KR101802771B1 - Mobile payment intermediate system - Google Patents

Abstract

The present invention relates to a mobile payment intermediating system. More specially, the system comprises: a first user terminal which installs and runs an application for intermediating mobile payment, sets use permission and use limit condition of a second user, and approves a payment from a payment commission; a second user terminal which installs and runs the application, confirms the use permission of the second user, and requests mobile payment within the use permission; a payment terminal which commissions payment to a payment intermediating server according to the mobile payment request of the second user terminal, and receives a confirmation of payment approval to process the same; and a payment intermediating server which sets information on the first user terminal, the use permission and use limit condition of the second user received from the first user terminal, and according to the payment commission of the payment terminal and the payment approval of the first user terminal, processes the payment commission by payment information of the first user. According to the present invention, the first user sets a use limit condition and performs payment after verification, in order to control second users including children to use for their purpose, such that a double security net can be established, and possible damage can be prevented.

Description

[0001] MOBILE PAYMENT INTERMEDIATE SYSTEM [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a payment mediating system, and more particularly, to a mobile payment mediating system for mediating a payment by a second user using payment information of a first user.

With the development of smart phones and network technologies, payment methods are also diversifying. However, when purchasing various goods such as goods or services, there is a limit to how to handle the goods when the person who actually purchases the goods differs from the person who pays the goods. For example, if parents require their children to buy goods, they often charge electronic money, such as T-money, to their child's payment method, or give cash or a parent's credit card directly to their children. Not only is there a risk of loss, but it can also be used where your child originally intended to be.

On the other hand, with the rapid spread of mobile devices and the development of mobile network technology, mobile payment has attracted attention. Mobile payments are increasing every day in the world, and Korea's mobile payment market is growing to exceed the growth of the online payment market despite its short history.

As a prior art related to this, Japanese Patent Application Laid-Open No. 10-2013-0097412 (entitled: Mobile card payment method and system using smartphone, published on Sep. 03, 2013), Registration No. 10-1339661 Title of the Invention: Mobile Card Payment Device Using NFC Tag and Payment System Including the Device, Date of Announcement: December 10, 2013), Published Patent Application No. 10-2009-0000614 (Title of Invention: And a computer readable recording medium having recorded thereon a program for realizing the same, the disclosure date of which is hereby incorporated by reference herein in its entirety, and a mobile payment processing system and method thereof, published on Jan. 08, 2009, Patent No. 10-1410948 June 23, 2005) and so on.

With mobile payment technology like this, it is possible to make payment conveniently in offline using a mobile device without a real card such as a credit card or a T-card. However, until now, it has been developed only for the technology that enables payment using its own credit card, etc., and the person who actually makes the payment such as the parent does not give cash or credit card directly to the person who purchases the product , And a technique for safely purchasing goods and the like has not been specifically disclosed.

The present invention has been proposed in order to solve the above-mentioned problems of the existing methods. When the second user device requests settlement within the usage right and use restriction conditions of the second user set by the first user device, The first user device receives the settlement approval of the first user device and processes the settlement with the settlement information of the first user so that the second user does not need to directly hold the cash or the first user's credit card, And it is an object of the present invention to provide a mobile settlement intermediation system capable of maximizing safety because payment approval of a first user is required for settlement.

In addition, the present invention can control the second user such as a child to use according to the use by setting the use restriction condition by the first user and proceeding the payment after the verification, And it is another object of the present invention to provide a mobile settlement intermediation system capable of allowing a first user such as a parent to use mobile settlement with a second user with peace of mind.

According to an aspect of the present invention,

A mobile payment intermediation system,

A first user terminal for installing and operating an application for mobile settlement intermediation, setting a usage right and a use restriction condition of a second user and approving payment according to a payment request;

A second user terminal for confirming a usage right of the second user by installing and driving the application, and requesting a mobile settlement within the usage right;

A settlement terminal for making a settlement request to a payment mediation server according to a mobile settlement request of the second user terminal, And

Setting a usage right and a use restriction condition of the second user input from the first user terminal and setting a usage right and a use restriction condition of the second user based on a payment request of the payment terminal and a payment approval of the first user terminal, And a payment mediation server for processing the payment request with payment information of the payment mediation server,

The settlement intermediation server,

A registration module for receiving the information of the first user terminal, the usage right of the second user and the use restriction condition from the first user terminal and registering the same;

A verification module that receives verification information from the second user terminal or the payment terminal and verifies whether the use restriction condition is satisfied;

An authority setting module for setting a usage right to the second user having completed the verification;

A payment receiving module for receiving a payment request from the payment terminal according to the payment request of the second user terminal;

A payment approval module for transmitting a payment approval request to the first user terminal, receiving approval information, and processing payment using the payment information of the first user; And

And a settlement notification module for notifying settlement approval to the settlement terminal.

Preferably, the payment mediation server includes:

And a user authentication module that receives authentication information from the first user terminal and processes user authentication.

More preferably, the user authentication module further comprises:

The first user terminal can receive biometric information from at least one biometric authentication unit selected from the group including iris recognition, face recognition, fingerprint recognition and voice recognition to authenticate the first user.

Preferably, the payment mediation server includes:

An encryption key generation module for generating an encryption key of the first user; And

Further comprising a cryptographic key authentication module for receiving the cryptographic key of the first user from the second user terminal and processing authentication,

The authority setting module may set a usage right to a second user who has completed the encryption key authentication according to the usage right of the second user.

More preferably, the cipher key includes:

The MAC address, and the Bluetooth module ID included in the information of the first user terminal, and may be encrypted according to a predetermined rule.

Preferably,

The use restriction condition is at least one selected from the group including the use period, region, temperature, humidity, and store,

The verification information may be at least one selected from a group including a current date and time, a location of the second user terminal, a current temperature, a current humidity, and a store code, and may be information capable of verifying the use restriction condition.

Preferably, the payment approval module includes:

And can receive approval information including the settlement password from the first user terminal and process the settlement.

Preferably, the rights setting module includes:

A usage right including usage availability and usage amount can be set differently according to the verification result of the verification module or the information about the usage right of the second user registered in the registration module.

According to the mobile payment intermediation system proposed in the present invention, when the second user device requests settlement within the usage right and use restriction conditions of the second user set by the first user device, The payment is processed by the payment information of the first user and it is convenient because the second user can make settlement with the payment information of the first user without having to directly hold the cash or the credit card of the first user, Since the payment approval of the first user is required, the safety can be maximized.

In addition, according to the present invention, since the first user sets the use restriction condition and conducts the settlement after the verification, the second user such as the child can be controlled to use the second user according to the use, The damage can be minimized and a first user such as a parent can safely use the mobile payment to the second user.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a mobile payment intermediary system according to an embodiment of the present invention; FIG.
FIG. 2 illustrates a detailed configuration of a settlement mediation server in a mobile settlement intermediation system according to an embodiment of the present invention. FIG.
3 illustrates a mobile settlement intermediation process using a mobile settlement intermediation system according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, in order that those skilled in the art can easily carry out the present invention. In the following detailed description of the preferred embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In the drawings, like reference numerals are used throughout the drawings.

In addition, in the entire specification, when a part is referred to as being 'connected' to another part, it may be referred to as 'indirectly connected' not only with 'directly connected' . Also, to "include" an element means that it may include other elements, rather than excluding other elements, unless specifically stated otherwise.

1 is a diagram illustrating a configuration of a mobile settlement intermediation system according to an embodiment of the present invention. As shown in FIG. 1, a mobile settlement intermediation system according to an embodiment of the present invention includes a first user terminal 100, a second user terminal 200, and the like. A payment terminal 300 and a payment mediation server 400. [

The present invention can be implemented by transmitting and receiving various signals and data through the first user terminal 100, the second user terminal 200, the payment terminal 300 and the payment mediating server 400 through the network. The network may be a wired network such as a local area network (LAN), a wide area network (WAN) or a value added network (VAN), a mobile radio communication network, , Bluetooth (Bluetooth), Wireless Broadband Internet (Wibro), High Speed Downlink Packet Access (HSDPA), and the like.

That is, the first user device accesses the settlement mediating server 400 to set the usage right and the use restriction condition of the second user, and the second user terminal 200 provided with the encryption key from the first user visits The payment terminal 300 provided in a shop or the like requests the payment mediation server 400 to settle the payment. The payment mediation server 400 having received the payment request requests payment approval to the first user terminal 100. When receiving payment approval from the first user terminal 100, the payment mediation server 400 receives the payment request of the second user from the payment information of the first user And notify the settlement terminal 300 of the settlement approval. The payment terminal 300 that has been informed of the payment approval can provide the goods or the like purchased by the second user.

The mobile payment intermediary system according to an embodiment of the present invention allows a first user who is a parent to give a second user who is a child a cryptographic key and use the cryptographic key within a use restriction condition. Therefore, even if a parent does not give a credit card directly to the child or gives cash, the parent can pay the school fee by mobile payment using the child's second user terminal 200. At this time, since the settlement uses the payment information of the first user, the actual school expenses and the like are withdrawn from the parent's account or the parent's credit card is used.

Therefore, according to the present invention, since a child can not use a credit card or cash, there is no fear of using it in another place, and a parent can directly approve payment at a remote place, and can use with confidence and can set a certain restriction condition. can do.

Hereinafter, each component constituting the mobile settlement intermediation system according to an embodiment of the present invention will be described in detail.

The first user terminal 100 may install and operate an application for mobile settlement mediation to set usage rights and use restriction conditions of the second user and approve payment according to the payment request. That is, the first user terminal 100 may be a mobile device of a first user who wants to allow a second user to make a payment using his / her payment information.

The second user terminal 200 can install and run the application to confirm the usage right of the second user and request the mobile settlement within the usage right. That is, the second user terminal 200 may be a mobile device of a second user who receives a usage right from a first user and makes a mobile settlement with payment information of a first user.

Meanwhile, the first user terminal 100 and the second user terminal 200 may be implemented as portable terminals. Here, the portable terminal is a wireless communication device that is guaranteed to be portable and mobility, and can be used as a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), a personal handyphone system (PHS) Handheld devices such as a handheld device, an assistant, an IMT (International Mobile Telecommunication) -2000, a Code Division Multiple Access (CDMA) -2000, a W-CDMA ) -Based wireless communication device, and may include a computer such as a notebook computer, a laptop, or the like equipped with a web browser (WEB Browser). In addition, it may be various smart devices such as a smart phone, a smart note, a tablet PC, a smart camera, and a wearable computer.

However, the present invention is not limited to the above-described terminals of the first user terminal 100 and the second user terminal 200 of the present invention, and may be connected to the payment mediation server 400 via the network, The first user terminal 100 and the second user terminal 200 of the present invention can play a role regardless of the specific terminal type.

The application driven by the first user terminal 100 and the second user terminal 200 may be an executable program installed by an installation program managed by an application server operated in a communication network or the like. In the present invention, the application installed in the first user terminal 100 and the application installed in the second user terminal 200 may be made different from each other, but they may be different from each other depending on whether they are the first user or the second user in the same application. But may be implemented in a form providing different functions.

The settlement terminal 300 can request settlement to the settlement mediating server 400 according to the mobile settlement request of the second user terminal 200, and can process the settlement by confirming the settlement approval. That is, the payment terminal 300 can communicate with the settlement mediating server 400 via the network to process the settlement of the second user. Here, the payment terminal 300 may be a credit card payment device provided in a shop or the like that sells goods such as goods or services to a second user, but may be an ATM capable of mobile transaction.

The payment mediating server 400 may set the information of the first user terminal 100 received from the first user terminal 100, the usage right of the second user and the usage restricting condition, And can process the payment request with the payment information of the first user according to the payment approval of the first user terminal 100. [ Hereinafter, the detailed configuration of the settlement mediating server 400 will be described in detail with reference to FIG.

FIG. 2 is a diagram illustrating a detailed configuration of the settlement mediating server 400 in the mobile settlement mediating system according to an embodiment of the present invention. FIG. 3 is a flowchart illustrating the settlement mediating server 400 using the mobile settlement mediating system according to an embodiment of the present invention. A mobile settlement intermediation process. 2, the settlement mediating server 400 of the mobile settlement intermediation system according to an embodiment of the present invention includes a registration module 420, a verification module 450, an authority setting module 460, Module 470, a payment approval module 480 and a payment notification module 490. The user authentication module 410, the encryption key generation module 430 and the encryption key authentication module 440 And the like.

Hereinafter, with reference to FIG. 2 and FIG. 3, the components of the settlement mediating server 400 in the mobile settlement intermediation system according to an embodiment of the present invention will be described in detail.

The user authentication module 410 may receive authentication information from the first user terminal 100 and process the user authentication. That is, the first user can execute the application in the first user terminal 100 for the use of the mobile settlement intermediary service, and input authentication information for identifying the user. The user authentication module 410 may process the user authentication for checking whether the first user is performed by comparing the authentication information inputted from the first user terminal 100 with the authentication method and information registered in advance for user authentication.

Particularly, the user authentication module 410 receives biometric information from at least one biometric identification selected from the group including iris recognition, face recognition, fingerprint recognition and voice recognition from the first user terminal 100, It is possible to authenticate whether or not the user is the user. As described above, in the mobile settlement intermediation system according to the embodiment of the present invention, by adopting the authentication method using biometric information instead of the general password method, it is possible to enhance the security and protect the credit of the first user.

The registration module 420 can receive the information of the first user terminal 100, the usage right of the second user, and the use restriction condition from the first user terminal 100 and register the same. The registration module 420 can set various information such that the first user who has been normally authenticated by the user authentication module 410 can use the payment information of the second user to make a mobile settlement. At this time, the registration module 420 can receive and register the second user information from the first user terminal 100, so that the registration module 420 can set a mobile payment only for the registered second user.

On the other hand, the usage right of the second user may include a second user authentication method, a usable amount, and the usage rights may be set different from each other according to the second user. Further, the use restriction condition may be at least one or more selected from the group including the usage period, region, temperature, humidity, and store. That is, the first user can safely manage his / her credit by allowing the first user to set various restriction conditions including the period in which the first user can use the credit, the area, the shop, and the like. For example, a first user, who is a parent, can set the date and time and the school (store) as a restriction condition so that a second user, who is a child, can pay the school expenses.

The encryption key generation module 430 can generate the encryption key of the first user. Here, the encryption key may be for confirming whether or not the second user is a user who is properly authorized to use the first user.

In addition, the encryption key may be generated by combining a part of codes constituting the serial number, the MAC address, and the Bluetooth module ID of the first user terminal 100, and may be encrypted according to a predetermined rule. For example, the encryption key generation module 430 can generate a code dependent on the hardware by combining a part of the serial number, a part of the MAC address, and a part of the Bluetooth module ID. In addition, a hash code may be attached to the generated code, or a cipher key may be formed by encrypting the hash code by a method predetermined by the first user.

The encryption key authentication module 440 receives the encryption key of the first user from the second user terminal 200 and can process the authentication. That is, the first user can inform the second user of the encryption key and use the mobile payment. The first user device can inform the second user of the encryption key verbally. However, the first user device can transmit the encryption key to the second user through the SMS (Short Message Service), the MMS (Multi Message Service), the push message, To the second user device.

The second user device may activate the application and input the encryption key provided by the first user to the payment mediation server 400. [ The encryption key authentication module 440 can confirm that the second user can use the payment information of the first user by using the input encryption key.

The verification module 450 receives the verification information from the second user terminal 200 or the payment terminal 300 and can verify whether the use restriction condition is satisfied. Here, the verification information may be at least one selected from the group including the current date and time, the location of the second user terminal 200, the current temperature, the current humidity, and the store code, and may be information capable of verifying the use restriction condition.

For example, if the use restriction condition is the date and time and the institute (store) to pay out the school fee, the second user terminal 200 collects the GPS position information and the shop code of the payment terminal 300 as verification information, Module 450, as shown in FIG. According to an embodiment, the verification module 450 can receive the GPS position information from the second user terminal 200 and the shop code from the payment terminal 300, respectively. The verification module 450 can verify whether the second user as a child attempts to settle in the institute within a predetermined period using the date and time when the verification information and the verification information are transmitted.

The authority setting module 460 can set the usage right to the second user whose verification has been completed. At this time, the rights setting module 460 may set the usage right to the second user whose encryption key authentication is completed according to the usage right of the second user. In addition, the authority setting module 460 may determine a usage right including the availability and the usage amount according to the verification result of the verification module 450 or the information on the usage right of the second user registered in the registration module 420 Can be set differentially.

Here, the usage right set by the authority setting module 460 may be a valid right only for a predetermined time from the completion of the verification. That is, the second user may be required to verify again in order to use at the restaurant after verification at the institute.

On the other hand, the rights setting module 460 can notify the second user terminal 200 of the contents of usage rights such as availability and usage amount through the application. Accordingly, the second user can confirm and use his or her own use rights.

The payment receiving module 470 can receive a payment request from the payment terminal 300 according to the payment request of the second user terminal 200. [ That is, when the second user terminal 200 makes a payment request to the payment terminal 300 provided in a shop or the like, the payment terminal 300 can request the settlement mediation server 400 to settle the payment. For example, when an application is executed in the second user terminal 200 and the NFC is tagged in the payment terminal 300 or the like, the payment terminal 300 can make a payment request to the payment mediation server 400. At this time, the usage right of the second user may be set by the authority setting module 460.

The payment approval module 480 may transmit a payment approval request to the first user terminal 100 and may receive the approval information and process payment using the payment information of the first user. More specifically, the payment approval module 480 can receive approval information including the payment password from the first user terminal 100 and process the payment. That is, the payment can be processed only when the first user terminal 100 receives the necessary information such as a password required for payment.

At this time, the first user transmits the payment request amount to the first user terminal 100, the store code matching the payment terminal 300 requested to be paid, and the like together with the payment approval request so that the first user can confirm the contents of the payment request of the second user . Further, it is possible to further transmit the use restriction condition, the verification result, the content of the authority setting to the first user terminal 100.

According to the embodiment, by allowing the approval information to include the payment information of the first user such as a credit card or account information to be used for payment, the first user can select the payment means desired to be used for each payment request of the second user It is possible.

Meanwhile, the payment approval module 480 receives the approval information from the first user, and can process the payment request by transmitting the payment information of the first user and the payment amount etc. to the server of the bank or the VAN company. In other words, the payment approval module 480 can process payment within the usage right of the second user in cooperation with the banking transaction system or the credit card payment system.

The payment notification module 490 may notify the payment terminal 300 of the payment approval. That is, the payment notification module 490 can notify the payment approval by transmitting an approval signal to the payment terminal 300 through the network. In a shop or the like where payment approval is notified through the payment terminal 300, a product such as an article or service can be provided to the second user.

Meanwhile, the settlement notification module 490 may transmit a settlement completion message to the first user terminal 100 or the second user terminal 200. The payment completion message may be transmitted through an application installed in the first user terminal 100 and the second user terminal 200. [

Meanwhile, the present invention may include a computer-readable medium including program instructions for performing operations implemented in various communication terminals. For example, the computer-readable medium can be any suitable medium, such as magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD ROM, DVD, Magneto-optical media and hardware devices that are specially configured to store and execute program instructions such as ROM, RAM, flash memory, and the like.

Such computer-readable media may include program instructions, data files, data structures, etc., alone or in combination. The program instructions recorded on the computer-readable medium may be those specially designed and configured to implement the present invention or may be those known to those skilled in the computer software. For example, it may include machine language code such as that produced by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like.

The present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics of the invention.

100: first user terminal 200: second user terminal
300: payment terminal 400: payment mediation server
410: user authentication module 420: registration module
430: encryption key generation module 440: encryption key authentication module
450: verification module 460: permission setting module
470: payment receiving module 480: payment accepting module
490: Payment Notification Module

Claims (6)

A mobile payment intermediation system,
A first user terminal (100) which installs and runs an application for mobile settlement intermediation, sets a usage right and a use restriction condition of a second user and approves payment according to a payment request;
A second user terminal (200) for installing and driving the application to confirm the usage right of the second user and request a mobile settlement within the usage right;
A payment terminal 300 for making a settlement request to the settlement mediating server 400 according to a mobile settlement request of the second user terminal 200, And
Setting information on the first user terminal 100 received from the first user terminal 100, a usage right of the second user and a use restriction condition, and transmitting a payment request of the payment terminal 300 and the first user And a settlement mediating server (400) for processing the settlement request with settlement information of the first user according to payment approval of the terminal (100)
The settlement mediating server 400,
The first user terminal 100 receives the information of the first user terminal 100, the second user's usage right and the use restriction condition, and registers the usage right of the second user in the second user authentication method A registration module 420 including a usable amount and being set different from each other according to a second user;
An encryption key generation module 430 for generating the encryption key of the first user;
A cryptographic key authentication module (440) receiving the cryptographic key of the first user from the second user terminal (200) and processing the authentication;
A verification module 450 receiving verification information from the second user terminal 200 or the payment terminal 300 and verifying whether the usage restriction condition is satisfied;
A rights setting module for setting a usage right for the second user whose authentication has been completed by the encryption key authentication module 440 according to the usage right of the second user, 460);
A payment receiving module (470) for receiving a payment request from the payment terminal (300) according to a payment request of the second user terminal (200);
Receives approval information including payment information of a first user selected from the group including a credit card and account information to be used for payment, transmits a payment approval request to the first user terminal 100, A payment approval module (480) for processing payment using the payment information of the first user selected by the payment user and selecting and processing the payment means desired to be used by the first user at each payment request of the second user; And
And a payment notification module (490) for notifying the payment terminal (300) of payment approval,
The rights setting module 460,
A usage right including usage availability and a usage amount is set differentially according to a verification result of the verification module 450 or information on a usage right of the second user registered in the registration module 420,
The usage rights set by the rights setting module 460 may be, for example,
And is valid only for a predetermined time from the completion of verification,
The use restriction condition includes:
At least one selected from the group consisting of the usage period, the area, the temperature, the humidity and the shop,
The verification information includes:
At least one selected from the group including the current date and time, the location of the second user terminal 200, the current temperature, the current humidity, and the store code,
The encryption key includes:
Wherein the first mobile terminal is generated by combining a part of codes constituting the serial number, the MAC address and the Bluetooth module ID included in the information of the first user terminal (100), and is encrypted according to a predetermined rule. .
The billing mediation server according to claim 1,
Further comprising a user authentication module (410) for receiving authentication information from the first user terminal (100) and processing user authentication.
3. The method of claim 2, wherein the user authentication module (410)
The first user terminal 100 receives biometric information from at least one biometric authentication unit selected from the group including iris recognition, face recognition, fingerprint recognition and voice recognition, and authenticates the first user Mobile billing brokerage system.
delete delete The method of claim 1, wherein the payment approval module (480)
And receives the approval information including the settlement password from the first user terminal (100), and processes the payment.

Images