KR20170102155A - Method for Operating Card Payment at Financial Sector Offline Affiliated Store by Non-financial Sector Alliance Company's Cash System - Google Patents

Abstract

The present invention relates to a method executed through a server linked with a cash system of a non-financial affiliated company, using cash filled in a customer cash account to independently process a payment. According to the present invention, the method comprises: a first step of registering card information of a real card provided to a customer of an affiliated company from a card company to link the card information with cash account information corresponding to a customer cash account of the customer operated by the cash system of the affiliated company so as to store the card information in a payment management database; a second step of updating balance information of the customer cash account stored in the payment management database; a third step of confirming payment approval request information corresponding to a message transmitted for a payment approval request from a member store terminal; a fourth step of reading card information stored in the payment approval request information to check whether or not the card information is the card information of the real card linked with the cash account information of the customer; a fifth step of determining payment approval for a payment amount included in the payment approval request information through the updated balance information of the customer cash account when the card information is the card information of the real card linked with the cash account information of the customer; and a sixth step of deducting a payment approved amount from the balance information of the customer cash account to change the balance information, transferring payment approval result information to the member store terminal through a predetermined path, and then generating payment sync information to synchronize the changed balance information as the balance of the customer cash account so as to provide the generated information to the cash system of the affiliated company.

Description

[0001] The present invention relates to a credit card payment method for an offline merchant using a cash system of a non-financial affiliate,

The present invention is implemented through a server associated with a cache system of a non-financial affiliate that opens and operates a customer cache account for managing a cache charged by a customer and processes the self-settlement using the cache filled in the customer cache account The method comprising the steps of: registering card information of a physical card provided by a credit card company to a specific customer of an affiliate company in association with cache account information corresponding to a customer cache account of the specific customer operated in the cache system of the affiliate; D / B, receives the balance information of the customer's cache account of the specific customer from the cache system of the affiliate, stores it in the settlement management D / B in association with the cache account information of the specific customer, Within a certain time after the balance of the customer cache account is changed, The balance information of the customer cache account stored in the payment management D / B is updated, and the balance information of the customer cache account stored in the payment management D / B is transmitted to the merchant terminal provided in the offline merchant Confirms the settlement approval request information corresponding to the specialization through the designated route, reads out the card information included in the payment approval request information and confirms that it is the card information of the real card associated with the cache account information of the specific customer, If the card information of the request information is the card information of the physical card associated with the cache account information of the specific customer, the payment information is included in the payment approval request information through the balance information of the customer cache account recently stored or updated in the payment management D / The settlement approval process is performed to determine the settlement approval for the settlement amount, and when the settlement is approved, the customer cache account stored in the settlement management D / The balance information is subtracted from the remaining balance information to change the balance information and at the same time the settlement approval result information is transmitted to the merchant terminal through the designated route, The settlement synchronization information for synchronizing the balance information changed in the D / B to the balance of the customer cache account operated in the cache system of the affiliate company, and providing the settlement synchronization information to the cache system of the affiliate company, And a card payment method of an offline merchant.

As the economic activity through online has become common due to the continuous development of information and communication technology, a website requiring an online payment service has a payment payment platform that provides card payment and account transfer, However, the card payment and account transfer payment service includes a problem that a fee of a certain percentage (or a predetermined amount) of the payment amount must be provided to the payment means issuing organization or payment agency.

Accordingly, in the case of some large web sites requiring a large-scale payment service, in addition to the payment platform providing the card settlement and account transfer, a certain amount of money may be charged, And a chargeable payment means for providing services.

Herein, the most general form of the charging type payment means is to deposit the customer's money in the money management account of the web site operating institution established in the financial company, and to deposit the customer's money in the money management account Depositing a cash or a cyber money corresponding to the customer's credit amount in the cash account of the customer name in the amount of money and then providing a payment settlement service in the website through the cash account It is in the form of its own cache system.

However, most of the self-cache systems can not be activated due to restriction of the use object, which is required to use the cache in the self-cache system only in the website, and some loyal customers (or loyal users) that continuously use the web site are excluded And is rarely used.

An object of the present invention is to provide a system and method for managing a customer's cache by using a server connected to a cache system of a non-financial affiliate that opens and operates a customer cache account for managing a cache charged by a customer and processes the self- The card information of the real card provided to the specific customer of the affiliated company by the card company is registered in association with the cache account information corresponding to the customer's cache account of the specific customer operated in the cache system of the affiliate company A payment management D / B, and the balance information of the customer's cache account of the specific customer from the cache system of the affiliate company, and stores it in the billing management D / B in association with the cache account information of the specific customer, Of the partner cache account within a certain period of time after the balance of the customer cache account is changed through the cache system of A second step of receiving balance information of the changed customer cash account from the inside of the city system and updating the balance information of the customer cache account stored in the payment management D / B, and a second step of receiving a payment approval request from the merchant terminal provided in the off- A third step of confirming the settlement approval request information corresponding to the text transmitted in accordance with the procedure specified for the settlement approval request through the designated path, a third step of reading the card information included in the settlement approval request information, If the card information of the payment approval request information is the card information of the physical card linked to the cache account information of the specific customer, Of the payment amount included in the payment approval request information through the balance information of the fifth step And the balance information by subtracting the payment approved amount from the balance information of the customer cache account stored in the payment management D / B at the time of payment approval, and to transmit the payment approval result information to the merchant terminal through the designated route Generates settlement synchronization information for synchronizing the balance information changed in the settlement management D / B with the balance of the customer cache account operated in the cache system of the affiliate by a settlement approval using the real card within a certain period of time, And a sixth step of providing the card as an affiliate's cache system using a cash system of a non-financial affiliate.

A card payment method of a financial institution offline merchant using a cash system of a non-financial affiliate according to the present invention is a method of establishing and operating a customer cash account for managing a cash to be charged by a customer, The method comprising the steps of: registering card information of a physical card provided by a card company to a specific customer of a partner company, and storing the card information of the physical card operated by the affiliate company in the cache system of the non- In a designated payment management D / B in association with cache account information corresponding to a customer's cache account of the customer, and the balance information of the specific customer's cache account from the cache system of the affiliate, And stores it in the billing management D / B in association with the account information, The balance information of the changed customer cache account in the cache system of the affiliate is received within a predetermined time after the balance of the customer cache account is changed through the system, and the balance information of the customer cache account stored in the payment management D / B is updated A third step of confirming settlement approval request information corresponding to the text transmitted in accordance with the procedure specified for the payment approval request from the merchant terminal provided in the offline and offline merchants of the financial region through the designated route, A fourth step of reading the included card information and confirming whether the card information of the real card is associated with the cache account information of the specific customer, Information on the balance of the customer cache account stored or updated in the payment management D / B, A fifth step of determining that the settlement approval for the settlement amount included in the approval request information is determined, and a fifth step of deciding the settlement approval for the settlement amount included in the approval request information, and a balance step of subtracting the settlement approved amount from the customer cache account balance information stored in the settlement management D / And transmits the settlement approval result information to the merchant terminal through the designated route, and transmits the balance information changed in the settlement management D / B by the settlement approval using the real card within a predetermined time to the cache system of the affiliate company And generating payment synchronization information for synchronization with a balance of an internal customer cache account and providing the generated payment synchronization information to the cache system of the affiliate company.

The card payment method of a financial institution offline merchant using a cache system of a non-financial affiliate according to the present invention is characterized in that the offline merchant includes a payment merchant of a financial institution and the affiliate company stores a cache which is not available for settlement of the offline merchant And a non-financial affiliate that operates a self-caching system that charges the customer's cache account and processes the self-settlement.

In a card payment method for a credit card offline merchant using a cache system of a non-financial affiliate according to the present invention, the physical card is associated with at least one financial account of a customer's real account and a customer's virtual account And a card that is linked to a customer cache account in the cache system of the non-financial affiliate.

In a sixth aspect of the present invention, there is provided a card payment method for a credit card offline merchant using a cash system of a non-financial affiliate according to the present invention, wherein, in the sixth step, when payment is approved through the balance of the cache account, To the financial account of the offline merchant through the money management account of the affiliate company opened in the financial company.

In the card settlement method of a banking off-line merchant using a cache system of a non-financial affiliate according to the present invention, the payment synchronization information may be generated by reading the real card from a merchant terminal of an offline merchant, And a flag that identifies that the balance of the customer cache account operated in the cache system is changed or subtracted from the outside of the cache system.

The offline card settlement method using the cache system of the affiliate according to the present invention is implemented by a server connected to a cache system of an affiliate operating a customer cache account, the method comprising the steps of: A first step of registering the card information in association with cache account information corresponding to a customer cache account operated in the cache system of the affiliate and storing the card information in a designated payment management D / The balance information is received and stored in the billing management D / B in connection with the cache account information of the customer, and the balance is changed in the cache system of the affiliate within a certain period of time after the balance of the customer cache account is changed through the cache system of the affiliate And receives the balance information of the customer's cache account to receive the customer information stored in the payment management D / A third step of confirming settlement approval request information corresponding to a message transmitted in accordance with a procedure designated for requesting payment approval from a merchant terminal provided at an offline merchant through a designated route, A fourth step of reading out the card information included in the payment approval request information and confirming whether the card information is the card information associated with the customer cache account, and a fourth step of, if the card information is associated with the customer cache account, The settlement approval processing unit performs processing to determine settlement approval for the settlement amount included in the settlement approval request information through the balance information of the customer cache account, And the payment approval result information is transmitted to the merchant terminal through the designated route at the same time of changing the balance Generating settlement synchronization information for synchronizing the balance of the customer cache account operated in the cache system outside the cache system of the affiliate with the balance information changed and stored in the settlement management D / B, And a fifth step of providing the settlement synchronization information to the cache system, wherein the settlement synchronization information is generated by accepting the payment requested from the merchant terminal of the offline merchant and transmitting the settlement synchronization information to the customer cache account operating in the cache system outside the cache system of the affiliate And a flag for identifying the change or subtraction of the balance.

In the offline card settlement method using the cache system of the affiliate according to the present invention, the off-line merchant may include a payment merchant of the card company, and the affiliate company may operate a self-cache system that is not available for payment of the offline merchant And the partnership of the non-financial sector.

In the offline card settlement method using the cache system of the affiliate according to the present invention, the fourth step reads the BIN of the card information included in the payment approval request information, And confirming whether the card information is associable with the card information.

In the offline card settlement method using the cache system of the affiliate according to the present invention, the fourth step is a step of determining whether the card information included in the payment approval request information is stored in the payment management D / B in association with the cache account information The method comprising the steps of:

The method comprising the steps of: receiving an amount of money corresponding to the settlement amount approved for settlement through the balance of the cash account, To the financial account of the off-line merchant through the financial account of the offline merchant.

The offline merchant payment authorization method synchronized with the affiliate's own cache system according to the present invention is a method executed through a server associated with an affiliate's own cache system for operating a customer's cache account for self- Cache account information corresponding to a customer's cache account operated through a self-cache system, and offline accounts using the balance of the customer's cache account operated by the affiliate company's own cache system, A first step of associating card information corresponding to a card registered for settlement with a specified billing management D / B; and a second step of, among the cache accounts operated through the affiliate company's own cache system, A second step of synchronizing and storing the balance of the cache account linked with the information to the server A third step of confirming settlement approval request information corresponding to the text transmitted by the offline merchant terminal provided in the offline merchant terminal in accordance with the procedure specified for the payment approval request through the designated path, A fourth step of checking whether the card information related to the cash account is read from the affiliated company and checking whether it is card information associated with the cache account operated through the affiliate's own cache system; and if the card information included in the payment approval request information is card information associated with the cache account, And a fifth step of performing a procedure for confirming settlement of settlement corresponding to the settlement approval request information using the balance of the cache account synchronously stored in the server from the affiliate's own cache system, wherein the balance of the synchronized cache account The cash account information used for the payment approval, Providing settlement synchronization information including at least one of card information associated with the account, payment information approved for payment, and merchant information for the offline merchant to the affiliate company's own cache system and requesting synchronization .

The offline merchant payment acceptance method synchronized with the affiliate's own cache system according to the present invention is characterized in that the offline merchant point includes the merchant's payment merchant.

In the offline merchant settlement approval method synchronized with the self-cache system of the affiliate according to the present invention, the affiliate company includes an affiliate of a non financial sector operating a self-caching system for self-settlement.

In the second step, when the balance of the cache account associated with the card information is changed through self-settlement through the affiliate company's own cache system, And synchronizing and storing the changed balance of the cache account.

The second step is to synchronize the balance of the cash account operated by the affiliate company's own cache system with the payment management D / B, synchronized with the affiliate's own cache system according to the present invention, And then storing the data.

The second step is a step of synchronizing the balance of the cache account operated by the affiliate company's own cache system with a synchronization target cache And synchronizing and storing the calculated balance in the account balance.

The method according to the present invention is characterized in that the second step is to synchronize the balance of the cache account operated by the affiliate company's own cache system with a synchronization object cache And synchronizing and storing the calculated balance in the account balance.

In the offline merchant payment approval method synchronized with the affiliate's own cache system according to the present invention, the fourth step may include reading the BIN of the card information included in the payment approval request information and operating the affiliate company's own cache system And checking whether the card information is associable with the cache account being accessed.

In the offline merchant settlement approval method synchronized with the affiliate's own cache system according to the present invention, in the fourth step, the card information included in the payment approval request information is linked with the cache account information to the payment management D / B And confirming whether or not it is stored.

In the offline merchant settlement approval method synchronized with the affiliate's own cache system according to the present invention, the fifth step may include: the cash account information used for the payment approval, the card information associated with the cache account, And storing the payment synchronization information including at least one of the merchandise information, the amount information, and the merchant information on the offline merchant in the designated payment synchronization D / B.

The offline merchant payment approval method synchronized with the affiliate's own cache system according to the present invention is characterized in that when the payment is approved through the balance of the synchronously stored cache account, the cache account information used for the payment approval, And storing the payment synchronization information including at least one of the card information, the payment amount information that has been approved for payment, and the merchant information for the offline merchant in the payment synchronization D / B.

The method further comprises the step of exchanging the settlement amount information into a currency unit of a cache account operated through the self cache system of the affiliate company in the offline merchant settlement approval method synchronized with the affiliate cache system of the present invention .

The method further comprises synchronizing and storing the balance of the changed cache account on the affiliate company's own cache system through the payment synchronization information in the offline merchant payment approval method synchronized with the affiliate's own cache system according to the present invention .

The payment method of an offline merchant payment system synchronized with an affiliate cache system of an affiliate according to the present invention is characterized in that when the settlement is approved through the balance of the cache account, And performing settlement to the financial account of the offline merchant through the money management account.

The offline merchant settlement approval method synchronized with the affiliate's own cache system according to the present invention is characterized in that the settlement amount is changed from a currency unit of a cache account operated through the affiliate's own cache system to a currency unit for offline settlement So as to be able to perform the processing.

The affiliate shop payment acceptance method synchronized with the self-cache system of the non-financial affiliate according to the present invention includes a self-cache of the non-financial affiliate operating the cache account of the customer name that was recharged online on- The method of claim 1, further comprising the steps of: receiving, by the server associated with the system, cache account information of a customer provided in a self-caching system of a non-financial affiliate operated online for online settlement; The merchant number of the offline affiliate merchant that can be paid through the balance of the customer cache account operated through the system and the card registered for offline payment using the balance of the cache account among the cards issued to the customer by the card issuer Card information to be stored in the storage medium A second step of receiving a message from a merchant terminal provided in an offline merchant through a designated route and requesting settlement approval according to a designated professional relay procedure; and a second step of receiving, from the merchant terminal, A third step of checking whether the card information requested to be paid at the offline merchant is card information linked with the cache account by using the card information included in the specialization, Is confirmed to be an offline affiliate merchant through the cash account, and that the card information is associated with the cash account, the settlement approval for payment requested from the offline affiliate merchant using the balance of the cache account The fourth stage of performing the processing procedure In that it comprises the features.

In the fourth step, the settlement amount included in the specialization is exchanged into the cache unit of the cache account, or the cash account of the non-financial affiliate according to the present invention is synchronized with the self- To a real currency unit corresponding to the settlement amount.

In the fourth step, the settlement approval method of the affiliated merchant is synchronized with the self-cache system of the non-financial affiliate according to the present invention, To the financial account of the offline affiliate merchant for which the payment approval is requested.

According to the present invention, it is possible to provide a system and a method for realizing the above-mentioned objects from an offline affiliate merchant through a multi-linked card with a real account of a customer name established in a financial company (or a virtual account using the real account as a parent account) When the card is requested to be charged, the credit card payment is approved within the limit of the cash account balance through a cash management account for managing the cash account by synchronizing the cash account balance with the own cache system of the non-financial affiliate, There is an advantage to extending the use of non-financial partners' own cache systems.

According to the present invention, there is an advantage of activating the payment settlement using the cache account of the self-cache system by extending the use target of the self-cache system of the non-financial affiliate.

According to the present invention, since the self-cache system of the non-financial affiliate is activated through the offline affiliate settlement, the advantage of improving the frequency of the internal transaction for processing the payment through the cache system of the non-financial affiliate itself without a separate fee have.

Fig. 1 is a diagram showing a relationship between a real account of a customer's name (or a virtual account in which the real account is a parent account) according to an embodiment of the present invention and a card associated with a cache account of the customer name provided in a self- FIG. 5 is a diagram illustrating a configuration of an affiliate merchant payment system synchronized with a non-financial affiliate cache system.
2 is a functional block diagram of a merchant terminal having a card settlement function of an affiliate merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
3 is a diagram illustrating a process of operating a merchant terminal for card settlement of an affiliated merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of a professional processing system for providing a card payment function of a merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
5 is a diagram illustrating a special processing procedure for card settlement synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
6 is a diagram illustrating a special processing procedure for card settlement synchronized with a non-financial affiliate cache system according to another embodiment of the present invention.
7 is a diagram illustrating a card payment approval process according to an embodiment of the present invention.
FIG. 8 is a view illustrating a configuration of an affiliated merchant settlement processing system synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
9A and 9B are diagrams illustrating a card settlement process of an affiliated merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
10 is a diagram illustrating a process of synchronizing a settlement amount between a non-financial affiliate cache system and a financial company server according to an embodiment of the present invention.
11 is a diagram illustrating a process of synchronizing a cash balance between a non-financial affiliate cache system and a financial company server according to an embodiment of the present invention.
12 is a diagram illustrating a configuration of an affiliate's own cache system for operating a cache account according to an embodiment of the present invention.
FIG. 13 is a diagram illustrating a process of synchronizing a settlement amount of a non-financial affiliate cash system according to an embodiment of the present invention.
14 is a diagram illustrating a process of synchronizing a balance of cash in a non-financial affiliate cache system according to an embodiment of the present invention.
FIG. 15 is a diagram illustrating a settlement approval system configuration synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
16 is a diagram illustrating a payment approval process synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.
17 is a diagram illustrating a process of synchronizing a settlement amount between a financial company server and a non-financial affiliate cash system according to an embodiment of the present invention.
18 is a diagram illustrating a process of synchronizing a cash balance between a financial company server and a non-financial affiliate cache system 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.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments will appropriately modify, integrate, or separate terms to be understood by those skilled in the art to which the present invention belongs , And the present invention is by no means thereby limited. That is, each means constituting the present invention may be a server (or terminal) provided on the system shown in the following embodiments, or a predetermined function constituent part provided in at least one server (or terminal) Or may be a combination of at least two or more function units included in one or more servers (or terminals). In addition, although the server (or terminal) shown in the following embodiments includes at least two or more functional components for the sake of convenience of the present invention, the functional components shown in the server (or terminal) The present invention can be applied to two or more servers (or terminals) that are matched with the above-described means and are different depending on the role and function of each function configuration unit and the operator (or operating agency) of the server (or terminal) No.

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.

1 is a diagram showing a relationship between a real account of a customer's name (or a virtual account in which the real account is a parent account) according to an embodiment of the present invention and a card associated with a cache account of the customer name provided in a self- FIG. 5 is a diagram illustrating a configuration of an affiliate merchant payment system synchronized with a non-financial affiliate cache system.

In more detail, FIG. 1 shows a case where a card issued in connection with a real account of a customer's name (or a virtual account for which the real account is a parent account) from a financial company (or a credit card company) (Or a virtual account in which the real account is a parent account) and a card that is linked to the cash account in a multi-linked manner to the customer, When an offline merchant affiliated with an affiliated merchant requests a card settlement through a customer card, it is confirmed whether the customer card is a multi-linked card with the non-financial affiliate cache system, and if the multi- Card issuer) in the cash account limit through a cash management account for managing the cash account in the cash account limit (Or a credit card company) and a cash account balance of the non-financial affiliate cash system when the card settlement is approved. The present invention relates to a system configuration for synchronizing a cash account balance of the financial institution Those skilled in the art will be able to conceive of various implementations of the merchant payment system configuration synchronized with the non-financial affiliate cache system by referring to and / or modifying FIG. 1, And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 1, an affiliate merchant payment system synchronized with the non-financial affiliate cache system includes a settlement system for paying a payment through the real account (or a virtual account using the real account as a parent account) (Or a virtual account for which the real account is a parent account) and the cache account of the customer name provided in the self-cache system of the non-financial affiliate, the merchant terminal 125 provided in the affiliated merchant affiliated to the merchant A relay server 110 for synchronizing a card settlement of an offline affiliate merchant through a plurality of cards associated with a plurality of cards, and a real account (or a virtual account using the real account as a parent account) of the customer name, A financial company server 115 for opening and operating a cash management account of the non-financial affiliate managing the cash account of the name of the customer, And a cache account management server 120 of a non-financial affiliate's own cache system for establishing and operating the merchant terminal 125. The merchant terminal 125 communicates with the merchant terminal 125 and the relay server 125, And a subscriber server (100) for processing specialized relay between the subscriber terminals (110).

In addition, the affiliated merchant payment system synchronized with the non-financial affiliate cache system may further include a card issuer server 105 that processes the card settlement request when the merchant terminal 125 requests the general card payment The bank server 100 processes professional relay between the merchant terminal 125 and the card issuer server 105. [

The merchant terminal 125 includes at least one of a Credit Authorization Terminal (CAT) provided at the merchant or a POS (Point Of Sales) terminal having a payment function.

The subscriber server 100 may be a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a Code Division Multiple Access (WCDMA) Based communication network, an encryption / decryption processing unit, an encryption / decryption unit, and the like, through a public communication network including at least one of a mobile communication network, (105) and the credit card company server (105) by connecting a communication channel with a card issuer server (105) corresponding to the card information through a dedicated communication network including at least one decryption - based communication network .

According to an embodiment of the present invention, the subscriber server 100 may include a TCP / IP (Transmission Control Protocol / Internet Protocol) -based communication network or a dedicated communication network A card corresponding to the card information included in the payment approval request telegram received from the merchant terminal 125 and connected to the relay server 110 via the communication network, When the cashier is identified as a card associated with the cash account of the customer name provided in the own cache system of the non-financial affiliate, the affiliate card information, the payment amount information, and the merchant number And transmits the payment approval request information including at least one piece of information to the relay server 110. [

When the payment approval request telegram is received from the merchant terminal 125, the bank server 100 transmits the card information included in the payment approval request telegram to the real account of the customer name established in the financial institution (or the real account to the parent account And confirms whether it corresponds to a check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate.

If the card corresponding to the card information included in the payment approval request telegram is identified as the credit card information or the check card associated only with the actual account of the customer name opened in the financial region, (Or the bank server 115) to which the payment approval request message is to be relayed, by reading the BIN (Bank Identification Number) included in the card information, and then checking the card issuer server 105 And transmits the payment approval request message to the relay device.

On the other hand, a card corresponding to the card information included in the payment approval request telegram is associated with a real account of a customer name (or a virtual account that uses the real account as a parent account) opened in the financial sector, The subscriber server 100 transmits the payment approval request information including at least one of the affiliate card information, the payment amount information, and the merchant number information to the relay server 100 To the server (110).

The card issuer server 105 issues a card corresponding to the card information contained in the payment approval request telegram and transmits the card approval information to the card based on the card information included in the payment approval request telegram received from the broadcast server 100 And confirms the settlement of the settlement amount through the settlement limit amount.

The financial company server 115 is a server provided in a financial company that opens and operates a money management account of a non-financial affiliate managing a cash account, and receives card information, payment amount information, and merchant number information from the relay server 110 , The cash account information and the cash account balance associated with the card information are confirmed and the settlement approval or disapproval of the settlement amount is determined through the fund management account within the limit of the cache account balance .

Alternatively, the financial company server 115 is a server provided in a financial institution that operates a real account linked with the card information (or a virtual account that uses the real account as a parent account), and receives, from the relay server 110, When the payment approval request information including the money amount information and the merchant number information is received, the real account linked with the card information (or the virtual account having the real account as the parent account) is confirmed, and the confirmed real account A virtual account for which the account is the parent account) and the payment amount information to determine whether to approve the payment for the payment amount.

When the settlement approval for the settlement amount is processed, the financial company server 115 generates a settlement processing history (or settlement approval result information including the settlement processing details) and transmits it to the relay server 110 .

In the present invention, the financial company server 115 is a generic name of servers provided on the financial institution side for payment approval processing and synchronization processing for the payment approval request information, and the server owner (or operator) does not necessarily have to be a financial company , It is evident that the present invention is not limited thereto.

The cash account operating server 120 is provided in the own cache system of the non-financial affiliate and operates a cache account of a customer name associated with the card information, And the remaining balance and the cash account balance of the financial company server (115).

The relay server 110 receives the payment approval request information including the card information, the payment amount information, and the merchant point number information from the subscriber server 100, and transmits the payment approval request information to the merchant, And transmits the payment approval request information to the financial company server 115. The financial company server 115 transmits the payment approval request information to the financial company server 115 through a cash management account for managing the cash account, The cash account balance of the financial company server 115 and the cash account balance of the cash account operating server 120 are synchronized when the settlement is approved within the account limit.

2 is a functional block diagram of a merchant terminal 125 having a card settlement function of an affiliate merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a non-financial institution for a card settlement service of an affiliate merchant synchronized with a non-financial affiliate cache system to an affiliate terminal 125 including at least one credit authorization terminal (CAT) and a point- The present invention relates to a method of configuring a function of a merchant terminal 125 having a card payment function of an affiliated merchant that is synchronized with an affiliate cache system. As a person skilled in the art, (For example, some of the constituent parts are omitted or subdivided, or part of the function of the merchant terminal 125 having the card settlement function of the affiliated merchant is synchronized with the non-financial affiliate cache system) It will be understood that the invention may be practiced otherwise than as specifically described herein, Said, only by the embodiment method shown in the figure 2 is not limited that technical feature.

Referring to FIG. 2, the merchant terminal 125 having the card settlement function of an affiliated merchant synchronized with the non-financial affiliate cache system basically includes a control unit 200, a memory unit 245, a card reader unit 205, A power supply unit 220 for supplying power to the key input unit 215, the screen output unit 210, the communication processing unit 225, the security application module 230, the print output unit 235 and the merchant terminal 125 And at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 200 controls the overall operation of the franchise terminal 125 in terms of function and manages the flow of information (or data) between the respective components, And at least one component included in the merchant terminal 125 is interlocked and controlled for the function of the merchant terminal 125. The at least one or more components including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) And a bus (BUS) for inputting and outputting data. The program is characterized in that the function unique to the merchant terminal 125 and the function of the non-financial affiliate (E.g., memory unit 245) to perform a card settlement function of an affiliate merchant that is synchronized with the cache system (I.e., a card payment function of an affiliated merchant that is synchronized with the non-financial affiliate cache system), including one or more program routines and / or program data that are loaded into the execution memory and processed by the processor For the card payment function of the affiliated merchant that is synchronized with the program stored in the recording medium provided in the merchant terminal 125 or the function configuration provided in the merchant terminal 125, And the processable components are shown as being provided in the control unit 200).

The control unit 200 may control the components (e.g., the memory unit 245, the card reader unit 205, the key input unit 215, and the screen output unit) provided in the merchant terminal 125 The security application module 230 and the print output unit 235 or one or more additional terminal functional units (not shown) according to the intention of those skilled in the art) The system may control the components provided in the merchant terminal 125 for the card settlement function of the affiliated merchant that is synchronized with the non-financial affiliate cache system, or may control the components installed in the affiliated merchant terminal It is preferable to execute a program recorded on the recording medium provided in the merchant terminal 125 for the function.

The memory unit 245 stores the program routine (or code) for controlling the overall operation of the merchant terminal 125 and the program data (for example, information input / output when the operation is performed by the program routine Volatile memory for storing at least one nonvolatile memory for storing at least one nonvolatile memory such as an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and a hard disk drive (HDD) And a program routine and program data (for example, system program routines and system parameters) required to perform a control function of the controller 200 are stored. The non-financial affiliate cache system, Program routines and program data used for the card payment function of affiliated merchants that are synchronized And it characterized in that.

According to the embodiment of the present invention, the memory unit 245 may store the card payment service of the affiliated merchant that is synchronized with the non-financial affiliate cache system defined in the merchant terminal 125, It is desirable to store the number information.

According to an embodiment of the present invention, the franchise number information preferably includes a unique franchise number (or code) assigned to the franchisee by a van (or credit card company) for card settlement, It is possible to check the merchant account information corresponding to the merchant number information from any one of the server 100, the card issuer server 105, the relay server 110 and the cache account operating server 120 via the request specialist It is possible.

According to another embodiment of the present invention, the merchant number information may include the merchant account information, so that the present invention is not limited thereto.

A customer who is provided with a card settlement service of an affiliated merchant that is synchronized with the non-financial affiliate cache system through the merchant terminal 125 may use an MS (Magnetic Stripe) card or an ISO / IEC 7816 standard (Or possesses) a customer card including at least one contact IC card (or wireless IC chip) based on the ISO / IEC 14443 standard or a contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard, The card reader unit 205 provides an interface for reading the card information provided in the customer card.

According to an embodiment of the present invention, the card reader unit 205 includes an MS reader unit for providing an interface between the MS card and the merchant terminal 125, an interface between the contact IC card and the merchant terminal 125 And a contactless IC reader unit for providing an interface between the contactless IC card and the merchant terminal 125. The noncontact IC reader unit includes a contactless IC reader unit,

The MS reader unit is a card reader unit 205 based on ISO / IEC 7810, and includes at least one magnetic head including a coil. The MS reader unit reads predetermined binary data (e.g., (Or the magnetic head moves in close contact with the MS card on which the binary data is recorded) in a state in which the MS card on which the binary data is recorded is moved in a predetermined direction in close contact with the magnetic head And uses the loaded electrical signal to interface the binary data corresponding to the card information from the at least one track (Track) provided in the MS of the MS card to the merchant terminal (125).

The contact type IC reader unit includes a card reader unit 205 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with the COB (Chip On Board) provided in the contact type IC card And supplies power to the IC chip of the IC card through the contact point and corresponds to the card information from the IC chip through the half duplex communication interface through an APDU (Application Protocol Data Unit) (Or processing) data from the IC chip to the merchant terminal (125).

The noncontact IC reader unit is a card reader unit 205 based on ISO / IEC 14443. The card reader unit 205 includes at least one or more noncontact IC cards, which make electrical contact with a contactless IC card using capacitive coupling or inductive coupling. And an IC chip that supplies power to the IC chip of the IC card through the antenna and receives the IC chip corresponding to the card information from the IC chip through the half duplex communication interface using the APDU, And stores (or processes) the data to the merchant terminal 125.

According to an embodiment of the present invention, the card reader unit 205 may be connected to the non-financial affiliate cache system defined in the merchant terminal 125 through the card reader unit 205 (For example, credit card information provided on the card, check card information, debit card information, cash card information, payment means information including one or more financial account information) from the customer card desirable.

The key input unit 215 is input from a key input device having a key button including at least one number key, a character key, and a function key, (Or signals) from the key buttons provided in the key input device in a specific input mode or operation mode of the merchant terminal 125 controlled by the controller 200 The control unit 200 generates a key event corresponding to the input information (or signal), and provides the generated key event to the control unit 200. In response to the key event, A command for confirming and inputting key data corresponding to the key event in the current input mode or operation mode of the terminal 125 or performing a function defined by matching with the key event And determine to process, the key input unit 215 is characterized in that in association with the said key input device comprises at least one key button to perform the functions of the key input means provided in the merchant terminal 125.

The key input device coupled to the key input unit 215 may be a keypad having at least one numeric key and a function key, or at least one numeric key, a character key (e.g., English alphabet key or Korean alphabet key) Or a touch screen provided with at least one numeric key and a function key in cooperation with a screen output means provided in the merchant terminal 125 or having at least one numeric key, a character key, and a function key, It is preferable to include at least one device.

According to the embodiment of the present invention, the key input unit 215 is connected to at least one key input device for the card payment service of the affiliated merchant that is synchronized with the non-financial affiliate cache system defined in the merchant terminal 125 It is desirable to perform a function of key input means for receiving key data (e.g., a payment amount, etc.).

Also, the key input unit 215 is a key input unit that is used for a card settlement function of an affiliate merchant that is synchronized with the non-financial affiliate cache system from the key input device for a card settlement service of an affiliate merchant synchronized with the non-financial affiliate cache system It is preferable to perform the function of key input means for inputting the above key data.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 215 may be configured to switch the operation mode of the merchant terminal 125 from an affiliate merchant's point of view, which is synchronized with the non- And a key button for switching to an affiliate payment mode for the card settlement function.

The screen output unit 210 may display a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 200 in the process of providing the card settlement service of the affiliated merchant in which the merchant terminal 125 is synchronized with the non- (Or data) that is defined in advance or is defined in real time to be output to a screen output device including a Cathode Ray Tube, through a predefined interface screen. The screen output unit 210 performs a function of screen output means provided in the merchant terminal 125 in cooperation with the screen output device.

The screen output information (or data) predefined to be output to the screen output device by the merchant terminal 125 may be key data input through the key input unit 215 or provided to the merchant terminal 125 (Or data) stored or generated by the component, information (or data) transmitted and received through the communication processing unit 225 or information (or data) corresponding to the calculation result performed by the merchant terminal 125 At least one of which is included.

According to a preferred embodiment of the present invention, the screen output unit 210 processes each function to the screen output device for a card settlement service of an affiliated merchant that is synchronized with a non-financial affiliate cache system defined in the merchant terminal 125 It is desirable to perform a function of screen output means for outputting a screen.

The communication processing unit 225 is a network communication unit that connects the communication channel with the subscriber terminal 100 through the communication network in the process of providing the card payment service of the affiliated merchant in which the merchant terminal 125 is synchronized with the non- And a cable communication unit for connecting a communication session with one or more terminals (or devices) located close to the merchant terminal 125 via a cable communication port according to the intention of a person skilled in the art, And a short range wireless communication unit for connecting a communication session with a short distance communication terminal (or device) apparatus located close to the merchant terminal 125 via wireless communication means, and the communication channel (or communication session) And a communication protocol or a driver for connecting the mobile communication terminal.

The network communication unit may be a wired communication network including at least one of an xDSL-based wired communication network, a PSTN, an intelligent network, and an Ethernet, or a Code Division Multiple Access (CDMA) A communication channel is connected to the subscriber station 100 through a wireless communication network including at least one of a WCDMA (Wide-CDMA) based mobile communication network, a HSDPA (High Speed Downlink Packet Access) based wireless communication network, And includes a modem or an NIC (Network Interface Card) for connecting the merchant terminal 125 to the communication network in hardware, and the merchant terminal 125 is software And a communication protocol or driver for connecting to the communication network.

The cable communication unit connects a cable communication session with one or more terminals (or devices) located close to the merchant terminal 125 through cable communication (for example, RS-232c or USB (Universal Serial Bus) And a cable communication port to which the cable is connected in hardware, and comprises a communication protocol or driver for the cable communication in software.

The terminal (or the device) to which the cable communication session is connected through the cable communication unit may include at least one bar code reader or RFID (Radio Frequency Identification), or when the merchant terminal 125 is CAT, And a POS terminal having a barcode reader or an RFID reader.

The short-range wireless communication unit may include at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, Wi-Fi and UWB (RF) communication, a Bluetooth, a wireless LAN, a Wi-Fi, and a UWB in hardware by connecting at least one short-range wireless communication means to the near-field communication terminal And a short range wireless communication module for short range wireless communication, and comprises a communication protocol or driver for the short range wireless communication in software.

The terminal (or the device) to which the short-range communication session is connected through the short-range communication unit may include a customer wireless terminal having the short-range wireless communication function.

The security application module (SAM) 230 reads the payment means provided in the customer card through the card reader unit 205 and transmits the card payment through the payment means (Or the subscriber server 100) on the communication network by using security requirements including at least one of Confidentiality, Authentication, Integrity, Nonrepudiation, The merchant terminal 125 performs a secure request function (for example, a credit card settlement through the payment means) in order to perform a secure and reliable structure in the merchant terminal 125, Or encrypts or decrypts the received message (information (or data)) and adds an authenticator to prevent forgery (or tampering) of the message, or performs the security request function And stores important key information in the process, and can be omitted according to the intention of a person skilled in the art.

In general, the security application module 230 preferably comprises a security application module 230 inserter and a security application module 230 chip. The security application module 230 chip includes at least 8-bit CPU, (PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a SIM (Subscriber Identity Module)) having a performance of at least Million Instructions Per Second .

The security application module 230 may include at least one or more security application data (for example, at least one identifier, version, expiration date, issuance date, code value) required for the merchant terminal 125 to perform the security request function, (E. G., A transaction protocol, a re-transaction protocol, a previous transaction cancellation protocol, a collection protocol, a SAM issuance protocol, an electronic commerce / card company registration protocol, Authentication / transfer / registration / setting / mode switching / collection / deletion / discard / initialization / reprocessing / cancellation) Command).

The print output unit 235 is a process of providing the card settlement service of the affiliated merchant in which the merchant terminal 125 is synchronized with the non-financial affiliate cache system, or a process of generating print information (or data) (Or payment processing details) to the printing apparatus 240 (for example, a receipt printing machine), and prints the printing information (or data) through the printing apparatus 240 in accordance with a predefined printing form A print protocol and a driver.

Referring to FIG. 2, the merchant terminal 125 inputs card information read from the customer card through the card reader unit 205, or transmits the card information read from the customer wireless card through the short- A card information input unit 250 for inputting card information received from the terminal, inputting payment amount information inputted from a predetermined key input means through the key input unit 215, And a payment amount input unit 255 for inputting payment amount information confirmed by the terminal (or device).

When the card information corresponding to the payment means information is read from the customer card via the card reader unit 205, the card information input unit 250 reads the card information read from the customer card through the card reader unit 205 And performs input processing.

Alternatively, when the short-range wireless communication unit connects a short-range communication session with a customer wireless terminal located near the merchant terminal 125, the card information input unit 250 receives the card information from the customer wireless terminal through the short- It is possible to perform input processing.

The settlement amount input unit 255 outputs a payment amount input screen through the screen output unit 210 and inputs the payment amount information when the payment amount information is input through the key input unit 215 .

Alternatively, after reading the bar code information (or RFID code information) from the bar code reader or the RFID reader through the cable communication unit, if the payment amount information corresponding to the bar code information (or RFID code information) is confirmed, (255) inputs the confirmed payment amount information.

Referring to FIG. 2, the merchant terminal 125 stores card information input through the card information input unit 250, payment amount information input through the payment amount input unit 255, (250) for generating a payment approval request message including the merchant number information stored in the payment server (250), and transmitting the generated payment approval request message to the subscriber server (100) on the communication network through the communication processor And a payment approval result message including a payment transaction history corresponding to the payment approval request telegram from the subscriber server (100) on the communication network through the communication processing unit (225) And a professional processing unit 270 for outputting the settlement process details included in the special form on the screen output unit 210 or printing out the printout through the print output unit 235, It shall be.

The special message generating unit 260 generates a payment approval request message including the card information, the payment amount information, and the merchant point number information stored in the memory unit 245, And provides it to the specialized transmission unit 265.

The specialized transferring unit 265 transfers the payment approval request message generated by the message creating unit 260 to the subscriber server 100 on the communication network through the communication processing unit 225, The bank server 100 transmits the payment approval request message to the card issuer server 105 (or the financial company server 115) corresponding to the card information through the payment approval request telegram, (Or the financial company server 115), and a payment process including the payment transaction history corresponding to any one of the payment approval history or the payment error history corresponding to the payment processing result from the credit card company server 105 When the approval result telegram is received, the payment approval result telegram is transmitted to the merchant terminal 125 via the communication network.

After the payment approval request telegram is transmitted to the subscriber server 100 on the communication network through the specialized transmission unit 265, the professional processing unit 270 receives the payment approval request message from the subscriber server 100 through the communication processing unit 225 (Or in response to a professional reception event of the communication processing unit 225) whether a payment approval result message including the payment processing details corresponding to the payment approval request message is received.

If the specialist processing unit 270 receives the payment approval result message including the payment transaction details corresponding to the payment approval request message through the communication processing unit 225, (For example, a payment approval history or a payment error details) through the screen output unit 210 and prints the output through the print output unit 235. [

FIG. 3 is a diagram illustrating a process of operating a merchant terminal 125 for card settlement of an affiliated merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

FIG. 3 illustrates an operation process of the merchant terminal 125 shown in FIG. 2 having a card settlement function of an affiliated merchant synchronized with the non-financial affiliate cache system. (See, for example, FIG. 3) may be performed by referring to and / or modifying the FIG. 3 to various operations of the merchant terminal 125 for card settlement of an affiliate merchant synchronized with the non-financial affiliate cache system The present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments.

For example, FIG. 3 illustrates that the card information is inputted after confirming the payment amount input. However, it should be noted that the operation process of the merchant terminal 125 is not limited to the method shown in FIG.

Referring to FIG. 3, the merchant terminal 125 confirms whether payment amount information is inputted (or received) through a key input unit (or a barcode reader or an RFID reader) to process offline card settlement (300).

If the payment amount information is inputted (or received) (305), the merchant terminal 125 confirms whether the card information is read from the customer card through the card reader (or near field wireless communication).

If the card information is read (315), the merchant terminal 125 generates a payment approval request message including the card information, the payment amount information, and the merchant number information (330).

Then, the merchant terminal 125 transmits the settlement approval request message to the subscriber server 100, and receives from the subscriber server 100 a settlement approval result including the payment transaction details corresponding to the settlement approval request telegram Is received (325).

If the payment approval result telegram is received from the subscriber server 100 at step 330, the merchant terminal 125 displays and prints the payment transaction details included in the payment approval result telegram at step 335.

FIG. 4 is a diagram illustrating a configuration of a specialized processing system for providing a card payment function of a merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a case where a payment approval request message is generated and transmitted from the merchant terminal 125 shown in FIG. 2, and the card information included in the payment approval request message is stored in the real account Or a virtual account in which the actual account is the parent account) and corresponds to a check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate, and if the card corresponding to the card information If the card is confirmed to be a credit card or a check card associated only with a real account of a customer's name opened in the financial institution, the settlement processing through the card is processed so as to be settled according to the conventional method, (Or a virtual account that uses the real account as the parent account) of the customer's name opened in the financial sector, and the non-financial partner's own cache system When the check card associated with the cache account of the customer name is confirmed, the settlement processing through the check card is performed in the cache account of the customer name in the own cache system of the non-financial affiliate associated with the check card And a subscriber server (100) having a special processing function for making a settlement process through a cache (or an amount corresponding to the cache deposited in the cache account). The technical field of the present invention Those skilled in the art will be able to conceive of various implementations of a professional processing system configuration that provides a card payment function of a merchant synchronized with the non-financial affiliate cache system, by referring to and / or modifying FIG. 4 , The present invention includes all of the above-described methods of practicing the invention, The technical feature is not limited.

Referring to FIG. 4, a professional processing system for providing a card settlement function of a merchant synchronized with the non-financial affiliate cache system includes an affiliate shop terminal 125 shown in FIG. 2, And a payment approval request message including at least one payment amount information and merchant number information, wherein the card information included in the payment approval request telegram is a real account of a customer name established in a financial institution (or a real account Virtual account) and corresponds to a check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate, and if the card corresponding to the card information is credit card information, If the check card associated with only the actual account of the customer's name opened in the banking system is confirmed, The card corresponding to the card information is associated with the real account of the customer's name opened in the financial sector (or a virtual account for which the real account is the parent account), and the customer (Or a cash card registered in the cache account of the customer name provided in the own cache system of the non-financial affiliate associated with the check card) (100) which has a special processing function for making a settlement process through a payment process (for example, an amount corresponding to the cache stored in the cache account). In this case, the bank server (100) Is confirmed as a credit card information or a check card associated only with a real account of a customer name established in the financial institution, the credit card, Is further provided with a card company server 105 to authorize the credit card payment processing for the check card is characterized in that formed.

In addition, a specialized processing system for providing a card settlement function of a merchant synchronized with the non-financial affiliate cache system may be configured such that a card corresponding to card information included in the payment approval request telegram in the subscriber server 100 (Or a virtual account for which the real account is the parent account) of the customer's name and confirmed by the check card associated with the cache account of the customer's name provided in the own cache system of the non-financial affiliate, 100) receives the payment approval request information including at least one of the card information, payment amount information, and merchant number information, and the card information includes the card information included in the payment approval request telegram of the customer name (Or a virtual account for which the real account is the parent account) and which is provided in the own cache system of the non- The payment approval request information including at least one of the card information, the payment amount information, and the franchise number information when the check card is confirmed by the plurality of check cards as described above, To the own cache system of the non-financial affiliate, and processes the received cash to be approved for payment through the amount corresponding to the cache deposited in the cache account.

In FIG. 4, the server 100 is shown as a single server for convenience. However, the present invention is merely an embodiment for efficiently describing the technical features of the server 100 in the present invention, It is clear that the subscriber server 100 may be implemented in the form of a system composed of a plurality of servers for each function configuration unit according to the system implementation method.

The merchant terminal 125 includes at least one of a Credit Authorization Terminal (CAT) provided at the merchant or a POS (Point Of Sales) terminal having a payment function.

According to the method of the present invention, the merchant terminal 125 includes at least one card reader for card settlement processing, reads the card information from the customer card through the card reader, After inputting the amount information, a payment approval request message including the card information, the payment amount information, and the merchant number information (optional) is generated and transmitted to the subscriber server 100 through the communication network.

The subscriber server 100 may be a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a Code Division Multiple Access (WCDMA) Based communication network, an encryption / decryption processing unit, an encryption / decryption unit, and the like, through a public communication network including at least one of a mobile communication network, (105) and the credit card company server (105) by connecting a communication channel with a card issuer server (105) corresponding to the card information through a dedicated communication network including at least one decryption - based communication network .

According to an exemplary embodiment of the present invention, the subscriber server 100 may include a transmission control protocol / internet protocol (TCP / IP) -based communication network or a dedicated communication network And a card corresponding to the card information included in the payment approval request message received from the merchant terminal 125 is connected to the real account of the customer name When a check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate is confirmed, the card information, the payment amount information, and the merchant number information And transmits the payment approval request information including at least one of the payment approval request information to the relay server 110.

According to the embodiment of the present invention, when the merchant terminal 125 generates and transmits a settlement approval request message using the encryption key of the subscriber terminal, the subscriber server 100 receives the payment approval request message encrypted with the encryption key of the subscriber, And decrypt the received payment approval request message with the decryption key of the vehicle.

When the payment approval request telegram is received from the merchant terminal 125, the bank server 100 transmits the card information included in the payment approval request telegram to the real account of the customer name established in the financial institution (or the real account to the parent account And confirms whether it corresponds to a check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate.

If the card corresponding to the card information included in the payment approval request telegram is identified as the credit card information or the check card associated only with the actual account of the customer name opened in the financial region, (Or the bank server 115) to which the payment approval request message is to be relayed, by reading the BIN (Bank Identification Number) included in the card information, and then checking the card issuer server 105 And transmits the payment approval request message to the relay device.

On the other hand, a card corresponding to the card information included in the payment approval request telegram is associated with a real account of a customer name (or a virtual account that uses the real account as a parent account) opened in the financial sector, The bank server 100 transmits the payment approval request information including at least one of the card information, the payment amount information, and the merchant number information to the relay server 100. In this case, (110).

The card issuer server 105 issues a card corresponding to the card information contained in the payment approval request telegram and transmits the card approval information to the card based on the card information included in the payment approval request telegram received from the broadcast server 100 And confirms the settlement of the settlement amount through the settlement limit amount.

According to the embodiment of the present invention, the subscriber server 100 may include the card information, payment amount information, and merchant number information according to a protocol between the subscriber server 100 and the card issuer server 105 (Including the generated payment approval request information) with the encryption key of the card company, the credit card company server 105 receives and decrypts the payment approval request text encrypted with the encryption key of the card company from the subscriber server 100, It is desirable to confirm the card information, payment amount information, and merchant number information included in the approval request message.

According to an embodiment of the present invention, when the card information is a credit card, the credit card company server 105 transmits a payment approval limit amount (for example, a credit limit amount) to the card and a cumulative payment approval amount If the settlement limit amount is larger than the sum of the accumulated payment amount and the payment amount by comparing the sum of the accumulated payment amount and the payment amount, It is preferable that the settlement is approved.

According to another embodiment of the present invention, when the card information is a check card, the credit card company server 105 confirms the settlement limit amount (for example, the balance of the linked account) for the card, And comparing the settlement amount with the settlement amount, when the settlement limit amount is larger than the settlement amount, it is preferable that the settlement is approved.

According to the present invention, the BUS server 100 stores the BIN information corresponding to each card issued by the card company and the card issuer server 105 corresponding to the BIN information in association with each other, The exclusive BIN information associated with the real account (or the virtual account for which the real account is the parent account) and corresponding to the check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate, Through the cache (or the amount corresponding to the cache deposited in the cache account) deposited in the cache account of the customer name provided in the own cache system of the non-financial affiliate associated with the check card And a BIN information D / B 435 for storing and storing the relay server 110 information in association with each other.

4, the subscriber server 100 includes an interface 400 for connecting and managing a communication channel with a merchant terminal 125 provided at the merchant through a communication network (for example, a public communication network) (Or professional receiving means) 405 (or professional receiving means) for receiving a payment approval request message through the communication channel in conjunction with the payment unit 400, A card corresponding to the information is associated with a real account of a customer name established in a financial institution (or a virtual account for which the real account is a parent account), and is associated with a cache account of the customer name provided in the self- A card information confirming unit 415 (or information confirming means) for confirming whether or not the card information corresponds to the check card; The B / D information DB 435 confirms the card issuer server 105 information to relay the payment approval request message in cooperation with the BIN information D / B 435, (Or a virtual account for which the real account is the parent account) of the customer name established in the non-financial affiliate partner, and confirmed by the check card associated with the cache account of the customer name provided in the own cache system of the non- A server checking unit 420 for checking the information of the relay server 110 to relay the payment approval request information including at least one of the card information, the payment amount information and the franchise number information in association with the BIN information D / B 435 And the server confirmation unit 420 transmits the payment approval request message to the confirmed card issuer server 105 when the server confirmation unit 420 confirms the information of the card issuer server 105, The relay server 110 transmits the payment approval request information including at least one of the card information, the payment amount information, and the merchant number information to the confirmed relay server 110, (Or payment approval result information) including a payment transaction result corresponding to the payment approval request telegram from the card company server 105 or the relay server 110, To the merchant terminal 125, a payment acceptance result message including the payment transaction details through a communication channel in association with the interface unit 400, And a transmission unit 410 (or a specialized transmission means).

The interface unit 400 is connected to the merchant terminal 125 provided at the merchant through the communication protocol corresponding to the communication network connecting the subscriber server 100 and the merchant terminal 125 provided at the merchant, And the communication channel is maintained and managed until the expert transmission / reception is completed.

The card information is read from the card through the card reader in the merchant terminal 125 connected to the communication channel, the payment amount information is input through the key input device, and then the card information, the payment amount information, The specialist receiving unit 405 receives the payment approval request message from the merchant terminal 125 in cooperation with the interface unit 400 and transmits the payment approval request message to the merchant terminal 125. [ .

If the payment approval request telegram is encrypted and transmitted from the merchant terminal 125 through the encryption key of the company, the professional reception unit 405 decodes the encrypted payment approval request telegram.

When the payment approval request message is received, the card information confirmation unit 415 extracts (or confirms) the BIN information from the card information included in the payment approval request message and links the BIN information with the BIN information D / B 435 (Or confirmed) BIN information is associated with the card issuer server 105 information, or whether it is processed in connection with the relay server 110 information.

If the extracted (or confirmed) BIN information is associated with the relay server 110 information, the card information verification unit 415 determines whether the card corresponding to the card information is a real account of the customer name Or a virtual account in which the actual account is the parent account) and corresponds to a check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate.

On the other hand, if the extracted (or confirmed) BIN information is associated with the card issuer server 105 information, the card information verification unit 415 determines whether the card corresponding to the card information is a credit card, And a check card associated only with the actual account of the customer's name.

The card information confirming unit 415 associates the card information corresponding to the card information with a real account of a customer name (or a virtual account for which the real account is a parent account) opened in the financial sector, The BIN information D / B 435 transmits the BIN information to the relay server 110, which is stored in association with the dedicated BIN information, from the BIN information D / B 435, ) Information.

If the card information confirming unit 415 determines that the card corresponding to the card information is a credit card or a check card associated only with a real account of a customer name opened in the financial institution, 420 confirms the card issuer server 105 information in connection with the BIN information D / B 435 and the card issuer server information stored in association with the BIN information.

When the relay server 110 confirms the information by the server check unit 420, the relay server 425 transmits the relay information to the relay server 110 through the communication channel, And transmits payment approval request information including at least one of information, payment amount information, and merchant number information to the relay server 110.

Thereafter, the relay server 110 notifies the settlement processing through the check card to a cache (or a cache stored in the cache account) in the cache account of the customer name provided in the own cache system of the non-financial affiliate associated with the check card And transmits the payment approval result information including the payment processing details corresponding to the payment approval request information through the communication channel. The relay receiving unit 430 transmits the payment approval result information including the payment processing request information, And receives the payment approval result information from the relay server 110 through the channel.

According to another embodiment of the present invention, the card information confirming unit 415 associates the card corresponding to the card information with a real account of a customer name (or a virtual account that uses the real account as a parent account) If it is confirmed that the card information corresponds to the check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate, the relay transmission unit 425 transmits the card information, the payment amount information, (Or may include the card issuer server 105) that manages the real account of the customer's name (or a virtual account that uses the real account as a parent account) The present invention is not limited thereto.

At this time, the financial company server 115 transmits a settlement process through the check card to the cache (or the cache account stored in the cache account of the customer name included in the own cache system of the non-financial affiliate associated with the check card And transmits the payment approval result information including the payment processing details corresponding to the payment approval request information through the communication channel. The relay receiving unit 430 receives the payment approval result information including the payment approval request information, It is possible to receive the payment approval result information from the financial company server 115 via the communication channel.

Alternatively, when the server confirmation unit 420 confirms the information of the card issuer server 105, the relay transmission unit 425 transmits the information to the relay server 425 through a communication channel connected between the subscriber server 100 and the card issuer server 105 And transmits the payment approval request message to the card issuer server (105).

Thereafter, the card issuer server 105 performs a payment approval procedure corresponding to the payment approval request telegram, and transmits a payment approval result telegram including the payment processing details corresponding to the payment approval request telegram via the communication channel , The relay receiving unit 430 receives the payment approval result message from the credit card company server 105 via the communication channel.

According to an embodiment of the present invention, when the settlement is approved, the settlement processing history includes at least one or more pieces of card information for the payment approved card, a payment approval date and time, a payment approval amount, .

According to another embodiment of the present invention, when the settlement is not approved, the settlement processing history may include at least one of card information for the card and settlement error information.

When the payment approval result information (or payment approval result result) is received by the relay receiving unit 430, the professional transferring unit 410 transmits the settlement processing result information (Or confirms) a payment approval result message including the payment approval result message to the merchant terminal 125 and transmits the payment approval result message to the merchant terminal 125. In this case, It is preferable to further perform a process of verifying that the data has been transmitted.

According to the present invention, the card issuer server 105, which performs the payment promotion procedure for the payment approval request telegram relayed from the subscriber server 100, is configured to transmit the customer information that has been issued the card, And a card management D / B 480 for associating and storing the card information corresponding to the card management information D / B 480 and the card attribute information and the card limit information, or in association with the DBMS operating the card management D / B 480, (Not shown) provided with the card management D / B 480. [0157]

Here, the customer information includes at least one of personal information (e.g., customer name, resident registration number, address, wireless terminal information (or mobile phone number) ID information) of the user.

Preferably, the card information includes a card number corresponding to a card issued to the customer, and the card issuer information (for example, a card issuing organization number (or code)) and card type information (Or code) and validity period information (some of which may be omitted) for the card.

Wherein the card attribute information includes at least one of a payment attribute (e.g., a postponed type, a debit type, a prepaid type, etc.) for a card issued to the customer, a royalty property including a mileage accumulation policy for the card, And at least one or more additional service attributes.

The card limit information is information for confirming a payment approval limit amount for processing a payment approval for a payment amount requested through the card according to a payment attribute of the card (for example, deferred payment type, debit type, prepaid type, etc.) Information is preferably included.

According to an embodiment of the present invention, when the card includes a deferred payment attribute (for example, a credit card settlement attribute), the card limit information preferably includes credit limit amount information for the card.

According to another embodiment of the present invention, when the card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information includes account information associated with the card .

According to another embodiment of the present invention, when the card includes a prepayment settlement attribute (for example, a prepayment card settlement attribute), the card limit information preferably includes charge amount information filled in the card .

According to the present invention, the credit card company server 105 may include a settlement record D / B 485 for storing the settlement record information approved for payment when the settlement is approved through the card, or the settlement record D / B 485), or in conjunction with a DB server (not shown) having the transaction details card management D / B 480. [

Here, the payment details information may include at least one of card information for the payment-approved card, payment approval date and time, payment approval amount, merchant number information, and payment approval information.

The card information is preferably information that is matched with the card information provided in the card management D / B 480 and includes a card number, and the card management D / B 480 and the card management D / The payment details D / B 485 is preferably linked in a relational manner.

The settlement approval date and time may include the date and time when the credit card company server 105 has accepted the settlement amount through the card.

It is preferable that the payment approval amount includes money amount information approved for payment through the card by the card issuer server 105. In accordance with the intention of a person skilled in the art, And the like.

The merchant number information is information for identifying a merchant who has requested payment approval of the payment amount through the card. The merchant number information includes information on the merchant number (or merchant code) included in the payment approval request, And the merchant account information for settlement of the settled amount among the approved amounts.

The settlement approval information preferably includes the settlement approval number assigned by the card issuer server 105 upon payment approval through the card.

4, the card issuer server 105 includes a communication unit 440 for connecting and managing a communication channel with the subscriber server 100 through a communication network (for example, a dedicated communication network) A reception unit 445 for receiving the payment approval request message from the subscriber server 100, and a reception unit 445 for receiving the card information stored in the card management D / B 480, A card information comparison unit 455 for checking whether or not the card information is matched; and a card information comparison unit 455 for checking whether the card information matches the payment authorization limit amount corresponding to the card information, A settlement approval processing unit 460 for approving the settlement of the settlement amount, a history generating unit 465 for generating a settlement processing description including the settlement approval result, and a settlement approval result (450) for transmitting the generated payment approval result message to the subscriber server (100) via the communication channel in cooperation with the communication unit (440) And an information storage unit 475 for storing the payment history information included in the payment processing history in the payment history D / B 485 at the time of the payment approval by the payment approval processing unit 460 And the like.

The communication unit 440 connects a communication channel for sending and receiving payment related specialty (or information) to the subscriber server 100 through a communication protocol corresponding to the communication network connecting the card issuer server 105 and the subscriber server 100 .

When the subscriber server 100 transmits the payment approval request message via the communication channel, the receiving unit 445 may include at least one of card information, payment amount information, and merchant number information in association with the communication unit 440 The payment approval request message is received.

If the payment approval request telegram is encrypted and transmitted from the subscriber server 100 through the encryption key of the card company server 105, the reception unit 445 decrypts the encrypted payment approval request telegram .

When the payment approval request message is received, the card information comparison unit 455 checks the card information included in the payment approval request message and stores the card information in the card management D / B 480 By checking the card information, whether the card corresponding to the card information matches the credit card stored in the card management D / B 480 or the check card.

The card information comparison unit 455 determines whether the card is a card that has been reported as lost or is a card satisfying an unusable condition (for example, a credit failure, delinquency, or the like) It is preferable to further include a process of confirming whether or not the card is a card that has been subjected to the authentication process.

When the validity of the card information included in the payment approval request telegram is confirmed by the card information comparison unit 455, the payment approval processing unit 460 notifies the card management D / B 480 The payment approval limit amount corresponding to the card limit information provided by the payment approval limit amount, and approving the payment for the payment amount included in the payment approval request special based on the confirmed payment limit amount.

In accordance with the method of the present invention, the payment approval processing unit 460 first associates with the card management D / B 480 in order to check the payment approval limit amount, Type, direct debit type, prepaid type, etc.).

According to an embodiment of the present invention, when the card includes a deferred payment attribute (for example, credit card payment attribute), the payment approval processing unit 460 transmits credit limit amount information included in the card limit information to the card Of the total amount of payment.

According to another embodiment of the present invention, when the card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 460 determines It is preferable to confirm the account information and confirm the balance information of the linked account with the financial company server 115 (not shown) as the payment approval limit amount for the card.

According to another embodiment of the present invention, when the card includes a prepayment settlement attribute (for example, a prepayment card settlement attribute), the settlement approval processing section 460 stores the charge amount information included in the card limit information It is advisable to check with the payment authorization limit for the card.

If the payment approval limit amount for the card is confirmed, the payment approval processing unit 460 confirms the settlement amount of the payment amount included in the payment approval request, And checking whether an error has occurred.

According to one embodiment of the present invention, when the card includes a deferred payment attribute (for example, a credit card payment attribute), the payment approval processing unit 460 transmits the payment history D / B 485, A credit amount limit amount (for example, a credit limit amount) of the payment amount, and a payment amount limit amount (e.g., a credit limit amount) It is preferable to confirm the settlement of the settlement amount or whether the settlement error has occurred.

For example, when the payment approval limit amount (for example, the credit limit amount) is larger than the sum amount, the payment approval processing unit 460 preferably approves the payment.

According to another embodiment of the present invention, when the card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing section 460 determines the payment approval limit amount The balance of the linked account) with the settlement amount, and confirms whether the settlement amount is approved or the settlement error is confirmed.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the payment approval processing unit 460 preferably approves the payment.

According to another embodiment of the present invention, when the card includes a prepayment settlement attribute (for example, a prepayment card settlement attribute), the settlement approval processing section 460 stores the settlement limit amount (for example, a charge amount) It is preferable that the settlement amount is compared with the settlement amount to confirm whether the settlement amount is a payment settlement or a settlement error.

For example, when the payment approval limit amount (e.g., the charge amount) is larger than the payment amount, the payment approval processing unit 460 preferably approves the payment.

When the settlement approval process for the settlement amount is completed by the settlement approval processing unit 460, the history generating unit 465 generates a settlement process including the settlement approval result that has been approved by the settlement approval processing unit 460 And generates a description of the contents.

According to an embodiment of the present invention, when the settlement is approved, the settlement processing history includes at least one or more pieces of card information for the payment approved card, a payment approval date and time, a payment approval amount, .

According to another embodiment of the present invention, when the settlement is not approved, the settlement processing history may include at least one of card information for the card and settlement error information.

The generating unit 470 generates a payment approval result result (or payment approval result information) including the payment process details, and the transmitting unit 450 transmits the payment approval result result (Or payment approval result information) generated by the payment server 440 to the subscriber server 100 through the communication channel.

When the settlement approval processing unit 460 approves the settlement of the settlement amount, the information storage unit 475 stores the card information included in the settlement processing description generated by the history creation unit 465, The payment history information including at least one or more payment approval dates and times, a payment approval amount, merchant number information, and payment approval information in the payment history D / B 485.

FIG. 5 is a diagram illustrating a special processing procedure for card settlement synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

5, the merchant terminal 125 shown in FIG. 2 generates and transmits a payment approval request message through the process shown in FIG. 3. The subscriber terminal 125 shown in FIG. The card information included in the payment approval request telegram is associated with a real account of a customer's name opened in the financial sector (or a virtual account for which the real account is a parent account), and the card name of the customer name It is confirmed whether or not the card corresponding to the card information is a credit card or a check card associated only with a real account of a customer name opened in the financial institution, The card corresponding to the card information is transferred to the real account of the customer's name opened in the financial sector (or the actual account of the real account as the parent account) When the check card is confirmed by the check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate, the payment information including the payment amount information and the merchant number information, And then transmits the payment approval request information to the relay server 110. As a matter of course, the person skilled in the art will be able to refer to and / It will be appreciated that various implementations (e.g., omitting some steps or alternating sequences) of a specialized process for card settlement synchronized with the cache system may be inferred, And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 5, the merchant terminal 125 shown in FIG. 2 generates a payment approval request message through the process shown in FIG. 3 and transmits it to the subscriber server 100 (500) The subscriber server 100 receives the payment approval request message transmitted from the merchant terminal 125 via the communication channel (505).

*

Here, the payment approval request telegram may include card information read from the card, payment amount information, and merchant number information.

When the payment approval request telegram is encrypted and transmitted from the merchant terminal 125 through the encryption key of the subscriber according to an embodiment of the present invention, the subscriber server 100 decrypts the encrypted payment approval request telegram .

Thereafter, the subscriber server 100 confirms the card information included in the payment approval request telegram (510), reads the BIN information of the confirmed card information, and determines that the card corresponding to the card information is a customer (Or a virtual account for which the real account is the parent account) of the non-financial partner, and includes dedicated BIN information corresponding to the check card associated with the cache account of the customer name provided in the non-financial partner's own cache system (515).

If it is not confirmed that the dedicated BIN information is included in the card information, the subscriber server 100 transmits the BIN information D / B 435 to the card issuer server 105 corresponding to the BIN information, The information is confirmed (525).

If the information of the card issuer server 105 corresponding to the BIN information is confirmed 530, the subscriber server 100 transmits the payment approval request message to the card issuer server 105 corresponding to the confirmed card issuer server 105 information (535).

If it is determined in step 520 that the dedicated BIN information is included in the card information, the subscriber server 100 transmits the BIN information to the relay server 110 corresponding to the dedicated BIN information in association with the BIN information D / B 435, Information is confirmed (540).

If the relay server 110 information corresponding to the dedicated BIN information is confirmed (545), the subscriber server 100 generates payment approval request information including the card information, payment amount information, and merchant point number information 550) and relays the payment approval request information to the relay server 110 corresponding to the confirmed relay server 110 information (555).

FIG. 6 is a diagram illustrating a special processing procedure for card settlement synchronized with a non-financial affiliate cache system according to another embodiment of the present invention.

In more detail, FIG. 6 is a flowchart illustrating the process of creating and transmitting a payment approval request message through the process shown in FIG. 3 in the merchant terminal 125 shown in FIG. 2, The card information included in the payment approval request telegram is associated with a real account of a customer's name opened in the financial sector (or a virtual account for which the real account is a parent account), and the card name of the customer name It is confirmed whether or not the card corresponding to the card information is a credit card or a check card associated only with a real account of a customer name opened in the financial institution, The card corresponding to the card information is transferred to the real account of the customer's name opened in the financial sector (or the actual account of the real account as the parent account) When the check card is confirmed by the check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate, the payment information including the payment amount information and the merchant number information, And transmits the payment approval request information to the financial company server 115 that operates the real account of the customer name (or the virtual account that uses the real account as the parent account). In this regard, It is possible to refer to and / or modify the FIG. 6 so that various methods of professional processing for card settlement synchronized with the non-financial affiliate cache system (e.g., some steps are omitted, However, it should be understood that the present invention is not limited to the embodiments described above, And the technical features thereof are not limited only by the illustrated method.

Referring to FIG. 6, the merchant terminal 125 shown in FIG. 2 generates a payment approval request message through the process shown in FIG. 3 and transmits it to the subscriber server 100 (600) The subscriber server 100 receives the payment approval request message transmitted from the merchant terminal 125 via the communication channel (605).

Here, the payment approval request telegram may include card information read from the card, payment amount information, and merchant number information.

When the payment approval request telegram is encrypted and transmitted from the merchant terminal 125 through the encryption key of the subscriber according to an embodiment of the present invention, the subscriber server 100 decrypts the encrypted payment approval request telegram .

Then, the subscriber server 100 checks the card information included in the payment approval request message (610), reads the BIN information of the confirmed card information, and determines that the card corresponding to the card information is a customer (Or a virtual account for which the real account is the parent account) of the non-financial partner, and includes dedicated BIN information corresponding to the check card associated with the cache account of the customer name provided in the non-financial partner's own cache system (615).

If it is not confirmed that the dedicated BIN information is included in the card information (620), the subscriber server 100 transmits the BIN information D / B 435 to the card issuer server 105 corresponding to the BIN information, The information is confirmed (625).

If the information on the card issuer server 105 corresponding to the BIN information is confirmed 630, the subscriber server 100 transmits the settlement approval request message to the card issuer server 105 corresponding to the confirmed card issuer server 105 information (635).

If it is determined in operation 620 that the dedicated BIN information is included in the card information, the subscriber server 100 transmits the BIN information D / B 435 to the financial server 115 corresponding to the dedicated BIN information, Information is confirmed (640).

If the information on the financial institution server 115 corresponding to the dedicated BIN information is confirmed (645), the subscriber server 100 generates payment approval request information including the card information, payment amount information, and merchant point number information 650) and relays the payment approval request information to the financial company server 115 corresponding to the confirmed information on the financial company server 115 (655).

7 is a diagram illustrating a card payment approval process according to an embodiment of the present invention.

In more detail, FIG. 7 is a flowchart illustrating an example of a payment request received from the subscriber server 100 shown in FIG. 4 through the specialized processing shown in FIG. 5 or FIG. And a process of approving the card payment requested through the approval request telegram. If the person skilled in the art is familiar with the present invention, referring to and / or modifying the FIG. 7, It should be understood that the present invention is not limited to the above-described exemplary embodiments.

Referring to FIG. 7, when the subscriber server 100 shown in FIG. 4 transmits the payment approval request message through the professional processing shown in FIG. 5 or FIG. 6, The payment approval request message is received from the server 100 (700).

When the payment approval request telegram is encrypted and transmitted from the subscriber server 100 through the encryption key of the card company according to the embodiment of the present invention, the card company server 105 decrypts the encrypted payment approval request telegram .

Then, the card company server 105 confirms the card information, the payment amount information, and the merchant point number information included in the payment approval request telegram (705) and, in association with the card management D / B 480, It is checked whether there is card information matched with the card information included in the specialty (710).

According to the method of the present invention, the card issuer server 105 determines whether the card is a card that has been reported as lost or is a card satisfying an unusable condition (for example, a credit failure, delinquency, etc.) And confirming whether or not the validity period has elapsed.

If it is determined in step 715 that the card information matching the card information included in the payment approval request message is not received from the card management D / B 480, the card issuer server 105 includes the payment error information The subscriber server 100 generates a settlement approval result message and transmits it to the subscriber server 100 in step 720. In response, the subscriber server 100 transmits a settlement approval message including the settlement error information on the communication channel connected to the merchant terminal 125 And transfers the result to the merchant terminal 125 (step 725).

On the other hand, if it is determined in step 715 that the card information matching the card information included in the payment approval request telegram is received from the card management D / B 480, the card issuer server 105 transmits the card management D / 480) a credit limit amount for each payment attribute corresponding to the card limit information provided in association with the card information (730).

According to an embodiment of the present invention, when the card includes a deferred payment attribute (for example, a credit card settlement attribute), the credit card company server 105 transmits credit limit amount information included in the card limit information to the card It is advisable to confirm the payment limit amount for the payment.

According to another embodiment of the present invention, when the card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the credit card company server 105 transmits a credit account It is preferable to check the information and confirm the balance information of the linked account with the financial company server 115 (not shown) as the payment approval limit amount for the card.

According to another embodiment of the present invention, when the card includes a prepayment settlement attribute (for example, a prepayment card settlement attribute), the credit card company server 105 transmits charge amount information included in the card limit information to the card Of the total amount of payment.

If it is determined in step 735 that the payment authorization limit for each payment attribute of the card is confirmed, the credit card company server 105 determines the payment authorization limit for each payment attribute included in the payment approval request, The payment approval is processed (740).

According to an embodiment of the present invention, when the card includes a deferred payment attribute (for example, a credit card settlement attribute), the credit card company server 105, in association with the payment details D / B 485, And a credit limit amount (e.g., a credit limit amount) determined by the credit amount determination unit. The credit amount limit amount is calculated based on the accumulated credit amount, It is preferable to check whether the settlement amount is approved or whether the settlement error has occurred.

For example, when the settlement limit amount (for example, the credit limit amount) is larger than the sum, the credit card company server 105 preferably approves the settlement.

According to another embodiment of the present invention, when the card includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the credit card company server 105 transmits the payment approval limit amount Balance of the account) with the settlement amount, and confirms whether the settlement amount is approved or the settlement error is confirmed.

For example, when the payment approval limit amount (e.g., the balance of the linked account) is larger than the payment amount, the credit card company server 105 preferably approves the payment.

According to another embodiment of the present invention, when the card includes a prepayment settlement attribute (e.g., a prepayment card settlement attribute), the card issuer server 105 compares the settlement allowance amount (e.g., a charge amount) It is preferable that the payment amount is compared to confirm the settlement of the settlement amount or whether the settlement error has occurred.

For example, when the settlement limit amount (for example, the charge amount) is larger than the settlement amount, the credit card company server 105 preferably approves the settlement.

If it is determined in step 745 that the payment authorization for each payment attribute is not confirmed as a result of the payment approval process, the credit card company server 105 generates a payment approval result message including the payment error information and transmits the payment approval result message to the subscriber server 100 720). In response, the subscriber server 100 transmits the payment approval result message including the payment error information to the merchant terminal 125 through a communication channel connected to the merchant terminal 125 (step 725) .

On the other hand, if it is determined in step 745 that the payment approval for each payment attribute is confirmed as a result of the payment approval process, the credit card company server 105 generates a payment transaction containing the payment approval result (step 750).

Here, it is preferable that the payment processing history includes at least one of card information for the payment approved card, a payment approval date and time, a payment approval amount, a franchise number information, and payment approval information.

Thereafter, the card issuer server 105 generates a payment approval result telegram including the payment transaction details and transmits the payment approval result telegram to the subscriber server 100 (755) ) To the merchant terminal 125 through the communication channel connected to the merchant terminal 125 (step 725).

Further, the credit card company server 105 generates payment history information including at least one of the card information included in the generated payment transaction details, the payment approval date and time, the payment approval amount, the merchant number information, and the payment approval information (760 ) And stores the payment history information in the payment history D / B 485 (765).

FIG. 8 is a diagram illustrating a configuration of an affiliated merchant settlement processing system synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

More specifically, FIG. 8 illustrates card information, payment amount information, and merchant number information included in a payment approval request message including dedicated BIN information among the payment approval request messages transmitted from the merchant terminal 125 shown in FIG. 2 The relay server 110 receives the payment approval request information including the card information, the payment amount information, and the merchant point number information through the subscriber server 100 shown in FIG. 4, When it is determined that the card information included in the payment approval request information is associated with the cache account information on the non-financial affiliate cache system, if it is confirmed that the card information is associated with the cache account information, To the financial company server 115 that manages the funds management account of the non-financial affiliate managing the cache account, and transmits the funds to the fund management account The settlement processing is performed within the remaining amount limit of the cache account, the settlement processing in the remaining amount limit of the cache account through the fund management account is synchronized with the cache account of the non-financial affiliate cache system, The payment approval request information is transmitted to the financial company server 115 corresponding to the card information, and is transmitted to the financial account server 115 through the amount deposited in the real account (or the virtual account having the real account as the parent account) The system configuration for processing the payment to be approved for payment, and those having ordinary skill in the art to which the present invention pertains, refer to and / or modify the FIG. 8, (E.g., some of the components may be omitted, or broken down, Would be able to infer how the combined embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

Referring to FIG. 8, the affiliated merchant payment processing system synchronized with the non-financial affiliate cache system includes the merchant terminal 125 shown in FIG. 2, the subscriber server 100 shown in FIG. 4, Receiving payment approval request information including card information, payment amount information, and merchant point number information from the server 100, and the card information included in the payment approval request information is associated with cache account information on the non-financial affiliate cache system If it is confirmed that the card information is associated with the cache account information, the payment approval request information is transmitted to the financial server 115 managing the cash management account of the non-financial affiliate managing the cash account, A settlement process is performed within a balance limit of the cash account through the fund management account, When the card information is not confirmed to be associated with the cache account information, the payment approval request information is transmitted to the financial institution corresponding to the card information And a relay server (110) for transferring the account information to the server (115) and processing the real account (or a virtual account for which the real account is a parent account) to be approved for payment through the deposited amount. (Or a virtual account in which the real account is used as a parent account) or a real account linked to the card information (or a virtual account in which the real account is used as a parent account) in the cash account limit through the fund management account, (Or a virtual account for which the actual account is the parent account) through the amount deposited in the real account And further comprising: a bank server (115) for processing characterized by comprising.

Also, the affiliate shop payment processing system synchronized with the non-financial affiliate cache system includes a cache account operation server 120 provided in the self-cache system of the non-financial affiliate and operating a cache account of a customer name associated with the card information, And further comprising:

Although the relay server 110 is shown as one server in FIG. 8 for the sake of convenience, this is merely a method for efficiently describing the technical characteristics of the relay server 110 according to the present invention. It is clear that the relay server 110 may be implemented as a system composed of a plurality of servers for each function configuration unit according to the system implementation method.

The merchant terminal 125 includes at least one of a Credit Authorization Terminal (CAT) provided at the merchant or a POS (Point Of Sales) terminal having a payment function.

According to the method of the present invention, the merchant terminal 125 includes at least one card reader for card settlement processing, reads the card information from the customer card through the card reader, After inputting the amount information, a payment approval request message including the card information, the payment amount information, and the merchant number information (optional) is generated and transmitted to the subscriber server 100 through the communication network.

The subscriber server 100 may be a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a Code Division Multiple Access (WCDMA) A subscriber terminal 125 connected to the merchant through a public communication network including at least one of a wireless network based on a Downlink Packet Access (RBAC), an IEEE 802.1xx based wireless network, and the like, A communication channel is connected to the relay server 110 through any one of a TCP / IP (Transmission Control Protocol / Internet Protocol) based communication network or a dedicated communication network for card payment processing of an affiliated merchant, (Or a virtual account in which the real account is the parent account) of the customer name established in the financial sector, the card corresponding to the card information included in the payment approval request telegram, And when it is confirmed by the check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate, the settlement approval request information including at least one of the card information, the payment amount information, To the relay server (110).

According to the embodiment of the present invention, when the merchant terminal 125 generates and transmits a settlement approval request message using the encryption key of the subscriber terminal, the subscriber server 100 receives the payment approval request message encrypted with the encryption key of the subscriber, And decrypt the received payment approval request message with the decryption key of the vehicle.

When the payment approval request telegram is received from the merchant terminal 125, the bank server 100 transmits the card information included in the payment approval request telegram to the real account of the customer name established in the financial institution (or the real account to the parent account And confirms whether it corresponds to a check card associated with the cache account of the customer name provided in the own cache system of the non-financial affiliate.

If the card corresponding to the card information included in the payment approval request telegram is associated with a real account of a customer name (or a virtual account for which the real account is a parent account) opened in the financial sector, The bank server 100 transmits the payment approval request information including at least one of the card information, the payment amount information, and the merchant number information to the relay server 100. In this case, (110).

The financial company server 115 is a server provided in a financial company that opens and operates a money management account of a non-financial affiliate managing a cash account, and receives card information, payment amount information, and merchant number information from the relay server 110 , The cash account information and the cash account balance associated with the card information are confirmed and the settlement approval or disapproval of the settlement amount is determined through the fund management account within the limit of the cache account balance .

Alternatively, the financial company server 115 is a server provided in a financial institution that operates a real account linked with the card information (or a virtual account that uses the real account as a parent account), and receives, from the relay server 110, When the payment approval request information including the money amount information and the merchant number information is received, the real account linked with the card information (or the virtual account having the real account as the parent account) is confirmed, and the confirmed real account A virtual account for which the account is the parent account) and the payment amount information to determine whether to approve the payment for the payment amount.

When the settlement approval for the settlement amount is processed, the financial company server 115 generates a settlement processing history (or settlement approval result information including the settlement processing details) and transmits it to the relay server 110 .

If the financial company server 115 is authorized to settle the settlement amount through a real account linked to the card information (or a virtual account having the real account as a parent account) And therefore the detailed description thereof will be omitted for the sake of convenience.

The cash account operating server 120 is provided in a self-cache system of the non-financial affiliate and operates a cache account of a customer name associated with the card information.

According to the present invention, the relay server 110 is connected to a real account of a customer's name (or a virtual account in which the real account is a parent account), and the cache account of the customer name provided in the self- And the payment management D / B 865 is linked with the card information associated with the cash account information, and the payment management D / B 865 performs a seamless ring synchronization processing It is preferable to further associate the cache account balance information with each other.

According to the present invention, the relay server 110 transmits the customer information (or the card information or the cache account information of the customer's name) and the customer (or the card information or the cache account) through the self- And a value information D / D server that stores the value information (e.g., discount coupon information, point information, award information) provided to the customer (or card information or cache account) B (875), or interworking through a communication network, wherein the customer information (or the card information or the cache account information of the customer's name) and the value provider information and value information are transmitted to the non- It can be omitted if it is confirmed in real time through the cache system.

According to an embodiment of the present invention, the value information is preferably synchronized with the non-financial affiliate's own cache system in association with the cache account operating server 120 of the non-financial affiliate's own cache system.

Referring to FIG. 8, the relay server 110 includes an interface unit 800 for connecting and managing a communication channel with the subscriber server 100 through a communication network, (Or information receiving means) 805 (or information receiving means) for receiving the payment approval request information through the payment management D / B 865, (Or information confirming means) for confirming whether or not the card information is processed, and a card information processing unit 815 for processing the card information as synchronization target card information if it is confirmed that the card information is associated with the cache account information, And an information storage unit (or information storage unit) for storing the information, settlement amount information, merchant store number information, and cache account information in the payment synchronization D / B 870 in association with each other .

The interface unit 800 connects a communication channel for transmitting and receiving settlement related information to and from the subscriber server 100 through a communication protocol corresponding to a communication network connecting the relay server 110 and the subscriber server 100, And the communication channel is maintained and managed until the information transmission / reception is completed.

When the subscriber server 100 connected to the communication channel generates payment approval request information including card information, payment amount information, and merchant point number information and transmits the payment approval request information through the communication network, the information receiver 805 transmits the payment approval request information, And receives the settlement approval request information from the subscriber server (100) in association with the settlement approval request information.

When the payment approval request information is received, the information verification unit 815 confirms the card information included in the payment approval request information, and transmits the confirmed card information and the payment management D / B 865 to the cache account It is preferable that the card information stored in association with the information is compared with each other to check whether the card information is associated with the cache account, so that the present invention is not limited thereto.

Alternatively, if the card information includes dedicated BIN information, the information checking unit 815 can read the BIN information of the card information to check whether the card information is associated with the cache account, The present invention is not limited thereto.

If it is determined that the card information is associated with the cache account information, the information storage unit processes the card information as synchronization target card information, and stores the synchronization target card information, the payment amount information, the franchise number information, And stores it in the payment synchronization D / B 870 in conjunction with the above.

Referring to FIG. 8, when it is determined that the card information is associated with the cache account information, the relay server 110 transmits the customer (or card information or a cache account) through the self- A value verification unit 820 (or a value verification means) for confirming the value information available to the affiliate among the value information provided to the affiliated company, And a value applying unit 825 (or value applying means) for subtracting the amount of money.

If it is confirmed that the card information is associated with the cache account information, the value verifying unit 820 associates the card information included in the payment approval request information with the value information D / B 875, / B (865), or the value provider information and the value information associated with the customer information, by checking the customer (or card information, or the cache account ) Of the value information to be provided to the affiliate.

Alternatively, the value verification unit 820 may provide the card information included in the payment approval request information or the cache account information confirmed from the payment management D / B 865 to the own cache system of the non-financial affiliate, (Or card information, or a cache account) through the own cache system of the non-financial affiliate, the value information that can be used through the affiliate is confirmed.

If value information available to the customer (or card information or a cache account) is confirmed through the affiliate, the value application unit 825 confirms the amount corresponding to the identified value information And subtracts the amount corresponding to the confirmed value information from the payment amount.

Referring to FIG. 8, when it is determined that the card information is associated with the cache account information, the relay server 110 opens a money management account of a non-financial affiliate managing the cache account And transmits the payment approval request information to the financial server 115 for processing payment approval in the cash account limit through the money management account. If the card information is not confirmed to be associated with the cache account information, (Or a virtual account in which the actual account is a parent account) associated with the card information and processes the settlement approval through the balance of the real account (or the virtual account that uses the real account as the parent account) (Or relay transmission means) for transmitting the payment approval request information to the financial company server 115, A relay receiving unit 835 (or relay receiving means) for receiving payment approval result information including the processing details, an information transmitting unit 810 for transmitting the received payment approval result information to the subscriber server 100 Or information transmission means). The financial company server 115 may be a server of the same financial institution or a server of a different financial company.

If the information confirming unit 815 confirms that the card information is associated with the cache account information, the relay transmission unit 830 opens and operates a money management account of a non-financial affiliate managing the cache account And transmits the settlement approval request information to the confirmed financial company server 115. The payment approval request information is transmitted to the financial company server 115 through the cash management account of the non-financial affiliate managing the cash account, .

On the other hand, when it is confirmed by the information checking unit 815 that the card information is associated with the cache account information, the relay transmission unit 830 transmits the real account (or the real account linked to the card information) (Or a virtual account), and transmits the settlement approval request information to the confirmed financial company server 115. The real account (or the real account linked to the card information) Of the virtual account).

After the payment approval request information is transmitted to the financial company server 115 by the relay transmission unit 830, the relay reception unit 835 receives the payment approval request from the financial company server 115, (E.g., payment approval information or settlement error information) corresponding to the request information, and the information transferring unit 810 receives the payment approval result information including the settlement approval information And transmits the received payment approval result information to the subscriber server 100 irrespective of the result.

Referring to FIG. 8, the relay server 110 is connected to the settlement synchronization D / B 870 in cooperation with a financial company server 115 that opens and operates a cash management account of a non-financial affiliate managing the cache account A settlement approval confirmation unit 840 (or a payment approval confirmation means) for confirming settlement approval within the limit of the cache account through a money management account of a non-financial affiliate managing the cache account with respect to stored synchronization target card information, When the settlement approval within the limit of the cache account is confirmed through the money management account of the non-financial affiliate managing the cache account with respect to the target card information, the cache account information, the payment amount information, and the merchant store number information (Or receiving or generating) the payment synchronization information including at least one of the payment synchronization information, (Or synchronization processing means) for transferring the settlement amount information to a self-cache system of a non-financial affiliate operating the cash account and performing a synchronization process, and the settlement amount information is transmitted to the non- (Or currency exchange processing means) for exchanging data into a cache unit of the self-cache system of the mobile terminal.

When the settlement approval result information is received from the financial company server 115 that opens and operates the cash management account of the non-financial affiliate managing the cache account through the relay receiving unit 835, the payment approval confirmation unit 840 And compares the card information included in the payment processing details included in the payment approval result information with the synchronization target card information stored in the payment synchronization D / B 870, and confirms the synchronization target payment processing history including the synchronization target card information And confirms the settlement approval within the cache account limit through the money management account of the non-financial affiliate managing the cache account by reading the synchronization target settlement processing history.

Alternatively, the payment approval confirmation unit 840 may obtain the synchronization target card information stored in the payment synchronization D / B 870 by using a bank account server 115 that opens and operates a money management account of a non-financial affiliate managing the cache account, And receives settlement approval information for the synchronization target card information from the financial company server 115 to confirm payment approval of the synchronization target card information.

Alternatively, the payment approval acknowledgment unit 840 may receive the payment information including at least one of the synchronization target card information and the cache account information from the financial company server 115 that establishes and operates the money management account of the non-financial affiliate managing the cache account The synchronization request information, and compares the synchronization target card information or the cache account information included in the received payment synchronization request information with the synchronization target card information or the cache account information stored in the storage medium, And confirms the approval.

When the payment approval of the synchronization target card information is confirmed, the payment synchronization processing unit 850 associates the payment account synchronization information with the settlement synchronization D / B 870, The payment synchronization information including at least one of the amount information and the merchant number information is confirmed.

Alternatively, the payment synchronization processing unit 850 may receive the cash account information corresponding to the payment-approved synchronization target card information from the financial company server 115 that establishes and operates the money management account of the non-financial affiliate managing the cache account, The settlement synchronization request information including at least one of the amount information and the merchant number information, and processes the payment synchronization request information as the payment synchronization information.

Alternatively, the payment synchronization processing unit 850 receives the payment synchronization request information including at least one of the synchronization target card information, the payment amount information, and the franchise number information for the payment, and the payment synchronization D / B 870 And the payment synchronization information includes at least one of the cash account information, the payment amount information, and the merchant number information.

According to another embodiment of the present invention, when the card information and the cache account information are linked and stored in the self-cache system of the non-financial affiliate, the payment synchronization information may directly store the synchronization target card information in place of the cache account information It is to be understood that the invention is not limited thereto.

Alternatively, the settlement synchronization information may include cache account balance information obtained by subtracting the settlement amount information from the cash account balance before synchronization instead of the settlement amount information, thereby clarifying that the present invention is not limited thereto .

When the payment synchronization information is confirmed, received, or generated, the payment synchronization processing unit 850 transmits the payment synchronization information to the cache account operating server 120 on the self cache system of the non-financial affiliate operating the cache account (Or cache) corresponding to the settlement amount is subtracted from the remaining amount of the cache account.

When the settlement synchronization information is confirmed, received, or generated, the currency exchange processor 845 converts the payment amount into a cache unit of the non-financial affiliate's own cache system.

According to another embodiment of the present invention, when the function of exchanging the settlement amount into the cache unit of the cache account is provided in the self-cache system of the non-financial affiliate, the exchange processor 845 may be omitted, It will be evident that the invention is not limited thereto.

If the settlement synchronization processing unit 850 synchronizes the cash account balance of the own cache system of the non-financial affiliate through the payment synchronization information with the cash account balance managed through the funds management account of the financial company server 115, It is preferable that the synchronized cache account balance information is stored in the payment management D / B 865 in association with the cache account information.

Referring to FIG. 8, the relay server 110 includes a synchronization confirmation unit 855 (or synchronization confirmation means) for confirming a change in the balance of a cache account for one or more cache accounts in association with the self-cache system of the non-financial affiliate, And a cash transaction server (115) for opening and operating a cash management account of a non-financial affiliate managing the cash account, the cash synchronization information including the cash account information and the changed cash account balance information at the time of confirming the change of the cash account balance And a cache synchronization processing unit 860 (or synchronization processing means) for synchronizing the balance of the cache account, and the cache account balance information is stored in a cache unit of the self-cache system of the non-financial affiliate A currency conversion processing unit 845 for converting the cash account balance information into an amount of the real currency unit Is further provided with a currency exchange processing means.

The synchronization confirming unit 855 notifies the synchronization target cache account information (or card information) among the cache account information (or the card information) stored in the payment management D / B 865 to the cache account (Or cash information associated with the card information) and transmits the received cash account balance information to the operation server 120 and stores the received cash account balance information in the payment management D / B 865 And comparing the cache account balance information with the cache account balance information to confirm the change of the cache account balance with respect to the cache account.

Alternatively, the synchronization confirming unit 855 may receive the cache account information (received periodically) corresponding to the change in the cache account balance from the cache account operating server 120 on the self cache system of the non-financial affiliate and the cache account balance information And confirms a change in the balance of the cache account with respect to the cache account included in the received cache synchronization request information.

When the synchronization confirmation unit 855 confirms the change in the cache account balance, the cache synchronization processing unit 860 updates the cache account balance to cache synchronization information including the changed cache account information and the changed cache account balance information To the financial company server (115) that opens and operates a cash management account of a non-financial affiliate managing the cash account, and synchronizes the cash account balance associated with the card information with the own cache system of the non-financial affiliate .

If the cache account balance information included in the cache synchronization information includes the cache unit of the own cache system of the non-financial affiliate, the currency exchange processor 845 converts the cache account balance information into the amount of the real currency unit .

According to another embodiment of the present invention, a function of exchanging the cache unit of the cache account into the real money unit is provided to the financial server 115 that opens and operates the money management account of the non-financial affiliate managing the cache account The exchange processor 845 may be omitted, and the present invention is not limited thereto.

If the balance of the cash account of the own cache system of the non-financial affiliate is synchronized with the balance of the cash account managed through the funds management account of the financial company server 115 through the cache synchronization information, the payment synchronization processing unit 850 It is preferable that the synchronized cache account balance information is stored in the payment management D / B 865 in association with the cache account information.

9A and 9B are diagrams illustrating a card settlement process of an affiliated merchant synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

More specifically, FIGS. 9A and 9B illustrate card information, payment amount information, and merchandise information included in the payment approval request telegram including dedicated BIN information among the payment approval request telegrams transmitted from the merchant terminal 125 shown in FIG. The subscriber server 100 shown in FIG. 4 transmits the card information, payment amount information, and merchant number information through the process shown in FIG. 5 or FIG. 6 The relay server 110 shown in FIG. 8 checks whether the card information included in the payment approval request information is associated with the cache account information on the non-financial affiliate cache system, When it is confirmed that the card information is associated with the cache account information, the payment approval request information is transmitted to the non-financial affiliate company To the financial company server 115 that manages the operating account, and performs payment processing within the remaining amount limit of the cash account through the funds management account. If the card information is not confirmed to be associated with the cache account information, And transmits the request information to the financial company server 115 corresponding to the card information to process the real account (or the virtual account for which the real account is the parent account) through payment of the amount deposited. Those skilled in the art will be able to refer and / or modify Figures 9a and 9b to illustrate various implementations of the card settlement process of an affiliate merchant synchronized with the non-financial affiliate cache system (e.g., An embodiment in which some steps are omitted or the order is changed), but the present invention can be applied to all of the above- It is made, including the method when, not exclusively those technical features of only the exemplary method shown in the figure 9a and figure 9b.

For example, in the process shown in FIGS. 9A and 9B, when the card information is confirmed to be associated with the cache account information, the value information is applied to the payment amount, but the value application process can be omitted. .

9A and 9B, when it is determined that the card information is associated with the cache account information, the synchronization synchronization D / B 870 transmits the synchronization target card information, the payment amount information, Information and cache account information are linked and stored, it is clear that the process of storing the settlement synchronization D / B 870 may be omitted or the order thereof may be changed.

Referring to FIGS. 9A and 9B, the card information included in the payment approval request message including exclusive BIN information, the payment amount information, and the merchant number And transmits the payment approval request message including the card information, payment amount information, and merchant number information to the subscriber server 100 shown in FIG. 4 through the process shown in FIG. 5 or FIG. When the payment approval request information is transmitted, the relay server 110 receives the payment approval request information from the subscriber server 100 (900), and the card information included in the received payment approval request information is transmitted to the non- And is associated with cache account information on the affiliate cache system (900).

According to the embodiment of the present invention, the relay server 110 confirms the card information included in the payment approval request information, and stores the confirmed card information and the cache account information in the payment management D / B 865 It is preferable to compare the card information stored in association with each other to check whether the card information is associated with the cache account, and thus the present invention is not limited thereto.

Alternatively, when the card information includes dedicated BIN information, the relay server 110 can read the BIN information of the card information to check whether the card information is associated with the cache account, The present invention is not limited thereto.

If it is not confirmed that the card information is associated with the cache account information on the non-financial affiliate cache system (910), the relay server 110 transmits the payment approval request information to the payment approval request information A financial company server 115 that opens and manages a real account (or a virtual account that uses the real account as a parent account) and processes payment approval through the balance of the real account (or a virtual account that uses the real account as a parent account) (940), and requests payment approval through the balance of the real account linked to the card information (or the virtual account having the real account as the parent account).

On the other hand, when it is confirmed that the card information is associated with the cache account information on the non-financial affiliate cache system (910), the relay server (110) (915), the card information is processed as synchronization target card information, and one or more of the synchronization target card information, payment amount information, merchant store number information, and cache account information is transmitted to the payment synchronization D / B 870).

Also, if it is confirmed that the card information is associated with cache account information on the non-financial affiliate cache system (910), the relay server (110) associates the card information with the value information D / B (875) (925) of the value information available to the customer (or the card information or the cache account) via the affiliate through the self-cache system.

In accordance with an embodiment of the present invention, the relay server 110 may associate with the value information D / B 875, the card information included in the payment approval request information, or the payment information from the payment management D / B 865 Of the value information provided to the customer (or the card information or the cache account) through the own cache system of the non-financial affiliate by checking the value information of the value provider and the value information associated with the customer information It is preferable to confirm the usable value information through the affiliate.

According to another embodiment of the present invention, the relay server 110 transmits the card information included in the payment approval request information to the self-cache system of the non-financial affiliate, or the cache information confirmed by the payment management D / B 865 It is preferable to provide value information that can be used through the affiliate among the value information provided to the customer (or the card information or the cache account) through the self-cache system of the non-financial affiliate by providing the account information.

If the value information available to the customer (or the card information or the cache account) is confirmed through the affiliate (930), the relay server 110 transmits the value corresponding to the confirmed value information (Or calculates) the amount of money, and subtracts the amount corresponding to the confirmed value information from the payment amount (935).

According to another embodiment of the present invention, when the value information is applied to the settlement amount in the self-cache system of the non-financial affiliate, the process of deducting the amount corresponding to the value information from the settlement amount can be omitted. The present invention is not limited thereto.

On the other hand, if the value information available to the customer (or the card information or the cache account) is not confirmed (930), or if the amount corresponding to the value information is subtracted from the payment amount 935), the relay server 110 opens and operates a cash management account of a non-financial affiliate that manages the cash account with the payment approval request information as the payment approval request information, and the cash account limit through the fund management account (940) to the financial company server 115 that processes the settlement approval in step 940, thereby requesting settlement approval within the cache account limit through the cash management account of the non-financial affiliate managing the cache account.

Then, the relay server 110 checks whether the payment approval result information including the payment transaction details of the payment amount is received from the financial company server 115 provided with the payment approval request information (945).

If the payment approval result information including the payment processing details of the payment amount is received from the financial company server 115 in step 950, the relay server 110 transmits the payment approval result information including the settlement approval result information to the subscriber server 100 shown in FIG. The settlement approval result information is transmitted (955), and the subscriber server 100 generates a settlement approval result corresponding to the settlement approval result information and transmits it to the merchant terminal 125 (960).

10 is a diagram illustrating a process of synchronizing a settlement amount between a non-financial affiliate cache system and a financial company server 115 according to an embodiment of the present invention.

In more detail, FIG. 10 is a flow chart illustrating a process of transferring a card payment of the affiliated merchant through a process shown in FIG. 9A and FIG. 9B in connection with a financial company server 115 for managing a cash management account of a non-financial affiliate managing the cash account, When the transaction is processed, the relay server 110 shown in FIG. 8 synchronizes the cash account balance of the own cash system of the non-financial affiliate with the cash account balance managed through the money management account of the financial company server 115 , It will be understood by those skilled in the art that various changes and modifications may be made to the process of synchronizing the settlement amount between the non-financial affiliate cache system and the financial company server 115 by referring to and / It will be appreciated that the method may be inferred from a method (e.g., an implementation where some steps are omitted or the order is changed) And the technical features thereof are not limited only by the method shown in FIG.

For example, FIG. 10 illustrates a process of exchanging the settlement amount in the synchronization process into a cache unit of the self-cache system of the non-financial affiliate, but the exchange process may be omitted, and the present invention is not limited thereto No.

Referring to FIG. 10, in connection with a financial company server 115 for managing a cash management account of a non-financial affiliate managing the cash account through the processes shown in FIGS. 9A and 9B, a card settlement process of the affiliated merchant The relay server 110 shown in FIG. 8 associates with the financial transaction server 115 that opens and operates a cash management account of a non-financial affiliate that manages the cash account, and transmits the payment transaction to the payment synchronization D / B 870 The settlement approval within the limit of the cache account is confirmed (1000) through the money management account of the non-financial affiliate managing the cache account with respect to the stored synchronization target card information.

When the settlement approval result information is received from the financial company server 115 that opens and operates the cash management account of the non-financial affiliate managing the cache account according to an embodiment of the present invention, And compares the card information included in the payment processing details included in the approval result information with the synchronization target card information stored in the payment synchronization D / B 870 to confirm the synchronization target payment processing description including the synchronization target card information, It is preferable that the settlement approval in the cache account limit is confirmed through the cash management account of the non-financial affiliate managing the cache account by reading the details of the settlement processing to be synchronized.

According to another embodiment of the present invention, the relay server 110 establishes and manages a cash management account of a non-financial affiliate that manages the cache account, with the synchronization target card information stored in the payment synchronization D / B 870 To the financial company server 115, and then receives payment approval information for the synchronization target card information from the financial company server 115 to confirm payment approval of the synchronization target card information.

According to another embodiment of the present invention, the relay server 110 receives the synchronization target card information and the cache account information from the financial company server 115, which opens and operates a money management account of a non-financial affiliate managing the cache account, Receiving synchronization request information including at least one piece of information from the payment synchronization request information, comparing synchronization target card information or cache account information included in the received payment synchronization request information with synchronization target card information or cache account information stored in the storage medium, It is preferable to confirm payment approval for the synchronization target card information.

If the payment approval of the card information to be synchronized is confirmed (1005), the relay server 110 transmits a settlement synchronization message including at least one of the cash account information, payment amount information, The information is confirmed (or received, or generated) (1010).

According to one embodiment of the present invention, the relay server 110, in association with the payment synchronization D / B 870, transmits the cache account information, the payment amount information, and the merchant number It is desirable to verify payment synchronization information that includes one or more pieces of information.

According to another embodiment of the present invention, the relay server 110 receives from the financial company server 115, which opens and operates a money management account of a non-financial affiliate managing the cache account, The settlement synchronization request information including at least one of the corresponding cache account information, payment amount information, and merchant number information, and processes the payment synchronization request information as the payment synchronization information.

According to another embodiment of the present invention, the relay server 110 receives payment synchronization request information including at least one of the synchronization target card information, the payment amount information, and the merchant point number information, Checks the cash account information associated with the synchronization target card information included in the payment synchronization request information from the D / B 870, and transmits payment synchronization information including at least one of the cash account information, the payment amount information, .

According to another embodiment of the present invention, when the card information and the cache account information are linked and stored in the self-cache system of the non-financial affiliate, the payment synchronization information may directly store the synchronization target card information in place of the cache account information It is to be understood that the invention is not limited thereto.

Also, the relay server 110 converts the payment amount information included in the payment synchronization information into a cache unit of the own cache system of the non-financial affiliate (1025).

If the settlement amount included in the settlement synchronization information is converted into the cache unit (1020), the relay server 110 can access the cache account management server 120 on the self-cache system of the non-financial affiliate operating the cache account The settlement synchronization information is transmitted so that the amount of money (or the cache) corresponding to the settlement amount is subtracted from the balance of the cache account (1025).

If the cash account balance of the non-financial affiliate's own cache system is synchronized with the cash account balance managed through the funds management account of the financial company server 115 (1030), the relay server 110 transmits the synchronized cash account Balance information is stored in the payment management D / B 865 in association with the cache account information (1035).

FIG. 11 is a diagram illustrating a process of synchronizing a cash balance between a non-financial affiliate cache system and a financial company server 115 according to an embodiment of the present invention.

In more detail, FIG. 11 is a flowchart illustrating a process of managing the cache account balance in the relay server 110 shown in FIG. 8 when the cache account balance of the own cache system of the non-financial affiliate managing the cache account is changed And a financial transaction server 115 that manages a fund management account of a non-financial affiliate of a non-financial affiliate. As a person skilled in the art to which the present invention pertains, reference is made to and / It is possible to deduce various implementation methods (for example, omitting some steps or changing the order) about the cache balance synchronization process between the non-financial affiliate cache system and the financial company server 115. However, And the technical features thereof are not limited only by the method shown in FIG.

For example, FIG. 11 illustrates a process of exchanging the balance of the cash account into the real currency unit in the synchronization process, but the exchange process may be omitted, and thus the present invention is not limited thereto.

Referring to FIG. 11, the relay server 110 shown in FIG. 8 confirms the change of the cash account balance of one or more cache accounts in connection with the own cache system of the non-financial affiliate (1100).

Here, the cash account balance is preferably changed when the customer uses the cash account balance through the own cache system of the non-financial affiliate, or charges the cache account balance.

According to one embodiment of the present invention, the relay server 110 transmits synchronization target cache account information (or card information) among the cache account information (or card information) stored in the payment management D / B 865 to the non- And transmits the received cash account balance information to the cache account management server 120 on the affiliate's own cache system to receive cache account balance information for the cache account (or the cache account associated with the card information) It is preferable to compare the cache account balance information stored in the D / B 865 to confirm the change in the cache account balance for the cache account.

According to another embodiment of the present invention, the relay server 110 may receive a cache (not shown) received (or periodically received) in response to a change in the cache account balance from the cache account operating server 120 on the self cache system of the non-financial affiliate, The cache synchronization request information including the account information and the cache account balance information is received and the cache account balance change for the cache account included in the received cache synchronization request information is confirmed.

If the change of the cache account balance is confirmed 1105, the relay server 110 receives or confirms the cache synchronization information including the changed cache account information and the changed cache account balance information in the cache account balance 1110).

In addition, the relay server 110 converts the cache account balance information included in the cache synchronization information into real currency units (1125).

If the cache account balance information included in the cache synchronization information is converted into the real currency unit (1120), the relay server 110 transmits the cash management information to the financial service company, which opens and operates the money management account of the non-financial affiliate operating the cache account The cache synchronization information is transmitted to the server 115 to synchronize the cache account balance change of the own cache system of the non-financial affiliate with the financial server 115 that opens and operates the fund management account 1125.

If the cash balance of the non-financial affiliate's own cache system is synchronized with the cash account balance managed through the cash management account of the financial company server 115 in operation 1130, the relay server 110 transmits the synchronized cash account Balance information is stored in the payment management D / B 865 in association with the cache account information (1135).

FIG. 12 is a diagram illustrating a configuration of an affiliate's own cache system for operating a cache account according to an embodiment of the present invention.

FIG. 12 is a block diagram illustrating a financial server 115 for opening and operating a cash management account for managing the cash account through the relay server 110 shown in FIG. 8 and an affiliate self cache system Those skilled in the art will appreciate that various modifications and variations of the present invention will be apparent to those skilled in the art having reference to and / It is to be understood that the present invention is not limited to the above-described embodiment, but may be embodied in various ways, all without departing from the spirit and scope of the present invention. No.

Referring to FIG. 12, the affiliate's own cache system for operating the cache account includes the merchant terminal 125 shown in FIG. 2, the subscriber server 100 shown in FIG. 4, A relay server 110, a cash account of a customer name to process charging, payment, etc. through the cash account, and a money management account for managing the cash account through the relay server 110 is opened and operated And a cache account operating server 120 in which the balance of the cash account is synchronized with the financial company server 115.

In FIG. 12, the cache account management server 120 is shown as a single server for the sake of convenience. However, the cache account management server 120 is merely an embodiment for efficiently describing the technical features of the cache account management server 120, It is clear that the cache account management server 120 may be implemented as a system composed of a plurality of servers for each functional configuration unit according to the intention and the self cache system implementation scheme.

The merchant terminal 125 includes at least one of a Credit Authorization Terminal (CAT) provided at the merchant or a POS (Point Of Sales) terminal having a payment function.

The subscriber server 100 may be a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a Code Division Multiple Access (WCDMA) A subscriber terminal 125 connected to the merchant through a public communication network including at least one of a wireless network based on a Downlink Packet Access (RBAC), an IEEE 802.1xx based wireless network, and the like, A communication channel is connected to the relay server 110 through any one of a TCP / IP (Transmission Control Protocol / Internet Protocol) based communication network or a dedicated communication network for card payment processing of an affiliated merchant, (Or a virtual account in which the real account is the parent account) of the customer name established in the financial sector, the card corresponding to the card information included in the payment approval request telegram, And when it is confirmed by the check card associated with the cache account of the customer name provided in the affiliate's own cache system, the payment approval request information including at least one of the card information, the payment amount information and the franchise number information, To the server (110).

According to the embodiment of the present invention, when the merchant terminal 125 generates and transmits a settlement approval request message using the encryption key of the subscriber terminal, the subscriber server 100 receives the payment approval request message encrypted with the encryption key of the subscriber, And decrypt the received payment approval request message with the decryption key of the vehicle.

When the payment approval request telegram is received from the merchant terminal 125, the bank server 100 transmits the card information included in the payment approval request telegram to the real account of the customer name established in the financial institution (or the real account to the parent account And confirms whether it corresponds to a check card associated with the cache account of the customer name provided in the affiliate's own cache system.

If the card corresponding to the card information included in the payment approval request telegram is associated with a real account of a customer name opened in the financial sector (or a virtual account for which the real account is a parent account) The subscriber server 100 transmits the payment approval request information including at least one of the card information, the payment amount information, and the merchant number information to the relay server 110, To the base station.

The financial company server 115 is a server provided in a financial company that opens and operates a money management account of a non-financial affiliate managing a cash account, and receives card information, payment amount information, and merchant number information from the relay server 110 , The cash account information and the cash account balance associated with the card information are confirmed and the settlement approval or disapproval of the settlement amount is determined through the fund management account within the limit of the cache account balance .

Alternatively, the financial company server 115 is a server provided in a financial institution that operates a real account linked with the card information (or a virtual account that uses the real account as a parent account), and receives, from the relay server 110, When the payment approval request information including the money amount information and the merchant number information is received, the real account linked with the card information (or the virtual account having the real account as the parent account) is confirmed, and the confirmed real account A virtual account for which the account is the parent account) and the payment amount information to determine whether to approve the payment for the payment amount.

When the settlement approval for the settlement amount is processed, the financial company server 115 generates a settlement processing history (or settlement approval result information including the settlement processing details) and transmits it to the relay server 110 .

If the financial company server 115 is authorized to settle the settlement amount through a real account linked to the card information (or a virtual account having the real account as a parent account) And therefore the detailed description thereof will be omitted for the sake of convenience.

According to the present invention, the cache account management server 120 includes a cache account D / B 1245 for storing the cache account information of the customer name, the cache account balance, and the cache account transaction history provided in the affiliate's own cache system The card information associated with the actual account of the customer's name (or the virtual account that uses the real account as the parent account) is further stored in association with the card information, and the card information may be omitted according to the intention of a person skilled in the art.

According to the embodiment of the present invention, the cache account balance stored in the cache account D / B 1245 is synchronized with the cache account balance stored in the payment management D / B via the relay server 110 shown in FIG. 8 .

Referring to FIG. 12, the cache account management server 120 includes an interface unit 1200 for connecting and managing a communication channel with the relay server 110 through a communication network, An information receiving unit 1205 (or information receiving means) for receiving payment synchronization information through a communication channel and cache account information and cache account balance information corresponding to the payment synchronization information in cooperation with the cache account D / A settlement synchronization unit 1220 for synchronizing the confirmed cache account balance information with the cash account balance corresponding to the settlement approval through the financial company server 115 And an information storage unit 1240 (or information storage means) for generating a cache account transaction record corresponding to the synchronization of the cash balance and storing the generated cash account transaction details in the cache account D / B 1245 (Or money exchange processing means) for exchanging the payment amount information included in the payment synchronization information into a cache unit of the own cache system of the non-financial affiliate. do.

The interface unit 1200 connects a communication channel for transmitting and receiving settlement related information to and from the relay server 110 through a communication protocol corresponding to the communication network connecting the cache account operating server 120 and the relay server 110 And the communication channel is maintained and managed until the information transmission / reception is completed.

The information receiving unit 1205 receives the payment synchronization information including at least one of the cash account information, the payment amount information, and the franchise number information from the relay unit 110 connected to the communication channel, And the payment synchronization information is received from the relay server 110 in association with the payment synchronization information.

According to another embodiment of the present invention, it is clear that the payment synchronization information may directly include the synchronization target card information instead of the cache account information, and thus the present invention is not limited thereto.

Alternatively, the settlement synchronization information may include cache account balance information obtained by subtracting the settlement amount information from the cash account balance before synchronization instead of the settlement amount information, thereby clarifying that the present invention is not limited thereto .

When the payment synchronization information is received, the information checking unit 1215 confirms the cache account information and the cache account balance information corresponding to the payment synchronization information in association with the cache account D / B 1245.

When the payment synchronization information including the cache account information is received according to an embodiment of the present invention, the information confirmation unit 1215 associates the cache account information included in the payment synchronization information with the cache account D / B 1245 It is desirable to confirm the associated cache account balance information.

In the case where payment synchronization information including synchronization target card information is received according to another embodiment of the present invention, the information confirmation unit 1215 associates with the cache account D / B 1245, It is desirable to confirm the cache account information and the cache account balance information associated with the card information.

When the settlement amount included in the settlement synchronization information is included in the real currency unit, the currency exchange processor 1235 converts the payment amount into a cache unit of the own cache system of the non-financial affiliate.

According to another embodiment of the present invention, when the settlement amount is converted in the cache unit, the exchange processor 1235 may be omitted, and the present invention is not limited thereto.

When the cash account information and the cash account balance information corresponding to the payment synchronization information are confirmed, the payment synchronization unit 1220 transmits the confirmed cash account balance information to the cache account corresponding to the payment approval through the financial company server 115 And the balance is synchronized.

According to an embodiment of the present invention, when the settlement amount information through the financial company server 115 is included in the settlement synchronization information, the settlement amount information is subtracted from the cache account balance information to calculate the balance of the synchronization object cache account , And stores the calculated cash account balance information in the cache account D / B 1245 in association with the cache account information.

According to an embodiment of the present invention, when the settlement synchronization information includes cache account balance information obtained by subtracting the settlement amount from the cash account balance before synchronization, the cash settlement synchronization information may associate the cache account balance information with the cache account information, D / B 1245, as shown in Fig.

When the balance of the cash account is synchronized by the settlement synchronization unit 1220, the information storage unit 1240 generates a cache account transaction history corresponding to the synchronization of the cash balance, and transmits the generated cache account transaction history to the cache And is stored in the cache account D / B 1245 in association with the account information.

According to the method of the present invention, it is preferable that the cache account transaction details corresponding to the settlement synchronization include at least one of the merchant number information and the offline affiliate merchant settlement flag in the cache account balance use history, It is possible to confirm that the account transaction history is the details of settlement processing through the offline affiliate merchant in addition to the cache transaction in the affiliate cache system itself.

Referring to FIG. 12, the cash account operating server 120 may receive a balance change confirmation request for checking whether a cash account balance associated with the cache account information is changed through an internal transaction (for example, use of a cache, charge, settlement, And transmits the cache synchronization request information including the cache account information and the changed cache account balance information to the relay server 110 when the cash account balance is changed, And a cache synchronization unit 1225 (or a cache synchronization unit) for processing the cache balance balance information to be synchronized with the cache balance of the server 115, 1235) (or a currency exchange processing means) for exchanging the cash account balance information with an amount of the real currency unit, (Or currency exchange processing means).

The balance change confirmation unit 1230 checks whether the cash account balance associated with the cache account is changed by an internal transaction (for example, use of a cache, charge, settlement, or refund) through the cache account, The cache synchronization unit 1225 transmits the cache synchronization request information including the cache account information and the changed cache account balance information to the relay server 110 to change the cache So as to be synchronized with the balance.

Alternatively, the cache synchronization unit 1225 may receive the synchronization target cache account information (or card information) from the relay server 110, and may store cache account information (or card information) corresponding to the received synchronization target cache account information And the changed cache account balance information to the relay server 110 so as to be synchronized with the cash balance of the financial company server 115. Thus, the present invention is not limited thereto .

The exchange processor 1235 converts the cash account balance information into an amount of the real currency unit. The cash server unit 115 or the financial server 115 may be configured to exchange the cache unit of the cache account in real money When the function of exchanging money is provided, the exchange processor 1235 can be omitted, and the present invention is not limited to this.

FIG. 13 is a diagram illustrating a process of synchronizing a settlement amount of a non-financial affiliate cash system according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates a process of transmitting settlement synchronization information from the relay server 110 shown in FIG. 8 to the cache account management server 120 shown in FIG. 12 through the process shown in FIG. The cache account management server 120 synchronizes the cash account balance of the own cache system of the non-financial affiliate with the cash account balance managed through the money management account of the financial company server 115 based on the payment synchronization information The present invention can be applied to various methods of synchronizing the settlement amount of the non-financial affiliate cash system by referring to and / or modifying FIG. 13 (for example, Is omitted, or the order is changed), but the present invention can be applied to any method And the technical features thereof are not limited only by the method shown in FIG.

For example, FIG. 13 illustrates a process of exchanging the payment amount in the synchronization process into a cache unit of the self-cache system of the non-financial affiliate. However, the exchange process may be omitted, No.

Hereinafter, in FIG. 13, the cache account management server 120 shown in FIG. 12 is referred to as a "server" for the sake of convenience.

Referring to FIG. 13, when the relay server 110 shown in FIG. 8 transmits the payment synchronization information to the cache account operating server 120 shown in FIG. 12 through the process shown in FIG. 10, From the relay server 110, payment synchronization information including at least one of the cash account information, the payment amount information, and the franchise number information (1300).

According to another embodiment of the present invention, it is clear that the payment synchronization information may directly include the synchronization target card information instead of the cache account information, and thus the present invention is not limited thereto.

Alternatively, the settlement synchronization information may include cache account balance information obtained by subtracting the settlement amount information from the cash account balance before synchronization instead of the settlement amount information, thereby clarifying that the present invention is not limited thereto .

If the payment synchronization information is received (1305), the server confirms the cache account information and the cache account balance information corresponding to the payment synchronization information in connection with the cache account D / B (1245) (1310).

When the payment synchronization information including the cache account information is received according to an embodiment of the present invention, the server associates the cash account D / B 1245 with the cache account balance associated with the cache account information included in the payment synchronization information It is desirable to verify the information.

In accordance with another embodiment of the present invention, when the payment synchronization information including the synchronization target card information is received, the server associates with the cache account D / B 1245 and synchronizes with the synchronization target card information included in the payment synchronization information It is preferable to confirm the cache account information and the cache account balance information.

Also, if the settlement amount included in the settlement synchronization information is included in the real currency unit, the server converts the settlement amount into a cache unit of the own cache system of the non-financial affiliate (1315).

According to another embodiment of the present invention, when the settlement amount is transferred in the cache unit, the exchange process may be omitted, and the present invention is not limited thereto.

If the settlement amount is converted into the cache unit 1320, the server deducts the settlement amount from the cache account balance stored in the cache account D / B 1245 and transmits the cache account from the financial company server 115 (1320) with the cash account balance of the managed funds management account.

According to another embodiment of the present invention, when the settlement synchronization information includes cache account balance information obtained by subtracting the settlement amount from the balance of the cash account before synchronization, the cash settlement synchronization information may be associated with the cache account information, And stores it in the account D / B 1245 to synchronize with the cash account balance of the funds management account managing the cache account in the financial company server 115. [

Thereafter, the server generates a cash account transaction record corresponding to the cash balance synchronization (1325) and stores the generated cash account transaction history in the cache account D / B 1245 in association with the cache account information (1330).

According to the method of the present invention, it is preferable that the cache account transaction details corresponding to the settlement synchronization include at least one of the merchant number information and the offline affiliate merchant settlement flag in the cache account balance use history, It is possible to confirm that the account transaction history is the details of settlement processing through the offline affiliate merchant in addition to the cache transaction in the affiliate cache system itself.

FIG. 14 is a diagram illustrating a process of synchronizing a cash balance of a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, FIG. 14 is a flowchart illustrating an operation of the cache account management server 120 shown in FIG. 12 when the balance of the cache account is changed by an internal transaction (for example, use of a cache, charge, settlement, The server 120 generates cache synchronization request information for synchronizing the changed cash account balance with the financial server 115 in which the money management account for managing the cache account is established, and transmits the cache synchronization request information to the relay server 110 shown in FIG. The present invention can be applied to various methods of synchronizing the cash balance of the non-financial affiliate cache system by referring to and / or modifying FIG. 14 For example, some steps may be omitted or the order may be changed), but the present invention is not limited to these embodiments, Becomes fish, it shall not be limited to the technical features that only the exemplary method shown in the figure 14.

Hereinafter, in FIG. 14, the cache account management server 120 shown in FIG. 12 is referred to as a "server" for the sake of convenience.

Referring to FIG. 14, the server associates the cache account D / B 1245 with a cache account associated with the cache account by an internal transaction (for example, use of a cache, charge, settlement, It is checked whether the balance is changed (1400).

If the change in the cash account balance is confirmed 1405, the server checks 1410 the cache account information for which the balance change has been confirmed and the cache account balance information for the cache account from the cache account D / B 1245, , Generates cache synchronization request information including the cache account information and the changed cache account balance information and transmits the generated cache synchronization request information to the relay server 110 shown in FIG. 8 (1415). In response, the relay server 110 The cash account balance is synchronized to the financial company server 115 through the process shown in FIG.

FIG. 15 is a diagram illustrating a payment approval system configuration synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

FIG. 15 is a flowchart illustrating an operation of a financial institution that opens and operates a cash management account of a non-financial affiliate managing cash accounts provided in the cash account management server 120 shown in FIG. 12, Processing the payment approval request information corresponding to the payment approval request message transmitted from the payment server 125 in the remaining amount limit of the cash account based on the money management account, (Or the cache account balance information associated with the funds management account) is synchronized with the cache account operating server 120 shown in FIG. 12 via the relay server 110 shown in FIG. 8 Those skilled in the art will be able to refer to and / or modify FIG. 15 to determine whether the non-financial affiliate cache system It will be appreciated that various implementations of the evolved payment authorization system (e.g., some of the components may be omitted, or fragmented, or combined) may be inferred, but the invention includes all such contemplated embodiments, The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 15, the payment approval system synchronized with the non-financial affiliate cache system includes the merchant terminal 125 shown in FIG. 2, the subscriber server 100 shown in FIG. 4, 12, the cash account management server 120 shown in FIG. 12, and the cash management account of the non-financial affiliate managing the cache account in the cache account management server 120 are opened and operated And processing the settlement processing for settlement approval request information transmitted from the relay server 110 within a balance limit of the cache account based on the fund operation account, (Or the cash account balance information associated with the cash management account) is synchronized with the cash account operating server 120 shown in FIG. 12 via the relay server 110 shown in FIG. 8 And a financial server 115. The financial company server 115 has a real account of a customer name (or a virtual account having the real account as a parent account) that is linked to a card associated with the cache account The present invention is not limited to this.

In FIG. 15, the financial company server 115 is shown as a single server for the sake of convenience. However, this is merely a method for efficiently describing the technical characteristics of the financial company server 115 in the present invention. It is clear that the financial company server 115 may be implemented in the form of a system composed of a plurality of servers for each functional component according to the system implementation method.

The merchant terminal 125 includes at least one of a Credit Authorization Terminal (CAT) provided at the merchant or a POS (Point Of Sales) terminal having a payment function.

The subscriber server 100 may be a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired communication network, a Code Division Multiple Access (WCDMA) A subscriber terminal 125 connected to the merchant through a public communication network including at least one of a wireless network based on a Downlink Packet Access (RBAC), an IEEE 802.1xx based wireless network, and the like, A communication channel is connected to the relay server 110 through any one of a TCP / IP (Transmission Control Protocol / Internet Protocol) based communication network or a dedicated communication network for card payment processing of an affiliated merchant, (Or a virtual account in which the real account is the parent account) of the customer name established in the financial sector, the card corresponding to the card information included in the payment approval request telegram, And when it is confirmed by the check card associated with the cache account of the customer name provided in the affiliate's own cache system, the payment approval request information including at least one of the card information, the payment amount information and the franchise number information, To the server (110).

*

According to the embodiment of the present invention, when the merchant terminal 125 generates and transmits a settlement approval request message using the encryption key of the subscriber terminal, the subscriber server 100 receives the payment approval request message encrypted with the encryption key of the subscriber, And decrypt the received payment approval request message with the decryption key of the vehicle.

When the payment approval request telegram is received from the merchant terminal 125, the bank server 100 transmits the card information included in the payment approval request telegram to the real account of the customer name established in the financial institution (or the real account to the parent account And confirms whether it corresponds to a check card associated with the cache account of the customer name provided in the affiliate's own cache system.

If the card corresponding to the card information included in the payment approval request telegram is associated with a real account of a customer name opened in the financial sector (or a virtual account for which the real account is a parent account) The subscriber server 100 transmits the payment approval request information including at least one of the card information, the payment amount information, and the merchant number information to the relay server 110, To the base station.

The financial company server 115 is a server provided in a financial company that opens and operates a money management account of a non-financial affiliate managing a cash account, and receives card information, payment amount information, and merchant number information from the relay server 110 , The cash account information and the cash account balance associated with the card information are confirmed and the settlement approval or disapproval of the settlement amount is determined through the fund management account within the limit of the cache account balance .

Alternatively, the financial company server 115 is a server provided in a financial institution that operates a real account linked with the card information (or a virtual account that uses the real account as a parent account), and receives, from the relay server 110, When the payment approval request information including the money amount information and the merchant number information is received, the real account linked with the card information (or the virtual account having the real account as the parent account) is confirmed, and the confirmed real account A virtual account for which the account is the parent account) and the payment amount information to determine whether to approve the payment for the payment amount.

In the present invention, the financial company server 115 is a generic name of servers provided on the financial institution side for payment approval processing and synchronization processing for the payment approval request information, and the server owner (or operator) does not necessarily have to be a financial company , It is evident that the present invention is not limited thereto.

The cash account operating server 120 stores the cash account information of the customer name, the cash account balance, and the cache account transaction history of the customer name in the cache account system of the affiliate in the cache account D / B, The virtual account having the actual account as the parent account) and the card information associated with the virtual account are further stored, and the card information may be omitted according to the intention of a person skilled in the art.

According to the present invention, the financial company server 115 is associated with a real account of a customer's name (or a virtual account for which the real account is a parent account), and the cache account of the customer name provided in the self- The cash account information, the cash account balance information, and the cash management account information of the non-financial affiliate operating the cash account, and stores the information in the account information of the customer name associated with the card information And a settlement approval management D / B (1570) for further associating and storing the corresponding real account information (or virtual account information using the real account as the parent account).

Referring to FIG. 15, the financial company server 115 includes an interface unit 1500 for connecting and managing a communication channel with the relay server 110 through a communication network, (Or information receiving means) 1505 (or information receiving means) for receiving the payment approval request information through the payment approval management D / B 1570, An information confirming unit 1515 (or an information confirming means) for confirming whether or not the card information is associated with the card information, and a cache memory for storing cache information for the cache account information associated with the card information through the fund management account, A cash interlocking payment unit 1520 (or a payment approval processing unit) for approving payment of the settlement amount within the account balance limit; An account interlocking payment unit 1525 (or a payment approval processing unit) for approving payment of the settlement amount through a real account (or a virtual account having the real account as a parent account), and a payment transaction history A history generating unit 1545 (or a history generating unit) that generates payment approval result information (for example, payment approval information or payment error information), an information generating unit 1550 that generates payment approval result information including the generated payment processing details, (Or information generating means), and an information transmitting unit 1510 (or information transmitting means) for transmitting the generated payment approval result information to the relay server 110 via the communication channel A money exchange processing unit (or a money exchange processing unit) for exchanging the settlement amount included in the payment approval request information into the cache unit of the cache account or the cache account balance information, And further comprising a means) is characterized in that formed.

The interface unit 1500 connects a communication channel for transmitting and receiving settlement related information to and from the relay server 110 through a communication protocol corresponding to a communication network connecting the financial company server 115 and the relay server 110, And the communication channel is maintained and managed until the information transmission / reception is completed.

The relay server 110 connected to the communication channel generates payment approval request information including at least one of card information, payment amount information and merchant number information, and transmits the payment approval request information through the communication network. 1500) and receives the payment approval request information from the relay server (110).

According to another embodiment of the present invention, when the payment approval request information including at least one of the card information, the payment amount information, and the franchise number information is transmitted from the subscriber server 100 shown in FIG. 4, the information receiver 1505 May receive the payment approval request information from the subscriber server 100 in association with the interface unit 1500, and thus the present invention is not limited thereto.

When the payment approval request information is received, the information checking unit 1515 compares the card information included in the payment approval request information with the card information stored in the payment approval management D / B 1570, And checks whether the card information included in the cash account is processed in association with the cache account.

If the card information is associated with a real account of a customer's name (or a virtual account for which the real account is a parent account) and dedicated BIN information associated with the cache account of the customer name provided in the own cache system of the non- The information verifying unit 1515 reads the BIN information of the card information included in the payment approval request information to check whether the card information included in the payment approval request information is associated with the cache account desirable.

When the cash settlement amount is compared with the cash account balance of the cache account associated with the card information in the cache unit of the affiliate's own cache system, the currency exchange processor transmits the settlement amount included in the payment approval request information to the affiliate's own cache system The exchange server 110 or the relay server 110 may omit the exchange processor when the payment amount is exchanged in the cache unit.

Or compares the settlement amount with the cash account balance of the cache account associated with the card information in units of real currency, and if the cache account balance information stored in the payment approval management D / B 1570 is the cache of the affiliate's own cache system Unit, the currency exchange processor may exchange the cash account balance information stored in the payment approval management D / B 1570 into the real currency unit.

When it is determined that the card information is associated with the card information by the information checking unit 1515, the cash interlocking payment unit 1520 determines whether or not the cash management account of the non-financial affiliate managing the cache account associated with the card information And compares the balance with the payment amount included in the payment approval request information. If the balance of the fund management account is equal to or greater than the payment amount, the payment approval management D / B 1570 Comparing the balance of the stored cash account with the settlement amount, and if the balance of the cash account is equal to or greater than the settlement amount, approving the settlement amount included in the settlement approval request information, If the amount of the settlement approval request information is smaller than the amount, the settlement amount included in the settlement approval request information is not approved.

If it is not confirmed that the card information has been linked with the card information by the information checking unit 1515, the account-linked payment unit 1525 transmits the real account (or the real account) of the customer name associated with the card information (Or a virtual account to be a parent account), compares the balance with a settlement amount included in the payment approval request information, and if the balance of the real account (or a virtual account that uses the real account as a parent account) is equal to or greater than the payment amount , When the balance of the actual account (or the virtual account for which the actual account is the parent account) is smaller than the payment amount, the payment amount included in the payment approval request information Is not approved.

If the settlement approval for the settlement amount included in the settlement approval request information is processed through the cash interlocking settlement unit 1520 and the account interlocking settlement unit 1525, And the settlement processing information including at least one of the settlement approval information and the settlement error information.

The information generating unit 1550 generates the payment approval result information including the payment transaction details according to a predetermined information structure, and the information transfer unit 1510 transmits the payment approval result information, To the relay server 110 (or the subscriber server 100) that has transmitted the payment approval request information.

Referring to FIG. 15, the financial company server 115 includes a payment approval confirmation unit 1530 (or a payment approval confirmation means) for confirming payment approval through a cache account associated with the card information, , And a payment synchronization unit 1535 (or synchronization processing means) for transmitting payment synchronization request information including at least one of the payment information and the cache account information to the relay server 110 .

If the settlement approval for the settlement amount included in the settlement approval request information is processed through the cash interlocking settlement unit 1520 and the account interlocking settlement unit 1525, (For example, by confirming the settlement approval information or the settlement error information included in the settlement processing history), the settlement approval within the limit of the cash account balance through the fund management account for the settlement amount is confirmed .

If the settlement approval within the cash account balance limit is confirmed through the fund management account for the settlement amount, the settlement synchronization unit 1535 transmits the settlement synchronization request information including at least one of the payment information and the cache account information, And transmits it to the relay server 110 shown in FIG. 8.

According to an embodiment of the present invention, the payment synchronization request information may include at least one of the card information or the cache account information, the payment amount information, and the merchant number information.

According to an embodiment of the present invention, when processing the payment synchronization based on the payment approval result information in the relay server 110 shown in FIG. 8, the payment synchronization unit 1535 may be omitted, The present invention is not limited thereto.

Referring to FIG. 15, when the payment approval confirmation unit 1530 confirms payment approval within the cash account balance limit through the money management account for the payment amount, the financial company server 115 transmits the cash account And a settlement processing unit 1565 (or a settlement processing means) for withdrawing the settlement-approved amount from the fund management account managed by the fund management account and transferring the settlement-approved amount to a merchant account corresponding to the franchise number information.

When the settlement approval unit 1530 confirms payment approval within the cash account balance limit through the fund management account for the settlement amount, the settlement processing unit 1565 opens a fund management account for managing the cache account (For example, a ledger for the fund management account is stored) in the fund management account, and transfers the settlement approved amount to the account of the affiliated store corresponding to the affiliated store number information.

Referring to FIG. 15, the financial company server 115 includes a synchronization information receiver 1555 for receiving cache synchronization information including cache account information and cache account balance information from the relay server 110 through the interface unit 1500 (Or synchronization information receiving means) for confirming cache account balance information associated with cache account information included in the received cache synchronization information in association with the payment approval management D / B 1570 And a cache synchronization unit 1540 (or synchronization processing means) for updating the cache account balance with the cache account balance information included in the cache synchronization information and synchronizing the cache account balance with the cache account balance information. .

The relay server 110 shown in FIG. 8 transmits the cache synchronization information including the cache account information and the cache account balance information to the synchronization information receiving unit 1555, And cache synchronization information including information and cache account balance information.

According to another embodiment of the present invention, the cache synchronization information may include the card information instead of the cache account information, so that the present invention is not limited thereto.

When the cache synchronization information is received, the synchronization confirmation unit 1560 confirms cache account information matching the cache account information included in the cache synchronization information in association with the payment approval management D / B 1570, And confirms the cache account balance information associated with the checked cache account information as a synchronization target for the cache synchronization information.

When the synchronization target of the cache synchronization information is confirmed, the cache synchronization unit 1540 updates the cache account balance information included in the cache synchronization information with the synchronization target cache account balance information and performs synchronization processing.

FIG. 16 is a diagram illustrating a payment approval process synchronized with a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, FIG. 16 is a flow chart illustrating a process of transferring card information, payment amount information, and payment amount information from the relay server 110 shown in FIG. 8 to the financial company server 115 shown in FIG. 15 through the process shown in FIGS. 9A and 9B. When the payment approval request information including the merchant number information is received, the card information included in the payment approval request information is transmitted from the financial company server 115 to the cache account operated by the cache account operating server 120 shown in FIG. And when it is confirmed that the card information is associated with the cache account, the payment processing unit processes the payment amount within the remaining amount limit of the cache account through the money management account, and the card information and the cache account are linked The settlement amount is paid through the actual account of the customer's name associated with the card information (or the virtual account having the real account as the parent account) As shown in FIG. 16, if a person skilled in the art is familiar with the present invention, various methods of payment approval process synchronized with the non-financial affiliate cache system The present invention is not limited to the above-described embodiments, but can be applied to other embodiments of the present invention. For example, Is not limited.

For example, in FIG. 16, a money management account for managing the cache account and a real account of the customer name (or a virtual account for using the real account as a parent account) are opened and operated in the financial company server 115 However, the present invention is not limited thereto, and it is clear that the money management account and the real account (or the virtual account having the actual account as the parent account) can be opened and operated in different financial service servers 115 I will.

Referring to FIG. 16, the relay server 110 shown in FIG. 8 through the process shown in FIG. 9A and FIG. 9B transmits card information, settlement amount information, When the payment approval request information including the number information is transmitted, the financial company server 115 receives the payment approval request information including the card information, payment amount information, and merchant point number information from the relay server 110 (1600 ) And checks whether the card information included in the received payment approval request information is associated with a cache account managed by the cache account operating server 120 shown in FIG. 12 (1605).

According to the embodiment of the present invention, the financial company server 115 compares the card information included in the payment approval request information with the card information stored in the payment approval management D / B 1570, It is preferable to check whether the card information is associated with the cache account.

If the card information is associated with a real account of a customer's name (or a virtual account for which the real account is a parent account) and dedicated BIN information associated with the cache account of the customer name provided in the own cache system of the non- The bank server 115 reads the BIN information of the card information included in the payment approval request information to check whether the card information included in the payment approval request information is associated with the cache account Do.

If it is determined that the card information included in the payment approval request information is not associated with the cache account (1610), the financial company server 115 transfers the card information from the payment approval management D / (Or a virtual account in which the real account is a parent account) (1615), and in connection with the financial system in which the real account (or a virtual account in which the real account is a parent account) is opened (Via the payment approval management D / B 1570) when the management D / B 1570 includes the balance of the actual account (or the virtual account for which the actual account is the parent account) (Or a virtual account in which the actual account is the parent account), and compares the balance of the confirmed real account (or the virtual account for which the real account is the parent account) with the settlement amount included in the payment approval request information, Amount of payment (Step 1620).

If the settlement amount is approved through the actual account (or a virtual account for which the real account is the parent account) (1625), the financial company server 115 transmits a settlement process including payment approval information for the settlement amount (1670), generates payment approval result information including the payment transaction details, and transmits it to the relay server 110 shown in FIG. 8 (1675).

On the other hand, if the settlement amount is not approved (step 1625) through the actual account (or the virtual account that uses the real account as the parent account), the financial company server 115 transmits a payment containing the settlement error information (1630), generates payment approval result information including the payment transaction details, and transmits the payment approval result information to the relay server 110 shown in FIG. 8 (1675).

Meanwhile, when it is confirmed that the card information included in the payment approval request information is linked with the cache account (1610), the financial company server 115 receives the payment information from the payment approval management D / B 1570 (1635) the account information, the cash account balance information, and the cash management account information of the non-financial affiliate managing the cash account (1635), and in connection with the financial system in which the fund management account is opened (Through the payment approval management D / B 1570 when the fund management account balance is included in the account management account 1570), the balance of the fund management account for managing the cache account associated with the card information, In operation 1640, the settlement approval for the settlement amount is confirmed by comparing the balance of the operational account with the settlement amount included in the settlement approval request information.

If the settlement approval of the settlement amount is not confirmed 1645, the financial company server 115 generates a settlement processing description including settlement error information for the settlement amount 1630, The payment approval result information including the payment processing details is generated and transmitted to the relay server 110 shown in FIG. 8 (1675).

If the settlement approval of the settlement amount is confirmed (1645), the financial company server 115 exchanges the settlement amount included in the settlement approval request information into the cache unit of the cache account (1650) .

According to another embodiment of the present invention, when the settlement amount is converted in the cache unit by the subscriber server 100 or the relay server 110, the exchange processor may be omitted.

According to another embodiment of the present invention, the financial company server 115 may exchange the balance of the cash account stored in the payment approval management D / B 1570 into the unit of real currency, No.

If the payment amount is changed to the cache unit 1655, the financial company server 115 compares the payment amount included in the payment approval request information with the checked cash account balance, (1660).

According to the embodiment of the present invention, the financial company server 115 compares the payment amount with the cash account balance, and if the cash account balance is equal to or greater than the payment amount, And if the cash account balance is smaller than the settlement amount, the settlement amount included in the settlement approval request information is not approved.

If the limit of the settlement amount through the cash account balance is not processed 1665, the financial company server 115 generates a settlement processing description including settlement error information for the settlement amount 1630, And transmits the generated payment approval result information to the relay server 110 shown in FIG. 8 (1675).

On the other hand, when the limit of the settlement amount through the balance of the cash account is processed (1665), the financial company server 115 generates a settlement processing description including settlement approval information for the settlement amount (1670) And transmits the generated payment approval result information to the relay server 110 shown in FIG. 8 (1675).

FIG. 17 is a diagram illustrating a process of synchronizing a settlement amount between a financial company server 115 and a non-financial affiliate cash system according to an embodiment of the present invention.

In more detail, FIG. 17 is a flow chart illustrating the process of the settlement process of the financial institution server 115 (FIG. 15) after the payment amount included in the payment approval request information received by the financial company server 115 shown in FIG. The relay server 110 shown in FIG. 8 confirms / generates the settlement synchronization request information for the settlement request that has been approved through the cache account balance managed by the cache account management server 120 shown in FIG. 12, A person skilled in the art will be able to refer to and / or modify FIG. 17 to synchronize the settlement amount between the financial company server 115 and the non-financial affiliate cash system It is to be understood that the invention may be practiced in many different ways (e.g., omitting some steps, And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 17, the payment amount included in the payment approval request information received by the financial company server 115 shown in FIG. 15 through the process shown in FIG. 16 corresponds to the cash account operating server 120, the financial company server 115 transmits the payment approval request information received by the financial company server 115 shown in FIG. 15 through the process shown in FIG. 16 (1700) whether the settlement amount is included in the settlement request approved by the cache account balance managed by the cache account operating server 120 shown in FIG.

According to the embodiment of the present invention, the financial company server 115 reads the settlement processing history (e.g., confirms the settlement approval information included in the settlement processing history or the settlement error information) It is preferable to confirm whether or not the payment has been approved within the cash account balance limit through the management account.

If the payment authorization for the payment request that has been limited by the balance of the cache account is confirmed 1705, the financial company server 115 confirms the payment synchronization request information including at least one of the payment approved card information or the cache account information (Or generates) the payment synchronization request information (step 1710), and transmits the confirmed (or generated) payment synchronization request information to the relay server 110 shown in FIG. 8 (1715) And synchronizes the settlement synchronization request information through the process shown in FIG.

According to an embodiment of the present invention, the payment synchronization request information may include at least one of the card information or the cache account information, the payment amount information, and the merchant number information.

FIG. 18 is a diagram illustrating a process of synchronizing a cash balance between a financial company server 115 and a non-financial affiliate cache system according to an embodiment of the present invention.

In more detail, FIG. 18 shows cache account information and cache account balance information from the relay server 110 shown in FIG. 8 through the process shown in FIG. 11 in the financial company server 115 shown in FIG. The cache synchronization information is synchronized with the received cache synchronization information by checking the synchronization target of the received cache synchronization information. As a person skilled in the art, Referring to and / or modified with reference to FIG. 18, various methods of synchronizing the balance of cash balance between the financial server 115 and the non-financial affiliate cache system (for example, omitting some steps or changing the order) However, the present invention is not limited to the above-described embodiments, The technical characteristics are not limited.

Referring to FIG. 18, when the relay server 110 shown in FIG. 8 transmits cache synchronization information including cache account information and cache account balance information through the process shown in FIG. 11, the transaction server 110 Receives cache synchronization information including the cache account information and the cache account balance information from the relay server 110 (1800).

According to another embodiment of the present invention, the cache synchronization information may include the card information instead of the cache account information, so that the present invention is not limited thereto.

Thereafter, in step 1805, a synchronization target of the cache synchronization information is confirmed in association with the payment approval management D / B 1570.

According to the embodiment of the present invention, the financial company server 115 confirms cache account information matched with the cache account information included in the cache synchronization information in association with the payment approval management D / B 1570, It is preferable that the cache account balance information associated with the cache account information is confirmed as a synchronization target for the cache synchronization information.

If the synchronization target of the cache synchronization information is confirmed 1810, the financial company server 115 updates the cache account balance information included in the cache synchronization information with the synchronization target cache account balance information and performs a synchronization process 1815 ).

100: a bank server 105: a card company server
110: Relay server 115: Financial company server
120: Cash account operating server 125: Merchant terminal

Claims (5)

A method executed via a server associated with a cache system of a non-financial affiliate that opens and operates a customer cache account for managing a cache that the customer is charging and processes the self-settlement using the cache filled in the customer cache account,
The card company registers the card information of the real card provided to the specific customer of the affiliated company and associates with the cache account information corresponding to the customer's cache account of the specific customer operated in the cache system of the affiliate, A first step of storing;
The balance information of the customer's cache account of the specific customer is received from the cache system of the affiliate company and stored in the billing management D / B in association with the cache account information of the specific customer, or the balance of the customer's cache account is stored through the cache system of the affiliate company A second step of receiving balance information of the changed customer cache account within the cache system of the affiliate within a predetermined time after the change, and updating the balance information of the customer cache account stored in the payment management D / B;
A third step of confirming the payment approval request information corresponding to the message transmitted in accordance with the procedure specified for the payment approval request from the merchant terminal provided in the offline merchant of the financial region through the designated route;
A fourth step of reading out the card information included in the payment approval request information and confirming that it is card information of the physical card associated with the cache account information of the specific customer;
If the card information of the payment approval request information is card information of the physical card associated with the cache account information of the specific customer, the settlement approval request information is transmitted through the balance information of the customer cache account recently stored or updated in the payment management D / To determine a settlement approval for a settlement amount included in the payment transaction; And
The balance information is subtracted from the remaining amount information of the customer cache account stored in the payment management D / B at the time of payment approval to change the balance information and at the same time the payment approval result information is transmitted to the merchant terminal through the designated route Generates settlement synchronization information for synchronizing the balance information changed in the settlement management D / B with the balance of the customer cache account operated in the cache system of the affiliate by a settlement approval using the real card within a predetermined time, The method comprising the steps of: (a) providing a cache system of a non-financial affiliate including at least one financial institution as a cache system of a non-financial affiliate.
The method according to claim 1,
Wherein the offline franchise point includes a payment franchise point of the financial sector,
Wherein the affiliate company includes an affiliate of a non-financial affiliate that operates a self-caching system for charging a customer's cache account for a cache that can not be used for settlement of the offline merchant, A method of payment by an offline merchant using a bank.
The system according to claim 1,
The customer's real account opened in the financial sector and the virtual account of the customer,
And a card that is linked to a customer cache account provided in the cache system of the non-financial affiliate.
The method as claimed in claim 1,
If payment is approved through the balance of the cache account,
And a step of performing settlement of the money corresponding to the settlement approved payment amount to the financial account of the off-line merchant through the fund management account of the affiliate company established in the financial company, A method of payment by an offline merchant using a bank.
The method as claimed in claim 1,
And a flag for identifying that the balance of the customer cache account operated inside the cache system is changed or subtracted from the outside of the cache system of the affiliate by reading the real card from the merchant terminal of the offline merchant and approving the requested payment, A credit card payment method of an offline merchant using a cash system of a non-financial affiliate.

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