KR20090090425A - Card terminal with function of processing tax receipt - Google Patents

Abstract

A card terminal in which a tax bill processing function is equipped capable of publishing tax invoice is provided to solve inconvenience about issuing the issued tax bill to an undertaking accountant office or a jurisdiction public institution. A card terminal(400) transmits tax bill information to a server of network. A control unit(405) controls the overall operation of the card terminal. The flow of the information is managed with each element or data. A communication processing unit(430) controls or interworks element equipped in the card terminal for transmitting or outputting the tax bill.

Description

Card Terminal with Function of Processing Tax Receipt}

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

2 is a view showing the functional configuration of a card terminal having a tax invoice output function using the business registration information provided in the card according to the embodiment of the present invention.

3 is a diagram illustrating a process of outputting a tax invoice using the business registration information provided in the card at the card terminal when paying a card according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a functional configuration of a card terminal having a tax invoice output and transmission function using business registration information provided in a card according to another embodiment of the present invention.

FIG. 5 is a diagram illustrating a process of outputting a tax invoice and transmitting a network through a network using the business registration information provided in the card at the card terminal according to another embodiment of the present invention.

<Description of main parts of drawing>

100: input and output interface 105: processor unit

110: memory unit 115: processing unit

120: data section

400: card terminal 405: control unit

410: card reader 415: screen output unit

420: key input unit 425: power supply unit

430: communication processing unit 435: security application module

440: print output unit 445: printing apparatus

450: memory unit 455: information confirmation unit

460: information generation unit 465: professional generation unit

470: professional transmission unit 475: professional processing unit

480: information storage unit 485: information transmission unit

490: Activation processing unit 495: Information reading unit

The present invention is one or more customer payment means, customer business registration information-business registration number, corporate registration number, business status, type of business, date of issue, address, representative name, issuing agency-and tax invoice destination information-accounting office affiliated with the customer And a tax office, the National Tax Service-performs payment processing using an IC card, and comprises a card reader unit for reading information stored in the IC card, and a memory unit for storing merchant business registration information. An information checking unit for checking whether the customer business registration card information is stored in the IC card when reading the customer payment means from the IC card through a card reader unit, and when checking the customer business registration card information, the IC card through the card reader unit An information reading unit for reading the customer business registration information from the information and the reading upon approval of the payment It relates to a card terminal comprising a customer business registration certificate information, the merchant business registration information stored in the memory unit and an information generating unit for generating tax invoice information including the payment approved amount information.

In recent years, as cardholders have increased rapidly and card payment related infrastructure has been widely expanded, card terminals for card payments can be frequently seen at merchants. The card terminal reads the card information (eg, card number, etc.) stored in the customer card, generates a full text of an authorization request for payment approval, and transmits the authorization information to a server (eg, a bansa server or a payment server) on the network for approval. It is common to perform a payment processing using the card by requesting the request, receiving an authorization response message for the authorization request from the server.

Recently, as more and more customers require more convenient and various services, it is necessary to add a new function to satisfy the needs of customers with the card terminal.

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.

Such 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, with the existing card terminal, it is not possible to issue a tax invoice in parallel with the payment of a card, and there has been a hassle 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, one or more customer payment means, customer business registration information-business registration number, corporation registration number, business status, industry, issue date, address, representative name, issuing agency-and tax invoice The card processing unit performs payment processing using an IC card that stores destination information-an accounting office, a tax office, and an IRS that is affiliated with a customer, and a card reader unit for reading information stored in the IC card, and a memory unit for storing merchant business registration information. Characterized in that it is provided, when reading the customer payment means from the IC card through the card reader, the information confirmation unit for confirming whether the customer business registration information is stored in the IC card, and the customer business registration information An information reading for reading the customer business registration information from the IC card through the card reader; And a card terminal including an information generation unit for generating tax invoice information including the read customer business registration information, the merchant business registration information stored in the memory unit, and the payment approved amount information when the payment is approved. have.

Card terminal according to the present invention, one or more customer payment means, customer business registration information-business registration number, corporation registration number, business status, type of business, issue date, address, representative name, issuing agency-and tax invoice destination information-customer The accounting office, the tax office, and the IRS, which are affiliated with the company, perform payment processing using an IC card, and a card reader unit for reading information stored in the IC card and a memory unit for storing merchant business registration information. Characterized in that, when reading the customer payment means from the IC card through the card reader, the information confirmation unit for confirming that the customer business registration information is stored in the IC card, and when checking the customer business registration information, a tax invoice output Activation processing unit for activating the function, and before confirming that payment through the customer payment means is approved A processing unit, an information reading unit for reading the customer business registration information from the IC card through the card reader unit, the read customer business registration information and the merchant business registration information stored in the memory unit and the payment approval; And an information generation unit for generating tax invoice information including the amount of money information.

On the other hand, the card terminal according to the present invention, one or more customer payment means, customer business registration information-business registration number, corporate registration number, business status, type of business, issue date, address, representative name, issuing agency-and tax invoice receiving information -Performs payment processing using the IC card for storing the accounting office, tax office, and IRS-affiliated with the customer, the card reader unit for reading the information stored in the IC card, and the memory unit for storing the merchant business registration information When the customer payment means reading from the IC card through the card reader unit, an information confirmation unit for confirming whether the customer business registration card information is stored in the IC card, and when checking the customer business registration card information, An information reading unit for reading the customer business registration information from the IC card through a card reader unit and the determination In the case of the approval, characterized in that it comprises an information generating unit for generating the tax invoice information including the customer information and the merchant registration information stored in the customer information and the merchant business registration information and the payment information.

According to the present invention, the card terminal is characterized in that it further comprises a print output unit for printing and outputting the generated tax invoice information.

According to the present invention, the card terminal, an information reading unit for reading the tax invoice destination information corresponding to the tax invoice generated (or output) from the IC card through the card reader unit, and the generated (or output) tax An information transmission unit for generating a tax invoice full text including the information storage unit for storing the bill information and the tax invoice destination information and storing the tax invoice information stored in the memory unit in connection with the bill information and the tax invoice destination information; It is characterized by further comprising.

According to the present invention, the information confirming unit reads ATR (Answer To Response) information read from the IC card, and confirms that the customer business registration information is stored in the IC card.

On the other hand, the present invention includes a recording medium characterized by recording a program for realizing the above-described card terminal function configuration unit.

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

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

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

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

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

In more detail, Figure 1 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 1 is a business registration information according to the present invention in the memory of the contact IC card As shown in FIG. 2, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to various modifications of the present invention in which the business registration certificate information is provided in the memory of the IC card. It may be inferred, but 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 100 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), input / output (I / O), and the like. And a processor unit 105 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 110 including at least one memory device including an access memory, an electrically erasable and programmable read only memory (EPEPROM), a flash memory (FM), and the like, and in particular, at least one of the memory devices. The chip (eg, ROM) stores a Chip Operating System (COS) that manages and operates an IC card internal resource, which is determined from a card terminal through a power supply (VCC) contact point of the input / output interface 100. When the power is supplied, the COS stored in the memory unit 110 is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. 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 110 of the IC chip is loaded on the card terminal to terminate at least one or more programs of the pre-driven program, to drive a specific program of 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 120 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 105 and the 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 115 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 105. In particular, the processor 115 reads a command provided from the terminal program via the input / output interface 100 through an APDU, and based on the read command, at least one or more information stored in the data unit 120 or Read or record data, and provide the result or read information or data to the terminal program via the input and output interface 100 through the APDU.

According to a preferred embodiment of the present invention, the memory unit 110 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 110 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 110 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. 1, the data unit 120 of the card application may include business registration information. The business registration information may include a business number, a corporation registration number, a business status, a business type, an issue date, an address, a representative's name, and the like. Characterized in that it comprises at least one or more.

In addition, according to an embodiment of the present invention, the data unit 120 of the card application may further include tax invoice destination information, wherein the tax invoice destination information corresponds to the business registration certificate information provided in the card. It is characterized in that it further comprises information on accounting offices in charge of the operator or the competent public institution (eg tax office, IRS, etc.).

According to an exemplary embodiment of the present invention, the data unit 120 is disposed under a dedicated file (DF) corresponding to the business registration card information and the dedicated file and provides a smart card service (eg, business registration card information when paying a card). At least one element file (EF) including substantial information or data for the tax invoice output service, etc.).

2 is a diagram illustrating a functional configuration of a card terminal having a tax invoice output function using business registration information provided in a card according to an embodiment of the present invention.

In more detail, Figure 2 is an embodiment of a card terminal having a tax invoice output function using the business registration information provided in the card shown in Figure 1, a general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various card terminal function configuration for the output of the tax invoice using the business registration information provided in the card by referring to or modifying this drawing 2, but the technical features of the present invention by It is to be understood that the present invention is not intended to be limiting and encompasses all inferred methods of implementation.

Referring to FIG. 2, a card terminal having a function of outputting a tax invoice using business registration information provided in the card shown in FIG. 1 basically includes a control unit 205, a memory unit 250, and a card reader unit 210. And a key input unit 220, a screen output unit 215, a communication processor 230, a security application module 235, a print output unit 240, and a power supply unit 225 for supplying power to the card terminal. It is made, including at least one or more terminal functional units (not shown) according to the intention of those skilled in the art.

The control unit 205 controls the overall operation of the card terminal in the functional configuration, manages the flow of information or data between each component, and outputs a tax invoice using the business registration information provided in the card shown in FIG. At least one processor and execution memory (e.g., including a central processing unit (CPU) / micro-processing unit (MPU)) and hardware, characterized in that interlocking and controlling at least one or more components provided in the card terminal And a bus (BUS) for inputting and outputting predetermined data, a register or a random access memory (RAM), and performing the above functions from a predetermined recording medium in order to perform a function specific to the card terminal in software. Predetermined program routines that are loaded into memory and computed by the processor ( A predetermined program recorded on a recording medium provided in the card terminal for outputting a tax invoice using the business registration certificate information included in the card shown in FIG. Among the functional configurations provided, the components that can be processed by software are shown in the control unit 205).

According to the exemplary embodiment of the present invention, the control unit 205 may be configured with components (for example, the memory unit 250, the card reader unit 210, the key input unit 220, and the screen output unit 215) provided in the card terminal. ) And the communication processing unit 230 and the security application module 235 and the print output unit 240 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 Controlling and managing the providing, as well as controlling the components provided in the card terminal to mutually interoperate for outputting a tax invoice using the business registration information provided in the card shown in Figure 1 according to the present invention, or In order to output a tax invoice using the business registration certificate information provided in the card shown in FIG. 1, it is preferable to execute a program recorded in a recording medium provided in the card terminal.

The memory unit 250 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), A predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 205 to perform a predetermined control function are stored.

According to an embodiment of the present invention, the memory unit 250 stores business registration information corresponding to a business operator having the card terminal, accounting office information in charge of the business operator, and public agency jurisdiction information. desirable.

The customer who receives the tax invoice output 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 / based on ISO / IEC 7816 standard. Based on the IEC 14443 standard, possessing (or owning) a card including at least one contactless IC card (or wireless IC chip), the card reader unit 210 is at least one information or data provided in the card It provides an interface for reading the, an embodiment of the card will be described with reference to FIG.

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

The non-contact IC reader is a card reader 210 based on ISO / IEC 14443. At least one or more of the non-contact IC card may be in electrical contact with a non-contact 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.

When the card terminal is provided with an MS reader for reading an MS card, the MS reader is a card reader 210 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 an embodiment of the present invention, the card reader unit 210 may provide predetermined card information (eg, a credit card provided in the card) from at least one or more card reader units 210 for the electronic payment service defined in the card terminal. , Payment means information corresponding to a payment means including at least one check card, debit card, cash card, financial account), and also provided in the card shown in Figure 1 according to the present invention It is preferable to read predetermined business registration information from at least one or more cards for outputting a tax invoice using the registration information.

According to the embodiment 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.

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 220 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 205. ) Is input, generates a key event corresponding to the input information (or signal), and provides the generated key event to the controller 205, wherein the controller 205 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 220 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the card terminal.

The key input device interworking with the key input unit 220 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 220 receives key data (eg, payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the card terminal. It is preferable to perform a function of a key input means for receiving an input, and also to output a tax invoice using the business registration information provided in the card shown in FIG. 1 according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of outputting the tax invoice using the business registration certificate information provided in the card.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 220 is provided in the card shown in FIG. 1 according to the present invention in the initial mode or the normal payment mode of the operation mode of the card terminal. It is possible to include a key button for switching to the tax invoice output function using the business registration certificate information.

The screen output unit 215 includes a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 205 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 215 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 information or data predefined to be output from the card terminal to the screen output device may be key data input through the key input unit 220 or information stored or generated by a component included in the card terminal. Or data), information (or data) transmitted and received through the communication processor 230, 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 215 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 also a tax invoice using the business registration information provided in the card to the screen output device for outputting a tax invoice using the business registration information provided in the card shown in FIG. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the output step.

The communication processor 230 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, and 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). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It comprises a predetermined short range wireless communication module for a short range wireless communication, and comprises a communication protocol or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The security application module (235) is a confidentiality (Authentication) or authentication (Integrity) or required in the process of performing the electronic payment or electronic payment using the card terminal card; 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 235 is preferably composed of a predetermined security application module 235 inserter and a security application module 235 chip, the security application module 235 chip is a chip containing at least 8-bit CPU 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 235 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 240 outputs 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 and a driver for printing the print information or data through the printing device 245 in accordance with a predefined printing form. It is made, including.

According to the exemplary embodiment of the present invention, the print output unit 240 performs the electronic payment process through the card terminal through at least one or more payment means stored in the card, as shown in FIG. When the business registration information for outputting the tax invoice is provided in the card, the business registration information (for example, a supplier) read out from the card by the card terminal and the business registration information stored in the memory unit 250 ( For example, the tax invoice may be output to the printing apparatus 245 using the supplier.

Here, the tax invoice output through the print output unit 240 is characterized in that it comprises both the tax invoice for the supply and the tax invoice for the supplier.

Referring to FIG. 2, the card terminal outputs a tax invoice using the business registration certificate information provided in the card for the operation mode of the card terminal to output a tax invoice using the business registration information provided in the card according to the present invention. A mode check unit 255 for checking whether the function is a function and a result of the check, when the operation mode of the card terminal is a function of outputting a tax invoice using the business registration information provided in the card; An information verification unit 260 for reading and confirming predetermined business registration information (supplier recipient registration information) for outputting the tax invoice, the confirmed business registration certificate information (business owner registration information for recipients) and the memory The printout unit 24 by using the business registration information (stored business registration information for the supplier) stored in the And an information generation unit 265 for generating tax invoice information to be output through 0).

The mode checking unit 255 periodically checks the business registration information of the card terminal provided in the operation mode of the card terminal (or in response to a tax invoice output function switching key event using the business registration information provided in the card). Characterized by checking whether the output of the tax invoice used.

If the check result is that the operation mode of the card terminal is not a tax invoice output function using the business registration information provided in the card, the card terminal performs a conventional electronic payment processing function, while the operation mode of the card terminal is When it is confirmed that the tax invoice output function using the business registration information provided in the card, the mode check unit 255 is the result of the tax invoice output function check using the business registration certificate information provided in the card through the screen output unit 215 After output, the information is provided to the information checking unit 260.

The information confirmation unit 260 is provided in the card from the customer card through the card reader unit 210 to process the electronic payment corresponding to the tax invoice output function using the business registration certificate information provided in the card Characterized by reading the predetermined business registration information for the tax invoice printing information using the business registration information, characterized in that the input business registration information is provided to the information generating unit 265.

According to another exemplary embodiment of the present invention, the information checking unit 260 outputs the tax invoice from a predetermined key input unit through the key input unit 220 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 265.

In addition, the information checking unit 260 is a tax using the business registration information from at least one terminal (or device) through the cable communication unit or the short-range wireless communication unit, if the business registration information stored in the card is not smoothly read. The business registration certificate information for the output of the bill can be extracted and confirmed, and the checked business registration information is provided to the information generating unit 265.

On the other hand, the information check unit 260 is interlocked with the card reader 210 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 confirmed payment means information is provided to the full text generation unit 270.

In addition, the information confirmation unit 260 checks the payment amount information for the electronic payment, in conjunction with the key input unit 220, for the electronic payment processing through the card terminal, The payment amount information is provided to the full text generation unit 270.

The information generating unit 265 uses the input business registration certificate information (business recipient registration information for the recipient) and the business registration certificate information (business owner registration information for the supplier) stored in the memory, the print output unit 240 Characterized by generating the tax invoice information to be output through.

Referring to FIG. 2, the card terminal includes a full text generation unit 270 for generating a full text of a payment approval request including at least one of the payment means information and the payment amount information identified through the information checking unit 260; The specialized transmission unit 275 for transmitting the generated payment approval request message to the server on the payment network through the communication processor 230, and the payment approval request message from the server on the payment network through the communication processor 230. Receives a payment approval text including payment processing details corresponding to the screen output through the screen output unit 215, or through the print output unit 240, the payment processing details included in the payment approval full text; Characterized in that it comprises a specialized processing unit 280 for printing output.

The full text generation unit 270 generates a full text of the payment approval request including at least one of the payment means information and the payment amount information identified through the information checking unit 260, and the generated payment approval The full text of the request is provided to the specialized transmission unit 275.

The specialized transmission unit 275 is characterized in that for transmitting the payment approval request full text generated by the professional generation unit 270 to the server on the payment network through the communication processing unit 230, corresponding to the server After performing a predetermined payment processing procedure through the full payment approval request, generates a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the payment processing result, and the payment processing details Generates a predetermined payment approval full text including and transmits to the card terminal through the payment network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 275, the expert processing unit 280 corresponds to the payment approval request message from the server on the payment network through the communication processing unit 230. Periodically (or in response to the full text reception event of the communication processing unit 230) is received whether a payment approval text including a payment processing history is received.

If the payment approval message including the payment processing details corresponding to the payment approval request message is received through the communication processor 230, the expert processing unit 280 may include the payment processing details included in the payment approval message (eg, Payment approval details or payment error details) may be output through the screen output unit 215 or printed through the print output unit 240, thereby completing the electronic payment process. .

Referring to FIG. 2, the card terminal processes an information storage unit 285 for linking and processing the supplier's tax invoice generated through the information generation unit 265 and the tax recipient's tax invoice in the memory unit 250. It is characterized by further comprising.

3 is a diagram illustrating a process of outputting a tax invoice using the business registration information provided in the card at the card terminal when paying a card according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 illustrates an embodiment of a process of outputting a tax invoice according to a payment in the card terminal shown in FIG. 2 using the business registration information provided in the card shown in FIG. In the technical field to which the present invention pertains, various embodiments of the present invention may be inferred by referring to or modifying the drawing of FIG. 3 and outputting a tax invoice using the business registration information provided in the card. However, it is to be understood that the technical features of the present invention are not limited by the drawing 3 but include all the inferred implementation methods.

According to an embodiment of the present invention, FIG. 3 reads the business registration certificate information provided in the card in the process of receiving the predetermined payment means information from the card shown in FIG. By way of example, the output of the tax invoice corresponding to the settlement process is illustrated and described, but the present invention is not limited to the above procedure, and it will be apparent that the steps may be modified / modified according to the intention of the skilled person.

For example, the output of the tax invoice is output in a process of generating (or before and after) a payment approval request text corresponding to the payment processing in a card terminal, or a payment approval response expert corresponding to the payment approval request text on a network. It may be output in the process (or before and after the process) received from the server to the card terminal, but is not limited thereto.

In addition, FIG. 3 illustrates that the card terminal 200 encrypts the full payment approval request message according to at least one encryption method and an encryption algorithm. According to the intention of a person skilled in the art, the encryption process is performed by the customer terminal. It may be carried out or omitted from, and the present invention is not limited thereby.

Referring to FIG. 3, the card terminal checks whether a mode of the card terminal is a tax invoice output mode according to the present invention when a card payment request is made by a customer (300).

Here, the tax invoice output mode of the card terminal is changed by the card terminal operator through a key input means provided in the card terminal (in this case, a special key or a function key for changing the tax invoice output mode may be used), Alternatively, when the card terminal includes the business registration certificate information in the process of reading the payment means information from the card, it is possible to automatically change the card terminal mode to the tax invoice output mode.

If the mode of the card terminal is confirmed as the tax invoice output mode (305), the card terminal outputs a predetermined payment card insertion request message through the screen output means (310), the predetermined payment card through the card reader (E.g., an IC card) is checked (315).

If a predetermined customer card is read through the card reader (320), the card terminal reads predetermined payment means information and business registration information from the card through the card reader (325).

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 customer 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 (330), and generates a predetermined payment approval request message including the payment means information, payment amount information, and merchant information (335).

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

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

If the payment approval request message is encrypted, the card terminal transmits the payment approval request message through the network (350).

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 (355), the card terminal receives the received payment. When the full text of the approval response is read, and the payment result is normally accepted, the card terminal receives the business registration information (for example, the supplier business registration information) read from the card and the business registration information stored in the memory in the card terminal. For example, the tax invoice information is generated using the supplier business registration certificate information) and the payment amount, etc. (360).

When the tax invoice is generated, the card terminal prints the generated tax invoice information through a print output means (365).

Here, it is preferable that the card terminal outputs both the supply recipient storage tax invoice and the supply recipient storage tax invoice.

In addition, although not shown in FIG. 3, the card terminal stores the generated tax invoice information (for example, the tax invoice information for storing the recipient and the tax invoice information for storing the supplier) in a memory, and periodically the accountant Transfer to office or competent public authority.

Here, the card terminal is the accountant office information stored in the card (for example, accountant office staff e-mail, or accountant office web hard, etc.) or jurisdiction public agency information (eg, jurisdiction public agency staff email, or jurisdiction public agency web hard) Etc.), it is preferable to transmit the tax invoice information.

4 is a diagram illustrating a functional configuration of a card terminal 400 having a tax invoice output and transmission function using business registration information provided in a card according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a card terminal having a function of outputting a tax invoice using the business registration certificate information provided in the card shown in FIG. 1 or transmitting the tax invoice information to a server (or a terminal) on the network. As a method of one embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains, with reference to or modifying this figure 4, the output of the tax invoice and the tax invoice information using the business registration information provided in the card Various card terminal 400 functional configuration for network transmission can be inferred, but it is to be understood that the technical features of the present invention are not limited to this figure 4, but include all the inferred implementation methods.

Referring to FIG. 4, a card terminal 400 having a tax invoice output and transmission function using business registration information provided in the card shown in FIG. 1 is basically a control unit 405, a memory unit 450, and a card. Supplying power to the reader unit 410, key input unit 420, screen output unit 415, communication processing unit 430, security application module 435, print output unit 440 and the card terminal 400 It comprises a power supply unit 425, and comprises at least one or more terminal functional unit (not shown) according to the intention of the skilled person.

The control unit 405 controls the overall operation of the card terminal 400 in function configuration, manages the flow of information or data between each component, using the business registration information provided in the card shown in FIG. Characterized in that interlocking and controlling at least one or more components provided in the card terminal 400 for output and transmission of the tax invoice, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) in hardware At least one processor, an execution memory (for example, a register or a random access memory (RAM)), and a bus (BUS) for inputting and outputting predetermined data. A small memory device which is loaded from a predetermined recording medium into the execution memory to perform a function and processed by the processor. It includes a program routine (Routine) of the program data (therefore, recorded on the recording medium provided in the card terminal 400 for output and transmission of the tax invoice using the business registration information provided in the card shown in Figure 1 A predetermined program or a component that can be processed in software from among the functional configurations provided in the card terminal 400 is illustrated as being provided in the controller 405).

According to the exemplary embodiment of the present invention, the control unit 405 outputs the components (eg, the memory unit 450, the card reader unit 410, the key input unit 420, and the screen) provided in the card terminal 400. The card unit 400 is interworked with the communication unit 415, the communication processing unit 430, the security application module 435, the print output unit 440, or a terminal function unit (not shown) according to the intention of a person skilled in the art. The card terminal 400 is provided for controlling and managing providing a defined electronic payment service, as well as outputting and transmitting a tax invoice using the business registration information provided in the card shown in FIG. 1 according to the present invention. A program recorded on a recording medium provided in the card terminal 400 for controlling and interlocking the components or outputting and transmitting a tax invoice using the business registration information provided in the card shown in FIG. It is preferred to run.

The memory unit 450 may input / output information when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the card terminal 400 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine required for the control unit 405 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is done.

According to an exemplary embodiment of the present invention, the memory unit 450 may store business registration information corresponding to a business operator having the card terminal 400, accounting office information for the business operator, and public agency information under the authority of the business operator. It is desirable to store.

The customer who receives the tax invoice output and transmission service using the business registration information provided in the card according to the present invention through the card terminal 400 is a contact type IC card (or wireless IC chip) based on the ISO / IEC 7816 standard. Or a card including at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, wherein the card reader 410 includes at least An interface for reading one or more pieces of information or data 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 410 may be a contact IC reader unit providing an interface between the contact IC card and the card terminal 400, or the contactless IC card and the card terminal 400. A contactless IC reader unit is provided to provide an interface between the terminals.

The contact IC reader unit is a card reader unit 410 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) The card terminal 400 is characterized in that the interface.

The contactless IC reader unit is a card reader unit 410 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, and through the half-duplex transaction using the APDU to transfer predetermined information or data from the IC chip to the card terminal ( 400).

When the card terminal 400 includes an MS reader unit for reading an MS card, the MS reader unit is a card reader unit 410 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil. (Magnetic Head), and the MS card recorded with predetermined information (e.g., magnetized binary data) moves in a predetermined direction in close contact with the magnetic head (or the magnetic head is predetermined information). Is moved in close contact with the recorded MS card), by using a predetermined electrical signal to be loaded into the magnetic head, the card terminal receives predetermined information or data from at least one or more tracks provided in the MS of the MS card. It is characterized in that the interface to 400.

According to the exemplary embodiment of the present invention, the card reader unit 410 may provide predetermined card information (eg, to a card) from at least one or more card reader units 410 for the electronic payment service defined in the card terminal 400. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, check card, debit card, cash card, financial account provided), and also the card shown in Figure 1 according to the present invention It is preferable to read predetermined business registration information from at least one or more cards for outputting and transmitting the tax invoice using the business registration information provided therein.

According to the embodiment 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.

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 420 includes a predetermined key input device including at least one key button including at least one number key, a character key, or a function key. Information (or a signal) inputted from the device, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the card terminal 400 controlled by the controller 405. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 405. The controller 405 Acquires predetermined key data corresponding to the key event in the current input mode or operation mode of the card terminal 400, or executes a predetermined function that is matched with the key event. It is characterized in that for obtaining instruction. The key input unit 420 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the card terminal 400.

The key input device interoperating with the key input unit 420 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a character key (for example, an English character key or a Korean character 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 420 may provide key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the card terminal 400. It is preferable to perform the function of the key input means for receiving a), and also from the key input device for outputting and transmitting the tax invoice using the business registration information provided in the card shown in FIG. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of outputting and / or transmitting the tax invoice using the business registration certificate information provided in the card shown in FIG.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 420 may use the card shown in FIG. 1 according to the present invention in an initial mode or a normal payment mode of an operation mode of the card terminal 400. It is possible to include a key button for switching to the tax invoice output function using the business registration information provided therein.

The screen output unit 415 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the control unit 405 while the card terminal 400 performs a predetermined function (for example, an electronic payment processing function). At least one or more information or data that is predefined or defined in real time to be output to a predetermined output device including a) through a predefined interface screen, the screen output unit 415 and the screen Output devices interoperate with each other to perform a function of screen output means provided in the card terminal 400.

The predefined information or data to be output from the card terminal 400 to the screen output device may be provided by key data input through the key input unit 420 or a component provided in the card terminal 400. At least one of information (or data) stored or generated, information (or data) transmitted / received through the communication processor 430, or (or data) corresponding to a predetermined operation result performed by the card terminal 400. This includes the above.

According to a preferred embodiment of the present invention, the screen output unit 415 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the card terminal 400 It is preferable to perform the function of the output means, and also to output the business invoice registration information provided in the card to the screen output device for the tax invoice output using the business registration certificate information provided in the card shown in FIG. It is preferable to perform a function of the screen output means for outputting a processing screen corresponding to the output of the tax invoice and / or the transmission step.

The communication processor 430 may be a server or a communication terminal connected through a payment network (eg, a value added network) during the card terminal 400 performing a predetermined function (for example, an electronic payment processing function). Predetermined communication for connecting a communication session with a terminal (or device) connected with the card terminal 400 through a predetermined cable or with a terminal (or device) connected with the card terminal 400 through a predetermined short-range wireless communication. A network communication unit for connecting a predetermined communication channel with a server on a wired or wireless network, or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port; Or a basis for connecting a predetermined communication session with a predetermined short range communication terminal (or device) device through at least one short range wireless communication means. Is made, including a wireless communication unit, comprises a communication protocol or a driver for connecting the communication channel (or communication session) by 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). And a communication channel with a server on a wired or wireless network through a predetermined wireless network including a communication network, and a modem or a NIC for connecting the card terminal 400 to a predetermined wired or wireless network in hardware. And a communication protocol or a driver for connecting the card terminal 400 to the wired / wireless network by software.

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

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

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

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The secure application module (435) is a confidentiality (Authentication) or authentication (Authentication) or integrity required in the process of the card terminal 400 performs the electronic payment or electronic payment using the card ( As a safety device for performing security requirements, including Integrity) or nonrepudiation, etc. in a secure and reliable structure within the card terminal 400 without using an authentication server (or server) on a payment network, Encrypts or decrypts a predetermined message (information or data) that is processed in the process of performing the predetermined security request function (for example, electronic payment or electronic payment function) by the card terminal 400, and forges (or modulates) the message. Adds an authenticator that prevents or prevents key information from being stored in the process of performing the security request function. And it characterized in that.

In general, the security application module 435 is preferably composed of a predetermined security application module 435 inserter and the security application module 435 chip, the security application module 435 chip is a chip containing at least 8-bit CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 435 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the card terminal 400 to perform a predetermined security request function ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove command) It is preferable to comprise a).

The print output unit 440 may be configured to perform a predetermined function (for example, an electronic payment processing function) of the card terminal 400 or to generate predetermined information or data (for example, payment processing result information or data). To a predetermined printing device 445 (for example, a receipt printer), and a printing protocol for printing the print information or data through the predetermined printing device 445 according to a predefined printing form. And a driver.

According to the exemplary embodiment of the present invention, the print output unit 440 performs the electronic payment process through the card terminal 400 through at least one payment means stored in the card. As such, when the business registration certificate information for outputting the tax invoice in the card is provided, the card terminal 400 to the business registration information (for example, the recipient) and the memory unit 450 read out from the card The tax invoice is output to the printing apparatus 445 by using the stored business ID information (for example, the supplier).

Here, the tax invoice output through the print output unit 440 is characterized in that it comprises both the tax invoice for the supply and the tax invoice for the supplier.

Referring to FIG. 4, the card terminal 400 outputs and transmits a tax invoice using the business registration information provided in the card according to the present invention, from the customer card through the card reader unit 410. An information confirmation unit 455 for reading and confirming predetermined business registration certificate information (business registration certificate information for a recipient) for output, the verified business registration certificate information (business registration certificate for a recipient) and a business registration certificate stored in the memory Information generating unit 460 for generating tax invoice information to be output through the print output unit 440 using the information (business registration certificate information for the supplier) and an information storage unit for storing the generated tax invoice information ( 480 and the server (eg, an accountant office server (or terminal) or a competent public institution office) on the network periodically to store the stored tax invoice information. Characterized in that formed by an information transmitting unit 485 for transmitting (or UE)).

The information checking unit 455 is provided in the card from the customer card through the card reader unit 410 to process the electronic payment corresponding to the tax invoice output function using the business registration certificate information provided in the card Characterized by reading the predetermined business registration information for the tax invoice output and transmission using the registration information, characterized in that the confirmed business registration information is provided to the information generating unit 460.

According to another exemplary embodiment of the present invention, the information checking unit 455 outputs the tax invoice from a predetermined key input unit through the key input unit 420 when the business registration certificate information stored in the card is not read smoothly. And business registration certificate information for transmission, and the confirmed business registration certificate information is provided to the information generation unit 460.

In addition, the information checking unit 455 is a tax using the business registration information from at least one terminal (or device) through the cable communication unit or the short-range wireless communication unit when the business registration certificate information stored in the card is not smoothly read. The business registration certificate information for outputting and transmitting the bill can be extracted and confirmed, and the confirmed business registration information is provided to the information generating unit 460.

On the other hand, the information verification unit 455 interlocks with the card reader unit 410 for the electronic payment processing through the card terminal 400, the electronic payment of the at least one payment means provided in the card Characterized in that the payment means information for reading and input, the input payment means information is provided to the full text generation unit (465).

In addition, the information check unit 455 is characterized in that for confirming the payment amount information for the electronic payment, in conjunction with the key input unit 420, for the electronic payment processing through the card terminal 400, The confirmed payment amount information is provided to the full text generation unit 465.

The information generation unit 460 uses the input business registration certificate information (business recipient registration information for the recipient) and the business registration certificate information (business owner registration information for the supplier) stored in the memory, the print output unit 440 Characterized in that it generates the tax invoice information to be output through and / or transmitted through the information transmission unit 485.

The information storage unit 480 processes the supplier's tax invoice and the supplier's tax invoice generated by the information generator 460 and stores them in the memory unit 450.

The information transmitter 485 periodically checks the tax invoice information stored in the memory 450 through the information storage unit 480 (eg, daily, weekly, monthly, quarterly, etc.) on a server (for example, an accountant). It is characterized in that the transmission to the office server (or terminal) or the jurisdiction public institution server (or terminal).

Referring to FIG. 4, the card terminal 400 generates a full text generation approval request 465 for generating a full text of a payment approval request including at least one of the payment means information and the payment amount information confirmed through the information checking unit 455. ), The specialized transmission unit 470 for transmitting the generated payment approval request message to the server on the payment network through the communication processor 430, and the payment from the server on the payment network through the communication processor 430. Receives a payment approval message including payment processing details corresponding to the approval request text, and outputs the payment processing details included in the payment approval message through the screen output unit 415 or the print output unit 440. It characterized in that it comprises a specialized processing unit 475 for printing and output through.

The full text generation unit 465 may generate a full text of a payment approval request request including at least one of the payment means information and the payment amount information identified through the information checking unit 455, and the generated payment approval The request message is provided to the specialized transmission unit 470.

The specialized transmission unit 470 transmits the payment approval request full text generated by the specialty generation unit 465 to a server on a payment network through the communication processing unit 430. After performing a predetermined payment processing procedure through the full payment approval request, generates a payment processing history corresponding to any one of payment approval details or payment error details corresponding to the payment processing result, and the payment processing details Generates a predetermined payment approval text, including the predetermined text and transmits it to the card terminal 400 through the payment network.

After the payment approval request message is transmitted to the server through the specialized transmission unit 470, the expert processing unit 475 responds to the payment approval request message from the server on the payment network through the communication processing unit 430. Periodically (or in response to the full text reception event of the communication processing unit 430) is received whether a payment approval text including a payment processing history is received.

If the payment approval message including the payment processing details corresponding to the payment approval request message is received through the communication processing unit 430, the expert processing unit 475 may include the payment processing details (eg, Payment approval details, or payment error details) may be output through the screen output unit 415 or printed through the print output unit 440, thereby completing the electronic payment process. .

According to the embodiment of the present invention, the card terminal 400 periodically operates (or in response to a tax invoice output function switching key event using the business registration information provided in the card). Is characterized in that it further comprises a mode check unit (not shown) for checking whether the tax invoice output function using the business registration information provided in the card.

If the check result is that the operation mode of the card terminal 400 is not a tax invoice output function using the business registration information provided in the card, the card terminal 400 performs a conventional electronic payment processing function, the card When the operation mode of the terminal 400 is confirmed as a tax invoice output function using the business registration information provided in the card, the mode check unit outputs a result of checking the tax invoice output function using the business registration certificate information provided in the card on the screen output unit. After outputting through 415, the information is provided to the information checking unit 455.

Meanwhile, according to another exemplary embodiment of the present invention, when the card terminal 400 reads the customer payment means from the IC card through the card reader 410, whether the customer business registration certificate information is stored in the IC card. An information confirmation unit 455 for confirming, an activation processing unit 490 for activating a tax invoice output function upon checking the customer business registration information, and a professional processing unit 475 for confirming whether payment through the customer payment means is approved; And an information reading unit 495 for reading the customer business registration information from the IC card through the card reader unit, the read customer business registration information, the merchant business registration information stored in the memory unit, and the information. It is possible to include the information generating unit 460 for generating tax invoice information including payment information amount approved.

The information checking unit 455 checks whether the customer business registration certificate information is stored in the IC card when reading the customer payment means from the IC card through the card reader unit 410.

Here, the information checking unit 455 reads ATR (Answer To Response) information read from the card, and checks whether the business registration certificate information is stored in the card.

When it is confirmed that the customer business registration information is stored in the reading card through the information checking unit 455, the activation processing unit 490 is characterized in that to activate the output function of the tax invoice.

Thereafter, the professional processing unit 475 checks whether the payment through the customer payment means is approved in association with a server on a network, and when the payment approval is confirmed, the information reading unit 495 is the card reader unit 410. And reading the customer business registration information from the IC card, and the read business registration information is provided to the information generating unit 460.

The information generation unit 460 generates the tax invoice information including the customer business registration information read through the information reading unit 495, the merchant business registration information stored in the memory unit and the payment amount information approved It features.

Preferably, the generated tax invoice information is output through the print output unit 440.

In addition, the card terminal 400 is an information reading unit 495 for reading the tax invoice destination information corresponding to the tax invoice generated (or output) from the IC card through the card reader unit, and the generation (or output) Generated information on the tax invoice including the tax invoice information stored in the memory unit and the information storage unit 480 for storing the tax invoice information and the tax invoice destination information, and transmitting the tax invoice information to the tax invoice recipient. It is possible to further comprise an information transmission unit 485 to be processed.

According to another embodiment of the present invention, the card includes one or more customer payment means, customer business registration information-business registration number, corporation registration number, business status, type of business, issue date, address, representative name, issuing agency-and tax When the billing destination information-an accounting office, a tax office, and the National Tax Service-associated with a customer is stored and implements the present invention in connection with the card, the card terminal 400 is connected to the IC card through the card reader unit 410. The information checking unit 455 for checking whether the customer business registration card information is stored in the IC card when reading the customer payment means from the customer; and the IC card through the card reader unit 410 for checking the customer business registration card information. An information reading unit 495 for reading the customer business registration card information from the merchant and the affiliated store stored in the memory unit at the time of the payment approval It comprises a supplier registration information and information generating unit 460 to generate the invoice information including the payment information, the authorized amount is possible.

The information checking unit 455 checks whether the customer business registration information is stored in the card, and the checking result is provided to the information reading unit 495.

When the information reading unit 495 determines that the customer business registration certificate information is stored in the card through the information checking unit 455, the customer business registration certificate from the IC card through the card reader unit 410. Characterized in that to read the information, the information on the business registration card information is provided with the information generating unit 460.

When the payment approval using the card is made, the information generation unit 460, customer business registration information read through the information reading unit 495, merchant business registration information stored in the memory unit and the payment information amount approved Characterized by generating the tax invoice information, including.

In addition, the card terminal 400 is an information reading unit 495 for reading the tax invoice destination information corresponding to the tax invoice generated (or output) from the IC card through the card reader unit, and the generation (or output) Generated information on the tax invoice including the tax invoice information stored in the memory unit and the information storage unit 480 for storing the tax invoice information and the tax invoice destination information, and transmitting the tax invoice information to the tax invoice recipient. It is possible to further comprise an information transmission unit 485 to be processed.

FIG. 5 is a diagram illustrating a process of outputting a tax invoice and transmitting a tax invoice through the network using the business registration information provided in the card at the card terminal 400 according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 shows a tax invoice according to the payment from the card terminal 400 shown in FIG. 4 and the server (for example, an accountant) using the business registration certificate information provided in the card shown in FIG. As an example of a method for transmitting to an office server (or a terminal) or a competent public institution server (or a terminal), a person having ordinary knowledge in the art to which the present invention pertains, FIG. By referring to or modifying the card terminal 400 to output the tax invoice using the business registration information provided in the card, it can be inferred various implementation methods for transmitting the tax invoice to the server on the network, but the technical It is to be understood that the features are not limited by this figure 5, but include all inferred implementation methods.

According to an exemplary embodiment of the present invention, in FIG. 5, the card terminal 400 receives a predetermined payment means information from the card shown in FIG. 1 and performs a payment process. The information is read out, a tax invoice corresponding to the payment processing is output, the tax invoice information is stored in a memory, and then periodically transmitted to a server on a network. The present invention is limited by the above procedure. It will be apparent that the steps can be modified / modified according to the intention of the skilled person.

For example, the output of the tax invoice is output in the process of generating (or before and after) a payment approval request text corresponding to the payment processing in the card terminal 400, or the payment approval response text corresponding to the payment approval request text. It may be output in the process (or before and after the process) received from the server on the network to the card terminal 400, but is not limited thereto.

In addition, FIG. 5 illustrates that the card terminal 400 encrypts the full payment approval request message according to at least one encryption method and an encryption algorithm. According to the intention of the skilled person, the encryption process is performed by the customer terminal. It may be carried out or omitted from, and the present invention is not limited thereby.

Referring to FIG. 5, when the card terminal 400 requests a card payment from a customer, the card terminal 400 outputs a predetermined payment card insertion request message through a screen output means (500), and the card reader. It is checked whether a predetermined payment card (eg, an IC card) is inserted (505).

In addition, the card terminal 400 is an information reading unit 495 for reading the tax invoice destination information corresponding to the tax invoice generated (or output) from the IC card through the card reader unit, and the generation (or output) Generated information on the tax invoice including the tax invoice information stored in the memory unit and the information storage unit 480 for storing the tax invoice information and the tax invoice destination information, and transmitting the tax invoice information to the tax invoice recipient. It is possible to further comprise an information transmission unit 485 to be processed.

Here, the card terminal 400 may further include a step of checking whether the mode of the card terminal 400 is a tax invoice output and transmission mode according to the present invention, and the tax invoice output and transmission mode is the card. The operator of the terminal 400 changes through a key input means provided in the card terminal 400 (in this case, a special key or a function key for changing the tax invoice output mode may be used), or the card terminal 400 When the business registration certificate information is included in the card in the process of reading the payment means information from the card, it is possible to automatically change the card terminal 400 mode to the tax invoice output mode.

If a predetermined customer card is read through the card reader (510), the card terminal 400 reads predetermined payment means information and business registration information from the card through the card reader (515).

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 customer 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 400 receives payment amount information through the key input means (520), and generates a predetermined payment approval request message including the payment means information, payment amount information, and merchant information (525). ).

According to the implementation method of the present invention, the payment approval request message is predetermined terminal specific information provided in the card terminal 400, a predetermined slip serial number assigned to the payment approval request message in the card terminal 400, etc. It is preferable that the at least one further comprises.

If the payment approval request message is generated 530, the card terminal 400 encrypts the payment approval request message with at least one encryption method and an encryption algorithm (535).

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 435 provided in the card terminal 400.

If the payment approval request message is encrypted, the card terminal 400 transmits the payment approval request message through the network (540).

Thereafter, the card terminal 400 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 (545), the card terminal 400 is received. ) Reads the received payment approval response message, and if the payment result is normally accepted, the card terminal 400 reads the business registration certificate information (for example, the recipient business registration information) and the card read from the card. The tax invoice information is generated using the business registration certificate information (for example, the supplier business registration information) and the payment amount stored in the memory in the terminal 400 (550).

When the tax invoice is generated, the card terminal 400 prints out the generated tax invoice information through a print output means (555), and stores the tax invoice information in the memory unit 450 (560).

Here, the card terminal 400 preferably outputs both the supply recipient storage tax invoice and the supply recipient storage tax invoice.

Thereafter, the card terminal 400 periodically checks the transmission time (for example, daily, weekly, monthly, quarterly, etc.) of the tax invoice stored in the memory unit 450, and when the transmission time of the corresponding tax invoice arrives. In operation 565, the card terminal 400 stores the tax invoice information stored in the memory unit 450 (for example, the tax invoice information for the supply recipient and the tax invoice information for the supplier). Send to the institution (570).

Here, the card terminal 400 is the accountant office information stored in the card (for example, accountant office staff email, or accountant office web hard, etc.) or jurisdiction public institution information (eg, jurisdiction public agency staff email, or jurisdiction public) It is preferable to transmit the tax invoice information with reference to the institution web hard).

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, it is possible to increase the awareness of the terminal manufacturer (or service provider) by dissemination of a card terminal equipped with a function of issuing and outputting a tax invoice, and has the advantage of preempting a related field.

Claims (6)

One or more customer payment methods, customer business registration information-business registration number, corporation registration number, business status, type of business, issue date, address, representative's name, issuer-and tax invoice destination information-accounting office, tax office, Performs payment processing using an IC card that stores the IRS. In the card terminal comprising a card reader for reading the information stored in the IC card and a memory for storing the merchant business registration information, An information checking unit for checking whether the customer business registration certificate information is stored in the IC card when reading the customer payment means from the IC card through the card reader unit; Activation processing unit for activating a tax invoice output function when checking the customer business registration information; A professional processing unit which checks whether payment through the customer payment means is approved; An information reading unit for reading the customer business registration information from the IC card through the card reader unit when the payment is approved; And And an information generator for generating tax invoice information including the read customer business registration information, the merchant business registration information stored in the memory unit, and the payment approved amount information. One or more customer payment methods, customer business registration information-business registration number, corporation registration number, business status, type of business, issue date, address, representative's name, issuer-and tax invoice destination information-accounting office, tax office, Performs payment processing using an IC card that stores the IRS. In the card terminal comprising a card reader for reading the information stored in the IC card and a memory for storing the merchant business registration information, An information checking unit for checking whether the customer business registration certificate information is stored in the IC card when reading the customer payment means from the IC card through the card reader unit; An information reading unit for reading the customer business registration card information from the IC card through the card reader unit when checking the customer business registration card information; And And an information generation unit for generating tax invoice information including the read customer business registration certificate information, the merchant business registration information stored in the memory unit, and the payment approved amount information when the payment is approved. Card terminal. The method according to claim 1 or 2, Card terminal, characterized in that further comprising a print output unit for printing and outputting the generated tax invoice information. The method according to claim 1 or 2, An information reading unit for reading the tax invoice destination information corresponding to the tax invoice generated (or output) from the IC card through the card reader unit; An information storage unit for storing the generated tax invoice information and the tax invoice destination information in the memory unit in association with each other; And And an information transmitting unit for generating a tax invoice full text including the tax invoice information stored in the memory and processing the tax invoice for transmission to the destination of the tax invoice. The method according to claim 1 or 2, wherein the information confirmation unit, And reading the ATR (Answer To Response) information read from the IC card to confirm that the customer business registration information is stored in the IC card. A recording medium having recorded thereon a program for realizing the function constituting part of claims 1 to 4.

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