KR20200013908A - A payment service opening method of a payment terminal and the payment terminal - Google Patents

Abstract

A method according to an embodiment of the present invention relates to a payment service opening method of an affiliated store payment terminal, comprising: a step of executing an opening application for opening in a payment terminal where a payment service is not opened yet; a step of accessing a financial server providing the payment service according to an operation of the opening application; a step of performing a user purchase authentication corresponding to the payment terminal according to an input of the opening application interface; a step of receiving the opening information for the opening from a user when the purchase authentication is completed; a step of processing an opening application conversion by using the opening information; and a step of transmitting the converted application to the financial server in which the purchase authentication has been performed. Therefore, the present invention is capable of improving an efficiency of a workforce and reducing costs.

Description

A PAYMENT SERVICE OPENING METHOD OF A PAYMENT TERMINAL AND THE PAYMENT TERMINAL}

The present invention relates to a payment terminal. More specifically, the present invention relates to a payment service opening method of a merchant payment terminal and a payment terminal thereof.

Generally, cash, credit cards or debit cards are used to settle transactions that occur offline. Recently, the use of credit cards has been recommended as a way to increase the transparency of taxation in commerce.

In order to use the card, the affiliated store transmits the payment data using the payment terminal to the relay server, and the relay server processes the payment approval request to the card company server and transmits the result to the payment terminal.

Currently, the majority of merchants are using the payment terminal to process payment approval, and in particular, as the number of small merchants surges due to the diversification of products and services, the inquiries and receipt of the opening of the payment terminal for this are increasing rapidly.

However, payment terminals are subject to direct sales record management and industry-specific tax imposition, and are financial devices that directly drive the payment process, and the new opening procedure is quite difficult, complicated and time consuming.

In other words, since payment terminals are not opened by simply authentication of a communication module or subscriber authentication like a mobile communication terminal such as a mobile phone, an offline reception or reception through a dealer is required, and a business registration, a bank account registration, a representative and an affiliated store for this are required. State certification and submission of additional documents are mandatory.

In addition, even if these complicated application documents are submitted, the actual examination is conducted in the agency and the payment service company, so it takes two to three days to open the payment terminal.

Therefore, by reducing the inconvenience and time required to open the service of the merchant payment terminal, there is a need for a solution capable of improving manpower efficiency and reducing costs.

The present invention has been made to solve the above problems, if the user who wants to open the merchant payment service purchases only the merchant terminal, it can directly perform automated opening application and opening processing to the opening application installed in the merchant terminal, Provides a payment service opening method of the merchant payment terminal and the payment terminal that can greatly reduce the inconvenience and time required when opening the service, improve the workforce efficiency and reduce the cost by providing the payment service registration processing according to the There is a purpose.

Method according to an embodiment of the present invention for solving the above problems, in the payment service opening method of the merchant payment terminal, the step of executing the opening application for opening in the payment terminal before the payment service opening; Accessing a financial server providing a payment service according to an operation of the opening application; Performing a user purchase authentication corresponding to the payment terminal according to the opening application interface input; Receiving the opening information for the opening from the user when the purchase authentication is completed; Processing opening application conversion using the opening information; And transmitting the converted application to the financial server on which the purchase authentication has been performed.

An apparatus according to an embodiment of the present invention for solving the above problems, in the payment terminal, the control unit for executing the opening application for opening the payment terminal in the state before the payment service opening; A communication unit connected to a financial server providing a payment service according to an operation of the opening application; A purchase authentication processor configured to perform user purchase authentication corresponding to the payment terminal according to the opening application interface input; A user input unit for receiving opening information for the opening from the user when the purchase authentication is completed; And a converting unit for processing opening application conversion by using the opening information, wherein the communication unit transmits the converted application to the financial server on which the purchase authentication has been performed.

On the other hand, the method according to an embodiment of the present invention for solving the above problems can be implemented as a program for executing the method on a computer and a recording medium on which the program is recorded.

According to an embodiment of the present disclosure, in response to the opening application interface input, the user purchase authentication corresponding to the payment terminal is performed, and when the purchase authentication is completed, the opening application is converted by receiving the opening information for the opening from the user. By processing the transfer to the financial server on which the purchase authentication has been performed, if the user who wants to open the merchant payment service purchases only the merchant terminal, it can directly perform automated opening application and opening processing with the opening application installed on the merchant terminal, Accordingly, payment service registration processing can be provided immediately.

Accordingly, the merchant payment terminal and its operation method according to an embodiment of the present invention can greatly reduce the inconvenience and time required when the service is opened, and can improve manpower efficiency and reduce cost.

1 is a conceptual diagram illustrating an entire system according to an embodiment of the present invention.
2 is a block diagram illustrating in more detail a payment terminal according to an embodiment of the present invention.
3 is a flowchart illustrating a payment terminal purchasing process according to an embodiment of the present invention.
4 is a ladder diagram illustrating the overall system operation according to an embodiment of the present invention.
5 is an illustration of opening information according to an embodiment of the present invention.
6 is a diagram illustrating an application form interface screen according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration is omitted as much as possible, and will be described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are used in the prior art among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terminology so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention is It is by no means limited.

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

As described herein, a "payment terminal" means a POS for providing a payment service of card information read from a customer's card using a general IC card reader or magnetic strip reader, in addition to the operation according to an embodiment of the present invention. A typical payment terminal may include a terminal device or a CAT terminal device, and has a POS-specific function for point of sale management and an electronic payment function through a customer card having at least one payment method.

In addition, in recent years, the function of the payment terminal can be combined with the portable terminal, and the "payment terminal" includes a mobile phone, a smart phone, a laptop computer, a digital broadcasting portable terminal, PDA (Personal Digital Assistants), Portable Multimedia Player (PMP), navigation, and the like, but the present invention is not limited thereto. In addition, various devices capable of user input and information display may be included in the payment terminal.

In addition, the term "server" may refer to a van (VAN) company relay server for relaying credit card electronic payment, but may correspond to a card company server or various types of servers related to credit card electronic payment. For example, according to a specific function, the actual payment relay function and other additional functions may be separated into a separate server type.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.

The payment system according to the embodiment of the present invention includes a user terminal 100, a payment terminal 200, a relay server 300, a card company server 400, an authentication server 500 and the credit financing association server 600. .

The payment terminal 200 may include a communication module, an IC card reader unit, and a magnetic strip reader for providing a payment service of card information read from a terminal device, an IC card, or a magnetic card of a customer. The payment terminal 200 may be a general payment terminal device having an electronic payment function.

For example, the payment terminal 200 includes a payment program, and performs a credit payment process by sending a transaction approval request message to the relay server 300 using the payment program to request an approval. When the transaction is approved or canceled, the payment terminal 200 may output a message or slip containing a receipt related to the transaction approval or cancellation, or generate and output a message or slip containing a receipt related to the issuance or cancellation of a cash receipt. .

In particular, the payment terminal 200 according to an embodiment of the present invention is an opening application that allows the user of the payment terminal 200, for example, the merchant owner, to easily perform the payment service opening process of the payment program as described above. This can be installed.

The opening application may be pre-installed and distributed in the payment terminal 200 or may be downloaded and installed from the relay server 300 when communication between the payment terminal 200 and the relay server 300 is activated. To this end, the payment terminal 200 may be pre-installed the opening application, or the access information of the relay server 300 may be stored in advance. In addition, the relay server 300 may issue terminal identification information corresponding to the payment terminal 200 and pre-register in the ledger database for registering a merchant.

For such pre-procedure processing, the relay server 300 according to an embodiment of the present invention may provide a pre-purchase process for the payment terminal 200 to the user terminal 100. For example, the payment terminal 200 that the payment service opening process according to an embodiment of the present invention is performed, as the purchase processing through the relay server 300 in the user terminal 100 of the merchant owner is completed, the merchant owner It may be a terminal delivered in response to.

Such a preliminary procedure may include a purchase registration process by a purchase process provided from the relay server 300 to the user terminal 100, and the user terminal 100 accesses the relay server 300 to purchase registration information. A computer, a mobile phone, a smart phone, a laptop computer, a digital broadcasting portable terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), and the like, may be exemplified.

Accordingly, the user terminal 100 may access the relay server 300 in advance and input purchase registration information and payment information of the payment terminal 200, and the relay server 300 may input the purchase registration information and payment. In response to the information, terminal identification information (TID) corresponding to the payment terminal 200 may be issued, purchase authentication information corresponding to the terminal identification information may be allocated, and transmitted to the user terminal 100. Here, the terminal identification information and the purchase authentication information may be pre-registered in the ledger database, and may be used for purchase authentication of the payment terminal 200.

In addition, the payment terminal 200 receives the purchase authentication information from the user, transmits a purchase authentication request including the purchase authentication information and the terminal identification information to the relay server 300, and corresponds to the purchase authentication request. Purchase authentication may be completed by receiving purchase confirmation information.

In addition, the payment terminal 200 receiving the purchase confirmation information may output an interface for creating an application for the opening service, and receives the opening information input of the user through the interface, and the opening application corresponding to the opening information input. Information can be generated. Here, the payment terminal 200 may transmit the large merchant information to the credit financing association server 600 as the information regarding the large merchant is input to the opening application information, so that the relevant information may be registered.

In addition, the payment terminal 200 requests and receives the security token information for the forgery prevention of the opening application information to the authentication server 500, and compresses and converts the security token information and the opening application information to the relay server 300. Can transmit

Accordingly, the relay server 300 may perform an inverse conversion process corresponding to the security token information and the opening application information, and process the ledger database registration according to data verification, thereby issuing an affiliate store number, and executing the issued affiliate store number. The opening completion process may be performed as transmitted to the payment terminal 200.

Accordingly, the user may receive the payment terminal 200 that has been processed by the relay server 300, and a direct user such as an affiliated store owner may visit the payment terminal 200 without visiting a sales representative or consulting with a separate branch. Bar can be provided directly through the opening service according to an embodiment of the present invention through the opening application, which will be described later in more detail.

On the other hand, the relay server 300 may perform a payment process by receiving the full payment approval request received from the payment terminal 200 is completed opening.

For example, the relay server 300 may transmit the full text of the request for approval of the transaction to the card company server 400, and the card company server 400 may transmit the full text of the response including the approval / rejection thereof to the relay server 300. In addition, the relay server 300 may transmit the full text of the response back to the payment terminal 200.

As described above, the relay server 300 may be, for example, a server of a van (Value Added Network) company that provides a payment agent service in an electronic payment system using a credit card. However, the present invention is not limited thereto, but the relay server 300 may be a server that relays only the purchase of the slips in addition to the server that handles the settlement, and may include all of various forms such as a simple relay server connected to a server of a general card company. have.

On the other hand, the card company server 400 may be a server of the card company that issued the credit card, it may perform the authorization processing, cancellation processing and the transmission of the approval result according to the card approval message received from the relay server 300.

In addition, the card company server 400 may directly handle the shipment and management of the payment terminal 200, and thus may handle the same opening process of the relay server 300 as described above. The opening process of the relay server 300 according to an example may be performed in the card company server 400. Therefore, in the opening process, the relay server 300 and the card company server 400 may operate in the same manner, and both may be collectively referred to as financial servers.

2 is a block diagram illustrating in more detail a payment terminal according to an embodiment of the present invention.

2, the payment terminal 200 according to the embodiment of the present invention includes a control unit 210, a communication unit 220, an input unit 230, a card reader unit 240, an output unit 250, and a payment information processing unit. 260, a storage unit 270, and an opening processing unit 280.

The control unit 210 controls the overall operation of each module of the payment terminal 200, the service opening operation of the opening processing unit 280 according to the opening application, the transaction approval request according to the card information and payment information read after the opening processing The information is generated and processed to be transmitted to the relay server 300.

The communication unit 220 may include one or more modules that perform communication between external devices such as the card company server 400 or the relay server 300.

The communication unit 220 is connected in a wireless or wired manner through a local area network (LAN) and an internet network, connected through a USB (Universal Serial Bus) port, or through a mobile communication network such as 3G or 4G. The connection module may include a communication module connected through a short range wireless communication method such as Near Field Communication (NFC), Radio Frequency Identification (RFID), Wi-Fi, or the like.

In addition, the payment information processing unit 260 generates a payment approval request message based on the input payment information, transmits the message to the relay server 300 through the communication unit 220, and processes the received payment approval response message in response thereto. do.

To this end, the payment information processing unit 260 may obtain the price information input through the input unit 230 and the card data read from the card reader unit 240. Here, the card data may include first encrypted card information based on the public encryption key for payment approval.

To this end, the card reader unit 240 includes one or more modules for reading and encrypting card information. The card reader 240 may read not only the magnetic credit card 10 of the magnetic type but also the card information of a credit card made of an RF type contactless IC card or a contact IC card. To that end, the card reader unit 240 may include a magnetic strip reader (MSR) for reading card information, and an IC card reader unit for reading IC card information. In addition, the card reader unit 240 may further include a near field communication payment module according to NFC, WIFI, or Bluetooth standard.

In addition, the payment information processing unit 260 may generate a transaction approval request message including the encrypted card data, and generate and transmit a transaction approval request message based on this to the relay server 300. In addition, the communication unit 220 may receive a response message corresponding to the approval request message.

In particular, the payment information processing unit 260 according to an embodiment of the present invention may receive the full payment approval response and print it in the form of a slip through the output unit 250 or output it in a display form.

The input unit 230 may include a touch pad or may be electrically connected to the touch pad, and may selectively include one or more function keys for user input. If all payment information including a phone number and signature information for card payment is input through the touch pad, the input unit 230 may include a minimum function key for turning on / off the power.

The output unit 250 may include a slip module and a display module for outputting a payment processing status and a signature input message. The payment terminal 200 may output a payment slip or an interface display screen through the output unit 250.

Meanwhile, the storage unit 270 stores various data, a plurality of divided images, counter information, and an application required for the operation of the payment terminal 200.

In particular, the storage unit 270 according to an embodiment of the present invention may be pre-installed with the opening application according to an embodiment of the present invention, or may be pre-stored access information for obtaining the opening application, the control unit 210 ) May receive and install the opening application based on the access information through the communication unit 220.

Such an opening application may be modularized and separately operated to provide an opening service of the payment terminal 200. In an embodiment of the present invention, a processor operation processed by the opening application operation may be configured by the opening processing unit 280. And the operation will be described.

The opening processing unit 280 according to an embodiment of the present invention, when the opening application is executed in the payment terminal that is in the state before the opening of the payment service, accesses the relay server 300 that provides the payment service, and enters the opening application interface input. Accordingly, the user purchase authentication corresponding to the payment terminal is performed, when the purchase authentication is completed, receives the opening information for the opening from the user, and uses the opening information to process the opening application conversion, and the conversion processing The application may include one or more components for transmitting to the relay server 300, the purchase authentication is performed.

More specifically, for the operation of the opening processing unit 280, the opening processing unit 280 may include a purchase authentication processing unit 281, the application generation unit 283, the conversion unit 285 and the security module 287. Can be.

The opening processing unit 280 may start an operation for each component as the control unit 210 executes an opening application for opening, and the normal operation of the opening processing unit 280 as the security module 287 is driven first. can confirm.

Here, the controller 210 may directly download or execute the opening application according to a user input. In addition, the controller 210 may identify whether the payment service is in the pre-opening state when the power is turned on, and may process at least one of downloading and executing the opening application in the pre-opening state.

In addition, the security module 287 may check whether the opening processing unit 280 and the application are forged or not, and ascertain whether the vaccine program pre-installed in the payment terminal 200 is normally driven, thereby confirming normal operation.

When the normal operation is confirmed, the communication unit 220 may access a financial server that provides a payment service according to the operation of the opening application, and the purchase authentication processing unit 281 may contact the payment terminal according to the opening application interface input. Corresponding user purchase authentication may be performed.

As described above, the user may be a franchise owner, and the user may acquire the purchase authentication information in advance by providing the purchase registration information to the relay server 300 in advance.

The purchase registration information may include information for proving a user's business and terminal purchase, and may include a business registration number of the user.

The relay server 300 processes a purchase process based on the business registration number, issues a product purchase number corresponding to the payment terminal 200 which is in the state before the payment service is opened, and stores the product purchase number in the ledger database. It may be issued to the user in advance through the network. Accordingly, the purchase authentication information may include the product purchase number.

In addition, the purchase authentication processor 281 may receive the business registration number and the product purchase number for purchase authentication from the user through the opening application interface, and the business registration number and the product through the communication unit 220. The purchase number may be transmitted to the relay server 300 through a secure network to request purchase authentication.

Here, the purchase authentication request may include the business registration number, the product purchase number, and terminal identification information of the payment terminal 200 for purchase authentication. Accordingly, the relay server 300 performs a ledger database matching of the business registration number, the product purchase number, and the terminal identification information, and transmits the purchase confirmation information to the purchase authentication processing unit 281 through the security network when the matching is completed. Can be.

Accordingly, the purchase authentication processing unit 281 may transmit the purchase authentication completion information according to the receipt of the purchase confirmation information to the application generation unit 283.

When the purchase authentication is completed, the application generation unit 283 may receive the opening information for the opening according to the user input information input through the input unit 230.

To this end, the application generating unit 283 may output the proof information input interface for inputting the opening information and the application preparation interface through the output unit 250, and obtain user input of the corresponding proof information and the application information. To generate the opening application information.

More specifically, the opening information may include proof information and application information, and the proof information may include representative proof information and affiliated store proof information.

Here, the proof information is proof information for the user's business, merchant note and business proof, and may be input as signature or image information through an opening application interface.

And, the proof information includes representative proof information and merchant authentication information, the representative proof information may include representative seal image information and representative signature image information of the merchant entered through the opening application, the merchant authentication information May include affiliated store owner ID card image information and business registration card image information input through the opening application.

On the other hand, the application generating unit 283 may provide an application creation interface in which some information of the opening application is input in advance based on the proof information through the opening application executed under the control of the control unit 210, The application information may be received from the user through the application preparation interface to complete the opening application.

The partial information may include at least one of a business registration number, a business name, a business registration number, a telephone number, a business address number, business status information, item information, detailed business information, representative information, and a mobile phone number information identified from the purchase authentication information. It may include, and may further include text information obtained by scanning from the image of the attestation information.

In addition, the pre-input partial information may include payment service agent code information included in purchase confirmation information received from the relay server 300 according to the purchase authentication.

The input of the dealer code information is for solving the problem when the relay server 300 cannot open a separate payment service without the agency business information for the payment service. The merchant management service corresponding to the payment terminal 200 is provided. Is processed in a separate agency server, the dealer code information for registering the payment terminal 200 is previously issued in response to the purchase confirmation, it is possible to process the direct opening service of the merchant according to an embodiment of the present invention. Will be.

That is, in the conventional method, when the affiliated store owner requests the dealer to purchase the payment terminal 200, the distributor company receives necessary documents from the affiliated store owner, and issues the payment terminal 200 using the distributor code of the distributor to relay the server. As a result of requesting and receiving the result, the time procedure is not only complicated, and since the system owner does not know the dealer code in advance, it is impossible to open it directly.

In order to solve this problem, the relay server 300 according to an embodiment of the present invention, when the purchase registration information from the user terminal 100 is received in the purchase process of the payment terminal 200, the agency selection input information. It is possible to receive, by providing the dealer code information corresponding to the agency selection input information included in the purchase confirmation information, processing to be input in advance in the application information in the application generation unit 283 of the payment terminal 200 can do.

Accordingly, even if the merchant does not know a separate agency code, the merchant is provided with an application preparation interface in which the agency code information is pre-input in the opening application information, and the remaining essentials such as payment settlement information, purchase method information, payment settlement information, and equipment information are required. By entering only the information, the application for opening can be easily prepared.

In addition, the application generation unit 283 may be processed to be registered by passing the large merchant status information to the credit financing association server 600, as the information whether the large merchants in the opening information is input.

On the other hand, the conversion unit 285 processes the opening application conversion by using the opening application information generated by the opening application.

The opening application conversion of the conversion unit 285 according to an embodiment of the present invention may be sequentially processed by the authentication information processing unit, the metadata processing unit, and the encryption conversion processing unit.

First, the authentication information processing unit may request authentication token information corresponding to the opening application to the authentication server 500, and insert the authentication token information into the opening application. Here, the authentication server 500 may be a TSA (TIME STAMPING AUTHORITY) server, and the authentication token information may be generated based on, for example, the opening application preparation time information, thereby providing legal proof and forgery of the opening application. It may include encryption token information to prevent.

The metadata processor may generate metadata corresponding to the opening application in which the authentication token information is inserted. For example, the metadata may be matched with the image converted opening application information, and may include application metadata reconfigured so that the opening application information may be re-registered by the relay server 300 through text classification processing.

The encryption conversion processing unit may compress the metadata and the image conversion information of the opening application and perform an encryption conversion process.

For example, the image conversion information may include data obtained by converting the opening application form as image information, and may further include conversion data of image information corresponding to the proof information.

In addition, the encryption conversion processing unit may compress and encrypt the metadata and the image conversion information in a manner that an inverse conversion can be performed by the relay server 300.

Accordingly, the control unit 210 transmits the compressed conversion data processed by the encryption conversion process to the relay server 300 through a secure network using the communication unit 220, and the relay server 300 transmits the compressed conversion data. Receives the reverse conversion process, and registers the ledger database using the inverse transformed metadata and the opening application image conversion information.

On the other hand, if the payment service for the payment terminal 200 is required in the card company server 400, not the relay server 300, the relay server 300 transfers the compressed conversion data to the card company server 400 You can also perform a process. In this case, the card company server 400 may receive and receive the compressed conversion data, and register the metadata and the image conversion information of the compressed conversion data in the main database and the image database to process the opening registration of the payment service. .

Thereafter, the communication unit 220 registers the registration information corresponding to the ledger registration or the opening registration as the ledger registration or the opening registration corresponding to the converted application is processed in the relay server 300 or the card company server 400. The controller 210 may output a service opening completion message corresponding to the registration information reception through the output unit 250.

According to the opening of the service, the payment terminal 200 may transmit a payment approval request text to the relay server 300, and receive an approval response message corresponding to the payment approval request text, and the relay server 300 may be a payment terminal. The payment approval request message received from 200 may be received to perform payment processing.

3 is a flowchart illustrating a payment terminal purchasing process according to an embodiment of the present invention.

Referring to FIG. 3, the purchase process of the payment terminal 200 according to an embodiment of the present invention may be processed between the user terminal 100 and the relay server 300.

First, in the user terminal 100, purchase registration information may be input (S1001), and the input purchase registration information is transmitted to the relay server 300 (S1003).

Here, the purchase registration information may include, for example, at least one of business registration number information, buyer (for example, merchant owner) personal information, and representative information.

In addition, the relay server 300 verifies the purchase registration information, and sends an authentication number corresponding to the verified purchase registration information to the user terminal 100 (S1005).

The authentication number may include, for example, a mobile phone authentication number, and the relay server 300 may send the authentication number to the user through an external mobile communication network system.

Accordingly, the authentication number may be input to the user terminal 100 (S1007), and the input authentication number is transmitted to the relay server 300 (S1009), and the purchaser authentication may be processed.

In addition, the relay server 300 allocates a purchase number corresponding to the payment terminal 200 according to the authentication confirmation (S1010).

In this case, the payment terminal 200 may be pre-issued and assigned terminal identification information. When the payment information is confirmed, a purchase number corresponding to the purchase registration information may be matched with the terminal identification information and may be added to the ledger database of the relay server 300. Can be registered. Accordingly, the purchase number may be used as purchase authentication information. However, the purchase number is an example of purchase authentication information and may be replaced with a code image such as a QR code or a barcode.

In addition, the relay server 300 transmits the purchase number to the user terminal 100 (S1011), the user terminal 100 performs a payment process corresponding to the purchase number (S1013), and the performed payment information is It is transmitted to the relay server 300 (S1015).

Upon receipt of payment information, as described above, the relay server 300 may register the purchase number corresponding to the purchase registration information and the terminal identification information of the payment terminal 200 in the ledger database (S1017). Product shipment processing of the payment terminal 200 can be performed (S1019).

For example, the relay server 300 may transmit the registered payment terminal 200 shipment request to a separate delivery server.

4 is a ladder diagram illustrating the overall system operation according to an embodiment of the present invention.

As shown in FIG. 4, the opening application process in the payment terminal 200 that has been delivered may be directly performed by the user.

First, when the opening application is installed and executed (S2001), the payment terminal 200 confirms the normal operation of the vaccine information and the security module through the security module 287 of the opening processing unit 280 (S2001).

In addition, the payment terminal 200 accesses the relay server 300 through the secure network (S2005).

In addition, the payment terminal 200 receives pre-issued purchase authentication information from the user through the purchase authentication processing unit 281 (S2007) and transmits the received authentication information to the relay server 300.

When the purchase authentication request is received, the relay server 300 checks the ledger registration information corresponding to the purchase authentication information (S2011), and transmits the purchase confirmation information corresponding to the purchase authentication request to the payment terminal 200 (S2013). .

Here, the purchase authentication request may include the pre-issued purchase number information and terminal identification information, and may further include at least a part of a business registration number and the like among purchase registration information registered by a user.

In addition, the relay server 300 may process the ledger database matching corresponding to the purchase authentication request and provide the confirmed purchase confirmation information to the payment terminal 200. In particular, in the embodiment of the present invention, the purchase confirmation information may include agency code information. The agency code information may correspond to the agency identification information previously selected by the purchase registration information of the user terminal 100.

On the other hand, the application generation unit 283 of the payment terminal 200 receives the proof information through the opening application (S2015), generates an application creation interface based on the proof information (S2017), and opens the application form according to the application information input It generates (S2019).

When the opening application is generated, the conversion unit 285 of the payment terminal 200 obtains authentication token information corresponding to the opening application (S2021), and generates opening application metadata including authentication token information (S2023). Combining the generated metadata and the image conversion information of the open communication office, compression conversion and encryption processing (S2025).

The compressed conversion encrypted data is transmitted to the relay server 300 through the secure network (S2027), and the relay server 300 performs reverse conversion processing corresponding thereto to register in the ledger database (S2029), and registration information and merchant number information. By transmitting to the payment terminal 200, the payment service opening of the merchant payment terminal 200 can be completed (S2031).

5 is an illustration of the opening application information according to an embodiment of the present invention, Figure 6 is a view showing an application creation interface screen according to an embodiment of the present invention.

First, as shown in Figure 5, in order for the merchant owner to directly apply for the opening service, existing / new availability information, terminal ID information, information reflecting information, business registration number information, large merchant information or not, individual / corporate or not Information, taxation information, business name information, corporate registration number information, business postal code information, business address basic information, business address detail information, head office (corporate address) zip code information, head office (corporate address) basic information, head office (corporate address) ) Detailed information, telephone number (wired) information, telephone number (wired) information, item name information, business name information, industry details (large) information, industry details (medium) information, industry details (small) information, refinery company name Information, refinery name information, merchant classification (single / plural) information, DDC / DSC, EDI, window purchase information, alipay application information, WeChat pay application information, TRS application information, Kaka information, additional service non-application information , Barcode Furthermore, information on whether or not to hold information, bank name information, account number information, account holder information, memo information, representative name information, representative birth date information, representative gender information, representative email information, representative mobile phone number information, and representative contact information may be required.

However, as the opening application information that the merchant owner must input directly, as shown in FIG. 6, some information may be pre-populated through the application creation interface generated through the application generation unit 283, and thus, the user may select some remaining information. You can conveniently fill in the application form by entering only.

For example, as shown in FIG. 6, some information may be obtained from the purchase registration information, the purchase authentication information, and the proof information and applied to the application preparation interface in advance. Referring to FIG. 6, the previously applied items include business registration information, business name information, corporate registration number information, business phone number information, business address information, head office address information, business status information, item information, business detail information, representative name information, Representative mobile phone information and the like, in particular, may include dealer code information and agency name information, and may further include a sales office code or sales code information.

Therefore, according to an embodiment of the present invention, even if the merchant owner does not directly input all input information according to a complicated application procedure, or in particular, checks and inputs code information of a separate sales office, a sales representative, a dealer, and the like, the relay server 300. The application interface is generated and created in advance according to the information provided in advance and the pre-registration information, which makes the opening process very convenient.

In addition, the request for opening and the corresponding opening process between the payment terminal 200 and the relay server 300 or the card company server 400 may be immediately processed through the secured network, thereby waiting for the procedure waiting time until the opening. It can be minimized.

The above-described method for processing payment information according to the present invention may be stored in a computer-readable recording medium that is produced as a program to be executed in a computer, and examples of the computer-readable recording medium include ROM, RAM, and CD-ROM. Magnetic tape, floppy disk, optical data storage, and the like.

The computer readable recording medium can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention belongs.

In addition, while the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, but the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or prospect of the present invention.

Claims (18)

In the payment service opening method of the merchant payment terminal,
Executing the opening application for opening in the payment terminal in a state before opening of the payment service;
Accessing a financial server providing a payment service according to an operation of the opening application;
Performing a user purchase authentication corresponding to the payment terminal according to the opening application interface input;
Receiving the opening information for the opening from the user when the purchase authentication is completed;
Processing opening application conversion using the opening information; And
And transmitting the converted application to the financial server on which the purchase authentication has been performed.
Method of opening a payment service of a merchant payment terminal. The method of claim 1,
On the basis of the purchase process using the business registration number of the user, a product purchase number corresponding to the payment terminal in the state before the payment service opening is pre-issued to the user through an external network,
Performing the purchase authentication,
Inputting the business registration number and the product purchase number for purchase authentication through the opening application interface; And
Transmitting the business registration number and the product purchase number to the financial server through a secure network to request a purchase certification.
Method of opening a payment service of a merchant payment terminal. The method of claim 1,
The opening information includes at least one of proof information and application information.
Method of opening a payment service of a merchant payment terminal. The method of claim 3,
The attestation information includes representative attestation information,
The representative proof information includes representative seal image information or representative signature image information of the merchant entered through the opening application.
Method of opening a payment service of a merchant payment terminal. The method of claim 3,
The attestation information includes merchant attestation information,
The affiliated store identification information, the merchant owner ID image information and business registration card image information input through the opening application
Method of opening a payment service of a merchant payment terminal. The method of claim 3,
Providing, through the opening application, an application preparation interface in which some information of the opening application is input in advance based on the proof information; And
And receiving the application information through the application preparation interface to complete the opening application.
Method of opening a payment service of a merchant payment terminal. The method of claim 6,
The previously input some information,
Payment service agent code information received from the financial server in accordance with the purchase authentication
Method of opening a payment service of a merchant payment terminal. The method of claim 1,
The step of processing the conversion,
Requesting authentication token information corresponding to the opening application to an authentication server; And
Inserting the authentication token information into the opening application;
Generating metadata corresponding to the opening application in which the authentication token information is inserted;
Compressing and encrypting the metadata and the image conversion information of the opening application; And
Transmitting the encrypted compressed data to the financial server via a secure network.
Method of opening a payment service of a merchant payment terminal. The method of claim 1,
Receiving registration information corresponding to the ledger registration as the ledger registration corresponding to the converted application is processed at the financial server; And
Outputting a service opening completion message corresponding to the registration information reception;
Method of opening a payment service of a merchant payment terminal. In the payment terminal,
A control unit for executing an opening application for opening in a payment terminal before a payment service opening state;
A communication unit connected to a financial server providing a payment service according to an operation of the opening application;
A purchase authentication processor configured to perform user purchase authentication corresponding to the payment terminal according to the opening application interface input;
A user input unit for receiving opening information for the opening from the user when the purchase authentication is completed; And
A conversion unit for processing opening application conversion by using the opening information;
The communication unit transmits the converted application to the financial server on which the purchase authentication was performed.
Merchant payment terminal. The method of claim 10,
On the basis of the purchase process using the business registration number of the user, a product purchase number corresponding to the payment terminal in the state before the payment service opening is pre-issued to the user through an external network,
The purchase authentication processing unit
When the business registration number and the product purchase number for purchase authentication are input through the opening application interface, the business registration number and the product purchase number are transmitted to the financial server through a secure network through the communication unit to verify the purchase. Request
Merchant payment terminal. The method of claim 10,
The opening information includes at least one of proof information and application information.
Merchant payment terminal. The method of claim 12,
The attestation information includes representative attestation information,
The representative proof information includes representative seal image information or representative signature image information of the merchant entered through the opening application.
Merchant payment terminal. The method of claim 12,
The attestation information includes merchant attestation information,
The affiliated store identification information, the merchant owner ID image information and business registration card image information input through the opening application
Merchant payment terminal. The method of claim 12,
The control unit provides an application creation interface through which the partial information of the opening application is input in advance based on the proof information through the opening application,
Further comprising an application generating unit for receiving the application information through the application creation interface to complete the opening application;
Merchant payment terminal. The method of claim 15,
The previously input some information,
Payment service agent code information received from the financial server in accordance with the purchase authentication
Merchant payment terminal. The method of claim 10,
The conversion unit,
An authentication information processing unit for requesting authentication token information corresponding to the opening application to an authentication server, and inserting the authentication token information into the opening application;
A metadata processor for generating metadata corresponding to the opening application in which the authentication token information is inserted; And
An encryption conversion processing unit configured to compress and encrypt the metadata and the image conversion information of the opening application form,
The communication unit transmits the encrypted compressed data to the financial server through a secure network.
Merchant payment terminal. The method of claim 10,
The communication unit receives registration information corresponding to the ledger registration as the ledger registration corresponding to the converted application is processed in the financial server,
The control unit outputs a service opening completion message corresponding to the registration information reception.
Merchant payment terminal.

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