KR101597896B1 - Payment method using near field communicatio and payment apparatus performing the payment method - Google Patents

Abstract

A payment terminal for performing a payment method and a payment method using short-range wireless communication is disclosed. The payment method is performed using the payment information related to the payment means for paying the fee generated by the event. In addition to the payment authentication using the password, the payment method is completed when the device authentication of the user device based on the short- .

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a settlement method and a settlement method using a short-

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method using short-range wireless communication and a payment terminal for performing the method, and more particularly, to a payment method in which a payment is performed through device authentication in addition to payment authentication, To the payment terminal.

Techniques that constitute the background of the present invention are disclosed in the following documents.
- Public number: 2012-0112931 (2012.12.12), "Credit card mobile payment system using mobile terminal and its method"
Recently, as the use of mobile terminals such as smart phones and tablet PCs is increasing, the number of cases where products are purchased or services are provided using mobile terminals is increasing. In the case of purchasing such goods or paying for the costs incurred by receiving the services, the payment for the expenses was simply handled by the user simply entering the details of the payment means. For example, in order to settle a product purchased through a mobile terminal, the user inputs detailed information of the credit card and the password of the credit card into the mobile terminal.

Since such a simple settlement provides the convenience of settlement to the user, the online transaction through the mobile terminal can be activated. However, since detailed information of a payment means such as a credit card and a password are hacked, it can cause enormous damage to the user, so that the simple payment can cause serious security problems while providing convenience to the user.

Therefore, there is a need for measures to solve serious security problems while maintaining the convenience of simple settlement.

In order to proceed with a settlement process for paying a cost generated by an event, the present invention further improves security while maintaining convenience of settlement by additionally performing device authentication based on short-range wireless communication in addition to payment authentication using password Method and apparatus.

A method and apparatus for improving security by a simple method by preventing settlement to be completed if user equipment registered in advance in accordance with short-range wireless communication does not leak out even if the detailed information of the payment means and the password of the payment means are leaked Lt; / RTI >

A payment method performed by a payment terminal according to an exemplary embodiment of the present invention includes receiving a password for payment authentication for a cost generated by an event; Recognizing a user device for device authentication based on short-range wireless communication; And receiving a payment result for the cost from the payment server when payment authentication based on the password and device authentication based on the recognition of the user device are completed.

The user equipment may include a chip or a communication module capable of short-range wireless communication with the payment terminal.

The step of recognizing the user equipment may recognize the user equipment based on the short-distance wireless communication when the user equipment contacts the payment terminal or the user equipment is within a predetermined distance.

The user equipment may be recognized in advance by the near field wireless communication and registered in the payment terminal or the payment server before being recognized by the payment terminal for device authentication for the cost incurred by the event.

The device authentication may include at least one of whether the user equipment has been recognized by the payment terminal according to the near field wireless communication or whether the terminal information of the user equipment identified according to the near field wireless communication matches the terminal information registered in advance . ≪ / RTI >

The payment server can perform settlement of the charge based on the payment information transmitted from the service providing server or the payment terminal where the event is generated.

Wherein the payment server is configured to transmit the payment information to the payment server based on the payment information delivered at any one of (i) the payment authentication and the device authentication are completed after the occurrence of the event, or (ii) You can pay for costs.

Wherein the payment server is configured to transmit the payment information to the payment server based on at least one of the payment means entered by the payment terminal in response to the occurrence of the event, the payment means entered in response to the registration of the user apparatus, It is possible to perform settlement of the above cost.

The payment method may further include displaying a settlement message associated with the event via the chat room, and the event may be generated by the settlement terminal or a purchase terminal different from the settlement terminal.

A payment terminal for performing a payment method according to an embodiment of the present invention includes a password receiver for receiving a password for payment authentication for a cost generated by an event; A step of recognizing a user device for device authentication based on short-range wireless communication; And a payment result receiving unit for receiving the payment result for the cost from the payment server when the payment authentication based on the password and the device authentication based on the recognition of the user equipment are completed.

The device recognition unit may recognize the user device based on the short-range wireless communication when the user equipment contacts the payment terminal or the user equipment is within a preset distance.

The user equipment may be recognized in advance by the near field wireless communication and registered in the payment terminal or the payment server before being recognized by the payment terminal for device authentication for the cost incurred by the event.

The payment server can perform settlement of the charge based on the payment information transmitted from the service providing server or the payment terminal where the event is generated.

Wherein the payment server is configured to transmit the payment information to the payment server based on the payment information delivered at any one of (i) the payment authentication and the device authentication are completed after the occurrence of the event, or (ii) You can pay for costs.

The payment terminal may further include a message display unit for displaying a payment message related to an event through a chat room, and the event may be generated by a payment terminal or a payment terminal and a purchase terminal different from the payment terminal.

According to an embodiment of the present invention, there is provided a program for processing a payment method, the program comprising the steps of: receiving a password stored in a payment terminal for payment authentication for expenses incurred by an event; Recognizing a user device for device authentication based on short-range wireless communication; And receiving a payment result for the cost from the payment server when payment authentication based on the password and device authentication based on the recognition of the user device are completed.

The program may further include displaying a payment message associated with the event via the chat room.

According to an embodiment of the present invention, when performing a payment method to pay a cost generated by an event, device authentication based on local wireless communication is additionally performed in addition to password authentication using a password, It is possible to improve the property.

According to the embodiment of the present invention, even if the detailed information and the password of the payment means are leaked, the security can be improved by a simple method by preventing the payment from being completed when the pre-registered user devices do not leak together with the short- .

1 is a diagram illustrating a process in which a payment terminal makes a settlement of a cost incurred by an event using a user equipment capable of short-distance wireless communication according to an exemplary embodiment of the present invention.
2 is a diagram illustrating a process of registering a user equipment through a payment terminal according to an exemplary embodiment of the present invention.
3 is a diagram showing a payment method according to the first embodiment.
4 is a diagram showing a payment method according to the second embodiment.
5 is a diagram illustrating a payment method according to the third embodiment.
FIG. 6 is a diagram illustrating a process of generating payment information according to an embodiment of the present invention.
7 is a diagram illustrating a process of performing payment authentication and device authentication according to an embodiment.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a process in which a payment terminal makes a settlement of a cost incurred by an event using a user equipment capable of short-distance wireless communication according to an exemplary embodiment of the present invention.

1, the payment method using the short-range wireless communication can be performed by the user device 101, the payment terminal 104, the message server 102, the service providing server 103, and the payment server 105 .

Here, the user equipment 101 means a device capable of short-distance wireless communication with which the payment terminal 104 can receive or receive data. The settlement terminal 101 also refers to a terminal capable of short-range wireless communication with which data can be exchanged with the user device 101.

The user device 101 may be any form capable of short-range wireless communication. Thus, the user device 101 may be in any form if it includes a component capable of short-range wireless communication, regardless of whether it has a display or a display. Referring to FIG. 1, the user device 101 may include a component such as a chip, a small card, or a dongle capable of short range wireless communication such as a headphone, an employee ID card, a portable terminal, a credit card, or the like.

In this case, the short-range wireless communication may refer to a communication technique in which data can be exchanged between terminals having a relatively short communication distance using a specific frequency band. The short range wireless communication may be performed only when the user device 101 and the payment terminal 104 are located below a predetermined distance even though they are in contact with or not in contact with each other and the user terminal 101 can be detected or recognized by the payment terminal 104 . ≪ / RTI > For example, the short-range wireless communication may include a case where communication is possible by a simple operation such as RFID or NFC (Near Field Communication). In this case, the user device 101 becomes a role of a tag, and the payment terminal 104 can perform a role of a leader.

The settlement terminal 104 can pay the costs incurred by events such as purchase of goods, provision of services, reimbursement of debts, etc. through the event page linked to the service providing server 103 by the purchasing terminal. At this time, the purchasing terminal may be the payment terminal 104 or may be a terminal different from the payment terminal.

For example, when an event is generated by the purchasing terminal and the settlement terminal 104 pays the cost due to the event, the settlement terminal 104 transmits a message containing the settlement information related to the event to the service providing server 103 or From the message server 102. Such a message can be delivered via a chat room. Thereafter, the settlement terminal 104 can access the settlement page associated with the service providing server 103 or the settlement server 105 via the message. Then, the settlement terminal 104 can input detailed information related to the settlement means through the settlement page.

At this time, the payment means is for paying the cost generated by the event, and may include a credit card, a check card, a gift certificate, a point, a money transfer, and the like. Here, when the payment means is a credit card, the detailed information of the payment means may include an expiration date of the credit card, a card number, a credit card password, and the like. In the present invention, the type of the payment means is not limited and may include all types of payment means for paying the costs incurred by the event.

After the detailed information related to the payment means is inputted, the payment terminal 104 can input the password for payment authentication in the payment page and perform the device authentication using the user device 101 based on the short-range wireless communication .

Here, the payment information is for specifying a payment object, and includes details of (i) name, quantity and related options of the goods or services related to the event to be paid, (ii) identification information of goods or services, iii) sales amount, iv) sales source, and iv) purchase time. Thereafter, the message containing the payment information may be transmitted to the payment terminal 104 via the chat room. Thereafter, after the settlement authentication and the device authentication are completed, the settlement server 105 can proceed the settlement using the settlement information including the detailed information related to the settlement means delivered by the settlement terminal 104. [

As another example, when an event is generated by the settlement terminal 104 and the settlement terminal 104 directly pays the cost due to the event, the settlement terminal 104 does not receive the message including the settlement information related to the event . In this case, the settlement terminal 104 may input detailed information related to the settlement means to settle the cost due to the event in the event providing page provided by the service providing server 103. [

After the detailed information related to the payment means is input, the payment terminal 104 inputs a password for payment authentication on the payment page converted from the event providing page or the event providing page, ) Can be performed. Thereafter, after the settlement authentication and the device authentication are completed, the settlement server 105 can proceed the settlement using the settlement information including the detailed information related to the settlement means delivered by the settlement terminal 104. [

In order to settle the cost incurred by the event, a password for payment authentication needs to be input. Here, the password includes a PIN number, and may be a preset password for each payment means or a password set in advance for the payment itself.

However, in order to settle the cost incurred by the event, the device authentication of the user device 101 based on the short-range wireless communication may be additionally required in addition to the payment authentication. Here, the device authentication is performed when the user device 101 recognizes the settlement terminal 104 in accordance with the near field wireless communication or the terminal information of the user device identified according to the near field wireless communication to the settlement terminal 104 or the settlement server 105 The terminal information registered in advance may be matched with the terminal information registered in advance.

On the other hand, before the device authentication is performed, the user device 101 may be recognized in advance by the near-field wireless communication and registered in the payment terminal 104 or the payment server 105. [ The process of registering the user device 101 may be started in the same process as the process of recognizing the user device 101 in the settlement terminal 104 for device authentication.

The user device 101 recognized according to the short-range wireless communication can be registered in advance in correspondence with the payment means designated by the payment terminal 104. [ The settlement terminal 104 can acquire and read the device information of the user device 1010 in accordance with the short-range wireless communication from the user device 101. The payment terminal 104 matches the device information with the user device 101 The settlement terminal 104 can register the device information of the user device 101 to the payment server 105 and register it in the payment server 105 .

When there are a plurality of payment means, different user apparatuses may be registered for each payment means. Alternatively, even if the payment means is plural, the same user device can be registered for each payment means.

As a result, according to the embodiment of the present invention, in order for the payment server 105 to pay the cost generated by the event, it is necessary to (i) settle authentication based on the password input to the settlement terminal 104 and (ii) 101 need to be authenticated by the payment terminal 104 in accordance with the short-range wireless communication. At this time, the order of payment authentication and device authentication may be mutually changed. Then, after the settlement authentication and the device authentication are completed, the settlement server 105 can proceed with the settlement of payment using the settlement information including the detailed information related to the settlement means received from the settlement terminal 104. [

Accordingly, even if the payment means and the password necessary for payment authentication are leaked due to the user's mistake or hacking outside, the payment process can not be completed unless the user device 101 necessary for settlement flows out together. Therefore, according to the embodiment of the present invention, the security of the settlement process using the settlement terminal 104 can be improved by utilizing the user device 101 capable of short-range wireless communication in the settlement process.

As described above, the owner of the payment terminal 101 and the owner of the user device 101 may be the same. Or may be a predefined relationship (e. G., A family relationship or a friendship relationship), even if they are not the same. For example, even if the detailed information of the payment means designated by the user and the password of the payment means are leaked, the apparatus can not be authenticated unless the user device 101 is leaked to the user device 101. Therefore, The payment process can not be performed. Also, in order to prevent the user from indiscriminately consuming by using the payment means, the user device 101 used for the device authentication required for the payment process is not owned by the user who purchases the goods or services, May be a device owned by the user.

2 is a diagram illustrating a process of registering a user equipment through a payment terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 2 (a), the payment terminal 104 may display an interface for receiving or selecting detailed information related to the payment means for registering the user equipment 101. Although not shown in the drawings, the payment terminal 104 can display an interface for registering the user device 101 regardless of the input of detailed information related to the payment means.

Referring to FIG. 2 (b), the registration process of the user device 101 may proceed based on short-range wireless communication between the payment terminal 104 and the user device 101. [ At this time, even if the settlement terminal 104 and the user device 101 are in contact with each other or even if they are not in contact with each other, the settlement terminal 104 recognizes the user device 101 based on the short- , The user equipment 101 necessary for device authentication can be registered.

For example, when the settlement terminal 104 and the user device 101 are connected by short-range wireless communication, the settlement terminal 104 reads the device information of the user device 101 and then transmits the device information and the user device 101 to each other The user device 101 can be registered by matching and storing in the internal memory. The settlement server 104 transmits the device information of the user device 101 read by the near field wireless communication to the settlement server 105 and the settlement server 105 transmits the device information and the user device 101 to each other The user device 101 can be registered by matching and registering. Here, the device information may include a unique ID assigned to the user device 101 for short-range wireless communication.

Referring to FIG. 2 (c), a message indicating that the user device 101 has been registered through the display of the payment terminal 104 may be displayed. This registration process may be performed whenever the settlement means is changed or when the user device 101 related to settlement is replaced. Alternatively, the registration process of the user device 101 may be performed independently of the payment means input in FIG. 2 (a).

3 to 5 below specifically describe a settlement method based on a password, and a settlement method for settlement of a cost generated by an event at the settlement server 105 after the device authentication of the user equipment. Some of the steps shown in Figs. 3 to 5 may not be performed depending on the situation. 3 to 5 are merely examples, and the present invention is not limited to the steps specifically described in Figs. 3 to 5.

3 is a diagram showing a payment method according to the first embodiment.

3 illustrates a process in which a password for payment authentication is input to the payment terminal 104 and a password is transmitted to the payment server 105 when device authentication based on the user device 101 is performed sequentially or simultaneously . Then, the settlement server 105 performs settlement authentication using the password, and then the settlement information can be delivered from the settlement terminal 104 to the settlement server 105 when the settlement authentication is completed. Hereinafter, the settlement process will be described in detail for each step.

At step 301, the payment terminal 104 may receive a payment message containing payment information from the message server 102. In step 302, the payment terminal 104 may display a payment message containing payment information. Here, the payment information may be related to the event generated in the event providing page linked with the service providing server 103 by the payment terminal 104 and another purchasing terminal.

Here, the payment information is for specifying a payment target, and includes details of (i) name, quantity and related options of the goods or services to be paid, (ii) identification information, (iii) ) Sales source, or (iv) purchase time.

For example, when an event is generated by a purchasing terminal on a service provision page linked to the service providing server 103, the purchasing terminal can make a payment request for the event. At this time, when the purchasing terminal requests the payment, the message server 102 inputs a phone number, an email address, or a messenger ID corresponding to the device information of the payment terminal 104. Then, the message server 102 transmits a payment corresponding to the phone number, A message including payment information related to an event may be transmitted to the terminal 104. [ Alternatively, the message server 102 may deliver a message containing payment information to the payment terminal 104 regardless of the phone number, email address, or messenger identity.

3, a purchasing terminal that has generated an event such as a purchase of goods or a service provision in an event providing page linked with the service providing server 103 sends an event to the payment terminal 104 Or when the user requests the settlement of expenses generated by the user. The settlement terminal 104 may access the settlement page provided by the service providing server 103 or the settlement server 105 from the settlement message and then input detailed information related to the settlement means in the settlement page. The input detailed information of the payment means may be transmitted to the payment server 105 together with the payment information transmitted in step 309. [ If the detailed information related to the payment means is previously registered in the payment server 105, the payment server 105 can use the detailed information related to the registered payment means without inputting in the payment page. Such payment means may be registered in the payment server 105 in advance in response to the registration of the user device 101. [

On the other hand, when the payment terminal 104 generating an event such as purchase of goods or service provision in the event providing page linked with the service providing server 103 directly charges the cost generated by the event, To step 302 may not be performed. In this case, the settlement terminal 104 may input detailed information related to the settlement means to pay for the event by the event providing page. The input detailed information of the payment means may be transmitted to the payment server 105 together with the payment information transmitted in step 309. [

In step 303, the payment terminal 104 may receive the password required for payment authentication from the user who has confirmed the payment message. Here, the password may be the password of the payment means associated with the payment information or the password set in the entire settlement process.

In step 304, the payment terminal 104 may display the device authentication page after receiving the password or upon receiving the password. Then, at step 305, when the user device 101 contacts the payment terminal 104 or approaches a predetermined distance or less, the payment terminal 104 transmits the user device 101 Can be recognized. Based on such short-range wireless communication, device authentication based on the user device 101 can be performed. At this time, the device authentication can be performed by comparing the device information of the user device 101 previously registered by the settlement terminal 104 with the device information read from the user device 101 by the settlement terminal 104 in accordance with the near field wireless communication have.

At this time, when the user device 101 is recognized by the payment terminal 104 in accordance with the short-range wireless communication and the device authentication is completed as in step 305, the payment terminal 104, in step 306, To the payment server 105, the password received from the user. At this time, the payment terminal 104 may transmit or receive the device information received through the device authentication based on the near field wireless communication to the payment server 105 together with the password.

In step 307, the payment server 105 can perform payment authentication using the password. If the payment authentication is successful, the payment server 105 can deliver the result of the payment authentication to the payment terminal 104. [

Thereafter, at step 309, the payment terminal 104 can deliver the payment information to the payment server 105 in response to the result that payment authentication has been completed. Then, in step 310, the payment server 105 performs payment for the payment amount included in the payment information using the specified payment means, and then, in step 311, transmits the payment result to the payment terminal 104 .

In the case of FIG. 3, a process of transmitting payment information to the payment server 105 after payment authentication and device authentication are completed is described. However, the payment information is information that can be generated by the event. The payment information may be generated by the service providing server 103 or the payment terminal 104 after the event is generated even before the payment authentication and the device authentication are completed. Lt; / RTI >

Although not shown in FIG. 3, when the payment terminal 104 transfers the password received from the user to the payment server 105 in step 306, the payment information may be transmitted together. At this time, step 309 of FIG. 3 may not be performed.

4 is a diagram showing a payment method according to the second embodiment.

4, when a password for payment authentication is input to the payment terminal 104, the payment server 105 performs payment authentication using the password, and after the payment authentication is completed, The payment terminal 104 transmits the payment information to the payment server 105. The payment server 104 transmits the payment information to the payment server 104. [ Hereinafter, the settlement process will be described in detail for each step.

In step 401, the payment terminal 104 may receive a payment message containing payment information from the message server 102. At step 402, the payment terminal 104 may display a payment message containing payment information. Here, the payment information may be related to the event generated in the event providing page linked with the service providing server 103 by the purchasing terminal. Here, the payment information is for specifying a payment target, and includes details of (i) name, quantity and related options of the goods or services to be paid, (ii) identification information, (iii) ) Sales source, or (iv) purchase time.

For example, when an event is generated by the payment terminal 104 or another purchase terminal on a service provision page linked to the service providing server 103, the purchase terminal can make a payment request for the event. At this time, when the purchasing terminal requests the payment, the message server 102 inputs a phone number, an email address, or a messenger ID corresponding to the device information of the payment terminal 104. Then, the message server 102 transmits a payment corresponding to the phone number, A message including payment information related to an event may be transmitted to the terminal 104. [ Alternatively, the message server 102 may deliver a message containing payment information to the payment terminal 104 regardless of the phone number, email address, or messenger identity.

4, the purchasing terminal that has generated the event such as the purchase of goods or the service provision in the event providing page linked with the service providing server 103 notifies the settlement terminal 104 of the event Or when the user requests the settlement of expenses generated by the user. The settlement terminal 104 may access the settlement page provided by the service providing server 103 or the settlement server 105 from the settlement message and then input detailed information related to the settlement means in the settlement page. The input detailed information of the payment means may be transmitted to the payment server 105 when the payment information is transmitted in step 409. [ If the detailed information related to the payment means is previously registered in the payment server 105, the payment server 105 can use the detailed information related to the registered payment means without inputting in the payment page. Such payment means may be registered in the payment server 105 in advance in response to the registration of the user device 101. [

On the other hand, when the settlement terminal 104 that generates an event such as a purchase of goods or a service provision in the event providing page linked with the service providing server 104 directly pays the cost generated by the event, To step 402 may not be performed. In this case, the settlement terminal 104 may input detailed information related to the settlement means to pay for the event by the event providing page. The input detailed information of the payment means may be transmitted to the payment server 105 when the payment information is transmitted in step 409. [

In step 403, the payment terminal 104 may receive a password required for payment authentication from the user who has confirmed the payment message. Here, the password may be the password of the payment means associated with the payment information or the password set in the entire settlement process.

Thereafter, at step 404, the payment terminal 104 may forward the received password to the payment server 105. [ In step 405, the payment server 105 performs settlement authentication using the received password, and then, in step 406, transmits the result of the settlement authentication to the settlement terminal 104. [

In step 407, the payment terminal 104 may display a device authentication page. In step 408, when the user device 101 contacts the payment terminal 104 or approaches a predetermined distance or less, the payment terminal 104 recognizes the user device 101 based on the short-range wireless communication method . Based on such short-range wireless communication, device authentication using the user device 101 can be performed. At this time, the device authentication may be performed by comparing the device information of the user device 101 previously registered by the settlement terminal 104 with the device information read from the user device 101 by the settlement terminal 104 in accordance with the near field wireless communication And the payment terminal 104 transmits the device information read by the payment terminal 104 from the user device 101 to the payment server 105 in accordance with the short-range wireless communication, Lt; RTI ID = 0.0 > 101 < / RTI >

In step 409, when device authentication based on short-range wireless communication is performed, the payment terminal 104 can deliver the payment information to the payment server 105. [ In step 410, the payment server 105 performs payment for the payment amount included in the payment information using the specified payment means, and then, in step 411, transmits the payment result to the payment terminal 104 .

4, a description is given of a process in which the payment information is transmitted to the payment server 105 after the payment authentication and the device authentication are completed. However, the payment information is information that can be generated by the event. The payment information may be generated by the service providing server 103 or the payment terminal 104 after the event is generated even before the payment authentication and the device authentication are completed. Lt; / RTI >

Although not shown in FIG. 4, when the payment terminal 104 transmits the received password to the payment server 105 in step 404, the payment information may be transmitted together. At this time, step 409 of FIG. 4 may not be performed.

5 is a diagram illustrating a payment method according to the third embodiment.

5 shows a case where a password for payment is input to the payment terminal 104, and when device authentication based on the user device 101 is performed sequentially or simultaneously, the password and payment information are transmitted to the payment server 105, And the like. Hereinafter, the settlement process will be described in detail for each step.

At step 501, the payment terminal 104 may receive a payment message containing payment information from the message server 102. At step 502, the payment terminal 104 may display a payment message containing payment information. Here, the payment information may be related to the event generated in the event providing page linked with the service providing server 103 by the purchasing terminal.

Here, the payment information is for specifying a payment target, and includes details of (i) name, quantity and related options of the goods or services to be paid, (ii) identification information, (iii) ) Sales source, or (iv) purchase time.

For example, if the purchasing terminal generates an event via a service provision page linked to the service providing server 103, the purchasing terminal can make a payment request for the event to the payment terminal 104. At this time, when the purchasing terminal requests the payment, the message server 102 inputs a phone number, an email address, or a messenger ID corresponding to the device information of the payment terminal 104. Then, the message server 102 transmits a payment corresponding to the phone number, A message including payment information related to an event may be transmitted to the terminal 104. [ Alternatively, the message server 102 may deliver a message containing payment information to the payment terminal 104 regardless of the phone number, email address, or messenger identity.

5, the purchase terminal, which has generated an event such as a purchase of goods or a service provision in an event providing page linked with the service providing server 103, The user can be performed when the user requests the payment by the user. The settlement terminal 104 may access the settlement page provided by the service providing server 103 or the settlement server 105 from the settlement message and then input detailed information related to the settlement means in the settlement page. The detailed information of the input payment means may be transmitted to the payment server 105 when the payment information is transmitted in step 506. [ If the detailed information related to the payment means is previously registered in the payment server 105, the payment server 105 can use the detailed information related to the registered payment means without inputting in the payment page. Such payment means may be registered in the payment server 105 in advance in response to the registration of the user device 101. [

On the other hand, when the settlement terminal 104 generating an event such as purchase of goods or service provision in the event providing page linked with the service providing server 103 directly charges the cost generated by the event, To step 502 may not be performed. In this case, the settlement terminal 104 may input detailed information related to the settlement means to pay for the event by the event providing page. The detailed information of the input payment means may be transmitted to the payment server 105 when the payment information is transmitted in step 509. [

In step 503, the payment terminal 104 may receive the password required for payment authentication from the user who has confirmed the payment message. Here, the password may be the password of the payment means associated with the payment information or the password set in the entire settlement process.

In step 504, the payment terminal 104 may display the device authentication page after receiving the password or upon receiving the password. Then, at step 505, when the user device 101 contacts the settlement terminal 104 or approaches a predetermined distance or less, the settlement terminal 104 sets the user device 101 on the basis of the short- Can be recognized. Based on such short-range wireless communication, device authentication based on the user device 101 can be performed. At this time, the device authentication can be performed by comparing the device information of the user device 101 previously registered by the settlement terminal 104 with the device information read from the user device 101 by the settlement terminal 104 in accordance with the near field wireless communication have.

Thereafter, at step 506, the payment terminal 104 may forward the password and payment information entered at step 503 to the payment server 105. [ At this time, the payment terminal 104 may transmit or receive the device information received through the device authentication based on the near field wireless communication to the payment server 105 together with the password.

In step 507, the payment server 105 can perform settlement using the settlement information. Although not shown in FIG. 5, the payment server 105 can perform the settlement authentication using the transmitted password at the same time as before or at the time of settlement using the settlement information. Thereafter, at step 508, the payment server 105 may deliver the payment result to the payment terminal 104. [

5, a process in which the payment information is transmitted to the payment server 105 together with the password after the password for payment authentication is received and the user device 101 is recognized. However, the payment information is information that can be generated by the event. After the event is generated, a password for payment authentication is received, and regardless of whether the user device 101 is recognized, Or may be communicated to the payment server 105 by the payment terminal 104.

FIG. 6 is a diagram illustrating a process of generating payment information according to an embodiment of the present invention.

6 (a) shows an event providing page provided by the service providing server 103. Here, the event providing page means a page related to an event such as purchasing a product or receiving a service.

An event may occur in response to a command such as "make a payment" or "request to tie" on an event providing page linked with the service providing server 103. [ Here, the payment terminal 104 that generated the event can select "make a payment" when directly paying the cost generated by the event. Alternatively, the purchasing terminal that generated the event may select the " challenge request "to request payment to the payment terminal 104 for the cost incurred by the event.

According to Fig. 6 (a), it is assumed that the payment terminal 104 has selected "make a payment ". 6 (b), the payment terminal 104 may input detailed information related to the payment means in order for the payment terminal 104 to pay the costs incurred by the event in the event providing page. If detailed information related to the payment means is previously registered in the payment server 105, the payment terminal 104 may not input detailed information related to the payment means. Such payment means may be registered in the payment server 105 in advance in response to the registration of the user device 101. [

6A, when the purchasing terminal other than the payment terminal 104 selects the " request to touched ", the purchasing terminal transmits the telephone number, e-mail address, or messenger of the payment terminal 104, You can request a payment by entering your ID.

The payment terminal 104 corresponding to the input telephone number, e-mail address or messenger ID may then receive a message from the service provision server 103 or the message server 102, including payment information associated with the event.

Here, the payment information is for specifying a payment target, and includes details of (i) name, quantity and related options of the goods or services to be paid, (ii) identification information, (iii) ) Sales source, or (iv) purchase time.

7 is a diagram illustrating a process of performing payment authentication and device authentication according to an embodiment.

7 (a) shows a process in which the payment terminal 104 receives and displays a message including payment information. Here, the payment information may be generated in association with an event in an event providing page provided by the service providing server 103. [ The message may be delivered from the message server 102 or the service providing server 103.

6A, the payment terminal 104 and the other purchasing terminal generate an event such as a purchase of goods or a service provision in the event providing page, and send a payment request for the cost generated by the event to the payment terminal 104 ). 7 (a), the payment terminal 104 may receive a message including detailed information related to the event through a chat room or the like.

(Ii) the identification information; (iii) the amount of the sale; (iv) the billing information; (b) the billing information; Sales source, and (iv) purchase time.

At this time, the message may include link information (URL) linking to the settlement page in addition to the payment information. If the payment terminal 104 selects the link information, the payment terminal 104 can access the payment page as shown in FIG. 7 (b). In this case, the settlement terminal 104 may input detailed information related to the payment means for paying the cost generated by the event on the payment page. If detailed information related to the payment means is previously registered in the payment server 105, the payment terminal 104 may not input detailed information related to the payment means. Such payment means may be registered in the payment server 105 in advance in response to the registration of the user device 101. [

6 (b), when the settlement terminal 104 enters detailed information related to the settlement means to pay the cost generated by the event in the event providing page, the user can directly access the settlement page shown in Fig. 7 (b) without receiving the message shown in Fig. 7 (a). In this case, the settlement terminal 104 need not input detailed information related to the payment means for paying the cost generated by the event on the payment page.

Here, the payment page can display a payment amount corresponding to the cost generated by the event. The payment page may include an interface capable of receiving a password for payment authentication corresponding to the payment means. Payment terminal 104 may receive a password for payment authentication via the interface. At this time, the password may be a password of the payment means associated with the payment information or a password set in the entire payment process. Such a password can be used for payment authentication by being transmitted to the payment server 105. [

7 (c) shows a process of displaying a device authentication page displayed at the same time as the user inputs a password or sequentially. Alternatively, the device authentication page may be displayed after the payment authentication is completed in the payment server 105 based on the password entered by the user. Here, the device authentication page is a page including a phrase for inducing the user to contact the payment terminal 104 or the user terminal 101 within a predetermined distance to the payment terminal 104 to be. Then, the user can perform the device authentication by recognizing the user device 101 to the payment terminal 104 according to the short-range wireless communication method according to the phrase displayed on the device authentication page.

The device authentication is based on at least one of whether the user equipment is recognized by the payment terminal in accordance with the near field wireless communication or whether the terminal information of the user equipment identified according to the near field wireless communication matches with the pre- .

FIG. 7 (d) shows the result of the settlement based on the settlement information when the settlement authentication based on the password input by the user and the device authentication based on the recognition of the user device 101 succeed. That is, according to an embodiment of the present invention, both the payment authentication and the device authentication are performed so that the payment server 105 can finally perform settlement based on the payment information.

For example, the payment information may be transmitted to the payment terminal 104 or the service where the event is generated, before the settlement authentication and the device authentication are completed after the occurrence of the event, or (ii) May be delivered by the providing server 103.

As a result, even if the password for the payment authentication is leaked, if there is no pre-registered user device 101, the device authentication can not be completed, so that the actual payment process is not performed. That is, even if the detailed information of the payment means and the password for the payment authentication are leaked due to the mistake of the user or hacking outside, the payment process can not be completed if the user device 101 necessary for payment does not leak together. Therefore, according to the embodiment of the present invention, the security of the settlement process using the settlement terminal 104 can be improved by utilizing the user device 101 capable of short-range wireless communication in the settlement process.

The methods according to embodiments of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

101: payment terminal
102: User device
103: Payment server

Claims (17)

In the payment method performed by the payment terminal,
Receiving, via a chat room, a message including payment information corresponding to a payment request for the event in response to an event generated by a purchasing terminal, on an event providing page provided by the service providing server;
Receiving a password for payment authentication for a cost generated by the event on a payment page for performing payment authentication according to the received message;
Recognizing a user device for device authentication based on short-range wireless communication;
Receiving the settlement result for the cost from the settlement server when the payment authentication based on the password and the device authentication based on the recognition of the user equipment are completed;
Lt; / RTI >
Wherein the payment terminal is a terminal that is the same as or different from the purchase terminal,
The payment terminal,
The device information of the user equipment is read and acquired in advance according to the local area wireless communication before being recognized by the settlement terminal for the device authentication for the cost generated by the event and the obtained device information is stored in the internal memory of the settlement terminal Register,
Wherein the user equipment comprises:
Wherein the device authentication is performed when the user equipment is recognized by the payment terminal according to the near field wireless communication and the terminal information of the user equipment identified according to the near field wireless communication matches the previously registered device information. The method according to claim 1,
Wherein the user equipment comprises:
And a chip or a communication module capable of short-range wireless communication with the settlement terminal. The method according to claim 1,
Wherein the recognizing of the user equipment comprises:
Wherein the user device recognizes the user device based on the short-distance wireless communication when the user device contacts the payment terminal or the user device is within a predetermined distance. delete delete The method according to claim 1,
The payment server,
Wherein the payment is performed based on the payment information delivered from the service providing server or the payment terminal where the event occurred. The method according to claim 1,
The payment server,
(i) a payment for the cost based on the payment information delivered at any one of the time before the settlement authentication and the device authentication is completed after the occurrence of the event, or (ii) after the payment authentication and the device authentication is completed, The payment method you perform. The method according to claim 1,
The payment server,
A settlement means for accepting the payment for the cost based on at least one of the payment means input by the payment terminal, the payment means input in response to the registration of the user equipment, or the payment means registered in advance, regardless of the event, . The method according to claim 1,
Displaying the payment message associated with the event via chat room
Further comprising:
Wherein the event is generated by a payment terminal or a payment terminal and a purchase terminal different from the payment terminal. A payment terminal for performing a payment method,
A password receiving unit for receiving a password for payment authentication for a cost generated by an event;
A step of recognizing a user device for device authentication based on short-range wireless communication;
A settlement result receiver for receiving the settlement result for the cost from the settlement server when the settlement authentication based on the password and the device authentication based on the recognition of the user equipment are completed,
Lt; / RTI >
Wherein the password receiving unit comprises:
After receiving a message including payment information corresponding to a payment request for the event in response to an event generated by the purchasing terminal on the event providing page provided by the service providing server, performs payment authentication according to the received message Receive a password for payment authorization on your payment page,
Wherein the payment terminal is the same as or different from the purchasing terminal that generated the event,
The payment terminal,
The device information of the user equipment is read and acquired in advance according to the local area wireless communication before being recognized by the settlement terminal for the device authentication for the cost generated by the event and the obtained device information is stored in the internal memory of the settlement terminal Register,
Wherein the user equipment comprises:
Wherein the device authentication is performed when the user equipment is recognized by the payment terminal according to the near field wireless communication and the terminal information of the user equipment identified according to the near field wireless communication is matched with the device information registered in advance. 11. The method of claim 10,
Wherein the device recognition unit comprises:
Wherein the user terminal recognizes the user equipment based on the short-range wireless communication when the user equipment contacts the payment terminal or the user equipment approaches within a predetermined distance. 11. The method of claim 10,
Wherein the user equipment comprises:
A settlement terminal or a settlement server that is recognized in advance by the near field wireless communication and registered in the settlement terminal or the settlement server before being recognized by the settlement terminal for device authentication on the cost generated by the event. 11. The method of claim 10,
The payment server,
Wherein the settlement terminal performs settlement of the cost based on the settlement information transmitted from the service providing server or the settlement terminal in which the event occurred. 11. The method of claim 10,
The payment server,
(i) a payment for the cost based on the payment information delivered at any one of the time before the settlement authentication and the device authentication is completed after the occurrence of the event, or (ii) after the payment authentication and the device authentication is completed, A payment terminal to perform. 11. The method of claim 10,
A message display unit for displaying a payment message related to the event via the chat room
Further comprising:
Wherein the event is generated by a payment terminal or a payment terminal and a purchase terminal different from the payment terminal. In a program for processing a payment method,
The program is stored and executed in a payment terminal,
Receiving a message including payment information according to a payment request for the event in response to an event generated by a purchasing terminal in an event providing page provided by the service providing server;
Receiving a password for payment authentication for a cost generated by the event on a payment page for performing payment authentication according to the received message;
Recognizing a user device for device authentication based on short-range wireless communication;
Receiving the settlement result for the cost from the settlement server when the payment authentication based on the password and the device authentication based on the recognition of the user equipment are completed;
Lt; / RTI >
Wherein the payment terminal is a terminal that is the same as or different from the purchase terminal,
The payment terminal,
The device information of the user equipment is read and acquired in advance according to the local area wireless communication before being recognized by the settlement terminal for the device authentication for the cost generated by the event and the obtained device information is stored in the internal memory of the settlement terminal Register,
Wherein the user equipment comprises:
Wherein the device authentication is performed when the user equipment is recognized by the payment terminal according to short-range wireless communication and the terminal information of the user equipment identified according to the short-range wireless communication is matched with pre-registered device information. 17. The method of claim 16,
Displaying the payment message associated with the event via chat room
≪ / RTI >

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