KR20090112201A - System and Method for Settling Affiliated Store by Non-Financial Affiliated Company's Cash and Recording Medium - Google Patents

Abstract

PURPOSE: A method and a system for processing affiliated store payment by non-financial affiliated company cash and a recording medium therefor are provided to associate an offline affiliated store with a self cash system to process payment, thereby activating payment using a cash account of a self cash system. CONSTITUTION: A method for processing affiliated store payment by non-financial affiliated company cash comprises the following steps. Cash account information of a client name in a self cash system and at least one affiliated company code information are associated and stored in a storage medium. Payment authentication request information such as card information and payment cost information is received from an affiliated store. It is checked whether an affiliated store corresponding to the affiliated stored code information is a payment authentication target through an associated cash account associated with card information by associating with the storage medium(1210).

Description

System and Method for Settling Affiliated Store by Non-Financial Affiliated Company's Cash and Recording Medium}

1 is a multi-linked card of a customer account (or a virtual account having the real account as a parent account) and a cash account of the customer name provided in a non-financial partner's own cache system according to an embodiment of the present invention. A diagram illustrating a card payment system configuration of an offline affiliated merchant used.

FIG. 2 is a diagram illustrating a functional configuration of an affiliated store terminal having a card payment function of an affiliated affiliate store interworking with a non-financial affiliate cache system according to an embodiment of the present invention.

FIG. 3 is a view illustrating an operation of an affiliated store terminal for card payment of an affiliated affiliate store that interoperates with a non-financial affiliate cache system according to an embodiment of the present invention.

4 is a diagram illustrating a configuration of a professional processing system that provides a card payment function of an affiliated affiliate store that interoperates with a non-financial affiliate cache system according to an embodiment of the present invention.

5 is a diagram illustrating a professional processing process for card payment through a non-financial partner cash system according to an embodiment of the present invention.

6 is a diagram illustrating a professional processing process for card payment through a non-financial partner cash system according to another embodiment of the present invention.

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

8 is a diagram illustrating a configuration of an affiliated merchant payment processing system interworking with a non-financial affiliate cache system according to an embodiment of the present invention.

9A and 9B are diagrams illustrating a payment approval request process for payment of a card of an affiliate affiliated with a non-financial affiliate cache system according to an exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a card payment processing process of an affiliate affiliate store that interoperates with a non-financial affiliate cache system according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a card payment history processing process of an affiliate affiliate store that interworks with a non-financial affiliate cache system according to an exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a payment approval request process for payment of a card of an affiliate affiliated store that interoperates with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a card payment processing process of an affiliate affiliate store that cooperates with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

FIG. 14 is a diagram illustrating a card payment history processing process of an affiliate affiliate store that interworks with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

FIG. 15 is a diagram illustrating a payment approval request process for payment of a card of an affiliated affiliate store that interworks with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

16A and 16B illustrate a card payment processing process of an affiliate affiliated store that interoperates with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

FIG. 17 is a diagram illustrating a card payment history processing process of an affiliate affiliate store that interworks with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a process of synchronizing payment processing details of affiliated affiliates with a fund management account according to an embodiment of the present invention.

19 is a diagram illustrating a configuration of an affiliate affiliate cache for affiliate affiliate store payment processing according to an embodiment of the present invention.

20 is a diagram illustrating a process of checking a cash account balance for affiliated merchant payment processing according to an embodiment of the present invention.

FIG. 21 is a diagram illustrating a cash account balance check process for affiliated merchant payment processing according to another embodiment of the present invention. FIG.

FIG. 22 is a diagram illustrating a payment processing process of an affiliate affiliate store through a cash account balance of a non-financial affiliate cache system according to an exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a payment processing process of an affiliate affiliate store through a cash account balance of a non-financial affiliate cache system according to another embodiment of the present invention.

FIG. 24 is a diagram illustrating a process of synchronizing a cash account transaction history corresponding to a payment processing history of an affiliate affiliate with a money management account according to an embodiment of the present invention.

<Description of main parts of drawing>

100: bansa server 105: card company server

110: relay server 115: financial company server

120: cache account management server 125: merchant terminal

The present invention provides card information associated with a real account (or a virtual account having the real account as a parent account) of a customer's name, cache account information and at least one affiliate code information of the customer's name provided in the non-financial affiliate's own cache system. Storing the information in a storage medium in association with the service information; and receiving payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from the affiliated store terminal provided in the affiliated store; Checking whether an affiliate corresponding to the affiliate code information is a payment approval target through a cache account associated with the card information; and if the affiliate is identified as a payment approval target through the cache account, Confirming cache account information associated with the card information from a storage medium; Payment approval request information including at least one of left information, payment amount information, merchant number information, and affiliate code is transmitted to the non-financial partner's own cache system so that payment is approved through an amount corresponding to the cache deposited in the cash account. It relates to a method for processing affiliate merchant payments through a non-financial affiliate's cache comprising the step of processing.

With the continued development of information and communication technology, the economic activity of online has become commonplace, and websites requiring online payment service have a payment platform that provides card payment and wire transfer payment, or a payment agency's payment platform. Although the lease is used, the card payment and bank transfer payment service includes a problem of providing a fee (or a predetermined amount) of a payment amount to a payment issuer or a payment agent.

Therefore, in case of some large websites requiring large payment service, in addition to the payment platform that provides the card payment and bank transfer payment, a certain amount is charged and the payment is made within the payment limit without additional fees. It operates with a rechargeable payment means that provides services.

Here, the most common form of the rechargeable payment means deposits a customer's deposit in a fund management account of the website operator opened in a financial institution, and is deposited in the fund management account on a database associated with the website. After depositing a cash or cyber money corresponding to the customer's money of the amount in the cash account of the customer's name, to provide a payment service on the website through the cash account It is in the form of its own cache system.

However, due to the limitation of the use target of using the cache charged in the own cache system only on the website, most of the own cache system cannot be activated and some loyal customers (or loyal users) who continuously use the website are excluded. Rarely used.

An object of the present invention for solving the above problems, the card information associated with a real account (or a virtual account of the real account as the parent account) of the customer name and the customer name provided in the non-financial partner's own cache system A storage medium that stores cache account information and one or more affiliate code information in association with each other, and payment approval including one or more card information, payment amount information, affiliate store number information, and affiliate code information from an affiliated terminal provided in the affiliated affiliate store. Information receiving means for receiving the request information, information confirming means for confirming whether a merchant corresponding to the affiliate code information in association with the storage medium is subject to payment approval through a cache account associated with the card information, and the merchant stores the cache; If it is confirmed that the payment is authorized through the account, the card information from the storage medium Check the cache account information associated with the cache account, and transmit the payment approval request information including one or more of the cache account information, payment amount information, affiliated store number information, and affiliate code to the non-financial partner's own cache system to transmit the cache account; Payment approval request information including the card information, payment amount information, and merchant number information, if the payment process is authorized to be approved through the amount corresponding to the cache deposited in the bank; Through a cache of a non-financial partner affiliated with a relay transmission means for transmitting the payment to the payment server corresponding to the card information so as to be approved for payment through an amount deposited in the real account (or a virtual account having the real account as a parent account). An affiliate merchant payment processing system is provided.

In the payment processing method of an offline affiliated merchant through a non-financial affiliate's cache having its own cache system operating a cache account under a customer's name, a real account (or a virtual account using the real account as a parent account) in a customer's name is used. And storing the card information associated with the card information associated with the non-financial partner's own cache system and storing the cash account information of the customer's name and one or more affiliate code information in a storage medium, and the affiliated terminal provided in the affiliated merchant. Receiving payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from the merchant; and the affiliate store corresponding to the affiliate code information in association with the storage medium; Confirming whether the payment is approved through a cash account associated with the affiliate When it is confirmed that the payment is approved through the cache account, the cache account information associated with the card information is confirmed from the storage medium, and the cache account information, payment amount information, merchant number information, and one or more affiliate code are included. And transmitting the payment approval request information to the non-financial partner's own cache system to process the payment approval through an amount corresponding to the cache deposited in the cache account.

On the other hand, the payment processing method of an offline affiliated merchant through a cache of a non-financial affiliate that has its own cache system operating a cache account under the customer's name according to the present invention, Storing the information on the storage medium in association with the card information associated with the virtual account), the cache account information of the customer name, the cache account balance information, and one or more affiliate code information included in the non-financial partner's own cache system; Receiving payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from the affiliated terminal provided in the affiliated merchant; and connecting the storage medium to the affiliate code information. Whether the corresponding merchant is subject to payment authorization through the cash account associated with the card information; Checking and checking the cache account information associated with the card information from the storage medium, and checking the cache account balance and the payment amount information for the cache account from the storage medium. Comparing and comparing the cache account balance of the storage medium with the cache account balance of the non-financial partner's own cache system; It is characterized by comprising.

In the affiliated merchant payment processing method through the non-financial partner affiliate cache according to the present invention, in connection with the storage medium checks whether the card information associated with the cash account information of the customer name provided in the non-financial partner's own cache system Characterized in that it further comprises the step of.

In the affiliated merchant payment processing method through the cache of the non-financial affiliates according to the present invention, if the merchant is not confirmed as the payment approval target through the cache account, payment approval including the card information, payment amount information and merchant number information And transmitting the request information to a payment server corresponding to the card information so as to approve payment through an amount deposited in the real account (or a virtual account having the real account as a parent account). .

In the affiliated merchant payment processing method through the non-financial affiliates cache according to the present invention, if the affiliate is confirmed as the payment approval target through the cache account, the customer (or card information, through the non-financial affiliates' own cache system, Or checking the value information available through the partnership among the value information provided to the cash account and subtracting the amount corresponding to the confirmed value information from the payment amount if the value information is confirmed. Characterized in that made.

In the affiliated merchant payment processing method through the non-financial affiliates cache according to the present invention, if the affiliated party is confirmed as the payment approval target through the cache account, the payment amount is exchanged in the cache unit of the non-financial affiliates' own cache system Characterized in that it further comprises the step of.

In the affiliated merchant payment processing method through the non-financial partner's cache according to the present invention, the payment of the payment amount through the amount corresponding to the cache deposited in the cache account associated with the card information from the non-financial partner's own cache system And receiving the payment approval result information including the processing details and processing the payment approval result text to be transmitted to the affiliated store terminal.

The affiliated merchant payment processing method through the cash of the non-financial affiliates in accordance with the present invention, the step of confirming the payment amount (1) of the partial payment approved of the payment amount through the amount corresponding to the cache deposited in the cash account; Calculating (or confirming) a payment amount (2) by subtracting the partial payment approved payment amount (1) from the payment amount and payment approval including the card information, payment amount information (2), and merchant number information; And transmitting the request information to a payment server for the card so as to approve payment through an amount deposited in the real account (or a virtual account having the real account as a parent account).

In the affiliated merchant payment processing method through the non-financial affiliates cache according to the present invention, the payment through the amount deposited from the payment server to the real account associated with the card information (or virtual account using the real account as a parent account). Receiving payment approval result information including payment processing details (2) of the payment amount (2) and reading the payment processing details (2) to the real account (or virtual account having the real account as the parent account); Confirming payment approval information of the payment amount 2 through the deposited amount; and if the payment approval of the payment amount 2 is confirmed, the amount corresponding to the cache deposited in the cache account associated with the card information; Payment processing details (2) of the payment amount (2) through the amount deposited in the payment processing details (1) of the payment amount (1) and the real account (or virtual account using the real account as a parent account) through Containing And further comprising generating a payment processing history.

In the affiliated merchant payment processing method through the non-financial affiliates cache according to the present invention, reading the payment processing history through the cache account to confirm the payment approval information for the payment amount, and when the payment approval confirmation, Providing a payment processing history for the cash account to a financial company server managing a cash management account managing the cash account, thereby synchronizing the transaction history of the money management account with the payment processing history for the cache account; Characterized in that made.

In the affiliated merchant payment processing method through a non-financial partner's cache according to the present invention, the card information, a dedicated BIN for confirming that the non-financial partner's own cache system associated with the cash account information of the customer name (Bank Identification Number) information, characterized in that comprises.

The affiliated merchant payment processing method through the non-financial affiliates cache according to the present invention, by reading the BIN information of the card information and the card information and the cash account information of the customer name provided in the non-financial affiliates own cache system; It further comprises the step of checking whether the connection.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the affiliated merchant payment processing method through the aforementioned non-financial affiliates cache.

On the other hand, the payment processing system of the offline affiliated merchants through the cache of the non-financial affiliates having their own cache system operating a cache account under the customer's name according to the present invention, A storage medium for linking and storing card information associated with the virtual account), the cashier's name information of the customer's name and one or more affiliate code information included in the non-financial affiliate's own cache system, and the affiliated store terminal provided in the affiliated merchant. Information receiving means for receiving the payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from; and an affiliate store corresponding to the affiliate code information in association with the storage medium; Confirmation of payment authorization through the cash account linked with the card information When the means and the affiliated store are confirmed to be the payment approval target through the cache account, the cache medium information associated with the card information is confirmed from the storage medium, and the cache account information, payment amount information, merchant number information, and affiliate code Transfer payment approval request information including one or more to the non-financial partner's own cache system to process the payment approval through the amount corresponding to the cache deposited in the cache account, the merchant is subject to payment approval through the cache account If not confirmed, the payment authorization request information including the card information, payment amount information and merchant number information is transmitted to the payment server corresponding to the card information to the real account (or the virtual account as the parent account) It has a relay transmission means for processing the payment to be approved through the amount deposited in Characterized in that W is made.

On the other hand, the payment processing system of the offline affiliated merchants through the cache of the non-financial affiliates having their own cache system operating the cache account of the customer name according to the present invention, the real account (or the real account as the parent account) A storage medium for storing the card information associated with the virtual account) and the cache name information of the customer's name, the cache account balance information, and at least one affiliate code information provided in the non-financial partner's own cache system, and the affiliated affiliate store. Information receiving means for receiving the payment approval request information including at least one card information, payment amount information, affiliate store number information, and affiliate code information from the affiliated terminal provided in the terminal; and the affiliate code information in association with the storage medium. Corresponding merchant is subject to payment approval through a cash account associated with the card information Information confirming means for confirming whether the payment is authorized for the payment through the cache account, the cache account information associated with the card information is confirmed from the storage medium, and the balance of the cache account for the cache account and the Payment approval confirmation means for confirming payment approval through the amount corresponding to the cache deposited in the cash account by comparing the payment amount information and the cash account balance of the storage medium and the cash account balance of the non-financial partner's own cache system And synchronization processing means for performing synchronization processing.

In the affiliated merchant payment processing system through the cache of the non-financial affiliates according to the present invention, if the merchant is not confirmed as the payment approval target through the cache account, the payment approval including the card information, payment amount information and merchant number information And transmitting transmission of the request information to a payment server corresponding to the card information so as to be approved for payment through an amount deposited in the real account (or a virtual account having the real account as a parent account). It is done.

In the affiliated merchant payment processing system through a non-financial partner affiliate cache according to the present invention, the information check means, the card information in association with the storage medium of the customer name provided in the non-financial partner's own cache system It is characterized in that it further comprises checking whether or not associated with the cache account information.

In the affiliated merchant payment processing system through the non-financial affiliates cache according to the present invention, if the affiliate is confirmed to be the payment approval target through the cache account, the customer (or card information, Or value checking means for confirming the value information available through the partner and the value information, if the value information is confirmed, of the value information provided to the cash account). It is characterized by comprising a means.

In the affiliated merchant payment processing system through the non-financial affiliates' cache according to the present invention, if the affiliated party is confirmed as the payment approval target through the cache account, the payment amount is exchanged in the cache unit of the non-financial affiliate's own cache system. It is characterized by further comprising a currency exchange processing means.

The affiliated merchant payment processing system through the non-financial partner's cache according to the present invention, the payment of the payment amount through the amount corresponding to the cache deposited in the cache account associated with the card information from the non-financial partner's own cache system It characterized in that it further comprises a relay receiving means for receiving payment approval result information including the processing details and information transmitting means for transmitting the payment approval result information to the bansa server.

The affiliated merchant payment processing system through the non-financial affiliates cache according to the present invention, the partial approval confirmation for confirming the partial payment approved payment amount (1) of the payment amount through the amount corresponding to the cache deposited in the cash account Means for calculating (or confirming) a payment amount (2) by subtracting the payment amount (1) approved by the partial payment from the payment amount. The payment approval request information including the card information, payment amount information (2) and merchant number information is transmitted to the payment server for the card to be deposited in the real account (or a virtual account having the real account as a parent account). Characterized in that the processing to be approved for payment through the amount.

In the affiliated merchant payment processing system through the non-financial affiliates cache according to the present invention, the payment through the amount deposited in the real account (or virtual account using the real account as the parent account) associated with the card information from the payment server Relay receiving means for receiving payment approval result information including payment processing details (2) of the payment amount (2) and a virtual account that reads the payment processing details (2) to the real account (or the real account as a parent account). Payment approval confirmation means for confirming payment approval information of the payment amount (2) through the amount deposited in the) and, if the payment approval of the payment amount (2) is confirmed, deposited in the cash account associated with the card information. Determination of the settlement amount (1) of the settlement amount (1) through the amount corresponding to the cache and the settlement amount (2) through the amount deposited in the real account (or a virtual account with the real account as a parent account) It further comprises a history generating means for generating a payment processing history including a processing history (2), and information generating means for generating payment approval result information by including the payment processing history according to a predetermined information structure It is done.

The affiliated merchant payment processing system through the non-financial partner's cache according to the present invention, the financial company server that manages the cash management account for managing the cash account, upon confirmation of payment approval through the cache account of the non-financial partner's own cache system It is characterized in that it further comprises a synchronization processing means for providing a payment processing history for the cash account to synchronize the transaction history of the cash management account and the payment processing history for the cache account.

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

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

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

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

1 is a multi-linked card of a customer account (or a virtual account having the real account as a parent account) and a cash account of the customer name provided in a non-financial partner's own cache system according to an embodiment of the present invention. A diagram illustrating a card payment system configuration of an offline affiliated merchant used.

In more detail, Figure 1 shows a card issued by a financial company (or a card company) in association with a real account (or a virtual account having the real account as a parent account) in a client's name, which is provided in the non-financial partner's own cache system. The non-financial affiliate after issuing multiple linkage processing with a cash account of the customer's name, or issuing a real account (or a virtual account having the real account as the parent account) of the customer's name and a card multi-linked with the cache account to the customer. A system configuration for processing a card payment using the card through an affiliated terminal 125 provided in an offline affiliated store affiliated with an affiliated affiliate of the present invention. Various implementation methods (e.g., some phrases) for the configuration of the card payment system of the offline affiliated merchant by referring to 1 and / or modified Addition, omission, subdivision, or combined) may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG. No.

Referring to FIG. 1, the offline payment affiliated card payment system includes an affiliated store terminal 125 provided at the affiliated affiliated store, a real account (or a virtual account having the real account as a parent account), and a non-financial ticket in the name of the customer. A relay server 110 that processes offline affiliated merchant card payment through a card linked to the customer's name, which is provided in the affiliate's own cache system, and the card linked to the customer's name, and the real account (or the real account of the customer's name) as the parent account. And a financial institution server 115 for opening and operating a fund management account of the non-financial affiliate that manages the cash account of the customer's name, and opens and operates a cash account of the customer's name. Non-financial partner affiliate cache system, characterized in that it comprises a server operating server 120, communication with the merchant terminal 125 Results are further characterized in that comprises a baensa server 100 for handling specialized relay between the merchant terminal 125 and the relay server (110).

In addition, the card payment system of the offline affiliated merchant, characterized in that it further comprises a card company server 105 for processing the card payment request, when the general card payment request from the merchant terminal 125, wherein Bansa server 100 is characterized in that for processing the professional relay between the merchant terminal 125 and the card company server 105.

The affiliated store terminal 125 may include at least one CAT (Credit Authorization Terminal) provided at the affiliated store, or at least one point of sales (POS) terminal having a payment function.

The bansa server 100 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) connection and a communication channel with an affiliated store terminal 125 provided at the affiliated store through a public communication network including at least one or more IEEE 802.1xx based wireless network, x.25 based communication network, encryption / Relays a payment related message between the affiliated store terminal 125 and the card company server 105 by connecting a communication channel with a card company server 105 corresponding to the card information through a dedicated communication network including at least one decryption-based communication network. Characterized in that the transmission.

According to the present invention, the bansa server 100 is a transmission control protocol / Internet Protocol (TCP / IP) based communication network or a dedicated communication network for card payment processing of affiliated affiliates interworking with a non-financial affiliate cache system. A real account (or a customer's name) connected to the relay server 110 through a communication network and having a card corresponding to the card information included in the payment approval request message received from the affiliated store terminal 125 opened in a financial institution. And a check card associated with a cash account of the customer's name provided in a non-financial partner's own cache system, the card information, payment amount information, and merchant number information. And relaying the payment approval request information transmitted to the relay server 110 including one or more affiliate code information. .

When the payment approval request message is received from the affiliated store terminal 125, the bansa server 100 stores the real account (or the real account) of the customer's name in which the card information included in the payment approval request message is opened in the financial sector. And a check card associated with the cash account of the customer's name, which is associated with the non-financial partner's own cache system.

If the card corresponding to the card information included in the full payment approval request is confirmed as a credit card information or a check card associated only with a real account of the customer's name opened in the bank, the bansa server 100 is Read the Bank Identification Number (BIN) included in the card information to confirm the card company server 105 (or the financial company server 115) to be relayed and sent to the card company server 105. Characterized in that the transmission of the payment approval request relay.

On the other hand, a card corresponding to the card information included in the payment approval request text is linked to a real account (or a virtual account having the real account as the parent account) opened in a financial institution, and is connected to a non-financial partner's own cache system. When it is confirmed that the check card is associated with the provided cash account of the customer, the Bansa server 100 transmits the payment approval request information including one or more of the card information, the payment amount information, the affiliated store number information, and the partner code information. It characterized in that the relay transmission to the relay server (110).

The card company server 105 issues a card corresponding to the card information included in the payment approval request text, and transmits the card to the card based on the card information included in the payment approval request text received from the bansa server 100. It is characterized in that the payment is approved for approval, and payment processing for the payment amount through the payment approval limit amount.

The financial company server 115 is a server provided to a financial company that operates a real account (or a virtual account having the real account as a parent account) associated with the card information, and the card information and payment amount information from the relay server 110. When payment approval request information including affiliate store number information is received, the real account (or virtual account having the real account as the parent account) associated with the card information is checked and the confirmed real account (or the real account) And comparing the balance of the virtual account of the parent account with the payment amount information to determine whether the payment is approved for the payment amount.

When payment approval for the payment amount is processed, the financial institution server 115 may generate payment processing details (or payment approval result information including payment processing details) and transmit them to the relay server 110. .

In addition, the financial institution server 115 (or any one of the financial institution server 115 provided in different financial institutions) is preferably to open and manage a fund management account for managing the cache account of the affiliate's own cache system, The amount approved for payment through the amount corresponding to the cache deposited in the cash account is preferably settled to the affiliated store corresponding to the affiliate through the money management account.

The relay server 110 receives payment approval request information including card information, payment amount information, affiliate store number information, and affiliate code information from the bansa server 100, and the affiliate store corresponding to the affiliate code information stores the card. After confirming that the payment approval target through the cache account associated with the information, if the merchant is confirmed as the payment approval target through the cache account, check the cache account information associated with the card information from the cache account D / B, and The payment approval request information including at least one of the confirmed cache account information, payment amount information, affiliated store number information and affiliate code information is characterized in that it transmits to the partner's own cache system.

Alternatively, the relay server 110 receives payment approval request information including card information, payment amount information, affiliated store number information, and affiliate code information from the bansa server 100, and receives card information and payment amount information from the server. And the payment approval request information, including affiliated store number information and affiliate code information, characterized in that the relay relay transmission to the partner's own cache system.

The cache account operating server 120 is provided in the non-financial partner's own cache system to operate a cache account of the customer name associated with the card information, the cache account information (from the relay server 110) Or credit card information), payment amount information, affiliated store number information, and affiliated code information, when payment approval request information is received, the cache of the customer name corresponding to the cache account information included in the received payment approval request information is received. The payment balance (or partial payment authorization) for the payment amount may be processed by comparing the remaining balance of the account with the payment amount (or the payment amount exchanged in cache units).

Upon the payment approval (or partial payment approval), the cache account operation server 120 subtracts the payment approved amount (or cache) from the cache deposited in the cache account of the customer's name, and subtracts the payment approved amount. Characterized in that the payment approval result information including the payment processing history, including, characterized in that for transmitting to the relay server (110).

FIG. 2 is a diagram illustrating a functional configuration of an affiliated store terminal 125 having a card payment function of an affiliated affiliate store that interoperates with a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a non-financial ticket for a card payment service of an affiliated merchant affiliated with a non-financial affiliate cash system in a merchant terminal 125 including at least one credit authorization terminal (CAT) and a point of sales terminal. One embodiment of the function configuration of the merchant terminal 125 having a card payment function of the affiliated merchant that works with the affiliated cache system, and a person having ordinary knowledge in the technical field to which the present invention pertains, refer to FIG. 2. And / or various implementation methods for the functional configuration of the affiliated store terminal 125 having the card payment function of the affiliated affiliate that interoperates with the non-financial affiliate cache system (for example, some components are omitted or subdivided, or Combined method of implementation), but the present invention comprises all of the inferred method of implementation, Only an exemplary way shown in the Figure 2 is not limited that technical feature.

Referring to FIG. 2, an affiliated store terminal 125 having a card payment function of an affiliated affiliate store interworking with the non-financial affiliate cache system basically includes a control unit 200, a memory unit 245, and a card reader unit 205. A power supply unit 220 for supplying power to the key input unit 215, the screen output unit 210, the communication processing unit 225, the security application module 230, the print output unit 235, and the affiliated store terminal 125. It is made to include one or more, and comprises at least one or more terminal functional units (not shown) according to the intention of those skilled in the art.

The control unit 200 controls the overall operation of the affiliated store terminal 125 in the functional configuration, manages the flow of information (or data) between each component, the card payment of the affiliated merchant affiliated with the non-financial affiliate cache system Characterized in that interlocking and controlling at least one or more components provided in the affiliated store terminal 125 for a function, at least one or more including hardware (Central Processing Unit) / MPU (Micro Processing Unit) It comprises a processor and execution memory (for example, register or RAM (Random Access Memory)) and a bus (BUS) for inputting and outputting data, characterized in that the software specific to the merchant terminal 125 and the non-financial affiliates In order to perform a card payment function of an affiliated merchant that interworks with a cache system, a recording medium (eg, the memory unit 245) One or more program routines and / or program data loaded into the execution memory and processed by the processor (hence, for card payment function of an affiliated merchant affiliated with the non-financial affiliate cache system). Software processing for the card payment function of the affiliated merchants that interoperate with the non-financial affiliate cache system among the programs recorded on the recording medium provided in the affiliated store terminal 125 or the functional configuration provided in the affiliated store terminal 125. Possible components are shown in the control unit 200).

According to the exemplary embodiment of the present invention, the controller 200 outputs the components (for example, the memory unit 245, the card reader unit 205, the key input unit 215, and the screen) provided in the affiliated store terminal 125. The unit 210, the communication processor 225, the security application module 230, the print output unit 235, or one or more terminal function units (not shown) additionally provided according to the intention of those skilled in the art are interoperable with each other. The configuration provided in the affiliated store terminal 125 for controlling and managing providing a general card settlement service defined in the affiliated store terminal 125 as well as a card payment function of an affiliated affiliate store that interworks with the non-financial affiliate cache system. The program is recorded on the recording medium provided in the affiliated store terminal 125 for the card payment function of the affiliated affiliate store which controls the elements by interworking with each other or interlocks with the non-financial affiliate cache system. It is preferable to carry out.

The memory unit 245 is a program routine (or code) for controlling the overall operation of the merchant terminal 125 and the information (or input and output when the operation by the program routine (or code) is performed (or Data)), which is a generic term for non-volatile memory, comprising at least one storage means including one or more EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), and HDD (Hard Disk Drive). And a program routine and program data (for example, a system program routine and a system parameter) required to perform a control function of the control unit 200, and the non-financial affiliate cache system. Stores more program routines and program data used for card payment functions of affiliated affiliates And that is characterized.

According to an exemplary embodiment of the present invention, the memory unit 245 may store affiliate store number information to be included in a payment approval request in the process of providing a general card settlement service defined in the affiliated store terminal 125.

According to an exemplary embodiment of the present invention, the affiliated store number information may include a unique affiliated store number (or code) assigned by the bansa (or card company) to the affiliated store for card payment, in which case the payment approval Checking the merchant account information corresponding to the merchant number information from any one of the Bansa server 100, the card company server 105, the relay server 110, the cache account operating server 120 via the request message. It is possible.

According to another exemplary embodiment of the present invention, the affiliated store number information may include the affiliated store account information, whereby the present invention is not limited thereto.

In addition, the memory unit 245 is associated with a real account (or a virtual account using the real account as the parent account) opened in the financial institution for the card payment function of the affiliated merchants linked to the non-financial affiliate cash system, and In addition, it is preferable to store one or more dedicated Bank Identification Number (BIN) information corresponding to the check card associated with the Cash Account of the customer name provided in the non-financial partner's own cache system.

Here, the dedicated BIN information is the first four digits (or six digits) of the card number in the check card information, in addition to the BIN information assigned to the conventional customer card, the card payment of the affiliated merchant affiliated with the non-financial affiliate cache system. It is desirable to include dedicated BIN information allocated separately for the service.

In addition, the memory unit 245 is the payment amount (or part of the payment amount) through the check card including the dedicated BIN information for the card payment function of the affiliated merchants that work in conjunction with the non-financial affiliate cash system; Stores affiliate code information for payment processing through a cache (or an amount corresponding to a cache deposited in the cache account) stored in the cash account of the customer name provided in the non-financial affiliate's own cache system associated with the check card. It is desirable to.

Here, the affiliate code information is a cache (or the deposit) deposited in the cash account of the customer name provided in the own cache system the payment amount (or a portion of the payment amount) through the check card in the own cash system of the non-financial affiliates And a unique code (or number) assigned to identify or confirm that it is an affiliated merchant for payment processing through an amount corresponding to the cache deposited in the cache account.

According to another exemplary embodiment of the present invention, the affiliated party code information may be used as is, the affiliated store number information, and the present invention is not limited thereto.

A customer who receives a card payment service of an affiliate affiliate store that interworks with a general card payment service or the non-financial affiliate cache system through the affiliated store terminal 125 may use an MS (Magnetic Stripe) card, or based on an ISO / IEC 7810 standard. Have (or own) a contact IC card (or wireless IC chip) based on ISO / IEC 7816, or a customer card containing at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 The card reader unit 205 is characterized by providing an interface for reading card information provided in the customer card.

According to the exemplary embodiment of the present invention, the card reader unit 205 may be configured to provide an interface between the MS card unit and the affiliated store terminal 125, and an interface between the contact IC card and the affiliated store terminal 125. Preferably, the contact IC reader includes one or more contactless IC readers that provide an interface between the contactless IC card and the affiliated terminal 125.

The MS reader unit is a card reader unit 205 based on ISO / IEC 7810, and includes at least one magnetic head including a coil, and includes predetermined binary data (eg, magnetization). The binary data) is moved in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with the MS card in which the binary data is recorded), and the magnetic head corresponds to the binary data. The binary data corresponding to the card information is interfaced to the affiliated store terminal 125 from at least one track provided in the MS of the MS card by using an electrical signal loaded.

The contact IC reader unit is a card reader unit 205 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) provided in a contact IC card. And supply power to the IC chip of the IC card through the contact point, and correspond to the card information from the IC chip through the half duplex communication interface through an APDU (Application Protocol Data Unit). IC chip storage (or processing) data to the merchant terminal 125 is characterized in that the interface.

The contactless IC reader unit is a card reader unit 205 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. An IC chip comprising an antenna and supplying power to the IC chip of the IC card through the antenna, and corresponding to the card information from the IC chip through the half duplex communication interface using APDU. The storage (or processing) data may be interfaced to the affiliated store terminal 125.

According to the method of the present invention, the card reader unit 205 is the card reader unit for the card payment service of the affiliated merchant affiliated with a general card payment service or a non-financial affiliate cache system defined in the merchant terminal 125 Corresponding to the payment means information (e.g., payment means information including one or more credit card information, check card information, debit card information, cash card information, financial account information) from the customer card through the (205) It is desirable to read card information.

The key input unit 215 is input from a key input device having a key button including at least one of a number key, a character key, and a function key. Detects information (or signal), and at least one information (or signal) is received from a key button provided in the key input device in a specific input mode or operation mode of the affiliated store terminal 125 controlled by the controller 200. When input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 200. A command for checking and inputting key data corresponding to the key event in a current input mode or an operation mode of the terminal 125 or executing a function defined by matching the key event And determine to process, the key input unit 215 is characterized in that in association with the said key input device comprises at least one key button to perform the functions of the key input means provided in the merchant terminal 125.

The key input device interworking with the key input unit 215 may be a keypad device including one or more numeric keys and function keys, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function key. A keyboard device having a; or at least one numeric key and a function key in conjunction with a screen output means provided in the affiliated store terminal 125, or a touch screen having at least one numeric key, a character key, and a function key. It is preferred to include at least one device.

According to an embodiment of the present invention, the key input unit 215 is one or more key input device for the card payment service of the affiliate merchant affiliated with the general card payment service or the non-financial affiliate cache system defined in the merchant terminal 125 It is preferable to perform the function of the key input means for receiving the key data (eg, payment amount, etc.) related to the full text generation from the.

In addition, the key input unit 215 is used for the card payment function of the affiliated merchant affiliated with the non-financial affiliate cache system from the key input device for the card payment service of the affiliated merchant affiliated with the non-banking affiliate cache system. It is preferable to perform the function of the key input means for receiving the above key data.

According to an embodiment of the present invention, a key input device corresponding to the key input unit 215 may be configured to provide an affiliated merchant that interoperates with the non-financial affiliate cache system in an initial mode or a general payment mode. Preferably, a key button for switching to the affiliated payment mode for the card payment function is provided.

The screen output unit 210 outputs a screen including a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 200 in the process of the merchant terminal 125 providing the general card payment service. And output one or more screen output information (or data) that is predefined or real time to be output to the device through a predefined interface screen, wherein the screen output unit 210 is linked with the screen output device. Characterized in that performs the function of the screen output means provided in the affiliated store terminal (125).

Screen output information (or data) predefined to be output from the affiliated store terminal 125 to the screen output device is provided in the key data input through the key input unit 215 or in the affiliated store terminal 125. Information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processor 225, or information (or data) corresponding to an operation result performed by the affiliated store terminal 125. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 210 outputs the screen for the card payment service of the affiliate merchant affiliated with the general card payment service or the non-financial affiliate cache system defined in the merchant terminal 125 It is preferable to perform the function of the screen output means for outputting each function processing screen to the apparatus.

The communication processor 225 communicates with the bansa server 100 through a communication network in a process in which the affiliated terminal 125 provides a card payment service of an affiliate affiliate store that interworks with the general card payment service or a non-financial affiliate cache system. Characterized in that it comprises a network communication unit for connecting the cable communication unit for connecting a communication session with the at least one terminal (or device) located in close proximity to the merchant terminal 125 through a cable communication port according to the intention of the skilled person Or a short range wireless communication unit for connecting a communication session with the affiliated store terminal 125 and a short range communication terminal (or device) device located at a short distance through one or more short range wireless communication means. (Or communication session) to connect a communication protocol or driver It is made to include.

The network communication unit includes a wired communication network including at least one or more xDSL-based wired communication network, public switched telephone network (PSTN), intelligent network and Ethernet, or code division multiple access (CDMA) / WCDMA. (Wide-CDMA) based mobile communication network, HSDPA (High-Speed Downlink Packet Access) based wireless communication network, IEEE 802.16x based wireless communication network including at least one or more through a wireless communication network to connect the communication channel with the server 100 Characterized in that, including a modem (Modem) or NIC (Network Interface Card) for connecting the merchant terminal 125 to the communication network in hardware, the merchant terminal 125 in software It includes a communication protocol or a driver for connecting to the communication network.

The cable communication unit connects a cable communication session with one or more terminals (or devices) located at a short distance from the affiliated store terminal 125 through cable communication (eg, RS-232c or Universal Serial Bus (USB)). It comprises a cable communication port to which the cable is connected in hardware, 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 comprises a barcode reader, or at least one RFID (Radio Frequency Identification), or if the merchant terminal 125 is CAT, the It is preferable to include a POS terminal having a barcode reader or an RFID reader.

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). A local area communication terminal (or device) and a local area wireless communication session are connected through at least one local area wireless communication means, and the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, Wi-Fi, and UWB. Including a short range wireless communication module for a short range wireless communication, and comprises a communication protocol or driver for the short range wireless communication in software.

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

The secure application module 230 (SAM) is the merchant terminal 125 reads the payment means provided in the customer card through the card reader unit 205, and the card payment through the payment means Using the authentication server (or bansa server 100) on the network to meet security requirements including one or more of the following requirements: confidentiality, authentication, integrity, nonrepudiation, etc. As a safety device for performing a secure and reliable structure in the affiliated store terminal 125, the process in the process of the merchant terminal 125 performs a security request function (for example, payment through the payment means). Encrypting or decrypting the message (information (or data)) to be added, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It is characterized by performing a function of storing important key information in the process, it can be omitted according to the intention of those skilled in the art.

In general, the security application module 230 is preferably composed of a security application module 230 inserter and a security application module 230 chip, the security application module 230 chip is a chip containing at least 8 bits or more CPU 2MIPS (Application Specific Integrated Circuit (ASIC) chip (e.g., PLCC 44-pin chip) or IC chip (e.g., IC card in the form of subscriber identity module (SIM)) having a performance of (Million Instructions Per Second) or more It is preferable.

In addition, the security application module 230 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the merchant terminal 125 to perform a security request function, Or a key (e.g., one master key and at least one application key), or a protocol (e.g., a transaction protocol, a retransaction protocol, a previous transaction cancellation protocol, a collection protocol, a SAM issuance protocol, a (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol), or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove) Command) is preferably provided.

The print output unit 235 is a process in which the affiliated store terminal 125 provides a card payment service of an affiliated affiliate store that interworks with the general card payment service or a non-financial affiliate cache system, or as a result of printing information (or Data) (e.g., payment processing details) to a printing device 240 (e.g., a receipt printer), and prints the print information (or data) in accordance with a predefined printing form. It includes a print protocol and a driver for printing through).

Referring to FIG. 2, the affiliated store terminal 125 may input card information read from a customer card through the card reader unit 205 or may perform customer wireless communication through a short range wireless communication unit of the communication processor 225. The card information input unit 250 for input processing of the card information received from the terminal and the payment amount information input from a predetermined key input means through the key input unit 215, or the one or more through the cable communication unit And a payment amount input unit 260 for inputting the payment amount information confirmed by the terminal (or device), and the memory unit 245 in the card information input through the card information input unit 250. Check whether the dedicated BIN information stored in the card information is included in the card information, and if the dedicated BIN information is not included in the card information, Maintaining (or switching) a mode to a general payment mode for providing the general card payment service, and if the card information includes the dedicated BIN information, the non-banking affiliate cash cache operating mode of the merchant terminal 125 And a mode switching unit 255 for switching to an alliance settlement mode for providing a card payment service of an affiliated merchant that interworks with the system.

When card information corresponding to payment means information is read from the customer card through the card reader unit 205, the card information input unit 250 reads card information read from the customer card through the card reader unit 205. Characterized in that the input processing.

Alternatively, when the short range wireless communication unit connects a short distance communication session with a customer wireless terminal located near the affiliated store terminal 125, the card information input unit 250 receives card information from the short distance communication session through the short distance communication session. It is possible to process the input.

The payment amount input unit 260 outputs the payment amount input screen through the screen output unit 210 and then inputs the payment amount information when the payment amount information is input through the key input unit 215. It is characterized by.

Alternatively, after reading barcode information (or RFID code information) from a barcode reader or an RFID reader through the cable communication unit, and if payment amount information corresponding to the barcode information (or RFID code information) is confirmed, the payment amount input unit 260 is an input process of the confirmed payment amount information.

When card information is input through the card information input unit 250, the mode switching unit 255 checks the dedicated BIN information stored in the memory unit 245, and the dedicated BIN information is included in the input card information. It is characterized by checking whether there is.

If it is confirmed that the input card information includes the dedicated BIN information, the mode switching unit 255 is the card payment of the affiliate merchant affiliated with the non-banking affiliate cash system operating mode of the merchant terminal 125 Characterized in that the switch to the affiliate payment mode for providing a service.

On the other hand, if it is not confirmed that the input card information includes the dedicated BIN information, the mode switching unit 255 switches the operation mode of the merchant terminal 125 to the general payment mode for providing the general card payment service. It is characterized by maintaining (or switching).

Referring to FIG. 2, the affiliated store terminal 125 maintains (or switches) the operation mode of the affiliated store terminal 125 to the normal payment mode for providing the general card payment service by the mode switch unit 255. ), A payment approval request including card information input through the card information input unit 250, payment amount information input through the payment amount input unit 260, and merchant number information stored in the memory unit 245. A professional generation unit 265 for generating a full text message, a specialized transmission unit 270 for transmitting the generated payment approval request full text to the bansa server 100 on a communication network through the communication processing unit 225, and the communication processing unit ( Receive a payment approval result text including a payment processing history corresponding to the payment approval request full text from the bansa server 100 on the communication network through 225, and within the payment processing included in the payment approval result full text To further characterized in that the screen through the output unit 210 is display output, or formed by having a specialized processor 275 for printing output by the print output unit 235.

When the operation mode of the affiliated store terminal 125 is maintained (or switched) in the general payment mode for providing the general card payment service by the mode switching unit 255, the professional generation unit 265 may execute the card information. And generating a payment approval request message including payment amount information and affiliate store number information stored in the memory unit 245, and providing the generated payment approval request message to the specialized transmission unit 270.

The specialized transmission unit 270 transmits the payment approval request message generated by the professional generation unit 265 to the bansa server 100 on the communication network through the communication processing unit 225, and correspondingly. The bansa server 100 relays the transmission to the card company server 105 (or the financial company server 115) corresponding to the card information through the payment approval request message, and through the payment means corresponding to the card information. A payment including payment processing details corresponding to any one of payment approval details or payment error details corresponding to the payment processing result from the card company server 105 (or the financial company server 115) from the card company server 105 (or the financial company server 115). When the full text of the approval result is received, the full text of the payment approval result is transmitted to the affiliated store terminal 125 through the communication network.

After the payment approval request message is transmitted to the bansa server 100 on the communication network through the professional transmission unit 270, the professional processing unit 275 is from the bansa server 100 through the communication processing unit 225. Periodically (or in response to a message receiving event of the communication processing unit 225), a payment approval result message including a payment processing history corresponding to the payment approval request message is received.

If the payment approval result text including the payment processing details corresponding to the payment approval request text is received through the communication processing unit 225, the text processing unit 275 may include the payment processing details included in the payment approval result text ( For example, the payment approval details or payment error details) may be output through the screen output unit 210 and printed out through the print output unit 235.

Referring to FIG. 2, the affiliated store terminal 125 provides a card payment service of an affiliated affiliate store in which an operation mode of the affiliated store terminal 125 interworks with the non-financial affiliate cache system by the mode switching unit 255. When switching to the affiliated payment mode, the card information input through the card information input unit 250, the payment amount information input through the payment amount input unit 260, and the affiliate store number stored in the memory unit 245. Full text generation unit 265 for generating a payment approval request full text including information and partner code information, and a full text for transmitting the generated payment approval request full text to the Bansa server 100 on the communication network through the communication processing unit 225 Payment approval result including a payment processing history corresponding to the full payment approval request from the Bansa server 100 on the communication network through the transmission unit 270 and the communication processing unit 225 It is provided with a professional processing unit 275 for receiving a full text, and outputs the payment processing details included in the full text of the payment approval result through the screen output unit 210 or print out through the print output unit 235. Characterized in that made.

When the operation mode of the affiliated store terminal 125 is maintained (or switched) in the general payment mode for providing the general card payment service by the mode switching unit 255, the professional generation unit 265 may execute the card information. And generating a payment approval request message including payment amount information, affiliate store number information stored in the memory unit 245, and the affiliated party code information, and transmitting the generated payment approval request message in the text message transmission unit 270. To provide.

According to another embodiment of the present invention, when the affiliated store number information is used as the affiliated partner code information, the affiliated partner code information may be omitted, and the present invention is not limited thereto.

The specialized transmission unit 270 transmits the payment approval request message generated by the professional generation unit 265 to the bansa server 100 on the communication network through the communication processing unit 225, and correspondingly. The bansa server 100 is relayed to the non-financial partner cache system by relaying to the relay server 110 to process the card payment of the affiliated merchant affiliated with the non-financial affiliate cache system through the payment approval request message. The payment amount is settled through a cache (or an amount corresponding to a cache deposited in the cache account) deposited in the cache account of the customer name provided, and corresponding to the settlement processing result from the relay server 110. If the full payment approval result including the payment processing history corresponding to any of the payment approval history or payment error history is received, the payment approval And transmits the full text to the affiliated store terminal 125 through the communication network.

After the payment approval request message is transmitted to the bansa server 100 on the communication network through the professional transmission unit 270, the professional processing unit 275 is from the bansa server 100 through the communication processing unit 225. Periodically (or in response to a message receiving event of the communication processing unit 225), a payment approval result message including a payment processing history corresponding to the payment approval request message is received.

If the payment approval result text including the payment processing details corresponding to the payment approval request text is received through the communication processing unit 225, the text processing unit 275 may include the payment processing details included in the payment approval result text ( For example, the payment approval details or payment error details) may be output through the screen output unit 210 and printed out through the print output unit 235.

3 is a diagram illustrating an operation process of an affiliated store terminal 125 for card payment of an affiliated affiliated store that interoperates with a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates an operation process of the affiliated store terminal 125 illustrated in FIG. 2 having a card payment function of an affiliated affiliate that interworks with the non-financial affiliate cache system. Those skilled in the art, various implementation methods (eg, some steps) for the operation process of the merchant terminal 125 for the card payment of the affiliated merchant affiliated with the non-financial affiliate cache system by referring to and / or modifying the Figure 3 May be omitted, or the order of implementation may be changed), but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

For example, although FIG. 3 illustrates that card information is input after confirmation of payment amount input, the operation process of the affiliated store terminal 125 is not limited to the implementation method illustrated in FIG. 3.

Referring to FIG. 3, the merchant terminal 125 confirms whether payment amount information is input (or received) through a key input means (or a barcode reader or an RFID reader) to process offline card payment (300).

If the payment amount information is input (or received) (305), the merchant terminal 125 checks whether the card information is read from the customer card through a card reader (or short-range wireless communication) (310).

If the card information is read (315), the merchant terminal 125 is associated with a real account (or a virtual account having the real account as the parent account) of the customer's name in the card information, and a non-financial affiliate's own cache system. It is checked whether the dedicated BIN information corresponding to the check card associated with the cash account of the customer name included in the 320 is included.

If the dedicated BIN information is not included in the card information (325), the affiliated store terminal 125 generates the full payment approval request message including the card information, payment amount information, and affiliated store number information (330).

On the other hand, if the dedicated BIN information is included in the card information (325), the merchant terminal 125 generates the full text of the payment approval request including one or more of the card information, payment amount information, merchant number information and affiliate code information. (335).

Subsequently, the affiliated store terminal 125 transmits the payment approval request text to the bansa server 100 and the payment approval result text including the payment processing details corresponding to the payment approval request text from the bansa server 100. It is checked whether it is received (340).

If the payment approval result message is received from the bansa server 100 (345), the affiliated store terminal 125 outputs a screen, and prints out the payment processing details included in the payment approval result message (350).

FIG. 4 is a diagram illustrating a configuration of a professional processing system that provides a card payment function of an affiliate affiliate store that interoperates with a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, in Figure 4, when the merchant approval request message is generated and transmitted from the merchant terminal 125 shown in Figure 2, the card information included in the payment approval request message is a real account of the customer name opened in the financial institution ( Or a check card associated with a cash account associated with the customer's name provided in a non-financial partner's own cache system, and a card corresponding to the card information. Is a credit card or a check card associated only with a real account in the customer's name established in the financial institution, the payment processing through the check card is processed to be settled according to a conventional method, and the card corresponding to the card information. Is linked to a real account (or a virtual account with the parent account as the parent account) in the name of a customer opened in the financial sector, and If the check card associated with the cash account of the customer name provided in the system is confirmed, the payment process through the check card is transferred to the cash account of the customer name provided in the own cash system of the non-financial affiliate associated with the check card. A professional processing system comprising a bansa server 100 having a professional processing function for payment processing through a deposited cache (or an amount corresponding to the cache deposited in the cache account), the present invention Those skilled in the art will be able to infer various implementation methods for the configuration of a professional processing system that provides a card payment function of an affiliated merchant that works with the non-financial affiliate cache system by referring to and / or modifying the drawing 4. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is illustrated in FIG. The technical features are not limited only by the method.

Referring to FIG. 4, a professional processing system for providing a card payment function of an affiliate affiliate store that interworks with the non-financial affiliate cache system includes a card from the affiliate store terminal 125 shown in FIG. 2 and the affiliate store terminal 125. Receive a payment approval request text including one or more information, payment amount information, merchant number information, and partner code information, and the actual account (or the actual account) of the customer's name in which the card information included in the payment approval request message is opened in the financial institution. And a check card associated with the cash account of the customer's name provided in a non-financial partner's own cache system, and if the card corresponding to the card information is a credit card If it is information or if it is confirmed with a check card associated only with a real account in the name of the customer opened in the financial institution, The processing is performed to be settled according to a conventional method, wherein a card corresponding to the card information is associated with a real account (or a virtual account having the real account as the parent account) in the name of a customer opened in a financial institution, and has a non-financial partner's own cache. If it is confirmed that the check card associated with the cash account of the customer name provided in the system, the payment processing through the check card is transferred to the cash account of the customer name provided in the own cash system of the non-financial affiliate associated with the check card. And a bansa server 100 having a professional processing function to process payment through a deposited cache (or an amount corresponding to a cache deposited in the cache account), and in the bansa server 100 The card corresponding to the card information is credit card information, or a check card linked only to a real account in the name of the customer opened in the financial institution. Once identified, characterized by comprising the further card company server 105 to process the authorization card billing for the credit card, or check card.

In addition, in the professional processing system that provides the card payment function of the affiliated merchants linked to the non-financial affiliate cash system, the card corresponding to the card information included in the full payment approval request in the Bansa server 100 is opened in the financial sector The bansa server when it is associated with a real account (or a virtual account having the real account as the parent account) of the customer's name and associated with a check card associated with the cash account of the customer's name provided in the non-financial partner's own cache system. Receive payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from (100), and the affiliate store corresponding to the affiliate code information cache account associated with the card information After confirming that the payment is approved through the merchant, if the merchant is confirmed as the payment approval target through the cash account, Payment approval request information including one or more card information, payment amount information, merchant number information, and affiliate code is transmitted to the non-financial partner's own cache system to approve payment through an amount corresponding to the cache deposited in the cache account. It is characterized in that it comprises a relay server 110 for processing.

In FIG. 4, the bansa server 100 is illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 100 in the present invention, and the intention and professional processing of those skilled in the art. According to the system implementation method, the bansa server 100 will be apparent that it may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The affiliated store terminal 125 may include at least one CAT (Credit Authorization Terminal) provided at the affiliated store, or at least one point of sales (POS) terminal having a payment function.

According to an embodiment of the present invention, the affiliated store terminal 125 includes at least one card reader for card payment processing, reads card information from the customer card through the card reader, and uses a key input device. After inputting the payment amount information, generating the payment approval request text including the card information, payment amount information, merchant number information, and partner code information (optional) to transmit to the bansa server 100 through a communication network It features.

The bansa server 100 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) connection and a communication channel with an affiliated store terminal 125 provided at the affiliated store through a public communication network including at least one or more IEEE 802.1xx based wireless network, x.25 based communication network, encryption / Relays a payment related message between the affiliated store terminal 125 and the card company server 105 by connecting a communication channel with a card company server 105 corresponding to the card information through a dedicated communication network including at least one decryption-based communication network. Characterized in that the transmission.

According to the present invention, the bansa server 100 is a transmission control protocol / Internet Protocol (TCP / IP) based communication network or a dedicated communication network for card payment processing of affiliated affiliates interworking with a non-financial affiliate cache system. A real account (or a customer's name) connected to the relay server 110 through a communication network and having a card corresponding to the card information included in the payment approval request message received from the affiliated store terminal 125 opened in a financial institution. And a check card associated with a cash account of the customer's name provided in a non-financial partner's own cache system, the card information, payment amount information, and merchant number information. And relaying the payment approval request information transmitted to the relay server 110 including one or more affiliate code information. All.

In accordance with an embodiment of the present invention, if the merchant terminal 125 generates and transmits a payment approval request message with the encryption key of the bansa, the bansa server 100 receives the payment approval request message encrypted with the encryption key of the bansa, It is preferable to decrypt the received payment approval request text with a Bansa decryption key.

When the payment approval request message is received from the affiliated store terminal 125, the bansa server 100 stores the real account (or the real account) of the customer's name in which the card information included in the payment approval request message is opened in the financial sector. And a check card associated with the cash account of the customer's name, which is associated with the non-financial partner's own cache system.

If the card corresponding to the card information included in the full payment approval request is confirmed as a credit card information or a check card associated only with a real account of the customer's name opened in the bank, the bansa server 100 is Read the Bank Identification Number (BIN) included in the card information to confirm the card company server 105 (or the financial company server 115) to be relayed and sent to the card company server 105. Characterized in that the transmission of the payment approval request relay.

On the other hand, a card corresponding to the card information included in the payment approval request text is linked to a real account (or a virtual account having the real account as the parent account) opened in a financial institution, and is connected to a non-financial partner's own cache system. When it is confirmed that the check card is associated with the provided cash account of the customer, the Bansa server 100 transmits the payment approval request information including one or more of the card information, the payment amount information, the affiliated store number information, and the partner code information. It characterized in that the relay transmission to the relay server (110).

The card company server 105 issues a card corresponding to the card information included in the payment approval request text, and transmits the card to the card based on the card information included in the payment approval request text received from the bansa server 100. It is characterized in that the payment is approved for approval, and payment processing for the payment amount through the payment approval limit amount.

In accordance with an embodiment of the present invention, the bansa server 100 includes the payment approval request message (or the card information, payment amount information, and merchant number information according to the protocol between the bansa server 100 and the card company server 105). Generated payment approval request information) is encrypted by the card company's encryption key and transmitted, the card company server 105 receives and decrypts the payment approval request text encrypted with the card company's encryption key from the bansa server 100 to perform the payment. It is preferable to check the card information, payment amount information and merchant number information included in the full authorization request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 105 determines a payment approval limit amount (eg, a credit limit amount) for the card and a cumulative payment approval amount approved for a certain period of time. And confirming, summing the confirmed cumulative payment approval amount and the payment amount, and comparing the summed amount with the confirmed payment approval limit amount, when the payment approval limit amount is larger than the summed amount, It is desirable to approve the payment.

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

According to the present invention, the bansa server 100 stores the BIN information corresponding to each card issued by the card company and the card company server 105 corresponding to the BIN information, and stores the BIN information corresponding to the BIN information. Dedicated BIN information corresponding to a check card associated with a real account (or a virtual account having the real account as a parent account) and associated with a cash account of the customer's name provided in a non-financial partner's own cache system. Payment processing through the cache (or the amount corresponding to the cache deposited in the cache account) in the cash account of the customer name provided in the non-financial affiliate's own cache system associated with the check card Preferably, the BIN information D / B 445 for storing the relay server 110 information in association with each other is provided.

According to another exemplary embodiment of the present invention, the BIN information D / B 445 may include dedicated BIN information corresponding to a check card associated with a cache account of the customer's name provided in a non-financial partner's own cache system. It is possible to store the cache account operating server 120 information on the non-financial partner's own cache system associated with the check card through the payment process, in which case the bansa server 100 is the card information and payment amount information And payment approval request information including one or more merchant number information and affiliate code information can be relayed directly to the cache account management server (120).

Referring to FIG. 4, the bansa server 100 includes an interface unit 400 for connecting and managing a communication channel with an affiliated store terminal 125 provided at the affiliated store through a communication network (for example, a public communication network), and the interface. Read the BIN information of the card receiving unit 405 (or a professional receiving means) for receiving a payment approval request full text through the communication channel in association with the unit 400, and the card information included in the full text of the payment approval request; A card corresponding to the card information is associated with a real account (or a virtual account having the real account as the parent account) opened in a financial institution, and linked with a cash account of the customer name provided in a non-financial partner's own cache system. A card information confirmation unit 415 (or information confirmation means) for confirming whether the card corresponds to the checked check card, and the card corresponding to the card information is a credit card or the financial institution. If it is confirmed as a check card associated only with a real account of the established customer's name, check the card company server 105 information to be relayed through the payment approval request text in conjunction with the BIN information D / B 445, and the card is a financial institution. If a check card associated with a real account (or a virtual account having the real account as a parent account) opened in the customer's name and associated with the cash account of the customer's name provided in a non-financial partner's own cache system, Server checking unit for checking the relay server 110 information for relaying the payment approval request information including one or more of the card information, payment amount information, merchant number information and affiliate code information in association with the BIN information D / B (445) 420 (or information confirming means) and the card company server 105 information is confirmed by the server checking unit 420, relaying the full text of the payment approval request to the confirmed card company server 105. When the server 110 checks the relay server 110 information, the server 110 includes one or more card information, payment amount information, merchant number information, and affiliate code information. Payment including a relay transmission unit 435 (or relay transmission means) for relaying payment approval request information and payment processing details corresponding to the full payment approval request from the card company server 105 or the relay server 110. Relay receiving unit 440 (or relay receiving unit) for receiving the full approval result (or payment approval result information) and the payment approval result full text including the payment processing details through the communication channel in connection with the interface unit 400 It characterized in that it comprises a specialized transmission unit 410 (or professional transmission means) for transmitting to the merchant terminal 125.

In addition, the bansa server 100 checks whether the partner code information valid for the payment approval request message received through the specialized receiving unit 405 is included for the card payment processing of the affiliated merchant linked to the non-financial affiliate cash system. It is characterized in that it further comprises a partnership payment confirmation unit 425 (or partnership payment confirmation means).

In addition, the bansa server 100, the non-financial bill information payment amount information included in the full payment approval request message received through the specialized receiving unit 405 for the card payment processing of the affiliated merchants linked to the non-financial affiliate cash system. It is characterized in that it further comprises a currency exchange processing unit 430 (or currency exchange processing means) that exchanges by the cache unit of the partner's own cache system.

The interface unit 400 transmits and receives payment-related professional transmission / reception with the affiliated store terminal 125 provided at the affiliated store through a communication protocol corresponding to a communication network connecting the bansa server 100 and the affiliated store terminal 125 provided at the affiliated store. It is characterized in that for connecting the communication channel for, and maintaining and managing the communication channel until the specialized transmission and reception is completed.

After reading the card information from the card through the card reader in the affiliated store terminal 125 to which the communication channel is connected, and inputting the payment amount information through the key input device, the card information, the payment amount information, the affiliated store number information, and the partner When a payment approval request message including one or more code information (optional) is generated and transmitted through a communication network, the expert receiving unit 405 is connected to the interface unit 400 to approve the payment from the affiliated store terminal 125. Receiving the full request.

If the payment approval request message is encrypted and transmitted from the affiliated store terminal 125 through the bansa encryption key, the text receiving unit 405 preferably decrypts the encrypted payment approval request message.

When the payment approval request text is received, the card information verification unit 415 extracts (or confirms) BIN information from the card information included in the payment approval request text and associates with the BIN information D / B 445. Characterized in that whether the extracted (or confirmed) BIN information is processed in association with the card company server 105 information, or in conjunction with the relay server 110 information.

If the extracted (or confirmed) BIN information is processed in connection with the relay server 110 information, the card information checking unit 415 checks the real account (in the name of the customer whose card corresponding to the card information is opened in the financial sector). Or a virtual account having the real account as a parent account) and corresponding to a check card associated with the cash account of the customer's name provided in the non-financial partner's own cache system.

On the other hand, when the extracted (or confirmed) BIN information is processed in association with the card company server 105 information, the card information verification unit 415 is a card corresponding to the card information or is established in the financial sector It is characterized in that the check card associated with only the real account in the name of the customer.

The card is connected to a real account (or a virtual account having the real account as a parent account) in the name of the customer opened by the card by the card information verification unit 415, and the customer is provided in a non-financial partner's own cache system. When it is confirmed that the check card associated with the name of the cash account, the affiliated payment confirmation unit 425 preferably checks that the valid partner code information is included in the full payment approval request received through the professional receiving unit 405, When the payment authorization request message contains valid partner code information, the payment amount is cached in a cache account of the customer's name included in the non-financial partner's own cache system (or a cache deposited in the cache account). It is preferable to be paid through the amount corresponding to).

The card information confirming unit 415 associates a card corresponding to the card information with a real account (or a virtual account having the real account as a parent account) in the name of a customer opened in a financial institution, and has a non-financial partner's own cache system. When it is confirmed that the check card associated with the cache account of the customer name provided in the, the server identification unit 420 relays the server 110 stored in association with the dedicated BIN information from the BIN information D / B (445) It is characterized by checking the information.

According to another exemplary embodiment of the present invention, the BIN information D / B 445 includes a cache account operating server on its own cache system of a non-financial partner affiliated with the check card for payment processing through the dedicated BIN information and the check card ( If the information is stored in association, the server identification unit 420 directly checks the cache account operating server 120 information associated with the dedicated BIN information from the BIN information D / B 445.

Alternatively, when the card corresponding to the card information is confirmed by the card information checking unit 415 as a credit card or a check card associated only with a real account of a customer's name opened in the financial institution, the server checking unit ( 420 may check the card company server 105 information in association with the BIN information D / B 445 and the card company server 105 information stored in association with the BIN information.

The card is connected to a real account (or a virtual account having the real account as a parent account) of the customer name opened by the card by the card information checking unit 415, and the customer is provided in a non-financial partner's own cache system. It is confirmed by a check card associated with the name of the cash account, or by the affiliated payment confirmation unit 425 confirms that the partner code information valid for the full payment approval request is included, or the server verification unit 420 When the relay server 110 information (or cache account operation server 120 information) is confirmed, the currency exchange processing unit 430 may determine the payment amount included in the payment approval request text of the non-financial partner's own cache system. It is preferable to exchange money in cache units.

If the relay server 110 or the non-financial partner's own cache system exchanges the settlement amount (or the settlement amount deducting the amount corresponding to the value information) in the cash unit, the exchange unit 430 The currency exchange processing unit 430 for converting the payment amount into the cache unit or processing the payment amount through an amount corresponding to the cache deposited in the cache account in the non-financial partner's own cache system; It is possible to omit it, thereby not limiting the present invention.

When the relay server 110 information (or cache account operating server 120 information) is confirmed by the server verification unit 420, the relay transmission unit 435 is the bansa server 100 and the relay server ( 110) or the payment approval request information including one or more of the card information, payment amount information, merchant number information, and affiliate code information through a communication channel connected between the cache account operation server 120 (not shown). It is characterized in that the relay transmission to the server 110 (or cache account operating server 120).

Subsequently, the relay server 110 (or the cache account operating server 120) performs the payment processing through the check card in the cache account of the customer name provided in the non-financial affiliate's own cache system associated with the check card. Processing payment to be made through a deposited cache (or an amount corresponding to the cache deposited in the cache account), and transmitting payment approval result information including payment processing details corresponding to the payment approval request information through the communication channel; The relay receiving unit 440 may receive the payment approval result information from the relay server 110 (or the cache account operating server 120) through the communication channel.

Alternatively, when the card company server 105 information is confirmed by the server verification unit 420, the relay transmission unit 435 through a communication channel connected between the bansa server 100 and the card company server 105 Characterized in that the transmission of the payment approval request relayed to the card company server 105.

Thereafter, the card company server 105 performs a payment approval procedure corresponding to the full text of the payment approval request, and transmits the full text of the payment approval result including the payment processing details corresponding to the full text of the payment approval request through the communication channel. The relay receiving unit 440 may receive the full payment approval result from the card company server 105 through the communication channel.

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

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

When the payment approval result information (or payment approval result full text) is received by the relay receiving unit 440, the professional transmission unit 410 is connected to the interface unit 400 and the payment processing details through the communication channel. Generate (or confirm) the full payment approval result including the transmission to the affiliated store terminal 125, wherein the interface unit 400 is the payment approval result full text to the merchant terminal 125 It is desirable to further perform the process of verifying the transmission.

According to the present invention, the card company server 105 for performing the payment approval procedure for the payment approval request message relayed from the bansa server 100, the customer information issuing the card and the card issued to the customer A card management D / B 490 for linking and storing the card information corresponding to the card information and the card limit information, or interworking with a DBMS operating the card management D / B 490; or It is preferable to link with a DB server (not shown) provided with the card management D / B (490).

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the customer who issued the card, member information (for example, member) of the customer ID information) is preferably included.

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

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

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

According to an embodiment of the present invention, when the card includes a postpaid payment attribute (for example, credit card payment attribute), the card limit information may preferably include credit limit amount information for the card.

According to another exemplary embodiment of the present invention, when the card includes a debit payment attribute (eg, a debit card payment attribute or a debit card payment attribute), the card limit information includes account information associated with the card. It is preferable.

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

According to the present invention, the card company server 105 has a payment history D / B 495 for storing the payment history information approved for payment through the card, or the payment history D / B It is preferable to interwork with a DBMS operating 495 or a DB server (not shown) provided with the transaction history card management D / B 490.

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

The card information is information that matches card information provided in the card management D / B 490, and preferably includes a card number. The card information includes the card management D / B 490 through the card information. The payment history D / B 495 is preferably linked in a relational manner.

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

The payment approval amount is preferably made of the card company server 105 includes payment information of the amount approved through the card, the settlement amount information to be settled to the merchant among the approved amount of payment in accordance with the intention of the skilled person It is preferred to further comprise a.

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

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

Referring to FIG. 4, the card company server 105 is connected to the communication unit 450 and a communication unit 450 for connecting and managing a communication channel with the bansa server 100 through a communication network (for example, a dedicated communication network). Receiving unit 455 for receiving the full payment approval request message from the bansa server 100 and the card information included in the received payment approval request full text card information stored in the card management D / B (490) and When the card information is matched with the card information comparison unit 465 and the card information is matched, the payment approval limit amount corresponding to the card information is checked and included in the full payment approval request through the confirmed payment approval limit amount. A payment approval processing unit 470 for approving the payment for the received payment amount, a history generation unit 475 for generating a payment processing history including the payment approval result, and a payment approval result including the payment processing history A generation unit 480 for generating a full message, and a transmission unit 460 for transmitting the generated payment approval result full text to the bansa server 100 through the communication channel in association with the communication unit 450. When the payment is approved by the payment approval processing unit 470, the information storage unit 485 for storing the payment history information included in the payment processing history in the payment history D / B (495) It is characterized by further comprising.

The communication unit 450 connects a communication channel for transmitting / receiving a full payment (or information) related to payment with the bansa server 100 through a communication protocol corresponding to the communication network connecting the card company server 105 and the bansa server 100. Characterized in that.

When the bansa server 100 transmits the full payment approval request message through the communication channel, the receiving unit 455 includes at least one card information, payment amount information, and affiliated store number information in association with the communication unit 450. Characterized in that to receive the full payment approval request.

If the payment approval request message is encrypted and transmitted from the bansa server 100 through the encryption key of the card company server 105, the receiving unit 455 preferably decrypts the encrypted payment approval request message. .

When the payment approval request message is received, the card information comparison unit 465 checks the card information included in the payment approval request message and is stored in the card management D / B 490 through the confirmed card information. By querying the card information, it is checked whether the card corresponding to the card information matches the credit card or the check card stored in the card management D / B (490).

In addition, the card information comparison unit 465 is a card that the card is reported as lost in the process of confirming the card information, or a card that satisfies an unusable condition (eg, bad credit, overdue, etc.), or the expiration date has elapsed. It is preferable that the process further comprises the step of checking whether the card.

When the validity of the card information included in the full payment approval request is confirmed by the card information comparison unit 465, the payment approval processing unit 470 is associated with the card information to the card management D / B (490) By confirming the payment approval limit amount corresponding to the provided card limit information, characterized in that the payment processing for the payment amount included in the full payment approval request on the basis of the confirmed payment approval limit amount.

According to the method of the present invention, the payment approval processing unit 470 first checks the payment attribute (eg, postpaid) corresponding to the card information in association with the card management D / B 490 in order to confirm the payment approval limit amount. Mold, debit, prepaid, etc.) is preferable.

According to an exemplary embodiment of the present invention, when the card includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 470 stores the credit limit amount information included in the card limit information. It is advisable to check the payment authorization limit for.

According to another exemplary embodiment of the present invention, when the card includes a debit payment attribute (eg, a debit card payment attribute or a debit card payment attribute), the payment approval processing unit 470 may link the card limit information. It is preferable to confirm the account information, and check the balance information of the linked account in connection with the financial institution server 115 (not shown) as the payment authorization limit amount for the card.

According to another exemplary embodiment of the present invention, when the card includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 470 reads the charge amount information included in the card limit information. It is desirable to confirm with the payment authorization limit amount on the card.

When the payment approval limit amount is confirmed for the card, the payment approval processing unit 470 may perform a payment approval or payment for each payment attribute on the payment amount included in the full payment approval request based on the confirmed payment approval limit amount. It is characterized by checking whether there is an error.

According to an exemplary embodiment of the present invention, when the card includes a postpaid payment attribute (eg, credit card payment attribute), the payment approval processing unit 470 may be connected with the payment history D / B 495 for a predetermined period of time. While confirming the cumulative payment approval amount approved through the card, summing the confirmed cumulative payment authorization amount and the payment amount, and the summed amount and the confirmed payment authorization limit amount (eg, credit limit amount) It is preferable to check whether the payment approval or payment error for the payment amount by comparing with.

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the payment approval processing unit 470 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the card includes a debit payment attribute (eg, a debit card payment attribute or a debit card payment attribute), the payment approval processing unit 470 may execute the payment approval limit amount (eg, It is preferable to check the payment authorization or payment error for the payment amount by comparing the balance of the linked account) and the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the payment approval processing unit 470 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the payment approval processing unit 470 may include the payment approval limit amount (for example, a charged amount) and the like. It is preferable to check the payment authorization or payment error for the payment amount by comparing the payment amount.

For example, when the payment approval limit amount (eg, the charge amount) is larger than the payment amount, the payment approval processing unit 470 may approve the payment.

When the payment approval process for the payment amount is completed by the payment approval processing unit 470, the details generating unit 475 includes a payment processing result including the payment approval result approved by the payment approval processing unit 470. Characterized by generating a history.

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

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

When the payment processing details are generated, the generation unit 480 generates a payment approval result full text (or payment approval result information) including the payment processing details, and the transmission unit 460 is the communication unit. In connection with 450, the generated payment approval result full text (or payment approval result information) may be transmitted to the bansa server 100 through the communication channel.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 470, the information storage unit 485 and the card information included in the payment processing history generated by the history generation unit 475 The payment history D / B 495 stores payment history information including at least one payment approval date, payment approval amount, merchant number information, and payment approval information.

5 is a diagram illustrating a professional processing process for card payment through a non-financial partner cash system according to an embodiment of the present invention.

In more detail, in FIG. 5, when the merchant terminal 125 shown in FIG. 2 generates and transmits a payment approval request message through the process shown in FIG. 3, the Bansa server 100 shown in FIG. The card information included in the payment approval request text is linked to a real account (or a virtual account having the real account as a parent account) of a customer name opened in a financial institution, and the card information included in a non-financial partner's own cache system. If the card corresponding to the card information is a credit card or a check card associated only with a real account in the name of the customer opened in the financial institution, the payment approval request is made. The full text is relayed to the card company server 105, and the real account (or the real account is used as the parent account) in the name of the customer whose card corresponding to the card information is opened in the financial sector. One or more of the card information, payment amount information, merchant number information, and affiliate code information if the check card associated with the cash account of the customer's name provided in the non-financial partner's own cash system It is a process for generating the payment approval request information, including the transmission to the relay server 110, and transmits the information, if the person having ordinary skill in the art to which the present invention belongs, Various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred for the professional processing for card payment through the non-financial partner cash system, but the present invention may infer all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 5, in the specialized process, a card corresponding to the card information is associated with a real account (or a virtual account having the real account as the parent account) of a customer name opened in a financial institution, and a non-financial partner's own cache is provided. If the check card associated with the cash account of the customer provided in the system is confirmed, including the process of converting the payment amount contained in the full payment approval request in the cache unit of the non-financial partner's own cache system, It is apparent that the exchange process may be omitted or may be performed in the relay server 110 in addition to the bansa server 100, or in a non-financial partner's own cache system.

In addition, Figure 5 is described by further performing the process of confirming that the partner code information valid in the payment approval request full text in the specialized processing process, but by this the invention is not limited, It is apparent that the process of verifying affiliate code information may be omitted according to the intention of the skilled person.

Referring to FIG. 5, if the merchant terminal 125 shown in FIG. 2 generates the full payment approval request message through the process shown in FIG. 3 and transmits the full payment approval request to the bansa server 100 (500), correspondingly The bansa server 100 receives the full payment approval request message transmitted from the affiliated store terminal 125 through the communication channel (505).

The payment approval request text may include card information read from a card, payment amount information, and affiliated store number information, and may be deposited in a cache account of the customer name provided in the non-financial partner's own cache system. It is preferable to further comprise the partner code information for processing the payment amount through the cache (or the amount corresponding to the cache deposited in the cache account).

According to an embodiment of the present invention, when the payment approval request text is encrypted and transmitted from the affiliated store terminal 125 through the bansa encryption key, the bansa server 100 decrypts the encrypted payment approval request text. It is desirable to.

Thereafter, the bansa server 100 checks the card information included in the full payment approval request message (510), reads the BIN information of the checked card information, and opens a card corresponding to the card information in a financial institution. Includes dedicated BIN information associated with a check card associated with a real account (or a virtual account with the real account as a parent account) in the name and associated with the cash account in the customer's name provided in a non-financial partner's own cache system; Check if there is (515).

If it is not confirmed that the card information includes the dedicated BIN information (520), the bansa server 100 is linked to the BIN information D / B (445) card company server 105 corresponding to the BIN information Verify the information (525).

If the card company server 105 information corresponding to the BIN information is confirmed (530), the bansa server 100 completes the payment approval request message to the card company server 105 corresponding to the confirmed card company server 105 information Relay transmission (535).

On the other hand, if it is confirmed that the card information includes the dedicated BIN information (520), the bansa server 100 checks whether the valid partner code information is included in the received payment approval request text (540).

Here, the affiliate code information is a cache (or the deposit) deposited in the cash account of the customer name provided in the own cache system the payment amount (or a portion of the payment amount) through the check card in the own cash system of the non-financial affiliates And a unique code (or number) assigned to identify or confirm that it is an affiliated merchant for payment processing through an amount corresponding to the cache deposited in the cache account.

According to another exemplary embodiment of the present invention, the affiliated party code information may be used as is, the affiliated store number information, and the present invention is not limited thereto.

If it is not confirmed that the payment authorization request message contains valid partner code information (545), the bansa server 100, the bansa server 100 in conjunction with the BIN information D / B (445) the BIN The card company server 105 corresponding to the information is checked (525).

If the card company server 105 information corresponding to the BIN information is confirmed (530), the bansa server 100 completes the payment approval request message to the card company server 105 corresponding to the confirmed card company server 105 information Relay transmission (535).

On the other hand, if it is confirmed that the payment authorization request message contains valid partner code information (545), the bansa server 100 is linked with the BIN information D / B 445 relay server corresponding to the dedicated BIN information ( 110, the information is checked (550).

If the relay server 110 information corresponding to the dedicated BIN information is confirmed (555), the bansa server 100 exchanges the payment amount contained in the full payment approval request in the cache unit of the non-financial bank itself cache system Process 560 to generate payment approval request information including the card information and the payment amount information (e.g., the payment amount information exchanged in the cache unit of the non-financial bank's own cache system), the merchant number information, and the affiliate code; In operation 565, the payment approval request information may be relayed to the relay server 110 corresponding to the checked relay server 110 information.

FIG. 6 is a diagram illustrating a professional processing process for card payment through a non-financial partner cash system according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, when the merchant terminal 125 shown in FIG. 2 generates and transmits a payment approval request message through the process shown in FIG. 3, the Bansa server 100 shown in FIG. The card information included in the payment approval request text is linked to a real account (or a virtual account having the real account as a parent account) of a customer name opened in a financial institution, and the card information included in a non-financial partner's own cache system. If the card corresponding to the card information is a credit card or a check card associated only with a real account in the name of the customer opened in the financial institution, the payment approval request is made. The full text is relayed to the card company server 105, and the real account (or the real account is used as the parent account) in the name of the customer whose card corresponding to the card information is opened in the financial sector. One or more of the card information, payment amount information, merchant number information, and affiliate code information if the check card associated with the cash account of the customer's name provided in the non-financial partner's own cash system It is a process for generating the payment approval request information, including the transmission to the cache account operating server 120 of the non-financial partner's own cache system, if the person having ordinary skill in the art By referring to and / or modifying FIG. 6, various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred from the specialized processing process for card payment through the non-financial partner cash system. As will be appreciated, the invention is comprised of all the practice methods inferred, and shown in FIG. Only the method is not limited that technical feature.

For example, in FIG. 6, in the specialized process, a card corresponding to the card information is associated with a real account (or a virtual account having the real account as the parent account) in the name of a customer opened in a financial institution, and a non-financial partner's own cache. If the check card associated with the cash account of the customer provided in the system is confirmed, including the process of converting the payment amount contained in the full payment approval request in the cache unit of the non-financial partner's own cache system, It is apparent that the exchange process may be omitted or may be performed in the cache account operating server 120 of the non-financial partner's own cache system in addition to the bansa server 100.

In addition, FIG. 6 illustrates that the process of confirming whether the payment approval request text includes valid partner code information is further performed in the specialized processing, but the present invention is not limited thereto. It is apparent that the process of verifying affiliate code information may be omitted according to the intention of the skilled person.

Referring to FIG. 6, when the merchant terminal 125 illustrated in FIG. 2 generates the full payment approval request message through the process shown in FIG. 3 and transmits the full payment approval request to the bansa server 100 (600), The bansa server 100 receives the full text of the payment approval request transmitted from the affiliated store terminal 125 through the communication channel (605).

The payment approval request text may include card information read from a card, payment amount information, and affiliated store number information, and may be deposited in a cache account of the customer name provided in the non-financial partner's own cache system. It is preferable to further comprise the partner code information for processing the payment amount through the cache (or the amount corresponding to the cache deposited in the cache account).

According to an embodiment of the present invention, when the payment approval request text is encrypted and transmitted from the affiliated store terminal 125 through the bansa encryption key, the bansa server 100 decrypts the encrypted payment approval request text. It is desirable to.

Thereafter, the bansa server 100 checks the card information included in the full payment approval request message (610), reads the BIN information of the checked card information, and opens a card corresponding to the card information in a financial institution. Includes dedicated BIN information associated with a check card associated with a real account (or a virtual account with the real account as a parent account) in the name and associated with the cash account in the customer's name provided in a non-financial partner's own cache system; Check if there is (615).

If it is not confirmed that the dedicated BIN information is included in the card information (620), the bansa server 100 is linked to the BIN information D / B (445) card company server 105 corresponding to the BIN information Verify the information (625).

If the card company server 105 information corresponding to the BIN information is confirmed (630), the bansa server 100 completes the payment approval request message to the card company server 105 corresponding to the confirmed card company server 105 information Relay transmission (635).

On the other hand, if it is confirmed that the dedicated BIN information is included in the card information (620), the bansa server 100 checks whether the valid partner code information is included in the received payment approval request text (640).

Here, the affiliate code information is a cache (or the deposit) deposited in the cash account of the customer name provided in the own cache system the payment amount (or a portion of the payment amount) through the check card in the own cash system of the non-financial affiliates And a unique code (or number) assigned to identify or confirm that it is an affiliated merchant for payment processing through an amount corresponding to the cache deposited in the cache account.

According to another exemplary embodiment of the present invention, the affiliated party code information may be used as the affiliate store number information as it is, and thus the present invention is not limited thereto.

If it is not confirmed that the payment authorization request message contains valid partner code information (645), the bansa server 100, the bansa server 100 in conjunction with the BIN information D / B (445) the BIN The card company server 105 corresponding to the information is checked (625).

If the card company server 105 information corresponding to the BIN information is confirmed (630), the bansa server 100 completes the payment approval request message to the card company server 105 corresponding to the confirmed card company server 105 information Relay transmission (635).

On the other hand, if it is confirmed that the payment authorization request message includes valid partner code information (645), the bansa server 100 in association with the BIN information D / B 445, the non-financial sector corresponding to the dedicated BIN information Check the cash account operating server 120 information on the affiliate's own cache system (650).

If the cache account management server 120 information corresponding to the dedicated BIN information is confirmed (655), the bansa server 100 caches the payment amount contained in the full payment approval request cache unit of the non-financial self-cache system And the payment approval request information including the card information and the payment amount information (e.g., the payment amount information exchanged in the cache unit of the non-financial bank's own cache system), the merchant number information, and the affiliate code information. In operation 670, the payment approval request information may be relayed to the cache account operation server 120 on the non-financial partner's own cache system corresponding to the identified cache account operation server 120 information (670).

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

In more detail, in FIG. 7, when the payment approval request message is received from the bansa server 100 shown in FIG. 4 through the specialized process shown in FIG. Regarding the process of approving the card payment requested through the full approval request, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 7 for the card payment approval process Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 7, when the bansa server 100 shown in FIG. 4 transmits the full text of the payment approval request through the specialized processing shown in FIG. 5 or 6, the card company server 105 transmits the bansa. The payment approval request message is received from the server 100 (700).

According to the embodiment of the present invention, when the payment approval request is encrypted and transmitted from the bansa server 100 through the encryption key of the card company, the card company server 105 decrypts the encrypted payment approval request message. It is preferable.

Thereafter, the card company server 105 checks the card information, payment amount information, and merchant number information included in the full payment approval request message (705), and the payment approval request in connection with the card management D / B (490). In operation 710, card information matching card information included in the full text exists.

According to the method of the present invention, the card company server 105 is a card whose card is reported as lost in the card information verification process, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), or It is preferable to further include a step of checking whether the expiration date has passed.

If the card information matching card information included in the payment approval request message is not confirmed from the card management D / B 490 (715), the card company server 105 includes payment error information. The payment approval result is generated and transmitted to the bansa server 100 to the full (720), in response to the bansa server 100 payment approval including the payment error information through a communication channel connected to the merchant terminal 125 The full text of the result is transmitted to the affiliated store terminal 125 and output.

On the other hand, if the card information matching the card information included in the payment approval request message is confirmed from the card management D / B (490) (715), the card company server 105 is the card management D / B ( In operation 730, the payment approval limit amount for each payment attribute corresponding to the card limit information provided in association with the card information is checked (730).

According to an exemplary embodiment of the present invention, when the card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 105 stores the credit limit amount information included in the card limit information on the card. It is advisable to check with the payment authorization limit.

According to another exemplary embodiment of the present invention, when the card includes a debit payment attribute (for example, a check card payment attribute or a debit card payment attribute), the card company server 105 may link the account included in the card limit information. It is preferable to check the information and check the balance information of the linked account in connection with the financial institution server 115 (not shown) as the payment authorization limit amount for the card.

According to another exemplary embodiment of the present invention, when the card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 105 stores the charge amount information included in the card limit information. It is desirable to confirm with the payment authorization limit amount on the card.

If the payment approval limit amount for each payment attribute of the card is confirmed (735), the card company server 105 for each payment attribute for the payment amount included in the full payment approval request based on the confirmed payment approval limit amount. Process payment approval (740).

According to an exemplary embodiment of the present invention, when the card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 105 is connected to the payment history D / B 495 for a predetermined period of time. Confirm the cumulative payment approval amount approved through the card, add the confirmed cumulative payment approval amount and the payment amount, and add the summed amount and the confirmed payment approval limit amount (eg, credit limit amount) In comparison, it is preferable to confirm payment approval or payment error for the payment amount.

For example, when the payment authorization limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card company server 105 preferably processes the payment.

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

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 105 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 105 may set the payment approval limit amount (for example, the recharge amount) and the It is preferable to check payment approval or payment error for the payment amount by comparing the payment amount.

For example, when the payment approval limit amount (eg, the charge amount) is larger than the payment amount, the card company server 105 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (745), the card company server 105 generates a full payment approval result including payment error information and transmits it to the bansa server 100 ( 720, in response, the bansa server 100 transmits and outputs the full payment approval result including the payment error information to the affiliated store terminal 125 through a communication channel connected to the affiliated store terminal 125 (725). .

On the other hand, if the payment approval for each payment attribute is confirmed as the payment approval processing result (745), the card company server 105 generates a payment processing history including the payment approval result (750).

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

Subsequently, the card company server 105 generates a full payment approval result including the payment processing details and transmits it to the bansa server 100 (755). In response, the bansa server 100 is a merchant terminal 125. And transmits the full payment approval result including the payment processing history to the affiliated store terminal 125 through the communication channel connected thereto.

In addition, the card company server 105 generates payment information including at least one or more card information included in the generated payment processing history, payment approval date, payment approval amount, merchant number information and payment approval information (760). In operation 765, the payment history information is stored in the payment history D / B 495.

8 is a diagram illustrating a configuration of an affiliate merchant payment processing system interworking with a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates card information and payment amount information included in a payment approval request message including exclusive BIN information or valid partner code information among payment approval request messages transmitted from the affiliated store terminal 125 shown in FIG. And sending the payment approval request message including affiliate store number information and affiliate code information, the relay server 110 through the bansa server 100 shown in FIG. 4 through the card information, payment amount information, affiliate store number information, and affiliated company. After receiving payment approval request information including code information, confirming that an affiliate corresponding to the affiliate code information is a payment approval target through a cache account associated with the card information, the merchant is a payment approval target through the cache account If confirmed as, check the cache account information associated with the card information from the payment management D / B (875), the confirmed cache system Payment approval request information including at least one of left information (or card information), payment amount information, merchant number information, and affiliate code information is transmitted to the non-financial partner's own cache system so that payment can be approved through the cash balance. And, if the merchant is not confirmed as the payment approval target through the cache account, the payment approval request information including the card information, payment amount information and merchant number information is transmitted to the financial company server 115 corresponding to the card information As a system configuration for processing the payment to be approved through the amount deposited in the real account (or the virtual account as the parent account), if the person skilled in the art to which the present invention belongs, Affiliate merchants that interface with the non-financial affiliate cash system by referring to and / or modifying 8 While various implementation methods (eg, some components may be omitted, subdivided, or combined) for the treatment system may be inferred, the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, the affiliated merchant payment processing system interoperating with the non-financial affiliate cache system includes an affiliated store terminal 125 shown in FIG. 2, a bansa server 100 shown in FIG. 4, and the bansa. Receive payment approval request information including card information, payment amount information, affiliate store number information, and affiliate code information from the server 100, and the affiliate store corresponding to the affiliate code information makes payment through a cash account associated with the card information. After confirming whether the payment is authorized, the affiliated store confirms that the payment is approved through the cache account, and checks the cache account information associated with the card information from the payment management D / B 875 and checks the confirmed cache account information ( Or credit card information), payment amount information, merchant number information, and affiliate code information. Payment is transmitted to the cash cache system to process payment approval through the cash balance, and if the merchant is not confirmed as the payment approval target through the cache account, payment approval including the card information, payment amount information, and merchant number information. The request information is transmitted to the financial company server 115 (or the card company server 105) corresponding to the card information so that the payment is approved through the amount deposited in the real account (or a virtual account having the real account as the parent account). It characterized in that it comprises a relay server 110 for processing, the financial company server for processing the payment authorization through the amount deposited in the real account (or virtual account with the real account) associated with the card information ( 115) further comprises.

In addition, the affiliated merchant payment processing system interoperating with the non-financial affiliate cash system, characterized in that the non-financial affiliates own cash system to operate a cache account of the customer name associated with the card information, the relay Receiving the payment approval request information transmitted from the server 110, the payment authorization request information including one or more cache account information (or card information), payment amount information, merchant number information and affiliate code information, and receives the payment approval request information, It is characterized in that it further comprises a cache account operating server 120 for payment approval processing of the payment amount through the balance of the cash account (for example, the cache deposited in the cache account, or the cache account balance) of the customer's name.

In FIG. 8, the relay server 110 is illustrated as one server for convenience, but this is merely an exemplary method for efficiently describing the technical features of the relay server 110 in the present invention, and the intention and professional processing of those skilled in the art. According to the system implementation method, it is apparent that the relay server 110 may be implemented in the form of a system consisting of a plurality of servers for each functional component.

The affiliated store terminal 125 may include at least one CAT (Credit Authorization Terminal) provided at the affiliated store, or at least one point of sales (POS) terminal having a payment function.

According to an embodiment of the present invention, the affiliated store terminal 125 includes at least one card reader for card payment processing, reads card information from the customer card through the card reader, and pays through a key input device. After inputting the amount information, generating the payment approval request message including the card information, payment amount information, merchant number information, and partner code information (optional) and transmits to the bansa server 100 through a communication network It is done.

The bansa server 100 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) connection and a communication channel with an affiliated store terminal 125 provided at the affiliated store through a public communication network including at least one of an IEEE 802.1xx based wireless network, and interworking with a non-financial affiliate cache system. A communication channel is connected to the relay server 110 through any one of a Transmission Control Protocol / Internet Protocol (TCP / IP) based communication network or a dedicated communication network for card payment processing of an affiliated merchant, and the affiliated store terminal 125 Real account (or virtual account using the real account as the parent account) in the name of the customer whose card corresponding to the card information included in the full payment approval request received from If it is confirmed that the check card associated with the cash account of the customer name provided in the affiliate's own cash system of the non-financial partner, the card information, payment amount information, merchant number information and partner code information transmitted including one or more The payment approval request information is characterized in that the relay transmission to the relay server (110).

In accordance with an embodiment of the present invention, if the merchant terminal 125 generates and transmits a payment approval request message with the encryption key of the bansa, the bansa server 100 receives the payment approval request message encrypted with the encryption key of the bansa, It is preferable to decrypt the received payment approval request text with a Bansa decryption key.

When the payment approval request message is received from the affiliated store terminal 125, the bansa server 100 stores the real account (or the real account) of the customer's name in which the card information included in the payment approval request message is opened in the financial sector. And a check card associated with the cash account of the customer's name, which is associated with the non-financial partner's own cache system.

If the card corresponding to the card information included in the payment approval request text is linked to a real account (or a virtual account having the real account as the parent account) opened in the financial institution, the non-financial partner's own cash system When it is confirmed that the check card is associated with the provided cash account of the customer, the Bansa server 100 transmits the payment approval request information including one or more of the card information, the payment amount information, the affiliated store number information, and the partner code information. It characterized in that the relay transmission to the relay server (110).

The financial company server 115 is a server provided to a financial company that operates a real account (or a virtual account having the real account as a parent account) associated with the card information, and the card information and payment amount information from the relay server 110. When payment approval request information including affiliate store number information is received, the real account (or virtual account having the real account as the parent account) associated with the card information is checked and the confirmed real account (or the real account) And comparing the balance of the virtual account of the parent account with the payment amount information to determine whether the payment is approved for the payment amount.

When payment approval for the payment amount is processed, the financial institution server 115 may generate payment processing details (or payment approval result information including payment processing details) and transmit them to the relay server 110. .

If the person having ordinary knowledge in the technical field to which the present invention belongs, the financial company server 115 pays the payment amount through a real account (or a virtual account having the real account as the parent account) associated with the card information. Since you will be familiar with the technical features of the approval process, a more detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the financial institution server 115 (or any one of the financial institution servers 115 provided in different financial institutions) may manage a fund management account that manages a cache account of the non-financial partner's own cache system. It is preferable to open and manage, and the amount approved for payment through the cash account balance is preferably settled to the affiliated store corresponding to the affiliate through the fund management account.

The cache account operating server 120 is provided in the non-financial partner's own cache system to operate a cache account of the customer name associated with the card information, the cache account information (from the relay server 110) Or credit card information), payment amount information, affiliated store number information, and affiliated code information, when payment approval request information is received, the cache of the customer name corresponding to the cache account information included in the received payment approval request information is received. The payment balance (or partial payment authorization) for the payment amount may be processed by comparing the remaining balance of the account with the payment amount (or the payment amount exchanged in cache units).

Upon the payment approval (or partial payment approval), the cache account operation server 120 subtracts the payment approved amount (or cache) from the cache deposited in the cache account of the customer's name, and subtracts the payment approved amount. Characterized in that the payment approval result information including the payment processing history, including, characterized in that for transmitting to the relay server (110).

According to the present invention, the relay server 110 is connected to the card information associated with the real account (or virtual account having the real account as the parent account) of the customer's name and the customer's name provided in the non-financial partner's own cache system And a payment management D / B 875 for storing cache account information and one or more affiliate code information in association with each other, or interworking through a communication network, wherein the card information, the cache account information, and the affiliate code information are stored. It can be omitted if it is confirmed in real time through the non-financial partner's own cache system.

According to the exemplary embodiment of the present invention, the cache account information may further include the cache account balance information, wherein the cache account balance information is the cache account operating server 120 of the non-financial partner's own cache system; In conjunction with the non-financial partner's own cache system is preferably synchronized.

According to the present invention, the relay server 110 through the customer information (or card information, or cache account information of the customer name) and the non-financial partner's own cache system, the customer (or card information, or cache account) Value information (D) stored in association with the value information (for example, discount coupon information, point information, prize information) provided to the user, and value provider information that provides the value information to the customer (or card information or cash account). / B (880) or via a communication network, characterized in that the customer information (or card information, or the cash account information of the customer name), the value provider information and value information of the non-financial affiliates It can be omitted if it is checked in real time through its own cache system.

According to the method of the present invention, the value information is preferably synchronized with the non-financial partner's own cache system in connection with the cache account operating server 120 of the non-financial partner's own cache system.

Referring to FIG. 8, the relay server 110 may include an interface unit 800 for connecting and managing a communication channel with the bansa server 100 through a communication network, and the communication channel in connection with the interface unit 800. The information receiving unit 805 (or information receiving means) for receiving payment approval request information through the affiliated with the partner code information included in the payment approval request information in connection with the payment management D / B 875 The information checking unit 815 (or information checking means) for checking whether the payment is approved through the cache account associated with the card information, and if the affiliate is confirmed as the payment approval through the cache account, the payment management D / Check the cache account information associated with the card information from B (875), and includes at least one of the identified cache account information (or card information), payment amount information, merchant number information and affiliate code information; The approval request information is transmitted to the non-financial partner's own cache system so that the payment is approved through the balance of the cash account, and the card information and the payment amount information are not confirmed when the affiliate is not confirmed as the payment approval through the cache account. And payment approval request information including affiliate store number information to the financial company server 115 corresponding to the card information so as to be approved for payment through an amount deposited in the real account (or a virtual account having the real account as a parent account). And a relay transmission unit 845 (or a relay transmission unit) for processing, wherein the information confirmation unit 815 includes the name of the customer provided in the non-financial partner's own cache system. Further confirming whether it is associated with the cache account information, or reading the BIN information of the card information. Than it is preferable that the card information is further carried out to ensure that the association with the cached account information includes the customer's name in its own cache system of the non-financial affiliates.

According to the present invention, when the relay server 110 further stores and stores a cache account balance in the payment management D / B 875, when the affiliated store is confirmed as a payment approval target through the cache account, the payment is made. Checking the cache account information associated with the card information from the management D / B (875), and the payment approval to process the payment authorization through the cash account balance by comparing the cash balance and the payment amount information for the cache account The processing unit 855 (or payment approval processing means) and the synchronization processing unit 870 (or the synchronization processing unit 870 for synchronizing the cache account balance of the payment management D / B 875 and the cache account balance of the non-financial affiliate's own cache system) (or Synchronization processing means).

In addition, the relay server 110, the value provided to the customer (or card information, or cache account) through the non-financial partner's own cache system, if the affiliate is confirmed as the payment approval target through the cache account A value checking unit 820 (or value checking means) that checks the value information available through the affiliated partner, and when the value information is confirmed, the amount corresponding to the confirmed value information is subtracted from the payment amount. A value applying unit 825 (or value applying means) is further provided.

In addition, the relay server 110, if the merchant is confirmed as the payment approval target through the cache account,

It is characterized in that it further comprises a currency exchange processing unit 830 (or currency exchange processing means) for converting the payment amount in the cache unit of the non-financial partner's own cache system.

The interface unit 800 connects a communication channel for transmitting and receiving payment related information with the bansa server 100 through a communication protocol corresponding to the communication network connecting the relay server 110 and the bansa server 100, Maintaining and managing the communication channel until the transmission and reception of the information is completed.

When the Bansa server 100 to which the communication channel is connected generates payment approval request information including card information, payment amount information, affiliated store number information, and affiliate code information, and transmits it through a communication network, the information receiving unit 805 interfaces with the interface. In connection with the unit 800, characterized in that for receiving the payment approval request information from the bansa server 100.

When the payment approval request information is received, the information checking unit 815 checks the partner code information included in the payment approval request information, and checks the confirmed partner code information and the payment management D / B 875. And comparing the affiliate code information stored in association with the cache account information to determine whether an affiliate store corresponding to the affiliate code information included in the payment approval request information is subject to payment approval through the cache account associated with the card information.

According to the method of the present invention, the information check unit 815 checks the card information included in the payment approval request information, and the cache card information to the confirmed card information and the payment management D / B (875) It is preferable to check whether the affiliate store is authorized for payment through a cache account associated with the card information by comparing the card information stored in association with the card information, and thus the present invention is not limited thereto.

Alternatively, when the card information includes dedicated BIN information, the information checking unit 815 reads the BIN information of the card information and checks whether the affiliate is a payment approval target through a cache account associated with the card information. It is possible that the present invention is not limited thereby.

When the affiliated store is confirmed to be the payment approval target through the cash account, the value checking unit 820 is linked with the value information D / B 880, the card information included in the payment approval request information, or payment management D The customer (or card information, or cache account) through the non-financial partner's own cache system by checking the cache account information identified from / B 875, or the value provider information and the value information associated with the customer information. Among the value information provided to the) is characterized in that the value information available through the partner.

Alternatively, the value check unit 820 provides the card information included in the payment approval request information or the cache account information confirmed from the payment management D / B 875 to the non-financial partner's own cache system. Characterized by the non-financial partner's own cache system, the value information provided to the customer (or card information, or the cash account) is characterized in that the value information available through the partner.

When the value information available through the affiliate of the value information provided to the customer (or the card information or the cash account) is confirmed, the value applying unit 825 confirms the amount corresponding to the identified value information (or Calculating) and subtracting an amount corresponding to the identified value information from the settlement amount.

When the affiliated store is confirmed as the target of payment approval through the cash account or the amount corresponding to the value information is subtracted from the settlement amount by the value application unit 825, the exchange unit 830 exchanges the settlement amount. (Or a payment amount deducted from the amount corresponding to the value information) is exchanged in the cache unit of the non-financial partner's own cache system.

If the payment amount is exchanged in the cache unit in the bansa server 100 shown in FIG. 4 or the payment amount (or the amount corresponding to the value information is deducted from the non-financial partner's own cache system). The payment amount (or the amount corresponding to the value information) by deducting the amount of cash corresponding to the cash value or by converting the cash deposited in the cash account in the cash unit of the non-financial partner's own cash system in the amount of money; Amount), the currency exchange processing unit 830 may be omitted, and the present invention is not limited thereto.

If the affiliated store is confirmed to be the payment approval target through the cache account, the relay transmission unit 845 checks the cache account information associated with the card information from the payment management D / B (875), the confirmed cache Transfer payment approval request information including one or more of account information, payment amount information (or payment amount information deducting the amount corresponding to the value information), merchant number information, and affiliate code information to the non-financial partner's own cache system. By processing to be approved for payment through the balance of the cash account.

Alternatively, when the affiliated store is confirmed to be the payment approval target through the cash account, the relay transmission unit 845 may include the card information and the payment amount information (or payment amount information deducting the amount corresponding to the value information) and the affiliated store. The payment approval request information including one or more information and the partner code information is transmitted to the non-financial partner's own cache system to process the payment approval through the balance of the cash account.

On the other hand, if the affiliated store is not confirmed to be the payment approval target through the cash account, the relay transmission unit 845 corresponds to the card information payment approval request information including the card information, payment amount information and merchant number information. Transfer to the financial company server 115 is characterized in that the processing to be approved for payment through the amount deposited in the real account (or virtual account of the real account) of the customer name associated with the card information.

If the payment management D / B 875 further includes the cache account balance and is stored, and if the affiliated store is confirmed as the payment approval target through the cache account, the payment approval processing unit 855 determines the payment management D / B. Check the cache account information associated with the card information from the 875, and compares the cache account balance for the cache account and the payment amount information to process the payment authorization through the cache account balance.

When the payment approval through the cash account balance is processed by the payment approval processing unit 855, the synchronization processing unit 870 periodically (or in real time) the cash account balance of the payment management D / B 875 and the ratio. It is characterized by synchronizing the cash balance of the cash system affiliates own cash system.

Referring to FIG. 8, the relay server 110 may include a relay receiving unit for receiving payment approval result information including payment processing details of the payment amount from the non-financial partner's own cache system or the financial institution server 115 ( 850 (or relay receiving means) and an information transmitting unit 810 (or information transmitting means) for transmitting the received payment approval result information to the bansa server 100.

In addition, the relay server 110, the partial approval confirmation unit 835 (or partial approval) for confirming the partial payment approval information including the payment amount (1) of the partial payment of the payment amount through the cash account balance Confirmation means) and an amount calculation unit 840 (or an amount calculation means) for calculating (or confirming) a payment amount 2 subtracting the partial payment approved payment amount 1 from the payment amount; The relay transmission unit 845 transmits the payment approval request information including the card information, the payment amount information 2, and the affiliated store number information to the financial company server 115 for the card. It is characterized in that the payment is processed through the amount deposited in the account (or the virtual account as the parent account), the relay receiving unit 850 is linked with the card information from the financial company server 115 Group room account is characterized in that for receiving a payment approval result information including the billing process details (2) of the payment amount (2) with the amount that has been deposited on (or virtual account to the account in real parent account).

In addition, when the payment approval of the payment amount (2) is confirmed, the relay server 110, the payment processing history (1) of the payment amount (1) and the actual through the cash account balance associated with the card information History generation unit 860 (or details) for generating a payment processing history including the payment processing history (2) of the payment amount (2) through the amount deposited in the account (or virtual account with the real account as the parent account) Generating means) and an information generating unit 865 (or information generating means) for generating payment approval result information by including the payment processing details according to a predetermined information structure.

According to the present invention, when the payment approval through the cash account balance is processed by comparing the cash account balance for the upper cash account and the payment amount information through the payment approval processing unit 855, the history generating unit 860 Is characterized in that for generating a payment processing history corresponding to the payment approval processing, the information generating unit 865 comprises the payment processing details according to a predetermined information structure to generate payment approval result information do.

In addition, the relay server 110, when confirming payment approval through the cache account of the non-financial partner's own cache system, the financial institution server 115 that manages the fund management account for managing the cache account to the cache account; It is characterized in that it further comprises a synchronization processing unit 870 (or a synchronization processing means) for providing a payment processing history for the synchronization of the transaction history of the money management account and the payment processing history for the cash account.

After the payment approval request information is transmitted to the non-financial affiliate's own cache system by the relay transmission unit 845, the relay receiving unit 850 is associated with the card information from the non-financial affiliate's own cache system. And payment approval result information including payment processing details of the payment amount through the cash balance.

Alternatively, after the payment approval request information is transmitted to the financial institution server 115 by the relay transmission unit 845, the relay reception unit 850 may be a real account associated with the card information from the financial company server 115. (Or a virtual account having the real account as the parent account), the payment approval result information including the payment processing details of the payment amount through the deposit amount is characterized in that it is received.

When payment approval result information including the payment processing history is received, the information transmitter 810 transmits the received payment approval result information to the bansa server 100, and the bansa server 100 ) Generates a payment approval result text including the payment processing details included in the payment approval result information according to a preset specialized structure and transmits the generated payment approval result text to the affiliated store terminal 125 shown in FIG.

The partial approval confirming unit 835 checks the partial payment approval information including the partial payment approved payment amount 1 of the payment amount through the cash balance.

According to an exemplary embodiment of the present invention, the partial approval checker 835 reads the payment processing details included in the payment approval result information received from the cache account operation server 120 through the relay receiving unit 850. Preferably, the partial payment approval is confirmed.

According to another exemplary embodiment of the present invention, when the cash management balance is further stored in the payment management D / B 875, the partial approval checker 835 compares the payment amount with the cash account balance. Preferably, the partial payment approval is confirmed.

When the payment management D / B 875 further includes and stores a cache account balance, the partial approval checker 835 compares the cache account balance information with the payment amount (or payment amount converted in units of cash). After confirming the payment authorization (or partial payment approval) for the payment amount, the portion of the payment amount through the cash balance of the payment amount based on the payment processing history corresponding to the payment approval (or partial payment approval) It is possible to confirm the partial payment approval information including the payment amount of payment 1 approved.

If the partial payment approval is confirmed through the cache account balance information stored in the payment management D / B 875, the relay transmission unit 845 may include the cache account information, the payment amount (1) information, the merchant number information, and the like. It is possible to process payment approval request information including one or more affiliate code information to the non-financial partner's own cache system to process payment approval through the cash account balance, in which case the non-financial partner's own cache system It is preferable to process only payment approval for the payment amount (1), it is preferable that the relay receiving unit 850 receives the payment approval result information including the payment processing details for the payment amount (1).

Alternatively, when the partial payment approval is confirmed through the cache account balance information stored in the payment management D / B 875, the relay transmission unit 845 may transmit the card information, the information, the payment amount (1) information, and the affiliate store number. It is possible to process payment approval request information including one or more information and affiliate code information to the non-financial partner's own cache system so that payment can be approved through the cash account balance, in which case the non-financial partner's own cache Preferably, the system processes only payment approval for the payment amount 1, and the relay receiving unit 850 preferably receives payment approval result information including payment processing details for the payment amount 1. .

Alternatively, when the partial payment approval is confirmed through the cache account balance information stored in the payment management D / B 875, the payment approval processing unit 855 may receive the cash account from the payment management D / B 875. Comparing the cash balance and the payment amount (1) is characterized in that for processing the payment authorization through the cash balance.

When the payment approval through the cash account balance is processed by the payment approval processing unit 855, the synchronization processing unit 870 periodically (or in real time) the cash account balance of the payment management D / B 875 and the ratio. It is characterized by synchronizing the cash balance of the cash system affiliates own cash system.

If the partial payment approval information including the partial payment approved payment amount 1 is confirmed, the amount calculation unit 840 subtracts the partial payment approved payment amount 1 from the payment amount (2) ), And in response, the relay transmission unit 845 transmits payment approval request information including the card information, payment amount information (2), and merchant number information to the card. It is characterized in that the transfer to the financial company server 115 to process the payment approval through the amount deposited in the real account (or the virtual account as the parent account), the relay receiving unit 850 is the financial company server ( A payment approval result including a payment processing detail (2) of the payment amount (2) from the amount deposited in the real account (or a virtual account having the real account as a parent account) associated with the card information; And receiving information.

On the other hand, if the partial payment approval information including the partial payment approved payment amount 1 is not confirmed (for example, when the payment amount is approved through the non-financial partner's own cache system or the payment error information is confirmed), The information transmitter 810 may transmit the received payment approval result information to the bansa server 100.

When the payment approval of the payment amount 2 is confirmed, the details generation unit 860 is the payment processing history (1) and the real account of the payment amount (1) through the cash account balance associated with the card information (Or a virtual account having the real account as a parent account) generates a payment processing history including the payment processing details (2) of the payment amount (2) through the amount deposited in the, the information generating unit ( 865 generates payment approval result information by including the payment processing details according to a predetermined information structure, and the information transmitter 810 transmits the generated payment approval result information to the bansa server 100. It features.

When the payment approval is confirmed through the cache account of the non-financial partner's own cache system, the synchronization processor 870 manages the financial management account managing the cash account of the non-financial partner's own cache system. By providing a payment processing history for the cash account, characterized in that the transaction history of the fund management account and the payment processing history for the cache account, thereby the amount approved for payment through the cash account It is settled to the merchant.

According to one embodiment of the invention, the synchronization processing unit 870 preferably checks the payment processing history including payment approval information as the synchronization target payment processing history.

According to another exemplary embodiment of the present invention, the synchronization processing unit 870 is associated with the payment processing history of the payment approved of the cash account transaction history provided in the own cache system in association with the non-financial partner's own cache system. It is preferable to check the cash account transaction history, and to check the cash account transaction history as the synchronization target payment processing history.

When the synchronization target payment processing history is confirmed, the synchronization processing unit 870 provides the synchronization target payment processing history to the financial company server 115 that manages the fund management account corresponding to the cache account, and corresponding to the financial company server (115) withdraws the amount corresponding to the payment processing details from the funds deposited in the fund management account and transfers (or deposits) to the affiliated store corresponding to the affiliated party, thereby transferring the payment processing details and the money management account transaction details. It is desirable to synchronize.

Thereafter, the financial company server 115 generates and transmits transaction history synchronization information corresponding to a synchronization result of the payment processing history and the transaction history of the money management account. In response, the synchronization processing unit 870 is connected to the financial company server ( Receiving the transaction history synchronization information from the transaction and providing the received transaction history synchronization information to the non-financial partner's own cache system so that the transaction history synchronization information is added to (or included) and stored in the cash account transaction history. It is desirable to synchronize the account transaction history and the payment processing history.

When the cache account balance information is stored in the cache account information provided in the payment management D / B 875 according to the embodiment of the present invention, the synchronization processor 870 is associated with the non-financial partner's own cache system. By synchronizing the changes in the cache account balance of the payment management D / B (875) to the own cash system of the non-financial partner, or the change of the cash account balance of the cache system of the non-financial partner's own cache system It is preferable to process the synchronization to B (875), in which case the payment approval request information is not directly transmitted to the non-financial partner's own cache system directly approved by the relay server 110, the cache according to the synchronization method It is possible to synchronize account balances.

When the value information (eg, discount coupon information, point information, prize information) provided to the customer (or card information or cash account) is stored in the value information D / B 880 according to the embodiment of the present invention, The synchronization processor 870 synchronizes the value change of the value information D / B 880 with the non-financial partner's own cache system in connection with the non-financial partner's own cache system, or the non-financial partner's own cache system. It is preferable to synchronize the value change of the own cache system with the value information D / B 880, in which case the value is directly transferred from the relay server 110 without being associated with the non-financial partner's own cache system. After application, it is possible to synchronize the values according to the synchronization scheme.

9A and 9B are diagrams illustrating a payment approval request process for card payment of affiliated affiliates linked to a non-financial affiliate cache system according to an exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B show card information included in a payment approval request message including exclusive BIN information or valid partner code information among payment approval request messages transmitted from the affiliated store terminal 125 shown in FIG. Sending a payment approval request message including payment amount information, merchant number information, and partner code information, the Bansa server 100 shown in FIG. 4 and the card information through the process shown in FIG. When payment approval request information including payment amount information, affiliated store number information, and affiliate code information is transmitted, the relay server 110 shown in FIG. 8 reads the payment approval request information and cache account associated with the card information. Payment authorization request through or through a real account associated with the card information (or a virtual account using the real account as a parent account) As a process of processing, in particular, the financial company server that manages the non-financial partner cash system or the real account (or the virtual account as the parent account) based on the payment approval request information received from the bansa server 100 ( The present invention relates to an implementation method of processing a payment authorization request for payment of a card of an affiliated merchant affiliated with the non-financial affiliate cache system by relaying the transmission.

For those of ordinary skill in the art to which the present invention pertains, a payment approval request process for card payment of affiliated merchants linked with the non-financial affiliate cache system by referring to and / or modifying the drawings 9a and 9b. Various implementations may be inferred (e.g., implementation steps in which some steps have been omitted or reordered), but the present invention encompasses all implementations inferred, as shown in Figures 9a and 9b. The technical features are not limited only to the implemented method.

For example, in the processes shown in FIGS. 9A and 9B, when the affiliated store is confirmed to be the payment approval target through the cache account, the payment amount included in the payment approval request information is cache unit of the non-financial affiliate's own cache system. Although the process includes a process of exchanging money and applying value information to the payment amount, the process of exchanging money or applying the value is omitted, or the bansa server 100 or the non-financial partner of FIG. It is clear that it can be handled in its own cache system.

In addition, in FIG. 9A and FIG. 9B, the cash server information, the payment amount information, the affiliate store number information, and the affiliate code information from the relay server 110 to the cache account operating server 120 of the non-financial partner's own cache system are shown. Although described as shown to transmit the payment approval request information including the above, by this, unless the present invention is limited, the payment approval request information includes at least one card information, payment amount information, merchant number information and affiliate code information It may be made, and the present invention is not limited thereby.

9A and 9B, card information and payment included in a payment approval request message including exclusive BIN information or valid partner code information among payment approval request messages transmitted from the affiliated store terminal 125 shown in FIG. The payment approval request message including the amount information, the merchant number information, and the affiliated code information is transmitted, and the card information and the payment through the process shown in FIG. 5 or 6 in the Bansa server 100 shown in FIG. When the payment approval request information including the amount information, merchant number information and affiliate code information is transmitted, the relay server 110 receives the payment approval request information from the bansa server 100 (900), the payment management The affiliate store corresponding to the affiliate store number (or affiliate code) included in the payment approval request information in association with the D / B 875 passes through the cache account associated with the card information. It is checked whether the payment is approved (905).

According to the method of the present invention, the relay server 110 checks the partner code information included in the full payment approval request, and confirms the confirmed partner code information and the cache account information to the payment management D / B 875. It is preferable to check whether the affiliate store corresponding to the affiliate code information included in the payment approval request information is a payment approval target through a cache account associated with the card information by comparing the affiliate code information stored in association with the card information.

In addition, the relay server 110 checks the card information included in the full payment approval request, and the card information stored in association with the cache account information in the confirmed card information and the payment management D / B (875) In comparison, it is preferable to confirm whether the affiliate store is subject to payment approval through a cache account associated with the card information, and thus the present invention is not limited thereto.

Alternatively, when the card information includes dedicated BIN information, the relay server 110 may read the BIN information of the card information to confirm whether the affiliated store is authorized for payment through a cache account associated with the card information. The present invention is not limited thereto.

If the affiliated store is identified as the payment approval target through the cache account (910), the relay server 110 checks the cache account information associated with the card information in connection with the payment management D / B (875). (915).

In addition, when the affiliated store is confirmed as the payment approval target through the cache account (910), the relay server 110 is linked to the value information D / B (880) through the non-financial partner's own cache system Among the value information provided to the customer (or the card information or the cash account), the value information available through the partner is checked (920).

According to an exemplary embodiment of the present invention, the relay server 110 confirms from the card information included in the payment approval request information or payment management D / B 875 in connection with the value information D / B 880. Of the value information provided to the customer (or card information, or cache account) through the non-financial partner's own cache system by checking the cache information, or the value provider information and value information associated with the customer information It is desirable to confirm the value information available through the affiliate.

According to another exemplary embodiment of the present invention, the relay server 110 is a cache information of the card information included in the payment approval request information or the payment management D / B 875 using the non-financial partner's own cache system. By providing the account information, it is preferable to check the value information available through the affiliate among the value information provided to the customer (or card information or cache account) through the non-financial affiliate's own cache system.

If the value information available through the partner among the value information provided to the customer (or the card information or the cash account) is confirmed (925), the relay server 110 calculates an amount corresponding to the identified value information. In operation 930, the amount corresponding to the confirmed value information is subtracted from the settlement amount.

When the value information is applied to the payment amount in the non-financial partner's own cache system according to another embodiment of the present invention, a process of subtracting the amount corresponding to the value information from the payment amount may be omitted. The present invention is not limited by this.

On the other hand, if value information available through the affiliate is not confirmed (925) or value corresponding to the value information is deducted from the payment amount among the value information provided to the customer (or card information or cash account) ( In operation 930, the relay server 110 exchanges the settlement amount (or the settlement amount deducted from the amount corresponding to the value information) into a cache unit of the non-financial affiliate's own cache system (935).

According to another embodiment of the present invention, in the bansa server 100 shown in FIG. Or the cash amount deposited in the cash unit of the non-financial partner's own cash system in the unit of cash. In the case of the payment processing of the corresponding amount of money deducted), the exchange process can be omitted, and the present invention is not limited thereto.

Subsequently, the relay server 110 checks the cache account information corresponding to the card information in connection with the payment management D / B 875, and checks the cache account information and the payment amount information (or the value information). Payment approval information including one or more payment amount information corresponding to the corresponding amount of money), merchant number information, and affiliate code information is transmitted to the cache account operating server 120 on the non-financial partner's own cache system (940). .

According to another exemplary embodiment of the present invention, the relay server 110 does not check the cache account information, but the card information and payment amount information (or payment amount information deducting the amount corresponding to the value information) and the affiliated store. Payment approval request information including one or more number information and affiliate code information can be transmitted to the cache account operating server 120 on the non-financial partner's own cache system, thereby not limiting the present invention.

Thereafter, the relay server 110 confirms whether payment approval result information including payment processing details of the payment amount through the cache account is received from the cache account operating server 120 on the non-financial partner's own cache system. (945).

If payment approval result information including payment processing details through the cache account is received from the above cash account operating server 120, the payment approval confirmation process for the payment processing details is performed.

On the other hand, if the merchant is not confirmed as the payment approval target through the cache account (910), the relay server 110 the payment approval request information including the card information, payment amount information and merchant number information of the card The real account (or virtual account having the real account as a parent account) associated with the information is transmitted to the financial company server 115 (operation 955), and the financial company server 115 is the real account (or associated with the card information). The payment approval for the payment amount is processed through the virtual account) balance of the real account (960).

If payment approval for the payment amount is processed through the real account (or virtual account having the real account) as a balance (965), the financial institution server 115 may receive a payment approval result (for example, the payment amount). Generate payment processing details including payment approval information, or payment error information) (970), generate payment approval result information including the payment processing details (975), and transmit to the relay server (110). In response thereto, the relay server 110 transmits the payment approval result information to the bansa server 100 shown in FIG. 4 (985), and the bansa server 100 transmits the payment approval result information. The payment approval result corresponding to the full text is generated and transmitted to the affiliated store terminal 125 (990).

FIG. 10 is a diagram illustrating a card payment processing process of an affiliate affiliate store that interworks with a non-financial affiliate cache system according to an exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates payment approval result information including payment processing details of the payment amount from the cache account operating server 120 of the non-financial partner cash system through the processes illustrated in FIGS. 9A and 9B. Is received, the payment processing history included in the payment approval result information is read to check whether the payment is partially approved or not, and when the partial approval is confirmed, the partially approved payment amount (1) from the payment amount. The process of performing the payment processing procedure for the payment amount (2) calculated by subtracting the present invention, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 10 to Various implementation methods (e.g., some steps are omitted or the order is changed) of the affiliated merchant's card payment processing system interworking with the financial affiliate cash system It may be inferred from the implementation method), but the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

For example, the partial approval process is not necessarily performed in the process shown in FIG. 10, and it is apparent that the partial approval process may be omitted according to the intention of the skilled person.

Hereinafter, the payment amount information in this drawing 10, or the payment amount information deducting the amount corresponding to the value information through the process shown in FIGS. 9A and 9B is referred to as "payment amount information" for convenience.

Referring to FIG. 10, payment approval result information including payment processing details of the payment amount is received from the cache account operating server 120 of the non-financial partner cache system through the processes illustrated in FIGS. 9A and 9B. In step 1000, the relay server 110 reads the payment processing details and checks whether the payment is partially approved (1005).

Here, the partial approval of the payment amount means that the cash account balance is smaller than the payment amount information, and only a part of the payment amount information is approved through the cash account balance.

If the partial approval of the payment amount is not confirmed (eg, if the cash account balance is greater than or equal to the payment amount information) (1010), the relay server 110 includes a payment approval result including the payment processing details. The information is transmitted to the bansa server 100 shown in FIG. 4 (1015), and in response thereto, the bansa server 100 generates a full payment approval result corresponding to the payment approval result information to generate the full text of the merchant terminal 125. (1020).

On the other hand, if the partial approval of the payment amount is confirmed (1010), the relay server 110 checks the partial approved payment amount (1) and payment processing details (1) for the payment amount (1) ( 1025), after calculating the payment amount (2) by subtracting the payment amount (1) from the payment amount (1030), payment approval request information including the card information, payment amount (2) information and merchant number information It generates and transmits to the financial company server 115 that manages the real account (or virtual account of the real account as the parent account) associated with the card information (1035).

Thereafter, the financial company server 115 processes payment approval for the payment amount 2 through a real account (or a virtual account having the real account as a parent account) balance associated with the card information (1040).

If payment approval for the payment amount 2 is processed through the real account (or the virtual account having the real account as a parent account) (1045), the financial institution server 115 is connected to the payment amount (2). Generate payment processing details 2 including payment approval results (e.g., payment approval information or payment error information) (1050), and transmit the payment processing details (2) to the relay server (110); 1055), in response, the relay server 110 generates a payment processing history including the payment processing history (1) and the payment processing history (2), and then the payment approval result including the generated payment processing history. Perform the process of generating information.

FIG. 11 is a diagram illustrating a card payment history processing process of an affiliate affiliate store that interoperates with a non-financial affiliate cache system according to an exemplary embodiment of the present invention.

In more detail, in FIG. 11, through the process shown in FIG. 10, payment for the payment amount 1 is processed through a cash account associated with the card information, and an actual account associated with the card information ( Or when the payment for the payment amount 2 is processed through the virtual account having the real account as the parent account, the payment processing details corresponding to the payment amount 1 and the payment amount 2 are generated, and the generated The process of processing the payment approval result information including the payment processing history to be transmitted to the affiliated store terminal 125 shown in Figure 2, if the person having ordinary knowledge in the technical field to which the present invention belongs, this figure 11 Various implementation methods (e.g., some steps may be omitted, or may be out of order) for the processing of the card payment history of the affiliated merchant affiliated with the non-financial affiliate cache system by referring to and / or modified Would be able to infer how landscaped embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 11.

For example, in the process shown in FIG. 11, the partial approval process is not necessarily performed, and it is apparent that the partial approval process may be omitted according to the intention of the skilled person.

Referring to FIG. 11, through the process shown in FIG. 10, payment for the payment amount 1 is processed through a cache account associated with the card information among the payment amounts, and a real account (or When the payment for the payment amount (2) is processed through the virtual account using the real account), the relay server 110 reads the payment processing details for the payment amount (2) to the payment amount ( Check whether the payment is approved for 2) (1100).

If payment approval for the payment amount 2 is not confirmed (1105), the relay server 110 sends the cache account operation server 120 of the non-financial partner cash system to the payment processing history 1. Transmitting partial payment approval cancellation information (1110), generating payment processing details including payment error information (1115), generating payment approval result information including the payment processing details (1120), and the bansa server ( 100, and transmits the generated payment approval result information (1125), and in response, the bansa server 100 generates the full payment approval result corresponding to the payment approval result information and transmits it to the affiliated store terminal 125. (1130).

On the other hand, if the payment approval of the payment amount (2) is confirmed (1105), the relay server 110 checks the payment processing history (1) and the payment processing history (2) confirmed through the process shown in FIG. Generate payment processing details including a (1135), generate payment approval result information including the payment processing history (1120), and transmits the generated payment approval result information to the bansa server 100 (1125) In response thereto, the bansa server 100 generates a payment approval result full text corresponding to the payment approval result information and transmits it to the affiliated store terminal 125 (1130).

12A and 12B are diagrams illustrating a payment approval request process for card payment of affiliated affiliates that interoperate with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

12A and 12B show card information included in a payment approval request message including exclusive BIN information or valid partner code information among payment approval request messages transmitted from the affiliated store terminal 125 shown in FIG. Sending a payment approval request message including payment amount information, merchant number information, and partner code information, the Bansa server 100 shown in FIG. 4 and the card information through the process shown in FIG. When payment approval request information including payment amount information, affiliated store number information, and affiliate code information is transmitted, the relay server 110 shown in FIG. 8 reads the payment approval request information and cache account associated with the card information. Payment approval request through or through a real account associated with the card information (or a virtual account using the real account as a parent account) As a process of processing, in particular, when the cash management balance information for the cache account associated with the card information is stored in the payment management D / B (875), from the bansa server 100 through the cache account balance After the partial approval of the payment amount included in the received payment approval request information is confirmed in advance, the payment approval request information is stored in the non-financial partner cash system or the real account (or the virtual account as the parent account). The present invention relates to a method for processing a payment authorization request for payment of a card of an affiliated affiliated store linked with the non-financial affiliate cache system by relaying to a financial company server 115 which manages a).

For those of ordinary skill in the art to which the present invention pertains, a payment approval request process for card payment of affiliated merchants interworking with the non-financial affiliate cache system by referring to and / or modifying the drawings 12a and 12b. Various implementations may be inferred (e.g., implementation steps in which some steps have been omitted or reordered), but the present invention encompasses all implementations inferred, as shown in Figures 12a and 12b. The technical features are not limited only by the implementation method.

For example, in the processes illustrated in FIGS. 12A and 12B, when the affiliated store is confirmed to be the payment approval target through the cache account, the payment amount included in the payment approval request information is cached in the non-financial partner's own cache system. Although the process includes a process of exchanging money and applying value information to the payment amount, the process of exchanging money or applying the value is omitted, or the bansa server 100 or the non-financial partner of FIG. It is clear that it can be handled in its own cache system.

In addition, in FIG. 12A and FIG. 12B, the cash server information, the payment amount information, the affiliate store number information, and the affiliate code information from the relay server 110 to the cache account operating server 120 of the non-financial partner's own cache system are shown. Although described as shown to transmit the payment approval request information including the above, by this, unless the present invention is limited, the payment approval request information includes at least one card information, payment amount information, merchant number information and affiliate code information It may be made, and the present invention is not limited thereby.

12A and 12B, card information and payment included in a payment approval request message including exclusive BIN information or valid partner code information among payment approval request messages transmitted from the affiliated store terminal 125 shown in FIG. The payment approval request message including the amount information, the merchant number information, and the affiliated code information is transmitted, and the card information and the payment through the process shown in FIG. 5 or 6 in the Bansa server 100 shown in FIG. When the payment approval request information including the amount information, merchant number information and affiliate code information is transmitted, the relay server 110 receives the payment approval request information from the bansa server 100 (1200), the payment management The affiliate store corresponding to the affiliate store number (or affiliate code) included in the payment approval request information in association with the D / B 875 stores the cache account associated with the card information. Check whether the payment approval target through (1205).

According to the method of the present invention, the relay server 110 checks the partner code information included in the full payment approval request, and confirms the confirmed partner code information and the cache account information to the payment management D / B 875. It is preferable to check whether the affiliate store corresponding to the affiliate code information included in the payment approval request information is a payment approval target through the cache account associated with the card information by comparing the affiliate code information stored in association with the card information.

In addition, the relay server 110 checks the card information included in the full payment approval request, and the card information stored in association with the cache account information in the confirmed card information and the payment management D / B (875) In comparison, it is preferable to confirm whether the affiliate store is subject to payment approval through a cache account associated with the card information, and thus the present invention is not limited thereto.

Alternatively, when the card information includes dedicated BIN information, the relay server 110 may read the BIN information of the card information to confirm whether the affiliated store is authorized for payment through a cache account associated with the card information. The present invention is not limited thereto.

If the affiliated store is confirmed as the payment approval target through the cache account (1210), the relay server 110 checks the cache account information associated with the card information in connection with the payment management D / B (875). (1215).

In addition, if the affiliated store is confirmed as the payment approval target through the cache account (1210), the relay server 110 is linked to the value information D / B (880) through the non-financial affiliates' own cache system Among the value information provided to the customer (or the card information or the cash account), the value information available through the partner is confirmed (1220).

According to an exemplary embodiment of the present invention, the relay server 110 confirms from the card information included in the payment approval request information or payment management D / B 875 in connection with the value information D / B 880. Of the value information provided to the customer (or card information, or cache account) through the non-financial partner's own cache system by checking the cache information, or the value provider information and value information associated with the customer information It is desirable to confirm the value information available through the affiliate.

According to another exemplary embodiment of the present invention, the relay server 110 is a cache information of the card information included in the payment approval request information or the payment management D / B 875 using the non-financial partner's own cache system. By providing the account information, it is preferable to check the value information available through the affiliate among the value information provided to the customer (or card information or cache account) through the non-financial affiliate's own cache system.

If the value information available through the partner among the value information provided to the customer (or the card information or the cash account) is confirmed (1225), the relay server 110 determines an amount corresponding to the identified value information. In operation 1230, the amount corresponding to the confirmed value information is subtracted from the settlement amount.

When the value information is applied to the payment amount in the non-financial partner's own cache system according to another embodiment of the present invention, a process of subtracting the amount corresponding to the value information from the payment amount may be omitted. The present invention is not limited by this.

On the other hand, if the value information available through the affiliate is not confirmed (1225) of the value information provided to the customer (or the card information or the cash account), or the amount corresponding to the value information is subtracted from the payment amount ( In operation 1235, the relay server 110 exchanges the payment amount (or a payment amount deducting the amount corresponding to the value information) into a cache unit of the non-financial affiliate's own cache system (1235).

According to another embodiment of the present invention, in the bansa server 100 shown in FIG. 4, the payment amount is exchanged in units of the cache, or the payment amount (or the value information in the non-financial partner's own cache system). Or the cash amount deposited in the cash unit of the non-financial partner's own cash system in the unit of cash. In the case of the payment processing of the corresponding amount of money deducted), the exchange process can be omitted, and the present invention is not limited thereto.

Subsequently, the relay server 110 checks the cache account information corresponding to the card information in association with the payment management D / B 875, and cache account balance and the payment amount information for the checked cache account information. In operation 1240, the partial approval of the payment amount is confirmed by comparing the payment amount information with the amount corresponding to the value information deducted.

Here, the partial approval of the payment amount means that the cash account balance is smaller than the payment amount information (or payment amount information subtracted from the amount corresponding to the value information) and the payment amount information through the cash account balance. (Or payment amount information subtracted from the amount corresponding to the value information).

If the partial approval of the payment amount is confirmed (1245), the relay server 110 checks the partially approved payment amount 1 from the cache account balance (eg, the payment amount information (or the value information). The balance of the cash account) from the amount of money corresponding to the amount of money), the amount of money corresponding to the amount of money being deducted; Perform the payment approval process for 2).

On the other hand, if the partial approval of the payment amount is not confirmed (for example, if the cash account balance is greater than or equal to the payment amount information (or the amount corresponding to the value information is deducted) (1245), the The relay server 110 checks the cache account information corresponding to the card information in association with the payment management D / B 875, and checks the cache account information and the payment amount information (or the amount corresponding to the value information). Payment approval request information including one or more of the deducted payment amount information), merchant number information, and affiliate code information is transmitted to the cache account operating server 120 on the non-financial partner's own cache system (1295).

According to another exemplary embodiment of the present invention, the relay server 110 does not check the cache account information, but the card information and payment amount information (or payment amount information deducting the amount corresponding to the value information) and the affiliated store. Payment approval request information including one or more number information and affiliate code information can be transmitted to the cache account operating server 120 on the non-financial partner's own cache system, thereby not limiting the present invention.

Thereafter, the relay server 110 confirms whether payment approval result information including payment processing details of the payment amount through the cache account is received from the cache account operating server 120 on the non-financial partner's own cache system. (1296).

If payment approval result information including the payment processing history through the cache account for the payment amount is received from the above cash account operation server 120 (1297), the relay server 110 is shown in FIG. The payment approval result information is transmitted to the bansa server 100 (1285), and the bansa server 100 generates the full payment approval result corresponding to the payment approval result information and transmits it to the affiliated store terminal 125. (1290).

On the other hand, if the affiliated store is not confirmed as the payment approval target through the cache account (1210), the relay server 110 the payment information request information including the card information, payment amount information and merchant number information card information And transmits the real account (or virtual account having the real account as a parent account) to the financial company server 115 (1255), and the financial company server 115 connects the real account (or the The payment approval for the payment amount is processed through the balance of the virtual account having the real account as the parent account (1260).

If payment approval for the payment amount is processed through the balance of the real account (or the virtual account with the parent account) (1265), the financial institution server 115 determines the settlement result (for example, the payment amount). Generate payment processing details including payment approval information or payment error information) (1270), generate payment approval result information including the payment processing details (1275), and transmit to the relay server 110. In response thereto, the relay server 110 transmits the payment approval result information to the bansa server 100 shown in FIG. 4 (1285), and the bansa server 100 transmits the payment approval result information. The payment approval result corresponding to the full text is generated and transmitted to the affiliated store terminal 125 (1290).

FIG. 13 is a diagram illustrating a card payment processing process of an affiliate affiliate store that interoperates with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

More specifically, FIG. 13 shows the partial approval when the partially approved payment amount 1 of the payment amount is confirmed in connection with the payment management D / B 875 through the process shown in FIGS. 12A and 12B. The present invention relates to a process of performing a payment processing procedure for a payment amount (2) calculated by subtracting the payment amount (1) from the payment amount and the payment amount of the received payment amount (1), If one of ordinary skill in the art, various implementation methods (e.g., some steps are omitted) for the card payment processing process of the affiliated merchant affiliated with the non-financial affiliate cache system by referring to and / or modified in this figure 13 It is possible to infer an implementation method in which the order has been changed), but the present invention includes all the implementation methods inferred above, and the technical features thereof are only shown in the implementation method shown in FIG. It is not limited.

For example, the partial approval process shown in FIG. 13 is not necessarily performed, and it is apparent that the partial approval process may be omitted according to the intention of those skilled in the art.

Hereinafter, the payment amount information in this drawing 13, or the payment amount information in which the amount corresponding to the value information is deducted through the process shown in FIGS. 12A and 12B is referred to as "payment amount information" for convenience.

Referring to FIG. 13, when the partially approved payment amount 1 of the payment amount is confirmed in connection with the payment management D / B 875 through the processes illustrated in FIGS. 12A and 12B, the relay server ( 110 checks the cache account information associated with the card information, generates payment approval request information including the cash account information, payment amount (1) information, merchant number information and affiliate code information to cache the non-financial affiliates The system transmits the cache account operating server 120 of the system (1300).

According to another exemplary embodiment of the present invention, the relay server 110 does not check the cache account information, but the payment approval request includes one or more of the card information, the payment amount 1, affiliate store number information, and affiliate code information. It is possible to transmit the information to the cache account operating server 120 on the non-financial partner's own cache system, whereby the present invention is not limited.

Subsequently, the relay server 110 includes the payment approval details 1 including the payment processing details 1 for the payment amount 1 through the cache account from the cache account operating server 120 on the non-financial partner's own cache system. Check whether the result information is received (1305).

If the payment approval result information including the payment processing history 1 through the cache account is received from the above cache account operation server 120 (1310), the relay server 110 receives the received payment approval result information The payment processing details 1 for the partially approved payment amount 1 are confirmed from 1315.

In addition, the relay server 110 calculates a payment amount 2 by subtracting the payment amount 1 from the payment amount (1320), and then the card information, payment amount 2 information, and merchant number information. The payment approval request information including the payment information is generated and transmitted to the financial company server 115 that manages the real account (or the virtual account having the real account as the parent account) associated with the card information (1325).

Thereafter, the financial institution server 115 processes payment approval for the payment amount 2 through a real account (or a virtual account having the real account as a parent account) balance associated with the card information (1330).

If payment approval for the payment amount 2 is processed through the real account (or the virtual account having the real account as a parent account) (1335), the financial institution server 115 is connected to the payment amount (2). Generate payment processing details 2 including payment approval results (e.g., payment approval information or payment error information) (1340), and transmit the payment processing details (2) to the relay server 110; In response thereto, the relay server 110 generates a payment processing history including the payment processing history 1 and the payment processing history 2 and then approves the payment including the generated payment processing history. Generates the result information.

FIG. 14 is a diagram illustrating a card payment history processing process of an affiliate affiliate store that interoperates with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

In detail, FIG. 14 illustrates a payment process for a payment amount 1 through a cache account associated with the card information among the payment amounts, and a real account associated with the card information. Or when the payment for the payment amount 2 is processed through the virtual account having the real account as the parent account, the payment processing details corresponding to the payment amount 1 and the payment amount 2 are generated, and the generated Regarding a process of processing payment approval result information including payment processing details to be transmitted to the affiliated store terminal 125 illustrated in FIG. 2, the present invention belongs to those skilled in the art. Various implementation methods (e.g., some steps may be omitted or ordered) for the process of processing the card payment history of the affiliated merchant affiliated with the non-financial affiliate cache system by referring to and / or modified Would be able to infer how landscaped embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 14.

For example, the partial approval process is not necessarily performed in the process illustrated in FIG. 14, and it is apparent that the partial approval process may be omitted according to the intention of the skilled person.

Referring to FIG. 14, through the process shown in FIG. 13, payment for the payment amount 1 is processed through a cash account associated with the card information, and a real account (or associated with the card information) is processed. When the payment for the payment amount 2 is processed through the virtual account having the real account as the parent account, the relay server 110 reads the payment processing details for the payment amount 2 and the payment amount 2 Check whether the payment is approved for (1400).

If payment approval for the payment amount 2 is not confirmed (1405), the relay server 110 transmits to the cache account operation server 120 of the non-financial partner cash system for the payment processing history 1. Transmitting partial payment approval cancellation information (1410), generating payment processing details including payment error information (1415), generating payment approval result information including the payment processing details (1420), and the bansa server ( 100) and transmits the generated payment approval result information (1425), and in response, the bansa server 100 generates the full payment approval result corresponding to the payment approval result information and transmits it to the affiliated store terminal 125. (1430).

On the other hand, if the payment approval of the payment amount (2) is confirmed (1405), the relay server 110 is the payment processing history (1) and the payment processing history (2) confirmed through the process shown in FIG. Generate payment settlement details including a 1435, generates payment approval result information including the payment processing history (1420), and transmits the generated payment approval result information to the bansa server 100 (1425). In response thereto, the bansa server 100 generates a full payment approval result corresponding to the payment approval result information and transmits it to the affiliated store terminal 125 (1430).

FIG. 15 is a diagram illustrating a payment approval request process for payment of a card of an affiliated affiliate store that interoperates with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

More specifically, FIG. 15 shows card information and payment amount information included in a payment approval request message including exclusive BIN information or valid partner code information among payment approval request messages transmitted from the affiliated store terminal 125 shown in FIG. And transmits the payment approval request message including affiliate store number information and affiliate code information, and the card information and payment amount information through the process shown in FIG. 5 or 6 in the Bansa server 100 shown in FIG. And payment approval request information including affiliate store number information and affiliate code information, the relay server 110 shown in FIG. 8 reads the payment approval request information and pays through the cache account associated with the card information. To process an authorization request or a request for payment authorization through a real account associated with the card information (or a virtual account using the real account as a parent account). As for the process, in particular, if the cache account balance information for the cache account associated with the card information is stored in the payment management D / B (875), if the merchant is confirmed as the target of payment approval through the cache account, The payment approval is processed through the cash balance, but if the affiliate is not confirmed as the payment approval target through the cash account, the payment approval request information is the real account (or the virtual account as the parent account). The present invention relates to a method for processing a payment authorization request for payment of a card of an affiliated affiliated store linked with the non-financial affiliate cache system by relaying to a financial company server 115 which manages a).

Those skilled in the art to which the present invention pertains, various implementation methods for the payment approval request process for card payment of affiliated merchants that interoperate with the non-financial affiliate cache system by referring to and / or modifying the drawing 15. (For example, some steps may be omitted, or the order of implementation may be changed). However, the present invention includes all the implementation methods inferred above, and the technical features are only shown by the implementation method shown in FIG. This is not limited.

For example, in the process illustrated in FIG. 15, when the affiliated store is confirmed to be the payment approval target through the cache account, the payment amount included in the payment approval request information is exchanged in the cache unit of the non-financial affiliate's own cache system. Although the process includes, and the process of applying the value information to the payment amount, the exchange process or the value application process is omitted, or the bansa server 100 or the non-financial partner's own cache system shown in Figure 4 It is clear that it can be processed within.

Referring to FIG. 15, card information and payment amount information included in a payment approval request message including exclusive BIN information or valid partner code information among payment approval request messages transmitted from the affiliated store terminal 125 shown in FIG. The payment approval request message including affiliate store number information and affiliate code information is transmitted, and the card information and the payment amount information are transferred through the process shown in FIG. 5 or 6 in the Bansa server 100 shown in FIG. When payment approval request information including affiliate store number information and affiliate code information is transmitted, the relay server 110 receives the payment approval request information from the bansa server 100 (1500), and the payment management D / B. The merchant corresponding to the affiliate store number (or affiliate code) included in the payment approval request information in association with 875, the payment through the cache account associated with the card information Check that the target (1505).

According to the method of the present invention, the relay server 110 checks the partner code information included in the full payment approval request, and confirms the confirmed partner code information and the cache account information to the payment management D / B 875. It is preferable to check whether the affiliate store corresponding to the affiliate code information included in the payment approval request information is a payment approval target through the cache account associated with the card information by comparing the affiliate code information stored in association with the card information.

In addition, the relay server 110 checks the card information included in the full payment approval request, and the card information stored in association with the cache account information in the confirmed card information and the payment management D / B (875) In comparison, it is preferable to confirm whether the affiliate store is subject to payment approval through a cache account associated with the card information, and thus the present invention is not limited thereto.

Alternatively, when the card information includes dedicated BIN information, the relay server 110 may read the BIN information of the card information to confirm whether the affiliated store is authorized for payment through a cache account associated with the card information. The present invention is not limited thereto.

If the affiliated store is identified as the payment approval target through the cache account (1510), the relay server 110 checks the cache account information associated with the card information in connection with the payment management D / B (875). (1515).

In addition, if the affiliated store is confirmed as the payment approval target through the cache account (1510), the relay server 110 is linked to the value information D / B (880) through the non-financial affiliates' own cache system Among the value information provided to the customer (or the card information or the cash account), the value information available through the affiliate is checked (1520).

According to an exemplary embodiment of the present invention, the relay server 110 confirms from the card information included in the payment approval request information or payment management D / B 875 in connection with the value information D / B 880. Of the value information provided to the customer (or card information, or cache account) through the non-financial partner's own cache system by checking the cache information, or the value provider information and value information associated with the customer information It is desirable to confirm the value information available through the affiliate.

According to another exemplary embodiment of the present invention, the relay server 110 is a cache information of the card information included in the payment approval request information or the payment management D / B 875 using the non-financial partner's own cache system. By providing the account information, it is preferable to check the value information available through the affiliate among the value information provided to the customer (or card information or cache account) through the non-financial affiliate's own cache system.

If the value information available through the partner among the value information provided to the customer (or the card information or the cash account) is confirmed (1525), the relay server 110 may determine an amount corresponding to the identified value information. In operation 1530, the amount corresponding to the confirmed value information is subtracted from the settlement amount.

When the value information is applied to the payment amount in the non-financial partner's own cache system according to another embodiment of the present invention, a process of subtracting the amount corresponding to the value information from the payment amount may be omitted. The present invention is not limited by this.

On the other hand, if the value information available to the customer (or card information or cash account) available through the partner is not confirmed (1525), or the amount corresponding to the value information is subtracted from the payment amount ( In operation 1535, the relay server 110 exchanges the payment amount (or a payment amount deducting the amount corresponding to the value information) into a cache unit of the non-financial affiliate's own cache system (1535).

According to another embodiment of the present invention, in the bansa server 100 shown in FIG. 4, the payment amount is exchanged in units of the cache or the payment amount (or the value information) in the non-financial partner's own cache system. Or the cash amount deposited in the cash unit of the non-financial partner's own cash system in the unit of cash. In the case of the payment processing of the corresponding amount of money deducted), the exchange process can be omitted, and the present invention is not limited thereto.

Thereafter, the relay server 110 checks the cache account information corresponding to the card information in association with the payment management D / B 875, and balances the cache account for the cache account information associated with the confirmed card information. By confirming (1540), the payment amount is processed to be approved in advance through the cash balance.

On the other hand, if the affiliated store is not confirmed as the payment approval target through the cache account (1510), the relay server 110 the payment information request information including the card information, payment amount information and merchant number information card information And transmits a real account (or a virtual account having the real account as a parent account) to a financial company server 115 (1555), and the financial company server 115 is a real account associated with the card information (or the The payment approval for the payment amount is processed through the balance of the virtual account having the real account as the parent account (1560).

If the payment approval for the payment amount is processed through the real account (or the virtual account having the real account as the parent account) (1565), the financial institution server 115 receives a payment approval result (for example, the payment amount). Generate payment processing details including payment approval information or payment error information) (1570), generate payment approval result information including the payment processing details (1575), and transmit to the relay server 110. In response to this, the relay server 110 transmits the payment approval result information to the bansa server 100 shown in FIG. 4 (1585), and the bansa server 100 transmits the payment approval result. The payment approval result corresponding to the information is generated and transmitted to the affiliated store terminal 125 (1590).

16A and 16B illustrate a card payment processing process of an affiliate affiliated store that interoperates with a non-financial affiliate cache system according to another exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate that when the cash account balance for the cache account associated with the card information is confirmed from the payment management D / B 875 through the process illustrated in FIG. 15, the cache account balance. After synchronizing the payment amount through the prepayment approval through, but the payment approval through the cash account balance is not confirmed, the process for further processing the partial approval of the payment amount through the cash account balance, the present invention Those skilled in the art may refer to and / or modify the drawings 16a and 16b to implement various methods of card payment processing of affiliated affiliates that interoperate with the non-financial affiliate cache system (e.g., Some steps may be omitted, or the order of implementation may be altered, but the present invention encompasses all such implementation methods inferred. To be made, the technical features are not limited only with the exemplary method shown in the figure 16a and figure 16b.

For example, the partial approval process shown in FIGS. 16A and 16B is not necessarily performed, and the partial approval process may be omitted according to the intention of those skilled in the art.

In addition, in FIGS. 16A and 16B, the payment is approved in advance and the real time synchronization with respect to the cache account balance is shown. However, the present invention is not limited thereto, and the synchronization process is periodically performed. It is clear that this may be done.

Hereinafter, the payment amount information in FIGS. 16A and 16B or the payment amount information in which the amount corresponding to the value information is deducted through the process shown in FIG. 15 is referred to as "payment amount information" for convenience.

Referring to FIGS. 16A and 16B, when the cash account balance for the cache account associated with the card information is confirmed from the payment management D / B 875 through the process illustrated in FIG. 15, the relay server 110 may be used. ) Compares the cash balance with the payment amount and checks whether payment for the payment amount is possible (1600).

If it is confirmed that payment approval for the payment amount is possible through the cache account balance stored in the payment management D / B 875 (1605), the relay server 110 sends a request to the payment management D / B 875. Approving and processing the payment for the payment amount through the stored cache account balance (1610), the cache account of the payment management D / B (875) through the cache account operating server 120 of the non-financial partner cash system The balance and the cache account of the non-financial affiliate cash system are synchronized (1615).

If the cache account balance is synchronized (1620), the relay server 110 generates a payment processing history including payment approval information for the payment amount (1625), including the generated payment processing history After generating payment approval result information (1630), the generated payment approval result information is transmitted to the bansa server 100 (1635), and in response thereto, the bansa server 100 corresponds to the payment approval result information. The payment approval result is generated and transmitted to the affiliated store terminal 125 (1640).

On the other hand, if it is not confirmed that payment approval for the payment amount is possible through the cache account balance stored in the payment management D / B 875 (1605), the relay server 110 may transmit the payment management D / B 875. In step 1645, the cash balance remaining in the storage unit is compared with the payment amount to confirm the partial payment approval.

If the partial payment approval for the payment amount is not confirmed (1650), the relay server 110 generates a payment processing history including the payment error information (1655), and includes the generated payment processing details. After generating payment approval result information (1630), the generated payment approval result information is transmitted to the bansa server 100 (1635), and in response thereto, the bansa server 100 corresponds to the payment approval result information. The payment approval result is generated and transmitted to the affiliated store terminal 125 (1640).

If the partial payment approval for the payment amount is confirmed (1650), the relay server 110 checks the payment amount (1) to be partially approved in connection with the payment management D / B (875) (1655).

According to the method of the present invention, it is preferable to check the payment amount 1 to be partially approved by subtracting the cash balance from the payment amount.

Thereafter, the relay server 110 processes the payment approval for the payment amount 1 through the cache account balance stored in the payment management D / B 875 (1660), and caches the non-financial affiliate cache system. The account management server 120 synchronizes the cache account balance of the payment management D / B 875 and the cache account of the non-financial partner cache system in operation 1665.

If the cache account balance is synchronized (1670), the relay server 110 generates a payment processing history 1 including payment approval information for the payment amount 1 (1675).

Thereafter, the relay server 110 calculates a payment amount 2 by subtracting the payment amount 1 from the payment amount (1680), and then the card information, payment amount (2) information, and merchant number information. The payment approval request information including the generated information is generated and transmitted to the financial company server 115 managing the real account (or the virtual account having the real account as the parent account) associated with the card information (1685).

Thereafter, the financial company server 115 processes payment approval for the payment amount 2 through a real account (or a virtual account having the real account as a parent account) balance associated with the card information (1690).

If payment approval for the payment amount 2 is processed through the real account (or a virtual account having the real account as a parent account) (1695), the financial institution server 115 is connected to the payment amount (2). Generate a payment processing history 2 including a payment approval result (for example, payment approval information or payment error information) (1697), and transmit the payment processing history (2) to the relay server 110; 1699), in response, the relay server 110 generates a payment processing history including the payment processing history (1) and the payment processing history (2), and then the payment approval result including the generated payment processing history. Perform the process of generating information.

FIG. 17 is a diagram illustrating a card payment history processing process of an affiliated merchant affiliated with a non-financial affiliate cache system according to another embodiment of the present invention.

In more detail, in FIG. 17, the payment for the payment amount 1 is processed through the cash account associated with the card information among the payment amounts through the process illustrated in FIGS. 16A and 16B, and is associated with the card information. When the payment for the payment amount 2 is processed through a real account (or a virtual account having the real account as a parent account), a payment processing history corresponding to the payment amount 1 and the payment amount 2 is generated, Regarding a process of processing the payment approval result information including the generated payment processing details to be transmitted to the affiliated store terminal 125 shown in FIG. 2, the present invention belongs to those skilled in the art. Various implementation methods (e.g., some steps may be omitted or may be omitted) for the process of processing the card payment history of the affiliated merchant affiliated with the non-financial affiliate cache system by referring to and / or modifying the drawing 17. Would be able to infer the exemplary method sequence is changed), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 17.

For example, the partial approval process is not necessarily performed in the process shown in FIG. 17, and it is apparent that the partial approval process may be omitted according to the intention of the skilled person.

Referring to FIG. 17, through the process shown in FIGS. 16A and 16B, payment for the payment amount 1 is processed through a cash account associated with the card information among the payment amounts, and the actual information associated with the card information is processed. When the payment for the payment amount 2 is processed through an account (or a virtual account having the real account as the parent account), the relay server 110 reads the payment processing history for the payment amount 2 and the It is checked whether the payment is approved for the payment amount 2 (1700).

If payment approval for the payment amount 2 is not confirmed (1705), the relay server 110 sends the cache account operation server 120 of the non-financial affiliate cash system to the payment processing details 1. Transmitting partial payment approval cancellation information (1710), generating payment processing details including payment error information (1715), generating payment approval result information including the payment processing details (1720), and the bansa server ( 100, and transmits the generated payment approval result information (1725), and in response, the bansa server 100 generates the full payment approval result corresponding to the payment approval result information and transmits it to the affiliated store terminal 125. (1730).

On the other hand, if the payment approval of the payment amount (2) is confirmed (1705), the relay server 110 is the payment processing history (1) and the payment processing details confirmed through the process shown in Figures 16a and 16b Generate payment settlement details including (2) (1735), generate payment approval result information including the payment processing history (1720), and transmit the generated payment approval result information to the bansa server (100). In response (1725), the bansa server 100 generates a full payment approval result corresponding to the payment approval result information and transmits it to the affiliated store terminal 125 (1730).

18 is a diagram illustrating a process of synchronizing payment processing details of affiliated merchants with a fund management account according to an embodiment of the present invention.

In more detail, FIG. 18 shows details of payment processing of affiliated merchants authorized for payment through the process shown in FIGS. 9A and 9B or 11 or 12A and 12B or 14 or 16A and 16B and 17. When generated (or received or confirmed), the transaction history and the funds of the cash account through the financial company server 115 that manages the funds management account corresponding to the cache account in the relay server 110 shown in FIG. Regarding the process of synchronizing the transaction history of the operating account, those of ordinary skill in the art to which the present invention belongs, refer to and / or modify the drawing 18 and the payment processing details of the affiliated merchants and the fund management account Various implementation methods (e.g., some steps may be omitted or reordered) may be inferred for the synchronization process. Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 18.

Referring to FIG. 18, payment processing details of affiliated merchants authorized for payment are generated through the process shown in FIGS. 9a and 9b or 11 or 12a and 12b or 14 or 16a and 16b or 17. (Or received, or confirmed), the relay server 110 through the process shown in Figure 9a and 9b or Figure 11 or Figure 12a and 12b or Figure 14 or Figure 16a and Figure 16b or Figure 17. In operation 1800, the synchronization target payment processing history corresponding to the payment processing history of the affiliated affiliated store that has been approved for payment is checked.

According to an exemplary embodiment of the present invention, the relay server 110 preferably checks the payment processing details including payment approval information as the synchronization target payment processing details.

According to another exemplary embodiment of the present invention, the relay server 110 corresponds to the payment processing history of the payment approved of the cache account transaction history provided in the own cache system in connection with the non-financial partner's own cache system. It is preferable to check the cash account transaction history, and to check the cash account transaction history as the synchronization target payment processing history.

If the payment synchronization details of the payment approval is confirmed (1805), the relay server 110 manages the fund management account corresponding to the cache account of the confirmed synchronization target payment processing history (115). In response (1810), the financial institution server 115 withdraws the amount corresponding to the synchronization target payment processing details from the funds deposited in the fund management account (eg, merchant account) In operation 1815, the transfer process (1815) is performed by transferring (or depositing) the merchant account confirmed from the merchant number information corresponding to the information, or the merchant account identified through the merchant number information associated with the merchant account number.

If the synchronization target payment processing history and the money management account transaction history is synchronized (1820), the financial institution server 115 generates the transaction history synchronization information corresponding to the synchronization target payment processing history to the relay server 110 In step 1825, the relay server 110 provides the transaction history synchronization information to the partner's own cache system and processes the transaction history synchronization information to be stored in the cache account transaction history of the cache account (1830). The transaction processing history and the transaction history of the money management account corresponding to the processing is synchronized.

19 is a diagram illustrating a partner affiliate cache system for affiliated merchant payment processing according to an embodiment of the present invention.

In more detail, FIG. 19 is a payment approval including card information, payment amount information, merchant number information, and affiliate code information from the bansa server 100 shown in FIG. 4 in the relay server 110 shown in FIG. The non-financial partner cache system confirms that the payment authorization for the payment amount (or the payment amount deducting the amount corresponding to the value information, or the payment amount 1 to be partially approved) is received and read. Then, the payment amount (or the payment amount deducted from the amount corresponding to the value information, or the payment amount 1 to be partially approved) through the amount corresponding to the cache deposited in the cash account associated with the card information. When requesting payment approval, the payment amount (or the amount corresponding to the value information) is subtracted from the cache account operating server 120 of the non-financial partner cash system. A system configuration for processing payment approval for an amount, or a payment amount (1) to be partially approved), and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 19. Various implementation methods (e.g., implementation methods in which some components are omitted, subdivided, or combined) for the affiliate affiliate cache system for processing the affiliated affiliate payment may be inferred, but the present invention may infer all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the payment amount, or the payment amount 1 to be partially approved, or the payment amount 1 to be partially approved, is referred to as "payment amount" on the partner's own cache system shown in FIG. 19 or later.

Referring to FIG. 19, the affiliate affiliate cache system for the affiliated merchant payment processing includes the affiliated store terminal 125 illustrated in FIG. 2, the bansa server 100 illustrated in FIG. 4, and the illustrated FIG. 8. The relay server 110 and the payment authorization request information including one or more cache account information, payment amount information, merchant number information, and affiliate code information from the relay server 110, and the cache deposited in the card account. It is characterized in that it comprises a cache account operating server 120 for processing the payment authorization through the amount corresponding to the payment.

In FIG. 19, the cache account operating server 120 is illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the cache account operating server 120 in the present invention. It is apparent that the cache account operating server 120 may be implemented in the form of a system consisting of a plurality of servers for each functional component according to the intention and the implementation method of the specialized processing system.

The affiliated store terminal 125 may include at least one CAT (Credit Authorization Terminal) provided at the affiliated store, or at least one point of sales (POS) terminal having a payment function.

According to an embodiment of the present invention, the affiliated store terminal 125 includes at least one card reader for card payment processing, reads card information from the customer card through the card reader, and pays through a key input device. After inputting the amount information, generating the payment approval request message including the card information, payment amount information, merchant number information, and partner code information (optional) and transmits to the bansa server 100 through a communication network It is done.

The bansa server 100 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) connection and a communication channel with an affiliated store terminal 125 provided at the affiliated store through a public communication network including at least one of an IEEE 802.1xx based wireless network, and interworking with a non-financial affiliate cache system. A communication channel is connected to the relay server 110 through any one of a Transmission Control Protocol / Internet Protocol (TCP / IP) based communication network or a dedicated communication network for card payment processing of an affiliated merchant, and the affiliated store terminal 125 Real account (or virtual account using the real account as the parent account) in the name of the customer whose card corresponding to the card information included in the full payment approval request received from The payment approval request is transmitted, including one or more of the card information, the payment amount information, the affiliated store number information, and the affiliate code information. It is characterized by relaying the information to the relay server 110.

In accordance with an embodiment of the present invention, if the merchant terminal 125 generates and transmits a payment approval request message with the encryption key of the bansa, the bansa server 100 receives the payment approval request message encrypted with the encryption key of the bansa, It is preferable to decrypt the received payment approval request text with a Bansa decryption key.

When the payment approval request message is received from the affiliated store terminal 125, the bansa server 100 stores the real account (or the real account) of the customer's name in which the card information included in the payment approval request message is opened in the financial sector. And a check card associated with the cache account of the customer name provided in the affiliate's own cache system.

If the card corresponding to the card information included in the full payment approval request is linked to a real account (or a virtual account having the real account as the parent account) of a customer name opened in a financial institution, the affiliated cash system provided in the partner's own system When the check card associated with the cash account of the customer name is confirmed, the bansa server 100 relays the payment approval request information transmitted including one or more of the card information, the payment amount information, the merchant number information, and the affiliate code information. It characterized in that the relay transmission to the server (110).

The financial company server 115 is a server provided to a financial company that operates a real account (or a virtual account having the real account as a parent account) associated with the card information, and the card information and payment amount information from the relay server 110. When payment approval request information including affiliate store number information is received, the real account (or virtual account having the real account as the parent account) associated with the card information is checked and the confirmed real account (or the real account) It is characterized by comparing the balance of the virtual account to the parent account and the payment amount information to determine whether to approve the payment amount.

When payment approval for the payment amount is processed, the financial institution server 115 may generate payment processing details (or payment approval result information including payment processing details) and transmit them to the relay server 110. .

If the person having ordinary knowledge in the technical field to which the present invention belongs, the financial company server 115 approves the payment amount through a real account (or a virtual account having the real account as the parent account) associated with the card information. Since you will be familiar with the technical features to be processed, a more detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the financial institution server 115 (or any one of the financial institution servers 115 provided in different financial institutions) opens and manages a fund management account for managing a cache account of the affiliate's own cache system. Preferably, the amount approved for payment through the amount corresponding to the cache deposited in the cash account is preferably settled through the money management account to the affiliated store corresponding to the partner.

The relay server 110 receives payment approval request information including card information, payment amount information, affiliate store number information, and affiliate code information from the bansa server 100, and the affiliate store corresponding to the affiliate code information stores the card. After confirming that the payment approval target through the cache account associated with the information, and confirming that the merchant is the payment approval target through the cache account, the cache account information associated with the card information from the cache account D / B 1965 is checked. And transmitting payment approval request information including one or more of the identified cache account information, payment amount information, affiliated store number information, and affiliate code information to the affiliate company's own cache system.

According to another exemplary embodiment of the present invention, the relay server 110 receives payment approval request information including card information, payment amount information, affiliate store number information, and affiliate code information from the bansa server 100, and the server And transmitting payment approval request information including card information, payment amount information, affiliated store number information, and affiliate code information to the affiliated company's own cache system.

According to the present invention, the cache account operating server 120 is stored in the cache account D / B (1965) for storing the cache account information, the cache account balance and the cache account transaction details of the customer name provided in the affiliate's own cache system Storing the card information associated with the real account of the customer's name (or a virtual account having the real account as the parent account) and one or more affiliate code information to be processed through a cache account associated with the card information. It is characterized by.

According to an embodiment of the present invention, the cache account balance stored in the cache account D / B 1965 is synchronized with the cache account balance stored in the payment management D / B through the relay server 110 shown in FIG. It is preferable to be.

According to the present invention, the cache account operating server 120 to the customer (or card information, or cache account information of the customer name) and the customer (or card information, or cache account) through the affiliate's own cache system Value management D / B that stores the provided value information (eg, discount coupon information, point information, prize information) and value provider information that provides the value information to the customer (or card information or cash account). (1970) or via a communication network, characterized in that the customer information (or card information, or the cash account information of the customer name), the value provider information and value information through the partner's own cache system It can be omitted if it is checked in real time.

According to an embodiment of the present invention, the value information is preferably synchronized with the value information stored in the value information D / B through the relay server 110 shown in FIG.

Referring to FIG. 19, the cache account operating server 120 may include an interface unit 1900 for connecting and managing a communication channel with the relay server 110 through a communication network, and in conjunction with the interface unit 1900. An information receiving unit 1905 (or information receiving means) for receiving payment approval request information through a communication channel, and checking the cache account information associated with the card information from the cache account D / B 1965, and the cache account; And a payment approval processing unit 1935 (or payment approval processing means) for approving the payment for the payment amount by comparing the amount corresponding to the cache deposited with the payment amount with the payment amount. And an information confirmation unit 1915 (or information confirmation means) for confirming whether an affiliate store corresponding to the affiliated code information in connection with the D / B 1965 is subject to payment approval through the cache account. Characterized in that eojineun.

According to the present invention, when the cache account balance is changed through payment approval through an amount corresponding to a cache deposited in the cache account, the cache account operating server 120 may change the balance of the cache account D / B 1965. And a synchronization processing unit 1960 (or a synchronization processing unit) for synchronizing the cache account balance and the cache account balance stored in the payment management D / B of the relay server 110.

In addition, the cache account operation server 120, the value verification unit for verifying the value information available through the partner of the value information provided to the customer (or card information, or cache account) through the affiliate's own cache system (1920) (or value checking means) and a value applying unit (1925) (or value applying means) for subtracting the amount corresponding to the identified value information from the payment amount if the value information is confirmed, Characterized in that made.

In addition, the cache account operating server 120, characterized in that further comprises a currency exchange processing unit 1930 (or currency exchange processing means) for converting the payment amount in the cache unit of the partner's own cache system.

The interface unit 1900 connects a communication channel for transmitting and receiving payment related information with the relay server 110 through a communication protocol corresponding to a communication network connecting the cache account operating server 120 and the relay server 110. And maintaining and managing the communication channel until the information transmission and reception is completed.

When the relay server 110 to which the communication channel is connected generates payment approval request information including one or more cache account information, payment amount information, affiliate store number information, and affiliate code information, and transmits it through a communication network, the information receiver 1905. In response to the interface unit 1900, characterized in that for receiving the payment approval request information from the relay server 110.

Alternatively, when the relay server 110 to which the communication channel is connected generates payment approval request information including one or more card information, payment amount information, affiliated store number information, and affiliate code information, and transmits it through a communication network, the information receiving unit 1905 ) Is characterized in that for receiving the payment approval request information from the relay server 110 in association with the interface unit 1900.

According to another exemplary embodiment of the present invention, when the payment approval request information including at least one of the card information, the payment amount information, the affiliated store number information, and the affiliate code information is transmitted from the bansa server 100 shown in FIG. The information receiving unit 1905 may receive the payment approval request information from the bansa server 100 in association with the interface unit 1900, and the present invention is not limited thereto.

When the payment approval request information is received, the information checking unit 1915 compares the affiliate code information included in the payment approval request information with the affiliate code information stored in the cache account D / B 1965 and the affiliate code information. It is preferable to check whether the merchant corresponding to the payment approval target through the cash account.

If the payment approval request information includes card information, the information checking unit 1915 compares the card information included in the payment approval request information with the card information stored in the cache account D / B 1965 and the affiliated party. Preferably, the merchant corresponding to the code information further includes checking whether the payment is approved through the cache account.

Alternatively, when the card information is included in the payment approval request information and the card information includes the exclusive BIN information, the information checking unit 1915 reads the BIN information of the card information included in the payment approval request information. It is preferable that the affiliated store corresponding to the affiliated code information further comprises checking whether the payment approval target through the cache account.

The value verification unit 1920 is linked to the value management D / B (1970) card information included in the payment approval request information, or the cash account information, or the value provider information and value information associated with the customer information By confirming, the value information available to the customer (or card information, or cache account) provided to the customer (or the card information, or the cache account) through the affiliate's own cache system, characterized in that the value information available through the affiliate.

When the value information available through the affiliate is confirmed among the value information provided to the customer (or the card information or the cash account), the value applying unit 1925 checks the amount corresponding to the identified value information (or Calculating) and subtracting an amount corresponding to the identified value information from the settlement amount.

In the partner's own cache system, a payment approval process is performed using the cache deposited in the cache account as it is, but when the payment amount included in the payment approval request information is not exchanged in the cache unit of the partner's own cache system, the exchange unit In operation 1930, the payment amount (or the payment amount deducting the amount corresponding to the value information) is exchanged in a cache unit of the affiliate's own cache system.

If the payment amount in the bansa server 100 shown in FIG. 4 or the relay server 110 shown in FIG. 8 is exchanged in the cache unit, or deposited in the cache account in the affiliate's own cache system. When the cash value is exchanged in units of money, and the payment amount (or a settlement amount deducted from the amount corresponding to the value information) is settled, the currency exchange unit 1930 may be omitted, and the present invention is not limited thereto. .

The payment approval processing unit 1935 checks the cache account balance corresponding to the cache account information associated with the card information from the cache account D / B 1965, and compares the confirmed cash account balance with the payment amount information. To process the payment approval through the amount corresponding to the cache deposited in the cache account.

According to an embodiment of the present invention, the payment approval processing unit 1935 checks the cache deposited in the cache account corresponding to the cache account information associated with the card information from the cache account D / B 1965, and the cache By comparing the payment amount information exchanged by the unit and the cash balance, it is preferable to process the payment authorization through the amount corresponding to the cache deposited in the cash account.

According to another exemplary embodiment of the present invention, the payment approval processing unit 1935 checks the cache deposited in the cache account corresponding to the cache account information associated with the card information from the cache account D / B 1965, and It is preferable to process the payment authorization through the amount corresponding to the cash deposited in the cash account by converting the cash to the amount of real currency and comparing the exchanged cash balance with the payment amount information. .

According to another exemplary embodiment of the present invention, when the payment approval processing unit 1935 processes the payment approval for the payment amount through the cash account balance, when the payment error due to insufficient cache account balance occurs, the payment is made. The approval processing unit 1935 may partially approve the payment amount within the cash account balance limit.

When the payment approval through the cash account balance is processed by the payment approval processing unit 1935, the synchronization processing unit 1960 periodically (or in real time) the cash account balance of the cache account D / B 1965 and the relay. It is characterized in that the cache account balance provided in the payment management D / B of the server 110 to synchronize.

Referring to FIG. 19, when the payment approval through the cash account balance is processed by the payment approval processing unit 1935, the cache account operation server 120 receives payment approval information or a payment error through the cache account balance. A generation generating unit 1940 (or details generating means) for generating a payment processing history including any one of the information, and generating information for generating payment approval result information by including the payment processing details according to a predetermined information structure; 1955 (or information generating means) and an information transmitting unit 1910 (or information transmitting means) for transmitting the generated payment processing history or payment approval result information to the relay server 110. When the payment processing history is generated by the history generation unit 1940, the payment processing history is read and the payment of the payment amount is approved through the cash balance. Payment approval confirmation unit (1950) (or payment approval confirmation means) for confirming the wealth, and when the payment approval confirmation, by processing the payment processing history as the cash account transaction history of the cash account D / B (1965) It is characterized by comprising a history storage unit 1945 (or history storage means) for storing in the transaction history.

In addition, the cache account management server 120, when confirming payment approval through the cache account of the partner's own cache system, to the financial company server 115 that manages the fund management account for managing the cache account for the cache account It further comprises a synchronization processing unit 1960 (or a synchronization processing means) for providing a payment processing history to synchronize the transaction history of the funds management account and the payment processing history (or cache account transaction history) for the cash account. It is done.

When the payment approval through the cache account balance is processed by the payment approval processing unit 1935, the history generation unit 1940 may include payment approval information or payment error information through the cache account balance. Characterized in that the processing history.

When the payment processing details are generated, the information generation unit 1955 includes the payment processing details according to a preset information structure to generate payment approval result information.

According to an embodiment of the present invention, the information transmitter 1910 preferably transmits the generated payment processing details to the relay server 110.

According to another exemplary embodiment of the present invention, the information transmitting unit 1910 preferably transmits the generated payment approval result information to the relay server 110.

When the payment approval through the cash account balance is processed by the payment approval processing unit 1935, or a payment processing history is generated, the payment approval confirmation unit 1950 determines the payment processing result through the cash account or the payment. It is characterized by checking whether the payment is approved for the payment amount through the cash balance by reading the processing history.

If the payment approval of the payment amount is confirmed through the cash balance, the history storage unit 1945 processes the payment processing history as the cash account transaction history and transmits it to the cash account D / B 1965. It is characterized by storing.

According to an embodiment of the present invention, the history storage unit 1945 includes at least one of the affiliate store number information, the affiliate code information, and the offline affiliated store payment flag in the payment processing history of the cache account D / B 1965. It is preferable to store in the cash account transaction history, whereby the cache account transaction history corresponding to the payment processing history can be confirmed that the payment processing history through the offline affiliated merchant in addition to the cache transaction in the affiliate's own cache system. .

The synchronization processing unit 1960 provides the payment processing details (or cache account transaction details) for the cache account to the financial institution server 115 that manages a fund management account corresponding to the cache account of the affiliate company's own cache system. It is characterized in that the transaction history (for example, withdrawal transaction history) of the funds management account and the payment processing history (or cash account transaction history) for the cache account is synchronized, whereby the amount approved for payment through the cash account It is settled at the affiliated store corresponding to the partner.

According to an embodiment of the present invention, the synchronization processing unit 1960 includes one or more of the number information, affiliate code information, and offline affiliated merchant payment flag among a plurality of cache account transactions stored in the cache account D / B 1965. It is preferable to check the cash account transaction history corresponding to the payment processing history for the offline affiliated merchant.

When the cash account transaction history corresponding to the payment processing history for the offline affiliated merchant is confirmed, the synchronization processor 1960 makes a payment for the cache account to the financial company server 115 that manages a fund management account corresponding to the cache account. Provide the transaction details (or cash account transaction details), and in response, the financial institution server 115 withdraws the amount corresponding to the payment processing details (or cash account transaction details) from the funds deposited in the fund management account; By transferring (or depositing) to the affiliated store corresponding to the affiliated party, it is preferable to synchronize the cash account transaction history and the fund management account transaction history.

Thereafter, the financial institution server 115 generates and transmits transaction history synchronization information corresponding to a synchronization result of the cash account transaction history and the fund management account transaction history, and in response, the synchronization processor 1960 sets the financial company server. Receiving the transaction history synchronization information from the 115, and by adding (or including) the received transaction history synchronization information to the cache account transaction history, thereby synchronizing the funds management account transaction history and the cash account transaction history It is desirable to.

According to an embodiment of the present invention, when the cache account balance information is stored in the cash watch account information provided in the payment management D / B shown in FIG. 8, the synchronization processor 1960 may execute the cache account D / B 1965. Synchronize the change of the cache account balance of the cash management balance of the payment management D / B through the relay server 110, or the change of the cache account balance of the payment management D / B to the cache account D / B (1965) It is desirable to process the synchronization.

According to an embodiment of the present invention, the value information (eg, discount coupon information, point information, and prize information) provided to the customer (or card information or cash account) is stored in the value information D / B shown in FIG. In this case, the synchronization processor 1960 synchronizes the value change of the value operation D / B 1970 to the value information D / B through the relay server 110, or the value of the value information D / B. It is desirable to synchronize the changes to the value operation D / B 1970.

20 is a diagram illustrating a cash account balance check process for affiliated merchant payment processing according to an embodiment of the present invention.

In more detail, in FIG. 20, in the relay server 110 shown in FIG. 8, the cash account information, the payment amount information, the merchant number information, and the affiliated party through the process shown in FIGS. 9A and 9B or 12A and 12B are shown. When the payment approval request information including one or more code information is transmitted, the cache account operating server 120 illustrated in FIG. 19 relates to a process for checking the balance of the cash account for the affiliated store payment processing through the cache account. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps may be performed) for the process of checking the balance of the cash account for the affiliated merchant payment processing by referring to and / or modifying the drawing 20. May be inferred or changed in order, but the present invention includes all implementation methods inferred from the above. However, the technical features are not limited only to the implementation method illustrated in FIG. 20.

For example, the process shown in FIG. 20 includes a process of confirming whether the affiliate is a payment approval target through the cache account, a process of exchanging a payment amount included in the payment approval request information in the cache unit, and the payment amount Although it includes the process of applying the value information in the illustrated, the payment approval target confirmation process, currency exchange process, the value application process may be omitted according to the intention of those skilled in the art, thereby making it clear that the present invention is not limited. .

In the following figure 20, the cache account operating server 120 shown in the figure 19 will be referred to as "server" for convenience.

Referring to FIG. 20, in the relay server 110 shown in FIG. 8, through the process shown in FIGS. 9A and 9B or 12A and 12B, the cash account information, payment amount information, merchant number information, and affiliate code When the payment approval request information including one or more information is transmitted, the server receives payment approval request information including one or more of the cache account information, payment amount information, affiliated store number information, and affiliate code information from the relay server 110. Receive (2000), the affiliated account corresponding to the partner code information included in the payment authorization request information in connection with the cache account D / B (1965) to check whether the payment authorization through the cache account associated with the card information (2005).

According to an embodiment of the present invention, the server compares the affiliate code information included in the payment approval request information with the affiliate code information stored in the cache account D / B 1965, and the affiliated store corresponding to the affiliate code information is configured to be configured. It is desirable to check whether the payment is approved through the cash account.

If the affiliated store is not identified as a payment approval target through a cash account associated with the card information (2010), the server generates a payment processing history including payment error information for the payment approval request information (2015). After generating payment approval result information including the payment processing details (2020), the generated payment approval result information is transmitted to the relay server 110 (2025).

On the other hand, if the affiliated store is identified as the target of payment approval through a cash account associated with the card information (2010), the server is linked to the value management D / B 1970 to the customer (or card) through the own cache system Information value, or value information provided to the cache account, is checked for value information available through the affiliate (2030).

According to an exemplary embodiment of the present invention, the relay server 110 may be connected to the value information D / B, the cash account information included in the payment approval request information, or the value provider information and value associated with the customer information. By confirming the information, it is preferable to check the value information available through the affiliate among the value information provided to the customer (or the card information or the cache account) through the non-financial affiliate's own cache system.

If value information available through the affiliate of the value information provided to the customer (or the card information or the cash account) is confirmed (2035), the server checks (or calculates) the amount corresponding to the confirmed value information. And subtracts an amount corresponding to the identified value information from the payment amount (2040).

When the amount corresponding to the value information is subtracted from the payment amount through the relay server 110 according to another exemplary embodiment of the present invention, the process of subtracting the amount corresponding to the value information from the payment amount may be omitted. If so, the present invention is not limited thereto.

On the other hand, if value information available through the affiliate is not confirmed (2035) among the value information provided to the customer (or the card information or the cash account), or the amount corresponding to the value information is subtracted from the payment amount ( 2040, the server, in connection with the cache account D / B (1965), the cash balance information corresponding to the cache account information to be compared with the payment amount (or payment amount is subtracted from the amount corresponding to the value information) Check (2045).

FIG. 21 is a diagram illustrating a cash account balance check process for affiliated merchant payment processing according to another embodiment of the present invention.

In more detail, in FIG. 21, in the relay server 110 shown in FIG. 8, the card information, payment amount information, merchant number information, and affiliate code are processed through the process shown in FIGS. 9A and 9B or FIGS. 12A and 12B. When the payment approval request information including one or more information is transmitted, the process of checking the cash balance for the affiliated merchant payment processing through the cache in the cache account operating server 120 shown in Figure 19, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 21 to implement various methods (e.g., some steps may be omitted) for the cash account balance check process for the affiliated merchant payment processing. May be inferred, but the present invention may include all implementation methods inferred from the above. Only the exemplary method shown in plane 21 is not limited its technical characteristics.

For example, the process shown in FIG. 21 includes a process of checking whether the merchant is subject to payment approval through the cache account, a process of exchanging the payment amount included in the payment approval request information in the cache unit, and the payment amount Although it includes the process of applying the value information in the illustrated, the payment approval target confirmation process, currency exchange process, the value application process may be omitted according to the intention of those skilled in the art, thereby making it clear that the present invention is not limited. .

In the following Figure 21, the cache account operating server 120 shown in Figure 19 is referred to as "server" for convenience.

Referring to FIG. 21, in the relay server 110 shown in FIG. 8, the card information, payment amount information, merchant number information, and affiliate code information are processed through the process shown in FIGS. 9a and 9b or 12a and 12b. When the payment approval request information including one or more is transmitted, the server receives payment approval request information including one or more of the card information, payment amount information, affiliated store number information, and affiliate code information from the relay server 110. In operation 2100, the affiliated party corresponding to the affiliated party code information included in the payment approval request information is linked to the cache account D / B 1965 to determine whether the payment is approved through the cache account associated with the card information (2105). ).

According to an embodiment of the present invention, the server compares the affiliate code information included in the payment approval request information with the affiliate code information stored in the cache account D / B 1965, and the affiliated store corresponding to the affiliate code information is configured to be configured. It is desirable to check whether the payment is approved through the cash account.

If the payment approval request information includes card information, the server compares the card information included in the payment approval request information with the card information stored in the cache account D / B 1965 to correspond to the partner code information. It is preferable that the affiliate store further comprises checking whether the payment is approved through the cash account.

Alternatively, when the payment approval request information includes card information and the card information includes exclusive BIN information, the server reads the BIN information of the card information included in the payment approval request information and writes the information to the partner code information. Preferably, the affiliated store further includes checking whether the payment is authorized through the cash account.

If the affiliated store is not confirmed as the payment approval target through the cash account associated with the card information (2110), the server generates a payment processing history including payment error information for the payment approval request information (2115). After generating payment approval result information including the payment processing details (2120), the generated payment approval result information is transmitted to the relay server 110 (2125).

On the other hand, if the affiliated store is confirmed as the payment approval target through the cache account associated with the card information (2110), the server checks the cache account information associated with the card information in association with the cache account D / B (1965) (2130).

In addition, the server checks the value information available through the partnership among the value information provided to the customer (or the card information or the cache account) through the own cache system in connection with the value operation D / B (1970). (2135).

According to an exemplary embodiment of the present invention, the relay server 110 may include card information included in the payment approval request information in connection with the value information D / B, or value provider information and value information associated with the customer information. By confirming, it is preferable to check the value information available through the affiliate of the value information provided to the customer (or card information, or cache account) through the non-financial affiliate's own cache system.

If value information available through the affiliate of the value information provided to the customer (or the card information or the cash account) is confirmed (2140), the server checks (or calculates) the amount corresponding to the confirmed value information. And subtracts an amount corresponding to the value information identified above from the settlement amount (2145).

When the amount corresponding to the value information is subtracted from the payment amount through the relay server 110 according to another exemplary embodiment of the present invention, the process of subtracting the amount corresponding to the value information from the payment amount may be omitted. If so, the present invention is not limited thereto.

On the other hand, if value information available through the affiliate is not confirmed (2140) of the value information provided to the customer (or the card information or the cash account), or the amount corresponding to the value information is subtracted from the payment amount ( 2145), the server associates with the cache account D / B 1965 to determine the cache account corresponding to the confirmed cache account information to be compared with the settlement amount (or the settlement amount deducting the amount corresponding to the value information). Check the balance information (2150).

FIG. 22 is a diagram illustrating a payment processing process of an affiliate affiliate store through a cash balance of a non-financial affiliate cash system according to an exemplary embodiment of the present invention.

In more detail, in FIG. 22, when the cash account balance to be compared with the payment amount included in the payment approval request information is confirmed through the process illustrated in FIG. 20 or 21, the cache account operation server shown in FIG. 19 ( In the process 120, the payment amount and the cash account balance are compared to the process of processing the payment amount requested from the affiliated merchant through the cash account balance, which has a general knowledge in the technical field to which the present invention belongs. In this case, various implementation methods (e.g., some steps may be omitted or the order may be changed) may be omitted and / or modified with reference to FIG. 22 and / or modified through the cash balance of the non-financial affiliate cash system. Method) can be inferred, but the present invention includes all the implementation methods inferred above, Only the exemplary method is not limited that the technical features.

For example, the process shown in FIG. 22 is a cache account balance managed by the cache account operating server 120 and a cache account balance process provided in the payment management D / B of the relay server 110 shown in FIG. Although illustrated as including, the synchronization process may be omitted according to the intention of those skilled in the art, whereby it is apparent that the present invention is not limited.

In the following figure 22, the cache account operating server 120 shown in FIG. 19 is referred to as " server " for convenience.

Referring to FIG. 22, when the cash account balance to be compared with the payment amount included in the payment approval request information is confirmed through the process illustrated in FIG. 20 or FIG. 21, the server checks the confirmed cash account balance and the payment. The amount of money is compared to determine whether the payment can be processed through the cash balance (2200).

If it is confirmed that payment approval for the payment amount is possible through the checked cash account balance (2205), the server generates a payment processing history including payment error information corresponding to the payment approval request information (2205); 2210). After generating payment approval result information including the payment processing details (2215), the generated payment approval result information is transmitted to the relay server 110 (2220).

On the other hand, if it is confirmed that payment approval for the payment amount is possible through the confirmed cash account balance (2205), the server may check the payment amount through the cache account balance stored in the cache account D / B 1965. Approving the payment (2225), generates a payment processing history including payment approval information for the payment amount (2230), and generates payment approval result information including the payment processing history (2215), The generated payment approval result information is transmitted to the relay server 110 (2220).

Thereafter, the server processes synchronization between the cache account balance of the payment approved cash account D / B 1965 and the cache account balance of payment management D / B of the relay server 110 shown in FIG. 8 ( 2235).

According to the method of the present invention, the relay server 110 shown in FIG. 8 transmits the payment approval result information including the payment processing history including the payment approval information to the bansa server 100 shown in FIG. In the case of transmission to the affiliated store terminal 125 shown in FIG. 2, the cache balance of the cache account D / B 1965 and the cache of the payment management D / B of the relay server 110 shown in FIG. Preferably, synchronization between account balances is handled.

If synchronization between the cash approved account balance of the payment approved cash account D / B (1965) and the cash balance of the payment management D / B of the relay server 110 shown in Figure 8 is processed (2240), The server processes the payment processing history as the cache account transaction history and stores the payment transaction details in the cache account transaction history of the cache account D / B 1965 (2245).

According to an embodiment of the present invention, the server includes at least one of the affiliate store number information, the affiliate code information, and the offline affiliated store payment flag in the payment processing history to the cache account transaction history of the cache account D / B 1965. Preferably, the cache account transaction details corresponding to the payment processing details may be confirmed to be payments processed through the offline affiliated affiliate store in addition to the cache transaction in the affiliate's own cache system.

FIG. 23 is a diagram illustrating a payment processing process of an affiliate affiliate store through a cash balance of a non-financial affiliate cash system according to another embodiment of the present invention.

More specifically, FIG. 23 shows a cache account operating server shown in FIG. 19 when the cash account balance to be compared with the payment amount included in the payment approval request information is confirmed through the process shown in FIG. 20 or 21. In step 120), the payment amount and the cash account balance are compared to the payment amount requested from the affiliated merchant through the cash account balance, and during the payment process, if a payment error occurs due to the lack of the cash account balance, The method further includes a process of partially approving the payment amount within the cash account balance limit, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to the non-financial affiliate by referring to and / or modifying the drawing 23. Various implementation methods (e.g., some steps may be omitted) for the affiliated merchant's payment processing process through the cache account balance of the cache system B, or a method of changing the order) may be inferred, but the present invention includes all the methods of inferring the above, and the technical features are not limited only to the method shown in FIG.

For example, the process shown in FIG. 23 is a cache account balance managed by the cache account operating server 120 and a cache account balance process provided in the payment management D / B of the relay server 110 shown in FIG. Although illustrated as including, the synchronization process may be omitted according to the intention of those skilled in the art, whereby it is apparent that the present invention is not limited.

In the following figure 23, the cache account operating server 120 shown in FIG. 19 is referred to as " server " for convenience.

Referring to FIG. 23, when the cash account balance to be compared with the payment amount included in the payment approval request information is confirmed through the process illustrated in FIG. 20 or FIG. 21, the server checks the checked cash account balance and the payment. The amount of money is compared to determine whether the payment amount can be processed through the cash balance (2300).

If it is not confirmed that payment approval for the payment amount is possible through the confirmed cash account balance (2305), the server calculates a partial approval target payment amount by subtracting the cash account balance from the payment amount (2310). ).

If the partial approval target payment amount is calculated (2315), the server approves the payment for the partial approval target payment amount through the cache account balance stored in the cache account D / B 1965 (2335). After generating (2340) a payment processing history including payment approval information for the payment amount, generating payment approval result information including the payment processing history (2325), and generating the payment approval result information. Transmission to the relay server 110 (2330).

If the partial approval target payment amount is not calculated (2315), the server generates a payment processing history including payment error information corresponding to the payment approval request information (2320). After generating payment approval result information including the payment processing details (2325), the generated payment approval result information is transmitted to the relay server 110 (2330).

On the other hand, if it is confirmed that payment approval for the payment amount is possible through the confirmed cash account balance (2305), the server may check for the payment amount through the cache account balance stored in the cache account D / B (1965). Approving the payment (2335), and generates a payment processing history including payment approval information for the payment amount (2340), after generating payment approval result information including the payment processing history (2325), The generated payment approval result information is transmitted to the relay server 110 (2330).

Thereafter, the server processes synchronization between the cache account balance of the payment approved cash account D / B 1965 and the cache account balance of payment management D / B of the relay server 110 shown in FIG. 8 ( 2345).

According to the method of the present invention, the relay server 110 shown in FIG. 8 transmits the payment approval result information including the payment processing history including the payment approval information to the bansa server 100 shown in FIG. In the case of transmission to the affiliated store terminal 125 shown in FIG. 2, the cache balance of the cache account D / B 1965 and the cache of the payment management D / B of the relay server 110 shown in FIG. Preferably, synchronization between account balances is handled.

If the synchronization between the cache account balance of the payment approved cash account D / B (1965) and the cash balance of the payment management D / B of the relay server 110 shown in Figure 8 is processed (2350), The server processes the payment processing history as the cash account transaction history and stores the payment processing history in the cache account transaction history of the cache account D / B 1965 (2355).

According to an embodiment of the present invention, the server includes at least one of the affiliate store number information, the affiliate code information, and the offline affiliated store payment flag in the payment processing history to the cache account transaction history of the cache account D / B 1965. Preferably, the cache account transaction details corresponding to the payment processing details may be confirmed to be payments processed through the offline affiliated affiliate store in addition to the cache transaction in the affiliate's own cache system.

24 is a diagram illustrating a process of synchronizing a cash account transaction history corresponding to a payment processing history of an affiliated affiliate with a money management account according to an embodiment of the present invention.

In more detail, FIG. 24 illustrates that payment processing details of affiliated affiliates are processed as cash account transactions through the process illustrated in FIG. 22 or 23 and stored in the cache account D / B 1965. It is a process for synchronizing the transaction history of the cash account and the transaction history of the cash management account through the financial company server 115 that manages the fund management account corresponding to the cache account in the illustrated cache account management server 120 For those of ordinary skill in the art to which the present invention pertains, a process of synchronizing the cash account transaction details corresponding to the payment processing details of the affiliated merchants with reference to and / or modifying the drawing 24 is synchronized with the fund management account. Various implementations may be inferred (e.g., implementations where some steps have been omitted or reordered), but the present invention is directed to Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 24.

In the following Figure 24, the cache account operating server 120 shown in Figure 19 is referred to as "server" for convenience.

Referring to FIG. 24, after the payment processing history of the affiliated merchant is processed as the cash account transaction history and stored in the cache account D / B 1965 through the process illustrated in FIG. 22 or 23, the server stores the cache. Among the plurality of cache account transactions stored in the account D / B 1965, the cache account transaction history corresponding to the payment processing history of the affiliated merchant that has been approved for payment through the process shown in FIG. 22 or 23 is checked ( 2400).

According to the method of the present invention, the cash account transaction history corresponding to the payment processing history of the affiliated merchant, the affiliated merchant's payment processing history of the merchant number information, affiliate code information, offline affiliated merchant payment flag is added one or more. Preferably, the server comprises a cache account transaction including one or more of the blind spot number information, affiliate code information, offline affiliated merchant payment flag among a plurality of cache account transactions stored in the cache account D / B (1965) It is advisable to check the details.

If the cash account transaction history corresponding to the payment processing history of the affiliated merchant is confirmed (2405), the server manages the funds management account corresponding to the cache account the cash account transaction history of the financial company 115 In response thereto, the financial institution server 115 withdraws the amount corresponding to the cash account transaction history from the funds deposited in the fund management account (eg, merchant account information). In step 2415, the transaction is transferred (or deposited) to the merchant account identified from the merchant number information corresponding to the merchant account, or the merchant account identified through the merchant number information associated with the merchant account number.

If the cash account transaction history and the fund management account transaction history are synchronized (2420), the financial institution server 115 generates and transmits transaction history synchronization information corresponding to the cash account transaction history to the server (2425). The server includes the transaction history synchronization information in the cache account transaction history and stores the transaction account synchronization information in the cache account D / B 1965 (2430), whereby the cash account transaction history and the funds corresponding to the settlement processing of the affiliated affiliated store are performed. Synchronize transaction history of operating account.

According to the present invention, after the cash account provided in the non-financial partner's own cache system is multi-linked with a card linked to a real account (or a virtual account having the real account as the parent account) of a client's name opened at a financial company, When a customer requests a card payment using the card at an affiliated merchant corresponding to an affiliated partner corresponding to the non-financial affiliate affiliated with the non-financial affiliate among the offline affiliated stores, the card is deposited in the cache account of the customer's name. By the payment process through, there is an advantage of extending the use of the non-financial partner's own cache system.

According to the present invention, the payment is made by using the cache account of the own cache system by interlocking the offline affiliated merchant and the own cache system to process the card payment of the offline affiliate store through the cache deposited in the cache account. This has the advantage.

According to the present invention, since the non-financial partner's own cache system is activated through the offline affiliated payment, the use rate of internal transactions for processing payment through the non-financial partner's own cache system is improved without any additional fee. have.

Claims (23)

In the payment processing method of an offline affiliated merchant through a cache of a non-financial affiliate that has its own cash system that operates a cash account under a customer's name, By linking card information associated with a real account of a client's name (or a virtual account having the real account as a parent account), cache account information of the client's name and one or more affiliate code information included in the non-financial partner's own cache system; Storing in a storage medium; Receiving payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from an affiliated store terminal provided at the affiliated affiliate store; Confirming whether an affiliate store corresponding to the affiliate code information in connection with the storage medium is subject to payment approval through a cache account associated with the card information; And When the affiliated store is identified as the target of payment approval through the cache account, the cache medium checks the cache account information associated with the card information, and at least one of the cache account information, the payment amount information, the affiliate store number information, and the affiliate code. And transmitting the payment approval request information, including the payment approval request information, to the non-financial partner's own cache system so that payment can be approved through an amount corresponding to the cache deposited in the cache account. How to process affiliate merchant payments through a cache. In the payment processing method of an offline affiliated merchant through a cache of a non-financial affiliate that has its own cash system that operates a cash account under a customer's name, Card information associated with a real account in a customer's name (or a virtual account with the real account as a parent account), cache account information and cash balance balance information for the customer's name in the non-financial partner's own cache system, and one or more affiliates Storing code information in association with code information; Receiving payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from an affiliated store terminal provided at the affiliated affiliate store; Confirming whether an affiliate store corresponding to the affiliate code information in connection with the storage medium is subject to payment approval through a cache account associated with the card information; When the affiliated store is identified as the payment approval target through the cache account, the cache medium checks the cache account information associated with the card information from the storage medium, and compares the cache account balance for the cache account with the payment amount information. Processing the payment to be approved through an amount corresponding to the cache deposited in the account; And And synchronizing the cache account balance of the storage medium with the cache account balance of the non-financial affiliate's own cache system. 2. The method according to claim 1 or 2, And confirming whether the card information is linked to the cash account information of the customer's name provided in the non-financial partner's own cache system in association with the storage medium. How to process affiliate merchant payments. The method according to claim 1 or 2, If the affiliated store is not confirmed to be authorized for payment through the cash account, Payment authorization request information including the card information, payment amount information, and merchant number information is transmitted to a payment server corresponding to the card information, and the amount deposited in the real account (or a virtual account having the real account as a parent account). Processing the payment to be approved through; Affiliate merchant payment processing method through a non-financial affiliate cache, characterized in that further comprises. The method according to claim 1 or 2, If the affiliated store is confirmed as the target of payment approval through the cash account, Identifying value information available through the affiliate from among value information provided to the customer (or card information or cache account) through the non-financial affiliate's own cache system; And If the value information is confirmed, subtracting the amount corresponding to the confirmed value information from the payment amount; affiliated merchant payment processing method through the non-financial affiliates cache further comprises. The method according to claim 1 or 2, If the affiliated store is confirmed as the target of payment approval through the cash account, And converting the payment amount into a cash unit of the non-financial affiliate's own cache system. The method of claim 1, Receiving payment approval result information including payment processing details of the payment amount through the amount corresponding to the cache deposited in the cache account associated with the card information from the non-financial partner's own cache system; And And processing the payment approval result to be transmitted to the affiliated store terminal. The affiliated store payment processing method through a non-financial affiliate cache. The method according to claim 1 or 2, Confirming a payment amount (1) of the payment amount that has been partially paid through the amount corresponding to the cache deposited in the cash account; Calculating (or confirming) a payment amount (2) by subtracting the partial payment approved payment amount (1) from the payment amount; And The amount of money deposited in the real account (or virtual account using the real account as the parent account) by transmitting the payment approval request information including the card information, payment amount information (2) and merchant number information to the payment server for the card. Processing to be approved for payment through; Affiliate merchant payment processing method through a non-financial affiliate cache, characterized in that further comprises. The method of claim 8, Payment approval result including the payment processing details (2) of the payment amount (2) through the amount deposited from the payment server to the real account (or virtual account having the real account as the parent account) associated with the card information Receiving information; And Reading payment processing details (2) to confirm payment approval information of the payment amount (2) through an amount deposited in the real account (or a virtual account having the real account as a parent account); When the payment authorization of the payment amount 2 is confirmed, the payment processing details 1 of the payment amount 1 and the real account (or the amount corresponding to the cache deposited in the cache account associated with the card information) Generating a payment processing history including the payment processing details (2) of the payment amount (2) through the amount deposited in the virtual account of the real account as a parent account; Affiliate merchant payment processing through the cash affiliates of financial institutions. The method according to claim 1 or 2, Confirming payment approval information for the payment amount by reading the payment processing history through the cache account; When the payment approval is confirmed, the payment processing history for the cash account is provided to the financial company server managing the cash management account managing the cash account, thereby synchronizing the transaction history of the cash management account with the payment processing history for the cash account. Affiliate merchant payment processing method through a non-financial affiliates cache, characterized in that further comprises a. The method of claim 1 or 2, wherein the card information, Affiliate merchant payment through a non-financial partner's cache, characterized in that it comprises a dedicated BIN (Bank Identification Number) information for confirming that the non-financial partner's own cash system associated with the cash account information of the customer name; Treatment method. The method according to claim 1 or 2, And reading the BIN information of the card information to determine whether the card information is linked to the cash account information of the customer's name provided in the non-financial partner's own cache system. How to process affiliate merchant payments through a cache. A computer-readable recording medium having recorded thereon a program for executing the method of claim 2. In the payment processing system of an offline affiliated merchant through a cache of a non-financial affiliate that has its own cash system that operates a cash account under a customer's name, By linking card information associated with a real account of a client's name (or a virtual account having the real account as a parent account), cache account information of the client's name and one or more affiliate code information included in the non-financial partner's own cache system; A storage medium for storing; Information receiving means for receiving payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from the affiliated store terminal provided in the affiliated store; Information checking means for confirming whether a merchant corresponding to the affiliate code information in association with the storage medium is subject to payment approval through a cache account associated with the card information; And When the affiliated store is identified as the target of payment approval through the cache account, the cache medium checks the cache account information associated with the card information, and at least one of the cache account information, the payment amount information, the affiliate store number information, and the affiliate code. The payment approval request information is transmitted to the non-financial partner's own cache system so that payment is approved through an amount corresponding to the cache deposited in the cache account, and the merchant confirms the payment approval through the cache account. If not, the payment approval request information including the card information, payment amount information and merchant number information is transmitted to the payment server corresponding to the card information and deposited in the real account (or a virtual account having the real account as the parent account). And a relay transmission means for processing the payment to be approved through the received amount. The blind-spot payment processing system through a partnership of non-financial affiliates cache comprising lose. In the payment processing system of offline affiliated merchants through the cache of non-financial affiliates with their own cash system that operates a cash account of the customer's name, Card information associated with a real account in a customer's name (or a virtual account with the real account as a parent account), cache account information and cash balance balance information for the customer's name in the non-financial partner's own cache system, and one or more affiliates A storage medium for storing code information in association; Information receiving means for receiving payment approval request information including one or more card information, payment amount information, affiliate store number information, and affiliate code information from the affiliated store terminal provided in the affiliated store; Information checking means for confirming whether a merchant corresponding to the affiliate code information in association with the storage medium is subject to payment approval through a cache account associated with the card information; When the affiliated store is identified as the payment approval target through the cache account, the cache medium checks the cache account information associated with the card information from the storage medium, and compares the cache account balance for the cache account with the payment amount information. Payment approval confirmation means for confirming payment approval through an amount corresponding to the cache deposited in the account; And And synchronization processing means for synchronizing the cache account balance of the storage medium with the cache account balance of the non-banking affiliate's own cache system. The method of claim 15, If the affiliated store is not identified as a payment approval target through the cache account, the payment approval request information including the card information, payment amount information, and merchant number information is transmitted to the payment server corresponding to the card information to the real account ( Or a relay transmission means for processing the payment to be approved through an amount deposited in the virtual account of the real account as a parent account. The method according to claim 14 to 15, wherein the information checking means, Further comprising checking whether the card information is linked to the cash account information of the customer name provided in the non-financial partner's own cache system in association with the storage medium. Merchant payment processing system. The method according to claim 14, wherein If the affiliated store is confirmed as the target of payment approval through the cash account, Value verification means for verifying value information available through the affiliate among the value information provided to the customer (or card information or cache account) through the non-financial affiliate's own cache system; And And the value application means for subtracting an amount corresponding to the identified value information from the payment amount when the value information is confirmed. The affiliated merchant payment processing system through a non-financial affiliate cache. The method according to claim 14, wherein If the affiliated store is confirmed as the target of payment approval through the cash account, And a currency exchange processing means for converting the payment amount into a cash unit of the non-financial partner's own cache system. The method according to claim 14, wherein Relay receiving means for receiving payment approval result information including payment processing details of the payment amount through the amount corresponding to the cache deposited in the cache account associated with the card information from the non-financial partner's own cache system; And The affiliated merchant payment processing system through the non-financial affiliates cache, characterized in that further comprising an information transmission means for transmitting the payment approval result information to the bansa server. The method according to claim 14, wherein Partial approval confirmation means for confirming a payment amount (1) of the partial payment of the payment amount through an amount corresponding to the cache deposited in the cash account; And an amount calculation means for calculating (or confirming) a payment amount 2 subtracting the partial payment approved payment amount 1 from the payment amount. The relay transmission means, The amount of money deposited in the real account (or virtual account using the real account as the parent account) by transmitting the payment approval request information including the card information, payment amount information (2) and merchant number information to the payment server for the card. Affiliate merchant payment processing system through a non-financial affiliate cash cache, characterized in that the processing to be approved through. The method of claim 21, Payment approval result including payment processing details (2) of the payment amount (2) through the amount deposited from the payment server to the real account (or virtual account having the real account as the parent account) associated with the card information Relay receiving means for receiving information; And Payment approval confirmation means for reading the payment processing details (2) and confirming payment approval information of the payment amount (2) through an amount deposited in the real account (or a virtual account having the real account as a parent account); When the payment authorization of the payment amount 2 is confirmed, the payment processing details 1 of the payment amount 1 and the real account (or the amount corresponding to the cache deposited in the cache account associated with the card information) History generation means for generating a payment processing history including a payment processing history (2) of the payment amount (2) through the amount deposited in the virtual account (the parent account as the parent account); And information generating means for generating payment approval result information by including the payment processing details according to a predetermined information structure. The affiliated merchant payment processing system through a non-financial affiliate cache. The method according to claim 14, wherein When the payment approval is confirmed through the cash account of the non-financial partner's own cache system, the transaction of the cash management account is provided to the financial company server managing the cash management account managing the cash account by providing the payment processing details for the cash account. Synchronization processing means for synchronizing the details and payment processing history for the cache account; affiliated merchant payment processing system through the non-financial affiliates cache, characterized in that further comprises.

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