KR20100053245A - Method and system for issuing cash receipt by using multi processing message, affiliate terminals and program recording medium - Google Patents

Abstract

PURPOSE: A cash receipt issuing method and a system thereof and a member shop terminal and a recording medium for issuing a cash receipt without separate message transceiving charge are provided to transmit multiprocessing document by adding a payment approval request message. CONSTITUTION: An information storage unit(360) stores the cash receipt information. A cash receipt issuing unit(365) outputs the cash receipt in which the cash receipt information is included. A cash receipt confirming unit(375) confirms the cash receipt information. A message configuring unit constitutes the multiprocessing message for the settlement approval request and cash receipt information.

Description

Method and System for Issuing Cash Receipts Using Multi-Processing Text and Merchant Terminals and Recording Media

1 is a diagram showing a cash receipt issuing system configuration for issuing a cash receipt through a multi-processing full text according to an embodiment of the present invention.

2 is a diagram illustrating a device configuration of an affiliated store terminal for issuing a cash receipt through a multi-processing telegram in accordance with an embodiment of the present invention.

3 is a diagram illustrating a functional configuration of an affiliated store terminal issuing a cash receipt through a multi-processing full text according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating a multi-processing specialized structure including one or more pieces of cash receipt information in a full payment approval request message and transmitting the same to a bansa server according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a configuration of a bansa server system for issuing cash receipts through a multi-processing text message according to an embodiment of the present invention.

6 is a diagram illustrating a process of issuing a cash receipt through a multi-processing telegram in accordance with an embodiment of the present invention.

7 is a diagram illustrating a process of encrypting cash receipt information with a bansa encryption key in a cash receipt issuing process according to an embodiment of the present invention.

8 is a diagram illustrating a process of constructing a multi-processing telegram for providing card payment and cash receipt information according to an embodiment of the present invention and transmitting the same to a bansa server.

9 is a diagram illustrating a card payment processing process through a full payment approval request according to an embodiment of the present invention.

10 is a view showing a multi-processing professional processing for card payment and cash receipt issuance in accordance with an embodiment of the present invention.

11 is a diagram illustrating a decoding process of cash receipt information included in a multi-processing preamble in accordance with an embodiment of the present invention.

12 is a diagram illustrating a process of outputting a card payment and a cash receipt issuing result according to an embodiment of the present invention.

<Description of main parts of drawing>

100: merchant terminal 105: Bansa server

110: card company server 115: IRS server

According to the present invention, when the cash receipt is issued at a merchant terminal, the cash receipt information is stored in a bansa cash receipt storage area, and the cash receipt information is stored in the bansa cash receipt storage area. After the receipt issuing request message is transmitted, the cash receipt issuance response message is processed as received, and the printout of the cash receipt including the cash receipt information is printed and transmitted to the bansa server in response to the card payment request through the merchant terminal. Confirming that the payment approval request text is generated; and verifying at least one cash receipt information stored in the cash receipt storage area of the bansa when the payment approval request text is generated, and, as a result, the at least one cash receipt information. Is confirmed, the payment approval request in full The establishment of at least one cash receipt information item for adding (or inserting) cash receipt information of the company, and adding (or inserting) the confirmed cash receipt information to the cash receipt information item to provide payment approval request and cash receipt information. The present invention relates to a method for issuing a cash receipt using a multi-processing telegram, comprising: constructing a multi-processing telegram for the service; and transmitting the multi-processing telegram to the bansa server.

A cash receipt system is in place to ensure fair and reliable tax revenues. Here, the cash receipt system inputs the cash payment amount and customer identification information through the merchant terminal provided in each affiliate store, and specializes it and passes it to the IRS through the ban, so that the cash settlement amount generated at the merchant can be immediately confirmed. As, all merchant terminals currently provided in the merchant is provided with a cash receipt issuing function.

However, the current cash receipt system requires a professional exchange once per cash payment, which causes a special exchange for each cash payment, which in turn causes a special exchange fee for issuing cash receipts. .

An object of the present invention for solving the above problems is a professional receiving means for receiving a multi-processing message including a payment approval request information item and at least one cash receipt information item for card payment from the merchant terminal, and from the multi-processing message Information extraction means for extracting payment approval request information and at least one cash receipt information, generating a payment approval request message including the extracted payment approval request information, and generating at least one cash receipt information including at least one cash receipt information; A professional generation means for generating a receipt issuing request message, a specialized transmission means for transmitting the full payment approval request message to a card company server, and transmitting the generated at least one cash receipt issuing request message to a national tax office server; First professional identification and one or more cash receipts for Information storage means for storing at least one second professional identification information corresponding to a blue message on a storage medium, and a payment approval response message corresponding to the first professional identification information is received from the card company server in association with the storage medium. And, a professional confirmation means for confirming whether at least one cash receipt issuance response message corresponding to the second professional identification information is received from the IRS server, the payment approval response message and the cash receipt issuance response message are received. Establish a cash receipt information item for adding (or inserting) a cash receipt issuance result information corresponding to the entire cash receipt issuance to the response message, and adding the confirmed cash receipt issuance result information to the cash receipt information item ( Multi-response message for payment approval response and cash receipt confirmation It is a specialized professional configuration means and the multiple responses that make up the multi-processing providing a cash receipt printing system using a professional comprising the specialized processing means for transmitting to the merchant terminal.

Cash receipt issuing method using a multi-processing full text according to the present invention, when issuing a cash receipt in the merchant terminal, storing the cash receipt information in the Bansa cash receipt storage area, the cash receipt in the Bansa cash receipt storage area Processing the receipt of the receipt of the receipt of the cash receipt after the transmission of the entire receipt of the cash receipt issuing information to the IRS server through the bansa, and printing and outputting the cash receipt including the receipt of the cash receipt; Confirming that a payment approval request message is generated to be transmitted to a bansa server in response to a card payment request through the card; and confirming at least one cash receipt information stored in the bansa cash receipt storage area when the payment approval request message is generated. Step, and as a result of the confirmation, at least one cash receipt information is confirmed. In addition, at least one cash receipt information item for adding (or inserting) the at least one confirmed cash receipt information to the full payment approval request is added, and the confirmed cash receipt information is added to the cash receipt information item ( Or inserting) to construct a multi-processing telegram for providing payment approval request and cash receipt information, and transmitting the multi-processing telegram to the bansa server.

In addition, receiving a multi-processing preamble including a payment approval request information item and at least one cash receipt information item for card payment from the merchant terminal, extracting the payment approval request information and at least one cash receipt information from the multi-processing preamble. Generating a full payment approval request message including the extracted payment approval request information, generating one or more full cash receipt issuing request text including the extracted one or more cash receipt information, and the payment approval request Transmitting the full text to the card company server, and transmitting the generated one or more cash receipt issuing request texts to the IRS server, and corresponding to the first professional identification information for the payment approval request text and one or more cash receipt issuing texts. Store one or more second specialized identification information in storage media in association And a payment approval response message corresponding to the first professional identification information is received from the card company server in association with the storage medium, and at least one cash receipt issuing response corresponding to the second professional identification information is received from the IRS server. Checking whether the full text is received, and if the full text of the payment approval response and the receipt of the cash receipt is received, add (or insert) the cash receipt issuance information corresponding to the full receipt of the cash receipt issuance to the payment approval response. Comprising a step of establishing a cash receipt information item for the purpose, and adding (or inserting) the confirmed cash receipt issuance result information to the cash receipt information item to form a multi-response message for payment approval response and cash receipt issuance confirmation And transmitting the multi-response full text to the affiliated store terminal. Characterized in that where the lure.

The method may further include: receiving a multi-response full message from a bansa server, extracting payment approval response information and cash receipt issuance information from the multi-response full text, printing and outputting the payment approval response information, and printing the bansa cash receipt. And deleting the cash receipt information corresponding to the cash receipt issuing result information from the cash receipt information stored in the storage area.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-mentioned method for issuing a cash receipt using a multi-processing full text.

Merchant terminal according to the present invention, when issuing a cash receipt in the merchant terminal, the information storage unit for storing the cash receipt information in the Bansa cash receipt storage area, and the cash receipt information is stored in the Bansa cash receipt storage area said The cash receipt issuance and the merchant terminal are printed and printed out the cash receipt including the cash receipt information after the full receipt of the cash receipt issuance request is sent to the IRS server through Bansa. A card payment confirmation unit for confirming that a payment approval request message is generated to be transmitted to a bansa server in response to a card payment request, and at least one cash receipt information stored in the bansa cash receipt storage area when the payment approval request message is generated. Cash receipt confirmation unit to confirm, and the result of the confirmation, one or more cash receipts If the receipt information is confirmed, a new cash receipt information item for adding (or inserting) the at least one confirmed cash receipt information to the full payment approval request is established, and the confirmed cash receipt information is added to the cash receipt information item. It is characterized in that it comprises (or insert) a specialized component constituting a multi-processing telegram for providing payment approval request and cash receipt information and a specialized transmission unit for transmitting the multi-processing telegram to the bansa server.

In addition, a professional receiving unit for receiving a multi-response full message containing payment approval response information and cash receipt issuance information from the Bansa server, an information extraction unit for extracting the payment approval response information and cash receipt issuance result information from the multi-response message; And a cash receipt management unit for deleting cash receipt information corresponding to the cash receipt issuance result information from the cash receipt information stored in the cash receipt storage area of the bansa.

The system for issuing a cash receipt using a multi-processing telegram according to the present invention includes: a professional receiving means for receiving a multi-processing telegram including a payment approval request information item and at least one cash receipt information item for card payment from a merchant terminal; Information extraction means for extracting payment approval request information and at least one cash receipt information from a multi-processing text message, generating a payment approval request message including the extracted payment approval request information, and including the extracted at least one cash receipt information; A professional generating means for generating at least one cash receipt issuing request telegram, a special transmission means for transmitting the full payment approval request telegram to a card company server, and transmitting the generated at least one cash receipt issuing telegram to the IRS server; At least one first identification information for the full payment approval request An information storage means for storing at least one second professional identification information corresponding to a request for issuing a cash receipt in a storage medium and a payment approval response corresponding to the first professional identification information from the card company server in association with the storage medium; When the full text is received, the professional confirmation means for confirming whether the at least one cash receipt issuance response message corresponding to the second professional identification information is received from the IRS server, and the payment approval response message and the cash receipt issuance response message are received. A cash receipt information item for adding (or inserting) a cash receipt issuance result information corresponding to the cash receipt issuance response message to the payment approval response message is newly established, and the confirmed cash receipt issuance result information is added to the cash receipt information item. (Or insert) to confirm payment authorization and to issue cash receipt. And a specialized professional configuration means and the multiple responses that make up the multi-response message, wherein comprising the specialized processing means for transmitting to the merchant 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.

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

1 is a diagram showing a cash receipt issuing system configuration for issuing a cash receipt through a multi-processing full text according to an embodiment of the present invention.

In more detail, Figure 1 is an affiliated store terminal 100 provided in at least one affiliated store, a bansa server 105 and the bansa server 105 connected to the affiliated store terminal 100 through a communication network and one connected through a dedicated network. In the cash receipt issuing system consisting of the card company server 110 and the National Tax Service server 115, at least one cash receipt information item is newly established in the full payment approval request in connection with the affiliated store terminal in the bansa server 105 The system configuration for issuing cash receipts through multi-processing text is shown.

Referring to Figure 1, a cash receipt issuing system for issuing a cash receipt through the multi-processing full text, when generating the payment approval request for the card payment, at least one cash receipt information in the cash receipt storage area provided in the memory unit When the cash receipt information is confirmed, the merchant terminal 100 for constructing a multi-processing text message having newly established at least one cash receipt information item in the payment approval request message and transmitting it to the bansa server 105; Wired communication network, mobile communication network, wireless data communication network (eg HSDPA) including one or more merchant terminal 100, a Public Switched Telephone Network (PSTN), a wired data communication network (e.g., TCP / IP-based wired communication network) -Communication via a wireless communication network including one or more Speed Downlink Packet Access (WLAN) based wireless network, IEEE 802.16x based portable Internet, etc.) The bansa server 105 connected to each other, the card company server 110 (including a financial company server) for each card company connected to the bansa server 105 through a dedicated network for card payment, and the bansa server 105 for issuing a cash receipt. And the IRS server 115 connected through a dedicated network.

In order to issue a cash receipt through a multi-processing full text, the affiliated store terminal 100 may receive cash receipt issuance information (eg, cash payment amount and customer identification information), merchant information, and professional identification information (eg, slip) for issuing the cash receipt. Generating cash receipt information including one or more serial numbers) and storing the generated cash receipt information in a Bansa cash receipt storage area provided in a memory.

For payment by the card, the affiliated store terminal 100 connects a communication channel with the bansa server 105 through the communication network, and includes one or more payment approval request messages including card information, payment information, merchant information, and professional identification information. And generating the full payment approval request message to the bansa server 105 through the communication channel.

In order to issue a cash receipt through a multi-processing text, the affiliated store terminal 100 checks whether at least one cash receipt information is stored in a cash receipt storage area provided in a memory unit when generating the payment approval request text. When confirming the receipt information, characterized in that for configuring the multi-processing text message newly established at least one cash receipt information item in the payment approval request message to transmit to the bansa server 105.

When the affiliated store terminal 100 transmits the full payment approval request message, the bansa server 105 connects a communication channel for professional transmission and reception with the affiliated store terminal 100 through the communication network, and the merchant terminal ( In step 100), if a payment approval request message including one or more card information, payment information, merchant information, and professional identification information is generated and transmitted through the communication channel, the payment approval request message is received through the communication channel. do.

Alternatively, when the merchant terminal 100 configures and transmits the multi-processing telegram from the payment approval request telegram, the bansa server 105 is configured for professional transmission and reception with the merchant terminal 100 through the communication network. The communication channel is connected, and the multi-processing telegram is received from the affiliated store terminal 100 through the communication channel.

When the payment approval request message is received from the affiliated store terminal 100 according to an embodiment of the present invention, the bansa server 105 checks the BIN information from the card information included in the payment approval request message, and then the BIN. Check the card company server 110 to relay the payment approval request full text referring to a table, and relay the payment approval request text to the card company server 110 through a dedicated network connected to the confirmed card company server 110 ( Or relay transmission after the professional conversion according to the professional exchange protocol defined between the bansa server 105 and the card company server 110).

When the bansa server 105 relays the payment approval request message, the card company server 110 may limit the amount corresponding to the card information included in the payment approval request message (or the balance of the account associated with the card information). And confirming the payment by comparing the limit amount with the payment amount included in the payment information, and approving the payment, and upon approval of the payment, the card information, payment information, merchant information and payment approval information corresponding to the payment approval. It is characterized by storing in the payment history D / B in conjunction with.

After the payment approval procedure for the full payment approval request is completed, the card company server 110 stores the card information, payment information, merchant information, slip identification information, and payment result information (eg, payment approval information and payment error information). Generate payment approval response information including, and generate a payment approval response message including the payment approval response information to transmit to the bansa server 105, the bansa server 105, the payment approval response Characterized in that the transmission to the merchant terminal 100.

According to another embodiment of the present invention, when the multi-processing preamble is received from the affiliated store terminal 100, the bansa server 105 extracts the payment approval request information from the multi-processing preamble and configures a payment approval request preamble. And relaying the card company server 110 corresponding to the card information included in the payment approval request text to process payment approval, extracting one or more cash receipt information from the multi-processing text message, and extracting the information. The one or more cash receipt issuing request message containing one or more cash receipt information is generated and transmitted to the IRS server 115 to process the cash receipt through the IRS server 115, wherein the bansa server ( When one or more full receipts of cash receipt issuance requests are received from 105, the IRS server 115 receives each cash receipt. A cash receipt issuance procedure corresponding to the full text issuance request is performed, and a cash receipt issuance response text corresponding to the receipt is generated and transmitted to the bansa server 105.

Subsequently, a payment approval response message including payment approval response information is received from the card company server 110, and a cash receipt including information on issuance of cash receipts corresponding to the cash receipt request message is received from the IRS server 115. When the issuance response message is received, the bansa server 105 establishes a cash receipt information item for adding (or inserting) a cash receipt issuance result information corresponding to the cash receipt issuance response message to the payment approval response message, and By adding (or inserting) the confirmed cash receipt issuance result information to the cash receipt information item, a multi-reply message for payment approval response and cash receipt issuance confirmation is configured and transmitted to the affiliated store terminal 100. .

2 is a diagram illustrating a device configuration of an affiliated store terminal for issuing a cash receipt through a multi-processing message according to an embodiment of the present invention.

Referring to FIG. 2, a merchant terminal for issuing a cash receipt through a multi-processing full text includes a control unit 200, a memory unit 240, a card reader unit 205, a key input unit 215, and a screen output unit 210. And a power supply unit (not shown) for supplying power to the communication processing unit 220, the security application module 225, the print output unit 230, and the affiliated store terminal, and one or more terminal functions according to the intention of those skilled in the art. It includes a part (not shown).

The control unit 200 controls the overall operation of the affiliated store terminal in terms of function configuration, manages the flow of information or data between each component, and interoperates and controls one or more components provided in the affiliated store terminal. In addition, at least one processor including a CPU (Central Processing Unit) / Micro Processing Unit (MPU) and execution memory (for example, a register and / or random access memory (RAM)) and a bus for inputting and outputting predetermined data in hardware ( And BUS).

According to the exemplary embodiment of the present invention, the control unit 200 includes components (eg, the memory unit 240, the card reader unit 205, the key input unit 215, and the screen output unit 210) provided in the affiliated store terminal. ) And the communication processing unit 220 and the security application module 225 and the print output unit 230 and the terminal function unit (not shown) according to the intention of those skilled in the art) to provide a card payment through the merchant terminal To control and manage, as well as to control the components provided in the affiliated terminal for issuing a cash receipt through a multi-processing full text interlocked, or to the merchant terminal for issuing a cash receipt through the multi-processing full text It is preferable to execute the program recorded on the recording medium.

The memory unit 240 stores a predetermined program routine (or code) and program data (for example, information or data input and output when an operation by the program routine (or code) is performed) for controlling the overall operation of the affiliated store terminal. A general term of non-volatile memory for storage, including one or more storage means including EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), HDD (Hard Disk Drive), the control unit 200 Is stored in a predetermined program routine and program data (eg, data input or outputted by the program routine to perform a predetermined function) required to perform a predetermined control function.

According to an exemplary embodiment of the present invention, the memory unit 240 stores merchant information (eg, merchant number, terminal ID, etc.) for identifying the affiliated store when the card payment and cash receipt is issued through the affiliated store terminal. It is preferable.

According to the exemplary embodiment of the present invention, the memory unit 240 preferably includes a Bansa cash receipt storage area for storing cash receipt information.

According to an embodiment of the present invention, when the affiliated store terminal transmits and receives a full text message to one bansa, the memory unit 240 preferably includes one cash receipt storage area corresponding to one bansa.

According to another exemplary embodiment of the present invention, when the affiliated store terminal transmits and receives a professional message to a plurality of bansa, the memory unit 240 preferably includes a plurality of bansa cash receipt storage areas.

If the cash receipt information is encrypted through the bansa encryption key is stored in the cash receipt storage area, the memory unit 240, preferably stores the bansa encryption key to encrypt the cash receipt information, According to the intention of the skilled person, the bansa encryption key may be stored in the security application module 225.

The card reader unit 205 is characterized in that it provides an interface for reading card information from the customer card to process the card payment through the merchant terminal.

According to an embodiment of the present invention, the card reader unit 205 may include an MS reader unit providing an interface between the MS card and the affiliated store terminal, and a contact IC reader unit providing an interface between a contact IC card and the affiliated store terminal. And at least one contactless IC reader configured to provide an interface between the contactless IC card and the affiliated store terminal.

The MS reader unit is a card reader unit 205 based on ISO / IEC 7810, and includes one or more magnetic heads including a predetermined coil, and includes predetermined information (eg, magnetized binary ( When the MS card on which the data is recorded is moved in close contact with the magnetic head (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is applied to the magnetic head. It is characterized by interfacing predetermined information or data from the one or more tracks provided in the MS of the MS card to the affiliated store terminal by using the loaded one.

The contact IC reader unit is a card reader unit 205 based on ISO / IEC 7816, and includes one or more contact points that make electrical contact with a chip on board (COB) provided in a contact IC card. Merchant is supplied to the IC chip of the IC card through the contact point, 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 terminal.

The contactless IC reader unit is a card reader unit 205 based on ISO / IEC 14443. One or more antennas which are in electrical contact with a contactless IC card by using capacitive coupling or inductive coupling. It comprises a, and supplies power to the IC chip of the IC card through the antenna, interfacing the predetermined information or data from the IC chip to the merchant terminal through the half-duplex transaction using the APDU Characterized in that.

According to the exemplary embodiment of the present invention, the card reader unit 205 may read predetermined card information from the card reader unit 205 for card payment through the affiliated store terminal.

The key input unit 215 detects information (or a signal) input from a predetermined key input device having one or more key buttons including one or more numeric keys, character keys, and function keys, and transmits the information to the controller 200. When predetermined information (or a signal) is input from a predetermined key button provided in the key input device in a specific input mode or operation mode of the affiliated store terminal controlled by the key, the key event corresponding to the input information (or signal) is input. And generating the generated key event to the controller 200, wherein the controller 200 is configured to provide predetermined key data corresponding to the key event in a current input mode or an operation mode of the affiliated store terminal. Acquire or obtain a command for executing a predetermined function matched with the key event. The key input unit 215 and the key input device having one or more key buttons interoperate with each other to perform a function of key input means provided in the affiliated store terminal.

The key input device interworking with the key input unit 215 may include a keypad device having one or more numeric keys and function keys, and one or more numeric keys and character keys (eg, English character keys, Korean character keys) and function keys. It is preferable to include at least one numeric key and a function key in conjunction with a keyboard device and the screen output means, or at least one touch screen device having at least one numeric key, a character key and a function key.

According to the embodiment of the present invention, the key input unit 215 is a key input for receiving key data (eg, payment amount, etc.) corresponding to the card payment from at least one key input device for card payment through the merchant terminal It is preferable to perform the function of the means, and it is also preferable to perform the function of the key input means for receiving one or more key data required in the cash receipt issuance process from the key input device.

According to one embodiment of the invention, the key input device corresponding to the key input unit 215 is provided with a key button for switching the operation mode of the merchant terminal from the initial mode or payment mode to the cash receipt mode for issuing cash receipts. It is preferable to make it.

The screen output unit 210 may define one or more information or data that is predefined or defined in real time to be output to the screen output device by the controller 200 in the process of performing a card payment through the affiliated store terminal. Characterized in that the output through the screen, the screen output unit 210 and the screen output device interlocks to perform the function of the screen output means provided in the affiliated store terminal.

The information or data predefined to be output from the affiliated store terminal to the screen output device may be key data input through the key input unit 215, or information stored or generated by a component included in the affiliated store terminal. Data), information (or data) transmitted / received through the communication processor 220, and one or more information (or data) corresponding to a predetermined operation result performed by the affiliated store terminal.

According to a preferred embodiment of the present invention, the screen output unit 210 has a function of the screen output means for outputting a card payment processing screen according to each card payment step to the screen output device for card payment through the merchant terminal It is preferable to perform, and it is also preferable to perform the function of the screen output means for outputting the processing screen corresponding to the step of issuing the cash receipt to the screen output device.

The communication processor 220 connects a communication channel with a bansa server through a predetermined communication network in a process of performing a card payment through the affiliated store terminal, and communicates for connecting the communication channel (or communication session). This includes the protocol and drivers.

The communication processing unit 220 may include a wired communication network, a mobile communication network, a wireless data communication network (eg, HSDPA) including one or more public switched telephone networks (PSTNs) and wired data communication networks (eg, TCP / IP-based wired communication networks). (High-Speed Downlink Packet Access) based wireless communication network, IEEE 802.16x-based portable Internet, etc.) characterized in that connecting the communication channel with the bansa server through a wireless communication network including at least one, and the hardware of the merchant terminal. A modem or a network interface card (NIC) for connecting to a communication network is included, and a communication protocol and a driver for connecting the affiliated store terminal to the communication network are included.

The secure application module (225) is a confidentiality (Authentication), Authentication (Integrity), required in the process of the merchant terminal performs the electronic payment or card payment using the card, A security device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the merchant terminal without using an authentication server (or bansa server) on a payment network, wherein the merchant terminal is predetermined. Encrypts or decrypts a message (information or data) that is processed in the course of performing a security request function (e.g., electronic payment or card payment function), and adds an authenticator to prevent forgery (or tampering) of the message; Or to store important key information in the process of performing the security request function. It is gong.

In general, the security application module 225 is preferably composed of a predetermined security application module 225 inserter and a security application module 225 chip, the security application module 225 chip is a chip containing at least 8-bit CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 225 is one or more security application data (eg, one or more identifier, version, expiration date, issue date, code value, etc.) required for the merchant terminal to perform a predetermined security request function, key (eg , One master key and one or more application keys), protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol, mode switching Protocol, key download protocol, SAM revocation protocol), one or more commands (e.g., one or more read / authentication / transmission / registration / setting / mode switching / collection / delete / discard / initialization / reprocessing / cancellation commands). It is preferable.

The print output unit 230 prints the predetermined information or data (eg, payment processing result information or data) generated as a result of the card payment through the affiliated store terminal or as a result of the predetermined printing device 235 (eg, And a printing protocol and a driver for printing the print information or data through the printing device 235 according to a predefined printing form.

3 is a diagram illustrating a functional configuration of an affiliated store terminal issuing a cash receipt through a multi-processing telegram in accordance with an embodiment of the present invention.

In more detail, FIG. 3 illustrates a functional configuration of an affiliated store terminal implemented in the form of a program code recorded on a recording medium provided in the affiliated store terminal shown in FIG.

Referring to Figure 3, the merchant terminal issuing a cash receipt through the multi-processing full text, the mode check unit 300 for checking whether the operation mode of the merchant terminal payment mode or cash receipt mode, and the result of the check result When the mode is a cash receipt mode, the information input unit 310 for inputting the cash receipt issuance information including the cash payment amount and customer identification information through the key input unit, and the cash receipt issuance information, merchant information and professional identification information An information generation unit 345 for generating cash receipt information including one or more information; an information storage unit 360 for storing the generated cash receipt information in a Bansa cash receipt storage area; and a Bansa cash receipt storage area. Cash receipt issuance after the full receipt of the cash receipt issuing request is sent to the IRS server through the bansa that the cash receipt information is stored Answer is characterized in that it is provided with a cash receipt issuing unit 365 for processing the full text received and print out the cash receipt containing the cash receipt information before encryption, by encrypting the cash receipt information with the bansa encryption key When storing in the cash receipt storage area, the encryption key verification unit 350 for confirming the bansa encryption key to encrypt the cash receipt information from the memory unit (or security application module) and the confirmed bansa encryption key Characterized in that it further comprises an encryption processing unit 355 for encrypting the cash receipt information.

The mode checking unit 300 checks whether the operation mode of the affiliated store terminal is a payment mode for card payment or a cash receipt mode for issuing a cash receipt periodically (or in response to a mode switch key event). It features.

If the operation mode of the affiliated store terminal is confirmed as the cash receipt mode for card payment, the information input unit 310 through the screen output unit shown in Figure 2, the cash receipt issued information including the cash payment amount and customer identification information Output the cash receipt issuing information input interface for inputting and inputting the cash receipt issuing information including the cash settlement amount and customer identification information through the cash receipt issuing information input interface in connection with the key input unit shown in FIG. Characterized in that.

Here, the customer identification information is identification information registered by the customer with the IRS for issuing a cash receipt, and preferably comprises one or more of a mobile phone number or a cash receipt card number of the customer. It is possible to include various information that can be identified.

When cash receipt issuing information for issuing the cash receipt is input, the information generation unit 345 extracts merchant information for payment of the card from the memory unit, and issues the cash receipt issuing information and the merchant information and issuing the cash receipt. Characterized by generating cash receipt information including one or more professional identification information (for example, document serial number) for.

In this case, the cash receipt information, it is preferable to include all the information to be included in the full text of the cash receipt issued request from the Bansa server to the IRS server.

If the cash receipt information is encrypted with a Bansa encryption key and stored in the cash receipt storage area, the encryption key verification unit 350 confirms the Bansa encryption key to encrypt the cash receipt information from the memory unit. It features.

Here, the bansa encryption key is preferably paired with bansa decryption key for decrypting the encrypted cash receipt information, it is preferable that the encryption key and decryption key comprises at least one symmetric key or public key. .

According to one embodiment of the present invention, when the affiliated store terminal transmits and receives a full text message to one bansa, the encryption key checking unit 350 checks the bansa encryption key from the memory unit (or security application module). desirable.

According to another exemplary embodiment of the present invention, when the affiliated store terminal transmits and receives a full text to a plurality of bansa, the encryption key verification unit 350 checks (or selects) one bansa to transmit and receive a full text message, and (or It is preferable to confirm the verification (or selection) of the bansa encryption key from the security application module).

When the bansa encryption key is confirmed, the encryption processing unit 355 is characterized in that to encrypt the cash receipt information with the verified bansa encryption key, the cash receipt information encrypted with the bansa encryption key is only bansa decryption It is characterized in that it is only decrypted through the key.

Here, the encryption processing unit 355 encrypting the cash receipt information with the Bansa encryption key is different from encrypting the traffic data through a communication encryption key (for example, a symmetric key, a public key, a session key, etc.) Only the Bansa receives the cash receipt information, regardless of whether the received cash receipt information is stored in a memory unit of the merchant terminal, transmitted or received through a communication network, stored in a storage medium on a communication network, or stored in a mobile storage medium. Characterized in that the processing so that it can be decrypted.

Thereafter, the information storage unit 360 stores the cash receipt information in a Bansa cash receipt storage area provided in the memory unit.

When the cash receipt information is stored in the cash receipt storage area of the bansa, the cash receipt issuing unit 365 issues the cash receipt to the IRS server through the ban that the cash receipt information is stored in the bansa cash receipt storage area. After the request is transmitted, the cash receipt issuance response is characterized in that the processing is received as received, whereby the cash receipt issuing unit 365 is a cash receipt containing the pre-encryption cash receipt information through the print output unit It is characterized by printing output.

Referring to FIG. 3, the affiliated store terminal includes a mode confirming unit 300 for checking whether the operating mode of the affiliated store terminal is a payment mode or a cash receipt mode, and when the operation mode is the payment mode, the card. A card information input unit 305 for reading and inputting card information from a customer card through a reader unit, an information input unit 310 for inputting payment information including a card payment amount and an installment month number through the key input unit, and the card Characterized in that it comprises a specialized generation unit 315 for generating a payment approval request full text including information, payment information, merchant information and professional identification information.

The mode checking unit 300 checks whether the operation mode of the affiliated store terminal is a payment mode for card payment or a cash receipt mode for issuing a cash receipt periodically (or in response to a mode switch key event). It features.

If the operation mode of the affiliated store terminal is confirmed as the payment mode for card payment, the card information input unit 305 is a credit card, check card, debit card, cash from the customer card through the card reader shown in FIG. Characterized in that the card information matching any one of the card, account information and the payment means to process the input.

In addition, the information input unit 310 includes a card payment amount and an installment month number through the screen output unit shown in FIG. 2 before and after the card information input unit 305 reads the card information from the customer card. Outputs a payment information input interface for inputting payment information, and inputs and processes payment information including a card payment amount and an installment month through the payment information input interface in connection with the key input unit shown in FIG. do.

When the card information and payment information for the card payment is input, the full text generation unit 315 extracts the merchant information for the card payment from the memory unit, and the card information, the payment information, the merchant information and the card payment. Characterized in that for generating the payment approval request text containing one or more professional identification information (eg, document serial number) for.

Referring to Figure 3, the merchant terminal issuing a cash receipt through a multi-processing full text, in response to the card payment request through the merchant terminal, the payment approval request full text is transmitted to the bansa server through the professional generation unit 315 is generated. The card payment confirmation unit 370 to confirm, and the cash receipt confirmation unit 375 for confirming at least one cash receipt information stored in the cash receipt storage area of the bansa, when the payment approval request is generated. If at least one cash receipt information is confirmed, at least one cash receipt information item for adding (or inserting) the at least one confirmed cash receipt information to the payment approval request text is newly established, and the check is confirmed in the cash receipt information item. By adding (or inserting) cash receipt information, you can complete multi-processing for requesting payment approval and providing cash receipt information. Characterized in that obtained by having a specialized property generating unit 380. The

The card payment confirmation unit 370 checks whether a payment approval request message is transmitted to the bansa server through the message generation unit 315 in response to the card payment request through the merchant terminal. When it is confirmed that the request message is generated, the cash receipt verification unit 375 may check whether at least one cash receipt information is stored in the Bansa cash receipt storage area.

If the check result confirms that the at least one cash receipt information is stored in the Bansa cash receipt storage area, the expert component 380 adds (or inserts) the at least one confirmed cash receipt information to the full payment approval request. (C) adding one or more cash receipt information items, and adding (or inserting) the confirmed cash receipt information to the newly established cash receipt information item, for multi-processing for payment approval request and cash receipt information. Characterizing the full text.

In addition, the specialized component 380 is to change the payment approval transaction identifier (eg, credit approval identifier corresponding to the payment approval request full text) included in the multi-processing preamble into a payment approval and cash receipt information providing transaction identifier. desirable.

Referring to Figure 3, the merchant terminal issuing a cash receipt through a multi-processing message, the communication channel connection unit 320 for connecting a communication channel for transmitting the generated payment approval request message to the bansa server through the communication processing unit And, if one or more cash receipt information is not confirmed by the cash receipt confirmation unit 375, the full text of the payment approval request generated by the professional generation unit 315 is sent to the bansa server, the specialized component ( If the multi-processing telegram is configured by 380, the multi-processing telegram is provided with a specialized transmission unit 325 for transmitting the multi-processing telegram to the bansa server.

The communication channel connector 320 connects a communication channel for professional transmission / reception with a bansa server in connection with the communication processing unit shown in FIG. 2.

After the communication channel is connected with the bansa server, if one or more cash receipt information is not confirmed by the cash receipt verification unit 375, the specialized transmission unit 325 is generated by the specialized generation unit 315. The payment approval request is characterized in that the transmission to the bansa server.

On the other hand, if the multi-processing telegram is configured by the specialized component 380, the specialized transmission unit 325 is characterized in that for transmitting the multi-processing telegram to the bansa server.

Referring to Figure 3, the merchant terminal issuing a cash receipt through a multi-processing message, if the payment approval request message is transmitted to the bansa server by the specialized transmission unit 325, the bansa through the communication channel When the multi-processing message is received from the server, the payment approval response message including the payment approval response information corresponding to the payment approval request message is transmitted to the bansa server by the specialized transmission unit 325, and the bansa server. Specialized receiving unit 330 for receiving a multi-response full text including payment approval response information and cash receipt issuance result information from, and when the multi-processing full text is received through the specialized receiving unit 330, payment approval from the multi-response full message An information extraction unit 340 for extracting response information and cash receipt issuance result information, and the payment approval response information through the screen output unit; When the multi-processing message is received through the specialty processing unit 335 and the specialty processing unit 335 for outputting the screen and printing the payment receipt including payment approval response information through the printout unit, the received cash receipt A cash receipt management unit 385 configured to read the issuance result information to check whether the cash receipt is completed in the batch processing, and to delete the batched cash receipt information from the cash receipt information stored in the Bansa cash receipt storage area. It is characterized by.

If the payment approval request message is transmitted from the bansa server by the specialized transmission unit 325, the bansa server relays the payment approval request message to a card company server corresponding to the card information to process payment approval. And transmits a payment approval response message including payment approval response information including the payment approval result to the affiliated store server through the communication channel, and the specialized receiving unit 330 transmits the payment approval response message from the bansa server through the communication channel. And receiving a payment approval response message including payment approval response information corresponding to the payment approval request message.

On the other hand, when the multi-processing telegram is transmitted from the bansa server by the specialized transmission unit 325, the bansa server extracts the payment approval request information from the multi-processing telegram and configures a payment approval request telegram, and the payment approval Characterized in the request message is relayed to the card company server corresponding to the server, characterized in that the payment approval processing, extracting one or more cash receipt information from the multi-processing message, and includes the extracted one or more cash receipt information It is characterized in that for generating one or more full cash receipt issuing request request to the IRS server to process the cash receipt issuance through the IRS server.

Subsequently, when a payment approval response message including payment approval response information is received from the card company server, and a cash receipt issuance response message including cash receipt issuance result information corresponding to the cash receipt issuance request message is received from the IRS server. The Bansa server establishes a cash receipt information item for adding (or inserting) a cash receipt issuance result information corresponding to the cash receipt issuance response message to the payment approval response preamble, and confirms the check in the cash receipt information item. By adding (or inserting) a cash receipt issuance result information, a payment approval response and a multi-response message for checking receipt of cash receipts are configured and transmitted to the affiliated store terminal. Multi-response full text including information and cash receipt results Characterized in that it receives.

When the multi-response full message is received through the full-text receiver 330, the information extracting unit 340 may extract payment approval response information and cash receipt issuance result information from the multi-response full text.

When the payment approval response message is received through the message receiving unit 330 or the payment approval response information is extracted after the multi-response message is received, the message processing unit 335 may display the screen output unit shown in FIG. Characterized in that the screen display the payment approval response information included in the received payment approval response message, if the payment approval response information includes payment approval information, the specialized processing unit 335 is settled through the print output unit And print out a payment receipt including the approval response information.

When the cash receipt issuance result information is extracted after the multi-response preamble is received through the specialized receiver 330, the cash receipt management unit 385 reads the cash receipt issuance result information and issues a cash receipt through the IRS server. After confirming that, the cash receipt information stored in the Bansa cash receipt storage area is characterized in that for deleting the cash receipt information issued through the IRS server.

FIG. 4 is a diagram illustrating a multi-processing specialized structure including one or more cash receipt information in a preamble for a payment approval request according to an embodiment of the present invention and transmitting the same to a bansa server.

Referring to FIG. 4, the multi-processing preamble includes a payment approval request specialist that includes payment approval request information for transferring the multi-processing preamble to the bansa server through a communication network, and a Bansa cash receipt storage area. One or more cash receipt information items for adding the stored one or more cash receipt information to the payment approval request text, and each cash receipt information is added (or inserted) to the newly created one or more cash receipt information items. Characterized in that the information, and the payment approval request specialist and cash receipt information unit is characterized in that, the multi-processing specialized structure is capable of various modifications in accordance with the intention of those skilled in the art, the present invention is all modified It is clear that this includes a specialized structure.

The multi-processing professional payment approval request specialist, characterized in that the payment approval request information generated in the affiliated terminal for the card payment approval request, characterized in that, if the person of ordinary skill in the art Since you will be familiar with the configuration of payment approval request information including at least one of card information, payment information, merchant information and professional identification information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when generating the payment approval request text, the payment approval request specialist includes a payment approval transaction identifier (eg, a credit approval identifier corresponding to the payment approval request text) for the card payment approval request. However, when the multi-processing preamble is configured from the preamble payment request message, the prepayment approval transaction identifier included in the prepayment approval request preamble is preferably changed to the settlement approval and cash receipt information providing transaction identifier.

The multi-processing cash receipt information unit includes one or more cash receipt information items newly established in the payment approval request text, and each cash receipt information item is added (or inserted) with one cash receipt information, and each cash Receipt information items are preferably separated by a delimiter.

The multi-processing checksum may include a checksum value for confirming whether data included in the multi-processing preamble is deformed or lost while the multiprocessing pretext is transmitted from the merchant terminal to the bansa server through a communication network. desirable.

According to the method of the present invention, the multi-processing message is encrypted and transmitted from the affiliated store terminal to the bansa server, or both of the unencrypted state can be transmitted from the affiliated store terminal to the bansa server.

5 is a diagram showing the configuration of a Bansa server system for issuing a cash receipt through a multi-processing full text according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a configuration of a bansa server system for issuing cash receipts through a multi-processing message in the cash receipt issuing system shown in FIG. 1, wherein the bansa server system is in the form of one server (or device). It is preferably made of a plurality of servers (or devices) for each means, or composed of one or more servers (or devices) implemented by each server in combination with one or more means.

Referring to FIG. 5, the bansa server system may perform professional transmission / reception with an affiliated store terminal 500 having a device configuration of an affiliated store terminal 500 illustrated in FIG. 2 and a functional structure of an affiliated store terminal 500 illustrated in FIG. 3. The communication channel connection means 505 for connecting a communication channel for transmitting the payment approval request message from the affiliated store terminal 500, receives the payment approval request message through the communication channel, and receives the payment approval request message. It characterized in that it comprises a card payment processing means 510 for processing a card payment corresponding to the.

When the affiliated store terminal 500 having the affiliated store terminal 500 device configuration shown in FIG. 2 and the affiliated store terminal 500 functional configuration shown in FIG. 3 request a communication channel connection for professional transmission and reception through a communication network, The communication channel connecting means 505 connects the communication channel for professional transmission and reception with the affiliated store terminal 500 through a communication protocol and a professional exchange protocol corresponding to the communication network.

After the communication channel is connected to the affiliated store terminal 500, the affiliated store terminal 500 generates a full payment approval request message including one or more card information, payment information, merchant information, and professional identification information and transmits it through the communication channel. Then, the card payment processing unit 510 receives the full payment approval request message through the communication channel, checks the BIN information from the card information included in the full payment approval request message, and then the payment approval with reference to the BIN table. Check the card company server 565 to relay the full text of the request, and relay the transmission of the payment approval request message to the card company server 565 through a dedicated network connected to the checked card company server 565 (or the bansa server and the card company server). (565) relay transmission after full text conversion according to the full text message exchange protocol defined therebetween.

In addition, after performing a payment approval procedure corresponding to the payment approval request message in the card company server 565, and generating and transmitting a payment approval response message, the card payment processing means 510 is the card company server 565. Receive the payment approval response full message from), and transmits the payment approval response full message to the affiliated store terminal 500 through a communication channel connected to the affiliated store terminal (500).

Referring to Figure 5, the Bansa server system for issuing a cash receipt through the multi-processing full text, the merchant terminal 500, at least one or more cash receipt information items to the payment approval request full text, the newly established A message receiving means 515 for receiving the multi-processing message through the communication channel, when the multi-processing message is added (or inserted) to each of the at least one item of cash receipt information. Information extraction means 530 for extracting payment approval request information and at least one cash receipt information from a preamble, and generating a payment approval request message including the extracted payment approval request information, and generating the extracted at least one cash receipt information. Full text generation means 535 for generating the full text of the request for issuing one or more cash receipts, including the payment approval Sending the full text to the card company server 565, the professional transmission means for transmitting the generated one or more cash receipt issuing request to the National Tax Service server 570, and the first professional identification information for the payment approval request text And information storage means 545 for storing at least one second professional identification information corresponding to the full text of the at least one cash receipt request request in a storage medium, and the first from the card company server 565 in association with the storage medium. A professional confirmation means 550 for checking whether a payment approval response message corresponding to the professional identification information is received, and whether the at least one cash receipt issuance response message corresponding to the second professional identification information is received from the IRS server 570; If the full text of the payment approval response and the receipt of the cash receipt issuance is received, the cash corresponding to the full receipt of the cash receipt issuance may be added to the payment approval response. A cash receipt information item is added to add (or insert) a receipt issuance result information, and the receipt of the cash receipt issuance information is added (or inserted) to the cash receipt information item to confirm the settlement approval response and the receipt of the cash receipt. Specialized construction means 555 constituting a multi-response telegram for, and specialized processing means 560 for transmitting the multi-response telegram to the affiliated store terminal 500, characterized in that included in the multi-processing telegram If the received cash receipt information is encrypted with a Bansa encryption key, decryption key verification means for confirming the decryption key of the bansa associated with the merchant terminal 500 information 520, and the bansa encryption through the decryption key of the bansa And decryption processing means 525 for decrypting one or more pieces of cash receipt information encrypted with a key. All.

The merchant terminal 500 is a multi-process in which at least one cash receipt information item is newly established in the full payment approval request, and each cash receipt information is added to (or inserted into) the at least one cash receipt information item. When transmitting the full text, the full text receiving means 515 receives the multi-processing full text including payment approval request information corresponding to the full payment approval request text and the at least one cash receipt information through the communication channel. It is characterized by.

When the multi-processing preamble is received, the information extracting means 530 extracts payment approval request information and at least one cash receipt information from the multiprocessing preamble.

When the at least one cash receipt information included in the multi-processing preamble is encrypted with a Bansa encryption key, the decryption key checking means 520 checks the merchant terminal 500 information from the multi-processing preamble and the affiliated store terminal ( 500) verifying the bansa decryption key associated with the information, the decryption processing means 525 is encrypted with the bansa encryption key through the verified bansa decryption key contained in the multi-processing preamble Characterizing at least one cash receipt information.

The full text generating means 535 may generate a full text of a payment approval request including the extracted payment approval request information and generate one or more full text of a cash receipt issuing request including the extracted one or more pieces of cash receipt information. It is done.

Here, the full receipt of the cash receipt issuance request is preferably generated according to the specialized structure defined between the bansa server and the IRS server 570.

When the payment approval request full text is generated by the full text generation means 535, the full text transmission means 540 transmits the full text of the payment approval request to a card company server 565, and the information storage means. In operation 545, the first professional identification information of the full text of the payment approval request is stored in a storage medium.

When the at least one cash receipt issuing request text is generated by the text generating means 535, the text transmitting means 540 transmits the generated at least one cash receipt issuing request text to the IRS server 570. The information storing means 545 may store one or more second professional identification information corresponding to one or more full cash receipt issuing request messages in a storage medium. 2 Professional identification information is preferably stored in association.

Subsequently, the full text verification means 550 receives a payment approval response message corresponding to the first professional identification information from the card company server 565 in association with the storage medium, and receives the first message from the IRS server 570. It is characterized in that whether or not the full response to the issuance of one or more cash receipts corresponding to the professional identification information is received.

If the payment approval response message and the cash receipt issuance response message are received, the expert composition means 555 adds (or inserts) the cash receipt issuance result information corresponding to the cash receipt issuance response message to the payment approval response message. A new receipt for cash receipt information item, and add (or insert) the confirmed receipt for cash receipt result to the cash receipt information item to configure a multi-response message for payment approval response and cash receipt issuance confirmation. The professional processing means 560 transmits the multi-response full text to the affiliated store terminal 500 through the communication channel.

6 is a diagram illustrating a process of issuing a cash receipt through a multi-processing telegram in accordance with an embodiment of the present invention.

In more detail, Figure 6 is a cash receipt issued by the merchant terminal 500 having the configuration of Figures 2 and 3, after storing the cash receipt information in the merchant terminal 500 in the Bansa cash receipt storage area The cash receipt information is stored in the cash receipt storage area of the company's cash receipt is processed after the full receipt of the cash receipt issuing request is sent to the National Tax Service server 570 through the bansa, the cash receipt issuance response message is received, the cash before encryption The process of printing a cash receipt including receipt information is shown.

Referring to FIG. 6, the affiliated store terminal 500 confirms whether the operation mode of the affiliated store terminal 500 is switched to the cash receipt mode in order to issue a cash receipt through a multi-processing text (600).

If the operation mode of the merchant terminal 500 is switched to the cash receipt mode (605), the merchant terminal 500 receives a cash receipt for entering the cash receipt issuance information including the cash payment amount and customer identification information on the terminal screen Outputting the issuance information input interface, and confirms whether the cash receipt issuance information including the cash payment amount and the customer identification information is input based on the cash receipt issuance information input interface through the key input (610).

If the cash receipt issuing information is input (615), the merchant terminal 500 extracts the merchant information for the card settlement, the cash receipt issuing information and the merchant information and the professional identification information for issuing the cash receipt ( For example, generating cash receipt information including at least one document serial number) (620), confirming the bansa cash receipt storage area provided in the memory unit (625), the bansa cash receipt storage area in the The cash receipt information is stored (630).

If the cash receipt information is stored in the Bansa's cash receipt storage area (635), the merchant terminal 500 stores the cash receipt information in the Bansa's cash receipt storage area through the Bansa IRS server 570 In step 640, the cash receipt containing the cash receipt information before the encryption is printed and output by issuing the cash receipt issuance response message after the full receipt of the cash receipt issuance request is transmitted.

7 is a diagram illustrating a process of encrypting cash receipt information with a bansa encryption key in a cash receipt issuing process according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a process of encrypting cash receipt information to be stored in Bansa's cash receipt storage area with the Bansa's encryption key in the cash receipt issuing process shown in FIG.

Referring to FIG. 7, when cash receipt information to be stored in the Bansa cash receipt storage area is generated during the issuance of the cash receipt shown in FIG. 6, the merchant terminal 500 encrypts the generated cash receipt information. Check the encryption key (700).

When the affiliated store terminal 500 transmits and receives a full text message to one bansa according to an embodiment of the present invention, the affiliated store terminal 500 checks the bansa encryption key from the memory unit (or security application module). It is preferable.

According to another exemplary embodiment of the present invention, when the affiliated store terminal 500 transmits and receives a full text to a plurality of bansa, the affiliated store terminal 500 identifies (or selects) one bansa to transmit and receive full text, and ( Or it is preferable to confirm the verification (or selection) of the bansa encryption key from the security application module).

If the Bansa encryption key to encrypt the cash receipt information is confirmed (705), the merchant terminal 500 encrypts the cash receipt information with the verified Bansa encryption key (710).

Here, encrypting the cash receipt information with the bansa encryption key is different from encrypting the traffic data through a communication encryption key (for example, a symmetric key, a public key, a session key, etc.), and the encrypted cash receipt information is a merchant. Only the bansa can decode the cash receipt information, regardless of whether it is stored in the memory unit of the terminal 500 or transmitted / received through a communication network, stored in a storage medium on the communication network, or stored in a mobile storage medium. It is characterized by processing.

8 is a diagram illustrating a process of constructing a multi-processing telegram for providing a card payment and cash receipt information according to an embodiment of the present invention and transmitting it to a bansa server.

In more detail, FIG. 8 illustrates one or more cash in the cash receipt storage area provided in the affiliated store terminal 500 when a payment approval request message is generated in the affiliated store terminal 500 illustrated in FIGS. 2 and 3. When the receipt information is stored, it illustrates a process of constructing a multi-processing telegram that adds (or inserts) the cash receipt information to the settlement approval request telegram and transmits it to the bansa server.

Referring to FIG. 8, the affiliated store terminal 500 determines whether an operation mode of the affiliated store terminal 500 is a payment mode for card payment (800), and if the operation mode is a payment mode (805), a card reader. Through credit card, check card, debit card, cash card, account information matching any one of the payment method from the customer card through, and through the key input payment information including payment amount and installment months In operation 810, it is checked whether is inputted.

If the card information is read and payment information is input (815), the affiliated store terminal 500 extracts the affiliated store information for the card payment from a memory unit, and the card information, payment information, affiliated store information, and the card. In operation 820, a full payment approval request message including one or more professional identification information (eg, a document serial number) for payment is generated.

If the full payment approval request for the card payment is generated (825), the merchant terminal 500 is the cash receipt issuance process shown in Figure 6 before the card payment from the cash receipt storage area provided in the memory unit Check the at least one cash receipt information stored through (830).

If one or more cash receipt information is not stored in the cash receipt storage area (835), the affiliated store terminal 500 connects a communication channel with the bansa server through a communication network, and the bansa server through the communication channel. In step 840, the payment approval request text is transmitted.

On the other hand, if it is confirmed that at least one cash receipt information is stored in the cash receipt storage area (835), the affiliated store terminal 500 adds (or inserts) the at least one confirmed cash receipt information to the full payment approval request. At least one cash receipt information item is newly established, and the receipt of the cash receipt information is added (or inserted) to the cash receipt information item to configure a multi-processing text for providing payment approval request and cash receipt information (845).

According to the exemplary embodiment of the present invention, the affiliated store terminal 500 provides the payment approval and cash receipt information providing transaction identifier with the payment approval transaction identifier (eg, the credit approval identifier corresponding to the payment approval request message) included in the multiprocessing preamble. It is preferable to change to.

Thereafter, the affiliated store terminal 500 connects a communication channel with the bansa server through a communication network and transmits the multiprocessing message to the bansa server through the communication channel (850).

9 is a diagram illustrating a card payment processing process through a full payment approval request according to an embodiment of the present invention.

In more detail, in FIG. 9, when a payment approval request message is transmitted from the affiliated store terminal 500 to a bansa server in the multiprocessing transmission process illustrated in FIG. 8, the payment approval is performed by the bansa server illustrated in FIG. 5. It shows the process of processing the card payment corresponding to the full request.

Referring to FIG. 9, when the payment approval request message is transmitted to the bansa server in the multiprocessing transmission process illustrated in FIG. 8, the bansa server transmits the payment approval request message from the affiliated terminal 500 through a communication channel. Receive (900), read the BIN of the card information included in the payment approval request message, and confirm the card company server 565 to which the payment approval request message is relayed (905), and the confirmed card company server 565 In step 910, the payment approval request relay is transmitted in full.

Thereafter, the bansa server confirms that a payment approval response message including a payment approval response message corresponding to the payment approval request message is received from the card company server 565 (920), and if the payment approval response message is received, 920, and transmits the payment approval response message to the affiliated store terminal 500 through the communication channel (925), and correspondingly, the affiliated store terminal 500 transmits the payment approval response information included in the payment approval response message. The screen output or print output is performed (930).

10 is a diagram illustrating a multi-processing professional processing process for card payment and cash receipt issuance according to an embodiment of the present invention.

In more detail, FIG. 10 is a multi-processing telegram in which one or more cash receipt information is added (or inserted) to a payment approval request message from the affiliated terminal 500 to the bansa server in the multi-processing transmission process illustrated in FIG. 8. When transmitting, the bansa server extracts payment approval request information and one or more cash receipt information from the multi-processing preamble, and configures a payment approval request message including the extracted payment approval request information to process the card payment, It shows a process of generating a cash receipt issued request message containing the at least one cash receipt information extracted and sent to the National Tax Service server 570 to issue a cash receipt.

Referring to FIG. 10, a multi-processing telegram in which at least one cash receipt information is added (or inserted) to a payment approval request message from the merchant terminal 500 to the bansa server in the multi-processing telegram transmission process shown in FIG. When transmitting, the bansa server receives the multi-processing text message from the affiliated store terminal 500 through a communication channel (1000), and extracts payment approval request information and one or more cash receipt information from the multi-processing text message (1005). .

If payment approval request information is extracted from the multiprocessing preamble (1010), the Bansa server configures a payment approval request preamble including the payment approval request information (1015), and a card included in the payment approval request preamble. Read the BIN of the information to check the card company server 565 that the payment approval request message is to be relayed (1020), and relays the payment approval request text to the confirmed card company server 565, the payment approval request The first specialized identification information corresponding to the full text is stored in the storage medium (1025).

Thereafter, the bansa server confirms that the payment approval response message including payment approval response information corresponding to the payment approval request message is received from the card company server 565 through the first professional identification information (1030).

In addition, when one or more cash receipt information is extracted from the multi-processing text (1010), the Bansa server generates one or more cash receipt issuing request texts including one or more cash receipt information and merchant information for issuing the cash receipt. In operation 1040, the at least one generated cash receipt issuance request message is transmitted to the IRS server 570, and second professional identification information included in each of the transferred cash receipt issuance request messages is stored in a storage medium (1045). ), The first professional identification information and the second professional identification information is preferably stored in association.

Subsequently, the bansa server checks whether all cash receipt issuance response messages corresponding to all the cash receipt issuance request messages received from the IRS server 570 are received through the second professional identification information (1050).

If it is confirmed that the payment approval response message including payment approval response information is received from the card company server 565 through the first professional identification information (1035), the IRS server (570) through the second professional identification information. When it is confirmed that all the cash receipt issuance response message has been received (1055), the Bansa server generates the cash receipt issuance result information corresponding to the received all cash receipt issuance response message (1060), the payment approval response Establish a cash receipt information item for adding (or inserting) a cash receipt issuance result information corresponding to the preamble of the cash receipt issuance to the preamble, and adding the confirmed cash receipt issuance result information to the cash receipt information item (or Insert) to configure a multi-response telegram for payment approval response and cash receipt issuance (1065), and through the communication channel. And a blind spot terminal 500 transmits the multiple response message (1070).

FIG. 11 is a diagram illustrating a decoding process of cash receipt information included in a multi-processing preamble in accordance with an embodiment of the present invention.

In more detail, in FIG. 11, when the cash receipt information included in the multiprocessing preamble received through the multiprocessing preamble process shown in FIG. 10 is encrypted with a Bansa encryption key, the encrypted cash receipt information is deciphered by Bansa. The process of decrypting with a key is shown.

Referring to FIG. 11, when the cash receipt information included in the multiprocessing preamble received through the multiprocessing preamble process shown in FIG. 10 is encrypted with a Bansa encryption key, the bansa server collects the cash receipt information. The Bansa decryption key associated with the affiliated store terminal 500 information is checked (1100).

If the bansa decryption key is confirmed (1105), the bansa server decrypts one or more cash receipt information collected by encrypting with the bansa encryption key through the verified bansa decryption key (1110).

12 is a diagram illustrating a process of outputting a card payment and a cash receipt issuing result according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates that when the multi-response message is transmitted from the bansa server to the affiliated store terminal 500 through the multiprocessing specialized process shown in FIG. 10, the multi-response message is read by the merchant terminal 500. It shows a process of outputting the card payment and cash receipt issuance results.

Referring to FIG. 12, when a multi-response message is transmitted from the bansa server to the affiliated store terminal 500 through the multiprocessing specialized process illustrated in FIG. 10, the affiliated store terminal 500 transmits the bansa through the communication channel. The multi-response full message is received from the server (1200), and payment approval response information and cash receipt issuance result information are extracted from the multi-response full message (1205).

If the payment approval response information is extracted from the multi-response preamble (1210), the merchant terminal 500 outputs or prints the payment approval response information (1215), and issues the cash receipt from the multi-response preamble. When the result information is extracted (1210), the merchant terminal 500 deletes one or more cash receipt information corresponding to the cash receipt issuance result information from the cash receipt information stored in the Bansa cash receipt storage area (1220).

According to the present invention, when issuing a cash receipt at the merchant terminal, the cash receipt information is stored in the cash receipt storage area of bansa and then printed out and issued a cash receipt, when the card payment processing at the merchant terminal, the cash receipt After adding (or inserting) at least one cash receipt information stored in a storage area to the payment approval request text for the card payment, constructing a multi-processing text message, and transmitting the multi-processing text message to a bansa server to separate the cash receipt. There is an advantage of issuing a cash receipt without a professional sending and receiving fee.

Claims (7)

Storing the cash receipt information in the Bansa cash receipt storage area when the cash receipt is issued by the merchant terminal; The cash receipt information stored in the Bansa cash receipt storage area is processed as the receipt of the cash receipt issuing message is transmitted to the IRS server through the ban server, the cash receipt issuance response message is received, and includes the cash receipt information Printing a cash receipt; Checking whether a full payment approval request message to be transmitted to a bansa server is generated in response to a card payment request through an affiliated store terminal; Confirming at least one cash receipt information stored in the cash receipt storage area of the bansa when confirming the creation of the payment approval request message; If the at least one cash receipt information is confirmed as a result of the verification, at least one cash receipt information item for adding (or inserting) the at least one confirmed cash receipt information to the payment approval request text is newly established, and the cash receipt information item Adding (or inserting) the confirmed cash receipt information to construct a multi-processing telegram for providing payment approval request and cash receipt information; And And transmitting the multi-processing telegram to the bansa server. The method of claim 1, Receiving a multi-processing message including a payment approval request information item and at least one cash receipt information item for card payment from the merchant terminal; Extracting payment approval request information and at least one cash receipt information from the multiprocessing preamble; Generating a payment approval request text including the extracted payment approval request information, and generating one or more cash receipt issuing request text including the extracted one or more cash receipt information; Transmitting the full text of the payment approval request to a card company server and transmitting the generated one or more full cash receipt issuing request texts to a national tax office server; Storing the information on the storage medium in association with the first professional identification information for the full text of the payment approval request and one or more second professional identification information corresponding to the one or more full receipts of the cash receipt request; The payment approval response message corresponding to the first professional identification information is received from the card company server in association with the storage medium, and the at least one cash receipt issuance response message corresponding to the second professional identification information is received from the IRS server. Confirming; When the payment approval response and the cash receipt issuance response message are received, a cash receipt information item for adding (or inserting) a cash receipt issuance result information corresponding to the cash receipt issuance response message to the payment approval response message may be newly established. step; Adding (or inserting) the confirmed cash receipt issuance result information to the cash receipt information item to construct a multi-reply message for payment approval response and cash receipt issuance confirmation; And Sending the multi-response telegram to the affiliated store terminal; The cash receipt issuing method using a multi-processing telegram characterized in that it further comprises. The method of claim 1, Receiving a multi-response telegram from a bansa server; Extracting payment approval response information and cash receipt issuance result information from the multi-response preamble; Printing and outputting the payment approval response information and deleting cash receipt information corresponding to the cash receipt issuance result information from the cash receipt information stored in the Bansa cash receipt storage area; How to issue cash receipts using the full text of a transaction. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 3. An information storage unit for storing the cash receipt information in the Bansa cash receipt storage area when the cash receipt is issued by the merchant terminal; The cash receipt information stored in the Bansa cash receipt storage area is processed as the receipt of the cash receipt issuing message is transmitted to the IRS server through the ban server, the cash receipt issuance response message is received, and includes the cash receipt information A cash receipt issuing unit for printing out a cash receipt; A card payment confirmation unit for confirming whether a payment approval request message is transmitted to the bansa server in response to a card payment request through the affiliated store terminal; A cash receipt confirmation unit for verifying at least one cash receipt information stored in the cash receipt storage area of the bansa when the payment approval request is generated; If the at least one cash receipt information is confirmed as a result of the verification, at least one cash receipt information item for adding (or inserting) the at least one confirmed cash receipt information to the payment approval request text is newly established, and the cash receipt information item A specialized component configured to add (or insert) the confirmed cash receipt information into a multi-processing preamble for providing payment approval request and cash receipt information; And Merchant terminal characterized in that it comprises a; professional transmission unit for transmitting the multi-processing telegram to the bansa server. The method of claim 5, A specialized receiving unit for receiving a multi-response full message including payment approval response information and cash receipt issuance result information from the bansa server; An information extraction unit for extracting payment approval response information and cash receipt issuance result information from the multi-response preamble; And a cash receipt management unit for deleting cash receipt information corresponding to the cash receipt issuance result information from the cash receipt information stored in the cash receipt storage area of the bansa. Specialized receiving means for receiving a multi-processing message including a payment approval request information item and at least one cash receipt information item for card payment from an affiliated store terminal; Information extraction means for extracting payment approval request information and at least one cash receipt information from the multiprocessing preamble; Full text generating means for generating a full text of the payment approval request including the extracted payment approval request information and generating at least one cash receipt issuing request full text including the extracted at least one cash receipt information; A specialized transmission means for transmitting the full text of the payment approval request to a card company server and transmitting the generated one or more full receipts of the cash receipt issuance request to the National Tax Service; Information storage means for storing the first professional identification information for the full text of the payment approval request and one or more second professional identification information corresponding to the one or more full receipts of the cash receipt issuance request in a storage medium; The payment approval response message corresponding to the first professional identification information is received from the card company server in association with the storage medium, and the at least one cash receipt issuance response message corresponding to the second professional identification information is received from the IRS server. Professional identification means for confirming; Upon receipt of the full payment approval response and full receipt of a cash receipt, a cash receipt information item for adding (or inserting) a cash receipt issuance result information corresponding to the full cash receipt issuance response message is newly added to the full payment approval response. Specialized construction means for adding (or inserting) the confirmed cash receipt issuance result information to the cash receipt information item to configure a multi-response preamble for payment approval response and cash receipt issuance confirmation; And Specialized processing means for transmitting the multi-response full text to the affiliated store terminal; Cash receipt issuing system using a multi-processing full text comprising a.

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