KR20100054058A - System and method for transaction and card-based payment using intermediate system - Google Patents

Abstract

PURPOSE: A transaction using an intermediary system, a card transaction system and a method thereof for efficiently performing charge payment are provided to implement a card transaction system without subordinating a mobile communication company and prevent the predetermined information excessively focused upon the payment terminal. CONSTITUTION: An intermediary system(100) is installed in a management center. The management center is communally operated in a member shop. A sales provider sells an article or a service to a buyer through a payment terminal(200). A payment approval mediating servers(300) is connected to the intermediary system. A payment approval server(400) is connected to the intermediary system or payment approval agent servers.

Description

System and method for transaction and card-based payment using intermediate system}

The present invention relates to a system and a method for enabling the payment of goods (or services) and the price according to a transaction (trade price) using a card instead of cash. More specifically, the system for managing or assisting the transaction and payment process is provided. The present invention relates to a transaction and a card payment system and a method using an intermediary system that enables transactions and payments to be performed more effectively.

In addition, the present invention by using the card to accumulate the transaction record (points), pay the transaction price instead of cash in the transaction credit earned using the card, or the payment details of the transaction price paid in cash effectively by using the card The present invention relates to a transaction and a card payment system and a method using an intermediary system to enable proof.

A card is a cash settlement agent usually issued by a bank or a card issuer. The types of cards used as cash settlement agents can be classified into credit (deferred) cards, prepaid cards, and debit cards. In addition, the card is used not only for payment of the transaction price but also for various additional actions accompanying the transaction, for example, accumulating the transaction performance according to the payment amount or payment history, or paying the amount using the accumulated transaction performance. Point cards are being used to do this. In addition, the card may be used as a means to prove the cash settlement as another additional action accompanying the transaction. For example, a cash receipt card issued by the IRS is a dedicated card for proof of cash payment. Cards other than the dedicated card (credit (deferred) card, prepaid card, debit card or point card, etc.) are also used as a means for supporting the cash payment history.

As described above, a card is generally used as a means for cash settlement, a means for accumulating and performing a transaction record, a means for payment through a transaction or payment of goods or services, or a means for supporting a statement of cash payment. Hereinafter, the card payment is defined as including a predetermined action related to the payment of the transaction as well as the payment of the transaction using the card. In other words, the payment of the transaction using credit (deferred) card, prepaid card or debit card instead of cash, using the loyalty card to accumulate the transaction results, or by using the distance records earned through the loyalty card It includes both the act of paying the transaction price and the issuance of a cash receipt or other act of proving the cash payment for the transaction amount paid in cash using a cash receipt card or other type of card. In addition, the card payment system and method means a system and method for enabling the card payment described above.

In order to use a particular card for card payment, certain information must be stored in the card. Generally, the types of cards can be classified into magnetic cards, IC cards, RF cards, IrFM cards, etc., depending on the medium used to store the information on the card, the storage method, or the method of reading the information stored on the card for using the card. have. In addition, electronic devices such as mobile phones, which can replace the cards with IC chips necessary for credit transactions, can provide the same functions as those of general cards in the card payment process, so that information necessary for card payment is provided below. It is considered to be included in the card.

1 is a simplified diagram illustrating a linkage relationship between an actor and a transaction agent in a conventional goods or service transaction.

As shown in the figure, the transaction of the goods or services and the payment process of the card, the purchaser 10, the affiliated member company 20, the payment approval broker 30 and the card issuing company 40 are interconnected with each other for a predetermined interaction and Information exchange is required. In particular, the affiliated member company 20 and the payment approval brokerage company 30 are connected in a single line corresponding to 1: 1, whereas the payment approval brokerage company 30 is one or more card issuing companies ( 40).

In order for the purchaser 10 to execute a card payment, predetermined information including personal information is provided to the card issuing company 40 in advance and registered as a member of the card issuing company 40, or the buyer 10 If you are not directly registered as a member of the card issuing company 40, you must have a reasonable right or authority to execute the card payment.

The affiliated member company 20 is a subject that sells goods or services to one or more buyers 10, and the affiliated member company 20 receives predetermined information in order to receive payment through card payment. ) And the payment approval brokerage company (30), etc. to be registered as a member of the merchant (franchisee).

The payment approval brokerage company 30 brokers the card payment process according to a predetermined procedure between the affiliated member company 20 and one or more card issuing companies 40 or collects the sales slip, such as the collection of sales slips ( Perform some tasks entrusted in 40). Typically, VAN (Valude Added Network) or PG (Payment Gateway) is included in the payment approval broker 30.

The card issuing company 40 is a subject that issues credit (deferred) cards, prepaid cards, debit cards, point cards, cash receipt cards, etc., and can issue credit card companies, banks, electronic money companies, the IRS, or a general card. Companies and the like are included in the card issuing company 40.

On the other hand, the conventional conventional goods or services are employed (owned) in the merchant member company 20 in the process of transactions and card payment, or does not belong to the merchant member company 20, but the merchant member company 20 and A sales provider 50 that assists or acts on the transaction and card payment process between the buyer 10 and the affiliated member company 20 may be further added by a contract or the like.

The sales provider 50 serves to assist or act on a predetermined basis related to the sale and sale of the goods or services in the process of the merchant member company 20 selling the goods or providing the services to the buyer 10. . That is, the sales provider 50 sells the goods to the buyer 10, provides a service to the buyer 10, delivers the sold goods to the buyer 10, or the buyer 10. Assists or acts on behalf of the affiliated store member company 20 in such a manner as to cooperate to pay the price through the card payment and directly contacts the buyer 10. Visiting salesman, learning teacher, insurance salesman, deliveryman, surrogate driver, quick service driver, taxi driver and the like are representative examples included in the sales provider (50).

In addition, the one affiliated member company 20 may have one or more than one seller 50, the seller 50 may exist in various forms, such as individuals, groups, non-profit corporations or companies. Since the sales provider 50 serves to assist or act on the activity of the affiliate member company 20, the roles of the sales provider 50 and the affiliate member company 20 are clearly distinguished from each other in the card settlement process. Except in the case, the act performed by the sales provider 50 is considered to be included in the act performed by the affiliated member company 20.

As described above, in order to execute a transaction of goods or services and settle a card, a predetermined mutual name is established between the purchaser 10, the affiliated member company 20, the settlement approval broker 30, and the card issuing company 40. Action and information exchange are required, and a card payment system is used for this.

2 is a schematic diagram showing a configuration of a conventional card payment system according to a typical embodiment.

As shown in the conventional card payment system, the payment terminal 200 used by each affiliated member company 20, the payment terminal 200 is connected to the payment terminal 200 through a wired and wireless communication network and the payment approval broker It consists of a payment approval server 400 and the like connected via the server 300 and the communication network.

The payment terminal 200 is used to be fixed to the merchant or the like of the merchant member company 20, or employed by the merchant member company 20 or the sales provider 50 to assist or act on behalf of the merchant member company 20 is carried In general, when fixed and used, it is connected to the payment approval intermediation server 300 through a wired communication network, and when used in a portable manner, it is connected to the payment approval intermediation server 300 through a wireless communication network. In addition, the payment approval intermediation server 300 is typically implemented as a payment approval brokerage company 30, such as VAN company or PG company, the payment approval server 400 is configured as a server of the card issuing company 40 Preferably, the payment approval intermediation server 300 and the payment approval server 400 is connected through a highly reliable communication network such as a dedicated line.

In the above embodiment, the payment terminal 200 and the payment approval intermediation server 300 are connected to each other in a one-to-one correspondence with each other, which means that the affiliated member company 20 typically accepts the one payment. This is because the brokerage company 30 registers (members) as a member of the store or receives support and establishes a card payment system. On the other hand, the one payment approval intermediation server 300 may be linked to one or more payment approval servers 400, which is issued by two or more different card issuing companies 40 through the payment terminal 200. This means that the card can be used even with only one card. Accordingly, the payment approval intermediation server 300 typically includes an intermediary and routing means for connecting to specific payment approval servers 400 based on information transmitted from the payment terminal 200.

Figure 3 is a simplified view of a process (method) to perform a card payment using a conventional card payment system according to a typical embodiment.

As shown in the conventional card payment method, obtaining information through the payment terminal 200 (S110), inputting payment information (S111), generating payment information (S112), and the payment terminal ( 200, the payment approval request message is sent to the payment approval relay server 300 (S130), the payment approval relay server 300 determines whether the approval (S140), the payment approval relay server 300 A step of transmitting an approval notification to the payment approval relay server 300 (S150), and the payment approval relay server 300 to transmit the approval notification to the payment terminal 200 (S160). do.

In the card information acquisition step (S110), the payment terminal 200 reads card information stored in a card, such as a card number and a card expiration date, in order to obtain card information from a card presented by the purchaser 10. Alternatively, the payment terminal 200 may directly input card information into the payment terminal 200 instead of the card 10 reading the card information. The card information that is read by the payment terminal 200 or input to the payment terminal 200 generally corresponds to a card presented by the purchaser 10 as information stored in a card such as a card number and a card expiration date. Unique information. In addition, the card information may be temporarily stored in the payment terminal 200 while the card information is read by the payment terminal 200 or the card information is input to the payment terminal 200.

In the payment information obtaining step (S111), payment information including a payment amount, a payment method (such as one-time payment, installment or installment month, etc.) is input to the payment terminal 200, and the payment terminal 200 is the payment. Generating payment information including affiliated store information (such as affiliated store code) which is unique information for identifying the affiliated store member company 20 stored in advance in the terminal 200 (S112). Therefore, the payment information includes card information, payment information, merchant information, other information, and the like.

Meanwhile, in the embodiment, after the card information acquisition step S110 is performed, it is not necessary to sequentially perform the payment information acquisition step S111, and the execution order of the two steps is not important.

When payment information is generated in the payment terminal 200, the payment terminal 200 transmits a payment approval request message including the generated payment information to the payment approval intermediation server 300 (S120). Request a payment authorization.

When the payment approval intermediation server 300 receives the payment approval request message, the payment approval intermediation server 300 transmits predetermined information including the payment information to the payment approval server 400 according to a predetermined procedure (S130). In this process, the method may include selecting (routing) a specific payment approval server 400 to receive the payment approval request message using predetermined information included in the card information transmitted to the payment terminal 200. .

The payment approval server 400 determines whether to approve by determining the validity of the card from the payment information included in the payment approval request message, whether the approval limit is exceeded, the appropriateness of the payment method, etc. according to a predetermined rule (S140). . If the card payment is approved by the payment approval server 400, the payment approval server 400 transmits an approval notification to the payment approval intermediation server 300, and if it is rejected, sends the approval rejection notification to the payment approval intermediation server ( 300) (S150). In addition, the payment approval intermediation server 300 performs the step (S160) to deliver the approval notification to the payment terminal 200 in accordance with a predetermined processing procedure is realized card payment process.

In addition, after the approval notification is received by the payment terminal 200, if additional confirmation (verification) of the buyer 10 for the card payment approval details, the signature of the buyer 10, card password or the buyer Other confirmation information which may prove that the payment has been made by using the card 10 may be additionally inputted to the payment terminal 200, or an additional step (S170) of executing the necessary additional measures may be further performed. For example, if necessary, the payment terminal 200 outputs a receipt for the card payment details (approval details) to the buyer 10 or confirms (confirms) the purchaser 10 for the receipt. Acknowledgment information can be additionally obtained.

When the purchaser 10 confirms the approval details, the payment terminal 200 transmits confirmation information to the payment approval intermediation server 300 and the payment approval server 400 to notify the payment completion (S180 and S190) may be further performed. In addition, although not shown in FIG. 3, the payment approval server 400 may additionally notify the purchaser 10, the affiliated member company 20, and the like that the card payment approval process is completed.

As described above, in order to make a card payment using a card payment system, a process of acquiring card information (reading card information or inputting card information) using the payment terminal 200 is required. The terminal 200, the payment approval intermediation server 300 and the payment approval server 400 must be communicated with each other, in order to prevent the leakage of some of the important information related to the card payment in the process additionally the payment terminal 200 ), The payment approval intermediation server 300 or the payment approval server 400 and the like are provided with a variety of means for preventing information leakage.

However, in the conventional card payment system, since the card information and the affiliated store information, which are the key information related to the card payment, may be stored in the payment terminal 200 temporarily or at all times, the essential information required for the card payment is leaked to the illegal act. It may be used. That is, the card information, merchant information, payment information, etc. are required for the card payment, and the payment information can be arbitrarily input through the payment terminal 200, so if the card information and the merchant information are leaked at the same time, the payment information is randomly inputted. In combination with the high risk of fraudulent behavior.

In addition, in the conventional card payment system, as described above, the payment terminal 200 is typically provided separately for each affiliated member company 20, and each payment terminal 200 has one payment approval intermediation server 300. Due to the one-line connection and the use efficiency is low, the process of changing the payment approval brokerage company 30 to be affiliated with the affiliated member company 20 has a complicated problem.

On the other hand, in recent years, the demand for a portable card payment system is increasing. The portable card payment system uses the portable payment terminal 200 instead of the fixed payment terminal 200, which is typically used to be fixed to the merchant of the affiliated member company 20, regardless of the place and time, and the transaction of goods or services The card payment of the transaction price is possible. The portable card payment system is characterized in that it uses a portable payment terminal 200 and the payment terminal 200 is connected to the payment approval intermediation server 300 through a wireless communication network to ensure mobility. Therefore, the portable payment terminal 200 should provide a wireless communication network interface as well as light weight and battery operation enough to be portable by the user.

The function and operation principle of the conventional portable payment terminal 200 is almost similar to the conventional fixed payment terminal, except for the above-described features of guaranteeing mobility and providing a wireless communication network interface. That is, the payment information is generated using the card information of the purchaser 10, the merchant information of the affiliated member company 200 and the input payment information in the portable payment terminal 200, or the card information or the affiliated store information is the portable information. The operation process or characteristics such as to be temporarily or permanently stored in the payment terminal 200 are not significantly different from the existing fixed payment terminal.

Therefore, the conventional portable card payment system not only has the zero defects of the fixed card payment system, but the portable payment terminal used in the portable card payment system is similar to the conventional fixed payment terminal, or more than the conventional fixed payment terminal. There is a disadvantage that it is relatively expensive because it must provide a function or performance (mobility, air interface).

In addition, since the portable payment terminal used in the conventional portable card payment system is carried by the user, the risk of loss is higher than that of the fixed payment terminal, and the type of information stored in the portable payment terminal and the operation process of the portable payment terminal. Since it is similar to the fixed payment terminal, if lost, there is a relatively high risk of information leakage and misuse.

In order to solve the problems of the conventional portable card payment system described above, a system and method for performing card payment using a mobile device (mobile phone, smart phone, PDA, etc.) instead of a conventional card payment terminal is provided. Presented. For example, the "Payment for visiting goods using a portable terminal" published in the Republic of Korea registration number 10-0578359 proposes a card payment system that can be applied to the payment of door-to-door goods, credit card payment application A payment system has been proposed to enable a card payment by inputting predetermined information required to request a credit card payment at each step by connecting to a server using a mobile device (mobile phone, smart phone, PDA, etc.).

A feature of the card payment system is that it is possible to pay the card regardless of the place and time in the process of door-to-door sales, even without using an expensive portable payment terminal. Therefore, it is not necessary to use an expensive payment terminal separately, and accesses a server using a mobile device and inputs predetermined information at each step so that payment is performed and essential information to be stored in the mobile device or processed within the mobile device. This can reduce the risk of fraud due to information leakage in case of loss.

However, in order to execute card payment in the card payment system, the visit seller corresponding to the sales provider 50 generally needs to access a visit seller server corresponding to the affiliated member company 20 and undergo a complicated authentication process. There is a problem in that the card information (card number, expiration date, etc.), payment information (payment amount, payment method, etc.) must be input through the mobile device. That is, not only takes time in the process of directly inputting card information and payment information, but also an input error is likely to occur.

In the above-described portable card payment system using a conventional mobile device, a user (visitor) needs to input card information and payment information into a mobile device (mobile phone, smart phone, PDA, etc.) one by one. The solution can be solved by using a card reader that works with a mobile device, as described in the “Wireless Card Payment System” presented in 2007-0036821. That is, since the information stored in the card can be read using the card reader and transferred to the mobile device, the user must input the card information and the like.

On the other hand, the "indoor sales goods payment system using a portable terminal" must be connected to the mobile carrier server to perform the card payment, and must be connected to the payment approval intermediation server via the mobile carrier server, the application also It is supposed to be downloaded from the carrier server. In addition, the "wireless card payment system" also requires an authentication process such as interworking with the mobile subscriber information management server.

As described above, when the card payment execution process or the card payment preparation (authentication, etc.) process is performed in connection with the mobile communication company server, the card payment may be subordinate to the mobile communication company. For example, if you want to change the card payment application program downloaded from the mobile communication company server installed in the mobile device, there is a problem to develop an application program suitable for the mobile communication company server or system built in the mobile communication company. In addition, when the mobile subscriber information is used as the authentication information, there is a problem that a separate authentication procedure must be performed every time the mobile device is changed.

In addition, as described above, a conventional card payment system using a mobile device such as a mobile phone instead of an expensive portable payment terminal does not simply use a communication network infrastructure of a mobile communication company, but is linked with a mobile communication company server and is linked with a mobile service provider's additional service. Since the payment is made, there is a problem that the card payment system is subordinate to the mobile communication company, or the additional service usage fee must be paid to the mobile communication company in addition to the communication cost for using the mobile communication network infrastructure.

Meanwhile, the service providing process is relayed in order to effectively perform a service (transaction) in the process of providing a customer with a transport, delivery or driving service such as a surrogate operation service, quick service, freight service, taxi service, and courier service. Often, management centers are installed.

In addition, in setting up the management center that relays or manages the transportation, delivery, or driving service providing process, a plurality of service providers may jointly install a management center. That is, when two or more service providers jointly operate a management center, not only can the management center construction cost and management center operation cost be reduced, but also two or more service providers belong to each company or each service. By jointly using service providers and contracted service providers (articles, companies, etc.), each service provider can be used to provide services even to service providers belonging to or contracting with other companies. Accordingly, there is an advantage that the service can be provided quickly and effectively compared to the case of using only the service providers belonging to the company, thereby increasing customer satisfaction.

4 shows that one or more affiliated member companies 20 operate the management center 60 alone or jointly to jointly use the sellers 50 to sell goods or services or receive payment through card payment. In the process, the connection between the actors is briefly shown.

In order to purchase goods and services, the buyer 10 requests a single member company 21, 22, or 2M to trade (sell or provide) the goods or services through the management center 60, and the management center 60 ) Will notify the merchant member company (21, 22, or 2M) of the request, the merchant member company (21, 22, or 2M) utilizes the sales provider 50 in response to the request of the buyer (10) To trade the goods or services with the buyer (10) or to receive the payment through the card payment.

In the above embodiment, each affiliated member company 21, 22 or 2M may be associated with one or more payment approval brokerage companies 31, 32 and 3N, respectively, so as to receive payment through card payment. That is, the payment approval brokerage company (31, 32 or 3N) associated with each affiliate member company (21, 22 or 2M) may be different, one merchant member company (21, 22 or 2M) is one or more than one merchant member company It can be associated with. In addition, each payment approval broker 31, 32 or 3N may be associated with one or more card issuing companies 41, 42 and 4P for card payment.

For example, in the case of a surrogate operation service, a customer requests a service to a specific surrogate operation service provider, and in order to receive such a request for service, one or more surrogate operation service providers may act alone or in combination with the management center. The call center operates a call center that assigns a surrogate operation service provider (article) to provide the service to the customer in response to the request of the customer, and further settlement process according to the surrogate operation service provision process, payment process, and payment. And the like according to a predetermined procedure. In particular, when two or more surrogate operation service providers jointly establish the call center, the call center requests surrogate operation service from the customer as necessary in selecting and assigning a surrogate operation provider (engineer) to provide services to the customer. It is also possible to use a surrogate operation provider (article) belonging to a company other than the surrogate operation service provider that received the service.

In the surrogate operation service transaction process, the customer may be regarded as a purchaser 10, a surrogate operation service provider, an affiliated store member company 20, and a surrogate operation service provider (article) as a sales provider 50. In addition, it can be seen that a plurality of affiliated member companies 20 jointly use the retailer provider 50 in jointly operating a management center (call center), in which case the transaction process of goods and services is a common product and Complicated compared to service transactions.

As described above, in the transaction process of goods and services, the two or more affiliated member companies 20 jointly use the sales provider 50, so that each sales provider 50 has to assist or act for the transaction of the goods and services. Merchant member company 20 is characterized in that can be changed from time to time. For example, in the surrogate operation service transaction process, the management center (call center) is the surrogate operation service of the sales provider 50 for each transaction request of the buyer 10 received by the surrogate operation service providing circuit of one affiliate member company 20. By selecting an article to provide a service to the buyer 10, the affiliated member service company 20, ie, the agency service provider, which the agency driver service assistant must support or act on a transaction basis, may be changed.

As described above, if the affiliated member company 20 that the sales provider 50 has to subsidize or act on its behalf changes from time to time, the sales provider 50 may appropriately perform the payment terminal 200 or the equivalent function for card payment. Even if the means are available, the process of receiving payment through credit card is complicated. That is, for payment by the card, the merchant information of the affiliated member company 20 together with card information (card number, expiration date, etc.), payment information (payment amount, payment method, etc.) is required, and the sales provider 50 supplies goods or services. Since the merchant member company 20 and the corresponding merchant information may vary for each case, the card payment process is complicated.

In addition, preferably, the sales provider 50 may input affiliate store information differently for each card payment case, but it takes time to input the merchant information and if the sales provider 50 knows all the merchant information, There is a risk of leakage, and when the affiliated member company 20 newly joins or withdraws, there is a problem that the merchant-related information must be updated from time to time.

On the other hand, in the embodiment, the affiliated merchant member (21, 22 or 2M) by the different payment approval brokerage company 31, 32 or 3N can be linked to the card payment. In this case, it is necessary to confirm the payment approval request message generated from the payment provider 200 held by the sales provider 50 to which payment approval brokerage company 31, 32, or 3N to obtain payment approval. Do.

Therefore, one or more affiliated member companies 21, 22, and 2M jointly operate the management center 60, and jointly use the sellers 50 to trade goods or services and to settle payment cards. If performed, there is a problem in that the card payment process is complicated because it requires the confirmation of the payment approval broker (31, 32 or 3N) to deliver merchant approval information and corresponding payment approval messages for each transaction or payment.

On the other hand, as the types of cards used for card payment are diversified, the payment process is also complicated. For example, when using a postpaid (credit) card or debit card, the merchant member company 20 is connected to the card issuing company 40 through the payment approval brokerage company 30 to complete the request for approval and approval to pay the price However, if a prepaid card is used, the affiliated member company 20 may be directly linked with the card issuing company 40 without the payment approval brokerage company 30 to enable payment. In addition, the payment approval brokerage company 30 may also be implemented differently through the VAN company and the case through the PG company. Therefore, in order to enable card payment using various types of cards, there is a problem in that a conventionally installed card payment system is changed or the configuration of the card payment system becomes more complicated.

An object of the present invention is to solve the above problems to prevent excessive concentration of predetermined information in the payment terminal 200 used for card payment, thereby increasing the security of the card payment system card It is an object of the present invention to prevent fraudulent use of.

In addition, unlike the conventional portable card payment system in implementing a portable card payment system that can pay the bill regardless of the place and time, it is another embodiment of the present invention to implement a card payment system that is not dependent on the mobile communication company Purpose. That is, in implementing a card payment system using various wired or wireless communication networks, including mobile communication networks, the use of resources established by a communication company is minimized, and additional services or service provider servers provided by each communication company in the authentication and payment process. To present a card payment system that does not use.

In addition, one or more card merchant member companies 20 jointly operate a management center for the sale of goods or services, or jointly use resources including the sales provider 50 for the sale of goods or services. It is another object of the present invention to provide a system and method for more effective card payment. That is, one or more merchant member companies 20 jointly use the sales provider 50, or the merchant member companies 20 linked to different payment approval brokerage companies 30 jointly operate the management center 60. The purpose of this paper is to propose a card payment system for facilitating the process of carrying out the payment of goods or services and the payment of the payment.

In addition, even if various types of cards are used, a card payment system capable of paying a card with a simple procedure while minimizing the change of a conventionally installed card payment system is proposed.

Card payment system and method using the intermediary system according to the present invention for achieving the above object is a buyer (10), merchant member company 20, payment approval brokerage company (30), card issuer (40) and sales provider (50) It is characterized by introducing an intermediary system to effectively carry out transactions and card payment between goods or services.

The purchaser 10 is a subject that purchases goods or services sold by the affiliated member company 20 and uses a card issued by the card issuing company 40.

The merchant member company 20 sells the goods or services to the buyer 10, the card issuing company 40 or the payment approval brokerage company 30 through a predetermined procedure to receive payment through the card payment ) Is a registered member of either or both.

The payment approval brokerage company 30 mediates the card payment process according to a predetermined procedure between the affiliated member company 20 and the card issuing company 40, or the card issuance process such as collecting a sales slip or the like. Perform some work entrusted by the company 40. Typically, VAN (Valude Added Network) or PG (Payment Gateway) is a representative example of the payment approval broker 30.

The card issuing company 40 issues credit (deferred) cards, prepaid cards, debit cards, point cards or cash receipt cards, and the like, credit card companies, banks, electronic money companies, the IRS, or general corporations that can issue cards. This card issuing company 40 is included.

The sales provider 50 may be an employee employed by the affiliated member company 20, or may not be employed by the affiliated member company 20, but may assist or assist the affiliated member company 20 according to a contract with the affiliated member company 20. On behalf of the merchant member company 20 and performs a predetermined action related to the transaction or transaction of goods or services between the buyer (10).

In addition, the sales provider 50 is employed by a third party delegated from the merchant member company 20 to the transaction and some actions related to the transaction through a contract with the merchant member company 20, or with the third party. A person, a group, a for-profit corporation or a company that performs a part of a task to be performed by the third party, such as a contract, and the like, and a representative example of the sales provider 50 is authorized to deliver goods from the affiliated member company 20 A typical example is a courier engineer who is employed by a courier company or acts on behalf of a courier company by contract.

Therefore, the sales provider 50 serves to assist or act on the affiliated member company 20 in the process of performing a transaction or transaction related to the goods or services, and the affiliate, employment relationship, and contract relationship. Etc. are not particularly limited. In addition, if necessary, the sales provider 50 is relatively independent without being affiliated with a particular affiliate member company 20, and the linkage relationship with the affiliated member company 20 may also be frequently changed.

Examples of the actions performed by the sales provider 50 may be to sell or supply the goods to the buyer 10, provide services to the buyer 10, or provide the sold goods to the buyer by substituting or acting on the affiliated member company 20. It may be delivered to (10), or paid for through the card payment from the buyer (10). The sales provider 50 may be one of an individual, a group, a non-profit corporation, or an enterprise, and a visiting salesman, a learning assistant, an insurance salesman, a delivery person, a surrogate driver, a quick service driver, a taxi driver, a courier driver, and the like are the sales provider ( Representative examples included in 50).

The management center 60 is operated alone or jointly or entrusted to a third party to efficiently perform a predetermined action related to the sale and sale of goods or services by one or more affiliated member companies 20. It is.

The management center 60 serves to manage the mediation or support of the goods or services transaction or card payment process. The intermediary or support role of the transaction is a sales activity for the sale of the goods or services, the delivery of the goods to the buyer 10, the provision of the services to the buyer 10, the sale of the goods or services in a series of processes related to the transaction or the transaction. Supervising or managing the actions performed by the providers 50. In addition, the management role of the card payment process is a post-processing, such as providing information for card payment, receipt issuance or approval result notification, or the merchant member company 20, the payment approval brokerage company 30 or the card issuing company ( 40) linking between.

In particular, the management center 60 performs the card payment process management role by using the intermediary system for each card payment by the affiliated member company 20, the sales provider 50, payment approval brokerage company 30 or It provides a function to enable information exchange and interaction by setting or resetting the linkage relationship between the card issuing company 40.

Therefore, the card payment system and method using the intermediary system according to the present invention is a conventional case in which the buyer 10, the affiliated member company 20, the payment approval brokerage company 30, and the card issuer 40 are connected in a single line. However, even if a plurality of sellers 50, a plurality of merchant member companies 20, a plurality of payment approval brokers 30 or a plurality of card issuers 40 are intricately linked There is a characteristic that the card payment for the transaction and the transaction value is effectively made.

In addition, the card payment system and method using the intermediary system according to the present invention is the merchant member 20, the seller 50, the payment approval broker 30 or the card issuing company 40 for each card payment case as described above It is possible to provide a function to enable information exchange and interaction by establishing or resetting the linkage between the sellers, so that the sellers 50 are subordinated to a particular merchant member company 20 to perform transactions and transactions of goods or services. In addition to the conventional case in which payment is made, the seller 50 exists independently of the affiliated member company 20, and even if the mutual relationship between the seller 50 and the affiliated member company 20 changes frequently. It is characterized by effective card payment for goods and services transaction and transaction price.

Card trading system and method in the present invention has the following effects.

First, to prevent excessive concentration of predetermined information in the payment terminal 200 used for card payment, thereby increasing the security of the card payment system to prevent fraudulent use of the card.

Second, in implementing a portable card payment system, a card payment system that does not depend on a mobile carrier may be implemented by using an intermediary system, unlike a conventional portable card payment system, without using a mobile communication company server.

Third, when one or more card merchant member companies 20 jointly operate a management center for the sale of goods or services, or jointly use resources including the sales provider 50 for the sale of goods or services. More effective card payment is possible.

Fourthly, even if various types of cards are used, a card payment system capable of paying a card with a simple procedure while minimizing a change in a conventionally installed card payment system is proposed.

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the embodiment according to the present invention will be described in detail.

5 is a schematic diagram illustrating a configuration of a card payment system using an intermediary system according to an embodiment of the present invention.

As shown, the card payment system using the intermediary system 100 is operated by one or more affiliated member companies 20 alone or jointly to effectively perform a predetermined action related to the sale or sale of goods or services The intermediary system 100 installed in the management center 60, the intermediary system 100 is connected to the intermediary system 100 via a wired or wireless communication network, and the sales provider 50 assisting or acting on the affiliated store member company 20 is provided by the purchaser 10. Payment terminal 200 used to sell goods or services or to effectively perform the card payment, one or more payment approval intermediation server 300 is connected to the intermediary system 100 and a wired or wireless communication network (300) ), One or more payment approval servers connected to the intermediary system 100 or the payment approval intermediation servers 300 through a wired or wireless communication network. Characterized in that it comprises a 400.

The wired or wireless communication networks connecting the payment terminal 200, the intermediary system 100, the payment approval intermediation servers 300 or the payment approval servers 400 may be implemented in various technologies. For example, short-range wireless communication (Bluetooth, Zigbee, Wi-Fi, etc.) network, such as a mobile telephone network, a portable Internet network (such as WiBro or WiMAX network), a public frequency communication network, etc. may be used. In addition, not only a public wired communication network such as an internet network, a telephone network, a cable TV network, but also a wired communication network based on a leased line may be used.

In one embodiment of the card payment system using the intermediary system 100 according to the present invention, the payment terminal 200 can provide a predetermined means required for card payment provided by a conventional payment terminal 200. It is characterized by. That is, the payment terminal 200 basically provides a means for acquiring card information (card number, expiration date, etc.) (card information reading or card information input means, etc.), or the payment request message medium system 100. It is characterized in that it provides a means for transmitting to, or notified whether the approval from the intermediate system (100). In addition, it may additionally provide a means for inputting payment information (payment amount, installment, installment month, etc.) or may provide a means for storing and providing merchant information in advance if necessary. It is done. Therefore, in one embodiment of the card payment system using the intermediary system according to the present invention, the card payment system using the payment terminal 200 functionally the same as the payment terminal 200 used in the conventional conventional card payment system. Can be implemented.

In addition, the payment terminal 200 can be implemented using the electronic device 201 as shown in FIG. The electronic device 201 may be any one of devices, such as a mobile phone, PDA, smart phone, portable Internet terminal, laptop, PMP, navigation terminal, PC, wired or wireless data modem that was not generally used as a means for card payment Preferably, the electronic device 201 should be in an environment capable of executing an application program for card payment to enable card payment using the electronic device 201.

In addition, the electronic device should be provided with means for exchanging predetermined information necessary for card payment with the intermediary system 100 through a wired or wireless communication network. More preferably, the electronic device 201 should provide an environment in which an application program for card payment can be executed, and download and store the application program for card payment from the intermediary system 100. It must be able to provide an environment that can

In addition, the electronic device 201 may additionally include a means for inputting card information or input of payment information, a means for storing and providing affiliate information, or confirming information of the purchaser 10 ( It is desirable to have a means for receiving a signature).

In addition, the payment terminal 200 may be implemented using the electronic device 201 and the card reader 201 interlocked with the electronic device 201, as shown in FIG. In this case, the electronic device 201 should be provided with means for exchanging predetermined information necessary for card payment with the card reader 202 for information required for card payment through a wired or wireless communication network.

The card reader 202 has to be connected to the electronic device 201 in a wired or wireless manner so as to exchange information required for card payment with the electronic device, and the card reader 202 has card information. It is characterized in that it can provide a means that can be read alone or in conjunction with the electronic device 201.

Wired or wireless connection method of the card reader 202 and the electronic device 201 can be implemented in various ways, as well as various wireless connection methods such as WLAN, Bluetooth, ZigBee as well as wired connection based on USB, serial communication or parallel communication Can be used.

In addition, the card reader 202 may further input means for inputting card information or payment information, means for storing and providing merchant information, or inputting confirmation information (signature, etc.) of the purchaser 10. It can be provided with a means to receive.

The payment terminal 200 used in the embodiment of the card payment system according to the present invention or the electronic device 201 for replacing the function of the payment terminal 200 is preferably the payment terminal 200 or the electronic device ( 201 may be stored in the payment terminal 200 or the electronic device 201 (payment information, payment information, merchant information, signature information, other information) by a remote operation or a remote request by the intermediary system 100. Some or all) to the intermediate system 100, or may further provide a function that can be controlled remotely. That is, since the intermediary system 100 remotely operates the payment terminal 100 or the electronic device 200 or executes a request for information transmission remotely, the intermediary system 100 performs a card payment process more effectively. Provides executable features.

In addition, the payment terminal 200 or the electronic device 201 stores information necessary for selling goods or services or information required for card payment in the payment terminal 200 in advance or transferred from the intermediate system 100. It is characterized by being able to receive and provide. The information necessary for the sale of the goods or services or the information required for the payment of the card may include information related to the goods or services to be sold by the sales provider 50 (information such as price and features), information on the purchaser 10 (information such as contact information), and the like. Information such as time and place appointment required for a transaction activity between the purchaser 10 and the sales provider 50 or instruction information, payment information or merchant information delivered to the sales provider 50 through the intermediary system 100, etc. Characterized in that it comprises a.

 The intermediary system 100 is characterized in that it provides a function of intermediary or support of goods or services transactions or card payment process management so that a predetermined process related to the sale and sale of goods or services can proceed effectively. That is, the intermediary system 100 is characterized in that it provides any means and functions to effectively perform the role of the management center 60 that one or more affiliated member companies 20, alone or jointly operated. .

Accordingly, the intermediary system 100 relays information transfer between the payment terminal 200, the payment approval intermediation server 300, or the payment approval server 400, or trades information, goods or services necessary for the sale of the goods or services. Information, the seller provider 50 information, the merchant member company 20 information, the payment approval brokerage company 30 information or the card issuing company 40 information, etc. may be provided as necessary, Post-processing such as providing information required for card payment, issuing a receipt or notification of approval result, or establishing or resetting an association between the affiliated member company 20, the payment approval brokerage company 30, or the card issuing company 40. It characterized in that to provide.

The intermediate system 100 is connected to the payment approval server 400 through the payment approval intermediation server 300 or the intermediate system 100 is directly connected to the payment approval server 400 to transmit and receive information. The connection target may vary according to the policy of the card and the card issuing company 40 used for card payment.

More preferably, the intermediary system 100 is one or two as well as the conventional case in which the buyer 10, the affiliated member company 20, the payment approval broker 30, and the card issuing company 40 are connected in a single line. Merchants 50, one or more merchant member companies 20, one or more payment approval brokerage companies 30 or a plurality of card issuers 40 are complexly linked for card payment Since the merchant member companies 20 use the sales provider 50 through the management center 60 to jointly trade goods or services, the merchant member company 20 to which the sales provider 50 must assist or act It is characterized in that it provides a means for effectively making a card payment even if the transaction is changed from time to time.

That is, the intermediary system 100 is the payment terminal 200 for each transaction of goods or services through the determination according to a predetermined procedure from the information transmitted from the payment terminal 200 or the information stored in the intermediary system 100 itself. ), A means for establishing or resetting a linkage relationship between the intermediary system 100, the payment approval intermediation server 300, or the different payment approval server 400, and providing information exchange and interaction. It is done.

For example, the affiliated member company 20 is registered (affiliated) with a specific payment approval brokerage company 30 or a specific card issuing company 40 for each affiliated member company 20, one or more of the affiliated member company 20 is managed In the case of selling goods or services by jointly utilizing the sales provider 50 through the center 60, the affiliated member company 20, which should be subsidized or acted by the sales provider 50, may vary for each transaction. However, the intermediary system 100 determines the affiliated member company 20 assisted or acted by the sales provider 50 for each transaction, and the payment approval brokerage company 30 associated with the affiliated member 20. Alternatively, it is desirable to provide a means for selecting the card issuing company 40 to enable information exchange and interaction required for card payment.

Due to the characteristics of the intermediary system 100 as described above, the payment approval intermediation server 300 and the payment approval server 400 may be functionally the same as those used in a conventional card payment system. That is, although the payment approval intermediation server 300 or the target to which the payment approval server 400 is connected may be different from the conventional case, the interface method, the information transfer method, the performing function, etc., are the conventional payment approval intermediation server 300. ) And the payment approval server 400 may be implemented.

In the conventional conventional card payment system, the payment approval intermediation server 300 or the payment approval server 400 is directly connected to the payment terminal 200 through a wired or wireless communication network, in the embodiment according to the present invention. There is a difference that the payment approval intermediation server 300 or the payment approval server 400 is connected to the payment terminal 200 through the intermediary system 100 (via). Representative examples of the payment approval intermediation server 300 is a VAN company server or PG company server, etc. Representative examples of the payment approval server 400 is a credit card company server, bank server, electronic money generator server, prepaid card issuance Corporate servers are a good example. Therefore, even in the case of jointly utilizing the sales provider 50 to perform a predetermined action related to the sale or sale of goods or services on behalf of or affiliated member company 20, the conventional payment approval intermediation server 300 or payment It is another feature of the present invention that the card payment can be performed using the authorization server 400.

That is, a plurality of sellers 50, a plurality of merchant member companies 30, a plurality of payment approval brokerage companies 30, or a plurality of card issuers 40 are complicatedly linked, the relationship is Even if it changes from time to time by introducing the intermediary system 100 by using the devices used in the conventional card payment system (payment terminal 200, payment approval brokerage server 300 or payment approval server 400) It is characterized by the ease of implementation of the system.

In addition, in the embodiment according to the present invention, the intermediary system 100 between the payment terminal 200, the intermediary system 100, the payment approval intermediation server 300 or the payment approval server 400 for card payment for each transaction. Since information exchange and interaction can be selected and linked, credit (postpay) is used even when the devices used in the conventional card payment system (payment terminal 200, payment approval intermediation server 300 or payment approval server 400) are used. The card, prepaid card, debit card, point card, cash receipt card using a variety of cards to provide a feature that facilitates payment.

The card payment system using the intermediary system 100 according to the present invention may further include an affiliated member company server 600 connected to the intermediary system 100 through a wired or wireless communication network. The affiliated member company server 600 is operated by one or more affiliated member companies 20 as necessary. Therefore, the intermediary system 100 may provide or receive information related to a transaction or a card payment of goods or services to the affiliated member company server 600.

In addition, the card payment system using the intermediary system 100 according to the present invention may further comprise a user terminal 700 connected to the intermediary system 100 via a wired or wireless communication network. The user terminal 700 provides a means for accessing the intermediary system 100 through a wired or wireless communication network, where a purchaser 10 or a third party accesses the intermediary system 100 to exchange information. Means used for. Accordingly, the intermediate system 100 may provide or receive information related to the transaction or payment of the goods or services to the purchaser 10 or a third party through the user terminal 700.

For example, through the user terminal 700, the buyer 10 may request a transaction of goods or services, confirm a transaction process, or receive a card payment receipt. In particular, the intermediary system 100 additionally allows the purchaser 10 to access the user terminal 700 and output a receipt, even if the purchaser 10 does not issue a card payment receipt through the payment terminal 200. If necessary, the buyer 10 provides a feature to issue a receipt.

As described above, in the card payment system using the intermediary system 100 according to the present invention, one or two or more sellers 50 trade and trade goods or services on behalf of one or two or more affiliated member companies 20. By introducing the intermediary system 100 in the payment to the card according to the simplification of the card payment process, it is possible to use a conventional device, or to enhance the security that can prevent information leakage I can provide it. That is, the intermediary system 100 is to play a key role of the card payment system according to the present invention.

6 is a schematic diagram of a configuration of the intermediary system 100 according to an embodiment of the card payment system using the intermediary system according to the present invention.

As shown, the intermediary system 100 is a transaction management server 110 that performs operations, judgment, information processing, etc. necessary to perform a function of mediating or supporting a goods or service transaction or managing a card payment process, Database 120 and payment terminal 200 to store the predetermined information required for the transaction or payment of goods or services in connection with the transaction management server 110, if necessary to the transaction management server 110 The payment approval intermediary server 300 or the payment approval server 400 and the communication unit 130 to provide a connection through a communication network, information input and output unit 140 for inputting or expressing or transmitting information to the outside, and And a storage unit 150 for storing information such as a program required to perform a function of mediating or supporting a goods or service transaction or managing a card payment process. do.

The information such as the program stored in the storage unit may include not only the operation of the intermediate system 100 but also information such as a program necessary for the operation of the payment terminal 200 interoperating with the intermediate system 100. .

The transaction management server 110 performs an essential function in managing the intermediary system 100 goods or service transaction brokerage or support or the card payment process, and the buyer 10, if necessary Execution of goods or services transactions, settlement of payments according to transactions, management of transaction processes or settlement processes, or additional activities after the transaction or settlement is completed, as necessary to the affiliated member company 20 or the sales provider 50, etc. It can provide the information necessary to manage the process, or to perform the relevant action.

For example, the purchaser 10 may request the purchase of an item or service through the distance management server 100, determine his purchase history, check the payment history after completing the purchase, or prove the payment. You can print a receipt. In addition, the affiliated member company 20 may also receive or confirm necessary information such as sales details and transaction process information of goods and services through the transaction management server 110. For example, the sales process information may be sold. The sales provider 50 in charge of the information, the point of sale, the amount of sales, whether or not to approve or reject the card payment can check a variety of information generated during the transaction of goods and supplies. In addition, the sales provider 50 sells the goods or services to the buyer 10, the buyer 10 information such as buyer location, sales reservation time, etc. necessary for receiving payment with a card, the sales provider 50 The affiliated member company 20 to be supplemented or acted on, or necessary information can be confirmed or provided through the transaction management server 110.

The affiliated member company information 121, the sales provider information 123, the buyer information 124, the transaction and payment information 125, or the intermediary system 100 in connection with the database 120, the transaction management server 110 is It performs the function of storing or providing any other information 126 necessary to perform the role of managing the brokerage or support of goods or services transactions or the card payment process.

Each system consists of a transaction management server and a database that manages the transaction process, and the database essentially stores transaction details and payment details, merchant information, sales employee information, and the like, and additionally customer information.

7 illustrates an embodiment of a card payment method using an intermediary system according to the present invention. Card payment method using the intermediary system according to the present invention is a card payment system consisting of a payment terminal 200, an intermediary system 100, a payment approval intermediation server 300 and a payment approval server 400, the payment terminal ( Acquiring the card information through the step (S20), obtaining the payment information through the payment terminal 200 (S21), transmitting the card information or the payment information to the intermediate system (S100) ( S22), retrieving affiliate store information from the intermediary system 100 (S34), the settlement approval intermediary server 300 or settlement approval server 400 to be connected to the merchant information in the intermediary system 100 for card payment; ) Determining, generating payment information including the card information, payment information, and merchant information (S30), and transmitting a payment approval request message including the payment information to the payment approval intermediation server 300. Step S31, The payment approval intermediation server 300 passes the payment approval request message to the payment approval server 400 through a predetermined procedure (S32), and the payment approval server 400 based on the payment approval request message. Determining whether or not the approval (S33), the payment approval server 400 transmits the approval notification to the payment approval intermediation server 300 (S34), the payment approval intermediation server 300 is the intermediate system Delivering the approval notification to (100) (S35), and the intermediate system 100 is characterized in that it is implemented including a step of delivering the approval notification to the payment terminal (200) (S36). .

The card payment method using the intermediary system according to the present invention is characterized in that the payment information is generated in the intermediary system 100 instead of the payment terminal 200 unlike the conventional case. That is, the payment terminal 200 transmits only card information or payment information, and stores other information including merchant information necessary for generating payment information in the intermediate system 100 and uses it for generation of payment information. In particular, the payment information may be provided by the intermediary system 100 in some cases.

Due to the above-described features, the card payment method using the mediation system according to the present invention may, firstly, prevent leakage of affiliated store information and the like, and secondly, the affiliated store information may be assigned in the intermediate system 100 for each card payment case. . That is, even if a plurality of affiliated member companies 20 share a single payment terminal 200, there is no need to input merchant information to the payment terminal 200 for each payment, and also frequently to the payment terminal 200. It is also easy to replace.

In addition, the card payment method using the intermediary system according to the present invention, after the medium system 100 performs the step (S36) of transmitting the notification of the approval to the payment terminal 200, to make a card payment It may be implemented by further comprising the step (S37) of obtaining the confirmation information of the buyer 10 via the payment terminal 200. Acquiring the confirmation information (S37) is a step of receiving confirmation from the buyer by a method such as card input password, social security number input or signature.

In addition, the card payment method using the intermediary system according to the present invention additionally notify the completion of the intermediary system 100 in the payment terminal 200 (S38), or the intermediary system 100 affiliated member company ( 20) further comprising any one of the steps (S39) of notifying the completion of the approval or going to the buyer 10 to be issued a receipt (S39) is characterized in that it is implemented.

In addition, in the card payment method using the intermediary system according to the present invention, the mag system 100 notifies the payment completion of the approval intermediation server 300 or payment approval server 400, or the payment approval intermediation server ( 300 or the step of executing in the normal card payment process, such as the process of notifying the purchaser 100, etc. of the completion of the approval by the payment approval server 400 may be further added.

Meanwhile, in the card payment system using the intermediary system according to the present invention, the payment terminal 200 may be composed of an electronic device 201 and a card reader 202 interworking with the electronic device. In this case, in the step S21 of acquiring card information in the card payment method using the intermediate system according to the present invention, the card information is read using the card reader 202, and the card information. It can be implemented by sending to the payment terminal.

In addition, in the card payment method using the intermediary system according to the present invention, when the payment terminal 200 is composed of the electronic device 201 and the card reader 202 in conjunction with the electronic device, the confirmation information Acquiring the step (S37) may be implemented by acquiring confirmation information through the electronic device 201, or acquiring the confirmation information through the card reader 202, and transmitting the card information to the payment terminal. Can be.

On the other hand, the intermediary system 100 according to the present invention is characterized in that it can provide not only means necessary for the card transaction, but also the function of mediating or supporting the transaction of goods or services or managing the card payment process. Therefore, the card payment method using the intermediary system according to the present invention may further comprise a process for managing the brokering or support or card payment process of goods or services transactions.

8 illustrates another embodiment of a card payment method using an intermediary system according to the present invention. The card payment method using the intermediary system according to the present invention is a card payment system consisting of a payment terminal 200, an intermediary system 100, a payment approval intermediation server 300 and a payment approval server 400, wherein the intermediary system ( Receiving a transaction request of the buyer 10 through 100 and registering in the transaction list (S10), determining the sales provider 50 to engage in the transaction (S11), the sales provider 50 is used The step of transmitting the transaction list information to the payment terminal 200 (S12), the payment terminal 200 to exchange the information required for the transaction process (S14), the payment terminal 200 for card payment Acquiring card information through S20, acquiring payment information through the payment terminal 200, transmitting the card information or the payment information to the intermediate system S100 (S22). ), The merchant information in the intermediate system 100 Searching (S34), determining the payment approval brokerage server 300 or payment approval server 400 to be connected to the merchant information card payment in the intermediary system 100, the card information, payment information And generating payment information including affiliate store information (S30), transmitting a payment approval request message including the payment information to the payment approval broker server 300 (S31), and the payment approval broker server 300 (S32) passing the payment approval request message to the payment approval server 400 through a predetermined procedure, and determining whether to be approved based on the payment approval request message by the payment approval server 400. (S33), the payment approval server 400 transmits a notification of approval or not to the payment approval intermediation server 300 (S34), and the payment approval intermediation server 300 receives the approval to the intermediate system 100. Delivering whether the notification (S35), The intermediate system 100 is characterized in that the implement includes a step (S36) for transferring the approval notification to the payment terminal (200).

The card payment method using the intermediary system according to the present invention is characterized in that the payment information is generated in the intermediary system 100 instead of the payment terminal 200 unlike the conventional case. That is, the payment terminal 200 transmits only card information or payment information, and stores other information including merchant information necessary for generating payment information in the intermediate system 100 and uses it for generation of payment information. In particular, the payment information may be provided by the intermediary system 100 in some cases.

Due to the above-described features, the card payment method using the mediation system according to the present invention may, firstly, prevent leakage of affiliated store information and the like, and secondly, the affiliated store information may be assigned in the intermediate system 100 for each card payment case. . That is, even if a plurality of affiliated member companies 20 share a single payment terminal 200, there is no need to input merchant information to the payment terminal 200 for each payment, and also empty the payment terminal 200. It is easy to replace it frequently.

In the card payment method using the intermediary system according to the present invention, after performing the step (S13) in which the transaction list information is additionally transmitted to the payment terminal, the sales provider 50 may select a list of transactions to be performed by the seller. After the step S13 is further included, the step S14 of exchanging information necessary for a transaction process with the payment terminal 200 may be implemented.

In addition, the card payment method using the intermediary system according to the present invention, after the medium system 100 performs the step (S36) of transmitting the notification of the approval to the payment terminal 200, to make a card payment It may be implemented by further comprising the step (S37) of obtaining the confirmation information of the buyer 10 via the payment terminal 200. Acquiring the confirmation information (S37) is a step of receiving confirmation from the buyer by a method such as card input password, social security number input or signature.

In addition, the card payment method using the intermediary system according to the present invention additionally notify the completion of the intermediary system 100 in the payment terminal 200 (S38), or the intermediary system 100 affiliated member company ( 20) further comprising any one of the steps (S39) of notifying the completion of the approval or going to the buyer 10 to be issued a receipt (S39) is characterized in that it is implemented.

In addition, in the card payment method using the intermediary system according to the present invention, the mag system 100 notifies the payment completion of the approval intermediation server 300 or payment approval server 400, or the payment approval intermediation server ( 300 or the step of executing in the normal card payment process, such as the process of notifying the purchaser 100, etc. that the approval is completed by the payment approval server 400 may be further added.

Meanwhile, in the card payment system using the intermediary system according to the present invention, the payment terminal 200 may be composed of an electronic device 201 and a card reader 202 interworking with the electronic device. In this case, in the step S21 of acquiring card information in the card payment method using the intermediate system according to the present invention, the card information is read using the card reader 202, and the card information. It can be implemented by sending to the payment terminal.

In addition, in the card payment method using the intermediary system according to the present invention, when the payment terminal 200 is composed of the electronic device 201 and the card reader 202 in conjunction with the electronic device, the confirmation information Acquiring the step (S37) may be implemented by acquiring confirmation information through the electronic device 201, or acquiring the confirmation information through the card reader 202, and transmitting the card information to the payment terminal. Can be.

1 is a diagram illustrating a linkage relationship between an actor and a transaction agent in a conventional goods or service transaction and payment process;

2 is a block diagram of a conventional card payment system according to a typical embodiment,

3 is a process (method) of performing a card payment using a conventional card payment system according to a typical embodiment,

4 is a process in which one or more affiliated member companies independently or jointly operate the management center 60 to jointly use the sales providers 50 to sell goods or services or receive payment for payment through card payment. Connection between actors,

5 is a configuration diagram of a card payment system using an intermediary system according to an embodiment of the present invention;

6 is a configuration diagram of the intermediary system 100 according to an embodiment of the card payment system using the intermediary system according to the present invention;

7 is an embodiment of a card payment method using an intermediary system according to the present invention, and

8 illustrates another embodiment of a card payment method using an intermediary system according to the present invention.

DESCRIPTION OF THE REFERENCE NUMERALS

10: Buyer 20: Merchant member company

20: Payment Approval Broker 30: Card Issuing Company

40: card issuer 50: seller

100: intermediate system 200: payment terminal

300: payment approval broker 400: payment approval server

Claims (1)

In performing the card payment for the transaction and the payment of goods or services between the buyer 10, the merchant member company 20, the settlement approval broker 30, the card issuer 40 and the seller 50, Introduces the intermediary system 100 used jointly by the affiliated member companies 20, and the buyer (10), merchant member company (20), sales provider (50) for each transaction and card payment by using the intermediary system (100) Transactions and cards using the intermediary system, characterized in that to manage the transaction and payment relationship between the payment approval brokerage company 30 or the card issuing company 40 to enable information exchange and interaction for transactions and card payments Payment Method.

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