KR20090090423A - System and method for managing selling and buying and program recording medium - Google Patents

Abstract

A selling and buying management method of a franchise and a system thereof and a program recording medium are provided to issue a tax invoice and card settlement through a card. A server(500) performs a settlement approval transaction by connecting with a card terminal and a card company server(555). The server processes the selling specification of processing or the purchase details of the business carrier. The card company server performs the settlement approval transaction corresponding to the settlement approval request statement.

Description

System and Method for Managing Selling and Buying and Program Recording Medium}

1 is a diagram illustrating a business information registration system for registering business registration information according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering business registration certificate information according to an embodiment of the present invention.

3 is a diagram illustrating a business information registration system for registering business registration certificate information according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering business registration certificate information for registering business registration certificate information according to one embodiment of the present invention.

FIG. 5 is a diagram illustrating a system configuration for managing sales and expenses of a business operator and affiliated stores when paying a card through a card provided with business registration certificate information according to an exemplary embodiment of the present invention.

6 is a diagram illustrating an IC card in which predetermined business registration certificate information is stored according to an embodiment of the present invention.

7 is a diagram illustrating a functional configuration of a card terminal for performing a payment process for a card with business registration information according to an embodiment of the present invention.

8 is a diagram illustrating a card terminal operation process of performing a payment process for a card provided with business registration information according to an embodiment of the present invention.

9 is a diagram illustrating a card terminal operation process of performing a payment process for a card with business registration information according to another embodiment of the present invention.

10 is a diagram illustrating a card terminal operation process of performing a payment process for a card provided with business registration information according to another embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of managing sales and expenses of a business operator and affiliated stores when paying a card through a card provided with business registration certificate information according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

500: server 505: interface unit

510: professional receiver 515: professional transmitter

520: card information confirmation unit 525: information transmission unit

530: payment approval history receiving unit 535: information confirmation unit

540: information processing unit 545: information storage unit

550: storage medium 555: card company server

The present invention performs payment processing using one or more customer payment means, and the IC card stored in the customer business registration certificate information-business registration number, corporate registration number, business status, type of business, issue date, address, representative name, issuer- A card terminal that reads the customer business registration certificate information from the IC card and inserts the payment information into a payment approval request when generating a payment approval request message including a customer payment means, a payment amount and merchant information, and a payment approval received from the card terminal Check whether the customer business registration information is inserted in the request message, and when the customer business registration information is confirmed, the payment amount approved through the customer payment means is processed as the purchase (or expenditure) details of the customer, and the merchant It relates to a sales purchase management system including a bansa server to process the sales (or income) of the history.

With the recent surge in cardholders (individuals or corporations) and the expansion of card payment-related infrastructure, card payments have become more frequent due to ease of use compared to conventional cash payments.

However, although the value-added services for individual customers have evolved in a variety of ways, in reality, the value-added services for operators are still insignificant.

On the other hand, in Korea, the VAT is required to be issued to a person who receives a tax invoice stating the business registration number, etc., when a business registered as a taxpayer supplies goods or services.

The tax invoice shall include the registration number and name or name of the supplier, the registration number of the recipient, the value of supply and value-added tax, the date of preparation, etc., and the supply items, unit price and quantity, and the type of transaction.

However, in the past, it is impossible to issue a tax invoice in parallel with the payment of a card, and thus, there has been a need for a supplier to prepare a tax invoice (for example, by handwriting or through a program).

In addition, when tax invoices were issued, the hassle of suppliers and suppliers to periodically send them to their accountant's office or to a competent public authority.

An object of the present invention for solving the above problems, receiving the full payment approval request message containing the customer payment means information, payment amount information and merchant information from the card terminal, the customer business registration information item, and receiving the Checking whether the customer business registration information is inserted in the customer business registration information item on the payment approval request specialist, and checking the payment approval request for the full text of the payment approval request when the customer business registration information is confirmed; and When the payment is approved, the payment amount approved through the customer payment means is processed as a purchase (or expenditure) for the customer business registration information, and the sales (or income) for the merchant business registration information registered in bansa. It is to provide a sales management method comprising the step of processing.

Sales purchase management system according to the present invention, using one or more customer payment means, and IC card stored customer registration certificate information-business registration number, corporate registration number, business status, industry, issue date, address, representative name, issuing agency- A card terminal which performs payment processing and reads the customer business registration certificate information from the IC card and inserts it into the payment approval request message when generating a payment approval request message including the customer payment means, payment amount and merchant information; Check whether the customer business registration information is inserted in the full payment approval request received from the card terminal, and when the customer business registration information is confirmed, the customer purchases (or spends) the payment amount approved through the customer payment means. Including the bansa server to process the details, and to process the sales (or income) details of the merchant It is characterized by.

According to the present invention, the bansa server, in connection with the affiliated store information, characterized in that for confirming the affiliated store business registration certificate information provided in the bansa.

According to the present invention, the bansa server is characterized in that the generation of tax invoice information including the customer business registration information, merchant business registration information and payment information approved payment.

On the other hand, the sales purchase management method according to the present invention, the customer payment means information, payment amount information and the merchant information from the card terminal, and receiving the full payment approval request including a customer business registration information item, and receiving the Checking whether the customer business registration information is inserted in the customer business registration information item on the payment approval request full text, and checking the payment approval request full text when the customer business registration information is confirmed and the payment Upon approval, the payment amount approved through the customer payment means is processed as a purchase (or expenditure) details of the customer business registration information, and processed as sales (or income) for the merchant business registration information registered in bansa. Characterized in that it comprises a step.

According to the present invention, the sales purchase management method is characterized in that it further comprises the step of confirming the affiliated store business registration certificate information provided in the bansa in connection with the affiliated store information.

According to the present invention, the sales purchase management method, the step of generating tax invoice information including the customer business registration information and the merchant business registration information and the payment amount of payment information approved and the tax invoice information set in advance Characterized in that it further comprises the step of transmitting to the bill recipient.

According to the present invention, the customer business registration information item is an information item including one or more business registration number, corporation registration number, business status, type of business, issue date, address, representative name, issuer, or customer business registration information on the network. Characterized in that the information item including the storage location information for storing.

On the other hand, the present invention includes a recording medium characterized by recording a program for realizing the aforementioned sales purchase management method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto.

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

1 is a diagram illustrating a business information registration system for registering business registration certificate information according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined merchant business operator registers a business registration number, a company registration number, a business status, a business type, an issue date, an address, and a representative's name for registration of the business registration certificate information through a predetermined information registration interface. When providing the business registration certificate information including at least one, the business information registration system in the predetermined business registration number, corporate registration number, business status, type of business, issue date, address, representative name included in the provided business registration certificate information by the predetermined process As a system configuration for storing in the storage medium 130 of the present invention, those skilled in the art to which the present invention belongs, the reference to or modifying the present invention in the business information registration system configuration for registration of business registration certificate information It will be possible to infer various implementation methods for the present invention. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the business registration certificate information provided from the affiliated store operator on the storage medium 130 through a predetermined information registration interface on the business information registration system shown in FIG. The component is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a business information registration system for registering a business registration certificate information includes an information registration terminal including a counter terminal provided in a van operator associated with at least one affiliate store. Characterized in that, the information registration terminal is connected to the communication channel and the information registration server 100 provided on the operator information registration system through a predetermined network.

According to an exemplary embodiment of the present invention, the affiliated store operator visits the van operator to register the operator registration information, and registers the operator registration information through a window provided to the van operator (or through a window employee). After filling out the application form (e.g., a document with a form for filling in at least one information item for registration of business registration information), and submitting the completed application form to the counter clerk, the counter clerk will use a predetermined counter terminal. The information entered in the application is input (or selected), and the teller terminal transmits the input (or selected) information to the information registration server 100 provided on the business information registration system through the network. desirable.

Here, the window terminal preferably comprises an administrator terminal used by the window staff provided in the van operator.

In the business information registration system as described above, the application form prepared by the affiliated store operator, the window terminal used by the window staff, and the network connecting the window terminal and the information registration server 100 are provided by the business operator. It performs the function of the information registration interface for registering the business registration certificate information for registration.

The storage medium 130 provided on the business information registration system according to the present invention includes the business registration number, corporation registration number, business status, type of business, issue date, address, included in the business registration certificate information provided from the information registration terminal. Characterized in that the representative name is stored in a predetermined storage medium 130, characterized in that stored in the storage medium 130, the business registration number, corporate registration number, business status, type of business, issue date, address, representative name, issue Business registration certificate information including at least one institution is used for registration of the business registration certificate information.

According to one embodiment of the invention, the storage medium 130 is preferably provided in the DBMS on the van operator system provided on the operator information registration system (or associated with the operator information registration system), thereby The present invention is not limited.

The information registration server 100 provided on the business information registration system according to the present invention is a generic term for the components of the business information registration system connected to the information registration terminal through a predetermined network, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined network, the interface unit 105 establishes a communication channel with the window terminal based on a protocol stack defined in the network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using a communication protocol defined in the information registration related program provided in the window terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined business registration certificate information from the information registration terminal and providing the information registration terminal to the information registration terminal; The information receiving unit 115 for receiving predetermined business registration information transmitted from the information registration terminal (or selected) through the user interface in conjunction with the unit 105 and validity of the received business registration information; Validation unit 120 to confirm, and the business registration number, corporate registration number, type of business, type of business, foot included in the business registration certificate information is confirmed validity Characterized in that it comprises a data storage unit 125 for storing in a predetermined storage medium 130 by processing the row date, address, representative name, issuer.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) business registration certificate information and transmit it to the information registration server 100 through the network, or extract from a predetermined database (not shown), and the interface unit 105 And the user interface generated (or extracted) to the information registration terminal through the network.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the business registration certificate information to the information registration terminal and transmitting the information to the information registration server 100 through the network. When the program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) business registration information including at least one of the business registration number, the corporation registration number, the business status, the business type, the publication date, the address, the representative's name, and the issuer based on the user interface. And transmits the input (or selected) business registration certificate information to the information registration server 100 through the network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined network, the interface providing unit 110 provides a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 105.

The information receiving unit 115 inputs a business registration certificate information including at least one of a business registration number, a corporation registration number, a business status, a business type, an issue date, an address, a representative's name, and an issuer through the user interface at the information registration terminal ( Or select) to transmit through the network, the business registration certificate information is received in association with the interface unit 105, and the received business registration certificate information is provided to the validity verification unit 120.

The validity confirming unit 120 checks whether the business registration certificate information received from the information registration terminal satisfies the validity for registering the business registration certificate information.

According to the implementation method of the present invention, the validity confirmation of the business registration certificate information is included in the business registration certificate information, the business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuing agency the business information It is preferable to include a business registration number, corporate registration number, type of business, type of business, issue date, address, representative name, matching with the issuer that is inquired from the public institution associated with the registration system.

When the validity of the business registration certificate information is confirmed, the information storage unit 125 stores the business registration number, corporation registration number, business status, type of business, issue date, address, representative name included in the business registration certificate information by the processing And storing the information on the medium 130, and when the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage. The unit 125 preferably stores and stores the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer included in the received business registration certificate information in the storage medium 130. Do.

2 is a diagram illustrating a process of registering business registration certificate information according to an embodiment of the present invention.

In more detail, in FIG. 2, in the case where the information registration server 100 on the operator information registration system shown in FIG. 1 is provided in the van operator system linked to the counter terminal through a predetermined network, After connecting to the information registration server 100 and connecting a communication channel for registering business information according to the present invention, the business registration number, corporate registration number, business status, business type to the information registration server 100 through the communication channel When the business registration certificate information including the issuance date, address, representative name, issuer is transmitted, the business registration number, corporation registration number, business type, business type, included in the received business registration certificate information in the information registration server 100, The present invention relates to an implementation method of linking a publication date, an address, a representative's name, and an issuer to a predetermined storage medium 130, and to a technical field of the present invention. Those skilled in the art will be able to infer various implementation methods for registering the business registration certificate information with the information registration server 100 in the window terminal by referring to or modifying the drawing 2, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the window terminal shown in FIG. 1 will be referred to as a "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as a "server" for convenience, and the information will be registered in the window terminal. The business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuer to be transmitted to the server 100 is referred to as "business registration certificate information" for convenience.

Referring to FIG. 2, the window terminal shown in FIG. 1 connects a predetermined communication channel for registering the business registration information by accessing the server through a predetermined network, and the business operator for registering the business registration information. When requesting registration information registration (200), the server generates (or extracts) a predetermined information registration interface for registering the business registration information (205), the information generated (or extracted) through the communication channel The registration interface is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface inputs business registration certificate information including at least one of the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer in the terminal ( Or a user interface).

Thereafter, the terminal inputs (or selects) business registration certificate information including at least one or more business registration number, corporation registration number, business status, business type, issue date, address, representative name, and issuer through the information registration interface (215). .

If the terminal receives (or selects) business registration certificate information including the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer through the information registration interface (220), The terminal transmits the business registration certificate information including the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer to the server through the network (225).

Thereafter, the server receives and reads the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer through the network to check the validity of the business registration certificate information (230).

According to the implementation method of the present invention, the validity confirmation of the business registration certificate information is included in the business registration certificate information, the business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuing agency the business information It is preferable to include a business registration number, corporate registration number, business status, type of business, issuance date, address, representative name, matching with the issuing institution that is inquired from the public institution associated with the registration system.

If the validity of the business registration certificate information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and does not perform an information registration procedure corresponding to the business registration certificate information. Do not.

On the other hand, if the validity of the business registration certificate information is authenticated (235), the server performs the information registration procedure corresponding to the business registration certificate information, the business registration number, corporation registration number, business status, type of business, issue date, address, representative The name is linked and stored in a predetermined storage medium 130 (245).

According to one embodiment of the invention, the storage medium 130 is preferably provided in the DBMS on the van operator system provided on the operator information registration system (or associated with the operator information registration system), thereby The present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the business registration certificate information transmitted from the terminal.

3 is a diagram illustrating a business information registration system for registering business registration certificate information according to another embodiment of the present invention.

In more detail, Figure 3 shows that a predetermined merchant business operator registers a business registration number, a company registration number, a business status, a business type, an issue date, an address, a representative's name, If the business registration certificate information including at least one issuer is provided, the business registration number, corporation registration number, type of business, type of business, issuance date, address, representative name, issuance included in the business registration certificate information provided by the business information registration system. As a system configuration for storing a predetermined storage medium 330 by interworking with an institution, those skilled in the art to which the present invention pertains refer to or modify this drawing 3 to register business registration information. It would be possible to infer various implementation methods for the company information registration system. It said method includes all embodiments in which the inference, shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, at least one means or function configuration for storing the business registration certificate information provided from the affiliated store operators in the storage medium 330 through a predetermined information registration interface on the business information registration system shown in FIG. The component is referred to as "information registration server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the business information registration system for registering the business registration certificate information includes at least one or more client terminals including at least one wired terminal or a wireless terminal used by a merchant business. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 300 provided on the operator information registration system through a predetermined network means.

According to one embodiment of the present invention, the affiliated store operator accesses the information registration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the business registration card information for registering the business registration card information is input (or selected) through at least one user interface provided by the information registration server 300, the client terminal receives a user network registration information through the predetermined network means. It is preferable to transmit to the information registration server 300 provided in.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or A wireless device connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the operator information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the merchant operator, at least one wired communication network connecting the client terminal and the information registration server 300 or The wireless communication network performs a function of an information registration interface for registering the business registration certificate information for the merchant business registration information.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or may further include a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and the present invention is not limited thereto.

In the operator information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the information registration server 300. The wired telephone network or the wireless telephone network performs a function of an information registration interface for the affiliated store operator to register the business registration certificate information for registration of the business registration certificate information.

The storage medium 330 provided on the business information registration system according to the present invention includes the business registration number, corporation registration number, business status, type of business, issue date, address, included in the business registration certificate information provided from the information registration terminal. Representative name, the issuer is linked to the processing characterized in that the storage is stored in a predetermined storage medium 330, the business registration number, corporate registration number, business status, type of business, issue date, address, representative stored in the storage medium 330 Business registration certificate information including at least one name, issuer is used for registration of the business registration information.

According to one embodiment of the invention, the storage medium 330 is preferably provided in the DBMS on the van operator system provided on the operator information registration system (or associated with the operator information registration system), thereby The present invention is not limited.

The information registration server 300 provided on the business information registration system according to the present invention is a generic term for the components of the business information registration system connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, 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 communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a 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 embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. 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 embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined business registration certificate information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined business registration information inputted (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the unit 305, and the information included in the received business registration information. Information stored in a predetermined storage medium 330 by linking the business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuer It is characterized by comprising a storage unit 325.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) business registration certificate information and transmitting it to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit ( In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) business registration information including at least one of the business registration number, the corporation registration number, the business status, the business type, the publication date, the address, the representative's name, and the issuer based on the user interface. And transmits the input (or selected) business registration certificate information to the information registration server 300 through the network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the business registration certificate information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. When the registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs the business registration certificate information including at least one of a business registration number, corporation registration number, business status, type of business, issue date, address, representative name, issuer through the user interface in the information registration terminal ( Or select) to transmit through the network means, and receives the business registration certificate information in association with the interface unit 305, and provides the received business registration certificate information to the validity verification unit 320. .

The validity confirming unit 320 checks whether the business registration certificate information received from the information registration terminal satisfies the validity for registering the business registration certificate information.

According to the implementation method of the present invention, the validity confirmation of the business registration certificate information is included in the business registration certificate information, the business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuing agency the business information It is preferable to include a business registration number, corporate registration number, type of business, type of business, issue date, address, representative name, matching with the issuer that is inquired from the public institution associated with the registration system.

When the validity of the business registration certificate information is confirmed, the information storage unit 325 processes the business registration number, corporate registration number, type of business, type of business, issue date, address, representative name, issuer, issuer included in the business registration certificate information When the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300, the storage medium 330 is stored in the storage medium 330. The information storage unit 325 is stored in the storage medium 330 by integrating the business registration number, corporate registration number, business status, type of business, issue date, address, representative name, issuing agency included in the received business registration certificate information It is desirable to.

4 is a diagram illustrating a process of registering business registration information for registering business registration information according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case in which the information registration server 300 on the business information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 and connecting a communication channel for registering the business information according to the present invention, the business registration number, corporation registration number, business status, to the information registration server 300 through the communication channel When the business registration certificate information including the type of business, issue date, address, representative name, issuer is transmitted, the business registration number, corporation registration number, business status, type of business included in the received business registration certificate information from the information registration server 300 , The date of issue, address, representative name, issuing method for the implementation method for storing in a predetermined storage medium 330 by linking process, the present invention Those skilled in the art will be able to infer various implementation methods for registering the business registration certificate information from the client terminal to the information registration server 300 by referring to or modifying the present invention. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuer to send to the server 300 is referred to as "business registration certificate information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile Connecting a predetermined communication channel for registering the business registration information by accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., and requesting registration of the business registration information for registration of the business registration information; 400, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the business registration certificate information (405), and displays the generated (or extracted) web page through the communication channel. Transmission to the terminal outputs (410).

According to an embodiment of the present invention, the information registration interface inputs business registration certificate information including at least one of the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer in the terminal ( Or a user interface).

In addition, the web page transmission or output process is preferably performed at least once according to the business registration certificate information registration procedure, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) business registration certificate information including at least one or more business registration number, corporation registration number, business status, business type, issue date, address, representative name, and issuer through the information registration interface (415). .

If the terminal receives (or selects) the business registration certificate information including the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer through the information registration interface (420), The terminal transmits the entered (or selected) business registration number, corporation registration number, business status, type of business, issue date, address, representative name, issuer through the communication channel to the server (425).

According to the embodiment of the present invention, the input (or selection) of the business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuer is transmitted to the server through the communication channel. The method may further include electronically signing or encrypting the business registration certificate information input (or selected) through the information registration interface to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the business registration number, corporation registration number, business status, type of business, issue date, address, representative name, and issuer through the communication channel to check the validity of the business registration certificate information (430). .

According to the exemplary embodiment of the present invention, checking the validity of the business registration certificate information may include decrypting the business registration certificate information when the business registration certificate information is electronically signed or encrypted through a security module provided in the terminal, or It may further comprise decoding the business registration certificate information.

According to the implementation method of the present invention, the validity confirmation of the business registration certificate information is included in the business registration certificate information, the business registration number, corporation registration number, type of business, type of business, issue date, address, representative name, issuing agency the business information It is preferable to include checking whether the business registration number, corporate registration number, type of business, type of business, issue date, address, name of representative, and issuance authority matched by a public institution associated with the registration system.

If the validity of the business registration certificate information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), the information corresponding to the business registration certificate information Do not perform the registration process.

On the other hand, if the validity of the business registration certificate information is authenticated (435), the server performs the information registration procedure corresponding to the business registration certificate information, the business registration number, corporation registration number, type of business, type of business, issue date, address, representative The name and the issuer are interworked and stored in the predetermined storage medium 330 (445).

According to one embodiment of the invention, the storage medium 330 is preferably provided in the DBMS on the van operator system provided on the operator information registration system (or associated with the operator information registration system), thereby The present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the business registration certificate information transmitted from the terminal.

5 is a diagram illustrating a system configuration for managing sales and expenses of operators and merchants when paying a card through a card provided with business registration certificate information according to an exemplary embodiment of the present invention.

In more detail, Figure 5 is a payment authorization request full or business information containing the business registration certificate information transmitted from the card terminal when the payment processing through a predetermined payment channel using the card with the business registration information shown in Figure 6 below In the process of performing payment processing based on the registration certificate information and the payment approval request, the system for processing the purchase history of the operator corresponding to the payment processing and the sales history of the merchant, in the technical field to which the present invention belongs If the person with ordinary skill in the art can refer to or modify the drawing 5 to process the purchase history of the operator and the sales history of the merchant through the payment approval request text or the business registration information and the payment approval request text including the business registration information. Various implementation methods for the system configuration to be processed may be inferred, but the present invention Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

Referring to FIG. 5, a system for processing a purchase history of a business operator and a sales history of an affiliate store through a payment approval request text or a business registration information and a payment approval request text including the business registration certificate information may be provided to a predetermined affiliate store. In connection with the provided card terminal and the card company server 555 to perform the payment approval processing corresponding to the payment approval request full text, the full payment approval request or business registration certificate information and payment approval request information including the business registration information It is characterized in that it comprises a server 500 for processing the purchase history of the operator through the sales history of the merchant and the card company server 555 for performing the payment approval processing corresponding to the full payment approval request.

In Figure 5, the server 500 for processing the purchase history of the operator and the sales history of the merchant through the payment approval request full or the business registration information and payment approval request including the business registration information in one server (500) Although illustrated in FIG. 6, this is only an exemplary method for effectively describing the technical features of the present invention, and various functional components constituting the server 500 are implemented through at least two or more separate servers 500 (or devices). The present invention is not limited thereto.

In addition, the server 500 for processing the purchase history of the operator and the sales history of the merchant through the payment approval request full or business registration certificate information and payment approval request that includes the business registration certificate information on the value-added communication network (VAN) It may be provided, or provided in the bansa server 500, or interlock with the bansa server 500, whereby the present invention is not limited.

Referring to FIG. 5, the card terminal includes at least one CAT (Credit Authorization Terminal) or a Point of Sales (POS) terminal having a payment function, and includes at least one card reader. After reading predetermined payment means information and business registration information from the card, inputting a payment amount through a predetermined key input device, payment approval including the card information, payment amount and merchant information and business registration information. It is characterized in that for generating the request message to transmit the payment approval request full text including the generated business registration certificate information to the server 500 through a payment approval communication network (for example, value-added communication network (VAN)).

According to another exemplary embodiment of the present invention, the card terminal reads predetermined payment means information and business registration information from the card through at least one or more card readers, and inputs a payment amount through a predetermined key input device. Thereafter, the payment approval request message including the card information, the payment amount, and the merchant information is generated to generate the payment approval request message and the business registration certificate information through a payment approval communication network (eg, a value-added communication network (VAN)). Characterized in that the transmission to the server (500).

In addition, the server 500 is provided on the value-added communication network (VAN), or provided in the bansa server 500, or bansa server 500, characterized in that the card terminal from the After receiving a payment approval request message including card information, payment amount, and merchant information and business registration information, the payment approval request message is provided to a card company server 555 corresponding to the payment means, and the payment approval request is made. Characterized in that the payment approval processing of the payment amount contained in the full text.

In addition, the server 500, after receiving the payment approval request full text and business registration information including the card information, payment amount and the merchant information from the card terminal, and corresponding to the payment means full payment approval request It is provided to the card company server 555, characterized in that the payment approval processing of the payment amount contained in the full payment approval request.

According to the present invention, the server 500 is in the process of the payment approval process based on the payment approval request message transmitted from the card terminal, the payment approval request full text or business registration information including the business registration information and Characterized by processing the purchase history of the operator and the sales history of the merchant through the payment approval request full text.

According to an exemplary embodiment of the present invention, the server 500 stores a business registration certificate information corresponding to a business registered through the information registration system shown in FIG. 1 or 3, and the payment approval. If the payment processing corresponding to the request message is successfully performed, the business information for requesting the card payment approval, the expenditure history information according to the payment processing, the tax invoice information issued according to the payment processing, and the card use affiliate store Operator expenditure management D / B for linking and storing information, the card use merchant information, sales history information according to the payment processing, tax invoice information issued according to the payment processing, and the card use business operator (customer) A) merchant sales management D / B for storing and linking the information, or the operator expense management D / B and the merchant sales Lee D / linked with a predetermined operating the DBMS or B, or the operator spend management D / B and the DB server 500 is provided with the merchants sales management D / B is preferred to work with (not shown).

Referring to FIG. 5, the server 500 connects and manages a communication channel for transmitting and receiving payment-related professional communication with at least one card terminal through a communication network including at least one value-added communication network (VAN) or a financial common network. A professional receiving unit 510 for receiving a payment approval request text including at least one of card information, payment amount, merchant information and business registration information from the card terminal in association with the interface unit 505. And the card information verification unit 520 for confirming card company information corresponding to the payment means included in the received payment approval request text, and the card company server 555 corresponding to the checked payment means. Transmitting information corresponding to the full payment approval request from the card company server 555 and the information transmission unit 525 for requesting payment approval processing. That formed by having an approved payment authorization receiver for receiving a subscription (530) and a specialized transmission section 515 for transmitting to said card terminal generates a payment authorization response message corresponding to the payment authorization features.

Through the process of FIGS. 8 to 10, the card terminal reads the card information (payment means information) through a predetermined card reader, and includes the card information, the payment amount, the merchant information and the business registration information. After generating the approval request message and transmitting it through the communication network, the expert receiving unit 510 may receive the payment approval request message including the business registration certificate information in association with the interface unit 505.

According to another exemplary embodiment of the present invention, the specialized receiving unit 510 may receive the full payment approval request message including the card information, the payment amount and the affiliated store information and the business registration certificate information from the card terminal.

The card information confirming unit 520 confirms card company information corresponding to a payment method included in the full payment approval request message received through the specialized receiving unit 510, and the confirmed card company information is transmitted to the information. Provided to section 525.

The information transmission unit 525 is a card company server 555 corresponding to the payment means confirmed through the card information confirmation unit 520, the payment approval request details (or payment approval request details corresponding to the payment approval request professional) (Or information)) to request payment approval processing.

The payment approval history receiving unit 530 transmits the payment approval request message (or payment approval request details (or information) corresponding to the payment approval request message) through the information transmitting unit 525, and then the card company server ( 555 to receive the payment approval details corresponding to the full payment approval request.

The specialized transmission unit 515 generates a payment approval response message corresponding to the received payment approval details when the payment approval details corresponding to the full payment approval request message are received through the payment approval history receiver 530. Characterized in that the transmission to the card terminal.

Referring to FIG. 5, after the server 500 transmits the payment approval request message (or payment approval request details (or information) corresponding to the payment approval request message) through the information transmission unit 525, When the payment approval history is received from the card company server 555 corresponding to the full payment approval request message, and the payment approval history is normally approved, the service provider information and the merchant information corresponding to the full payment approval request message or the payment approval history and An information checking unit 535 for confirming the payment approved amount, and an information processing unit for processing the payment approved amount as the expenditure amount of the operator and processing the payment amount for the affiliated store with the payment approved amount ( 540) and information for storing the payment amount processing details of the operator in the operator expense management D / B and storing the sales amount processing details of the merchant in the merchant sales management D / B. Provided with a cog (545) is characterized in that formed.

The information checking unit 535 confirms the operator information and the merchant information corresponding to the full payment approval request or the payment approval details and the amount of the approved payment, and the confirmed operator information and the merchant information and payment approval. The processing amount information is provided to the information processing unit 540.

In addition, the information confirmation unit 535 is included in the full payment approval request or transmitted with the full payment approval request, characterized in that for confirming the business registration certificate information corresponding to the business.

In addition, the information verification unit 535 is characterized in that whether the payment approval request information includes a business registration certificate information corresponding to the business operator.

In addition, the information check unit 535 is characterized in that for confirming the merchant registration information for the merchant registration corresponding to the merchant information included in the full payment approval request.

The information processing unit 540 processes the payment approved amount of money as the expenditure amount of the operator, and the payment approved amount of money to process the sales amount of the affiliated store, and the processing history stores the information. Provided to portion 545.

According to the method of the present invention, the information processing unit 540 in the process of processing the payment approved amount of money as the expenditure amount of the operator or in the process of processing the payment amount of the payment approval processing amount of the merchant, Characterized in that the tax invoice information corresponding to the payment approval process is generated using the business registration information of the business operator and the domestic business registration certificate information of the merchant.

Here, it is preferable that the tax invoice includes a tax invoice for the operator (eg, a tax invoice for a recipient) and a tax invoice for the merchant (for example, a tax invoice for a supplier).

According to an exemplary embodiment of the present invention, the information processing unit 540 generates the payment approved amount of money as the payment amount of the operator or the payment approved amount in the process of processing the amount of sales of the affiliated store. (Or issuing) is characterized in that periodically providing the tax invoice information to the accountant office server 500 (or terminal) or the jurisdiction public institution server 500 (or terminal).

According to an exemplary embodiment of the present invention, the information processing unit 540 generates the payment approved amount of money as the payment amount of the operator or the payment approved amount in the process of processing the amount of sales of the affiliated store. (Or issuance) characterized in that it provides the tax invoice information to the predetermined tax invoice recipient.

On the other hand, according to an embodiment of the present invention, the server 500 may further comprise an information transmission unit 525 for transmitting the tax invoice issuance details to the operator communication means and merchant communication provider.

In addition, the information transmission unit 525 is characterized in that for transmitting the report details of the accountant office or the jurisdiction public institution of the issued tax invoice to the operator communication means and affiliated store operator communication means.

6 is a diagram illustrating an IC card in which predetermined business registration certificate information is stored according to an embodiment of the present invention.

In more detail, Figure 6 is an embodiment of the IC card for storing the business registration information for printing the tax invoice when paying the card, for convenience, Figure 6 is a business registration information according to the present invention in the memory of the contact IC card As shown in FIG. 6, a person having ordinary knowledge in the technical field to which the present invention belongs may infer various implementation methods of providing the business registration certificate information to the memory of the IC card by referring to or modifying the present invention. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to the standards including ISO / IEC 7816 or ISO / IEC 14443, the IC chip of the IC card that stores the business registration information for the tax invoice output at the time of the card payment is supplied with a power supply (VCC) and a reset signal (RST). Input / output interface 600 for communicating with the card terminal (eg, exchanging commands or data) via contact points such as clock signal CLK, ground GND, programming power supply (VPP), or input / output (I / O), etc. And a processor unit 605 including at least one computing element including a central process unit (CPU), a micro process unit (MPU), a coprocessor, and the like, a read only memory (ROM) and a random access memory (RAM). And a memory unit 610 including at least one memory device including an access memory, an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like, and in particular, at least one of the memory devices. A child (eg, a ROM) stores a Chip Operating System (COS) for managing and operating an IC card internal resource, which is predetermined from a card terminal through a power supply (VCC) contact point of the input / output interface 600. When power is supplied, the COS stored in the memory unit 610 is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock frequency of the contact point of the clock signal CLK (eg, 3.57 MHz or 4.9 MHz). Control information or data exchange between the IC chip and the card terminal through an APDU (Application Protocol Data Unit).

According to the present invention, the memory unit 610 of the IC chip terminates at least one or more programs of the programs loaded and loaded in the card terminal, and drives a specific program among a plurality of programs stored in the card terminal, Or a card application for executing a function of converting a screen configuration or a function set in the card terminal into a specific screen configuration or a specific function, wherein the card application is read by a terminal program and read or used. The data unit 620 stores a data set corresponding to the information or data of the processor, and is operated or driven by the operation function of the processor unit 605 and an instruction set provided by the COS, and used by the terminal program. Program routines (e.g., Javacard) JAVA Applet) is provided with a processing unit 615 corresponding to an application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed by the processor unit 605. In particular, the processor 615 reads a command provided from the terminal program via the input / output interface 600 through an APDU, and based on the read command, at least one or more information stored in the data unit 620 or Read or record data, and provide the result or read information or data to the terminal program via the input and output interface 600 through the APDU.

According to a preferred embodiment of the present invention, the memory unit 610 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 610 may include a chip serial number (CSN). And a protected area storing the same secret information, a COS control area, a user application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like. It is preferably stored in an area except the protection area and the COS control area.

In addition, according to the ISO / IEC 7816 or ISO / IEC 14443 ICC standard, the memory unit 610 includes at least one master file (MF) corresponding to a root file and at least under the master file. Answer To Reset (ATR) including function information on one or more stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing substantial information or data for the service, the card application for the present invention also comprises such a file structure.

Referring to FIG. 6, the data unit 620 of the card application preferably includes business registration information. The business registration information may include a business number, a company registration number, a business status, a business type, an issue date, an address, and a representative's name. And at least one or more thereof.

In addition, according to the embodiment of the present invention, the data unit 620 of the card application is characterized in that it further comprises a storage location information for storing customer business registration information on the network.

The storage location information may include an IP address, a URL, and the like for a storage location corresponding to the customer business registration certificate information (or customer unique information corresponding to the business registration certificate information).

According to an exemplary embodiment of the present invention, the data unit 620 is disposed under a dedicated file (DF) corresponding to the business registration card information and the dedicated file and provides a smart card service (for example, business card registration information when paying a card). At least one element file (EF) including substantial information or data for the tax invoice output service, etc.).

7 is a diagram illustrating a functional configuration of a card terminal for performing a payment process for a card provided with business registration information according to an embodiment of the present invention.

In more detail, Figure 7 shows that when performing payment processing for the card with the business registration information, including the business registration information in the payment approval request, or transmits to the server on the network with the payment approval request. As one embodiment of a card terminal having a function, if one of ordinary skill in the art to which the present invention pertains, the business registration certificate information provided in the card by referring to or modifying the present Figure 7 to the payment approval request It may be possible to infer a variety of card terminal function configuration for including or transmitting to the server on the network with the payment approval request full text, but the technical features of the present invention is not limited by this Figure 7, all inferred It is to be understood that it includes the method of implementation.

Referring to FIG. 7, when the payment processing using the card having the business registration information as shown in Figure 6, the business registration information included in the card included in the payment approval request, or the network with the payment approval request The card terminal having a function of transmitting to a server on the top is basically a control unit 705, a memory unit 750, a card reader unit 710, a key input unit 720, a screen output unit 715, and a communication processing unit 730. And a security application module 735, a print output unit 740, and a power supply unit 725 for supplying power to the card terminal, and at least one terminal function unit (not shown) according to the intention of those skilled in the art. It is made, including.

The control unit 705 controls the overall operation of the card terminal in the functional configuration, manages the flow of information or data between each component, and is provided in the card during the payment processing using the card having the business registration information Including the business registration certificate information in the payment approval request, or at least one component provided in the card terminal for transmitting to the server on the network together with the payment approval request, characterized in that the mutual interworking and control At least one processor including a Central Processing Unit (CPU) / Micro Processing Unit (MPU), an execution memory (for example, a register or a random access memory (RAM)), and a bus for inputting and outputting predetermined data. And to perform a function specific to the card terminal in software. A predetermined program routine (Routine) or program data which is loaded from a predetermined recording medium into the execution memory and processed by the processor (hence, during payment processing using a card having the business registration information). A predetermined program recorded on a recording medium provided in the card terminal to include the business registration information provided in the card in a payment approval request text message or to transmit it to a server on a network together with the payment approval request text message; Among the functional configurations provided in the card terminal, a component capable of being processed by software is illustrated as being provided in the controller 705).

According to the exemplary embodiment of the present invention, the controller 705 may be configured with components (for example, the memory unit 750, the card reader unit 710, the key input unit 720, and the screen output unit 715 included in the card terminal). ) And the communication processing unit 730 and the security application module 735 and the print output unit 740 or the terminal function unit (not shown) according to the intention of the skilled person) to the electronic payment service defined in the card terminal. In addition to controlling and managing the offer, when processing payment using a card having the business registration information according to the present invention, the business registration information included in the card is included in the payment approval request or the payment approval request text. In order to transmit to the server on the network together with the components provided in the card terminal interworking control, or payment using a card having the business registration information During the processing, the program registration information included in the card is included in the payment approval request message, or the program recorded on the recording medium provided in the card terminal is transmitted to the server on the network together with the payment approval request message. It is preferable.

The memory unit 750 stores a predetermined program routine (or code) or program data (for example, information or data input and output when an operation by the program routine (or code) is performed) for controlling the overall operation of the card terminal. A general term of non-volatile memory for storage, and includes at least one or more storage means, including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory) or HDD (Hard Disk Drive), The predetermined program routine and program data (for example, data input or outputted by the program routine to perform a predetermined function) required for the control unit 705 to perform a predetermined control function are stored.

According to an embodiment of the present invention, the memory unit 750 stores the business registration information corresponding to the business operator having the card terminal, the accounting office information for the business operator, and the public institution jurisdiction information for the business operator. desirable.

The service provider who receives the expenditure history service using the business registration information provided in the card according to the present invention through the card terminal is a contact IC card (or wireless IC chip) or ISO / IEC based on the ISO / IEC 7816 standard. Based on the 14443 standard and possesses (or owns) a card including at least one contactless IC card (or wireless IC chip), the card reader unit 710 may store at least one or more information or data included in the card. An interface for reading is provided. An embodiment of the card will be described with reference to FIG.

According to an embodiment of the present invention, the card reader unit 710 may provide a contact IC reader unit providing an interface between the contact IC card and the card terminal, or an interface between the contactless IC card and the card terminal. It comprises a contactless IC reader.

The contact IC reader unit is a card reader unit 710 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the card terminal.

The contactless IC reader unit is a card reader unit 710 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 includes an antenna, supplies power to the IC chip of the IC card through the antenna, and transfers predetermined information or data from the IC chip to the card terminal through the half-duplex transaction using an APDU. Interfacing.

If the card terminal is provided with an MS reader for reading an MS card, the MS reader is a card reader 710 based on ISO / IEC 7810 and includes at least one magnetic head including a predetermined coil. And an MS card having predetermined information (for example, magnetized binary data) is moved in a predetermined direction in close contact with the magnetic head (or the magnetic head has predetermined information recorded therein). In close contact with the MS card), a predetermined electrical signal is loaded into the magnetic head to interface predetermined information or data from the at least one track included in the MS of the MS card to the card terminal. It is characterized by.

According to the exemplary embodiment of the present invention, the card reader unit 710 may be provided with predetermined card information (eg, a credit card provided in the card) from at least one or more card reader units 710 for the electronic payment service defined in the card terminal. , Payment means information corresponding to a payment means including at least one of a check card, a debit card, a cash card, and a financial account), and furthermore, according to the present invention, payment processing using a card having business registration information. In the case, it is preferable to include the business registration certificate information provided in the card in the payment approval request text message or to read predetermined business registration information information from at least one or more cards for transmission to the server on the network together with the payment approval request text message. .

According to the implementation method of the present invention, the business registration certificate information is characterized in that it comprises at least one or more business number, corporation registration number, business status, type of business, issue date, address, representative name, issuing agency.

In addition, according to the embodiment of the present invention, the business registration certificate information is characterized in that it further comprises accounting office information or jurisdiction public institution information in charge of the business operator corresponding to the business registration information provided on the card.

The key input unit 720 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the device, and receives predetermined information (or signal) from a predetermined key button provided in the key input device in a specific input mode or operation mode of the card terminal controlled by the controller 705. ) Is input, generates a key event corresponding to the input information (or signal), and provides the generated key event to the controller 705, wherein the controller 705 is the card terminal. Obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the terminal, or executing a predetermined function matched with the key event; It is characterized by obtaining a word. The key input unit 720 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the card terminal.

The key input device interoperating with the key input unit 720 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 720 may obtain key data (eg, a payment amount) corresponding to the electronic payment service from at least one key input device for the electronic payment service defined in the card terminal. It is preferable to perform a function of a key input means for receiving an input, and also include the business registration certificate information provided in the card in the payment approval request text when the payment processing using the card having the business registration information according to the present invention. In the payment processing using a card including the business registration information from the key input device to transmit the server with the payment approval request message to the server on the network, the business registration information included in the card is included in the payment approval request text. Or, to transmit to the server on the network with the payment approval request full text It is preferable to perform at least the functions of the key input means for inputting one or more key data required by the.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 720 uses a card including the business registration certificate information according to the present invention in an initial mode or a general payment mode of an operation mode of the card terminal. At the time of payment processing, it is possible to include the business registration certificate information included in the card in the payment approval request text message, or a key button for switching to a function for transmitting to a server on the network together with the payment approval request text message.

The screen output unit 715 includes a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 705 while the card terminal performs a predetermined function (for example, an electronic payment processing function). At least one information or data that is predefined or defined in real time to be output to a predetermined screen output device to output through a predefined interface screen, the screen output unit 715 and the screen output device is In conjunction with each other to perform the function of the screen output means provided in the card terminal.

The predefined information or data to be output from the card terminal to the screen output device may be key data input through the key input unit 720 or information stored or generated by a component included in the card terminal. Or data), information (or data) transmitted and received through the communication processing unit 730, or (or data) corresponding to a predetermined operation result performed by the card terminal.

According to a preferred embodiment of the present invention, the screen output unit 715 of the screen output means 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 card terminal It is preferable to perform a function, and when the payment processing using the card having the business registration information according to the present invention, the business registration information included in the card included in the payment approval request, or the payment approval request In addition, it is preferable to perform a function of a screen output means for outputting a processing screen corresponding to the step of reading / extracting / transmitting the business registration information provided in the card to the screen output device for transmission to the server on the network.

The communication processor 730 may be connected to a server or the card terminal that is connected through a payment network (eg, a value added network (VAN)) while the card terminal performs a predetermined function (eg, an electronic payment processing function). It provides a predetermined communication means for connecting a communication session with a terminal (or device) connected via a predetermined cable or a terminal (or device) connected with the card terminal via a predetermined short-range wireless communication, A network communication unit for connecting a predetermined communication channel with a server on a wired / wireless network, a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, or at least one short-range wireless communication means. Short-range wireless communication for connecting a predetermined short-range communication terminal (or device) device with a predetermined communication session It comprises a portion, and comprises a communication protocol or driver for connecting the communication channel (or communication session) in software.

The network communication unit includes a predetermined wired network or a mobile communication network or wireless data including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server on a wired or wireless network through a predetermined wireless network including a communication network. A modem or a network interface for connecting the card terminal to a predetermined wired or wireless network in hardware. Card), and includes a communication protocol or driver for software to connect the card terminal to the wired / wireless 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). And a short-range wireless communication session with a predetermined terminal (or device) through at least one short-range wireless communication means, and includes the infrared communication, RF communication, Bluetooth, WLAN, Wi-Fi, and UWB in hardware. 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 carrier wireless terminal for mounting or detaching a predetermined wireless IC chip.

The secure application module (735) is a confidentiality (Authentication) or integrity (Integrity) or required in the process of the card terminal to perform the electronic payment or electronic payment using the card or A security device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the card terminal without using an authentication server (or server) on a payment network. Encrypts or decrypts a predetermined message (information or data) processed in the course of performing a security request function (e.g., electronic payment or electronic payment function), adds an authenticator to prevent forgery (or tampering) of the message, Or storing important key information in the process of performing the security request function. And a gong.

In general, the security application module 735 is preferably composed of a predetermined security application module 735 inserter and the security application module 735 chip, the security application module 735 chip is a chip containing at least 8 bits or more 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 735 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) or key required for the card terminal to perform a predetermined security request function. (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 acquisition protocol , Mode switching protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / delete / discard / initialization / reprocessing / cancellation command). It is preferable to make it.

The print output unit 740 selects predetermined information or data (eg, payment processing result information or data) generated as a result of, or as a result of, the card terminal performing a predetermined function (for example, an electronic payment processing function). And a printing protocol for printing the print information or data through the printing device 745 in accordance with a predetermined printing form, and outputting the printing device 745 (eg, a receipt printer). This includes the driver.

Referring to FIG. 7, an information confirmation unit 755 for reading and confirming predetermined business registration information (business registration information for recipients) from a business card through the card reader 710, and the confirmed business registration information A full text generation unit 760 for generating a full payment approval request message including a supply business registration information for a recipient and a full text for transmitting the generated payment approval request full text to a server on a payment network through the communication processing unit 730. Receive a payment approval message including a payment processing history corresponding to the payment approval request message from the server on the payment network through the transmission unit 765 and the communication processing unit 730, the payment included in the payment approval message It is provided with a specialized processing unit 770 for outputting the processing details through the screen output unit 715, or by printing the output through the print output unit 740 Characterized in that where the lure.

The information checking unit 755 is included in the full payment approval request from the business card through the card reader unit 710, or in the process of processing the electronic payment using the payment means provided in the card, or full payment approval request And verifying by reading the business registration information to be transmitted to the server on the network, the input business registration information is provided to the full text generation unit 760.

According to another exemplary embodiment of the present invention, the information checking unit 755 outputs the tax invoice from a predetermined key input unit through the key input unit 720 when the business registration certificate information stored in the card is not smoothly read. For business registration certificate information can be confirmed, the confirmed business registration certificate information is provided to the information generating unit.

In addition, when the business registration information stored in the card is not smoothly read, the information checking unit 755 extracts the business registration information from at least one terminal (or device) through the cable communication unit or the short range wireless communication unit. Can be confirmed, the confirmed business registration information is provided to the full text generation unit 760.

On the other hand, the information verification unit 755 is interlocked with the card reader unit 710 for the electronic payment processing through the card terminal, payment means for the electronic payment of at least one payment means provided in the card Characterized by reading the information, characterized in that the payment means information is provided to the full text generation unit 760.

In addition, the information confirmation unit 755 is to confirm the payment amount information for the electronic payment, in conjunction with the key input unit 720, for the electronic payment processing through the card terminal, The payment amount information is provided to the full text generation unit 760.

The full text generation unit 760 generates a full text of the payment approval request including at least one or more of the payment means information, the payment amount information, and the business registration information confirmed through the information verification unit 755. The generated payment approval request text is provided to the specialized transmission unit 765.

The specialized transmission unit 765 is characterized in that for transmitting the payment approval request full text including the business registration certificate information generated by the professional generation unit 760 to the server on the payment network through the communication processing unit 730 and In response, the server performs a predetermined payment processing procedure through the full payment approval request message, and then generates a payment processing history corresponding to one of payment approval details or payment error details corresponding to the payment processing result. A predetermined payment approval message including the payment processing history is generated and transmitted to the card terminal through the payment network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 765, the expert processing unit 770 may correspond to the payment approval request message from the server on the payment network through the communication processing unit 730. Periodically (or in response to the full text reception event of the communication processing unit 730) is received whether a full payment approval response message including a payment processing history is received.

If the payment approval message including the payment processing history corresponding to the payment approval request message is received through the communication processing unit 730, the expert processing unit 770 may include a payment processing history (eg, included in the payment approval message). Payment approval details, or payment error details) may be output through the screen output unit 715 or printed through the print output unit 740, thereby completing the electronic payment procedure. .

According to another exemplary embodiment of the present invention, the card terminal shown in FIG. 7 reads and confirms predetermined business registration information (business license information for recipients) from a business card through the card reader 710. 755 and the information transmitting unit 780 for transmitting the confirmed business registration certificate information (business registration certificate for recipients) together with a predetermined payment approval request message to the server on the payment network through the communication processing unit 730; And receiving a payment approval message including a payment processing history corresponding to the payment approval request message from the server on the payment network through the communication processing unit 730, and outputting the payment processing history included in the payment approval message. A professional processing unit 770 for outputting the screen through the unit 715 or printing the unit through the print output unit 740. It characterized.

The information confirmation unit 755 is to be transmitted to the server on the network along with the full payment approval request from the operator card through the card reader unit 710 in the process of processing the electronic payment using the payment means provided in the card Characterized by reading the registration certificate information, characterized in that the business registration information is provided to the information transmission unit 780.

According to another exemplary embodiment of the present invention, the information checking unit 755 outputs the tax invoice from a predetermined key input unit through the key input unit 720 when the business registration certificate information stored in the card is not smoothly read. For business registration certificate information can be confirmed, the confirmed business registration certificate information is provided to the information transmission unit 780.

In addition, when the business registration information stored in the card is not smoothly read, the information checking unit 755 extracts the business registration information from at least one terminal (or device) through the cable communication unit or the short range wireless communication unit. Can be confirmed, the confirmed business registration information is provided to the information transmission unit 780.

On the other hand, the information verification unit 755 is interlocked with the card reader unit 710 for the electronic payment processing through the card terminal, payment means for the electronic payment of at least one payment means provided in the card Characterized by reading the information, characterized in that the payment means information is provided to the full text generation unit 760.

In addition, the information check unit 755 checks the payment amount information for the electronic payment, in conjunction with the key input unit 720 for the electronic payment processing through the card terminal, The payment amount information is provided to the full text generation unit 760.

According to an embodiment of the present invention, the card terminal is a full text generation unit 760 for generating a full text of the payment approval request including at least one or more payment means information and payment amount information confirmed through the information check unit 755 Characterized in that it further comprises, the full text generation unit 760 provides the generated payment approval request full text to the information transmission unit 780.

The information transmission unit 780 is a payment network through the communication processing unit 730 to the business registration certificate information confirmed by the payment approval request full text generated by the professional generation unit 760 and the information confirmation unit 755. Characterized in that it is transmitted to the server on the server, and in response, the server performs a predetermined payment processing procedure through the full payment approval request, and then either one of payment approval details or payment error details corresponding to the payment processing result. Generates a payment processing history corresponding to the present invention, and generates a predetermined payment approval text including the payment processing history and transmits the card to the card terminal through the payment network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 765, the expert processing unit 770 may correspond to the payment approval request message from the server on the payment network through the communication processing unit 730. Periodically (or in response to the full text reception event of the communication processing unit 730) is received whether a full payment approval response message including a payment processing history is received.

If the payment approval message including the payment processing history corresponding to the payment approval request message is received through the communication processing unit 730, the expert processing unit 770 may include a payment processing history (eg, included in the payment approval message). Payment approval details, or payment error details) may be output through the screen output unit 715 or printed through the print output unit 740, thereby completing the electronic payment procedure. .

8 is a diagram illustrating a card terminal operation process of performing a payment process for a card provided with business registration information according to an embodiment of the present invention.

In more detail, FIG. 8 includes the business registration certificate information provided in the card in the card terminal shown in FIG. 7 in the payment approval request message, and transmits the payment approval request message including the business registration certificate information to a server on the network. As an embodiment of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may request a payment approval requesting the business registration certificate information provided in the card from the card terminal by referring to or modifying the drawing of FIG. Various implementation methods for transmitting to a server on a network including the full text may be inferred, but the technical features of the present invention are not limited to this figure, but it is understood that the implementation includes all the inferred implementation methods.

According to the exemplary embodiment of the present invention, FIG. 8 shows the business registration certificate information provided in the card to the payment approval request message in the process of receiving payment information on the card from the card terminal and performing payment processing. It is illustrated and illustrated to include or transmit to the server on the network with the full payment approval request, the present invention is not limited by the above procedure, it is obvious that the steps can be modified / changed according to the intention of those skilled in the art It is to be revealed.

In addition, FIG. 8 illustrates that the card terminal 700 encrypts the full payment approval request message according to at least one encryption method and an encryption algorithm. According to the intention of a person skilled in the art, the encryption process is performed by the card terminal. It may be carried out or omitted from, and the present invention is not limited thereby.

Referring to FIG. 8, when a card payment request is made by an operator, the card terminal outputs a predetermined payment card insertion request message through a screen output means (800), and a predetermined payment card (eg, an IC card) through the card reader. Verify that is inserted (805).

If a predetermined customer card is read through the card reader (810), the card terminal reads predetermined payment means information and business registration information from the card through the card reader (815).

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

In addition, according to the embodiment of the present invention, the business registration certificate information is characterized in that it further comprises accounting office information or jurisdiction public institution information in charge of the business operator corresponding to the business registration information provided on the card.

Thereafter, the card terminal receives payment amount information through the key input means (820), and generates a predetermined payment approval request message including the payment means information, payment amount information, merchant information and business registration information. (825).

According to an embodiment of the present invention, the payment approval request message further includes at least one or more terminal specific information provided in the card terminal, a predetermined ticket serial number assigned by the card terminal to the payment approval request message, and the like. It is preferable to make it.

If the payment approval request text including the business registration information is generated (830), the card terminal encrypts the payment approval request text with at least one encryption method and encryption algorithm (835).

According to an embodiment of the present invention, at least one encryption key for encrypting the full payment approval request is preferably provided in the security application module 735 provided in the card terminal.

If the payment approval request message is encrypted, the card terminal transmits the payment approval request message through the network (840).

Thereafter, the card terminal checks whether a payment approval response message corresponding to the payment approval request message is received from a server on a network, and if a payment approval response message is received from the server (845), the card terminal receives the received payment. The entire authorization response is read and payment processing corresponding to the read result is performed (850).

9 is a diagram illustrating a card terminal operation process of performing a payment process for a card with business registration information according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates an embodiment of a process of transmitting a business registration information provided in a card to a server on a network together with a payment approval request message. Those skilled in the art may refer to or modify this drawing 9 to infer various implementation methods for transmitting the business registration certificate information provided in the card from the card terminal to the server on the network by including the payment approval request. It is to be understood that the technical features of the present invention are not limited by this drawing, but include all the inferred implementation methods.

According to the exemplary embodiment of the present invention, FIG. 9 shows the business registration certificate information provided in the card to the payment approval request message in the process of receiving payment information of the predetermined payment means provided on the card in the card terminal. It is illustrated and illustrated to include or transmit to the server on the network with the full payment approval request, the present invention is not limited by the above procedure, it is obvious that the steps can be modified / changed according to the intention of those skilled in the art It is to be revealed.

In addition, FIG. 9 illustrates that the card terminal 700 encrypts the full payment approval request message according to at least one encryption method and an encryption algorithm. According to the intention of a person skilled in the art, the encryption process is performed by the card terminal. It may be carried out or omitted from, and the present invention is not limited thereby.

Referring to FIG. 9, when a card payment request is made by a service provider, the card terminal outputs a predetermined payment card insertion request message through a screen output means (900), and a predetermined payment card (eg, an IC card) through the card reader. Verify that is inserted (905).

If a predetermined customer card is read through the card reader (910), the card terminal reads predetermined payment means information and business registration information from the card through the card reader (915).

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

In addition, according to the embodiment of the present invention, the business registration certificate information is characterized in that it further comprises accounting office information or jurisdiction public institution information in charge of the business operator corresponding to the business registration information provided on the card.

Thereafter, the card terminal receives payment amount information through the key input means (920), and generates a predetermined payment approval request message including the payment means information, payment amount information, and merchant information (925).

According to an embodiment of the present invention, the payment approval request message further includes at least one or more terminal specific information provided in the card terminal, a predetermined ticket serial number assigned by the card terminal to the payment approval request message, and the like. It is preferable to make it.

If the payment approval request text including the business registration information is generated (930), the card terminal encrypts the payment approval request text and the business registration information by at least one encryption method and an encryption algorithm (935).

According to the method of the present invention, at least one encryption key for encrypting the payment approval request full text and the business registration certificate information is preferably provided in the security application module 735 provided in the card terminal.

If the payment approval request full text and business registration information is encrypted, the card terminal transmits the payment approval request full text and business registration information through the network (940).

Thereafter, the card terminal checks whether a payment approval response message corresponding to the payment approval request message is received from a server on a network, and when the payment approval response message is received from the server (945), the card terminal receives the received payment. The entire authorization response is read and payment processing corresponding to the read result is performed (950).

FIG. 10 is a diagram illustrating a card terminal operation process of performing a payment process for a card provided with business registration information according to another embodiment of the present invention.

More specifically, FIG. 10 illustrates an embodiment of a process of storing business registration information provided in a card in the card terminal illustrated in FIG. 7 in a memory unit 750 in the card terminal and periodically transmitting the information to a server on a network. As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may store the business registration information provided in the card in the memory unit 750 by referring to or modifying the drawing of FIG. Various implementation methods of periodically transmitting to a server on a network may be inferred, but it is to be understood that the technical features of the present invention are not limited by the drawing 10 but include all the inferred implementation methods.

According to the exemplary embodiment of the present invention, the drawing 10 illustrates that the card terminal 700 encrypts the full payment approval request message according to at least one encryption method and an encryption algorithm. Encryption processing may be performed in the card terminal or omitted, and the present invention is not limited thereby.

Referring to FIG. 10, when a card payment request is made by a service provider, the card terminal outputs a predetermined payment card insertion request message through a screen output means (1000), and a predetermined payment card (eg, an IC card) through the card reader. Verify that is inserted (1005).

If a predetermined customer card is read through the card reader (1010), the card terminal reads predetermined payment means information and business registration information from the card (1015) through the card reader.

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

In addition, according to the embodiment of the present invention, the business registration certificate information is characterized in that it further comprises accounting office information or jurisdiction public institution information in charge of the business operator corresponding to the business registration information provided on the card.

Thereafter, the card terminal receives payment amount information through the key input means (1020), and generates a predetermined payment approval request full text including the payment means information, payment amount information, and merchant information (1025).

According to an embodiment of the present invention, the payment approval request message further includes at least one or more terminal specific information provided in the card terminal, a predetermined ticket serial number assigned by the card terminal to the payment approval request message, and the like. It is preferable to make it.

If the payment approval request text including the business registration certificate information is generated (1030), the card terminal encrypts the payment approval request text with at least one encryption method and an encryption algorithm (1035).

According to an embodiment of the present invention, at least one encryption key for encrypting the full payment approval request is preferably provided in the security application module 735 provided in the card terminal.

If the payment approval request message is encrypted, the card terminal transmits the payment approval request message through the network (1040).

Thereafter, the card terminal checks whether a payment approval response message corresponding to the payment approval request message is received from a server on a network, and when a payment approval response message is received from the server (1045), the card terminal receives the received payment. The full text of the approval response is read, and payment processing corresponding to the read result is performed (1050).

In addition, the card terminal processes the payment approval details and the business registration information in association with the memory unit 750 and stores (1055), the payment approval history and business registration information stored in the memory unit 750 periodically server on the network Transmit to (1060).

According to an embodiment of the present invention, the card terminal transmits the payment approval details and the business registration information through a predetermined communication network (or a dedicated network) connected to a server on the network, or after the payment approval request generated from the card terminal. It is possible to send it to a server on the network with the full text.

FIG. 11 is a diagram illustrating a process of managing sales and expenses of a business operator and affiliated stores when paying a card through a card provided with business registration certificate information according to an exemplary embodiment of the present invention.

In more detail, FIG. 11 illustrates a payment approval request specialist or a business operator including business registration certificate information transmitted from a card terminal when a payment process is made through a predetermined payment channel using a card having business registration certificate information shown in FIG. In the process of performing payment processing based on the registration certificate information and the full payment approval request, the process of processing the purchase history of the operator corresponding to the payment processing and the sales history of the merchant, in the technical field to which the present invention belongs If you have ordinary knowledge, the purchase history of the operator and the sales history of the merchant through the full payment approval request or the business registration information and payment approval request including the business registration information by referring to or modifying this drawing 11 Various implementations of the process may be inferred, but the present invention is inferred from the above. Is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 11, when the card terminal transmits the full payment approval request message including card information, payment amount, merchant information and business registration information to the server through the process of FIGS. 8 to 10 (1100), the server In step 1105, the card company information corresponding to the payment means included in the transmitted payment approval request message is confirmed.

If the card company information corresponding to the payment means information is not confirmed (1110), the server transmits the full payment approval result including the card information error code to the card terminal (1115).

On the other hand, when the card company information corresponding to the payment means information is confirmed (1110), the server transmits the full payment approval request message to the confirmed card company server requests the payment approval processing (1120).

Subsequently, when a payment approval process corresponding to the payment approval request message is received from the card company server (1125), the server generates a payment approval response message corresponding to the received payment approval process to generate the payment approval request message. To transmit to the transmitted card terminal (1130).

Then, the server checks the operator information (or business registration information) and merchant information (or merchant registration information of the merchant) corresponding to the payment approval process (1135), and the payment approval processing amount to the confirmed business information The corresponding expenses (purchases) are processed and the sales corresponding to the confirmed merchant information (1140).

On the other hand, when issuing a tax invoice corresponding to the payment approval processing (1145), the purchase tax invoice corresponding to the business information and the sales tax invoice corresponding to the merchant information is issued by the server (1150), the expenditure The (purchase) details, sales processing details, and tax invoice issuance details are stored in a database (or storage medium) (1155).

Thereafter, when issuing details of the issued tax invoice (1160), the server periodically reports the tax invoice issuance history stored in the database (or storage medium), where the server is stored in the tax invoice issuance history It is periodically provided to the accountant office server (or terminal) or the relevant public institution server (or terminal) (1165).

On the other hand, according to the embodiment of the present invention, the server transmits the tax invoice issuance details to the operator communication means and merchant communication means, or the accountant office or jurisdiction of the public agency report details of the issued tax invoice It can be transmitted and notified to the operator communication means and merchant service provider communication means.

According to the present invention, through the card provided with the business registration information, there is an advantage that the tax invoice can be easily issued at the same time as the card payment.

In addition, there is an advantage in that it is possible to eliminate the hassle of having to send the issued tax invoice to the accountant's office or the competent public institution.

In addition, the purchase / sales management according to the card payment can be more conveniently performed, there is an advantage that can reduce the time and economic costs required for the purchase / sales management.

Claims (8)

One or more customer payment means, and the customer business registration certificate information-business registration number, corporate registration number, business status, type of business, issue date, address, representative name, issuing agency-performs payment processing using the stored IC card, the customer payment means And a card terminal that reads the customer business registration information from the IC card and inserts the payment information into the payment approval request message when the payment approval request message including the payment amount and merchant information is generated. Check whether the customer business registration information is inserted in the full payment approval request received from the card terminal, and when the customer business registration information is confirmed, the customer purchases (or spends) a payment amount approved through the customer payment means. And a bansa server processing the details and processing the sales (or income) details of the affiliated stores. The method of claim 1, wherein the bansa server, Revenue purchase management system, characterized in that for confirming the affiliated store business registration certificate information provided in the bansa in conjunction with the merchant information. The method of claim 1, wherein the bansa server, Revenue purchase management system, characterized in that for generating the tax invoice information including the customer business registration information and merchant business registration information and payment information approved payment. Receiving, from the card terminal, a full payment approval request message including customer payment means information, payment amount information, and merchant information, and including a customer business registration information item; Checking whether the customer business registration information is inserted into the customer business registration information item on the received payment approval request message; Checking whether the payment for the full payment approval request is approved when the customer business registration information is confirmed; And When the payment is approved, the payment amount approved through the customer payment means is processed as a purchase (or expenditure) for the customer business registration information, and the sales (or income) for the merchant business registration information registered in bansa Sales management method characterized in that it comprises a; The method of claim 4, wherein The sales purchase management method, characterized in that further comprising the step of confirming the merchant registration information registered with the merchant business information provided in the bansa. The method of claim 4, wherein Generating tax invoice information including the customer business registration card information, the merchant business registration card information, and payment amount information approved for payment; And And transmitting the generated tax invoice information to a preset tax invoice receiving destination. The method of claim 4, wherein the customer business registration information item, Is an information item including one or more of a business registration number, a corporation registration number, a business status, a business type, a publication date, an address, a representative's name, and an issuing agency; or And an information item including storage location information for storing customer business registration information on a network. A recording medium characterized by recording a program for realizing the method of claims 4 to 6.

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