KR20100001894A - Method for providing message text and recording medium - Google Patents

Abstract

PURPOSE: A method for providing a message slip and a recording medium therefor are provided to perform card payment without a printing device for printing a receipt in VoIP for a member store. CONSTITUTION: Effective customer wireless terminal information is received from a VoIP terminal(900). A VAN(Value Added Network) company server generates a payment history access code about a payment processing history(905). The VAN company server connects the received effective customer wireless terminal information with the payment history access code and stores it(910). The VAN company server transmits a payment authentication message to the customer wireless terminal through a communication network to which a customer wireless terminal is connected(925).

Description

Method for Providing Message Slip and Recording Media for It {Method for Providing Message Text and Recording Medium}

1 is a diagram illustrating a functional configuration of a VoIP terminal for a merchant having a message slip processing function according to an embodiment of the present invention.

2 is a diagram illustrating a card payment system configuration for processing a message slip for a VoIP terminal for an affiliated store according to an embodiment of the present invention.

3 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal for an affiliated store according to the first embodiment of the present invention.

4 is a diagram illustrating a payment approval process for processing a message slip for a VoIP terminal for an affiliated store according to a first embodiment of the present invention.

5 is a diagram illustrating a message slip processing process for processing a message slip for a VoIP terminal for an affiliated store according to the first embodiment of the present invention.

FIG. 6 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal for an affiliated store according to a second embodiment of the present invention.

7 is a diagram illustrating a payment approval process for processing a message slip for a VoIP terminal for an affiliated store according to the second embodiment of the present invention.

8 is a diagram illustrating a valid customer wireless terminal information confirmation process for processing a message slip for the VoIP terminal for the merchant in accordance with a second embodiment of the present invention.

9 is a diagram illustrating a payment approval message transmission process for processing a message slip for a VoIP terminal for an affiliated store according to the second embodiment of the present invention.

10 is a diagram illustrating a message slip processing process for processing a message slip for a VoIP terminal for an affiliated store according to the second embodiment of the present invention.

11 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal for an affiliated store according to a third embodiment of the present invention.

FIG. 12 is a diagram illustrating a payment approval process for processing a message slip for a VoIP terminal for an affiliated store according to a third embodiment of the present invention.

FIG. 13 is a diagram illustrating a payment approval message transmission process for processing a message slip for a VoIP terminal for an affiliated store according to a third embodiment of the present invention.

14 is a diagram illustrating a message slip processing process for processing a message slip for a VoIP terminal for an affiliated store according to the third embodiment of the present invention.

FIG. 15 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal for an affiliated store according to a fourth embodiment of the present invention.

FIG. 16 is a diagram illustrating a payment approval process for processing a message slip for a VoIP terminal for an affiliated store according to a fourth embodiment of the present invention.

FIG. 17 is a diagram illustrating a valid customer wireless terminal information checking process for message slip processing for an affiliated store's VoIP terminal according to a fourth embodiment of the present invention.

18 is a diagram illustrating a payment approval message transmission process for processing a message slip for a VoIP terminal for an affiliated store according to the fourth embodiment of the present invention.

19 is a diagram illustrating a message slip processing process for processing a message slip for a VoIP terminal for an affiliated store according to the fourth embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: sound processing unit

130: memory unit 135: communication processing unit

140: security application module 145: power supply

150: communication channel switching unit 153: information input unit

155: professional generation unit 157: professional transmission unit

160: professional receiving unit 163: professional processing unit

165: interface output unit 167: information confirmation unit

170: information transmitter 173: information generator

175: message generator 177: message transmitter

180: message slip generator 185: message slip transmission unit

190: VoIP Gateway 195: Bansa Server

197: Gatekeeper

The present invention provides a method for verifying valid customer wireless terminal information for a card payment customer, generating a payment history access code for the payment processing history, and verifying the payment history access code and the confirmed valid customer upon card payment approval. The present invention relates to a message slip providing method comprising the step of linking wireless terminal information to a server on a communication network having (or operating) a storage medium storing payment processing details for the card payment.

Due to the continuous development of information and communication technology, Voice over Internet Protocol (VoIP) service, which provides voice call service through a data communication network, has been commercialized. Recently, the VoIP terminal is distributed to an affiliated store after the card reader is mounted on the VoIP terminal. In addition to using as a VoIP phone for processing voice calls, a method for simultaneously using a payment terminal for card payment processing has been sought.

On the other hand, if the VoIP phone and the merchant VoIP terminal having a payment terminal function is manufactured in a handheld form, it is not a good idea to have a printing device for printing a receipt (or slip) on the VoIP terminal for the merchant. In addition, there is a problem that interferes with the voice call function of the VoIP phone.

An object of the present invention for solving the above problems, comprising the step of confirming the valid customer wireless terminal information for the card payment customer when the card payment approval through the VoIP terminal provided with a card reader, and in the card payment Generating a payment history access code for the payment processing history for the transaction; and generating a payment approval message including the payment history access code and using the verified valid customer wireless terminal information as a message receiving side, and confirming the payment through the VoIP network. Transmitting the verified valid customer wireless terminal information and payment history access code to a server on a communication network having (or operating) a storage medium storing payment processing details for the card payment. It is to provide a message slip providing method comprising the step.

In the message slip providing method according to the present invention, when the card payment is approved, confirming valid customer wireless terminal information for the card payment customer, generating a payment history access code for the payment processing history, and accessing the payment history And linking the code with the confirmed valid customer wireless terminal information to a server on a communication network having (or operating) a storage medium storing payment processing details for the card payment.

On the other hand, the message slip providing method according to the present invention, having a card reader and when the card payment approval through the VoIP terminal provided in the merchant, confirming the valid customer wireless terminal information for the card payment customer, and the card payment Generating a payment history access code for the payment processing history for the transaction; and generating a payment approval message including the payment history access code and using the verified valid customer wireless terminal information as a message receiving side, and confirming the payment through the VoIP network. Transmitting the verified valid customer wireless terminal information and payment history access code to a server on a communication network having (or operating) a storage medium storing payment processing details for the card payment. Characterized in that comprises a step.

On the other hand, the message slip providing method according to the present invention, having a card reader and when the card payment approval through the VoIP terminal provided in the merchant, confirming the valid customer wireless terminal information for the card payment customer, and the card payment Including a payment processing history for the message, generating a message slip having the confirmed valid customer wireless terminal information as a message receiving side, and transmitting the generated message slip to the valid customer wireless terminal through a VoIP network; Characterized in that made.

In the message slip providing method according to the present invention, the step of confirming valid customer wireless terminal information for the card payment customer, customer wireless terminal information (or blank wireless terminal information registered in association with the customer card information from the server on the communication network) Receiving a full payment approval result including a) and processing valid customer wireless terminal information for the customer wireless terminal information (or blank wireless terminal information). It features.

In the method of providing a message slip according to the present invention, the payment approval message may include payment processing details included in the full payment approval result or the payment history access code for the payment processing details. .

On the other hand, the message slip providing method according to the present invention, when the card payment approval, confirming the valid customer wireless terminal information for the card payment customer, and generates a payment history access code corresponding to the confirmed valid customer wireless terminal information And storing the valid customer wireless terminal information and the payment history access code in a storage medium in association with the payment processing history including the payment approved card information, payment amount information, and approval date and time information, and the payment history. And including an access code, generating a payment approval message using the confirmed valid customer wireless terminal information as a message receiving side, and processing the generated payment approval message to be transmitted to the valid customer wireless terminal. It is characterized by.

On the other hand, the message slip providing method according to the present invention, when the card payment approval, receiving a valid customer wireless terminal information and payment history access code for the customer from the terminal provided in the merchant, the payment card information and payment approved Storing the confirmed valid customer wireless terminal information and payment history access code in a storage medium in association with the payment processing history including the amount information and the approval date and time information, and including the payment history access code; And generating a payment approval message using the customer wireless terminal information as a message receiving side and processing the generated payment approval message to be transmitted to the valid customer wireless terminal.

The message slip providing method according to the present invention includes the steps of confirming customer wireless terminal information stored in the storage medium and the customer wireless terminal information when the payment approval result is transmitted to a terminal equipped with a blind spot, and the payment approval result is confirmed. And including the confirmed customer wireless terminal information in a preamble, and if the customer wireless terminal information is not confirmed, including the blank wireless terminal information in the payment approval result preamble and transmitting the information to the terminal. do.

The message slip providing method according to the present invention authenticates the payment history access code in connection with the storage medium when requesting a payment processing history through the payment history access code from a customer terminal-a customer wireless terminal or a customer wired terminal. In the step and the payment history access code authentication, generating a message slip including payment processing details including payment approved card information, payment amount information, and approval date and time information associated with the payment history access code to the customer terminal. Characterized in that it further comprises the step of.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the above-described message slip providing method is recorded.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for 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 diagram showing the functional configuration of a VoIP terminal 100 for a merchant having a message slip processing function according to an embodiment of the present invention.

In more detail, Figure 1 is a merchant terminal VoIP terminal 100 for processing a card payment generated in the merchant having a card reader in the VoIP terminal 100 for providing voice calls and data communication services through a wired (or wireless) communication network ), Confirming valid customer wireless terminal information for the customer who can receive the payment approval message during the card payment processing, and a message slip corresponding to the payment processing details for the card payment with the confirmed valid customer wireless terminal Method for implementing the VoIP terminal 100 for merchants having a function of processing to be transmitted, if those of ordinary skill in the art to which the present invention belongs, the message slip by referring to and / or modified in Figure 1 Although it is possible to infer the functional configuration of the VoIP terminal 100 for various types of merchants having a processing function, the present invention is inferred It is made, including any implementation method, the technical features are not limited only to the implementation method shown in Figure 1, the present invention is equipped with a card reader in addition to the merchant VoIP terminal 100, all species provided in the merchant It is characterized in that it comprises one or more kinds of payment terminals (eg, CAT (Credit Authorization Terminal), POS (Point Of Sales) terminal).

For example, in FIG. 1, the merchant VoIP for the merchant is performed by a bansa server 195 that performs a payment approval procedure for the card payment and stores payment processing details including payment approved card information, payment amount information, and approval date and time information. Although illustrated and described as performing communication with the terminal 100 to perform the server side function for the message slip processing, the present invention is not limited thereto, and the server side function for the message slip processing is performed by the bansa server ( It is clear that it can be provided through a separate server associated with 195).

In addition, in FIG. 1, other customer message receiving means information (eg, customer e-mail address information, customer messenger ID information, etc.) capable of receiving the message slip may be used instead of the customer wireless terminal information. It will be apparent that instead of the customer wireless terminal information, all possible inferred customer message receiving means may be included.

Referring to FIG. 1, the VoIP terminal 100 for a merchant having the message slip processing function is basically a control unit 105, a memory unit 130, a card reader unit 110, a key input unit 120, and a screen. It comprises an output unit 115, a sound processing unit 125, a security application module 140 and a power supply unit 145 for supplying power to the merchant VoIP terminal 100, the merchant VoIP terminal 100 Bansa server for connecting the VoIP gateway 190 (or gatekeeper 197) and the VoIP communication channel through a communication network connected to the VoIP gateway, or for card payment processing through the communication network connected to the merchant VoIP terminal 100. 195 and a communication processing unit 135 for connecting the data communication channel, it is possible to further comprise at least one or more terminal function unit (not shown) according to the intention of those skilled in the art.

If the merchant VoIP terminal 100 shown in FIG. 1 is a payment terminal provided in the affiliated store, the payment terminal communicates with the sound processor and the VoIP gateway 190 (or gatekeeper 197). It is preferable that the function of connecting channels is omitted.

The control unit 105 controls the overall operation of the merchant VoIP terminal 100 in function configuration, manages the flow of information or data between each component, and the merchant VoIP terminal 100 for the message slip processing function. At least one processor and an execution memory (for example, a register or a hardware) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware and at least one component provided with each other. RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and from a predetermined recording medium in order to perform a function unique to the VoIP terminal 100 for merchants in software. A predetermined program routine or program that is loaded into the execution memory and is processed by the processor. Includes data (therefore, a software program among a predetermined program recorded on a recording medium provided in the merchant VoIP terminal 100 for the message slip processing function, or a functional configuration provided in the merchant VoIP terminal 100). And a component capable of processing as shown in the control unit 105).

According to an embodiment of the present invention, the controller 105 may include components (for example, the memory unit 130, the card reader unit 110, the key input unit 120) provided in the VoIP terminal 100 for the affiliated store. The screen output unit 115 and the security application module 140 and the communication processing unit 135, or a terminal function unit (not shown) according to the intention of those skilled in the art to interwork with each other defined in the merchant VoIP terminal 100 Controlling and managing providing a card payment service, as well as interworking control of the components provided in the merchant VoIP terminal 100 for message slip processing, or the merchant VoIP for message slip processing It is preferable to execute a program recorded on a recording medium provided in the terminal 100.

The memory unit 130 is input and output when an operation by a predetermined program routine (or code) or program data (eg, program routine (or code)) for controlling the overall operation of the merchant VoIP terminal 100 is performed. General term of non-volatile memory for storing information or data, and includes at least one or more storage means including an electrically erasable and programmable read only memory (EEPROM) or a flash memory (FM) or a hard disk drive (HDD) in hardware. And a predetermined program routine required for the control unit 105 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is characterized by.

According to the exemplary embodiment of the present invention, the memory unit 130 stores an affiliate store number for the card payment service defined in the affiliated store VoIP terminal 100, and the affiliate store number is the merchant VoIP terminal ( Characterized in that it is included in the full payment approval request generated in 100).

Customers using the merchant VoIP terminal 100, the MS (Magnetic Stripe) card of the ISO / IEC 7810 standard, or a contact IC card (or wireless IC chip) of the ISO / IEC 7816 standard, or ISO / IEC 14443 Has (or owns) a card including at least one contactless IC card (or wireless IC chip) of a standard, and the card reader unit 110 reads at least one or more information or data included in the card. It is characterized by providing an interface.

According to the method of the present invention, the card reader unit 110 is an MS reader unit for providing an interface between the MS card and the merchant VoIP terminal 100, or the contact IC card and the merchant VoIP terminal ( 100) a contact IC reader unit for providing an interface, or a contactless IC reader unit for providing an interface between the contactless IC card and the merchant VoIP terminal 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one or more tracks provided in the MS of the MS card to the VoIP terminal 100 for the merchant.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies the power to the IC chip of the IC card through the contact point, and the predetermined information or from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) Characterized by interfacing the data to the merchant VoIP terminal 100.

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, VoIP for predetermined information or data from the IC chip through the half-duplex transaction using the APDU Characterized in that the interface to the terminal 100.

According to an embodiment of the present invention, the card reader unit 110 may provide predetermined card information (eg, a card) from at least one or more card reader units 110 for a card payment service defined in the merchant VoIP terminal 100. It is preferable to read the credit card, check card, debit card, cash card, the card information corresponding to the payment means including at least one or more).

According to an embodiment of the present invention, the card information preferably comprises at least one of a card number, an expiration date information, and a card issuer information corresponding to a customer payment means, and the card number is a credit card number and a check. At least one card number or prepaid card number is preferably included.

Alternatively, the card information comprises at least one account number (or card number) and financial company information corresponding to the customer financial means, wherein the account number includes at least one real account number, virtual account number Preferably, the card number includes at least one of a cash card number, a debit card number, and a check card number.

The key input unit 120 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Information (or a signal) inputted from the terminal, and is determined from a predetermined key button provided in the key input device in a specific input mode or operation mode of the merchant VoIP terminal 100 controlled by the controller 105. When the information (or signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The controller 105 ) Obtains predetermined key data corresponding to the key event in the current input mode or operation mode of the merchant VoIP terminal 100, or is defined to match the key event. To obtain a command to execute the function characterized. The key input unit 120 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the affiliated VoIP terminal 100.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an exemplary embodiment of the present invention, the key input unit 120 may include key data corresponding to the card payment service from at least one or more key input devices for the card payment service defined in the merchant VoIP terminal 100. It is preferable to perform the function of the key input means for receiving a payment amount, etc.), and also performs the function of the key input means for receiving at least one or more key data required to be input from the key input device for a message slip processing function. It is desirable to.

The screen output unit 115 includes a predetermined screen including an LCD (Liquid Crystal Display) by the controller 105 in the process of performing the card payment processing function and the message slip processing function of the merchant VoIP terminal 100. At least one information or data that is predefined or real time defined to be output to an output device is output through a predefined interface screen, and the screen output unit 115 and the screen output device interoperate with each other Performs the function of the screen output means provided in the VoIP terminal 100.

Predefined information or data to be output to the screen output device from the merchant VoIP terminal 100, the key data input through the key input unit 120, or is provided in the merchant VoIP terminal 100 Information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processing unit 135, or information corresponding to a predetermined operation result performed by the merchant VoIP terminal 100 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 115 outputs a card payment processing screen according to each card payment step to the screen output device for the card payment service defined in the merchant VoIP terminal 100. It is preferable to perform the function of the screen output means for the display, and it is preferable to perform the function of the screen output means for outputting one or more message slip processing function processing screen output to the screen output device for the message slip processing function.

The sound processor 125 is a function component that processes input and output of sound in the voice call mode of the merchant VoIP terminal 100, and decodes at least one or more coded sound data (or voice data). A vocoder and codec that outputs to a speaker provided in the merchant VoIP terminal 100 or encodes and encodes a sound signal input through a microphone provided in the merchant VoIP terminal 100. It is characterized by consisting of).

The communication processing unit 135 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the affiliated VoIP terminal 100 and the VoIP gateway 190 (or the gatekeeper 197). Or, it is characterized in that to connect the data communication channel to the bansa server 195 on the communication network.

The secure application module (SAM) 140 is a confidentiality or authentication or integrity or denial required for the merchant VoIP terminal 100 to perform the card payment. As a safety device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the merchant VoIP terminal 100 without using an authentication server (not shown) on a payment network. The VoIP terminal 100 encrypts or decrypts a predetermined message (information or data) that is processed in the course of performing a predetermined security request function (for example, an electronic payment or a card payment function), and forges (or modulates) the message. Adds an authenticator that prevents the information from being stored in the server or stores important information in the process of performing the security request function. It is characterized by.

In general, the security application module 140 is preferably composed of a predetermined security application module 140 inserter and the security application module 140 chip, the security application module 140 chip has at least 8 bits CPU and memory built-in An Application Specific Integrated Circuit (ASIC) chip (e.g., a PLCC 44-pin chip) or an IC chip (e.g., an IC card in the form of a subscriber identity module (SIM)) with at least 2 MIPS (Million Instructions Per Second) performance It is preferable to comprise a.

In addition, the security application module 140 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code required for the merchant VoIP terminal 100 to perform a predetermined security request function) Value, etc.) or key (e.g., one master key and at least one application key) or protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration Protocol, authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / discard / initialization / reprocessing / Cancel command).

Referring to FIG. 1, when the merchant VoIP terminal 100 receives a card payment hotkey through the key input unit 120 (or reads card information through the card reader unit 110), the merchant VoIP terminal The terminal 100 confirms that the VoIP based communication channel is connected, and when checking the VoIP based communication channel, converts the VoIP based communication channel into a data communication channel between the merchant VoIP terminal 100 and the bansa server 195. It is characterized by comprising a communication channel switching unit 150 (or connected).

When the merchant VoIP terminal 100 receives a card payment hotkey (or reads card information through the card reader unit 110) through the key input unit 120 provided in the merchant VoIP terminal 100, The communication channel switching unit 150 may read and confirm the VoIP-based communication channel to which the merchant VoIP terminal 100 is currently connected.

As a result of confirming the VoIP-based communication channel, when the affiliated VoIP terminal 100 is not connected to the bansa server 195 and the data communication channel, the communication channel switcher 150 is connected to the affiliated VoIP terminal 100. This currently connected VoIP-based communication channel is converted into a data communication channel between the merchant VoIP terminal 100 and the bansa server 195, and the data communication channel for card payment processing with the bansa server 195 through the communication network. It is characterized by connecting.

According to an embodiment of the present invention, the merchant VoIP terminal 100 may include a plurality of communication channels (for example, cable communication between the VoIP terminal 100 and an external device, and a short range of direct communication between the VoIP terminal 100 and the external device). In case of supporting wireless communication, VoIP terminal 100 through a wireless repeater and an external device packet short-range wireless communication, wide area communication using a communication network, etc.), the communication channel switching unit 150 is the merchant VoIP terminal It is preferable to add a data communication channel between the merchant VoIP terminal 100 and the bansa server 195 while maintaining the current communication channel of (100).

Referring to FIG. 1, the merchant VoIP terminal 100 inputs and processes card information read from the customer card in association with the card reader 110 and receives the payment input through the key input unit 120. And an information input unit 153 for inputting and processing amount information and a full text generation unit 155 for generating a full text of a payment approval request including the card information, payment amount information, and a merchant number.

The information input unit 153 inputs and processes the card information read from the customer card in association with the card reader 110 for the card payment service defined in the merchant VoIP terminal 100, and the key input unit 120. Characterized in that the payment amount information input through the input processing, the full text generation unit 155 payment approval including the input card information and payment amount information and the merchant number stored in the memory unit 130 Characterized in that to generate the full request.

According to another embodiment of the present invention, the information input unit 153 is the payment from an external device (eg, barcode reader, RFID reader, etc.) connected to the merchant VoIP terminal 100 via cable communication or short-range wireless communication. It is possible to receive and input the amount of money information, whereby the present invention is not limited.

According to one embodiment of the invention, when generating the payment approval request full text, the merchant VoIP terminal 100, in connection with the screen output unit 115 for processing the message slip for the card payment, the customer An interface output unit 165 for outputting an information confirmation interface for inputting valid customer wireless terminal information of the information and an information confirmation unit for confirming wireless terminal information input through the information confirmation interface as valid customer wireless terminal information of the customer ( 167), and the full text generation unit 155 includes the valid customer wireless terminal information of the checked customer in the full text of the payment approval request.

When generating the payment approval request full text through the full text generation unit 155, the interface output unit 165 is valid for the customer in connection with the screen output unit 115 for processing the message slip for the card payment. And outputting an information confirmation interface for inputting customer wireless terminal information. When the customer wireless terminal information is input through the information checking interface, the information checking unit 167 inputs the wireless terminal input through the information checking interface. It is characterized in that the information is confirmed as valid customer wireless terminal information of the customer.

If the message slip for the card payment is transmitted from the Bansa server 195 on the communication network, the full text generation unit 155 establishes a customer wireless terminal information item in the payment approval request message, and the customer wireless terminal information item. It characterized in that it comprises a valid customer wireless terminal information of the confirmed customer.

Referring to FIG. 1, when the payment approval request message is generated through the full text generation unit 155, the affiliated VoIP terminal 100 generates the data through the data communication channel in association with the communication processing unit 135. The professional transmission unit 157 for transmitting the payment approval request text generated by the text generation unit 155 to the bansa server 195 on the communication network, and the bansa server 195 on the communication network corresponding to the payment approval request text. Characterized in that it comprises a specialized receiving unit 160 for receiving the full payment approval result.

When the payment approval request message is generated through the message generation unit 155, the message transmission unit 157 is switched (or connected) by the communication channel switching unit 150 in association with the communication processing unit 135. The payment approval request message generated by the full text generation unit 155 is transmitted to the bansa server 195 on the communication network through the established data communication channel, and the full text reception unit 160 is the communication processing unit 135. In connection with the bansa server 195 on the communication network characterized in that for receiving the payment approval result full text including the payment processing details corresponding to the payment approval request full text.

According to another exemplary embodiment of the present invention, the full payment approval result may include customer wireless terminal information (or blank wireless terminal information) associated with customer card information from the Bansa server 195 on the communication network. The merchant VoIP terminal 100 outputs the customer wireless terminal information included in the full payment approval result in connection with the screen output unit 115 when the wireless terminal information is included in the full payment approval result. Verifying or changing the wireless terminal information, and outputting the information confirmation interface for inputting the valid customer wireless terminal information of the customer in conjunction with the screen output unit 115 when including the blank terminal information in the full text of the payment approval result Through the interface output unit 165 and the information confirming interface, the wireless terminal information is checked or changed or inputted. And an information check unit 167 to check the customer information of a valid customer radio terminal characterized by comprising.

If the payment approval result includes the customer wireless terminal information associated with the customer card information from the Bansa server 195 on the communication network, the interface output unit 165 is linked to the screen output unit 115 to approve the payment. And outputting the customer wireless terminal information included in the result message to confirm or change the customer wireless terminal information. The information checking unit 167 checks or changes the wireless terminal information through the information checking interface. Characterized in that the valid customer wireless terminal information of the customer.

Alternatively, when the payment approval result includes the blank wireless terminal information processed by the blank from the bansa server 195 on the communication network, the interface output unit 165 may be linked with the screen output unit 115. And outputting an information confirmation interface for inputting valid customer wireless terminal information of the customer to input the customer wireless terminal information, wherein the information checking unit 167 inputs wireless terminal information input through the information checking interface. Characterized in that the valid customer wireless terminal information of the customer.

Referring to FIG. 1 according to an embodiment of the present invention, the merchant VoIP terminal 100, the valid customer wireless terminal information of the customer confirmed through the information confirmation unit 167, the confirmed valid customer wireless And an information transmitter 170 for transmitting the terminal information to the bansa server 195 on a communication network having (or operating) a storage medium for storing payment processing details for the card payment.

According to the intention of the person skilled in the art to implement the present invention, the merchant VoIP terminal 100 generates a payment history access code for the payment processing details (or payment processing details included in the full payment approval result) for the card payment. And an information generating unit 173, wherein the information transmitting unit 170 connects the generated payment history access code with valid customer wireless terminal information of the customer to bansa server on the communication network. 195).

When the valid customer wireless terminal information of the customer is confirmed through the information checking unit 167, the information transmitting unit 170 stores the confirmed valid customer wireless terminal information to store the payment processing history for the card payment Characterized in that the transmission to the bansa server 195 on the communication network equipped (or operated), thereby the bansa server 195 generates a payment history access code for the payment processing details for the card payment, After storing the valid customer wireless terminal information and payment history access code in association with the storage medium storing the payment processing history, generating and transmitting a payment approval message including the payment history access code to the customer wireless terminal; It features.

Alternatively, when the valid customer wireless terminal information of the customer is confirmed through the information checking unit 167, the information generating unit 173 is the payment processing details (or payment processing included in the full payment approval result) for the card payment. And a payment history access code for the details), and the information transmitter 170 records the payment processing history for the card payment with the confirmed valid customer wireless terminal information and the generated payment history access code. And transmit to the bansa server 195 on a communication network having (or operating) a storage medium, whereby the bansa server 195 stores the valid customer wireless terminal in a storage medium storing the payment processing history. After storing the information and payment history access code in association with each other, and generates a payment approval message including the payment history access code to the customer wireless terminal Characterized in that the transmission.

Referring to FIG. 1 according to another exemplary embodiment of the present invention, the merchant VoIP terminal 100, when checking the valid customer wireless terminal information of the customer through the information confirmation unit 167, for the card payment An information generation unit 173 for generating a payment history access code for a payment processing history (or a payment processing history included in the full payment approval result) and the payment history access code; Message generation unit 175 for generating a payment approval message to the message receiving side, Message transmission unit 177 for transmitting the generated payment approval message to the confirmed valid customer wireless terminal through the VoIP network, and the confirmation Bansa office on a network having (or operating) a storage medium for storing the valid customer wireless terminal information and payment history access code for the payment processing details for the card payment And an information transmission unit 170 for transmitting to 195 is characterized in that formed.

When the valid customer wireless terminal information of the customer is confirmed through the information checking unit 167, the information generating unit 173 is the payment processing details (or payment processing details contained in the full payment approval result) for the card payment. Characterized by generating a payment history access code for the message generating unit 175 includes the payment history access code, and generates a payment approval message to the message receiving side of the confirmed valid customer wireless terminal information Characterized in that.

When the payment approval message is generated by the message generator 175, the message transmitter 177 transmits the generated payment approval message to the confirmed valid customer wireless terminal through a message exchange protocol provided in the VoIP network. The payment approval message is transmitted to the message center on the wireless communication network to which the customer wireless terminal is connected via the VoIP gateway 190 and the geekkeeper on the VoIP network, and then the customer wireless terminal is connected. Characterized in that it is transmitted to the customer wireless terminal through a base station of a wireless communication network, and then the customer based on the payment history access code included in the payment approval message message slip containing a payment processing history for the card payment; You will be provided.

In addition, when the payment approval message is generated by the message generator 175, the information transmitter 170 stores the payment processing details for the card payment with the confirmed valid customer wireless terminal information and payment details access code. And a bansa server 195 on a communication network having (or operating) a storage medium, and in response thereto, the bansa server 195 stores the payment processing details in the valid customer wireless terminal. Characterized by storing the information and payment history access code in association.

Referring to FIG. 1 according to another exemplary embodiment of the present invention, the merchant VoIP terminal 100, upon confirming the valid customer wireless terminal information of the customer through the information verification unit 167, the card payment A message slip generation unit 180 including the payment processing details (or the payment processing details included in the full payment approval result) and generating a message slip having the verified valid wireless terminal information as a message receiving side; Characterized in that the message slip transmission unit 185 for transmitting the message slip to the confirmed valid customer wireless terminal through the VoIP network.

When the valid customer wireless terminal information of the customer is confirmed through the information checking unit 167, the message slip generation unit 180 is a payment processing history (or payment processing details included in the full payment approval result) for the card payment. And a message slip to the message receiving side using the confirmed valid customer wireless terminal information, wherein the message slip transmitting unit 185 transmits the generated message slip to a VoIP gateway on the VoIP network. 190) and the customer wireless terminal via the geekkeeper is transmitted to the message center on the wireless communication network connected to the customer wireless terminal is characterized in that the transmission through the base station of the wireless communication network connected to the customer wireless terminal, In response, the customer preferably confirms the message slip directly.

2 is a diagram illustrating a card payment system configuration for processing a message slip for a VoIP terminal 298 for an affiliated store according to an embodiment of the present invention.

In more detail, Figure 2 is a valid customer wireless to the customer who can receive a payment approval message during the card payment processing, when the card payment processing in the merchant VoIP terminal 298 provided in each merchant using a customer card The present invention relates to a card payment system having a function of checking a terminal information and processing a message slip corresponding to a payment processing history for the card payment to the confirmed valid customer wireless terminal. Those skilled in the art will be able to infer various implementation methods for the card payment system configuration for message slip processing for the merchant VoIP terminal 298 by referring to and / or modifying the present invention. The invention includes all the implementation methods inferred above, the technical features only by the implementation method shown in FIG. This is not limited.

For example, FIG. 2 illustrates the message slip processing function provided in the bansa as illustrated in the bansa server 200 that processes the payment approval request for the card payment, but the present invention is limited thereto. By no means, it will be apparent that the message slip processing function may be processed through a separate message slip processing server (not shown) associated with the bansa server 200.

In addition, in FIG. 2, other customer message receiving means information (for example, customer mail address information, customer messenger ID information, etc.) capable of receiving the message slip may be used instead of the customer wireless terminal information. It will be apparent that instead of the customer wireless terminal information, all possible inferred customer message receiving means may be included.

Referring to FIG. 2, the card payment system for message slip processing for the merchant VoIP terminal 298, the merchant VoIP terminal 298 provided in the merchant, and the customer card is issued, the customer card One or more card company servers 275 for processing payment approval through the network and a value added network (VAN) for relaying the merchant company's VoIP terminal 298 and the card company server 275 to the merchant VoIP terminal 298 ) To process the payment approval request, confirm valid customer wireless terminal information for the customer who can receive the payment approval message in the card payment processing, and pay for the card payment with the confirmed valid customer wireless terminal And a bansa server 200 having a function of processing a message slip corresponding to the processing details to be transmitted.

Although the bansa server 200 is illustrated as one server in FIG. 2 for convenience, this is only an exemplary method for efficiently explaining the technical features of the bansa server 200 in the present invention, and the intention and card payment of those skilled in the art. According to the system implementation method, the bansa server 200 will be apparent that it may be implemented in a system form consisting of a plurality of servers for each functional component.

The merchant VoIP terminal 298 provides a voice call and a data communication service through a wired (or wireless) communication network, and has a card reader, and is a VoIP terminal for processing card payments generated at an affiliate store as shown in FIG. Characterized in that it comprises a functional VoIP terminal 298 function configuration.

The bansa server 200 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Downlink Packet Access) based wireless network, IEEE 802.16x-based portable Internet, etc. through a public communication network including at least one connected to the merchant terminal (not shown) provided in the merchant and the communication channel shown in Figure 1 Dedicated communication network, characterized in that for connecting the communication channel with the merchant VoIP terminal 298 via a communication network connected to the VoIP terminal 298, x.25 based communication network, encryption / decryption based communication network at least one or more By connecting a communication channel with at least one card company server 275 through the merchant terminal (not shown) or the merchant terminal VoIP terminal 298 and relaying the card company server 275 It shall be.

According to an embodiment of the present invention, the bansa server 200 receives the payment approval request text encrypted with the bansa encryption key from the merchant VoIP terminal 298, and decrypts the payment approval request text with the bansa decryption key. Thereafter, the card information included in the decoded payment approval request text is read to confirm a card company server 275 to which the payment approval request text is transmitted by reading a BIN (Bank Identification Number), and the payment approval request text (or the payment). Card information and payment information and payment approval request information including an affiliated store number) included in the full authorization request message are encrypted with an encryption key that can be decrypted by the confirmed card company server 275 and transmitted to the card company server 275. desirable.

The card company server 275 issuing the customer card, and based on the card information included in the payment approval request message received from the bansa server 200, the payment authorization limit amount (for example, credit limit) for the customer card , Or the balance of the linked account) and approves the payment for the payment amount included in the payment information through the payment approval limit amount.

According to the embodiment of the present invention, the card company server 275 is a payment approval request full text (or card information included in the payment approval request full text) encrypted with the encryption key of the card company server 275 from the bansa server 200. Payment approval request information including information and affiliated store number) and decrypts the received card information, payment information and affiliated store number included in the full payment approval request.

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 275 may include a payment approval limit amount (eg, a credit limit amount) for the customer card and a cumulative payment approval approved for a predetermined period of time. The amount of the payment approval limit is summed up by checking an amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount. If greater than the 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 275 checks the payment approval limit amount (for example, the balance of the linked account) for the customer card, and the payment approval limit. By comparing the amount of money and the amount of payment included in the payment information, if the payment approval limit amount is larger than the amount of payment, it is preferable to approve the payment.

Those skilled in the art to which the present invention pertains, may be familiar with the technical features of the technical features of the merchant VoIP terminal 298, bansa server 200 and card company server 275 operating as described above. Therefore, a more detailed description thereof will be omitted for convenience.

According to the present invention, the bansa server 200 has a storage medium 273 for storing the payment approval details in association with card company information when the payment is approved through the customer card, or the storage medium. It is preferable to interwork with a DBMS operating 273 or a DB server (not shown) provided with the storage medium 273.

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

The card information is information that matches card information included in the payment approval request message or the payment approval result message received from the merchant VoIP terminal, and preferably includes a card number.

The payment approval date and time, it is preferable that the card company server (275) includes the date and time information payment approval processing through the customer card.

The payment approval amount, the card company server (275) through the payment card information approved through the customer card, or payment authorization request information or payment authorization information contained in the full payment approval result is preferably included, According to the intention, it is preferable that the settlement further comprises the settlement amount information to be settled to the merchant of the approved amount.

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

The payment approval information may include a payment approval number assigned by the card company server 275 when the payment is approved through the customer card.

Referring to FIG. 2, the bansa server 200 connects a communication channel with an affiliated store's VoIP terminal 298 provided at the affiliated store through a communication network connected to the affiliated store's VoIP terminal 298 shown in FIG. 1. And a management unit 210 for managing the interface unit 205, a specialized receiving unit 210 for receiving a payment approval request message through the communication channel in association with the interface unit 205, and card information included in the received payment approval request message. A professional reading unit 220 for confirming the card company server 275 to relay the payment approval request full text by reading the reading unit 220 and an information transmitting unit 225 for transmitting the full text of the payment approval request to the confirmed card company server 275. And an information receiving unit 280 (or information receiving means) for receiving a payment approval result text including a payment processing history corresponding to the payment approval request text from the card company server 275, and an interface unit 205. So Characterized in that it comprises a specialized transmission unit 215 for transmitting the full payment approval result including the payment processing history to the merchant VoIP terminal 298 through a communication channel, and included in the payment approval result professional A payment approval confirmation unit 235 for confirming that the card payment is approved by reading the payment processing history, and a storage medium in connection with the card company information in the payment processing details included in the full payment approval result when confirming the payment approval. And an information storage section 250 (or information storage means) stored in 273.

The interface unit 205 may be a merchant VoIP terminal 298 provided at the affiliate store through a communication protocol corresponding to a communication network connecting the bansa server 200 and the affiliated store VoIP terminal 298 provided at the affiliate store. It connects a communication channel for transmission and reception of payment-related text, and maintains and manages the communication channel until the text transmission and reception is completed.

After reading the card information from the customer card through the card reader in the merchant VoIP terminal 298 connected to the communication channel and inputting the payment information (eg, payment amount, installment months, etc.) through the key input device, When the payment approval request message including the card information, payment information, and the affiliated store number is generated and transmitted through a communication network, the specialized receiver 210 is connected to the interface unit 205 and the VoIP terminal 298 for the affiliated store. Characterized in that it receives the payment approval request full text from.

If the payment approval request message is encrypted and transmitted from the merchant VoIP terminal 298 through the Bansa encryption key, the message receiving unit 210 preferably decrypts the encrypted payment approval request message. .

When the payment approval request full text is received, the full text reader 220 reads a BIN of card information included in the full payment approval request full text to confirm card company information to which the payment approval request full text is relayed. .

When the card company information to be relayed is transmitted by the specialized reader 220, the information transmitter 225 may communicate with the bansa server 200 and the card company server 275. Through the payment approval request text is characterized in that the transmission to the card company server (275).

Thereafter, the card company server 275 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 receiving information receiving unit 280 (or information receiving means) is characterized in that for receiving the full payment approval result from the card company server 275 through the communication channel.

According to an embodiment of the present invention, when the payment corresponding to the full payment approval request is approved in the card company server 275, the payment processing details included in the full payment approval result is a card for the approved payment customer card. It is preferable that the information and payment approval date, payment approval amount, merchant number and at least one payment approval information is included.

According to another embodiment of the present invention, if the payment corresponding to the full payment approval request is not approved in the card company server 275, the payment processing details included in the full payment approval result are card information for the customer card. And at least one payment error information.

When the payment approval result text is received from the card company server 275, the text transmission unit 215 transmits the payment approval result text including the payment processing details through the communication channel in association with the interface unit 205. Characterized in that the transmission to the merchant VoIP terminal 298, wherein the interface unit 205 further performs a process of verifying that the payment approval result is transmitted to the merchant VoIP terminal 298 It is preferable.

When the payment approval result message is received from the card company server 275, the payment approval confirmation unit 235 reads the payment processing details (for example, payment approval information) included in the payment approval result message and the card payment is received. When the payment approval confirmation, the information storage unit 250 stores the payment processing details included in the full payment approval result in the storage medium 273 in association with the card company information. It is done.

According to the present invention, the card company server 275 is a card for storing the customer information issued by the customer card, the card information corresponding to the customer card issued to the customer, card attribute information and card limit information associated with processing Interworking with a DBMS having a management D / B 296, or operating the card management D / B 296, or a DB server (not shown) provided with the card management D / B 296. It is desirable to.

Here, the customer information may include personal information (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who has issued the customer card, and member information (eg, At least one member ID information).

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

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

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

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

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information includes account information associated with the customer card. It is preferable to make it.

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

According to the present invention, the card company server 275 is provided with a payment history D / B (297) for storing the payment processing history of the payment approved when the payment through the customer card, or the payment history D / B It is preferable to interwork with a DBMS operating 297 or a DB server (not shown) provided with the payment history D / B 297.

Here, the payment processing details, card information for the payment approved customer card, payment approval date, payment authorization amount, merchant number 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 296, and preferably includes a card number. The card information includes the card management D / B 296 through the card information. The payment history D / B 297 is preferably linked in a relational manner.

The payment approval date and time, it is preferable that the card company server (275) includes the date and time information payment approval processing through the customer card.

The payment approval amount is preferably made by the card company server (275) including the amount of payment information approved through the customer card, the settlement to be settled to the merchant of the payment approved amount according to the intention of the skilled person It is preferable that the price information is further included.

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

The payment approval information may include a payment approval number assigned by the card company server 275 when the payment is approved through the customer card.

Referring to FIG. 2, the card company server 275 may include a communication unit 277 for connecting and managing a communication channel with the bansa server 200 through a communication network (for example, a dedicated communication network), and the communication unit 277. Receiving unit 280 for receiving the full payment approval request message from the bansa server 200, and the card information check unit for confirming that the card information included in the received payment approval request message matches the issued card information ( 285), if the card information is matched, check the payment approval limit amount corresponding to the card information, and process the payment for the payment amount included in the full payment approval request message through the confirmed payment approval limit amount. A payment approval processing unit 287, a details generation unit 290 for generating a payment processing history including the payment approval result, and a generation for generating a full payment approval result including the payment processing history; And a transmission unit 283 for transmitting the generated payment approval result text to the bansa server 200 through the communication channel in connection with the communication unit 277. Upon approval of the payment by the payment approval processing unit 287, an information storage unit 295 (or information storage means) for storing the payment processing history included in the payment processing history in the payment history D / B 297 is further included. It is characterized by comprising.

The communication unit 277 connects a communication channel for transmitting / receiving the full-text (or information) related to payment with the bansa server 200 through a communication protocol corresponding to the communication network connecting the card company server 275 and the bansa server 200. Characterized in that.

When the bansa server 200 transmits the full payment approval request message through the communication channel, the receiving unit 280 is linked with the communication unit 277, the payment including at least one card information, payment information and merchant number Characterized in that the entire request for approval is received.

If the payment approval request message is encrypted and transmitted from the bansa server 200 through the encryption key of the card company server 275, the receiving unit 280 preferably decrypts the encrypted payment approval request message. .

When the payment approval request message is received, the card information verification unit 285 checks the card information included in the payment approval request message, and is stored in the card management D / B 296 through the confirmed card information. The card information is queried to determine whether the card corresponding to the card information matches the customer card.

In addition, the card information verification unit 285 is a card that the customer card is reported missing or in the process of verifying the card information, or a card that satisfies the unusable condition (for example, bad credit, overdue, etc.), or the expiration date It is preferable to further comprise the step of checking whether the card has passed.

When the validity of the card information included in the full payment approval request is confirmed by the card information checking unit 285, the payment approval processing unit 287 associates with the card information to the card management D / B 296. 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 287 first checks the payment attribute corresponding to the card information in association with the card management D / B 296 in order to confirm the payment approval limit amount (for example, postpay). Mold, debit, prepaid, etc.) is preferable.

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 287 reads the credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 287 is included in the card limit information. It is preferable to check the linked account information and check the balance information of the linked account in connection with a financial institution server (not shown) as the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the payment approval processing unit 287 receives the charge amount information included in the card limit information. It is preferable to check the payment authorization limit amount for the customer card.

When the payment approval limit amount for the customer card is confirmed, the payment approval processing unit 287 may approve payment for each payment attribute of the payment amount included in the full payment approval request based on the confirmed payment approval limit amount, or It is characterized by checking whether the payment error.

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the payment approval processing unit 287 schedules in connection with the payment history D / B 297. Check the cumulative payment approval amount approved through the customer card during the period, add up the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount (E.g., credit limit amount) is compared to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (eg, the credit limit amount) is larger than the sum of the sums, the payment approval processing unit 287 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 287 may execute the payment approval limit amount (for example, , The balance of the linked account) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the payment approval processing unit 287 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 287 may set the payment approval limit amount (eg, a charged amount). It is preferable to check payment approval or payment error for the payment amount by comparing the payment amount included in the payment information.

For example, when the payment approval limit amount (eg, the charge amount) is larger than the payment amount, the payment approval processing unit 287 preferably processes the payment.

When the payment approval process for the payment amount is completed by the payment approval processing unit 287, the details generation unit 290 includes a payment processing result including the payment approval result approved by the payment approval processing unit 287. Characterized by generating a history.

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

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

When the payment processing details are generated, the generation unit 293 may generate a payment approval result full text including the payment processing details, and the transmission unit 283 may be connected to the communication unit 277. Characterized in that the full payment approval result is transmitted to the bansa server 200 through a communication channel.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 287, the information storage unit 295 and the card information included in the payment processing history generated by the history generation unit 290 and The payment processing history D / B 297 may include payment processing details including at least one payment approval date, payment approval amount, merchant number, and payment approval information.

Referring to Figure 2 according to an embodiment of the present invention, the bansa server 200, the payment received through the specialized receiving unit 210 for message slip processing for the merchant VoIP terminal 298 If the customer request for the wireless terminal information is included in the request for approval, if the approval of the card payment for the full payment approval request through the payment approval confirmation unit 235 is confirmed, the customer wireless terminal information included in the payment approval request An information confirming unit 240 (or information confirming means) confirming valid customer wireless terminal information for the customer, and payment stored in the storage medium 273 in response to the payment approval when the valid customer wireless terminal information is confirmed. An information generating unit 245 (or information generating means) for generating a payment history access code for accessing the processing details, the confirmed valid customer wireless terminal information and the generated payment; And an information storage unit 250 (or information storage means) for storing a reverse access code in association with the payment processing details in the storage medium 273.

When the customer wireless terminal information is included in the payment approval request message received through the specialized receiving unit 210 according to an embodiment of the present invention, the payment approval request unit 235 for the full payment approval request When the card payment approval is confirmed, the information confirmation unit 240 confirms the customer wireless terminal information included in the full payment approval request message as valid customer wireless terminal information for the customer, and the information generation unit 245 is the In response to the payment approval, the payment history access code for accessing the payment processing history stored in the storage medium 273 may be generated.

According to another embodiment of the present invention, when the payment history access code is pre-generated and included in the full payment approval request, the information generator 245 may omit generating the payment history access code. The present invention is not limited by this.

When the valid customer wireless terminal information is confirmed through the information checking unit 240 and the payment history access code is generated through the information generating unit 245, the information storage unit 250 determines the valid customer wireless terminal. The terminal information and the generated payment history access code is stored in association with the payment processing history stored in the storage medium 273.

Referring to FIG. 2 according to another embodiment of the present invention, the bansa server 200, when the payment approval request message containing the customer wireless terminal information is not received through the specialized receiving unit 210, the payment When the card payment approval for the full payment approval request is confirmed through the approval confirmation unit 235, the full payment approval request or the payment approval request from the storage medium 273 for processing a message slip for the VoIP terminal 298 for the merchant. Terminal information confirmation unit 253 for confirming the customer wireless terminal information associated with the card information included in the payment approval result full text, and when confirming the customer wireless terminal information, the confirmed customer wireless terminal information in the full payment approval result And when the customer wireless terminal information is not confirmed, including the blank wireless terminal information in which the customer wireless terminal information is processed as a blank in the full payment approval result. It is characterized in that it comprises a full text generation unit 255 (or full text generation means) for generating a full text of the approval result, the generated payment approval result full text is the VoIP terminal for the merchant through the specialized transmission unit 215 ( 298).

According to another exemplary embodiment of the present invention, when the payment approval request message including the customer wireless terminal information is not received through the specialized reception unit 210, the payment approval request unit 235 may be used to complete the payment approval request. When the card payment approval is confirmed, the terminal information confirming unit 253 transmits the payment approval request or the payment approval result from the storage medium 273 to process the message slip for the merchant VoIP terminal 298. Characterized in that the customer wireless terminal information associated with the included card information.

If the customer wireless terminal information associated with the card information is confirmed through the terminal information checking unit 253, the full text generation unit 255 includes the checked customer wireless terminal information in the full payment approval result. The professional transmitter 215 transmits the generated payment approval result message to the merchant VoIP terminal 298.

On the other hand, when the customer wireless terminal information associated with the card information is confirmed through the terminal information checking unit 253, the full text generation unit 255 is blank with the customer wireless terminal information in the full payment approval result. Characterized in that it generates a payment approval result full text including the processed blank wireless terminal information, the professional transmission unit 215 is to transmit the generated payment approval result full text to the merchant VoIP terminal 298 It features.

According to another exemplary embodiment of the present invention, the policy includes a function of always inputting customer wireless terminal information into the merchant VoIP terminal 298 or trusts the customer wireless terminal information stored in the storage medium 273 until the information is changed. In this case, the full text generation unit 255 may omit including the customer wireless terminal information (or blank wireless terminal information) in the full text of the payment approval result, and thus the present invention is not limited thereto.

In addition, referring to Figure 2, the bansa server 200, after the payment approval result including the customer wireless terminal information (or blank wireless terminal information) is transmitted to the merchant VoIP terminal 298, the Information receiving unit 280 for receiving valid customer wireless terminal information corresponding to the customer wireless terminal information (or blank wireless terminal information) from the merchant VoIP terminal 298 for message slip processing for the merchant VoIP terminal 298. (Or information receiving means), information confirmation unit 240 (or information confirmation means) for confirming the received customer wireless terminal information as valid customer wireless terminal information for the customer, and the valid customer wireless terminal information confirmation Information generation unit 245 (or information generating means) for generating a payment history access code for accessing the payment processing history stored in the storage medium 273 in response to the payment approval; And an information storage unit 250 (or information storage means) for storing the valid customer wireless terminal information and the generated payment history access code, which are previously identified, in the storage medium 273 in association with the payment processing details. It features.

After the payment approval result message including the customer wireless terminal information (or blank wireless terminal information) is transmitted to the merchant VoIP terminal 298, the receiving information receiving unit 280 (or information receiving means) is transmitted to the affiliate store. Receiving valid customer radio terminal information corresponding to the customer radio terminal information (or blank radio terminal information) from the merchant VoIP terminal 298 for processing a message slip for the VoIP terminal 298 for The information checking unit 240 confirms the received customer wireless terminal information as valid customer wireless terminal information for the customer.

When the valid customer wireless terminal information is confirmed through the information checking unit 240 and the payment history access code is generated through the information generating unit 245, the information storage unit 250 determines the valid customer wireless terminal. The terminal information and the generated payment history access code is stored in association with the payment processing history stored in the storage medium 273.

In addition, referring to Figure 2, the bansa server 200, after the payment approval result containing the customer wireless terminal information (or blank wireless terminal information) is transmitted to the merchant VoIP terminal 298, Valid customer wireless terminal information corresponding to the customer wireless terminal information (or blank wireless terminal information) from the merchant VoIP terminal 298 and the merchant VoIP terminal for processing message slips for the merchant VoIP terminal 298. An information receiving unit 280 (or information receiving means) for receiving the payment history access code generated at 298 and an information checking unit for confirming the received customer wireless terminal information as valid customer wireless terminal information for the customer ( 240 (or information confirmation means), and when the valid customer wireless terminal information is confirmed, the confirmed valid customer wireless terminal information and the payment history access code is associated with the payment processing details. And an information storage unit 250 (or information storage means) for storing in the storage medium (273) characterized by comprising.

After the payment approval result message including the customer wireless terminal information (or blank wireless terminal information) is transmitted to the merchant VoIP terminal 298, the receiving information receiving unit 280 (or information receiving means) is transmitted to the affiliate store. Valid customer wireless terminal information corresponding to the customer wireless terminal information (or blank wireless terminal information) from the merchant VoIP terminal 298 and the merchant VoIP terminal 298 for processing the message slip for the VoIP terminal 298 for the service. Receiving the payment history access code generated in the), characterized in that the information check unit 240 is characterized in that the received customer wireless terminal information to confirm the valid customer wireless terminal information for the customer.

When valid customer wireless terminal information is confirmed through the information checking unit 240, the information storage unit 250 stores the confirmed valid customer wireless terminal information and the payment history access code stored in the storage medium 273. It is characterized by storing in association with the processing history.

Referring to FIG. 2, the bansa server 200 stores the valid customer wireless terminal information and the payment history access code in association with the payment processing history stored in the storage medium 273, and stores the payment details. A message generating unit 257 (or message generating means) for generating a payment approval message including an access code and using the verified valid customer wireless terminal information as a message receiving side; and transmitting the generated payment approval message to the customer wireless terminal. And a message transmission unit 260 (or message transmission means) for transmitting to the customer wireless terminal through the connected wireless communication network.

After the confirmed valid customer wireless terminal information and the payment history access code are stored in association with the payment processing history stored in the storage medium 273, the message generator 257 includes the payment history access code. And generating a payment approval message using the confirmed valid customer wireless terminal information as a message receiving side, wherein the message transmission unit 260 transmits the generated payment approval message through a wireless communication network connected to the customer wireless terminal. Characterized in that the transmission to the customer wireless terminal.

2, the bansa server 200, after the payment approval message is transmitted to the customer wireless terminal, the customer wireless terminal information from the customer terminal 299 used by the customer owning the customer wireless terminal; Code receiving unit 263 for receiving a payment history access code, code authentication unit for comparing and authenticating the payment history access code stored in the storage medium 273 in connection with the received payment history access code and the customer wireless terminal information 265, a message slip generation unit 267 (or message slip generating means) for generating a message slip corresponding to a payment processing history associated with the payment history access code when the payment history access code is authenticated; Characterized in that the message slip transmission unit 270 (or message slip transmission means) for transmitting the message slip to the customer terminal (299).

After the payment approval message is transmitted to the customer wireless terminal, the code receiving unit 263 sends the code from the customer terminal 299 (for example, the customer wireless terminal or the customer wired terminal) used by the customer who owns the customer wireless terminal. And receiving the customer wireless terminal information and the payment history access code, wherein the code authentication unit 265 stores the payment stored in the storage medium 273 in association with the received payment history access code and the customer wireless terminal information. Comparing the history access code, it characterized in that the received payment history access code is authenticated.

If the payment details access code is authenticated through the code authentication unit 265, the message slip generation unit 267 generates a message slip corresponding to the payment processing details associated with the payment details access code. It is done.

According to the embodiment of the present invention, the message slip generation unit 267 generates the message slip including the payment processing details in a message structure that can be received through the message receiving means provided in the customer terminal 299. desirable.

When the message slip corresponding to the payment processing details is generated by the message slip generation unit 267, the message slip transmission unit 270 transmits the generated message slip through a communication network connected to the customer terminal 299. Characterized in that the transmission to the customer terminal (299).

3 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal 298 for an affiliated store according to the first embodiment of the present invention.

In more detail, FIG. 3 illustrates a card payment processing through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. 1, and then the VoIP terminal 298 for the merchant. After confirming the valid customer wireless terminal information, in the payment approval request process for generating and transmitting a message slip corresponding to the payment processing details included in the full payment approval result corresponding to the card payment authorization to the confirmed customer wireless terminal; For those of ordinary skill in the art to which the present invention pertains, various modifications to the payment approval request process for processing message slips for the merchant VoIP terminal 298 by referring to and / or modifying the drawing 3 may be made. Although it will be possible to infer an implementation method, the present invention includes all the implementation methods inferred from the above, and the technical features only by the implementation method shown in FIG. Gong is not limited.

Hereinafter, in FIG. 3, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 3, the VoIP terminal shown in FIG. 1 reads card information from the customer card through a card reader, and inputs payment information (eg, payment amount, installment months, etc.) through a key input means. In operation 300, the payment approval request message including the input card information and payment information and the affiliate store number stored in the VoIP terminal is generated.

Thereafter, the VoIP terminal checks a currently connected VoIP based communication channel (eg, a VoIP voice channel through a VoIP gateway and a gatekeeper), and transmits the VoIP based communication channel to the bansa server 200 for data transmission and reception. Switch to (or connect) to (310).

If the data communication channel is switched (or connected) (315), the VoIP terminal transmits the full text of the payment approval request to the bansa server 200 through the data communication channel (320), and correspondingly the bansa The server 200 receives the full text of the payment approval request transmitted from the VoIP terminal through the communication channel (325).

According to an embodiment of the present invention, when the payment approval request text is encrypted and transmitted from the VoIP terminal through the bansa encryption key, the bansa server 200 preferably decrypts the encrypted payment approval request text. Do.

Then, the bansa server 200 checks the card information included in the full payment approval request (330).

According to the implementation method of the present invention, the bansa server 200 may further check the payment information and the merchant number included in the full payment approval request request, thereby the present invention is not limited.

Thereafter, the bansa server 200 reads the confirmed card information and checks the card company server 275 to relay the full payment approval request message (335).

According to the method of the present invention, the bansa server 200 preferably reads the BIN of the card information included in the payment approval request full text to confirm the card company information to be relayed transmission of the payment approval request.

If the card company server 275 to relay the payment approval request full text is confirmed (340), the bansa server 200 to the verified card company server (275) the payment approval request full text (or the payment approval request full text) The payment request information including the card information, payment information, and the merchant number included) is relayed and transmitted (345).

4 is a diagram illustrating a payment approval process for processing message slips for a VoIP terminal 298 for an affiliated store according to the first embodiment of the present invention.

In more detail, FIG. 4 illustrates that when a payment approval request message is received by the card company server 275 through the payment approval request process shown in FIG. 3, the card company server 275 is requested through the payment approval request message. Regarding the process of approving the payment, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to process message slips for the VoIP terminal 298 for the merchant. Various implementation methods for the payment approval process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 4, the card company server 275 receives the full payment approval request message from the bansa server 200 through the payment approval request process illustrated in FIG. 3 (400).

According to the embodiment of the present invention, when the full payment approval request is encrypted and transmitted from the bansa server 200 through the encryption key of the card company server 275, the card company server 275 is the encrypted payment approval request It is desirable to decrypt the full text.

Thereafter, the card company server 275 checks card information, payment information, and merchant number included in the payment approval request text (405), and is stored in the card management D / B 296 through the checked card information. By inquiring the card information, it is checked whether the card corresponding to the card information matches the customer card (410).

According to the method of the present invention, the card company server 275 is a card in which the customer card is reported missing in the process of checking the card information, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), Or it is preferably made further comprising the step of checking whether the expiration date of the card.

If the card information is not matched with the customer card as a result of the check (415), the card company server 275 generates the full payment approval result containing the payment error information and transmits to the bansa server 200. (420).

On the other hand, if the card information matches the card with the customer card as a result of the verification (415), the card company server 275 corresponds to the card limit information provided in connection with the card information in the card management D / B (296) The payment approval limit amount for each payment property is checked (430).

According to an embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 275 stores the credit limit amount information included in the card limit information. It is desirable to confirm with the payment authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the customer card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 is associated with the card limit information. It is preferable to check the account information, and check the balance information of the linked account in connection with the financial institution server (not shown) as the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 275 stores the charge amount information included in the card limit information. It is preferable to check the payment authorization limit amount for the customer card.

If the payment approval limit amount for each payment attribute of the customer card is confirmed (435), the card company server 275 based on the confirmed payment approval limit amount, the payment attribute for the payment amount included in the payment approval request text. The payment approval process is processed (440).

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 275 is linked to the payment history D / B 297 for a predetermined period of time. And confirm the cumulative payment approval amount approved through the customer card, and add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount ( For example, it is preferable to confirm the payment approval or payment error for the payment amount by comparing the credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is greater than the sum of the sums, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 may execute the payment approval limit amount (eg, , The balance of the linked account) and the payment amount included in the payment information to confirm payment approval or payment error for the payment amount.

For example, when the payment authorization limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 275 may include the payment authorization limit amount (for example, a recharge amount). The payment amount included in the payment information may be compared to confirm payment approval or a payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 275 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (445), the card company server 275 generates a full payment approval result including payment error information and transmits it to the bansa server 200 ( 420).

On the other hand, if the payment approval for each payment attribute is confirmed as a result of the payment approval process (445), the card company server 275 generates a payment processing history including the payment approval result (450).

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

Thereafter, the card company server 275 generates payment processing details including at least one of card information included in the generated payment processing details, payment approval date, payment approval amount, merchant number and payment approval information (455). In operation 460, the payment processing history is stored in the payment history D / B 297.

In addition, the card company server 275 generates the payment approval result text including the payment processing details and transmits the full text to the bansa server 200 (465).

FIG. 5 is a diagram illustrating a message slip processing process for message slip processing for the merchant VoIP terminal 298 according to the first embodiment of the present invention.

In more detail, FIG. 5 illustrates the processing of card payment through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. 1, and then the VoIP terminal 298 for the merchant. After checking the valid customer wireless terminal information, the message slip processing process for generating and sending a message slip corresponding to the payment processing details included in the full payment approval result corresponding to the card payment authorization to the confirmed customer wireless terminal as If a person of ordinary skill in the art to which the present invention pertains, various implementation methods for the message slip processing for message slip processing for the merchant VoIP terminal 298 by referring to and / or modifying the figure 5 It can be inferred, but the present invention comprises all the inferred implementation method, the technical only by the implementation method shown in FIG. Jing is not limited.

Hereinafter, in FIG. 5, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 5, when the card company server 275 generates and transmits the full payment approval result through the payment approval process shown in FIG. 4, the bansa server 200 transmits the full payment approval result from the card company server 275. The payment approval result is received, and the payment processing history included in the received payment approval result is read to confirm payment approval for the card payment (500).

If the payment approval for the card payment is confirmed (505), the bansa server 200 stores the payment processing details in the storage medium 273 in association with the card company information (510).

Thereafter, the bansa server 200 transmits the full payment approval result to the VoIP terminal (515), and in response, the VoIP terminal receives the full payment approval result and receives a payment processing included in the full payment approval result. After outputting the details (520), and confirms the payment approval for the card payment by reading the payment processing history included in the full payment approval result (525).

If the payment approval for the card payment is confirmed (530), the VoIP terminal processes to input valid customer wireless terminal information, and outputs an information confirmation interface for confirming valid customer wireless terminal information for the customer (535). In operation 540, it is checked whether valid customer wireless terminal information is input through the information confirmation interface.

If valid customer wireless terminal information is input through the information confirmation interface (545), the VoIP terminal generates a message slip including the payment processing history and including the customer wireless terminal information to the message receiving side (550). In operation 555, the generated message slip is transmitted to the confirmed valid customer wireless terminal through a message exchange protocol provided in the VoIP network to which the VoIP terminal is connected.

6 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal 298 for an affiliated store according to a second embodiment of the present invention.

In more detail, FIG. 6 shows that the merchant VoIP terminal 298 shown in FIG. 1 processes card payment through the bansa server 200 shown in FIG. 2, and then the merchant VoIP terminal 298. After confirming the valid customer wireless terminal information, and transmits the confirmed valid customer wireless terminal information to the bansa server 200, the bansa server 200 in the payment approval result corresponding to the credit card payment approval is included in the full payment After generating a payment history access code corresponding to the processing history, and storing the customer wireless terminal information and payment history access code in association with the payment processing history in the storage medium 273, the payment through the payment history access code As for the payment approval request process for transmitting a message slip containing the processing history to the customer terminal (299), if the person skilled in the art to which the present invention belongs, 6 and / or modified to infer various implementation methods for the payment approval request process for message slip processing for the merchant VoIP terminal 298 by referring to and / or modifying the present invention. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 6, the VoIP terminal shown in FIG. 1 reads card information from the customer card through a card reader, and inputs payment information (eg, payment amount, installment months, etc.) through a key input means. In operation 605, a payment approval request message including the input card information and payment information and an affiliate store number stored in the VoIP terminal is generated (605).

Thereafter, the VoIP terminal checks a currently connected VoIP based communication channel (eg, a VoIP voice channel through a VoIP gateway and a gatekeeper), and transmits the VoIP based communication channel to the bansa server 200 for data transmission and reception. Switch to (or connect) to (610).

If the data communication channel is switched (or connected) (615), the VoIP terminal transmits the full text of the payment approval request to the bansa server 200 through the data communication channel (620) and correspondingly the bansa The server 200 receives the full text of the payment approval request transmitted from the VoIP terminal through the communication channel (625).

According to an embodiment of the present invention, when the payment approval request text is encrypted and transmitted from the VoIP terminal through the bansa encryption key, the bansa server 200 preferably decrypts the encrypted payment approval request text. Do.

Then, the bansa server 200 checks the card information included in the full payment approval request (630).

According to the implementation method of the present invention, the bansa server 200 may further check the payment information and the merchant number included in the full payment approval request request, thereby the present invention is not limited.

Thereafter, the bansa server 200 reads the checked card information and checks the card company server 275 to relay the full payment approval request message (635).

According to the method of the present invention, the bansa server 200 preferably reads the BIN of the card information included in the payment approval request full text to confirm the card company information to be relayed transmission of the payment approval request.

If the card company server 275 to relay the payment approval request full text is confirmed (640), the bansa server 200 to the full payment approval request (or the payment approval request professional) to the confirmed card company server 275 The card information and payment information and payment approval request information including the merchant number) may be relayed and transmitted (645).

FIG. 7 is a diagram illustrating a payment approval process for processing message slips for a VoIP terminal 298 for an affiliated store according to the second embodiment of the present invention.

In more detail, in FIG. 7, when the payment approval request message is received by the card company server 275 through the payment approval request process shown in FIG. 6, the card company server 275 is requested through the payment approval request message. As a process for approving a payment, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to process message slips for the VoIP terminal 298 for the merchant. Various implementation methods for the payment approval process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 7, the card company server 275 receives the full payment approval request message from the bansa server 200 through the payment approval request process shown in FIG.

According to the embodiment of the present invention, when the full payment approval request is encrypted and transmitted from the bansa server 200 through the encryption key of the card company server 275, the card company server 275 is the encrypted payment approval request It is desirable to decrypt the full text.

Then, the card company server 275 checks the card information, payment information and merchant number included in the full payment approval request (705), and stored in the card management D / B (296) through the confirmed card information By inquiring the card information, it is checked whether the card corresponding to the card information matches the customer card (710).

According to the method of the present invention, the card company server 275 is a card in which the customer card is reported missing in the process of checking the card information, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), Or it is preferably made further comprising the step of checking whether the expiration date of the card.

If the card information is not matched with the customer card as a result of the check (715), the card company server 275 generates the full payment approval result containing payment error information and transmits to the bansa server 200 ( 720).

On the other hand, if the card information is matched with the customer card as a result of the check (715), the card company server 275 corresponds to the card limit information provided in connection with the card information in the card management D / B (296) The payment approval limit amount for each payment attribute is checked (730).

According to an embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 275 stores the credit limit amount information included in the card limit information. It is desirable to confirm with the payment authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the customer card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 is associated with the card limit information. It is preferable to check the account information, and check the balance information of the linked account in connection with the financial institution server (not shown) as the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 275 stores the charge amount information included in the card limit information. It is desirable to check the payment authorization limit for the customer card.

If the payment approval limit amount for each payment attribute of the customer card is confirmed (735), the card company server 275 is a payment attribute for the payment amount included in the full payment approval request based on the confirmed payment approval limit amount. The process of acknowledging payment is performed (740).

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 275 is linked to the payment history D / B 297 for a predetermined period of time. And confirm the cumulative payment approval amount approved through the customer card, and add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount ( For example, it is preferable to confirm the payment approval or payment error for the payment amount by comparing the credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is greater than the sum of the sums, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 may include the payment approval limit amount (for example, The balance of the linked account) and the payment amount included in the payment information may be compared to confirm payment approval or payment error for the payment amount.

For example, when the payment authorization limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 275 may include the payment authorization limit amount (for example, a recharge amount). The payment amount included in the payment information may be compared to confirm payment approval or a payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 275 preferably processes the payment.

If the payment approval for each payment attribute is not confirmed as a result of the payment approval process (745), the card company server 275 generates a full payment approval result including payment error information and transmits it to the bansa server 200 ( 720).

On the other hand, when the payment approval for each payment attribute is confirmed as a result of the payment approval process (745), the card company server 275 generates a payment processing history including the payment approval result (750).

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

Thereafter, the card company server 275 generates payment processing details including at least one of card information included in the generated payment processing details, payment approval date, payment approval amount, merchant number, and payment approval information (755). In operation 760, the payment processing history is stored in the payment history D / B 297.

In addition, the card company server 275 generates the payment approval result text including the payment processing details and transmits the full text to the bansa server 200 (765).

8 is a diagram illustrating a valid customer wireless terminal information confirmation process for processing a message slip for the merchant VoIP terminal 298 according to the second embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of payment of a card through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. 1, and then the VoIP terminal 298 for the merchant. After confirming the valid customer wireless terminal information, and transmits the confirmed valid customer wireless terminal information to the bansa server 200, the bansa server 200 in the payment approval result corresponding to the credit card payment approval is included in the full payment After generating a payment history access code corresponding to the processing history, and stores the customer wireless terminal information and payment history access code in a storage medium 273 in association with the payment processing history, and through the payment history access code The present invention relates to a process of confirming valid customer wireless terminal information for transmitting a message slip including a payment processing history to a customer terminal 299, which is common in the art. If the person having the formula, by referring to and / or modified in this figure 8 it can be inferred from the various implementation methods for valid customer wireless terminal information confirmation process for message slip processing for the merchant VoIP terminal 298, The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 8, when the card company server 275 generates and transmits a full payment approval result through the payment approval process shown in FIG. 7, the bansa server 200 may transmit the message from the card company server 275 to the card company server 275. The payment approval result is received, and the payment processing history included in the received payment approval result is read to confirm payment approval for the card payment (800).

If the payment approval for the card payment is confirmed (805), the bansa server 200 stores the payment processing details in the storage medium 273 in association with the card company information (810).

Thereafter, the bansa server 200 transmits the full payment approval result to the VoIP terminal (815), and in response, the VoIP terminal receives the full payment approval result and receives a payment processing result included in the full payment approval result. After outputting the details (820), the payment processing history included in the full payment approval result is read to confirm payment approval for the card payment (825).

If the payment approval for the card payment is confirmed (830), the VoIP terminal processes to input valid customer wireless terminal information and outputs an information confirmation interface for confirming valid customer wireless terminal information for the customer (835). In operation 840, the valid customer wireless terminal information is input through the information confirmation interface.

If valid customer wireless terminal information is input through the information confirmation interface (845), the VoIP terminal transmits the verified valid customer wireless terminal information to the bansa server 200 through the data communication channel (850). .

According to another embodiment of the present invention, the VoIP terminal generates a payment history access code for the payment processing history, the bansa server 200 by linking the confirmed valid customer wireless terminal information and the payment history access code It is clear that transmission is possible.

9 is a diagram illustrating a payment approval message transmission process for processing a message slip for a VoIP terminal 298 for an affiliated store according to the second embodiment of the present invention.

In more detail, FIG. 9 illustrates a card payment processing through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. 1, and then the VoIP terminal 298 for the merchant. After confirming the valid customer wireless terminal information, and transmits the confirmed valid customer wireless terminal information to the bansa server 200, the bansa server 200 in the payment approval result corresponding to the credit card payment approval is included in the full payment After generating a payment history access code corresponding to the processing history, and storing the customer wireless terminal information and payment history access code in association with the payment processing history in the storage medium 273, the payment through the payment history access code Sending the message slip including the processing history to the customer terminal (299) Regarding the payment approval message transmission process, the person having ordinary knowledge in the technical field to which the present invention belongs. However, various implementation methods for a payment approval message transmission process for processing message slips for the merchant VoIP terminal 298 may be inferred by referring to and / or modifying the present invention with reference to FIG. 9. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9, when valid customer wireless terminal information is received from the VoIP terminal through the process of confirming the customer wireless terminal information shown in FIG. 8 (900), the bansa server 200 is connected to the storage medium 273. In operation 905, a payment history access code is generated for payment processing details included in the payment approval result provided in the merchant VoIP terminal 298.

According to another embodiment of the present invention, when the VoIP terminal generates and transmits a payment history access code for the payment processing history, the process of generating the payment history access code in the bansa server 200 may be omitted. Is to be made clear.

Thereafter, the bansa server 200 associates the received valid customer wireless terminal information with the generated payment history access code in a payment processing history stored in the storage medium 273 (910), and accesses the payment history. A payment approval message including a code and including the valid customer wireless terminal information to the message receiving side is generated (915).

If the payment approval message is generated 920, the bansa server 200 transmits the generated payment approval message to the customer wireless terminal through a communication network to which the customer wireless terminal is connected (925).

FIG. 10 is a diagram illustrating a message slip processing process for message slip processing for an affiliated store's VoIP terminal 298 according to the second embodiment of the present invention.

In more detail, FIG. 10 illustrates a process of payment of a card through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. 1, and then the VoIP terminal 298 for the merchant. After confirming the valid customer wireless terminal information, and transmits the confirmed valid customer wireless terminal information to the bansa server 200, the bansa server 200 in the payment approval result corresponding to the credit card payment approval is included in the full payment After generating a payment history access code corresponding to the processing history, and storing the customer wireless terminal information and payment history access code in association with the payment processing history in the storage medium 273, the payment through the payment history access code Regarding a message slip processing process of transmitting a message slip including a processing history to a customer terminal 299, a person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for a message slip processing process for processing a message slip for the merchant VoIP terminal 298 may be inferred by referring to and / or modifying the drawing 10, the present invention provides all the inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 10, after the payment approval message including the payment history access code is transmitted to the customer wireless terminal through the payment approval message transmission process illustrated in FIG. 9, the bansa server 200 receives the payment approval. The customer who owns the customer wireless terminal receiving the message checks whether the customer wireless terminal information (or card information) and the payment history access code included in the payment approval message are received through the customer wireless terminal (1005).

If the payment history access code is received (1005), the bansa server 200 in connection with the storage medium 273 of the payment history access code associated with the customer wireless terminal information (or card information) The payment history access code that matches the payment history access code is compared and authenticated (1010).

If the payment history access code is authenticated (1015), the bansa server 200 generates a message slip including payment processing details associated with the payment history access code in association with the storage medium 273 (1020). In step 1025, the created message slip is transmitted to the customer terminal 299.

11 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal 298 for an affiliated store according to a third embodiment of the present invention.

In more detail, FIG. 11 includes the customer wireless terminal information valid for the payment approval request message transmitted from the merchant VoIP terminal 298 shown in FIG. 1 to the bansa server 200 shown in FIG. When the payment is approved for the card, the Bansa server 200 generates a payment history access code corresponding to the payment processing details included in the full payment approval result corresponding to the card payment approval, and the payment approval request. After storing the customer wireless terminal information and the payment history access code included in the full text in the storage medium 273 in association with the payment processing history, a message slip including the payment processing history through the payment history access code is stored in the customer terminal. Payment approval request process for transmitting to (299), if the person of ordinary skill in the art to which the present invention belongs, reference and / or change this figure 11 In this regard, various implementation methods for the payment approval request process for processing message slips for the merchant VoIP terminal 298 may be inferred, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal "

Referring to FIG. 11, the VoIP terminal shown in FIG. 1 reads card information from the customer card through a card reader, and inputs payment information (eg, payment amount, installment months, etc.) through a key input means. (1100), processing to input valid customer wireless terminal information and outputting an information confirmation interface for confirming valid customer wireless terminal information for the customer (1105), whether valid customer wireless terminal information is input through the information confirmation interface; Check (1110).

If valid customer wireless terminal information is input through the information confirmation interface (1115), the VoIP terminal includes the input card information and payment information, and the merchant number and valid customer wireless terminal information stored in the VoIP terminal. Generate the full request (1120).

Thereafter, the VoIP terminal checks a currently connected VoIP based communication channel (eg, a VoIP voice channel through a VoIP gateway and a gatekeeper), and transmits the VoIP based communication channel to the bansa server 200 for data transmission and reception. Switch to (or connect to) 1125.

If the data communication channel is switched (or connected) (1130), the VoIP terminal transmits the full text of the payment approval request to the bansa server 200 through the data communication channel (1135), and the bansa correspondingly. The server 200 receives the full text of the payment approval request transmitted from the VoIP terminal through the communication channel (1140).

According to an embodiment of the present invention, when the payment approval request text is encrypted and transmitted from the VoIP terminal through the bansa encryption key, the bansa server 200 preferably decrypts the encrypted payment approval request text. Do.

Then, the bansa server 200 checks the card information included in the full payment approval request (1145).

According to the implementation method of the present invention, the bansa server 200 may further check the payment information and the merchant number included in the full payment approval request request, thereby the present invention is not limited.

Thereafter, the bansa server 200 reads the checked card information and checks the card company server 275 to relay the full payment approval request message (1150).

According to the method of the present invention, the bansa server 200 preferably reads the BIN of the card information included in the payment approval request full text to confirm the card company information to be relayed transmission of the payment approval request.

If the card company server 275 to relay the payment approval request text is confirmed (1155), the bansa server 200 sends the payment approval request text message (or the payment approval request text message) to the confirmed card company server 275. The card information, payment information and payment approval request information including the merchant number) may be relayed and transmitted (1160).

12 is a diagram illustrating a payment approval process for processing a message slip for a VoIP terminal 298 for an affiliated store according to the third embodiment of the present invention.

In more detail, in FIG. 12, when the payment approval request message is received by the card company server 275 through the payment approval request process shown in FIG. 11, the request is made through the payment approval request message from the card company server 275. Regarding the process of approving the payment, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 12 to process message slips for the VoIP terminal 298 for the merchant. Various implementation methods for the payment approval process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 12, the card company server 275 receives the full payment approval request message from the bansa server 200 through the payment approval request process illustrated in FIG. 11 (1200).

According to the embodiment of the present invention, when the full payment approval request is encrypted and transmitted from the bansa server 200 through the encryption key of the card company server 275, the card company server 275 is the encrypted payment approval request It is desirable to decrypt the full text.

Thereafter, the card company server 275 checks card information, payment information, and merchant number included in the full payment approval request message (1205), and stores the card management D / B 296 through the checked card information. By querying the card information, it is checked whether the card corresponding to the card information matches the customer card (1210).

According to the method of the present invention, the card company server 275 is a card in which the customer card is reported missing in the process of checking the card information, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), Or it is preferably made further comprising the step of checking whether the expiration date of the card.

If the card information does not match with the customer card as a result of the check (1215), the card company server 275 generates the full payment approval result containing the payment error information and transmits to the bansa server 200 ( 1220).

On the other hand, if the card information matches the card with the customer card as a result of the check (1215), the card company server 275 corresponds to the card limit information provided in connection with the card information in the card management D / B (296) The payment approval limit amount for each payment attribute is checked (1230).

According to an embodiment of the present invention, when the customer card includes a postpaid payment attribute (eg, credit card payment attribute), the card company server 275 may read the credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 is associated with the card limit information. It is preferable to check the account information, and check the balance information of the linked account in connection with the financial institution server (not shown) as the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 275 stores the charge amount information included in the card limit information. It is desirable to check the payment authorization limit for the customer card.

If the payment approval limit amount for each payment attribute of the customer card is confirmed (1235), the card company server 275 based on the confirmed payment approval limit amount, the payment attribute for the payment amount included in the full payment approval request. The payment approval is processed (1240).

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 275 is linked to the payment history D / B 297 for a predetermined period of time. And confirm the cumulative payment approval amount approved through the customer card, and add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount ( For example, it is preferable to confirm the payment approval or payment error for the payment amount by comparing the credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is greater than the sum of the sums, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 may include the payment approval limit amount (for example, The balance of the linked account) and the payment amount included in the payment information may be compared to confirm payment approval or payment error for the payment amount.

For example, when the payment authorization limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 275 may include the payment authorization limit amount (for example, a recharge amount). The payment amount included in the payment information may be compared to confirm payment approval or a payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 275 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (1245), the card company server 275 generates a full payment approval result including payment error information and transmits it to the bansa server 200 ( 1220).

On the other hand, when the payment approval for the payment attribute is confirmed as the payment approval processing result (1245), the card company server 275 generates a payment processing history including the payment approval result (1250).

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

Thereafter, the card company server 275 generates payment processing details including at least one of card information included in the generated payment processing history, payment approval date, payment approval amount, merchant number and payment approval information (1255). In operation 1260, the payment processing history is stored in the payment history D / B 297.

In addition, the card company server 275 generates the full payment approval result including the payment processing details and transmits the full text to the bansa server 200 (1265).

FIG. 13 is a diagram illustrating a payment approval message transmission process for message slip processing for an affiliated store's VoIP terminal 298 according to the third embodiment of the present invention.

More specifically, FIG. 13 includes the customer wireless terminal information valid for the payment approval request message transmitted from the merchant VoIP terminal 298 shown in FIG. 1 to the bansa server 200 shown in FIG. When the payment is approved for the card, the Bansa server 200 generates a payment history access code corresponding to the payment processing details included in the full payment approval result corresponding to the card payment approval, and completes the payment approval request message. After storing the customer wireless terminal information and payment history access code included in the storage medium 273 in association with the payment processing history, the message slip containing the payment processing history through the payment history access code to the customer terminal ( 299) to the process of transmitting the payment approval message, if the person of ordinary skill in the art to which the present invention belongs, see and / or this figure 13 It may be modified to infer various implementation methods for the payment approval message transmission process for processing the message slip for the merchant VoIP terminal 298, but the present invention comprises all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in this FIG. 13, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 13, when the card company server 275 generates and transmits the full payment approval result through the payment approval process shown in FIG. 12, the bansa server 200 transmits the card approval from the card company server 275. Receive a payment approval result full text and read the payment processing history included in the received payment approval result full text to confirm payment approval for the card payment (1300).

If the payment approval for the card payment is not confirmed (1305), the bansa server 200 transmits the full text of the payment approval result to the VoIP terminal (1310), and correspondingly the VoIP terminal is the payment approval result Receiving the full text and outputting the payment processing details included in the full text of the payment approval result (1315).

On the other hand, when the payment approval for the card payment is confirmed (1305), the bansa server 200 stores the payment processing history in the storage medium 273 in association with the card company information (1320), the VoIP terminal The payment approval result message is transmitted (1310). In response, the VoIP terminal receives the payment approval result message and outputs the payment processing details included in the payment approval result message (1315).

In addition, the bansa server 200 checks the valid customer wireless terminal information included in the full payment approval request (1325), payment approval provided to the merchant VoIP terminal 298 in connection with the storage medium (273). The payment history access code for the payment processing history included in the full text of the result is generated (1330).

According to another embodiment of the present invention, when the VoIP terminal generates and transmits a payment history access code according to a payment approval in advance to the payment approval request message, the bansa server 200 generates the payment history access code. It is clear that this may be omitted.

Thereafter, the bansa server 200 associates the received valid customer wireless terminal information with the generated payment history access code in the payment processing history stored in the storage medium 273 (1335), and accesses the payment history. A payment approval message including a code and including the valid customer wireless terminal information to the message receiving side is generated (1340).

If the payment approval message is generated (1345), the bansa server 200 transmits the generated payment approval message to the customer wireless terminal through a communication network to which the customer wireless terminal is connected (1350).

FIG. 14 is a diagram illustrating a message slip processing process for message slip processing for an affiliated VoIP terminal 298 according to a third embodiment of the present invention.

More specifically, FIG. 14 includes the customer wireless terminal information valid for the payment approval request message transmitted from the merchant VoIP terminal 298 shown in FIG. 1 to the bansa server 200 shown in FIG. When the payment is approved for the card, the Bansa server 200 generates a payment history access code corresponding to the payment processing details included in the full payment approval result corresponding to the card payment approval, and completes the payment approval request message. After storing the customer wireless terminal information and payment history access code included in the storage medium 273 in association with the payment processing history, the message slip containing the payment processing history through the payment history access code to the customer terminal ( 299) is for the process of processing the message slip, if one of ordinary skill in the art to which the present invention belongs, reference and / or modification of this figure 14 By using the present invention can be inferred from the various implementation methods for the message slip processing process for the message slip processing for the merchant VoIP terminal 298, the present invention is made to include all the inferred implementation method, this figure The technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 14, after the payment approval message including the payment history access code is transmitted to the customer wireless terminal through the payment approval message transmission process illustrated in FIG. 13, the bansa server 200 receives the payment approval. The customer who owns the customer wireless terminal receiving the message checks whether the customer wireless terminal information (or card information) and the payment history access code included in the payment approval message are received through the customer wireless terminal (1405).

If the payment history access code is received (1405), the bansa server 200 is connected to the storage medium 273 in the payment history access code associated with the customer wireless terminal information (or card information). The payment history access code that matches the payment history access code is compared and authenticated (1410).

If the payment history access code is authenticated (1415), the bansa server 200 generates a message slip including the payment processing history associated with the payment history access code in connection with the storage medium (273) (1420). In step 1425, the created message slip is transmitted to the customer terminal 299.

FIG. 15 is a diagram illustrating a payment approval request process for processing a message slip for a VoIP terminal 298 for an affiliated store according to the fourth embodiment of the present invention.

More specifically, FIG. 15 shows customer wireless terminal information from the bansa server 200 when the card payment processing is performed through the bansa server 200 shown in FIG. 2 in the VoIP terminal 298 for the merchant shown in FIG. After receiving the full payment approval result including (or blank wireless terminal information), the merchant VoIP terminal 298 confirms valid customer wireless terminal information corresponding to the customer wireless terminal information (or blank wireless terminal information). Thereafter, when the confirmed valid customer wireless terminal information is transmitted to the bansa server 200, the payment history corresponding to the payment processing details included in the full payment approval result corresponding to the card payment approval in the bansa server 200. After generating an access code, and stores the customer wireless terminal information and payment history access code in the storage medium 273 in association with the payment processing history, and the payment history access code As a payment approval request process for transmitting the message slip containing the payment processing history to the customer terminal 299, if the person skilled in the art to which the present invention pertains, refer to this figure 15 and / Alternatively, it may be modified to infer various implementation methods for the payment approval request process for processing the message slip for the merchant VoIP terminal 298, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

In the following figure 15, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 15, the VoIP terminal shown in FIG. 1 reads card information from the customer card through a card reader and inputs payment information (eg, payment amount, installment months, etc.) through a key input means. In operation 1505, a full payment approval request message including the input card information and payment information and an affiliate store number stored in the VoIP terminal is generated.

Thereafter, the VoIP terminal checks a currently connected VoIP based communication channel (eg, a VoIP voice channel through a VoIP gateway and a gatekeeper), and transmits the VoIP based communication channel to the bansa server 200 for data transmission and reception. Switch to (or connect to) 1510.

If the data communication channel is switched (or connected) (1515), the VoIP terminal transmits the full text of the payment approval request to the bansa server 200 through the data communication channel (1520), and the bansa correspondingly. The server 200 receives the full text of the payment approval request transmitted from the VoIP terminal through the communication channel (1525).

According to an embodiment of the present invention, when the payment approval request text is encrypted and transmitted from the VoIP terminal through the bansa encryption key, the bansa server 200 preferably decrypts the encrypted payment approval request text. Do.

Then, the bansa server 200 checks the card information included in the full payment approval request (1530).

According to the implementation method of the present invention, the bansa server 200 may further check the payment information and the merchant number included in the full payment approval request request, thereby the present invention is not limited.

Thereafter, the bansa server 200 reads the checked card information and checks the card company server 275 to relay the full payment approval request message (1535).

According to the method of the present invention, the bansa server 200 preferably reads the BIN of the card information included in the payment approval request full text to confirm the card company information to be relayed transmission of the payment approval request.

If the card company server 275 to transmit the payment approval request message is confirmed (1540), the bansa server 200 to the payment card approval server (275) to the full payment approval request (or the payment approval request message) The payment request information including the card information, payment information, and the merchant number included) is relayed and transmitted (1545).

FIG. 16 is a diagram illustrating a payment approval process for processing a message slip for a VoIP terminal 298 for an affiliated store according to a fourth embodiment of the present invention.

In more detail, when FIG. 16 receives the payment approval request message from the card company server 275 through the payment approval request process shown in FIG. 15, the card company server 275 is requested through the payment approval request message. As a process for approving a payment, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to process message slips for the VoIP terminal 298 for the merchant. Various implementation methods for the payment approval process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 16, the card company server 275 receives the full payment approval request message from the bansa server 200 through the payment approval request process illustrated in FIG. 15 (1600).

According to the embodiment of the present invention, when the full payment approval request is encrypted and transmitted from the bansa server 200 through the encryption key of the card company server 275, the card company server 275 is the encrypted payment approval request Decrypting the full text is preferable.

Then, the card company server 275 checks the card information, payment information and merchant number included in the full payment approval request (1605), and stored in the card management D / B (296) through the confirmed card information By inquiring the card information, it is checked whether the card corresponding to the card information matches the customer card (1610).

According to the method of the present invention, the card company server 275 is a card in which the customer card is reported missing in the process of checking the card information, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), Or it is preferably made further comprising the step of checking whether the expiration date of the card.

If the card information does not match the card with the customer card as a result of the check (1615), the card company server 275 generates a payment approval result message including payment error information and transmits it to the bansa server 200 ( 1620).

On the other hand, if the card information matches the card with the customer card as a result of checking (1615), the card company server 275 corresponds to the card limit information provided in connection with the card information in the card management D / B (296) The payment approval limit amount for each payment attribute is checked (1630).

According to an embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 275 stores the credit limit amount information included in the card limit information. It is desirable to confirm with the payment authorization limit amount on the card.

According to another exemplary embodiment of the present invention, when the customer card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 is associated with the card limit information. It is preferable to check the account information, and check the balance information of the linked account in connection with the financial institution server (not shown) as the payment authorization limit amount for the customer card.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 275 stores the charge amount information included in the card limit information. It is desirable to check the payment authorization limit for the customer card.

If the payment approval limit amount for each payment attribute of the customer card is confirmed (1635), the card company server 275 based on the confirmed payment approval limit amount, the payment attribute for the payment amount included in the payment approval request text. The payment approval is processed (1640).

According to an exemplary embodiment of the present invention, when the customer card includes a postpaid payment attribute (for example, credit card payment attribute), the card company server 275 is linked to the payment history D / B 297 for a predetermined period of time. And confirm the cumulative payment approval amount approved through the customer card, and add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the sum and the confirmed payment approval limit amount ( For example, it is preferable to confirm the payment approval or payment error for the payment amount by comparing the credit limit amount).

For example, when the payment approval limit amount (eg, the credit limit amount) is greater than the sum of the sums, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 275 may include the payment approval limit amount (for example, The balance of the linked account) and the payment amount included in the payment information may be compared to confirm payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 275 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card company server 275 may include the payment authorization limit amount (for example, a recharge amount). The payment amount included in the payment information may be compared to confirm payment approval or a payment error for the payment amount.

For example, when the payment approval limit amount (for example, the charge amount) is larger than the payment amount, the card company server 275 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (1645), the card company server 275 generates a full payment approval result including payment error information and transmits it to the bansa server 200 ( 1620).

On the other hand, if the payment approval for the payment attribute is confirmed as the payment approval processing result (1645), the card company server 275 generates a payment processing history including the payment approval result (1650).

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

Thereafter, the card company server 275 generates payment processing details including at least one of card information included in the generated payment processing history, payment approval date, payment approval amount, merchant number and payment approval information (1655). In operation 1660, the payment processing history is stored in the payment history D / B 297.

In addition, the card company server 275 generates a payment approval result text including the payment processing details and transmits the full text to the bansa server 200 (1665).

FIG. 17 is a diagram illustrating a valid customer wireless terminal information verification process for processing message slips for a merchant VoIP terminal 298 according to the fourth embodiment of the present invention.

In more detail, FIG. 17 shows the customer wireless terminal information from the bansa server 200 when the card payment processing is performed through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. After receiving the full payment approval result including (or blank wireless terminal information), the merchant VoIP terminal 298 confirms valid customer wireless terminal information corresponding to the customer wireless terminal information (or blank wireless terminal information). Thereafter, when the confirmed valid customer wireless terminal information is transmitted to the bansa server 200, the payment history corresponding to the payment processing details included in the full payment approval result corresponding to the card payment approval in the bansa server 200. After generating an access code, and stores the customer wireless terminal information and payment history access code in the storage medium 273 in association with the payment processing history, and the payment history access code This is about a valid customer wireless terminal information confirmation process for transmitting a message slip containing the payment processing history to the customer terminal (299), a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying, it is possible to infer various implementation methods for valid customer radio terminal information confirmation process for processing message slips for the merchant VoIP terminal 298, but the present invention is directed to all the inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

In the following figure 17, the merchant VoIP terminal 298 shown in FIG. 1 is referred to as " VoIP terminal " for convenience.

Referring to FIG. 17, when the card company server 275 generates and transmits the full payment approval result through the payment approval process shown in FIG. 16, the bansa server 200 transmits the full payment approval result from the card company server 275. Receive a payment approval result full text, and read the payment processing details included in the received payment approval result full text to confirm payment approval for the card payment (1700).

If the payment approval for the card payment is confirmed (1705), the bansa server 200 stores the payment processing details in the storage medium 273 in association with the card company information (1710).

Thereafter, the bansa server 200 checks the customer wireless terminal information associated with the card information included in the payment processing details in association with the storage medium 273 (1715).

If the customer wireless terminal information associated with the card information included in the payment processing details is not confirmed in connection with the storage medium 273 (1720), the bansa server 200 transmits the customer wireless information to the full payment approval result. The terminal information includes blank wireless terminal information processed as blank (1725), and transmits the full payment approval result full text including the blank wireless terminal information to the VoIP terminal (1735). The VoIP terminal receives the payment approval result full text and outputs the payment processing details included in the payment approval result full text (1740). Then, the VoIP terminal reads the payment processing details included in the payment approval result full text for the card payment. Confirm payment authorization (1745).

On the other hand, if the customer wireless terminal information associated with the card information included in the payment processing history in connection with the storage medium 273 is confirmed (1720), the bansa server 200 is the customer wireless terminal to the full payment approval result Information (1730), the payment approval result full text including the customer wireless terminal information is transmitted to the VoIP terminal to the payment approval result full text (1735), and in response, the VoIP terminal transmits the payment approval result full text. After receiving and outputting the payment processing details included in the full payment approval result (1740), and confirms the payment approval for the card payment by reading the payment processing details contained in the full payment approval result (1745).

If the payment approval for the card payment is confirmed (1750), the VoIP terminal processes to input valid customer wireless terminal information, and outputs an information confirmation interface for confirming valid customer wireless terminal information for the customer (1755). In operation 1760, it is checked whether valid customer wireless terminal information is input through the information confirmation interface.

If valid customer wireless terminal information is input through the information confirmation interface (1765), the VoIP terminal transmits the verified valid customer wireless terminal information to the bansa server 200 through the data communication channel (1770). .

According to another embodiment of the present invention, the VoIP terminal generates a payment history access code for the payment processing history, the bansa server 200 by linking the confirmed valid customer wireless terminal information and the payment history access code It is clear that it is possible to transmit to.

18 is a diagram illustrating a payment approval message transmission process for processing a message slip for a VoIP terminal 298 for an affiliated store according to the fourth embodiment of the present invention.

In more detail, FIG. 18 shows a customer wireless terminal from the bansa server 200 when the card payment processing is performed through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. After receiving the full payment approval result including the information (or blank wireless terminal information), the merchant VoIP terminal 298 receives valid customer wireless terminal information corresponding to the customer wireless terminal information (or blank wireless terminal information). After confirming, the valid customer wireless terminal information is transmitted to the bansa server 200, and the bansa server 200 pays the payment corresponding to the payment processing details included in the full payment approval result corresponding to the card payment approval. After generating a history access code and storing the customer wireless terminal information and payment history access code in association with the payment processing history in the storage medium 273, the payment history access code Sending the message slip containing the payment processing history to the customer terminal (299) through the payment approval message transmission process, if the person of ordinary skill in the art to which the present invention pertains, see FIG. Alternatively, it may be modified to infer various implementation methods for the payment approval message transmission process for processing the message slip for the merchant VoIP terminal 298, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 18, when valid customer wireless terminal information is received from the VoIP terminal through the customer wireless terminal information checking process illustrated in FIG. 17 (1800), the bansa server 200 may be connected to the storage medium 273. In operation 1805, the payment history access code for the payment processing details included in the payment approval result provided in the merchant VoIP terminal 298 is linked.

According to another embodiment of the present invention, when the VoIP terminal generates and transmits a payment history access code for the payment processing history, the process of generating the payment history access code in the bansa server 200 may be omitted. Is to be made clear.

Thereafter, the bansa server 200 associates the received valid customer wireless terminal information with the generated payment history access code in a payment processing history stored in the storage medium 273 (1810), and accesses the payment history. And a payment approval message including a code and including the valid customer wireless terminal information to a message receiving party (1815).

If the payment approval message is generated (1820), the bansa server 200 transmits the generated payment approval message to the customer wireless terminal through a communication network to which the customer wireless terminal is connected (1825).

FIG. 19 is a diagram illustrating a message slip processing process for message slip processing for an affiliated store's VoIP terminal 298 according to the fourth embodiment of the present invention.

In more detail, FIG. 19 shows a customer wireless terminal from the bansa server 200 when the card payment processing is performed through the bansa server 200 shown in FIG. 2 in the merchant VoIP terminal 298 shown in FIG. After receiving the full payment approval result including the information (or blank wireless terminal information), the merchant VoIP terminal 298 receives valid customer wireless terminal information corresponding to the customer wireless terminal information (or blank wireless terminal information). After confirming, the valid customer wireless terminal information is transmitted to the bansa server 200, and the bansa server 200 pays the payment corresponding to the payment processing details included in the full payment approval result corresponding to the card payment approval. After generating a history access code and storing the customer wireless terminal information and payment history access code in association with the payment processing history in the storage medium 273, the payment history access code As a message slip processing process for transmitting a message slip including the payment processing history to a customer terminal 299, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or see FIG. It may be modified to infer various implementation methods for the message slip processing process for the message slip processing for the merchant VoIP terminal 298, but the present invention comprises all the inferred implementation method, this figure The technical features are not limited only to the implementation method shown in 19.

Referring to FIG. 19, after the payment approval message including the payment history access code is transmitted to the customer wireless terminal through the payment approval message transmission process illustrated in FIG. 18, the bansa server 200 approves the payment. The customer who owns the customer wireless terminal receiving the message checks whether the customer wireless terminal information (or card information) and the payment history access code included in the payment approval message are received through the customer wireless terminal (1905).

If the payment history access code is received (1905), the bansa server 200 is connected to the storage medium 273 in connection with the customer wireless terminal information (or card information) of the received payment history access code. The payment history access code that matches the payment history access code is compared and authenticated (1910).

If the payment history access code is authenticated (1915), the bansa server 200 generates a message slip including payment processing details associated with the payment history access code in association with the storage medium 273 (1920). In step 1925, the generated message slip is transmitted to the customer terminal 299.

According to the present invention, when the merchant VoIP terminal is manufactured in a handheld form, by processing a payment slip corresponding to a card payment through the merchant VoIP terminal as a message slip and providing the message to the customer wireless terminal, the affiliate store It does not need to have a printing device for printing receipts (or vouchers) in VoIP for processing the card payments while moving in the store, as well as for the convenient delivery of commands through POS in-store equipped with VoIP voice call and VoIP function Use as a portable VoIP phone, there is an advantage to use as a mobile terminal for providing additional services, such as providing a coupon over a communication network.

Claims (10)

Verifying valid customer wireless terminal information for the card payment customer when the card payment is approved; Generating a payment history access code for the payment processing details; And And linking the payment details access code with the confirmed valid customer wireless terminal information to a server on a communication network having (or operating) a storage medium storing the payment processing details for the card payment. Characterized in that the message slip providing method. Confirming valid customer wireless terminal information for the card payment customer when the card payment is approved through the VoIP terminal provided at the affiliated store having a card reader; Generating a payment history access code for payment processing details of the card payment; Generating a payment approval message including the payment history access code and transmitting the verified valid customer wireless terminal information to a message receiving side and transmitting the generated payment approval message to the verified valid customer wireless terminal through a VoIP network; And And transmitting the identified valid customer wireless terminal information and payment history access code to a server on a communication network having (or operating) a storage medium storing payment processing details for the card payment. How to provide a message slip. Confirming valid customer wireless terminal information for the card payment customer when the card payment is approved through the VoIP terminal provided at the affiliated store having a card reader; Generating a message slip including details of payment processing for the card payment and having the confirmed valid customer wireless terminal information as a message receiving side; And And transmitting the generated message slip to the valid customer wireless terminal through a VoIP network. The method according to any one of claims 1 to 3, wherein the step of confirming valid customer wireless terminal information for the card payment customer, Receiving a full payment approval result including the registered customer wireless terminal information (or blank wireless terminal information) from the server on the communication network in association with the customer card information; And And confirming (or changing, or inputting) valid customer wireless terminal information with respect to the customer wireless terminal information (or blank wireless terminal information). The method of claim 1, wherein the payment approval message, Include payment processing details included in the full payment approval result, or Message slip providing method characterized in that it comprises a payment history access code for the payment processing details. Verifying valid customer wireless terminal information for the card payment customer when the card payment is approved; Generate a payment history access code corresponding to the confirmed valid customer wireless terminal information, and the confirmed valid customer wireless terminal information and payment in the payment processing details including the payment approved card information, payment amount information and authorization date and time information Storing the information on the storage medium in association with the access code; Generating a payment approval message including the payment history access code and using the verified valid customer wireless terminal information as a message receiving side; And And processing the generated payment approval message to be transmitted to the valid customer wireless terminal. Receiving valid customer wireless terminal information and payment history access code for the customer from the terminal provided at the merchant when the card payment approval; Storing the confirmed valid customer wireless terminal information and a payment history access code in a storage medium in the payment processing details including the payment approved card information, payment amount information, and approval date and time information; Generating a payment approval message including the payment history access code and using the verified valid customer wireless terminal information as a message receiving side; And And processing the generated payment approval message to be transmitted to the valid customer wireless terminal. The method according to claim 6 or 7, Confirming customer wireless terminal information stored in the storage medium when the payment approval result is transmitted to the terminal provided at the affiliated store; And If the customer wireless terminal information is confirmed, including the confirmed customer wireless terminal information in the full payment approval result, and if the customer wireless terminal information is not confirmed, including the blank wireless terminal information in the full payment approval result Sending to the terminal; Message slip providing method characterized in that it further comprises. The method according to claim 6 or 7, Authenticating the payment history access code in association with the storage medium when a payment processing history request is made through the payment history access code in a customer terminal-customer wireless terminal or a customer wired terminal; And When the payment history access code is authenticated, generating a message slip including payment processing details including payment approved card information, payment amount information, and approval date and time information associated with the payment history access code and transmitting the message slip to the customer terminal. Message slip providing method characterized in that it further comprises. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 6 and 7.

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