KR20130139395A

KR20130139395A - Van server for operating check card and method therefor

Info

Publication number: KR20130139395A
Application number: KR1020110102484A
Authority: KR
Inventors: 노정화; 이장혁; 김정환
Original assignee: 한국정보통신주식회사
Priority date: 2011-10-07
Filing date: 2011-10-07
Publication date: 2013-12-23

Abstract

The present invention relates to a payment agent server for operating a check card and a check card operating method of a payment agent server, in particular, in the event of a failure of a card company (VAN) value added network (VAN) side by performing a real-time agent approval process to the customer and Discuss the technology that can solve the inconvenience of merchants. The present invention, the memory unit for storing the check card information that is authorized from the card company server, and performs the approval process of the check card in accordance with the check card payment request is authorized from the merchant terminal, transmitting the check card approval request to the card company server Subsequently, when the check card approval response signal is not received from the card company server, the card processing unit may include an approval processing unit that performs proxy approval based on the check card information.

Description

VAN server for operating check card and method therefor}

The present invention relates to a payment agent server for operating a check card and a check card operating method of a payment agent server. In particular, when a failure of a card company (VAN; Value Added Network) performs a real-time proxy approval process by the customer and It is a technology that can solve the inconvenience of merchants.

In recent years, with the expansion of the electronic payment infrastructure, credit payment services based on card payments such as credit cards, check cards, and debit cards have become commonplace. In the payment method using a check card, a consumer purchases a product from a seller and requests the seller to pay a transaction using one of the check cards issued by a credit card company.

Currently, the operation method of the generalized check card sets a real account opened by a given customer in his or her name as a payment account. Then, when payment processing using a check card occurs, it is common to use a settlement method in which a check card payment amount is paid from a real account set as a check account of the check card.

However, when a communication failure occurs at the card company, the card company cannot transmit a response signal corresponding to the authorization request to the van company even though the merchant has made a check card payment request through the van.

If the card company fails to transmit the response signal corresponding to the authorization request to the van, due to the failure of the card company, the merchant may not be able to make a check card payment, which may cause inconvenience to the customer and the merchant. . Therefore, when a card company's failure occurs, payment of the check card is not made smoothly, and the dissatisfaction of customers and merchants using the check card is inevitably increased.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned conventional problems and has the following objectives.

First, Van (VAN) has established a process of approval process for check card so that customer's inconvenience can be resolved by recognizing the linked account information of check card in case of card company's failure. The purpose is.

Second, the purpose of the Van (VAN) to receive and store the connection account information for each customer's card number and to perform the agency approval using the information.

Third, the card company (or bank) assigns a unique customer number value for each linked account, and the card company-bank-van (VAN) company shares three characters, and the van company uses the stored customer number value to approve the agency. Its purpose is to make it possible.

Fourth, the card company separately establishes a server storing the connection account information for each card number, and if the card company's failure occurs only the connection account information of the approval request card to the van (VAN) in real time to perform the agency approval in the van (VAN) company The purpose is to make it possible.

The payment agent server for operating the check card according to the embodiment of the present invention performs the approval process of the check card according to the check card payment request authorized from the merchant terminal, but if the check card approval response signal is not received from the card company server, the agent Characterized in that it comprises an approval processing unit for performing the approval.

Check card operating method of the payment agent server according to another embodiment of the present invention, storing the check card information that is authorized from the card company server; Requesting a check card approval to a card company server when a check card payment request is received from an affiliated store terminal; And performing a proxy approval based on the stored check card information when the check card approval response signal is not received from the card company server.

In addition, the check card operating method of the payment agent server according to another embodiment of the present invention, if the check card payment request from the merchant terminal requesting the check card approval to the card company server; Requesting to check the linked account information of the check card to the account inquiry server when the check card approval response signal is not received from the card company server; And when the response signal for the connection account information is received from the account inquiry server, performing the agent approval based on the connection account information.

Embodiments of the present invention provide the following effects.

First, Van (VAN) prepared a check card process of approval process, and in the event of a card company's failure, it can recognize the linked account information of the check card and perform the agent's approval, thereby causing inconvenience to customers and merchants using the check card. Make it possible to resolve the matter.

Second, the Van (Pay) company can provide the barrier-free service of the check card by the payment agency service, and improve the satisfaction of customers and merchants using the check card.

Third, the van provides integrated management of the customer's linked account information to provide immediate service approval even when the card company fails, providing differentiated services to customers and merchants compared to other companies. .

It will be apparent to those skilled in the art that various modifications, additions, and substitutions are possible, and that various modifications, additions and substitutions are possible, within the spirit and scope of the appended claims. As shown in Fig.

1 is a block diagram of a check card operating system according to an embodiment of the present invention.
2 and 3 is a detailed configuration of the payment agent server of FIG.
4 to 6 are views for explaining a check card operating method of the payment agent server according to embodiments of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a check card operating system according to an embodiment of the present invention.

Check card operating system according to an embodiment of the present invention includes a merchant terminal 100, the communication network 200, payment agency server 300, card company server 400 and bank server 500.

First, in the embodiment of the present invention, the check card operating system when the failure does not occur in the card company server 400 will be described as follows.

The affiliated store terminal 100 includes a key pad or a touch pad capable of number keys or handwriting input. Merchant terminal 100 performs a receipt process according to the approval request and the result. The affiliated store terminal 100 performs data communication with the payment agency server 300 through the communication network 200.

The merchant terminal 100 inserts a check card into the insertion groove provided in the housing of the terminal to perform card payment. Here, the merchant terminal 100 is provided with a magnetic strip reader (MSR) in the housing to detect and read card information recorded on the magnetic of the check card.

The affiliated store terminal 100 generates a transaction approval request full text according to the payment request information including the read check card information and the payment amount input through the key input unit. The merchant terminal 100 transmits the transaction approval request message generated by combining the transaction history information and the merchant information to the payment agency server 300 through the communication network 200. In addition, the affiliated store terminal 100 receives the full agency approval result transmitted from the payment agency server 300 and displays the result through the display unit.

The merchant terminal 100 stores the check card payment details in the memory and, if requested by the user, arranges them according to the payment date, amount, buyer, etc., and outputs them through the display unit, or displays the information of the check card payment details. Can be sent as a message.

In the embodiment of the present invention, it is assumed that the merchant terminal 100 has an MSR and reads card information from the magnetic check card. However, this is an example, the merchant terminal 100 uses a well-known technology to read the card information of the check card made of a contactless IC card or contact IC card of the RF method, as well as the magnetic type check card. It may be implemented in various forms.

Here, the affiliated store terminal 100 performs wired or wireless communication through a general mobile communication network, and performs at least one of various messages such as a short message service (SMS), a multimedia messaging service (MMS), and an e-mail message. Cellular phones that transmit and receive can also be used. In addition, the affiliated store terminal 100 may use a personal digital assistant (PDA) or the like capable of connecting to a mobile communication network and transmitting and receiving data with an Internet Protocol (IP) network such as the Internet.

In addition, the payment agent server 300 includes a server of a van (Value Added Network) company that provides a payment agent service in an electronic payment system using a check card. The payment agency server 300 receives the approval request signal from the merchant terminal 100 and reads check card company information contained in the user information in the transaction approval request message. In addition, the payment agent server 300 transmits an approval request signal to the card company server 400 which is the approval authority of the corresponding card, and receives a response thereto and transmits the response to the affiliated store terminal 100.

On the other hand, in the embodiment of the present invention, a check card operating system when a failure occurs in the card company server 400 is as follows.

In the embodiment of the present invention, the payment agent server 300 checks the balance with the customer's linked account for each check card, and the balance of the amount of the authorization request is immediately withdrawn or withdrawn withdrawal from the bank account. Therefore, the payment agency server 300 to recognize the linked account information of the check card, in the event of a card company server 400 failure can directly check the account balance in connection with the bank server 500 of the linked account. Request a withdrawal hold to be able to perform an agency approval.

In addition, the card company server 400 represents the server of the card company that issued the above check card. The card company server 400 processes the approval process for the transaction details of the check card and the cost deposit and withdrawal between the merchant and the check card holder.

The bank server 400 transmits a response signal according to the withdrawal or withdrawal withdrawal request to the payment agency server 300 when the withdrawal or withdrawal withdrawal request is made from the payment agency server 300.

FIG. 2 is a detailed configuration diagram of the payment agency server 300 of FIG. 1.

The payment agency server 300 includes a communication module 310, an approval processing unit 320, an information processing unit 330, an information storage unit 340, and a processing result transmission / reception unit 350.

Here, the communication module 310 encodes and modulates a transmission signal and demodulates and decodes a received signal. The check card payment information read from the affiliated store terminal 100 is transmitted to the approval processor 320 through the communication module 310.

In addition, the approval processing unit 320 performs a process for requesting a check card approval according to payment information authorized from the communication module 310. That is, the approval processing unit 320 receives the transaction approval request message (user information, transaction history information, and merchant information) generated from the affiliated store terminal 100.

The approval processing unit 320 reads out the check card company information contained in the user information in the transaction approval request message for the approval application and outputs the processing result to the transmission and reception unit 350. The processing result transmission / reception unit 350 transmits the processing result applied from the approval processing unit 320 to the card company server 400 to request the approval of the check card.

The information processor 330 processes information authorized from the affiliated store terminal 100 through the communication module 310 and information authorized from the card company server 400 and the bank server 500 through the processing result transceiver 350. Classified and stored in the memory unit 340. On the contrary, the information stored in the memory unit 340 may be processed and transmitted to the communication module 310 and the processing result transmitting and receiving unit 350.

The information stored in the memory unit 340 may include connection account information, agency approval processing information, unique customer number information, and merchant information.

The memory unit 340 may arrange and store linked account information for each check card number. In addition, the memory unit 340 may store the result of the proxy approval process and the approval amount information in the approval processing unit 320 when a failure of the card company server 400 occurs. In addition, the memory unit 340 may store and store a separate customer number that matches the linked account information for each check card number. The memory unit 340 registers and stores affiliated store information using the affiliated store terminal 100 in advance. Here, the affiliated store information may include a phone number, the seller's name of the affiliated store, the name of the affiliated store, a business type and a business registration number.

In addition, the payment agent server 300 may manage the transaction information of the seller or merchant by giving an identification ID for each seller or merchant. In this case, the payment agent server 300 may be directly managed by a van (VAN) company or may manage the transaction information of the seller or merchant through a separate server.

3 is another embodiment of the payment agency server 300 of FIG.

The functions of each component of the payment agent server 300 according to the embodiment of FIG. 3 are the same as those of the embodiment of FIG. 2.

However, in the embodiment of FIG. 2, the payment agent server 300 makes an authorization request for payment of the check card to the card company server 400, and receives the connection account information of the check card from the card company server 400. That is, in the embodiment of Fig. 2, a server for performing the authorization process and a server for inquiring the connection account are integrated into the card company server 400.

However, in the embodiment of FIG. 3, the card company server 400_1 for performing the authorization request processing and the account inquiry server 400_2 for searching the linked account of the check card are separately separated. Accordingly, the processing result transmitting and receiving unit 350 transmits and receives the approval request signal and the approval response signal of the check card with the card company server 400_1. Then, the processing result transceiver 350 transmits and receives an account information inquiry request signal and an account information inquiry response signal connected to the check card with the account inquiry server 400_2.

Hereinafter, each embodiment representing the check card operating method of the present invention will be described on the assumption that a failure occurs in the card company.

First, Figure 4 is a view for explaining a check card operating method of the payment agent server according to an embodiment of the present invention. The embodiment of FIG. 4 illustrates a method for the payment agency server 300 to receive the connection account information of the check card by the card number from the card company server 400 and arrange and store it daily. In the embodiment of FIG. 4, the payment agent server 300 according to the configuration of FIG. 2 is applied.

First, the card company server 400 transmits the connection account information arranged for each card number of the check card to the payment agency server 300 side. Then, if the linked account information is changed, it is transmitted to the payment agency server 300 in real time. (Step S1).

The payment agency server 300 receives the connection account information of the check card from the card company server 400 through the processing result transmission and reception unit 350, and processes the information by the information processing unit 330 to the memory unit 340 The received connection account information is placed and stored daily.

Subsequently, the merchant terminal 100 includes a payment program, and when a seller executes payment of a check card to sell goods and services, a transaction approval request message and a signature are sent to the payment agency server 300 using the payment program. Send the information and receive the full text of the approval result (step S2).

The merchant terminal 100 generates and transmits a message including a receipt related to the transaction approval or cancellation to the purchaser's mobile terminal when the transaction is approved or canceled using the payment program. The message including the aforementioned receipt may use various types of messages that can be transmitted and received through a mobile terminal, such as a short message, a multimedia message, or an e-mail message.

In addition, when the check card payment, the buyer's signature is input through the touch pad provided in the affiliated store terminal 100, and the signature information is transmitted to the payment agent server 300 together with the transaction approval request.

When the seller inserts the check card into the card insertion groove of the merchant terminal 100 and slides it, the card information is read through the MSR. The merchant terminal 100 has a card insertion groove for inserting a card on one surface thereof, and has a structure of sliding the card by inserting the check card into the card insertion groove to read the data of the check card.

The merchant terminal 100 generates a transaction approval request message in accordance with the read card information, and transmits the transaction authorization request to the payment agency server 300 through the communication network 200.

The payment agent server 300 receives the payment request signal of the check card through the communication module 310 and generates an approval request signal of the check card through the approval processor 320. In this case, the information processing unit 330 inquires the connection account information of the check card stored in the memory unit 340, searches for the card company connected to the check card and transmits to the approval processing unit 320.

In addition, the payment agent server 300 transmits the generated check card approval request signal to the corresponding card company server 400 through the processing result transceiver 350. (Step S3).

When a series of failures occur in the card company, the card company server 400 cannot transmit the response signal to the payment agent server 300 even though the payment agent server 300 transmits the request for approval of the check card. (Step S4) That is, if the payment agent 300 does not receive a response signal for the approval request for a predetermined time is recognized as a "time out" will be considered as a failure in the card company server 400.

Subsequently, the information processing unit 330 of the payment agent server 300 searches the payment bank associated with the check card by searching the linked account information stored in the memory unit 340, and transmits the account balance withdrawal withhold request signal as a result of the transmission and reception unit ( 350). Then, the processing result transmitting and receiving unit 350 transmits the account balance withdrawal withhold request signal to the bank server 500. At this time, the processing result transmission and reception unit 350 transmits the connection account number and the authorization amount of the check card to the bank server 500 side (step S5).

Next, the payment agent server 300 receives a response signal for the withdrawal request from the bank server 500 side (step S6). At this time, the bank server 500 for the withdrawal approval or withdrawal withdrawal refusal. The response signal may be transmitted to the payment agent server 300.

Then, the payment agent server 300 performs the proxy approval process through the approval processing unit 320 and stores the information for the proxy approval process in the memory unit 340. In addition, the payment agency server 300 transmits the result of the agency approval process to the affiliated store terminal 100 through the communication module 310. (step S7).

In addition, the payment agency server 300 transmits the result of the agency approval processing to the card company server 400. (Step S8) When the card company server 400 receives the result of the agency approval processing from the payment agency server 300. The account withdrawal request signal for the agency approval case is transmitted to the bank server 500 (step S9).

5 is a view for explaining a check card operating method of the payment agent server according to another embodiment of the present invention. 5 illustrates a method of storing a card company or a bank to assign a unique customer number for each account linked to a check card, and share the unique customer number with the card company, a bank, and a van company. Accordingly, the payment agent server 300 does not store the linked account information of the check card, but stores a separate customer number matching the linked account information in the memory unit. In the embodiment of FIG. 5, the payment agent server 300 according to the configuration of FIG. 2 is applied.

First, the card company server 400 transmits a separate customer number matching the connection account information for each card number of the check card to the payment agency server 300 side. In addition, when the linked account information is changed, the unique customer number that matches this is changed and transmitted to the payment agency server 300 in real time. (Step S10).

The payment agency server 300 receives the unique customer number information from the card company server 400 through the processing result transmission and reception unit 350, and processes the information by the information processing unit 330 and then received in the memory unit 340. Unique customer numbers are placed and stored daily.

Next, the card company server 400 transmits a separate customer number matching the linked account information for each card number of the check card to the bank server 500 side. When the linked account information is changed, a unique customer number matching the same is changed and transmitted to the bank server 500 in real time.

Subsequently, the merchant terminal 100 includes a payment program, and when a seller executes payment of a check card to sell goods and services, a transaction approval request message and a signature are sent to the payment agency server 300 using the payment program. Send the information and receive the full text of the approval result (step S12).

The payment agent server 300 receives the payment request signal of the check card through the communication module 310 and generates an approval request signal of the check card through the approval processor 320. In this case, the information processing unit 330 inquires the unique customer number of the check card stored in the memory unit 340 to search for a card company connected to the check card and transmit it to the approval processing unit 320.

Then, the payment agent server 300 transmits the generated check card approval request signal to the corresponding card company server 400 through the processing result transmission and reception unit 350 (step S13).

When a series of failures occur in the card company, the card company server 400 cannot transmit the response signal to the payment agent server 300 even though the payment agent server 300 transmits the request for approval of the check card. (Step S14) That is, if the payment agent 300 does not receive a response signal for the authorization request for a predetermined time is recognized as a "time out" is regarded as a failure in the card company server 400.

Subsequently, the information processing unit 330 of the payment agency server 300 searches the payment bank associated with the check card by inquiring the unique customer number stored in the memory unit 340, and transmits the account balance withdrawal withhold request signal as a result of the transmission and reception unit ( 350). Then, the processing result transmitting and receiving unit 350 transmits the account balance withdrawal withhold request signal to the bank server 500. At this time, the processing result transmission and reception unit 350 transmits the unique customer number and the authorized amount of the check card to the bank server 500 side (step S15).

Next, the payment agent server 300 receives a response signal for the withdrawal request from the bank server 500 side (step S16). At this time, the bank server 500 for the withdrawal approval or withdrawal withdrawal refusal. The response signal may be transmitted to the payment agent server 300.

Then, the payment agent server 300 performs the proxy approval process through the approval processing unit 320 and stores the information for the proxy approval process in the memory unit 340. In addition, the payment agent server 300 transmits the result of the agency approval process to the affiliated store terminal 100 through the communication module 310. (step S17).

In addition, the payment agency server 300 transmits the result of the agency approval process to the card company server 400. (Step S18) When the card company server 400 receives the result of the agency approval process from the payment agency server 300. The account withdrawal request signal for the agency approval case is transmitted to the bank server 500 (step S19).

6 is a view for explaining a check card operating method of the payment agent server according to another embodiment of the present invention. In the embodiment of FIG. 6, the card company builds a server that can separately store the linked account information of the check card for each card number, and stores only the linked account information of the card for which the card company has been requested for approval in the payment agent server 300. The method is shown. In the embodiment of FIG. 6, the payment agent server 300 according to the configuration of FIG. 3 is applied.

First, the affiliated store terminal 100 has a payment program, and when the seller executes payment of a check card to sell goods and services, the transaction approval request message and signature information to the payment agency server 300 using the payment program. And receive the full text of the approval result. (Step S20).

The payment agent server 300 receives the payment request signal of the check card through the communication module 310 and generates an approval request signal of the check card through the approval processor 320. In addition, the payment agent server 300 transmits the generated check card approval request signal to the corresponding card company server 400_1 through the processing result transceiver 350. (Step S21).

When a series of failures occur in the card company, the card company server 400 cannot transmit the response signal to the payment agent server 300 even though the payment agent server 300 transmits the request for approval of the check card. (Step S22) That is, if the payment agent 300 does not receive a response signal for the authorization request for a predetermined time is recognized as a "time out" will be considered as a failure in the card company server 400.

Then, the payment agent server 300 transmits a connection account information inquiry request signal to the account inquiry server 400_2. (Step S23) The account inquiry server 400_2 is arranged for each check card number and stored in connection account information. Inquiry to, and after passing through the user authentication and authorization check procedure, the corresponding connection account information is transmitted to the payment agent server 300. (Step S24)

The payment agent server 300 receives the connection account information from the account inquiry server 400_2 through the processing result transmission / reception unit 350, processes the information by the information processing unit 330, and then receives it to the memory unit 340. The linked linked account information.

Subsequently, the information processing unit 330 of the payment agency server 300 searches for a payment bank associated with the check card according to the connection account information stored in the memory unit 340, and transmits and requests the account balance withdrawal withhold request signal. Will print). Then, the processing result transmitting and receiving unit 350 transmits the account balance withdrawal withhold request signal to the corresponding bank server 500. At this time, the processing result transmission and reception unit 350 transmits the connection account number and the authorized amount of the check card to the bank server 500 side (step S25).

Next, the payment agent server 300 receives a response signal for the withdrawal request from the bank server 500 side (step S26). At this time, the bank server 500 for the withdrawal approval or withdrawal withdrawal refusal. The response signal may be transmitted to the payment agent server 300.

Then, the payment agent server 300 performs the proxy approval process through the approval processing unit 320 and stores the information for the proxy approval process in the memory unit 340. In addition, the payment agency server 300 transmits the result of the agency approval process to the affiliated store terminal 100 through the communication module 310. (step S27).

In addition, the payment agency server 300 transmits the result of the agency approval process to the card company server 400_1. (Step S28) When the card company server 400_1 receives the result of the agency approval process from the payment agency server 300. The account withdrawal request signal for the agency approval case is transmitted to the bank server 500 (step S29).

Claims

The check card operation is performed according to the check card payment request authorized from the merchant terminal, and if the check card approval response signal is not received from the card company server, the check card operation is performed. Billing agency server.

The method of claim 1,
The payment agent server for the check card operation, characterized in that it further comprises a memory unit for storing the check card information is authorized from the card company server.

The method of claim 2, wherein the check card information comprises one of a separate account number matching the account information linked by the card number of the check card, the linked account information by the card number is characterized in that the operation of the check card; Billing agency server.

The method of claim 1, wherein the approval processing unit requests a bank server to withdraw the account balance when the check card approval response signal is not received for a predetermined time, and receives a response signal corresponding to the withdrawal request. Payment server for the operation of the check card.

The payment agent server of claim 1, wherein the approval processing unit transmits an agency approval result to the affiliated store terminal and the card company server when the agency approval is performed.

The method of claim 1,
A communication module configured to receive the check card payment request from the affiliated store terminal;
A processing result transmitting / receiving unit which transmits / receives the result processed by the approval processing unit with the card company server; And
And an information processing unit for processing the information applied from the communication module and the processing result transceiving unit and storing the information in the memory unit.

Storing check card information applied from a card company server;
Requesting a check card approval to the card company server when a check card payment request is received from a merchant terminal; And
And performing a proxy authorization based on the stored check card information when the check card approval response signal is not received from the card company server.

The method of claim 7, wherein the act of performing the agency approval
Requesting a bank account withdrawal suspension from the bank server when the check card approval response signal is not received; And
And receiving a response signal for a withdrawal request from the bank server.

8. The method of claim 7,
And transmitting the result of performing the agency approval to at least one of the affiliated store terminal or the card company server.

The payment agent server of claim 7, wherein the check card information includes any one of a separate unique customer number matching the linked account information for each card number and the linked account information for each card number of the check card. How to operate a check card.

Requesting a check card approval to a card company server when a check card payment request is received from an affiliated store terminal;
Requesting to check the linked account information of the check card to the account inquiry server when the check card approval response signal is not received from the card company server; And
And performing a proxy approval based on the linked account information when a response signal for the linked account information is received from the account inquiry server.

12. The method of claim 11,
Requesting a bank account withdrawal suspension from the bank server; And
And receiving a response signal for a withdrawal request from the bank server.

12. The method of claim 11,
And transmitting the result of performing the agency approval to at least one of the affiliated store terminal or the card company server.