KR20160065525A - A method for mediating a payment and a computer-readable storage medium thereof - Google Patents

Abstract

The present invention relates to a method for processing payment made by a payment terminal and a computer-readable storage medium therefor and, more specifically, to a method for processing payment, which can continuously pay the divided amounts of the total amount to be paid with various payment means. The method for mediating payment according to the present invention comprises the steps of: dividing the total payment amount by the number of the available payment means; transmitting an approval request signal to a card company server; and receiving an approval response signal from the card company server.

Description

[0001] The present invention relates to a payment mediation method and a computer-readable storage medium,

The present invention relates to a payment mediation method performed by a payment terminal and a computer-readable storage medium therefor. More particularly, the present invention relates to a payment mediation method and a computer- The present invention relates to a payment mediating method.

A credit card is a plastic identification card issued by a bank or a credit card company. It is a card that allows cash withdrawals such as postpayment of goods or services, cash dispenser, card magnetic elements, IC devices, Is stored. Recently, payment by check card or credit card has been very active rather than direct payment by cash.

On the other hand, when a group of people eat a group, the Dutch culture is settled in Korea, so that even if several people have eaten together, the payment of the meal cost is only a reasonable consumption It is becoming widespread among people who emphasize.

Despite this socio-cultural background, in order to implement individual settlement in the conventional card settlement system, it has been troublesome to pass individual approval processes. More specifically, referring to FIG. 1 showing a process of making settlement between a VAN company, a card company, and a bank at the time of settlement of a card, will be described as follows. When the customer presents the card to the merchant, it reads the card information from the card payment terminal of the merchant and requests approval from the card company or bank through the VAN company terminal. The card is valid on the system server of the card company or the bank, , The information about 'approved' (or approved) is transmitted to the corresponding merchant via the VAN terminal, and the customer who presented the card receives the payment completion information The payment of one card is completed.

Referring to the process of FIG. 1, in the case where a plurality of people want to pay a fee for their own settlement considering the case of Dutch payment, the procedure shown in FIG. 1 and the individual confirmation and settlement process must be performed several times Therefore, there is a problem in that it takes a considerable amount of time and hassle in the process.

In addition, in the case of a customer who has been engaged in transactions with a specific company for a certain period of time, the merchant account of the merchant, that is, the account of the specific company, is provided with a record book for foreign trade transactions, Settlement and transactions are made. In such a case, there is still a problem that the card payment terminal, such as a credit card or a check card, can not be used for the electronic meal when the electronic meal is electronicized.

According to an aspect of the present invention, there is provided a payment mediation method for dividing a total payment amount by a predetermined number in a card settlement terminal by a financial card such as a credit card or a check card, And a computer-readable storage medium therefor.

According to another aspect of the present invention, there is provided a payment intermediation method for making a payment successively by various identification means without limiting the payment means to a financial card, and a computer- For example.

A payment mediating method performed in a payment terminal according to an embodiment of the present invention is disclosed. The payment mediation method comprises the steps of: (a) obtaining information about each of one or more payment means; (b) identifying the number of settlement means (n) and dividing the total settlement amount calculated on the settlement terminal by the number of settlement means (n); (c) associating the divided amount with each of the one or more settleable means and sorting the one or more settleable means by type; (d) generating an authorization request signal based on the type of the one or more payable means; (e) transmitting, via the payment mediation server, the approval request signal to the enterprise server or the card issuer server based on the type of the one or more settlement enabling means; (f) receiving an approval response signal from the enterprise server or the corresponding card issuer server via the payment mediation server, for each of the one or more settleable means; (g) completing a settlement approval process for the divided amount with respect to each of the one or more settlement enabling means by the approval response signal, wherein (a) comprises: (aa) Maintaining a total payment amount calculated on the payment terminal and information associated therewith during a predetermined information acquisition waiting time from the time of acquiring information on the payment information; (ab) determining whether or not information on the k-th settleable means coincides with information on the first settlement means to the (k-1) settleable means; (ac) receiving a duplicate process number for the k-th settlement means; (ad) It is determined that the information on the k-th settleable means coincides with the information on at least one of the k-1 settleable means previously input, and if the duplicate process number is not input , And a negative response processing of the information on the k-th settleable means.

Wherein the type of the settlement means is unique identification data, biometric data, and a financial card, wherein the unique identification data includes at least one of a personal RF ID (Radio Frequency Identification) of a corporation, barcode data of two or three- Number, and a mobile phone number, and the biometric data is at least one of fingerprint recognition data, iris recognition data, and facial recognition data, and the financial card is a credit card or a check card. When the type of the settlement enabling means is the unique identification data or the biometric data, the object to which the approval request signal and the approval response signal are transmitted and received becomes the enterprise server.

Wherein when the type of the settlement enabling means is the financial card, the object to which the approval request signal and the approval response signal are transmitted and received is a corresponding card company server of the financial card, Card number, expiration date, and password of each card. (H) a step of recognizing the electronic signature data of at least one of the n settleable means by the approval response signal, if the type of the settlement enable means is the financial card step; (i) completing payment approval processing of the divided amount for each of the n settleable means by the approval response signal and the digital signature data; And (j) when the settlement approval process is completed, encoding the information on the at least one settlement enabling means and the divided amount, and storing the information in the database of the payment mediating server.

In yet another embodiment according to the present invention, a computer-readable storage medium for performing a payment mediation method including processor-executable software instructions is disclosed. The processor-executable software instructions contained in the computer-readable storage medium may include instructions for: (a) obtaining information about each of the one or more payment means; (b) identifying the number of settlement means (n) and dividing the total settlement amount calculated on the settlement terminal by the number of settlement means (n); (c) associating the divided amount with each of the one or more payable means and sorting the one or more payable means by type; (d) generating an authorization request signal based on the type of the one or more payable means; (e) transmitting, via the payment mediation server, the approval request signal to the enterprise server or the card issuer server, based on the type of the one or more payable means; (f) receiving, from the enterprise server or the corresponding card issuer server, an approval response signal for the one or more settleable means via the payment mediation server, respectively; And (g) completing the payment approval processing of the divided amount with respect to each of the one or more settleable means by the approval response signal.

Processor-executable software instructions, when the type of the settlement means is the financial card, (h) recognizing, by the approval response signal, digital signature data for at least one of the n settleable means Operation; (i) completing settlement approval processing of the divided amount for each of the n settleable means by the approval response signal and the digital signature data; And (j) upon completion of the payment approval process, encoding the information on the at least one settlement enabling means and the divided amount, and storing the encoded information in the database of the payment mediation server.

According to the payment mediating method and the computer-readable storage medium therefor according to the present invention, it is possible to make payment by various payment means such as a unique number, a financial card, biometric data, and the like, So that a consecutive settlement is achieved so that a remarkable effect is obtained.

According to the payment mediating method and the computer-readable storage medium according to the present invention, the approval process is performed in a single process according to the payment method by various payment means, There is an effect that payment by one or more payment means or one or more payment subjects can be processed by a single approval process.

It will be understood by those skilled in the art that the effect of the present invention is not limited to the foregoing description, but may be broadly accepted, and, ultimately, The introduction of a payment terminal employing a computer-readable storage medium has the ultimate effect of simplifying the payment procedure and spreading the Dutch Peak culture to induce rational consumption.

FIG. 1 shows a process in which a payment is made between a VAN company and a card company or a bank at the time of payment of a card.
2 is an exemplary block diagram of a payment terminal in which a payment intermediation method according to the present invention is performed.
3 illustrates an exemplary screen displayed on a display window (output window) of a payment terminal when a type of settlement means in a payment intermediation method or a computer-readable storage medium according to the present invention is applied to a financial card .
4 is a flowchart illustrating a process in which a payment mediating method according to the present invention is performed.
5 to 8 are diagrams illustrating a payment mediating method according to the present invention or a computer-readable storage medium according to the present invention, when a type of settlement means is unique identification data or biometric data, And illustrates some aspects of an exemplary screen that may be output from a corporate server.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, with reference to the accompanying drawings, a method of managing a foreign object according to an embodiment of the present invention will be described in detail. The invention is susceptible to various modifications, changes and variations, as defined by the appended claims.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In describing embodiments of the present invention, when an excessively detailed description of a specific configuration or step can obscure the gist of the present invention, a detailed description thereof will be omitted and detailed explanation It will be explained in the text. It should be understood, however, that the present invention is not limited to specific embodiments, but includes modifications, variations, alterations, and equivalents included in the spirit and scope of the present invention.

As used herein, the term " comprises " means that there is a corresponding feature, attribute, structure, or component, but rather includes only one or more of the other features, attributes, It should be understood that the present invention does not exclude the possibility of existence or addition of a combination of the above. The term "exemplary" is used herein to mean "serving as an example, instance, or illustration," and that the "exemplary" aspect is preferred or advantageous over other aspects It will not be. Also, unless explicitly specified in singular < RTI ID = 0.0 > form < / RTI > herein, it is to be understood that the invention also encompasses one or more than one form.

2 is a functional block diagram of a payment terminal in which a payment intermediation method according to the present invention is performed. The payment terminal 200 can be largely composed of an input / output module 210, a control module 220 and a communication processing module 230. In order to support such functions, the payment terminal 200, the memory module 250, And a power supply unit 260 are incorporated together.

The input / output module 210 includes a card reading unit 211 for reading card information, a keypad unit 212 for receiving numeric information according to decimal notation and some special characters, input information and / or payment terminal 200, And a display unit 213 for outputting the information rendered by the control module 220 of the control module 220 or the like so that the user can confirm the type of the settlement means. Alternatively, the type of the settlement means may be fingerprint recognition data, iris recognition data, And a biometric information reading unit 214 for reading the biometric data when the biometric information is at least one of data. The biometric data that can be read by the biometric information reading unit 214 is not limited to fingerprint, iris information, facial information, and the like. As the biometric pattern recognition and the data processing technology corresponding thereto are developed, And collectively refers to data that can identify unique information.

Among the input / output module 210, the card reading section 211 can read the card number, validity period information, card name information, CVS number, etc. by the 15-digit or 16-digit financial card, The read information can be transmitted by encrypting some or all of the information read by the terminal / system of the card company / bank via the VAN terminal / system via the communication module 230 via the control module 220. [

The keypad unit 212 indicates at least one of a private RF ID (Radio Frequency Identification) of a company, a personal employee number, and a mobile phone number when the settlement means carries out a transaction by unique identification data, that is, a contract between a business entity and an affiliated store And means for inputting the payment means information when the RF ID information is not directly scanned but received as a number.

In addition, although not shown, the input / output module 210 may further include a barcode identification unit for reading two-dimensional or three-dimensional barcode data. Two- or three-dimensional barcode data can be generated based on the RF ID and personal employee number belonging to the corporation, and / or a two-dimensional or three-dimensional bar code unique to each financial card is generated based on the financial card information Whereby it can be linked to the financial card information.

The control module 220 includes a settlement type checking unit 221 for checking whether the settlement type is financial card, unique identification data, biometric data, an interface control unit 222 for rendering inputted information or information to be outputted, A professional generating unit 223 for generating a full text of the payment information, a professional processing unit 224 for processing the generated text, and an information extracting unit 225 for extracting the payment reward information.

The special-purpose generating unit 223 generates the special-number information inputted through the keypad unit 212 and / or the card information obtained through the card reading unit 211, and the information extracting unit 225 obtains information on the payment type means A payment approval request message including the collection information extracted from the memory module 250 is generated. The professional processing unit 224 can process and process data by interlocking with the communication processing module 230 in conjunction with a predetermined payment approval request message generated by the message generating unit 223. [ The interface control unit 222 may perform not only rendering of input information or information to be output, but also interlocking the encryption key information and the encrypted card information so that they can be exchanged with each other, and may perform data processing for encryption / decryption .

The communication processing module 230 includes a network communication unit 231 for wireless communication, a cable communication unit 232 for wired communication, and a local communication unit 233 for tag / scanning of an RF ID. Although the network communication unit 231, the cable communication unit 232 and the short-range communication unit 233 are denoted by different names according to their functions, the wireless communication network 231 includes a VAN, And a communication channel for connecting to a server on the network is connected to the payment terminal 200. From a hardware point of view, the payment terminal 200 can be connected to a predetermined wired / wireless network and the communication protocol for data communication is generally referred to.

In particular, the cable communication unit 232 is for connecting a cable communication session with a predetermined terminal or a POS point or a server via a predetermined cable communication (for example, RS-232c, USB, etc.) And a communication port for cable communication from a software point of view. The short range communication unit 233 includes at least one of infrared communication, RF communication, Bluetooth, wireless LAN, WiFi, ZigBee, and beacon communication. Lt; RTI ID = 0.0 > wireless < / RTI > communication session.

The print output module 240 is for outputting information or data (for example, a receipt or the like) generated as a result of the settlement mediation performed by the settlement terminal 200 to a certain printing apparatus, And a print protocol for outputting the print target data.

3 illustrates an exemplary screen displayed on a display window (output window) of a payment terminal when a type of settlement means in a payment intermediation method or a computer-readable storage medium according to the present invention is applied to a financial card .

In the case of selecting credit card payment in (a) of FIG. 3, if the credit card is read in (b), the card reading unit 211 of FIG. 2 acquires the information of the card, Or keeps the information for a predefined period of time on the payment terminal to obtain information about the payable means. This will be described in detail again in the flowchart of Fig.

Even if the process of (b) is repeated a plurality of times, the payment mediation method according to the present invention can be performed by allowing the process of (c) approving the final settlement to be performed only once.

4 is a flowchart illustrating a process in which a payment mediating method according to the present invention is performed.

First, in step S100, information on each of one or more payment enabling means is acquired. Herein, the payment means means unique identification data, biometric data, and a financial card, and the financial card means a check card or a credit card including an MS or an IC chip, and the unique identification data is a private RF ID (Radio frequency identification), two-dimensional or three-dimensional barcode data, personal employee number, and mobile phone number. The biometric data may be at least one of fingerprint recognition data, iris recognition data, But the present invention is not limited thereto. It should be noted that, since information on each of the at least one settlement means is obtained, even if the information of one settlement means is read, a predetermined fixed time (for example, 5 seconds, 10 seconds, etc.) ) Holds the information read in the waiting time until the next time the information of the payable means of the readout information is read.

Meanwhile, the step S100 may further include the steps of: (a1) maintaining a total payment amount calculated on the payment terminal and information associated therewith for a predetermined waiting time for acquiring information from the time of acquiring information about the first settlement enabling means; (a2) determining whether information on the k-th settleable means coincides with information on the first settlement means to the (k-1) settleable means; (a3) receiving a duplicate process number for the k-th settlement means; (a4) it is determined that the information on the k-th settleable means coincides with the information on at least one of the k-1 settleable means previously input, and if the duplicate process number is not input , And a negative response processing of the information on the k-th settleable means.

Next, after acquiring all of the settleable means information, the number n of settlement means is identified in step S200, and the total settlement amount calculated on the settlement terminal is divided by the number n of settlement means , And may be performed in the control module of the terminal (step S200). For example, if the total payment amount is 100,000 won and the information of the acquired financial card is identified as 4 (as described in connection with FIG. 3), the total payment amount calculated on the payment terminal (100,000 won) (4), and associate the amount by 25,000 won each.

In step S300, the divided amounts are associated with one or more settleable means and one or more settleable means are classified according to type. For example, S300 can be effectively applied when four objects are read out as payment means, two of which are credit cards, two are employee RF ID information, and the objects are different.

In step S400, an approval request signal is generated based on one or more types of the settlement means. In step S500, an approval request signal is transmitted to the enterprise server or the card company server via the payment intermediary server, In step S600, an approval response signal for one or more payment enabling means is received from the enterprise server or the card issuing server via the payment mediation server, respectively.

In step S500, the 'payment mediating server' may mean a server of the VAN company, and it may be replaced with another server. For example, when the type of the settlement enabling means is the unique identification data or the biometric data, the object to which the approval request signal and the approval response signal are transmitted and received becomes the enterprise server, and when the type of the chargeable means is the financial card, And the object to which the approval response signal is transmitted and received is the card issuer server of the financial card, the object to which the approval request signal is transmitted may be different depending on the type of the settlement enabling means.

As described above, according to the payment mediating method according to the exemplary embodiment of the present invention, it is possible to perform payment by various payment means such as a unique number, a financial card, biometric data, and the like, It is possible to make continuous payments, and ultimately, the ultimate effect is that the payment process can be simplified and the Dutch pop culture can be spread to induce rational consumption.

5 to 8 are diagrams illustrating a payment mediating method according to the present invention or a computer-readable storage medium according to the present invention, when a type of settlement means is unique identification data or biometric data, And illustrates some aspects of an exemplary screen that may be output from a corporate server. These various exemplary aspects are provided through an Internet homepage, so that they can be accessed from a personal computer, a notebook computer, a tablet PC, a smart phone, or the like, or can be implemented as an application program or an application program. It should be noted that, although the method of managing trauma according to the present invention is not limited to the exemplary aspects shown, the aspects shown are provided for a clearer understanding of the method of managing trauma according to the present invention.

Referring to FIG. 5, a screen provided by the service server and available to the manager / person in charge of the enterprise terminal or the merchant terminal is shown. For example, the service provided with the trauma book management method according to the present invention can be implemented so that the service provided by the enterprise terminal or the administrator of the agent terminal can be used after the 'user authentication' process, and the ' Lt; / RTI >

Next, referring to FIG. 6, it may be an exemplary screen related to the merchant store registration step, and similarly, a screen of the business registration step may be similarly provided. For example, in a case where the business owner who is a member shop can register a type (for example, a personal business operator or a management business), an area for inquiring whether or not the member is a member of the service server, And an area that attracts the user to join the service. In addition, in such a merchant or business registration screen, it is possible to provide information for inputting transaction information such as the trauma book management commission rate and the deposit period. Similar to what has been described above, the Fee Management Fee rate means the amount that is subtracted from the foreign currency amount of the principal rather than paying the foreign currency on behalf of the FSA, It may be determined within a reasonable range according to the individual contract between the management service provider and the merchant.

Meanwhile, the deposit cycle is related to the 'first period' in advance, and is a cycle in which a foreign-funded management service provider pays out the foreign currency on behalf of the enterprise (for example, within one day from the date of the foreign trade transaction, 3 days or less).

Referring to FIG. 7, as a screen of the deposit calendar that can be provided and output on the screen of the management terminal of the merchant, for example, a deposit amount 4311 and a deposit amount 4312 can be presented in a calendar format have. More specifically, the deposit calendar screen 431a displays a deposit history display screen (for example, a deposit date display screen) when the user selects a deposit scheduled amount 4311 or a deposited deposit amount 4312 displayed on an arbitrary date in the deposit calendar, 7). ≪ / RTI >

As another example, the deposit calendar screen 431a displays an input means (e.g., a mouse pointer, a touch pen, or the like) on a deposit-scheduled amount 4311 or a deposited amount 4312 displayed on a specific date in the deposit calendar, The external transaction details 4313 of the date may be displayed in a separate area. In addition, it is needless to say that the deposit calendar screen 431a may be configured so that the traffics can be searched for all the terminals, each terminal, each company, and each period.

Referring to FIG. 8, the deposit history inquiry screen 431c, which can be confirmed on the screen of the management terminal of the merchant, can be configured to enable detailed search inquiry for all the terminals / each terminal, have. For example, the deposit history inquiry screen 431c displays the total amount of money, the total amount of settlement, the total amount of cancellation, the total amount of non-settlement amount, the commission rate, A fee, a predetermined amount of money to be deposited, information on the amount of money deposited in the bank account, and the like. Also, the actual bankbook deposit amount information may be configured so that access to the account associated with the merchant or the company itself is performed. The actual account deposit amount information is the actual account deposit amount using the deposit account inquiry service, and refers to information that has been scrapped from the account associated with the registered member.

9 is a detailed view (440) of the deposit details that can be confirmed on the screen of the management terminal of the merchant. The information includes transaction date information, approval number information, corresponding company information, employee number information, approval amount information, billing date information, Actual passbook depositing date information, processing status information, terminal serial number information, merchant number information, and the like. For example, in the deposit details detail inquiry screen 440 in FIG. 8, a number of foreign currency transactions are performed by members using 'employee number 412331865' belonging to a corporation Gana or a company belonging to a corporation in 'xx day xx of 2014' Information about the above-mentioned items can be stored and presented.

5-9, which illustrate various exemplary aspects of the trauma management method in accordance with the present invention, may be implemented by a computer-readable storage medium, including but not limited to an exemplary module for the embodiments described herein, A logic block, a means, a step, or a combination thereof may be implemented by electronic hardware (a digital design designed by coding or the like), software (various forms of application including program instructions), or a combination thereof. Hardware, and / or software may be different depending on specifications given to the server or the terminal.

In addition, the functions or methods presented herein may be implemented in hardware, software, firmware, or a combination thereof, wherein, when executed by software, the functions may be stored in one or more instructions or code on a computer- Stored or transmitted through it. Computer-readable storage media generally refers to any available media that can be accessed by a computer.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It is to be understood that the scope of the present invention is to be understood as the following claims and their equivalents.

Claims (11)

A payment mediation method performed at a payment terminal,
(a) obtaining information about each of at least one payment means;
(b) identifying the number of settlement means (n) and dividing the total settlement amount calculated on the settlement terminal by the number of settlement means (n);
(c) associating the divided amount with each of the one or more settleable means and sorting the one or more settleable means by type;
(d) generating an authorization request signal based on the type of the one or more payable means;
(e) transmitting, via the payment mediation server, the approval request signal to the enterprise server or the card issuer server based on the type of the one or more settlement enabling means;
(f) receiving, from the enterprise server or the corresponding card issuer server, an approval response signal for the one or more settlement enabling means via the payment mediation server, respectively
/ RTI >
Payment intermediation method.
The method according to claim 1,
Wherein the type of the settlement means is unique identification data, biometric data, and a financial card, wherein the unique identification data includes at least one of a personal RF ID (Radio Frequency Identification) of a corporation, barcode data of two or three- Wherein the biometric data is at least one of fingerprint recognition data, iris recognition data, and facial recognition data, and the financial card is a credit card or a check card.
Payment intermediation method.
3. The method of claim 2,
Wherein when the type of the settlement enabling means is the unique identification data or the biometric data, the object to which the approval request signal and the approval response signal are transmitted and received is the enterprise server.
Payment intermediation method.
3. The method of claim 2,
Wherein when the type of the settlement means is the financial card, the object to which the approval request signal and the approval response signal are transmitted is the corresponding card company server of the financial card.
Payment intermediation method.
5. The method of claim 4,
Wherein if the type of the settlement means is the financial card, the information on each of the one or more settlement enabling means includes a card number, a valid period, and a password of each financial card.
Payment intermediation method.
3. The method of claim 2,
The step (a) further includes the step of: (aa) retaining the total payment amount calculated on the payment terminal and the information associated therewith for a predetermined waiting time for acquiring information from the time of acquiring the information on the first payment enabling means ≪ / RTI >
Payment intermediation method.
The method according to claim 6,
The step (a)
(ab) determining whether or not information on the k-th settleable means coincides with information on the first settlement means to the (k-1) settleable means;
(ac) receiving a duplicate process number for the k-th settlement means; And
(ad) It is determined that the information on the k-th settleable means coincides with the information on at least one of the k-1 settleable means previously input, and if the duplicate process number is not input , A step of processing negative response information of the k-th settleable means
/ RTI >
Payment intermediation method.
3. The method of claim 2,
(g) completing payment approval processing of the divided amount with respect to each of the one or more settlement enabling means by the approval response signal
≪ / RTI >
Payment intermediation method.
5. The method of claim 4,
If the type of the settlement means is the financial card,
(h) recognizing the electronic signature data for at least one of the n settleable means by the approval response signal; And
(i) completing payment approval processing of the divided amount with respect to each of the n settleable means by the approval response signal and the digital signature data
≪ / RTI >
Payment intermediation method.
10. The method of claim 9,
If the type of the settlement means is the financial card,
(j) when the payment approval process is completed, encoding the information on the at least one settlement enabling means and the divided amount and storing the information in the database of the payment mediation server,
Payment intermediation method.
18. A computer-readable storage medium comprising processor-executable software instructions for performing a payment intermediation method,
The processor-executable software instructions, which the computer-readable storage medium includes,
(a) obtaining information about each of the one or more payable means;
(b) identifying the number of settlement means (n) and dividing the total settlement amount calculated on the settlement terminal by the number of settlement means (n);
(c) associating the divided amount with each of the one or more payable means and sorting the one or more payable means by type;
(d) generating an authorization request signal based on the type of the one or more payable means;
(e) transmitting, via the payment mediation server, the approval request signal to the enterprise server or the card issuer server, based on the type of the one or more payable means;
(f) receiving, from the enterprise server or the corresponding card issuer server, an authorization response signal for the one or more payment enabling means via the payment mediation server,
Computer-readable storage medium.

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