that the predetermined information or data from at least one or more tracks (Track) provided in the MS of the MS card to interface with the merchant terminal (100).

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 merchant terminal 100.

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443. The contactless IC reader makes contact between the contactless IC card and the electrical contactless by using capacitive coupling and / or inductive coupling. It comprises at least one antenna, the power supply 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 Characterized in that the interface to the merchant terminal 100.

According to an embodiment of the present invention, the card reader unit 110 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 110 for a payment service defined in the affiliated store terminal 100. A credit card, a debit card, a debit card, a cash card, a card number corresponding to a payment method corresponding to a payment method including at least one financial account, card expiration date (some may be omitted), card company information, cardholder information, etc. Is preferred.

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 a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the affiliated store terminal 100 controlled by the controller 105. When predetermined information (or signal) is input from the 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. The controller 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the affiliated store terminal 100, and / or is defined to match the key event. Characterized in that for obtaining a command to execute the custom functions. The key input unit 120 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 affiliated store terminal 100.

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

According to an exemplary embodiment of the present invention, the key input unit 120 may provide key data (eg, a payment amount) corresponding to the payment service from at least one or more key input devices for a payment service defined in the affiliated store terminal 100. It is preferable to perform the function of the key input means for receiving the input, and at least one or more key data required in the consultation relay service providing process of the merchant from the key input device for the consultation relay service of the merchant according to the present invention. It is preferable to perform the function of the key input means for receiving the input.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 120 may perform the counseling relay service of an affiliated store according to the present invention in an initial mode and / or a payment mode of an operation mode of the affiliated store terminal 100. It is preferable that a hot key (key button) for switching to the counseling relay mode provided is provided, whereby the present invention is not limited.

The screen output unit 115 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 105 in the process of the merchant terminal 100 performs a predetermined function (for example, the electronic payment processing function) And at least one or more information or data which is predefined or defined in real time to be output to a predetermined display output device including a Ray Tube) through a predefined interface screen, wherein 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 affiliated store terminal 100.

The predefined information or data to be output from the affiliated store terminal 100 to the screen output device includes key data input through the key input unit 120, and / or components included in the affiliated store terminal 100. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processor 130, and / or information (or data) corresponding to a predetermined operation result performed by the affiliated store terminal 100. ) At least one or more.

According to a preferred embodiment of the present invention, the screen output unit 115 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the payment service defined in the merchant terminal 100 It is preferable to perform the function of the output means, the screen output means for outputting the consultation relay interface corresponding to the consultation relay service providing step of the merchant to the screen output device for the consultation relay service of the merchant according to the present invention. It is preferable to carry out.

The communication processing unit 130 includes a network communication unit connecting a communication channel with the bansa server 190 through a predetermined communication network in the process of the merchant terminal 100 performing a predetermined function (for example, a card payment processing function). Cable communication unit for connecting a communication session with a predetermined terminal (or device) located in close proximity to the merchant terminal 100 through a predetermined cable communication port, or at least one or more according to the intention of the skilled person And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device with a predetermined short distance communication terminal (or device) device located at a short distance through a short range wireless communication unit and a predetermined communication session. Communication protocols and / or drivers for connecting (or communication sessions).

The network communication unit includes a wired communication network including at least one or more xDSL-based wired communication network, public switched telephone network (PSTN), intelligent network and Ethernet, or code division multiple access (CDMA) / WCDMA. (Wide-CDMA) based mobile communication network, HSDPA (High-Speed Downlink Packet Access) based wireless communication network, IEEE 802.16x based wireless communication network including at least one or more, including a communication channel for connecting a communication channel with the server 190 Characterized in that, including a modem (Modem) or NIC (Network Interface Card) for connecting the affiliated store terminal 100 to the communication network in hardware, and the merchant terminal 100 in software Communication protocol and / or driver for accessing the communication network.

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

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal having a predetermined short range wireless communication function.

The secure application module (SAM) 135 is a confidentiality and / or authentication required in the process of the merchant terminal 100 performing 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 merchant terminal 100 without using an authentication server (not shown) on the communication network. As a safety device for performing, the merchant terminal 100 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (eg, electronic payment and / or electronic payment function). Add an authenticator that prevents forgery (or tampering) of the message, or store critical information that is important in the process of performing the security request function. It characterized in that it performs a function.

In general, the security application module 135 is preferably composed of a predetermined security application module 135 inserter and a security application module 135 chip, the security application module 135 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 135 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 merchant terminal 100 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 140 may process the affiliated store terminal 100 to perform a predetermined function (eg, an electronic payment processing function) and / or predetermined information or data (eg, payment processing result information or the like) generated as a result. Data) to a predetermined printing device 145 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 145 in accordance with a predefined printing form. Including printing protocols and drivers.

Referring to FIG. 1, in order to provide a payment service using a card of a customer, the affiliated store terminal 100 confirms a mode for confirming whether an operation mode of the affiliated store terminal 100 is a payment mode corresponding to the payment service. When the operation mode of the merchant terminal 100 and the payment result is the payment mode, the card 155 provides predetermined card information for providing the payment service from the customer card through the card reader 110. After reading and inputting payment information for providing the payment service from a predetermined key input means through the key input unit 120, the card information, payment information, and the memory unit 150 are provided. Generate a payment approval request message including merchant information and transmit it to the bansa server 190 on the communication network through the communication processing unit 130, and through the communication processing unit 130 Receives the payment approval result text including the payment processing history corresponding to the payment approval request full text from the bansa server 190, and displays the payment processing details included in the payment approval result full text through the screen output unit 115 And a payment settlement unit 160 for performing a series of payment settlement procedures for outputting and / or printing through the print output unit 140.

The mode checking unit 155 periodically checks whether an operation mode of the affiliated store terminal 100 is a payment mode corresponding to the payment service.

If the check result is that the operating mode of the affiliated store terminal 100 is not the payment mode, the affiliated store terminal 100 performs a function corresponding to the corresponding operation mode, while the operating mode of the affiliated store terminal 100 is When the payment mode is confirmed, the mode confirmation unit 155 outputs the payment mode confirmation result through the screen output unit 115.

The payment settlement unit 160 provides predetermined card information for providing the payment service from the customer card through the card reader 110 to process a payment corresponding to a payment mode for providing the payment service. Characterized in that by reading the input.

In addition, the payment settlement unit 160 provides the payment service from a predetermined key input means through the key input unit 120 to process a payment corresponding to a payment mode for providing the payment service. Characterized in that the payment information is input, the payment information is basically included in the payment amount information, preferably according to the intention of the person skilled in the art further comprises payment information or service charge information.

In addition, the payment settlement unit 160 is a full payment approval request including at least one or more of the input card information and payment information (for example, payment amount information and installment month information, service charge information, etc.) and the merchant information; It is characterized by generating.

In addition, the payment settlement unit 160 transmits the generated payment approval request telegram to the bansa server 190 on the communication network through the communication processing unit 130, corresponding to the bansa server 190 ) Performs a payment processing procedure corresponding to the payment approval request message in connection with the card company server corresponding to the card information through the payment approval request message, and then the payment approval details or payment error details corresponding to the payment processing result. It generates a payment processing history corresponding to any one of, and generates a predetermined payment approval result full text including the payment processing history and transmits to the affiliated store terminal 100 through the communication network.

In addition, the payment settlement unit 160 periodically receives from the bansa server 190 on the communication network through the communication processing unit 130 a payment approval result message including the payment processing details corresponding to the full payment approval request. (Or in response to a full text reception event of the communication processor 130).

If a payment approval result message including a payment processing history corresponding to the payment approval request message is received through the communication processor 130, the payment settlement unit 160 may include a payment processing detail included in the payment approval result message. (E.g., payment approval details or payment error details) by screen output through the screen output unit 115, and / or print output through the print output unit 140, thereby the payment The payment procedure providing the payment service is completed.

Referring to FIG. 1, in order to provide a counseling relay service for an affiliated store according to the present invention, the affiliated store terminal 100 may determine whether an operation mode of the affiliated store terminal 100 corresponds to a consultation relay service of the affiliated store. A mode checking unit 155 for checking and the operation mode of the affiliated store terminal 100 in the counseling relay mode, at least one for the counseling relay service of the affiliated store in connection with the screen output unit 115; An interface output unit 165 for outputting a counseling relay interface corresponding to the counseling relay providing step; and the counseling item information, the affiliated store authentication information, and the counseling item corresponding to the counseling relay interface in association with the key input unit 120; Information input unit 170 for receiving at least one corresponding consultation request information, the consultation item information and the merchant authentication information and consultation request A professional generation unit 175 for generating a consultation relay request message including information and affiliated store information stored in the memory unit 150, and the generated consultation relay request message in connection with the communication processing unit 130 on the communication network; Counseling relay result message that includes a professional transmission unit 180 for transmitting to the bansa server 190, and counseling agency information corresponding to the counseling relay request full text from the bansa server 190 in connection with the communication processing unit 130 It characterized in that it comprises a specialized processing unit 185 for receiving and outputting through the screen output unit 115.

The mode checking unit 155 periodically (or in response to the consultation relay mode switch key (hot key) event) whether the operation mode of the affiliated store terminal 100 is a consultation relay mode corresponding to the consultation relay service of the affiliate store. It is characterized by checking.

If the check result is that the operating mode of the affiliated store terminal 100 is not the counseling relay mode, the affiliated store terminal 100 performs a function corresponding to the corresponding operation mode, while the operating mode of the affiliated store terminal 100 When the mode is checked in the counseling relay mode, the mode checker 155 outputs the counseling relay mode check result through the screen output unit 115.

When the operation mode of the affiliated store terminal 100 is determined to be the counseling relay mode, the interface output unit 165 may be provided through the affiliated store terminal 100 in association with the screen output unit 115. And at least one counseling item selection interface corresponding to a counseling relay service of the at least one counseling service, wherein the information input unit 170 is connected to the key input unit 120 based on a counseling item selection interface. Characterized by inputting the consultation item requesting the consultation relay through the).

Herein, the consultation item information may include a consultation item for loan counseling of the affiliated store, or includes a consultation item for tax consultation of the merchant, or a consultation item for insurance consultation of the merchant. It is preferably made, or including a consultation item for staff recruitment counseling of the merchant.

Those skilled in the art to which the present invention pertains, in addition to the consultation item information, it is possible to infer other counseling item information of various forms requesting a counseling relay service from the affiliated store, and the present invention is inferred by all Characterized in that it comprises the consultation item information.

When the consultation item information is input, the interface output unit 165 checks the affiliate store authentication interface or the consultation information input interface corresponding to the consultation item information through the memory unit 150, and the screen output unit 115. The affiliated store authentication interface or the consultation information input interface corresponding to the consultation item information may be output.

Here, the affiliated store authentication interface comprises a user interface for inputting merchant registration information including at least one of a business registration number for the affiliated store and a resident registration number (or 7 digits after the resident registration number) of the affiliated store owner (or affiliated store representative). It is preferable.

In the technical field to which the present invention pertains, in addition to the user interface for inputting the affiliated store authentication information, the user interface for inputting various affiliated store authentication information for authenticating the affiliated store requesting a counseling relay service from the affiliated store is inferred. It will be appreciated that the present invention is characterized by including all the user interfaces inferred.

When the counseling item information selected through the counseling item selection interface includes a counseling item for loan counseling of the affiliated store, the counseling information input interface is a loan counseling type (eg, credit loan counseling, collateral loan counseling, etc.). And a user interface for inputting loan consultation request information including at least one loan application amount.

Alternatively, when the consultation item information selected through the consultation item selection interface includes a consultation item for tax consultation of the affiliated store, the consultation information input interface may include a tax consultation type (eg, VAT consultation, income tax consultation, tax reduction). Method consultation) and a user interface for inputting tax consultation request information including at least one sales information of the affiliated store.

Alternatively, when the counseling item information selected through the counseling item selection interface includes a counseling item for insurance counseling of the affiliated store, the counseling information input interface may be a type of insurance counseling (eg, various disaster insurance counseling, health insurance). And a user interface for inputting insurance consultation request information including at least one premium information for each type of insurance consultation.

Alternatively, when the counseling item information selected through the counseling item selection interface includes a counseling item for staff employment counseling of the affiliated store, the counseling information input interface may be a kind of staff employment counseling (for example, part-time job counseling, contract workers). Hiring counseling, full-time hiring counseling, etc.) and staff employment counseling request information including at least one or more employment conditions.

Those skilled in the art to which the present invention pertains can infer a user interface for inputting various consultation request information corresponding to other consultation item information in addition to the user interface for inputting the consultation request information. Is characterized in that it comprises all the inferred user interface.

When the affiliated store authentication interface corresponding to the consultation item information is output through the interface output unit 165, the information input unit 170 is connected to the key input unit 120 based on the affiliated store authentication interface to consult the affiliated store. Characterized in that the merchant authentication information for authenticating the merchant requesting a relay service.

Here, the affiliated store authentication information preferably comprises a business registration number for the affiliated store and at least one or more resident registration number (or 7 digits after the resident registration number) of the merchant owner (or affiliated store representative).

Those skilled in the art to which the present invention pertains, in addition to the merchant authentication information will be able to infer a variety of merchant authentication information for authenticating the merchant requesting the counseling relay service from the merchant, the present invention is inferred Characterized in that it comprises all the merchant authentication information.

In addition, when the consultation information input interface corresponding to the consultation item information is output through the interface output unit 165, the information input unit 170 is connected to the key input unit 120 based on the consultation information input interface. At least one consultation request information corresponding to the consultation item information may be input.

When the consultation information input interface for loan counseling of the affiliated store is output, the counseling request information may include at least one loan counseling type (eg, credit loan counseling, mortgage loan counseling, etc.) and a loan application amount. .

Alternatively, when the consultation information input interface for the tax consultation of the merchant is output, the counseling request information includes at least one tax consultation type (eg, VAT consultation, income tax consultation, tax method consultation, etc.) and sales information of the merchant. It is preferable to comprise.

Alternatively, when the counseling information input interface for insurance counseling of the affiliated store is output, the counseling request information may include at least one insurance counseling type (eg, various disaster insurance counseling, health insurance counseling, etc.) and premium information for each insurance counseling type. It is desirable to include.

Alternatively, when the counseling information input interface for the staff recruitment counseling of the affiliated store is output, the counseling request information includes at least one kind of staff employment counseling (eg, part-time job counseling, contract employment counseling, regular employment counseling, etc.) and staff employment conditions. It is preferable to comprise as mentioned above.

Those skilled in the art to which the present invention pertains can infer various counseling request information corresponding to other counseling item information in addition to the counseling request information, and the present invention includes all the counseling request information inferred. Characterized in that made.

The full text generation unit 175 may generate a full text of the counseling relay request including the inputted counseling item information, affiliated store authentication information, counseling request information for each counseling item, and the affiliated store information.

In addition, the professional transmitter 180 transmits the generated consultation relay request telegram to the bansa server 190 on the communication network through the communication processor 130, and correspondingly the bansa server 190 ) Authenticates the affiliated store requesting the consultation relay service through the affiliated store authentication information included in the consultation relay request message, and at least one consultation corresponding to the consultation item information and the consultation request information included in the consultation relay request message. Identify a counseling agency that can provide optimal counseling services to the affiliated stores among the institutions, and transmit the full text of the counseling relay result including the counseling agency information to the affiliated store terminal 100 through the communication network.

In addition, the Bansa server 190 confirming the counseling agency that can provide the optimal counseling service for the merchant is the counseling agency information contained in the counseling relay request, the counseling request information and the merchant contact information It is preferable to provide.

The expert processing unit 185 periodically receives a consultation relay result message including the counseling agency information from the bansa server 190 on the communication network through the communication processing unit 130 (or the message of the communication processing unit 130). In response to incoming events).

If the counseling relay result message is received through the communication processor 130, the expert processing unit 185 may output the counseling agency information included in the counseling relay result message through the screen output unit 115. According to the intention of the person skilled in the art, the professional processing unit 185 may print out the consultation institution information through the print output unit 140, whereby the present invention is not limited thereto.

2 is a diagram illustrating an operation process of an affiliated store terminal 100 providing a counseling relay service of an affiliated store according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 illustrates an operation mode of the affiliated store terminal 100 (eg, a credit authorization terminal (CAT), or a point of sales (POS) terminal having a payment function) shown in FIG. 1). When it is confirmed in the counseling relay mode, the affiliated store terminal 100 generates a counseling relay request message including counseling item information, affiliated store authentication information, counseling request information for each counseling item, and affiliated store information, and transmits it to the bansa server 190. As to the operation process, those skilled in the art to which the present invention belongs, infer the various operation process of the merchant terminal 100 to provide a counseling relay service of the merchant by referring to and / or modified in this figure 2. It is to be understood that the technical features of the present invention are not limited by this drawing 2 but include all the inferred implementation methods.

Hereinafter, the affiliated store terminal 100 shown in FIG. 1 in FIG. 2 is referred to as a “terminal” for convenience.

Referring to FIG. 2, the terminal checks whether the terminal operation mode is a counseling relay mode for counseling relay processing of the affiliated store (200).

According to an embodiment of the present invention, the terminal periodically checks whether the operation mode of the terminal corresponds to the consultation relay service of the affiliated store (or in response to the consultation relay mode switch key (hot key) event). It is desirable to.

If the check result is that the operation mode of the terminal is not the consultation relay mode (205), the terminal performs a service function (eg, card payment, etc.) corresponding to the operation mode of the terminal (210).

On the other hand, if the operation result of the terminal is the consultation relay mode (205), the terminal outputs the consultation item selection interface to the screen output means, and confirms whether the consultation item information is input through the consultation item selection interface ( 215).

Those skilled in the art to which the present invention pertains will be able to infer various types of counseling item information requesting a counseling relay service from the merchant in addition to the counseling item information, and the present invention is inferred Characterized in that it comprises all the consultation item information.

If it is confirmed that the consultation item information is input (220), the terminal outputs an affiliate store authentication interface to the screen output unit and checks whether affiliate store authentication information is input through the affiliate store authentication interface (225).

If it is confirmed that the affiliated store authentication information is input (230), the terminal outputs a consultation information input interface to the screen output means, and checks whether the consultation request information is input through the consultation information input interface (235).

Alternatively, when the consultation item information selected through the consultation item selection interface includes a consultation item for the tax consultation of the affiliated store, the consultation information input interface may include a tax consultation type (eg, VAT consultation, income tax consultation, Tax method consultation, etc.) and the user interface for inputting the tax consultation request information including at least one or more sales information of the affiliated store.

Alternatively, when the counseling information input interface for insurance counseling of the affiliated store is output, the counseling request information may include at least one insurance counseling type (eg, various disaster insurance counseling, health insurance counseling, etc.) and premium information for each insurance counseling type. It is preferable to comprise.

If it is confirmed that the consultation request information has been input (240), the terminal generates a consultation relay request full text including the consultation item information, merchant authentication information, consultation request information and merchant information (245), and through the communication network After transmitting the full text of the counseling relay request to the bansa server 190, it is checked whether the full text of the counseling relay is received from the bansa server 190 (250).

If the consultation relay result message is received from the bansa server 190 (255), the terminal outputs the counseling agency information included in the consultation relay result message (260).

3 is a diagram illustrating a configuration of a counseling relay system through an affiliated store terminal 365 according to an exemplary embodiment of the present invention.

In more detail, Figure 3 is a counseling relay system through the merchant terminal 365 that provides a payment service through the customer card, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 3 By referring to and / or modified to infer various implementation methods for the configuration of the counseling relay system through the affiliated store terminal 365, the present invention comprises all the inferred implementation methods, shown in Figure 3 The technical features are not limited only to the implemented method.

Referring to FIG. 3, the counseling relay system using the affiliated store terminal 365 includes an affiliated store terminal 365 provided at an affiliated store, a bansa server 300 connected to the affiliated store terminal 365 through a predetermined communication network, At least one counseling server server 360 that provides a counseling service corresponding to a counseling relay request message received from the affiliated store terminal 365, and a settlement approval corresponding to the settlement approval request message received from the affiliated store terminal 365. It comprises a card company server to process.

In FIG. 3, the bansa server 300 on the counseling relay system through the affiliated store terminal 365 is illustrated as one server, but this is only an exemplary method for effectively explaining the technical features of the present invention. 300 may be implemented through at least two separate servers (or devices) for various functional components, and the present invention is not limited thereto.

The merchant terminal 365 on the counseling relay system through the affiliated store terminal 365 is a CAT (Credit Authorization Terminal) including a functional configuration shown in FIG. 1, or a POS (Point Of Sales) terminal having a payment function. It characterized in that it comprises at least one, and generates a predetermined payment approval request full text for payment service to the bansa server 300 via the communication network, or a predetermined consultation for the consultation relay service It generates a relay request full text and transmits to the bansa server 300 through the communication network.

In addition, the card company server on the consultation relay system through the merchant terminal 365, characterized in that it comprises at least one server provided in the card company to process the payment approval for the customer card, the bansa server After receiving the payment approval request information included in the payment approval request message transmitted from the affiliated store terminal 365 from 300, the payment amount included in the payment approval request information is processed through the customer card. It is characterized by.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the card company server, a detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the bansa server 300 connects a communication channel for professional transmission / reception corresponding to at least one merchant terminal 365 and a payment service through a communication network including a wired communication network (or a wireless communication network). And the interface unit 305 for connecting and managing a communication channel for professional transmission and reception corresponding to the consultation relay service according to the present invention, and the payment from the affiliated store terminal 365 in connection with the interface unit 305. Receive full payment approval request message including at least one card information, payment amount and merchant information for payment service, or counseling item information, merchant authentication information, counseling request information and merchant information for each counseling relay service A professional receiving unit 310 for receiving a consultation relay request full-text including at least one and the interface unit ( 305) a specialized transmission unit 315 for transmitting a payment approval result text corresponding to the payment approval request message full text to the affiliated store terminal 365 or transmitting a consultation relay result text corresponding to the counseling relay request text message; It characterized by comprising a.

The merchant terminal 365 reads the card information through a predetermined card reader for the payment service, generates a full payment approval request message including the card information, the payment amount, and the merchant information, and through the communication network. When transmitting, the full text receiver 310 may receive the full text of the payment approval request in association with the interface 305.

If the payment approval procedure corresponding to the payment approval request message is completed in the card company server, and a payment approval result message including a predetermined payment processing history is generated, the message transmission unit 315 is connected with the interface unit 305. It is characterized in that for transmitting the payment approval result full text in association with the affiliated store terminal (365).

Persons having ordinary knowledge in the technical field to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the communication network, and a detailed description thereof will be omitted for convenience.

When the affiliated store terminal 365 generates a consultation relay request message including at least one counseling item information, affiliated store authentication information, counseling request information for each consultation item, and affiliated store information for the counseling relay service, and transmits it through the communication network, The specialized receiving unit 310 is characterized in that for receiving the consultation relay request full text in conjunction with the interface unit 305.

If a counseling agency corresponding to the counseling relay request message is identified and a counseling relay result message including the counseling agency information is generated, the expert transmission unit 315 is linked with the interface unit 305 to provide the counseling relay result. Characterized in that the transmission to the merchant terminal 365.

Referring to FIG. 3, when the Bansa server 300 receives the full payment approval request message including the card information, the payment amount, and the affiliated store information from the affiliated store terminal 365 through the specialized receiving unit 310, Confirm the card company server corresponding to the card information included in the received payment approval request full text, and the payment approval request including the card information, payment amount and merchant information included in the payment approval request message to the confirmed card company server After relaying the information, receiving a predetermined payment processing history including a payment processing result including any one of predetermined payment error information and payment approval information corresponding to the payment approval processing from the card company server, and Characterized in that it comprises a payment professional processing unit 320 for generating a full payment approval result including the payment processing history And a professional result the payment authorization generated by the payment specialized processing unit 320 is characterized in that transmitted to the merchant terminal 365 via the specialized transmission section 315.

When the payment approval request message including the card information, the payment amount, and the merchant information is received from the affiliated store terminal 365 through the specialized receiving unit 310, the payment specialized processing unit 320 from the affiliated store terminal 365. And confirms a card company server corresponding to the card information by reading a BIN (Bank Identification Number) included in the card information included in the received payment approval request message. The payment approval request is made to the confirmed card company server. By transmitting the payment approval request information including the card information and payment amount and merchant information included in the full text, it is characterized in that request to perform the payment approval procedure for the payment approval request information through the card company server.

Those skilled in the art to which the present invention pertains, the technical features to perform the post-pay or debit payment approval procedure through the payment approval request information including the card information in the card company server, and the payment processing Since you will be familiar with the technical characteristics of generating a payment processing history including a result, a detailed description thereof will be omitted for convenience.

When the payment processing history including the payment processing result is received from the card company server, the payment professional processing unit 320 generates a payment approval result full text including the payment processing history, wherein the generated payment The approval result text is transmitted to the affiliated store terminal 365 through the text transmission unit 315.

Referring to FIG. 3, the bansa server 300 checks the merchant information and the merchant authentication information matched with the merchant information and the merchant authentication information included in the counseling relay request executive for the counseling relay service, and confirms in the affiliate store registration process. The affiliated store D / B 350 for storing the affiliated store address information and the affiliated store contact information, the counseling item information matching the counseling item information included in the counseling relay request message, and the counseling relay request message; And a counseling agency D / B 355 for storing the counseling agency information corresponding to the counseling request information for each counseling item, the counseling agency address information, and the server information of the upper institution in association (or interworking with a communication network). do.

Here, the affiliated store information provided in the affiliated store D / B 350 is preferably matched with affiliated store information included in the counseling relay request message received from the affiliated store terminal 365, and the affiliated store authentication information is the affiliated store. Preferably, the terminal 365 includes at least one or more business registration numbers of the affiliated stores included in the counseling relay request received from the terminal 365 and a resident registration number (or seven digits after the resident registration number) of the affiliated store owner (or affiliated store representative).

In addition, the affiliated store address information provided in the affiliated store D / B 350 may include address information (or business address information on a business registration certificate) of the affiliated store confirmed in the process of joining the affiliated store in the bansa. Do.

In addition, the affiliated store contact information provided in the affiliated store D / B 350 is the representative phone number (or affiliated store owner's phone number) of the affiliated store identified in the process of joining the affiliated store at the bansa, or the affiliated store owner's e-mail address. It is preferable to include at least one.

According to an embodiment of the present invention, the affiliated store contact information is a generic name of the affiliated store side contact means for contacting the affiliated store in a counseling institution that is confirmed to provide a consultation service for the affiliated store, and may be inferred by those skilled in the art in addition to the above-described contact information. And all kinds of contact information (eg, messenger ID information, personal homepage information, blog information, etc.).

The counseling item information provided in the counseling agency D / B 355 may be a loan counseling item for loan counseling of the merchant, a tax counseling item for tax counseling of the merchant, or insurance counseling for insurance counseling of the merchant. It is preferable to include at least one or more items, or employment counseling items for staff recruitment counseling of the merchant.

In addition, the counseling agency information provided in the counseling agency D / B 355 may include a name of a counseling agency capable of conducting professional counseling with respect to the affiliated store in response to the counseling item, main counseling item information of the counseling institution, and It is preferable to include at least one or more of the contact information of the counseling institution (for example, a telephone number or an e-mail address).

Here, among the counseling agency information, the main counseling item information of the counseling institution may be matched with various types of counseling information included in the counseling request information of the counseling relay request specialist received from the affiliated store terminal 365.

In addition, the counseling agency address information provided in the counseling agency D / B 355 may include address information (or business address information on the business registration certificate) of the counseling agency, which is confirmed in the process of consulting relay business between the bansa and the counseling agency. It is preferable to comprise.

In addition, the information of the counseling agency server 360 provided in the counseling agency D / B 355 may include merchant information and merchant contact information for an affiliated store that receives the counseling relay service in the process of consulting relay work between the bansa and a counseling agency. At least one server (or terminal) information (or counseling agency contact information) for receiving the information is preferably included.

Referring to FIG. 3, the bansa server 300 receives the counseling relay request message when the counseling relay request message is received from the affiliated store terminal 365 through the specialized receiver 310 for the counseling relay service. The professional information confirmation unit 325 (or professional information checking means) confirming the counseling item information, the affiliated store authentication information, the counseling request information and the affiliated store information included in the full text, and the verified merchant information, Merchant authentication unit 330 to verify the merchant authentication information for the merchant in connection with the affiliated shop D / B (350), and to authenticate the merchant requesting the counseling relay by comparing with the merchant authentication information included in the full consultation service request (Or affiliated store authentication means) and at least corresponding to the consultation item information and the consultation request information included in the consultation relay request full text in association with the consultation institution D / B 355. Counseling agency checking unit 335 (or counseling institution checking means) for checking at least one counseling agency information, and a professional generating unit 340 (or generating a full text) for generating a counseling relay result message including the confirmed counseling agency information. Means), and the generated consultation relay result text is transmitted to the affiliated store terminal 365 through the specialized transmission unit 315.

In addition, the bansa server 300 is authenticated by the affiliated store authentication unit 330 for the consultation relay service for the counseling relay service, the consultation agency confirmation unit 335 to consult the merchant When the institution information is confirmed, the affiliated store confirms the authenticated affiliated store contact information in association with the D / B 350 and the counseling institution corresponding to the confirmed consultation institution information in association with the consultation institution D / B 355. The server 360 checks the information, and transmits the affiliated store information, the affiliated store contact information, and the counseling request information included in the counseling relay request message through the communication network to the verified counseling institution server 360. (Or specialized transmission means) is characterized in that it is made.

When the counseling relay request message is received from the affiliated store terminal 365 through the specialized receiver 310 for the counseling relay service, the expert information checking unit 325 is included in the received counseling relay request message. Characterized in that the consultation item information and affiliated store authentication information, the consultation request information and the affiliated store information for each consultation item is confirmed.

When the affiliated store information and the affiliated store authentication information included in the counseling relay request full text are confirmed, the affiliated store authentication unit 330 is associated with the affiliated store information corresponding to the identified affiliated store information in association with the affiliated store D / B 350. And confirming the affiliated store authentication information, and comparing the confirmed affiliated store authentication information with the affiliated store authentication information included in the full text of the consultation relay request to authenticate the affiliated store requesting the consultation relay.

When the affiliated store requesting the counseling relay is authenticated, the counseling agency verification unit 335 is connected to the counseling agency D / B 355 to provide at least one counseling corresponding to the counseling item information included in the counseling relay request message. At least one of the main counseling item information of the counseling agency included in the confirmed counseling agency information corresponding to various counseling type information included in the counseling request information included in the counseling relay request message; Characterized in that the information of the counseling agency above.

According to the implementation method of the present invention, the counseling agency verification unit 335 checks affiliated store address information for the authenticated affiliated store in association with the affiliated store D / B 350, and then the counseling agency D / It is preferable to check at least one counseling agency information located at a short distance from the affiliated store address information among the counseling agency information identified based on the counseling item information and the counseling request information in connection with B (355).

When the affiliated store requesting the counseling relay is authenticated by the affiliated store authentication unit 330, and the counseling agency information about the affiliated store is confirmed by the counseling agency confirming unit 335, the specialized generation unit 340 confirms the above. Generating a full counseling relay result including counseling agency information (eg, counseling agency name, main counseling entity information of the counseling institution, contact information of the counseling institution, etc.), and generating the counseling relay result. The full text is transmitted to the affiliated store terminal 365 through the professional transmission unit 315.

Thereafter, the affiliated store receives a counseling service corresponding to the counseling request information through the counseling agency based on contact information of the counseling institution included in the counseling agency information.

In addition, when the affiliated store requesting the counseling relay is authenticated by the affiliated store authentication unit 330, and the counseling agency information about the affiliated store is confirmed by the counseling institution confirming unit 335, the information transmitting unit 345 may be used. Confirm the authenticated affiliated store contact information in association with the affiliated shop D / B 350 and provide information of the counseling agency server 360 corresponding to the verified counseling agency information in association with the counseling agency D / B 355. Characterized in that it is characterized in that, through the communication network to the identified counseling agency server 360, the merchant information and the merchant contact information and the counseling request information contained in the full text of the consultation relay request, and then the consultation The institution may perform a consultation service corresponding to the consultation request information through the affiliated store contact information.

4 is a diagram illustrating a counseling relay process through an affiliated store terminal 365 according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 includes counseling item information, merchant authentication information, counseling request information, and merchant information through an operation process of the merchant terminal 365 illustrated in FIG. 2 from the merchant terminal 365 illustrated in FIG. 1. Generate a counseling relay request message to be transmitted to the bansa server 300 shown in the counseling relay system shown in Figure 3, the bansa server 300 via the affiliated store authentication information and merchant information validity of the counseling relay service After the authentication, the process for providing the counseling agency information corresponding to the consultation item information and the consultation request information to the merchant terminal 365, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modified to Figure 4 may be inferred various implementation methods for the counseling relay process through the merchant terminal 365, the present invention is It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the affiliated store terminal 365 shown in FIG. 1 in FIG. 4 is referred to as a “terminal” for convenience.

Referring to FIG. 4, the terminal generates a full text of a counseling relay request including counseling item information, merchant authentication information, counseling request information, and merchant information through an operation process of the merchant terminal 365 illustrated in FIG. 2 (400). ), When the generated counseling relay request message is transmitted to the bansa server 300 connected to the terminal through a communication network (405), the bansa server 300 is affiliated with the merchant information included in the consultation relay request message and the merchant authentication information Based on the authentication of the consultation relay for the affiliated store affiliated with the affiliated store D / B (350) (410).

According to an embodiment of the present invention, the bansa server 300 checks affiliated store authentication information associated with affiliated store information corresponding to the verified affiliated store information in association with the affiliated store D / B 350 and checks the identified affiliated store. It is preferable to authenticate the affiliated shop requesting the counseling relay by comparing the authentication information and the affiliated store authentication information included in the full text of the consultation relay request.

If the counseling relay validity is not authenticated (415), the bansa server 300 generates a full text of the counseling relay result including the counseling relay validity error information and transmits it to the terminal (420).

On the other hand, if the validity of the consultation relay is authenticated (415), the bansa server 300 at least in accordance with the consultation item information and the consultation request information included in the consultation relay request in conjunction with the consultation agency D / B (355) Confirm one or more counseling agency information (425).

If at least one counseling agency information corresponding to the counseling item information and the counseling request information is not confirmed (430), the bansa server 300 generates a full text of a counseling relay result including counseling agency error information to the terminal. Transmit 435.

On the other hand, if at least one counseling agency information corresponding to the counseling item information and the counseling request information is identified (430), the bansa server 300 generates the full text of the counseling relay result including the identified at least one counseling agency information. In step 440, the generated counseling relay result message is transmitted to the terminal through a communication network, and the counseling agency information included in the counseling relay result message is output (445).

Subsequently, the bansa server 300 checks affiliated store contact information for the affiliated store in association with the affiliated store D / B 350 (450) and consults the affiliated store contact information with the confirmed counseling agency server 360. Provide item information and counseling request information (455), and then request a consultation from the affiliated store to the counseling agency based on the counseling agency information, or from the counseling institution to the affiliated store based on the affiliated store contact information; Will be provided.

5 is a diagram illustrating a consultation relay process through the affiliated store terminal 365 according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 includes consultation item information, affiliated store authentication information, consultation request information, and affiliated store information through an operation process of the affiliated store terminal 365 shown in FIG. 2 from the affiliated store terminal 365 shown in FIG. Generate a counseling relay request message to be transmitted to the bansa server 300 shown in the counseling relay system shown in Figure 3, the bansa server 300 via the affiliated store authentication information and merchant information validity of the counseling relay service After the authentication, the merchant terminal 365 checks at least one primary counseling agency information corresponding to the counseling item information and the counseling request information, and the affiliated store address among the identified primary counseling agency information. As a process for identifying at least one or more secondary counseling agency information in close proximity and providing the same to the affiliated store terminal 365, the technology to which the present invention pertains. If one of ordinary skill in the art, it will be able to infer various implementation methods for the counseling relay process through the affiliated store terminal 365 by referring to and / or modifying the figure 5, the present invention is all inferred implementation It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the affiliated store terminal 365 shown in FIG. 1 in FIG. 5 is referred to as a “terminal” for convenience.

Referring to FIG. 5, the terminal generates a full text of a counseling relay request including counseling item information, merchant authentication information, counseling request information, and merchant information through an operation process of the merchant terminal 365 shown in FIG. 2 (500). ), When the generated counseling relay request message is transmitted to the bansa server 300 connected to the terminal through the communication network (505), the bansa server 300 is the merchant information and the merchant authentication information included in the counseling relay request message Based on the authentication of the consultation relay for the affiliated store affiliated with the affiliated store D / B (350) (510).

If the counseling relay validity is not authenticated (515), the bansa server 300 generates a full text of the counseling relay result including the counseling relay validity error information and transmits it to the terminal (520).

On the other hand, if the validity of the consultation relay is authenticated (515), the bansa server 300 at least in accordance with the consultation item information and the consultation request information included in the consultation relay request in conjunction with the consultation agency D / B (355) At least one primary counseling agency information is identified (525).

If at least one of the first counseling agency information corresponding to the counseling item information and the counseling request information is not confirmed (530), the bansa server 300 generates a full text of a counseling relay result including counseling agency error information. The transmission to the terminal (535).

If at least one first counseling agency information corresponding to the counseling item information and the counseling request information is confirmed (530), the bansa server 300 is linked to the affiliated shop D / B 350 to the affiliated store address information. Check (540), confirm the counseling agency address information in association with the counseling agency D / B 355 (545), and compare the merchant address information with the counseling agency address information at least one close to the merchant; The above-described second counseling agency information is checked (550).

Subsequently, the bansa server 300 generates a full text of the counseling relay result including at least one second counseling agency information close to the affiliated store (555), and transmits the generated counseling relay result text to the terminal through a communication network. The transmission process is performed so that counseling agency information included in the full text of the counseling relay result is output (560).

Subsequently, the bansa server 300 checks affiliated store contact information for the affiliated store in association with the affiliated store D / B 350 (565) and consults the affiliated store contact information with the confirmed counseling agency server 360. Provide item information and counseling request information (570), and then request a consultation from the affiliated store to the counseling agency based on the counseling agency information, or from the counseling institution to the affiliated store based on the affiliated store contact information; Will be provided.

According to the present invention, by real-time consultation relaying the merchant and the accounting-related experts, tax-related experts, legal-related experts, etc. through the merchant terminal provided in each merchant, to various accounting, tax, legal services that may occur in the merchant The advantage is that you can respond immediately.

Claims

Inputting consultation item information including any one of accounting, taxing, legal, insurance, and recruiting services of the affiliated store, merchant authentication information for authenticating the affiliated owner, and consultation request information corresponding to the consultation item; An interface output unit for outputting an interface;

When the counseling item information, the affiliated store authentication information and the counseling request information are input through a key input means, a professional for generating a counseling relay request message including the inputted counseling item information, the merchant authentication information, the counseling request information, and the affiliated store information; Generation unit;

A professional transmission unit for transmitting the full text of the consultation relay request to a bansa server through a communication network; And

And a professional processing unit for receiving and outputting a counseling relay result message of at least one counseling agency information corresponding to the counseling item information and the counseling request information through the communication network. .

Counseling item information including any one of accounting, taxing, legal, insurance, and recruiting services of an affiliated store through a communication network from a merchant terminal, and affiliated store authentication information for authenticating the affiliated store owner and corresponding counseling items When the full text of the counseling relay request including counseling request information and affiliated store information is received, the affiliated store information and the affiliated store included in the full text of the counseling relay request in association with the affiliated store D / B provided in the bansa connected to the affiliated store terminal in the affiliated store authentication means Authenticating validity of the authentication information;

At least one or more items corresponding to the consultation item information and the consultation request information included in the counseling relay request message, which is validated in association with the counseling agency D / B, which stores counseling agency information for each counseling item in the counseling agency verification means. Checking counseling agency information close to the affiliated store among counseling agencies;

Generating a full text of a counseling relay result including the counseling agency information in a full text generating means; And

And transmitting the generated counseling relay result message in a specialized transmission means to the affiliated store terminal through the communication network.

A recording medium comprising a program for executing the method of claim 2.

Counseling item information including any one of accounting, taxing, legal, insurance, and recruiting services of an affiliated store through a communication network from a merchant terminal, and affiliated store authentication information for authenticating the affiliated store owner and corresponding counseling items When a counseling relay request message including counseling request information and affiliated store information is received, the affiliated store information and affiliated store authentication information included in the counseling relay request message in association with the affiliated store D / B provided in the bansa associated with the affiliated store terminal are received. Merchant authentication means for authenticating the validity;

Among the at least one counseling institution corresponding to the counseling item information and the counseling request information included in the counseling relay request message, which is validated in association with the counseling institution D / B, which stores counseling agency information for at least one counseling item, Counseling agency verification means for confirming counseling agency information close to the affiliated store;

Full-text generating means for generating a full text of a counseling relay result including the counseling agency information; And

And a specialized transmission means for transmitting the generated consultation relay result message to the affiliated store terminal through the communication network.