KR20100042717A - System and method for processing cash service and terminal with function of processing cash service - Google Patents

Abstract

PURPOSE: A system and a method for processing a cash service and a terminal with a function of processing a cash service are provided to enable a customer to receive a cash service and directly check a cash service breakdown through a payment terminal. CONSTITUTION: A statement generator(570) generates a cash service approval request statement. A statement transmitter(575) transmits the generated cash service approval request statement to the server of a payment network. A statement processor(580) receives a cash service approval statement. The cash service approval statement comprises a cash service processing breakdown. The statement processor displays the cash service processing breakdown on a screen or prints the cash service processing breakdown.

Description

System and Method for Processing Cash Service and Terminal with Function of Processing Cash Service}

1 is a diagram illustrating a face-to-face information registration system for cash service processing and outputting details using a payment terminal according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering cash service processing request information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face information registration system for cash service processing and outputting details using a payment terminal according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering cash service processing request information in a non-face-to-face manner for cash service processing and outputting details using a payment terminal according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a functional configuration of a payment terminal having a cash service processing function according to an embodiment of the present invention.

6 is a diagram illustrating an operation process of a payment terminal having a cash service processing function according to an embodiment of the present invention.

7 is a diagram showing the configuration of a cash service processing system using a payment terminal according to an embodiment of the present invention.

8 is a diagram illustrating a cash service providing process using a payment terminal according to an embodiment of the present invention.

<Description of main parts of drawing>

500: payment terminal 505: control unit

510: card reader 515: screen output unit

520: key input unit 525: power supply unit

530: communication processing unit 535: security application module

540: print output unit 545: printing apparatus

550: memory unit 555: mode confirmation unit

560: information input unit 570: professional generation unit

575: professional transmission unit 580: professional processing unit

The present invention is provided with a payment function, the card generator, a professional generating unit for generating a cash service approval request message containing at least one or more information on the cash service amount information, and the generated cash service approval request message on the payment network Receives a cash service approval message including a specialized transmission unit for transmitting to the server, and a cash service processing history corresponding to the cash service approval request full text from the server on the payment network, the cash service approval included in the cash service approval message The present invention relates to a payment terminal equipped with a cash service processing function including a specialized processing unit for screen output and / or print output.

Currently, payment terminals provided in merchants are generally used for payment of cards (or cash) for tangible and intangible goods sold by merchants.

Recently, when various types of merchants are being created, it is obvious that additional functions are required for the payment terminal.

Therefore, it is time to find ways to allow customers to receive predetermined financial services through affiliated payment terminals, VANs, and financial networks.

For example, a method for receiving cash service through a payment terminal and checking cash service details without visiting a financial institution should be sought.

An object of the present invention for solving the above problems is, to generate a cash service authorization request message containing at least one card information, account information, cash service amount information to a server on the network to transmit to the server, the cash from the server A payment terminal that receives and outputs a cash service approval message corresponding to a service approval request message, and checks whether the cash service corresponding to the cash service approval request message transmitted from the payment terminal is available, processes the cash service, and processes the cash service. The present invention provides a cash service processing system using a payment terminal including a server for generating a cash service approval message including a service provided to the payment terminal.

The cash service processing method using the payment terminal according to the present invention comprises the steps of generating a full cash service approval request message including at least one card information, account information, cash service amount information in the payment terminal to the server, and at the server, Checking the card information (or customer information) corresponding to the full cash service approval request, and checking whether or not the cash service is available for the confirmed card information (or customer information), and if the cash service is available, the financial company in the server And processing a cash service corresponding to the cash service approval request full text in association with a server, and generating a cash service approval text including the cash service processing details from the server and transmitting the cash service approval text to the payment terminal. It features.

According to the invention, the cash service processing method using the payment terminal, characterized in that the server further comprises the step of transmitting a cash service possible result to the payment terminal before the cash service processing.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the cash service processing method using the payment terminal described above.

On the other hand, the payment terminal equipped with a cash service processing function according to the present invention, a specialized generation unit having a payment function, and generates a full text message approval request including at least one card information, account information, cash service amount information And a specialized transmission unit for transmitting the generated cash service approval request message to a server on a payment network, and a cash service approval message including a cash service processing history corresponding to the cash service approval request message from a server on the payment network. Characterized in that it comprises a specialized processing unit for receiving, screen outputting the cash service approvals included in the cash service approval message, and / or print output.

According to the present invention, a payment terminal equipped with the cash service processing function reads and inputs predetermined card information for a cash service using the payment terminal from a customer card, and / or from the predetermined key input means. Characterized in that it further comprises an information input unit for inputting the card information or account information, cash service amount information for the cash service using the terminal.

On the other hand, the cash service processing system using the payment terminal according to the present invention, to generate a cash service approval request message containing at least one card information, account information, cash service amount information to a server on the network to transmit to the server, the A payment terminal that receives and outputs a cash service approval message corresponding to the cash service approval request message from a server and outputs a cash service corresponding to the cash service approval request message transmitted from the payment terminal, and processes the cash service. It characterized in that it comprises a server for generating a cash service approval message including a cash service processing history and providing it to the payment terminal.

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional component provided in at least one or more servers (or terminals), or at least one or more. It may be an association of at least two or more functional components provided in the server (or terminal).

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 illustrating a face-to-face information registration system for cash service processing and outputting details using a payment terminal according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a cash service process including at least one merchant information and payment terminal information for processing and outputting a cash service using the payment terminal to an information registration system through a predetermined information registration interface at a predetermined merchant. When the request information is provided, the information registration system is a system configuration for cooperatively processing the merchant information, payment terminal information included in the provided cash service processing request information and store in a predetermined storage medium 130, the present invention Those skilled in the art will be able to infer various implementation methods for the configuration of an information registration system for processing and outputting cash service using a payment terminal by referring to or modifying the present invention. The invention encompasses all such implementation methods inferred, as shown in FIG. It is not limited only to the practiced method.

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

In addition, the information registration system is characterized in that provided in or associated with the financial system.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for processing a cash service and outputting details using the payment terminal includes an information registration terminal including an employee terminal provided in at least one or more companies. Characterized in that, the information registration terminal is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined dedicated network.

According to one embodiment of the present invention, the affiliated store visits the company (or company) for cash service processing and history output using the payment terminal, and through an information registration window provided to the company (or through an employee). ) Prepare a predetermined application (e.g., a document with a form for filling in at least one information item for processing and outputting a cash service using a payment terminal) using a payment terminal; When the completed application is submitted to the teller, the teller enters (or selects) information written in the application through a predetermined teller terminal, and the teller terminal sends the input (or select) the information to the dedicated network. It is preferable to transmit to the information registration server 100 provided on the information registration system through.

Here, the window terminal preferably comprises a manager terminal used by the staff provided in the corporate headquarters (or branch), the information registration server 100 connected to the window terminal is a server (for example) provided in the company , A web server, etc.), and the dedicated network connecting the window terminal and the information registration server 100 includes an internet or an intranet for connecting a communication channel between the window terminal and the information registration server 100. It is preferable to make it.

In the information registration system as described above, an application created by the affiliated store (employee), a teller terminal used by the employee and a dedicated network connecting the teller terminal and the information registration server 100, the merchant stores the payment terminal. It performs a function of the information registration interface for registering the cash service processing request information to achieve the cash service processing and the output history.

The storage medium 130 provided on the information registration system according to the present invention is a predetermined storage medium by cooperatively processing the affiliate store information and payment terminal information included in the cash service processing request information provided from the information registration terminal ( 130, wherein the cash service processing request information including at least one of the merchant information and the payment terminal information stored in the storage medium 130 is used for processing the cash service and outputting the details using the payment terminal. Is used.

The affiliated store information may include one or more names, addresses, numbers (unique codes), representative names, and phone numbers of the affiliated stores requesting cash service processing and output of the details using the payment terminal.

The payment terminal information is characterized in that it comprises one or more terminal number (or unique code), model (model name) and the like provided in the payment terminal provided in the affiliated store.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined dedicated network, and includes at least one server (or device). It may be implemented to include, or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined dedicated network, the information registration server 100 is a server provided on the information registration system connected to the window terminal through a predetermined dedicated network. (Or an apparatus or a program), whereby the present invention is not limited.

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

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

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined cash service processing request information from the information registration terminal to provide the information registration terminal to the information registration terminal; An information receiving unit 115 which receives predetermined cash service processing request information transmitted (or selected) from the information registration terminal through the user interface in association with the interface unit 105, and the received cash service processing; Validation unit 120 for confirming the validity of the request information, the merchant information contained in the cash service processing request information is confirmed, the validity, In conjunction with processing the information terminal having an information storage unit 125 to store in a storage medium 130 it is characterized in that formed.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) cash service processing request information to the information registration server 100 through the dedicated network, or extracting from a predetermined database (not shown), and extracting the interface unit. In connection with 105, the user interface generated (or extracted) is provided to the information registration terminal through the dedicated network.

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

Thereafter, the information registration terminal inputs (or selects) cash service processing request information including at least one of the merchant information and payment terminal information based on the user interface, and the input (or selected) cash service processing request. Information is transmitted to the information registration server 100 through the dedicated network.

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

When the information receiving unit 115 inputs (or selects) cash service processing request information including at least one of merchant information and payment terminal information through the user interface, the information registration terminal 115 transmits the information through the dedicated network. And the cash service processing request information in connection with the unit 105, and provides the received cash service processing request information to the validity confirming unit 120.

The validity confirming unit 120 checks whether the cash service processing request information received from the information registration terminal satisfies the validity for processing the cash service and outputting the details using the payment terminal.

According to an embodiment of the present invention, the validation of the cash service request information is at least one matched with the cash service request information stored in the storage medium 130 associated with (or provided) the information registration system. It is preferable to include checking whether the information is registered.

For example, the validation of the cash service request information may be performed by storing the merchant information and / or payment terminal information included in the cash service request information in a storage medium 130 associated with (or provided with) the information registration system. It is desirable to include verifying that it matches the stored information.

When the validity of the cash service processing request information is confirmed, the information storage unit 125 associates and stores merchant information and payment terminal information included in the cash service processing request information and stores it in the storage medium 130. When the storage medium 130 is provided in the information registration server 100 or on a network associated with the information registration server 100, the information storage unit 125 receives the received information. Merchant information and payment terminal information included in the cash service processing request information is preferably stored in the storage medium 130 by linking.

2 is a diagram illustrating a process of registering cash service processing request information in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 2, when the information registration server 100 on the information registration system shown in FIG. 1 is connected to an employee terminal through a predetermined dedicated network, the employee terminal is connected to the information registration server 100. After connecting to connect a communication channel for information registration according to the present invention, and transmits the cash service processing request information including the affiliated store information, payment terminal information to the information registration server 100 through the communication channel, An embodiment of the present invention relates to an implementation method for linking and processing affiliate store information and payment terminal information included in the received cash service processing request information in a predetermined storage medium 130. If you have ordinary knowledge in the field, the cash service processing request from the employee terminal to the information registration server 100 by referring to or modifying this figure 2 Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the employee terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 shown in FIG. 1 is referred to as a “server” for convenience, and the information is registered in the window terminal. The merchant information and payment terminal information transmitted to the server 100 is referred to as "cash service processing request information" for convenience.

Referring to FIG. 2, a window terminal shown in FIG. 1 connects to a server through a dedicated network, connects a predetermined communication channel for registering the cash service processing request information, and uses a cash terminal using the payment terminal. When requesting registration of the cash service request information for processing and outputting the details (200), the server generates (or extracts) a predetermined information registration interface for registering the cash service request information (205), and The generated (or extracted) information registration interface is transmitted to the terminal through a communication channel and output (210).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) cash service processing request information including at least one of the merchant information and payment terminal information. Do.

Thereafter, the terminal inputs (or selects) cash service processing request information including at least one or more merchant information and payment terminal information through the information registration interface (215).

If the terminal receives (or selects) cash service processing request information including the affiliate store information and payment terminal information through the information registration interface (220), the terminal inputs (or selects) the information through the dedicated network. Cash service processing request information including merchant information and payment terminal information is transmitted to the server (225).

Thereafter, the server receives and reads the affiliate store information and payment terminal information through the dedicated network and checks the validity of the cash service processing request information (230).

According to an embodiment of the present invention, the validity check of the cash service processing request information may be performed on the storage medium 130 (or D / B) associated with the information registration system and the cash service processing request information. It is preferable to include checking whether at least one matching information is registered.

For example, the validation of the cash service processing request information may include determining that the affiliate store information and / or payment terminal information included in the cash service processing request information is associated with (or provided with) the information registration system. (Or D / B) preferably includes checking whether it matches the information stored in the D / B.

If the validity of the cash service request information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and registers the information corresponding to the cash service request information. Do not perform the procedure.

On the other hand, if the validity of the cash service processing request information is authenticated (235), the server performs an information registration procedure corresponding to the cash service processing request information, thereby linking the affiliated store information and payment terminal information and storing the predetermined information. Stored in medium 130 (245).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 May be a predetermined database provided in the DBMS or linked thereto, and the present invention is not limited thereto.

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

3 is a diagram illustrating a non-face-to-face information registration system for processing a cash service and outputting details using a payment terminal according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates a cash service process including at least one merchant information and payment terminal information for processing and outputting a cash service using the payment terminal to an information registration system through a predetermined information registration interface at a predetermined merchant. When the request information is provided, the information registration system is a system configuration for storing in a predetermined storage medium 330 by cooperatively processing the merchant information, payment terminal information included in the provided cash service processing request information, the present invention Those skilled in the art will be able to infer various implementation methods for the configuration of an information registration system for processing and outputting cash service using a payment terminal by referring to or modifying the drawing 3. The invention encompasses all such implementation methods inferred, as shown in FIG. It shall not be limited to the exemplary method.

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

In addition, the information registration system is characterized in that provided in or associated with the financial system.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for processing a cash service and outputting details using the payment terminal includes a client terminal including at least one wired terminal or a wireless terminal used in a merchant. And at least one information registration terminal, wherein the information registration terminal is connected to a communication channel with an information registration server 300 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the affiliated store connects to the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. Inputting (or selecting) the cash service processing request information for the cash service processing and the output of the details using the payment terminal through the at least one user interface provided by the registration server 300, the client terminal to select a predetermined network means It is preferable to transmit to the information registration server 300 provided on the information registration system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

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

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

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

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

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used in the affiliated store, and at least one wired communication network or wireless connecting the client terminal and the information registration server 300. The communication network performs a function of an information registration interface for registering the cash service processing request information for cash service processing and outputting the details using the payment terminal at the affiliated store.

The storage medium 330 provided on the information registration system according to the present invention performs a predetermined storage medium by cooperatively processing the affiliate store information and payment terminal information included in the cash service processing request information provided from the information registration terminal. And at least one of the affiliated store information and the payment terminal information stored in the storage medium 330 for processing the cash service and outputting the details using the payment terminal. Is used.

The affiliated store information may include one or more names, addresses, numbers (unique codes), representative names, and phone numbers of the affiliated stores requesting cash service processing and output of the details using the payment terminal.

The payment terminal information is characterized in that it comprises one or more terminal number (or unique code), model (model name) and the like provided in the payment terminal provided in the affiliated store.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 May be a predetermined database associated with the DBMS, whereby the present invention is not limited thereto.

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

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

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by connecting a predetermined communication channel with the client terminal and using a communication protocol defined in a communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based application program) provided by the information registration server 300, the interface unit 305 and the client terminal based on the CDMA protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

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

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined cash service processing request information from the information registration terminal to provide the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined cash service processing request information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 305, and the received cash service processing; And an information storage unit 325 for processing the affiliate store information and payment terminal information included in the request information in a predetermined storage medium 330 and storing the information in a predetermined storage medium 330. And that is characterized.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) cash service processing request information to the information registration server 300 through the network means, or extracting from a predetermined database (not shown); The user interface generated in conjunction with the interface unit 305 may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) cash service processing request information including at least one of the merchant information and payment terminal information based on the user interface, and the input (or selected) cash service processing request. Information is transmitted to the information registration server 300 through the network means.

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

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

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

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the cash service processing request information to the information registration terminal and transmitting it to the information registration server 300 through the network means. If the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, thereby the present invention is not limited.

The information receiving unit 315 inputs (or selects) cash service processing request information including at least one of merchant information and payment terminal information through the user interface and transmits the information through the network means. The cash service processing request information is received in connection with an interface unit 305, and the received cash service processing request information is provided to the validity confirming unit 320.

The validity confirming unit 320 checks whether the cash service processing request information received from the information registration terminal satisfies the validity for the cash service processing and the output of the details using the payment terminal.

According to an embodiment of the present invention, the validity check of the cash service processing request information may be performed on the storage medium 330 (or D / B) associated with the information registration system and the cash service processing request information. It is preferable to include checking whether at least one matching information is registered.

For example, the validation of the cash service processing request information may be performed by storing the merchant information and / or payment terminal information included in the cash service processing request information in association with (or provided with) the information registration system. Or confirming whether the information matches the information stored in the D / B).

When the validity of the cash service processing request information is confirmed, the information storage unit 325 processes the affiliate store information and the payment terminal information included in the cash service processing request information to store in the storage medium 330. Characterized in that, when the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit 325 is received Merchant information and payment terminal information included in the cash service processing request information is preferably stored in the storage medium 330 by linking.

4 is a diagram illustrating a process of registering cash service processing request information in a non-face-to-face manner for processing a cash service and outputting details using a payment terminal according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 to connect the communication channel for information registration according to the present invention, the cash service including the merchant information, payment terminal information to the information registration server 300 through the communication channel When the processing request information is transmitted, the information registration server 300 performs an integrated processing of the merchant information and payment terminal information included in the received cash service processing request information to store in a predetermined storage medium 330 As those skilled in the art to which the present invention pertains, the present invention may be referred to or modified with reference to FIG. In this regard, various implementation methods for registering the cash service processing request information with the information registration server 300 may be inferred. However, the present invention includes all the implementation methods inferred from the method shown in FIG. It is not limited.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The merchant information and payment terminal information transmitted to the server 300 is referred to as "cash service processing request information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the cash service processing request information by connecting to the server through a communication network or an IEEE 802.16x-based portable Internet, etc., and for processing the cash service using the payment terminal and outputting the details. When requesting the cash service request information registration (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the cash service request information (405), and establishes the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) cash service processing request information including at least one of the merchant information and payment terminal information. .

In addition, the web page transmission or output process is preferably performed at least once according to the cash service processing request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) cash service processing request information including at least one or more merchant information and payment terminal information through the information registration interface (415).

If the terminal receives (or selects) cash service processing request information including the affiliated store information and payment terminal information through the information registration interface (420), the terminal inputs (or selects) the communication channel. The affiliated store information and payment terminal information are transmitted to the server (425).

According to the embodiment of the present invention, transmitting the input (or selection) of the affiliated store information and the payment terminal information to the server through the communication channel is a cash service processing request input (or selection) through the information registration interface. The method may further include transmitting information to the server by digitally signing or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the affiliate store information and payment terminal information through the communication channel to check the validity of the cash service processing request information (430).

According to the exemplary embodiment of the present invention, checking the validity of the cash service processing request information includes: when the cash service processing request information is electronically signed or encrypted through a security module provided in the terminal, the cash service processing request. Or decrypting the cash service processing request information.

According to an embodiment of the present invention, the validity check of the cash service processing request information may be performed on the storage medium 330 (or D / B) associated with the information registration system and the cash service processing request information. It is preferable to include checking whether at least one matching information is registered.

For example, the validation of the cash service processing request information may be performed by storing the merchant information and / or payment terminal information included in the cash service processing request information in association with (or provided with) the information registration system. Or confirming whether the information matches the information stored in the D / B).

If the validity of the cash service request information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits the generated web page to the terminal (440). Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the cash service processing request information is authenticated (435), the server performs an information registration procedure corresponding to the cash service processing request information, thereby linking the affiliate store information and payment terminal information to a predetermined storage. Stored in medium 330 (445).

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 May be a predetermined database provided in the DBMS or linked thereto, and the present invention is not limited thereto.

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

5 is a diagram illustrating a functional configuration of a payment terminal 500 having a cash service processing function according to an embodiment of the present invention.

In more detail, Figure 5 is an embodiment of a payment terminal 500 having a cash service processing and a history output function in response to a customer's request for a cash service visit to the merchant, the general knowledge in the technical field to which the present invention belongs If the person having the above, it will be able to infer the configuration of the various payment terminal 500 for the cash service processing and the history output by referring to or modifying the figure 5, but the technical features of the present invention is limited by this figure 5 Rather, it is to be understood that the inference includes all implementation methods.

Referring to FIG. 5, a payment terminal 500 having a cash service processing function for processing a cash service and outputting details is basically a control unit 505, a memory unit 550, a card reader unit 510, and a key input unit ( 520, a screen output unit 515, a communication processing unit 530, a security application module 535, a print output unit 540, and a power supply unit 525 for supplying power to the payment terminal 500. It is made, including at least one or more terminal functional units (not shown) according to the intention of those skilled in the art.

The control unit 505 controls the overall operation of the payment terminal 500 in the functional configuration, manages the flow of information or data between each component, the payment for the cash service processing and output history using the payment terminal 500 Characterized in that interlocking and controlling at least one or more components provided in the terminal 500, at least one processor and execution memory (Central Processing Unit (CPU) / Micro Processing Unit (MPU)) in hardware For example, it comprises a register or a RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and predetermined recording for performing a function specific to the payment terminal 500 by software. A predetermined program routine or program that is loaded from the medium into the execution memory and computed by the processor. It includes a data (hence, a predetermined program recorded on the recording medium provided in the payment terminal 500, or a functional configuration provided in the payment terminal 500 for processing the cash service and outputting the details using the payment terminal 500) Among the components that can be processed by software is shown in the control unit 505).

According to the exemplary embodiment of the present invention, the control unit 505 may include components (eg, the memory unit 550, the card reader unit 510, the key input unit 520, and the screen) provided in the payment terminal 500. The payment terminal 500 by interworking the output unit 515, the communication processing unit 530, the security application module 535 and the print output unit 540 or a terminal function unit (not shown) according to the intention of the skilled person. Controlling and managing providing the electronic payment service defined in the above, as well as interworking the components provided in the payment terminal 500 for the cash service processing and output history using the payment terminal 500 according to the present invention. Or to execute a program recorded on a recording medium provided in the payment terminal 500 for cash service processing and output of the details using the payment terminal 500.

The memory unit 550 may input / output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 500 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 505 to perform a predetermined control function. It is done.

The customer who wants to make a predetermined payment (or cash service request) by visiting the affiliated store according to the present invention through the payment terminal 500 is based on an ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, or an ISO / IEC. Carry (or own) a contact IC card (or wireless IC chip) based on the 7816 standard, or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, The card reader 510 may provide an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader unit 510 is an MS reader unit that provides an interface between the MS card and the payment terminal 500, or an interface between the contact IC card and the payment terminal 500. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 500.

The MS reader unit is a card reader unit 510 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 to the payment terminal 500 from at least one or more tracks provided in the MS of the MS card by using the loaded.

The contact IC reader unit is a card reader unit 510 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the payment terminal 500.

The contactless IC reader unit is a card reader unit 510 based on ISO / IEC 14443. At least one contactless IC card may be in electrical contact with a contactless IC card by using capacitive coupling or inductive coupling. It comprises an antenna, and supplies power to the IC chip of the IC card through the antenna, and a predetermined information or data from the IC chip through the half-duplex transaction using the APDU payment terminal ( 500).

According to an embodiment of the present invention, the card reader unit 510 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 510 for the electronic payment service defined in the payment terminal 500. Payment means information corresponding to a payment means including at least one credit card, debit card, debit card, cash card, financial account), and also cancels and / or reprints the authorization according to the present invention. It is preferable to read predetermined card information (eg, card number, etc.) from at least one or more cards.

The key input unit 520 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Information (or a signal) inputted from the device, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the payment terminal 500 controlled by the controller 505. When a (or a signal) is input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 505. Acquire predetermined key data corresponding to the key event in the current input mode or operation mode of the payment terminal 500, or execute a predetermined function that is matched with the key event. Characterized in that for obtaining instruction. The key input unit 520 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 payment terminal 500.

The key input device interoperating with the key input unit 520 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); A keyboard device having a function key, or at least one touch screen device having at least one numeric key and a function key in conjunction with the screen output means, or at least one numeric key, a character key and a function key. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the key input unit 520 may provide key data (eg, payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal 500. It is preferable to perform the function of the key input means for receiving the input), and also using the payment terminal 500 from the key input device for cash service processing and output of the details using the payment terminal 500 according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in a cash service processing and a history output service providing process.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 520 uses the payment terminal 500 according to the present invention in an initial mode or a general payment mode of the operation mode of the payment terminal 500. And a key button for switching to a cash service processing function for cash service processing and a history output.

The screen output unit 515 is a liquid crystal display (LCD) by the control unit 505 while the payment terminal 500 performs a predetermined function (for example, an electronic payment processing function or a cash service function). Or outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. The unit 515 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal 500.

The predefined information or data to be output from the payment terminal 500 to the screen output device may be provided by key data input through the key input unit 520 or a component provided in the payment terminal 500. At least one or more information (or data) stored or generated, information (or data) transmitted / received through the communication processor 530, or (or data) corresponding to a predetermined operation result performed by the payment terminal 500. It is made to include.

According to a preferred embodiment of the present invention, the screen output unit 515 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 500 It is preferable to perform the function of the output means, and also the cash service processing and the history output using the payment terminal 500 to the screen output device for the cash service processing and the history output using the payment terminal 500 according to the present invention. It is preferable to perform a function of screen output means for outputting a processing screen corresponding to each service step.

The communication processor 530 is connected to the communication terminal through a payment network (for example, a value added network (VAN)) while the payment terminal 500 performs a cash service processing and a history output function using the payment terminal 500. For connecting a communication session with a terminal (or device) connected to a server or the payment terminal 500 through a predetermined cable or a terminal (or device) connected to the payment terminal 500 through a predetermined short-range wireless communication. It provides a predetermined communication means, a network communication unit for connecting a predetermined communication channel with a server on a wired or wireless network, or for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port Connect a predetermined communication session with a predetermined short range communication terminal (or device) device through a cable communication unit or at least one short range wireless communication means. Comprised, including the short-range wireless communication unit for group, it comprises a communication protocol or a driver for connecting the communication channel (or communication session) by software.

The network communication unit includes a predetermined wired network or a mobile communication network or wireless data including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Modem for connecting the communication channel with the server on the wired or wireless network through a predetermined wireless network including a communication network, the hardware (Modem) for connecting the payment terminal 500 to a predetermined wired or wireless network or It includes a network interface card (NIC), and includes a communication protocol or driver for software to connect the payment terminal 500 to the wired and wireless network.

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

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

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

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

The secure application module (535) is a confidentiality (Authentication) or authentication (Authentication) or integrity required in the process of the payment terminal 500 performs the electronic payment or electronic payment using the card ( As a safety device for performing security requirements including Integrity) or nonrepudiation in a secure and reliable structure within the payment terminal 500 without using an authentication server (or server) on a payment network, Encrypts or decrypts a predetermined message (information or data) processed in the process of the payment terminal 500 performing a predetermined security request function (for example, an electronic payment or electronic payment function), and forgery (or forgery) of the message. Add an authenticator that prevents the information from being stored in the server or store important information in the process of performing the security request function. It is characterized by.

In general, the security application module 535 is preferably composed of a predetermined security application module 535 inserter and a security application module 535 chip, the security application module 535 chip is a chip containing at least 8 bits or more CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 535 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 500 to perform a predetermined security request function ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove command) It is preferable to comprise a).

The print output unit 540 may process the payment terminal 500 to perform a predetermined function (for example, an electronic payment process or a cash service processing function) or predetermined information or data generated as a result (for example, a payment process result). Information or data) to a predetermined printing apparatus 545 (for example, a receipt printer), and prints the printing information or data through the predetermined printing apparatus 545 according to a predefined printing form. It comprises a printing protocol and a driver for.

Referring to Figure 5, the payment terminal 500 is the operation mode of the payment terminal 500 is the cash service processing function mode for the cash service processing and the history output using the payment terminal 500 according to the present invention. When the mode check unit 555 for checking and the operation mode of the payment terminal 500 is the cash service processing function mode, the operation mode of the payment terminal 500 is the cash service processing mode. In this case, the card reader unit 510 reads and inputs predetermined card information for a cash service using the payment terminal 500 from the customer card, and / or predetermined key information through the key input unit 520. Input card information or account information, cash service amount information for a cash service using the payment terminal 500 from a key input means, and / or the cable communication unit and / or near An information input unit 560 for extracting and inputting card information or account information for a cash service using the payment terminal 500 from at least one terminal (or device) through a wireless communication unit, and the information input unit 560. A professional generation unit 570 for generating a cash service approval request message including at least one of the card information, account information, and cash service amount information input through the communication service unit 530. Cash service including a cash transmission processing history corresponding to the full cash service approval request from the server on the payment network through the communication transmission unit 575 to transmit to the server on the payment network through the); Receiving the approval text, the screen output unit 515 to the cash service approval history included in the cash service approval message It is characterized in that the screen outputs, and / or formed by having a specialized processor 580 for printing output by the print output unit 540.

The mode checking unit 555 periodically performs a cash service mode in which the operation mode of the payment terminal 500 corresponds to a cash service using the payment terminal 500 (or in response to the cash service mode switch key event). It is characterized by checking whether or not.

If the check result is that the operation mode of the payment terminal 500 is not the cash service mode, the payment terminal 500 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 500 is the cash When the service mode is confirmed, the mode check unit 555 outputs the cash service mode check result through the screen output unit 515 and then provides the information to the information input unit 560.

The information input unit 560 is a payment terminal 500 from the customer card through the card reader 510 to process the electronic payment corresponding to the cash service mode for the cash service using the payment terminal 500. Characterized by reading the predetermined card information for the cash service using the input, the input card information is provided to the full text generation unit 570.

In addition, the information input unit 560 from the predetermined key input means through the key input unit 520 to process the electronic payment corresponding to the cash service mode for the cash service using the payment terminal 500 Characterized in that the card information, account information, cash service amount information for the cash service using the payment terminal 500, the input card information, account information, cash service amount information is the specialized generation unit 570 Is provided.

The information input unit 560 may include at least one terminal through the cable communication unit and / or the short range wireless communication unit to process an electronic payment corresponding to a cash service mode for a cash service using the payment terminal 500. Or device) extracting and inputting card information and account information for a cash service using the payment terminal 500, and the input card information and account information are provided to the full text generation unit 570. .

The full text generation unit 570 generates a full text message approval request including at least one of the card information, account information, and cash service amount information input through the information input unit 560, wherein the generation The full cash service approval request is provided to the specialized transmission unit 575.

The specialized transmitter 575 transmits the cash service approval request telegram generated by the specialist generator 570 to a server on a payment network through the communication processor 530. After the server performs a predetermined cash service processing procedure for providing a cash service using the payment terminal 500 through the cash service approval request message, the cash service approval history or cash corresponding to the cash service processing result is performed. A cash service processing history corresponding to any one of service error details is generated, and a predetermined cash service approval message including the cash service processing history is generated and transmitted to the payment terminal 500 through the payment network.

After the cash service approval request message is transmitted to the server through the specialized transmission unit 575, the professional processing unit 580 transmits the cash service approval request message from the server on the payment network through the communication processing unit 530. Periodically (or in response to the full text reception event of the communication processing unit 530), a cash service approval message including a cash service processing history corresponding to the received message is checked periodically.

If the cash service approval message including the cash service processing details corresponding to the cash service approval request message is received through the communication processor 530, the expert processing unit 580 may include the cash service included in the cash service approval message. Characterized in that the processing history (for example, cash service approval history, cash service error history) screen output through the screen output unit 515, and / or print output through the print output unit 540, As a result, the cash service processing procedure using the payment terminal 500 is completed.

6 is a diagram illustrating an operation process of a payment terminal 500 having a cash service processing function according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an embodiment of an operation process of a payment terminal 500 having a cash service processing function for a cash service using the payment terminal 500 illustrated in FIG. 5. Those skilled in the art will be able to infer various operation processes for the cash service using the payment terminal 500 by referring to or modifying the drawing 6, but the technical flow of the present invention is shown in FIG. It is to be understood that the present invention is not intended to be limited thereto, but includes all implementation methods inferred.

Referring to FIG. 6, a cash service process using the illustrated payment terminal 500 may be started from a process of confirming a cash service processing function in the payment terminal 500 illustrated in FIG. 5 (600).

When the cash terminal processing function is confirmed in the payment terminal 500, the payment terminal 500 receives card information, account information, and cash service amount information necessary for the cash service request through a card reader and a key input unit (605). .

If card information, account information, and cash service amount information required for the cash service request are input (610), the payment terminal 500 requests the cash service approval request including the input card information, account information and cash service amount information. Generate a full text (615).

When the cash service approval request message is generated, the payment terminal 500 transmits the generated cash service approval request message to a server on a network to request a cash service (620).

Thereafter, when the cash service approval message including the cash service processing history corresponding to the transmitted cash service approval request message is received from the server (625), the payment terminal 500 screens the received cash service processing history. Print output (630).

7 is a diagram showing the configuration of a cash service processing system using a payment terminal 500 according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a cash service processing request in response to a cash service processing request transmitted from the payment terminal 500 in connection with a payment terminal 500 connected through a predetermined payment channel. As a service processing system for providing to the payment terminal 500, those skilled in the art to which the present invention pertains, cash services using the payment terminal 500 by referring to or modifying the figure 7 Various implementation methods for the configuration of a service providing system for processing may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG. .

Referring to FIG. 7, a service providing system for processing a cash service using the payment terminal 500 performs a cash service processing using a payment terminal 500 and the payment terminal 500 provided in a predetermined offline affiliated store. And a communication network (eg, a Value Added Network (VAN) or a dedicated network) connecting the payment terminal 500 and the server 700 to each other.

In FIG. 7, the server 700 on the service providing system for processing a cash service using the payment terminal 500 is shown as one server including at least one functional component in connection with the payment terminal 500. This is only one embodiment for effectively explaining the technical features of the present invention, the various functional components constituting the server 700 may be implemented through at least two or more separate servers (or devices), and the server It may be provided in the card company server (or financial company server) or in the bansa server, whereby the present invention is not limited.

The offline payment terminal 500 is characterized in that it comprises at least one CAT (Credit Authorization Terminal), or a POS (Point Of Sales) terminal with a payment function, through the at least one card reader After reading predetermined card information from a card, inputting a payment amount through a predetermined key input device, and generating a full payment approval request message including the card information, the payment amount, and the merchant information, the communication network (for example, In addition to the function of transmitting to the server through a value-added communication network (VAN), it has a cash service mode for cash service processing according to the present invention, the card information, account information, cash service amount of the customer requesting the cash service to the server Generate and send the full cash service approval request message including the information, cash service deposit account information, and from the server Group and the cash processing history contained in the telegram received by receiving a cash advance approvals specialized corresponding to the cash service authorization request characterized in that the screen and / or printout.

In addition, the server 700 on the service providing system may include at least one or more servers 700 provided in the card company or bansa to process the payment approval for the card, the payment terminal 500 is The payment terminal 500 automatically checks whether or not the payment settlement amount (or settlement amount for the settlement amount processed through the payment terminal 500) of the affiliated store (eg, payment from a card company) is automatically provided. It is characterized by providing in).

In addition, the communication network connecting the payment terminal 500 and the server 700 in the service providing system is based on at least one or more backbone network, at least one or more payment-related full text between the payment terminal 500 and the server 700 And at least one bansa server (not shown) and a wired / wireless communication network for relaying a cash service-related full text.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal 500 and the technical features of the conventional server 700 and the communication network connecting the payment terminal 500 and the server 700 Since it will be familiar with the technical features, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the server 700 stores the affiliate store information and the payment terminal 500 information received through the information registration server illustrated in FIG. 1 or 3 in association with the deposit history information. It is characterized by.

According to an embodiment of the present invention, when the server 700 is provided at the card company or is linked with the card company, the server information corresponding to the card information issued to the customer and the card information issued to the customer correspond to the card company. A predetermined card information D / B for linking and storing card information and the card attribute information and card limit information corresponding to the card information, or interworking with a predetermined DBMS for operating the card information D / B; Or, it is preferable to work with a DB server (not shown) provided with the card information D / B.

The customer information includes personal information (eg, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the customer who issued the card, and member information (eg, member ID information) of the customer. It is preferable to comprise at least one).

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

According to an embodiment of the present invention, the card information is preferably matched with predetermined payment means information corresponding to the card information, the payment means credit card payment means, check card payment means, debit card payment means, prepaid It is preferable to include at least one or more of the card payment means.

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

Preferably, the card limit information includes information for confirming a limit amount for payment approval for a payment amount using the card according to a payment means characteristic corresponding to the card information or a payment attribute of the card. .

According to an exemplary embodiment of the present invention, when the payment means corresponding to the card information includes a credit card payment means (or postpaid payment attribute), the card limit information includes predetermined credit limit amount information on the card. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the card information includes a check card / debit card payment means (or a debit payment attribute associated with an account) associated with a predetermined account, the card The limit information preferably comprises predetermined account information (or account balance information) associated with the card.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the card information includes a prepaid card payment means (or prepaid payment attribute), the card limit information is pre-filled in the card. It is preferable to include the charge amount information.

Referring to FIG. 7, the server 700 connects a communication channel for cash service processing with at least one payment terminal 500 through a communication network including at least one VAN or a financial common network. The interface unit 705 for managing, the information receiving unit 710 for receiving the full cash service approval request from the payment terminal 500 in connection with the interface unit 705, and the received cash service in connection with a financial company server An information check unit 725 for checking whether the cash service corresponding to the approval request text is available, and a cash service corresponding to the cash service processing request of the customer of the cash service request in connection with the financial company server when the requested cash service is available. An information processing unit 730 for performing the processing, and the cash service confirmed through the information checking unit 725 in association with the interface unit 705 Available results and / or characterized in that formed by an information transfer unit 715 to transfer cash approve professional including a cash processing history to the billing terminal 500.

In addition, the server 700 is characterized in that it comprises an information storage unit 735 for storing the result of the deposit history inquiry in association with the merchant information (or payment terminal 500 information) in a predetermined storage medium. do.

When the payment terminal 500 generates and transmits a cash service approval request message including card information, account information, and cash service amount information according to a customer's cash service request, the information receiving unit 710 is the interface unit ( In connection with 705, a cash service approval request message including the card information, account information, and cash service amount information may be received.

The information checking unit 725 receives a full cash service approval request message including card information, account information, and cash service amount information through the information receiving unit 710, and receives a predetermined financial company (eg, card company, bank, etc.) server. It is characterized in that the check the cash service deposit account corresponding to the affiliated store information (or payment terminal 500 information) and check whether or not the cash service available in connection.

When the cash service requested from the customer is possible, the information processing unit 730 may perform a cash service processing corresponding to the cash service processing request of the cash service request customer in connection with the financial company server.

In addition, the information processing unit 730 is characterized in that for generating a cash service approval message including the cash service processing history.

According to the exemplary embodiment of the present invention, when the server 700 is provided in the financial company server, the information processing unit 730 may deposit the cash service request amount into the cash service deposit account of the customer.

The information transmitting unit 715 generates a cash service approval message including a cash service possible result and / or a cash service processing history confirmed through the information checking unit 725 in connection with the interface unit 705. Characterized in that the transmission to the payment terminal 500.

8 is a diagram showing a cash service providing process using the payment terminal 500 according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a cash service process in connection with a payment terminal 500 connected through a predetermined payment channel on the system shown in FIG. As an implementation method for the process provided by the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs, the process of providing a service for processing a cash service using the payment terminal 500 by referring to or modifying the drawing 8. Although various embodiments of the present invention may be inferred, the present invention includes all the inferred embodiments, and the technical features are not limited to the embodiments shown in FIG.

Referring to FIG. 8, the illustrated automatic payment inquiry service process may be started from the process of transmitting the full cash service approval request message from the payment terminal 500 to the server (800).

When the full cash service approval request is sent, the server checks the cash service limit of the card (or account or customer) corresponding to the full cash service approval request (805).

If the cash service limit of the card (or account or customer) is confirmed (810), the server interoperates with the storage medium to obtain account information corresponding to the cash service authorization request information (eg, cash service deposit account information). Check (815).

When the cash service deposit account information is confirmed (820), the server performs a cash service approval process corresponding to the cash service approval request information requested by the customer in association with the financial institution server (825), and the cash service processing history Generate a cash service approval message including a and transmits to the payment terminal 500 (830).

Thereafter, the payment terminal 500 receives the cash service approval message, and outputs / prints the cash service processing details included in the received cash service approval message.

According to the present invention, it is possible to receive a cash service through a payment terminal and check the cash service details directly without visiting a financial institution through a payment terminal equipped with a cash service function.

Claims (6)

Generating a full cash service approval request message including at least one of card information, account information, and cash service amount information from a payment terminal and transmitting the same to a server; Checking card information (or customer information) corresponding to the full cash service approval request message at a server, and checking whether the cash service is available for the confirmed card information (or customer information); If the cash service is available, processing a cash service corresponding to the full cash service approval request in association with the financial company server at the server; And And generating a cash service approval message including the cash service processing history in a server and transmitting the generated cash service approval message to the settlement terminal. The method of claim 1, And transmitting the cash service enabled result to the payment terminal before the cash service processing at the server. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the payment terminal having a payment function, A full text generation unit for generating a full text message approval request including at least one card information, account information, and cash service amount information; A specialized transmission unit for transmitting the generated cash service approval request message to a server on a payment network; Receive a cash service approval message including a cash service processing history corresponding to the cash service approval request message from the server on the payment network, and outputs the cash service approval history included in the cash service approval message, and / or A payment terminal with a cash service processing function, characterized in that it comprises a; The method of claim 4, wherein Card information or account information for a cash service using the payment terminal from a customer card, and / or reading predetermined card information for a cash service using the payment terminal, and / or an amount of cash service Payment terminal with a cash service processing function characterized in that it further comprises an information input unit for inputting information. Generate a cash service approval request message including at least one card information, account information, and cash service amount information to a server on a network, and transmit the cash service approval request message to the server. A payment terminal for receiving and outputting; And A server for processing a cash service by checking whether a cash service corresponding to the full cash service approval request message transmitted from the payment terminal is available, and generating a cash service approval message including the cash service processing history and providing the cash service approval message to the payment terminal; Cash service processing system using a payment terminal, characterized in that comprises a.

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