KR20090081935A - System and Method for Processing Affiliated Store Relation Card Rewards - Google Patents

Abstract

An affiliated member shop-related card reward processing method and a system thereof are provided to give a reward to a customer when the customer conducts card payment corresponding to original payment attributes of a payment card, so that the customer can receive various rewards. A payment terminal(110) is equipped in an offline member shop. A member shop server(115) corresponds to an online member shop. A payment request server(120) demands payment. A client terminal(130) is connected with the member shop server and the payment request server according to at least one online payment method. A portion of money made by subtracting transferring commissions from card payment commissions is calculated as reward money. The reward money is withdrawn from an affiliated member shop account, and is deposited to a customer's reward deposit unit.

Description

System and Method for Processing Affiliated Store Relation Card Rewards}

1 is a diagram illustrating a system for rewarding a customer with a fee difference between the card payment and the bank transfer payment after converting the card payment of the affiliated merchant to the bank transfer payment according to the embodiment of the present invention.

FIG. 2 is a diagram illustrating a card issuing system for issuing a payment card for converting a card payment of an affiliated merchant to a bank transfer payment according to an embodiment of the present invention and processing a payment.

3 is a diagram illustrating a card issuing process of issuing a payment card for converting a card payment of an affiliated merchant to a bank transfer payment according to an embodiment of the present invention to process payment.

4 is a diagram illustrating a card issuing process of issuing a payment card for converting a card payment of an affiliated merchant to a bank transfer payment according to another embodiment of the present invention to process payment.

FIG. 5 is a diagram illustrating a card payment system configuration in which a credit card company handles preferential bank transfer payment according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a payment approval request process for preferential bank transfer payment for an affiliated merchant according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a payment method selection process for a payment card according to an embodiment of the present invention.

8 is a diagram illustrating a process of processing a wire transfer payment prior to a payment attribute of a payment account according to an embodiment of the present invention.

9 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to an exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a card payment system configuration in which a card company handles preferential bank transfer payment for an affiliated merchant according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a payment approval request process for preferential bank transfer payment for an affiliated merchant according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a payment method selection process for a payment card according to another embodiment of the present invention.

13 is a diagram illustrating a process of processing a wire transfer payment prior to a payment attribute of a payment account according to another embodiment of the present invention.

14 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to another embodiment of the present invention.

FIG. 15 is a diagram illustrating a card settlement system configured to process preferential bank transfer payment for an affiliated affiliated store in a relay server according to an exemplary embodiment of the present invention.

FIG. 16 is a diagram illustrating a payment approval request process for preferential bank transfer payment for an affiliated merchant according to one embodiment of the present invention.

17 is a diagram illustrating a payment method selection process for a payment card according to an embodiment of the present invention.

18 is a diagram illustrating a process of processing a wire transfer payment in preference to a payment attribute of a payment account according to an embodiment of the present invention.

19 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to an embodiment of the present invention.

20 is a diagram showing the configuration of a card payment system for processing a preferred account transfer payment for the affiliated merchant in the relay server according to another embodiment of the present invention.

FIG. 21 is a diagram illustrating a payment approval request process for preferential bank transfer payment for an affiliated merchant according to another exemplary embodiment of the present invention.

22 is a diagram illustrating a payment method selection process for a payment card according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating a process of processing a wire transfer payment prior to a payment attribute of a payment account according to another embodiment of the present invention.

24 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to another embodiment of the present invention.

FIG. 25 is a diagram illustrating a functional configuration of a payment terminal that supports preferential bank transfer payment processing for affiliated affiliates according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating a card payment system configured to process preferential bank transfer payment for an affiliated merchant at a payment terminal according to an embodiment of the present invention.

FIG. 27 is a diagram illustrating an operation process of a payment terminal for preferential bank transfer payment for an affiliated merchant according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a payment approval request process for preferential bank transfer payment for an affiliated merchant according to an embodiment of the present invention.

FIG. 29 is a diagram illustrating a payment approval process for preferential bank transfer payment for an affiliated merchant according to an embodiment of the present invention.

30 is a diagram illustrating a process of processing a wire transfer payment in preference to a payment attribute of a payment account according to an embodiment of the present invention.

31 is a diagram illustrating a customer compensation system that compensates a customer for a difference in fees between card payment and bank transfer payment according to an embodiment of the present invention.

32 is a diagram illustrating a process of compensating a customer for a fee difference between card payment and bank transfer payment according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: payment card

110: payment terminal 115: merchant server

120: payment request server 125: payment card

130: client terminal 135: Bansa server

140: card company server 145: customer compensation processing server

According to the present invention, upon requesting a card payment according to the original payment attribute of a card at an affiliated merchant, BIN (Bank Identification Number) information of the card is issued to process the card payment at the affiliated merchant to process payment by bank transfer through a financial company. Checking whether the card matches the BIN information of the card, and when the card is matched with the BIN information, converts the card payment into a bank transfer payment through the financial company, and processes the account transfer payment amount information and the account corresponding to the bank transfer payment. Storing the transfer fee information and the affiliated merchant account information in a storage medium, calculating a card payment fee when the account transfer payment amount is settled according to the original payment attribute of the card; A portion (or all) of the card settlement fee minus the bank transfer fee is calculated as the compensation amount. Stage and will in the affiliate merchant account affiliate on the merchant-related rewards card processing method comprising the steps of processing such as withdrawal and deposit compensation payment the customer means the compensation amount.

With the continuous development of information and communication technology and the establishment of a credit life culture that recognizes credit as a value, payment is made electronically using a payment method equipped with an MS (magnetic stripe) or IC (Integrated Circuit) chip without using cash. The card payment system that processes the system has become common.

The card payment system includes a payment terminal (or a web server provided at an online merchant and a payment agent server) provided at an affiliated store, a bansa that relays the affiliated store to a card company, and a card company performing a payment approval procedure for the card payment. To support the card payment through the card medium equipped with the payment means by building a system according to the role of the card payment.

At this time, the card company sharing each role of the card payment system charges a part of the payment amount as a payment fee, and the bansa also applies a part of the payment amount to a relay fee (for example, VAN fee). The merchant stores the remaining amount after deducting the fee as actual revenue.

In order to further expand the merchant's profit in the card payment system, a method of reducing the payment fee (or a relay fee) should be devised, and it is difficult to reduce the fee by the minimum operation cost according to the role division. have.

An object of the present invention for solving the above problems, when the card payment request according to the original payment attribute of the card at the affiliated merchant, the BIN (Bank Identification Number) information of the card to the card payment at the affiliated merchant account through the financial company Information checking means for checking whether the card is matched with the BIN information of the card issued to be converted and processed by transfer payment, and when the BIN information is matched, the card payment is converted into a bank transfer payment through the financial company and processed; Information storage means for linking the payment amount information and the account transfer fee information corresponding to the payment and storing the information on the storage medium; and the card payment fee when the payment amount is transferred according to the original payment attribute of the card. The difference between the calculated card settlement fee calculating means and the account transfer fee is calculated from the calculated card settlement fee. Provides an affiliated merchant related card reward processing system including a reward amount calculating means for calculating a portion (or all) of an amount as a reward amount, and a customer reward processing means for processing the reward amount to be deposited into a reward payment means of a customer. Is in.

In the affiliated merchant related card reward processing method according to the present invention, upon requesting a card payment according to the original payment attribute of the card in the affiliated merchant, the BIN (Bank Identification Number) information of the card through the credit card payment at the affiliated merchant Checking whether the card is matched with BIN information of a card issued for processing by converting to a bank transfer payment; and when matching with the BIN information, converting and processing the card payment into a bank transfer payment through the financial company, and performing the bank transfer payment. Storing the wire transfer payment amount information, the wire transfer fee information, and the affiliated merchant account information corresponding to the storage medium, and paying the card when the payment amount is transferred according to the original payment attribute of the card. Calculating a fee and deducting a wire transfer fee from the calculated card settlement fee Dispensing the compensation amount in step and, the affiliate merchant account for calculating a portion of the amount (or all) the amount of compensation to be characterized in that comprising the step of treating to deposit the compensation payment means of the customer.

On the other hand, in the affiliated merchant related card reward processing method according to the present invention, when a card payment request from the affiliated merchant according to the original payment attribute of the card, the BIN (Bank Identification Number) information of the card to the card payment at the affiliated merchant financial company Checking whether the card is matched with the BIN information of the card issued for processing by converting to a bank transfer payment through; and when matching with the BIN information, converting the card payment into a bank transfer payment through the financial company and processing the account; Storing the transfer payment information corresponding to the transfer payment information and the transfer fee information in a storage medium, and calculating the card payment fee when the payment is made according to the original payment attribute of the card; And a portion of the amount calculated by subtracting the wire transfer fee from the calculated card settlement fee (or Characterized in that eojineun made, including the step of calculating the body) to the compensation amount, the compensation amount of deposit processing so that the customer reward payment means.

The affiliated merchant related card reward processing method according to the present invention is characterized in that it further comprises the step of confirming the reward withdrawal account to be withdrawn the compensation amount.

The affiliated merchant-related card reward processing method according to the present invention is characterized in that it further comprises the step of confirming the reward deposit means of the customer to be the reward amount is deposited.

In the affiliated merchant-related card reward processing method according to the present invention, the reward payment means of the customer includes a bank transfer payment target account, or a customer-designated account, or a customer's point earning account, or discount coupon / giveaway Characterized by including an account.

On the other hand, the affiliated merchant-related card reward processing system according to the present invention, when the affiliated merchant request a card payment according to the original payment attribute of the card, the BIN (Bank Identification Number) information of the card to the card company at the affiliated merchant financial settlement Information checking means for confirming that the card is matched with the BIN information of the card issued to be converted and processed by the bank transfer payment, and when the BIN information is matched, the card payment is converted into the bank transfer payment through the financial company for processing; Information storage means for linking the wire transfer payment amount information corresponding to the wire transfer payment, the account transfer fee information, and the affiliated merchant account information to store in a storage medium; and the payment amount for the wire transfer payment according to the original payment attribute of the card. Card settlement fee calculating means for calculating a card settlement fee when the card is processed; Compensation amount calculation means for calculating a portion (or all) of the amount of the credit fee minus the account transfer fee, and withdraws the compensation amount from the affiliated merchant account so as to be deposited into the customer's compensation deposit means. It comprises a customer compensation processing means.

On the other hand, the affiliated merchant-related card reward processing system according to the present invention, when the affiliated merchant request a card payment according to the original payment attribute of the card, the BIN (Bank Identification Number) information of the card to the card company at the affiliated merchant financial settlement Information checking means for confirming that the card is matched with the BIN information of the card issued to be converted and processed by the bank transfer payment, and when the BIN information is matched, the card payment is converted into the bank transfer payment through the financial company for processing; Information storage means for storing the transfer amount information corresponding to the wire transfer payment information and the account transfer fee information in a storage medium, and the card when the payment amount is transferred according to the original payment attribute of the card; A card settlement fee calculating means for calculating a settlement fee and the calculated card settlement fee Compensation amount calculation means for calculating a portion (or the whole) of the amount less the transfer fee as a compensation amount, and customer compensation processing means for processing the compensation amount to be deposited by the customer's compensation deposit means; .

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram showing a system for rewarding a customer with a fee difference between the card payment and the bank transfer payment after converting the card payment of the affiliated merchant to the bank transfer payment according to the embodiment of the present invention.

In more detail, FIG. 1 shows a payment terminal 110, a bansa server (or a relay server), and a card company server 140 on a card payment system when a card payment process is performed for a predetermined payment amount through an offline / online card payment system. Either terminal (or server) reads the BIN information included in the card information corresponding to the payment means of the card payment, and the card payment is performed by the affiliated merchant (or membership affiliate) the card issuing system shown in FIG. Check whether the card payment requested through the payment card 105 issued through, and the result of the check, the card payment is through the payment card 105 issued through the card issuing system shown in FIG. In the case of a card payment requested by an affiliated store, the card payment is converted into a direct transfer payment and the payment process is performed, and the card payment corresponding to the payment attribute of the payment card 105 is performed. Confirm the card card payment fee incurred in processing the payment amount and the account transfer fee incurred by converting the payment amount to the direct transfer payment, and the difference between the card card payment fee and the account transfer fee As a system configuration for rewarding customers, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 1 to convert the card payment of the affiliated merchant into a wire transfer payment. After the payment process, it will be able to infer various implementation methods for the system that compensates the customer for the fee difference between the card payment and bank transfer payment, but the present invention includes all the implementation methods inferred The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, a system for rewarding a customer with a fee difference between the card payment and the bank transfer payment after converting the card payment of the affiliated merchant to the bank transfer payment is performed, the card issuing system shown in FIG. 2. Payment card 105 issued through the, the payment terminal 110 provided in the offline merchant, or the merchant server 115 and payment request server 120 corresponding to the online merchant and at least one or more online payment methods (eg, Click secure, secure payment) characterized in that it comprises a client terminal 130 is connected to the merchant server 115 and the payment request server 120 in communication.

In addition, after the payment processing by converting the card payment of the affiliated merchant to the bank transfer payment, the system that compensates the fee difference between the card payment and bank transfer payment to the customer, the payment terminal 110 provided in the offline merchants; Bansa server 135 is connected to the communication or the payment request server 120 (or the client terminal 130) on the online merchant, and the communication with the card company server 140 that issued the payment card 105 It is characterized by comprising a).

In addition, after the payment processing by converting the card payment of the affiliated merchant to the bank transfer payment, the system that compensates the fee difference between the card payment and bank transfer payment to the customer, the bansa server 135 is connected in communication with the bansa And a card company server 140 that performs a payment approval function for the card information included in the full payment approval request message (or payment approval request information) transmitted from the server 135.

In addition, after the payment processing by converting the card payment of the affiliated merchant to the bank transfer payment, the system that compensates the fee difference between the card payment and bank transfer payment to the customer, the payment terminal 110 on the card payment system, bansa When one terminal (or server) of the server 135 (or the relay server) or the card company server 140 requests to process the real-time transfer payment prior to the payment attribute corresponding to the payment card 105, The financial company withdrawing the payment amount from the account transfer payment target account associated with the payment card 105, and transfers the settlement amount after deducting the account transfer fee from the withdrawn amount to the affiliated merchant account corresponding to the affiliated merchant. Characterized in that it comprises a server (100).

Here, the account transfer fee may be a card payment fee (eg, credit card card payment fee, or check card card payment fee) according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. Debit card card payment fee, etc.) is characterized in that it is much cheaper.

In addition, after the payment processing by converting the card payment of the affiliated merchant to the bank transfer payment, the system that compensates the fee difference between the card payment and bank transfer payment to the customer, corresponding to the bank transfer payment processing for the payment amount Confirming the account transfer fee, calculating (or confirming) the card payment fee when the payment amount is processed by the card payment, and then rewarding the customer with the amount deducting the account transfer fee from the card payment fee; It comprises a customer compensation processing server 145.

According to the method of the present invention, the customer compensation processing server 145 is the financial company server 100, or in connection with the financial company server 100, the amount deducting the account transfer fee from the card payment fee; It is preferable to include a server for processing to reward the customer.

Alternatively, the customer compensation processing server 145 is the card company server 140, or in conjunction with the card company server 140 to process to compensate the customer the amount deducting the account transfer fee from the card payment fee It is preferable to include a server.

Alternatively, the customer compensation processing server 145 is the bansa server 135 (or relay server), or in conjunction with the bansa server 135 (or relay server) to transfer the account transfer fee in the card payment fee It is preferable to include a server for processing to compensate the customer the deducted amount.

Alternatively, the customer compensation processing server 145 is linked to at least one or more of the card company server 140, financial company server 100 and bansa server 135 (or relay server) in the card payment fee in the account transfer fee It is preferable to include a server for processing to compensate for the customer subtracted amount.

FIG. 2 is a diagram illustrating a card issuing system for issuing a payment card 105 for converting a card payment of an affiliated merchant to a bank transfer payment according to an embodiment of the present invention and processing a payment.

In more detail, FIG. 2 illustrates a payment process according to a payment attribute (for example, postpaid, debit, or prepaid) corresponding to the card when a card is processed at a general merchant (or non-affiliated merchant), and the affiliated merchant (or Membership Merchant) is a system configuration for issuing a payment card 105 to process a real-time account transfer payment through a financial company prior to the payment attribute corresponding to the card when the card payment processing, in the technical field to which the present invention belongs Those skilled in the art, various implementations of the card issuing system configuration for issuing a payment card 105 for converting the card payment of the affiliated merchants into a bank transfer payment and processing the payment by referring to and / or modifying this figure 2 The method may be inferred, but the present invention includes all the inferred implementation methods, and only the implementation method shown in FIG. It shall not be limited.

Hereinafter, at least one means and / or functional configuration for issuing a payment card 105 to the customer based on the card issuing application information provided from the customer through a card issuing interface on the card issuing system shown in FIG. Components corresponding to the above are referred to as "card issuing server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a card issuing system for issuing a payment card 105 for converting the card payment of the affiliated merchant into a bank transfer payment and issuing a payment is a general merchant (or non-affiliated merchant). ) Process the payment according to the payment attribute (for example, postpaid, debit, prepaid) corresponding to the payment card 105 at the time of the card payment processing, and the payment when the card payment processing at the affiliated merchant (or membership merchant) And a card issuing terminal for issuing a payment card 105 for processing a real time account transfer payment through a financial company in preference to a payment attribute corresponding to the card 105, wherein the card issuing terminal is at least And an employee terminal used by a card issuing staff member provided in at least one card issuing agency, and / or When the card issuance system supports a non-face-to-face card issuance application, characterized in that comprises a client terminal 130 including at least one or more wired terminal and / or wireless terminal used by the customer, the employee The terminal and / or client terminal 130 is connected to a communication channel with the card issuing server 200 provided in the card issuing institution through a communication network.

According to one embodiment of the present invention, the customer visits the card issuing institution for preferential account transfer payment to the affiliated merchant and through the window provided at the card issuing institution (or through a card issuing staff). Complete a card issuance application (e.g., document with a form for filling in at least one information item for preferential bank transfer payment to the affiliated merchant) for the affiliated merchant (or the card issuance) The employee in charge visits the customer and asks the customer to fill out a card issuance application for preferential bank transfer payment to the affiliated merchant), and submits the completed card issuance application to the card issuing staff. The employee must fill out the information on the card issuance application form through the employee's terminal. It is preferable to input (or select), and the employee terminal transmits the input (or selected) information to the card issuing server 200 provided in the card issuing organization through the communication network.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution, the card issuing server 200 connected to the employee terminal is a server provided in the card issuing institution Preferably, the communication network connecting the employee terminal and the card issuing server 200 preferably includes a communication network connecting the communication channel between the employee terminal and the card issuing server 200. .

In the card issuing system as described above, the card issuance application that the customer creates, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 200 is the customer It performs a function of a card issuing interface for registering card issuing application information for preferential bank transfer payment to affiliated merchants.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is at least one client of a wired terminal connected to a wired communication network and / or a wireless terminal connected to a wireless communication network. Accessing the card issuance server 200 through the terminal 130, and through the at least one user interface provided by the card issuance server 200 to convert the card payment of the affiliated merchants to payment by bank transfer payment processing When the card issuing application information for issuing the payment card 105 is input (or selected), the client terminal 130 is preferably transmitted to the card issuing server 200 provided in the card issuing institution through a communication network.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA (High Speed Dow) and at least one wireless communication terminal connected to an nlink packet access) based wireless communication network, a portable internet terminal connected to the IEEE 802.16x based portable internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

In addition, the client terminal 130 outputs at least one or more user interfaces provided by the card issuing server 200, and inputs and / or selects at least one or more information through the user interface to the card issuing server 200. It is preferable that a function configuration (for example, a browser program and a communication function, or a communication program and a communication function for communicating with the card issuing server 200, etc.) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal 130 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

In the card issuing system as described above, a client terminal 130 including at least one wired terminal and / or a wireless terminal used by the customer is connected to the client terminal 130 and the card issuing server 200. At least one wired and / or wireless communication network functions as a card issuing interface for the customer to register card issuing application information for preferential bank transfer payment to the affiliated merchant.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal is a financial network (for example, in addition to the employee terminal and / or the client terminal 130). A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the financial common network, and / or a public telephone network ( A telephone terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a call connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. It may further comprise a terminal (not shown), and / or may further include a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the card issuer. The present invention is not limited thereby.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the card issuing server 200 to perform a function of a card issuing interface for the customer to register card issuing application information for preferential account transfer payment to the affiliated merchant, and / or the card. If the issuing terminal is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 200 may be used by the customer. Perform a function of a card issuance interface for registering card issuance application information for preferential bank transfer payment to the affiliated merchant; and / or If the card issuing terminal is a terminal (or server) (not shown) provided in an institution affiliated with the card issuing organization, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the The network connecting the card issuing server 200 performs a function of a card issuing interface for the customer to register card issuing application information for preferential account transfer payment to the affiliated merchant.

The card issuing system for issuing a payment card 105 for converting the card payment of the affiliated merchant to a bank transfer payment and processing the payment corresponds to the payment card 105 when the card payment processing is performed at a general affiliated store (or non-affiliated affiliated store). The payment is processed according to a payment attribute (for example, postpaid, debit, or prepaid), and when a card payment is processed at an affiliated merchant (or membership affiliate), the financial company is preferentially given to the payment attribute corresponding to the payment card 105. In order to issue a payment card 105 for processing real-time account transfer payment through, at least one or more payment attribute information (eg, postpaid payment, etc.) that may be included in the payment card 105 issued based on the card issuance application information. Direct debit, prepaid) and BIN (Bank Identification Number) information for each payment attribute to be included in the card number of the payment card 105 issued, including each payment attribute. At least one affiliated merchant that is stored and affiliated to process real-time account transfer payments through a financial company in preference to a payment attribute corresponding to the payment card 105 at the affiliated merchant when processing payment through the payment card 105. It is characterized in that it comprises a payment control D / B for storing information, or made in connection through a communication network.

Here, the affiliated merchant information may include affiliated merchant identification information (eg, affiliated store number) for identifying the affiliated affiliate store among a plurality of affiliated stores, and affiliated merchant account information for the affiliated merchant for real-time account transfer payment through the financial company. It is preferable to comprise.

According to an embodiment of the present invention, if the account transfer payment account associated with the card information corresponding to the payment card 105 is opened in only one financial company (for example, a bank), it is stored in the payment control D / B. The BIN information for each payment attribute may be used for checking a bank in which a payment target account is opened in a payment terminal 110 provided at an affiliated merchant.

According to another embodiment of the present invention, when the account transfer payment account associated with the card information corresponding to the payment card 105 is opened only in a plurality of financial companies (for example, banks), the payment is stored in the payment control D / B. The BIN information for each payment attribute may include information for identifying a bank in which the account for which the direct payment is settled, or a plurality of financial institutions for opening the account for the direct payment in response to one payment attribute. It is preferable to include BIN information.

According to the present invention, the payment control D / B is characterized in that it is provided in the card issuing engine having a card issuing system shown in FIG.

In addition, the payment control D / B is a payment property (for example, postpay, debit, corresponding to the payment card 105) when the card payment processing in the general merchant (or non-affiliated merchant) through the payment card 105 Means for processing a payment according to a prepaid form, and controlling a real time account transfer payment through a financial company in preference to a payment attribute corresponding to the payment card 105 at the time of the card payment processing at an affiliate affiliate store (or a membership affiliate store) ( For example, the card company, or financial company, or bansa, payment agency, or payment terminal 110, or client terminal 130 is characterized in that it is located.

The card issuing server 200 provided in the card issuing engine according to the present invention is a generic term for the card issuing organization side components connected to the card issuing terminal through a communication network, and includes at least one server (or device). It may be implemented and / or implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the card issuing server 200 is characterized in that it comprises an interface unit 205 (or interface means) for providing a card issuing interface to the card issuing terminal through the communication network.

According to an embodiment of the present invention, when the card issuing terminal is an employee terminal connected to a financial network, the interface unit 205 connects a communication channel with the employee terminal based on a protocol stack defined in the financial network. In addition, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal is a client terminal 130 including a wired terminal connected to a wired communication network, the interface unit 205 is based on a protocol stack defined in the wired communication network. It is preferable to connect a communication channel with the client terminal 130 and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal 130. Do.

For example, when the client terminal 130 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 205 may be connected to the client terminal 130 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 130 is provided with a card issuance application program provided by the card issuing server 200, the interface unit 205 is based on the TCP / IP protocol and the client terminal 130 and It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal is a client terminal 130 including a wireless terminal connected to a wireless communication network, the interface unit 205 is based on a protocol stack defined in the wireless communication network. Connecting a communication channel with the client terminal 130 and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal 130. desirable.

For example, when the client terminal 130 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 205 is based on the CDMA protocol. And a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when the client terminal 130 is provided with a card issuance application program provided by the card issuing server 200, the interface unit 205 communicates with the client terminal 130 based on the CDMA protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 2, the card issuing server 200 is connected to the card issuing server 200 through the interface unit 205 when the card issuing server 200 issuing a card issuing request. An interface providing unit 210 (or interface providing means) for generating (or extracting) a user interface for inputting (or selecting) and issuing card issuing application information from the card issuing terminal and providing the card issuing terminal to the card issuing terminal; An information receiving unit 215 (or information receiving means) for receiving card issuance request information transmitted from the card issuing terminal through the user interface (or selected) in association with the interface unit 205 and the received card; Validation authentication unit 220 (or validity authentication to check the validity of issuing the payment card 105 to the customer based on the application information issued) And an information generation unit 225 (or information generation) for generating (or extracting) card information including BIN information for each payment attribute in association with the payment control D / B based on the received card issuance application information. Means), a card issuing unit 235 (card issuing means) for issuing a payment card 105 including the card information through the card issuing device 240, and a payment card 105 issued to the customer. It is characterized in that it comprises an information storage unit 230 (or information storage means) for storing the card management information corresponding to the card management D / B.

The interface providing unit 210 when the card issuing terminal is connected to the card issuing server 200 through the interface unit 205 to request a card issuance, the card issuing corresponding to the functional configuration provided in the card issuing terminal Input (or select) application information to generate a user interface that can be transmitted to the card issuing server 200 through the communication network, and / or extracted from a database (not shown), and interworking with the interface unit 205. And provide the generated (or extracted) user interface to the card issuing terminal through the communication network.

Thereafter, the card issuing terminal inputs (or selects) the card issuing application information based on the user interface, and sends the input (or selected) card issuing application information to the card issuing server 200 through the communication network. send.

According to an embodiment of the present invention, when the card issuing terminal is an employee terminal connected to a financial network, the interface providing unit 210 generates a user interface that can be provided by a card issuing application program included in the employee terminal (or Extraction) and provide the user interface generated (or extracted) via the interface unit 205 to the employee terminal.

According to another embodiment of the present invention, when the card issuing terminal is a client terminal 130 including a wired terminal connected to a wired communication network, the interface providing unit 210 is a browser provided in the client terminal 130. It is preferable to generate (or extract) a user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal 130 through the interface unit 205.

According to another exemplary embodiment of the present invention, when the card issuing terminal is a client terminal 130 including a wireless terminal connected to a wireless communication network, the interface providing unit 210 is provided in the client terminal 130. It is preferable to generate (or extract) a user interface that can be provided to a browser program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal 130 through the interface unit 205. .

The information receiving unit 215 inputs (or selects) card issuing application information from the card issuing terminal through the user interface and transmits the card issuing application information in cooperation with the interface unit 205 when the card issuing application information is input (or selected). And receiving the received card issuance application information to the validity authentication unit 220 or the information generation unit 225.

According to an embodiment of the present invention, the card issuing application information includes customer information of the card issuing customer, payment attribute information corresponding to the payment card 105 (for example, postpaid, debit, and prepaid); At least one or more account transfer payment target account information for processing real-time account transfer payment through a financial company in preference to a payment attribute corresponding to the payment card 105 in the affiliated merchant when processing payment through the payment card 105. It is made to include.

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 200 It is preferable to include at least one member information (for example, member ID information) subscribed to.

The payment attribute information is information for specifying a payment attribute (eg, postpaid type, debit type, prepaid type, etc.) of the payment card 105 issued to the customer, and the payment card 105 is any of the payment attributes. It is preferable to issue one payment attribute.

For example, when the payment attribute information includes a postpaid attribute, the payment card 105 is preferably issued including a credit card attribute, and when the payment attribute information includes a debit attribute, the payment The card 105 is preferably issued with a check card / debit card attribute. When the payment attribute information includes a prepaid attribute, the payment card 105 is issued with a rechargeable prepaid card attribute. It is preferable.

The account information subject to payment transfer is for processing real-time account transfer payment through a financial company in preference to a payment attribute corresponding to the payment card 105 at the affiliated merchant when processing payment through the payment card 105. It is preferable to include financial company information in which an account (for example, a real account, a virtual account, or an online account) in a customer's name is opened, and an account number and account holder information for the account in the customer's name.

If the payment attribute information includes a postpaid attribute, the account transfer payment target account information may be the same as or different from the account that automatically transfers the monthly settlement amount of the credit card, thereby limiting the present invention. No.

Alternatively, when the payment attribute information includes a debit type attribute, the account transfer payment target account information may be the same as or different from the account associated with the check card / debit card, and thus the present invention is not limited thereto. .

Alternatively, when the payment attribute information includes a prepaid attribute, the account transfer payment target account information may be the same as or different from an account that automatically charges the prepaid card. The present invention is not limited thereto. No.

The validity authentication unit 220 confirms the validity of issuing the payment card 105 to the customer based on the customer information included in the received card issuance application information.

According to an embodiment of the present invention, the validity check for issuing the payment card 105 to the customer is based on a real name verification server (not shown) through a communication network based on the customer name and social security number included in the customer information. It is preferable to include the identification of the real name of the customer in conjunction.

In addition, when the payment card 105 comprises a credit card, the validity check for issuing the payment card 105 to the customer, in connection with the credit rating server through the communication network based on the customer information It is preferable to include verifying the credit information of the customer.

In addition, when the payment card 105 comprises a check card / debit card, the validity check for issuing the payment card 105 to the customer, the check card through the communication network based on the customer information It is preferable that the customer account linked to the debit card is made in connection with the financial institution server 100, which is opened, and confirms whether the customer account is opened and normally operated.

The information generating unit 225 checks the payment attribute information included in the card issuance application information received through the information receiving unit 215, and the payment associated with the payment attribute information in connection with the payment control D / B. The BIN information for each attribute is checked, and card information including the BIN information for each payment attribute is generated (or extracted).

According to the method of the present invention, when the account transfer payment account associated with the card information corresponding to the payment card 105 is opened only in a plurality of financial companies (for example, banks), the information generation unit 225 The BIN information included in the generated card information includes information for identifying a financial institution in which the account for which payment is set up, or corresponds to a financial institution for which an account for payment in account is opened in response to one payment attribute. It is preferable to include BIN information.

The card information may include 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 payment card 105. Preferably, the first four digits (or six digits) of the card number include BIN information for each payment attribute corresponding to the payment card 105.

That is, when generating the card number, the information generation unit 225 corresponds to the remaining 9-digit (or 12-digit) card serial number, the BIN information for each payment attribute, and the card serial number except for the BIN information for each payment attribute. It is desirable to create one check digit.

When the card information to be provided in the payment card 105 is generated by the information generation unit 225, the card issuing unit 235 is a payment card 105 including the card information through a card issuing device 240 ) (Or having the card information in the payment card 105), the payment card 105 is provided (or shipped) to the customer.

If the payment card 105 is an MS (Magnetic Stripe) card, the card issuing device 240 is at least one MS track (eg, track I, track II, track III) provided in the payment card 105 And an apparatus for recording the card information, wherein the information generator 225 generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the card issuer ( 235 issues the payment card 105 to be issued to the customer by recording the card information to the at least one MS track through the card issuing device 240.

Alternatively, if the payment card 105 is an IC (Integrated Circuit) card, the card issuing device 240 includes a device for recording the card information in the memory provided in the IC chip of the payment card 105 In this case, the information generating unit 225 generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 235 By recording the card information in the memory of the IC chip through the card issuing device 240, a payment card 105 to be issued to the customer is issued.

The payment card 105 manufactured as described above is provided to the customer, and / or is delivered to the customer according to a card providing procedure, after which the customer uses the payment card 105 through the card issuer according to the present invention. Will be used.

Thereafter, the information storage unit 230 includes customer information included in the card issuance application information received from the customer through the information receiving unit 215 and card information corresponding to the payment card 105 issued to the customer. And the card attribute information and the card limit information including the payment attribute information are stored in the card management D / B.

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), mail address, etc.) of the customer who issued the payment card 105, and the member of the customer It is preferable to include at least one information (for example, member ID information).

Preferably, the card information includes a card number corresponding to the payment card 105 issued to the customer, and additionally, the card issuing organization information (eg, card issuing organization number (or code)) and card type information. (E.g., a card identification number (or code) and an expiration date information (some may be omitted) for the payment card 105 is preferably further included.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer, and a royalty including a mileage accumulation policy for the payment card 105. At least one attribute and at least one additional service attribute associated with the payment card 105 is preferably included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information about the payment card 105. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may be different from the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

In addition, the information storage unit 230 to the account transfer payment target account information included in the card issuance application information received from the customer through the information receiving unit 215 and the payment card 105 issued to the customer Corresponding card information is stored in the transfer payment management D / B.

According to the present invention, the transfer payment management D / B is a payment attribute (for example, postpaid) corresponding to the payment card 105 when the card payment processing through the payment card 105 in a general merchant (or non-affiliated merchant) Type, debit type, prepaid type), and when processing a card payment at an affiliated merchant (or membership affiliate), process a real-time account transfer payment through a financial company in preference to the payment attribute corresponding to the payment card 105. Means (e.g., a card company, a financial company, a bansa company, or a payment agent, or a payment terminal 110, or a client terminal 130, or a payment card 105) is an IC card. IC chip) or a financial company that processes the real-time account transfer payment.

3 is a diagram illustrating a card issuing process of issuing a payment card 105 for converting a card payment of an affiliated merchant to a bank transfer payment according to an embodiment of the present invention and processing a payment.

In more detail, in Figure 3, the card issuing staff writes a card issuing application through a face-to-face card issuing interface (e.g., the card issuing application, employee terminal, and communication network) in the card issuing system shown in FIG. When the card issuing agent, the card issuing officer inputs (or selects) card issuing application information corresponding to the card issuing application through a card issuing terminal and transmits it to the card issuing server 200 and the card issuing server 200 ) Is a process for issuing a payment card 105 for preferential bank transfer payment to the affiliated merchant based on the card issuing application information, and having a general knowledge in the technical field to which the present invention belongs. As it grows, refer to and / or modify this drawing to make the payment for preferential bank transfer payment to the affiliated merchant. Various implementation methods for issuing a card 105 may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the payment card 105 is produced and provided (or shipped) to the customer, and then the card management information is stored in the card management D / B. Accordingly, the process of storing card management information in the card management D / B may be performed before the payment card 105 is manufactured or before the payment card 105 is provided (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 3, the card issuing terminal shown in FIG. 2 is referred to as "terminal" for convenience, and the card issuing server 200 is referred to as "server" for convenience.

Referring to FIG. 3, in order for the customer to be issued the payment card 105 for preferential bank transfer payment for the affiliated merchant, the customer issues a face-to-face card issuance interface (eg, the card issuance application form and the employee terminal and communication network). When a card issuance application (for example, a document having a form for filling in at least one information item for preferential bank transfer payment for the affiliated merchant) is completed and submitted to the card issuing staff, the card issuing staff The terminal receives (or selects) card issuance application information corresponding to the card issuance application written by the customer through a user interface (300), and transmits the card issuance application information to the server through the communication network (305). ).

According to an embodiment of the present invention, the card issuing application information includes customer information of the card issuing customer, payment attribute information corresponding to the payment card 105 (for example, postpaid, debit, and prepaid); At least one or more account transfer payment target account information for processing real-time account transfer payment through a financial company in preference to a payment attribute corresponding to the payment card 105 in the affiliated merchant when processing payment through the payment card 105. It is made to include.

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 200 It is preferable to include at least one member information (for example, member ID information) subscribed to.

The payment attribute information is information for specifying a payment attribute (eg, postpaid type, debit type, prepaid type, etc.) of the payment card 105 issued to the customer, and the payment card 105 is any of the payment attributes. It is preferable to issue one payment attribute.

For example, when the payment attribute information includes a postpaid attribute, the payment card 105 is preferably issued including a credit card attribute, and when the payment attribute information includes a debit attribute, the payment card Preferably, 105 is issued including a check card / debit card attribute. When the payment attribute information includes a prepaid attribute, the payment card 105 is issued including a prepaid rechargeable card attribute. desirable.

The account information subject to payment transfer is for processing real-time account transfer payment through a financial company in preference to a payment attribute corresponding to the payment card 105 at the affiliated merchant when processing payment through the payment card 105. It is preferable to include financial company information in which an account (for example, a real account, a virtual account, or an online account) in a customer's name is opened, and an account number and account holder information for the account in the customer's name.

If the payment attribute information includes a postpaid attribute, the account transfer payment target account information may be the same as or different from the account that automatically transfers the monthly settlement amount of the credit card, thereby limiting the present invention. No.

Alternatively, when the payment attribute information includes a debit type attribute, the account transfer payment target account information may be the same as or different from the account associated with the check card / debit card, and thus the present invention is not limited thereto. .

Alternatively, when the payment attribute information includes a prepaid attribute, the account transfer payment target account information may be the same as or different from an account that automatically charges the prepaid card. The present invention is not limited thereto. No.

Thereafter, the server receives and reads the card issuing application information from the terminal through the communication network, based on the customer information included in the card issuing application information, to the customer for the preferred account transfer payment for the affiliated merchant. Check the card issuance validity for issuing the payment card 105 (310).

According to an embodiment of the present invention, the validity check for issuing the payment card 105 to the customer is based on a real name verification server (not shown) through a communication network based on the customer name and social security number included in the customer information. It is preferable to include the identification of the real name of the customer in conjunction.

In addition, when the payment card 105 comprises a credit card, the validity check for issuing the payment card 105 to the customer, in connection with the credit rating server through the communication network based on the customer information It is preferable to include verifying the credit information of the customer.

In addition, when the payment card 105 comprises a check card / debit card, the validity check for issuing the payment card 105 to the customer, the check card through the communication network based on the customer information It is preferable that the customer account linked to the debit card is made in connection with the financial institution server 100, which is opened, and confirms whether the customer account is opened and normally operated.

If the validity to issue the payment card 105 to the customer is not authenticated through the card issuing application information (315), the server provides the card issuing error information to the customer through the card issuing interface. 320, stop issuing the payment card 105 to the customer.

On the other hand, if the validity to issue the payment card 105 to the customer through the card issuing application information is authenticated (315), the server is linked with the payment control D / B based on the card issuing application information; The card information corresponding to the payment card 105 to be issued to the customer is generated (or extracted) (325).

According to the embodiment of the present invention, the server checks the payment attribute information included in the card issuance application information, checks the BIN information for each payment attribute associated with the payment attribute information in connection with the payment control D / B. In addition, it is preferable to generate (or extract) card information including BIN information for each payment attribute.

The card information may include 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 payment card 105. Preferably, the first four digits (or six digits) of the card number include BIN information for each payment attribute corresponding to the payment card 105.

That is, when generating the card number, the server generates a remaining 9-digit (or 12-digit) card serial number except the BIN information for each payment attribute, and one check digit corresponding to the BIN information and card serial number for each payment attribute. It is desirable to produce.

According to an embodiment of the present invention, if the payment card 105 is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the payment card 105 is an IC card, the generated card information may include a file structure operable through a chip operating system (COS) provided in the IC chip. Do.

Thereafter, the server manufactures a payment card 105 having the card information through the card issuing device 240 and provides (or delivers) it to the customer (330).

According to an embodiment of the present invention, if the payment card 105 is an MS card, the card issuing device 240 may include at least one or more MS tracks (eg, track I, track II, etc.) provided in the payment card 105. And a device for recording the card information on track III).

According to another exemplary embodiment of the present invention, if the payment card 105 is an IC card, the card issuing device 240 records the card information in a memory provided in the IC chip of the payment card 105. It is preferable to comprise.

Subsequently, the server processes the card information and the card limit information including the customer information included in the card issuance application information, the card information corresponding to the payment card 105 issued to the customer, and the payment attribute information. The card is stored in the card management D / B (335).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the payment card 105, the member information of the customer (E.g., member ID information) is preferably included.

Preferably, the card information includes a card number corresponding to the payment card 105 issued to the customer, and additionally, the card issuing organization information (eg, card issuing organization number (or code)) and card type information. (E.g., a card identification number (or code) and an expiration date information (some may be omitted) for the payment card 105 is preferably further included.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer, and a royalty including a mileage accumulation policy for the payment card 105. At least one attribute and at least one additional service attribute associated with the payment card 105 is preferably included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (eg, credit card payment attribute), the card limit information is credit limit amount information for the payment card 105. It is preferable to comprise a.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may be different from the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

In addition, the server transfers payment management D / B by linking the account transfer payment target account information included in the card issuance application information received from the customer with the card information corresponding to the payment card 105 issued to the customer. In operation 340.

According to the present invention, the transfer payment management D / B is a payment attribute (for example, postpaid type) corresponding to the payment card 105 when the card payment processing through the payment card 105 in a general merchant (or non-affiliated merchant) , Debit or prepaid), and when processing a card payment at an affiliated merchant (or membership affiliate), process a real-time account transfer payment through a financial company in preference to the payment attribute corresponding to the payment card 105. Means (e.g., a card company, a financial company, a bansa company, or a payment agent, or a payment terminal 110, or a client terminal 130, or a payment card 105) is an IC card. IC chip) or a financial company that processes the real-time account transfer payment.

4 is a diagram illustrating a card issuing process of issuing a payment card 105 for converting a card payment of an affiliated merchant to a bank transfer payment according to another embodiment of the present invention for payment processing.

In more detail, FIG. 4 illustrates a non-face-to-face card issuing interface (eg, a communication network with a client terminal 130 including at least one wired terminal and / or a wireless terminal) in a card issuing system shown in FIG. When the card issuing server 200 is connected to the card issuing application information through input (or selection) and transmitted, the card issuing server 200 provides the customer with respect to the affiliated merchant based on the card issuing application information. As a process of issuing a payment card 105 for preferential bank transfer payment, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to the affiliated merchants. Various implementation methods of issuing the payment card 105 for preferential bank transfer payment may be inferred, but the present invention is inferred from the actual Include all of the methods, and is not limited to the exemplary method shown in the figure 4.

For example, FIG. 4 illustrates the payment card 105 and stores (or delivers) the payment card 105 and stores the card management information in the card management D / B. Accordingly, the process of storing card management information in the card management D / B may be performed before the payment card 105 is manufactured or before the payment card 105 is provided (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 4, the card issuing terminal shown in FIG. 2 is referred to as "terminal" for convenience, and the card issuing server 200 is referred to as "server" for convenience.

Referring to FIG. 4, the customer accesses the server through a terminal to connect a communication channel for card issuance application, and the payment card 105 for preferential account transfer payment to the affiliated merchant through the communication channel. Apply for issuing (400), and in response, the server generates (or extracts) a user interface for issuing the payment card 105 and provides it to the terminal through the communication channel (405).

Thereafter, the terminal receives (or selects) the card issuing application information through the user interface and transmits the input (or selection) of the card issuing application information to the server through the communication channel (410).

According to an embodiment of the present invention, the card issuing application information includes customer information of the card issuing customer, payment attribute information corresponding to the payment card 105 (for example, postpaid, debit, and prepaid); At least one or more account transfer payment target account information for processing real-time account transfer payment through a financial company in preference to a payment attribute corresponding to the payment card 105 in the affiliated merchant when processing payment through the payment card 105. It is made to include.

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 200 It is preferable to include at least one member information (for example, member ID information) subscribed to.

The payment attribute information is information for specifying a payment attribute (eg, postpaid type, debit type, prepaid type, etc.) of the payment card 105 issued to the customer, and the payment card 105 is any of the payment attributes. It is preferable to issue one payment attribute.

For example, when the payment attribute information includes a postpaid attribute, the payment card 105 is preferably issued including a credit card attribute, and when the payment attribute information includes a debit attribute, the payment card. Preferably, 105 is issued including a check card / debit card attribute. When the payment attribute information includes a prepaid attribute, the payment card 105 is issued including a prepaid rechargeable card attribute. desirable.

The account information subject to payment transfer is for processing real-time account transfer payment through a financial company in preference to a payment attribute corresponding to the payment card 105 at the affiliated merchant when processing payment through the payment card 105. It is preferable to include financial company information in which an account (for example, a real account, a virtual account, or an online account) in a customer's name is opened, and an account number and account holder information for the account in the customer's name.

If the payment attribute information includes a postpaid attribute, the account transfer payment target account information may be the same as or different from the account that automatically transfers the monthly settlement amount of the credit card, thereby limiting the present invention. No.

Alternatively, when the payment attribute information includes a debit type attribute, the account transfer payment target account information may be the same as or different from the account associated with the check card / debit card, and thus the present invention is not limited thereto. .

Alternatively, when the payment attribute information includes a prepaid attribute, the account transfer payment target account information may be the same as or different from an account that automatically charges the prepaid card. The present invention is not limited thereto. No.

Thereafter, the server receives and reads the card issuance application information from the terminal through the communication network, based on the customer information included in the card issuance application information to the customer for the preferred account transfer payment for the affiliated merchant; The card issuance validity is confirmed for issuing the payment card 105 (415).

According to an embodiment of the present invention, the validity check for issuing the payment card 105 to the customer is based on a real name verification server (not shown) through a communication network based on the customer name and social security number included in the customer information. It is preferable to include the identification of the real name of the customer in conjunction.

In addition, when the payment card 105 comprises a credit card, the validity check for issuing the payment card 105 to the customer, in connection with the credit rating server through the communication network based on the customer information It is preferable to include verifying the credit information of the customer.

In addition, when the payment card 105 comprises a check card / debit card, the validity check for issuing the payment card 105 to the customer, the check card through the communication network based on the customer information It is preferable that the customer account linked to the debit card is made in connection with the financial institution server 100, which is opened, and confirms whether the customer account is opened and normally operated.

If the validity to issue the payment card 105 to the customer is not authenticated through the card issuing application information (420), the server provides card issuing error information to the customer through the card issuing interface. 425, stop issuing the payment card 105 to the customer.

On the other hand, if the validity to issue the payment card 105 to the customer is authenticated through the card issuing application information (420), the server is issued to the customer based on the card issuing application information payment card 105 In operation 430, card information corresponding to the terminal is generated (or extracted).

According to the embodiment of the present invention, the server checks the payment attribute information included in the card issuance application information, checks the BIN information for each payment attribute associated with the payment attribute information in connection with the payment control D / B. It is preferable to generate (or extract) card information including BIN information for each payment attribute.

The card information may include 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 payment card 105. Preferably, the first four digits (or six digits) of the card number include BIN information for each payment attribute corresponding to the payment card 105.

That is, when generating the card number, the server generates a remaining 9-digit (or 12-digit) card serial number except the BIN information for each payment attribute, and one check digit corresponding to the BIN information and card serial number for each payment attribute. It is desirable to produce.

According to an embodiment of the present invention, if the payment card 105 is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the payment card 105 is an IC card, the generated card information may include a file structure operable through a chip operating system (COS) provided in the IC chip. Do.

Thereafter, the server generates a payment card 105 having the card information through the card issuing device 240 and provides (or delivers) the service to the customer (435).

According to an embodiment of the present invention, if the payment card 105 is an MS card, the card issuing device 240 may include at least one or more MS tracks (eg, track I, track II, etc.) provided in the payment card 105. And a device for recording the card information on track III).

According to another exemplary embodiment of the present invention, if the payment card 105 is an IC card, the card issuing device 240 records the card information in a memory provided in the IC chip of the payment card 105. It is preferable to comprise.

Thereafter, the server further includes card information and a card including customer information included in the card issuance request information, card information corresponding to the payment card 105 issued to the customer, and the payment attribute information. The limit information is cooperatively processed and stored in the card management D / B (440).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the payment card 105, the member information of the customer (E.g., member ID information) is preferably included.

Preferably, the card information includes a card number corresponding to the payment card 105 issued to the customer, and additionally, the card issuing organization information (eg, card issuing organization number (or code)) and card type information. (E.g., a card identification number (or code) and an expiration date information (some may be omitted) for the payment card 105 is preferably further included.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer, and a royalty including a mileage accumulation policy for the payment card 105. At least one attribute and at least one additional service attribute associated with the payment card 105 is preferably included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information about the payment card 105. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may be different from the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

In addition, the server transfers payment management D / B by linking the account transfer payment target account information included in the card issuance application information received from the customer with the card information corresponding to the payment card 105 issued to the customer. Store in 445.

According to the present invention, the transfer payment management D / B is a payment attribute (for example, postpaid type) corresponding to the payment card 105 when the card payment processing through the payment card 105 in a general merchant (or non-affiliated merchant) , Debit or prepaid), and when processing a card payment at an affiliated affiliate (or membership affiliate), process real-time account transfer payment through a financial company in preference to the payment attribute corresponding to the payment card 105. Means for controlling the IC (e.g., a card company, a financial company, a bansa company, a payment agency, a payment terminal 110, a client terminal 130, or a payment card 105) is an IC card. Chip) or a financial company that processes the real-time account transfer payment.

5 is a diagram showing the configuration of a card payment system for processing a preferred account transfer payment for the affiliated merchant in the card company according to an embodiment of the present invention.

In more detail, Figure 5 is a card payment processing at the payment terminal 110 provided in each affiliate store using the payment card 105 issued through the card issuing system shown in Figure 2, the card company for affiliated merchants As a card payment system for processing preferential bank transfer payments, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 5 to process preferential bank transfer payments for the affiliated merchants. Various implementation methods for the card payment system configuration can be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, FIG. 5 illustrates the technical features of the present invention in detail through an implementation method in which the payment control D / B and the transfer payment management D / B on the card issuing system shown in FIG. 2 work with the card company server 140. However, the present invention is not limited thereto, and it will be apparent that the payment control D / B or the transfer payment management D / B may be provided in the financial company server 100 according to the intention of the person skilled in the art.

Referring to FIG. 5, a card payment system for processing preferential bank transfer payment for the affiliated merchant includes a payment terminal 110 provided at an affiliated store and the payment card 105 through the card issuing system shown in FIG. 2. Is issued to the card company server 140 for processing the payment approval through the payment card 105 and a value added network (VAN) for relaying the payment terminal 110 and the card company server 140. It characterized in that it comprises a bansa server 135.

Although the card company server 140 is illustrated as one server in FIG. 5 for convenience, this is only an exemplary method for efficiently describing the technical features of the card company server 140 in the present invention, and the intention and card payment of those skilled in the art. According to the system implementation method, the card company server 140 will be apparent that it may be implemented in the form of a system consisting of a plurality of servers for each functional component.

In addition, in FIG. 5, the bansa server 135 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 135 in the present invention. According to the card payment system implementation method, it is apparent that the bansa server 135 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The payment terminal 110 is characterized in that it comprises at least one CAT (Credit Authorization Terminal) provided in the merchant, or at least one point of sales (POS) terminal provided with a payment function.

According to an embodiment of the present invention, the payment terminal 110 includes at least one card reader for card payment processing, reads card information from the payment card 105 through the card reader, and a key input device. After inputting payment information (eg, payment amount, installment months, etc.), a payment approval request message including the card information, payment information, and the affiliated store information is generated to the bansa server 135 through a communication network. Characterized in that the transmission.

The bansa server 135 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, the IEEE 802.16x-based portable Internet and the like through a public communication network including at least one terminal connected to the payment terminal 110 provided in the merchant, x.25 based communication network, encryption / It is characterized in that the connection between the payment terminal 110 and the card company server 140 by connecting a communication channel with the card company server 140 through a dedicated communication network including at least one decryption-based communication network.

According to the embodiment of the present invention, the bansa server 135 receives the payment approval request text encrypted with the bansa encryption key from the payment terminal 110, and decrypts the payment approval request text with the decryption key of bansa, The card information included in the decrypted payment approval request text is read to confirm a card company server 140 to which the payment approval request text is transmitted by reading a bank identification number (BIN), and the payment approval request text (or the payment approval request). It is preferable to encrypt the card information included in the preamble and payment approval request information including payment information and merchant information) with an encryption key that can be decrypted by the confirmed card company server 140 and then transmitted to the card company server 140. .

The card company server 140 issues the payment card 105 through the card issuing system shown in FIG. 2 and based on the card information included in the payment approval request message received from the bansa server 135. Confirming a payment approval limit amount (for example, a credit limit or a balance of a linked account) for the payment card 105, and approving a payment for the payment amount included in the payment information through the payment approval limit amount; It is characterized by.

According to the embodiment of the present invention, the card company server 140 is a payment approval request full text (or card information included in the payment approval request full text) encrypted with the encryption key of the card company server 140 from the bansa server 135 Payment approval request information including information and affiliated store information) is preferably received and decrypted to check card information, payment information, and merchant information included in the full payment approval request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 140 is authorized for payment for a payment approval limit amount (for example, the credit limit amount) for the payment card 105 and for a predetermined period of time. By confirming the cumulative payment approval amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount, the payment approval limit amount is If it is larger than the summed amount, it is preferable to approve the payment.

According to another embodiment of the present invention, when the card information is a check card, the card company server 140 checks the payment approval limit amount (for example, the balance of the linked account) for the payment card 105, By comparing the payment authorization limit amount and the payment amount included in the payment information, when the payment approval limit amount is larger than the payment amount, it is preferable to approve the payment.

If one of ordinary skill in the art to which the present invention pertains, the technical features of the payment terminal 110, the bansa server 135 and the card company server 140 operating as described above will be familiar with the technical features, Detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the bansa server 135 may include an interface unit 500 for connecting and managing a communication channel with a payment terminal 110 provided at the affiliated store through a communication network (for example, a public communication network), and the interface. The professional receiving unit 505 for receiving the payment approval request text through the communication channel in association with the 500, and reads the card information included in the received payment approval request text (or payment approval). An information checking unit 515 for checking the card company server 140 to relay the request information) and an information transmitting unit for transmitting the full payment approval request message (or payment approval request information) to the confirmed card company server 140 ( 520 and an information receiver 525 for receiving payment approval result information (or payment approval result full text) including payment processing details corresponding to the full payment approval request message from the card company server 140, and an interface unit 5. It is characterized in that it comprises a specialized transmission unit 510 for transmitting the full payment approval result including the payment processing details to the payment terminal 110 through the communication channel in conjunction with 00).

The interface unit 500 transmits and receives specialized payment-related transmission and payment to the payment terminal 110 provided in the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 135 and the payment terminal 110 provided in the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

In the payment terminal 110 to which the communication channel is connected, the card information is read from the payment card 105 through a card reader, and the payment information (for example, payment amount and installment months, etc.) is input through a key input device. Subsequently, when a payment approval request message including the card information, payment information, and the affiliate store information is generated and transmitted through a communication network, the full text receiving unit 505 is connected to the interface unit 500 and the payment terminal 110. Characterized in that it receives the payment approval request full text from.

If the payment approval request message is encrypted and transmitted by the payment terminal 110 through the bansa encryption key, the message receiving unit 505 preferably decrypts the encrypted payment approval request message.

When the payment approval request message is received, the information checking unit 515 reads a BIN of card information included in the payment approval request message, and the card company server to which the payment approval request message (or payment approval request information) is relayed and transmitted. It is characterized by checking the 140.

When the card company server 140 to which the payment approval request message (or payment approval request information) is relayed and transmitted is confirmed by the information checking unit 515, the information transmitting unit 520 may be connected with the bansa server 135. It is characterized in that for transmitting the payment approval request full text (or payment approval request information) to the card company server 140 through a communication channel connected between the card company server 140.

Thereafter, the card company server 140 performs a payment approval procedure corresponding to the full payment approval request message (or payment approval request information), and responds to the full payment approval request message (or payment approval request information) through the communication channel. The payment approval result information (or payment approval result full text) including the payment processing history is transmitted, wherein the information receiving unit 525 receives the payment approval result information (or payment approval) from the card company server 140 through the communication channel. To receive the full text of the result).

According to an embodiment of the present invention, if the payment corresponding to the payment approval request full text (or payment approval request information) is approved by the card company server 140, the payment approval result information (or payment approval result full text) is included. The payment processing details may include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 for which payment has been approved.

According to another embodiment of the present invention, when the payment corresponding to the payment approval request full text (or payment approval request information) is not approved in the card company server 140, the payment approval result information (or payment approval result full text) The payment processing history included in the payment card 105 preferably comprises at least one card information and payment error information.

When the payment approval result information (or payment approval result full text) is received from the card company server 140, the specialized transmission unit 510 connects the payment processing history through the communication channel in association with the interface unit 500. Characterized in that it transmits the payment approval result full text to the payment terminal 110, wherein the interface unit 500 is a process of verifying that the payment approval result full text is transmitted to the payment terminal (110). It is preferable to carry out more.

According to the present invention, the card company server 140 corresponds to the customer information issued with the payment card 105 and the payment card 105 issued to the customer through the card issuing system shown in FIG. Or a card management D / B for linking and storing card information, card attribute information and card limit information, or interworking with a DBMS operating the card management D / B, or having the card management D / B. It is preferable to link with a DB server (not shown).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number) of the customer who issued the payment card 105 through the card issuing system shown in Figure 2, E-mail address, etc.) and at least one member information (eg, member ID information) of the customer.

The card information may include a card number corresponding to the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and additionally, the card issuing institution information (eg, a card). Issuing organization number (or code)) and card type information (e.g., card identification number (or code)) and the expiration date information (some may be omitted) for the payment card 105 is preferably made.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and the payment card ( It is preferable that the loyalty attribute including a mileage accrual policy for 105 and at least one or more additional service attributes associated with the payment card 105 are included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information about the payment card 105. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may be different from the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

According to the present invention, the card company server 140, when the payment is approved through the payment card 105 through the card issuing system shown in FIG. It is preferable to provide, or to interlock with a DBMS operating the payment history D / B, or to work with a DB server (not shown) provided with the transaction history card management D / B.

Here, the payment history information, card information for the payment card 105 approved for payment, payment approval date, payment approval amount, merchant information and payment approval information preferably comprises at least one or more.

The card information is information that matches card information provided in the card management D / B, and preferably includes a card number, and the card management D / B and the payment history D / B through the card information. B is preferably linked in a relational manner.

The payment approval date and time, it is preferable that the card company server 140 includes the date and time of payment approval processing of the payment amount through the payment card 105.

The payment approval amount is preferably made of the payment information through the payment card 105 in the card company server 140, the settlement information is processed, the settlement processing of the approved payment amount in accordance with the intention of those skilled in the art It is preferable to further include the settlement amount information.

The affiliated store information is information for identifying an affiliated store that has requested payment approval for the payment amount through the payment card 105, and the affiliated store information includes affiliated store information (or affiliated store code) included in the full payment approval request message, and It is preferable that the payment is made to include the account information of the merchant to settle the settlement of the payment amount.

The payment approval information may include a payment approval number assigned by the card company server 140 when the payment is approved through the payment card 105.

Referring to FIG. 5, the card company server 140 may be connected to the communication unit 530 for connecting and managing a communication channel with the bansa server 135 through a communication network (for example, a dedicated communication network), and the communication unit 530. The receiving unit 535 (or information receiving means) for receiving the payment approval request text (or payment approval request information) from the bansa server 135 and the received payment approval request text (or payment approval request information). The card information included is checked, and the BIN information included in the card information is compared with the BIN information for each payment attribute included in the payment control D / B, and the card information is obtained through the card issuing system shown in FIG. The card information checking unit 545 (or card information checking means) for checking whether the card is matched with the issued payment card 105, and the card information issuing card shown in FIG. 2 by the card information checking unit 545. Issued through the system When matched with the payment card 105, check the merchant information contained in the full payment approval request (or payment approval request information), and compares the merchant information and the affiliated merchant information stored in the payment control D / B to the A merchant is provided with a merchant verification unit 550 (or merchant verification means) for confirming whether the affiliated merchants are affiliated to process real-time account transfer payments through a financial company in preference to the payment attribute corresponding to the payment card 105. It features.

The communication unit 530 connects a communication channel for transmitting / receiving the full-text (or information) related to payment with the bansa server 135 through a communication protocol corresponding to the communication network connecting the card company server 140 and the bansa server 135. Characterized in that.

When the bansa server 135 transmits the full payment approval request message (or payment approval request information) through the communication channel, the receiving unit 535 is linked with the communication unit 530 to provide card information, payment information, and merchant information. Characterized in that for receiving the full payment approval request (or payment approval request information) including at least one.

If the payment approval request message (or payment approval request information) is transmitted from the bansa server 135 by using the encryption key of the card company server 140, the receiving unit 535 receives the encrypted payment approval request. It is preferable to decrypt the full text (or payment approval request information).

When the payment approval request text (or payment approval request information) is received, the card information verification unit 545 checks card information included in the payment approval request text (or payment approval request information), and the confirmed card By querying the card information stored in the card management D / B through the information, it is confirmed whether the card corresponding to the card information matches the payment card 105 issued through the card issuing system shown in FIG. It is done.

In addition, the card information verification unit 545 is a card that the payment card 105 is reported as lost in the card information verification process, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), or It is preferable to further include a step of checking whether the expiration date has passed.

When the validity of the card information included in the full payment approval request (or payment approval request information) is confirmed by the card information checking unit 545, the card information checking unit 545 is a BIN included in the card information. After confirming the information, by confirming the card attribute information associated with the card information in connection with the card management D / B, by confirming the payment attribute information of the payment card 105 included in the card attribute information, the card It is characterized by checking the BIN information for each payment attribute included in the information.

When the BIN information for each payment attribute included in the card information is confirmed, the card information checking unit 545 compares the checked BIN information for each payment attribute and BIN information for each payment attribute provided in the payment control D / B. Characterized in that the card information is matched with the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2, the affiliated store identification unit 550 completes the payment approval request message (or payment). Check the affiliate store information (for example, the affiliate store number) included in the authorization request information), compare the affiliate store information with the affiliate store information stored in the payment control D / B, and the affiliate store corresponding to the payment card 105; It is characterized by checking whether or not affiliated affiliated stores to handle real-time account transfer payments through a financial company in preference to attributes.

Referring to FIG. 5, when the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2 and the affiliated store information matches the affiliated affiliated store information, the card company server 140 The account information confirmation unit 555 (or account information verification means) for confirming the account information payment target account corresponding to the card information, and confirms the affiliated merchant account information corresponding to the affiliated merchant information, and the communication network. Transfer payment request unit 580 for requesting real-time account transfer payment by transmitting the account information, payment amount information and affiliated merchant account information to the financial institution server 100 corresponding to the account transfer payment target account information through (Or a bank transfer request means) and a transfer result receiving unit 5 for receiving the transfer result information from the financial institution server 100 through the communication network. 85) (or an account transfer result receiving means), and, upon receiving the account transfer result information, a generation unit for generating payment approval result information (or full payment approval result) including the account transfer result. 570 (or information generating means) and a transmission unit for transmitting the generated payment approval result information (or payment approval result full text) to the bansa server 135 through the communication channel in association with the communication unit 530. 540 (or information transmission means) is characterized in that it comprises.

The card information confirming unit 545 confirms that the card information matches the payment card 105 issued through the card issuing system shown in FIG. 2, and the affiliated store information is determined by the blind spot checking unit. When it is confirmed that the match with the affiliated merchant information, the account information verification unit 555 checks the account information payment target account information corresponding to the card information in connection with the transfer result management D / B, and the payment control D And affiliated merchant account information corresponding to the affiliated affiliate store information in connection with / B (or card management D / B).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The account information verification unit 555 for checking account information may be provided in the financial company server 100.

Or, if the payment control D / B is also provided in the financial company server 100, the account information verification unit 555 for confirming the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B ) May be provided in the financial company server (100).

Thereafter, the transfer payment request unit 580 is confirmed through the account information payment target account information and payment amount information and the account information verification unit 555 confirmed through the account information verification unit 555 through a communication network. The affiliated merchant account information is characterized in that the request for real-time account transfer payment by transmitting to the financial company server 100 corresponding to the account information subject to the payment settlement.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, the transfer result request unit 580 or 580 replaces the account information subject to payment transfer. The card information may be transmitted to the financial institution server 100 in this case. In this case, the financial institution server 100 may transfer the account information corresponding to the card information in connection with the transfer result management D / B. It is desirable to confirm.

Alternatively, when the payment control D / B is also provided in the financial company server 100, the transfer result request unit 580, 580, the affiliated merchant information in place of the affiliated merchant account information, the financial company server 100 In this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in association with the payment control D / B.

The bank transfer server receiving the account information, the payment amount information and the affiliate merchant account information for the account transfer payment, withdraws the payment amount information from the account for payment settlement account, and transfers the payment amount information to the affiliated merchant account in real time. After performing the transfer, the transfer result information is transferred from the financial company server 100, and the transfer result receiving unit 585 receives the transfer result information from the financial company server 100 through a communication network. do.

Thereafter, the generation unit 570 generates payment approval result information (or full payment approval result) including the transfer result, and the transmission unit 540 establishes the communication channel in association with the communication unit 530. The payment approval result information (or payment approval result full text) generated through the bansa server 135 is characterized in that for transmitting.

Referring to FIG. 5, if the card information does not match the payment card 105 issued through the card issuing system shown in FIG. 2 or if the affiliate information does not match the affiliated affiliate information, the card company server If the card information is matched with each other, the payment approval limit amount corresponding to the card information is checked, and the payment approval request amount (or payment approval request information) included in the payment approval limit amount is confirmed. A payment approval processing unit 560 (or payment approval processing means) for approving the payment for the payment amount, a details generation unit 565 (or details generation means) for generating a payment processing history including the payment approval result; And a generation unit 570 (or information generating means) for generating payment approval result information (or full payment approval result) including the payment processing details, and the communication unit 530. And a transmission unit 540 (or information transmission means) for transmitting the generated payment approval result information (or full payment approval result) to the bansa server 135 through a communication channel. Upon approval of the payment by the approval processing unit 560, further comprising an information storage unit 575 (or information storage means) for storing the payment history information contained in the payment processing history in the payment history D / B It is characterized by.

The card information confirming unit 545 does not confirm that the card information matches the payment card 105 issued through the card issuing system shown in FIG. 2 or by the merchant checking unit 550. If it is not confirmed that the affiliated store information matches the affiliated affiliated store information, the payment approval processing unit 560 sets the payment authorization limit amount corresponding to the card limit information provided in connection with the card information in the card management D / B. And confirming and approving payment for the payment amount included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount.

According to the method of the present invention, the payment approval processing unit 560 first checks the payment approval amount, the payment attribute corresponding to the card information in association with the card management D / B (for example, deferred payment, debit) Mold, prepaid, etc.) is preferable.

According to one embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (eg, credit card payment attribute), the payment approval processing unit 560 may include a credit limit amount included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 560 charges the information included in the card limit information. It is preferable to check the amount information as the payment authorization limit amount for the payment card 105.

When the payment approval limit amount for the payment card 105 is confirmed, the payment approval processing unit is configured for the payment amount included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. It is characterized by checking whether the payment approval or payment error for each payment property.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit is connected to the payment history D / B for a predetermined period of time. Confirm the cumulative payment approval amount approved through the payment card 105, add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit. It is preferable to compare the amount (for example, the credit limit amount) to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the payment approval processing unit 560 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 560 may set the payment approval limit. It is preferable to check the payment approval or payment error for the payment amount by comparing the amount (eg, the balance of the linked account) with the payment amount included in the payment information.

For example, when the payment authorization limit amount (eg, the balance of the linked account) is larger than the payment amount, the payment approval processing unit 560 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 560 may set the payment approval limit amount (eg, It is preferable to check the payment authorization or payment error for the payment amount by comparing the payment amount) and the payment amount included in the payment information.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, it is preferable that the payment approval processing unit approves the payment.

When the payment approval process for the payment amount is completed by the payment approval processing unit 560, the details generation unit 565 includes a payment processing result including the payment approval result approved by the payment approval processing unit 560. Characterized by generating a history.

When the payment is approved according to an embodiment of the present invention, the payment processing details include the card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, when the payment is not approved, the payment processing details may include at least one card information and payment error information for the payment card 105.

When the payment processing details are generated, the generation unit 570 generates payment approval result information (or full payment approval result) including the payment processing details, and the transmission unit 540 is the communication unit. In operation 530, the payment approval result information (or payment approval result) may be transmitted to the bansa server 135 through the communication channel.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 560, the information storage unit 575 and the card information included in the payment processing history generated by the history generation unit 565 and The payment history information including payment approval date, payment approval amount, merchant information and payment approval information is stored in the payment history D / B.

Referring to FIG. 5, the financial company server 100 receives a transfer information receiving unit 590 for receiving the account transfer payment target account information, payment amount information, and affiliated merchant account information from the card company server 140 through the communication network. (Or a bank transfer information receiving means) and a financial system in which an account corresponding to the account transfer payment target account information is opened, withdraw the payment amount from the bank transfer payment target account, and calculate the withdrawn payment amount. Transfer payment processing unit 595 (or account transfer payment processing means) for transferring payment processing to the affiliated merchant account and transfer result generation unit 596 for generating account transfer result information corresponding to the transfer payment (or account) A transfer result generating unit) and a transfer result transmitting unit 597 for transmitting the generated transfer result information to the card company server 140 through the communication network; Is a transfer account transfer means) and, if the transfer payment is successfully performed by the transfer settlement processing unit 595, the account information for the account transfer payment information, the account transfer payment amount information, and the account transfer payment amount; And a storage unit 598 (or storage means) for linking the transfer fee information with the affiliated merchant account information and storing it in the account transfer management D / B.

When the card company server 140 transmits the account transfer payment target account information and payment amount information and the affiliated merchant account information to the financial company server 100 corresponding to the account transfer payment target account information through a communication network, the transfer is performed. The information receiving unit 590 may receive the account transfer payment target account information, payment amount information, and affiliated merchant account information from the card company server 140 through the communication network.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, and the card information is received instead of the account information subject to the transfer payment, the financial institution server 100 ) Is preferably linked to the transfer result management D / B to check the account information for the account transfer payment corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received in place of the affiliated merchant account information, the financial company server 100 in conjunction with the payment control D / B It is preferable to confirm the affiliated merchant account information corresponding to the affiliated merchant information.

When the bank transfer payment target account information, payment amount information and affiliated merchant account information is received, the transfer payment processing unit 595 is a financial system (eg, the bank transfer) in which an account corresponding to the bank transfer payment account information is opened. It is characterized in that withdrawal of the payment amount from the bank transfer payment target account in conjunction with a system operated by the ledger corresponding to the payment target account.

Subsequently, the transfer settlement processing unit 595 transfers the settlement amount after deducting the account transfer fee from the withdrawn amount to the affiliated merchant account for payment processing.

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Thereafter, the transfer result generator 596 may generate account transfer result information corresponding to the transfer payment.

When the bank transfer payment is successfully performed according to an exemplary embodiment of the present invention, the bank transfer result information may include bank transfer history information (eg, bank transfer payment target account information, bank transfer payment amount information, and bank transfer payment amount). Account transfer fee information, account transfer date and time, affiliated merchant account information, etc.).

According to another exemplary embodiment of the present invention, when the bank transfer payment fails (for example, insufficient balance of the account for which the bank account is settled), the account transfer result information may include account transfer error information.

When the account transfer result information is generated by the transfer result generation unit 596, the transfer result transmission unit 597 transmits the generated account transfer result information to the card company server 140 through the communication network. It features.

According to another exemplary embodiment of the present invention, when the card information and the bansa server 135 information is further received from the card company server 140, the transfer result transmitting unit 597 transmits the transfer account result information to the bansa. It is possible to transmit directly to the server 135, whereby the present invention is not limited.

When the bank transfer payment is successfully performed by the transfer payment processing unit 595, the storage unit 598 transfers the bank information for the account transfer payment target account information, the account transfer payment amount information, and the account transfer payment amount. The information is linked to the affiliated merchant account information, characterized in that stored in the account transfer management D / B.

6 is a diagram illustrating a payment approval request process for preferential account transfer payment to an affiliated merchant according to an embodiment of the present invention.

In more detail, Figure 6 generates a full payment approval request in the payment terminal 110 on the card payment system shown in Figure 5 based on the payment card 105 issued through the card issuing system shown in Figure 2 If the transmission to the bansa server 135, the bansa server 135 relays the payment approval request full text (or payment approval request information) to the card company server 140 that issued the payment card 105 for the relay process As illustrated, those of ordinary skill in the art to which the present invention pertains, various implementation methods for the payment approval request process for preferential account transfer payment to the affiliated merchant by referring to and / or modifying the present Figure 6 It may be inferred, but the present invention comprises all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, the payment terminal 110 on the offline card payment system illustrated in FIG. 5 reads card information from the payment card 105 through a card reader, and receives payment information (eg, through a key input means). Payment amount, installment months, etc.) (600), and generates a full payment approval request message including the input card information and payment information and merchant information stored in the payment terminal 110 (605).

Thereafter, the payment terminal 110 connects a communication channel for professional transmission and reception with the bansa server 135 through the communication network (for example, a public communication network) (610).

If the communication channel is connected (615), the payment terminal 110 transmits the full text of the payment approval request to the bansa server 135 through the communication channel (620) and correspondingly the bansa server 135 ) Receives the full payment approval request message transmitted from the payment terminal 110 through the communication channel (625).

According to an embodiment of the present invention, when the payment approval request is encrypted and transmitted by the payment terminal 110 through the bansa encryption key, the bansa server 135 decrypts the encrypted payment approval request message. It is desirable to.

Then, the bansa server 135 checks the card information included in the full payment approval request (630).

According to the embodiment of the present invention, the bansa server 135 may further check the payment information and the merchant information included in the full payment approval request, and thus the present invention is not limited thereto.

Thereafter, the bansa server 135 reads the confirmed card information and checks the card company server 140 to transmit the full text of the payment approval request (635).

According to an embodiment of the present invention, the bansa server 135 reads the BIN of the card information included in the payment approval request text, and confirms the card company server 140 to which the payment approval request text is relayed. .

If the card company server 140 to transmit the payment approval request message is confirmed (640), the bansa server 135 to the confirmed card company server 140 to the payment approval request full text (or the payment approval request full text) The payment request information including the card information, payment information and merchant information included) is relayed and transmitted (645).

7 is a diagram illustrating a payment method selection process for the payment card 105 according to an embodiment of the present invention.

In more detail, in FIG. 7, when the payment approval request message (or payment approval request information) is received by the card company server 140 through the payment approval request process shown in FIG. 6, the payment is performed by the card company server 140. Card information included in the full text of the approval request (or payment approval request information) is matched with the payment card 105 issued through the card issuing system shown in FIG. After checking whether the affiliate information included is an affiliated merchant affiliated to process real-time account transfer payments through a financial company in preference to the payment attribute corresponding to the payment card 105, the card information is the card issuing system shown in FIG. Matched with the payment card 105 issued through, and when the affiliated store information matches the affiliated merchant information, the full payment approval request (or payment approval request information) ) Is a process for preferentially processing through the real-time account transfer payment through a financial company rather than the payment attribute of the payment card 105, if one of ordinary skill in the art to which the present invention belongs, Although various implementation methods for the payment method selection process for the payment card 105 may be inferred by referring to and / or modifying the drawing 7, the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the full payment approval request (or payment approval request information) is received by the card company server 140 through the payment approval request process illustrated in FIG. 6 (700).

According to the embodiment of the present invention, when the payment approval request full text (or payment approval request information) is encrypted and transmitted from the bansa server 135 through the encryption key of the card company server 140, the card company server 140 It is preferable to decrypt the encrypted payment approval request full text (or payment approval request information).

Then, the card company server 140 checks the card information, payment information and merchant information included in the full payment approval request (or payment approval request information) (705), the card management D through the confirmed card information By querying the card information stored in / B, it is checked whether the card corresponding to the card information matches the payment card 105 issued through the card issuing system shown in FIG.

According to the exemplary embodiment of the present invention, the card company server 140 is a card that the payment card 105 is reported missing in the process of checking the card information, or satisfies an unusable condition (for example, bad credit, delinquency, etc.). It is preferable that the card further comprises the step of checking whether or not the card has expired.

If the card information does not match with the payment card 105 issued through the card issuing system shown in FIG. 2 as a result of the checking (715), the card company server 140 includes payment error information. Generate payment approval result information (or full payment approval result) and transmit it to the bansa server 135 (720). In response, the bansa server 135 transmits the payment through a communication channel connected to the payment terminal 110. The payment approval result including the error information is transmitted to the payment terminal 110 and output in full (725).

On the other hand, if the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2 as a result of the checking (715), the card company server 140 corresponds to the payment attribute of the card information. Comparing the BIN information and the BIN information for each payment attribute provided in the payment control D / B to check whether the card information matches the payment card 105 issued through the card issuing system shown in Figure 2 (730) ).

According to the embodiment of the present invention, the card company server 140 checks the BIN information included in the card information, checks the card attribute information associated with the card information in association with the card management D / B, and By checking the payment attribute information of the payment card 105 included in the card attribute information, it is preferable to check the BIN information for each payment attribute included in the card information.

When the BIN information for each payment attribute included in the card information is confirmed, the card company server 140 compares the checked BIN information for each payment attribute with BIN information for each payment attribute provided in the payment control D / B. It is preferable to check whether the information matches the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2 (735), the card company server 140 may transmit the full payment approval request message ( Or check merchant information (eg, merchant number) included in payment approval request information), and compare the merchant information with affiliated merchant information stored in the payment control D / B and the merchant corresponds to the payment card 105. In operation 740, it is determined whether affiliated affiliated stores are affiliated to process real-time account transfer payment through a financial company.

If the card information is matched with the payment card 105 issued through the card issuing system shown in Figure 2, and the merchant information is confirmed as the affiliated merchant information (745), the card company server 140 is the Check the account information corresponding to the account transfer corresponding to the card information in connection with the transfer result management D / B, and cooperate with the affiliated merchant information in connection with the payment control D / B (or card management D / B). Check the merchant account information (750).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The function of checking the account information may be provided in the financial company server (100).

Or, if the payment control D / B is also provided in the financial company server 100, the function to check the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B is the financial company server (100) It is possible to be provided in).

If the account information payment target account information corresponding to the card information and the affiliated merchant account information corresponding to the affiliated merchant information is confirmed (755), the card company server 140 is confirmed through the account information verification unit through the communication network The bank transfer payment target account information, payment amount information and the affiliated merchant account information confirmed through the account information checking unit are transmitted to the financial company server 100 corresponding to the bank transfer payment target account information to request real-time transfer payment ( 760).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial company server 100, the card company server 140 may substitute the card information instead of the account information subject to payment transfer. It may be transmitted to the financial company server 100, and in this case, it is preferable that the financial company server 100 confirms the account information corresponding to the payment information corresponding to the card information in connection with the transfer result management D / B. .

Alternatively, when the payment control D / B is also provided in the financial company server 100, the card company server 140 may transmit the affiliated merchant information to the financial company server 100 instead of the affiliated merchant account information. In this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B.

8 is a diagram illustrating a process of processing a wire transfer payment prior to a payment attribute of a payment account according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to a payment attribute of a corresponding payment account through the payment method selection process shown in FIG. Regarding the process of processing the wire transfer payment in the financial company server 100, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 8 than the payment attribute of the payment account It will be possible to infer various implementation methods for the process of the first payment transfer process, but the present invention includes all the implementation methods inferred, the technical features are limited only by the implementation method shown in FIG. Not.

Referring to FIG. 8, if the payment method for the payment card 105 is selected to be processed through a transfer payment prior to the payment attribute of the corresponding payment account through the payment method selection process shown in FIG. The server 100 transfers payment account information corresponding to the card information of the payment card 105, payment amount information, and affiliated merchants in order to process the account transfer payment in preference to the payment attribute of the payment account through the communication network. Receive the account information (800).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, and the card information is received instead of the account information subject to the transfer payment, the financial institution server 100 ) Is preferably linked to the transfer result management D / B to check the account information for the account transfer payment corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received in place of the affiliated merchant account information, the financial company server 100 in conjunction with the payment control D / B It is preferable to confirm the affiliated merchant account information corresponding to the affiliated merchant information.

Thereafter, the financial institution server 100 connects to the financial system in which an account corresponding to the account transfer payment target account information is opened (for example, a system operated by a ledger corresponding to the account for payment transfer payment). The balance of the target account is checked (805), and the balance of the confirmed account transfer payment target account is compared with the payment amount to determine whether to approve the payment settlement (810).

If the bank transfer payment is not approved (815), the financial institution server 100 generates account transfer result information including the bank transfer payment error information and transmits it to the card company server 140 (820), the card company The server 140 generates payment approval result information (or full payment approval result) including the account transfer result information and transmits it to the bansa server 135 (845), and the bansa server 135 transmits the payment terminal. The payment approval result message is transmitted to the payment terminal 110 through the communication channel connected with the output 110 and outputs the received payment (850).

On the other hand, if the bank transfer payment is approved (815), the financial institution server 100 withdraws the amount corresponding to the payment amount from the bank transfer payment target account (825), the withdrawn The settlement amount obtained by deducting the account transfer fee from the amount is transferred to the affiliated merchant account and payment is processed (830).

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Subsequently, the financial institution server 100 associates the bank transfer payment target account information, the bank transfer payment amount information, the bank transfer fee information for the bank transfer payment amount, and the affiliated merchant account information to store in the bank transfer management D / B. (835).

Thereafter, the financial company server 100 generates account transfer result information including the account transfer history and transmits it to the card company server 140 (840), and the card company server 140 includes the account transfer result information. Generate payment approval result information (or full payment approval result) and transmit it to the bansa server 135 (845), the bansa server 135 through the communication channel connected to the payment terminal 110, the payment approval The full text of the result is transmitted to the payment terminal 110 and output (850).

9 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to an embodiment of the present invention.

In more detail, in FIG. 9, when the payment method for the payment card 105 is selected as the payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process illustrated in FIG. 7, the card company server 140 In accordance with the payment attribute of the payment card 105 in the process for the approval process for the requested payment through the full payment approval request (or payment approval request information), the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various implementation methods for the approval process according to the payment attribute of the payment account by referring to and / or modifying the figure 9, the present invention includes all the implementation methods inferred It is made, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9, when the payment method for the payment card 105 is selected as a payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process illustrated in FIG. 7, the card company server 140 In step 900, the card management D / B checks the payment approval limit amount for each payment attribute corresponding to the card limit information provided in connection with the card information.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 may provide credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may be assigned to the card limit information. It is preferable to check the included linked account information and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment approval limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 140 charges the amount of money included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

If the payment approval limit amount for each payment attribute of the payment card 105 is confirmed (905), the card company server 140 is based on the confirmed payment approval limit amount of the payment approval request text (or payment approval request information) In step 910, the payment approval for each payment attribute of the payment amount included in) is processed.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 is linked with the payment history D / B for a certain period of time. While confirming the cumulative payment approval amount approved through the payment card 105, adding the confirmed cumulative payment approval amount and the payment amount included in the payment information, and adding the sum and the confirmed payment approval. It is preferable to check the payment authorization or payment error for the payment amount by comparing the limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may set the payment approval limit amount. (For example, the balance of the linked account) and the payment amount included in the payment information, it is preferable to confirm the payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, prepaid card payment attribute), the card company server 140 may charge the payment approval limit amount (eg, charge). Amount) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 140 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (915), the card company server 140 generates the payment approval result information (or payment approval result full text) including payment error information to the bansa server. In operation 920, the bansa server 135 transmits the entire payment approval result including the payment error information to the payment terminal 110 through a communication channel connected to the payment terminal 110. Transmit and output (925).

On the other hand, if the payment approval for each payment attribute is confirmed as the payment approval process (915), the card company server 140 generates a payment processing history including the payment approval result (930).

Here, the payment processing details preferably include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment.

Thereafter, the card company server 140 generates payment approval result information (or full payment approval result) including the payment processing details and transmits the generated payment approval result information to the bansa server 135 (935). 135 transmits and outputs the entire payment approval result including the payment processing details to the payment terminal 110 through a communication channel connected with the payment terminal 110 (925).

In addition, the card company server 140 generates payment information including at least one or more card information included in the generated payment processing history, payment approval date, payment approval amount, merchant information and payment approval information (940). In operation 945, the payment history information is stored in the payment history D / B.

FIG. 10 is a diagram illustrating a card payment system configuration in which a card company handles preferential bank transfer payment for an affiliated merchant according to another exemplary embodiment of the present invention.

In more detail, FIG. 10 shows a customer connected to an affiliated store server 115 (eg, all web servers requiring payment, such as an internet shopping mall) corresponding to an online affiliated store through the client terminal 130, as shown in FIG. When the card payment processing through the payment card 105 issued through the issued card issuing system, as a card payment system for processing the preferred account transfer payment to the affiliated merchant in the card company, the general knowledge in the technical field to which the present invention belongs If the person having the present invention can be inferred from various methods of constructing a card payment system for processing preferential bank transfer payment to the affiliated merchant by referring to and / or modifying the present invention, the present invention is inferred by all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, although FIG. 10 illustrates the technical features of the present invention in detail through an implementation method in which payment control D / B and transfer payment management D / B on the card issuing system shown in FIG. However, the present invention is not limited thereto, and it will be apparent that the payment control D / B or the transfer payment management D / B may be provided in the financial company server 100 according to the intention of the person skilled in the art.

Referring to FIG. 10, a card payment system for processing preferential bank transfer payment for the affiliated merchant includes a client terminal 130 used by a customer, an affiliated store server 115 corresponding to an online affiliated store, and the online affiliated store. A payment request server 120 (eg, a payment agency server or a payment server associated with the merchant server 115) that provides a payment service and requests payment processing to a bansa (or card company), and is shown in FIG. The card company server 140 and the payment request server 120 to the client terminal 130 and the card company which issue the payment card 105 through the issued card issuing system and process payment approval through the payment card 105. And a bansa server 135 provided in a value added network (VAN) for relaying the server 140.

In FIG. 10, the card company server 140 is illustrated as one server for convenience. This is merely an exemplary method for efficiently describing the technical features of the card company server 140 in the present invention. According to the payment system implementation method, it will be apparent that the card company server 140 may be implemented in the form of a system consisting of a plurality of servers for each function component.

In addition, in FIG. 10, the bansa server 135 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 135 in the present invention. According to the card payment system implementation method, it is apparent that the bansa server 135 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The client terminal 130 is connected to the affiliated store server 115 through a communication network, and a wired terminal provided with a browser program for determining purchase of various products (or services) provided by the affiliated store server 115, or Characterized in that it comprises a wireless terminal.

The affiliated store server 115 accepts a connection of a client terminal 130 used by a customer on a communication network, and provides the client terminal 130 with at least one item of sale (or service) to be sold, thereby providing the client terminal 130. ) A web server (for example, an internet shopping server, a content providing server, etc.) for processing to purchase any one of the products (or services) to be sold.

The payment request server 120 is a payment agency server for the payment processing for at least one or more merchant server 115, or a payment server associated with each merchant server 115 (for example, a large Internet shopping mall, etc.) Characterized in that it comprises at least one or more.

According to the exemplary embodiment of the present invention, when the client terminal 130 accesses the affiliated server server 115 and decides to purchase at least one product (or service), the client terminal 130 selects a payment means to the client terminal 130. Providing a payment means interface, and when the card payment means is selected by the client terminal 130 through the payment means interface, the client terminal 130 transmits the product to be purchased to the payment interface corresponding to the selected card payment means; (Or service) payment information (e.g., payment amount, installment months, etc.) and merchant information is preferably provided to include.

Here, the payment interface preferably comprises at least one or more secure click interface, or a secure payment interface.

Those skilled in the art to which the present invention pertains include a user interface characteristic for the assured click interface or a secure payment interface, an information configuration characteristic input through the user interface, and a transaction for transmitting and receiving the input information. Since you will be familiar with the characteristics, such a detailed description will be omitted for convenience.

The client terminal 130 provided with the payment interface from the payment request server 120 may use card information corresponding to the payment card 105 and online payment authentication information (eg, a user interface included in the payment interface). Enter the secure click password and the CVC code, or an authorized certificate), or online payment authentication information (eg, a secure payment password) corresponding to the card payment means.

According to an exemplary embodiment of the present invention, information input through the payment interface (for example, card information and online payment authentication information, or online payment authentication information corresponding to a card payment means), payment information, and merchant information are included in the client. The terminal 130 is preferably transmitted to the bansa server 135 through the payment request server 120.

According to another exemplary embodiment of the present invention, information input through the payment interface (for example, card information and online payment authentication information, or online payment authentication information corresponding to a card payment means), payment information, and merchant information are The client terminal 130 is preferably transmitted directly to the bansa (or card company server 140).

The bansa server 135 connects a communication channel with the payment request server 120 (or the client terminal 130) through a communication network, and includes at least one x.25 based communication network and an encryption / decryption based communication network. By connecting a communication channel with the card company server 140 through a dedicated communication network it is characterized in that the connection between the payment request server 120 (or client terminal 130) and the card company server 140.

Hereinafter, for convenience, the technical features of the card payment system in which the bansa server 135 processes the preferential bank transfer payment for the affiliated merchants in consideration of the communication channel connected to the payment request server 120 will be described in detail. However, those skilled in the art to which the present invention belongs, will be familiar with the transaction procedure in accordance with the secure click or secure payment, the communication channel is carried out after the time of the present application according to the transaction procedure Characterized in that it comprises a communication channel connection configuration.

According to the method of the present invention, the bansa server 135 receives the payment approval request text encrypted with the bansa encryption key from the payment request server 120, and decrypts the payment approval request text with the decryption key of bansa The card information included in the decoded payment approval request text is read to confirm a card company server 140 to which the payment approval request text is transmitted by reading a BIN (Bank Identification Number), and the payment approval request text (or the payment approval). It is preferable to encrypt the card information included in the request and payment approval request information including payment information and merchant information) with an encryption key that can be decrypted by the confirmed card company server 140 and then transmitted to the card company server 140. Do.

The card company server 140 issues the payment card 105 through the card issuing system shown in FIG. 2 and based on the card information included in the payment approval request message received from the bansa server 135. Confirming a payment approval limit amount (for example, a credit limit or a balance of a linked account) for the payment card 105, and approving a payment for the payment amount included in the payment information through the payment approval limit amount; It is characterized by.

According to the embodiment of the present invention, the card company server 140 is a payment approval request full text (or card information included in the payment approval request full text) encrypted with the encryption key of the card company server 140 from the bansa server 135 Payment approval request information including information and affiliated store information) is preferably received and decrypted to check card information, payment information, and merchant information included in the full payment approval request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 140 is authorized for payment for a payment approval limit amount (for example, the credit limit amount) for the payment card 105 and for a predetermined period of time. By confirming the cumulative payment approval amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount, the payment approval limit amount is If it is larger than the summed amount, it is preferable to approve the payment.

According to another embodiment of the present invention, when the card information is a check card, the card company server 140 checks the payment approval limit amount (for example, the balance of the linked account) for the payment card 105, By comparing the payment authorization limit amount and the payment amount included in the payment information, when the payment approval limit amount is larger than the payment amount, it is preferable to approve the payment.

Those skilled in the art to which the present invention pertains, since the technical features of the bansa server 135 and the card company server 140 operating as described above will be familiar with the technical features, more detailed description thereof Omit for convenience.

Referring to FIG. 10, the bansa server 135 may include an interface unit 1000 for connecting and managing a communication channel with a payment request server 120 provided at the affiliated store through a communication network, and the interface unit 1000. The professional receiving unit 1005 for receiving the full payment approval request message through the communication channel and the card information included in the received full payment approval request message, and relays the full payment approval request message (or payment approval request information). An information confirmation unit 1015 for confirming the card company server 140 to be transmitted, an information transmission unit 1020 for transmitting the full payment approval request message (or payment approval request information) to the confirmed card company server 140, and An information receiving unit 1025 for receiving payment approval result information (or payment approval result full text) including payment processing details corresponding to the full payment approval request message from the card company server 140, and the interface unit 1000. It characterized in that it comprises a specialized transmission unit 1010 for transmitting the full payment approval result including the payment processing history to the payment request server 120 through a communication channel.

The interface unit 1000 connects the communication channel for transmission and reception of the payment-related professional with the payment request server 120 through a communication protocol corresponding to the communication network connecting the bansa server 135 and the payment request server 120. And maintaining and managing the communication channel until the specialized transmission and reception is completed.

When the payment request server 120 connected to the communication channel generates a payment approval request message including the card information, payment information, and the affiliated store information according to an online payment method, and transmits it through a communication network, the specialized receiver 1005 The payment approval request message is received from the payment request server 120 in association with the interface unit 1000.

If the payment approval request text is encrypted and transmitted from the payment request server 120 through the bansa encryption key, the text receiving unit 1005 preferably decrypts the encrypted payment approval request text.

When the payment approval request message is received, the information checking unit 1015 reads a BIN from the card information included in the payment approval request message, and the card company server to which the payment approval request message (or payment approval request information) is relayed and transmitted. It is characterized by checking the 140.

When the card company server 140 to which the payment approval request message (or payment approval request information) is relayed and transmitted is confirmed by the information checking unit 1015, the information transmitting unit 1020 is connected with the bansa server 135. It is characterized in that for transmitting the payment approval request full text (or payment approval request information) to the card company server 140 through a communication channel connected between the card company server 140.

Thereafter, the card company server 140 performs a payment approval procedure corresponding to the full payment approval request message (or payment approval request information), and responds to the full payment approval request message (or payment approval request information) through the communication channel. The payment approval result information (or payment approval result full text) including the payment processing history is transmitted. The information receiving unit 1025 transmits the payment approval result information (or payment) from the card company server 140 through the communication channel. Receive full approval result).

According to an embodiment of the present invention, if the payment corresponding to the payment approval request full text (or payment approval request information) is approved by the card company server 140, the payment approval result information (or payment approval result full text) is included. The payment processing details may include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 for which payment has been approved.

According to another embodiment of the present invention, when the payment corresponding to the payment approval request full text (or payment approval request information) is not approved in the card company server 140, the payment approval result information (or payment approval result full text) The payment processing history included in the payment card 105 preferably comprises at least one card information and payment error information.

When the payment approval result information (or payment approval result full text) is received from the card company server 140, the specialized transmission unit 1010 links the payment processing details through the communication channel in association with the interface unit 1000. Characterized in that it transmits the payment approval result full text to the payment request server 120, wherein the interface unit 1000 verifies that the payment approval result full text is transmitted to the payment request server 120. It is desirable to carry out a further process.

According to the present invention, the card company server 140 corresponds to the customer information issued with the payment card 105 and the payment card 105 issued to the customer through the card issuing system shown in FIG. Or a card management D / B for linking and storing card information, card attribute information and card limit information, or interworking with a DBMS operating the card management D / B, or having the card management D / B. It is preferable to link with a DB server (not shown).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number) of the customer who issued the payment card 105 through the card issuing system shown in Figure 2, E-mail address, etc.) and at least one member information (eg, member ID information) of the customer.

Preferably, the card information includes a card number corresponding to the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and additionally, the card issuing institution information (eg, card issuance). Organization number (or code)) and card type information (for example, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 105 is preferably made.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and the payment card ( It is preferable that the loyalty attribute including a mileage accrual policy for 105 and at least one or more additional service attributes associated with the payment card 105 are included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information about the payment card 105. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may be different from the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

According to the present invention, the card company server 140, when the payment is approved through the payment card 105 through the card issuing system shown in FIG. It is preferable to provide, or to interlock with a DBMS operating the payment history D / B, or to work with a DB server (not shown) provided with the transaction history card management D / B.

Here, the payment history information, card information for the payment card 105 approved for payment, payment approval date, payment approval amount, merchant information and payment approval information preferably comprises at least one or more.

The card information is information that matches card information provided in the card management D / B, and preferably includes a card number, and the card management D / B and the payment history D / B through the card information. Is preferably linked in relational form.

The payment approval date and time, it is preferable that the card company server 140 includes the date and time of the payment approval processing of the payment amount through the payment card 105.

The payment approval amount is preferably made of the payment information through the payment card 105 in the card company server 140, the settlement information is processed, the settlement processing of the approved payment amount in accordance with the intention of those skilled in the art It is preferable to further include the settlement amount information.

The affiliated store information is information for identifying an affiliated store that has requested payment approval for the payment amount through the payment card 105, and the affiliated store information includes affiliated store information (or affiliated store code) included in the full payment approval request message, and It is preferable that the payment is made to include the account information of the merchant to settle the settlement of the payment amount.

The payment approval information may include a payment approval number assigned by the card company server 140 when the payment is approved through the payment card 105.

Referring to FIG. 10, the card company server 140 may be connected to the communication unit 1030 for connecting and managing a communication channel with the bansa server 135 through a communication network (for example, a dedicated communication network) and the communication unit 1030. The receiving unit (or information receiving means) for receiving the payment approval request text (or payment approval request information) from the bansa server 135, and the payment approval request text (or payment approval request information) included in the received information. Check the card information, and compare the BIN information included in the card information with BIN information for each payment attribute provided in the payment control D / B, and the card information is issued through the card issuing system shown in FIG. A card information confirming unit (or card information confirming means) for confirming matching with the card 105, and a payment cart issued by the card information confirming unit through the card issuing system shown in FIG. When matched with the card 105, check the merchant information contained in the full payment approval request (or payment approval request information), and compares the merchant information and the affiliated merchant information stored in the payment control D / B to the merchant It is characterized in that it comprises a merchant verification unit (or merchant verification means) for confirming whether the affiliated merchants affiliated to process the real-time account transfer payment through the financial company prior to the payment attribute corresponding to the payment card 105.

The communication unit 1030 connects a communication channel for transmitting / receiving the full-text (or information) related to payment with the bansa server 135 through a communication protocol corresponding to the communication network connecting the card company server 140 and the bansa server 135. Characterized in that.

When the bansa server 135 transmits the full payment approval request message (or payment approval request information) through the communication channel, the receiving unit links at least one card information, payment information, and merchant information in association with the communication unit 1030. Characterized in that it receives the payment approval request text (or payment approval request information) including the above.

If the payment approval request message (or payment approval request information) is transmitted from the bansa server 135 by using the encryption key of the card company server 140, the receiving unit transmits the encrypted payment approval request message (or Payment approval request information).

When the full payment approval request message (or payment approval request information) is received, the card information verification unit checks the card information included in the full payment approval request message (or payment approval request information), and through the confirmed card information By querying the card information stored in the card management D / B, it is characterized in that whether the card corresponding to the card information matches the payment card 105 issued through the card issuing system shown in FIG.

In addition, the card information verification unit is a card that the payment card 105 is reported missing in the process of verifying the card information, or a card that satisfies the unusable condition (for example, bad credit, overdue, etc.), or the expiration date has passed. It is preferable that the process further comprises the step of checking whether the card.

When the validity of the card information included in the full payment approval request (or payment approval request information) is confirmed by the card information checking unit, the card information checking unit checks the BIN information included in the card information, and then the card. Checking the card attribute information associated with the card information in connection with the management D / B, and by confirming the payment attribute information of the payment card 105 included in the card attribute information, the payment attribute contained in the card information Characterized by checking the BIN information.

When the BIN information for each payment attribute included in the card information is confirmed, the card information checking unit compares the checked BIN information for each payment attribute with the BIN information for each payment attribute provided in the payment control D / B to determine the card information. It is characterized in that the matching with the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2, the affiliated store identification unit includes the full payment approval request message (or payment approval request information). Check merchant information (eg, merchant number) included in the information, and compare the merchant information stored in the payment control D / B with affiliated merchant information and give priority to the payment attribute corresponding to the payment card 105; Characterized by checking whether the affiliated affiliated stores to handle real-time account transfer payments through a financial company.

Referring to FIG. 10, when the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2 and the affiliated store information matches the affiliated affiliated store information, the card company server 140 The account information confirming unit (or account information checking means) for checking the account information payment target account corresponding to the card information, and confirms the affiliated merchant account information corresponding to the affiliated merchant information, the account through the communication network Transfer payment request unit (or bank transfer payment request) for requesting the real-time account transfer payment by transmitting the account information, payment amount information, and affiliated merchant account information to the financial institution server 100 corresponding to the account information to which payment is made Means, and a transfer result receiving unit (or receiving the transfer result information from the financial institution server 100 through the communication network) Characterized in that it comprises a left transfer result receiving means, when receiving the account transfer result information, generating unit (or information generation) for generating payment approval result information (or full payment approval result) including the account transfer result Means; and a transmission unit 1040 (or information transmission) for transmitting the generated payment approval result information (or full payment approval result) to the bansa server 135 through the communication channel in association with the communication unit 1030. Means).

The card information confirming unit 1045 confirms that the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2, and the affiliated store confirms by the affiliated store confirming unit 1050. If the information is found to match the affiliated merchant information, the account information verification unit 1055 checks the account information payment target account information corresponding to the card information in connection with the transfer result management D / B, and the payment The affiliated merchant account information corresponding to the affiliated affiliate store information may be confirmed in association with the control D / B (or the card management D / B).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The account information verification unit 1055 for checking account information may be provided in the financial company server 100.

Or, if the payment control D / B is also provided in the financial institution server 100, the account information verification unit 1055 for confirming the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B ) May be provided in the financial company server (100).

Thereafter, the transfer settlement request unit 1080 is confirmed through the account information confirmation unit 1055 and the payment information information and payment amount information and the account information confirmation unit 1055 confirmed through the account information confirmation unit 1055 through a communication network. The affiliated merchant account information may be transmitted to the financial institution server 100 corresponding to the account information for the target account transfer payment to request real time account transfer payment.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, the transfer result request unit 1080 and 2080 replaces the account information for the account transfer payment target. The card information may be transmitted to the financial institution server 100 in this case. In this case, the financial institution server 100 may transfer the account information corresponding to the card information in connection with the transfer result management D / B. It is desirable to confirm.

Alternatively, when the payment control D / B is also provided in the financial company server 100, the transfer result request unit 1080 transmits the affiliated merchant information to the financial company server 100 instead of the affiliated merchant account information. In this case, in this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B.

The bank transfer server receiving the account information, the payment amount information and the affiliate merchant account information for the account transfer payment, withdraws the payment amount information from the account for payment settlement account, and transfers the payment amount information to the affiliated merchant account in real time. After performing the transfer, the transfer result information is transmitted from the financial institution server 100, and the transfer result receiving unit 1085 receives the transfer result information from the financial institution server 100 through a communication network. .

Thereafter, the generation unit 1070 generates payment approval result information (or full payment approval result) including the transfer result, and the transmission unit 1040 is connected to the communication unit 1030 to establish the communication channel. The payment approval result information (or payment approval result full text) generated through the bansa server 135 is characterized in that for transmitting.

Referring to FIG. 10, if the card information does not match the payment card 105 issued through the card issuing system shown in FIG. 2 or if the merchant information does not match the affiliated merchant information, the card company server. If the card information is matched with each other, the payment approval limit amount corresponding to the card information is checked, and the payment approval request amount (or payment approval request information) included in the payment approval limit amount is confirmed. A payment approval processing unit 1060 (or payment approval processing means) for approving the payment for the payment amount, a history generation unit 1065 (or details generation means) for generating a payment processing history including the payment approval result; A generation unit 1070 (or information generating means) for generating payment approval result information (or full payment approval result) including the payment processing details, and the communication unit 1030 And a transmission unit 1040 (or information transmission means) for transmitting the generated payment approval result information (or full payment approval result) to the bansa server 135 through a communication channel. When the payment is approved by the payment approval processing unit 1060, an information storage unit 1075 (or information storage means) for storing the payment history information included in the payment processing history in the payment history D / B is made further It is characterized by.

The card information confirming unit does not confirm that the card information matches the payment card 105 issued through the card issuing system shown in FIG. 2 or the affiliated store information by the affiliated store checking unit 1050. If it is not confirmed that the match with the affiliated merchant information, the payment approval processing unit 1060 checks the payment approval limit amount corresponding to the card limit information provided in connection with the card information in the card management D / B and On the basis of the confirmed payment approval limit amount, characterized in that the payment processing for the payment amount included in the full payment approval request (or payment approval request information) characterized in that the approval process.

According to the implementation method of the present invention, the payment approval processing unit 1060 first checks the payment approval amount, the payment attribute corresponding to the card information in association with the card management D / B (e.g., deferred payment, debit) Mold, prepaid, etc.) is preferable.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (eg, credit card payment attribute), the payment approval processing unit 1060 may include a credit limit amount included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 1060 charges the information included in the card limit information. It is preferable to check the amount information as the payment authorization limit amount for the payment card 105.

When the payment approval limit amount for the payment card 105 is confirmed, the payment approval processing unit is configured for the payment amount included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. It is characterized by checking whether the payment approval or payment error for each payment property.

According to one embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 1060 may schedule a schedule in connection with the payment history D / B. Check the cumulative payment approval amount approved through the payment card 105 for a period, add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment It is preferable to confirm the approval or payment error of the payment amount by comparing the approval limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the payment approval processing unit 1060 may preferably process the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit may include the payment approval limit amount (for example, , The balance of the linked account) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the payment approval processing unit preferably approves the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 1060 may set the payment approval limit amount (eg, It is preferable to check the payment authorization or payment error for the payment amount by comparing the payment amount) and the payment amount included in the payment information.

For example, when the payment approval limit amount (for example, the charge amount) is greater than the payment amount, the payment approval processing unit 1060 preferably processes the payment.

When the payment approval process for the payment amount is completed by the payment approval processing unit 1060, the details generating unit 1065 includes a payment processing result including the payment approval result approved by the payment approval processing unit 1060. Characterized by generating a history.

When the payment is approved according to an embodiment of the present invention, the payment processing details include the card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, when the payment is not approved, the payment processing details may include at least one card information and payment error information for the payment card 105.

When the payment processing details are generated, the generation unit 1070 generates payment approval result information (or full payment approval result) including the payment processing details, and the transmission unit 1040 is the communication unit. In operation 1030, the payment approval result information (or payment approval result full text) generated through the communication channel may be transmitted to the bansa server 135.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 1060, the information storage unit 1075 and the card information included in the payment processing history generated by the history generation unit 1065 The payment history information including payment approval date, payment approval amount, merchant information and payment approval information is stored in the payment history D / B.

Referring to FIG. 10, the financial company server 100 receives a transfer information receiving unit 1085 that receives the account transfer payment target account information, payment amount information, and affiliated merchant account information from the card company server 140 through the communication network. (Or a bank transfer information receiving means) and a financial system in which an account corresponding to the account transfer payment target account information is opened, withdraw the payment amount from the bank transfer payment target account, and calculate the withdrawn payment amount. A transfer payment processing unit (or a bank transfer payment processing unit) for transferring payment processing to an affiliated merchant account, a transfer result generating unit (or account transfer result generating unit) for generating account transfer result information corresponding to the bank transfer payment; The transfer result transmission unit (or the account is transmitted to the card company server 140 via the communication network to the generated account transfer result information generated; Transfer result means), and when the transfer payment is successfully performed by the transfer settlement processing unit 1095, the account transfer fee for the account transfer payment target account information, the account transfer payment amount information, and the account transfer payment amount; And a storage unit (or storage means) for storing the information in association with the affiliated merchant account information and storing in the account transfer management D / B.

When the card company server 140 transmits the account transfer payment target account information and payment amount information and the affiliated merchant account information to the financial company server 100 corresponding to the account transfer payment target account information through a communication network, the transfer is performed. The information receiving unit 1090 may receive the account transfer payment target account information, payment amount information, and affiliated merchant account information from the card company server 140 through the communication network.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, and the card information is received instead of the account information subject to the transfer payment, the financial institution server 100 ) Is preferably linked to the transfer result management D / B to check the account information for the account transfer payment corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received instead of the affiliated merchant account information, the financial company server 100 is associated with the payment control D / B It is preferable to check the affiliated merchant account information corresponding to the affiliated merchant information.

When the bank transfer payment target account information, payment amount information and affiliated merchant account information is received, the transfer payment processing unit is a financial system (eg, the bank transfer payment target account) in which an account corresponding to the account transfer payment target account information is opened. The payment amount from the account transfer payment target account in conjunction with the system (operated by the ledger corresponding to the).

Then, the transfer payment processing unit 1095 is characterized in that the settlement amount by subtracting the account transfer fee from the withdrawal amount transfers to the affiliated merchant account for payment processing.

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Thereafter, the transfer result generation unit 1096 may generate account transfer result information corresponding to the account transfer payment.

When the bank transfer payment is successfully performed according to an exemplary embodiment of the present invention, the bank transfer result information may include bank transfer history information (eg, bank transfer payment target account information, bank transfer payment amount information, and bank transfer payment amount). Account transfer fee information, account transfer date and time, affiliated merchant account information, etc.).

According to another exemplary embodiment of the present invention, when the bank transfer payment fails (for example, insufficient balance of the account for which the bank account is settled), the account transfer result information may include account transfer error information.

When the account transfer result information is generated by the transfer result generation unit 1096, the transfer result transmission unit transmits the generated account transfer result information to the card company server 140 through the communication network.

According to another exemplary embodiment of the present invention, when the card information and the bansa server 135 are further received from the card company server 140, the transfer result transmitting unit 1097 transfers the transfer result information to the bansa server. It is possible to directly transmit to the payment request server 120 and the client terminal 130, whereby the present invention is not limited.

When the bank transfer payment is successfully performed by the transfer payment processing unit 1095, the storage unit 1098 transfers the bank transfer fee for the account transfer payment target account information, the account transfer payment amount information, and the bank transfer payment amount. The information is linked to the affiliated merchant account information, characterized in that stored in the account transfer management D / B.

11 is a diagram illustrating a payment approval request process for preferential bank transfer payment to an affiliated merchant according to another exemplary embodiment of the present invention.

In more detail, FIG. 11 illustrates a client terminal 130 and an affiliate server 115 on the card payment system shown in FIG. 10 based on a payment card 105 issued through the card issuing system shown in FIG. When the payment request server 120 transmits the full payment approval request to the bansa server 135 in connection with each other according to an online payment method (for example, assured click or safe payment), the bansa server 135 requests the payment approval request. This is a process of relaying the full text (or payment approval request information) to the card company server 140 that issued the payment card 105, and a person having ordinary knowledge in the technical field to which the present invention belongs, 11 and / or modified to infer various implementation methods for the payment approval request process for preferential bank transfer payment to the affiliated merchant, but the present invention is inferred Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 11.

Hereinafter, the drawing 11 will be described for the convenience of generating the full payment approval request in the payment request server 120 to transmit to the bansa server 135, but the present invention is not limited by this, online payment method According to the transaction procedure of the transaction of the payment approval request full text (for example, a transaction process when the card reader is provided in the client terminal 130, etc.) may be applied in various modifications, the present invention is modified It is clear that it is characterized by including a variety of implementation methods.

In addition, the process of authenticating the online payment authentication information (or a part of the online payment authentication information) by the payment request server 120 according to the online payment method in FIG. 11 will be omitted for convenience.

Referring to FIG. 11, the client terminal 130 on the offline card payment system illustrated in FIG. 10 connects to the affiliated store server 115 through a communication network and selects at least one or more purchase target product (or service). A card payment is requested for the selected purchase target product (or service) (1100), and in response, the payment request server 120 transmits payment information for the purchase target product (or service) and the affiliated store server 115 ( Alternatively, in operation 1105, a payment interface (eg, a reliable click interface or a secure payment interface) including merchant information corresponding to the payment request server 120 is provided to the client terminal 130.

Thereafter, the client terminal 130 corresponds to card information (not shown) corresponding to the payment card 105 issued through the card issuing system shown in FIG. 2 through the payment interface, and corresponds to the payment interface. Online payment verification information (e.g., assured click password and CVC code, or authorized certificate) according to the online payment method (e.g., assured click, safe payment, etc.) or card payment means The corresponding payment authentication information (eg, secure payment password) is input (1110), and the input card information (optional) and online payment authentication information are transmitted to the payment request server 120 (1115).

According to another exemplary embodiment of the present invention, the client terminal 130 may further include the payment information and the affiliated store information and transmit the payment information to the payment request server 120, whereby the present invention is not limited thereto.

Thereafter, the payment request server 120 generates a full payment approval request message including the card information, online payment authentication information, payment information, and merchant information to communicate with the payment request server 120 and the bansa server 135. Transmit to the bansa server 135 through (1120), and in response to the bansa server 135 receives the full text of the payment approval request transmitted from the payment request server 120 through the communication channel (1125) ).

According to an embodiment of the present invention, when the payment approval request is encrypted and transmitted from the payment request server 120 through the bansa encryption key, the bansa server 135 transmits the encrypted payment approval request message. It is preferable to decrypt.

Then, the bansa server 135 checks the card information included in the full payment approval request (1130).

According to the embodiment of the present invention, the bansa server 135 may further check the payment information and the merchant information included in the full payment approval request, and thus the present invention is not limited thereto.

Thereafter, the bansa server 135 reads the checked card information and checks the card company server 140 to relay the full payment approval request message (1135).

According to an embodiment of the present invention, the bansa server 135 reads the BIN of the card information included in the payment approval request text, and confirms the card company server 140 to which the payment approval request text is relayed. .

If the card company server 140 to relay the payment approval request message is confirmed (1140), the bansa server 135 is the payment approval request message (or the payment approval request message) to the confirmed card company server 140 Payment approval request information including card information, payment information, and merchant information included in the relay transmission is performed (1145).

12 is a diagram illustrating a payment method selection process for the payment card 105 according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates that when the payment approval request message (or payment approval request information) is received by the card company server 140 through the payment approval request process shown in FIG. 11, the payment is performed by the card company server 140. The card information included in the full text of the approval request (or payment approval request information) is matched with the payment card 105 issued through the card issuing system shown in FIG. 2, and the card information included in the full text of the payment approval request (or payment approval request information) After checking whether the affiliate information included is an affiliated merchant affiliated to process real-time account transfer payments through a financial company in preference to the payment attribute corresponding to the payment card 105, the card information is the card issuing system shown in FIG. Matched with the payment card 105 issued through, and when the affiliated store information matches the affiliated merchant information, the full payment approval request (or payment approval request information) B) to process the payment corresponding to the priority through the real-time account transfer payment through a financial company rather than the payment attribute of the payment card 105, if one of ordinary skill in the art However, various implementation methods for the payment method selection process for the payment card 105 may be inferred by referring to and / or modifying the drawing 12, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

In addition, the process of authenticating the online payment authentication information (or a part of the online payment authentication information) by the card company server 140 according to the online payment method in FIG. 12 will be omitted for convenience.

Referring to FIG. 12, the full payment approval request (or payment approval request information) is received at the card company server 140 through the payment approval request process illustrated in FIG. 11 (1200).

According to the embodiment of the present invention, when the payment approval request full text (or payment approval request information) is encrypted and transmitted from the bansa server 135 through the encryption key of the card company server 140, the card company server 140 It is preferable to decrypt the encrypted payment approval request full text (or payment approval request information).

Then, the card company server 140 checks the card information, payment information and merchant information included in the full payment approval request (or payment approval request information) (1205), the card management D through the confirmed card information The card information stored in / B is queried to check whether the card corresponding to the card information matches the payment card 105 issued through the card issuing system shown in FIG.

According to the exemplary embodiment of the present invention, the card company server 140 is a card that the payment card 105 is reported missing in the process of checking the card information, or satisfies an unusable condition (for example, bad credit, delinquency, etc.). It is preferable that the card further comprises the step of checking whether or not the card has expired.

If the card information does not match the payment card 105 issued through the card issuance system shown in FIG. 2 as a result of the check (1215), the card company server 140 includes payment information including payment error information. After generating approval result information (or full payment approval result) and transmitting to the bansa server 135 (1220), the bansa server 135 in response to the payment through the communication channel connected to the payment request server 120 The payment approval result message including the error information is transmitted to the payment request server 120 (1225), and in response thereto, the payment request server 120 transmits the payment approval result message to the merchant server 115 and the client terminal. The processor 130 transmits the data to the processor 130 at operation 1230.

On the other hand, if the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2 as a result of the check (1215), the card company server 140 is the card company server 140 is the A payment card 105 in which the card information is issued through the card issuing system shown in FIG. 2 by comparing BIN information corresponding to the payment attribute of the card information with BIN information for each payment attribute provided in the payment control D / B. It checks whether the match with (1235).

According to the embodiment of the present invention, the card company server 140 checks the BIN information included in the card information, checks the card attribute information associated with the card information in association with the card management D / B, and By checking the payment attribute information of the payment card 105 included in the card attribute information, it is preferable to check the BIN information for each payment attribute included in the card information.

When the BIN information for each payment attribute included in the card information is confirmed, the card company server 140 compares the checked BIN information for each payment attribute with BIN information for each payment attribute provided in the payment control D / B. It is preferable to check whether the information matches the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2 (1240), the card company server 140 may complete the payment approval request message ( Or check merchant information (eg, merchant number) included in payment approval request information), and compare the merchant information with affiliated merchant information stored in the payment control D / B and the merchant corresponds to the payment card 105. In operation 1245, it is determined whether the affiliated affiliate store is affiliated to handle real-time account transfer payment through a financial company, rather than the payment attribute.

If the card information is matched with the payment card 105 issued through the card issuing system shown in Figure 2, and the merchant information is confirmed as the affiliated merchant information (1250), the card company server 140 is the Check the account information corresponding to the account transfer corresponding to the card information in connection with the transfer result management D / B, and cooperate with the affiliated merchant information in connection with the payment control D / B (or card management D / B). Check the merchant account information (1255).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The function of checking account information may be provided in the financial institution server 100.

Or, if the payment control D / B is also provided in the financial company server 100, the function to check the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B is the financial company server (100) It is possible to be provided in).

If the account transfer payment target account information corresponding to the card information and the affiliated merchant account information corresponding to the affiliated merchant information is confirmed (1260), the card company server 140 is confirmed through the account information verification unit through the communication network; The bank transfer payment target account information, payment amount information and the affiliated merchant account information confirmed through the account information checking unit are transmitted to the financial company server 100 corresponding to the bank transfer payment target account information to request real-time transfer payment ( 1265).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial company server 100, the card company server 140 may substitute the card information instead of the account information subject to payment transfer. It may be transmitted to the financial company server 100, and in this case, it is preferable that the financial company server 100 confirms the account information corresponding to the payment information corresponding to the card information in connection with the transfer result management D / B. .

Alternatively, when the payment control D / B is also provided in the financial company server 100, the card company server 140 may transmit the affiliated merchant information to the financial company server 100 instead of the affiliated merchant account information. In this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B.

13 is a diagram illustrating a process of processing a wire transfer payment prior to a payment attribute of a payment account according to another embodiment of the present invention.

In more detail, FIG. 13 shows that if a payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to a payment attribute of a corresponding payment account through the payment method selection process shown in FIG. Regarding the process of processing the wire transfer payment in the financial company server 100, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 13 than the payment attribute of the payment account First of all, various implementation methods for the process of processing a wire transfer payment may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features thereof are limited only by the implementation method shown in FIG. Not.

Referring to FIG. 13, when the payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to the payment attribute of the corresponding payment account through the payment method selection process shown in FIG. 12, the financial institution The server 100 transfers payment account information corresponding to the card information of the payment card 105, payment amount information, and affiliated merchants in order to process the account transfer payment in preference to the payment attribute of the payment account through the communication network. Receive the account information (1300).

According to another embodiment of the present invention, if the transfer result management D / B is provided (or linked) to the financial company server 100, and the card information is received instead of the account information for the account transfer payment, the financial company server ( 100 is preferably linked to the transfer result management D / B to check the account information payment target account corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received in place of the affiliated merchant account information, the financial company server 100 in conjunction with the payment control D / B It is preferable to confirm the affiliated merchant account information corresponding to the affiliated merchant information.

Thereafter, the financial institution server 100 connects to the financial system in which an account corresponding to the account transfer payment target account information is opened (for example, a system operated by a ledger corresponding to the account for payment transfer payment). The balance of the target account is checked (1305), and the balance of the confirmed account transfer payment target account is compared with the payment amount to determine whether to approve the payment settlement (1310).

If the bank transfer payment is not approved (1315), the financial institution server 100 generates account transfer result information including the bank transfer payment error information and transmits it to the card company server 140 (1320). The server 140 generates payment approval result information (or full payment approval result) including the transfer result information and transmits it to the bansa server 135 (1345), and the bansa server 135 transmits the communication channel. The payment approval result is transmitted through the payment request server 120 to the payment request server 120 (1350), and in response, the payment request server 120 to the merchant server 115 and the client terminal 130, the payment approval result Send the full text and output (1355).

On the other hand, if the bank transfer payment is approved (1315), the financial institution server 100 withdraws the amount corresponding to the payment amount from the bank transfer payment target account (1325), the withdrawn The settlement amount obtained by subtracting the account transfer fee from the amount is transferred to the affiliated merchant account to process a payment (1330).

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Subsequently, the financial institution server 100 associates the bank transfer payment target account information, the bank transfer payment amount information, the bank transfer fee information for the bank transfer payment amount, and the affiliated merchant account information to store in the bank transfer management D / B. (1335)

Thereafter, the financial company server 100 generates account transfer result information including the account transfer history and transmits it to the card company server 140 (1340), and the card company server 140 sends the account transfer result information. Generate payment approval result information (or full payment approval result) including and transmits to the bansa server 135 (1345), the bansa server 135 transmits the payment approval result full text through the communication channel to the payment request The payment request server 120 transmits the full text of the payment approval result to the affiliated store server 115 and the client terminal 130 in response thereto (1355).

14 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to another embodiment of the present invention.

In more detail, FIG. 14 illustrates that the payment method for the payment card 105 is selected as the payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process shown in FIG. 12. In accordance with the payment attribute of the payment card 105 in the process for the approval process for the requested payment through the full payment approval request (or payment approval request information), the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various implementation methods for the payment approval process according to the payment attribute of the payment account by referring to and / or modified in this figure 14, the present invention comprises all the implementation methods inferred The technical features are not limited only to the implementation method shown in FIG.

In addition, a process of authenticating the online payment authentication information (or a part of the online payment authentication information) by the card company server 140 according to the online payment method in FIG. 14 will be omitted for convenience.

Referring to FIG. 14, when the payment method for the payment card 105 is selected as a payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process illustrated in FIG. 12, the card company server 140 In step 1400, the card management D / B checks the payment approval limit amount for each payment attribute corresponding to the card limit information provided in connection with the card information.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 may provide credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may be assigned to the card limit information. It is preferable to check the linked account information included, and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment approval limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 140 charges the amount of money included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

If the payment approval limit amount for each payment attribute of the payment card 105 is confirmed (1405), the card company server 140 may transmit the payment approval request text (or payment approval request information) based on the confirmed payment approval limit amount. In step 1410, the payment approval for each payment attribute of the payment amount included in) is processed.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 is linked with the payment history D / B for a certain period of time. While confirming the cumulative payment approval amount approved through the payment card 105, adding the confirmed cumulative payment approval amount and the payment amount included in the payment information, and adding the sum and the confirmed payment approval. It is preferable to check the payment authorization or payment error for the payment amount by comparing the limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may set the payment approval limit amount. (For example, the balance of the linked account) and the payment amount included in the payment information, it is preferable to confirm the payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, prepaid card payment attribute), the card company server 140 may charge the payment approval limit amount (eg, charge). Amount) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 140 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (1415), the card company server 140 generates the payment approval result information (or full payment approval result) including payment error information to the bansa server. In operation 1420, the bansa server 135 transmits the full payment approval result including the payment error information through a communication channel connected to the payment request server 120. In operation 1430, the payment request server 120 transmits the full text of the payment approval result to the affiliated store server 115 and the client terminal 130 to be output (1430).

On the other hand, if the payment approval for each payment attribute is confirmed as a result of the payment approval process (1415), the card company server 140 generates a payment processing history including the payment approval result (1435).

Here, the payment processing details preferably include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment.

Thereafter, the card company server 140 generates payment approval result information (or full payment approval result) including the payment processing details and transmits the generated payment approval result information to the bansa server 135 (1440). 135 transmits the full payment approval result including the payment processing history to the payment request server 120 through a communication channel connected to the payment request server 120 (1425), and correspondingly, the payment request server 120 ) Transmits the full text of the payment approval result to the affiliated store server 115 and the client terminal 130 to be output (1430).

In addition, the card company server 140 generates payment information including at least one or more card information included in the generated payment processing history, payment approval date, payment approval amount, merchant information and payment approval information (1445). In operation 1450, the payment history information is stored in the payment history D / B.

15 is a diagram showing the configuration of a card payment system for processing a preferred account transfer payment for the affiliated affiliate in the relay server according to an embodiment of the present invention.

In more detail, Figure 15 shows the payment terminal 110 when the card payment processing at the payment terminal 110 provided in each affiliate store using the payment card 105 issued through the card issuing system shown in FIG. Included in the card information requested for payment from a relay server (e.g., a bansa server 135, or a payment agent server, or a server operated by a bansa (or payment agent)) that handles professional transmission and reception between the card company server 140 and the card company server 140. Read the BIN information, and confirm that the card corresponding to the card information is a payment card 105 issued through the card issuing system shown in FIG. 2, and wherein the offline affiliate or online affiliate is an affiliate affiliate (or membership affiliate). After confirming whether the payment request card information is matched with the payment card 105, the offline merchant, or online merchant is confirmed as an affiliated merchant (or membership affiliate) If the payment attribute corresponding to the payment card 105 is prioritized, the real-time account transfer payment is processed through a financial company, and the requested card information does not match the payment card 105 or the offline affiliated store. If the online merchant is not identified as an affiliated merchant (or a membership merchant), the card payment is processed through a card company according to a payment attribute (eg, postpaid, debit, or prepaid) corresponding to the payment card 105. As a card payment system to be made, if the person of ordinary skill in the art to which the present invention belongs, a card payment system configuration for processing preferred account transfer payment to the affiliated merchant by referring to and / or modified in this figure 15 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred. It becomes, only the exemplary method shown in the figure 15 is not limited its technical characteristics.

For example, FIG. 15 shows a relay server (eg, a bansa server 135, a payment agent server, or a bansa (or payment agent) that processes a professional transmission and reception between the payment terminal 110 and the card company server 140. Server) is a bansa server 135 to handle the professional transmission and reception between the payment terminal 110 and the card company server 140 for convenience, payment control D / B and transfer payment management on the card issuing system shown in Figure 2 Although the technical features of the present invention are described in detail through an implementation method in which a D / B interworks with the bansa server 135, the present invention is not limited thereto, and the payment control D / B or transfer payment management D / B is not limited thereto. It will be apparent that the financial institution server 100 can be provided according to the intention of the skilled person.

Referring to FIG. 15, a card payment system for processing preferential account transfer payment for the affiliated merchant includes a payment terminal 110 provided at an affiliated store and the payment card 105 through the card issuing system shown in FIG. 2. Is issued to the card company server 140 for processing the payment approval through the payment card 105 and a value added network (VAN) for relaying the payment terminal 110 and the card company server 140. It characterized in that it comprises a bansa server 135.

In FIG. 15, the card company server 140 is shown as one server for convenience, but this is only an exemplary method for efficiently explaining the technical features of the card company server 140 in the present invention, and the intention and card payment of those skilled in the art. According to the system implementation method, the card company server 140 will be apparent that it may be implemented in the form of a system consisting of a plurality of servers for each functional component.

In addition, in FIG. 15, the bansa server 135 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 135 in the present invention. According to the card payment system implementation method, it is apparent that the bansa server 135 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The payment terminal 110 is characterized in that it comprises at least one CAT (Credit Authorization Terminal) provided in the merchant, or at least one point of sales (POS) terminal provided with a payment function.

According to an embodiment of the present invention, the payment terminal 110 includes at least one card reader for card payment processing, reads card information from the payment card 105 through the card reader, and a key input device. After inputting payment information (eg, payment amount, installment months, etc.), a payment approval request message including the card information, payment information, and the affiliated store information is generated to the bansa server 135 through a communication network. Characterized in that the transmission.

The bansa server 135 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, the IEEE 802.16x-based portable Internet and the like through a public communication network including at least one terminal connected to the payment terminal 110 provided in the merchant, x.25 based communication network, encryption / It is characterized in that the connection between the payment terminal 110 and the card company server 140 by connecting a communication channel with the card company server 140 through a dedicated communication network including at least one decryption-based communication network.

According to the embodiment of the present invention, the bansa server 135 receives the payment approval request text encrypted with the bansa encryption key from the payment terminal 110, and decrypts the payment approval request text with the decryption key of bansa, The card information included in the decrypted payment approval request text is read to confirm a card company server 140 to which the payment approval request text is transmitted by reading a bank identification number (BIN), and the payment approval request text (or the payment approval request). It is preferable to encrypt the card information included in the preamble and payment approval request information including payment information and merchant information) with an encryption key that can be decrypted by the confirmed card company server 140 and then transmitted to the card company server 140. .

The card company server 140 issues the payment card 105 through the card issuing system shown in FIG. 2 and based on the card information included in the payment approval request message received from the bansa server 135. Confirming a payment approval limit amount (for example, a credit limit or a balance of a linked account) for the payment card 105, and approving a payment for the payment amount included in the payment information through the payment approval limit amount; It is characterized by.

According to the embodiment of the present invention, the card company server 140 is a payment approval request full text (or card information included in the payment approval request full text) encrypted with the encryption key of the card company server 140 from the bansa server 135 Payment approval request information including information and affiliated store information) is preferably received and decrypted to check card information, payment information, and merchant information included in the full payment approval request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 140 is authorized for payment for a payment approval limit amount (for example, the credit limit amount) for the payment card 105 and for a predetermined period of time. By confirming the cumulative payment approval amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount, the payment approval limit amount is If it is larger than the summed amount, it is preferable to approve the payment.

According to another embodiment of the present invention, when the card information is a check card, the card company server 140 checks the payment approval limit amount (for example, the balance of the linked account) for the payment card 105, By comparing the payment authorization limit amount and the payment amount included in the payment information, when the payment approval limit amount is larger than the payment amount, it is preferable to approve the payment.

If one of ordinary skill in the art to which the present invention pertains, the technical features of the payment terminal 110, the bansa server 135 and the card company server 140 operating as described above will be familiar with the technical features, Detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the bansa server 135 may include an interface unit 1500 for connecting and managing a communication channel with a payment terminal 110 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. A specialized receiver 1505 (or information receiving means) for receiving a payment approval request message through the communication channel in association with the unit 1500, and confirming the card information included in the received payment approval request message; Comparing the BIN information included in the card information with the BIN information for each payment attribute included in the payment control D / B, the card information matches the payment card 105 issued through the card issuing system shown in FIG. The card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2 by the information checking unit 1515 (or information checking means) for checking and the information checking unit 1515. If there is a prize Check the merchant information included in the payment approval request text, and compare the merchant information and the affiliated merchant information stored in the payment control D / B to give the merchant priority to the payment attribute corresponding to the payment card 105. It is characterized in that it is provided with a merchant verification unit 1520 (or merchant verification means) for checking whether the affiliate affiliated stores to handle real-time account transfer payment through.

The interface unit 1500 transmits and receives specialized payment-related transmission and payment to the payment terminal 110 provided in the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 135 and the payment terminal 110 provided in the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

After reading the card information from the payment card 105 through the card reader in the payment terminal 110 connected to the communication channel and inputting payment information (eg, payment amount, installment months, etc.) through the key input device. When the payment approval request message including the card information, payment information, and the affiliate store information is generated and transmitted through a communication network, the specialized receiving unit 1505 is connected to the interface unit 1500 from the payment terminal 110. Characterized in that receiving the full payment approval request.

If the payment approval request message is encrypted and transmitted by the payment terminal 110 through the bansa encryption key, the message receiving unit 1505 preferably decrypts the encrypted payment approval request message.

When the payment approval request message is received, the information checking unit 1515 checks the card information included in the payment approval request message, checks the BIN information included in the card information, and then checks the checked BIN information. The BIN information for each payment attribute provided in the payment control D / B may be compared to determine whether the card information matches the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information does not match the payment card 105 issued through the card issuing system shown in FIG. 2, the information checking unit 1515 may include the full text of the payment approval request (or Payment approval request information) is characterized in that to check the card company server 140 to be relayed transmission.

On the other hand, if the BIN information for each payment attribute of the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2, the merchant verification unit 1520 is included in the payment approval request text. Check merchant information (for example, merchant number), compare the merchant information and the affiliated merchant information stored in the payment control D / B by the merchant prior to the payment attribute corresponding to the payment card 105 through a financial company Characterized by checking whether the affiliated merchant affiliated to handle real-time account transfer payment.

Referring to FIG. 15, when the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2 and the affiliated store information matches the affiliated affiliated store information, the bansa server 135 The account information confirmation unit 1525 (or account information confirmation means) for confirming the account information payment target account corresponding to the card information, and confirms the affiliated merchant account information corresponding to the affiliated merchant information, and the communication network. The transfer payment request unit (or account) for requesting real-time account transfer payment by transmitting the account information, payment amount information, and affiliated merchant account information to the financial institution server 100 corresponding to the account information for payment account transfer through the account; A transfer payment request means) and a transfer result receiving unit 1545 for receiving the account transfer result information from the financial institution server 100 through the communication network; Or an account transfer result receiving means, and when receiving the account transfer result information, a generation unit (or information) for generating payment approval result information (or full payment approval result) including the account transfer result. Generation means) and a transmission unit (or information transmission means) for transmitting the generated payment approval result information (or full payment approval result) to the bansa server 135 through the communication channel in association with the communication unit. Characterized in that made.

The card information is confirmed by the information confirming unit 1515 to match the payment card 105 issued through the card issuing system shown in FIG. 2, and the affiliated store information is confirmed by the affiliated store checking unit 1520. When it is confirmed that the match with the affiliated merchant information, the account information verification unit 1525 checks the account transfer payment target account information corresponding to the card information in connection with the transfer result management D / B, and the payment control In connection with the D / B (or card management D / B) is characterized in that for confirming the affiliated blind spot account information corresponding to the affiliated merchant information.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The account information verification unit 1525 for checking account information may be provided in the financial institution server 100.

Or, if the payment control D / B is also provided in the financial company server 100, the account information verification unit 1525 for confirming the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B ) May be provided in the financial company server (100).

Thereafter, the transfer payment request unit 1540 is identified through the account information payment target information and payment amount information and the account information verification unit 1525 confirmed through the account information verification unit 1525 through a communication network. The affiliated merchant account information may be transmitted to the financial institution server 100 corresponding to the account information for the target account transfer payment to request real time account transfer payment.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, the transfer result request unit 1540 and 1540 may transfer the account information to which the payment is made. Instead, the card information may be transmitted to the financial institution server 100. In this case, the financial institution server 100 may transfer the account information corresponding to the card information in connection with the transfer result management D / B. It is desirable to check.

Or, if the payment control D / B is also provided in the financial company server 100, the transfer result request unit 1540, 1540 is the affiliated merchant information instead of the affiliated merchant account information the financial company server 100 In this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in association with the payment control D / B.

The bank transfer server receiving the account information, the payment amount information and the affiliate merchant account information for the account transfer payment, withdraws the payment amount information from the account for payment settlement account, and transfers the payment amount information to the affiliated merchant account in real time. After performing the operation, if the financial institution server 100 transmits the account transfer result information, the transfer result receiving unit 1545 may receive the account transfer result information from the financial company server 100 through a communication network. .

Thereafter, the generation unit 1580 generates payment approval result information (or full payment approval result) including the transfer result, and the transmission unit 1560 generates the payment through the communication channel in association with the communication unit. The payment approval result information (or full payment approval result) is characterized in that for transmitting to the bansa server (135).

Referring to FIG. 15, if the card information does not match the payment card 105 issued through the card issuing system shown in FIG. 2 or if the affiliate information does not match the affiliated affiliate information, the bansa server An information transmission unit for transmitting the payment approval request text (or payment approval request information) to the confirmed card company server 140 and a payment processing corresponding to the payment approval request text from the card company server 140. An information receiving unit for receiving payment approval result information (or full payment approval result) including details and a payment approval result message including the payment processing details through a communication channel in connection with an interface unit to the payment terminal 110. Characterized in that it comprises a specialized transmission unit 1510 for transmitting.

When the card company server 140 to which the payment approval request message (or payment approval request information) is relayed is confirmed by the information checking unit 1515, the information transmitting unit 1530 is connected to the bansa server 135. It is characterized in that for transmitting the payment approval request full text (or payment approval request information) to the card company server 140 through a communication channel connected between the card company server 140.

Thereafter, the card company server 140 performs a payment approval procedure corresponding to the full payment approval request message (or payment approval request information), and responds to the full payment approval request message (or payment approval request information) through the communication channel. The payment approval result information (or payment approval result full text) including the payment processing history is transmitted. The information receiving unit 1535 transmits the payment approval result information (or payment approval) from the card company server 140 through the communication channel. To receive the full text of the result).

According to an embodiment of the present invention, if the payment corresponding to the payment approval request full text (or payment approval request information) is approved by the card company server 140, the payment approval result information (or payment approval result full text) is included. The payment processing details may include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 for which payment has been approved.

According to another embodiment of the present invention, when the payment corresponding to the payment approval request full text (or payment approval request information) is not approved in the card company server 140, the payment approval result information (or payment approval result full text) The payment processing history included in the payment card 105 preferably comprises at least one card information and payment error information.

When the payment approval result information (or payment approval result full text) is received from the card company server 140, the specialized transmission unit 1510 includes the payment processing details through the communication channel in association with the interface unit. Characterized in that the payment approval result full text is transmitted to the payment terminal 110, wherein the interface unit 1500 further performs a process of verifying that the payment approval result full text is transmitted to the payment terminal 110. It is desirable to.

According to the present invention, the card company server 140 corresponds to the customer information issued with the payment card 105 and the payment card 105 issued to the customer through the card issuing system shown in FIG. Or a card management D / B for linking and storing card information, card attribute information and card limit information, or interworking with a DBMS operating the card management D / B, or having the card management D / B. It is preferable to link with a DB server (not shown).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number) of the customer who issued the payment card 105 through the card issuing system shown in Figure 2, E-mail address, etc.) and at least one member information (eg, member ID information) of the customer.

Preferably, the card information includes a card number corresponding to the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and additionally, the card issuing institution information (eg, card issuance). Organization number (or code)) and card type information (eg, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 105 is preferably made.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and the payment card ( It is preferable that the loyalty attribute including a mileage accrual policy for 105 and at least one or more additional service attributes associated with the payment card 105 are included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information about the payment card 105. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information is associated with the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

According to the present invention, the card company server 140, when the payment is approved through the payment card 105 through the card issuing system shown in FIG. It is preferable to provide, or to interlock with a DBMS operating the payment history D / B, or to work with a DB server (not shown) provided with the transaction history card management D / B.

Here, the payment history information, card information for the payment card 105 approved for payment, payment approval date, payment approval amount, merchant information and payment approval information preferably comprises at least one or more.

The card information is information that matches card information provided in the card management D / B, and preferably includes a card number, and the card management D / B and the payment history D / B through the card information. Is preferably linked in relational form.

The payment approval date and time, it is preferable that the card company server 140 includes the date and time of payment approval processing of the payment amount through the payment card 105.

The payment approval amount is preferably made of the payment information through the payment card 105 in the card company server 140, the settlement information is processed, the settlement processing of the approved payment amount in accordance with the intention of those skilled in the art It is preferable to further include the settlement amount information.

The affiliated store information is information for identifying an affiliated store that has requested payment approval for the payment amount through the payment card 105, and the affiliated store information includes affiliated store information (or affiliated store code) included in the full payment approval request message, and It is preferable that the payment is made to include the account information of the merchant to settle the settlement of the payment amount.

The payment approval information may include a payment approval number assigned by the card company server 140 when the payment is approved through the payment card 105.

Referring to FIG. 15, the card company server 140 may include a communication unit 1550 for connecting and managing a communication channel with the bansa server 135 through a communication network (for example, a dedicated communication network), and the communication unit 1550. The card unit included in the reception unit 1555 for receiving the payment approval request text (or payment approval request information) from the bansa server 135 in association with the received payment approval request text (or payment approval request information). If the card information is matched with the card information issuing unit 1565 for checking whether the card information issued through the illustrated card issuing system, and the card information is matched, check the payment approval limit amount corresponding to the card information, and the confirmation A payment approval processing unit 1570 for approving the payment for the payment amount included in the full payment approval request (or payment approval request information) through the approved payment approval limit amount, and the payment approval result. Is a history generation unit 1575 for generating payment processing details, a generation unit 1580 for generating payment approval result information (or full payment approval result) including the payment processing history, and is connected with the communication unit 1550. And a transmission unit 1560 for transmitting the generated payment approval result information (or full payment approval result) to the bansa server 135 through the communication channel, and the payment approval processing unit 1570. When the payment is approved by), characterized in that it further comprises an information storage unit 1585 for storing the payment history information included in the payment processing history in the payment history D / B.

The communication unit 1550 connects a communication channel for transmitting and receiving the payment (or information) related to payment with the bansa server 135 through a communication protocol corresponding to the communication network connecting the card company server 140 and the bansa server 135. Characterized in that.

When the bansa server 135 transmits the full payment approval request message (or payment approval request information) through the communication channel, the receiving unit 1555 is linked with the communication unit 1550 to provide card information, payment information, and merchant information. Characterized in that for receiving the full payment approval request (or payment approval request information) including at least one.

If the payment approval request full text (or payment approval request information) is encrypted and transmitted from the bansa server 135 through the encryption key of the card company server 140, the receiving unit 1555 is the encrypted payment approval request It is preferable to decrypt the full text (or payment approval request information).

When the full payment approval request message (or payment approval request information) is received, the card information checking unit 1565 checks card information included in the full payment approval request message (or payment approval request information), and the confirmed card. By querying the card information stored in the card management D / B through the information, it is characterized in that whether the card corresponding to the card information matches the payment card 105 issued through the illustrated card issuing system.

In addition, the card information checking unit 1565 is a card that the payment card 105 is reported missing in the process of checking the card information, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), or It is preferable to further include a step of checking whether the expiration date has passed.

When the validity of the card information included in the payment approval request message (or payment approval request information) is confirmed by the card information checking unit 1565, the payment approval processing unit 1570 is the card management D / B Check the payment approval limit amount corresponding to the card limit information provided in connection with the card information, and based on the confirmed payment approval limit amount, for the payment amount included in the full payment approval request (or payment approval request information). Characterized in that the payment processing approval.

According to the method of the present invention, the payment approval processing unit 1570 first checks the payment attribute (eg, postpaid, debit) corresponding to the card information in association with the card management D / B in order to confirm the payment approval limit amount. Mold, prepaid, etc.) is preferable.

According to one embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit reads the credit limit amount information included in the card limit information. It is preferable to confirm with the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 1570 may provide the card limit information. It is preferable to check the linked account information included in, and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the payment approval processing unit 1570 is charged in the card limit information. It is preferable to check the amount information as the payment authorization limit amount for the payment card 105.

When the payment approval limit amount for the payment card 105 is confirmed, the payment approval processing unit 1570 performs a payment included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. It is characterized by checking whether the payment approval or payment error for each payment property for the amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 1570 is fixed in connection with the payment history D / B. Check the cumulative payment approval amount approved through the payment card 105 for a period, add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment It is preferable to confirm the approval or payment error of the payment amount by comparing the approval limit amount (for example, credit limit amount).

For example, when the payment approval limit amount (eg, credit limit amount) is larger than the sum of the sums, the payment approval processing unit 1570 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 1570 may set the payment approval limit. It is preferable to check the payment approval or payment error for the payment amount by comparing the amount (eg, the balance of the linked account) with the payment amount included in the payment information.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the payment approval processing unit preferably approves the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 1570 may set the payment approval limit amount (eg, It is preferable to check the payment authorization or payment error for the payment amount by comparing the payment amount) and the payment amount included in the payment information.

For example, when the payment approval limit amount (eg, the charge amount) is larger than the payment amount, the payment approval processing unit 1570 preferably processes the payment.

When the payment approval process for the payment amount is completed by the payment approval processing unit 1570, the details generation unit 1575 includes a payment processing result including the payment approval result approved by the payment approval processing unit 1570. Characterized by generating a history.

When the payment is approved according to an embodiment of the present invention, the payment processing details include the card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, when the payment is not approved, the payment processing details may include at least one card information and payment error information for the payment card 105.

When the payment processing details are generated, the generation unit 1580 generates payment approval result information (or full payment approval result) including the payment processing details, and the transmission unit 1560 is the communication unit. In operation 1550, the generated payment approval result information (or full payment approval result) is transmitted to the bansa server 135 through the communication channel.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 1570, the information storage unit 1585 and the card information included in the payment processing history generated by the history generation unit 1575 The payment history information including payment approval date, payment approval amount, merchant information and payment approval information is stored in the payment history D / B.

Referring to FIG. 15, the financial institution server 100 receives a transfer information receiver 1590 for receiving the account transfer payment target account information, payment amount information, and affiliated merchant account information from the bansa server 135 through the communication network. (Or a bank transfer information receiving means) and a financial system in which an account corresponding to the account transfer payment target account information is opened, withdraw the payment amount from the bank transfer payment target account, and calculate the withdrawn payment amount. Transfer payment processing unit 1595 (or bank transfer payment processing means) for transferring payment processing to the affiliated merchant account, and transfer result generation unit 1596 (or account transfer) for generating account transfer result information corresponding to the bank transfer payment. A result generating means) and a transfer result transmitting unit 1597 (also transmitted to the bansa server 135 via the communication network). When the transfer payment is successfully performed by the bank transfer result transmission means and the transfer payment processing unit 1595, the account for the account transfer payment target account information, account transfer payment amount information and the account transfer payment amount And a storage unit 1598 (or storage means) which stores the transfer fee information in association with the affiliated merchant account information and stores in the transfer management management D / B.

When the bansa server 135 transmits the account transfer payment target account information and payment amount information and the affiliated merchant account information through the communication network to the financial company server 100 corresponding to the account transfer payment target account information, the transfer The information receiving unit 1590 may receive the account transfer payment target account information, payment amount information, and affiliated merchant account information from the bansa server 135 through the communication network.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, and the card information is received instead of the account information subject to the transfer payment, the financial institution server 100 ) Is preferably linked to the transfer result management D / B to check the account information for the account transfer payment corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received in place of the affiliated merchant account information, the financial company server 100 in conjunction with the payment control D / B It is preferable to confirm the affiliated merchant account information corresponding to the affiliated merchant information.

When the bank transfer payment target account information, payment amount information and affiliated merchant account information is received, the transfer payment processing unit 1595 is a financial system (eg, the bank transfer) in which an account corresponding to the bank transfer payment target account information is opened. It is characterized in that withdrawal of the payment amount from the bank transfer payment target account in conjunction with a system operated by the ledger corresponding to the payment target account.

Subsequently, the transfer payment processing unit 1595 transfers the settlement amount after deducting the account transfer fee from the withdrawal amount to the affiliated merchant account for payment processing.

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Then, the transfer result generation unit 1596 is characterized in that the account corresponding to the account transfer payment generates transfer result information.

When the bank transfer payment is successfully performed according to an exemplary embodiment of the present invention, the bank transfer result information may include bank transfer history information (eg, bank transfer payment target account information, bank transfer payment amount information, and bank transfer payment amount). Account transfer fee information, account transfer date and time, affiliated merchant account information, etc.).

According to another exemplary embodiment of the present invention, when the bank transfer payment fails (for example, insufficient balance of the account for which the bank account is settled), the account transfer result information may include account transfer error information.

When the account transfer result information is generated by the transfer result generation unit 1596, the transfer result transfer unit 1597 transmits the generated account transfer result information to the bansa server 135 through the communication network. It features.

When the bank transfer payment is successfully performed by the transfer payment processing unit 1595, the storage unit 1598 transfers the bank account for the account transfer payment target account information, the account transfer payment amount information, and the account transfer payment amount. The information is linked to the affiliated merchant account information, characterized in that stored in the account transfer management D / B.

FIG. 16 is a diagram illustrating a payment approval request process for preferential bank transfer payment for an affiliated merchant according to an embodiment of the present invention.

In more detail, FIG. 16 generates a full payment approval request at a payment terminal 110 on the card payment system shown in FIG. 15 based on a payment card 105 issued through the card issuing system shown in FIG. As shown in the process of transmitting to the bansa server 135, those of ordinary skill in the art to which the present invention belongs, reference and / or modification of the Figure 16, the preferred account transfer payment for the affiliated merchants Various implementation methods for the payment approval request process 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. 16, the payment terminal 110 on the offline card payment system shown in FIG. 15 reads card information from the payment card 105 through a card reader, and payment information (eg, through a key input means). Payment amount, installment months, etc.) (1600), and generates a full payment approval request message including the input card information, payment information, and merchant information stored in the payment terminal 110 (1605).

Thereafter, the payment terminal 110 connects a communication channel for professional transmission and reception with the bansa server 135 through the communication network (eg, a public communication network) (1610).

If the communication channel is connected (1615), the payment terminal 110 transmits the full text of the payment approval request to the bansa server 135 through the communication channel (1620).

17 is a diagram illustrating a payment method selection process for the payment card 105 according to an embodiment of the present invention.

In more detail, when FIG. 17 receives a payment approval request message to the bansa server 135 through the payment approval request process shown in FIG. 16, the card included in the payment approval request message is received by the bansa server 135. The information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2, and the merchant information included in the full payment approval request text is prioritized over the payment attribute corresponding to the payment card 105. After confirming that the affiliated merchants are affiliated to process real time account transfer payment through the card information, the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2, and the affiliated store information is matched with the affiliated merchant information. If it is matched with, the payment corresponding to the payment approval request full text through the real-time account transfer payment through the financial company rather than the payment attribute of the payment card 105 As a process for processing by shipment, those of ordinary skill in the art to which the present invention pertains, various modifications to the payment method selection process for the payment card 105 by referring to and / or modified in this figure 17 Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 17, the full payment approval request is received by the bansa server 135 through the payment approval request process illustrated in FIG. 16 (1700).

According to the embodiment of the present invention, when the full payment approval request is encrypted and transmitted from the bansa server 135 through the encryption key of the bansa server 135, the bansa server 135 is the encrypted payment approval request It is desirable to decrypt the full text.

Then, the bansa server 135 checks the card information, payment information and merchant information included in the full payment approval request (1705), the BIN information corresponding to the payment attribute of the card information and the payment control D / B By comparing the BIN information for each payment attribute provided in FIG. 17, it is checked whether the card information matches the payment card 105 issued through the card issuing system shown in FIG.

According to the embodiment of the present invention, the bansa server 135 checks the BIN information included in the card information, checks the card attribute information associated with the card information in association with the card management D / B, and By checking the payment attribute information of the payment card 105 included in the card attribute information, it is preferable to check the BIN information for each payment attribute included in the card information.

When the BIN information for each payment attribute included in the card information is confirmed, the bansa server 135 compares the BIN information for each payment attribute included in the payment control D / B with the BIN information for each of the checked payment attributes and the card. It is preferable to check whether the information matches the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2 (1715), the bansa server 135 transmits the request for approval of the payment. Check the affiliated store information (eg, affiliated store number) included and compare the affiliated store information with the affiliated store information stored in the payment control D / B to give the merchant priority to the payment attribute corresponding to the payment card 105. Check whether the affiliated affiliated store to handle real-time account transfer payment through (1720).

If the card information is matched with the payment card 105 issued through the card issuing system shown in Figure 2, and the merchant information is confirmed as the affiliated merchant information (1725), the bansa server 135 is the Check the account information corresponding to the account transfer corresponding to the card information in connection with the transfer result management D / B, and cooperate with the affiliated merchant information in connection with the payment control D / B (or card management D / B). The merchant checks the account information (1730).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The function of checking account information may be provided in the financial institution server 100.

Or, if the payment control D / B is also provided in the financial company server 100, the function to check the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B is the financial company server (100) It is possible to be provided in).

If the bank transfer payment target account information corresponding to the card information and the affiliated merchant account information corresponding to the affiliated merchant information are confirmed (1735), the bansa server 135 is confirmed through the account information verification unit through the communication network; The bank transfer payment target account information, payment amount information and the affiliated merchant account information confirmed through the account information checking unit are transmitted to the financial company server 100 corresponding to the bank transfer payment target account information to request real-time transfer payment ( 1740).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial company server 100, the bansa server 135 may substitute the card information instead of the target account information for the transfer payment. May be transmitted to the financial institution server 100, and in this case, it is preferable that the financial institution server 100 confirm the account information corresponding to the payment information corresponding to the card information in connection with the transfer result management D / B. Do.

Alternatively, when the payment control D / B is also provided in the financial company server 100, the bansa server 135 may transmit the affiliated merchant information to the financial company server 100 instead of the affiliated merchant account information. In this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B.

18 is a diagram illustrating a process of processing a wire transfer payment prior to a payment attribute of a payment account according to an embodiment of the present invention.

In more detail, FIG. 18 shows that if a payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to a payment attribute of a corresponding payment account through the payment method selection process shown in FIG. Regarding the process of processing the wire transfer payment in the financial company server 100, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 18 than the payment attribute of the payment account It will be possible to infer various implementation methods for the process of the first payment transfer process, but the present invention includes all the implementation methods inferred, the technical features are limited only by the implementation method shown in FIG. Not.

Referring to FIG. 18, if the payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to the payment attribute of the corresponding payment account through the payment method selection process shown in FIG. The server 100 transfers payment account information corresponding to the card information of the payment card 105, payment amount information, and affiliated merchants in order to process the account transfer payment in preference to the payment attribute of the payment account through the communication network. Receive the account information (1800).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, and the card information is received instead of the account information subject to the transfer payment, the financial institution server 100 ) Is preferably linked to the transfer result management D / B to check the account information for the account transfer payment corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received in place of the affiliated merchant account information, the financial company server 100 in conjunction with the payment control D / B It is preferable to confirm the affiliated merchant account information corresponding to the affiliated merchant information.

Thereafter, the financial institution server 100 connects to the financial system in which an account corresponding to the account transfer payment target account information is opened (for example, a system operated by a ledger corresponding to the account for payment transfer payment). The balance of the target account is checked (1805), and the balance of the confirmed account transfer payment target account is compared with the payment amount to determine whether to approve the payment transfer (1810).

If the bank transfer payment is not approved (1815), the financial institution server 100 generates account transfer result information including the bank transfer payment error information and transmits it to the bansa server 135 (1820). The server 135 generates the payment approval result text including the account transfer result information and transmits the payment approval result text to the payment terminal 110 through a communication channel connected with the payment terminal 110 and outputs the result. 1845).

On the other hand, if the bank transfer payment is approved (1815), the financial institution server 100 withdraws the amount corresponding to the payment amount from the account transfer payment target account (1825), the withdrawn The settlement amount obtained by subtracting the transfer fee from the amount is transferred to the affiliated merchant account to settle the payment (1830).

According to the present invention, the account transfer fee is a card payment fee (eg, a credit card payment fee, or a check card payment) according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Subsequently, the financial institution server 100 associates the bank transfer payment target account information, the bank transfer payment amount information, the bank transfer fee information for the bank transfer payment amount, and the affiliated merchant account information to store in the bank transfer management D / B. (1835).

Thereafter, the financial institution server 100 generates account transfer result information including the account transfer history and transmits it to the bansa server 135 (1840), and the bansa server 135 includes the account transfer result information. The payment approval result message is generated and the payment approval result message is transmitted to the payment terminal 110 through a communication channel connected with the payment terminal 110 and output (1845).

19 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to an embodiment of the present invention.

In more detail, in FIG. 19, when the payment method for the payment card 105 is selected as the payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process illustrated in FIG. 17, the card company server 140 In accordance with the payment properties of the payment card 105 in the process of the approval process for the requested payment through the full payment approval request (or payment approval request information), the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various implementation methods for the payment approval process according to the payment attribute of the payment account by referring to and / or modified in this figure 19, the present invention comprises all the implementation methods inferred The technical features are not limited only to the implementation method illustrated in FIG. 19.

Referring to FIG. 19, if the payment method for the payment card 105 is selected as the payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process illustrated in FIG. 17, the bansa server 135 Reads the confirmed card information to check the card company server 140 to transmit the full payment approval request message (1900).

According to an embodiment of the present invention, the bansa server 135 reads the BIN of the card information included in the payment approval request text, and confirms the card company server 140 to which the payment approval request text is relayed. .

If the card company server 140 to relay the payment approval request message is confirmed (1905), the bansa server 135 transmits the payment approval request message (or the payment approval request message) to the confirmed card company server 140. The payment request information including the card information, payment information and merchant information included) is relayed and transmitted (1910).

Thereafter, the card company server 140 receives the full payment approval request message (or payment approval request information) from the bansa server 135 (1915), and the card management D / B is provided in association with the card information. The payment approval limit amount for each payment attribute corresponding to the card limit information is checked (1920).

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 may provide credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may be assigned to the card limit information. It is preferable to check the included linked account information and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment approval limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 140 charges the amount of money included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

If the payment approval limit amount for each payment attribute of the payment card 105 is confirmed (1925), the card company server 140 may transmit the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. In step 1930, the payment approval for each payment attribute is processed.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 is linked with the payment history D / B for a certain period of time. While confirming the cumulative payment approval amount approved through the payment card 105, adding the confirmed cumulative payment approval amount and the payment amount included in the payment information, and adding the sum and the confirmed payment approval. It is preferable to check the payment authorization or payment error for the payment amount by comparing the limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may limit the payment approval. It is preferable to check the payment approval or payment error for the payment amount by comparing the amount (eg, the balance of the linked account) with the payment amount included in the payment information.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, prepaid card payment attribute), the card company server 140 may charge the payment approval limit amount (eg, charge). Amount) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 140 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (1935), the card company server 140 generates the payment approval result information (or full payment approval result) including payment error information to the bansa server. In operation 1940, the bansa server 135 transmits the full payment approval result including the payment error information to the payment terminal 110 through a communication channel connected to the payment terminal 110. Transmit and output (1945).

On the other hand, when the payment approval for each payment attribute is confirmed as the payment approval process result (1935), the card company server 140 generates a payment processing history including the payment approval result (1950).

Here, the payment processing details preferably include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment.

Thereafter, the card company server 140 generates payment approval result information (or full payment approval result) including the payment processing details and transmits the generated payment approval result information to the bansa server 135 (1955). 135 transmits and outputs the full payment approval result including the payment processing details to the payment terminal 110 through a communication channel connected to the payment terminal 110 (1945).

In addition, the card company server 140 generates payment information including at least one of card information included in the generated payment processing history, payment approval date, payment approval amount, merchant information and payment approval information (1960). In operation 1965, the payment history information is stored in the payment history D / B.

20 is a diagram showing the configuration of a card payment system for processing a preferred account transfer payment for the affiliated merchant in the relay server according to another embodiment of the present invention.

In more detail, FIG. 20 shows a client connected to an affiliated store server 115 (for example, all web servers requiring payment, such as an internet shopping mall) corresponding to an online affiliated store through the client terminal 130, as shown in FIG. When the card payment processing through the payment card 105 issued through the issued card issuing system, a relay server for processing the professional transmission and reception between the payment request server 120 (or client terminal 130) and the card company server 140 ( For example, a card corresponding to the card information may be read by reading the BIN information included in the card information requested for payment from a bansa server 135, a payment agent server, or a server operated by a bansa (or payment agency). Check whether the payment card 105 issued through the card issuing system shown in the above, and after confirming whether the offline merchant, or online merchant is affiliated affiliate (or membership affiliate), If the requested card information is matched with the payment card 105 and the offline affiliate or online merchant is identified as an affiliate affiliate (or membership affiliate), the financial company is given priority over the payment attribute corresponding to the payment card 105. If the real time account transfer payment through the payment request card information does not match the payment card 105, or the offline merchant or online merchant is not confirmed as an affiliated merchant (or membership merchant), As a card payment system for processing the card payment through a card company according to the payment attribute (for example, post-pay, debit, prepaid) corresponding to the payment card 105, in the art If you have the knowledge of the preferred reference to 20 and / or modified the preferred account transfer payment for the affiliated merchants Would be able to infer a variety of exemplary methods for the card billing system configured to process, the present invention is made, including any exemplary way in which the inference, to which the the technical features are not limited to the exemplary method shown in the figure 20.

For example, FIG. 20 illustrates a relay server (for example, a bansa server 135 or a payment agent server, or a server that handles professional transmission and reception between the payment request server 120 (or client terminal 130) and the card company server 140), or A server operated by a bansa (or a payment agency) is a bansa server 135 that handles professional transmission and reception between the payment request server 120 (or client terminal 130) and the card company server 140 for the sake of convenience. Although the technical features of the present invention will be described in detail through an implementation method in which payment control D / B and transfer payment management D / B on the card issuing system shown in FIG. 2 work with the Bansa server 135, the present invention is limited thereto. The payment control D / B or the transfer payment management D / B will be clarified that the financial company server 100 may be provided according to the intention of a person skilled in the art.

Referring to FIG. 20, a card payment system for processing preferential account transfer payment for the affiliated merchant includes a client terminal 130 used by a customer, an affiliated store server 115 corresponding to an online affiliated store, and the online affiliated store. A payment request server 120 (eg, a payment agency server or a payment server associated with the merchant server 115) that provides a payment service and requests payment processing to a bansa (or card company), and is shown in FIG. The card company server 140 and the payment request server 120 to the client terminal 130 and the card company which issue the payment card 105 through the issued card issuing system and process payment approval through the payment card 105. And a bansa server 135 provided in a value added network (VAN) for relaying the server 140.

In FIG. 20, the card company server 140 is illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the card company server 140 in the present invention, and the intention and card payment of those skilled in the art. According to the system implementation method, the card company server 140 will be apparent that it may be implemented in the form of a system consisting of a plurality of servers for each functional component.

In addition, in FIG. 20, the bansa server 135 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 135 in the present invention. According to the card payment system implementation method, it is apparent that the bansa server 135 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The client terminal 130 is connected to the affiliated store server 115 through a communication network, and a wired terminal provided with a browser program for determining purchase of various products (or services) provided by the affiliated store server 115, or Characterized in that it comprises a wireless terminal.

The affiliated store server 115 accepts a connection of a client terminal 130 used by a customer on a communication network, and provides the client terminal 130 with at least one item of sale (or service) to be sold, thereby providing the client terminal 130. ) A web server (for example, an internet shopping server, a content providing server, etc.) for processing to purchase any one of the products (or services) to be sold.

The payment request server 120 is a payment agency server for the payment processing for at least one or more merchant server 115, or a payment server associated with each merchant server 115 (for example, a large Internet shopping mall, etc.) Characterized in that it comprises at least one or more.

According to the exemplary embodiment of the present invention, when the client terminal 130 accesses the affiliated server server 115 and decides to purchase at least one product (or service), the client terminal 130 selects a payment means to the client terminal 130. Providing a payment means interface, and when the card payment means is selected by the client terminal 130 through the payment means interface, the client terminal 130 transmits the product to be purchased to the payment interface corresponding to the selected card payment means; (Or service) payment information (e.g., payment amount, installment months, etc.) and merchant information is preferably provided to include.

Here, the payment interface preferably comprises at least one or more secure click interface, or a secure payment interface.

Those skilled in the art to which the present invention pertains include a user interface characteristic for the assured click interface or a secure payment interface, an information configuration characteristic input through the user interface, and a transaction for transmitting and receiving the input information. Since you will be familiar with the characteristics, such a detailed description will be omitted for convenience.

The client terminal 130 provided with the payment interface from the payment request server 120 may use card information and online payment authentication information corresponding to the payment card 105 through a user interface included in the payment interface. For example, an assured click password and a CVC code or an authorized certificate) or online payment authentication information (eg, a secure payment password) corresponding to a card payment means is input.

According to an exemplary embodiment of the present invention, information input through the payment interface (for example, card information and online payment authentication information, or online payment authentication information corresponding to a card payment means), payment information, and merchant information are included in the client. The terminal 130 is preferably transmitted to the bansa server 135 through the payment request server 120.

According to another exemplary embodiment of the present invention, information input through the payment interface (eg, card information and online payment authentication information, or online payment authentication information corresponding to a card payment means), payment information, and merchant information are The client terminal 130 is preferably transmitted directly to the bansa (or card company server 140).

The bansa server 135 connects a communication channel with the payment request server 120 (or the client terminal 130) through a communication network, and includes at least one x.25 based communication network and an encryption / decryption based communication network. By connecting a communication channel with the card company server 140 through a dedicated communication network it is characterized in that the connection between the payment request server 120 (or client terminal 130) and the card company server 140.

Hereinafter, for convenience, the technical features of the card payment system in which the bansa server 135 processes the preferential bank transfer payment for the affiliated merchants in consideration of the communication channel connected to the payment request server 120 will be described in detail. However, those skilled in the art to which the present invention belongs, will be familiar with the transaction procedure in accordance with the secure click or secure payment, the communication channel is carried out after the time of the present application according to the transaction procedure Characterized in that it comprises a communication channel connection configuration.

According to the method of the present invention, the bansa server 135 receives the payment approval request text encrypted with the bansa encryption key from the payment request server 120, and decrypts the payment approval request text with the decryption key of bansa The card information included in the decoded payment approval request text is read to confirm a card company server 140 to which the payment approval request text is transmitted by reading a BIN (Bank Identification Number), and the payment approval request text (or the payment approval). It is preferable to encrypt the card information included in the request and payment approval request information including payment information and merchant information) with an encryption key that can be decrypted by the confirmed card company server 140 and then transmitted to the card company server 140. Do.

The card company server 140 issues the payment card 105 through the card issuing system shown in FIG. 2 and based on the card information included in the payment approval request message received from the bansa server 135. Confirming a payment approval limit amount (for example, a credit limit or a balance of a linked account) for the payment card 105, and approving a payment for the payment amount included in the payment information through the payment approval limit amount; It is characterized by.

According to the embodiment of the present invention, the card company server 140 is a payment approval request full text (or card information included in the payment approval request full text) encrypted with the encryption key of the card company server 140 from the bansa server 135 Payment approval request information including information and affiliated store information) is preferably received and decrypted to check card information, payment information, and merchant information included in the full payment approval request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 140 is authorized for payment for a payment approval limit amount (for example, the credit limit amount) for the payment card 105 and for a predetermined period of time. By confirming the cumulative payment approval amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount, the payment approval limit amount is If it is larger than the summed amount, it is preferable to approve the payment.

According to another embodiment of the present invention, when the card information is a check card, the card company server 140 checks the payment approval limit amount (for example, the balance of the linked account) for the payment card 105, By comparing the payment authorization limit amount and the payment amount included in the payment information, when the payment approval limit amount is larger than the payment amount, it is preferable to approve the payment.

Those skilled in the art to which the present invention pertains, since the technical features of the bansa server 135 and the card company server 140 operating as described above will be familiar with the technical features, more detailed description thereof Omit for convenience.

Referring to FIG. 20, the bansa server 135 may include an interface unit 2000 for connecting and managing a communication channel with a payment request server 120 provided at the affiliated store through a communication network (eg, a public communication network). Checking the card information included in the specialized receiving unit 2005 (or information receiving means) for receiving the payment approval request full text through the communication channel in association with the interface unit 2000, the received payment approval request full text, Comparing the BIN information included in the card information with the BIN information for each payment attribute provided in the payment control D / B, the card information matches the payment card 105 issued through the card issuing system shown in FIG. An information checking unit 2015 (or information checking means) for confirming whether the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. Become Confirming the merchant information included in the full payment approval request message and comparing the affiliated store information with the affiliated store information stored in the payment control D / B to give priority to the payment attribute corresponding to the payment card 105; It is characterized in that it comprises a merchant verification unit 2020 (or merchant verification means) to determine whether the affiliated merchants affiliated to handle real-time account transfer payment through a financial company.

The interface unit 2000 connects the communication channel for transmission and reception of the payment-related professional with the payment request server 120 through a communication protocol corresponding to the communication network connecting the bansa server 135 and the payment request server 120. And maintaining and managing the communication channel until the specialized transmission and reception is completed.

When the payment request server 120 connected to the communication channel generates a payment approval request message including the card information, the payment information, and the affiliated store information according to the online payment method, and transmits it through a communication network, the specialized receiver 2005 The payment approval request message is received from the payment request server 120 in connection with the interface unit 2000.

If the payment approval request text is encrypted and transmitted from the payment request server 120 through the bansa encryption key, the text receiving unit 2005 preferably decrypts the encrypted payment approval request text.

When the payment approval request text is received, the information checking unit 2015 checks the card information included in the payment approval request text, checks the BIN information included in the card information, and then checks the checked BIN information. Comparing the BIN information for each payment attribute provided in the payment control D / B, it is characterized in that the card information is matched with the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information does not match the payment card 105 issued through the card issuing system shown in FIG. 2, the information confirming unit 2015 completes the payment approval request message (or Payment approval request information) is characterized in that to check the card company server 140 to be relayed transmission.

On the other hand, if the BIN information for each payment attribute of the card information matches the payment card 105 issued through the card issuing system shown in FIG. 2, the affiliated store identification unit 2020 may be included in the full payment approval request. Check merchant information (for example, merchant number), compare the merchant information and the affiliated merchant information stored in the payment control D / B by the merchant prior to the payment attribute corresponding to the payment card 105 through a financial company Characterized by checking whether the affiliated merchant affiliated to handle real-time account transfer payment.

Referring to FIG. 20, when the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2 and the affiliated store information matches the affiliated affiliated store information, the bansa server 135 is provided. The account information confirmation unit 2025 (or account information confirmation means) for confirming the account information for the account transfer payment corresponding to the card information, and confirms the affiliated merchant account information corresponding to the affiliated merchant information, and the communication network. The transfer payment request unit (or account) for requesting real-time account transfer payment by transmitting the account information, payment amount information, and affiliated merchant account information to the financial institution server 100 corresponding to the account information for payment account transfer through the account; Transfer payment request means) and a transfer result receiving unit for receiving the account transfer result information from the financial institution server 100 through the communication network (or And a generation unit (or information generation) for generating payment approval result information (or full payment approval result) including the account transfer result when the account transfer result information is received. Means) and a transmission unit (or information transmission means) for transmitting the generated payment approval result information (or payment approval result full text) to the bansa server 135 through the communication channel in association with the communication unit. It is characterized by.

The card information is confirmed by the information confirming unit 2015 to match the payment card 105 issued through the card issuing system shown in FIG. 2, and the affiliated store information is confirmed by the affiliated store checking unit 2020. If is confirmed to match the affiliated merchant information, the account information verification unit 2025 checks the account information payment target account information corresponding to the card information in connection with the transfer result management D / B, and the payment control And affiliated merchant account information corresponding to the affiliated merchant information in connection with D / B (or card management D / B).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The account information verification unit 2025 for checking account information may be provided in the financial company server 100.

Or, if the payment control D / B is also provided in the financial company server 100, the account information verification unit 2025 for confirming the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B ) May be provided in the financial company server (100).

Subsequently, the transfer payment requesting unit checks the account information and the payment amount information and the affiliated merchant account information confirmed through the account information checking unit 2025 confirmed through the account information checking unit 2025 through a communication network. It is characterized in that for requesting the real-time account transfer payment by transmitting to the financial institution server 100 corresponding to the account transfer payment target account information.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked to) the financial institution server 100, the transfer result request unit 2040 may replace the card instead of the account information subject to payment transfer. Information may be transmitted to the financial institution server 100, and in this case, the financial institution server 100 confirms the account transfer payment target account information corresponding to the card information in connection with the transfer result management D / B. desirable.

Alternatively, when the payment control D / B is also provided in the financial company server 100, the transfer result request unit 2040 transmits the affiliated merchant information to the financial company server 100 instead of the affiliated merchant account information In this case, in this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B.

The bank transfer server receiving the account information, the payment amount information and the affiliate merchant account information for the account transfer payment, withdraws the payment amount information from the account for payment settlement account, and transfers the payment amount information to the affiliated merchant account in real time. After performing the transfer, the transfer result information is transmitted from the financial institution server 100, and the transfer result receiving unit may receive the transfer result information from the financial institution server 100 through a communication network.

Thereafter, the generation unit generates payment approval result information (or full payment approval result) including the account transfer result, and the transmission unit is connected with the communication unit to generate the payment approval result information (or payment) through the communication channel. Full text of the approval result) is characterized in that the transmission to the bansa server (135).

Referring to FIG. 20, if the card information does not match the payment card 105 issued through the card issuing system shown in FIG. 2 or if the affiliate information does not match the affiliated affiliate information, the bansa server The information transmission unit 2030 transmits the payment approval request message (or payment approval request information) to the confirmed card company server 140, and corresponds to the payment approval request message from the card company server 140. Payment approval result including the payment processing history through the communication channel in connection with the information receiving unit 2035 and the interface unit 2000 for receiving payment approval result information (or full payment approval result) including the payment processing history Characterized in that it comprises a specialized transmission unit 2010 for transmitting the full text to the payment request server 120.

When the card company server 140 to which the payment approval request message (or payment approval request information) is relayed and transmitted is confirmed by the information checking unit 2015, the information transmitting unit 2030 is connected with the bansa server 135. It is characterized in that for transmitting the payment approval request full text (or payment approval request information) to the card company server 140 through a communication channel connected between the card company server 140.

Thereafter, the card company server 140 performs a payment approval procedure corresponding to the full payment approval request message (or payment approval request information), and responds to the full payment approval request message (or payment approval request information) through the communication channel. The payment approval result information (or payment approval result full text) including the payment processing history is transmitted. The information receiving unit 2035 transmits the payment approval result information (or payment approval) from the card company server 140 through the communication channel. To receive the full text of the result).

According to an embodiment of the present invention, if the payment corresponding to the payment approval request full text (or payment approval request information) is approved by the card company server 140, the payment approval result information (or payment approval result full text) is included. The payment processing details may include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 for which payment has been approved.

According to another embodiment of the present invention, when the payment corresponding to the payment approval request full text (or payment approval request information) is not approved in the card company server 140, the payment approval result information (or payment approval result full text) The payment processing history included in the payment card 105 preferably comprises at least one card information and payment error information.

When the payment approval result information (or payment approval result full text) is received from the card company server 140, the specialized transmission unit 2010 is connected to the interface unit 2000 to record the payment processing details through the communication channel. Characterized in that it transmits the payment approval result full text to the payment request server 120, wherein the interface unit 2000 to verify that the payment approval result full text is transmitted to the payment request server 120 It is desirable to carry out the procedure further.

According to the present invention, the card company server 140 corresponds to the customer information issued with the payment card 105 and the payment card 105 issued to the customer through the card issuing system shown in FIG. Or a card management D / B for linking and storing card information, card attribute information and card limit information, or interworking with a DBMS operating the card management D / B, or having the card management D / B. It is preferable to link with a DB server (not shown).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number) of the customer who issued the payment card 105 through the card issuing system shown in Figure 2, E-mail address, etc.) and at least one member information (eg, member ID information) of the customer.

The card information may include a card number corresponding to the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and additionally, the card issuing institution information (eg, a card). Issuing organization number (or code)) and card type information (e.g., card identification number (or code)) and the expiration date information (some may be omitted) for the payment card 105 is preferably made.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and the payment card ( It is preferable that the loyalty attribute including a mileage accrual policy for 105 and at least one or more additional service attributes associated with the payment card 105 are included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information about the payment card 105. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may be different from the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

According to the present invention, the card company server 140, when the payment is approved through the payment card 105 through the card issuing system shown in FIG. It is preferable to provide, or to interlock with a DBMS operating the payment history D / B, or to work with a DB server (not shown) provided with the transaction history card management D / B.

Here, the payment history information, card information for the payment card 105 approved for payment, payment approval date, payment approval amount, merchant information and payment approval information preferably comprises at least one or more.

The card information is information that matches card information provided in the card management D / B, and preferably includes a card number, and the card management D / B and the payment history D / B through the card information. B is preferably linked in a relational manner.

The payment approval date and time, it is preferable that the card company server 140 includes the date and time of payment approval processing of the payment amount through the payment card 105.

The payment approval amount is preferably made of the payment information through the payment card 105 in the card company server 140, the settlement information is processed, the settlement processing of the approved payment amount in accordance with the intention of those skilled in the art It is preferable to further include the settlement amount information.

The affiliated store information is information for identifying an affiliated store that has requested payment approval for the payment amount through the payment card 105, and the affiliated store information includes affiliated store information (or affiliated store code) included in the full payment approval request message, and It is preferable that the payment is made to include the account information of the merchant to settle the settlement of the payment amount.

The payment approval information may include a payment approval number assigned by the card company server 140 when the payment is approved through the payment card 105.

Referring to FIG. 20, the card company server 140 may include a communication unit for connecting and managing a communication channel with the bansa server 135 through a communication network (for example, a dedicated communication network), and the bansa server 135 in connection with the communication unit. The card issuing system shown in the receiving unit 2055 for receiving the payment approval request full text (or payment approval request information) and the card information included in the received payment approval request full text (or payment approval request information). A card information checking unit for checking whether the card information is matched with the card information, and if the card information is matched, checking a payment approval limit amount corresponding to the card information, and confirming the payment through the confirmed payment approval limit amount. Payment approval processing unit 2070 for approving the payment for the payment amount contained in the full request (or payment approval request information), and payment processing including the payment approval result A history generating unit 2075 for generating a station, a generation unit 2080 for generating payment approval result information (or a full payment approval result) including the payment processing history, and the communication unit 2050 in connection with the communication unit 2050 And a transmission unit 2060 for transmitting the generated payment approval result information (or full payment approval result) to the bansa server 135 through a channel, and by the payment approval processing unit 2070. When the payment is approved, it is characterized in that it further comprises an information storage unit 2085 for storing the payment history information included in the payment processing history in the payment history D / B.

The communication unit 2050 transmits a communication channel for transmitting / receiving the payment (or information) to the bansa server 135 through a communication protocol corresponding to a communication network connecting the card company server 140 and the bansa server 135. It is characterized by connecting.

When the bansa server 135 transmits the full payment approval request message (or payment approval request information) through the communication channel, the receiving unit 2055 is linked with the communication unit 2050 to receive card information, payment information, and merchant information. Characterized in that for receiving the full payment approval request (or payment approval request information) including at least one.

If the payment approval request message (or payment approval request information) is transmitted from the bansa server 135 by using the encryption key of the card company server 140, the receiving unit transmits the encrypted payment approval request message (or Payment approval request information).

When the full payment approval request message (or payment approval request information) is received, the card information verification unit checks the card information included in the full payment approval request message (or payment approval request information), and through the confirmed card information By querying the card information stored in the card management D / B, it is characterized in that whether the card corresponding to the card information is matched with the payment card 105 issued through the illustrated card issuing system.

In addition, the card information verification unit 2065 is a card that the payment card 105 is reported missing in the card information verification process, or a card that satisfies an unusable condition (for example, bad credit, delinquent, etc.), Or it is preferably made further comprising the step of checking whether the expiration date of the card.

When the validity of the card information included in the full payment approval request (or payment approval request information) is confirmed by the card information checking unit 2065, the payment approval processing unit 2070 informs the card management D / B. Check the payment approval limit amount corresponding to the card limit information provided in connection with the card information, and based on the confirmed payment approval limit amount, for the payment amount included in the full payment approval request (or payment approval request information). Characterized in that the payment processing approval.

According to the implementation method of the present invention, the payment approval processing unit 2070 first checks the payment approval amount corresponding to the card information in association with the card management D / B (for example, postpaid or debit) Mold, prepaid, etc.) is preferable.

According to one embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit reads the credit limit amount information included in the card limit information. It is preferable to confirm with the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 2070 is charged in the card limit information. It is preferable to check the amount information as the payment authorization limit amount for the payment card 105.

When the payment approval limit amount for the payment card 105 is confirmed, the payment approval processing unit is configured for the payment amount included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. It is characterized by checking whether the payment approval or payment error for each payment property.

According to one embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit is connected to the payment history D / B for a predetermined period of time. Confirm the cumulative payment approval amount approved for payment through the payment card 105, add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount. (E.g., credit limit amount) is compared to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (eg, credit limit amount) is larger than the sum of the sums, the payment approval processing unit preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit may include the payment approval limit amount (for example, , The balance of the linked account) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the payment approval processing unit preferably approves the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit may include the payment approval limit amount (for example, a charge amount). It is preferable to check payment approval or payment error for the payment amount by comparing the payment amount included in the payment information.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, it is preferable that the payment approval processing unit approves the payment.

When the payment approval procedure for the payment amount is completed by the payment approval processing unit, the details generation unit may generate a payment processing history including the payment approval result approved by the payment approval processing unit.

When the payment is approved according to an embodiment of the present invention, the payment processing details include the card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, when the payment is not approved, the payment processing details may include at least one card information and payment error information for the payment card 105.

When the payment processing details are generated, the generation unit 2080 may generate payment approval result information (or payment approval result full text) including the payment processing details, and the transmission unit may be connected to the communication unit. The generated payment approval result information (or full payment approval result) through the communication channel is characterized in that for transmitting to the bansa server 135.

In addition, when the payment for the payment amount is approved by the payment approval processing unit, the information storage unit card information included in the payment processing history generated by the history generation unit, payment approval date, payment approval amount, merchant And payment history information including at least one information and payment approval information in the payment history D / B.

Referring to FIG. 20, the financial institution server 100 may receive a transfer information receiver (or an account) for receiving the account transfer payment target account information, payment amount information, and affiliated merchant account information from the bansa server 135 through the communication network. Withdrawal of the payment amount from the bank transfer payment target account in association with a financial system in which a transfer information receiving means) and an account corresponding to the account transfer payment target account information are opened, and the withdrawal payment amount is transferred to the affiliated merchant account; A transfer payment processing unit (or a bank transfer payment processing unit) for transferring and processing a payment, a transfer result generating unit (or account transfer result generating unit) for generating account transfer result information corresponding to the bank transfer payment, and the generated Transfer result transmission unit (or account transfer result) for transmitting the account transfer result information to the bansa server 135 through the communication network Transfer means), and when the transfer payment is successfully performed by the transfer settlement processing unit, the account transfer payment target account information, the account transfer payment amount information, the account transfer fee information for the account transfer payment amount, and the affiliated merchant account; It is characterized in that it comprises a storage unit (or storage means) for storing the information in connection with the transfer management management D / B.

When the bansa server 135 transmits the account transfer payment target account information and payment amount information and the affiliated merchant account information through the communication network to the financial company server 100 corresponding to the account transfer payment target account information, the transfer The information receiving unit may receive the account transfer payment target account information, payment amount information, and affiliated merchant account information from the bansa server 135 through the communication network.

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, and the card information is received instead of the account information subject to the transfer payment, the financial institution server 100 ) Is preferably linked to the transfer result management D / B to check the account information for the account transfer payment corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received in place of the affiliated merchant account information, the financial company server 100 in conjunction with the payment control D / B It is preferable to confirm the affiliated merchant account information corresponding to the affiliated merchant information.

When the bank transfer payment target account information, payment amount information and affiliated merchant account information is received, the transfer payment processing unit is a financial system (eg, the bank transfer payment target account) in which an account corresponding to the account transfer payment target account information is opened. The payment amount from the account transfer payment target account in conjunction with the system (operated by the ledger corresponding to the).

Thereafter, the transfer settlement processing unit transfers the settlement amount by deducting the account transfer fee from the withdrawal amount to the affiliated merchant account for payment processing.

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Thereafter, the transfer result generation unit may generate account transfer result information corresponding to the transfer payment.

When the bank transfer payment is successfully performed according to an exemplary embodiment of the present invention, the bank transfer result information may include bank transfer history information (eg, bank transfer payment target account information, bank transfer payment amount information, and bank transfer payment amount). Account transfer fee information, account transfer date and time, affiliated merchant account information, etc.).

According to another exemplary embodiment of the present invention, when the bank transfer payment fails (for example, insufficient balance of the account for which the bank account is settled), the account transfer result information may include account transfer error information.

When the account transfer result information is generated by the transfer result generating unit, the transfer result transmitting unit transmits the generated account transfer result information to the bansa server 135 through the communication network.

When the bank transfer payment is successfully performed by the transfer payment processing unit, the storage unit stores the account transfer payment target account information, the account transfer payment amount information, the account transfer fee information for the account transfer payment amount, and the affiliated merchant account information. It is characterized in that in connection with the bank transfer management D / B.

FIG. 21 is a diagram illustrating a payment approval request process for preferential bank transfer payment for an affiliated merchant according to another exemplary embodiment of the present invention.

In more detail, FIG. 21 illustrates a client terminal 130 and a merchant server 115 on the card payment system shown in FIG. 20 based on a payment card 105 issued through the card issuing system shown in FIG. As the payment request server 120 illustrates a process of transmitting the full payment approval request to the bansa server 135 in connection with each other according to an online payment method (for example, assured click or secure payment), the technical field to which the present invention pertains. Persons having ordinary skill in the art may refer to and / or modify this drawing 21 to infer various implementation methods for the payment approval request process for preferential account transfer payment to the affiliated merchants. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the drawing 21 will be described for the convenience of generating the full payment approval request in the payment request server 120 to transmit to the bansa server 135, but the present invention is not limited by this, online payment method According to the transaction procedure of the transaction of the payment approval request full text (for example, a transaction process when the card reader is provided in the client terminal 130, etc.) can be applied in various modifications, the present invention is modified It is obvious that it is characterized by including all kinds of implementation methods.

In addition, the process of authenticating the online payment authentication information (or a part of the online payment authentication information) by the payment request server 120 according to the online payment method in FIG. 21 will be omitted for convenience.

Referring to FIG. 21, the client terminal 130 on the offline card payment system illustrated in FIG. 20 accesses the affiliated store server 115 through a communication network and selects at least one or more purchase target product (or service). A card payment is requested for the selected purchase target product (or service) (2100), and in response, the payment request server 120 transmits payment information for the purchase target product (or service) and the affiliate store server 115 ( Alternatively, a payment settlement interface (eg, a secure click interface or a secure payment interface) including merchant information corresponding to the payment request server 120 is provided to the client terminal 130 (2105).

Thereafter, the client terminal 130 corresponds to card information (not shown) corresponding to the payment card 105 issued through the card issuing system shown in FIG. 2 through the payment interface, and corresponds to the payment interface. Online payment authentication information (e.g., payment authentication information (e.g., assured click password and CVC code, or authorized certificate) according to the online payment method (e.g., secure click, secure payment, etc.), or card payment means) Enter the payment authentication information (for example, secure payment password) corresponding to (2110), and transmits the input card information (optional) and online payment authentication information to the payment request server 120 (2115).

According to another exemplary embodiment of the present invention, the client terminal 130 may further include the payment information and the affiliated store information and transmit the payment information to the payment request server 120, whereby the present invention is not limited thereto.

Thereafter, the payment request server 120 generates a full payment approval request message including the card information, online payment authentication information, payment information, and merchant information to communicate with the payment request server 120 and the bansa server 135. Through the transmission to the bansa server 135 through (2120).

22 is a diagram illustrating a payment method selection process for the payment card 105 according to another embodiment of the present invention.

In more detail, in FIG. 22, when the payment approval request message is received by the bansa server 135 through the payment approval request process shown in FIG. 21, the card included in the payment approval request message is received by the bansa server 135. The information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2, and the merchant information included in the full payment approval request text is prioritized over the payment attribute corresponding to the payment card 105. After confirming that the affiliated merchants are affiliated to process real time account transfer payment through the card information, the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2, and the affiliated store information is matched with the affiliated merchant information. When matched with, the payment corresponding to the full payment approval request through the real-time account transfer payment through the financial company rather than the payment attribute of the payment card 105 As a process for processing by shipment, those of ordinary skill in the art to which the present invention pertains, various modifications to the payment method selection process for the payment card 105 by referring to and / or modified in this figure 22 Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

In addition, in FIG. 22, the process of authenticating the online payment authentication information (or a part of the online payment authentication information) by the bansa server 135 according to the online payment method will be omitted for convenience.

Referring to FIG. 22, the full payment approval request is received by the bansa server 135 through the payment approval request process illustrated in FIG. 21 (2200).

According to the embodiment of the present invention, when the full payment approval request is encrypted and transmitted from the bansa server 135 through the encryption key of the bansa server 135, the bansa server 135 is the encrypted payment approval request It is desirable to decrypt the full text.

Then, the bansa server 135 checks the card information, payment information and merchant information included in the full payment approval request (2205), the BIN information corresponding to the payment attribute of the card information and the payment control D / B Comparing the BIN information for each payment attribute provided in the check to see if the card information matches the payment card 105 issued through the card issuing system shown in Figure 2 (2210).

According to the embodiment of the present invention, the bansa server 135 checks the BIN information included in the card information, checks the card attribute information associated with the card information in association with the card management D / B, and By checking the payment attribute information of the payment card 105 included in the card attribute information, it is preferable to check the BIN information for each payment attribute included in the card information.

When the BIN information for each payment attribute included in the card information is confirmed, the bansa server 135 compares the BIN information for each payment attribute included in the payment control D / B with the BIN information for each of the checked payment attributes and the card. It is preferable to check whether the information matches the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information for each payment attribute of the card information is matched with a payment card 105 issued through the card issuing system shown in FIG. 2 (2215), the bansa server 135 sends a full text of the payment approval request. Check the affiliated store information (eg, affiliated store number) included and compare the affiliated store information with the affiliated store information stored in the payment control D / B to give the merchant priority to the payment attribute corresponding to the payment card 105. Check whether the affiliate merchant affiliated to handle real-time account transfer payment through (2220).

If the card information is matched with the payment card 105 issued through the card issuing system shown in Figure 2, and the merchant information is confirmed as the affiliated merchant information (2225), the bansa server 135 is the Check the account information corresponding to the account transfer corresponding to the card information in connection with the transfer result management D / B, and cooperate with the affiliated merchant information in connection with the payment control D / B (or card management D / B). The merchant account information is checked (2230).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) with the financial institution server 100, an account transfer payment object corresponding to the card information in association with the transfer result management D / B The function of checking account information may be provided in the financial institution server 100.

Or, if the payment control D / B is also provided in the financial company server 100, the function to check the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B is the financial company server (100) It is possible to be provided in).

If the bank transfer payment target account information corresponding to the card information and the affiliated merchant account information corresponding to the affiliated merchant information are confirmed (2235), the bansa server 135 is identified through the account information verification unit through the communication network. The bank transfer payment target account information, payment amount information and the affiliated merchant account information confirmed through the account information checking unit are transmitted to the financial company server 100 corresponding to the bank transfer payment target account information to request real-time transfer payment ( 2240).

When the transfer result management D / B is provided (or linked) to the financial institution server 100 according to another exemplary embodiment of the present invention, the bansa server 135 may substitute the card information instead of the account information subject to payment transfer. It may be transmitted to the financial company server 100, and in this case, it is preferable that the financial company server 100 confirms the account information corresponding to the payment information corresponding to the card information in connection with the transfer result management D / B. .

Alternatively, when the payment control D / B is also provided in the financial company server 100, the bansa server 135 transmits the affiliated merchant information to the financial company server 100 instead of the affiliated merchant account information. In this case, it is preferable that the financial institution server 100 confirm the affiliated merchant account information corresponding to the affiliated merchant information in connection with the payment control D / B.

FIG. 23 is a diagram illustrating a process of processing a wire transfer payment prior to a payment attribute of a payment account according to another embodiment of the present invention.

More specifically, FIG. 23 shows that if the payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to the payment attribute of the corresponding payment account through the payment method selection process shown in FIG. Regarding the process of processing the wire transfer payment in the financial company server 100, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 23 than the payment attribute of the payment account It will be possible to infer various implementation methods for the process of the first payment transfer process, but the present invention includes all the implementation methods inferred, the technical features are limited only by the implementation method shown in FIG. Not.

Referring to FIG. 23, when the payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to the payment attribute of the corresponding payment account through the payment method selection process illustrated in FIG. 22, the financial institution The server 100 transfers payment account information corresponding to the card information of the payment card 105, payment amount information, and affiliated merchants in order to process the account transfer payment in preference to the payment attribute of the payment account through the communication network. The account information is received (2300).

According to another embodiment of the present invention, when the transfer result management D / B is provided (or linked) to the financial institution server 100, and the card information is received instead of the account information subject to the transfer payment, the financial institution server 100 ) Is preferably linked to the transfer result management D / B to check the account information for the account transfer payment corresponding to the card information.

Alternatively, if the payment control D / B is also provided in the financial company server 100, and the affiliated merchant information is received in place of the affiliated merchant account information, the financial company server 100 in conjunction with the payment control D / B It is preferable to confirm the affiliated merchant account information corresponding to the affiliated merchant information.

Thereafter, the financial institution server 100 connects to the financial system in which an account corresponding to the account transfer payment target account information is opened (for example, a system operated by a ledger corresponding to the account for payment transfer payment). The balance of the target account is checked (2305), and the balance of the confirmed account transfer payment target account is compared with the payment amount to determine whether to approve the payment transfer (2310).

If the bank transfer payment is not approved (2315), the financial institution server 100 generates the account transfer result information including the bank transfer payment error information and transmits it to the bansa server 135 (2320), the bansa The server 135 generates the full text of the payment approval result including the account transfer result information and transmits it to the payment request server 120 through the communication channel (2345). In response, the payment request server 120 The payment approval result message is transmitted to the affiliated server server 115 and the client terminal 130 at step 2350.

On the other hand, when the bank transfer payment is approved (2315), the financial institution server 100 withdraws the amount corresponding to the payment amount from the bank transfer payment target account (2325), the withdrawn The settlement amount obtained by subtracting the account transfer fee from the amount is transferred to the affiliated merchant account to settle payment (2330).

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Subsequently, the financial institution server 100 stores the account transfer target account information, the account transfer payment amount information, the account transfer fee information for the account transfer payment amount, and the affiliated merchant account information and stores them in the account transfer management D / B. (2335).

Thereafter, the financial institution server 100 generates account transfer result information including the account transfer history and transmits it to the bansa server 135 (2340), and the bansa server 135 includes the account transfer result information. The payment approval result is generated and transmitted to the payment request server 120 through the communication channel (2345). In response, the payment request server 120 is the merchant server 115 and the client terminal 130 The payment approval result is transmitted and output (2350).

24 is a diagram illustrating a payment approval process according to a payment attribute of a payment account according to another embodiment of the present invention.

In more detail, FIG. 24 shows that the payment method for the payment card 105 is selected as the payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process shown in FIG. In accordance with the payment attribute of the payment card 105 in the process for the approval process for the requested payment through the full payment approval request (or payment approval request information), the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various implementation methods for the payment approval process according to the payment attribute of the payment account by referring to and / or modified in this figure 24, the present invention comprises all the implementation methods inferred The technical features are not limited only to the implementation method shown in FIG.

In addition, the process of authenticating the online payment authentication information (or part of the online payment authentication information) by the card company server 140 according to the online payment method in FIG. 24 will be omitted for convenience.

Referring to FIG. 24, when the payment method for the payment card 105 is selected as the payment method corresponding to the payment attribute of the corresponding payment account through the payment method selection process illustrated in FIG. 22, the bansa server 135 Reads the confirmed card information to check the card company server 140 to transmit the full payment approval request message (2400).

According to an embodiment of the present invention, the bansa server 135 reads the BIN of the card information included in the payment approval request text, and confirms the card company server 140 to which the payment approval request text is relayed. .

If the card company server 140 that relays the payment approval request message is confirmed (2405), the bansa server 135 transmits the payment approval request message to the confirmed card company server 140 (or the payment approval request message). The payment approval request information including the card information, payment information, and merchant information included) is relayed and transmitted (2410).

Thereafter, the card company server 140 receives the full payment approval request message (or payment approval request information) from the bansa server 135 (2415), and is provided in association with the card information in the card management D / B. The payment approval limit amount for each payment attribute corresponding to the card limit information is checked (2420).

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 may provide credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may be assigned to the card limit information. It is preferable to check the included linked account information and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment approval limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 140 charges the amount of money included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

If the payment approval limit amount for each payment attribute of the payment card 105 is confirmed (2425), the card company server 140 may complete the payment approval request text (or payment approval request information) based on the confirmed payment approval limit amount. The payment approval for each payment attribute for the payment amount included in) is processed (2430).

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 is linked with the payment history D / B for a certain period of time. While confirming the cumulative payment approval amount approved through the payment card 105, adding the confirmed cumulative payment approval amount and the payment amount included in the payment information, and adding the sum and the confirmed payment approval. It is preferable to check the payment authorization or payment error for the payment amount by comparing the limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may limit the payment approval. It is preferable to check the payment approval or payment error for the payment amount by comparing the amount (eg, the balance of the linked account) with the payment amount included in the payment information.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, prepaid card payment attribute), the card company server 140 may charge the payment approval limit amount (eg, charge). Amount) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 140 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (2435), the card company server 140 generates payment approval result information (or full payment approval result) including payment error information to the bansa server. In operation 2440, the bansa server 135 transmits the full payment approval result including the payment error information through a communication channel connected to the payment request server 120. The payment request server 120 transmits the full payment approval result to the affiliated store server 115 and the client terminal 130 to be output (2450).

On the other hand, if the payment approval for each payment attribute is confirmed as a result of the payment approval process (2435), the card company server 140 generates a payment processing history including the payment approval result (2455).

Here, the payment processing details preferably include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment.

Thereafter, the card company server 140 generates payment approval result information (or full payment approval result) including the payment processing details and transmits the generated payment approval result information to the bansa server 135 (2460). 135 transmits the full payment approval result including the payment processing history to the payment request server 120 through a communication channel connected to the payment request server 120 (2445), and correspondingly, the payment request server 120 ) Transmits the entire payment approval result to the affiliated store server 115 and the client terminal 130 to be output (2450).

In addition, the card company server 140 generates payment information including at least one or more card information included in the generated payment processing history, payment approval date, payment approval amount, merchant information and payment approval information (2465). In operation 2470, the payment history information is stored in the payment history D / B.

FIG. 25 is a diagram illustrating a functional configuration of a payment terminal 110 that supports preferential bank transfer payment processing for affiliated affiliates according to an embodiment of the present invention.

In more detail, FIG. 25 is a payment terminal 110 provided at an affiliated store corresponding to a payment card 105 issued through the card issuing system shown in FIG. 2, and the memory unit shown in FIG. 2550 stores the affiliated merchant information corresponding to the information of the affiliated merchants registered in the affiliated merchant information in the memory unit 2550 and pays for the payment card 105 issued through the card issuing system shown in FIG. When the card information is read from the customer card through the card reader included in the payment terminal 110 after storing the attribute information and the BIN information for each payment attribute in the memory unit 2550, the BIN included in the card information. Read the information to confirm that the card corresponding to the card information is a payment card 105 issued through the card issuing system shown in FIG. 2, and if the card information matches the payment card 105, the Priority to the card payment according to the payment attribute corresponding to the payment card 105, a full text for real-time account transfer payment processing through a financial company is generated and transmitted to the financial company server 100, the card information is the payment card 105 ) Does not match, generates a full text corresponding to the payment attribute (for example, postpaid, debit, prepaid) corresponding to the payment card 105 and transmits to the card company server 140 through the bansa server 135 One embodiment of a payment terminal 110 having a functional configuration to process the card payment, if the person of ordinary skill in the art to which the present invention belongs, refer to or modify this figure 25 to the cooperation Various implementation methods for the functional configuration of the payment terminal 110 that supports preferential account transfer payment processing for the merchant may be inferred, but the technical features of the present invention are shown in FIG. Not limited by the 25, bayida put out that that includes all the embodiments in which the inference method.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may read the BIN information included in the card information in the payment terminal 110 shown in FIG. Check whether the payment card 105 issued through the card issuing system shown in FIG. 6, and if the card information matches the payment card 105, the card payment according to the payment attribute corresponding to the payment card 105 is preferred. The client terminal 130 (or the payment request server 120) that generates the full text in the online payment system is configured in the technical configuration for generating a full text for real-time account transfer payment processing through the financial company to the financial company server 100 It will be possible to infer an implementation method provided in the above, the preferred account transfer payment processing function for the affiliated merchants in addition to the payment terminal 110 shown in FIG. Bayida put out to clarify that it is possible to apply to the means of the online payment system that creates a professional.

Referring to FIG. 25, the payment terminal 110 basically includes a control unit 2505, a memory unit 2550, a card reader unit 2510, a key input unit 2520, a screen output unit 2515, and a communication processing unit 2530. ) And a security application module 2535, a print output unit 2540, and a power supply unit 2525 for supplying power to the payment terminal 110, and at least one terminal functional unit according to the intention of a person skilled in the art ( Omission).

The control unit 2505 controls the overall operation of the payment terminal 110 in the functional configuration, manages the flow of information or data between each component, and the payment terminal 110 for the preferred account transfer payment function for the affiliated merchants. At least one processor and an execution memory (for example, a register or a hardware) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware and at least one component provided with each other. RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and the execution from the predetermined recording medium in order to perform a function specific to the payment terminal 110 by software Any program routine or program data that is loaded into memory and computed by the processor (Thus, a predetermined program recorded on the recording medium provided in the payment terminal 110 for the preferential account transfer payment function for the affiliated merchant, or a software configuration among the functional configuration provided in the payment terminal 110. A component capable of processing is shown in the control unit 2505).

According to the exemplary embodiment of the present invention, the control unit 2505 outputs a component (eg, the memory unit 2550, the card reader unit 2510, the key input unit 2520, and a screen) provided in the payment terminal 110. The payment unit 110 is interworked with the communication unit 2515, the communication processing unit 2530, the security application module 2535, the print output unit 2540, or a terminal function unit (not shown) according to the intention of a person skilled in the art. Control and manage the provision of the defined electronic payment service, as well as mutually control the components provided in the payment terminal 110 for preferential account transfer payment service for affiliated merchants according to the present invention, or It is preferable to execute a program recorded in a recording medium provided in the payment terminal 110 for the preferred bank transfer payment service for the affiliated merchant.

The memory unit 2550 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 110 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 required for the control unit 2505 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is done.

According to the exemplary embodiment of the present invention, the memory unit 2550 preferably stores affiliated affiliate store information corresponding to its affiliated store information among the affiliated store affiliate information registered in the memory unit 2550 illustrated in FIG. 2.

In this case, the affiliated merchant information may be settled by a financial company prior to card payment according to a payment attribute corresponding to the payment card 105 when the card is paid through the payment card 105 issued through the card issuing system shown in FIG. It comprises the affiliated merchant identification information (for example, merchant number) for identifying the merchant to handle real-time account transfer payment through, and affiliated merchant account information for the affiliated merchant for real-time account transfer payment through the financial company desirable.

According to an embodiment of the present invention, the memory unit 2550 stores the payment attribute information corresponding to the payment card 105 issued through the card issuing system shown in FIG. 2 in association with the BIN information for each payment attribute. Preferably, when the payment attribute for the payment card 105 can be confirmed through the BIN information according to the intention of the person skilled in the art (for example, when different BIN information is included for each payment attribute), the memory unit 2550 ) May store preferential bank transfer payment processing BIN information instead of the payment attribute information and BIN information for each payment attribute, and the present invention is not limited thereto.

Here, the payment attribute information is information for specifying payment attributes (eg, postpaid, debit, prepaid, etc.) of the payment card 105 issued to the customer through the card issuing system shown in FIG. The payment card 105 is preferably issued including any one of the payment attributes.

For example, when the payment attribute information includes a postpaid attribute, the payment card 105 is preferably issued including a credit card attribute, and when the payment attribute information includes a debit attribute, the payment card Preferably, 105 is issued including a check card / debit card attribute. When the payment attribute information includes a prepaid attribute, the payment card 105 is issued including a prepaid rechargeable card attribute. desirable.

In addition, the BIN information for each payment attribute confirms the card issuing institution (or card company) and the card type of the payment card issued through the card issuing system shown in FIG. It is preferable to include a four-digit (or six-digit) identification number that can be confirmed more about the payment attribute information.

According to an embodiment of the present invention, when the account transfer payment account associated with the card information corresponding to the payment card 105 is opened in only one financial company (for example, a bank), it is stored in the memory unit 2550. The BIN information for each payment attribute may be used for checking a bank in which a payment target account is opened in a payment terminal 110 provided at an affiliated merchant, and for this purpose, the BIN information is used for the payment target account. It is desirable to store the information of the financial institution established in conjunction more.

According to another embodiment of the present invention, when the account transfer payment account associated with the card information corresponding to the payment card 105 is opened only in a plurality of financial companies (for example, banks), it is stored in the memory unit 2550. The BIN information for each payment attribute may include information for identifying a bank in which the account for which the direct payment is settled, or a plurality of financial institutions for opening the account for the direct payment in response to one payment attribute. It is preferable that the BIN information is included. For this purpose, the BIN information is preferably stored in association with each financial company information in which the bank transfer payment target account is opened.

The customer receiving preferential bank transfer payment service for the affiliated merchant according to the present invention through the payment terminal 110 is based on an MS / Magnetic Stripe (MS) card or an ISO / IEC 7816 standard based on the ISO / IEC 7810 standard. Possesses (or owns) a payment card 105 including at least one contact IC card (or wireless IC chip) or a contactless IC card (or wireless IC chip) based on ISO / IEC 14443 standard, The card reader unit 2510 may provide an interface for reading card information included in the payment card 105.

According to an embodiment of the present invention, the card reader unit 2510 may provide an MS reader unit that provides an interface between the MS card and the payment terminal 110, or an interface between the contact IC card and the payment terminal 110. 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 110.

The MS reader unit is a card reader unit 2510 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 in that the card information is interfaced to the payment terminal 110 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 2510 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 the power to the IC chip of the IC card through the contact point, and the card information from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) payment terminal ( 110) characterized in that the interface.

The contactless IC reader unit is a card reader unit 2510 based on ISO / IEC 14443. At least one contactless IC card may be in electrical contact with a contactless IC card by 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 the card information from the IC chip to the payment terminal 110 through the half-duplex transaction using the APDU Interfacing.

According to an exemplary embodiment of the present invention, the card reader 2510 may provide predetermined card information (eg, a payment card (eg, payment card) from at least one or more card readers 2510 for the electronic payment service defined in the payment terminal 110. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, check card, debit card, prepaid card provided in 105).

The card information may include 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 payment card 105. Preferably, the first four digits (or six digits) of the card number include BIN information for each payment attribute corresponding to the payment card 105.

The key input unit 2520 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 device and detected from a predetermined key button provided in the key input device in a specific input mode or operation mode of the payment terminal 110 controlled by the controller 2505. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 2505. Acquires predetermined key data corresponding to the key event in the current input mode or operation mode of the payment terminal 110, or executes a predetermined function that is matched with the key event. It is characterized in that for obtaining instruction. The key input unit 2520 and the key input device having at least one key button interwork with each other to perform a function of a key input unit provided in the payment terminal 110.

The key input device that is interlocked with the key input unit 2520 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 the exemplary embodiment of the present invention, the key input unit 2520 may include key data (eg, a payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal 110. It is preferable to perform the function of the key input means for receiving the).

The screen output unit 2515 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the control unit 2505 while the payment terminal 110 performs a predetermined function (for example, an electronic payment processing function). At least one information or data which is predefined or is defined in real time to be output to a predetermined output device including a) through a predefined interface screen, the screen output unit 2515 and the screen Output devices interoperate with each other to perform the function of screen output means provided in the payment terminal 110.

The predefined information or data to be output from the payment terminal 110 to the screen output device may be provided by key data input through the key input unit 2520 or a component included in the payment terminal 110. At least one of information (or data) stored or generated, information (or data) transmitted / received through the communication processor 2530, or information (or data) corresponding to a predetermined operation result performed by the payment terminal 110. This includes the above.

According to a preferred embodiment of the present invention, the screen output unit 2515 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 110 It is preferable to perform the function of the output means.

The communication processing unit 2530 includes a network communication unit connecting a communication channel with the bansa server 135 through a predetermined communication network in the process of the payment terminal 110 performing a predetermined function (for example, a card payment processing function). A cable communication unit for connecting a communication session with a predetermined terminal (or device) located at a short distance with the affiliated store terminal through a predetermined cable communication port, or at least one short range wireless communication according to an intention of a person skilled in the art And a short-range wireless communication unit for connecting a predetermined communication session with a predetermined short-range communication terminal (or device) device located at a short distance by means of the affiliated store terminal, and means for the communication channel (or communication session) by software. It comprises a communication protocol or driver for connecting.

The network communication unit includes a wired communication network including at least one or more xDSL-based wired communication network, public switched telephone network (PSTN), intelligent network and Ethernet, or code division multiple access (CDMA) / WCDMA. (Wide-CDMA) based mobile communication network, HSDPA (High-Speed Downlink Packet Access) based wireless communication network, IEEE 802.16x based wireless communication network including at least one or more through a wireless communication network including a communication channel for connecting the communication channel (135) And a modem or a network interface card (NIC) for connecting the payment terminal 110 to the communication network in hardware, and the payment terminal 110 in software. It includes a communication protocol or a driver for connecting to the communication network.

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

The security application module 2535 (SAM) is a confidentiality or authentication or integrity required by the payment terminal 110 to perform 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 110 without using an authentication server (or bansa server 135) on the payment network. As a safety device, the payment terminal 110 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, an electronic payment 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. A characterized in that it performs.

In general, the security application module 2535 is preferably composed of a predetermined security application module 2535 inserter and security application module 2535 chip, the security application module 2535 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 2535 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 110 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) It is preferable to comprise a).

The print output unit 2540 prescribes the card information (eg, payment processing result information or data) that is generated as a result of, or as a result of, the payment terminal 110 performing a predetermined function (for example, an electronic payment processing function). And a printing protocol and a driver for printing the print information or data through the printing device 2545 in accordance with a predefined printing form. It is made to include.

Referring to FIG. 25, when the card is settled using the payment card 105 issued through the card issuing system shown in FIG. In order to provide a transfer payment service, the payment terminal 110 reads and inputs card information from a customer card in association with the card reader unit 2510, and provides payment information (eg, in connection with the key input unit 2520). Check the BIN information included in the read card information when reading the card information from the customer card through the information input unit 2555 for key input of a payment amount, an installment month, etc.) and the card reader 2510 The card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2 by comparing the checked BIN information with BIN information for each payment attribute provided in the memory unit 2550. An information check unit 2560 for checking whether the card information matches the payment card 105 and the account information including the card information, payment information, and affiliated merchant information (eg, affiliated merchant account information). Generate a full text payment request, and if the card information does not match the payment card 105, create a full text for generating a payment approval request text including the card information, payment information and merchant information (eg, merchant number) It is characterized by comprising a portion (2565).

When card information is read from a customer card through the card reader unit 2510, the information input unit 2555 may digitize and process the read card information so as to be included in the full text.

In addition, when the payment information is input through the key input unit 2520, the information input unit 2555 may digitize and input the payment information to include the key input payment information in the full text.

When the card information read through the card reader unit 2510 is input, the information checking unit 2560 compares the BIN information included in the read card information with the BIN information stored in the memory unit 2550. It is characterized in that the BIN information included in the card information matches with the payment card 105 issued through the card issuing system shown in FIG.

If the BIN information included in the read card information is matched with the BIN information stored in the memory unit 2550, the information checking unit 2560 displays the customer code corresponding to the card information including the BIN information. Characterized in that it checks with the payment card 105 issued through the card issuing system shown in 2.

On the other hand, if the BIN information included in the read card information does not match the BIN information stored in the memory unit 2550, the information checking unit 2560 may read the customer code corresponding to the card information including the BIN information. The card issuing system shown in Figure 2 is characterized in that it is confirmed as a general card not issued.

If the customer card corresponding to the read card information is confirmed as the payment card 105 issued through the card issuing system shown in FIG. 2, as a result of the check by the information confirming unit 2560, the full text generation unit 2565 ) Is characterized in that for generating a full account transfer payment request including the card information, payment information and merchant information.

According to an embodiment of the present invention, when the affiliated merchant account information for the affiliated affiliate store is provided in the financial institution server 100 (for example, when the payment control D / B is provided in the financial institution server 100), the The affiliated merchant information included in the full payment transfer request request is preferably made to include a merchant number associated with the affiliated merchant account information.

According to another exemplary embodiment of the present invention, when the affiliated merchant account information for the affiliated affiliate store is not provided in the financial institution server 100 (for example, when the payment control D / B is not provided on the financial institution server 100). ), The affiliated merchant information included in the full payment transfer request request includes the affiliated merchant account information.

According to another embodiment of the present invention, when the payment card 105 is an IC card and the IC card is provided with the account information for the account transfer for the card information, the full text generation unit 2565 is the card reader. It is possible to read the account transfer payment target account information from the payment card 105 in association with the unit 2510, and generate a full account transfer payment request message including the account transfer payment target account information instead of the card information. The present invention is not limited thereto.

On the other hand, if the customer card corresponding to the read card information is confirmed as a general card instead of the payment card 105 as a result of the check by the information confirmation unit 2560, the full text generation unit 2565 corresponds to the BIN information Check payment attribute information, and generate a payment approval request text for processing a card payment according to the payment attribute, wherein the payment approval request text is the card information, payment information, and merchant information (eg, merchant number); It is preferable to comprise).

Referring to FIG. 25, when the full transfer payment request message is generated by the full text generation unit 2565, the payment terminal 110 connects the generated transfer payment request with the communication processing unit 2530. Specialized transmission unit (2570) for transmitting the full text to the financial institution server 100 through the communication network, and a special text for receiving the full account transfer payment results including the account transfer result information from the financial company server 100 in connection with the communication processing unit Check the account transfer result information included in the receiver 2575 and the received full account transfer result, and output the account transfer result information in conjunction with the screen output unit 2515 or the print output unit It is characterized in that it comprises a specialized processing unit (2580) for printing the account transfer result information in connection with (2540).

When the full payment transfer request is generated by the full text generation unit 2565, the full text transfer unit 2570 is linked to the memory unit 2550 to the BIN information of the card information included in the full text transfer payment request. Check the corresponding financial company server 100, and in connection with the communication processing unit 2530 characterized in that for transmitting the full account transfer payment request generated above to the identified financial company server 100 through a communication network.

According to another exemplary embodiment of the present invention, when the Bansa server 135 is provided with a function of reading the card information included in the full transfer payment request message and confirming the financial company information to relay the full transfer payment request request, The professional transmission unit 2570 may transmit the full bank transfer payment request message to the bansa server 135. In this case, the bansa server 135 reads the card information included in the full bank transfer payment request message. The financial institution server 100 in which the account transfer payment target account corresponding to the card information is opened is checked, and the entire bank transfer payment request message is relayed to the confirmed financial institution server 100.

After the bank transfer payment request text is transmitted to the financial institution server 100 by the specialized transmission unit 2570, the financial institution server 100 performs an account transfer payment corresponding to the bank transfer payment request text, The bank transfer payment result including the bank transfer result information is transmitted. In response, the bank transfer payment unit 2575 includes an account transfer result information from the financial institution server 100 in association with the communication processing unit. The result is to receive the full text.

When the bank transfer payment is successfully performed by the financial institution server 100 according to the exemplary embodiment of the present invention, the full payment transfer result may preferably include account transfer history information corresponding to the transfer. .

According to another exemplary embodiment of the present invention, when the bank transfer payment fails in the financial institution server 100 (for example, insufficient balance of the account for which the bank account is settled), the full account transfer payment result may be an account transfer corresponding to the account transfer. It is preferable to include error information.

When the full payment payment result is received through the full text receiver 2575, the full text processor 2580 transfers account transfer result information (eg, account transfer history information or account) included in the full text of the received money transfer payment result. Transfer error information), and outputs the wire transfer result information in connection with the screen output unit 2515 or prints and outputs the wire transfer result information in connection with the print output unit 2540. Characterized in that.

Referring to FIG. 25, when the payment approval request full text is generated by the full text generation unit 2565, the payment terminal 110 connects the generated payment approval request full text in association with the communication processing unit 2530. A professional transmission unit 2570 for transmitting to the bansa server 135 through a communication network, and a professional receiving unit 2575 for receiving a payment approval result text including payment processing details from the bansa server 135 in connection with the communication processing unit. And confirm payment processing details included in the received payment approval result text in full, and output the payment processing details in connection with the screen output unit 2515 or in connection with the print output unit 2540. Characterized in that it comprises a specialized processing unit (2580) for printing out the payment processing details.

When the payment approval request message is generated by the text generation unit 2565, the text transmission request unit 2570 is connected to the communication processing unit 2530 to the bansa server 135 through the communication network to generate the payment approval request. Characterized in that the transmission of the full text.

After the payment approval request text is transmitted to the bansa server 135 by the specialized transmission unit 2570, the bansa server 135 is linked to the card company server 140 to correspond to the payment approval request text message. Perform a payment, and transmit the full text of the payment approval result including the payment processing details for the card payment, and in response, the full text receiving unit 2575 is connected to the communication processing unit from the bansa server 135 in the payment processing history Characterized in that it receives the full payment approval result.

According to an embodiment of the present invention, when the card payment is successfully performed in the bansa server 135, the full payment approval result card information about the payment approval payment card 105, payment approval date and time, payment It is preferable to include at least one or more approval amount, merchant information and payment approval information.

According to another exemplary embodiment of the present invention, when the card payment fails in the bansa server 135 (for example, insufficient balance of the account for which the card is settled), the full payment approval result is determined by the card information of the payment card 105. Preferably, at least one payment error information is included.

When the payment approval result full text is received through the full text receiver 2575, the full text processor 2580 checks the details of payment processing included in the full text of the received payment approval result and associates with the screen output unit 2515. And output the payment processing details on the screen or print and output the payment processing details in association with the print output unit 2540.

FIG. 26 is a diagram illustrating a configuration of a card payment system for processing preferential account transfer payments for affiliated affiliates in a payment terminal 110 according to an embodiment of the present invention.

In more detail, FIG. 26 illustrates a case in which a card is settled through a payment terminal 110 provided at an affiliated store shown in FIG. 25 using a payment card 105 issued through the card issuing system shown in FIG. When the payment terminal 110 generates and transmits the full payment transfer request, the financial institution server 100 receives the full payment transfer request from the financial institution and processes the payment as a transfer payment, and the payment terminal 110 approves the payment. In the technical field to which the present invention pertains, the request message is transmitted, and the card payment system receives the payment approval request message from the bansa server 135 and relays the card company server 140 to process the card payment. Those skilled in the art can refer to and / or modify this drawing 26 to provide various implementations of a card payment system for processing preferential account transfer payments for the affiliated merchants. The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

For example, FIG. 26 illustrates the technical features of the present invention in detail through an implementation method in which the transfer payment management D / B on the card issuing system shown in FIG. According to the embodiment of the present invention, the transfer payment management D / B may be omitted from the financial institution server 100, and the present invention is not limited thereto.

Referring to FIG. 26, a card payment system for processing preferential bank transfer payment for the affiliated affiliated store includes a payment terminal 110 included in the affiliated affiliated store including the functional configuration shown in FIG. 25, and shown in FIG. 2. Issuing the payment card 105 through the issued card issuing system, the card company server 140 for processing the payment approval through the payment card 105 and the payment terminal 110 payment approval request for the card payment processing When the full message is transmitted, the billing approval request message is received and relayed to the card company server (140). When the payment terminal 110 transfers the full payment transfer request request, the financial institution server 100 for processing the transfer payment corresponding to the full payment transfer request request is characterized in that it comprises a It shall be.

Although the card company server 140 is illustrated as one server in FIG. 26 for convenience, this is only an exemplary method for efficiently describing the technical features of the card company server 140 in the present invention, and the intention and card payment of those skilled in the art. According to the system implementation method, the card company server 140 will be apparent that it may be implemented in the form of a system consisting of a plurality of servers for each functional component.

In addition, although the bansa server 135 is also illustrated as one server in FIG. 26 for convenience, this is only an exemplary method for efficiently describing the technical features of the bansa server 135 in the present invention, According to the card payment system implementation method, it is apparent that the bansa server 135 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The payment terminal 110 is characterized in that it comprises at least one CAT (Credit Authorization Terminal) provided in the merchant, or at least one point of sales (POS) terminal provided with a payment function.

According to an embodiment of the present invention, the payment terminal 110 includes at least one card reader for card payment processing, reads card information from the payment card 105 through the card reader, and a key input device. After inputting payment information (eg, payment amount, installment months, etc.), a card corresponding to the card information using the BIN information included in the card information is obtained through the card issuing system shown in FIG. It is preferable to check whether the payment card 105 has been issued.

If the card corresponding to the check result is confirmed as the payment card 105, the payment terminal 110 is a full account transfer payment request for processing the payment amount contained in the payment information by bank transfer payment It is preferable to generate and transmit to the financial institution server 100 through a communication network.

On the other hand, if the card corresponding to the card information is confirmed as a result of the check, the payment terminal 110 the payment amount included in the payment information payment properties of the card (for example, postpay, debit, prepaid) It generates a payment approval request message for processing by the card payment corresponding to the) and transmits to the bansa server 135 through the communication network.

The bansa server 135 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, the IEEE 802.16x-based portable Internet and the like through a public communication network including at least one terminal connected to the payment terminal 110 provided in the merchant, x.25 based communication network, encryption / It is characterized in that the connection between the payment terminal 110 and the card company server 140 by connecting a communication channel with the card company server 140 through a dedicated communication network including at least one decryption-based communication network.

According to the embodiment of the present invention, the bansa server 135 receives the payment approval request text encrypted with the bansa encryption key from the payment terminal 110, and decrypts the payment approval request text with the decryption key of bansa, The card information included in the decrypted payment approval request text is read to confirm a card company server 140 to which the payment approval request text is transmitted by reading a bank identification number (BIN), and the payment approval request text (or the payment approval request). It is preferable to encrypt the card information included in the preamble and payment approval request information including payment information and merchant information) with an encryption key that can be decrypted by the confirmed card company server 140 and then transmitted to the card company server 140. .

The card company server 140 issues the payment card 105 through the card issuing system shown in FIG. 2 and based on the card information included in the payment approval request message received from the bansa server 135. Check the payment authorization limit amount (for example, credit limit or balance of the linked account) for the payment card 105, and approve payment for the payment amount included in the payment information through the payment approval limit amount. Characterized in that.

According to the embodiment of the present invention, the card company server 140 is a payment approval request full text (or card information included in the payment approval request full text) encrypted with the encryption key of the card company server 140 from the bansa server 135 Payment approval request information including information and affiliated store information) is preferably received and decrypted to check card information, payment information, and merchant information included in the full payment approval request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 140 is authorized for payment for a payment approval limit amount (for example, the credit limit amount) for the payment card 105 and for a predetermined period of time. By confirming the cumulative payment approval amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount, the payment approval limit amount is If it is larger than the summed amount, it is preferable to approve the payment.

According to another embodiment of the present invention, when the card information is a check card, the card company server 140 checks the payment approval limit amount (for example, the balance of the linked account) for the payment card 105, By comparing the payment approval limit amount with the payment amount included in the payment information, when the payment approval limit amount is larger than the payment amount, it is preferable to approve the payment.

When the payment terminal 110 transmits the full payment transfer request, the financial institution server 100 receives the full payment transfer request through the communication network, and corresponds to the card information included in the full payment transfer request request It is characterized in that the account transfer payment target account information is checked, and the payment amount is processed as a bank transfer payment through the confirmed account transfer payment target account.

Those skilled in the art to which the present invention belongs, the technical features of the payment terminal 110, bansa server 135, card company server 140 and financial company server 100 that operates as described above. Since it will be familiar with, more detailed description thereof will be omitted for convenience.

Referring to FIG. 26, the bansa server 135 may include an interface unit 2600 for connecting and managing a communication channel with a payment terminal 110 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. The professional receiving unit 2605 for receiving the payment approval request message through the communication channel in association with the unit 2600 and the card information included in the received payment approval request message is read to read the payment approval request message (or payment approval). An information checking unit 2615 for checking the card company server 140 to relay the request information), and an information transmitting unit for transmitting the full payment approval request message (or payment approval request information) to the confirmed card company server 140 ( 2620, an information receiving unit 2625 for receiving payment approval result information (or payment approval result full text) including payment processing details corresponding to the full payment approval request message from the card company server 140, and an interface; It is characterized in that it comprises a specialized transmission unit 2610 for transmitting the payment approval result full text including the payment processing details to the payment terminal 110 through a communication channel in conjunction with the second part (2600).

The interface unit 2600 transmits and receives specialized payment-related transmission and payment to the payment terminal 110 provided in the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 135 and the payment terminal 110 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

After reading the card information from the payment card 105 through the card reader in the payment terminal 110 connected to the communication channel and inputting payment information (eg, payment amount, installment months, etc.) through the key input device. When the payment approval request message including the card information, payment information, and the affiliate store information is generated and transmitted through a communication network, the specialized receiving unit 2605 is connected to the interface unit 2600 from the payment terminal 110. Characterized in that receiving the full payment approval request.

If the payment approval request message is encrypted and transmitted by the payment terminal 110 through the encryption key of the bansa, the message receiving unit 2605 preferably decrypts the encrypted payment approval request message.

When the payment approval request message is received, the information checking unit 2615 reads the BIN from the card information included in the payment approval request message, and transmits the payment approval request message (or payment approval request information) to be relayed. Information].

When the [card company information] to which the payment approval request message (or payment approval request information) is relayed is confirmed by the information checking unit 2615, the information transmitting unit 2620 includes the bansa server 135 and the card company. The payment approval request message (or payment approval request information) is transmitted to the card company server 140 through a communication channel connected between the servers 140.

Thereafter, the card company server 140 performs a payment approval procedure corresponding to the full payment approval request message (or payment approval request information), and responds to the full payment approval request message (or payment approval request information) through the communication channel. The payment approval result information (or full payment approval result) including the payment processing history is transmitted, wherein the information receiving unit 2625 is the payment approval result information (or payment approval) from the card company server 140 through the communication channel. To receive the full text of the result).

According to an embodiment of the present invention, if the payment corresponding to the payment approval request full text (or payment approval request information) is approved by the card company server 140, the payment approval result information (or payment approval result full text) is included. The payment processing details may include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 for which payment has been approved.

According to another embodiment of the present invention, when the payment corresponding to the payment approval request full text (or payment approval request information) is not approved in the card company server 140, the payment approval result information (or payment approval result full text) The payment processing history included in the payment card 105 preferably comprises at least one card information and payment error information.

When the payment approval result information (or the payment approval result full text) is received from the card company server 140, the professional transmission unit 2610 is connected to the interface unit 2600 to transmit the payment processing details through the communication channel. Characterized in that it transmits the payment approval result full text to the payment terminal 110, wherein the interface unit 2600 is a process for verifying that the payment approval result is transmitted to the payment terminal 110. It is preferable to carry out more.

According to the present invention, the card company server 140 corresponds to the customer information issued with the payment card 105 and the payment card 105 issued to the customer through the card issuing system shown in FIG. Or a card management D / B for linking and storing card information, card attribute information and card limit information, or interworking with a DBMS operating the card management D / B, or having the card management D / B. It is preferable to link with a DB server (not shown).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number) of the customer who issued the payment card 105 through the card issuing system shown in Figure 2, E-mail address, etc.) and at least one member information (eg, member ID information) of the customer.

Preferably, the card information includes a card number corresponding to the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and additionally, the card issuing institution information (eg, card issuance). Organization number (or code)) and card type information (for example, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 105 is preferably made.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 105 issued to the customer through the card issuing system shown in FIG. 2, and the payment card ( It is preferable that the loyalty attribute including a mileage accrual policy for 105 and at least one or more additional service attributes associated with the payment card 105 are included.

The card limit information may be used to process payment approval for a payment amount requested through the payment card 105 according to a payment attribute (eg, postpaid, debit, or prepaid) of the payment card 105. It is preferable to include information for confirming the payment approval limit amount.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may include credit limit amount information about the payment card 105. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may be different from the payment card 105. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the payment card 105. It is preferable to include information.

According to the present invention, the card company server 140, when the payment is approved through the payment card 105 through the card issuing system shown in FIG. It is preferable to provide, or to interlock with a DBMS operating the payment history D / B, or to work with a DB server (not shown) provided with the transaction history card management D / B.

Here, the payment history information, card information for the payment card 105 approved for payment, payment approval date, payment approval amount, merchant information and payment approval information preferably comprises at least one or more.

The card information is information that matches card information provided in the card management D / B, and preferably includes a card number, and the card management D / B and the payment history D / B through the card information. Is preferably linked in relational form.

The payment approval date and time, it is preferable that the card company server 140 includes the date and time of payment approval processing of the payment amount through the payment card 105.

The payment approval amount is preferably made of the payment information through the payment card 105 in the card company server 140, the payment information, it is settled to the affiliated stores of the approved payment amount in accordance with the intention of those skilled in the art It is preferable to further include the settlement amount information to be processed.

The affiliated store information is information for identifying an affiliated store that has requested payment approval for the payment amount through the payment card 105, and the affiliated store information includes affiliated store information (or affiliated store code) included in the full payment approval request message, and It is preferable that the payment is made to include the account information of the merchant to settle the settlement of the payment amount.

The payment approval information may include a payment approval number assigned by the card company server 140 when the payment is approved through the payment card 105.

Referring to FIG. 26, the card company server 140 may be connected to the communication unit 2698 for connecting and managing a communication channel with the bansa server 135 through a communication network (for example, a dedicated communication network), and the communication unit 2698. Receiving unit (2675) for receiving the payment approval request full text (or payment approval request information) from the bansa server 135, and the card information included in the received payment approval request full text (or payment approval request information) If the card information is matched with the card information confirmation unit 2685 for confirming that the card information issued through the card issuing system shown in Figure 2 and the card information is matched, and confirms the payment authorization limit corresponding to the card information, A payment approval processing unit (2690) that approves payment for the payment amount included in the payment approval request text (or payment approval request information) through the confirmed payment approval limit amount; and the payment approval result A history generation unit 2695 for generating a payment processing history including a generation unit, a generation unit 2696 for generating payment approval result information (or a full payment approval result) including the payment processing history, and the communication unit 2698; And a transmission unit 2680 for transmitting the generated payment approval result information (or full payment approval result) to the bansa server 135 through the communication channel. When the payment is approved by 2690, an information storage unit 2697 for storing the payment history information included in the payment processing history in the payment history D / B is further provided.

The communication unit 2698 connects a communication channel for transmitting / receiving a full-text (or information) related to payment with the bansa server 135 through a communication protocol corresponding to the communication network connecting the card company server 140 and the bansa server 135. Characterized in that.

When the bansa server 135 transmits the full payment approval request message (or payment approval request information) through the communication channel, the receiving unit 2475 is linked with the communication unit 2698 to provide card information, payment information, and merchant information. Characterized in that for receiving the full payment approval request (or payment approval request information) including at least one.

If the full payment approval request (or payment approval request information) is encrypted and transmitted from the bansa server 135 through the encryption key of the card company server 140, the receiving unit 2475 is the encrypted payment approval It is desirable to decrypt the full text of the request (or payment approval request information).

When the payment approval request text (or payment approval request information) is received, the card information verification unit 2685 checks the card information included in the payment approval request text (or payment approval request information), and the confirmed card. By querying the card information stored in the card management D / B through the information, it is confirmed whether the card corresponding to the card information matches the payment card 105 issued through the card issuing system shown in FIG. It is done.

In addition, the card information verification unit 2685 is a card that the payment card 105 is reported missing in the card information verification process, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), or It is preferable to further include a step of checking whether the expiration date has passed.

When the validity of the card information included in the full payment approval request (or payment approval request information) is confirmed by the card information checking unit 2685, the payment approval processing unit 2690 may notify the card management D / B. Check the payment approval limit amount corresponding to the card limit information provided in connection with the card information, and based on the confirmed payment approval limit amount, the payment amount included in the full payment approval request (or payment approval request information) Characterized in that the payment processing for the approval.

According to the method of the present invention, the payment approval processing unit 2690 first checks the payment approval limit amount in connection with the card information in connection with the card management D / B (e.g., postpaid, debit) Mold, prepaid, etc.) is preferable.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 2690 may include a credit limit amount included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 2690 may provide the card limit information. It is preferable to check the linked account information included in, and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the payment approval processing unit 2690 is charged in the card limit information. It is preferable to check the amount information as the payment authorization limit amount for the payment card 105.

When the payment approval limit amount for the payment card 105 is confirmed, the payment approval processing unit 2690 may settle the payment included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. It is characterized by checking whether the payment approval or payment error for each payment property for the amount.

According to one embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 2690 may schedule a schedule in connection with the payment history D / B. Check the cumulative payment approval amount approved through the payment card 105 for a period, add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment It is preferable to confirm the approval or payment error of the payment amount by comparing the approval limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is greater than the sum of the sums, the payment approval processing unit 2690 may approve the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 2690 may set the payment approval limit. It is preferable to check the payment approval or payment error for the payment amount by comparing the amount (eg, the balance of the linked account) with the payment amount included in the payment information.

For example, when the payment approval limit amount (eg, the balance of the linked account) is larger than the payment amount, the payment approval processing unit 2690 may approve the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 2690 may set the payment approval limit amount (eg, It is preferable to check the payment authorization or payment error for the payment amount by comparing the payment amount) and the payment amount included in the payment information.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the payment approval processing unit 2690 preferably processes the payment.

When the payment approval procedure for the payment amount is completed by the payment approval processing unit 2690, the details generation unit 2695 includes a payment processing result including the payment approval result approved by the payment approval processing unit 2690. Characterized by generating a history.

When the payment is approved according to an embodiment of the present invention, the payment processing details include the card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, when the payment is not approved, the payment processing details may include at least one card information and payment error information for the payment card 105.

When the payment processing history is generated, the generation unit 2696 generates payment approval result information (or full payment approval result) including the payment processing history, and the transmission unit 2680 is the communication unit. The generated payment approval result information (or full payment approval result) is transmitted to the bansa server 135 through the communication channel in connection with the reference signal 2698.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 2690, the information storage unit 2697 stores the card information included in the payment processing history generated by the history generating unit 2695. The payment history information including payment approval date, payment approval amount, merchant information and payment approval information is stored in the payment history D / B.

Referring to FIG. 26, the financial company server 100 may include an interface unit 2630 for connecting and managing a communication channel with a payment terminal 110 provided at the affiliated store through a communication network (eg, a public communication network), and the interface. A professional receiving unit 2635 (or a professional receiving means) for receiving a full payment transfer request request including the card information, payment information, and affiliated merchant account information in association with the unit 2630, and included in the full transfer payment request message. The account information verification unit 2645 (or the account information checking means) for checking the account information for the account transfer payment corresponding to the received card information, and the financial system in which the account corresponding to the account information for the account transfer payment is opened; Transfer payment processing unit 2655 for withdrawing the payment amount from the account transfer payment target account, and transfers the withdrawn payment amount to the affiliated merchant account for payment processing (Or a bank transfer payment processing means), a transfer result generation unit 2670 (or a bank transfer result generating means) for generating account transfer result information corresponding to the bank transfer payment, and the generated bank transfer result information. A professional transmission unit 2640 (or a professional transmission means) for generating a full account transfer result including a payment result and transmitting the full account transfer payment result to the payment terminal 110 in association with the interface unit 2630; When the bank transfer payment is successfully performed by the transfer payment processing unit 2655, the bank transfer payment target account information, the bank transfer payment amount information, the bank transfer fee information for the bank transfer payment amount, and the affiliated merchant account information It is characterized in that it comprises a storage unit (2650) (or storage means) for storing in the wire transfer management D / B in conjunction with.

The interface unit 2630 is related to the payment terminal 110 provided in the affiliated store and the account transfer payment through a communication protocol corresponding to the communication network connecting the financial company server 100 and the payment terminal 110 provided in the affiliated store. It connects the communication channel for the professional transmission and reception, and maintains and manages the communication channel until the professional transmission and reception is completed.

When the payment terminal 110 generates and transmits a bank transfer payment request message including the card information, payment information, and affiliated merchant account information, the specialized receiving unit 2635 is connected to the interface unit 2630 to transmit the card. Characterized in that for receiving the full payment transfer request request information, including payment information and affiliated merchant account information.

According to another exemplary embodiment of the present invention, when the payment terminal 110 reads the account information of the account transfer payment target from the payment card 105, the card information included in the full payment transfer request message is the Account transfer payment can be replaced with the account information, whereby the present invention is not limited.

Alternatively, when the merchant company number and the affiliated merchant account information are provided in association with the financial institution server 100, the affiliated merchant account information included in the full payment transfer request may be replaced with an affiliate store number. The invention is not limited.

When the full payment transfer request message is received through the specialized receiving unit 2635, the account information checking unit 2645 connects to the transfer result management D / B to transfer the account information corresponding to the card information to the payment information. It is characterized by checking.

Thereafter, the transfer payment processing unit 2655 transfers the account in association with a financial system in which an account corresponding to the account transfer payment target account information is opened (for example, a system operated by the ledger corresponding to the account for payment settlement). And withdrawing the payment amount from the payment target account.

Then, the transfer payment processing unit 2655 is characterized in that the settlement amount by subtracting the account transfer fee from the withdrawal amount transfers to the affiliated merchant account for payment processing.

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Thereafter, the transfer result generator 2670 may generate account transfer result information corresponding to the account transfer payment.

When the bank transfer payment is successfully performed according to an exemplary embodiment of the present invention, the bank transfer result information may include bank transfer history information (eg, bank transfer payment target account information, bank transfer payment amount information, and bank transfer payment amount). Account transfer fee information, account transfer date and time, affiliated merchant account information, etc.).

According to another exemplary embodiment of the present invention, when the bank transfer payment fails (for example, insufficient balance of the account for which the bank account is settled), the account transfer result information may include account transfer error information.

When the account transfer result information is generated by the transfer result generation unit 2670, the full text transfer unit 2640 generates a full text transfer payment result message including the generated account transfer result information, and the interface unit ( It is characterized in that the transfer to the payment terminal 110 the full account transfer payment results generated in association with 2630).

When the bank transfer payment is successfully performed by the transfer payment processing unit 2655, the storage unit 2650 may transfer the account transfer payment target account information, the bank transfer payment amount information, and the bank transfer fee for the bank transfer payment amount. The information is linked to the affiliated merchant account information, characterized in that stored in the account transfer management D / B.

FIG. 27 is a diagram illustrating an operation process of a payment terminal 110 for preferential account transfer payment to an affiliated merchant according to an embodiment of the present invention.

In more detail, Figure 27 shows the card information from the customer card through the card reader when the card payment processing through the payment terminal 110 provided in the affiliated merchant shown in Figure 25, the payment information through the key input means After inputting, read the BIN information included in the card information to check whether the card corresponding to the card information is a payment card 105 issued through the card issuing system shown in FIG. 2, and the card information is the payment. When matched with the card 105, and generates a full text for real-time account transfer payment processing through the financial company prior to the card payment according to the payment attribute corresponding to the payment card 105 and transmits to the financial company server 100 If the card information is not matched with the payment card 105, a bansa is generated by generating a full text according to a payment attribute (for example, postpaid, debit, or prepaid) corresponding to the payment card 105. As a process for transmitting to the card company server 140 via the server 135, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 27 to give priority to the affiliated merchants Various implementation methods for the operation process of the payment terminal 110 for a bank transfer payment may be inferred, but the present invention includes all the implementation methods inferred by the implementation method shown in FIG. The technical features are not limited.

For example, FIG. 27 shows that the card corresponding to the card information is a payment card 105 issued through the card issuing system shown in FIG. 2 after reading card information and inputting payment information for convenience. As described above, the present invention is not limited thereto, and the payment card 105 may be checked at any point in time before the full text is generated after the card information is read through the card reader.

In addition, when it is confirmed in FIG. 27 that the card information matches the issued payment card 105 of the card issuing system shown in FIG. 2, the read card information and the payment in the payment terminal 110. Although illustrated and described as generating the full text including the affiliated merchant account information provided in the terminal 110, the present invention is by no means limited, and the account transfer associated with the card information in the payment terminal 110 When the payment target account information can be confirmed, the generated full message may directly include the account information payment target bank transfer, when the financial institution server 100 confirms the affiliated merchant account information associated with the affiliate store number The full text generated may include the affiliate store number.

Referring to FIG. 27, when the payment information is read from the customer card through the card reader and payment information is input through the key input means (2700), the payment terminal 110 receives the payment terminal ( In operation 2705, the BIN information included in the card information is matched with a payment card 105 that processes preferential bank transfer payment for the affiliated merchant in association with the memory unit.

According to the exemplary embodiment of the present invention, the payment terminal 110 compares the BIN information included in the read card information with the BIN information stored in the memory unit, and shows the BIN information included in the card information in FIG. It is preferable to check whether the matching with the payment card 105 issued through the issued card issuing system.

If the card information does not match the payment card 105 issued through the card issuing system shown in FIG. 2 (2710), the payment terminal 110 is a payment corresponding to the card information (or BIN information) The property is checked (2715), and generates a full payment approval request message for processing a card payment corresponding to the payment property, including the card information, payment information, and merchant information (2720).

Thereafter, the payment terminal 110 connects a communication channel with the bansa server 135 through a communication network (2725).

If the communication channel is connected with the bansa server 135 (2730), the payment terminal 110 transmits the generated payment approval request message to the fraud bansa server 135 through the communication channel (2735).

On the other hand, if the card information is matched with the payment card 105 issued through the card issuing system shown in Figure 2 (2710), the payment terminal 110 includes the card information, payment information and affiliated merchant account information Generate a full account transfer payment request (2740).

According to an embodiment of the present invention, when the affiliated merchant account information for the affiliated affiliate store is provided in the financial institution server 100 (for example, when the payment control D / B is provided in the financial institution server 100), the The affiliated merchant information included in the full payment transfer request request is preferably made to include a merchant number associated with the affiliated merchant account information.

According to another exemplary embodiment of the present invention, when the affiliated merchant account information for the affiliated affiliate store is not provided in the financial institution server 100 (for example, when the payment control D / B is not provided on the financial institution server 100). ), The affiliated merchant information included in the full payment transfer request request includes the affiliated merchant account information.

Thereafter, the payment terminal 110 checks the financial company server 100 corresponding to the BIN information (2745), and connects the communication channel with the identified financial company server 100 through the communication network (2750).

If the communication company server 100 and the communication channel is connected (2755), the payment terminal 110 transmits the generated account transfer payment request message to the fraudulent financial company server 100 through the communication channel (2760). .

28 is a diagram illustrating a payment approval request process for preferential bank transfer payment for affiliated affiliates according to an embodiment of the present invention.

More specifically, FIG. 28 is shown in FIG. 27 in the payment terminal 110 on the card payment system shown in FIG. 26 based on the payment card 105 issued through the card issuing system shown in FIG. When the payment approval request is generated and transmitted to the bansa server 135 through the process, the bansa server 135 issues the payment approval request message (or payment approval request information) to the card company server that issued the payment card 105. Referring to FIG. 140, a process of relay transmission to a person who has ordinary knowledge in the technical field to which the present invention pertains may be referred to and / or modified with reference to FIG. 28 to make a payment for preferential account transfer for the affiliated merchant. Various implementation methods for the approval request process may be inferred, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. This technical feature is not limited.

Referring to FIG. 28, when the payment terminal 110 on the card payment system shown in FIG. 26 generates the full payment approval request message through the process shown in FIG. 27 and transmits it to the bansa server 135, the bansa server 135 receives the full payment approval request message transmitted from the payment terminal 110 through the communication channel (2800).

According to an embodiment of the present invention, when the payment approval request is encrypted and transmitted by the payment terminal 110 through the bansa encryption key, the bansa server 135 decrypts the encrypted payment approval request message. It is desirable to.

Then, the bansa server 135 checks the card information included in the full payment approval request (2805).

According to the embodiment of the present invention, the bansa server 135 may further check the payment information and the merchant information included in the full payment approval request, and thus the present invention is not limited thereto.

Thereafter, the bansa server 135 reads the checked card information and checks the card company server 140 to transmit the full text of the payment approval request (2810).

According to an embodiment of the present invention, it is preferable that the bansa server 135 checks the [card company information] to which the payment approval request text is relayed by reading a BIN from the card information included in the payment approval request text.

If the card company server 140 that relays the payment approval request message is confirmed (2815), the bansa server 135 transmits the payment approval request message (or the payment approval request message) to the confirmed card company server 140. The payment request information including the card information, payment information, and merchant information included) is relayed and transmitted (2820).

29 is a diagram illustrating a payment approval process for preferential bank transfer payment for affiliated merchants according to an embodiment of the present invention.

In more detail, FIG. 29 is a payment approval request message (or payment approval request information) received by the card company server 140 through the payment approval request process shown in FIG. 28, the card company server 140 receives the payment. Regarding the process of approving the requested payment through the full approval request (or payment approval request information), those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 29 Various implementation methods for the payment approval process for preferential account transfer payment to affiliated merchants may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation method illustrated in FIG. The technical features are not limited.

Referring to FIG. 29, the payment approval request message (or payment approval request information) is received to the card company server 140 through the payment approval request process shown in FIG. 28 (2900).

According to the embodiment of the present invention, when the payment approval request full text (or payment approval request information) is encrypted and transmitted from the bansa server 135 through the encryption key of the card company server 140, the card company server 140 It is preferable to decrypt the encrypted payment approval request full text (or payment approval request information).

Then, the card company server 140 checks the card information, payment information and merchant information included in the full payment approval request (or payment approval request information) (2905), the card management D through the confirmed card information By querying the card information stored in / B, it is checked whether the card corresponding to the card information matches the payment card 105 issued through the card issuing system shown in FIG.

According to the exemplary embodiment of the present invention, the card company server 140 is a card that the payment card 105 is reported missing in the process of checking the card information, or satisfies an unusable condition (for example, bad credit, delinquency, etc.). It is preferable that the card further comprises the step of checking whether or not the card has expired.

If the card information does not match the payment card 105 issued through the card issuance system shown in FIG. 2 as a result of the check (2915), the card company server 140 may include payment error information. After generating approval result information (or full payment approval result) and transmitting to the bansa server 135 (2920), the bansa server 135 in response to the payment error through a communication channel connected to the payment terminal 110 The payment approval result including the full information is transmitted to the payment terminal 110 and output (2925).

On the other hand, if the card information is matched with the payment card 105 issued through the card issuing system shown in FIG. 2 as a result of the check (2915), the card company server 140 is the card management D / B In operation 2930, the payment approval limit amount for each payment attribute corresponding to the card limit information provided in connection with the card information is checked.

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 may provide credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may be assigned to the card limit information. It is preferable to check the included linked account information and check the balance information of the linked account in connection with the financial institution server 100 (not shown) as the payment approval limit amount for the payment card 105.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 140 charges the amount of money included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the payment card 105.

If the payment approval limit amount for each payment attribute of the payment card 105 is confirmed (2935), the card company server 140 based on the full payment approval request amount (or payment approval request information) based on the confirmed payment approval limit amount ), The payment approval for each payment property for the payment amount included in) is processed (2940).

According to an embodiment of the present invention, when the payment card 105 includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 140 is linked with the payment history D / B for a certain period of time. While confirming the cumulative payment approval amount approved through the payment card 105, adding the confirmed cumulative payment approval amount and the payment amount included in the payment information, and adding the sum and the confirmed payment approval. It is preferable to check the payment authorization or payment error for the payment amount by comparing the limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 140 may set the payment approval limit amount. (For example, the balance of the linked account) and the payment amount included in the payment information, it is preferable to confirm the payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 140 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the payment card 105 includes a prepaid payment attribute (eg, prepaid card payment attribute), the card company server 140 may charge the payment approval limit amount (eg, charge). Amount) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 140 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (2945), the card company server 140 generates the payment approval result information (or full payment approval result) including payment error information to the bansa server. In operation 2920, the bansa server 135 transmits the full payment approval result including the payment error information to the payment terminal 110 through a communication channel connected to the payment terminal 110. Transmit and output (2925).

On the other hand, if the payment approval for the payment attribute is confirmed as the payment approval process (2945), the card company server 140 generates a payment processing history including the payment approval result (2950).

Here, the payment processing details preferably include at least one or more card information, payment approval date, payment approval amount, merchant information and payment approval information for the payment card 105 approved for payment.

Thereafter, the card company server 140 generates payment approval result information (or full payment approval result) including the payment processing details and transmits the generated payment approval information to the bansa server 135 (2955). 135 transmits and outputs the full payment approval result including the payment processing details to the payment terminal 110 through a communication channel connected to the payment terminal 110 (2925).

In addition, the card company server 140 generates payment history information including at least one of card information included in the generated payment processing history, payment approval date, payment approval amount, merchant information, and payment approval information (2960). In operation 2965, the payment history information is stored in the payment history D / B.

30 is a diagram illustrating a process of processing a wire transfer payment in preference to a payment attribute of a payment account according to an embodiment of the present invention.

In more detail, Figure 30 selects that the payment method for the payment card 105 is preferentially processed through the wire transfer payment through the payment terminal 110 operation process shown in Figure 27 than the payment attribute of the corresponding payment account. When the financial institution server 100 processes the bank transfer payment, the person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 30 of the payment account. It will be possible to infer various implementation methods for the process of processing the bank transfer payment in preference to the payment attribute, but the present invention includes all the implementation methods inferred above, the technical only by the implementation method shown in FIG. Features are not limited.

Referring to FIG. 30, if a payment method for the payment card 105 is selected to be processed through a wire transfer payment prior to the payment attribute of the corresponding payment account through the operation of the payment terminal 110 shown in FIG. 27. The financial company server 100 includes an account including the card information, payment information, and affiliated merchant account information from the payment terminal 110 in order to process an account transfer payment prior to the payment attribute of the payment account through the communication network. The full payment request for payment is received (3000).

According to another exemplary embodiment of the present invention, when the payment terminal 110 reads the account information of the account transfer payment target from the payment card 105, the card information included in the full payment transfer request message is the Account transfer payment can be replaced with the account information, whereby the present invention is not limited.

Alternatively, when the merchant company number and the affiliated merchant account information are provided in association with the financial institution server 100, the affiliated merchant account information included in the full payment transfer request may be replaced with an affiliate store number. The invention is not limited.

Thereafter, the financial institution server 100 checks the bank transfer payment target account information corresponding to the card information included in the full transfer payment request in connection with the transfer result management D / B (3005).

If the account information for the account transfer payment corresponding to the card information is confirmed (3010), the financial institution server 100 is a financial system (eg, the account transfer payment) in which an account corresponding to the account transfer payment target account information is opened. The balance of the account to which the direct transfer payment is made in connection with a system in which the ledger corresponding to the target account is operated (3015), and compares the balance of the confirmed account to which the target transfer payment is to the payment amount and pays the settlement transfer It is determined whether to approve (3020).

If the bank transfer payment is not approved (3025), the financial institution server 100 generates a full account transfer payment result including the account transfer result information corresponding to the bank transfer payment error information and transmits it to the payment terminal 110. (3030).

On the other hand, if the bank transfer payment is approved (3025), the financial institution server 100 withdraws the amount corresponding to the payment amount from the bank transfer payment target account (3035), the withdrawn The settlement amount obtained by subtracting the account transfer fee from the amount is transferred to the affiliated merchant account to settle payment (3040).

According to the present invention, the account transfer fee is a card payment fee (eg, credit card payment fee, or check card payment) according to the payment attribute (eg, postpay, debit, or prepaid) of the payment card 105. Fees, or debit card payment fees, etc.) is characterized in that it is much cheaper.

Subsequently, the financial institution server 100 associates the bank transfer payment target account information, the bank transfer payment amount information, the bank transfer fee information for the bank transfer payment amount, and the affiliated merchant account information to store in the bank transfer management D / B. (3045).

Thereafter, the financial company server 100 generates a full account transfer payment result including the account transfer result information corresponding to the account transfer history and transmits the full text to the payment terminal 110 (3050).

31 is a diagram showing a customer compensation system that compensates a customer for the difference in fees between card payment and bank transfer payment according to an embodiment of the present invention.

In more detail, FIG. 31 shows a card company server 140 on the card issuing system shown in FIG. 5 or FIG. 10, or FIG. 15 or FIG. The payment card 105 issued by the relay server on the card issuing system shown in FIG. 20 or the card information corresponding to the card payment in the payment terminal 110 shown in FIG. 25 is issued through the card issuing system shown in FIG. And the affiliated party requesting the card payment is confirmed to be an affiliated merchant that converts the card payment to the bank transfer payment and processes the payment, and then converts the card payment to the bank transfer payment and processes the payment according to the verification result. The card card payment fee incurred when the payment amount is processed through the card payment corresponding to the payment attribute of the payment card 105, and the payment amount Is a system configuration for confirming the account transfer fee generated by converting the payment to the bank transfer payment, and compensating the difference between the card card payment fee and the account transfer fee to the customer, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 31 to infer various implementation methods for a customer compensation system that compensates customers for the difference in fees between card payment and wire transfer payment. It is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 31, a customer compensation system for compensating a customer for a fee difference between the payment of a card and the payment by a wire transfer may include a target of a transfer payment corresponding to the payment by a bank transfer when the payment is processed by converting the payment into a payment by a wire transfer. It is issued through an account transfer management D / B that stores account information, account transfer payment amount information, account transfer fee information for the account transfer payment amount, and affiliated merchant account information, and the card issuing system shown in FIG. The BIN information corresponding to the received payment card 105 and card payment fee calculation information (or card payment fee information for each payment amount) for the payment card 105 are stored in association with each other, and stored in the bank transfer management D / B. A customer compensation management D / B that stores customer compensation policy information for the transfer fee information, and the account is based on the customer compensation policy information. Periodically reading the bank transfer fee information stored in the transfer management D / B to check whether the difference between the card payment fee and the bank transfer fee to compensate the customer, and if the difference of the check result is compensated for, the bank transfer management D Check the wire transfer payment amount information and the wire transfer fee information for the wire transfer payment amount for a predetermined period in connection with / B, and transfer the wire transfer payment amount to the payment card (in association with the customer compensation management D / B); Calculating a card payment fee incurred at the time of payment with the card payment corresponding to the payment attribute of 105), calculating the compensation amount by deducting the account transfer fee from the card payment fee, and compensating the calculated compensation amount to the customer. It comprises a customer compensation processing server 3100.

Here, the customer compensation processing server 3100 is the financial company server 100, or in connection with the financial company server 100 to process to compensate the customer the amount of the credit fee deducted from the credit card payment fee It is preferable to include a server.

Alternatively, the customer compensation processing server 3100 is the card company server 140, or in conjunction with the card company server 140 to process to compensate the customer the amount of the credit card deduction of the account transfer fee from the card payment fee It is preferable to include a server.

Alternatively, the customer compensation processing server 3100 is the bansa server 135 (or relay server), or in conjunction with the bansa server 135 (or relay server) to deduct the account transfer fee from the card payment fee It is preferable to include a server for processing to compensate the customer for an amount.

Alternatively, the customer compensation processing server 3100 is linked to at least one or more of the card company server 140, the financial company server 100 and the bansa server 135 (or relay server) in the card payment fee in the account transfer fee It is preferable to include a server for processing to compensate for the customer subtracted amount.

The bank transfer management D / B stores the account transfer payment target account information corresponding to the bank transfer payment, the account transfer payment amount information, and the account transfer fee information for the account transfer payment amount in association with the affiliated merchant account information. It features.

According to an exemplary embodiment of the present invention, when the customer compensation processing server 3100 cannot check card information (or BIN information) corresponding to the account transfer payment target account information (for example, the customer compensation processing server 3100). And when the payment management D / B is not linked), the account transfer payment target account information may further include card information (or BIN information) corresponding to the account transfer payment target account information.

The customer compensation management D / B calculates the BIN information corresponding to the payment card 105 issued through the card issuing system shown in FIG. 2 and the card payment fee for the payment card 105 corresponding to the BIN information. Information (eg, a card payment fee calculation formula) and stores the information. For example, the card payment fee calculation information may include card payment fee information for each payment amount (eg, a card payment fee table for each payment amount). It is possible to include.

In addition, the customer compensation management D / B preferably stores the customer compensation policy information including the customer compensation implementation conditions and customer compensation method for the account transfer fee information stored in the account transfer management D / B.

Here, the condition for implementing the customer compensation is the minimum number of payments made by converting the card payment into a direct transfer payment for a predetermined period, or the minimum account transfer fee (or the minimum transfer payment amount stored in the transfer management D / B). It is preferable to comprise at least one).

In addition, the customer compensation method, it is preferable that the compensation amount is included in the compensation process to the customer, the compensation is made to include the object.

According to the exemplary embodiment of the present invention, when the payment amount of the wire transfer is all transferred to the affiliated merchant account on the card payment system shown in FIG. 5 or 10 or 15 or 20 or 26, the compensation amount is The object to be withdrawn is preferably made including the affiliated merchant account.

According to another exemplary embodiment of the present invention, on the card payment system shown in FIG. 5 or 10 or 15 or 20 or 26, the amount of the wire transfer payment minus the account transfer fee is deducted from the card payment fee. When the deposit is deposited in the predetermined compensation management account, it is preferable that the target to which the compensation amount is withdrawn includes the compensation management account.

Referring to FIG. 31, the customer reward processing server 3100 periodically reads the account transfer fee information stored in the bank transfer management D / B based on the customer reward policy information stored in the customer reward management D / B. And a customer compensation confirmation unit 3105 (or customer compensation confirmation means) for checking whether the difference between the card payment fee and the account transfer fee is compensated to the customer, and when the fee difference is compensated to the customer as a result of the confirmation, An information checking unit 3110 (or information checking means) for confirming the information on the payment amount of the wire transfer for a predetermined period and the information on the transfer fee for the amount of the wire transfer payment in connection with the transfer management D / B, and the customer compensation; Check the card payment fee calculation information corresponding to the card information (or BIN information) of the confirmed payment card 105 in association with the management D / B, and the card payment A card payment fee calculation unit (or card payment fee calculation means) that calculates a card payment fee for the account transfer payment amount by substituting the account transfer payment amount information for the predetermined period into the completion calculation information; and the calculated card payment Compensation amount calculation unit (3120) (or customer compensation calculation means) for calculating the compensation amount by deducting the account transfer fee from the fee, and compensation withdrawal account confirmation unit for confirming the information on the compensation withdrawal account with which the calculated compensation amount is withdrawn (3125) (or compensation withdrawal account confirmation means), compensation payment means confirmation unit (3130) (or compensation payment means confirmation means) for confirming the compensation payment means for the compensation amount will be deposited, and the reward withdrawal account is opened; Withdraw the calculated compensation amount from the compensation withdrawal account in connection with a financial system, and confirm the withdrawn compensation amount. It is characterized in that it comprises a customer compensation processing unit 3135 (or customer compensation processing means) for the deposit processing by the received compensation payment means.

The customer compensation confirmation unit 3105 periodically reads the account transfer fee information stored in the account transfer management D / B based on the customer compensation policy information stored in the customer compensation management D / B, and thereby the card payment fee and the account. It is characterized by checking whether the difference between the transfer fee is compensated to the customer.

When the bank transfer fee information stored in the bank transfer management D / B satisfies the customer compensation policy, the customer compensation verification unit 3105 confirms that the difference between the card payment fee and the bank transfer fee is compensated to the customer. It is desirable to.

When the result of the check is to compensate the fee difference to the customer, the information checking unit 3110 is linked to the account transfer management D / B account transfer payment amount information for a predetermined period and the account for the account transfer payment amount It is characterized by checking the transfer fee information.

The card payment fee calculator 3115 checks card payment fee calculation information corresponding to the card information (or BIN information) of the confirmed payment card 105 in connection with the customer compensation management D / B, and the card Calculating the card payment fee that is expected to occur when the account transfer payment amount is processed as a card payment by substituting the account transfer payment amount information for a predetermined period of time as confirmed through the information checking unit 3110 into the payment fee calculation information. It is characterized by.

When the customer compensation processing server 3100 is associated with the transfer payment management D / B according to an embodiment of the present invention, the card payment fee calculator 3115 may be connected to the account transfer management D / B. It is preferable to check the card information (or BIN information) of the payment card 105 associated with the account transfer payment target account information.

According to another exemplary embodiment of the present invention, when the card information (or BIN information) of the payment card 105 is included in the bank transfer payment target account information, the card payment fee calculator 3115 is subject to bank transfer payment. It is preferable to check the card information (or BIN information) of the payment card 105 associated with the account information for the account transfer payment by reading the account information.

When the card information (or BIN information) of the payment card 105 is confirmed, the card payment fee calculator 3115 connects the card information of the confirmed payment card 105 in association with the customer compensation management D / B. Check the card payment fee calculation information corresponding to the BIN information), and insert the account transfer payment amount information for a predetermined period of time as confirmed through the information checking unit 3110 into the card payment fee calculation information. It is characterized by calculating the card payment fee that is expected to occur when the amount is processed by the card payment.

The compensation amount calculation unit 3120 calculates a compensation amount by subtracting the account transfer fee confirmed through the information checking unit 3110 from the calculated card payment fee calculated through the card payment fee calculation unit 3115. Characterized in that.

The reward withdrawal account checking unit 3125 is connected to the card payment system shown in Figure 5 or Figure 10 or Figure 15 or Figure 20 or Figure 26 through the bank transfer management D / B to which the calculated compensation amount is withdrawn. The reward withdrawal account information is characterized by checking.

According to an exemplary embodiment of the present invention, when the amount of the wire transfer payment is transferred to the affiliated merchant account on the card payment system shown in FIG. 5 or 10 or 15 or 20 or 26, the reward withdrawal account. The account transfer payment amount is preferably made to include each affiliated merchant account for which payment has been processed.

According to another exemplary embodiment of the present invention, on the card payment system shown in FIG. 5 or 10 or 15 or 20 or 26, the amount of the wire transfer payment minus the account transfer fee is deducted from the card payment fee. When deposited in the predetermined compensation management account, it is preferable that the compensation withdrawal account includes the compensation management account.

The reward payment means confirmation unit 3130 is characterized in that for checking the compensation payment means including the account or the account owned by the customer to be deposited with the compensation amount withdrawn from the compensation withdrawal account.

According to an exemplary embodiment of the present invention, the reward deposit means preferably comprises the account for payment account transfer, and when the customer designates a separate customer account as the reward deposit means, the reward deposit means is It is desirable to include a customer account specified by the customer.

According to another exemplary embodiment of the present invention, it is preferable that the reward deposit means comprises a mileage point account owned by the customer to which mileage points corresponding to the calculated reward amount are to be accumulated.

According to another exemplary embodiment of the present invention, the reward deposit means preferably comprises a discount coupon corresponding to the calculated compensation amount, a discount coupon account owned by the customer to receive various prizes, or a prize receiving account. Do.

Compensation amount to be compensated to the customer is calculated by the compensation amount calculation unit 3120, at least one compensation withdrawal account for the compensation amount is withdrawn by the compensation withdrawal account checking unit 3125, the compensation amount When the compensation amount is confirmed by the deposit means confirming unit 3130, the deposit payment means, the customer compensation processing unit 3135 is calculated from the reward withdrawal account in connection with the financial system in which the reward withdrawal account is opened. Characterized in that withdraw the compensation amount, characterized in that the withdrawal of the withdrawal compensation amount to the confirmed compensation deposit means.

32 is a diagram illustrating a process of compensating a customer for a difference in fees between card payment and bank transfer payment according to an embodiment of the present invention.

In more detail, FIG. 32 illustrates a process of converting a card payment into a wire transfer payment for a predetermined period in a customer reward processing server 3100 on the customer reward system shown in FIG. 31 in connection with the transfer management D / B. Check the bank transfer payment amount information and the payment transfer fee for the bank transfer payment amount, and in connection with the customer compensation management D / B, the card payment fee when the payment is made by the original card payment After the calculation, the process of compensating for the customer the compensation amount corresponding to the difference of the credit card payment fee minus the bank transfer fee, if the person having ordinary knowledge in the technical field to which the present invention belongs, Referring to Figure 32 and / or modified to compensate for the difference in fees between the card payment and bank transfer payment to the customer Would be able to infer the various method embodiments, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 32.

In the following figure 32, the customer compensation processing server 3100 shown in the customer compensation system shown in Fig. 31 is referred to as " server "

Referring to FIG. 32, the server periodically reads the account transfer fee information stored in the account transfer management D / B based on the customer compensation policy information stored in the customer compensation management D / B, and thereby the card settlement fee and the account. It is checked whether the difference between the transfer fee is compensated to the customer (3200).

If the fee difference is compensated to the customer (3205), the server, in connection with the transfer management management D / B, the account transfer payment information for a predetermined period and the account transfer fee information for the account transfer payment amount Check (3210).

If the wire transfer payment amount information and the account transfer fee information for the wire transfer payment amount are confirmed (3215), the server is linked with the customer compensation management D / B, the card information of the confirmed payment card 105 Check the card payment fee calculation information corresponding to the (or BIN information), and transfer the account transfer payment amount information for a predetermined period of time as confirmed through the information checking unit 3110 into the card payment fee calculation information; The card payment fee expected to be generated when the payment amount is processed by the card payment is calculated (3220).

If the card payment fee is calculated (3225), the server calculates a reward amount by subtracting the confirmed account transfer fee from the calculated card payment fee (3230).

If the amount of compensation is calculated (3235), the server calculates the calculated reward in connection with the card transfer system shown in the transfer management management D / B to the drawing 5 or 10 or 15 or 20 or 26 The amount of money withdrawn from the compensation withdrawal account information and the compensation amount withdrawn from the compensation withdrawal account checks the payment means including the account or account owned by the customer to be deposited (3240).

According to an exemplary embodiment of the present invention, when the amount of the wire transfer payment is transferred to the affiliated merchant account on the card payment system shown in FIG. 5 or 10 or 15 or 20 or 26, the reward withdrawal account. Preferably, the account includes each affiliated merchant account for which the prepayment amount is settled.

According to another exemplary embodiment of the present invention, on the card payment system shown in FIG. 5 or 10 or 15 or 20 or 26, the amount of the wire transfer payment minus the account transfer fee is deducted from the card payment fee. When deposited in the predetermined compensation management account, it is preferable that the compensation withdrawal account includes the compensation management account.

According to an exemplary embodiment of the present invention, the reward deposit means preferably comprises the account for payment account transfer, and when the customer designates a separate customer account as the reward deposit means, the reward deposit means is It is desirable to include a customer account specified by the customer.

According to another exemplary embodiment of the present invention, it is preferable that the reward deposit means comprises a mileage point account owned by the customer to which mileage points corresponding to the calculated reward amount are to be accumulated.

According to another exemplary embodiment of the present invention, the reward deposit means comprises a discount coupon corresponding to the calculated reward amount, a discount coupon account owned by the customer to receive various prizes, or a prize receiving account. desirable.

Compensation amount to be compensated to the customer is calculated by the compensation amount calculation unit 3120, at least one compensation withdrawal account for the compensation amount is withdrawn by the compensation withdrawal account checking unit 3125, the compensation amount When the compensation amount is confirmed by the deposit means checking unit 3130, the payment amount is deposited, the server withdraws the calculated compensation amount from the compensation withdrawal account in connection with the financial system in which the compensation withdrawal account is opened. Characterized in that, the withdrawal compensation amount is processed to deposit to the confirmed compensation payment means (3245).

According to the present invention, when issuing a payment card associated with an affiliated affiliate (or membership affiliate) that generates a large payment transaction to the customer, and when the customer pays the card at the affiliated affiliate (or membership affiliate) through the payment card, The affiliated affiliate store (or membership) in the payment through the payment card to process the payment by preferential payment by the account transfer method with a fee lower than the payment method corresponding to the payment attribute (eg, post-pay, debit, prepaid) of the payment card. Merchants' fee burden is reduced.

According to the present invention, when a customer who has issued a payment card affiliated with the affiliated affiliate store (or membership affiliate store) pays the card at the affiliated affiliate store (or membership affiliate store), the account is cheaper than the payment method according to the payment attribute of the payment card. There is an advantage of providing an opportunity to receive a variety of additional services from the affiliated affiliates (or membership affiliates) through a transfer fee.

According to the present invention, when a customer who has issued a payment card affiliated with the affiliated affiliate store (or membership affiliate store) pays the card at the affiliated affiliate store (or membership affiliate store), the card payment is converted into a bank transfer payment and then processed for payment. The customer is compensated for the difference by deducting the account transfer fee from the card payment fee when the payment amount corresponding to the direct transfer payment is processed by the card payment corresponding to the original payment attribute of the payment card. Various rewards can be obtained through the use of the affiliated merchant through the payment card, and the affiliated merchant has the advantage of actively attracting customers who have issued the payment card.

Claims (7)

When requesting a card payment according to the original payment attribute of the card at the affiliated merchant, the BIN (Bank Identification Number) information of the card converts the card payment at the affiliated merchant to a bank transfer payment through a financial company for processing. Confirming that the information matches; When the BIN information is matched, the card payment is converted into a bank transfer payment through the financial company and processed, and the bank transfer payment amount information corresponding to the bank transfer payment is stored in association with the bank transfer fee information and the affiliated merchant account information. Storing in a medium; Calculating a card payment fee when the wire transfer payment amount is settled according to the original payment attribute of the card; Calculating a portion (or all) of the calculated credit card fee minus the bank transfer fee as a reward amount; And processing the withdrawal of the compensation amount from the affiliated merchant account so as to be deposited by a reward payment means of a customer. When requesting a card payment according to the original payment attribute of the card at the affiliated merchant, the BIN (Bank Identification Number) information of the card converts the card payment at the affiliated merchant to a bank transfer payment through a financial company for processing. Confirming that the information matches; When matching with the BIN information, the card payment is converted into a bank transfer payment through the financial company, processing, and storing the information on the storage medium by linking the account transfer payment amount information and the account transfer fee information corresponding to the bank transfer payment; ; Calculating a card payment fee when the wire transfer payment amount is settled according to the original payment attribute of the card; Calculating a portion (or all) of the calculated credit card fee minus the bank transfer fee as a reward amount; And processing the compensation amount so as to be deposited into a compensation payment means of a customer. The method of claim 2, And identifying a reward withdrawal account to which the reward is to be withdrawn. The method according to claim 1 or 2, The method of claim 1, further comprising the step of confirming the compensation means for depositing the compensation amount of the customer will be deposited affiliate-related card reward processing method. According to claim 1 to claim 2, wherein the reward payment means of the customer, Accounts subject to payment, or accounts specified by the customer, or Card reward processing method associated with the affiliated merchant, characterized in that comprises a customer's point earning account, or discount coupon / giveaway account. When requesting a card payment according to the original payment attribute of the card at the affiliated merchant, the BIN (Bank Identification Number) information of the card converts the card payment at the affiliated merchant to a bank transfer payment through a financial company for processing. Information checking means for checking whether the information matches the information; When the BIN information is matched, the card payment is converted into a bank transfer payment through the financial company and processed, and the bank transfer payment amount information corresponding to the bank transfer payment is stored in association with the bank transfer fee information and the affiliated merchant account information. Information storage means for storing in a medium; Card payment fee calculation means for calculating a card payment fee when the payment is made according to the original payment attribute of the card; Compensation amount calculation means for calculating a portion (or all) of the amount of money calculated by subtracting the account transfer fee from the calculated card settlement fee; Customer reward processing means for processing the withdrawal of the compensation amount from the affiliated merchant account to be deposited into the reward payment means of the customer; affiliated merchant related card reward processing system comprising a. When requesting a card payment according to the original payment attribute of the card at the affiliated merchant, the BIN (Bank Identification Number) information of the card converts the card payment at the affiliated merchant to a bank transfer payment through a financial company for processing. Information checking means for checking whether the information matches the information; When matching with the BIN information, the card payment is converted into a bank transfer payment through the financial company and processed, and the information stored in the storage medium by linking the bank transfer payment amount information and the account transfer fee information corresponding to the bank transfer payment; Storage means; Card payment fee calculation means for calculating a card payment fee when the payment is made according to the original payment attribute of the card; Compensation amount calculation means for calculating a portion (or all) of the amount of money calculated by subtracting the account transfer fee from the calculated card settlement fee; And customer compensation processing means for processing the compensation amount to be deposited by the compensation money payment means of the customer; affiliated merchant related card reward processing system comprising a.

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