KR20120022347A - System and mehtod for managing affiliated store payment service by using resident access card - Google Patents

Abstract

PURPOSE: A member store payment service operation method using an access card residents and system thereof are provided to improve the convenience of a user by enabling a user to use the access card including a resident privacy function. CONSTITUTION: A management server(100) provides a payment service for using an access card including a financial function by interlocking with a terminal included in a u-city member store. The management server transmits order payment request information to an indoor terminal(110) corresponding to order information received by a member store terminal(105). When card information is received from the indoor terminal, the management server creates payment approval request information including the order information and the received card information.

Description

System and Mehtod for Managing Affiliated Store Payment Service by Using Resident Access Card}

The present invention is to enable a variety of convenient payment for the purchase of goods or services of the merchant by using the apartment resident access card including the financial settlement function or order-only function.

Recently, with the introduction of advanced functions such as home network functions in apartments, it is possible to provide a variety of services within the household. In addition, the residents will be provided with an access card for the apartment to provide more convenient security services and parking services.

However, apartment residents have had to carry more apartment access cards in addition to many credit cards (or debit cards, check cards, etc.) held by financial institutions.

An object of the present invention for solving the above problems, a method and system for enabling a variety of convenient payment for the purchase of goods or services of merchants by using the apartment residents access card including a financial settlement function or order-only function. In providing.

In the method of operating a merchant payment service using a resident access card according to the present invention, a tenant having a financial settlement function in connection with a terminal provided in an affiliated store registered in a management server connected to an Indian terminal provided in a resident's house via a network A method of operating a payment service using an access card, the method comprising: receiving order information from a merchant terminal, transmitting order payment request information to an Indian terminal corresponding to the order information, and reading from a resident access card from an Indian terminal Receiving the received card information, generating payment approval request information including the received card information and order information, and transmitting the generated payment approval request information to a payment server on a financial network to request payment approval. do.

In addition, the merchant payment service operating method using the resident access card according to the present invention, the financial settlement function is provided in connection with the terminal provided in the merchant registered in the management server connected to the Indian terminal provided in the resident's house via the network In the method of operating a payment service using the occupant's access card, Receiving the order information including the collective payment request information from the merchant terminal, Checking the collective payment request information included in the order information received from the merchant terminal Collecting the received order information for a predetermined period set by the resident, and storing the received order information in a storage medium; and when the set period arrives, the order batch payment request information for the order information collected for a predetermined period to the Indian terminal corresponding to the order information. Transmitting the card information read from the resident access card from the Indian terminal; And generating payment approval request information including the received card information and the collected order information, and transmitting the generated payment approval request information to a payment server on a financial network to request payment approval. .

On the other hand, the merchant payment service operating system using the resident access card according to the present invention is provided in the management server connected to the Indian terminal provided in the resident's house through the network and the financial settlement function in connection with the terminal provided in the pre-registered merchant In the system for operating a payment service using the provided resident access card, Means for transmitting the order payment request information to the Indian terminal corresponding to the resident order information received from the merchant terminal, Read from the resident access card from the Indian terminal When the card information is received, generating payment approval request information including the received card information and order information, and means for transmitting the generated payment approval request information to the payment server on the financial network to request payment approval.

According to the present invention, the merchant payment service operating system using the resident access card, when the resident order information received from the merchant terminal includes the collective payment request information, the received order information is collected for a certain period set by the resident And means for transmitting the order batch payment request information for the order information collected for a predetermined period to the indoor terminal corresponding to the order information when the set period arrives.

On the other hand, the merchant payment service operating method using a resident access card according to the present invention, operating a payment service using a resident access card with a financial settlement function in the management server connected to the Indian terminal provided in the resident's house via the network A method comprising: providing merchant article (or service) information registered in a management server to an Indian terminal, order information about an item (or service) requested by a resident from an Indian terminal, and a card read from the resident access card Receiving payment information, generating payment approval request information including payment details of the received card information and occupant order information, and transmitting the generated payment approval request information to a payment server on a financial network to request payment approval. Step, and after payment approval is completed, the order information of the tenant merchant (or server) And the step of transmitting includes the step of receiving a processing order result information from the merchant terminal (or server).

In addition, the merchant payment service operating method using a resident access card according to the present invention, operating a payment service using a resident access card with a financial settlement function in the management server connected to the Indian terminal provided in the resident's home via a network A method comprising the steps of: providing merchant product (or service) information registered in a management server to an Indian terminal, receiving order information for an item (or service) requested by a resident from an Indian terminal, Transmitting order information to the merchant terminal (or server), receiving order processing result information from the merchant terminal (or server), transmitting order payment request information to the indoor terminal, and resident from the Indian terminal Receiving the card information read from the access card, and for the received card information and order information Generating payment approval request information including payment details, and transmitting the generated payment approval request information to a payment server on a financial network to request payment approval.

In addition, the merchant payment service operating method using a resident access card according to the present invention, operating a payment service using a resident access card with a financial settlement function in the management server connected to the Indian terminal provided in the resident's home via a network A method, comprising: providing merchant article (or service) information registered in a management server to an Indian terminal, receiving order information including collective payment request information from the Indian terminal, and order information received from the Indian terminal Checking the collective payment request information contained in the, and collecting the collective payment details for the received order information for a certain period set by the occupant to store in a storage medium, and when the set period of arrival, a certain period to be collected by the Indian terminal Transmitting the bulk payment request information on the completed payment history, and from the Indian terminal Receiving the read card information from the resident access card, generating payment approval request information including the received card information and the collective payment details, and transmitting the generated payment approval request information to the payment server on the financial network. Requesting the payment approval.

On the other hand, the merchant payment service operating system using the resident access card according to the present invention is provided in the management server connected to the Indian terminal provided in the resident's house through the network and provides a payment service using the resident access card with a financial settlement function. An operating system, comprising: means for receiving order information for an item (or service) that a resident purchases from an Indian terminal, means for transmitting order payment request information to the Indian terminal, and a resident access card from an Indian terminal. When received card information is received, payment approval request information including payment details of received card information and order information is generated, and the payment approval request information is transmitted to a payment server on a financial network to request payment approval. Means;

According to the present invention, if the merchant payment service operating system using the resident access card, if the order information received from the Indian terminal includes the billing request information, the residents set the billing details for the received order information And collecting means for collecting for a certain period of time and storing in a storage medium, and means for transmitting the collective payment request information about the collective payment details collected for a predetermined period to the indoor terminal upon arrival of the set period.

On the other hand, the merchant payment service operating method using the resident access card according to the present invention, in connection with the terminal provided in the merchant registered in advance in the management server connected to the Indian terminal provided in the resident's home via the network only access card for order In the method of operating a payment service using the step of receiving the order information and payment history information from the merchant terminal, the payment history for the occupant order information received from the merchant terminal collects for a predetermined period set by the occupant storage medium Storing information in the terminal, notifying the order and payment details to the wireless terminal corresponding to the residents' access card information, and transmitting the collective payment request information on the payment history collected for a predetermined period to the indoor terminal when the set period arrives. And receiving the card information read from the payment card from the Indian terminal. And generating payment approval request information including the received card information and the aggregated payment details, and transmitting the generated payment approval request information to a payment server on a financial network to request payment approval.

In addition, the merchant payment service operating method using a resident access card according to the present invention, in a method of operating a payment service using an order-only resident access card in the management server connected to the Indian terminal provided in the resident's home via a network, The tenant provides information on merchant goods (or services) registered in the management server to the Indian terminal, receiving order information on the purchased goods from the Indian terminal, and payment details for the order information received from the Indian terminal. Collecting for a certain period of time and storing the information in a storage medium; notifying the order and payment details to a wireless terminal corresponding to the residents' access card information; Transmitting the bulk payment request information for the Receiving payment card information, generating payment approval request information including the received card information and the collective payment details, and transmitting the generated payment approval request information to a payment server on a financial network to approve payment; Requesting.

On the other hand, the merchant payment service operating system using the resident access card according to the present invention is provided in the management server connected to the Indian terminal provided in the resident's house via the network, and the order-only resident in connection with the terminal provided in the registered merchant A system for operating a payment service using an access card, comprising: means for receiving order information and payment history information from a merchant terminal (or an Indian terminal), and a predetermined period of time for which the residents set payment details for the received resident order information Means for collecting and storing in a storage medium, a means for transmitting the collective payment request information for the settlement contents collected for a predetermined period to an indoor terminal, a card information received from the indoor terminal, and the aggregated batch Generate payment approval request information including payment details, and generate the payment approval request Means for requesting payment approval by sending the beam to a payment server on the financial network.

According to the present invention, by enabling the purchase of goods or services of a merchant using an apartment tenant access card including a financial settlement function or an order-only function, the tenants can easily and conveniently purchase goods using the access card. .

1 is a diagram showing a system configuration for operating a merchant payment service using a resident access card according to an embodiment of the present invention.
2 is a diagram illustrating a server function configuration on a system for operating a merchant payment service using a resident access card according to an embodiment of the present invention.
Figure 3 is a view showing a merchant payment service operating process using a resident access card according to an embodiment of the present invention.
Figure 4 is a view showing a merchant payment service operating process using the residents access card according to another embodiment of the present invention.
5 is a diagram illustrating a server function configuration on a system for operating a merchant payment service using a resident access card according to another embodiment of the present invention.
6 is a view showing a merchant payment service operating process using a resident access card according to an embodiment of the present invention.
7 is a view showing a merchant payment service operating process using a resident access card according to another embodiment of the present invention.
8 is a view showing a merchant payment service operating process using a resident access card according to another embodiment of the present invention.
9 is a diagram illustrating a server function configuration on a system for operating a merchant payment service using a resident access card according to another embodiment of the present invention.
10 is a view showing a merchant payment service operating process using a resident access card according to an embodiment of the present invention.
11 is a view showing a merchant payment service operating process using a resident access card according to another embodiment of the present invention.
12 is a diagram illustrating a functional configuration of an affiliated store terminal having a payment service function using a resident access card according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

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

1 is a diagram illustrating a system configuration for operating a merchant payment service using a resident access card according to an embodiment of the present invention.

In more detail, Figure 1 is a management server connected via a network with the indoor terminal 110 and the one or more merchant terminal 105 registered as a U-city affiliate store in one or more residents household located in the U-city apartment complex The system configuration for paying one or more goods or services provided by a U-city affiliate store by using one or more tenant access cards assigned (or registered) to the tenant households at 100 is illustrated. Those skilled in the art will be able to infer various implementation methods for the system configuration by referring to or modifying the drawing 1, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

According to the present invention, the resident access card provided by the resident household can be issued corresponding to the number of residents per household, and includes the entrance / facilities of the apartment entrance / household / parking, as well as the postpaid / prepaid / debit card and the U. -It can be provided in the form of an order-only card for ordering at the city merchant.

If the tenant's access card is a post-paid / prepaid / debit card, it is possible to register as an apartment access card by issuing it through a financial institution with which the tenant deals with the financial institution or apartment terminal.

In addition, when the resident access card is an order-only card, it is possible to apply for the use of the order-only card to the control center or operating company operating the management server 100, and to receive an order-only card that allows access to the apartment. .

In addition, when the resident access card is an order-only card, it is preferable that the usage degree for use of the card in the U-city affiliated store is set.

In addition, the resident access card reveals that it is possible to register or cancel, use period adjustment, use amount adjustment and charging through the Indian terminal 110 provided for each generation.

The Indian terminal 110 provided in at least one resident household located in the U-City apartment complex includes a door access and a home network management / control function for each household, and enables payment service using the resident access card according to the present invention. It can be configured with a card interface.

In addition, the Indian terminal 110 receives and outputs merchant information so that the purchase of goods or services of the U-City merchant from the management server 100 is performed, and the tenant pays through the Indian terminal 110 using the resident access card. Is possible. To this end, the Indian terminal 110 is connected to the management server 100 via a network.

According to the present invention, the Indian terminal 110 is a terminal including an access function installed in a resident's house, and includes a wall pad or may be provided in a home appliance such as a refrigerator or a TV.

The management server 100 performs the overall operation and management of the payment service using the tenant's access card, and may be connected to one or more financial institution servers through a financial network to provide a payment service.

In addition, the management server 100 is provided with a storage medium for storing one or more information, as shown in Figures 2, 5, and 9 below to provide a payment service, or characterized in that interlocked with the storage medium. .

The storage medium may include resident information, access card information, Indian terminal 110 information, resident setting information, batch payment order information, payment history information, U-city affiliate store information, and the like.

Resident information, including the number of residents in each household, name, dongho, phone number, may be configured to further include the resident personal information.

Access card information is a unique number (card number, serial number, etc.) corresponding to the access card issued or registered to the residents of each household, access card issuance / registration date and time, expiration date, user information, limit information, credit / prepayment / debit And order-only function-equipped information, and the like, and in the case of an order-only card, may further include limit setting information for card use.

The indoor terminal 110 information may include a terminal unique number and installation and A / S history information for the indoor terminal 110 provided for each generation.

The tenant setting information may include one or more condition information registered and registered by the tenant, and the condition information may include information on a postpaid collective payment cycle when making a postpaid collective payment using a resident access card.

Collective payment order information may be configured to include post-paid batch order information and payment history information when the tenant requests post-paid collective payment using the resident access card, and the collective payment order information is included in the resident access card for each household. It is possible to integrate the postpaid bulk payment order information and payment history information.

The payment history information may be configured to include the details paid by the residents in the U-City merchant using the tenant's access card, including the postpaid collective payment details, and may be stored and integrated by generation.

The U-City merchant information may include name, address, telephone number, website address, merchant product or service information for one or more merchants that allow online and offline payment using a resident access card.

The merchant terminal 105 provided in the U-city merchant has a payment function using a resident access card according to the present invention as well as a payment function using an existing general card, and the merchant terminal 105 will be described in more detail. It will be described through the functional configuration of the merchant terminal 105 shown in Figure 12 below.

According to the present invention, the management server 100 provides a payment service using a resident access card equipped with a financial settlement function in connection with a terminal provided in the U-city affiliate store, the management server 100 is a merchant terminal ( Transmitting the order payment request information to the Indian terminal 110 corresponding to the order information received from 105, and receives the card information and the order information received from the Indian terminal 110, the card information read from the resident access card The payment approval request information may be generated, and the payment approval request information may be transmitted to a payment server on a financial network to request payment approval.

In addition, when the management server 100 receives the order information including the bulk payment request information from the merchant terminal 105, checks the batch payment request information included in the received order information, the residents set the received order information After collecting for a certain period and storing in the storage medium, when the set period arrives, the order terminal payment request information for the order information collected for a certain period of time to the indoor terminal 110 corresponding to the order information, and the Indian terminal ( When the card information read from the resident access card is received from 110, the payment approval request information including the received card information and the collected order information is generated, and the generated payment approval request information is transmitted to the payment server on the financial network. To approve payment.

In addition, the management server 100 provides the U-city affiliate store goods (or services) information to the Indian terminal 110, the order information and the resident information on the goods (or services) that the residents purchase from the Indian terminal 110 When the card information read from the access card is received, the payment approval request information including payment details of the received card information and the tenant order information is generated, and the generated payment approval request information is transmitted to the payment server on the financial network for payment. After requesting the approval and completing payment approval, the order information of the tenant may be transmitted to the affiliated store terminal 105 (or the server), and the order processing result information may be received from the affiliated store terminal 105 (or the server).

In addition, the management server 100 provides the U-city affiliate store goods (or services) information to the Indian terminal 110, and receives the order information for the goods (or services) that the residents purchase from the Indian terminal 110 When the received order information is transmitted to the merchant terminal 105 (or the server), and the order processing result information is received from the merchant terminal 105 (or the server), the order payment request information is transmitted to the indoor terminal 110. Request payment by sending, and when the card information read from the resident access card is received from the indoor terminal 110, generates payment approval request information including payment details for the received card information and order information, and generates the generated payment. The approval request information may be transmitted to a payment server on the financial network to request payment approval.

In addition, when the management server 100 receives the order information including the bulk payment request information from the Indian terminal 110, confirms the bulk payment request information included in the received order information, and collective payment for the received order information After collecting the details for a certain period set by the residents, and storing them in a storage medium, when the set period arrives, the payment request information for the collective payment details collected for a certain period is transmitted to the Indian terminal 110 to request payment. When the card information read from the resident access card is received from the indoor terminal 110, the payment approval request information including the received card information and the collected collective payment details is generated, and the generated payment approval request information is generated from the financial network. Payment approval can be requested by sending it to the payment server.

In addition, the management server 100 when the payment service using the order-only residents access card, when the order information and payment history information is received from the merchant terminal 105, payment history for the residents order information received from the merchant terminal 105 After collecting for a certain period of time set by the resident and stored in the storage medium, and notifies the order and payment details to the wireless terminal corresponding to the residents' access card information, when the set period arrives, the Indian terminal 110 collects for a certain period Request payment by sending the bulk payment request information on the received payment details, and when the card information read from the payment card is received from the Indian terminal 110, a payment approval including the received card information and the collected payment details The request information may be generated and the payment approval request information may be transmitted to the payment server on the financial network.

In addition, the management server 100 provides the U-city affiliate store goods (or services) information to the indoor terminal 110 when the payment service using the order-only resident access card, the order for the purchased goods from the Indian terminal 110 When the information is received, the payment history for the received order information is collected for a predetermined period set by the occupant and stored in a storage medium, and when the set period arrives, the payment history collected by the Indian terminal 110 for a predetermined period Request payment by sending the collective payment request information, and when the card information read from the payment card is received from the indoor terminal 110, generates payment approval request information including the received card information and the collected collective payment details. The payment approval request information may be transmitted to a payment server on a financial network to request payment approval.

Hereinafter, a description will be given of the payment service process using the residents' access card through the embodiment shown in FIGS.

2 is a diagram illustrating a server function configuration on a system for operating a merchant payment service using a resident access card according to an exemplary embodiment of the present invention.

In more detail, Figure 2 shows a resident access card with a financial settlement function in connection with a terminal provided in a U-city affiliated store in a management server 100 connected to an Indian terminal 110 provided within a resident household through a network. By showing a server configuration for operating the payment service using, those skilled in the art to which the present invention pertains, by referring to or modifying this figure 2 can infer various implementation methods for the server configuration. Although there will be, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

According to the present invention, a server for operating a payment service using a resident access card includes an order information receiving unit 200, an information checking unit 205, an information storing unit 210, a payment request information generating unit 215, and payment information. It may be configured to include a receiving unit 220, the approval request information generating unit 225 and the payment approval processing unit 230.

Here, in FIG. 2, a server for operating a payment service using a resident access card is presented to the functional components, but the functional components may be represented as separate servers or means having an organic relationship with each other. Or means may be configured to interoperate.

The order information receiving unit 200 receives the requested order information of the tenant from the merchant terminal 105 when the tenant visits the U-city affiliate store offline and makes a payment request using the tenant's access card equipped with a financial settlement function. The order information is provided to the information confirmation unit 205.

Here, the order information includes the order details, and may include resident access card information or resident information corresponding to the resident access card (telephone number, or the like).

In addition, the order information may be configured to further include a batch postpay request information, when the tenant requests a bulk postpay payment.

According to the present invention, the collective postpaid payment is not handled on a case-by-case basis, but instead is settled by a resident on a predetermined or predetermined date.

The information checking unit 205 checks the order information received through the order information receiving unit 200 and checks whether the order information includes postpaid batch payment request information.

If the order information includes the postpaid batch payment request information, the information checking unit 205 checks the resident information corresponding to the order information, processes the resident information and the postpaid bulk payment request information, and stores the information storage unit 210. ) Stores the linked tenant information and postpaid collective payment request information in a storage medium.

If the payment request information generation unit does not include the postpaid bulk payment request information in the order information, the payment request information including the order information is generated and transmitted to the indoor terminal 110 of the resident household corresponding to the order information.

If the order information includes the postpaid batch payment request information, the billing request information generation unit 215, the billing request information including the postpaid batch billing request history stored in the storage medium according to the postpaid batch billing cycle set by the tenant It generates and provides to the Indian terminal 110 of the residents generation corresponding to the order information.

The payment information receiving unit 220 receives the card information read from the resident access card from the indoor terminal 110 provided with the payment request information, and the received card information is provided to the approval request information generating unit.

The approval request information generation unit 225 generates payment approval request information including card information and payment history information transmitted from the Indian terminal 110, and the generated payment approval request information is provided to the payment approval processing unit 230. .

The payment approval processing unit 230 transmits the payment approval request information generated through the approval request information generating unit 225 to a financial institution server (or payment server) 115 through a financial network, and requests payment approval. Receive payment approval response information corresponding to the payment approval request from the financial institution server 115, the payment approval history may be transmitted to the indoor terminal 110 and the merchant terminal 105.

3 is a view showing a merchant payment service operating process using a resident access card according to an embodiment of the present invention.

In more detail, Figure 3 shows a resident access card equipped with a financial settlement function in connection with a terminal provided in a U-city affiliated store in a management server 100 connected to an Indian terminal 110 provided within a resident household through a network. By showing a payment service operation process using, those having ordinary knowledge in the technical field to which the present invention belongs, inferring various implementation methods for the payment service operation process using the resident access card by referring to or modifying this drawing 3 Although the present invention may be made, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

According to FIG. 3, when a resident visiting a U-city affiliated store requests a payment using an access card equipped with a financial settlement function (300), and if the resident requests a general payment instead of a postpaid collective payment (305), The merchant terminal 105 recognizes the residents' access card and inputs order information (310).

Merchant terminal 105 transmits the resident access card information and order information to the management server 100 (315), the management server 100 generates payment request information including the order information and transmits to the indoor terminal 110 (320).

The indoor terminal 110 receiving the payment request information reads the card information from the resident access card for payment (325), and transmits the read card information to the management server 100 (330).

When the card information is received from the indoor terminal 110, the management server 100 generates payment approval request information including the received card information and order information and transmits the payment approval request information to the payment server through the financial network (335).

When payment approval response information corresponding to the payment approval request information is received from the payment server, the management server 100 sends the payment approval details included in the payment approval response information received from the payment server to the indoor terminal 110 and the merchant terminal ( 105, and transmits to step 340.

4 is a diagram illustrating a process of operating a merchant payment service using a resident access card according to another exemplary embodiment of the present invention.

In more detail, Figure 4 shows a resident access card with a financial settlement function in connection with a terminal provided in a U-city affiliated store in a management server 100 connected to an Indian terminal 110 provided within a resident household through a network. By showing the payment service operation process using, those of ordinary skill in the technical field to which the present invention belongs, by referring to or modifying the present Figure 4 to infer various implementation methods for the payment service operation process using the resident access card. Although the present invention may be performed, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

According to FIG. 4, in the process of requesting payment by a tenant who has visited a U-city affiliated store using an access card equipped with a financial settlement function, the tenant requests post-pay collective payment, and the merchant terminal 105 After recognizing the tenant's access card and inputting the order information, the tenant's access card information and order information are transmitted to the management server 100, and the management server 100 responds to the collective payment request information included in the order information. Check the information (400).

The management server 100 checks the batch payment condition information corresponding to the resident information from the storage medium (405), and associates the order information requested for the collective payment with the resident information during the batch payment period included in the confirmed batch payment condition information. Store (410).

When the postpaid batch payment period arrives (415), the management server 100 collects the order information stored in the storage medium during the batch payment period to generate payment request information, and the generated payment request information corresponding to the residents information Transmitting to the indoor terminal 110 (420).

The indoor terminal 110 reads card information for payment from a resident access card (425), and transmits the read card information to the management server (100) (430).

The management server 100 generates payment approval request information including card information and collected collective payment order information and transmits the payment approval request information to the payment server through the payment network (435).

When payment approval response information corresponding to the payment approval request information is received from the payment server, the management server 100 sends the payment approval details included in the payment approval response information received from the payment server to the indoor terminal 110 and the merchant terminal ( 105, and at step 440.

5 is a diagram illustrating a server function configuration on a system for operating a merchant payment service using a resident access card according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates a server configuration for operating a payment service using a tenant access card equipped with a financial settlement function in a management server 100 connected to an Indian terminal 110 provided in a tenant household through a network. By doing so, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 5 to infer various implementation methods for the server configuration. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

According to the present invention, the server 100 for operating a payment service using a resident access card includes an interface providing unit 500, order information receiving unit 505, information checking unit 510, information storage unit 515, and payment. It comprises a request information generating unit 520, payment information receiving unit 525, approval request information generating unit 530, order information transmitting unit 535, order processing result receiving unit 540 and payment approval processing unit 545. Can be.

Here, in FIG. 5, the server 100 for operating a payment service using a resident access card is presented to the functional components, but the functional components may be represented as separate servers or means having an organic relationship with each other. It is noted that the server or means can be configured to interoperate.

The interface providing unit 500 provides the payment service to the management server 100 to which the Indian terminal 110 is connected through a network in order to provide a payment service using a resident access card through the Indian terminal 110 provided in a resident household. In response to the functional configuration provided in the terminal 110, a predetermined user interface capable of inputting (or selecting) one or more information for a payment service using a resident access card to transmit to the management server 100 or generating a predetermined user interface Extracted from the database (not shown), and provides the generated (or extracted) user interface to the indoor terminal (110).

Here, the one or more information for the payment service using the resident access card input (or selected) through the interface includes resident access card information (or resident information), order information (merchant information, goods (or service) information). can do.

The order information receiving unit 505 receives the requested order information of the residents from the indoor terminal 110 through the interface when the tenant requests a payment using the tenant access card equipped with a financial settlement function using the indoor terminal 110. The received order information is provided to the information checking unit 510.

Here, the order information includes the order details, and may include resident access card information or resident information corresponding to the resident access card (telephone number, or the like).

In addition, the order information may be configured to further include a batch postpay request information, when the tenant requests a bulk postpay payment.

According to the present invention, the collective postpaid payment is not handled on a case-by-case basis, but instead is settled by a resident on a predetermined or predetermined date.

The information checking unit 510 checks the order information received through the order information receiving unit 505 and checks whether the order information includes postpaid batch payment request information.

If the order information includes the postpaid batch payment request information, the information checking unit 510 checks the resident information corresponding to the order information, processes the resident information and the postpaid bulk payment request information, and stores the information storage unit 515. ) Stores the linked tenant information and postpaid collective payment request information in a storage medium.

The approval request information generation unit 530 generates payment approval request information including card information and payment history information included in the order information transmitted from the Indian terminal 110, and the generated payment approval request information is a payment approval processing unit ( 545).

The payment approval processing unit 545 transmits the payment approval request information generated by the approval request information generating unit 530 to the financial institution server 115 through the financial network to request payment approval, and the financial institution server 115 ) Receives payment approval response information corresponding to the payment approval request.

When the payment approval response information is received through the payment approval processing unit, the order information transmission unit 535 transmits the order information of the residents to the corresponding merchant terminal 105 to transmit the order details of the residents.

The order processing result receiving unit 540 receives a processing result of the transferred resident order information from the affiliated store terminal 105.

According to another exemplary embodiment of the present invention, when the order information does not include the resident access card information, the payment request information generation unit 520 generates the payment request information including the order information and generates a resident household corresponding to the order information. Transmit to the indoor terminal 110 of.

If the order information includes the postpaid batch payment request information, the billing request information generation unit 520, the billing request information including the postpaid batch billing request history stored in the storage medium according to the postpaid batch billing cycle set by the tenant It generates and provides to the Indian terminal 110 of the residents generation corresponding to the order information.

The payment information receiving unit 525 receives the card information read from the resident access card from the indoor terminal 110 provided with the payment request information, and the received card information is provided to the approval request information generating unit.

The approval request information generating unit 530 generates payment approval request information including card information and payment history information transmitted from the Indian terminal 110, and the generated payment approval request information is provided to the payment approval processing unit 545. .

The payment approval processing unit 545 transmits the payment approval request information generated by the approval request information generating unit 530 to a financial institution server through a financial network, requests a payment approval, and makes a payment from the financial institution server 115. Receive payment approval response information corresponding to the approval request, payment approval history may be transmitted to the indoor terminal 110 and the merchant terminal 105.

6 is a diagram illustrating a process of operating a merchant payment service using a resident access card according to an exemplary embodiment of the present invention.

In more detail, Figure 6 illustrates a payment service operation process using a resident access card equipped with a financial settlement function in the management server 100 connected to the Indian terminal 110 provided in the resident household through the network, Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the payment service operation process using the resident access card by referring to or modifying this figure 6, but the present invention is inferred from the above. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

According to FIG. 6, the management server 100 provides affiliate store article (or service) information to a resident Indian terminal 110 (600).

When the order information for the goods (or services) requested by the tenant to purchase is input in the indoor terminal 110 (605), and read as card information from the resident access card having a financial settlement function (610), the indoor terminal 110 ) Transmits the input card information and the order information to the management server 100 (615).

The management server 100 generates payment approval request information including the received card information and order information and transmits the payment approval request information to the payment server through the payment network (620).

When payment approval response information corresponding to payment approval request information is received from the payment server, the payment approval details included in the payment approval response information received from the management server 100 are transmitted to the indoor terminal 110 (625).

Thereafter, the management server 100 transmits the order information of the residents to the affiliated store terminal 105 (630), when processing is performed for the order information of the residents from the affiliated store, the order processing from the affiliated store terminal 105 Receiving the result information (635), and transmits the received order processing result information to the indoor terminal 110 (640).

7 is a view showing a merchant payment service operating process using a resident access card according to another embodiment of the present invention.

In more detail, Figure 7 illustrates a payment service operation process using a resident access card equipped with a financial settlement function in the management server 100 connected to the Indian terminal 110 provided in the resident household through the network, Those skilled in the art to which the present invention pertains may refer to or modify this drawing to infer various implementation methods for the payment service operation process using the resident access card, but the present invention is inferred from the above. It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

According to FIG. 7, the management server 100 provides affiliate store article (or service) information to the resident Indian terminal 110 (700).

When the order information for the goods (or services) requested by the residents in the indoor terminal 110 is purchased (705), the indoor terminal 110 transmits the input order information to the management server 100 (710).

The management server 100 transmits the received order information of the resident to the affiliated store terminal 105 (715), when the processing of the order information of the resident from the affiliated store is made, order processing from the affiliated store terminal 105 The result information is received 720.

Thereafter, the management server 100 generates the order payment request information and transmits it to the indoor terminal 110 (725), the card information is read from the resident access card for payment from the indoor terminal 110 (730), Indic When the read card information is transmitted from the terminal 110 (735), payment approval request information including card information and order information is generated and transmitted to the payment server through the payment network (740).

When payment approval response information corresponding to the payment approval request information is received from the payment server, the payment approval history included in the payment approval response information received from the management server 100 is transmitted to the indoor terminal 110 (745).

8 is a view showing a merchant payment service operating process using a resident access card according to another embodiment of the present invention.

In more detail, Figure 8 illustrates a payment service operation process using a resident access card equipped with a financial settlement function in the management server 100 connected to the Indian terminal 110 provided in the resident household through the network, Those skilled in the art to which the present invention pertains may refer to or modify this drawing 8 to infer various implementation methods for the payment service operation process using the resident access card, but the present invention is inferred from the above. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

According to FIG. 8, the management server 100 provides affiliate store article (or service) information to a resident Indian terminal 110 (800).

When the order information including the postpaid batch payment request information for the goods (or services) that the tenant makes a purchase request is input in the indoor terminal 110 (805), the Indian terminal 110 transmits the input order information to the management server 100 (810).

The management server 100 checks the resident information corresponding to the collective payment request information included in the transmitted order information (815), and confirms the collective payment condition information corresponding to the resident information from the storage medium (820).

In addition, the management server 100 transmits the order information received from the indoor terminal 110 to the corresponding merchant terminal 105 (825), and receives the order processing result information corresponding to the order information from the merchant terminal 105 (830).

Order processing result information received from the merchant terminal 105 is transmitted to the indoor terminal 110 (835).

The management server 100 stores the stored information in a storage medium by integrating the tenant information and the collective payment request information until the collective settlement period set by the tenant.

When the post-paid collective payment period set by the tenant arrives (845), the management server 100 collects order information corresponding to the collective payment request information stored during the collective payment period, generates payment request information, and sends it to the indoor terminal 110. Send (850).

When the card information is read from the resident access card for payment in bulk from the indoor terminal 110 (855), and the read card information is transmitted from the indoor terminal 110 (860), the management server 100 is the card information and The payment approval request information including the order information is generated and transmitted to the payment server through the payment network (865). When the payment approval response information is received from the payment server, the payment approval details included in the payment approval response information are included in the merchant terminal ( 105 and the indoor terminal 110.

9 is a diagram illustrating a server function configuration on a system for operating a merchant payment service using a resident access card according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a payment service using an order-only tenant access card in connection with a terminal provided in an U-city affiliate store in a management server 100 connected to an indoor terminal 110 provided in a tenant's home via a network. By showing a server configuration for operation, those skilled in the art to which the present invention belongs, it will be able to infer various implementation methods for the server configuration by referring to or modifying this figure 9, The invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

According to the present invention, the server 100 for operating a payment service using a resident access card includes an interface providing unit 900, order information receiving unit 905, information checking unit 910, information storing unit 915, and payment. It comprises a request information generation unit 920, payment information receiving unit 925, approval request information generation unit 930, order information transmission unit 935, order processing result receiving unit 940 and payment approval processing unit 945 Can be.

Here, in FIG. 9, although the server 100 for operating the payment service using the order-only resident access card is presented to the functional components, the functional components may be represented as separate servers or means having an organic relationship with each other. It can be seen that the server or means can be configured to interoperate.

The interface providing unit 900 is provided to the management server 100 connected to the indoor terminal 110 through the network in order to provide a payment service using the order-only resident access card through the Indian terminal 110 provided in the residents. In response to the functional configuration provided in the indoor terminal 110, a predetermined user interface capable of inputting (or selecting) one or more pieces of information for a payment service using an order-only resident access card to transmit to a management server 100 is generated. Alternatively, or extracted from a predetermined database (not shown), the generated (or extracted) user interface is provided to the indoor terminal 110.

Here, the one or more information for the payment service using the order-only resident access card that is input (or selected) through the interface, the order-only resident access card information (or resident information), order information (merchant information, goods (or services)) Information).

The order information receiving unit 905 receives the order information requested by the residents from the Indian terminal 110 through the interface when the tenant requests payment using an order-only access card using the Indian terminal 110, and receives the received order information. Is provided to the information verification unit 910.

Here, the order information includes the order details, and may include an order-only resident access card information or resident information corresponding to the order-only resident access card (telephone number, or the like), and collective postpaid request information. .

If the payment is set to be automatically processed by the bulk postpay payment upon payment using the order-only resident access card, the collective postpay payment request information may be omitted.

In addition, the order information receiving unit 905 receives the order information from the merchant terminal 105 when the tenant requests payment using an order-only access card using the affiliated terminal 105 provided in the U-city affiliate store, and receives the received information. Ordered information is provided to the information verification unit 910.

According to the present invention, the collective postpaid payment is not handled on a case-by-case basis, but instead is settled by a resident on a predetermined or predetermined date.

The information checking unit 910 confirms the order information received through the order information receiving unit 905 and confirms the postpaid collective payment request information included in the order information.

The information confirmation unit 910 checks the resident information corresponding to the order information and processes the resident information and the postpaid collective payment request information, and the information storage unit 915 performs the linked resident information and the postpaid collective payment request information. To the storage medium.

The payment request information generation unit 920 collects postpaid batch payment request information stored in a storage medium, generates payment request information, and transmits the generated payment request information to the indoor terminal 110 when the batch payment period of the resident arrives. .

The payment information receiving unit 925 receives the card information read from the tenant payment card in the indoor terminal 110 in response to the payment request information.

The approval request information generation unit 930 generates payment approval request information including payment details corresponding to the card information received from the Indian terminal 110 and the collective payment request information collected, and the generated payment approval request information is settled. It is provided to the approval processing unit 945.

The payment approval processing unit 945 transmits the payment approval request information generated by the approval request information generation unit 930 to the financial institution server 115 through the financial network, and requests a payment approval, and the financial institution server 115 ) Receives payment approval response information corresponding to the payment approval request.

The order information transmission unit 935, when the tenant requests a payment to the order-only resident access card through the Indian terminal 110, when the payment approval response information is received through the payment approval processing unit 945, The order information is transmitted to the corresponding merchant terminal 105 to transmit the order details of the residents.

The order processing result receiving unit 940 receives a processing result of the transferred resident order information from the affiliated store terminal 105.

FIG. 10 is a diagram illustrating an operation of operating a merchant payment service using a resident access card according to an exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a payment service using an order-only resident access card in connection with a terminal provided in an U-city affiliated store in a management server 100 connected to an indoor terminal 110 provided in a resident's house via a network. By showing the process, those skilled in the art to which the present invention belongs, it will be able to infer various implementation methods for the payment service operation process using the resident access card by referring to or modifying the drawing 10. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 10.

According to FIG. 10, a method for performing a payment request by a resident who visits a U-city affiliate store using an order-only access card is provided. When a resident who visits a U-city affiliate store requests payment using an order-only resident access card ( 1000, the merchant terminal 105 recognizes the tenant card information or the tenant information by using the order-only tenant access card (1005).

The affiliated store terminal 105 transmits the order information using the order-only resident access card to the management server 100 (1010), and the management server 100 checks the resident information corresponding to the received order information (1015).

The management server 100 confirming the order information in the process can query the usage of the order-only residents access card, it is possible to check whether the payment request using the order-only residents access card is possible. If the usage limit is exceeded, the management server 100 may transmit the usage exceeding history of the order-only residents access card to the merchant terminal 105.

In addition, the management server 100 checks the batch payment condition information corresponding to the resident information from the storage medium (1020), and the order details using the resident information and the order-only resident access card during the batch payment period according to the batch payment condition information. Store in association (1025).

When the batch payment period arrives (1030), the management server 100 collects the order information using the order-only residents access card stored during the batch payment period to generate payment request information and transmits to the indoor terminal 110 (1035). .

The indoor terminal 110 reads the card information from the payment card owned by the tenant (1040), and transmits the read card information to the management server (100) (1045).

The management server 100 generates payment approval request information including the transmitted card information and the collected collective payment order information and transmits the generated payment approval request information to the payment server through the payment network (1050).

Subsequently, when the payment approval response information is received from the payment server (1055), the management server 100 transmits the payment approval details included in the payment approval response information to the affiliated store terminal 105 and the indoor terminal 110 (1060). ).

11 is a view showing a merchant payment service operating process using a resident access card according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a payment service using an order-only resident access card in connection with a terminal provided in an U-city affiliated store in a management server 100 connected to an indoor terminal 110 provided in a resident's house via a network. By showing the process, those of ordinary skill in the art to which the present invention belongs, it will be able to infer various implementation methods for the payment service operation process using the resident access card by referring to or modifying this figure 11 The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

According to FIG. 11, the management server 100 provides affiliate store article (or service) information to a resident Indian terminal 110 (1100).

When the order information for the item (or service) that the tenant requests to purchase from the indoor terminal 110 using the order-only occupant access card is input (1105), the Indian terminal 110 transmits the input order information to the management server 100. (1110).

The management server 100 checks resident information corresponding to the batch payment request information (or order-only resident access card information) included in the transmitted order information (1115), and stores the batch payment condition information corresponding to the resident information. Check from the medium (1120).

The management server 100 confirming the order information in the process can query the usage of the order-only residents access card, it is possible to check whether the payment request using the order-only residents access card is possible. If the usage limit is exceeded, the management server 100 may transmit the usage exceeding history of the order-only resident access card to the Indian terminal 110.

In addition, the management server 100 transmits the order information received from the indoor terminal 110 to the merchant terminal 105 (1125), and receives the order processing result information corresponding to the order information from the merchant terminal 105 (1130).

Order processing result information received from the affiliated store terminal 105 is transmitted to the indoor terminal 110 (1135).

The management server 100 stores the stored information in a storage medium by integrating the tenant information and the collective payment request information using the order-only tenant access card until the collective settlement period set by the tenant (1140).

When the postpaid collective payment period set by the tenant arrives (1145), the management server 100 generates order information corresponding to the collective payment request information of the order-only residents access card stored during the collective payment period. The terminal transmits the information to the indoor terminal 110 (1150).

If the card information is read from the payment card held by the tenant for the bulk payment from the indoor terminal 110 (1155), and the read card information is transmitted from the indoor terminal 110 (1160), the management server 100 the card Generate payment approval request information including the information and order information and transmit it to the payment server through the payment network (1165) .When the payment approval response information is received from the payment server, the payment approval details included in the payment approval response information are registered with the merchant. The terminal 105 and the indoor terminal 110 are transmitted.

12 is a diagram illustrating a functional configuration of an affiliated store terminal 105 having a payment service function using a resident access card according to an embodiment of the present invention.

More specifically, Figure 12 is connected to the management server 100 via a network and is provided in the U-city affiliated store, one of the merchant terminal 105 having a resident access card payment mode for payment processing using the resident access card. As to the implementation method, those skilled in the art to which the present invention pertains, referring to and / or modified in this drawing 12 to infer the configuration of various merchant terminal 105 for the payment processing using the resident access card It is to be understood that the technical features of the present invention are not limited by this drawing 12 but include all the inferred implementation methods.

Referring to FIG. 12, an affiliated store terminal 105 having a resident access card payment mode for payment processing using a resident access card basically includes a control unit 1205, a memory unit 1250, a card reader unit 1210, and a key. An input unit 1220, a screen output unit 1215, a communication processing unit 1230, a security application module 1235, a print output unit 1240, and a power supply unit 1225 for supplying power to the affiliated store terminal 105. And at least one terminal function unit (not shown) according to the intention of the skilled person.

The control unit 1205 controls the overall operation of the affiliated store terminal 105 in function configuration, manages the flow of information or data between each component, and is provided in the affiliated store terminal 105 for payment processing using a resident access card. At least one processor and an execution memory (eg, a register and / or a hardware) including a central processing unit (CPU) / micro processing unit (MPU) in hardware and at least one component. RAM (Random Access Memory) and a bus (BUS) for inputting and outputting predetermined data, and the execution from the predetermined recording medium in order to perform a function specific to the merchant terminal 105 in software Certain program routines and / or program daemons that are loaded into memory and computed by the processor. A predetermined program recorded on a recording medium provided in the affiliated store terminal 105 for payment service using a tenant access card, and / or the affiliated store terminal 105. Among the functional configurations provided in the configuration, the components capable of being processed in software are shown in the control unit 1205).

According to the exemplary embodiment of the present invention, the controller 1205 may output components (for example, the memory unit 1250, the card reader unit 1210, the key input unit 1220, and a screen) of the affiliated store terminal 105. The merchant terminal 105 by interworking the unit 1215, the communication processing unit 1230, the security application module 1235, the print output unit 1240, and / or a terminal function unit (not shown) according to the intention of a person skilled in the art. Controlling and managing providing the electronic payment service defined in the above), as well as interworking to control the components provided in the affiliated store terminal 105 for payment processing using the resident access card according to the present invention, and It is preferable to execute a program recorded on the recording medium provided in the affiliated store terminal 105 for payment processing using the resident access card.

The memory unit 1250 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the affiliated store terminal 105 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and program data required for the control unit 1205 to perform a predetermined control function (for example, data input or output for the program routine to perform a predetermined function) ) Is stored.

The customer who receives the payment processing service using the resident access card according to the present invention through the affiliated store terminal 105 may use an MS (Magnetic Stripe) card and / or an ISO / IEC 7816 standard based on the ISO / IEC 7810 standard. Possess (or own) a residential IC card (or wireless IC chip) and / or at least one non-contact IC card (or wireless IC chip) based on ISO / IEC 14443 The card reader 1210 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 1210 may include an MS reader unit providing an interface between the MS card and the affiliated store terminal 105, and / or the contact IC card and the affiliated store terminal 105. And a contact IC reader unit for providing an interface between the contactless IC reader and / or a contactless IC reader unit for providing an interface between the contactless IC card and the affiliated store terminal 105.

The MS reader unit is a card reader unit 1210 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one or more tracks (Track) provided in the MS of the MS card to the merchant terminal 105 using the loaded.

The contact IC reader part is a card reader part 1210 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the merchant terminal 105.

The contactless IC reader part is a card reader part 1210 based on ISO / IEC 14443. The contactless IC reader part may be at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It comprises one or more antennas, and supplies power to the IC chip of the IC card through the antenna, the predetermined store or information from the IC chip through the half-duplex transaction using the APDU merchant It is characterized in that the interface to the terminal 105.

According to an embodiment of the present invention, the card reader unit 1210 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 1210 for the electronic payment service defined in the affiliated store terminal 105. The payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account), and also the payment processing using the resident access card according to the present invention In order to read a predetermined card number or resident unique number from at least one or more cards.

The key input unit 1220 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the affiliated store terminal 105 controlled by the controller 1205. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1205. The controller 1205 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the affiliated store terminal 105, and / or is defined to match the key event. Characteristic for acquiring a command to execute a predetermined function. The key input unit 1220 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the affiliated store terminal 105.

The key input device interworking with the key input unit 1220 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It may include at least one touch screen device.

According to an embodiment of the present invention, the key input unit 1220 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the affiliated store terminal 105. It is preferable to perform the function of the key input means for receiving the input, and at least required in the process of providing a payment processing using the resident access card from the key input device for payment processing using the resident access card according to the present invention. It may function as a key input means for receiving one or more key data.

According to an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 1220 uses the resident access card according to the present invention in an initial mode and / or a general payment mode of an operation mode of the affiliated store terminal 105. It may be provided with a key button for switching to the resident access card payment mode for payment processing.

The screen output unit 1215 may be a liquid crystal display (LCD) and / or a CRT (Cathode) by the controller 1205 while the affiliated store terminal 105 performs a predetermined function (for example, an electronic payment processing function). And at least one or more information or data that is predefined or defined in real time to be output to a predetermined display output device including a Ray Tube) through a predefined interface screen, wherein the screen output unit 1215 And the screen output device interoperate with each other to perform a function of the screen output means provided in the affiliated store terminal 105.

Predefined information or data to be output from the affiliated store terminal 105 to the screen output device includes key data input through the key input unit 1220, and / or components included in the affiliated store terminal 105. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 1230, and / or (or data) corresponding to a predetermined operation result performed by the merchant terminal 105. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 1215 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the merchant terminal 105 It is preferable to perform the function of the output means, and also outputs a screen for outputting a processing screen corresponding to the payment processing providing step using the resident access card to the screen output device for payment processing using the resident access card according to the present invention. It is desirable to perform the function of the means.

The communication processor 1230 is a server (or communication server) connected through a payment network (eg, a value added network (VAN)) in the process of the merchant terminal 105 performing a predetermined function (for example, an electronic payment processing function). A terminal (or device) connected to the management server 100 and / or the affiliated store terminal 105 through a predetermined cable and / or a terminal connected to the affiliated store terminal 105 through a predetermined short range wireless communication (or And a predetermined communication means for connecting a communication session with the device, and a network communication unit for connecting a predetermined communication channel with a server (or management server 100) on a wired / wireless network, and / or a predetermined communication channel. A cable communication unit for connecting a communication session with a predetermined terminal (or device) through a cable communication port, and / or a predetermined short distance communication terminal through at least one or more short range wireless communication means ( The apparatus includes a short range wireless communication unit for connecting a device and a predetermined communication session, and includes a communication protocol and / or a driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server (or management server 100) on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and the merchant terminal 105 is connected to a predetermined wired / wireless network by hardware. A modem or a network interface card (NIC) for connection is included, and a communication protocol and / or driver for connecting the affiliated store terminal 105 to the wired / wireless network in software is included.

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

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

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

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

The security application module 1235 (SAM) is a confidentiality and / or authentication required in the process of the merchant terminal 105 performing electronic payment and / or electronic payment using the card. And / or security requirements including integrity and / or nonrepudiation, etc., without using an authentication server (or server (or management server 100)) on a payment network. A safety device for performing in a safe and reliable structure within the), a predetermined message that is processed in the process of the merchant terminal 105 performs a predetermined security request function (e.g., electronic payment and / or electronic payment function). In the process of encrypting or decrypting (information or data), adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function It is characterized by performing a function of storing important key information.

In general, the security application module 1235 is preferably composed of a predetermined security application module 1235 inserter and a security application module 1235 chip, the security application module 1235 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 1235 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) required for the merchant terminal 105 to perform a predetermined security request function. ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit 1240 may process the affiliated store terminal 105 to perform a predetermined function (eg, an electronic payment processing function) and / or predetermined information or data (eg, payment processing result information or Data) to a predetermined printing device (for example, a receipt printer), and includes a printing protocol and a driver for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. It is done by

Referring to FIG. 12, in order to provide a payment processing service using a resident access card according to the present invention, the affiliated store terminal 105 corresponds to an operation mode of the affiliated store terminal 105 corresponding to the payment processing using the resident access card. The mode check unit for checking whether the resident access card payment mode, and if the operation mode of the merchant terminal 105 is the resident access card payment mode, the card reader unit 1210 from the resident access card through the Read and input predetermined card information for payment processing using a resident access card, and / or input card information for payment processing using the resident access card from a predetermined key input means through the key input unit 1220. Or / or at least one terminal (or device) via the cable communication unit and / or the near field communication unit. An information input unit for extracting and inputting payment information for payment processing using the resident access card, and ordering information (or batch payment request information) corresponding to the card information or payment information inputted through the information input unit An information processing unit for transmitting to the management server 100, an information receiving unit for receiving the order information of residents through the indoor terminal 110 from the management server 100, and the server on the payment network through the communication processing unit 1230 ( Or receiving a payment approval text including a payment processing history corresponding to the payment approval request text from the management server 100, and displaying the payment processing details included in the payment approval text through the screen output unit 1215. It is characterized in that it comprises a specialized processing unit for outputting and / or printing through the print output unit 1240.

The mode confirmation unit checks whether the operation mode of the affiliated store terminal 105 is a resident access card payment mode corresponding to payment processing using the resident access card periodically (or in response to the resident access card payment mode switching key event). Characterized in that.

If the check result is that the operating mode of the merchant terminal 105 is not the resident access card payment mode, the merchant terminal 105 performs a conventional electronic payment processing function, while the operating mode of the merchant terminal 105 is When the resident access card payment mode is confirmed, the mode confirmation unit outputs the resident access card payment mode check result through the screen output unit 1215 and then provides the information input unit.

The information input unit uses the resident access card from the resident access card through the card reader unit 1210 to process an electronic payment corresponding to the resident access card payment mode for the payment processing using the resident access card. Characterized by reading the predetermined card information for input, the input card information is provided to the full text generation unit.

In addition, the information input unit receives the resident access card from a predetermined key input means through the key input unit 1220 to process the electronic payment corresponding to the resident access card payment mode for payment processing using the resident access card. Characterized in that the input information (resident identification number or card number, payment related information) for the payment processing used, the input information is provided to the full text generation unit.

Here, the input information may include a resident unique number or a card number, and when a resident requests a postpaid batch payment, the input information may include postpaid batch payment request information.

The information processing unit generates order information or payment approval request full text including at least one of the input information input through the information input unit.

In particular, the information processing unit may transmit the order information to the management server 100 in the resident access card payment mode.

The information receiving unit receives the order information through the indoor terminal 110 from the management server 100.

When the payment approval message including the payment processing details or the payment processing details is received from the management server 100, the specialty processing unit displays the payment processing details (eg, payment approval details or payment error details) included in the payment approval text. Characterized in that the screen output through the screen output unit 1215, and / or the print output through the print output unit 1240, thereby completing the electronic payment procedure for payment processing using the resident access card. do.

100: management server 105: merchant terminal
110: Indian terminal 115: financial institution server (or payment server)

Claims (12)

In a method of operating a payment service using a resident access card equipped with a financial settlement function in connection with a terminal provided in a pre-registered merchant at a management server connected to an Indian terminal provided in a resident's house via a network,
Receiving order information from an affiliated store terminal;
Transmitting order payment request information to an indoor terminal corresponding to the order information;
Receiving card information read from a resident access card from an indoor terminal;
Generating payment approval request information including the received card information and order information, and transmitting the generated payment approval request information to a payment server on a financial network to request payment approval; merchant payment using a resident access card including How the service works.
In a method of operating a payment service using a resident access card equipped with a financial settlement function in connection with a terminal provided in a pre-registered merchant at a management server connected to an Indian terminal provided in a resident's house via a network,
Receiving order information including collective payment request information from an affiliated store terminal;
Checking the batch payment request information included in the order information received from the affiliated store terminal, collecting the received order information for a predetermined period set by the occupant, and storing the collected order information in a storage medium;
Transmitting order batch payment request information for order information collected for a certain period to an indoor terminal corresponding to the order information when the set period arrives;
Receiving card information read from a resident access card from an indoor terminal;
Generating payment approval request information including received card information and the collected order information, and requesting payment approval by transmitting the generated payment approval request information to a payment server on a financial network; Merchant payment service operation method using.
In a system for operating a payment service using a resident access card equipped with a financial settlement function in connection with a terminal provided in the registered merchants, provided in the management server connected to the Indian terminal provided in the resident's house through the network,
Means for transmitting the order settlement request information to the indoor terminal corresponding to the tenant order information received from the merchant terminal;
When the card information read from the resident access card is received from the Indian terminal, the payment approval request information including the received card information and the order information is generated, and the generated payment approval request information is transmitted to the payment server on the financial network to approve payment. Merchants payment service operating system using a resident access card comprising a means for requesting.
The method of claim 3,
Means for collecting the received order information for a predetermined period set by the tenant and storing the received order information in the storage medium when the tenant order information received from the affiliated store terminal is included;
Means for transmitting the order batch payment request information for the order information collected for a certain period to the indoor terminal corresponding to the order information, when the set period arrives; Merchants payment service operating system using a resident access card further comprising .
In a method of operating a payment service using a resident access card with a financial settlement function in a management server connected to an Indian terminal provided in a resident's house via a network,
Providing merchant product (or service) information registered in the management server to the indoor terminal;
Receiving order information on goods (or services) requested by a resident from an Indian terminal and card information read from a resident access card;
Generating payment approval request information including payment details of the received card information and tenant order information, and requesting payment approval by transmitting the generated payment approval request information to a payment server on a financial network;
After payment approval is completed, transmitting the order information of the residents to the merchant terminal (or server);
Receiving order processing result information from the merchant terminal (or server); Merchants payment service operating method using a resident access card comprising a.
In a method of operating a payment service using a resident access card with a financial settlement function in a management server connected to an Indian terminal provided in a resident's house via a network,
Providing merchant product (or service) information registered in the management server to the indoor terminal;
Receiving order information on goods (or services) requested by the tenant to purchase from the Indian terminal;
Transmitting the received order information to the affiliated store terminal (or server);
Receiving order processing result information from a merchant terminal (or server);
Transmitting order payment request information to the indoor terminal;
Receiving card information read from a resident access card from an indoor terminal;
Generating payment approval request information including payment details of the received card information and order information, and requesting payment approval by transmitting the generated payment approval request information to a payment server on the financial network; Merchant payment service operation method using a card.
In a method of operating a payment service using a resident access card with a financial settlement function in a management server connected to an Indian terminal provided in a resident's house via a network,
Providing merchant product (or service) information registered in the management server to the indoor terminal;
Receiving order information including collective payment request information from an indoor terminal;
Checking the collective payment request information included in the order information received from the Indian terminal, collecting the collective payment details on the received order information for a predetermined period set by the occupant, and storing the collected payment details in a storage medium;
Transmitting batch payment request information about the collective payment history collected for a predetermined period to the indoor terminal when the set period arrives;
Receiving card information read from a resident access card from an indoor terminal;
Generating payment approval request information including received card information and the collected payment details, and requesting payment approval by transmitting the generated payment approval request information to a payment server on a financial network; Merchant payment service operation method using a card.
In a system for operating a payment service using a resident access card equipped with a financial settlement function, which is provided in a management server connected to an Indian terminal provided in a resident's house through a network,
Means for receiving order information on goods (or services) requested by a resident from an Indian terminal;
Means for transmitting order payment request information to the indoor terminal;
When the card information read from the resident access card is received from the Indian terminal, the payment approval request information including payment details of the received card information and the order information is generated, and the generated payment approval request information is transferred to the payment server on the financial network. Means for transmitting and requesting payment approval; Merchants payment service operating system using a resident access card comprising a.
The method of claim 8,
Means for collecting the collective payment details for the received order information for a predetermined period of time set by the occupant and storing them in the storage medium when the collective payment request information is included in the order information received from the indoor terminal;
And a means for transmitting the collective payment request information on the collective payment history collected for a predetermined period to the indoor terminal when the set period arrives. The merchant payment service operating system using the resident access card further comprises.
In a method of operating a payment service using an order-only resident access card in connection with a terminal provided in a pre-registered merchant at a management server connected to an Indian terminal provided in a resident's house via a network,
Receiving order information and payment history information from an affiliated store terminal;
Collecting payment details of the tenant order information received from the affiliated store terminal for a predetermined period set by the tenant and storing the settlement details in a storage medium;
Notifying the order and payment details to a wireless terminal corresponding to the resident access card information;
Transmitting a batch payment request information on a payment history collected for a predetermined period to the indoor terminal when the set period arrives;
Receiving card information read from a payment card from an indoor terminal;
Generating payment approval request information including received card information and the collected payment details, and requesting payment approval by transmitting the generated payment approval request information to a payment server on a financial network; Merchant payment service operation method using a card.
In the method of operating the payment service using the order-only residents access card in the management server connected to the Indian terminal provided in the residents' home through the network,
Providing merchant product (or service) information registered in the management server to the indoor terminal;
Receiving order information on a purchased item from an indoor terminal;
Collecting payment details for the order information received from the Indian terminal for a predetermined period set by the occupant and storing them in a storage medium;
Notifying the order and payment details to a wireless terminal corresponding to the resident access card information;
Transmitting a batch payment request information on a payment history collected for a predetermined period to the indoor terminal when the set period arrives;
Receiving card information read from a payment card from an indoor terminal;
Generating payment approval request information including received card information and the collected payment details, and requesting payment approval by transmitting the generated payment approval request information to a payment server on a financial network; Merchant payment service operation method using a card.
In the system that is provided in the management server connected to the Indian terminal provided in the resident's house through the network, in connection with the terminal provided in the pre-registered merchant, operating a payment service using the order-only residents access card,
Means for receiving order information and payment history information from a merchant terminal (or Indian terminal);
Means for collecting payment details for the received order information for a certain period of time set by a resident and storing them in a storage medium;
Means for transmitting the collective payment request information on the payment history collected for a predetermined period to the indoor terminal when the set period arrives;
Means for generating payment approval request information including card information received from an indoor terminal and the collected payment details, and transmitting the generated payment approval request information to a payment server on a financial network to request payment approval; Merchants payment service operating system using the residents' access card.

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