KR20090036632A - Device for processing realtime account transaction and recording medium - Google Patents

Device for processing realtime account transaction and recording medium Download PDF

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Publication number
KR20090036632A
KR20090036632A KR1020070101756A KR20070101756A KR20090036632A KR 20090036632 A KR20090036632 A KR 20090036632A KR 1020070101756 A KR1020070101756 A KR 1020070101756A KR 20070101756 A KR20070101756 A KR 20070101756A KR 20090036632 A KR20090036632 A KR 20090036632A
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KR
South Korea
Prior art keywords
information
payment
card
terminal
unit
Prior art date
Application number
KR1020070101756A
Other languages
Korean (ko)
Inventor
김인권
Original Assignee
주식회사 신한은행
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Priority to KR1020070101756A priority Critical patent/KR20090036632A/en
Publication of KR20090036632A publication Critical patent/KR20090036632A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking

Abstract

The present invention relates to a real-time account transfer processing terminal device and a recording medium therefor, the real-time account transfer processing terminal device according to the present invention uses a memory unit storing the merchant account information for payment payment and using a customer's cash card When the payment request, the information extraction unit for extracting (or confirming) the merchant account information stored in the memory unit, generating the full payment approval request message including the extracted merchant account information, the cash card information and payment amount information A full text generation unit and a full text transmission unit for transmitting the generated payment approval request full text to the server on the communication network.

Description

Real-time account transfer processing terminal device and recording medium therefor {Device for Processing Realtime Account Transaction and Recording Medium}

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

2 illustrates a process of confirming card information received from a payment terminal, generating a payment approval request message including payment amount information and deposit account information of a merchant, and transmitting it to a financial institution server.

3 illustrates a configuration of a cash card operating system for processing real-time payment settlement using a cash card according to an embodiment of the present invention.

4 is a diagram illustrating an affiliated store settlement information registration system of a face-to-face method for real time settlement settlement when using a cash card according to an exemplary embodiment of the present invention.

FIG. 5 is a diagram illustrating a configuration of affiliate store settlement information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for real-time settlement settlement processing when using a cash card according to an exemplary embodiment of the present invention.

FIG. 6 is a view illustrating a configuration of affiliate store settlement information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for real time settlement settlement processing when using a cash card according to another embodiment of the present invention. to be.

FIG. 7 is a diagram illustrating a configuration of affiliate store settlement information stored in a DBMS provided in a banking server in a face-to-face manner for real time settlement settlement processing when using a cash card according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of registering affiliate store settlement information in a face-to-face manner according to an embodiment of the present invention.

9 is a diagram illustrating a configuration of a cash card payment system for transferring a cash card payment to a real time merchant according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a payment approval and a real time transfer process through a cash card according to an embodiment of the present invention.

11A and 11B are diagrams illustrating a payment approval and a real time transfer process through a cash card according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a configuration of a cash card payment system for transferring a cash card payment to a real time merchant according to another embodiment of the present invention.

13 is a diagram illustrating a payment approval process through a cash card according to an embodiment of the present invention.

14 is a diagram illustrating a process of performing a real-time transfer process of a transaction amount and a reward amount corresponding to a transaction for which payment is approved by a transfer processing server according to an embodiment of the present invention to a deposit account of a merchant.

15 is a diagram illustrating a payment approval process through a cash card according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of performing a real-time transfer process of a transaction amount and a reward amount corresponding to a transaction for which payment is approved by a transfer processing server according to another embodiment of the present invention to a deposit account of a merchant.

<Description of main parts of drawing>

100: payment 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

140: print output unit 145: printing apparatus

150: memory unit 155: mode confirmation unit

160: information input unit 162: information extraction unit

165: professional generation unit 167: first encryption processing unit

169: second encryption processing unit 170: professional transmission unit

175: professional processing unit 305: financial company server

The present invention is a memory unit for storing the merchant account information for payment payment, the information extraction unit for extracting (or confirming) the merchant account information stored in the memory unit when the payment request using the customer's cash card, and the extracted Real-time account transfer processing including a full text generation unit for generating a payment approval request text including the merchant account information, the cash card information and payment amount information, and a specialized transmission unit for transmitting the generated payment approval request text to a server on a communication network It relates to a terminal device.

Currently, the generalized cash card payment method is operated by debit from the point of view of the user, but is usually postpaid from the point of view of the cardholder.

Therefore, in the case of a cash card franchisee, in case of a transaction settled by a stolen or lost card, a financial accident may occur in which the cash card franchisee cannot receive the transaction price from a financial institution due to the protection policy of the cash card user. There is a problem.

In addition, the cash card service in recent years, compared to the financial institutions that are in competition with each other, because it does not provide any more service advantage, it is a reality that it is difficult to attract the merchant customers of the corporate customer.

The purpose of the present invention for solving the problem is to extract (or check) the merchant account information stored in the memory unit, the memory unit is stored in the merchant account information for payment payment, and the payment request using the customer's cash card A full text generation unit for generating a payment approval request message including an information extraction unit, the extracted merchant account information, the cash card information and the payment amount information, and a text for transmitting the generated payment approval request message to a server on a communication network. The present invention provides a real-time account transfer processing terminal device having a transmission unit.

The real-time account transfer processing terminal device according to the present invention extracts (or confirms) the merchant unit information stored in the memory unit when a payment request is made using a memory unit storing merchant account information for payment of a payment and a customer's cash card. An information extracting unit, a professional generating unit for generating a payment approval request message including the extracted merchant account information, the cash card information and the payment amount information, and the generated payment approval request message to a server on a communication network; It is characterized by comprising a specialized transmission unit.

In addition, the real-time account transfer processing terminal device according to the present invention, the first encryption processing unit for encrypting the merchant account information stored in the memory and the second encryption processing unit for encrypting the payment approval request full text containing the encrypted merchant account information. It characterized in that it further comprises.

On the other hand, the above-mentioned real-time account transfer processing terminal apparatus includes a computer-readable recording medium having recorded thereon a program for executing the terminal function function unit.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a functional configuration of a payment terminal 100 having a payment mode according to an embodiment of the present invention.

In more detail, Figure 1 illustrates a payment terminal 100 having a payment mode for transmission to a financial institution server 305 for generating a payment approval request message including wage account information for payment processing using a cash card. As to the implementation method, those skilled in the art to which the present invention belongs, the payment approval request including payment account information for payment processing according to the use of a cash card by referring to or modifying this drawing 1 It is possible to infer the configuration of the various payment terminal 100 function for the transmission to the financial institution server 305, but the technical features of the present invention is not limited by the Figure 1, all inferred implementation method It is to be included.

Referring to FIG. 1, a payment terminal 100 having a payment mode for generating a payment approval request message including wage account information and transmitting it to a financial institution server 305 for payment processing using a cash card is basically provided. The control unit 105, the memory unit 150, the card reader unit 110, the key input unit 120, the screen output unit 115, the communication processing unit 130, the security application module 135, and the print output unit 140. ) And a power supply unit 125 for supplying power to the payment terminal 100, and includes at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 105 controls the overall operation of the payment terminal 100 in terms of function configuration, manages the flow of information or data between each component, and generates a payment terminal for generating a payment approval request message including wage account information. At least one processor and an execution memory (for example, a hardware including a central processing unit (CPU) / micro processing unit (MPU)). Register or RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and also from a predetermined recording medium to perform a function specific to the payment terminal 100 by software A predetermined program routine or program loading loaded into the execution memory and processed by the processor. From a predetermined program recorded on a recording medium provided in the payment terminal 100, or a functional configuration provided in the payment terminal 100 to generate a full payment approval request including wage account information. A component capable of being processed by software is shown in the control unit 105).

According to the exemplary embodiment of the present invention, the controller 105 outputs a component (eg, the memory unit 150, the card reader unit 110, the key input unit 120, and the screen output provided in the payment terminal 100). The 115 and the communication processing unit 130, the security application module 135 and the print output unit 140 or the terminal functional unit (not shown) according to the intention of those skilled in the art to interwork with the payment terminal 100 In addition to controlling and managing providing a defined electronic payment service, for payment processing according to the use of a cash card according to the present invention, a payment approval request message including wage account information is generated and transmitted to the financial company server 305. In order to control the components provided in the payment terminal 100 in conjunction with each other, or for payment processing according to the use of the cash card, the financial institution server 305 by generating a payment approval request message including wage account information. For transfer to It is preferable to execute a program recorded in the recording medium provided in the payment terminal 100.

The memory unit 150 may input / output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 100 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine and program data (for example, data input or output for the program routine to perform a predetermined function) that is required for the control unit 105 to perform a predetermined control function. It is done.

According to an exemplary embodiment of the present invention, the memory unit 150 stores the deposit account information for merchant payment processing in association with the terminal device unique number information.

Further, according to another exemplary embodiment of the present invention, the memory unit 150 associates predetermined terminal device unique number information (not shown) and deposit account information with the terminal device unique number information for merchant payment processing. You can also save.

The deposit account information (or merchant account information) stored in the memory unit is information corresponding to the deposit account of the merchant, and is included in the payment approval request text generated in the payment terminal 100 for the payment request of the cash card. The financial institution server 305 is preferably transmitted.

For payment processing according to the use of a cash card according to the present invention through the payment terminal 100, a customer receiving a payment approval request including a wage account information and providing a transfer to a financial institution server 305 is provided with ISO / MS (Magnetic Stripe) card based on IEC 7810 standard, contact IC card (or wireless IC chip) based on ISO / IEC 7816 standard, or contactless IC card (or wireless IC chip based on ISO / IEC 14443 standard) Possessing (or owning) a card including at least one), and the card reader unit 110 provides an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader unit 110 is an MS reader unit that provides an interface between the MS card and the payment terminal 100, or an interface between the contact IC card and the payment terminal 100. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the payment 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. It is characterized by interfacing the predetermined information or data to the payment terminal 100 from at least one track (Track) provided in the MS of the MS card by using the loading.

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) It is characterized in that the interface to the payment terminal (100).

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card using capacitive coupling or inductive coupling. It comprises an antenna, and supplies power to the IC chip of the IC card through the antenna, and a predetermined information or data from the IC chip through the half-duplex transaction using the APDU payment terminal ( Interfacing to 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 the electronic payment service defined in the payment terminal 100. It is preferable to read the payment means information corresponding to the payment means including the cash card), and also to generate a payment approval request message including wage account information for payment processing according to the use of the cash card according to the present invention. It is preferable to read predetermined card information from at least one or more cards for transmission to the financial institution server 305.

The card information includes at least one card number (eg, 16-digit card number), expiration date information (some may be omitted), and card issuer information (or code) corresponding to the card.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information may include a period (or an expiration date) in which the cash card can be used, and may be omitted when the expiration date does not exist in the cash card, and thus the present invention is not limited thereto. .

The card issuer information (or code) preferably comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the cash card to the customer.

The key input unit 120 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Information (or a signal) inputted from the terminal, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or an operation mode of the payment terminal 100 controlled by the controller 105. When a (or a signal) is input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 105. The controller 105 is Acquiring predetermined key data corresponding to the key event in the current input mode or operation mode of the payment terminal 100, or executing a predetermined function matched with the key event. Characterized in that for obtaining instruction. The key input unit 120 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the payment 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, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an exemplary embodiment of the present invention, the key input unit 120 may use key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the payment terminal 100. It is preferable to perform the function of the key input means for receiving the input, etc. Also, for the payment processing according to the use of the cash card according to the present invention, the financial institution server 305 by generating a full payment approval request including wage account information At least one or more key data required in the process of providing a payment approval request message including wage account information for transmission to the financial institution server 305 for payment processing according to the use of the cash card from the key input device. 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, a key input device corresponding to the key input unit 120 may set the operation mode of the payment terminal 100 in the initial mode or in the general payment mode to make payment according to the use of a cash card according to the present invention. For processing, it is preferable that a key button for generating a payment approval request message including wage account information and switching to a payment mode for transmission to the financial institution server 305 is preferable.

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

Predefined information or data to be output from the payment terminal 100 to the screen output device, by the key data input through the key input unit 120, or by a component provided in the payment terminal 100 At least one or more information (or data) stored or generated, information (or data) transmitted / received through the communication processor 130, or (or data) corresponding to a predetermined operation result performed by the payment terminal 100. It is made to include.

According to a preferred embodiment of the present invention, the screen output unit 115 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 100. It is preferable to perform the function of the screen output means, and also for the payment processing according to the use of the cash card in accordance with the present invention, generating a payment approval request message including wage account information for transmission to the financial company server (305) A function of the screen output means for generating a payment approval request message including wage account information and outputting the processing screen corresponding to the transfer providing step to the financial institution server 305 for payment processing using the cash card using the screen output device. It is preferable to carry out.

The communication processor 130 may include a financial company server that is connected through a payment network (eg, a value added network (VAN)) while the payment terminal 100 performs a predetermined function (for example, an electronic payment processing function). 305) or connecting a communication session with a terminal (or device) connected to the payment terminal 100 through a predetermined cable or a terminal (or device) connected to the payment terminal 100 through a predetermined short-range wireless communication. It provides a predetermined communication means for, and communicates with a predetermined terminal (or device) through a network communication unit, or a predetermined cable communication port for connecting a predetermined communication channel with a financial company server 305 on a wired or wireless network A predetermined communication session with a predetermined short distance communication terminal (or device) device through a cable communication unit for connecting a session, or at least one short range wireless communication means. It comprised, including the short-range wireless communication unit for connection, by software comprises a communication protocol or a driver for connecting the communication channel (or communication session).

The network communication unit includes a predetermined wired network or a mobile communication network or wireless data including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Modem for connecting a communication channel with a financial company server 305 on a wired or wireless network through a predetermined wireless network including a communication network, the hardware for connecting the payment terminal 100 to a predetermined wired or wireless network ( Modem) or NIC (Network Interface Card), and comprises a communication protocol or driver for connecting the payment terminal 100 to the wired or wireless network by software.

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 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 It includes a predetermined short range wireless communication module for a short range wireless communication, and comprises a communication protocol or 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 that mounts or detaches a predetermined wireless IC chip.

The secure application module 135 (SAM) is a confidentiality, authentication, or integrity required by the payment terminal 100 to perform an electronic payment or electronic payment using the card. Security requirements, including Integrity) or nonrepudiation, etc. in a secure and reliable structure within the payment terminal 100 without using an authentication server (or a financial institution server 305) on the payment network. As a safety device, the payment terminal 100 encrypts or decrypts a predetermined message (information or data) that is processed in the process of performing a predetermined security request function (for example, an electronic payment or electronic payment function). A device that adds an authenticator to prevent forgery (or tampering), or stores important information in the process of performing the security request function. It is characterized by performing the 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 Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

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 payment terminal 100 to perform a predetermined security request function ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove) Command) is preferably provided.

The print output unit 140 may process the payment terminal 100 to perform a predetermined function (for example, an electronic payment processing function) or predetermined information or data generated as a result (for example, payment processing result information or data). To a predetermined printing device (for example, a receipt printer), and comprises a printing protocol and a driver for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. .

Referring to Figure 1, the payment terminal 100 generates a full payment approval request including payment account information for payment processing according to the use of the cash card according to the present invention to provide a transfer to the financial company server 305 for,

Mode for checking whether the operation mode of the payment terminal 100 is a payment mode corresponding to transmission to the financial institution server 305 by generating a payment approval request message including wage account information for payment processing using the cash card. Confirmation unit, and if the operation mode of the payment terminal 100 is the payment mode as a result of the check, through the card reader 110 for payment processing according to the use of the cash card from the customer card, wage account information Generates a payment approval request message including a predetermined message information for transmission to the financial institution server 305 or input, or by using the cash card from the predetermined key input means through the key input unit 120 For payment processing, create a payment approval request message including wage account information and input card information and payment amount information for transmission to the financial institution server 305, or For payment processing according to the use of the cash card from the at least one terminal (or device) through the cable communication unit or short-range wireless communication unit, generating a payment approval request message containing wage account information and transmits to the financial company server 305 An information input unit for extracting and inputting card information, payment amount information, terminal device unique number information, and deposit account information, and deposit account information of merchants stored in the memory unit when the customer requests a payment using a cash card; A payment approval request including at least one information extracting unit 162 for extracting (or checking) the card information, the card information inputted through the information input unit, payment amount information, unique terminal information, and deposit account information; A full text generation unit for generating a full text, a first encryption processing unit 167 for encrypting deposit account information included in the generated full text, and The second encryption processing unit 169 encrypting the generated payment approval request text and the generated payment approval request text (or the encrypted payment approval request text) through the communication processor 130 on the financial company on the payment network. Receives a payment approval message including a payment processing details corresponding to the full payment approval request from the financial company server 305 on the payment network through the communication transmission unit for transmitting to the server 305 and the communication processing unit 130 and In addition, the payment processing details included in the payment approval full text may be output through the screen output unit 115, or may be provided with a specialized processing unit which prints out the print output unit 140.

The mode checking unit includes a payment approval request message including wage account information for the payment processing according to the use of the cash card at the periodical (or in response to the payment mode switching key event) operation mode of the payment terminal 100. It is characterized in that the check whether the payment mode corresponding to the transmission to the financial institution server 305.

If the check result is that the operation mode of the payment terminal 100 is not the payment mode, the payment terminal 100 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 100 is the payment mode. If it is confirmed as, the mode confirmation unit outputs the payment mode check result through the screen output unit 115, and then provides to the information input unit.

The information input unit generates a payment approval request message including wage account information for payment processing using the cash card and processes an electronic payment corresponding to a payment mode for transmission to a financial institution server 305. The card reader unit 110 generates a payment approval request message including wage account information for payment processing based on the use of the cash card and reads predetermined card information for transmission to the financial institution server 305. Characterized in that the input, the input card information is provided to the full text generation unit.

The information input unit may generate a payment approval request message including wage account information and process an electronic payment corresponding to a payment mode for transmission to a financial institution server 305 for payment processing using the cash card. Card information for generating a payment approval request message including wage account information for payment processing according to the use of the cash card from the predetermined key input unit through the key input unit 120 and transmitting to the financial company server 305 And inputting payment amount information, wherein the input card information and payment amount information are provided to the full text generation unit.

The information input unit may generate a payment approval request message including wage account information and process an electronic payment corresponding to a payment mode for transmission to a financial institution server 305 for payment processing using the cash card. In order to process the payment according to the use of the cash card from the at least one terminal (or device) through the cable communication unit or the short range wireless communication unit, a payment approval request message including wage account information is generated and transmitted to the financial institution server 305. And extracts and inputs card information, payment amount information, terminal device unique number information, and deposit account information for the card information, payment amount information, terminal device unique number information, Deposit account information is provided to the full text generation unit.

The information extracting unit extracts the deposit account information of the affiliated store stored in the memory unit 150 when the customer requests a payment using a cash card, thereby generating a payment approval request message including the deposit account information in the specialty generating unit. Characterized in that it allows to.

The full text generation unit includes at least one of the card information, the payment amount information, the terminal device unique number information, and the deposit account information extracted from the memory unit 150 by the information extracting unit 162, input through the information input unit. Characterized by generating a payment approval request full text including, and provides the generated payment approval request full text to the specialized transmission unit.

The first encryption processing unit 167 encrypts the payment account information generated on the full text of the payment approval request generated through the full text generation unit (or when generating the payment approval request full text in the full text generation unit).

According to the embodiment of the present invention, a method of encrypting the deposit account information to be included in the full payment approval request through the first encryption processing unit 167 is a symmetric key method, public key method, electronic envelope method, key exchange There is a base method, and those skilled in the art to which the present invention pertains will clearly understand the encryption method and will also be familiar with specific technical matters, and thus the detailed description thereof will be omitted for convenience.

The second encryption processing unit 169 encrypts the generated payment approval request full message when the payment approval request full text is generated through the full text generation unit.

According to the exemplary embodiment of the present invention, the second encryption processing unit 169 encrypts the payment approval request full text by using a symmetric key method, a public key method, an electronic envelope method, and a key exchange based method. Those skilled in the art to which the present invention pertains will clearly understand the encryption scheme and will also be familiar with the technical details thereof, and thus the detailed description thereof will be omitted for convenience.

For reference, according to the exemplary embodiment of the present invention, the payment approval request text has been described as being double encrypted through the first encryption processing unit and the second encryption processing unit, but according to another embodiment of the present invention, The payment approval request message may be transmitted to a predetermined financial institution server through an encryption process by a predetermined single encryption processing unit (not shown), or may be transmitted to a predetermined financial institution server without encryption processing by another embodiment of the present invention. It can also be.

The specialized transmission unit transmits the payment approval request message generated by the specialized generation unit to the financial company server 305 on the payment network through the communication processing unit 130, and correspondingly, the financial company server 305 ) A predetermined payment processing procedure for generating a payment approval request text including wage account information for providing payment to the financial institution server 305 for payment processing using the cash card through the payment approval request text. After performing the payment processing, a payment processing history corresponding to one of payment approval details or payment error details corresponding to the payment processing result is generated, and a predetermined payment approval full text including the payment processing history is generated to generate the payment network. Send to the payment terminal 100 through.

After the payment approval request message is transmitted to the financial institution server 305 through the specialized transmission unit, the specialized processing unit transmits the payment approval request message from the financial company server 305 on the payment network through the communication processing unit 130. Periodically (or in response to the full text reception event of the communication processing unit 130), a payment approval text including a corresponding payment processing history is received.

If the payment approval message including the payment processing history corresponding to the payment approval request text is received through the communication processor 130, the specialized processing unit is a payment processing history (eg, payment approval details) included in the payment approval text. , Or a description of a payment error) through the screen output unit 115 or through a print output unit 140 to output the print. In addition, the electronic payment procedure for generating a payment approval request message including wage account information and transmitting it to the financial institution server 305 is completed.

2 illustrates a process of confirming the card information received from the payment terminal 100 and generating the full payment approval request message including the payment amount information and the deposit account information of the merchant and transmitting it to the financial company server 305.

In more detail, FIG. 2 shows that the payment terminal 100 receives the card information received from the payment terminal 100 through a predetermined card reader and checks the card information, and configures the payment terminal 100. After receiving and confirming the payment amount information through a predetermined key input unit, in the process of generating a payment approval request message including the card information and the payment amount information, deposit account information of the affiliated store having the payment terminal 100. It includes a process for transmitting to the financial company server 305, if one of ordinary skill in the art to which the present invention belongs, the card received by the payment terminal 100 by referring to or modifying the drawing 2 After confirming the information, it is possible to infer various implementation methods for generating the payment approval request message including the payment amount information and the deposit account information of the merchant and providing it to the financial institution server 305. Would, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 2.

2, the payment terminal 100 receives and confirms the card information received through the card reader unit, and the payment terminal 100 receives and confirms the card information received through the card reader unit (200). The payment terminal 100 receives and confirms payment amount information received through the key input unit (205).

Thereafter, the payment terminal 100 extracts the deposit account information of the merchant to receive the payment amount corresponding to the full payment approval request from the memory unit inside the payment terminal 100 (210), the card information, The payment terminal generates a payment approval request text including the payment information and the payment account information (215), and transmits the payment approval request text generated in the payment terminal 100 to the financial company server 305 (220) payment terminal Checking the card information received at (100) and terminates the process of generating a payment approval request text including payment information and payment account information of the merchant and the transfer to the financial company server (305).

3 illustrates a configuration of a cash card operating system for processing real-time payment settlement using a cash card according to an embodiment of the present invention.

More specifically, Figure 3 is a configuration of a cash card operating system for processing real-time payment settlement using a cash card using a predetermined card terminal device unique number information and merchant deposit account information, the present invention belongs to Those skilled in the art, various implementation methods for the configuration of the cash card operating system for processing real-time payment settlement using the cash card by referring to or modifying the configuration of the Hyundai card operating system shown in FIG. It can be inferred, but the present invention is characterized in that it comprises all the implementation method inferred, and is not limited to the configuration of the cash card operating system shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the cash card operating system includes a predetermined number of card terminal device unique numbers so that real-time account transfer to the affiliated store can be processed through a payment approval-related full text when using a cash card. The cash card using the information registration server 300 for registering the merchant settlement information including at least one deposit account information in a predetermined merchant D / B, and the card terminal device unique number information included in the payment request message The financial company server 305 which processes payment approval for the payment amount generated by the use, transfers the payment amount in real time to the deposit account of the merchant, and transfers 1% of the payment amount to a reward account; Comprising at least one or more financial systems opened a payment account and the payment account of the customer using the cash card It characterized.

The information registration server 300, at least one of the card terminal device unique number information and the payment account information for a real-time payment settlement processing when the customer uses the cash card to the merchant payment information registration system through a predetermined information registration interface When providing the affiliated store settlement information including the above, the affiliated store settlement information registration system stores the information on the card terminal device unique number information included in the provided affiliated store settlement information and the deposit account information in a predetermined storage medium. It is done.

The financial company server 305 checks whether the payment for the payment generated by the use of the cash card is approved when the payment is processed through the predetermined offline payment channel using the cash card issued through the predetermined card issuing system. It is characterized by processing the merchant payment settlement in real time by processing the real-time transfer of the processed payment amount to the merchant account.

The financial system stores and operates the ledger information corresponding to the customer account or the deposit account, and performs a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window). To an accounting system for processing, an information system for processing headquarters operations, branch office information support and customer information management, and an interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network. Access to the financial system from at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), or at least one common network (e.g. Network, financial common network) In addition, the financial system is the interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and required for the performance of each function in the components in the financial system And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (for example, ledger information, customer information, or management information).

In FIG. 3, the cash card operating system is illustrated and described as an information registration server 300 and a financial company server 305. However, the present invention is not limited thereto. In the present invention, the cash card operating system includes one server ( Or a device) or at least two or more servers (or devices), and may be implemented in a separate server form for each component constituting each of the servers shown above according to the intention of a person skilled in the art. It is to be clarified.

4 is a diagram illustrating a face-to-face merchant registration information registration system for real-time payment settlement processing when using a cash card according to an embodiment of the present invention.

In more detail, Figure 4 is a predetermined customer registration information registration interface through a predetermined customer registration information registration system when using the cash card includes at least one card terminal device unique number information and deposit account information for real-time payment settlement processing When providing the merchant settlement information, the merchant settlement information registration system for the system configuration for storing the predetermined number and the card terminal device unique number information included in the provided merchant settlement information and deposit account information in a predetermined storage medium As those skilled in the art to which the present invention pertains, various implementation methods for the establishment of a merchant settlement information registration system for real time payment settlement processing when using a cash card may be inferred by referring to or modifying the drawing 4. However, the present invention is directed to all methods of inferring the above. It is not limited to the implementation method shown in FIG.

Hereinafter, a component corresponding to at least one or more means or function configuration for storing the merchant settlement information provided from the customer on the storage medium through a predetermined information registration interface on the merchant settlement information registration system shown in FIG. For convenience, it is referred to as "information registration server 300".

Referring to FIG. 4 according to an embodiment of the present invention, the merchant settlement information registration system for real time payment settlement processing when using the cash card includes an information registration terminal including a teller terminal provided in at least one financial institution branch. The information registration terminal is connected to the information registration server 300 provided on the affiliated store settlement information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for real-time payment settlement processing when using the cash card, and the cash card through a window (or through a cashier) provided at the financial institution branch. If you fill out a certain application form (e.g., a document with a form for filling in at least one information item for real-time payment settlement processing when using a cash card) and submit the completed application form to the clerk The clerk enters (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal transmits the input (or select) the information on the affiliated store settlement information registration system through the financial network. It is preferable to transmit to the information registration server 300 provided in.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 300 connected to the teller terminal is ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 300 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 300. Do.

In the merchant settlement information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 300 are the customer's cash card. In use, it functions as an information registration interface for registering merchant settlement information for real-time payment settlement processing.

The storage medium provided on the affiliated store settlement information registration system according to the present invention stores a predetermined number by integrating the card terminal device unique number information included in the affiliated store settlement information provided from the information registration terminal and deposit account information. Characterized in that the storage on the medium, the card terminal device unique number information stored in the storage medium and the merchant payment information including at least one or more deposit account information is used for real-time payment settlement processing when using the cash card.

The card terminal device unique number information is information including a unique number assigned to each card terminal device of the affiliated store. The financial company server 305 shown in FIG. 1 checks the card terminal device code number number and directly. Characterized in that the payment account information corresponding to the unique number information of the card terminal device.

The deposit account information is characterized by displaying the deposit account information, including the deposit account of the merchant.

According to an exemplary embodiment of the present invention, the storage medium is a predetermined affiliated store D / B provided on the affiliated store settlement information registration system (or associated with the affiliated store settlement information registration system) or is provided in a DBMS on a financial system. Preferably, the storage medium may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the merchant settlement information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The information registration server 300 provided on the affiliated store settlement information registration system according to the present invention is a generic term for the components of the affiliated store settlement information registration system connected to the information registration terminal through a predetermined financial network, and includes at least one or more components. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 300 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 400 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 400 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 4, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 400 after a predetermined information registration terminal is connected to the interface unit 400. An interface providing unit 405 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined affiliate store settlement information from the information registration terminal and providing the information registration terminal to the information registration terminal; The information receiving unit 410 for receiving predetermined merchant settlement information input (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the unit 400, and validates the received merchant settlement information. Opening the validity check unit 415 to confirm, the card terminal device unique number information and the payment account information included in the merchant checkout information confirmed validity Processing is characterized in that formed by an information storage unit 420 for storing a predetermined storage medium.

The interface providing unit 405 connects a communication channel with the information registration server 300 through the interface unit 400 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) merchant settlement information and transmitting it to the information registration server 300 through the financial network, or extracting from a predetermined database (not shown), and the interface unit ( In operation 400, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, predetermined information including at least one user interface for inputting (or selecting) the affiliated store settlement information to the information registration terminal and transmitting the information to the information registration server 300 through the financial network. When the registration program is provided, the interface providing unit 405 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) affiliate store settlement information including at least one of the card terminal device unique number information and the deposit account information based on the user interface, and the entered (or selected) affiliate store The settlement information is transmitted to the information registration server 300 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 405 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 400.

The information receiving unit 410 inputs (or selects) the merchant terminal settlement information including at least one card terminal device unique number information and deposit account information from the information registration terminal and transmits it through the financial network. In this case, the affiliated store settlement information is received in connection with the interface unit 400, and the received affiliated store settlement information is provided to the validity check unit 415.

The validity check unit 415 is characterized in that the merchant settlement information received from the information registration terminal confirms the validity for the real-time payment settlement processing when using a cash card.

According to an embodiment of the present invention, the validation of the affiliated store settlement information includes registering at least one ledger information matching the affiliated store settlement information in the ledger D / B on the financial system associated with the affiliated store settlement information registration system. It is preferable to include checking whether there is.

For example, the validation of the merchant settlement information includes checking whether the deposit account information included in the merchant settlement information matches an account ledger stored in the ledger D / B on the financial system linked to the merchant settlement information registration system. It is preferable to make it.

When the validity of the affiliated store settlement information is confirmed, the information storage unit 420 stores the card terminal device unique number information and the deposit account information in association with the affiliated store settlement information and stores it in the storage medium. If the storage medium is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit 420 is included in the received merchant settlement information. It is preferable that the card terminal device unique number information and the deposit account information are processed in association with each other and stored in the storage medium. When the storage medium is provided in a DBMS provided on the financial system, the information storage unit 420 Financial information by providing the card terminal device unique number information and the deposit account information included in the received merchant payment information to the information system through the external system on the financial system. It is desirable to store in a DBMS provided on the stem.

5 is a view showing the configuration of the merchant settlement information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for real-time settlement settlement processing when using a cash card according to an embodiment of the present invention.

In more detail, in FIG. 5, when the storage medium shown in FIG. 4 is a ledger D / B provided in a DBMS on a financial system, the card terminal device unique number information and the ledger information provided in the ledger D / B; An information structure for one embodiment of a method for storing affiliated account settlement information including deposit account information is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains is referred to or modified with reference to FIG. Various information configuration methods for storing the merchant settlement information in / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 5 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, loan ledger, mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the merchant settlement information provided through the merchant settlement information registration system shown in FIG. 4 is stored in the form of additional information added to the account ledger, and the merchant settlement information is unique to the card terminal device. Characterized in that it comprises at least one or more information, and the payment account information.

The deposit account information is characterized in that when using the cash card, the payment amount corresponding to the use of the cash card can be transferred in real time to the deposit account of the merchant.

According to another exemplary embodiment of the present invention, the affiliated store settlement information is stored in the form of information included in the account ledger (not shown), or additional information added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

Figure 6 is a configuration of the merchant settlement information stored in the database associated with the ledger D / B (600) provided in the DBMS on the financial system in a face-to-face manner for real-time settlement settlement processing when using a cash card in accordance with another embodiment of the present invention Figure is shown.

In more detail, FIG. 6 shows information on an exemplary method in which the storage medium 605 shown in FIG. 4 is stored in a predetermined database linked to the ledger D / B 600 provided in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may refer to or modify the drawing 6 and store the affiliated store settlement information in a predetermined database in association with the ledger D / B 600. Various information configuration methods can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, FIG. 6 shows that when it is not easy to store the affiliated account settlement information in the ledger information of the ledger D / B 600 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). It is not easy to change / B (600), or the system is not easy to expand due to the nature of the financial system), and store the merchant settlement information in a predetermined database instead of the ledger D / B (600), The implementation method of storing a database and the ledger D / B 600 in association is shown.

In addition, the database shown in FIG. 6 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 6, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 6, the database stores and stores the card terminal device unique number information included in the affiliated store settlement information and the deposit account information in association, and the affiliated store settlement information is stored in the ledger D / B 600. It is preferable that the CIF number corresponding to the ledger information is further included in the affiliated store settlement information in order to be processed in association with).

The deposit account information is characterized in that when using the cash card, the payment amount corresponding to the use of the cash card can be transferred in real time to the deposit account of the merchant.

7 is a view showing the configuration of the merchant settlement information stored in the DBMS provided in the banking server in a face-to-face manner for real-time settlement settlement processing when using a cash card according to another embodiment of the present invention.

In more detail, Figure 7 shows that the storage medium shown in Figure 4 is provided in a DBMS provided in a banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As to one embodiment, those skilled in the art to which the present invention pertains, refer to or modify the figure 7 for the merchant settlement information stored in a predetermined DBMS provided in at least one or more banking server Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, the predetermined DBMS provided in the banking server is characterized by storing the card terminal device unique number information and the deposit account information in association with the affiliated store settlement information.

The deposit account information is characterized in that when using the cash card, the payment amount corresponding to the use of the cash card can be transferred in real time to the deposit account of the merchant.

8 is a diagram illustrating a process of registering affiliate store settlement information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 8 shows that the information registration server 300 on the affiliated store settlement information registration system shown in FIG. 4 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the teller terminal accesses the information registration server 300 and connects a communication channel for registration of merchant settlement information according to the present invention, and then the card to the information registration server 300 through the communication channel. When the affiliated store settlement information including the terminal device unique number information and the deposit account information is transmitted, the card registration information unique to the card terminal device included in the received merchant settlement information received from the information registration server 300, and the deposit account information. An embodiment of the present invention relates to a method of storing a predetermined storage medium in a cooperative process, and a person skilled in the art may refer to FIG. 8. Alternatively, the present invention may infer various implementation methods for registering the affiliated store settlement information from the counter terminal to the information registration server 300, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implementation method shown.

Hereinafter, in FIG. 8, the window terminal shown in FIG. 4 is referred to as "terminal" for convenience, and the information registration server 300 shown in FIG. 4 is called "server" for convenience, and the information registration in the window terminal. The card terminal device unique number information and the deposit account information transmitted to the server 300 are referred to as "merchant settlement information" for convenience.

Referring to FIG. 8, the teller terminal shown in FIG. 4 accesses the server through a predetermined financial network, connects a predetermined communication channel for registering the affiliated store settlement information, and performs real-time payment settlement processing when using the cash card. When requesting registration of the affiliated account settlement information (800), the server generates (or extracts) a predetermined information registration interface for registering the affiliated account settlement information (805), and generates the generated (or The extracted information registration interface is transmitted and output to the terminal (810).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) merchant card settlement information including at least one of the card terminal device unique number information and the deposit account information in the terminal. It is preferable.

Thereafter, the terminal inputs (or selects) at least one card terminal device unique number information and affiliated store settlement information including payment account information through the information registration interface (815).

If the terminal receives (or selects) merchant card settlement information including the card terminal device unique number information and the deposit account information through the information registration interface (820), the terminal receives the input through the financial network ( Alternatively, the terminal transmits the affiliated store settlement information including the card number unique to the card terminal device and the payment account information to the server (825).

Thereafter, the server receives and reads the card terminal device unique number information and the deposit account information through the financial network to check the validity of the affiliated store settlement information (830).

According to an embodiment of the present invention, the validation of the affiliated account settlement information may include determining whether at least one ledger information matching the affiliated store settlement information is registered in the ledger D / B on the financial system associated with the affiliated store settlement information registration system. It is preferable to include checking.

For example, the validation of the merchant settlement information includes checking whether the deposit account information included in the merchant settlement information matches an account ledger stored in the ledger D / B on the financial system linked to the merchant settlement information registration system. It is preferable to make it.

If the validity of the affiliated store settlement information is not authenticated (835), the server generates predetermined information registration error information and transmits it to the terminal (840), and does not perform an information registration procedure corresponding to the affiliated store settlement information. Do not.

On the contrary, if the validity of the affiliated store settlement information is authenticated (835), the server performs an information registration procedure corresponding to the affiliated store settlement information, thereby linking the card terminal device unique number information and the deposit account information to a predetermined value. Store in a storage medium (845).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the merchant settlement information registration system (or associated with the merchant settlement information registration system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the merchant settlement information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (850), thereby completing the procedure of registering the affiliated store settlement information transmitted from the terminal.

9 is a diagram illustrating a configuration of a cash card payment system for transferring a cash card payment to a real-time merchant in accordance with an exemplary embodiment of the present invention.

In more detail, in Figure 9, when the payment processing through a predetermined offline payment channel using a cash card issued through a predetermined card issuing system, it confirms whether or not to approve the payment generated by the use of the cash card, the approval processing Regarding the cash card payment system that processes the settlement payment settlement in real time by real-time transfer processing the payment amount to the merchant account, if you have a general knowledge in the technical field to which the present invention belongs, It will be able to infer various implementation methods for the configuration of the cash card payment system through the cash card, but the present invention includes all the implementation methods inferred, the technical features of only the implementation method shown in FIG. It is not limited.

Referring to FIG. 9, the offline card payment system using the cash card includes a payment terminal 100 provided at a predetermined offline affiliated store and a financial company server 305 for processing payment approval for the cash card and the payment terminal 100. ) And a communication network (eg, a Value Added Network (VAN)) connecting the financial institution server 305.

Although the financial company server 305 including at least one financial company server 305 on the offline card payment system through the cash card is illustrated as one server in FIG. 9, this is for effectively explaining the technical features of the present invention. If only the implementation method, the various functional components constituting the financial institution server 305 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The payment terminal 100 on the offline card payment system is characterized in that it comprises at least one or more CAT (Credit Authorization Terminal), or POS (Point Of Sales) terminal with a payment function, at least one cardie Further, by reading predetermined card information from the cash card, inputting a payment amount and the like through a predetermined key input device, and generates a full payment approval request message including the card information, the payment amount and the merchant information It is characterized in that for transmitting to the financial institution server 305 through the communication network (for example, VAN).

In addition, the financial company server 305 on the offline card payment system, characterized in that it comprises at least one or more servers provided in the card company for processing the payment approval for the cash card, the payment terminal 100 And receiving a payment approval request message including the card information, the payment amount, and the affiliated store information from the payment information, and processing the payment amount included in the payment approval request message through the cash card.

In addition, the communication network connecting the payment terminal 100 and the financial company server 305 in the offline card payment system, at least one or more between the payment terminal 100 and the financial company server 305 based on at least one backbone network It characterized in that it comprises at least one bansa server (not shown) and wired and wireless communication network for relaying payment-related full text.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal 100 and the technical features of the conventional financial company server 305, and connects the payment terminal 100 and the financial company server 305 Since you will be familiar with the technical features of the communication network to the detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the financial company server 305 is the customer information issuing the cash card through the card issuing system (not shown), the card information corresponding to the cash card issued to the customer and the A predetermined DBMS having predetermined card information D / B 965 for storing and processing card attribute information and payment account information corresponding to the cash card, or a predetermined DBMS for operating the card information D / B 965; It is preferable to interlock or to interlock with a DB server (not shown) provided with the card information D / B 965.

The customer information may include personal information (eg, customer name, resident registration number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the customer who issued the cash card through the card issuing system (not shown), At least one member information (eg, member ID information) of the customer is preferably included.

Preferably, the card information includes a predetermined card number corresponding to a cash card issued to the customer through the card issuing system (not shown), and the card issuing institution information (eg, card issuing institution number ( Or code)) and card type information (for example, a card identification number (or code) and an expiration date information (some may be omitted) for the cash card).

The card attribute information may include a payment attribute (eg, debit type) for a cash card issued to the customer through the card issuing system (not shown), a royalty attribute including a mileage accumulation policy for the cash card, and the At least one or more additional service attributes associated with the cash card is preferably included.

The payment account information includes information for confirming a limit amount for approval of payment for a payment amount using the cash card according to a payment means characteristic corresponding to the cash card or a payment attribute of the cash card. desirable.

According to an embodiment of the present invention, the payment account information is linked with the financial system to check the balance information of the payment account for which the cash card is settled, so that the balance information of the real time payment account confirmed through the financial system is Characterized in that it can be applied as the card limit of the cash card.

Referring to FIG. 9, the financial institution server 305 may establish a communication channel for transmitting and receiving payment-related professional communication with at least one payment terminal 100 through a communication network including at least one value-added communication network (VAN) or a financial common network. A professional receiving unit for receiving a payment approval request message including at least one card information, payment amount and merchant information from the payment terminal 100 in connection with the interface unit 900 for connection and management, and the interface unit 900. 905 and a specialized transmission unit 910 for transmitting a payment approval result text corresponding to the payment approval request message to the payment terminal 100 in association with the interface unit 900. .

When the payment terminal 100 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. In operation 905, the payment approval request message is received in association with the interface unit 900.

If the payment approval procedure corresponding to the full payment approval request message is completed in the financial company server 305 and a payment approval result message including a predetermined payment processing history is generated, the full text transmission unit 910 is the interface unit ( 900, the payment approval result information may be transmitted to the payment terminal 100.

Those skilled in the art to which the present invention pertains will be familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network or the financial common network. Is omitted for convenience.

Referring to FIG. 9, when the financial institution server 305 receives the full payment approval request message including the card information, the payment amount, and the affiliated store information from the payment terminal 100, the received payment information is received through the information receiving unit. The card information checking unit 915 for checking whether the card information included in the full text of the authorization request matches the card information issued through the card issuing system (not shown), and the card information included in the full text of the payment approval request. When matched with the card information provided in the card information D / B (965), by comparing the payment amount information and the payment amount associated with the card information in connection with the card information D / B (965) through the cash card The payment approval processing unit 920 for processing the payment approval of the payment amount, and the payment terminal 100 unique number information of the merchant delivered with the full payment approval request received by the professional receiving unit 905 Check the payment terminal unique number identification unit 925 to analyze and read from the full approval request, and the card terminal device unique number information read by the payment terminal unique number identification unit 925, and stored in the merchant D / B The account information verification unit 930 for confirming the deposit account information stored in association with the card terminal device unique number information, and the payment amount corresponding to the payment amount information transfer to the deposit account of the merchant where the deposit account information is confirmed; A transfer processing unit 935 and a reward processing unit 940 which checks the payment amount information, calculates an amount corresponding to 1% of the payment amount, and transfers it to the reward account of the customer; Information generation for generating predetermined payment processing history information including a payment processing result including one of predetermined payment error information and payment approval information. An information storage unit for storing the predetermined transaction history information in a predetermined transaction history D / B (970) by the unit 945 and the payment processing history including the predetermined payment approval information of the payment processing results by date and time. 950, and the generated payment processing history information is transmitted to the payment terminal 100 through the specialized transmission unit 910.

When the payment approval request message including the card information, payment amount, and merchant information is received from the payment terminal 100 through the information receiving unit, the card information verification unit 915 is received from the payment terminal 100. Characterized in that the card information included in the full payment approval request is matched with the card information issued through the card issuing system (not shown).

According to the exemplary embodiment of the present invention, the card information checking unit 915 uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 965. Preferably, the card information included in the full payment approval request is the card information issued through the card issuing system (not shown).

If the card information included in the payment approval request text is matched with the card information provided in the card information D / B 965, the payment approval processing unit 920 may check the card information from the card information D / B 965. Confirming payment account information for the cash card stored in association with card information, and comparing the balance of the payment account confirmed through the payment account information with the payment amount to process the payment amount through the cash card; It is characterized in that the approval.

According to the method of the present invention, the payment approval processing unit 920 confirms the predetermined credit limit amount information stored in association with the card information from the card information D / B 965 and the confirmed credit limit amount amount. By comparing the information and the payment amount, it is characterized in that the payment approval for the payment amount through the cash card.

If the account balance information stored in association with the card information is directly stored in the card information D / B 965, the payment approval processing unit 920 may receive the card information from the card information D / B 965. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

The payment approval processing unit 920 is. Payment processing result including any one of predetermined payment error information (eg, payment error code) or payment approval information (eg, payment approval number) in the process of processing payment approval for the payment amount through the cash card. It characterized in that to generate.

The payment terminal unique number confirmation unit 925, the payment approval request is processed by the payment approval processing unit 920 for the payment approval request, the unique number for each card terminal device included in the payment approval request included in the payment approval request The information is read.

According to the exemplary embodiment of the present invention, the card terminal device unique number information is preferably converted into an encrypted code and included in the full payment approval request and transmitted, and the payment terminal unique number verification unit 925 reads and converts And the card terminal device unique number information is characterized in that the account information verification unit 930 allows to check the deposit account information of the affiliated shop associated with the card terminal device unique number information.

The account information verification unit 930 checks the card terminal device unique number information converted and confirmed by the payment terminal unique number verification unit 925, and the card terminal device confirmed in association with the affiliated store D / B. By checking the deposit account information of the merchant corresponding to the unique number information, when using a cash card, it is possible to process the real-time account transfer to the merchant, and check the reward account corresponding to the customer information in conjunction with the financial system Characterized in that.

The transfer processing unit 935, the payment amount information processing the payment approval corresponding to the full payment approval request by the payment approval processing unit 920, and the deposit account information of the merchant confirmed by the account information verification unit 930 If confirmed, the payment amount is transferred to the deposit account, or the reward amount calculated by the reward processing unit 940 is transferred to the reward account of the customer confirmed by the account information verification unit 930, and the transfer processing Characterized in that the transfer history information corresponding to the.

The reward processing unit 940 checks the payment amount information processed by the customer, calculates 1% of the payment amount as a reward amount, and then generates reward amount information including the calculated reward amount. It features.

When the payment approval processing unit 920 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 945 generates the predetermined payment processing history information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 910 is connected to the interface unit 900. The predetermined payment approval result including the payment processing history information is characterized in that for transmitting to the payment terminal 100 through the communication network.

When predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 920, the information storage unit 950 may generate the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date / time information to the predetermined transaction history D / B 970. It is characterized by storing.

In addition, the information storage unit 950 connects the transfer history information generated by the transfer processing unit 935 and the reward amount information generated by the reward processing unit 940 with the customer information to store a predetermined storage medium 960. Characterized in that stored in.

The information transmitter 955 transmits the transfer history information generated by the transfer processor 935 to the customer terminal.

According to an embodiment of the present invention, the information transmission unit 955 queries the card information D / B 965 constituting the DBMS, checks the stored customer information in association with the payment account information, and then the customer information. The transfer history information to the customer terminal corresponding to the.

10 is a diagram illustrating a payment approval and real-time transfer process through a cash card according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates the financial institution server 305 during a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 9 through a cash card issued through the card issuing system (not shown). As an offline payment processing process for processing real-time payment settlement using the cash card in the above), those skilled in the art to which the present invention pertains, refer to or modify this figure 10 through the cash card Various implementation methods for payment approval and real time transfer processing may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG. .

Referring to FIG. 10, the payment terminal 100 on the offline card payment system illustrated in FIG. 9 generates a full payment approval request message including the card information, payment amount, and merchant information, and transmits it to the financial institution server 305. The lower surface 1000, the financial company server 305 receives the full text of the payment approval request, and the card information included in the received full text of the payment approval request is issued through the card issuing system (not shown). If it is matched with the card information stored in the D / B (965) (1005).

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 965, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 965 (1010), the financial institution server 305 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 100 (1015).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 965 (1010), the financial institution server 305 is the card information D / In operation B20, the limit amount of the cash card is confirmed based on the payment account information associated with the card information.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the financial institution server 305 is the card information D / B ( In 965, the predetermined credit limit amount information stored in association with the card information is confirmed, and the payment authorization amount for the payment amount is processed through the cash card by comparing the confirmed credit limit amount information with the payment amount. It is desirable to.

When the account balance information stored in association with the card information is directly stored in the card information D / B 965, the financial institution server 305 processes the association with the card information from the card information D / B 965. After confirming the stored account balance, it is possible to process the payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

If the limit amount for the cash card is confirmed (1025), the financial institution server 305 compares the payment amount with the limit amount, thereby making a payment approval procedure for processing the payment amount using the cash card. Perform 1030.

If the payment approval is not confirmed as a result of the payment approval (1035), the financial institution server 305, the payment processing history information including payment error information (for example, payment error code) for the cash card; Generate (1040), and generates a payment approval result full text including the payment processing history and transmits to the payment terminal 100 (1055).

On the other hand, if the payment approval is confirmed, the payment approval for the payment amount (1035), the financial institution server 305 includes the card information, payment amount information, merchant information and payment approval information (eg payment approval number) Generate payment processing history information (1045), and set the transaction processing history information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date information; After storing in B (970) (1050), a full text of the payment approval result including the payment processing details is generated and transmitted to the payment terminal (100) (1055).

Thereafter, the financial company server 305 reads the card terminal device unique number included in the full payment approval request, generates a card terminal device unique number (1060), and connects with the affiliated store D / B in the transfer processing server. The payment account information corresponding to the unique number of the card terminal device is checked (1065).

Subsequently, the transfer processing server transfers the payment amount corresponding to the payment amount information to the payment account confirmed (1070), generates and stores transfer history information including transfer processing history (1075), and then transfers the transfer history information. By transmitting to the customer terminal (1080), the transfer processing server terminates the process of real-time transfer processing of the transaction amount and the reward amount corresponding to the payment approved transaction to the merchant's deposit account.

11A and 11B illustrate a payment approval and a real time transfer process through a cash card according to another exemplary embodiment of the present invention.

11A and 11B illustrate the financial company server during the payment processing using an offline payment channel corresponding to the offline card payment system shown in FIG. 9 through a cash card issued through the card issuing system (not shown). An offline payment processing process for processing real-time payment settlement using the cash card at 305, and those skilled in the art to which the present invention pertains, refer to or modify the drawings 11a and 11b. Various implementation methods for payment approval and real time transfer processing through a cash card may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation methods shown in FIGS. The technical features are not limited.

Referring to FIGS. 11A and 11B, the financial institution server 305 generates a full payment approval request message including the card information, payment amount and merchant information in the payment terminal 100 on the offline card payment system shown in FIG. 9. In step 1100, the financial institution server 305 receives the full text of the payment approval request, and the card information included in the received full text of the payment approval request is issued through the card issuing system (not shown). The card information D / B 965 checks whether the card information matches the card information (1105).

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 965, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 965 (1110), the financial institution server 305 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 100 (1115).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 965 (1110), the financial institution server 305 is the card information D / In operation 1120, a limit amount of the cash card is determined based on payment account information associated with the card information.

For reference, when the account balance information stored in association with the card information is directly stored in the card information D / B 965, the financial institution server 305 may store the card information from the card information D / B 965. After confirming the account balance stored in association with and then comparing the confirmed account balance with the payment amount, it is possible to process the payment approval for the payment amount through the cash card.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a prepaid card payment means (or a prepaid payment attribute), the financial company server 305 is configured to provide the card information D / Process payment approval for the payment amount through the cash card by confirming predetermined charge amount information stored in association with the card information from B 965 and comparing the confirmed amount amount with the payment amount. It is desirable to.

If the limit amount for the cash card is confirmed (1125), the financial institution server 305 compares the payment amount with the limit amount, thereby making a payment approval procedure for processing the payment amount using the cash card. Perform (1130).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (1135), the financial institution server 305 may provide payment processing history information including payment error information (for example, payment error code) for the cash card. It generates (1140), generates a payment approval result full text including the payment processing history and transmits to the payment terminal 100 (1155).

On the other hand, if the payment approval is confirmed as a result of the payment approval (1135), the financial institution server 305 is the card information, payment amount information, merchant information and payment approval information (e.g. payment approval number) Generating payment processing history information including the payment processing information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in / B (970) (1150), and generates a full payment approval result including the payment processing history and transmits to the payment terminal 100 (1155).

Thereafter, the financial company server 305 reads the card terminal device unique number included in the full payment approval request, generates a card terminal device unique number (1160), and then connects the card terminal device uniquely with the affiliated store D / B. Check the payment account information corresponding to the number (1165), check the payment amount corresponding to the payment amount information to the payment account and calculate the 1% of the payment amount as a reward amount (1170), including the calculated reward amount The reward amount information is generated and stored in the storage medium 960 (1175).

Subsequently, the financial institution server 305 transfers the payment amount and the reward amount corresponding to the payment amount information to the deposit account and the reward account (1180), and generates and stores the transfer history information including the transfer processing history. Then (1185), by transmitting the transfer history information to the customer terminal (1190), the transfer processing server real-time transfer processing the transaction amount and the reward amount corresponding to the transaction approved payment transaction to the merchant's deposit account Will be terminated.

12 is a diagram showing the configuration of a cash card payment system for transferring a cash card payment to a real-time merchant in accordance with another embodiment of the present invention.

In more detail, Figure 12 confirms whether or not the approval of the payment generated by the use of the cash card when the payment processing through a predetermined offline payment channel using a cash card issued through the card issuing system (not shown) and The present invention relates to a cash card payment system that processes settlement payment in real time by real-time transfer processing of an approved payment amount to a merchant account. If a person of ordinary skill in the art belongs to the present invention, refer to FIG. Or it may be modified to infer various implementation methods for the configuration of the cash card payment system through the cash card, but the present invention comprises all the implementation methods inferred, the only implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 12, when the financial institution server 305 receives the full payment approval request message including the card information, payment amount, and merchant information from the payment terminal 100 through the specialized reception unit 1205, A card information checking unit for checking whether the card information included in the received payment approval request message is matched with the card information issued through the card issuing system (not shown), and the card information included in the payment approval request message; When matched with the card information provided in the card information D / B (1280), by comparing the payment account information and the payment amount associated with the card information in connection with the card information D / B (1280) through the cash card A payment approval processing unit 1220 for processing payment approval of the payment amount; and a payment processing result including any one of predetermined payment error information and payment approval information corresponding to the payment approval processing The information generating unit 1225 for generating predetermined payment processing history information, including the predetermined payment history information, which is obtained by classifying the payment processing details including the predetermined payment approval information among the payment processing results by date and time. It characterized in that it comprises a information storage unit 1230 to store in the transaction history D / B (1285), the generated payment processing information is the payment terminal 100 through the specialized transmission unit 1210 It is characterized in that the transmission.

When the payment approval request message including the card information, the payment amount, and the merchant information is received from the payment terminal 100 through the specialized reception unit 1205, the card information confirmation unit receives the payment information from the payment terminal 100. Characterized in that the card information included in the full payment approval request is matched with the card information issued through the card issuing system (not shown).

According to an embodiment of the present invention, the card information confirming unit searches and retrieves card information stored in the card information D / B 1280 using the card information included in the full payment approval request as a keyword, thereby allowing the payment approval. It is preferable to check whether the card information included in the request message is card information issued through the card issuing system (not shown).

When the card information included in the payment approval request text is matched with the card information provided in the card information D / B 1280, the payment approval processing unit 1220 determines the information from the card information D / B 1280. Confirming payment account information for the cash card stored in association with card information, and comparing the balance of the payment account confirmed through the payment account information with the payment amount to process the payment amount through the cash card; It is characterized in that the approval.

If the account balance information stored in association with the card information is directly stored in the card information D / B 1280, the payment approval processing unit 1220 may perform the card information from the card information D / B 1280. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

The payment approval processing unit 1220 is. Payment processing result including any one of predetermined payment error information (eg, payment error code) or payment approval information (eg, payment approval number) in the process of processing payment approval for the payment amount through the cash card. It characterized in that to generate.

When the payment approval processing unit 1220 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 1225 may generate predetermined payment processing history information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 1210 may be connected to the interface unit 1200. The predetermined payment approval result including the payment processing history information is characterized in that for transmitting to the payment terminal 100 through the communication network.

When predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 1220, the information storage unit 1230 is the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 1285. It is characterized by storing.

In addition, the information storage unit 1230 is a storage medium 1275 by linking the transfer history information generated by the transfer processing unit 1255 and the reward amount information generated by the reward processing unit 1260 with the customer information. Characterized in that stored in.

The information transmission unit is characterized in that the transfer history information generated by the transfer processing unit 1255 to the customer terminal.

According to an embodiment of the present invention, the information transmission unit queries the card information D / B 1280 constituting the DBMS, checks the stored customer information in association with the payment account information, and then corresponds to the customer information. Characterized in that the transfer history information to the terminal.

Referring to FIG. 12, the transfer processing server 1235 may include a specialized receiver 1240 for receiving a full payment approval request message including at least one of card information, payment amount, and merchant information from the payment terminal 100; The payment terminal unique number confirmation unit 1245 for analyzing and reading the payment terminal 100 unique number information of the merchant delivered with the full payment approval request received by the specialized receiving unit 1240, and the The account information confirmation unit 1250 for confirming the payment terminal information stored in association with the card terminal device unique number information stored in the merchant D / B by checking the card terminal device unique number information read by the payment terminal unique number confirmation unit 1245. And the transfer processing unit 1255 for transferring the payment amount corresponding to the payment amount information to the payment account of the affiliated store where the payment account information is confirmed. Reward processing unit 1260 that checks the amount information, calculates the amount corresponding to 1% of the payment amount and transfers to the customer's reward account, the transfer history information and the reward amount generated by the transfer processing unit and the reward processing unit And an information storage unit 1265 for storing information in a predetermined D / B, wherein the generated transfer history information is transmitted to the customer terminal through the information transmission unit 1270. It is done.

When the payment terminal 100 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. 1240 is characterized in that for receiving the full payment approval request.

The payment terminal unique number verification unit 1245 is a unique number for each card terminal device included in the payment approval request for the payment approval request text that has been processed by the payment approval processing unit 1220. The information is read.

According to an embodiment of the present invention, the card terminal device unique number information is preferably converted into an encrypted code and included in the full payment approval request and transmitted, and the payment terminal unique number confirmation unit 1245 reads and converts the And the card terminal device unique number information is characterized in that the account information check unit 1250 is able to check the deposit account information of the affiliated shop associated with the card terminal device unique number information.

The account information confirming unit 1250 confirms the card terminal device unique number information converted and confirmed by the payment terminal unique number confirming unit 1245, and the card terminal device confirmed in association with the affiliated store D / B. By checking the deposit account information of the merchant corresponding to the unique number information, when using a cash card, it is possible to process the real-time account transfer to the merchant, and check the reward account corresponding to the customer information in conjunction with the financial system Characterized in that.

The transfer processing unit 1255 transfers the reward amount calculated by the reward processing unit 1260 to the reward account of the customer confirmed by the account information checking unit 1250, and generates transfer history information corresponding to the transfer processing. It is characterized by.

The reward processing unit 1260 checks the payment amount information processed by the customer, calculates 1% of the payment amount as a reward amount, and then generates reward amount information including the calculated reward amount. It features.

The information storage unit 1265 stores the transfer history information generated by the transfer processing unit 1255 and the reward amount information generated by the reward processing unit 1260 in the storage medium 1275 in association with the customer information. It is characterized by.

The information transmission unit is characterized in that the transfer history information generated by the transfer processing unit 1255 to the customer terminal.

According to an embodiment of the present invention, the information transmission unit queries the card information D / B 1280 constituting the DBMS, checks the stored customer information in association with the payment account information, and then corresponds to the customer information. Characterized in that the transfer history information to the terminal.

13 is a diagram illustrating a payment approval process through a cash card according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates the financial institution server 305 during a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 12 through a cash card issued through the card issuing system (not shown). ) Is a credit card payment approval process for processing real-time payment settlement using the cash card, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 13 the cash card Various implementation methods for the offline payment process can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 13, the payment terminal 100 on the cash card payment system illustrated in FIG. 12 generates a payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the financial institution server 305. When the lower surface 1300, the financial company server 305 receives the full payment approval request message, the card information included in the received payment approval request message is issued through the card issuing system (not shown). The card information stored in the D / B 1280 is checked (1305).

According to an embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 1280, thereby displaying the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request does not match the card information stored in the card information D / B 1280 (1310), the financial institution server 305 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 100 (1315).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 1280 (1310), the financial institution server 305 is the card information D / From B (1280), the payment account balance for the cash card is checked based on the payment account information associated with the card information (1320).

According to the embodiment of the present invention, since the payment means corresponding to the confirmed card information includes a cash card payment means (or a debit payment attribute associated with an account) associated with a predetermined account, the financial company server 305 ) Confirms predetermined payment account information stored and processed in association with the card information from the card information D / B 1280, and checks the account balance in connection with a predetermined financial system in which the payment account is opened. It is preferable to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 1280, the financial institution server 305 is connected with the card information from the card information D / B 1280. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

If the payment account balance for the cash card is confirmed (1325), the financial institution server 305 compares the payment amount with the payment account balance, thereby making a payment for processing the payment amount using the cash card. The approval procedure is performed (1330).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (1335), the financial institution server 305 may provide payment processing history information including payment error information (for example, a payment error code) for the cash card. It generates (1340), generates a payment approval result full text including the payment processing history and transmits to the payment terminal 100 (1355).

On the other hand, when the payment approval is confirmed, the payment approval for the payment amount (1335), the financial institution server 305 includes the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) And generating payment processing history information (1345), and the transaction processing history information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date information. After storing in B (1285) (1350), a full text of the payment approval result including the payment processing history is generated and transmitted to the payment terminal 100 (1355).

FIG. 14 is a diagram illustrating a process in which a transfer processing server 1235 according to an embodiment of the present invention performs a real-time transfer processing of a transaction amount and a reward amount corresponding to a transaction for which payment is approved, to a deposit account of a merchant.

More specifically, FIG. 14 corresponds to the transaction, which is settled with the cash card through the transfer processing server 1235 shown in FIG. It is a process for real-time transfer processing of the transaction amount to the merchant's deposit account, and at the same time transfer the amount corresponding to 1% of the transaction amount to the customer's reward account, the general knowledge in the technical field to which the present invention belongs If there is a person, various implementation methods for the process of the real-time transfer processing of the transaction amount and the reward amount corresponding to the transaction approved payment transactions in the merchant's deposit account by referring to or modifying this drawing 14 It may be inferred that, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 14, the payment terminal 100 on the cash card payment system illustrated in FIG. 12 generates a full payment approval request message including the card information, the payment amount, and the merchant information to the transfer processing server 1235. When transmitting (1400), the transfer processing server 1235 stores the received payment approval request text, and checks whether the payment approval result text corresponding to the payment approval request text is received (1405).

If the transfer processing server 1235 does not receive the payment approval result from the financial company server 305, the transfer processing server 1235 is a newly received payment approval request. The procedure stores the full text and checks whether the payment approval result corresponding to the full text of the payment approval request message is received (1405).

On the other hand, when the transfer processing server 1235 receives the full payment approval result from the financial company server 305 (1410), the transfer processing server 1235 receives the unique number of the card terminal device included in the full payment approval request message After reading the card terminal device unique number (1415), the transfer processing server 1235 checks the deposit account information corresponding to the card terminal device unique number in association with the affiliated shop D / B (1420).

Thereafter, the transfer processing server 1235 transfers the payment amount corresponding to the payment amount information to the received payment account (1425), generates and stores the transfer history information including the transfer processing details (1430). By transmitting the transfer history information to the customer terminal (1435), the transfer processing server 1235 terminates the process of real-time transfer processing the transaction amount and the reward amount corresponding to the payment approved transaction to the merchant's deposit account.

15 is a diagram illustrating a payment approval process through a cash card according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates the financial institution server 305 during a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 12 through a cash card issued through the card issuing system (not shown). ) Is a credit card payment approval process for processing real-time payment settlement using the cash card, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 15 the cash card Various implementation methods for the offline payment process can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 15, the payment terminal 100 on the cash card payment system illustrated in FIG. 12 generates a payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the financial institution server 305. The lower surface 1500, the financial company server 305 after receiving the payment approval request message, the card information included in the received payment approval request message is issued through the card issuing system (not shown) the card information The card information stored in the D / B 1280 is checked (1505).

According to an embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 1280, thereby displaying the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request message does not match the card information stored in the card information D / B 1280 (1510), the financial institution server 305 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 100 (1515).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 1280 (1510), the financial institution server 305 is the card information D / From B (1280), the payment account balance for the cash card is checked based on the payment account information associated with the card information (1520).

According to the embodiment of the present invention, since the payment means corresponding to the confirmed card information includes a cash card payment means (or a debit payment attribute associated with an account) associated with a predetermined account, the financial company server 305 ) Checks the predetermined payment account information stored in association with the card information from the card information D / B 1280, checks the account balance in connection with a predetermined financial system in which the payment account is opened, It is preferable to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 1280, the financial institution server 305 is connected with the card information from the card information D / B 1280. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

If the payment account balance for the cash card is confirmed (1525), the financial institution server 305 compares the payment amount and the payment account balance, thereby making payment for the payment amount using the cash card. Perform the approval procedure (1530).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (1535), the financial institution server 305 may provide payment processing history information including payment error information (for example, a payment error code) for the cash card. It generates (1540), generates a payment approval result text including the payment processing details and transmits to the payment terminal 100 (1555).

On the other hand, when the payment approval is confirmed, the payment approval for the payment amount (1535), the financial institution server 305 includes the card information, payment amount information, merchant information and payment approval information (eg payment approval number) Generating payment processing history information (1545), and the transaction processing history information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in B (1285) (1550), a full payment approval result including the payment processing history is generated and transmitted to the payment terminal 100 (1555).

FIG. 16 is a diagram illustrating a process in which a transfer processing server 1235 according to another embodiment of the present invention performs a real-time transfer processing of a transaction amount and a reward amount corresponding to a transaction for which payment is approved and processed into a deposit account of a merchant.

More specifically, FIG. 16 corresponds to a transaction in which the payment approval is processed by the financial institution server 305 by the cash card through the transfer processing server 1235 shown in FIG. It is a process for real-time transfer processing of the transaction amount to the merchant's deposit account, and at the same time transfer the amount corresponding to 1% of the transaction amount to the customer's reward account, the general knowledge in the technical field to which the present invention belongs If there is a person, various implementation methods for the process of the real-time transfer processing of the transaction amount and the reward amount corresponding to the transaction approved payment transaction by the transfer processing server 1235 to the merchant's deposit account by referring to or modifying this figure 16. It can be inferred, but the present invention is made to include all the implementation method inferred, and only by the implementation method shown in FIG. This technical feature is not limited.

Referring to FIG. 16, the payment terminal 100 on the cash card payment system shown in FIG. 16 generates the full payment approval request message including the card information, the payment amount, and the merchant information to the transfer processing server 1235. When transmitting (1600), the transfer processing server 1235 stores the received payment approval request text and confirms whether the payment approval result text is received corresponding to the payment approval request text (1605).

If the transfer processing server 1235 does not receive the payment approval result text from the financial company server 305, the transfer processing server 1235 is the transfer processing server 1235 newly received payment approval request message Store and repeat the process of confirming whether the payment approval result corresponding to the payment approval request message received (1605).

On the other hand, when the transfer processing server 1235 receives the full payment approval result from the financial company server 305 (1610), the transfer processing server 1235 receives the unique number of the card terminal device included in the full payment approval request message After reading, generating a card terminal device unique number (1615), the transfer processing server 1235 checks the deposit account information corresponding to the card terminal device unique number in association with the affiliated shop D / B (1620).

Subsequently, the transfer processing server 1235 checks the payment amount corresponding to the payment amount information and calculates 1% of the payment amount as the reward amount with the confirmed payment account (1625), and rewards the amount information including the calculated reward amount. It is generated and stored in the storage medium 1275 (1630).

Subsequently, the transfer processing server 1235 transfers the payment amount and the reward amount corresponding to the payment amount information to the payment account and the reward account confirmed (1635), and generates and stores the transfer history information including the transfer processing history. Then (1640), by transmitting the transfer history information to the customer terminal (1645), the transfer processing server 1235 transfers the transaction amount and the reward amount corresponding to the transaction approved payment to the merchant's deposit account in real time. This concludes the process.

According to the present invention, since the efficiency and convenience of the payment processing using the cash card is improved, by increasing the customer satisfaction for the cash card merchant, it is possible to expect an increase in the rate of attracting corporate customers.

In addition, since customer royalties are generated by providing a real-time reward program, it is possible to secure a competitive advantage compared to financial institutions in competition.

Claims (3)

  1. A memory unit for storing merchant account information for depositing payments;
    An information extraction unit for extracting (or confirming) merchant account information stored in the memory unit when a payment request using a customer's cash card is performed;
    A full text generation unit for generating a full text of the payment approval request including the extracted merchant account information and the cash card information and the payment amount information; And
    And a specialized transmission unit for transmitting the generated payment approval request message to a server on a communication network.
  2. The method of claim 1,
    A first encryption processing unit for encrypting the merchant account information stored in the memory;
    The real-time account transfer processing terminal device further comprises a second encryption processing unit for encrypting the payment approval request text containing the encrypted merchant account information.
  3. A computer-readable recording medium having recorded thereon a program for executing the terminal device functional component of claim 1.
KR1020070101756A 2007-10-10 2007-10-10 Device for processing realtime account transaction and recording medium KR20090036632A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101156374B1 (en) * 2009-07-31 2012-06-13 사단법인 금융결제원 Method for providing financial transaction service with memory card between mobile and recording medium

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101156374B1 (en) * 2009-07-31 2012-06-13 사단법인 금융결제원 Method for providing financial transaction service with memory card between mobile and recording medium

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