KR20060021799A - Method and system to replace payroll deduction of card amount and record medium - Google Patents

Abstract

The present invention provides an IC card for storing predetermined salary deduction replacement information, and an IC terminal device and a card company server having a function of replacing a predetermined card payment amount with a salary deduction using an IC card. In the alternative method of payroll deduction, storing the predetermined payroll deduction determination information in association with the payroll deduction replacement information in a storage medium on the network, and paying deduction from the IC card in the IC terminal device at the time of card payment using the IC card. Reading the substitute information, transmitting the deduction information to the card company server including the payroll deduction substitute information in the card payment request message in the IC terminal device, and reading the payroll deduction replacement information from the card payment request message in the card company server; And, in the card company server through the payroll deduction information associated with the payroll deduction substitute information credit card payment amount as payroll deduction Determining whether or not to, and if the result of the determination replaces the salary deduction, generating a predetermined salary deduction details information in the card company server and storing the salary deduction details information in a predetermined storage medium in the card company server; It relates to a method and system for replacing payroll deduction, and a recording medium therefor.

Thereby, in a financial transaction process including a predetermined postpay payment and / or cash service or credit loan using the IC card, the card user having the IC card is deducted from the salary paid to the card user by the company in which the employee is employed. Thereby, there is such an advantage that the company cannot pay a predetermined amount through the IC card, and a card company or a financial company that provides postpaid payment and / or financial services to the card user receives the payment amount and / or financial transaction amount. The settlement is received from the company that pays the card user, thereby preventing the payment amount and / or the financial transaction amount from being overdue or lost.

Salary, deduction, payment, IC card

Description

System and Method for Transferring Payment Used Card to Payroll Deduction Amounts, Recording Medium}             

1 is a diagram showing a preferred system for replacing payroll deduction for card payment using an IC card according to a preferred embodiment of the present invention.

Figure 2 illustrates a preferred payroll deduction replacement system for a cash service (or credit loan) using an IC card in accordance with another embodiment of the present invention.

3 is a diagram illustrating a system for providing a payroll replacement service through a predetermined payroll deduction server interworking with a plurality of card company servers and / or financial company servers according to another exemplary embodiment of the present invention.

4 is a diagram showing the functional configuration of an IC card with payroll deduction replacement information according to a preferred embodiment of the present invention.

5 is a view showing a preferred functional configuration of the IC terminal device with a payroll deduction replacement function.

FIG. 6 is a diagram illustrating a process of storing salary deduction determination information through a business partnership between a company and a card company for a salary deduction replacement service according to a preferred embodiment of the present invention.                 

7 is a diagram illustrating a process of generating a card payment request message including a payroll deduction replacement information in the IC terminal apparatus and transmitting the card payment server to a card company server according to a preferred embodiment of the present invention.

8 is a diagram illustrating a process of replacing a card payment amount with a pay deduction in a card company server according to a preferred embodiment of the present invention.

9 is a view showing a preferred operation method of the IC terminal apparatus for providing a salary deduction replacement service according to another embodiment of the present invention.

<Description of main parts of drawing>

100: card company server 105: receiving unit

110: transmission unit 115: reading unit

120: determination unit 125: generation unit

130: storage 135: salary deduction history information

140: salary deduction judgment information 145: card payment department

150: company server 155: Merchant

160: IC terminal device 165: IC card

According to the present invention, an IC card issued to a predetermined card user by mounting predetermined salary deduction replacement information from a predetermined card issuer (eg, a card company or a financial company), and a predetermined amount of card payment and / or using an IC card IC terminal device having a function of replacing cash service (or credit loan) amount with payroll deduction and card company server and / or financial company that provides card payment and / or cash service (or credit loan) in connection with the IC terminal device. When paying a card and / or cash service (or credit loan) using the IC card, using a payroll deduction system including a payroll deduction server that provides a payroll deduction service to the card user and / or the card user. Payment amount and / or cash advance (or credit loan) amount is based on the salary paid by the cardholder to the cardholder. Characterized in that the deduction relates to a method and system for payroll deductions replace the medium for this.

Card payment is a prepaid payment method (e.g., payment using a Prepaid Card) that charges a predetermined amount and pays within the limits of the charged amount, and links a predetermined card with an account and balances the balance of the account. Debit payment method (e.g., Debit Card, Check Card) payment within the payment method, and postpay payment method for paying the credit within a predetermined limit amount and later settle the payment amount ( For example, payment using a credit card).

Since the post-payment payment method of the payment method is processed as a post-payment, in the broad sense, the post-pay payment amount corresponds to the debt of the card user as well as the cash service or credit loan amount. If the postpaid payment amount does not exceed the amount of income of the card user, there is no big problem. However, if the postpaid payment amount is used indiscriminately because the actual cash settlement is not required in the settlement step, the size of the debt is the size of the income. When exceeded, the credit card user is in a bad state of credit, and the credit card company or the financial company includes a serious problem of increasing the delinquency rate or loss rate.

An object of the present invention to solve the above problems is the card payment and / or cash services (or credit loans) using the IC card provided with a predetermined salary deduction replacement information, the card payment amount and / or cash service or An alternative method and system for IC card based pay deduction, which allows a company paying a part or all of the credit loan amount to the card user in advance and deducts from the pay paid to the card user. For the purpose of recording media.

The present invention for achieving the above object includes an IC card for storing a predetermined salary deduction replacement information, and an IC terminal device and a card company server having a function of replacing a predetermined amount of payment with a salary deduction using the IC card; A method for replacing a payroll deduction for a card payment amount, comprising: storing predetermined salary deduction judgment information in association with a predetermined payroll deduction information in a storage medium on a network; and at an IC terminal device when paying a card using an IC card. Reading the payroll deduction replacement information from the IC card; transmitting the payload deduction replacement information to the card company server in the IC terminal device including the payroll deduction replacement information; and replacing the payroll deduction from the card payment request message from the card company server. Reading the information, and through the payroll deduction information associated with the payroll deduction replacement information in the card company server Determining whether to replace the deductible with a salary deduction, and if the substituting the salary deduction as a result of the determination, generating predetermined salary deduction detail information at a card company server and storing the salary deduction detail information at a card company server at a predetermined time. And storing the medium in the medium.

According to a preferred embodiment of the present invention, the payroll alternative payment method is a step of selecting a payroll alternative payment deducted from the salary paid to the card user from the company that the card user is the card payment amount in the IC terminal device; It is preferred to further comprise a.

According to a preferred embodiment of the present invention, the payroll alternative payment method further comprises the step of generating a predetermined card payment approval message in the card company server and transmitting the generated card payment approval message to the IC terminal device; It is preferable to make.

According to a preferred embodiment of the present invention, the salary deduction substitute information is stored in the IC card, the card payment amount in advance to deduct from the salary paid to the card user in the company where the card user is employed It is preferable to include a predetermined salary deduction replacement code defined, and / or preferably comprises card information and / or payment means information previously stored in the IC card.

According to the present invention, a system for replacing a card payment amount with a payroll deduction reads and replaces predetermined payroll deduction information from the IC card when the payment is made using an IC card with a predetermined payroll deduction information and the IC card. An IC terminal device for transmitting the card payment request to the card company server and a storage medium for storing predetermined salary deduction judgment information in association with the salary deduction information provided on the IC card of the card user, and received from the IC terminal device. A reading unit for reading predetermined salary deduction replacement information from a card payment request message, and a judging unit for determining whether to replace the card payment amount with a salary deduction by reading salary deduction judgment information associated with the salary deduction replacement information; And a generation unit for generating predetermined salary deduction detail information when the salary deduction is replaced with the salary deduction replacement detail information. And a card company server including a storage unit for storing the card unit, wherein the IC terminal apparatus and the card company server are connected through a predetermined wired or wireless network.

According to a preferred embodiment of the present invention, the card company server uses a receiving unit for receiving a predetermined card payment request message from the IC terminal device, and a card payment using an IC card by reading a card payment request message received from the IC terminal device. It is preferable that the card payment unit for generating the approval and / or a predetermined card payment approval message further comprises a transmission unit for transmitting the card payment approval message to the IC terminal device.

Another embodiment of the present invention is an IC terminal and a financial company equipped with an IC card for storing the predetermined information on the salary deduction, and a function of replacing the predetermined cash service (or credit loan) amount with the salary deduction using the IC card. A method of replacing a payroll deduction for a cash service (or credit loan) amount comprising a server, the method comprising: storing predetermined payroll deduction determination information in association with predetermined payroll deduction information in a storage medium on a network; In the case of the cash service (or credit loan) used, the IC terminal device reads the salary deduction replacement information from the IC card, and the IC terminal device transmits the salary deduction substitute information to the financial company server including the payroll deduction replacement information in the financial transaction request message. And reading the salary deduction replacement information from the financial transaction request message in the financial company server, and replacing the salary deduction in the financial company server. Determining whether to replace the cash service (or credit loan) amount with the salary deduction through the salary deduction judgment information associated with the information; And generating the salary deduction history information in a predetermined storage medium by the financial institution server.

According to a preferred embodiment of the present invention, the payroll alternative payment method is a payroll deduction substitute that deducts a cash service (or credit loan) amount from the salary paid to the card user in the company that the card user is in the IC terminal device; It is preferable to further comprise the step of selecting a payment.

According to a preferred embodiment of the present invention, the payroll alternative payment method further comprises the step of generating a predetermined financial transaction approval message in the financial company server and transmitting the generated financial transaction approval message to the IC terminal device; It is preferable to make.

According to a preferred embodiment of the present invention, the salary deduction replacement information is stored in the IC card, and the cash service (or credit loan) amount is paid to the card user in the company where the card user is employed; It is preferable to include a predetermined salary deduction replacement code predefined to be deducted from the salary, and / or preferably includes card information and / or payment means information previously stored in the IC card.

According to the present invention, a system for replacing a cash service (or credit loan) amount with a payroll deduction includes an IC card provided with a predetermined payroll deduction information and a cash service (or credit loan) using the IC card. The IC terminal device that reads the predetermined salary deduction replacement information from the card and sends it to the financial institution server including the request for reading and paying the card and stores the predetermined salary deduction judgment information in association with the salary deduction replacement information provided on the IC card of the card user. The storage medium, a reading unit for reading predetermined salary deduction substitute information from a financial transaction request message received from the IC terminal device, and the salary deduction determination information associated with the salary deduction replacement information; Or a credit loan) and a judgment unit for determining whether to replace the amount with the salary deduction, and if the salary deduction is replaced with predetermined salary deduction details information. And a financial company server including a generation unit and a storage unit for storing the generated predetermined salary deduction replacement history information, wherein the IC terminal device and the financial company server are connected through a predetermined wired or wireless network. It is characterized by.

According to a preferred embodiment of the present invention, the financial company server receives a predetermined financial transaction request message from the IC terminal device and a cash service using the IC card by reading the financial transaction request message received from the IC terminal device. (Or a credit loan) and / or a financial transaction unit for generating a predetermined financial transaction approval message, and preferably, a transmission unit for transmitting the financial transaction approval message to the IC terminal device.

Still another embodiment of the present invention provides an IC card for storing predetermined information on payroll deductions, and a function of replacing a predetermined amount of card payment and / or cash service (or credit loan) with payrolls using the IC card. A card company server and / or a financial company server which provides a card payment and / or cash service (or credit loan) in connection with the provided IC terminal device and the IC terminal device, and the card payment amount and / or cash service (or credit loan) In the salary deduction method comprising a salary deduction server that provides a salary deduction substitute service for the amount of money, storing the predetermined salary deduction determination information in association with the salary deduction replacement information in a storage medium on the network And, when paying for the card and / or cash service (or credit loan) using the IC card, the IC terminal device reads the salary deduction replacement information from the IC card. The step of sending, including the payroll deduction substitute information in the predetermined credit card payment and / or financial transaction request in the IC terminal device to the card company server and / or financial company server, and the card company server and / or financial company server Read the entire card payment and / or financial transaction request and approve the card payment and / or financial transaction, and if the card payment and / or financial transaction is approved, payroll deduction from the card company server and / or financial company server to the payroll deduction server. Providing substitute information, determining whether to replace cash service (or credit loan) amount with payroll deduction through payroll deduction information associated with the payroll deduction replacement information in the payroll deduction server; In the case of substituting the deduction, generating predetermined salary deduction history information in the financial company server and the salary deduction in the financial company server Including the step of storing the range information on a storage medium, characterized by comprising.

According to a preferred embodiment of the present invention, the payroll alternative payment method is a payroll deduction substitute that deducts a cash service (or credit loan) amount from the salary paid to the card user in the company that the card user is in the IC terminal device; It is preferable to further comprise the step of selecting a payment.

According to a preferred embodiment of the present invention, the alternative payment method for payroll deduction provides a payroll deduction result from the payroll deduction server to the card company server and / or financial company server, the card company server and / or financial company server in the Generating a predetermined credit card payment and / or financial transaction approval message based on the salary deduction determination result; and transmitting the generated credit card payment and / or financial transaction approval message to the IC terminal device. Do.

According to a preferred embodiment of the present invention, the salary deduction substitute information is stored in the IC card, the card payment amount and / or cash service (or credit loan) amount in the company where the card user is employed It is preferable to include a predetermined salary deduction replacement code predefined to deduct from the salary paid to the card user, and / or comprises card information and / or payment means information previously stored in the IC card. It is preferable.

According to the present invention, the salary deduction replacement system, the IC card provided with the predetermined salary deduction replacement information, a predetermined salary deduction from the IC card at the time of card payment and / or cash service (or credit loan) using the IC card IC terminal device that transfers the replacement information to the card company server and / or the financial company server, including the read and card payment and / or financial transaction request message, and payroll replacement information included in the card payment and / or financial transaction request message. Card company server and / or financial company server that reads and provides to payroll deduction server and storage medium storing the payroll deduction judgment information in association with payroll deduction information provided in the IC card of the card user and the card company server and / or financial company The interface unit receives the salary deduction replacement information from the server, and the salary deduction judgment information associated with the salary deduction replacement information is read and A judgment unit for determining whether to replace the card payment amount of the card company server and / or the cash service (or credit loan) amount of the financial company with the payroll deduction, and if the payroll deduction is replaced, generates predetermined payroll deduction details. And a salary deduction server including a generation unit and a storage unit for storing the generated predetermined salary deduction replacement history information. The IC terminal device, a card company server, and / or a financial company server may be provided. It is connected via a wired or wireless network, the card company server and / or financial company server and the payroll deduction server is characterized in that connected via a predetermined network interface.

According to a preferred embodiment of the present invention, it is preferable that the interface unit further comprises providing a predetermined salary deduction determination result to the card company server and / or the financial company server.

According to a preferred embodiment of the present invention, based on the salary deduction substitute information read out by the financial institution server, in the processing of the payment amount by using the IC card to replace the salary deduction, from the financial institution server to the salary deduction In the settlement of the alternatively processed amount, it is preferable that the payment further comprises a temporary withdrawal or partial withdrawal of the salary deduction from the payroll financial account of the client.

According to a preferred embodiment of the present invention, the salary deduction replacement information is a salary (or retirement benefit or retirement benefit allowance or retirement) that pays the card user amount and / or loan amount to the card user in the company where the card user is employed The amount of the credit card (or loan) by setting a certain salary deduction replacement code that is set to be deducted from the pension reserve temporarily or partly, and / or the client's salary (or retirement benefit or retirement allowance or pension reserve) as collateral And a predetermined salary deduction replacement code set to provide an amount of money), and / or employee identification information and / or company identification information and / or salary deduction limit information and / or salary for the card user. And further comprising deduction accumulated amount information and / or loanable amount information. It is good.

According to a preferred embodiment of the present invention, the salary includes at least one salary salary, bonus salary, retirement salary (or retirement benefit allowance or retirement pension reserve) paid to the client by the company in which the client is employed It is preferable to include what is included.

According to a preferred embodiment of the present invention, it is preferable that the server temporarily withdraws or partially withdraws the salary deduction from the payroll financial account of the client at the time of settlement of the amount processed by replacing the salary deduction. .

According to a preferred embodiment of the present invention, it is preferable that the IC card in the payroll deduction system includes at least one of a credit card, a debit card, a cash card, and a check card.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration 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 preferred embodiment of the present invention described below is described as being provided in the server to the storage medium in order to efficiently describe the technical components constituting the present invention, but the general knowledge in the technical field to which the present invention belongs Those of ordinary skill in the art will readily understand that the storage medium may be provided on a network accessible from the server. Hereinafter, the IC terminal device is referred to as the card terminal device or the IC terminal device for convenience, and a client provided with a payroll deduction service through the card terminal device or the IC terminal device is called a card user or client.

In addition, preferred embodiments of the present invention described below are described as being provided in the server all the functional configuration provided in the server to efficiently describe the technical components constituting the present invention, in the technical field to which the present invention belongs Those skilled in the art, the functional configuration provided in the server is interlocked through a predetermined network and / or communication means in accordance with the intention of those skilled in the art of implementing the present invention (e.g. information or data for the server function realization) It will be apparent that at least two servers (transmitting and receiving each other) may be provided separately.

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.

Figure 1 illustrates a preferred payroll deduction replacement system for card payment using the IC card 165 in accordance with a preferred embodiment of the present invention.

In more detail, Figure 1 shows the IC terminal device 160 in the process of card payment through the IC terminal device 160 provided in the affiliated store 155 using the IC card 165 provided with payroll replacement information. ) Reads the payroll deduction replacement information from the IC card 165 and uses the same to deduct the payable amount of the card from the company where the card user is employed to the card company and deduct the pay from the payable to the card user. It is about.

The company includes an enterprise, an agency, and / or an organization that periodically pays the card user as an employer of the card user, and the company is provided with at least one company server 150.

According to a preferred embodiment of the present invention, the company server 150 is a server used by the company for the payroll deduction service proposed by the present invention, a groupware server used for business in the company, or the It is preferable to include an ERP (Enterprise Resource Planning) server for business support, it is preferable that a predetermined authorized certificate for the secure communication session with the card company server 100 is provided.

A cardholder is an employee of the company who provides a certain workforce to generate profits for the company and is regularly paid by the company (eg, Chief Executive Office). (Chief Technology Office (CTO), etc.), the card user is issued an IC card 165 with a predetermined salary deduction replacement information from the card issuer, or a predetermined IC terminal function The card issuer accesses the website of the card issuer through a personal computer and posts the salary deduction replacement information to the IC card 165 held by the card user.

According to a preferred embodiment of the invention, the IC card 165 issued to the card user to provide a payroll deduction service for the card payment amount is a contact IC card 165 and / or ISO / in accordance with ISO / IEC 7816 standard. Contactless IC card 165 and / or Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), and Personal Digital Assistant (PDA) conforming to IEC 14443 It is preferable to include an IC chip mounted in a portable wireless terminal including the like.

The merchant 155 sells tangible or intangible goods or services to the card user, and charges and pays for the goods or services through the IC card 165 possessed by the card user. As a merchant store, the affiliated store 155 is provided with a predetermined IC terminal device 160 for the card payment.

According to a preferred embodiment of the present invention, when the affiliated store 155 is an offline store, the IC terminal 160 inputs a predetermined payment amount (for example, input through a keyboard) and extracts (for example, a POS terminal). Extracted from, and / or generated (e.g., adding up at least two or more amounts to generate a total payment amount) and a predetermined card from the IC card 165 via a predetermined IC card 165 reader. It is preferable to include a predetermined credit authorization terminal or a credit application terminal which is characterized by reading information.

Alternatively, when the affiliated store 155 is an online store, the IC terminal 160 extracts a predetermined payment amount (eg, extracts a payment amount from a database) and / or generates (eg, adds up at least two amounts of money). And a client terminal that receives card information from the card user through a predetermined keyboard or reads out predetermined card information from the card through a predetermined card reader. It is preferable to make.

According to a preferred embodiment of the present invention, the IC terminal 160 is a predetermined network (e.g., a value added network (VAN) and / or an Asymmetric Digital Subscriber Line (ADSL), a merchant in the case of an offline store in the affiliated store 155). If 155 is an online store, it is preferable to connect a predetermined transaction session with the card company server 100 through the Internet.

The card company server 100 is a server provided to a card issuer that issues an IC card 165 loaded with payroll deduction replacement information to the card user. When the predetermined card payment is made using the IC card 165, By accepting or rejecting the card payment based on a predetermined card payment request message received from the terminal device 160, the payment using the card is processed.

According to the present invention, between the company server 150 and the card company server 100, a part or all of the card user's card payment amount is paid from the company to the card company within the predetermined limit amount and the company pays the It is characterized by forming a mutual business partnership to deduct from the pay paid to the card user.

Referring to FIG. 1, the card company server 100 reads the reception unit 105 for receiving a predetermined card payment request message from the IC terminal 160 for card payment processing, and the received card payment request message. A card payment unit 145 for approving card payment using the IC card 165 and / or generating a predetermined card payment approval message, and a transmission unit for transmitting the card payment approval message to the IC terminal device 160 ( 110, a storage medium for storing predetermined salary deduction determination information 140 in association with salary deduction information provided on the IC card 165 of the card user for a salary deduction replacement service of the card payment amount. And a reading unit 115 for reading predetermined salary deduction substitute information from the received card payment request message, and salary deduction determination information 140 associated with the salary deduction replacement information to read the card payment amount. Determination unit 120 for determining whether to replace the deduction, the generation unit 125 for generating a predetermined salary deduction details information 135, if replaced by the salary deduction, and the predetermined salary deduction replacement details generated It characterized in that it comprises a storage unit 130 for storing information.

The receiving unit 105 may receive a predetermined card payment request message from at least one IC terminal device according to a payment transaction procedure, and receive a card payment request message from a predetermined IC terminal device 160. If so, allocate a transaction session for the IC terminal 160, and maintain and manage the transaction session until a predetermined card payment approval message is transmitted from the transmitter 110 to the IC terminal 160. do.

According to a preferred embodiment of the present invention, the receiving unit 105 preferably receives a card payment request message containing a predetermined salary deduction replacement information and provides the card payment unit 145 to the card payment unit 145, and / or the card. Payroll deduction substitute information included in the payment request is preferably read to the reading unit 115.

The card payment unit 145 reads the card payment request message received by the receiving unit 105 and determines whether to approve payment for the card payment amount included in the card payment request message. Characterized by the predetermined credit card payment approval corresponding to the result is generated, the payment approval process of the card payment unit 145 is in accordance with the payment approval rules set by each card company.

According to a preferred embodiment of the present invention, when the card payment unit 145 reads the card payment request message, the card payment request message includes predetermined salary deduction replacement information, and payroll deduction replacement information Is included, it is preferable to notify the determination unit 120 or the reading unit 115 to perform a procedure for replacing the card payment amount with a payroll deduction.

The transmission unit 110 transmits the card payment approval message generated by the card payment unit 145 to the IC terminal device 160 that transmits the card payment request message, wherein the IC terminal device ( When the card payment approval message is transmitted to the 160, the transaction session assigned to the IC terminal 160 is deleted.

The storage medium includes predetermined salary deduction determination information 140 including salary deduction replacement information provided on the IC card 165 of the card user (or the salary deduction received from the IC terminal device 160 included in the card payment request message). Alternative information), and the salary deduction determination information 140 is provided from the company server 150 in a business cooperation process between the card company server 100 and the company server 150; And / or provided and stored by the card user.

According to a preferred embodiment of the present invention, the storage medium has a predetermined storage space in which predetermined salary deduction details 135 including the salary deduction replacement after the card payment amount is replaced with salary deduction are stored. It is preferable to be assigned.

The reading unit 115 reads a predetermined salary deduction substitute information from the card payment request message received by the receiving unit 105 and provides the determined payment deduction information to the determination unit 120, wherein the card settlement unit 145 If it is determined that the predetermined payment deduction alternative information is included in the card payment request message by reading the payroll deduction replacement information from the card payment request message received by the receiving unit 105, or the receiving unit 105 When a predetermined payment request for a card payment is received, the card payment request message is directly determined to include predetermined payroll deduction replacement information, and then the payroll deduction replacement information is read.

According to a preferred embodiment of the present invention, the salary deduction substitute information read by the reading unit 115 is read from the IC card 165 by the IC terminal device 160 and included in the card payment request message. Characterized in that provided to the card company server 100, the salary deduction substitute information is a predetermined salary deduction predefined to deduct the amount of fraudulent card payment from the salary paid to the card user in the company where the card user is employed It is preferable to include a replacement code, and / or card information and / or payment means information previously stored in the IC card 165 may be used as payroll deduction replacement information.

The determination unit 120 extracts at least one salary deduction determination information 140 associated with the salary deduction replacement information from the storage medium when predetermined salary deduction replacement information is read by the reading unit 115. Paying the card payment amount of the card user included in the card payment request message by paying the card payment amount of the card user included in the card payment request message and paying the card user from the company; It is characterized by judging whether it is possible to substitute a deduction for pay.

According to a preferred embodiment of the present invention, the salary deduction determination information 140 has predetermined payment discrimination information (for example, 'TRUE' value if the current employment relationship can be confirmed that the card user and the company is in employment relationship, Conversely, if the employment relationship is lost or the payroll deduction service is temporarily suspended, it may include flag information having a value of 'FALSE'), and / or a predetermined payroll deduction amount for the cardholder ( For example, the amount of the cardholder's card payment that has been replaced by the payroll deduction is accumulated within a certain amount, and the amount of the payroll deduction limit (for example, the total amount of pay made to the cardholder by the company each month) is determined. Limit), and if the accumulated amount of benefit deduction does not exceed the amount of benefit deduction, It replaced the user's card payment for payroll deductions are preferred.

If the generation unit 125 determines that the card payment amount is replaced with the payroll deduction as a result of the determination by the determination unit 120, a predetermined payroll deduction including a details of the processing of the card payment amount with the payroll deduction Characteristic information 135 is characterized by generating.

According to a preferred embodiment of the present invention, the salary deduction details information (135) is the salary deduction replacement amount (= card payment amount) and the card payment history replaced with salary deduction (eg, document number, IC terminal device 160 number) , Processing serial number, card type, transaction type, card number, transaction date and time, installment months, document purchase company, approval number, etc.).

The storage unit 130 stores the salary deduction substitute generated by the generation unit 125 in association with the salary deduction replacement information and stores the predetermined salary deduction substitute in the predetermined storage medium. Or periodically provided to the company server 150, the company pays the amount replaced by the payroll deduction to the card company, characterized in that the company deducted from the pay paid to the card user.

2 illustrates a preferred payroll deduction system for a cash service (or credit loan) using an IC card 165 in accordance with another embodiment of the present invention.

More specifically, Figure 2 is a predetermined, including a cash service (or credit loan) through the IC terminal device 160 with a predetermined cash payment function using the IC card 165 provided with payroll deduction replacement information. In the financial transaction process, the IC terminal device 160 reads the salary deduction substitute information from the IC card 165 and uses the same to pay the cash service (or credit loan) amount at the company where the card user is in service. It relates to a system that allows a financial company to deduct payments from payments to the cardholders.

In FIG. 2, the company and the card user, and the IC card 165 possessed by the card user are the same as those in FIG. 1, and the IC terminal device 160 of FIG. 2 has a predetermined cash service (or credit loan) amount. Is input (for example, through a keyboard and reads predetermined card information from the IC card 165 through a predetermined IC card 165 reader). Automatic Teller Machine (ATM) and / or Cash Dispenser (CD) and / or Kiosk (KIOSK), and if the cash service (or credit loan) amount is replaced by payroll deduction, IC terminal device 160 preferably pays the card user with cash corresponding to the cash service (or credit loan) amount.

According to a preferred embodiment of the present invention, the IC terminal 160 is connected to the financial institution server 200 through a predetermined network (eg, a value added network (VAN) and / or an asymmetric digital subscriber line (ADSL)). It is desirable to connect transactional sessions.

The financial company server 200 is a server provided to a card issuer that issues an IC card 165 loaded with payroll deduction replacement information to the card user, and uses a predetermined cash service (or credit loan) using the IC card 165. ) To process the cash service (or credit loan) using the card by approving or rejecting the cash service (or credit loan) based on a predetermined financial transaction request message received from the IC terminal device 160. It is characterized by.

According to the present invention, a portion or all of the amount of cash service (or credit loan) of the card user is paid between the company server 150 and the financial company server 200 from the company to the financial company within a predetermined limit. And a mutual business alliance so that the company deducts from the salary paid to the card user.

Referring to FIG. 2, the financial institution server 200 may include a receiving unit 105 for receiving a predetermined financial transaction request message from the IC terminal 160 for cash service (or credit loan) processing, and the received financial unit. The financial transaction unit 205 which reads the transaction request text and approves a cash service (or credit loan) using the IC card 165 and / or generates a predetermined financial transaction approval text, and the financial transaction approval text are written in the IC terminal. It comprises a transmission unit 110 for transmitting to the device 160, and the predetermined payroll deduction information 140 for the payroll deduction service of the cash service (or credit loan) amount of IC card ( A storage medium for storing in association with the salary deduction replacement information provided at 165), a reading unit 115 for reading predetermined salary deduction information from the received financial transaction request message, and linking with the salary deduction replacement information. Done Determination unit 120 for determining whether to replace the cash service (or credit loan) amount by the salary deduction by reading the deduction determination information 140 and, if it is replaced by the salary deduction, predetermined salary deduction details information ( And a storage unit 130 for storing the generated predetermined salary deduction replacement details information.

Figure 3 shows a system for providing a payroll replacement service through a predetermined payroll deduction server 300 in conjunction with a plurality of card company server 100 and / or financial company server 200 in accordance with another embodiment of the present invention. Drawing.

In more detail, FIG. 3 shows a payroll deduction server 300 (for example, interworking with a plurality of card company servers 100 and / or a banking company server 200 that has issued an IC card 165 having predetermined payroll deduction replacement information (for example). In the system comprising a server provided in the institution for providing a payroll deduction service, a predetermined full text (for example, IC) for the card payment and / or cash service (or credit loan) in a predetermined IC terminal device (160) Generating a full text including payroll deduction replacement information read from the card 165 and transmitting the card 165 to the card company server 100 and / or the financial company server 200, the card company server 100 and / or the financial company server 200. Read predetermined salary deduction substitute information from the preamble) and provide the salary deduction server 300 to the salary deduction server 300 by using the salary deduction information in the payroll deduction server 300; (Or god Loans) daenap money to financial institutions in the card company is being served and you will be for a system to be deducted from the salary paid to the card user.

In FIG. 3, the company and the card user, and the IC card 165 possessed by the card user are the same as those in FIG. 1, and the IC terminal device 160 of the FIG. 3 uses the IC card 165 to pay the card. It is preferred to include a credit inquiry terminal or credit application terminal for, or a cash dispenser and / or a cash dispenser and / or a kiosk for a cash service (or credit loan) using the IC card 165. .

Payroll deduction server 300 is at least one card company server (100) and / or provided in the card issuer (for example, card company or financial company) issuing the IC card 165 loaded with payroll deduction replacement information to the card user A server interfacing with the financial institution server 200, which is provided from the credit card company server 100 and / or the financial institution server 200 during a predetermined card payment and / or cash service (or credit loan) using the IC card 165. Using the predetermined payroll deduction information provided, the card payment amount and / or cash service (or credit loan) amount is replaced by payroll deduction.

According to the present invention, a part or all of the card payment amount and / or cash service (or credit loan) amount of the card user is between the company server 150 and the payroll deduction server 300 within a predetermined limit. Characterized in the mutual business alliance so that the company pays to the payroll deduction server 300 operator and deducted from the pay paid to the card user in the company.

Referring to FIG. 3, the financial company server 200 stores predetermined salary deduction determination information 140 in association with payroll deduction replacement information provided from the card company server 100 and / or the financial company server 200. Receiving the salary deduction substitute information from the media, the card company server 100 and / or the financial company server 200, or provides the card company server 100 and / or the financial company server 200 to determine a predetermined salary deduction Read the payroll deduction determination information 140 associated with the payroll deduction replacement information and the interface unit 305 to determine the card payment amount of the card company server 100 and / or the cash service (or credit loan) amount of the financial company; Judgment unit 120 for determining whether to replace the salary deduction, the generation unit 125 for generating a predetermined salary deduction details information 135, when the salary deduction is replaced, and the predetermined salary deduction replacement Save history information It is characterized in that it comprises a storage unit 130.

The interface unit 305 may provide a network interface between the card company server 100 and / or the financial company server 200 and the payroll deduction server 300, wherein the network interface is a physically dedicated line. It consists of a closed network and / or a predetermined security system that is connected to the security network to block the external access, logically determined by the card company server 100 and / or financial company server 200 Querying the query comprises a logical interface that responds to a corresponding determination result of the query.

4 is a diagram showing the functional configuration of the IC card 165 with payroll deduction replacement information according to a preferred embodiment of the present invention.

Referring to the standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip of the IC card 165 may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), and a ground (GND). Input / output interface 400 that communicates with the IC terminal 160 (e.g., exchanges commands or data) through contact points such as programming power supply (VPP), and / or input / output (I / O); A processor unit 405 including at least one computing element including a central process unit (MPU), a micro process unit (MPU), and / or a coprocessor, a read only memory (ROM), a random access memory (RAM) ), A memory unit 410 including at least one memory device including an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like, in particular, at least one or more memory devices (e.g., , ROM) manage and manage the internal resources of the IC card (165). A zero chip operating system (COS) is stored. When a predetermined power is supplied from the IC terminal 160 through a power supply (VCC) contact point of the input / output interface 400, the memory unit ( The COS stored in 410 is loaded into a predetermined execution memory to control the overall operation of the IC chip, and based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point of the clock signal CLK (Application Protocol Data). Unit) controls the exchange of information or data between the IC chip and the IC terminal device (160).

According to the present invention, in the memory unit 410 of the IC chip, the card payment amount and / or cash service (or credit loan) amount of the card user is paid by the company where the card user is employed and paid to the card user. The predetermined salary deduction storage information 415 is provided for providing a function to deduct from the salary deduction, the salary deduction storage information 415 is read by the IC terminal device 160 to read and / or use A data storage unit 425 for storing a data set corresponding to predetermined information or data, and / or is driven or executed by an operation function of the processor unit 405 and an instruction set provided by a COS. And a program routine used by the IC terminal device 160 (e.g., a Java Applet in the case of Javacard) to interact with the instruction set of the COS. The command code and the call processing unit 420 for the application comprising an executable code that arithmetic processing by a processor unit 405 that is provided.

In the data storage unit 425 of the salary deduction storage information 415, predetermined salary deduction replacement information for replacing the card payment amount of the card user with the salary deduction in the company where the card user is employed is stored. The processor 420 reads a salary deduction substitute information reading command from the IC terminal 160 via the input / output interface 400 through an APDU, and based on the read command, the data storage unit 425. Read or record the salary deduction replacement information stored in the), and provides the salary deduction replacement information to the IC terminal 160 via the input and output interface 400 through the APDU.

According to a preferred embodiment of the present invention, the IC card 165 preferably comprises an IC chip that is physically mounted or detached from a plastic card or a wireless terminal, and logically a credit card, a debit card, a cash card, It is preferable to include at least one check card.

According to a preferred embodiment of the present invention, the salary deduction replacement information provided in the IC card 165 may be used to transfer the card payment amount and / or cash service (or credit loan) amount from the company in which the card user is employed to the card user. It is preferable to have a predetermined salary deduction replacement code set to be deducted from the salary to be paid, and / or employee identification information and / or company identification information and / or salary deduction limit information and / or It is preferable that the payroll deduction accumulated amount information is further provided.

5 is a diagram showing a preferred functional configuration of the IC terminal device 160 with a payroll deduction replacement function.

In more detail, FIG. 5 illustrates a payment terminal device (eg, a credit inquiry terminal and / or a credit application terminal) and / or cash payment to effectively explain the functional configuration of the IC terminal device 160 having a payroll deduction replacement function. It illustrates a preferred functional configuration commonly provided among the components of at least one IC terminal device 160 including a terminal (eg, an automated teller machine and / or a cash dispenser and / or a kiosk). Those skilled in the art to which the present invention pertains, based on the functional configuration of the IC terminal device 160 shown in Figure 5 based on the functional configuration of each IC terminal device 160 with a payroll deduction function It will be easy to understand.

Referring to FIG. 5, the IC terminal device 160 basically includes a control unit 500, a memory unit 540, an IC card 165 reader unit 515, a key input unit 510, and a screen output unit 505. And a power supply unit 535 for supplying power to the transaction communication unit 520, the print output unit 530, and the IC terminal device 160, and at least one terminal function unit 525.

The control unit 500 controls the overall operation of the IC terminal device 160 in the functional configuration, manages the flow of information or data between each component, IC for the salary deduction replacement function based on the IC card 165 Characterized in that controls the components provided in the terminal device 160, and at least one processor and execution memory (e.g., registers), including a central processing unit (CPU) / micro-processing unit (MPU) in hardware and It comprises a bus (BUS) for inputting and outputting predetermined data and at least one electronic circuit (or integrated circuit) therefor, and IC terminal device 160 to perform a specific function in software And a predetermined program routine (Routine) and / or operation that is arithmetic processing by the processor from a predetermined recording medium provided to the execution memory It characterized by comprising a program data. In particular, the controller 500 includes a predetermined operating system and / or a terminal control program routine for managing the IC terminal device 160 after the IC terminal device 160 is booted by software. .

The memory unit 540 is a storage medium that stores at least one or more information or data required for the control unit 500 to perform a predetermined control function. The memory unit 540 hardwareally includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and FM ( And at least one storage means including a hard disk drive (HDD) and a hard disk drive (HDD), and predetermined program routines and program data required for the control unit 500 to perform a predetermined control function in software. (E.g., data input or output for a program routine to perform a predetermined function).

According to a preferred embodiment of the present invention, the memory unit 540 deducts the card payment amount from the salary paid to the customer by the company in which the customer is in the process of a predetermined card payment, or a predetermined cash service ( Or a predetermined payroll replacement user interface information for providing a payroll deduction function, wherein the cash service (or credit loan) amount is deducted from a salary paid to the customer by the company in a credit loan) process. It is desirable to store.

IC card 165 reader unit 515 is characterized in that to provide an interface between the card and the IC terminal device 160 to read at least one or more information or data provided on the card for pay replacement replacement Contact IC interface unit for interfacing a contact IC (Integrated Circuit) card based on ISO / IEC 7816 standard with IC terminal device 160 and / or a contactless IC card 165 based on ISO / IEC 14443 standard. It comprises a contactless IC interface unit for interfacing with the IC terminal device (160).

The contact IC reader unit 515 is an IC card 165 reader unit 515 based on ISO / IEC 7816, and is in contact with a chip on board (COB) provided in the contact IC card 165. It comprises at least one contact point constituting an electrical contact, the power supply to the IC chip of the IC card 165 through the contact point, and the half duplex method using an Application Protocol Data Unit (APDU) The IC terminal device 160 may be configured to interface predetermined information or data from the IC chip to the IC terminal 160 through a transaction.

According to a preferred embodiment of the present invention, the IC card 165 reader unit 515 reads predetermined salary deduction replacement information from salary deduction storage information 415 stored in the IC card 165 of the card user. It is preferable to ship.

The contactless IC reader unit 515 is an IC card 165 reader unit 515 based on ISO / IEC 14443. The contactless IC reader unit 515 uses capacitive coupling and / or inductive coupling to form a contactless IC card ( 165) and at least one antenna that makes electrical contact with the contactless, supplying power to the IC chip of the IC card 165 through the antenna, the half-duplex transaction using the APDU It is characterized in that the predetermined information or data from the IC chip to the IC terminal device 160 through the interface.

The screen output unit 505 may display a predetermined salary deduction substitute user interface screen based on predetermined salary deduction substitute user interface information stored in the memory unit 540 in a predetermined card payment process. Characterized in that the output to the predetermined screen output means provided in 160.

According to a preferred embodiment of the present invention, the user interface screen for payroll deduction substitute user to select or determine whether to pay the card payment processing through the conventional credit card payment method, or pay through the payroll alternative payment method It is desirable to provide an interface, and / or the payroll replacement user interface screen may select or determine whether to process cash services (or credit loans) by conventional service loans or by payroll alternatives. It is desirable to provide a user interface.

Key input unit 510 is a terminal operator and / or from a predetermined key input means consisting of a number key (Character Key), a function key (Function Key) and the like to input a number Alternatively, the controller 500 may input corresponding key data generated by a user clicking a predetermined key to the controller 500, and the controller 500 may input key data input through the key input unit 510. Read and control a predetermined function and / or a predefined task corresponding to the key data in association with at least one component provided in the IC terminal device (160).

According to a preferred embodiment of the present invention, a card payment and / or cash service (or credit loan) using the IC card 165 is conventionally performed based on the user interface screen for payroll deduction substitute which is output on the screen output unit 505. It is desirable to enter key data that selects whether to process in a manner or to process the card payment amount and / or cash service (or credit loan) amount as a payroll deduction.

The transaction communication unit 520 is characterized in that it provides a communication means for performing a transaction function (for example, payment transaction function between the IC terminal device 160 and the server) provided in the IC terminal device 160, Wired or wirelessly through at least one wired network, including, but not limited to, a value added network (VAN), a financial common network, or an asymmetric digital subscriber line (ADSL), and at least one wireless network, including a mobile or wireless data network. It provides predetermined payment transaction communication with the card company server 100 and / or the financial company server 200 on the network.

The print output unit 530 is configured to perform predetermined functions and / or operations using the card in the IC terminal device 160 and / or output predetermined information or data generated as a result of predetermined print output means (e.g., And a printing protocol and a printing device 545 driver for printing the print information or data through a predetermined printing device 545 in accordance with a predefined printing form. It is made, including.

The terminal function unit 525 is a component provided in the IC terminal device 160 in addition to the components shown in FIG. 5 and / or a component provided in the IC terminal device 160 for a predetermined purpose or role. Representatively, it includes a Secure Application Module (SAM) and / or a banknote ejector for cash payment. Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 525 provided according to the characteristics of the IC terminal device 160, and thus a detailed description thereof will be omitted.

According to the present invention, the control unit 500 controls to output the user interface screen for salary deduction replacement to the screen output unit 505, and the key data for selecting the salary deduction function from the key input unit 510 is input. Controlling to read the predetermined salary deduction replacement information from the IC card 165 of the card user through the IC card 165 reader unit 515, and including the salary deduction replacement information. And controlling generating a predetermined card payment request message and / or a financial transaction request message.

According to another exemplary embodiment of the present invention, the IC terminal apparatus reads the read salary deduction substitute information and uses the IC card 165 to pay the card payment amount and / or cash service (or credit loan) amount. It is preferable to determine whether it is possible to replace, and / or when the salary deduction storage information is changed in correspondence with the use of the card, it is preferable to update the salary deduction replacement information stored in the IC card 165, whereby the shadow account ( Cards, including offline account settlement and / or cash advances (or credit loans), become available.

Hereinafter, the technical spirit of the present invention will be described through a preferred embodiment of a payroll deduction method based on the payroll deduction replacement system for the card payment amount using the IC card 165 as shown in FIG. However, the following embodiments are merely to use the card payment system as a payroll deduction system, and those skilled in the art to which the present invention pertains, the cash service (see FIG. Alternatively, a credit deduction method for payroll deduction and / or a payroll deduction method using payroll deduction server 300 linked to a plurality of card company servers 100 and / or financial company servers 200 may be easily understood. will be.

FIG. 6 is a diagram illustrating a process of storing salary deduction determination information 140 through a business partnership between a company and a card company for a salary deduction replacement service according to a preferred embodiment of the present invention.

In more detail, Figure 4 shows a card user having an IC card 165 with predetermined salary deduction substitute information, a company with the card user serving as an employee, and a predetermined IC card 165 to the card user. In the system consisting of an issuing card company, a business alliance for deducting the card payment amount of the card user from the salary paid to the card user in the company, enters into a business alliance, and the company server 150 and the card company server ( It shows the information processing process performed between 100).

Referring to FIG. 4, when the card user uses the IC card 165 provided with the predetermined salary deduction replacement information, the card payment amount does not exceed the salary deduction limit amount. After processing the payment in the first place, the card payment amount is paid to the card company from the company on behalf of the card user, and the company pays the card user to affiliate the business to deduct from the salary (600).

According to a preferred embodiment of the present invention, the business cooperation process between the company and the card company as described above is preferably made by the company server 150 to access the card company server 100 to perform a predetermined membership registration procedure. According to another embodiment of the present invention, the company and the card company may enter into a predetermined business alliance agreement.

When a predetermined business alliance is made between the company and the card company to replace the card payment amount of the card user with a salary deduction as described above, the company server 150 uses company information according to the standard defined by the card company server 100. And / or employee information (= card user information) and / or salary information for the employee (605).

According to a preferred embodiment of the present invention, the company information is a predetermined identification code (e.g., an identification code for distinguishing the company from another company) and / or the card company assigned to the company in the business cooperation process It is preferable that at least one or more company identification information including a company registration number (or business registration number) of the company and the company Hangul / English name and the like.

The employee information may include predetermined employee information assigned to the employee (= card user) by the company (for example, an employee number assigned to the employee who pays the company and / or an employee's job title / title). Rating information and / or personal information including the employee's name, social security number, and address).

In addition, the salary information for the employee according to the total amount of monthly salaries paid to the employee and / or the average salary divided into 12 months of the total yearly salary by the company and / or the number of years and positions of employees in the company It is preferable that the salary information includes at least one salary information.

When the company information and / or employee information and / or salary information for the employee are provided from the company server 150 to the card company server 100 as described above, the card company server 100 provides the salary information for the employee. The amount of payroll deduction for the card user is determined based on the reading and the rules (or policies) set by the card company (610), and the payroll deduction limit does not exceed the amount of salaries paid by the company to the card user each month. It is preferable not to.

When the salary deduction limit amount is determined for the card user as described above, the card company server 100 initializes the accumulated salary deduction amount for the card user to '0' (615), and the company server 150. The salary deduction determination information 140 including the company information, the employee information, the salary deduction limit amount, and the salary deduction amount accumulated from the advertisement is generated and stored in the predetermined storage medium (620).

When the salary deduction determination information 140 is generated as described above, the card company server 100 reads the employee information to determine whether to newly issue the IC card 165 for the salary deduction replacement service to the employee (625). .

According to a preferred embodiment of the present invention, it is determined whether the employee is a member of the existing IC card 165 of the card company using the resident registration number included in the employee information provided from the company, and the determination result indicates that the employee is an existing member of the card company. If not, it is preferable that it is determined that the new IC card 165 having the salary deduction replacement information should be issued to the employee.

If it is not necessary to issue a new IC card 165 to the employee (for example, if the employee is a card user using the IC card 165 issued by the card company) 630, the card company server 100 According to a predetermined post-issuance procedure, salary deduction storage information 415 including predetermined salary deduction replacement information is post-issued to the IC card 165 of the card user (635).

On the other hand, if it is necessary to issue a new IC card 165 to the employee (for example, if the employee is not a member of the IC card 165 of the card company) 630, the card company server 100 is a predetermined IC card 165 According to the issuing procedure, the employee issues a new IC card 165 provided with the salary deduction substitute information (640).

When the employee becomes a card user who is issued the IC card 165 of the card company through the above process, the card company server 100 uses the card user's IC card 165 to pay the card payment amount at the company. A request is made to the company server 150 to guarantee payment in advance (645).

According to a preferred embodiment of the present invention, the process of guaranteeing payment of the card payment amount of the card user in the company, the card company server 100 is issued to the card user from the company server 150 to the card user Query the payment guarantee for the card payment amount using the IC card 165, including predetermined information including the IC card 165 information and the generated salary deduction limit amount, etc., the company server 150 Preferably, the process of responding to the query is performed. The process of answering a query between the card company server 100 and the company server 150 is performed through a predetermined public key infrastructure and an electronic signature, thereby allowing the card user's card. Confidentiality, Authentication, Integrity and Non-repudiation of the Payment Guarantee of the Company Server 150 for Payment Amount onrepudiation) is secured.

If the company server 150 guarantees the payment for the card payment amount using the card user's IC card 165 (650), the card company server 100 provides predetermined payment discrimination information (eg, an IC card). The card payment amount of the card user using 165 is generated to determine whether the payment guarantee is made by the company. The card payment amount of the card user is added to the salary deduction determination information 140 stored in the storage medium (655).

When the predetermined salary deduction determination information 140 is added to the payment discrimination information as described above, the card company server 100 is the predetermined salary deduction replacement information provided in the IC card 165 issued to the card user and the The salary deduction determination information 140 is stored in the storage medium by linkage processing (660).

7 is a diagram illustrating a process of generating a card payment request message including payroll deduction replacement information from the IC terminal device 160 and transmitting the card payment server to the card company server 100 according to a preferred embodiment of the present invention.

In more detail, FIG. 7 reads and replaces the payroll deduction information provided in the IC card 165 shown in FIG. 4 in the IC terminal device 160 shown in FIG. The preferred process of transmitting to the card company server 100 shown in FIG. 1 is shown.

Referring to FIG. 7 according to a preferred embodiment of the present invention, in order to operate the IC card 165 provided with the substitute information for payroll deduction, the payroll deduction storage information 415 provided in the IC card 165 is used. In operation 700, the IC card 165 is inserted into the IC card 165 reader unit 515 of the IC terminal device 160 having a predetermined terminal program.

According to a preferred embodiment of the present invention, when the IC card 165 is inserted into the IC card 165 reader unit 515 of the IC terminal device 160 as described above, the IC terminal device 160 is connected to the IC. A predetermined power supply (for example, 3V or 5V) for operating the IC card 165 is supplied through the VCC of the card 165, and the IC card 165 is initialized through the RST. Currently, there are IC chips on the market that have a class A for 5V and a class B for 3V. The IC terminal device 160 selects a class for about 10 ms, and then supplies power to output the normal ATR signal. 165), and the IC terminal device 160 initializes the IC card 165 through a reset signal in a stable power supply state as described above. The RST of 165 remains in the L state, the I / O is in the receive mode, and the appropriate and stable frequency (eg, 3.57 MHz or 4.9 MHz) is supplied to the CLK while the VPP remains idle. Keep it.

When the IC card 165 is normally initialized as described above, the IC terminal device 160 determines the validity of the IC card 165 through a predetermined PIN (Personal Identification Number) input (705). If the validity of the IC card 165 is authenticated (710), the IC terminal 160 reads and reads the payment information input through the key input unit 510 in the card payment process, thereby paying the card payment amount. In operation 715, it is determined whether the replacement is selected.

If the card payment amount is not selected to replace the payroll deduction 720, the IC terminal 160 performs a card payment procedure according to a conventional card payment method (eg, credit card payment method). (725).

On the other hand, if the card payment amount is selected to replace the pay deduction (720), the IC terminal device 160 attempts to read predetermined pay deduction replacement information from the IC card 165, the IC card 165 It is determined from the predetermined salary deduction replacement information is normally read (730).

According to a preferred embodiment of the present invention, when the IC terminal 160 transmits a command set for requesting salary deduction replacement information to the IC card 165 based on an APDU, the IC terminal device 160 receives salary from the IC terminal device 160. The IC card 165 receiving the instruction set requesting the deduction replacement information reads the replacement deduction information from the data storage unit 425 through the processing unit 420 of the pay deduction storage information 415 to obtain the I / O. The IC terminal device 160 transmits the information to the IC terminal device 160, and the IC terminal device 160 determines whether the salary deduction replacement information recognizable from the IC card 165 is read, thereby determining whether the predetermined salary deduction replacement information is normally read. It is desirable to.

If the salary deduction replacement information is not normally read from the IC card 165 (for example, if error information is read from the IC card 165), the IC terminal device 160 uses a conventional card payment method (for example, credit). The card payment procedure according to the card payment method). (725).

On the other hand, if the salary deduction replacement information is normally read from the IC card 165, the IC terminal device 160 receives the payment information (for example, the card payment amount and the installment month number) and the inputted through the key input unit 510. The card payment request message including the payroll deduction substitute information read out from the IC card 165 is generated 740, and the generated card payment request message is transmitted to the card company server 100 through a predetermined network (eg, a VAN). Transmit (745).

8 is a diagram illustrating a process of replacing a card payment amount with a payroll deduction in the card company server 100 according to a preferred embodiment of the present invention.

In more detail, in FIG. 8, in the salary deduction alternative system as shown in FIG. 1, when the request for payment of a card payment including the salary deduction replacement information read from the IC card 165 is received through the process as shown in FIG. 7. The card company server 100 illustrates a preferred process of replacing the card payment amount with a payroll deduction using the full card payment request.

When the card payment request message transmitted from the IC terminal device 160 is received through the process as illustrated in FIG. 7 (800), the card company server 100 reads the card payment request message and pays for the card payment amount. In determining whether or not the approval (805), the payment approval process is performed according to the card payment approval process provided in the card company server (100).

If the card payment corresponding to the card payment request message is not approved (810), the card company server 100 generates a card payment approval message including a predetermined card payment error code (815), and the generated card The payment approval message is transmitted to the IC terminal device 160 through the network receiving the card payment request message (865).

According to a preferred embodiment of the present invention, the IC terminal device 160 having received the card payment error code as described above outputs an error message corresponding to the error code and performs a card payment process using the IC card 165. It is preferable to end.

On the other hand, if the card payment corresponding to the card payment request message is approved (810), the card company server 100 determines whether the predetermined payment deduction replacement information in the card payment request message (820).

If the determination result does not include payroll deduction replacement information in the card payment request message (825), the card company server 100 is a card payment approval message corresponding to the card payment request message (for example, the card payment conventional A card payment approval message including a credit card payment method) is generated (835), and the generated card payment approval message is transmitted to the IC terminal device 160 through the network receiving the card payment request message. (865).

On the other hand, if the determination result includes the payroll deduction replacement information in the card payment request message (825), the card company server 100 reads the payroll deduction replacement information included in the card payment request message (830) and the network. Extract and read predetermined salary deduction determination information 140 stored and processed in association with the read salary deduction replacement information from the storage medium on the tablet 840 and based on the read salary deduction determination information 140. It is determined whether it is possible to replace the card payment amount with the payroll deduction (845).

If it is not possible to replace the card payment amount with a payroll deduction as a result of the determination (850), the card company server 100 may deduct a card payment approval message corresponding to the card payment request message (for example, payroll deduction of the card payment amount). A card payment approval message including an irreplaceable message) (835), and the generated card payment approval message is transmitted to the IC terminal device 160 through the network receiving the card payment request message (see FIG. 865).

On the other hand, if it is possible to replace the card payment amount with a salary deduction as a result of the determination (850), the card company server 100 is predetermined by using the card payment history generated during the approval process of the card payment and the salary deduction replacement information. Payroll deduction history information (135) is generated and stored in a predetermined storage medium (855).

When the predetermined salary deduction details information 135 is generated and stored as described above (855), the card company server 100 includes a card company server 100 includes a predetermined salary deduction approval code in response to the card payment request message. The generated card payment approval message is generated (860), and the generated card payment approval message is transmitted to the IC terminal device (160) through the network receiving the card payment request message (865).

According to a preferred embodiment of the present invention, the IC terminal device 160 having received the card payment approval message reads the card payment approval message and performs at least one or more predefined tasks corresponding thereto.

9 is a view showing a preferred operation method of the IC terminal device 160 for providing a salary deduction replacement service according to another embodiment of the present invention.

More specifically, FIG. 9 is provided in the IC card 165 when using a card including a shadow account-based offline card payment and / or cash service (or credit loan) according to another embodiment of the present invention. The method of operating the IC terminal device 160 is provided with a function of deducting the amount of the card payment from the salary paid to the card user by the card user company using the credit card payment means.

Those skilled in the art to which the present invention pertains, based on the operation method of the IC terminal device 160 shown in Figure 9 based on the operating method of the IC terminal device 160 for the use of the card of the offline method It can be easily inferred and understood. That is, the method of operating the IC terminal device 160 shown in FIG. 7 is only for efficiently explaining the technical idea of the present invention to those skilled in the art to which the present invention pertains, and the technical idea of the present invention. This is by no means limited to the case of FIG.

In a system that provides a payroll deduction replacement service for the card use amount as shown in FIG. Pre-determined payroll deduction information that is deducted and / or divided, and / or sets the client's salary (or retirement benefit or retirement benefit or retirement pension reserve) as collateral When using the IC card 165 and the IC card 165, the predetermined salary deduction replacement information is read from the IC card 165, the salary deduction replacement information is read, and the IC card 165 is read. It is preferable to include an IC terminal device 160 for processing the use of the card using a.

Referring to FIG. 9 according to a preferred embodiment of the present invention, a procedure of performing a predetermined card payment using the IC card 165 provided with a credit card payment means is performed in the IC terminal device 160 as shown in FIG. Inserting and validating the IC card 165 (900-910), selecting whether to provide a payroll deduction service (915-920) and by reading and reading the payroll deduction storage information provided in the IC card 165 After determining the possibility of substituting the payroll deduction of the card payment amount (930-940), the settlement process is performed to replace the card payment with the payroll deduction (945).

According to a preferred embodiment of the present invention, the card payment process is a method for the IC terminal device 160 to approve and process payment in real time in association with a server on a network, as shown in Figure 7 and the IC terminal device ( In 160, it is preferable to include all methods of receiving post-approval after the offline payment processing of the shadow account method.

If the card settlement process is completed (950), the IC terminal device 160 generates predetermined salary deduction update information to update salary deduction storage information provided in the IC card 165 (955). According to the implementation method, it is preferable to update the salary deduction substitute information stored in the IC card 165 during the salary deduction storage information update process.

According to a preferred embodiment of the present invention, the salary deduction alternative information is set to deduct the amount of payment card and / or cash services (or credit loan) from the salary paid to the card user in the company where the card user is employed It is desirable to have a predetermined salary deduction replacement code, and / or further comprising employee identification information and / or company identification information and / or salary deduction limit information and / or salary deduction accumulated amount information for the card user. It is preferable to make it.

In addition, the IC terminal device 160 generates a predetermined card usage history including a card payment history (or payroll deduction history for card payment processing) using the IC card 165, and records the card usage history. Card usage history storage area (not shown) of the memory unit 540 provided in the IC terminal device 160, and / or card usage history storage area of the memory unit 410 provided in the IC card 165 ( (Not shown), and / or the card use history is stored in a database (not shown) for storing card usage history on a network (not shown) (960).

According to the present invention, a salary paid to the card user by a company in which the card user holding the IC card in the course of a financial transaction including a predetermined postpay payment and / or a cash service or a credit loan using the IC card. By deducting, there is an advantage such that a predetermined amount can not be paid by the company through the IC card.

In addition, the card company or the financial company that provides the post-pay payment and / or financial services to the card user by receiving the payment amount and / or financial transaction amount from the company that pays the card user the payment amount and / or finance There is an advantage of preventing the amount of the transaction from being overdue or lost.

Claims (45)

In the method of replacing the payroll deduction of the amount of credit card use comprises an IC card for storing the predetermined payroll deduction replacement information, a card terminal device and the financial company server that issued the IC card, Reading a predetermined salary deduction substitute information from the IC card in the card terminal device when the card payment and / or cash service (or credit loan) using the IC card; Transmitting, by the card terminal apparatus, a payroll deduction substitute information read from the IC card to a financial institution server in a predetermined financial transaction request message; Reading salary deduction replacement information from the card transaction request message in the financial company server; And And replacing the payment amount according to the use of the IC card with a salary deduction based on the read salary deduction substitute information in the financial company server. According to claim 1, The step of processing by replacing the payment amount according to the use of the IC card with the salary deduction based on the read salary deduction substitute information in the financial company server, And transmitting the full text of the financial transaction approval according to the use of the IC card replaced by the salary deduction from the financial company server to the card terminal device. According to claim 1, The step of processing by replacing the payment amount according to the use of the IC card with the salary deduction based on the read salary deduction substitute information in the financial company server, Generating, by the financial institution server, predetermined salary deduction detail information replacing a payment amount based on the use of the IC card with a salary deduction; And And storing the generated payroll deduction history information in a predetermined storage medium by the financial company server. The method of claim 3, wherein And providing the generated payroll deduction details in the financial company server to a company in which the IC card user is in service. The method of claim 3 or 4, wherein the salary deduction detail information, Payroll deduction information, card number, card terminal device number, processing serial number, card type, transaction type, card number, transaction date and time, installment months, document purchase company, authorization number including at least one How to replace the payroll deduction of the amount of card use, characterized in that it comprises information. According to claim 1, The step of processing by replacing the payment amount according to the use of the IC card with the salary deduction based on the read salary deduction substitute information in the financial company server, Payroll deduction method of the credit card use amount, characterized in that the financial company server in connection with the payroll deduction server on the network to replace the payment amount according to the use of the IC card with the payroll deduction. The method of claim 1, Storing, by the financial institution server, predetermined salary deduction determination information in association with predetermined salary deduction substitute information in a storage medium on a network; Extracting, from the storage medium, salary deduction determination information corresponding to salary deduction substitute information read from the financial transaction request message in the financial company server; And Replacing the payroll deduction of the card use amount, characterized in that it comprises a; processing by replacing the payment amount according to the use of the IC card with the payroll deduction based on the salary deduction judgment information extracted from the storage medium in the financial company server Way. The method of claim 7, wherein the salary deduction determination information, And at least one predetermined payment discrimination information which proves that the card user and the company are currently employed, predetermined salary deduction amount information for the card user, and predetermined salary deduction limit information. How to replace the payroll deduction of the amount of the card used. According to claim 1, Salary deduction substitute information stored in the IC card, And a predetermined salary deduction substitute code defined to deduct the card use amount from the salary paid to the card user by the company in which the card user is employed. In salary deduction substitute system of card use amount of money, An IC card having predetermined salary deduction replacement information for deducting a card use amount from a salary paid to the card user by a company where the card user is employed; At the time of card settlement and / or cash service (or credit loan) using the IC card, a predetermined salary deduction substitute information is read from the IC card, and the read salary deduction substitute information is included in a financial transaction request message. Card terminal device for transmitting to; And A server for reading the payroll deduction substitute information from the financial transaction request message transmitted by the card terminal device and replacing the payment amount using the IC card with the payroll deduction based on the read payroll deduction information; Payroll deduction alternative system of the amount of card use, characterized in that comprises a. The method of claim 10, wherein the IC card, An input / output interface connected to the card terminal device to input and output data; An IC chip having predetermined salary deduction replacement information for deducting a card use amount from a salary paid to the card user by a card user; And A processor for accessing the card terminal device and executing an application for providing the payroll deduction substitute information stored in the IC chip to the card terminal device through the input / output interface when the card is used (card payment and / or cash service use); Payroll deduction alternative system for using the card, characterized in that it comprises a. The method according to claim 10 or 11, wherein the IC card, Payroll deduction alternative system for the amount of the card, characterized in that it comprises an IC chip mounted on or detached from the wireless terminal. The salary deduction substitute information provided in the IC card according to claim 10 or 11, A card comprising a predetermined payroll deduction code set to deduct a card payment amount and / or a cash service (or credit loan) amount from a salary paid to the card user by the card user. System for replacing payroll deductions. The salary deduction substitute information provided in the IC card according to claim 10 or 11, Employee credit information and / or company identification information and / or salary deduction limit amount information and / or salary deduction accumulated amount information for the card user further comprises a payroll deduction system for the card use amount. The card terminal apparatus according to claim 10, A card interface unit for providing a read and / or write interface to the IC card; A reading unit that reads salary deduction substitute information provided in the IC card through the card interface unit; A generation unit generating a predetermined financial transaction request message including the salary deduction substitute information read out by the reading unit; And And a transmission unit for transmitting the financial transaction request message generated by the generation unit to a server. The card terminal device according to claim 10 or 15, Credit Authorization Terminal (CAT), Credit Application Terminal (CAT), Automatic Teller Machine (ATM), Cash Dispenser (CD), Kiosk (KIOSK) And, the payroll deduction alternative system of the card use amount, characterized in that it comprises at least one payment terminal device. The card terminal device according to claim 10 or 15, Payroll deduction alternative system for the amount of card use, characterized in that the wired or wireless terminal. The card terminal device according to claim 10 or 15, Payroll deduction alternative system for the amount of the card, characterized in that it comprises a wired or wireless or short-range wireless communication means. The method of claim 10, wherein the server, Receiving unit for receiving the full text of the financial transaction request transmitted from the card terminal device; A reading unit that reads predetermined salary deduction replacement information from the financial transaction request message received by the receiving unit; A card settlement unit processing the payment amount based on the use of the IC card by substituting the salary deduction based on the salary deduction substitute information read out by the reader; And And a transmission unit for transmitting a payment approval message generated in response to the payroll deduction replacement processing of the card payment unit to the card terminal device. The method of claim 10 or 19, wherein the server, A generation unit for generating predetermined salary deduction replacement detail information in response to the salary deduction substitute processing of the card settlement unit; And And a storage unit for storing the salary deduction replacement history information generated by the generation unit in a predetermined storage medium. The method of claim 19, wherein the transmission unit, Payroll deduction substitute system of the card use amount, characterized in that for providing a predetermined salary deduction replacement history information generated in response to the payroll deduction replacement processing of the card payment unit to the company in which the IC card user. A function of receiving a predetermined financial transaction request message from a predetermined card terminal device; Reading predetermined salary deduction substitute information for deducting a card use amount from a salary paid by the card user to the card user from the received financial transaction request message; And And a predetermined program for realizing a function of substituting a payroll deduction for a payment amount based on the use of the IC card on the basis of the read salary deduction substitute information. The method of claim 22, wherein the program, And a function of transmitting to the card terminal apparatus a payment approval text generated in response to the salary deduction substitute processing. The method of claim 22, wherein the program, A function of generating predetermined salary deduction replacement history information in response to the salary deduction replacement processing; And And storing the generated salary deduction replacement history information in a predetermined storage medium. The method of claim 22, wherein the program, And a function of providing predetermined salary deduction replacement history information generated in response to the salary deduction replacement processing to a company in which the financial transaction target customer is in service. The method of claim 22, wherein the recording medium, A recording medium, characterized in that located on a financial institution server or a server on a wired or wireless network. According to claim 1, The step of processing by replacing the payment amount according to the use of the IC card with the salary deduction based on the read salary deduction substitute information in the financial company server, The card further comprises the step of temporarily withdrawing or partially withdrawing the salary deduction amount from the payroll financial account of the client when processing the amount of money processed by replacing the salary deduction in the financial company server; How to replace payroll deductions. The method of claim 1, wherein the salary deduction replacement information, A predetermined salary set to deduct the amount of the card use and / or the loan amount from the salary (or the retirement benefit or the retirement allowance or the retirement pension reserve) paid to the card user by the company in which the card user is employed. A deduction replacement code, and / or a predetermined pay deduction replacement code set to provide a credit card amount (or loan amount) by setting the client's salary (or severance pay or retirement allowance or pension reserve) as collateral How to replace the payroll deduction of the amount of card use, characterized in that made. The method of claim 1, wherein the salary deduction replacement information, The card use amount further comprises employee identification information and / or company identification information and / or salary deduction limit information and / or salary deduction amount information and / or loanable amount information for the card user. How to replace your payroll deductions. The method of claim 1, wherein the salary, How to replace the payroll deduction of the card use amount, characterized in that it comprises at least one salary, bonuses, retirement benefits (or retirement benefit allowance or retirement pension reserve) paid to the client by the company in which the client is in service. The method of claim 10, wherein the server, When the settlement of the amount processed by replacing the salary deduction, the payroll deduction substitute system for the card use amount, characterized in that the withdrawal or partial withdrawal of the salary deduction replacement amount from the payroll financial account of the client. The method of claim 10 or 11, wherein the salary deduction replacement information, A predetermined salary set to deduct the amount of the card use and / or the loan amount from the salary (or the retirement benefit or the retirement allowance or the retirement pension reserve) paid to the card user by the company in which the card user is employed. A deduction replacement code, and / or a predetermined pay deduction replacement code set to provide a credit card amount (or loan amount) by setting the client's salary (or severance pay or retirement allowance or pension reserve) as collateral Payroll deductible replacement system for the amount of card use, characterized in that made. The method of claim 10 or 11, wherein the salary deduction replacement information, The card use amount of the card characterized in that it further comprises employee identification information and / or company identification information and / or salary deduction limit amount information and / or salary deduction amount information and / or loanable amount information for the card user Payroll Replacement System. The method of claim 10, wherein the salary, System for replacing the payroll deduction of the card use amount, characterized in that it comprises at least one of the salary, bonuses, retirement benefits (or retirement benefit allowance or retirement pension reserve) paid to the client by the company in which the client is in service. The method according to claim 10 or 11, wherein the IC card, Payroll deductible alternative system of the amount of the card, characterized in that it comprises at least one credit card, debit card, cash card, check card. In salary deduction substitute system of card use amount of money, Some or all of the credit card amount (or loan amount) is temporarily or partly deducted from the client's salary (or severance or retirement benefit or retirement pension reserve), and / or the client's salary (or severance or retirement). An IC card having predetermined salary deduction replacement information for providing a card use amount (or loan amount) by setting salary allowance or retirement pension reserve) as collateral; And And a card terminal device for reading predetermined salary deduction substitute information from the IC card, reading the read salary deduction substitute information, and processing the use of the card using the IC card when the IC card is used. Payroll deduction system of card use amount to assume. The card terminal device according to claim 36, Read the payroll deduction replacement information read out to determine whether it is possible to replace the card payment amount and / or cash service (or credit loan) amount using the IC card with payroll deductions system. The card terminal device according to claim 36, When the payroll deduction storage information changes in response to the use of the card, the payroll deduction substitute system of the card use amount, characterized in that for updating the payroll deduction replacement information stored in the IC card. 37. The method of claim 36, wherein the salary deduction substitute information provided in the IC card, A card comprising a predetermined payroll deduction code set to deduct a card payment amount and / or a cash service (or credit loan) amount from a salary paid to the card user by the card user. System for replacing payroll deductions. 37. The method of claim 36, wherein the salary deduction substitute information provided in the IC card, Employee credit information and / or company identification information and / or salary deduction limit amount information and / or salary deduction accumulated amount information for the card user further comprises a payroll deduction system for the card use amount. The card terminal device according to claim 36, Credit Authorization Terminal (CAT), Credit Application Terminal (CAT), Automatic Teller Machine (ATM), Cash Dispenser (CD), Kiosk (KIOSK) And, the payroll deduction alternative system of the card use amount, characterized in that it comprises at least one payment terminal device. The card terminal device according to claim 36, Payroll deduction alternative system for the amount of card use, characterized in that the wired or wireless terminal. The card terminal device according to claim 36, Payroll deduction alternative system for the amount of the card, characterized in that it comprises a wired or wireless or short-range wireless communication means. The method of claim 36, wherein the IC card, Payroll deduction alternative system for the card use amount, characterized in that it comprises an IC chip mounted or detached in a wireless terminal. The method of claim 36, wherein the IC card, Payroll deductible alternative system of the amount of the card, characterized in that it comprises at least one credit card, debit card, cash card, check card.

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