KR20100129452A - Pos terminal system and the use method that have banking service function - Google Patents

Pos terminal system and the use method that have banking service function Download PDF

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Publication number
KR20100129452A
KR20100129452A KR1020090048019A KR20090048019A KR20100129452A KR 20100129452 A KR20100129452 A KR 20100129452A KR 1020090048019 A KR1020090048019 A KR 1020090048019A KR 20090048019 A KR20090048019 A KR 20090048019A KR 20100129452 A KR20100129452 A KR 20100129452A
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KR
South Korea
Prior art keywords
information
server
credit card
payment
settlement
Prior art date
Application number
KR1020090048019A
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Korean (ko)
Inventor
이종수
최병호
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유비캐쉬(주)
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Priority to KR1020090048019A priority Critical patent/KR20100129452A/en
Publication of KR20100129452A publication Critical patent/KR20100129452A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself

Abstract

PURPOSE: A pos terminal system and an operating method having a banking service function are provided for a settlement server to provide approval information according to credit card payment and balance breakdown according to payment completion to a pos terminal thereby performing the selling specification administration through the pos terminal in real time. CONSTITUTION: A card company server(300) transmits the credit card agreement information to a VAN(Value Added Network) server(200). The card company server transmits the card payment deposit information to a bank server(500) after generating the card payment deposit information. A settlement server(400) stores the credit card agreement information or credit card disapproval information to a settlement DB(410). The settlement server stores the card payment deposit information to the settlement DB.

Description

POS terminal system with banking service function and its operation method {POS TERMINAL SYSTEM AND THE USE METHOD THAT HAVE BANKING SERVICE FUNCTION}

The present invention relates to a POS terminal system having a banking service function and an operation method thereof, and more particularly, to a technology for providing a banking service as well as providing integrated management of cash and credit card sales through a POS terminal. .

The general card approval process is as follows. First, when a customer makes a card payment through an affiliated store, the customer's card is checked through a credit card checker equipped with its own modem provided at the point where the transaction is made, and a card reader connected to the interface module or a computer equipped with a card reader. .

Subsequently, a credit card inquiry device in which information including the card number and transaction date of the checked card is used for communication means such as a modem or an interface module is transmitted to a public line network (PSTN), a wireless network, or a private network through a card reader means. It is sent to Bansa to request the approval of the card transaction, and Bansa, which has been asked for approval, is connected to the credit card company and the wired / wireless communication network and sends a card transaction approval signal to the credit card company for the relevant card, and then receives a transaction approval signal from them. This is done by notifying the credit card inquiryer or card reader of the branch that requested the approval through a public telephone line network (PSTN), a wireless network, or a dedicated network.

In general, large merchants or general companies that have frequent credit card transactions can check the sales status of the day only by the sales slip of the merchant side when checking the daily sales status, and the daily sales are deposited after several days for each credit card company to confirm and confirm the deposit. Only after the expiration date can you notice the difference between the sales slip and the credit card company's deposit history.

In the conventional card approval process, there is an approval history at the card company due to a communication failure that may occur during the transfer of card-related information between Bansa and the card company, but there is no approval history at the Bansa side and vice versa. There is a case that there is a case that the authorization details do not exist in the card company, and the card sales are frequently canceled automatically.

That is, the card approval request information read by the card reader, etc. provided at the merchant side is sent to the bansa and the card approval request information received by the bansa is sent to the card company, the card company allows the card approval, and sent to the bansa side Refers to communication failures that occur in the process.

Therefore, in spite of normal card transactions, there is a case where there is no accurate deposit or delay from the card company, so that the merchant side has a lot of difficulties in grasping the daily sales status.

In addition, it is very difficult to check whether a deposit is made to a single person by the current card company's collective deposit method. It is cumbersome to check at any time manually by hand whether it matches the historical information.

In addition, the merchant side causes inconveniences that must be confirmed by visiting a bank or an ATM (Automatic Teller Machine) equipped with a check in order to confirm the payment details paid from the card company according to the customer's card payment.

The present invention has been made to solve the above problems, the object of the present invention, in response to the credit card payment, account transfer, and giro, bill payment request received from the POS terminal of the merchant side, VAN server, card company server And the payment server connected to the bank server to provide the authorization information according to the credit card payment, the balance settlement information according to the bank transfer, and the payment history according to the request for payment of giro and utility bills to the POS terminal of the merchant.

POS terminal system having a banking service function of the present invention for achieving the technical problem, the credit card payment request information and credit card payment request information received through the POS terminal and transmitted to the VAN server and transmits the payment information Receives the transfer information and balance history request information received and received through the POS terminal, and the transfer information and balance settlement information corresponding to the transfer, and receives the giro, bill payment request information and received through the POS terminal Merchant server receiving corresponding giro and utility payment completion information, VAN server transmitting credit card authorization information or credit card disapproval information that matches credit card payment request information sent to card company server, and credit card DB User information and card limit information indexed from credit card and credit card payment request information received from VAN server If it is determined that the information is matched with each other and match each other, the card company that transmits the credit card authorization information to the VAN server, generates the card payment deposit information that pays the payment included in the credit card payment request information to the bank server The server and credit card authorization information or credit card disapproval information received from the VAN server are stored in the settlement database, the card payment deposit information received from the bank server is stored in the settlement database, and the bank transfer request information and the balance history request information are stored. Receives the transfer information and balance statement settlement information from the bank server and stores it in the settlement database, and the settlement of the payment of the giro and utility payment information corresponding to the giro and utility payment request information is received from the bank server and stored in the settlement database. Indexing the server and the account information corresponding to the bank transfer request information and the balance history request information from the banking DB, The balance of account information is added to the amount included in the transfer request information, and the summed account information is updated in the banking DB, and the bank information that matches the giro and utility payment request information is indexed from the banking DB. And a bank server which updates the banking DB with the giro and utility payment completion information generated by inserting the payment completion information into the banking DB.

In addition, the POS terminal is connected to a wired or wireless network to enable payment and payment processing (issued receipts) of payment methods (credit cards, check cards, debit cards, bank transfers, electronic money, etc.). It meets the standard (EMV), characterized in that it comprises a contact or contactless card reader and Sign Pad recognition means.

In addition, the POS terminal includes credit card payment request information, credit card authorization information, card payment deposit information, bank transfer request information, balance history request information, bank transfer completion information, balance history settlement information, giro, utility bill request information, and giro ㆍ output means for outputting utility billing completion information.

In addition, the POS terminal corresponds to credit card authorization information, card payment deposit information, bank transfer request information and balance history request information, corresponding bank transfer completion information and balance history settlement information, and giro and utility bill request information. It collects the information on the completion of the payment of gross and utility bills, generates daily and monthly sales slip information and tax invoice information, and generates a withholding execution status report according to payroll with reference to the account transfer completion information.

The card company server may generate credit card disapproval information and transmit the credit card disapproval information to the settlement server when the credit card payment request information, the user information indexed from the credit card DB, and the card limit information do not match with each other.

Hereinafter, the POS terminal operating method having a banking service function of the present invention based on the above-described system, the merchant server transmits the credit card payment request information received through the POS terminal to the VAN server, the VAN server credit card payment (A) transmitting the request information to the card company server; (b) determining whether the card company server matches the user information and the card limit information and the credit card payment request information indexed from the credit card DB; If the user information, card limit information and credit card payment request information indexed from the credit card DB match each other, the card company server sends the credit card authorization information to the VAN server and pays the price included in the credit card payment request information. (C) generating the card payment deposit information to the bank server, and the settlement server receives the credit card authorization information from the VAN server. (D) receiving the card payment deposit information from the server, (e) the merchant server receiving the credit card approval information and the card payment deposit information from the settlement server, and outputting the merchant card through the POS terminal. (F) transmitting the received bank transfer request information and the balance history request information to the settlement server, and the bank server indexes the account information corresponding to the bank transfer request information and the balance history request information received from the settlement server from the banking DB. (G) summing the balance of the indexed account information with the amount included in the account transfer request information to update the summed account information in the banking DB, the bank transfer completion information including the updated account information, and (H) generating balance payment settlement information and transmitting it to the settlement server, and the merchant server outputting account transfer completion information and balance settlement settlement information received from the settlement server; Steps.

Also, after the step (b), if the user information, the card limit information, and the credit card payment request information indexed from the credit card DB do not match with each other, the card company server generates the credit card disapproval information and transmits it to the settlement server. (c-1), and (d-1) the merchant server receiving and outputting the credit card disapproval information from the settlement server.

(I) after step (h), the merchant server transmits the giro and utility payment request information received through the POS terminal to the settlement server, and the settlement server transmits the giro and utility payment request information to the bank server; (J) the bank server indexing the giro and utility payment request information from the banking DB and updating the giro and utility payment completion information generated by inserting the payment completion information into the indexed giro history to the banking DB, and the bank server. And (k) transmitting the bill payment completion information to the settlement server, and the merchant server outputting the bill payment completion information received from the settlement server.

According to the present invention as described above, in response to the credit card payment request input from the POS terminal, the settlement server provides the POS terminal with the authorization information according to the credit card payment, and the balance details according to the payment completion, through the POS terminal It is effective to manage sales history in accordance with cash and credit card payment in real time.

In addition, in response to the request for payment of giro, utility bills and bank transfers received from the POS terminal, the settlement server provides the results of the payment of the giro, utility bills, transferred accounts, and balance information to the POS terminal. It is effective to process banking services including payments in real time.

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, terms and words used in the present specification and claims are to be interpreted in accordance with the technical idea of the present invention based on the principle that the inventor can properly define the concept of the term in order to explain his invention in the best way. It should be interpreted in terms of meaning and concept. It is to be noted that the detailed description of known functions and constructions related to the present invention is omitted when it is determined that the gist of the present invention may be unnecessarily blurred.

1 is a block diagram showing a POS terminal system (S) having a banking service function according to the present invention, Figure 2 is a relationship between the components of the POS terminal system (S) having a banking service function according to the present invention As shown in the figure, the merchant server 100, a value added network (VAN) server 200, card company server 300, the settlement server 400, and comprises a bank server 500.

Hereinafter, the description will be omitted, but information transmitted between the merchant server 100, the VAN server 200, the card company server 300, the settlement server 400, and the bank server 500 according to the present invention is wired or wireless. It is assumed that it is made through an information and communication network including a network.

1 and 2, the merchant server 100 transmits the credit card payment request information of the customer according to the input by the user's operation to the VAN server 200 through the POS terminal 110, POS terminal ( Receives the credit card authorization information and the card payment deposit information from the settlement server 400 through 110 to store in the affiliate DB (120).

In addition, the affiliated store server 100 transmits the account transfer request information and the balance history request information of the affiliated store or the user received through the POS terminal 110 according to the key input signal by the user's operation to the settlement server 400, Receives the transfer information and balance history settlement information from the settlement server 400 via the POS terminal 110 and stores in the affiliate DB (120).

In addition, the affiliated store server 100 receives the giro and bill payment request information received through the POS terminal 110 according to a key input signal by a user's operation and transmits it to the settlement server 400, and the POS terminal 110. Through the settlement server 400 receives the giro, utility payment completion information is stored in the affiliate DB (120).

In addition, the POS terminal 110 is connected to a wired or wireless network to enable payment and payment processing (issuance of receipts) of payment means (credit card, check card, debit card, bank transfer, electronic money, etc.). It meets the card-based financial services standard (EMV), has a contact or contactless card reader (MSR), and sign pad recognition means, and all kinds of credit settlements commonly used as wireless terminals are possible.

In addition, the POS terminal 110, the information received from the settlement server 400 through the output means provided or stored in the affiliate DB (120), that is, a daily card that matches the credit card authorization information as shown in FIG. Sales history, credit card authorization details as shown in FIG. 4, deposit details consistent with card payment deposit information as shown in FIG. 5, deposit transaction details as shown in FIG. 6, as shown in FIG. The same bank transfer request information and branch and utility bill request information as shown in FIG. 8 are output.

In addition, the POS terminal 110 includes credit card authorization information, card payment deposit information, bank transfer request information and balance history request information, corresponding bank transfer completion information and balance history settlement information, and giro and utility payment request information. Generates daily and monthly sales sales slip information by collecting the gross and utility payment completion information corresponding to and generates tax invoice information, and generates the withholding tax return report according to salary payment with reference to the transfer payment information do.

Here, the method of generating daily and monthly sales sales slip information, tax invoice information, and withholding tax status report is the same as that performed normally, in the present invention is differentiated in that it is generated in the POS terminal 110.

The POS terminal 110 may be output as illustrated in FIGS. 3 to 8, but the present invention is not limited thereto and may be modified according to a user's setting.

On the other hand, the VAN server 200 transmits the credit card payment request information received from the merchant server 100 to the card company server 300, the credit card authorization information or the credit card payment request information from the card company server 300 or Receives the credit card disapproval information and transmits it to the settlement server (400).

The card company server 300 indexes the user information and the card limit information stored in the credit card DB 310, and the indexed user information and the card limit information match the credit card payment request information received from the VAN server 200. In addition, it is determined whether the information is valid.

At this time, the card company server 300 transmits the credit card authorization information to the VAN server 200 when the credit card payment request information is valid information in accordance with the user information and the card limit information indexed from the credit card DB 310. To generate the card payment information to pay the payment included in the credit card payment request information and transmits to the bank server (500).

On the other hand, the card company server 300 does not match the credit card payment request information and the user information and the card limit information indexed from the credit card DB 310 is not valid information, the credit card disapproval information by generating a VAN server ( 200).

The settlement server 400 receives the credit card authorization information or the credit card disapproval information from the VAN server 200 and stores it in the settlement DB 410, and receives the payment information of the card payment from the bank server 500. ), And transmits the credit card authorization information, the card payment deposit information, or the credit card disapproval information to the merchant server 100.

In addition, the settlement server 400 transmits the bank transfer request information and the balance request information received from the merchant server 100 to the bank server 500, the bank transfer request information and balance history request information from the bank server 500 Receives the transfer information and balance details settlement information corresponding to the received and stored in the settlement DB (410) and transmits it to the merchant server (100).

The settlement server 400 transmits the giro and utility payment request information received from the merchant server 100 to the bank server 500, and the giro and utility bills match the giro and utility payment request information from the bank server 500. Receives the payment completion information is stored in the settlement DB (410) and transmits it to the merchant server (100).

The bank server 500 indexes the account transfer request information and the balance history request information received from the settlement server 400 from the banking DB 510, and the balance of the indexed account information is added to the bank transfer request information. The account information is added to the banking DB 510 by adding the included amount to the banking DB 510, and the account transfer completion information and the balance history settlement information including the updated account information are generated and transmitted to the settlement server 400.

In addition, the bank server 500 indexes the giro history corresponding to the giro and utility payment request information received from the settlement server 400 from the banking DB 510, and inserts the payment completion information into the indexed giro history. The giro, utility payment completion information is updated to the banking DB 510, and the giro, utility payment completion information is transmitted to the settlement server 400.

Hereinafter, a method of operating a POS terminal having a banking service function according to the present invention will be described with reference to FIG. 9.

First, the merchant server 100 transmits the credit card payment request information received through the POS terminal 110 to the VAN server 200, and the VAN server 200 sends the credit card payment request information to the card company server 300. It transmits (S10).

Subsequently, the card company server 300 determines whether the credit card payment request information received from the VAN server 200 matches the user information and the card limit information indexed from the credit card DB 310 (S20).

At this time, when the card company server 300 determines that the credit card payment request information, indexed user information and card limit information is valid information, the credit card payment information is transmitted to the VAN server 200, and the credit card payment request. The card payment deposit information generating the payment included in the information is generated and transmitted to the bank server 500 (S30a).

Subsequently, the settlement server 400 receives the credit card authorization information from the VAN server 200, receives the card payment deposit information from the bank server 500 (S40a), and the merchant server 100 setstles the settlement server 400. Credit card authorization information, and card payment deposit information received from the output (S50a).

On the other hand, if the credit card payment request information, indexed user information and the card limit information does not match the valid information, the card company server 300 determines that the credit card disapproval information is generated and sent to the settlement server 400 In operation S30b, the merchant server 100 outputs the credit card disapproval information received from the settlement server 400 (S40b and S50b).

Subsequently, the merchant server 100 transmits the account transfer request information and the balance history request information received through the POS terminal 110 to the settlement server 400, and the settlement server 400 requests the account transfer request information and the balance history. The information is sent to the bank server 500 (S60).

Subsequently, the bank server 500 indexes the account transfer request information received from the settlement server 400 and the account information corresponding to the balance history request information from the banking DB 510, and requests the account transfer request from the banking DB 510. The account information added to the sum included in the information is updated in the banking DB 510 (S70).

Afterwards, the bank server 500 generates the account transfer completion information and the balance settlement information including the updated account information and transmits it to the settlement server 400, and the merchant server 100 transfers the account from the settlement server 400. Receives and outputs the completion information and the balance history settlement information (S80).

Subsequently, the merchant server 100 transmits the giro and utility payment request information received through the POS terminal 110 to the settlement server 400, and the settlement server 400 transmits the giro and utility payment request information to the bank server 500. (S90).

Subsequently, the bank server 500 indexes the giro contents corresponding to the giro and utility payment request information from the banking DB 510, and inserts the payment completion information into the indexed giro contents, thereby banking the giro and utility payment completion information. The DB 510 is updated (S100).

Then, the bank server 500 transmits the giro and utility payment completion information to the settlement server 400, and the merchant server 100 receives and outputs the giro and utility payment completion information from the settlement server 400 (S110). .

The steps S10 to S50, the steps S60 to S80, or the steps S90 to S110 are received by the affiliate server 100 regardless of their order (credit card payment request information, or Bank transfer request information, balance history request information, and giro, utility bill request information).

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

1 is a flowchart showing a POS terminal system having a banking service function of the present invention.

2 is a view showing the relationship between the components of the POS terminal system having a banking service function according to the present invention.

Figure 3 is an exemplary view showing the daily sales history output from the merchant server 100 of the POS terminal system having a banking service function according to the present invention.

Figure 4 is an exemplary view showing the credit card authorization history that the merchant server 100 of the POS terminal system having a banking service function according to the present invention.

5 is an exemplary view showing a deposit history output from the merchant server 100 of the POS terminal system having a banking service function according to the present invention.

Figure 6 is an exemplary view showing a deposit transaction history output from the merchant server 100 of the POS terminal system having a banking service function according to the present invention.

7 is an exemplary view showing the account transfer request information output from the merchant server 100 of the POS terminal system having a banking service function according to the present invention.

Figure 8 is an illustration showing the giro, utility bill payment request information output from the merchant server 100 of the POS terminal system having a banking service function according to the present invention.

9 is a flowchart illustrating a method of operating a POS terminal having a banking service function of the present invention.

** Description of symbols for the main parts of the drawing **

S: POS terminal system with banking service function

100: merchant server 110: POS terminal

120: affiliated DB 200: VAN server

300: card company server 310: credit card DB

400: settlement server 410: settlement DB

500: bank server 510: banking DB

Claims (8)

In the POS terminal system having a banking service function, Credit card payment request information and credit card authorization information and card payment deposit information received through the POS terminal and transmitted to the VAN server are received, and the account transfer request information and balance history request information received and transmitted through the POS terminal are received. Merchant server for receiving the transfer information and balance history settlement information corresponding to the transfer, and the giro, bill payment completion information corresponding to the giro, bill payment request information received and transmitted through the POS terminal; A VAN server for transmitting credit card authorization information or credit card disapproval information corresponding to the credit card payment request information transmitted to a card company server to the settlement server; Determining whether the user information and the card limit information indexed from the credit card DB and the credit card payment request information received from the VAN server is matched with each other, if it matches with each other, and transmits the credit card authorization information to the VAN server, A card company server for generating card payment information for paying the amount of money included in the credit card payment request information and transmitting it to a bank server; The credit card authorization information or credit card disapproval information received from the VAN server is stored in the settlement DB, the card payment deposit information received from the bank server is stored in the settlement DB, the transfer request information and balance history request Receive bank transfer completion information and balance statement settlement information in accordance with the information from the bank server and stores in the settlement DB, and receives the giro, utility payment completion information corresponding to the giro, utility bill request information received from the bank server Settlement server for storing in the settlement DB; And The banking DB indexes the account information corresponding to the bank transfer request information and the balance history request information, and adds the balance of the indexed account information to the banking DB by adding the balance of the account information to the banking DB. A bank for updating the giro and utility payment completion information generated by inserting the payment completion information into the indexed giro history and indexing the giro contents corresponding to the giro and utility payment request information from the banking DB. server; POS terminal system having a banking service function comprising a. The method of claim 1, The POS terminal, Meets next-generation smart card-based financial services standards (EMV) to enable payment and payment processing (issued receipts) of payment methods (credit card, check card, debit card, bank transfer, electronic money, etc.) by connecting with wired or wireless network And POS terminal system having a banking service function, characterized in that it comprises a contact or contactless card reader and Sign Pad recognition means. The method of claim 1, The POS terminal, The credit card payment request information, credit card authorization information, card payment deposit information, bank transfer request information, balance history request information, bank transfer completion information, balance history settlement information, giro, utility bill payment information and giro, utility bill payment information Output means for outputting; POS terminal system having a banking service function comprising a. The method of claim 1, The POS terminal, Card payment deposit information corresponding to the credit card authorization information, account transfer request information and balance history request information, account transfer completion information and balance history settlement information, and jiro and utility bill request information; Banking service function that collects utility payment completion information, generates daily and monthly purchase sales slip information and tax invoice information, and generates a withholding execution status report according to payroll with reference to the bank transfer completion information POS terminal system having a. The method of claim 1, The card company server, If the credit card payment request information and the user information and the card limit information indexed from the credit card DB does not match with each other, the banking service function, characterized in that for generating the credit card disapproval information transmitted to the settlement server POS terminal system. In the POS terminal operation method having a banking service function, (a) a merchant server transmitting credit card payment request information received through a POS terminal to a VAN server, and the VAN server transmitting the credit card payment request information to a card company server; (b) determining, by the card company server, whether the user information and the card limit information indexed from the credit card DB match the credit card payment request information; (c) if the user information and the card limit information indexed from the credit card DB and the credit card payment request information match each other, the card company server transmits the credit card authorization information to the VAN server, and the credit card. Generating card payment information for paying the price included in the payment request information and transmitting it to the bank server; (d) the settlement server receiving credit card authorization information from the VAN server and receiving card payment deposit information from the bank server; (e) receiving and outputting, from the settlement server, the credit card authorization information and the card payment deposit information from the settlement server; (f) transmitting, by the merchant server, the account transfer request information and the balance history request information received through the POS terminal to the settlement server; (g) The bank server indexes account information corresponding to the bank transfer request information and the balance history request information received from the settlement server from the banking DB, and the balance of the indexed account information in the bank transfer request information. Updating the summed account information with the banking DB by summing; (h) the bank server generates account transfer completion information and balance history settlement information including updated account information and transmits it to the settlement server, and the bank transfer completion information and balance received from the settlement server by the merchant server; Outputting the settlement information; POS terminal operating method having a banking service function, characterized in that it comprises a. The method of claim 6, After step (b), (c-1) If the user information and the card limit information indexed from the credit card DB and the credit card payment request information do not match with each other, the card company server generates credit card disapproval information and transmits it to the settlement server. Making; And (d-1) receiving and outputting credit card disapproval information from the settlement server by the merchant server; POS terminal operating method having a banking service function, characterized in that it comprises a. The method of claim 6, After step (h), (i) the affiliated server transmitting the branch and utility bill request information received through the POS terminal to the settlement server, and the settlement server transmitting the branch and utility bill request information to the bank server; (j) updating, by the bank server, the banking and billing payment completion information generated by indexing the giro and utility billing request information from a banking DB and inserting the payment completion information into the indexed giro list; And (k) the bank server transmitting the branch and utility payment completion information to the settlement server, and the merchant server outputting the branch and utility payment completion information received from the settlement server; POS terminal operating method having a banking service function, characterized in that it comprises a.
KR1020090048019A 2009-06-01 2009-06-01 Pos terminal system and the use method that have banking service function KR20100129452A (en)

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WO2013100413A1 (en) * 2011-12-27 2013-07-04 주식회사 유아이디에스 Smartphone credit card payment system using an earphone jack, and method for same

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013100413A1 (en) * 2011-12-27 2013-07-04 주식회사 유아이디에스 Smartphone credit card payment system using an earphone jack, and method for same

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