KR20150019774A - Recording medium, payment processing device and method for processing payment by using credit card - Google Patents

Recording medium, payment processing device and method for processing payment by using credit card Download PDF

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Publication number
KR20150019774A
KR20150019774A KR20130097017A KR20130097017A KR20150019774A KR 20150019774 A KR20150019774 A KR 20150019774A KR 20130097017 A KR20130097017 A KR 20130097017A KR 20130097017 A KR20130097017 A KR 20130097017A KR 20150019774 A KR20150019774 A KR 20150019774A
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KR
South Korea
Prior art keywords
card
information
remittance
account number
settlement
Prior art date
Application number
KR20130097017A
Other languages
Korean (ko)
Inventor
배병수
Original Assignee
인포뱅크 주식회사
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Filing date
Publication date
Application filed by 인포뱅크 주식회사 filed Critical 인포뱅크 주식회사
Priority to KR20130097017A priority Critical patent/KR20150019774A/en
Publication of KR20150019774A publication Critical patent/KR20150019774A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

Abstract

The present invention relates to a credit card payment processing device, a method of the same, and a recording medium, wherein the credit card payment processing device enables a customer to send money to a specific person through credit card payment. According to the present invention, the credit card payment processing device includes a communications part, a determination part, and a processing part. The communications part receives a remittance payment processing request including remittance information and credit card information from a credit card terminal, wherein the remittance information relates to a recipient′s account number and a remittance. The determination part determines whether the recipient′s account number included in the remittance information and the credit card information are valid or not. If the recipient′s account number and the credit card information are determined to be valid by the determination part, the processing part approves credit card payment so that the remittance included in the remittance information can be sent to the recipient′s account, and then processes the payment in accordance with the remittance payment approval.

Description

TECHNICAL FIELD [0001] The present invention relates to a card payment processing apparatus, a method, and a recording medium.

More particularly, the present invention relates to a card payment processing device, a method, and a recording medium for processing a payment amount when a user makes a payment using a card so as to be remitted to a specific person designated by the user Media.

In recent years, the spread of credit cards has increased so much that people use cards rather than cash.

First of all, since cards are easy to carry and payment methods are very simple, card users buy cards at supermarkets, marts, pharmacies, etc., or use cards instead of cash for transportation such as buses, subways and taxis. Also, in recent years, it is possible to pay apartment management fees, various taxes, insurance premiums, etc., so that the number of users who use the card continues to increase.

However, if a cardholder uses a card to transfer money to another person, the customer may use the card to receive cash services and then visit the bank or use an automatic teller machine (ATM) The problem is that the remittance process can be too complicated and troublesome for the customer because the remittance must be made to another person using a cash dispenser (CD).

Also, in areas where there are no banks, automatic teller machines, or cash dispensers, customers may not be able to remit cash to someone else.

The recognition of the problems and problems of the prior art is not obvious to a person having ordinary skill in the art, so that the inventive step of the present invention should not be judged based on the recognition based on such recognition I will reveal.

SUMMARY OF THE INVENTION An object of the present invention to solve the above problems is to provide a method and apparatus for receiving remittance information including remittance information from a card terminal and remittance information including information on a remittance account number and remittance amount and card information, Determining whether the receipt account number included in the remittance information and the card information are valid; if the receipt account number and the card information are determined to be valid, transferring the remittance amount included in the remittance information to the receipt account number, And to settle the amount of money due to the approval of the remittance payment, so that the card can be paid to the other person by paying the card owned by the customer, and a recording medium.

The card settlement processing apparatus according to the present invention includes a communication unit for receiving remittance information from a card terminal, the remittance information being information on a receiving account number and a remittance amount, and a remittance payment processing request including card information; A determining unit for determining whether the receiving account number included in the information and the card information are valid; if the determining unit determines that the receiving account number and the card information are valid, And a processing unit for processing the settlement of money due to the transfer payment approval.

According to one aspect of the present invention, the card settlement processing apparatus further includes a storage unit for storing and storing card information issued to at least one or more customers and preset limit information set in advance for each customer, It is possible to determine whether the card information is valid by checking whether the card information exists in the storage unit.

According to another aspect of the present invention, the determining unit may determine whether the receiving account number is valid by receiving validity information including information on whether the receiving account number is an actual account from the bank server.

According to another aspect of the present invention, the card settlement processing apparatus further includes a limit amount confirmation unit for receiving and confirming the settlement amount information that can be settled or remitted from the card issuer server through the communication unit, and the processing unit may further include: If it is within the above-mentioned limit determined by the confirmation unit, the user can approve the remittance amount to be remitted to the receiving account number, and process the settlement of money due to the remittance payment approval.

According to another aspect, the card terminal may be one of a card merchant terminal, an automatic teller machine (ATM), and a cash dispenser (CD).

According to another aspect of the present invention, the processing unit may transmit the settlement result obtained by processing the settlement of money by the remittance payment approval through the communication unit to the card terminal or the wireless terminal of the card user.

The card settlement processing method according to the present invention comprises the steps of: (a) receiving remittance information from a card terminal, wherein the remittance information is information on a remittance account number and remittance amount, and a remittance payment processing request including card information; (b) determining whether the receiving account number included in the remittance information and the card information are valid; and (c) if the receiving account number and the card information are valid in the step (b) (C) accepting the card settlement so as to transfer the remittance amount included in the information to the receiving account number; and (d) .

According to one aspect, in the step (b), it is determined whether the card information is valid by confirming that the card information is card information of a card issued to a customer requesting remittance payment processing, and if the receiving account number is actually present It is possible to determine whether the receiving account number is valid by receiving validity information including information on whether the receiving account number is valid or not.

According to another aspect, in the step (c), when the remittance amount is within the limit set in the card issued to the customer requesting the remittance payment processing, the remittance amount is approved to be remitted to the receiving account number, The amount settlement can be handled.

According to another aspect, the card terminal may be one of a card merchant terminal, an automatic teller machine (ATM), and a cash dispenser (CD).

According to another aspect, there is provided a recording medium on which a program for causing a computer to execute the steps is recorded.

According to the present invention, it is possible to remit a card held by a customer and send it to another person, thereby enabling a customer to easily and easily transfer the cash to a specific person without cash.

In addition, it is possible to remit money to another person through a card settlement using a card terminal which can easily be accessed by a customer having a card, thereby preventing the inconvenience that a customer must find a bank, an automatic teller machine and a cash dispenser to remit money .

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and form a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given above, serve to further the understanding of the technical idea of the invention. And should not be construed as interpretation.
1 is a diagram showing a configuration of a card settlement processing system according to an embodiment of the present invention.
2 is a diagram showing a configuration of a payment processing server according to an embodiment of the present invention.
3 is a diagram illustrating an example of a process of processing a card settlement according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. 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. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

Here, for convenience of explanation, it is assumed that a customer selects a product through a payment application, makes a payment, applies for a substitute driving service, and pays the cost.

1 is a diagram showing a configuration of a card settlement processing system according to an embodiment of the present invention. Here, in the embodiment of the present invention, for convenience of explanation, a customer who has a credit card (hereinafter, referred to as a 'card') visits a card merchant and sends cash to a third person through a card terminal provided at the card merchant shop It is assumed that the card is paid. In addition, in the embodiment of the present invention, it is assumed that a customer makes a remittance payment using a terminal provided at a card merchant store, but the present invention is not limited to this, and may be an ATM (Automatic Teller Machine) It is also possible to use a cash dispenser (CD) to pay the card for remittance.

Referring to FIG. 1, the card settlement processing system according to the embodiment of the present invention includes a card terminal 200, a payment processing server 300, and a bank server 400.

The card terminal 200 according to one aspect of the present invention is a terminal that is provided at a card merchant and processes card settlement, and can exchange information necessary for card settlement with the settlement processing server 300 through a communication network.

In addition, the card terminal 200 according to an aspect of the present invention receives remittance information including a receiving account number and a remittance amount to be remitted by a customer from a customer, Upon receiving the information, it transmits the remittance information and the card information to the payment processing server 300 and requests payment processing for remittance. At this time, the card terminal 200 can read the card information from the magnetic or IC chip provided in the card through the card reader unit, and receives the card information recorded on the card through the key input unit provided in the card terminal 200 It is also possible.

Here, the card information is information for identifying a card provided by a customer from a card company, and includes unique information such as a card number, an expiration date, a CVC number, and the like.

In addition, the card terminal 200 according to an aspect of the present invention outputs settlement approval information on the display upon receiving the settlement approval information from the settlement processing server 300. [ Here, the payment approval information includes information such as card information, approved amount, remittable balance, etc., which the customer uses for payment.

The settlement processing server 300 according to an aspect of the present invention is an apparatus for processing a card settlement request received from the card terminal 200. When a card settlement request is received together with remittance information and card information from the card terminal 200 If it is determined that the received remittance information and the card information are valid, and if it is determined that the remittance information and the card information are valid, the payment is approved so that the remittance amount is remitted to the designated account number designated by the customer and the remittance amount is remitted to the receiving account number .

Here, the settlement processing server 300 may be a server of a van (VAN) server for performing card settlement or a card issuer server for approving the settlement of a card. In the embodiment of the present invention, the settlement processing server 300 It is assumed that it is a card company server. If the settlement processing server 300 is a bank server, the bank server can process settlement for remittance in conjunction with the card company server.

In addition, the payment processing server 300 according to an aspect of the present invention requests the bank server 400 to confirm whether the receiving account number included in the remittance information is valid, In response to the confirmation request, the validity information is received and it is determined whether the received account number is valid.

In addition, the payment processing server 300 according to an aspect of the present invention checks the limit amount information set in advance in the card of the customer corresponding to the card information when the card information received from the card terminal 200 is valid, If the amount of the transfer is within the limit, the transfer amount is approved to be transferred to the receiving account number. Here, the ceiling amount information means remaining amount information that a customer can settle or remit using a card.

In addition, the bank server 400 according to one aspect of the present invention is an apparatus for processing the overall computer operation of a bank. When a request for checking whether a receiving account number is valid is received from the payment processing server 300 through a communication network, Confirms that the number is a valid existing account, and transmits validity information including the confirmation result to the payment processing server 300.

In addition, the bank server 400 according to an aspect of the present invention receives the remittance information together with the remittance information from the payment processing server 300 so that the remittance amount included in the remittance information is remitted to the receiving account number included in the remittance information And transmits the transfer processing result to the payment processing server 300. Here, the result of the remittance process includes information such as a receipt account number, a remittance amount, a remittance completion time, and the like.

2 is a diagram showing a configuration of a payment processing server according to an embodiment of the present invention.

2 shows a detailed configuration of the settlement processing server 300 shown in FIG. 1, and each configuration is only a configuration for explaining an embodiment of the present invention. The technical characteristics are not limited only by the method shown in FIG.

2, a payment processing server 300 according to an embodiment of the present invention includes a communication unit 310, a storage unit 320, a determination unit 340, a limit amount verification unit 340, a processing unit 350, And a controller 360 for controlling the respective components.

Here, although the payment processing server 300 is shown as a single apparatus in the drawing for the sake of explanation of the embodiment, each of the constituent units may be divided into one or more servers or apparatuses, Additions or deletions are possible.

The communication unit 310 according to an aspect of the present invention transmits and receives data related to card settlement with the card terminal 200 or the bank server 400 through a communication network.

The communication unit 310 receives the remittance payment processing request including the remittance information and the card information from the card terminal 200 and transmits the payment approval information that is the result of the processing according to the remittance payment processing request to the card terminal 200 do. Here, the payment approval information includes information such as card information, approved amount, remittable balance, etc., which the customer uses for payment.

In addition, the communication unit 310 according to an aspect of the present invention transmits a validation confirmation request for the receiving account number together with the receiving account number to the bank server 400, and when the receiving account number from the bank server 400 exists The validity information including information on whether or not the valid account is valid.

In addition, the communication unit 310 according to an aspect of the present invention transmits a remittance request including the remittance information to the bank server 400, and receives the remittance processing result in response to the remittance request from the bank server 400.

The storage unit 320 according to an aspect of the present invention connects card information issued to at least one or more customers using the card settlement service, limit amount information preset for each customer, member information about each customer, And stores it. Here, the ceiling amount information means remaining amount information that a customer can settle or remit using a card.

The ceiling amount confirmation unit 330 according to an aspect of the present invention locates the ceiling amount information corresponding to the card information received through the communication unit 310 in the storage unit 320 and confirms the ceiling amount set in the card to be paid by the customer do.

The determination unit 340 according to an aspect of the present invention determines whether the received account number and card information included in the received remittance information are valid.

In addition, the determination unit 340 according to an aspect of the present invention transmits the receiving account number to the bank server 400 through the communication unit 310 to request information on the validity of the receiving account number and receives from the bank server 400 And determines whether the receiving account number is valid through the validity information.

In addition, the determination unit 340 determines whether the card information received through the communication unit 310 is card information existing in the storage unit 320 and determines whether the card information is valid.

In addition, the determination unit 340 according to an aspect of the present invention determines whether the remittance amount is within the limit that is confirmed through the limit amount confirmation unit 330. [

The processing unit 350 according to an aspect of the present invention approves the card settlement so that the remittance amount included in the remittance information is remitted to the receiving account number when the determining unit 340 determines that the receiving account number and the card information are valid And performs the settlement of the amount due to the approval of the remittance payment.

In addition, the processing unit 350 according to an aspect of the present invention processes the remittance through the bank server 400, and then charges the remitted money, and transmits the payment approval information including the result of the settlement to the card terminal 200 do. At this time, the processing unit 350 may transmit the payment approval information to the customer's wireless terminal number stored in the storage unit 320 by at least one of a text message and a push message.

In addition, the processing unit 350 according to an aspect of the present invention determines whether the remittance amount is within the limit through the determination unit 340 when the determination unit 340 determines that the received account number and card information are valid. If it is determined through the determination unit 340 that the remittance amount is within the limit, the processing unit 350 approves the remittance amount to be remitted to the receiving account number and processes the amount settlement according to the remittance approval.

3 is a diagram illustrating an example of a process of processing a card settlement according to an embodiment of the present invention.

Referring to FIG. 3, the payment processing server 300 receives a remittance settlement request including remittance information and card information from the card terminal 200. Here, the remittance information includes information such as a receiving account number to be remitted by the customer and a remittance amount, and the card information includes information for identifying the card of the customer issued by the card company, such as a card number, an expiration date, a CVC number, .

Subsequently, the processing unit 350 of the payment processing server 300 checks whether the receiving account number and the card information are valid (S320). Here, the processing unit 350 confirms the validity of the receiving account number through the bank server 400, verifies whether the receiving account number exists in the storage unit 320, and confirms whether or not the card is valid.

Subsequently, the processing unit 350 determines whether remittance information is valid through the determination unit 340 (S331).

If it is determined in step S331 that the remittance information is valid, the processing unit 350 determines whether the card information is valid through the determination unit 340 (S351). If it is determined in step S331 that the received account number is invalid, the processing unit 350 Informs the card terminal 200 that there is an error in which the receiving account number is not valid (S333).

If it is determined in step S351 that the card information is valid, the determination unit 350 checks the limit value set on the card corresponding to the card information through the limit amount checking unit 330 (S360). If it is determined in step S351 that the card information is valid If not, the processing unit 350 notifies the card terminal 200 of an error that the card information is not valid (S353).

Then, the processing unit 350 determines whether the remittance amount is within the limit determined by the limit amount checking unit 330 (S371).

If it is determined in step S371 that the remittance amount is within the limit amount information, the processing unit 350 approves the card settlement for the remittance and processes the amount settlement by the remittance approval (S380). At this time, the processing unit 350 transmits the remittance information to the bank server 400 and requests the remittance amount to be remitted to the receiving account number included in the remittance information.

If it is determined in step S371 that the remittance amount is not within the limit amount information, the processing unit 350 notifies the card terminal 200 that the remittance amount exceeds the remittance amount (S373).

Then, the processing unit 350 transmits the settlement approval information including the result of the settlement to the card terminal 200.

100: card 200: card terminal
300: Payment processing server 310:
320: storage unit 330:
340: Judgment section 350:
360: control unit 400: bank server

Claims (11)

A communication unit for receiving remittance information from the card terminal, wherein the remittance information is information on a receiving account number and remittance amount, and a remittance payment processing request including the card information;
A determining unit for determining whether the receiving account number included in the remittance information and the card information are valid; And
A processing unit for approving the card settlement so that the remittance amount included in the remittance information is remitted to the receipt account number when the determination unit determines that the receipt account number and the card information are valid, ;
And the card payment processing device.
2. The card settlement processing apparatus according to claim 1,
And a storage unit for storing and storing the card information issued to at least one customer and the limit amount information set in advance for each customer,
Wherein,
And determines whether the card information is valid by checking whether the card information exists in the storage unit.
The apparatus of claim 1,
Wherein the validity information includes information on whether the receiving account number is an actual account from the bank server, and determines whether the receiving account number is valid.
2. The card settlement processing apparatus according to claim 1,
Further comprising: a limit amount confirmation unit for receiving and checking the limit amount information that can be settled or remitted from the card issuer server through the communication unit,
Wherein,
And when the remittance amount is within the limit determined by the remittance confirmation unit, the remittance amount is approved to be remitted to the receiving account number, and the remittance settlement process is performed.
The card terminal comprises:
Card merchant terminal, an ATM (Automatic Teller Machine), and a cash dispenser (CD).
The apparatus according to claim 1,
And transmits the settlement result obtained by processing the settlement of accounts by the remittance payment approval through the communication unit to the card terminal or the card terminal of the card user.
(a) transferring remittance information from a card terminal, wherein the remittance information is information on a receiving account number and a remittance amount, and receiving a remittance payment processing request including the card information;
(b) determining whether the receiving account number included in the remittance information and the card information are valid;
(c) if it is determined that the receiving account number and the card information are valid in the step (b), approving the card settlement so that the remittance amount included in the remittance information is remitted to the receiving account number, Processing the settlement; And
(d) transmitting the settlement result processed in the step (c) to the card terminal;
And a card payment processing unit.
8. The method of claim 7, wherein step (b)
It is determined whether the card information is valid card information by confirming that the card information is card information of a card issued to a customer requesting remittance payment processing, and whether the card information is valid or not, And determines whether the receiving account number is valid by receiving the information.
8. The method of claim 7, wherein step (c)
When the remittance amount is within the limit amount set for the card issued to the customer requesting the remittance settlement processing, the remittance amount is approved to be remitted to the receiving account number, and the amount settlement is performed according to the remittance payment approval. Way.
8. The card terminal according to claim 7,
Card merchant terminal, an ATM (Automatic Teller Machine), and a cash dispenser (CD).
A computer-readable recording medium having recorded thereon a program for executing at least one of the methods of claims 7 to 10.
KR20130097017A 2013-08-16 2013-08-16 Recording medium, payment processing device and method for processing payment by using credit card KR20150019774A (en)

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KR20130097017A KR20150019774A (en) 2013-08-16 2013-08-16 Recording medium, payment processing device and method for processing payment by using credit card

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210039606A (en) * 2019-10-02 2021-04-12 신한카드 주식회사 Apparatus and method of changing financial information based on card payment
KR102286552B1 (en) * 2020-06-30 2021-08-05 주식회사 타우니 Method and system for mobile payment including check of validity based on geographic location

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20210039606A (en) * 2019-10-02 2021-04-12 신한카드 주식회사 Apparatus and method of changing financial information based on card payment
KR102286552B1 (en) * 2020-06-30 2021-08-05 주식회사 타우니 Method and system for mobile payment including check of validity based on geographic location
KR20220002159A (en) * 2020-06-30 2022-01-06 주식회사 타우니 Method and system for mobile payment including check of validity based on geographic location

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