KR100791270B1 - Merchant card terminal management method and system, Merchant card terminal management server, card terminal device and recording medium - Google Patents

Abstract

The present invention relates to a method and system for managing a merchant card terminal, a merchant card terminal management server, a card terminal device, and a recording medium, wherein a predetermined payment approval request message is generated in a predetermined card terminal device and stored in advance in a predetermined memory. Insert a unique code corresponding to the unique terminal number assigned to the card terminal device in a predetermined area of the generated payment approval request message, transmit the payment approval request message inserted with the unique code to a server on the communication network, The server transmits the full text of the payment approval request transmitted from the card terminal device to a card company server, extracts the unique code from the predetermined area of the payment approval request text from a card company server (or a server associated with the card company server), and the card company server (Or a server associated with a card company server) when the unique code is encrypted, Decryption processing, the extraction or decryption in association with a storage medium (or storage medium operating means) that is stored in a cooperative process so that the merchant information (or unique terminal number information given to the merchant terminal) and the unique code is provided in a one-to-one correspondence Check the merchant information (or unique terminal number information given to the merchant terminal) corresponding to the processed unique code, and store the confirmation details in a predetermined storage medium in the card company server (or a server associated with the card company server); And / or affiliated store information (or unique terminal number information given to the affiliated store terminal) corresponding to the extracted or decrypted unique code and unique terminal number information (or unique terminal number information included in the full payment approval request). And comparing the merchant information) to determine whether they match. Gong. Thereby, the goods supplier has an advantage that the card payment process can be safely and conveniently through the payment terminal provided in the goods recipient store without using a portable payment terminal.

Goods, delivery, collection, card payment,

Description

Merchant card terminal management method and system and merchant card terminal management server and card terminal device and recording medium {System and Method for Managing Affiliate Card Terminals, Server for Managing Affiliate Card Terminals, Card Terminals and Recording Medium}

1 is a view showing a merchant card terminal management system according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a payment terminal according to an embodiment of the present invention.

3 is a diagram illustrating the full payment approval request generated in the merchant payment terminal according to an embodiment of the present invention.

4 is a diagram illustrating a process of generating a payment approval request full text at a payment terminal and transmitting it to a card company (or a financial company) according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a payment approval process using a full payment approval request including unique code information according to an embodiment of the present invention.

6 is a diagram illustrating a functional configuration of a payment terminal according to another embodiment of the present invention.

7 is a diagram illustrating the full payment approval request generated by the merchant payment terminal according to another embodiment of the present invention.

8 is a diagram illustrating a process of generating a full payment approval request message at a payment terminal and transmitting it to a card company (or a financial company) according to another embodiment of the present invention.

9 illustrates the full payment approval received by the payment terminal according to an embodiment of the present invention.

10A and 10B are diagrams illustrating a credit settlement receipt according to an embodiment of the present invention.

11 is a view showing a merchant card terminal management system according to another embodiment of the present invention.

12 is a diagram illustrating the full payment approval request generated by the merchant payment terminal according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of generating a full payment approval request message at a payment terminal and transmitting it to a card company (or a financial company) according to another embodiment of the present invention.

14 is a diagram illustrating the full payment approval request generated in the merchant payment terminal according to another embodiment of the present invention.

FIG. 15 is a diagram illustrating a process of generating a full payment approval request message at a payment terminal and transmitting it to a card company (or a financial company) according to another embodiment of the present invention.

<Description of main parts of drawing>

100: server 110: unique code extraction unit

115: information confirmation unit 120: storage medium

125: information processing unit 135: information storage unit

200: payment terminal 210: card reader

250: memory unit 255: extraction unit

260: professional generation unit 265: professional transmission

According to the present invention, when a payment approval request message is generated in a predetermined card terminal device, a schedule for generating a payment approval request message is generated by generating a unique code corresponding to a unique terminal number assigned to the card terminal device previously stored in a predetermined memory. Inserting in the area, and transmitting the payment approval request text in which the unique code is inserted to the server on the communication network, transmitting the payment approval request message transmitted by the card terminal device from the server on the communication network to the card company server, and the card company server (or A server associated with a card company server) extracts the unique code from the predetermined area for payment approval request, and if the unique code is encrypted at the card company server (or a server associated with the card company server), decryption is performed, and the merchant Information (or unique terminal number information given to merchant terminals) and unique codes correspond one-to-one. In association with a storage medium (or storage medium operating means) to be stored in a cooperative process so as to be provided, to confirm affiliated store information (or unique terminal number information assigned to the affiliated store terminal) corresponding to the extracted or decrypted unique code, The card company server (or a server associated with the card company server) stores the confirmation details in a predetermined storage medium, and / or affiliated store information corresponding to the extracted or decoded unique code (or uniquely assigned to the merchant terminal) And comparing the terminal number information) with the unique terminal number information (or merchant information corresponding to the unique terminal number information) included in the full payment approval request. And a system, a merchant card terminal management server, a card terminal apparatus, and a recording medium. To provide.

In general, a retailer receives the goods (or goods) for retail sale from at least one product manufacturer and / or a distributor, and then pays for the delivery of the goods through a certain amount of cash. Is a very unfavorable payment method.

On the other hand, to solve the above problems, some product manufacturers and / or distributors provide a card payment service through a predetermined portable payment terminal, for this purpose, the product manufacturer and / or sales representatives always carry a portable payment terminal In addition, due to the wireless payment process of the portable payment terminal, the shadow payment area does not provide a card payment service.

The present invention is derived to solve the above problems, when generating a full payment approval request in a predetermined card terminal device, corresponding to the unique terminal number assigned to the card terminal device previously stored in a predetermined memory Insert a unique code into a predetermined area of the generated payment approval request message, and transmit the payment approval request message inserted with the unique code to a server on a communication network, the payment approval request transmitted by the card terminal device from the server on the communication network Sends the full text to the card company server, extracts the unique code from the payment approval request full text area from the card company server (or server associated with the card company server), and the unique from the card company server (or server associated with the card company server) If the code is encrypted, decrypt it and assign it to the merchant information (or to the merchant terminal). Unique terminal number information) and affiliated store information (or affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or a storage medium operating means) that is stored in a cooperative process so that the unique code is provided in a one-to-one correspondence. Unique terminal number information assigned to the device), the card company server (or a server associated with the card company server) stores the confirmation details in a predetermined storage medium, and / or corresponds to the extracted or decrypted unique code. Comparing the merchant information (or the unique terminal number information given to the merchant terminal) with the unique terminal number information (or merchant information corresponding to the unique terminal number information) included in the payment approval request message, and determining whether or not to match. Merchant card terminal management method and system, characterized in that the It aims at a point card terminal management server, a card terminal apparatus, and a recording medium.

Merchant card terminal management method according to the present invention, when generating the payment approval request full message in the card terminal device, the payment approval generated by the unique code corresponding to the unique terminal number given to the card terminal device previously stored in a predetermined memory Inserting the request message in a predetermined area and transmitting the payment approval request message in which the unique code is inserted to a server on a communication network; Transmitting the full payment approval request message transmitted from the card terminal device to a card company server in a server on a communication network; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And store the confirmation details in a predetermined storage medium in the card company server (or a server associated with the card company server), and / or affiliate store information corresponding to the extracted or decoded unique code (or unique information given to a merchant terminal). And comparing the terminal number information) with the unique terminal number information (or affiliate store information corresponding to the unique terminal number information) included in the full payment approval request.

In addition, the merchant card terminal management method of the present invention uses a collection card owned by the goods supplier in the card terminal device by replacing the unique terminal number assigned to the card terminal device with a terminal number corresponding to the collection card, and then using the same. When generating a payment approval request message, a unique code corresponding to a unique terminal number assigned to the card terminal device pre-stored in a predetermined memory is inserted into a predetermined area of the generated payment approval request message, and the unique code Transmitting the inserted payment approval request message to a server on a communication network; Transmitting the full payment approval request message transmitted from the card terminal device to a card company server in a server on a communication network; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And store the confirmation details in a predetermined storage medium in the card company server (or a server associated with the card company server), and / or affiliate store information corresponding to the extracted or decoded unique code (or unique information given to a merchant terminal). And comparing the terminal number information) with the unique terminal number information (or affiliate store information corresponding to the unique terminal number information) included in the full payment approval request.

In addition, the merchant card terminal management method of the present invention is a unique code and goods supplier collection card information corresponding to the full payment approval request in the card terminal device, and the unique terminal number assigned to the card terminal device previously stored in a predetermined memory Transmitting the server to a server on a communication network; In the server, the unique terminal number information included in the payment approval request message is replaced with a number corresponding to the collection card information, and the unique code is inserted into the payment approval request message, and then the VAN company server or the card company server. Transmitting the full payment approval request; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And store the confirmation details in a predetermined storage medium in the card company server (or a server associated with the card company server), and / or affiliate store information corresponding to the extracted or decoded unique code (or unique information given to a merchant terminal). And comparing the terminal number information) with the unique terminal number information (or affiliate store information corresponding to the unique terminal number information) included in the full payment approval request.

In addition, the merchant card terminal management method of the present invention, when generating the full payment approval request in the card terminal device, the payment approval request for the unique code corresponding to the unique terminal number given to the card terminal device previously stored in a predetermined memory Inserting the full text and transmitting the payment approval request text and the item provider collection card information into which the unique code is inserted to a server on a communication network; Replacing, by the server, the unique terminal number information included in the payment approval request message with a number corresponding to the collection card information, and transmitting the payment approval request message to a VAN company server or a card company server; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And store the confirmation details in a predetermined storage medium in the card company server (or a server associated with the card company server), and / or affiliate store information corresponding to the extracted or decoded unique code (or unique information given to a merchant terminal). And comparing the terminal number information) with the unique terminal number information (or affiliate store information corresponding to the unique terminal number information) included in the full payment approval request.

In the present invention, the merchant card terminal management system stores a unique code corresponding to a unique terminal number on a predetermined memory, and when generating a full payment approval request message using the unique terminal number, extracts a unique code previously stored in the memory. A card terminal device which inserts the generated payment approval request message into a predetermined area and transmits the payment approval request message inserted with the unique code to a server on a communication network; A server for transmitting the full payment approval request message transmitted from the card terminal device to a card company server; And extracting the unique code from the predetermined area for requesting payment approval request, decrypting the unique code when the unique code is encrypted, and matching merchant information (or unique terminal number information assigned to the merchant terminal) with one-to-one correspondence. After confirming affiliated store information (or unique terminal number information assigned to the affiliated store terminal) corresponding to the extracted or decrypted unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process so as to be provided, A unique terminal included in a predetermined storage medium, and / or affiliated store information (or unique terminal number information assigned to the affiliated store terminal) corresponding to the extracted or decrypted unique code and the payment terminal Number information (or merchant information corresponding to unique terminal number information) is compared and matched. It is characterized in that it comprises a card company server (or server associated with the card company server) to determine.

In addition, the merchant card terminal management system of the present invention stores a unique code corresponding to the unique terminal number on a predetermined memory, using a collection card owned by the goods supplier, the terminal number corresponding to the collection card with the unique terminal number After replacing with, and using this to generate the full payment approval request, extract the unique code pre-stored in the memory, insert into a predetermined area of the generated payment approval request full text, the payment approval request inserted with the unique code Card terminal device for transmitting the full text to the server on the communication network; A server for transmitting the full payment approval request transmitted by the card terminal device to a card company server; And extracting the unique code from the predetermined region for the payment approval request, decrypting the unique code if the unique code is encrypted, and matching merchant information (or unique terminal number information assigned to the merchant terminal) with one-to-one correspondence. After confirming affiliated store information (or unique terminal number information assigned to the affiliated store terminal) corresponding to the extracted or decrypted unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process so as to be provided, A unique terminal included in a predetermined storage medium, and / or affiliated store information (or unique terminal number information assigned to the affiliated store terminal) corresponding to the extracted or decrypted unique code and the payment terminal Whether to match number information (or merchant information corresponding to unique terminal number information) To ascertain issuer server (or servers associated with a credit card company server); including characterized in that formed.

In addition, the merchant card terminal management system of the present invention stores a unique code corresponding to a unique terminal number on a predetermined memory, when generating a payment approval request full text, extracts the unique code previously stored in the memory, the generated Insert the payment approval request text and the payment provider request information and the item provider collection card information into the server on the communication network or insert the payment authorization request text into the predetermined area, or collect the payment approval request text and the extracted unique code and goods supplier A card terminal device for transmitting card information to a server on a communication network; The unique terminal number information included in the payment approval request message inserted by the card terminal device is replaced with a number corresponding to the collection card information, and then transmitted to a VAN company server or a card company server, and the payment approval request When the unique code is transmitted separately without being inserted into the full text, when the unique terminal number information included in the full payment approval request text is replaced with a number corresponding to the collection card information, the unique code is included in the full text of the payment approval request. A server for transmitting the full payment approval request to a VAN company server or a card company server; And extracting the unique code from the predetermined area for requesting payment approval request, decrypting the unique code when the unique code is encrypted, and matching merchant information (or unique terminal number information assigned to the merchant terminal) with one-to-one correspondence. After confirming affiliated store information (or unique terminal number information assigned to the affiliated store terminal) corresponding to the extracted or decrypted unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process so as to be provided, A unique terminal included in a predetermined storage medium, and / or affiliated store information (or unique terminal number information assigned to the affiliated store terminal) corresponding to the extracted or decrypted unique code and the payment terminal Number information (or merchant information corresponding to unique terminal number information) is compared and matched. It is characterized in that it comprises a card company server (or server associated with the card company server) to determine.

In the present invention, the merchant card terminal management server comprises: an information storage unit for linking and storing the affiliated store information (or the unique terminal number information given to the affiliated store terminal) and the unique code in a one-to-one correspondence and storing it in a predetermined storage medium; A unique code extracting unit for extracting the unique code from a predetermined region of the payment approval request request when receiving a payment approval request message in which a unique code is inserted; An information confirming unit confirming affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted unique code in association with the storage medium (or storage medium operating means); And store the confirmation details in a predetermined storage medium, and / or affiliated store information (or unique terminal number information given to the affiliated store terminal) corresponding to the unique code and the unique terminal number information included in the full payment approval request. (Or affiliated store information corresponding to the unique terminal number information) by comparing the information processing unit to determine whether the match; characterized in that it comprises a.

According to an embodiment of the present invention, it is preferable that the affiliated card terminal management server further includes a decryption processing unit for decrypting the unique code when the unique code is encrypted.

According to the invention, the recording medium provided in the merchant card terminal management server is characterized in that for recording a program for executing the function of the server component.

Card terminal device in the present invention comprises a memory unit for storing a unique code corresponding to the unique terminal number; An extraction unit for extracting a unique code previously stored in the memory unit when generating a payment approval request message using the unique terminal number; A full text generation unit for inserting the extracted unique code into a predetermined area of the generated payment approval request text; And a specialized transmission unit for transmitting the full payment approval request message in which the unique code is inserted to a server on a communication network.

In addition, the card terminal device of the present invention comprises a memory unit for storing a unique code corresponding to the unique terminal number; Using a collection card owned by the goods supplier, the unique terminal number is replaced with a terminal number corresponding to the collection card, and when using this to create a payment approval request message, the extraction unit for extracting the unique code previously stored in the memory unit ; A full text generation unit for inserting the extracted unique code into a predetermined area of the generated payment approval request text; And a specialized transmission unit for transmitting the full payment approval request message in which the unique code is inserted to a server on a communication network.

According to the exemplary embodiment of the present invention, the unique code is encrypted by a predetermined encryption algorithm and stored in a memory unit, or the encryption process is performed through the full text generation unit in the process of being inserted into a predetermined area of the payment approval request text. desirable.

According to the invention, the recording medium provided in the card terminal device is characterized in that the program for executing the function of the device configuration unit recorded.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and 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 will be omitted, and 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 conventionally used 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 terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited. For example, in the following embodiment, the card terminal device is referred to as a "payment terminal device" for convenience, and the card company server (or a server associated with the card company server) is called a "server", and the affiliated store information (or a unique terminal given to the affiliated store terminal). The number information) is referred to as "merchant information", and the unique terminal number information (or merchant information corresponding to the unique terminal number information) is referred to as "terminal number information".

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.

1 is a view showing a merchant card terminal management system according to an embodiment of the present invention.

In more detail, Figure 1 is stored in a read-only memory of a predetermined payment terminal 200 provided at the merchant stores the predetermined unique code information that can uniquely identify the payment terminal 200, the payment terminal ( In the process of generating a predetermined payment approval request message for electronic payment processing in step 200, the payment approval request message further includes the unique code information, so that the card company (or financial company) receiving the payment approval request message last Regarding one embodiment of the merchant card terminal management system to identify the payment terminal 200 irrespective of the terminal number information previously included in the full payment approval request, a person having ordinary knowledge in the technical field to which the present invention belongs. If so, the payment terminal 200 can be uniquely identified in a predetermined memory provided in the payment terminal 200 by referring to and / or modifying the drawing 1. After storing the predetermined unique code information, it can be carried out by inferring various implementation methods for identifying the payment terminal 200 in the predetermined electronic payment processing process by including in the full payment approval request, the present invention It is to be understood that the present invention is not limited to the above inferred implementation method, and the inferred implementation method.

The payment terminal 200 provided in the affiliated store may have a serial number assigned by the manufacturer in the process of manufacturing the terminal, and / or a serial number assigned to the payment terminal 200 by a value added network (VAN) company, and And / or at least one of a serial number assigned to the payment terminal 200 by a predetermined payment terminal 200 and / or a serial number assigned to the payment terminal 200 by a predetermined card company (or financial company). Unique code information is assigned, and the unique code information structure follows a code structure defined by the unique code information assigning entity, and the present invention is not limited to the specific code structure.

According to the method of the present invention, the unique code information is preferably stored in a read-only memory of the memory provided in the payment terminal 200, stored in a read / write memory according to the intention of the skilled person, and / or It may be provided in the security application module provided in the payment terminal 200, whereby the present invention is not limited.

The payment approval request terminal transmitted from the payment terminal 200 is transmitted to a predetermined relay server (eg, a VAN server) provided on a predetermined payment network 150 (eg, a value added communication network (VAN)). The relay server on the network 150 reads the full text of the payment approval request (for example, by reading the first four digits of the card number of the Track II data included in the full text of the payment approval request) and the card company to which the full text of the payment approval request is finally received. Or a financial company) and relays the full payment approval request message to the server 100 provided in the confirmed card company (or financial company).

The server 100 provided in the card company (or financial company) is a terminal defined in the unique code information stored in the payment terminal 200 provided in the affiliated store and corresponding affiliated store information (eg, the payment terminal 200 provided in the affiliated store). And an information storage unit 135 for linking and processing the information including the number information in a predetermined storage medium 120.

According to an exemplary embodiment of the present invention, the information storage unit 135, in the process of mounting a predetermined payment terminal 200 in the merchant, the merchant information and the payment terminal 200 manufacturer and / or bansa and / Alternatively, the payment terminal 200 receives the unique code information stored in the payment terminal 200 from the seller, and preferably stores the stored information in a predetermined storage medium 120 by integrating the provided merchant information and the unique code information. .

According to another exemplary embodiment of the present invention, the information storage unit 135 generates predetermined unique code information to be assigned to the payment terminal 200 to be mounted in the affiliate store, and stores the predetermined unique code information in the corresponding payment terminal 200. Preferably, the payment terminal 200 acquires the affiliated store information while the payment terminal 200 is mounted in the affiliated store, processes the affiliated store information and the unique code information, and stores the affiliated store information in a predetermined storage medium 120.

According to the exemplary embodiment of the present invention, the storage medium 120 may be provided in the server 100 provided in the card company (or the financial company) or located on a network interoperating with the server 100. The present invention is not limited thereby.

Referring to FIG. 1, the server 100 provided in the card company (or financial company) receives the full text of the payment approval request message transmitted from the merchant payment terminal 200 through the payment network 150. And a unique code extracting unit 110 for reading the received payment approval request text and extracting the unique code information, and predetermined merchant information from the storage medium 120 based on the extracted unique code information. Confirmation and extraction information confirmation unit 115, and stores the confirmation details in a predetermined confirmation history D / B (not shown), and / or included in the merchant information corresponding to the unique code and the full payment approval request And an information processing unit 125 for comparing the terminal-specific information, and determining whether to match. After the predetermined payment approval procedure for the full payment approval request is performed, Further comprising a specialized transmission unit 130 for transmitting a predetermined payment approval full text corresponding to the received payment approval request full text including the U-code information to the payment terminal 200 through the payment network 150 It is preferable.

The specialized receiving unit 105 is predetermined from the payment terminal 200 through a predetermined payment network 150 in accordance with a predetermined transaction protocol defined between at least one or more payment terminals 200 and the card company (or financial company). Receive a predetermined payment approval request full text (for example, credit card payment request full text, or check card payment request full text, etc.) generated and transmitted, including the unique code information, the received payment approval request full text It is provided to the unique code extraction unit 110.

The unique code extracting unit 110 extracts the unique code information included in (or inserted into) a predetermined area of the payment approval request text by reading the received payment approval request text structure. The extracted unique code information is provided to the information checking unit 115.

According to an exemplary embodiment of the present invention, the unique code information may be encrypted in the payment terminal 200 and included (or inserted) in the full payment approval request to prevent the risk of exposure. The extraction unit 110 preferably decrypts the encrypted unique code information. For example, when the unique code information is encrypted in a predetermined symmetric key method in the payment terminal 200, the unique code extraction unit 110 is the encrypted unique through a predetermined decryption key corresponding to the symmetric key encryption. If the unique code information is encrypted in the public key infrastructure in the payment terminal 200, the unique code extraction unit 110 is a card company (or financial company) corresponding to the public key infrastructure. The encrypted unique code information can be decrypted through the private key.

The information checking unit 115 searches for the storage medium 120 using the extracted unique code information as a keyword, thereby obtaining predetermined merchant information stored in association with the unique code information from the storage medium 120. Characterized in that the identification and extraction.

According to an embodiment of the present invention, the affiliated store information stored in the storage medium 120 includes terminal number information defined in the payment terminal 200 provided in the affiliated store, a corresponding affiliate store name, a business address of an affiliated store, a business registration number, a representative It is preferable to include basic information such as a name, and the like, the merchant information is included in the payment approval message to be transmitted to the payment terminal 200 in response to the payment approval request message in the server 100.

The information processing unit 125 stores the confirmation information performed by the information confirmation unit 115 in a predetermined confirmation history D / B (not shown), thereby including the unique code information ( Or insertion) to easily perform a procedure such as canceling a transaction approval for the received payment approval request text.

In addition, the information processing unit 125 includes the terminal number information included in the affiliated store information extracted from the storage medium 120 through the unique code information in the information checking unit 115 and the terminal included in the full payment approval request. It is characterized by comparing the unique information to determine the match.

According to an exemplary embodiment of the present invention, the terminal number information included in the affiliate store information extracted from the storage medium 120 by the information processing unit 125 and the terminal unique information included in the full payment approval request message are the same. If it is determined, the card company (or financial company) may recognize that the payment approval request corresponding to the full payment approval request is requested by the merchant in which the payment terminal 200 is provided according to the conventional card payment procedure.

According to another exemplary embodiment of the present invention, the terminal number information included in the affiliate store information extracted from the storage medium 120 by the information processing unit 125 does not match the terminal specific information included in the full payment approval request. If not determined, the card company (or financial company) through the payment terminal 200 provided in the merchant corresponding to the payment authorization request corresponding to the payment approval request extracted from the storage medium 120, the payment approval request 200 The affiliated store corresponding to the terminal number information included in the full payment approval request may recognize that payment is requested for payment (eg, collection payment through a collection card).

2 is a diagram illustrating a functional configuration of a payment terminal 200 according to an embodiment of the present invention.

More specifically, Figure 2 relates to an embodiment of a payment terminal 200 for requesting payment approval by including (or inserting) unique code information in a predetermined payment approval request text, in the technical field to which the present invention pertains. Those skilled in the art may refer to and / or modify the drawing 2 to include (or insert) unique code information in the full payment approval request to infer various payment terminals 200 for requesting payment approval. It will be appreciated, however, that the present invention encompasses all such inferred practice methods.

Referring to FIG. 2, the payment terminal 200 basically includes a control unit 205, a memory unit 250, a card reader unit 210, a key input unit 220, a screen output unit 215, and a communication processing unit 230. And a power supply unit 225 for supplying power to the security application module 235, the print output unit 240, and the payment terminal 200, at least one terminal function unit according to the intention of those skilled in the art (not shown) ) And the like.

The control unit 205 controls the overall operation of the payment terminal 200 in the functional configuration, manages the flow of information or data between each component, and includes (or inserts) unique code information in a predetermined payment approval request text. And controlling components provided in the payment terminal 200 to request payment approval, and execute at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing software-specific functions of the payment terminal 200. Predetermined program routines and / or programs which are loaded from the predetermined recording medium into the execution memory for processing by the processor. A predetermined program and / or the payment recorded on a recording medium provided in the payment terminal 200 for requesting payment approval by including (or inserting) unique code information in the full text of the payment approval request. The control unit 205 is provided with a component that can be processed in software from among the functional components provided in the payment terminal 200 to request payment approval by including (or inserting) unique code information in the full approval request. It is characterized by consisting of).

According to the exemplary embodiment of the present invention, the control unit 205 outputs a component (eg, the memory unit 250, the card reader unit 210, the key input unit 220, and a screen) provided in the payment terminal 200. The payment terminal 200 is interworked with the communication unit 230, the communication processing unit 230, the security application module 235 and the print output unit 240 and / or a terminal functional unit (not shown) according to the intention of those skilled in the art. In addition to controlling and managing the provision of the electronic payment service defined in the), the payment terminal 200 is provided in the payment terminal 200 to request payment approval by including (or inserting) unique code information in the payment approval request text according to the present invention. Are recorded on a recording medium provided in the payment terminal 200 to request payment approval by controlling (or inserting) unique code information in the full payment approval request message. To run the program Preferable.

The memory unit 250 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 200 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the control unit 205 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the present invention, the read-only memory of the memory unit 250 may store predetermined unique code information to be included in (or inserted into) a payment approval request.

According to the exemplary embodiment of the present invention, the unique code information stored in the memory unit 250 is preferably stored in an unencrypted state. In this case, the payment terminal 200 sets the unique code information in a predetermined manner. Encrypted by an encryption method (for example, a symmetric key encryption method or a public key infrastructure encryption method) to include (or insert) in the full text of the payment approval request, or to include (or insert) in the full text of the payment approval request without encryption. It's all possible.

According to an exemplary embodiment of the present invention, the unique code information stored in the memory unit 250 is preferably stored encrypted by a predetermined encryption method (for example, a symmetric key encryption method or a public key infrastructure encryption method). In this case, the payment terminal 200 includes (or inserts) the encrypted unique code information in the encrypted payment request message in the encrypted state, or decrypts the encrypted unique code information to complete the payment approval request message. It is possible to include (or insert) in.

The customer using the card requesting payment processing according to the present invention through the payment terminal 200 is based on an ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, and / or an ISO / IEC 7816 standard. Has (or owns) a card including at least one IC card (or wireless IC chip) and / or a non-contact IC card (or wireless IC chip) based on ISO / IEC 14443 standard, wherein the card reader unit ( 210 is characterized in that to provide an interface for reading at least one or more information or data provided in the card.

According to the method of the present invention, the card reader unit 210 is an MS reader unit for providing an interface between the MS card and the payment terminal 200, and / or the contact IC card and the payment terminal 200. And a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 200.

The MS reader unit is a card reader unit 210 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal 200 using the loaded.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal 200.

The contactless IC reader part is a card reader part 210 based on ISO / IEC 14443. The contactless IC reader part uses at least electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 200.

According to an embodiment of the present invention, the card reader unit 210 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 210 for the electronic payment service defined in the payment terminal 200. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account.

The key input unit 220 is provided with at least one key button including at least one number key and / or character key and / or function key. Detects information (or a signal) inputted from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal 200 controlled by the controller 205. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 205. The control unit 205 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 200, and / or is defined in accordance with the key event. Characterized in that for obtaining a command to execute the function. The key input unit 220 and the key input device having at least one key button interoperate with each other to perform a function of a key input unit provided in the payment terminal 200.

The key input device interoperating with the key input unit 220 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 220 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one key input device for the electronic payment service defined in the payment terminal 200. It is preferable to perform the function of the key input means for receiving the input, and also the payment from the key input device to request the payment approval by including (or inserting) the unique code information in the payment approval request text according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of requesting payment approval by including (or inserting) the unique code information in the full approval request.

The screen output unit 215 is a liquid crystal display (LCD) and / or by the control unit 205 while the payment terminal 200 performs a predetermined function (for example, the electronic payment processing function using a card) And outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. 215 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal 200.

Predefined information or data to be output from the payment terminal 200 to the screen output device, the key data input through the key input unit 220, and / or the components provided in the payment terminal 200 Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 230, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 200. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 215 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 200 It is preferable to perform the function of the output means, and also include (or insert) the unique code information in the payment approval request full text according to the present invention to request the payment approval to the screen output device unique code to the payment approval request full text It is preferable to perform a function of the screen output means for outputting a processing screen corresponding to the step of including (or inserting) information and requesting payment approval.

The communication processing unit 230 is a terminal on the payment network 150 (eg, a value added network (VAN)) while the payment terminal 200 performs a predetermined function (for example, an electronic payment processing function using a card). (Or a server) and / or a terminal (or device) connected to the payment terminal 200 through a predetermined cable and / or a terminal (or device) connected to the payment terminal 200 through predetermined short-range wireless communication. And a predetermined communication means for connecting a communication session with a network communication unit for connecting a predetermined communication channel with a server (or device) on a wired or wireless network, and / or via a predetermined cable communication port. A predetermined short distance communication terminal (or device) device and a predetermined short distance communication terminal (or device) through a cable communication unit for connecting a communication session with a terminal (or device) Comprised, including the short-range wireless communication unit for connecting to the communication session comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And a communication channel with a server (or device) on the wired / wireless network through a predetermined wireless network including a wireless data communication network, and to connect the payment terminal 200 to a predetermined wired / wireless network in hardware. It includes a modem or a network interface card (NIC), and includes a communication protocol and / or a driver for connecting the payment terminal 200 to the wired or wireless network in software.

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable may be connected in hardware. It comprises a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

The Secure Application Module (235) is a confidentiality and / or authentication required by the payment terminal 200 in the process of performing the electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, etc., within the payment terminal 200 without using an authentication server (or payment server) on the payment network 150. As a safety device for performing a reliable and reliable structure, a predetermined message (information or data) processed by the payment terminal 200 performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). ) Encrypts or decrypts, adds an authenticator that prevents forgery (or tampering) of the message, or provides important information in the process of performing the security request function. It characterized in that it performs the function of Chapter.

In general, the security application module 235 is preferably composed of a predetermined security application module 235 inserter and a security application module 235 chip, the security application module 235 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 235 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 200 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit 240 may process the payment terminal 200 to perform a predetermined function (eg, an electronic payment processing function using a card) and / or predetermined information or data (eg, payment processing) generated as a result. Outputting the result information or data to a predetermined printing device (for example, a receipt printer), and a printing protocol for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. And a driver.

Referring to FIG. 2, the payment terminal 200 includes (or inserts) unique code information in the full payment approval request message according to the present invention to request payment approval, and the predetermined payment approval in the payment terminal 200. When generating the full text of the request, an extracting unit 255 for extracting predetermined unique code information from the memory unit 250 and a full text generating unit for generating a predetermined payment approval request full text including (or inserting) the unique code information. 260 and a specialized transmission unit 265 for transmitting the generated payment approval request full text through the payment network 150 in association with the communication processing unit 230.

When the payment terminal 200 generates a predetermined payment approval request message, the extraction unit 255 extracts predetermined unique code information from a read-only memory unit in which the unique code information is stored in the memory unit 250. Characterized in that provided by the professional generation unit 260.

The full text generation unit 260 may include payment means information obtained from a predetermined card through the card reader, predetermined payment information input through the key input unit, and the memory unit 250 (and / or a security application module). Generates a predetermined payment approval request text including the terminal number information extracted from the), and the unique code information extracted through the extraction unit 255 in the predefined region of the payment approval request text generated as shown in FIG. It characterized by including (or inserting).

The specialized transmission unit 265 transmits the payment approval request message generated by the specialty generation unit 260 to a relay server on the payment network 150 through a communication network to which the network communication unit of the communication processing unit 230 is connected. The relay server on the payment network 150 may transmit the transmitted payment approval request message to the server 100 provided at a predetermined card company (or financial company).

3 is a diagram illustrating the full payment approval request generated in the merchant payment terminal 200 according to an embodiment of the present invention.

In more detail, Figure 3 is an embodiment of the method for the full credit card payment approval request generated by the merchant payment terminal 200 as shown in Figure 2, in the merchant card terminal management system as shown in FIG. If a person of ordinary skill in the art to which the present invention pertains belongs, the unique code information according to the present invention is included (or inserted) in the full payment approval request corresponding to each card payment by referring to and / or modifying the drawing 3. Various embodiments of the present invention may be inferred, but the present invention includes all of the inferred embodiments, and the present invention is not limited by the inferred embodiments.

Referring to FIG. 3, the payment approval request full-text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And a checksum (CRC-CCITT) for the specialized information after the terminating character, and a transaction classification item (eg, credit approval request, credit cancellation cancellation, etc.) related to the credit card settlement; A Terminal_ID item for the payment terminal 200, a POS Entry Mode item, and a TRACK II Data item corresponding to payment means information obtained from a predetermined card through a card reader provided in the payment terminal 200 (e.g., Credit card information obtained from the Primary Account Number (PAN) area of TRACK II of MS Card and Additional Data (AD) and / or Discretionary Data (DD) area, or credit card information obtained from the credit card file of IC card). include After the FS (File Separator, 0X1C), it includes the installment month item, the total amount item, and the service fee item corresponding to the credit card payment information, and also the working key index item, password item, product code Item and document serial number item. Persons of ordinary skill in the art to which the present invention pertains will clearly understand the details of each item included in the credit card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

According to the present invention, the payment approval request specialized information item 14 includes the unique code information according to the present invention (or inserted), and the specialized information item 3 includes the conventional terminal number information.

4 is a diagram illustrating a process of generating a full payment approval request in a payment terminal 200 according to an embodiment of the present invention and transmitting it to a card company (or a financial company).

In more detail, Figure 4 is a merchant card terminal management system as shown in Figure 1, the merchant payment terminal 200 as shown in Figure 2, including (or insert) predetermined unique code information as shown in Figure 3 The present invention relates to a method for generating a request for approval and requesting approval of payment to a predetermined credit card company (or financial company). Those skilled in the art may refer to FIG. And / or may generate various payment approval request texts containing (or inserting) predetermined unique code information in each card payment process, and may infer various implementation methods for requesting payment approval, but the present invention is inferred from the above. It is to be understood that the present invention is not limited to the implementation method, which includes all implementation methods, and is inferred by the above-described implementation method.

Referring to FIG. 4, the payment terminal 200 provided in an affiliated store on the affiliated card terminal management system as shown in FIG. 1 may include at least one payment means (eg, a credit card payment means) through a predetermined card reader device. , Debit card payment method, check card payment method, prepaid card payment method, financial account payment method, point payment method, etc. 400, after inputting predetermined payment information (for example, payment amount and installment months, etc.) through a predetermined key input device (or received from a point of sales terminal) (405), the payment terminal Extracting terminal number information for the payment terminal 200 from the memory unit 250 and / or the security application module of 200, and the unique code information according to the present invention from the read-only memory of the memory unit 250 Extract (410).

Thereafter, the payment terminal 200 generates the full payment approval request message as shown in FIG. 3 including the payment means information, payment information, terminal number information, and unique code information according to the present invention (415).

According to an embodiment of the present invention, the payment terminal 200 includes a predetermined encryption in order to prevent the unique code information from being exposed to the outside in including (or inserting) the unique code information in the full payment approval request. It is preferable to encrypt in a manner, and the encrypted unique code information is preferably decrypted in the server 100 provided in the card company (or financial company) that finally receives the full payment approval request.

In addition, the payment terminal 200 transmits the generated payment approval request message through the payment network 150 (eg, a value-added communication network) (420), and the payment approval request message is transmitted on the payment network 150. When received by a predetermined relay server (eg, a VAN server) provided, the relay server relays the payment approval request message to the server 100 provided at the card company (or financial company) corresponding to the payment means information ( 425).

5 is a diagram illustrating a payment approval process using a full payment approval request including unique code information according to an embodiment of the present invention.

In more detail, Figure 5 is a method for performing a payment approval procedure corresponding to the card payment using the payment approval request message received by the card company (or financial company) by including (or inserting) predetermined unique code information. For those of ordinary skill in the art to which the present invention pertains, a payment approval request including (or inserting) predetermined unique code information in each card payment process is made by referring to and / or modifying the drawing 5. Various implementation methods for approving the card payment may be inferred based on the full text, but the present invention includes all the inferred implementation methods, and the present invention is not limited by the inferred implementation method. .

Referring to FIG. 5, the server 100 provided in the card company (or financial company) receives and reads a predetermined payment approval request message transmitted from the payment terminal 200 through the payment network 150. The payment approval request corresponding to the full payment approval request is processed (500).

According to an embodiment of the present invention, a predetermined payment approval result is generated in the process of processing the payment approval request, and the payment approval result may include one of payment approval or payment rejection (or payment error). .

Thereafter, the server 100 checks whether the unique code information according to the present invention is included (or inserted) in the full payment approval request (505).

If the payment approval request text does not include (or insert) unique code information according to the present invention (510), the server 100 processes the payment approval according to the payment approval procedure corresponding to the payment approval request text. In operation 515, payment processing corresponding to the full payment approval request is performed.

On the other hand, if the payment approval request includes the unique code information according to the present invention (or inserted) (510), the server 100 receives the terminal number information and the unique code information according to the present invention from the payment approval request. In operation 525, predetermined affiliate store information matching the unique code information is extracted from the storage medium 120 based on the extracted unique code information (525).

Thereafter, the server 100 checks whether the terminal number information matches by comparing the terminal number information extracted from the full payment approval request text with the terminal number information included in the affiliate store information extracted from the storage medium 120. (530).

If the terminal number information does not match (535), the server 100 is a merchant corresponding to the unique code information (e.g., a merchant having a payment terminal 200) and the payment subject (e.g., terminal number information). A predetermined payment processing details (eg, collection card payment processing details) including a disapproval payment approval result is generated (540).

On the other hand, if the terminal number information is matched (535), the server 100 is associated with the merchant (e.g., merchant having a payment terminal 200) corresponding to the unique code information and the payment subject (e.g., terminal number information). The corresponding affiliated store) generates a predetermined payment processing history including the settlement approval result (S545).

Thereafter, the server 100 stores the generated payment processing details in a predetermined payment history D / B (not shown) (550), and includes a predetermined payment corresponding to the full payment approval request message including the payment approval result. A payment approval message is generated (555) and the generated payment approval message is transmitted to the payment terminal 200 through the payment network 150 (560).

6 is a diagram showing the functional configuration of a payment terminal 200 according to another embodiment of the present invention.

In more detail, Figure 6 includes a predetermined collection of terminal number information corresponding to a collection card owned by the goods supplier in a predetermined payment approval request, and the payment approval by including (or inserting) the unique code information according to the present invention. Regarding one embodiment of the payment terminal 200 for requesting the present invention, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the present drawing 6 in a predetermined number for a payment approval request. Including (or inserting) financial terminal number information and unique code information may be implemented by inferring various payment terminals 200 for requesting payment approval, but the present invention includes all the inferred implementation methods. It is to be revealed.

Referring to FIG. 6, the payment terminal 200 basically includes a control unit 205, a memory unit 250, a card reader unit 210, a key input unit 220, a screen output unit 215, and a communication processing unit 230. And a power supply unit 225 for supplying power to the security application module 235, the print output unit 240, and the payment terminal 200, at least one terminal functional unit according to the intention of those skilled in the art Omission). Hereinafter, a description of the functional component overlapping with that of FIG. 2 among the functional terminal of the payment terminal 200 shown in FIG. 6 will be omitted for convenience.

According to the present invention, as described in FIG. 2, the read-only memory of the memory unit 250 stores predetermined unique code information to be included (or inserted) in the full payment approval request.

In addition, the memory unit 250 is characterized in that the collection card information corresponding to at least one collection card owned by at least one item supplier and the terminal number information for goods supplier collection is stored in association. For example, if the payment terminal 200 is provided in a predetermined pharmacy, the payment terminal 200 is a collection terminal number for processing at least one or more pharmaceutical companies and / or drug distributors dealing with the pharmacy as a card payment merchant The information and the predetermined collection card information corresponding to the collection card possessed by the sales person of each pharmaceutical company and / or drug distributor may be processed and stored in association.

According to the embodiment of the present invention, the collection terminal number information corresponds to the terminal number information defined in the payment terminal for the goods supplier 200 provided in the store of the goods supplier, or the collection payment processing according to the present invention It is possible to all correspond to the virtual terminal number information assigned from a predetermined card company (or financial company), by which the present invention is not limited.

Referring to FIG. 6, the payment terminal 200 includes (or inserts) a predetermined collection terminal number information and a unique code information in a payment approval request message in accordance with the present invention to request payment approval. At the time of generating a predetermined payment approval request message at 200, the predetermined unique code information is extracted from the memory unit 250, and the collection card information obtained from the collection card owned by the goods supplier through the card reader 210. Extraction unit 255 for extracting the terminal number information for collection from the memory unit 250 and a predetermined payment approval request full text including (or inserting) the collection terminal number information and the unique code information It is provided with a full text generation unit 260 for generating, and a full text transmission unit 265 for transmitting the generated payment approval request full text through the payment network 150 in conjunction with the communication processing unit 230. It is characterized by.

When the predetermined payment approval request message is generated in the payment terminal 200, the extraction unit 255 extracts predetermined unique code information from a read-only memory unit in which the unique code information is stored in the memory unit 250. Characterized in that it is provided to the full text generation unit 260, and when the collection card information is read from the collection card owned by the goods supplier through the card reader unit 210, by using the collected collection card information Characterized in that the collection of the terminal number information for the collection processing associated with the collection card information from the memory unit 250.

According to another exemplary embodiment of the present invention, the collection card of the goods supplier may store predetermined collection terminal number information, and in this case, the collection card information of the goods supplier and the collection money in the memory unit 250. Terminal number information is not stored in association with the card reader unit 210 before the payment terminal 200 generates the payment approval request full text from the collection card through the card reader unit 210 to the number It is possible to read the financial terminal number information and provide it to the full text generation unit 260, whereby the present invention is not limited.

The full text generation unit 260 uses payment means information acquired from a predetermined card through the card reader unit, predetermined payment information input through the key input unit, and the collection unit 255 uses the collection card information. To generate a predetermined payment approval request text including the collection terminal number information extracted from the memory unit 250, and the extraction unit 255 in the predefined area of the payment approval request text generated as shown in FIG. Characterized in that it includes (or insert) the predetermined unique code information extracted through.

The specialized transmission unit 265 transmits the payment approval request message generated by the specialty generation unit 260 to a relay server on the payment network 150 through a communication network to which the network communication unit of the communication processing unit 230 is connected. The relay server on the payment network 150 may transmit the transmitted payment approval request message to the server 100 provided at a predetermined card company (or financial company).

7 is a diagram illustrating the full payment approval request generated by the merchant payment terminal 200 according to another embodiment of the present invention.

In more detail, Figure 7 is an embodiment of the method for the full credit card payment approval request generated by the merchant payment terminal 200 as shown in Figure 6 in the merchant card terminal management system as shown in FIG. In the technical field to which the present invention pertains, a unique code information according to the present invention is included (or inserted) in the full payment approval request corresponding to each card payment by referring to and / or modifying the drawing 7. Various embodiments of the present invention may be inferred, but the present invention includes all of the inferred embodiments, and the present invention is not limited by the inferred embodiments. In the following description, the description overlapping with the drawing 3 will be omitted for convenience of description.

Referring to FIG. 7, the professional information item 14 of the payment approval request specialist includes (or inserts) unique code information extracted from the memory unit 250 of the payment terminal 200. The terminal number information for the collection extracted from the memory unit 250 is included based on the collection card information read from the collection card of the goods supplier.

FIG. 8 is a diagram illustrating a process of generating a full payment approval request in a payment terminal 200 and transmitting it to a card company (or a financial company) according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 is a payment card that includes (or inserts) predetermined unique code information as shown in FIG. 7 in the merchant card terminal management system as shown in FIG. As an embodiment of a method for generating a request for approval and requesting approval of payment to a predetermined credit card company (or financial company), a person having ordinary knowledge in the technical field to which the present invention belongs may refer to FIG. And / or modified to generate various payment authorization request messages including (or inserting) the collection terminal number information of the goods supplier and the unique code information in each card payment process, and infer various implementation methods for requesting payment approval. It will be appreciated that the present invention encompasses all of the inferred practice methods, and that the invention is not limited by the inferred practice method. Bayida leave.

Referring to FIG. 8, a process of requesting payment approval by generating a payment approval request text including (or inserting) the collection terminal number information of the goods supplier and the unique code information is provided in the payment terminal 200 provided in the affiliated store. It is preferable to start through the process 800 of switching the operation mode of the collection card payment mode.

According to an embodiment of the present invention, the collection card payment mode as described above is made manually by inputting a payment mode telephone key button provided in the payment terminal 200 or provided in the payment terminal 200. The card reader can be all made automatically by reading predetermined collection card information from the collection card of the goods supplier, thereby the present invention is not limited.

After the operation mode of the payment terminal 200 is switched to the collection card payment mode, the payment terminal 200 recognizes the collection card of the goods supplier through the card reader device, the predetermined from the recognized collection card The collection card information is read (805), and the predetermined collection terminal number information for the collection and stored in association with the collection card information from the memory unit 250 is extracted based on the read collection card information (810).

According to an exemplary embodiment of the present invention, the process of extracting collection information of a collection device from the collection card of the goods supplier and extracting collection information of the collection terminal number associated with the collection card information from the memory unit 250 may include: The payment terminal 200 only needs to be performed before a predetermined payment approval request is generated, and thus the present invention is not limited thereto.

Thereafter, the payment terminal 200 uses at least one payment means (eg, credit card payment method, debit card payment method, check card payment method) through a predetermined card reader device. Reads predetermined payment means information from a card equipped with a prepaid card payment means, financial account payment means, point payment means, etc. (815), and provides predetermined payment information (e.g., a predetermined key input device). , After inputting a payment amount and an installment month, etc. (or received from a POS (Point Of Sales) terminal) (820), the payment from the memory unit 250 and / or the security application module of the payment terminal 200 Terminal number information for the terminal 200 is extracted, and unique code information according to the present invention is extracted from the read-only memory of the memory unit 250 (825).

Thereafter, the payment terminal 200 generates the full payment approval request message as shown in FIG. 7 including the payment means information, the payment information, the collection terminal number information, and the unique code information according to the present invention (830).

According to an embodiment of the present invention, the payment terminal 200 includes a predetermined encryption in order to prevent the unique code information from being exposed to the outside in including (or inserting) the unique code information in the full payment approval request. It is preferable to encrypt in a manner, and the encrypted unique code information is preferably decrypted in the server 100 provided in the card company (or financial company) that finally receives the full payment approval request.

In addition, the payment terminal 200 transmits the generated payment approval request message through the payment network 150 (eg, a value-added communication network) (835), and the payment approval request message is transmitted on the payment network 150. When received by a predetermined relay server (eg, a VAN server) provided, the relay server relays the payment approval request message to the server 100 provided at the card company (or financial company) corresponding to the payment means information ( 840).

Subsequently, the payment approval procedure using the full payment approval request message in the server 100 provided in the card company (or financial company) is as shown in FIG. 5, and the payment network 150 is transferred from the server 100. When the payment approval message as shown in FIG. 9 is received through the payment terminal 200, the payment terminal 200 outputs a payment receipt as shown in FIGS. 10a and / or 10b based on the payment approval message.

Figure 9 illustrates the full payment approval received by the payment terminal 200 according to an embodiment of the present invention.

In more detail, FIG. 9 is a merchant card terminal management system as shown in FIG. 1, wherein the credit card company (or financial company) responds to the full payment approval request for credit settlement generated by the merchant payment terminal 200 as shown in FIG. As an embodiment of the payment approval received from the server 100 provided in the), those of ordinary skill in the art to which the present invention pertains, each card by referring to and / or modified this figure 9 Various implementation methods may be inferred to the full payment approval corresponding to the settlement, but the present invention includes all the inferred implementation methods, and the present invention is not limited by the inferred implementation method.

Referring to FIG. 9, the approval preamble structure includes at least one or more preamble information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), and the termination. Characterized after the character further comprises a checksum (CRC-CCITT) for the specialized information, the transaction classification item corresponding to the transaction classification associated with the credit settlement included in the full payment approval request message shown in Figure 7 (Eg, credit approval request, credit approval cancellation, etc.), Terminal_ID item for the payment terminal 200, status value item (eg, 'O': credit card payment request normal approval, 'X': credit card payment request denied ), Transaction date and time item, message 1 item, message 2 item, message 3 item, message 4 item, authorization number item (e.g., if the status value is 'O', credit approval number, or the status value is 'X') , Credit card chargeback reason codes), ID number, card company (bank) type name item, issuer ID item, document serial number item included in the payment approval request document shown in the drawing 7, merchant number item, purchaser item, comment item, HELP DESK PHONE NO Item, PIN DATA item, and Control_Flag item. Those skilled in the art to which the present invention pertains can clearly understand the details of each approval result item included in the credit card payment approval specialist with reference to FIG. Description is omitted.

According to the embodiment of the present invention, the payment approval item for the collection information extracted from the memory unit 250 of the payment terminal 200 on the basis of the collection card information read from the collection card of the goods supplier in the specialized information item 3 Terminal number information is included.

10A and 10B are diagrams illustrating a credit settlement receipt according to an embodiment of the present invention.

In more detail, Figures 10a and 10b are examples of payment receipts that are output after payment approval processing by the merchant payment terminal 200 as shown in Figure 6, in the merchant card terminal management system as shown in Figure 1, Specifically, FIG. 10A illustrates a payment receipt for a case where an affiliate store corresponding to the unique code information (for example, an affiliate store provided with the payment terminal 200) and the payment entity (eg, an affiliate store corresponding to the terminal number information) match. 10b shows a payment for a case where an affiliate store corresponding to the unique code information (for example, an affiliate store provided with the payment terminal 200) and the payment entity (for example, an affiliate store corresponding to the terminal number information) do not match. It is an example of a receipt.

Referring to FIGS. 10A and 10B, the terminal number item, the affiliated store name item, the affiliated store number item, the business registration number item and / or the inquiry telephone item, although printed on the payment receipt through the same payment terminal 200 This may be different from each other, thereby enabling the predetermined payment terminal 200 provided in the affiliated store to be used as a payment terminal 200 for a collection card without additional device and / or network addition.

11 is a diagram illustrating an affiliated card terminal management system according to another exemplary embodiment of the present invention.

In more detail, FIG. 11 shows the payment terminal after storing predetermined unique code information for uniquely identifying the payment terminal 200 in a read-only memory of a predetermined payment terminal 200 provided at an affiliate store. In the process of generating a predetermined payment approval request text for electronic payment processing in step 200 and transmitting it to a predetermined payment network 150, the generated payment approval request text and the unique code information and the collection card are read from the collection card of the goods supplier. When the collected payment card information is transmitted to the server 1100 on the communication network, the server 1100 replaces the terminal number information included in the full payment approval request with the collection terminal number information corresponding to the collection card information, and By including (or inserting) the unique code information in the full text of the payment approval request, the card company (or financial company) that finally receives the full text of the payment approval request as shown in FIG. It relates to an embodiment of the merchant card terminal management system to identify the payment terminal 200 irrespective of the terminal number information previously included in the full payment approval request. Hereinafter, in FIG. 11, a description overlapping with FIG. 1 will be omitted for convenience.

The payment terminal 200 provided in the affiliated store may have a serial number assigned by the manufacturer in the process of manufacturing the terminal, and / or a serial number assigned to the payment terminal 200 by a value added network (VAN) company, and And / or at least one of a serial number assigned to the payment terminal 200 by a predetermined payment terminal 200 and / or a serial number assigned to the payment terminal 200 by a predetermined card company (or financial company). The unique code information is stored, and the payment approval request in the process of generating a predetermined payment approval request full text in the payment terminal 200 and transmits to the server 100 provided in the card company (or financial company) It characterized in that the transmission in association with the unique code information and collection card information of the goods supplier to the full text.

According to the present invention, the payment approval request message and the unique code information and the collection card information transmitted from the payment terminal 200 are characterized in that the transmission to the server 1100 on the communication network.

According to an embodiment of the present invention, the server 1100 on the communication network may be a relay server provided in the payment network 150, or a relay server provided in the affiliated store (for example, a large mall in which at least one store is concentrated in the affiliated store). When located in, it is preferable to include at least one server) provided in order to manage the payment terminal 200 in the large mall. In FIG. 11, the server 1100 is illustrated as being provided on the payment network 150, but the present invention is not limited thereto.

The server 1100 on the communication network includes a collection card D / B for storing and processing at least one collection card information and collection terminal number information, and / or the collection card D / B through a predetermined network. It is characterized by interlocking.

Referring to FIG. 11, the server 1100 on the communication network receives a receiving unit 1105 for receiving the full payment approval request message, unique code information, and collection card information from the payment terminal 200, and the received collection card information. On the basis of the collection information from the collection card D / B to collect the predetermined collection terminal number information linked to the collection card information and replaces (or replaces) the terminal number information of the payment approval request professional with the extracted collection terminal number information And the processor 1110 including (or inserting) the received unique code information in the full text of the payment approval request, the collection terminal number information is replaced (or replaced), and the unique code information is included (or It is characterized in that it comprises a relay unit 1115 for relaying the inserted payment) complete request for payment approval to the server 100 provided in the card company (or financial company).

According to the present invention, the terminal 1 information of the payment approval request message is replaced (or replaced) by the collection terminal number information by the processing unit 1110, and includes (or inserts) the unique code information. The same function as the full payment approval request generated in the payment terminal 200 shown in FIG.

In addition, the server 100 provided in the card company (or financial company) is a professional receiving unit 105 for receiving the full payment approval request message transmitted from the merchant payment terminal 200 through the payment network 150, and the A unique code extracting unit 110 for reading the received payment approval request text and extracting the unique code information, and identifying and extracting predetermined merchant information from the storage medium 120 based on the extracted unique code information The information confirmation unit 115 and the confirmation details are stored in a predetermined confirmation history D / B (not shown), and / or the terminal-specific information included in the merchant information corresponding to the unique code and the full text of the payment approval request. And an information processing unit 125 for comparing the information and determining whether the information is matched. After the predetermined payment approval procedure for the full payment approval request is performed, the unique code information is provided. It is preferable to further comprise a specialized transmission unit 130 for transmitting a predetermined payment approval full text corresponding to the received payment approval request full text including the payment network to the payment terminal 200 through the payment network 150, Detailed description thereof will be omitted for convenience.

12 is a diagram illustrating the full payment approval request generated by the merchant payment terminal 200 according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a server on the communication network in connection with a predetermined payment approval request text and the unique code information and collection card information in an affiliated store payment terminal 200 provided in the affiliated card terminal management system as shown in FIG. As an example of a specialized structure for transmitting to 1100, a person having ordinary skill in the art to which the present invention pertains refers to the entire payment approval request corresponding to each card payment by referring to and / or modifying the drawing 12. Various implementation methods for transmitting the unique code information and collection card information to the server 1100 on the communication network may be inferred, but the present invention includes all the inferred implementation methods, and by the inferred implementation method It is to be understood that the present invention is not limited. In the following description, the description overlapping with FIG. 3 or 7 will be omitted for convenience of description.

Referring to FIG. 12 according to an embodiment of the present invention, in order to transmit a predetermined payment approval request full text and the unique code information and collection card information to the server 1100 on the communication network, the merchant payment terminal 200 ) Further includes the unique code information and the collection card information in a predetermined payment approval request text (for example, the information on the payment approval request professional text information items 1 to 13) shown in FIG. This is because the exemplary payment approval request is a payment approval request based on a Public Switched Telephone Network (PSTN) that provides character-based serial communication. If the payment approval request is a TCP / IP (Transmission Control Protocol / Internet Protocol) If the payment approval request is based on the full text of the communication approval request in conjunction with the full payment approval request and the unique code information and collection card information Specialized structure for transmitting to 1100 is made of a predetermined data block type.

Referring to FIG. 12, in the payment approval request telegram, the specialized information item 3 may include predetermined terminal number information or a null value, and thus the present invention is not limited thereto.

According to the present invention, the server 1100 on the communication network replaces the terminal number information included in the full payment approval request with the collection terminal number information corresponding to the collection card information, and replaces the unique code information with the payment approval request. By including (or inserting) in the full text and recalculating the payment approval request full text, the same payment approval request full text as the full text of the payment approval request shown in FIG. 7 is generated.

FIG. 13 is a diagram illustrating a process of generating a full payment approval request message from a payment terminal 200 and transmitting it to a card company (or a financial company) according to another exemplary embodiment of the present invention.

In more detail, FIG. 13 is a server 1100 on a communication network in connection with a predetermined payment approval request text, a unique code information, and a collection card information of a goods supplier in a merchant payment terminal 200 on a merchant card terminal management system as shown in FIG. As an embodiment of the method for transmitting to), those skilled in the art to which the present invention pertains, the predetermined payment approval request in each card payment process by referring to and / or modified in this drawing 13 Various implementation methods for transmitting the full text and unique code information and collection card information of the goods supplier to the server 1100 on the communication network may be inferred, but the present invention includes all the inferred implementation methods, It is to be understood that the present invention is not limited by the method of implementation.

Referring to FIG. 13, a process of requesting payment approval by generating a payment approval request text including (or inserting) the collection terminal number information of the goods supplier and the unique code information is provided in the payment terminal 200 provided in the affiliated store. It is preferable to start through the process (1300) of switching the operation mode of the collection card payment mode.

According to one embodiment of the invention, the collection card payment mode as described above is made manually by inputting the payment mode telephone key button provided in the payment terminal 200, or provided in the payment terminal 200 The card reader can be all made automatically by reading predetermined collection card information from the collection card of the goods supplier, thereby the present invention is not limited.

After the operation mode of the payment terminal 200 is switched to the collection card payment mode, the payment terminal 200 recognizes the collection card of the goods supplier through the card reader device, the predetermined from the recognized collection card The collection card information is read (1305).

According to the exemplary embodiment of the present invention, the process of reading predetermined collection card information from the collection card of the goods supplier only needs to be performed before the predetermined payment approval request text is generated in the payment terminal 200. The present invention is not limited by this.

Thereafter, the payment terminal 200 uses at least one payment means (eg, credit card payment method, debit card payment method, check card payment method) through a predetermined card reader device. And reads predetermined payment means information from a card equipped with a prepaid card payment means, financial account payment means, point payment means, etc. (1310), and provides predetermined payment information (e.g., a predetermined key input device). After inputting the payment amount and the installment months, etc. (or received from the POS (Point Of Sales) terminal) (1315), the full payment approval request including the payment method information, payment information and predetermined terminal number information In operation 1320, unique code information according to the present invention is extracted from a read-only memory of the memory unit 250 of the payment terminal 200 (1325).

Thereafter, the payment terminal 200 transfers the generated payment approval request message with the unique code information and collection card information to the server 1100 on the communication network (1330), and the server 1100 receives the received information. Using the collection card information to extract the predetermined collection terminal number information stored matched with the collection card information from the predetermined collection card D / B (1335), and the terminal number information included in the full text of the payment approval request It replaces (or substitutes) with the collection terminal number information (1340).

Further, the server 1100 on the communication network inserts (or includes) unique code information received from the payment terminal 200 into the payment approval request message (1345), and the payment approval request as shown in FIG. A full text is generated and the generated payment approval request text is relayed to the server 100 provided at the card company (or the financial company) corresponding to the payment means information through the payment network 150 (1350).

Subsequently, the payment approval procedure using the full payment approval request message in the server 100 provided in the card company (or financial company) is as shown in FIG. 5, and the payment network 150 is transferred from the server 100. When the payment approval message as shown in FIG. 9 is received through the payment terminal 200, the payment terminal 200 outputs a payment receipt as shown in FIGS. 10a and / or 10b based on the payment approval message.

14 is a diagram illustrating the full payment approval request generated in the merchant payment terminal 200 according to another embodiment of the present invention.

More specifically, FIG. 14 includes (or inserts) predetermined unique code information in a predetermined payment approval request text in a merchant payment terminal 200 as shown in FIG. 2 provided on the merchant card terminal management system as shown in FIG. As an example of a specialized structure for transmitting the payment approval request generated by the full text and the collection card information to the server 1100 on the communication network, the person having ordinary knowledge in the technical field to which the present invention belongs, Various implementations of including (or inserting) the unique code information in a payment approval request text corresponding to each card payment by referring to 14 and / or modifying the information, and transmitting the collection card information to the server 1100 on the communication network. The method may be inferred, but the present invention encompasses all of the inferred practice methods, and the invention is not limited by the inferred practice method. I do not know. In the following description of FIG. 14, a description overlapping with FIG. 3, 7, or 12 is omitted for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, in the full text of the payment approval request, the full text information item 3 may include predetermined terminal number information, or may include a null value. This is not limited.

According to the present invention, the server 1100 on the communication network replaces the terminal number information included in the payment approval request telegram with the collection terminal number information corresponding to the collection card information, and repeats the checksum of the payment approval request specialist. By calculating, a payment approval request full text identical to the payment approval request full text shown in FIG. 7 is generated.

15 is a diagram illustrating a process of generating a full payment approval request in a payment terminal 200 according to another embodiment of the present invention and transmitting it to a card company (or a financial company).

More specifically, FIG. 15 includes (or inserts) predetermined unique code information in a predetermined payment approval request message in a merchant payment terminal 200 as shown in FIG. 2 provided on the merchant card terminal management system as shown in FIG. In addition, as an embodiment of a method for transmitting the payment approval request information and a predetermined goods supplier owned collection card information in connection with the server 1100 on the communication network, having a general knowledge in the art 15, the server on the communication network by linking the full payment approval request message containing the unique code information (or inserted) and the collection card information owned by a certain supplier in the card payment process (see FIG. It will be able to infer various implementation methods to transmit to 1100, but the present invention includes all the inferred implementation methods, the inferred Bayida put out a SHALL not limited by the present invention during the method.

Referring to FIG. 15, a process of requesting payment approval by generating a payment approval request text including (or inserting) the collection terminal number information of the goods supplier and the unique code information is provided in the payment terminal 200 provided in the affiliated store. It is preferable to start through the process (1500) of switching the operation mode of the collection card payment mode.

According to an embodiment of the present invention, the collection card payment mode as described above is made manually by inputting a payment mode telephone key button provided in the payment terminal 200 or provided in the payment terminal 200. The card reader can be all made automatically by reading predetermined collection card information from the collection card of the goods supplier, thereby the present invention is not limited.

After the operation mode of the payment terminal 200 is switched to the collection card payment mode, the payment terminal 200 recognizes the collection card of the goods supplier through the card reader device, the predetermined from the recognized collection card The collection card information is read (1505).

According to the exemplary embodiment of the present invention, the process of reading predetermined collection card information from the collection card of the goods supplier only needs to be performed before the predetermined payment approval request text is generated in the payment terminal 200. The present invention is not limited by this.

Thereafter, the payment terminal 200 uses at least one payment means (eg, credit card payment method, debit card payment method, check card payment method) through a predetermined card reader device. Reads predetermined payment means information from a card equipped with a prepaid card payment means, financial account payment means, point payment means, etc. (1510), and provides predetermined payment information (e.g., a predetermined key input device). After inputting the payment amount and the installment months, etc. (or received from a POS (Point Of Sales) terminal) (1515), from the memory unit 250 of the payment terminal 200 from the read-only memory to the present invention After extracting the unique code information (1520), and generates the full payment approval request message including the payment means information and payment information, the predetermined terminal number information and the extracted unique code information (1525),

Thereafter, the payment terminal 200 transmits the generated payment approval request message and the collection card information to the server 1100 on the communication network 1530, and the server 1100 transmits the received collection card information. Extracts the predetermined collection number of the terminal number information matched with the collection card information from the predetermined collection card D / B (1535), and collects the terminal number information included in the full payment approval request By replacing (or replacing) with information (1540), a full payment approval request message is generated as shown in FIG. 7, and the generated payment approval request text is corresponding to the payment means information through the payment network 150. The transmission is relayed to the server 100 provided in the card company (or financial company) (1545).

Subsequently, the payment approval procedure using the full payment approval request message in the server 100 provided in the card company (or financial company) is as shown in FIG. 5, and the payment network 150 is transferred from the server 100. When the payment approval message as shown in FIG. 9 is received through the payment terminal 200, the payment terminal 200 outputs a payment receipt as shown in FIGS. 10a and / or 10b based on the payment approval message.

According to the present invention, the goods supplier can securely and conveniently card payment processing of the goods delivery price through the payment terminal provided in the goods receiver by storing predetermined unique code information without using a portable payment terminal. There is an advantage.

According to the present invention, the article receiver has the advantage of advantageously payment processing in a post-paid manner, the amount of receipt of the article through a predetermined card without using cash.

Claims (14)

When the card terminal device generates a franchise payment approval request message including card number information, payment amount information, and unique terminal number information assigned to the card terminal device, the card terminal device is provided with the card terminal device. Inserting a unique code corresponding to a terminal number into a predetermined area of the generated payment approval request message, and transmitting the payment approval request message with the unique code inserted to a server on a communication network; Transmitting the full payment approval request message transmitted from the card terminal device to a card company server in a server on a communication network; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And Merchant information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decrypted unique code stored in the predetermined storage medium or the confirmation history in the card company server (or a server associated with the card company server) And comparing the unique terminal number information (or affiliated store information corresponding to the unique terminal number information) included in the full payment approval request message and determining whether or not it is matched with each other. Using the collection card owned by the goods supplier in the card terminal device, the unique terminal number assigned to the card terminal device is replaced with the terminal number corresponding to the collection card, and then the card number information, the payment amount information, and the terminal are used. When generating a payment approval request message including number information, a unique code corresponding to a unique terminal number given to the card terminal device previously stored in a predetermined memory is inserted into a predetermined area of the generated payment approval request message. Transmitting the full payment approval request message including the unique code to a server on a communication network; Transmitting the full payment approval request message transmitted from the card terminal device to a card company server in a server on a communication network; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And Merchant information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decrypted unique code stored in the predetermined storage medium or the confirmation history in the card company server (or a server associated with the card company server) And comparing the unique terminal number information (or affiliated store information corresponding to the unique terminal number information) included in the full payment approval request message and determining whether or not it is matched with each other. In the card terminal device, a payment approval request message including card number information, payment amount information, and unique terminal number information assigned to the card terminal device, and a unique terminal number assigned to the card terminal device previously stored in a predetermined memory. Transmitting the corresponding unique code and the item provider collection card information to a server on a communication network; In the server, the unique terminal number information included in the payment approval request message is replaced with a number corresponding to the collection card information, and the unique code is inserted into the payment approval request message, and then the VAN company server or the card company server. Transmitting the full payment approval request; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And Merchant information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decrypted unique code stored in the predetermined storage medium or the confirmation history in the card company server (or a server associated with the card company server) And comparing the unique terminal number information (or affiliated store information corresponding to the unique terminal number information) included in the full payment approval request message and determining whether or not it is matched with each other. The unique terminal number assigned to the card terminal device previously stored in a predetermined memory when generating a payment approval request message including card number information, payment amount information, and unique terminal number information assigned to the card terminal device. Inserting a unique code corresponding to the payment approval request message into the full text, and transmitting the payment approval request text and the goods supplier collection card information into which the unique code is inserted to a server on a communication network; Replacing, by the server, the unique terminal number information included in the payment approval request message with a number corresponding to the collection card information, and transmitting the payment approval request message to a VAN company server or a card company server; Extracting the unique code from a predetermined area of the payment approval request message at a card company server (or a server associated with the card company server); If the unique code is encrypted at the card company server (or a server associated with the card company server), the decryption process is performed, and merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code are provided to correspond one-to-one. Identifying affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decoded unique code in association with a storage medium (or storage medium operating means) that is stored in a cooperative process; And Merchant information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted or decrypted unique code stored in the predetermined storage medium or the confirmation history in the card company server (or a server associated with the card company server) And comparing the unique terminal number information (or affiliated store information corresponding to the unique terminal number information) included in the full payment approval request message and determining whether or not it is matched with each other. Stores a unique code corresponding to a unique terminal number on a predetermined memory, and when generating a payment approval request full text using the unique terminal number, extracts the unique code previously stored in the memory, the generated payment approval request full text A card terminal device inserted into a predetermined area of the card and transmitting the full text of the payment approval request inserted with the unique code to a server on a communication network; A server for transmitting the full payment approval request transmitted by the card terminal device to a card company server; And The unique code is extracted from the predetermined area for payment approval request, and if the unique code is encrypted, decryption is performed so that merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code correspond one-to-one. In association with a storage medium (or storage medium operating means) to be stored in a cooperative process so as to be prepared, after confirming the merchant information (or unique terminal number information assigned to the merchant terminal) corresponding to the extracted or decrypted unique code, Store the details on a storage medium, or Merchant information (or unique terminal number information given to the merchant terminal) corresponding to the extracted or decoded unique code and unique terminal number information (or merchant information corresponding to the unique terminal number information) included in the full payment approval request. Merchant card terminal management system comprising: a card company server (or a server associated with the card company server) to determine the match by comparing. A unique code corresponding to a unique terminal number is stored in a predetermined memory, using a collection card owned by the goods supplier, replacing the unique terminal number with a terminal number corresponding to the collection card, and then requesting payment approval using the same. When generating a message, a card terminal device which extracts a unique code previously stored in the memory, inserts it into a predetermined area of the generated payment approval request message, and transmits the payment approval request message containing the unique code to a server on a communication network. ; A server for transmitting the full payment approval request transmitted by the card terminal device to a card company server; And The unique code is extracted from the predetermined area for payment approval request, and if the unique code is encrypted, decryption is performed so that merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code correspond one-to-one. In association with a storage medium (or storage medium operating means) to be stored in a cooperative process so as to be prepared, after confirming the merchant information (or unique terminal number information assigned to the merchant terminal) corresponding to the extracted or decrypted unique code, Store the details on a storage medium, or Merchant information (or unique terminal number information given to the merchant terminal) corresponding to the extracted or decoded unique code and unique terminal number information (or merchant information corresponding to the unique terminal number information) included in the full payment approval request. Merchant card terminal management system comprising: a card company server (or a server associated with the card company server) to determine the match by comparing. Storing a unique code corresponding to a unique terminal number on a predetermined memory, and when generating a payment approval request message, extracts a unique code previously stored in the memory, inserts it into a predetermined area of the generated payment approval request message, Card terminal for transmitting the payment authorization request full text and the goods supplier collection card information inserted with the unique code to the server on the communication network, or transmits the payment approval request full text and the extracted unique code and goods supplier collection card information to the server on the communication network Device; The unique terminal number information included in the payment approval request message inserted by the card terminal device is replaced with a number corresponding to the collection card information, and then transmitted to a VAN company server or a card company server, and the payment approval request When the unique code is transmitted separately without being inserted into the full text, when the unique terminal number information included in the full payment approval request text is replaced with a number corresponding to the collection card information, the unique code is included in the full text of the payment approval request. A server for transmitting the full payment approval request to a VAN company server or a card company server; And The unique code is extracted from the predetermined area for payment approval request, and if the unique code is encrypted, decryption is performed so that merchant information (or unique terminal number information assigned to the merchant terminal) and the unique code correspond one-to-one. In association with a storage medium (or storage medium operating means) to be stored in a cooperative process so as to be prepared, after confirming the merchant information (or unique terminal number information assigned to the merchant terminal) corresponding to the extracted or decrypted unique code, Store the details on a storage medium, or Merchant information (or unique terminal number information given to the merchant terminal) corresponding to the extracted or decoded unique code and unique terminal number information (or merchant information corresponding to the unique terminal number information) included in the full payment approval request. Merchant card terminal management system comprising: a card company server (or a server associated with the card company server) to determine the match by comparing. An information storage unit for linking and storing the affiliated store information (or the unique terminal number information given to the affiliated store terminal) and the unique code in a one-to-one correspondence and storing it in a predetermined storage medium; A unique code extracting unit for extracting the unique code from a predetermined region of the payment approval request request when receiving a payment approval request message in which a unique code is inserted; An information confirming unit confirming affiliated store information (or unique terminal number information given to an affiliated store terminal) corresponding to the extracted unique code in association with the storage medium (or storage medium operating means); And Store the confirmation details in a predetermined storage medium, or store information corresponding to the unique code (or unique terminal number information given to the merchant terminal) and unique terminal number information (or unique terminal) included in the payment approval request. Merchant store card terminal management server, characterized in that it comprises; an information processing unit for comparing the merchant information corresponding to the number information to determine whether the match. The method of claim 8, If the unique code is encrypted, the merchant card terminal management server, characterized in that further comprises a decryption processing unit for decrypting it. A computer-readable recording medium having recorded thereon a program for executing a function of the device component of any one of claims 8 to 9. A memory unit for storing a unique code corresponding to a unique terminal number; An extraction unit for extracting a unique code previously stored in the memory unit when generating a payment approval request message using the unique terminal number; A full text generation unit for inserting the extracted unique code into a predetermined area of the generated payment approval request text; And And a specialized transmission unit for transmitting the full payment approval request message inserted with the unique code to a server on a communication network. A memory unit for storing a unique code corresponding to a unique terminal number; Using a collection card owned by the goods supplier, the unique terminal number is replaced with a terminal number corresponding to the collection card, and when using this to create a payment approval request message, the extraction unit for extracting the unique code previously stored in the memory unit ; A full text generation unit for inserting the extracted unique code into a predetermined area of the generated payment approval request text; And And a specialized transmission unit for transmitting the full payment approval request message inserted with the unique code to a server on a communication network. The method of claim 12, wherein the unique code, Encrypted by a predetermined encryption algorithm and stored in the memory; or The card terminal device characterized in that the encryption process through the full text generation unit in the process of being inserted into a predetermined area of the payment approval request full text. A computer-readable recording medium having recorded thereon a program for executing a function of the device component of any one of claims 12 to 13.

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