KR101751792B1

KR101751792B1 - Method for processing payment using ic card and payment terminal thereof

Info

Publication number: KR101751792B1
Application number: KR1020150180236A
Authority: KR
Inventors: 최성훈
Original assignee: 한국정보통신주식회사
Priority date: 2015-12-16
Filing date: 2015-12-16
Publication date: 2017-06-29
Also published as: KR20170071961A

Abstract

The present invention relates to a settlement processing method using an IC card and a settlement terminal apparatus for performing the settlement method. The method comprises the steps of: Approving an offline settlement for the settlement; Generating an approval request telegram for requesting the card company server to approve online payment for the usage amount when the amount of usage corresponding to the actually provided goods or service is smaller than the transaction amount for offline payment; And transmitting the created authorization request message through a communication network.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment processing method using an IC card, and a payment terminal apparatus for performing the same.

The present invention relates to a method of processing settlement using an IC card (Integrated Circuit Card).

Generally, a card issued to meet the needs of consumers in various financial institutions, such as banks, card companies, etc., is classified according to the method of paying the transaction amount, and a credit card for paying the transaction amount at a later time, A debit card that transfers money from a designated account of a company and pays a transaction price at the same time as a transaction, and a prepaid card that prepays a predetermined amount and then subtracts the transaction amount from the predetermined amount each time a transaction occurs.

The above-mentioned cards include a magnetic card using a magnetic stripe according to a medium for recording card information, and an IC card for programming or reading card information by directly contacting the IC pin after mounting the IC chip on the card. And so on.

Recently, in order to solve the security weakness that may occur in credit settlement using magnetic, IC contact card transaction is required for financial transaction security.

An IC card is a microprocessor and a memory card that can store and process information in the card, thereby minimizing the risk of forgery and alteration of the magnetic card and providing various services.

An IC card is a CPU intelligent card that can store and process information in a card with a built-in microprocessor, memory, OS, and security algorithms on a plastic card of the same size and thickness as a credit card. The storage capacity is higher than that of the conventional magnetic card, so that it is possible to perform various additional functions requiring additional information storage, and the security problem can be improved.

The IC card is divided into a contact type and a non-contact type according to a method of use. Specifically, a contact type IC card having a metal pattern on the front face of the card and a non-contact type IC card having a module and an antenna capable of wireless communication in the card are included.

On the other hand, refineries or oil companies are introducing a self-lubrication system to increase the rate of sales of petroleum products and standardize services. In order to process payment for lump-sum payments in a self-lubrication system, The actual transaction of the goods in the state is completed, the transaction reacquisition is reacquired after the transaction is completed, and the previous buyer is canceled.

In the above-mentioned self-service gas station system, in the settlement environment in which the actual transaction amount can not be predicted until the completion of the transaction, the take-in, re-take-in and cancellation cancellation are repeated to increase the settlement processing time and increase the settlement processing time, There is a problem that causes inconvenience.

An object of the present invention is to provide a settlement processing method and apparatus using an IC card which can efficiently form a settlement processing step to improve a settlement processing speed and thereby improve convenience for a user.

The payment processing method using an IC card according to an embodiment of the present invention is a payment processing method using an information stored in at least one of a payment terminal device and an IC card to perform offline settlement Approving; Generating an approval request message for requesting the credit card company to approve online payment for the usage amount when the amount of usage corresponding to the actually provided goods or service is smaller than the transaction amount for offline payment; And transmitting the generated authorization request message through a communication network.

The settlement terminal according to an embodiment of the present invention includes an offline settlement approval unit for approving an offline settlement of a transaction amount that is preset or entered before a transaction using information stored in an IC card; A memory for storing the offline payment approval history; A communication unit for transmitting offline payment approval details stored in the memory through a communication network when the provision of the goods or services corresponding to the offline transaction amount is completed; And an online payment processing unit for generating an approval request message for requesting the credit card company to approve the online payment for the usage amount when the usage amount corresponding to the actually provided goods or service is smaller than the offline transaction amount, .

On the other hand, the payment processing method using the IC card can be implemented as a computer-readable recording medium storing a program to be executed by a computer, and can be provided as a program itself.

Also, the payment terminal device may be provided in the self-service gas system according to an embodiment of the present invention.

According to an embodiment of the present invention, an offline settlement method and an online payment method may be used according to a comparison result between a transaction amount approved for offline settlement before the transaction using the information stored in the settlement terminal device or the IC card, It is possible to simplify the settlement step in a settlement environment in which the actual transaction amount can not be predicted until completion of the transaction like the self-service gas station system, thereby improving the settlement processing speed.

1 is a block diagram showing an embodiment of a configuration of a card settlement system according to the present invention.
2 is a block diagram illustrating a configuration of a payment terminal apparatus according to an embodiment of the present invention.
3 is a flowchart illustrating a payment processing method according to an embodiment of the present invention.
4 is a view showing a configuration of a self-lubrication system according to an embodiment of the present invention.
5 to 9 are diagrams for explaining embodiments of a method of processing a payment for a gasoline amount in a self-service system.

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

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

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

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

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

Referring to FIG. 1, when a credit card using a credit card is settled at an affiliated store equipped with the settlement terminal device 100, the settlement terminal device 100 reads the card information from the credit card of the buyer, And transmits the approval request telegram to the settlement proxy server 200.

The billing terminal device 100 includes means for reading card information from a buyer's card (for example, a magnetic reader, an IC card reader, or an NFC reader) Such as a personal computer (PC), a mobile phone, a tablet, or the like, which is capable of communicating with the portable terminal (portable terminal), but the present invention is not limited thereto.

For example, the billing terminal device 100 may be implemented in the form of a point-of-sale (POS) system in combination with the store sales system, or may be implemented in a payment agency server 200 And a CAT (Card Authorization Terminal) for communicating with the mobile terminal.

According to an embodiment of the present invention, the payment terminal device 100 may be provided in the self-service system to process a settlement for a bill.

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

For example, the payment agent server 200 may be a server operated by a VAN company, and the payment terminal device 100 may be connected to the card issuer server 300 through the payment agent server 200 The transaction can be completed with the approval of the card payment.

The settlement terminal 100 and the settlement proxy server 200 of the company are connected to each other by a predetermined network network such as a telephone Internet or the like and are connected to the settlement agency server 200 The card issuer server 300 may be connected by a dedicated packet network.

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

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

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

Meanwhile, the card issuer server 300 transmits the transaction approval result for the transaction approval request to the payment agent server 200 of the relaying agency of the payment approval request, and the payment agent server 200 stores the authorization number data To the payment terminal device 100 of the corresponding merchant.

The settlement proxy server 200 transmits the approval result to the settlement terminal 100. The settlement terminal 100 that has normally received the approval result completely transmits an acknowledgment message to the settlement proxy server 200 ).

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

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

In the case of settlement using the IC card, the settlement terminal apparatus 100 can perform an offline transaction for approving the settlement of a card without transmitting / receiving data to / from the outside through a communication network. This can be performed by an aircraft, a vending machine, In order to enable payment of the card in an environment where the communication network is not connected.

For example, the payment terminal device 100 does not transmit an approval request message for payment approval to the payment agent server 200 or the card issuer server 300, but only the information stored therein or the information read from the IC card And can transmit the offline payment approval details to the payment agent server 200 or the credit card company server 300 after the payment is approved.

That is, in the case of the online settlement method, the approval for the settlement is performed by the card company server 300 that received the approval request telegram through the settlement proxy server 200, but in the case of the offline settlement method, Lt; / RTI > itself.

According to an embodiment of the present invention, an offline settlement approval process is performed on an arbitrary transaction amount before a transaction using the information stored in the settlement terminal device 100 or the IC card, and after the transaction is completed, It is possible to compare the usage amount corresponding to the goods or the service, and to selectively perform one of the offline payment method and the online payment method according to the comparison result.

Accordingly, it is possible to improve the settlement processing speed by simplifying the settlement step in the settlement environment where the actual transaction amount can not be predicted until completion of the transaction, such as the self-service station system.

2 is a block diagram illustrating a configuration of a payment terminal according to an exemplary embodiment of the present invention. The payment terminal 100 shown in FIG. 2 includes a card reader 110, an offline payment acceptance unit 120, A user input unit 140, a communication unit 150, a memory 160, a control unit 170, and a limit checking unit 180. The control unit 170 may include a controller 130, a user input unit 140, a communication unit 150,

Referring to FIG. 2, the card reader unit 110 receives and stores information stored in the IC card inserted by the user for payment.

The offline settlement approval unit 120 approves the offline settlement of the transaction amount so that settlement can be performed without communication with the settlement proxy server 200. The online settlement processing unit 130 transmits the settlement proxy server 200 and the approval request You can send and receive professional and approved results to handle online payments.

If the user inputs an arbitrary transaction amount through the user input unit 140 after inserting the IC card, the offline payment acceptance unit 120 uses the card information stored in the IC card and the information stored in the memory 160, You can authorize offline payments for this transaction amount.

On the other hand, the transaction amount may be input through the user input unit 140 or may be preset by the merchant

As described above, the off-line payment acceptance unit 120 does not exchange data with the outside such as the payment agent server 200 or the card issuer server 300 via the communication unit 150 and stores it in the memory 160 The payment approval for the transaction price can be processed using only the information or information received from the IC card.

If the offline settlement is approved for the transaction amount set or inputted before the transaction as described above, the control unit 170 stores the offline settlement approval details in the memory 160. [

When the provision of the goods or services corresponding to the offline transaction amount is completed, the communication unit 150 receives the offline payment approval details stored in the memory 160 under the control of the controller 170 through the communication network To the payment proxy server 200.

The limit checking unit 180 performs a limit check function by comparing the usable limit of the IC card with the transaction amount requested for offline settlement. For example, when the transaction amount is inputted, when the offline payment is approved, or when the offline payment approval is transmitted It is possible to perform the limit check function as described above.

On the other hand, if the usage amount corresponding to the goods or services actually provided after the transaction is completed is smaller than the transaction amount already paid offline before the transaction, the online payment processing unit 130 generates an approval request text for the usage amount.

In this case, the generated approval request message is transmitted to the payment agent server 200 through the communication unit 150, and the controller 170 deletes the offline payment approval details stored in the memory 160, Can be canceled.

3 is a flowchart illustrating a payment processing method according to an embodiment of the present invention. The payment processing method shown in FIG. 3 is a block diagram showing a configuration of a payment terminal device according to an embodiment of the present invention shown in FIG. 2, . 3, a description of the same things as those described with reference to Figs. 1 and 2 will be omitted.

3, the offline payment acceptance unit 120 of the settlement terminal apparatus 100 uses the information stored in the settlement terminal apparatus 100 or the IC card to set an offline The payment is approved (step S300).

The offline payment acceptance unit 120 can process payment approval for the transaction amount using only data communication between the payment terminal 100 and the IC card without transmitting and receiving data to and from the outside via the communication network.

For example, the offline payment acceptance unit 120 may confirm the validity of the card using the card information stored in the IC card, and may approve the settlement of the transaction amount if the card is determined to be valid.

Alternatively, the offline payment acceptance unit 120 may receive the BL (Black List) information received from the outside of the payment agent server 200 or the like via the communication network and stored in the memory 160 of the payment terminal apparatus 100, After confirming whether or not the card is normally usable, it can approve the settlement of the transaction amount if it is determined that the card is normal.

As another embodiment, the user input unit 140 receives a password from the user before the off-line payment is approved, and the offline payment acceptance unit 120 receives the card password obtained from the information stored in the IC card and the secret It is possible to confirm the settlement of the transaction amount if the passwords match.

The above-described offline payment approval method is only an embodiment of the present invention. Therefore, the validity or BL check of the IC card is performed using information received from the IC card or information stored in the payment terminal device 100 Various methods can be applied.

Meanwhile, after the offline settlement of the transaction amount is approved in step S300, the offline settlement approval details are stored in the memory 160. [

Thereafter, the process waits until the transaction for providing the goods or service to the user is completed, and when the transaction is completed (step S310), the usage amount corresponding to the actually provided goods or service is compared with the transaction amount set offline in step S300 (Step S320).

The transaction completion time point may be a point in time when the provision of the goods or services corresponding to the previous offline settlement amount is completed, or may be the point in time when the provision of the actually available goods or services is completed.

For example, in the case of the self-lubrication system, after the offline settlement is approved for any transaction amount inputted beforehand or beforehand, if the lubrication is completed by the amount corresponding to the offline settlement amount, the transaction is completed , Or if it is not possible to carry out further lubrication even before the lubrication is completed by the amount corresponding to the transaction amount, it can be judged that the transaction is completed.

If the usage amount corresponding to the actual goods or service is not smaller than the transaction amount approved for offline payment (i.e., the goods or services corresponding to the transaction amount are completed and the actual usage The communication unit 150 transmits the offline payment approval details stored in the memory 160 to the payment agent server 200 in step S330.

In the case of the self-lubrication system, for example, after the off-line settlement is approved for any transaction amount inputted before the lubrication or preset, and the lubrication is completed by the amount corresponding to the off-line settlement amount, The offline settlement approval details stored in the settlement terminal 100 can be transmitted to the settlement terminal 100 through the communication unit 150. [

As a result of the comparison, when the usage amount corresponding to the actually provided goods or services is smaller than the offline transaction amount, the online payment processing unit 130 requests the card issuing server 300 to approve the online payment for the usage amount The communication unit 150 transmits the generated approval request message to the payment proxy server 200 in step S340.

The communication unit 150 receives the approval result telegram in response to the approval request telegram from the payment proxy server 200 in step S350, The approval details are deleted (step S360).

Hereinafter, embodiments of a method for processing settlement using an IC card in a self-lubricating system will be described in detail with reference to FIGS. 4 to 9. FIG.

4 shows a configuration of a self-lubrication system according to an embodiment of the present invention.

4, the self-lubrication system 400 includes a payment terminal device 100 as described with reference to Figs. 1 to 3, and includes lubrication apparatuses 430 and 431 for self-lubrication, A display unit 420, 421 for displaying the amount and amount of money, and a button 410 for calling an employee.

The payment terminal device 100 provided in the self-service system 400 may be configured in the form of a module and includes a touch screen 141, an IC card reader 111, an MS card reader 112, And a receipt output unit 190.

5 to 9 illustrate screen configurations displayed on the touch screen 141 shown in FIG. 4 to illustrate embodiments of a method for processing a settlement amount in a self-service system.

Referring to FIG. 5, the user can arbitrarily select an amount of gas to be injected after selecting "gasoline" as a gasoline to be injected.

For example, the user may select a specific amount by touching any one of the areas displayed on the screen 500 in units of 10,000 won, for example, "60,000 won" ) To select a predetermined amount (for example, 150,000 won).

Referring to FIG. 6, after the user selects the type of oil and gas, the user can select either "cash", "credit card" or "foreign customer" as the payment method.

When the user touches the "credit card" area 520 and inserts the IC card into the IC card reader 111, a procedure for approving the offline settlement for the previously selected amount of money may be performed by the user.

For example, if the user touches the "filled" area 515 on the screen 500 as shown in FIG. 5 and selects the preset amount of money of "150,000 won", as shown in FIG. 7, The offline settlement for the self-lending system 400 can be approved without communication with the outside.

On the other hand, even when the offline approval message 530 is displayed on the screen 500, the user can cancel the transaction by touching the "transaction cancel" area 531. In this case, Your offline payment authorization will be deleted.

After the user has begun to pump in his vehicle carrying a lube oil and then the vehicle is no longer able to travel (for example, the vehicle is full of fuel) before gasoline of the amount of 150,000 won approved for off- The procedure for processing the online settlement can be performed on the actual paid amount.

For example, when the fuel tank of the vehicle is filled with gasoline of about 80,000 won, the approval request for payment of the actual gasoline amount of 80,000 won as shown in FIG. 8 is transmitted from the self- And the payment approval message 540 for the actual usage amount may be displayed on the screen 500. [

In this case, the off-line payment approval details for 150,000 won are deleted from the memory 160 and the offline transaction can be canceled.

On the other hand, if the user touches the "60,000 won" area 510 on the screen 500 as shown in Fig. 5 and arbitrarily selects the amount of money of "60,000 won ", as shown in Fig. 9, After the gasoline of 60,000 won has been gasolineed in the vehicle, the offline payment approval details of 60,000 won are transmitted to the payment agent server 200, and the oiling completion message 550 for the offline payment is displayed on the screen 500 Can be displayed.

The payment processing method according to an exemplary embodiment of the present invention may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM, a RAM, CD-ROMs, magnetic tapes, floppy disks, optical data storage devices, and the like.

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

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

Claims

A method for processing payment using an IC card in a payment terminal device,
Approving an offline settlement for a pre-transaction or an entered transaction amount using information stored in at least one of the settlement terminal device and the IC card;
Storing the offline payment approval details in a memory if the offline payment for the transaction amount is approved without communication with the outside in the payment system including the payment terminal device;
Comparing the usage amount corresponding to the actually provided goods or services and the offline transaction amount so as to selectively perform either of the offline payment method and the online payment method;
Generating an approval request text for requesting the credit card company server to approve online payment for the amount of usage if the amount of usage is smaller than the transaction amount of the offline payment; And
And transmitting the generated authorization request message through a communication network,
And deleting the offline payment approval history stored in the memory and canceling the offline payment approval internally without communication with the outside of the system when the usage amount is smaller than the offline transaction amount
Method of payment processing using IC card.

The method of claim 1,
And a payment processing method using an IC card arbitrarily input by a user who is provided with the goods or services.

The method of claim 1, wherein the offline payment approval step
And processing the settlement approval for the transaction price using only the data communication between the settlement terminal device and the IC card without transmitting / receiving data to / from the outside via the communication network.

The method of claim 1, wherein the offline payment approval step
And confirming the validity of the IC card using the card information stored in the IC card.

The method of claim 1, wherein the offline payment approval step
And checking whether the IC card is normally usable using BL (Black List) information received through a communication network and stored in the payment terminal device.

The method of claim 1, wherein the offline payment approval step
Receiving a password from a user; And
And confirming whether or not the inputted password is matched by using the card information stored in the IC card.

The method according to claim 1,
Further comprising the step of transmitting the offline payment approval details through a communication network when the provision of the goods or services corresponding to the offline transaction amount is completed.

8. The method of claim 7,
A settlement processing method using an IC card in which at least one off-line settlement approval history stored in the memory is transmitted to a settlement agency server or a credit card company server via a communication network when the provision of an article or service corresponding to the offline transaction amount is completed .

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The method according to claim 1,
Further comprising a limit history inquiry step of comparing the usable limit of the IC card with the transaction amount.

11. The method of claim 10,
Wherein the limit detail inquiry step is performed before the offline payment approval step.

A computer-readable recording medium storing a program for executing the method according to any one of claims 1 to 8 and 10 to 11.

An offline settlement approval unit that uses the information stored in the IC card to approve the offline settlement of the transaction amount that is preset or entered before the transaction without communication with the outside in the settlement system including the settlement terminal apparatus;
A memory for storing the offline payment approval history;
A communication unit for transmitting offline payment approval details stored in the memory through a communication network when the provision of the goods or services corresponding to the offline transaction amount is completed;
A controller for comparing a usage amount corresponding to an actually provided article or service and the offline transaction amount to selectively perform either of an offline payment method and an online payment method; And
An online payment processing unit for generating an approval request message for requesting the credit card company to approve the online payment for the usage amount when the usage amount corresponding to the actually provided goods or service is smaller than the offline transaction amount, Lt; / RTI >
Wherein the control unit deletes the offline payment approval history stored in the memory and internally cancels the offline payment approval of the offline payment approval unit without communication with the outside of the system when the usage amount is smaller than the offline transaction amount
Payment terminal device.

14. The system according to claim 13, wherein the offline payment acceptance unit
Wherein the payment approval processing unit processes the payment approval for the transaction amount using only the information stored in the memory or the information received from the IC card without transmitting / receiving data to / from the outside through the communication unit.

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14. The method of claim 13,
Further comprising a limit checking unit for comparing the available amount of the IC card with the transaction amount.

A self-service system comprising the payment terminal device according to any one of claims 13, 14 and 16.