KR20160002430A - Payment agency server, card terminal and accounting system for card payment, and method for processing payment information thereof - Google Patents

Abstract

The present invention relates to a payment gateway server, a card terminal, and a balance accounting system for card payment, and to a method for processing payment information using the same. The payment gateway server comprises: a communications unit which is connected to a card terminal and a server of a card company to process a payment, receives a full text of an approval request for the card payment from the card terminal, and transmits, to the card terminal, a full text of a result of approval received from the server of the card company in response to the full text of the approval request when a communications failure occurs between the card terminal and a main payment gateway server; and a payment processing unit which transmits the payment approval information included in the full text of the result of approval received from the server of the card company, to the main payment gateway server through the communications unit.

Description

[0001] The present invention relates to a payment agent server, a card terminal, a settlement system, and a payment information processing method using the same,

The present invention relates to a method for processing settlement related information in a card settlement system in which settlement is processed through a settlement agency server.

With the expansion of the electronic payment infrastructure, credit payment services based on credit card, check card, and debit card payment (hereinafter "credit card") settlement became common. After the user purchases the goods or services from the merchant through card payment, the credit payment service pays a fee for use of the goods or services to the credit card company on the payment date, and the merchant pays the sales price of the goods or services from the credit card company or the like The payment method using the payment settlement electronic payment infrastructure.

The system for providing the credit settlement service includes a plurality of card terminals provided at a plurality of merchant stores, a Value Added Network (VAN) company providing a settlement agency service related to card settlement between a plurality of merchant stores and card companies Server (hereinafter referred to as "settlement proxy server"), and a server of a card company that issued a credit card to the user are connected through a communication network. The vans mean a payment network for a payment transaction between the card terminals and the card issuer server.

In the payment system using the payment agent server between the card terminal and the card issuer server as described above, in the case where a failure occurs in the communication network between the payment agent server and the card terminal or between the payment agent server and the card terminal, , The card settlement may not be normally performed.

Also, in recent years, the above communication troubles have occurred more frequently due to the communication delay due to the surge of the number of card settlement, and thus the reliability of the settlement system is lowered.

An object of the present invention is to provide a settlement proxy server, a card terminal, a settlement system, and a settlement information processing method using the settlement proxy server, which can cope with a communication failure of a settlement system in a normal manner.

Also, the present invention provides a settlement proxy server, a card terminal, a settlement system, and a settlement information processing method using the same, which can easily process a charge, a cancellation, a history inquiry, .

The payment agent server according to the embodiment of the present invention is connected to the card terminal and the card company server to process the payment, and when a failure occurs in the communication between the card terminal and the main payment agent server, A communication unit that receives the approval request telegram and transmits the approval result telegram received from the card issuer server to the card terminal in response to the approval request telegram; And a payment processing unit for processing payment acceptance information included in the approval result telegram received from the card issuer server to be transmitted to the main settlement agency server through the communication unit.

The settlement system according to an embodiment of the present invention is connected to a card terminal and a card issuer server to process settlement related information between a plurality of settlement proxy servers for processing settlement, From the sub payment agency server, the settlement approval information processed through the sub settlement proxy server according to the received settlement approval information, and transmits the stored settlement approval information to the main settlement proxy server after releasing the communication failure.

The card terminal according to the embodiment of the present invention processes payment through communication with a payment agent server connected to a card issuer server and generates an approval request telegram for card payment according to a communication professional format with the first payment agent server A first payment module; A second payment module for generating the approval request telegram in accordance with a communication professional format with the second payment proxy server; A communication unit for transmitting the generated approval request message to at least one of the first and second payment agent servers; And an authorization request message generated in the first payment module is transmitted to the first payment agent server through the communication unit, and when a failure occurs in communication with the first payment agent server, And a control unit for allowing the approval request telegraphic message to be transmitted to the second settlement proxy server via the communication unit, wherein the cancellation or history inquiry about the payment approval processed through the second settlement proxy server is transmitted to the first settlement proxy server And the payment approval information processed through the payment agent server is transmitted to the main payment agent server for the requested payment cancellation or history inquiry.

According to another aspect of the present invention, there is provided a payment information processing method, which is connected to a card terminal and a card issuer server, processes payment information in a payment proxy server for processing a payment, Receiving an approval request message for card settlement from the card terminal when a communication failure occurs; Transmitting the received approval request message to a card company server; Receiving an approval result message transmitted from the card issuer server in response to the approval request telegram; Transmitting the received approval result telegram to the card terminal; And transmitting payment approval information included in the received approval result telegram to a settlement system connected to the main settlement agency server or the main settlement agent server.

The payment information processing method may be embodied as a computer-readable recording medium on which a program for execution by a computer is recorded.

According to an embodiment of the present invention, a plurality of payment modules are provided in a card terminal to transmit / receive a message for payment according to a professional format and an encryption method according to another payment agency server in case of a communication failure with an existing payment agent server, The settlement can be normally processed even in the case of a communication failure due to an error of a specific van network or the like, thereby reducing the inconvenience of the user.

According to another embodiment of the present invention, the card terminal stores only minimum information related to another payment agent server used in communication failure, and performs settlement using another payment agent server in case of a communication failure with the existing payment agent server So that it is possible to eliminate the inconvenience that data related to all settlement agencies available from the time of release of the card terminal must be stored.

According to another embodiment of the present invention, in the case of a communication failure, the payment approval information processed through the sub payment agent server is transferred to the main payment agent server, It is possible to easily perform operations such as billing, cancellation, history inquiry or settlement through the main payment agent server after approval of payment.

1 is a block diagram showing a configuration of a card settlement system according to a first embodiment of the present invention.
2 is a block diagram showing an embodiment of a configuration of a card terminal according to the present invention.
3 is a flowchart illustrating a method of processing payment information of a card terminal according to an exemplary embodiment of the present invention.
FIG. 4 is a timing chart for explaining a first embodiment of a method for performing settlement in the case of a communication failure in the card settlement system according to the present invention.
FIG. 5 is a timing chart for explaining a second embodiment of a method for performing settlement in the case of a communication failure in the card settlement system according to the present invention.
FIG. 6 is a timing chart for explaining a third embodiment of a method for performing settlement in the case of a communication failure in the card settlement system according to the present invention.
7 is a flowchart illustrating an exemplary method of transmitting an approval request message to a second settlement proxy server in the event of a communication failure with the first settlement proxy server.
8 is a flowchart illustrating an example of a method of transferring the approval result received from the second settlement proxy server to the first settlement proxy server after the communication failure is canceled.
9 is a block diagram showing a configuration of a card settlement system according to a second embodiment of the present invention.
10 is a block diagram showing a configuration of a card settlement system according to a third embodiment of the present invention.
11 is a block diagram illustrating a configuration of a payment proxy server according to an embodiment of the present invention.
12 is a flowchart illustrating a payment information processing method of a payment agent server according to an embodiment of the present invention.
FIG. 13 is a block diagram for explaining an operation of the card settlement system according to the present invention after payment is approved.
FIG. 14 is a timing chart for explaining a billing method for a payment processing in case of a communication failure in a card settlement system according to an embodiment of the present invention.
FIG. 15 is a timing chart for explaining a cancellation method for settlement in case of a communication failure in a card settlement system according to an embodiment of the present invention. FIG.
16 is a view showing an embodiment of a configuration of a user interface (UI) for managing payment details in a card terminal.

Hereinafter, a card terminal and a payment information processing method using the card terminal according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

First, the terms used in the specification of the present invention will be briefly defined, and then an embodiment of the present invention will be described.

The term " terminal "described in this specification includes a mobile phone, a smart phone, a laptop computer, a desktop computer, a digital broadcast terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) Navigation, and the like. However, the present invention is not limited thereto, and may be various devices capable of user input and information display.

The "payment proxy server" refers to a server of a VAN company that relays a credit card electronic payment. However, various types of servers related to credit card electronic payment may also be applicable. Therefore, it is possible to separate the actual payment relay function and other additional functions into separate server types.

FIG. 1 is a block diagram of an embodiment of a card settlement system according to the present invention. The settlement system includes a card terminal 100, a payment agent server 200, and a card issuer server 300 Lt; / RTI >

Referring to FIG. 1, if there is a card payment using a credit card at an affiliated store provided with the card terminal 100, the card terminal 100 reads card information from the buyer's credit card, And transmits it to the payment proxy server 200. [

The card terminal 100 includes a means for reading card information from a buyer's card (for example, a magnetic reader, an IC card reader, or an NFC reader), and transmits the card information to the payment agent server 200 using a wired or wireless Internet, A personal computer (PC) capable of communicating with a mobile phone, a mobile phone or a tablet, but the present invention is not limited thereto.

According to one embodiment of the present invention, the card terminal 100 may be implemented in the form of a POS (point of sale) system in combination with the store sales system in addition to the functions described above, or may be implemented using a wireless Internet or a public telephone network And may be implemented in the form of a CAT (Card Authorization Terminal) communicating with the payment agent server 200.

1, the settlement proxy server 200 is described as being a single server type and is described as a technical feature of the present invention. However, the present invention is not limited thereto, The present invention can be implemented in two or more server groups for each component (or means), and the present invention is characterized in that it includes all the methods that can be inferred.

For example, the payment agent server 200 may be a server operated by a VAN company, and the card terminal 100 may be connected to a card issuer server 200 through a payment agency server 200 using a VAN company network 300), the transaction can be completed.

The card terminal 100 and the billing agency server 200 of the van company are connected to each other by a predetermined network network (e.g., telephone Internet or the like), and the billing agency server 200 of the van company and a credit card company The server 300 may be connected to a dedicated packet network.

The settlement proxy server 200 transmits the approval request telegram to the card company server 300 and receives the approval result telegram from the card issuer server 300 that approved the card acceptance.

For example, the payment proxy server 200 reads the credit card company information included in the user information in the approval request text for the credit card approval request, and transmits the data related to the transaction approval request to the credit card company server 300 of the credit card company send.

Upon receiving the data related to the transaction approval request, the card company server 300 compares the user information, the product order information, the payment amount, and the merchant information included in the data related to the transaction approval request with its own membership data or merchant data, Confirm whether the transaction between the card user and the merchant is valid.

On the other hand, the card issuer server 300 transmits the transaction approval result for the transaction approval request to the payment agency server 200 of the van that relayed the payment approval request, and the payment agent server 200 stores the approval number data To the card terminal 100 of the corresponding merchant.

Then, the settlement proxy server 200 transmits the approval result telegram to the card terminal 100, and the card terminal 100 that has normally received the approval result telegram transmits an acknowledgment (ACK) message to the payment proxy server 200 Lt; / RTI >

On the other hand, the payment proxy server 200 that has normally received the confirmation message from the card terminal 100 may transmit a completion message to the card terminal 100 to notify that the confirmation message has been normally received.

Thereafter, the card terminal 100 that has normally received the completion message according to the above-described procedure can output the sales slip according to the payment approval.

In the payment method using the credit card, when the credit card user provides the card number, the expiration date, the card issuer, and the like necessary for credit card payment approval to the card terminal 100 installed in the merchant, A transaction approval is requested to the server 300 of the corresponding card company through the payment server 200 and payment is made based on the approved result.

However, when a communication failure occurs between the card terminal 100 and the payment proxy server 200, there may be a situation where at least one of the approval request telegram, the approval result telegram, the confirmation message, and the completion message is not normally transmitted or received In this case, the card terminal 100 judges that the card settlement has not been normally completed, and can notify the merchant and the buyer of the error in payment.

In the above description, it is assumed that the settlement is not performed due to a communication failure between the card terminal 100 and the settlement proxy server 200. However, an operation error of the card terminal 100 itself or an error in the settlement proxy server 200 The card settlement through the payment agent server 200 may not be normally performed depending on various causes such as a communication failure between the card issuer server 300 and the like.

1, a card settlement system according to an embodiment of the present invention includes a plurality of settlement proxy servers 200 to 260 connected between a card terminal 100 and a card issuer server 300, And the payment agency servers 200 to 260 can perform the operations of the payment agent server 200 as described above between the card terminal 100 and the card issuer server 300 respectively.

If at least one of the approval request message, the approval result message, the confirmation message, and the completion message for card settlement is not normally transmitted or received with the first payment agent server 200, The settlement may be performed according to the method described above with reference to Fig. 1 through any one of the first to eighth settlement servers 210 to 260.

More specifically, the card terminal 100 includes a plurality of payment modules corresponding to the payment agency servers 200 to 260 or a part of them, respectively, so that each of the payment modules can receive payment through the corresponding payment agent server (For example, special creation or conversion according to the communication professional format with the corresponding settlement agency server) can be performed so that the first settlement agent server 200, In addition, the settlement can be normally performed through communication with another settlement agency server.

The card terminal 100 includes a communication unit 110, a control unit 120, a plurality of payment modules 130 to 132, ), A memory 140, and a display unit 150. [

2, a communication unit 110 included in the card terminal 100 is connected to a plurality of payment agencies 200 through 260 through a communication network of a vans, and receives various information related to authentication and approval for card settlement It can transmit and receive.

Meanwhile, the plurality of payment modules 130 to 132 may perform an operation necessary to perform settlement using the settlement agent server corresponding thereto, and may store information (for example, corresponding information The address information for the payment agent server, the communication professional format and the encryption scheme information, etc.) are stored in the memory 140 or downloaded from an external server if necessary.

The first settlement module 130 is for performing settlement through the first settlement agency server 200, and operations necessary for the settlement can be implemented as hardware or software.

For example, since the format and the encryption method of the payment related specialties such as the approval request special or the approval result special may be different for each of the payment agencies operating the payment agency server, It is possible to perform operations necessary for settlement according to the communication professional format and the cipher system with the proxy server 200 (i.e., the professional form and the cipher system of the VAN 1).

More specifically, the first payment module 130 generates an approval request telegram for card settlement according to a communication professional format with the first payment proxy server 200, and transmits the generated approval request telegram to the corresponding VAN 1 And transmits the encrypted authorization request message to the first payment agent server 200 through the communication unit 110. [

For this purpose, the first settlement module 130 includes a professional creation module (not shown) for creating or converting a settlement related specialty according to a communication professional format with the first settlement proxy server 200, And an encryption module (not shown) for encrypting according to the encryption method of the corresponding vans VAN1.

Meanwhile, the second settlement module 131 is for performing settlement through the second settlement proxy server 210, and operations necessary for the settlement can be implemented as hardware or software.

For example, the second payment module 131 may perform operations necessary for payment according to the communication professional format and the encryption method (i.e., the professional format and the encryption method of the VAN 2) with the second payment agent server 210, More specifically, the approval request telegram can be generated according to the communication professional format with the second payment proxy server 210, and the generated approval request telegram can be encrypted according to the encryption scheme of the corresponding VAN2.

For this purpose, the second settlement module 131 includes a professional creation module (not shown) for creating or converting a settlement related specialty according to a communication professional format with the second settlement proxy server 210, And an encryption module (not shown) for encrypting according to the encryption scheme of the corresponding vans VAN2.

The controller 120 controls the payment to be performed using one of the plurality of payment modules 130 to 132 depending on whether a communication failure has occurred with the payment agent server 200, And can control the operation.

For example, the control unit 120 causes the first payment transaction server 200 to transmit the approval request message generated by the first payment module 130 to the first payment agent server 200 through the communication unit 110, The authentication request message generated by the second payment module 131 may be transmitted to the second payment agent server 210 through the communication unit 110. [

If the response message to the approval request telegram or the approval result message transmitted to the payment agent server 200 is not received from the payment agent server 200 for a predetermined time, It can be determined that a failure has occurred in the communication with the base station.

The memory 140 includes an operating system (OS), firmware, and software necessary for the operation of the card terminal 100, such as the flash ROM and the SRAM 262, And may store information necessary for operation of the plurality of payment modules 130 to 132 in addition to the information.

On the other hand, the display unit 150 displays and outputs information processed by the card terminal 100. For example, the card terminal 100 displays a UI (User Interface) or a GUI (Graphic User Interface) for processing a card settlement or managing approved payment histories through the display unit 150.

The display unit 150 may be a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, a three-dimensional display 3D display).

The display unit 150 may be connected to the display unit 150 in a case where the display unit 150 and the sensor for detecting the touch operation (hereinafter, referred to as 'touch sensor') have a mutual layer structure It can also be used as an input device. The touch sensor may have the form of, for example, a touch film, a touch sheet, a touch pad, or the like.

Hereinafter, with reference to FIG. 3 to FIG. 8, embodiments of a method for processing payment information of a card terminal according to the present invention will be described in detail.

FIG. 3 is a flowchart illustrating a payment information processing method of a card terminal according to an embodiment of the present invention. Referring to FIG. 3, Will be described with reference to the block diagram shown in FIG.

Referring to FIG. 3, the first payment module 130 of the card terminal 100 generates a first approval request message for card settlement according to the communication professional format with the first payment agent server 200 (step S300) , The communication unit 110 transmits the generated first approval request message to the first payment agent server 200 (step S310).

For this purpose, in the memory 140 provided in the card terminal 100, information on a server address to be connected to the first settlement proxy server 200, information on the communication with the first settlement proxy server 200 Information about the professional format may be stored.

The first approval request message is encrypted by the first payment module 130 according to a predetermined encryption scheme so that the first approval request message can be decrypted by the first payment agent server 200 and then transmitted to the first payment agent server 200 And information such as an encryption key or key necessary for encryption may be stored in the memory 140 for that purpose.

The controller 120 determines whether a failure has occurred in the communication with the first payment agent server 200 that transmitted the first approval request message (operation S320).

For example, the controller 120 transmits an acknowledgment (ACK) message to the first payment agent server 200 for the approval request message or the approval result message, and then transmits the acknowledgment message to the first settlement proxy server 200 within a predetermined period of time, It is possible to determine that a communication failure has occurred with the payment agent server 200 when the approval server 200 does not receive the approval result message or the completion message in response to the confirmation message.

The second payment module 131 receives the control of the card settlement in accordance with the communication professional format with the second settlement agency server 210 under the control of the controller 120 (Step S330). The communication unit 110 transmits the generated second approval request message to the second payment agent server 210 (step S340).

For this purpose, the memory 140 provided in the card terminal 100 stores information on the server address to be connected to the second settlement proxy server 210, information on the communication with the second settlement proxy server 210, It may contain information about the professional format.

Meanwhile, the second authorization request message is encrypted by the second payment module 131 according to a predetermined encryption method so that the second authorization request server 210 can decrypt the second authorization request message, and then transmitted to the second payment agent server 210 And information such as an encryption key or key necessary for encryption may be stored in the memory 140 for that purpose.

According to another embodiment of the present invention, information necessary for the operation of the second payment module 131, for example, the address of the second payment agent server 210, the format of the second approval request message, At least some of the encryption keys are not stored in the memory 140 in advance and are requested by the external download server through the communication unit 110 under the control of the control unit 120 when a communication failure occurs with the first payment agent server 200 It can be downloaded from it.

4 is a timing chart for explaining a first embodiment of a method for performing settlement in the case of a communication failure in a card settlement system according to an embodiment of the present invention.

4, information on the operation of the first payment module 130 (for example, the first payment agent server 130 (see FIG. 1) 200), and the address information of the first download server 201 may be stored in the memory 140 together with the encrypted format information.

The merchant receives the device and merchant identification information from the card terminal 100 and requests the merchant store download to the first download server 201 in step S401. The first download server 201 responds to the merchant store download request And transmits information such as address information (or a settlement phone number) to the first settlement proxy server 200 to the card terminal 100 (step S402).

For example, a terminal ID, a business registration number, a subscriber telephone number, a dealer code, and the like may be input to the card terminal 100 for downloading the merchant.

The first download server 201 receives a merchant store download request including the input information from the card terminal 100 and checks the input identification information to identify the merchant, To the card terminal 100, the address of the first settlement proxy server 200 that the first settlement proxy server 200 needs to access in order to perform settlement.

After the merchant downloading process of the card terminal 100 is completed, the card terminal 100 transmits the approval request message including the card information and the payment amount information read from the credit card of the purchaser to the first payment module 130, And transmits it to the first payment agent server 200 (step S403).

The first payment agent server 200 transmits the approval request telegram to the card company server 300 in step S404. After the card issuer server 300 receives approval for the card payment, To the proxy server 200 (S405).

Then, the first payment agent server 200 transmits the approval result message to the card terminal 100 of the corresponding merchant (step S406), and the card terminal 100 confirms that the approval result message is normally received ACK message to the first payment agent server 200 (step S407).

Upon receiving the acknowledgment message, the first payment agent server 200 transmits a completion message indicating that the acknowledgment message is normally received to the card terminal 100 in step S408.

The method of performing payment in the card settlement system as described with reference to FIG. 4 shows a method in which settlement is performed when a communication failure does not occur between the first settlement proxy server 200 and the card terminal 100, The VAN 1 operating the settlement proxy server 200 is set as the main VAN of the card terminal 100 so that the card terminal 100 can not receive the communication failure with the first settlement agency server 200 It may transmit the approval request telegram to the first settlement proxy server 200 of the VAN 1 as long as it does not occur.

5, the card terminal 100 transmits the approval request message to the first payment agent server 200 (step S501), and then transmits a response message from the first payment agent server 200 for a certain period of time Or if the approval result telegram is not received, it is confirmed that a communication failure has occurred (step S502).

In this case, the card terminal 100 requests the second download server 211 to download information for performing card settlement through the second settlement proxy server 210 (step S503).

For example, the information requesting download to the second download server 211 includes data for the operation of the second settlement module 131, more specifically, the address of the second settlement proxy server 210, The second download server 210 can request information on the communication professional format and the encryption method (or encryption key) of the vans VAN2 operating the second payment agent server 210. [

The memory 140 of the card terminal 100 stores the address of the first payment agent server 200, the professional format information of the VAN1, and the encryption information as information for performing settlement through the VAN1 which is the main VAN, information on the VAN 2, which is the sub-VAN, may be stored only in the address of the second download server 211.

Accordingly, when the communication with the first payment agent server 200 fails, the card terminal 100 accesses the second download server 211 with the address information stored in the memory 140, (Step S504). In step S504, the second settlement proxy server 210 receives data necessary for transmitting the approval request message to the second settlement proxy server 210 using the request message 131.

In step S503, the card terminal 100 transmits identification information (hereinafter referred to as VAN identification information) to the first payment agent server 200 or the vans 1 (VAN1) And the second download server 211 may confirm the received VAN identification information and transmit the requested data to the card terminal 100. [

For example, the VAN 1 operating the first settlement agent server 200 may establish a partnership with the VAN 2 operating the second settlement agent server 210 as a sub-van for settlement in the event of a communication failure And the second download server 211 can confirm whether or not it is in an affiliation relationship with the main vans of the card terminal 100 using the received VAN identification information.

After the necessary data downloading process for the sub-van of the card terminal 100 is completed, the card terminal 100 generates the approval request telegram according to the professional format of the VAN 2 through the second payment module 131, To the settlement proxy server 210 (step S505).

In step S505, the card terminal 100 transmits identification information (hereinafter referred to as VAN identification information) to the first payment agent server 200 or the vans VAN1 operating the payment agent server 200 together with the transmission of the approval request message To the second settlement proxy server 210, and the VAN identification information, which is the transmitted payment agency identification information, can be used for checking, charging, canceling or settlement of the payment in the future.

The second settlement proxy server 210 transmits the approval request telegram to the card company server 300 in step S506. After the card issuer server 300 receives approval for the corresponding card payment, To the proxy server 210 (S507).

Then, the second settlement proxy server 210 transmits the approval result telegram to the card terminal 100 of the corresponding merchant (Step S508), and the card terminal 100 confirms that the approval result telegram has been normally received ACK message to the second payment agent server 210 (S509).

Upon receiving the acknowledgment message, the second payment agent server 210 transmits a completion message to the card terminal 100 indicating that the acknowledgment message is normally received in step S510.

According to another embodiment of the present invention, the memory 140 of the card terminal 100 stores the address of the first payment agent server 200 as the information for performing settlement via the VAN 1 which is the main VAN, And the encryption information, as well as the address of the second settlement proxy server 210, the professional format information of the VAN2, and the encryption information as information for performing settlement through the VAN2 which is a sub VAN.

In this case, as shown in FIG. 6, the card terminal 100 transmits the approval request message to the first payment agent server 200 (Step S601). If the communication failure is confirmed (Step S602) 2 payment module 131 to generate or convert an approval request message in accordance with the professional format of the sub-vane VAN2 and transmit the approval request message to the second payment agent server 210. [

FIG. 7 is a flowchart illustrating an exemplary method of transmitting an approval request message to the second settlement proxy server 210 in the case of a communication failure with the first settlement proxy server 200. In the method shown in FIG. 1 to FIG. Description about the same things as those described with reference to Fig. 6 will be omitted below.

Referring to FIG. 7, the second payment module 131 of the card terminal 100 converts the approval request message transmitted to the first payment agent server 200 into a professional format of the sub-vane VAN2 or a preset common format (Step S700).

The common professional format may represent a professional format that is settable between the main vans VAN1 and the sub-vans VAN2 (or a plurality of vans including them), and may conform to a negotiated protocol for use in case of communication failure.

Thereafter, the second payment module 131 encrypts the converted approval request message with the common encryption method (step S710), and the communication unit 110 transmits the encrypted approval request message to the second payment agent server 210 (S720).

The common encryption scheme may indicate an encryption scheme set to be decryptable between the main vane VAN1 and the sub-vane VAN2 (or a plurality of vans including the sub-vans), or may be an encryption scheme negotiated for use in a communication failure.

According to another embodiment of the present invention, the approval result message received from the second settlement proxy server 210 in step S508 shown in FIG. 5 or step S605 shown in FIG. 6 is transmitted to the first and second payment modules 130 , 131), and is converted according to a communication professional format with the first settlement proxy server (200), and the converted approval result confidential message is transmitted to the first settlement agency server (200) after the communication failure with the first settlement agency server And transmitted to the server 200.

FIG. 8 is a flowchart illustrating an embodiment of a method for transferring the approval result received from the second settlement proxy server 210 to the first settlement proxy server 200 after the communication failure is canceled.

8, when the approval result telegram is received from the second payment agent server 210 in step S800, the second payment module 131 of the card terminal 100 decrypts the received approval result telegram, (Step S810).

For example, the second settlement module 131 may decrypt the approval result message received from the second settlement proxy server 210 according to the common encryption method as described above.

When the communication failure with the first settlement proxy server 200 is released in step S820, the first settlement module 130 converts the approval result text stored in the memory 140 according to the professional format of the main vans VAN1d (Step S830), and the communication unit 110 transmits the re-encrypted approval result to the first payment agent server 200 (step S840).

After the recovery of the communication failure as described above, the approval result message transmitted to the first settlement proxy server 200 can be used for checking, requesting, canceling or adjusting settlement of the settlement through the main vans VAN1.

According to an embodiment of the present invention, when the card settlement is processed through the second settlement proxy server 210 according to the communication failure with the first settlement proxy server 200, 2 payment acceptance server 210 to the first settlement proxy server 200 so that a billing, cancellation, history inquiry, settlement, or the like is performed after payment approval regardless of whether or not a communication failure occurs 1 settlement agent server 200 according to an embodiment of the present invention.

The first settlement proxy server 200, which receives the approval request telegram from the card terminal 100 in a normal communication state and processes payment, is called a main settlement proxy server, and when a communication failure occurs with the main settlement proxy server The second payment agent server 210 that receives the approval request telegram from the card terminal 100 and processes payment may be referred to as a sub payment agent server.

Hereinafter, with reference to FIGs. 9 to 16, an operation of the card settlement system according to an embodiment of the present invention will be described.

9 is a block diagram showing the configuration of the card settlement system according to the second embodiment of the present invention. The description of the configuration and operation of the card settlement system shown in Fig. It will be omitted.

Referring to FIG. 9, when a communication failure occurs between the card terminal 100 and the first payment agent server 200, which is the main payment agent server, the card terminal 100 transmits an approval request to the second payment agent server 210, You can send a message to be processed.

In this case, the second settlement proxy server 210 transmits the approval request telegram to the card company server 300, receives the approval result for the card payment from the card company server 300, and transmits the approval result to the card terminal 100 .

On the other hand, the second settlement proxy server 210 transmits settlement approval information, which is at least a part of the approval result received from the card issuer server 300 or the information included in the approval result specialization, to the first settlement agency server 200).

The settlement approval information transmitted to the first settlement proxy server 200 is transmitted to the first settlement proxy server 200, which is the main settlement proxy server, in response to the request for billing, cancellation, And may be used to perform various operations after payment approval such as settlement.

For this purpose, the payment approval information transmitted from the second settlement proxy server 210 may be stored and managed in the first settlement proxy server 200 or in a database (DB, DataBase) connected thereto.

According to another embodiment of the present invention, as shown in FIG. 10, a second settlement proxy server 210, which is a sub settlement proxy server in accordance with a communication failure of the first settlement proxy server 200 that is the main settlement proxy server, The second settlement proxy server 210 transmits settlement approval information, which is at least a part of the approval result received from the card issuer server 300 or the information included in the approval result special, to the separate settlement system 400, And the payment approval information may be transmitted to the first payment agent server 200, which is the main payment agent server.

For example, the settlement system 400 may transmit settlement approval information processed through the second settlement proxy server 210, which is a sub-settlement proxy server, according to the occurrence of a communication failure between the card terminal 100 and the main settlement proxy server, 2 settlement server 210 and may transmit the stored payment approval information to the first settlement proxy server 200 which is the main settlement proxy server after the communication failure is canceled.

The settlement system 400 not only transmits the settlement approval information to the first settlement proxy server 200 in the case of a communication failure transmitted from the second settlement proxy server 210 but also sets settlement agency commission between settlement proxy servers And provide the commission information settled to each settlement proxy server.

For example, the transaction fee for the card settlement processed through the second settlement proxy server 200, which is a sub-settlement proxy server in accordance with the communication failure, may be the same as the main brokerage VAN1 operating the first settlement proxy server 200 (VAN2) operating the second settlement proxy server 210 according to a preset allocation ratio, and the distribution and settlement work for the settlement agency commission can be performed through the settlement system 400 have.

For this purpose, the payment approval information transmitted from the second settlement proxy server 210 can be stored and managed in the settlement system 400 or in a database (DB) connected thereto.

FIG. 11 is a block diagram illustrating a configuration of a settlement proxy server according to an embodiment of the present invention. The settlement proxy server 200 includes a communication unit 201, a settlement processing unit 202, and a database (DB) As shown in FIG. The configuration and operation of the settlement proxy server 200 shown in FIG. 11 will be omitted from the following description with reference to FIG. 1 through FIG. 10.

11, the communication unit 201 of the payment agent server 200 is connected to the card terminal 100, the card issuer server 300 and another payment agent server through a wire / wireless network, It is possible to transmit and receive information necessary for settlement processing.

On the other hand, the settlement processing unit 201 plays a role of causing the card issuer server 300 to process the card payment requested by the card terminal 100, using the settlement related specialty or information transmitted and received through the communication unit 201 .

The plurality of settlement proxy servers 200 to 206 described with reference to FIG. 1 to FIG. 10 may have a configuration as shown in FIG. 11, respectively. Hereinafter, a main settlement proxy server The configuration and operation of the second settlement proxy server 210, which is a settlement proxy server, will be described.

When the communication between the card terminal 100 and the first payment agent server 200 that is the main payment agent server 200 fails, the communication unit 201 of the second payment agent server 210 transmits the card terminal 100 And transmits the approval result message received from the card issuer server 300 to the card terminal 100 in response to the approval request telegram.

On the other hand, the authorization result message received from the card issuer server 300 may be stored in the DB 203 together with other payment approval information.

The settlement processing unit 202 can process the settlement approval information included in the approval result telegram received from the card issuer server 300 to be transmitted to the first settlement proxy server 200 which is the main settlement agency through the communication unit.

12 is a flowchart illustrating a payment information processing method of a payment agent server according to an exemplary embodiment of the present invention. Referring to FIG. 12, the payment information processing method illustrated in FIG. 11 is an embodiment of a payment agent server shown in FIG. Will be described in conjunction with block diagrams.

12, the communication unit 201 of the second settlement proxy server 210 receives a credit card payment request from the card terminal 100 when a communication failure occurs in the first settlement proxy server 200 which is the main settlement proxy server The approval request telegram is received (S1200), and the received approval request telegram is transmitted to the card company server 300 (S1210).

In step S1200, address information on the first settlement proxy server 200, which is the main settlement proxy server, or identification information on the vans VAN1 operating on the main settlement proxy server may be included in the approval request message, May be received from the card terminal 100 to the second payment agent server 210.

In this case, in step S1210, the address information of the first settlement proxy server 200, which is the main settlement proxy server, or the identification information of the vans VAN1 operating the main settlement proxy server, Or may be transmitted from the second payment agent server 210 to the card issuer server 300. [

As described above, the main payment agency server address or the main van (VAN1) identification information included in the approval request telegram may be used to allow the payment approval information to be transmitted to the first payment agent server 200, which is the main payment agent server have.

Thereafter, the communication unit 201 receives the approval result telegram transmitted from the card issuer server 300 in response to the approval request telegram (S1220), and transmits the received approval result telegram to the card terminal 100 (S1230 step).

The communication unit 201 transmits the payment approval information included in the approval result message received from the card issuer server 300 to the first settlement proxy server 200 or the settlement system 400 as the main settlement agency server S1240).

The settlement approval information transmitted to the first settlement proxy server 200 may be stored in the first settlement proxy server 200 or in the settlement approval history database DB connected thereto.

The billing proxy server according to an embodiment of the present invention generates billing data including billing details for each merchant by referring to the billing approval history database and transmits the billing data to the card company server 300 to charge the card payment Can be performed.

In this case, the first settlement proxy server 200, which is the main settlement proxy server, notifies the settlement approval that has not been directly processed in accordance with the communication failure even when the communication failure from the second settlement proxy server 210, The user can directly proceed to charge the payment using the payment approval information of the user.

The first settlement proxy server 200 also transmits the settlement approval that has not been directly processed in accordance with the communication failure by using the settlement approval information at the time of the communication failure transmitted from the second settlement proxy server 210 to the card terminal 100 The user can directly process the cancellation or payment history inquiry requested by the user.

The settlement approval information may also be used to settle settlement agency commissions between the main vans VAN1 and the sub-vans VAN2 for settlements processed through the sub-settlement agency server in accordance with the communication failure.

FIG. 13 is a block diagram for explaining an operation of the card settlement system according to the present invention after payment is approved.

According to the embodiment of the present invention, as shown in FIG. 13, the card terminal 100 of the merchant can make a charge, cancel , History inquiry or settlement can be performed through the first settlement proxy server 200 which is the main settlement proxy server.

That is, the card terminal 100 notifies the settlement of the settlement approved through the second settlement proxy server 210 which is a sub-settlement proxy server due to a communication failure in the first settlement proxy server 200, which is the main settlement proxy server, The user can cancel or check the details of the settlement through the first settlement agency server 200 without having to request the second settlement agency server 210 for cancellation or history inquiry.

The first billing agency server 200, which is the main settlement agency server, also generates billing data for the settlement approved by the second settlement agency server 210 and transmits the billing data for the settlement to the card issuer server 300 .

FIG. 14 is a timing chart for explaining a billing method for a settlement process in case of a communication failure in the card settlement system according to an embodiment of the present invention. FIG. 14 is a timing diagram of the method illustrated in FIG. 14 The same description will be omitted below.

14, the card terminal 100 transmits the approval request message to the first payment agent server 200, which is the main payment agent server (step S1401). When the communication failure is confirmed (step S1402) In step S1403, the approval request specialist is generated or converted according to the professional format of the VAN2, and is transmitted to the second settlement proxy server 210, which is a sub payment proxy server.

The second settlement proxy server 210 transmits the approval request telegram to the card company server 300 in step S1404. After the card issuer server 300 receives approval for the corresponding card payment, To the proxy server 210 (step S1405).

Then, the second settlement proxy server 210 transmits the full text of the approval result to the card terminal 100 of the corresponding merchant (step S1406), and the card terminal 100 confirms the normal reception of the approval result ACK message to the second payment agent server 210 (step S1407).

Upon receiving the acknowledgment message, the second payment agent server 210 transmits a completion message indicating that the acknowledgment message is normally received to the card terminal 100 in step S1408.

Thereafter, the second settlement proxy server 210 sets settlement approval information (for example, a merchant name, a settlement amount, and payment card information) that is at least a part necessary for billing or cancellation of the settlement, To the system 400 (step S1409).

The settlement system 400 stores the settlement approval information transmitted from the second settlement proxy server 210 in the database. After the settlement system 400 confirms that the communication failure of the first settlement proxy server 200 is released, Information to the first payment agent server 200 (step S1410).

The first settlement proxy server 200 stores the settlement approval information received from the settlement system 400 in the database and generates billing data using the settlement approval information at a predetermined time point and transmits the billing data to the card issuer server 300 The billing operation for the payment is performed (step S1411).

For example, the first settlement proxy server 200 may generate billing data once a day and transmit the billing data to the credit card company server 300. In this case, In addition, the second payment agent server 210, which is a sub-payment agent server according to a communication failure, can be charged for payment performed simultaneously.

15, the first settlement proxy server 200 stores the settlement approval information received from the settlement system 400 in the database. If the cancellation of the settlement is requested from the card terminal 100 In step S1511, after confirming the stored payment approval information, the card company server 300 requests cancellation of the payment in step S1512.

Thereafter, the first payment agent server 200 receives the result of the payment cancellation request from the card company server 300 (step S1513), and transmits the payment cancellation result to the card terminal 100 (step S1514) .

FIG. 16 illustrates an embodiment of a user interface (UI) for managing payment details in a card terminal.

Referring to FIG. 16, a card terminal 100 of a merchant, for example, a POS terminal, may provide a payment management system for managing payment details performed through the payment agent server 200.

For example, the card terminal 100 accesses the first payment agent server 200, which is the main payment agent server, and receives information on the payment details previously processed. The payment information 152 Can be displayed on the screen 151.

On the other hand, the settlement details 152 displayed on the screen include not only the settlements processed through the first settlement agency server 200 but also the settlement transactions 152 through the second settlement agency server 210 of the sub- Payment history may also be displayed together.

In addition, the card terminal 100 can be requested by the user to cancel the specific payment out of the payment details 152 using the "cancel" button on the screen 151, In addition to the settlements, the cancellation of the settlement processed through the second settlement proxy server 210 of the sub-VAN 2 according to the communication failure may also be possible on the screen 151 shown in FIG.

The above-described payment information processing method according to the present invention may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM, a RAM, a CD-ROM , A magnetic tape, a floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

Claims (23)

A payment agent server for processing payment by being connected to a card terminal and a card company server,
When the communication between the card terminal and the main (main) payment proxy server occurs, receives an approval request telegram for payment of a card from the card terminal, and receives a special approval result received from the card issuer server in response to the approval request telegram A communication unit for transmitting to the card terminal; And
And a payment processor for processing the payment approval information included in the approval result telegram received from the card issuer server to be transmitted to the main payment agent server through the communication unit. 2. The method of claim 1,
The address information of the main settlement service server and the identification information of a vane company operating the main settlement service server. The communication device according to claim 2,
And transmits the payment approval information to the main payment agent server using the server address information or the subscriber identification information received together with the approval request telegram. The communication device according to claim 1,
And transmits the settlement approval information to the settlement system connected to the main settlement agency server. The method according to claim 1,
And a payment agent server used by the main payment agent server to proceed to charge the payment to the credit card company server. The method according to claim 1,
And a settlement server used to process a payment cancel requested from the card terminal to the main settlement agency server. The method according to claim 1,
And a payment transaction inquiry requesting from the card terminal to the main payment agent server. The method according to claim 1,
And a settlement agent server used for settlement of settlement agency commission with the main settlement agency server. The communication device according to claim 1,
And transmits the approval request telegram to the card issuer server together with at least one of address information on the main payment agency server and identification information on a van that operates the main payment agent server. A settlement system for processing settlement related information between a plurality of settlement agencies connected to a card terminal and a card issuer server for processing settlement,
Receiving a settlement approval information processed through a sub settlement proxy server according to the occurrence of a communication failure between the card terminal and the main settlement proxy server from the sub settlement proxy server and storing the settlement approval information, Information to the main payment agent server. 11. The method according to claim 10, wherein the payment approval information
Wherein the main settlement agency server receives from the sub-settlement agency server at least one of address information on the main settlement agency server and identification information on a vane company operating the main settlement agency server. 11. The method according to claim 10, wherein the payment approval information
Wherein the settlement system is used for making a request for the settlement from the main settlement agency server to the credit card company server. 11. The method according to claim 10, wherein the payment approval information
And a settlement cancellation or settlement history inquiry requested from the card terminal to the main settlement agency server. 11. The method of claim 10,
And a settlement agency commission is settled between the main settlement agency server and the sub-settlement agency server. A card terminal for processing a payment through communication with a payment agency server connected to a card issuer server,
A first payment module for generating an approval request message for card settlement in accordance with a communication professional format with the first settlement agency server;
A second payment module for generating the approval request telegram in accordance with a communication professional format with the second payment proxy server;
A communication unit for transmitting the generated approval request message to at least one of the first and second payment agent servers; And
Wherein the second payment module transmits the approval request message generated by the first payment module to the first payment agent server through the communication unit, and when a failure occurs in communication with the first payment agent server, And a controller for transmitting the request telegram to the second settlement proxy server through the communication unit,
Wherein the payment approval information processed by the payment agent server is requested by the first payment agent server and the cancel or history inquiry about the payment approval processed through the second payment agent server is requested, To the main settlement agency server. 16. The communication device according to claim 15,
And transmits the approval request message to the second payment agent server together with at least one of the address information of the first settlement agency server and the identification information of the van (VAN) operating the first settlement agent server . A method for processing payment information in a payment agent server for processing a payment in connection with a card terminal and a card company server,
Receiving an approval request message for card settlement from the card terminal when a failure occurs in communication between the card terminal and the main (main) payment proxy server;
Transmitting the received approval request message to a card company server;
Receiving an approval result message transmitted from the card issuer server in response to the approval request telegram;
Transmitting the received approval result telegram to the card terminal; And
And transmitting payment approval information included in the received approval result telegram to the main settlement agency server or the settlement system connected to the main settlement agent server. 18. The method of claim 17,
Further comprising receiving from the card terminal at least one of address information for a main settlement agency server and identification information for a vane company operating the main settlement agent server,
And the settlement approval information is transmitted to the main settlement agency using the received server address information or vans identification information. 18. The method according to claim 17,
Wherein the payment information processing method is used to proceed from the main payment agent server to the card issuer server to charge the payment. 18. The method according to claim 17,
And a settlement cancellation or settlement history inquiry requested from the card terminal to the main settlement agency server. 18. The method according to claim 17,
And a settlement agent processing fee to be used for settlement of settlement agency commission with the main settlement agency server. 18. The method of claim 17,
Further comprising the step of transmitting at least one of address information on the main settlement agency server and identification information on the vans operating the main settlement agency server to the card issuer server. 22. A recording medium on which a program for causing a computer to execute the method of any one of claims 17 to 22 is recorded.

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