KR102065444B1 - Apparatus for providing payment service using bank account - Google Patents

Abstract

The present invention relates to an apparatus for payment using account information, and more particularly, to a payment method using an account information that can use a payment service supported by a payment support service device using user account information, and an apparatus therefor. It is about.
To this end, the payment support service device according to an embodiment of the present invention is a service communication unit for transmitting and receiving information with one or more sales support device and payment request information corresponding to the user number information from the one of the sales support device through the service communication unit When received, the service control unit for controlling the payment approval for the payment request information is completed by proceeding the first payment approval process using the service password, the second payment approval process using the authentication number, the third payment approval process using the account password It may be configured to include.

Description

Apparatus for providing payment service using bank account}

The present invention relates to a payment method using an account information, an apparatus therefor, and more particularly, to an apparatus for payment using account information that can use a payment service supported by a payment support service device using user account information. It is about.

The contents described in this section merely provide background information on the present embodiment and do not constitute a prior art.

In recent years, mobile communication terminals such as mobile phones have become a necessity of the modern man, and has been widely spread in the form of including various functions as additional functions in addition to the original function of voice call.

Recently, a mobile payment service that provides financial services through a mobile communication terminal has been attracting attention. Mobile payment service using a mobile terminal is a conventional cash or credit card payment method is performed using a mobile terminal, by registering a number of credit cards as well as various point cards in a single mobile terminal, , Membership, coupons, earn points, etc. You can easily use a variety of features.

Also, in recent years, a simple payment service is one of the mobile payment services. The simple payment service refers to a payment service that enables a user to easily purchase a product through an application provided in the user terminal even if a credit card number is not input every time a specific product is purchased on mobile or online.

In order to use such a payment service, a user must perform a procedure for subscribing to a mobile payment service in advance. At this time, the user may register the credit card information that he or she wishes to use.

However, such a mobile payment service still operates only on a credit card basis and does not support a payment service of a wire transfer method.

Korean Laid-Open Patent No. 2006-0009404, published January 31, 2006 (Name: E-Commerce Payment Method Using Mobile Phone)

As described above, the present invention is proposed to solve the problem that the conventional mobile payment service operates only on a credit card basis and does not support a payment method of a wire transfer method, and uses a user's account information to make a payment. An object of the present invention is to provide a device for payment using account information that can perform a payment method supported by a support service device.

Payment support service apparatus according to an embodiment of the present invention for achieving the above object is a service communication unit for transmitting and receiving information with one or more sales support device; And when payment request information corresponding to the user number information is received from the one of the sales support apparatuses, the first payment approval process using the service password, the second payment approval process using the authentication number, and the account password. 3 may include a service controller configured to control a payment approval for payment request information to be completed by performing a payment approval process.

In this case, when the payment request information is received from the sales support apparatus, the service control unit transmits the payment application execution request information to the user terminal corresponding to the user number information, and uses the service password, authentication number, and account password generated through the payment application. The first payment approval process, the second payment approval process, and the third payment approval process may be controlled.

At this time, the service control unit transmits a service password input request to the user terminal corresponding to the user number information through the service communication unit, and when the service password is received from the user terminal through the service communication unit, in response to the received service password and user number information It may be determined whether the previously stored service passwords match, and if they match, it may be determined that the first payment approval process has passed.

At this time, if it is determined that the service control unit has passed the first payment approval process, the service control unit generates an authentication number, transmits the generated authentication number to the user terminal through the service communication unit, and then receives the authentication number received from the user terminal and the generated authentication. It may be determined whether the numbers match, and if they match, it may be determined that the number has passed the second payment approval process.

In this case, the authentication number may be generated based on previously stored account information corresponding to the user number information.

In addition, if it is determined that the service control unit has passed the second payment approval process, the service control unit transmits an account password input request to the user terminal through the service communication unit, and if the account password is received from the user terminal through the service communication unit, the user number information and the account. When the password is transmitted to the financial support device through the service communication unit and the payment approval message is received from the financial support device through the service communication unit, the password may be determined to have passed through the third payment approval process.

In addition, the service control unit may identify the financial support device based on the previously stored account information corresponding to the user number information, and transmit the user number information and the account password to the confirmed financial support device.

A user terminal according to an embodiment of the present invention for achieving the above object is a communication unit for transmitting and receiving information with one or more sales support device and payment support service device; And generate payment request information by accessing any one of the sales support apparatuses, and transmit the generated payment request information to a payment support service apparatus that is interoperable with the sales support apparatus through a communication unit. And a control unit controlling the first payment approval process using the service password and the second payment approval process using the authentication number and the account password to be completed.

Financial support apparatus according to an embodiment of the present invention for achieving the above object is a financial device communication unit for transmitting and receiving information with the payment support service device; A financial device storage unit for storing account information corresponding to the user number information; And payment request information including user number information and account password for any one user terminal is received from the payment support service device through the financial device communication unit, and the previously stored account information is checked in response to the user number information. In response to the comparison of the predetermined account password and the account password received from the payment support service device, if the match, the financial control to transmit the payment approval message for the payment request information to the payment support service device through the financial device communication unit; Device control unit; may be configured to include.

The payment support system according to an embodiment of the present invention for achieving the above object, when the payment request information including the user number information for any one user terminal from any one of the sales support device, receives the user terminal If the account password for the account information is received from the user terminal after performing the first payment approval process using the service password and the second payment approval process using the authentication number, the financial assistance device including the account password in the payment request information A payment support service device for transmitting to the third payment approval process in association with the financial support device; And when payment request information including user number information and an account password is received from the payment support service device, check the pre-stored account information corresponding to the user number information, and set the preset account password and the payment support service device corresponding to the account information. And a financial support device that compares the account password received from the electronic device, and transmits the payment approval message for the payment request information to the payment support service device.

A payment method using account information according to an embodiment of the present invention for achieving the above object includes the steps of receiving payment request information corresponding to the user number information from any one of the sales support device; In order to approve payment for the payment request information, the payment support service device requests a service password input to a user terminal corresponding to the user number information, and proceeds with the first payment approval process based on the service password; Passing the first payment approval process, the payment support service device generating an authentication number for the second payment approval, and performing a second payment approval process based on the authentication number; If the second payment approval process passes, requesting an account password input to the user terminal, and performing a third payment approval process based on the account password; And when the payment support service device passes the third payment approval process, completing the payment approval for the payment request information.

In this case, after receiving the payment request information, the payment support service apparatus may further include transmitting payment application execution request information to the user terminal corresponding to the user number information.

In this case, the step of performing the first payment approval process may include requesting, by the payment support service device, a service password input to a user terminal corresponding to user number information; Receiving, by the payment support service device, the service password input from the user terminal; Determining, by the payment support service device, whether or not the service password matches the previously stored service password in response to the received service password and user number information; As a result of the determination, when the received service password and the previously stored service password match, determining that the payment support service device has passed the first payment approval process may be performed.

In this case, when the first payment approval process passes, performing the user authentication based on at least one of pre-stored user terminal identification information and user personal identification information corresponding to the user number information. It can be made more inclusive.

The performing of the second payment approval process may include: generating, by the payment support service device, an authentication number based on previously stored account information in response to the user number information; Transmitting, by the payment support service device, the generated authentication number to the user terminal; Determining, by the payment support service apparatus, whether the authentication number received from the user terminal and the generated authentication number match; As a result of the determination, when the authentication number received from the user terminal and the generated authentication number coincide, determining that the payment support service device has passed the second payment approval process; may be performed.

In addition, the third payment approval process may include the step of requesting, by the payment support service device, an account password input to the user terminal; Receiving, by the payment support service device, an account password input from the user terminal; Transmitting, by the payment support service device, the user number information and the account password to the financial support device; Confirming, by the financial assistance apparatus, previously stored account information corresponding to the user number information; Determining, by the financial support device, whether the previously stored account password corresponds to the account information and the account password received from the payment support service device; As a result of the determination, when the previously stored account password matches the received account password, transmitting a payment approval message to the payment support service device; And determining that the payment support service device has passed the third payment approval process.

In addition, the present invention can provide a computer-readable recording medium recording a program for executing a payment method using the account information according to an embodiment of the present invention as described above.

According to the payment method using the account information of the present invention, an apparatus therefor, the user can subscribe to the payment service supported by the payment support service device using the account information, by using a new payment service in the account transfer method, credit Even if a user does not use a card, it is possible to easily use a payment service using a user's terminal.

Through this, the present invention can contribute to the activation of the commerce market.

1 is a configuration diagram schematically showing a payment support system according to an embodiment of the present invention.
2 is a block diagram illustrating a main configuration of a user terminal according to an exemplary embodiment of the present invention illustrated in FIG. 1.
3 is a block diagram illustrating a main configuration of an apparatus for supporting payment service according to an exemplary embodiment of the present invention illustrated in FIG. 1.
4 is a block diagram illustrating a main configuration of a sales support apparatus according to an exemplary embodiment of the present invention illustrated in FIG. 1.
FIG. 5 is a block diagram illustrating a main configuration of a financial support apparatus according to an embodiment of the present invention shown in FIG. 1.
6 is a data flow diagram illustrating a data flow between a user terminal, a sales support device, and a payment support service device in order to explain a service subscription method for payment support according to an exemplary embodiment of the present invention.
7 is a data flowchart illustrating a service subscription method for payment support according to an embodiment of the present invention.
8 is a data flowchart illustrating a payment support method using account information according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in describing in detail the operating principle of the preferred embodiment of the present invention, if it is determined that the detailed description of the related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. This is to more clearly communicate without obscure the core of the present invention by omitting unnecessary description. In addition, the present invention may be modified in various ways and may have various embodiments, but specific embodiments are illustrated in the drawings and described in detail in the detailed description, which is not intended to limit the present invention to specific embodiments. It is to be understood that all changes, equivalents, and substitutes included in the spirit and technical scope of the present invention are included.

In addition, terms including ordinal numbers, such as first and second, are used to describe various components, and are used only to distinguish one component from another component, and to limit the components. Not used. For example, without departing from the scope of the present invention, the second component may be referred to as the first component, and similarly, the first component may also be referred to as the second component.

In addition, when a component is referred to as being "connected" or "connected" to another component, it means that it may be connected or connected logically or physically. In other words, although a component may be directly connected or connected to other components, it should be understood that other components may exist in the middle, and may be connected or connected indirectly.

In addition, the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In addition, the terms "comprises" or "having" described herein are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or the same. It is to be understood that the present invention does not exclude in advance the possibility of the presence or the addition of other features, numbers, steps, operations, components, parts, or a combination thereof.

Now, the payment method using the account information according to an embodiment of the present invention, the apparatus for this will be described in detail with reference to the drawings. In this case, the same reference numerals are used for parts having similar functions and functions throughout the drawings, and redundant description thereof will be omitted.

1 is a configuration diagram schematically showing a payment support system according to an embodiment of the present invention.

Referring to FIG. 1, the payment support system 100 according to an exemplary embodiment of the present invention may include a plurality of user terminals 10, a payment support service device 20, and a communication network 30. In addition, the payment support system 100 of the present invention may include a sales support device 40 and a financial support device 50.

First, the plurality of user terminals 10 refer to a user's device capable of transmitting and receiving various data via the communication network 30 according to a user's operation. In addition, the user terminal 10 may perform voice or data communication through the communication network 30, and may provide various information with the payment support service device 20 as well as the sales support device 40 and the financial support device 50. Can send and receive The user terminal 10 of the present invention for this purpose may include a browser for transmitting and receiving information, a memory for storing programs and protocols, a microprocessor for executing and controlling various programs, and the like.

In particular, the user terminal 10 according to an embodiment of the present invention may transmit and receive various information through the communication network 30 to subscribe to the payment service provided by the payment support service device 20.

In this case, the user of the user terminal 10 may access the service page provided by the payment support service device 20 by using the user terminal 10 or another user terminal 10, and then proceed with a service subscription procedure. . In addition, service subscription may be performed through a specific service application provided by the payment support service device 20, that is, a payment application. Here, the payment application may be installed in the user terminal 10 after downloading through the application store, and may be an application running on the downloaded virtual machine when the user terminal 10 is a feature phone. have. In addition, depending on the type of service provided by the payment support service device 20, the service may be used even if the payment application in the user terminal 10 is not driven by the cloud service method.

In the state of accessing such a service page or payment application, the user may input service subscription information including account information, and the user terminal 10 transmits the input service subscription information to the payment support service device 20. The service subscription procedure may be completed by receiving a service subscription registration completion message from the payment support service device 20.

In addition, when the user terminal 10 completes the subscription to the payment service provided by the payment support service device 20, the user terminal 10 connects a specific product to the payment support service device 20 through the sales support device 40, which enables payment. You can also go through the purchase process. In this case, the product that can be ordered by the user may be intangible goods such as moving service, housework helper service, as well as articles of the type such as shoes, clothing, etc., the sales support device 40 based on the communication network 30 Any product can be ordered as long as the product is being sold.

In addition, the user may transmit and receive information with various devices including the payment support service device 20 using the plurality of user terminals 10. For example, a user may subscribe to a payment service supported by the payment support service device 20 as described above using a smart phone, and may use a sales support device (PC) using a personal computer (PC). An order for a specific product provided by 40 may be requested, and payment for the order may be performed using a payment service supported by the payment support service device 20. At this time, when the payment process for ordering a specific product provided by the sales support device 40 using a personal computer, the payment process may be performed by interworking with the user's smart phone used to subscribe to the payment service.

The payment support service device 20 serves to control and manage a payment service according to an embodiment of the present invention. In particular, the payment support service device 20 according to an embodiment of the present invention is a conventional payment support service. In order to solve the problem that the device 20 supports only the payment method based on credit card payment, based on the user's account information, the payment method based on the account transfer in connection with the financial support device 50 Will be supported.

The payment support service device 20 checks whether the user terminal 10 subscribes to the payment service in response to a request of any one of the sales support devices 40, and thus the user terminal 10 is not in a state in which the payment service is subscribed. In this case, the service subscription request message may be transmitted to the user terminal 10. Subsequently, when service subscription information including account information is received from the user terminal 10, the received account information is transmitted to the financial support apparatus 50 so as to request user authentication to be performed based on the account information. When the user authentication success message is received from the financial support device 50, by registering the service subscription information corresponding to the user terminal 10, it is possible to support the subscription service of the user.

Subsequently, after the payment support service device 20 of the present invention is completed, the payment request information of the corresponding user is received from the sales support device 40 that can be linked to the user terminal 10 of the user. Correspondingly, the user may determine whether the user approves payment based on previously stored account information, and control the payment approval to be performed.

In addition, the payment support service device 20 of the present invention may transmit and receive related information through an electronic payment settlement agent (PG) between the sales support devices 40. Here, the electronic payment settlement agent is a user (seller) of the sales support device 40 to allow the user (buyer) to use the credit card or transfer the account on the Internet for payment in the electronic commerce through the Internet shopping mall, etc. Instead, it refers to a device that provides a service that collects a fee from a credit card company or a bank that a buyer deals with, removes a certain fee, and pays the remaining amount to the seller.

In addition, the payment support service device 20 may include a value add network (VAN) server between the financial support devices 50 to transmit and receive related information. In this case, the payment support service device 20 performs payment authentication in association with the financial support device 50 according to a payment approval request from the electronic payment settlement agent on behalf of the sales support device 40, and performs a payment approval request. The financial assistance device 50 may also be transferred.

As such, the payment support system 100 according to the embodiment of the present invention may further include an electronic payment settlement apparatus (not shown) and a VAN server (not shown), but for convenience of description, the electronic payment settlement The agency device (not shown) will be described as an example of operating integrating with the sales support device 40, and the VAN server (not shown) will be described with an example of operating integrating with the payment support service device 20 as an example. Depending on the implementation, this configuration may vary.

On the other hand, the sales support device 40 refers to the device of the seller that supports the sale of various products to the user in conjunction with the payment support service device 20 according to an embodiment of the present invention. In this case, the user may access the service page provided by the sales support apparatus 40 using his user terminal 10 and request an order for a specific product. Thereafter, a payment method is designated to perform payment for the order, wherein the user uses a payment service provided by the payment support service device 20 (for example, a paypin service that the applicant is servicing) as a payment method. Can be selected and specified. Thereafter, the payment support service device 20 may complete payment by authenticating payment request information about the order.

In addition, the financial support device 50 interoperates with the payment support service device 20 to perform a payment approval process using the account information according to the payment request information of the user, and a device of a financial company that can support a payment approval process. Means.

More specific configurations and operation methods of the user terminal 10 and the payment support service device 20 will be described later, and are mounted in the user terminal 10 and the payment support service device 20 according to an embodiment of the present invention. The processor may process program instructions for executing the method according to the invention. In one implementation, this processor may be a single-threaded processor, and in other implementations, the processor may be a multithreaded processor. Furthermore, the processor is capable of processing instructions stored on memory or storage devices.

In addition, the plurality of user terminals 10 and the payment support service apparatus 20 according to an exemplary embodiment of the present invention transmit and receive various related information through the communication network 30, and the communication network 30 at this time is a communication network of various forms. This can be used.

In particular, the communication network 30 according to an embodiment of the present invention is preferably a wireless LAN (WLAN), Wi-Fi (Wi-Fi), WiBro (Wibro), WiMAX (Wimax), HSDPA (High Speed Downlink Packet Access) Various information can be transmitted and received using a wireless communication method. However, the present invention is not limited thereto, and wired communication methods such as Ethernet, xDSL (ADSL, VDSL), Hybrid Fiber Coaxial Cable (HFC), Fiber to The Curb (FTTC), and Fiber To The Home (FTTH) are used. Can be. Further, in addition to the above-described communication method, it may include all other types of communication methods that are well known or developed in the future.

In addition, the payment support system 100 according to an embodiment of the present invention may transmit and receive information by using a wireless communication method and a wired communication method. For example, information may be transmitted and received between the user terminal 10 and the payment support service device 20 or the sales support device 40 by using a wireless communication method, and the payment support service device 20 and the sales support device 40 may be used. Alternatively, information may be transmitted and received between the financial support devices 50 using a wired communication method.

Hereinafter, the main configuration and operation method of the user terminal 10 according to an embodiment of the present invention.

2 is a block diagram illustrating a main configuration of a user terminal according to an exemplary embodiment of the present invention illustrated in FIG. 1.

1 and 2, a user terminal 10 according to an exemplary embodiment of the present invention may include a communication unit 11, a control unit 12, an input unit 13, a storage unit 14, a display unit 15, and a sound source output. It may be configured to include a portion (16).

In more detail with respect to each component, the communication unit 11 serves to support the transmission and reception of various devices and related information, including the payment support service device 20, the sales support device 40 through the communication network (30). In particular, the communication unit 11 according to an embodiment of the present invention transmits the service subscription information generated under the control of the control unit 12 to the payment support service device 20, and the payment support service device 20. ) Can receive a service subscription registration complete message. In addition, the communication unit 11 according to an embodiment of the present invention may transmit and receive various information related to the payment request information of the user from the sales support device 40 that can interoperate with the payment support service device 20. For example, the communication unit 11 may transmit payment request information to the sales support apparatus 40, and may receive various information for performing payment in response to the payment request information from the sales support apparatus 40. In addition, the communication unit 11 of the present invention is responsible for the transmission and reception of various information generated between the payment support service device 20 and the sales support device 40.

The controller 12 performs overall control of the user terminal 10, and at least one processor including a central processing unit (CPU) / microprocessor unit (MPU) and at least one memory loading data are loaded in hardware. It may include a running memory (for example, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting at least one or more data to the processor and the memory. In addition, a predetermined program routine or program loaded into the execution memory from a predetermined recording medium and executed by the processor to perform a function defined in the user terminal 10 (eg, payment processing) by software. Including data. In other words, the function of the control unit 12 is a component that can be processed in software among the function configuration provided in the user terminal 10 to process the payment service and the service subscription method for supporting the same according to an embodiment of the present invention. Judging by

Such, the control unit 12 of the present invention is functionally connected with at least one component provided to support the payment service according to an embodiment of the present invention. That is, the controller 12 is functionally connected to the communication unit 11, the input unit 13, the storage unit 14, the display unit 15, and the sound source output unit 16, and supplies power to each of the components and performs a function. It is to control the flow of the signal for.

In particular, the control unit 12 according to an embodiment of the present invention generates payment request information for a product purchase through the sales support device 40 by using the payment service provided by the payment support service device 20, and corresponds to the corresponding information. You can control the payment process.

First, the controller 12 according to an embodiment of the present invention may control a service subscription process in order to use a payment service provided by the payment support service device 20.

More specifically, first, the controller 12 may control a process of accessing a predetermined service page provided by the sales support apparatus 40 in order to purchase a specific product at the user's request. Here, the sales support device 40 is a device of a seller who operates a mobile shopping mall or an online shopping mall, and the control unit 12 displays a predetermined service application or a web page on a predetermined service page provided by the sales support device 40. Through the display unit 15 by controlling various information for driving the service page from the sales support device 40.

Then, the controller 12 may control a process of transmitting the payment request information generated through the input unit 13 to the sales support apparatus 40 through the communication unit 11 at the user's request. In this case, the payment request information may include product information, product quantity information, product total amount information, and payment means information.

In this case, the payment means information may be payment means information supported by the payment support service device 20, the sales support device 40 is the payment means information supported by the payment support service device 20 If it is determined whether the payment means information is payment means information supported by the payment support service apparatus 20, the user number information input request message is transmitted to the user terminal 10.

The control unit 12 of the user terminal 10 receiving the request provides the user number information input request corresponding to the user number information input request message to the user through the display unit 15 and the sound source output unit 16, and input unit ( 13, the process of transmitting the user number information generated through the sales support apparatus 40 may be controlled. Here, the user number information is information for identifying the user terminal 10, and preferably may be a phone number of the user terminal 10. In addition, the user terminal 10 which transmits the payment request information generated according to the user's request to the payment support service device 20 through the communication unit 11 may be a terminal to which user number information such as a unique phone number is set. And a user number information such as a personal computer of the user is not set. In this case, when the user terminal 10 that transmits the payment request information to the payment support service device 20 is a terminal for which user number information is set, the controller 12 inputs user number information from the payment support service device 20. When the request message is received, the display unit 15 provides the user with the display unit 15 and the sound source output unit 16 to perform confirmation of the user's confirmation, and inputs the user number information from the user through the input unit 13 described above. May be controlled to be omitted, and the process of receiving confirmation by the user may also be omitted.

When the user number information is received from the user terminal 10, the sales support device 40 receiving the user number is linked with the payment support service device 20 based on the user number information, and the user of the user terminal 10 makes a payment. It is determined whether the user is subscribed to the payment service provided by the support service device 20. As described above, the user number information is preferably user number information of the user terminal 10, that is, a phone number. However, the user number information is not limited thereto and may use various information for identifying a user.

In addition, when the user of the user terminal 10 is a user subscribed to the payment service provided by the payment support service device 20, the control unit 12 is linked to the payment support service device 20 to the payment request information. Therefore, the payment process is controlled. On the other hand, if the user of the user terminal 10 is not a user subscribed to the payment service provided by the payment support service device 20, the control unit 12 is connected to the payment service provided by the payment support service device 20. You can control the process of joining.

The payment process will be described later, and the process of subscribing to the payment service will be described first.

That is, the controller 12 includes payment application address information from the payment support service device 20 through the communication unit 11 when the user is not a user subscribed to the payment service provided by the payment support service device 20. The service subscription request message may be received. Here, the service subscription request message is described as an example of being received from the payment support service device 20, but is not limited thereto. The service subscription request message may be received from the sales support device 40 that is interoperable with the payment support service device 20. . In addition, the service subscription request message may be in the form of a short message service (SMS), a multimedia message service (MMS), an instant message service, or the like.

Upon receiving this, the control unit 12 controls a process of downloading and installing the payment application after accessing a service page provided by a separate server (not shown) capable of downloading the payment application according to a user's request. Can be. Here, the service page for downloading the payment application may be a service page such as an application store. In addition, when a service subscription request message is received from the payment support service device 20, the controller 12 determines whether a payment application is stored in the storage unit 14, and when the payment application is stored, The download and installation process of the payment application may be controlled to be omitted, and may be controlled so that only a process of subscribing to a payment service to be described later may be performed.

Then, the control unit 12 performs a process of subscribing to a payment service provided by the payment support service device 20 through the payment application.

In more detail, the control unit 12 controls the installation of the payment application is completed. Thereafter, the controller 12 induces a user input according to the service subscription procedure displayed through the payment application, and transmits the input information to the payment support service device 20. First, the controller 12 controls a process in which the payment service terms and conditions provided by the payment support service device 20 are displayed through the display unit 15 through a payment application. Then, if the user checks that the user agrees to the terms and conditions through the input unit 13, the control unit 12 transmits it to the payment support service device 20, and controls to perform the phone number authentication process during the user authentication process Done. That is, the phone number authentication screen through the payment application is controlled to be displayed through the display unit 15, and the control unit 12 transmits the carrier information and the phone number information input through the input unit 13 to the payment support service device 20. The transmission process can be controlled. At this time, if the user terminal 10 according to an embodiment of the present invention is a terminal (eg, a mobile phone) in which the phone number information is set, the controller 12 checks the communication company information and the phone number information, and confirms the confirmed communication company information. After controlling the phone number information to be displayed through the display unit 15, even if the user does not enter any other carrier information and phone number information, only the confirmation completion information is inputted, and the input confirmation completion information is entered into the payment support service device 20 may be controlled to be transmitted.

Thereafter, the controller 12 may receive an authentication number from the payment support service device 20. At this time, the authentication number may be received in the form of a short message, and the user who confirms this inputs the authentication number on the payment application so that the phone number authentication process is performed during the user authentication process. In addition, as described above, when the user terminal 10 of the present invention is a terminal set with phone number information, the controller 12 immediately displays the authentication number received from the payment support service device 20 on the payment application. If only the confirmation completion information is input, even if the user does not input the authentication number, the user can control the input confirmation completion information and the authentication number to be transmitted to the payment support service device 20. In addition, when the user terminal 10 is a terminal for which no phone number information is set, an authentication number is received from the payment support service device 20 to another user terminal (for example, a mobile phone), and the user who confirms the When the authentication number is input on the payment application, the controller 12 may control the input authentication number to be transmitted to the payment support service device 20.

Through this process, if the phone number authentication is successful, the control unit 12 may control the real name verification and the name verification process proceeds during the user authentication process. At this time, the control unit 12 controls a process in which the request information is displayed through the display unit 15 so that the user name and social security number information necessary for real name verification is input, and when the user name and social security number information are input through the input unit 13, The controller 12 may transmit the input information to the payment support service device 20 to perform a real name checking process. In addition, the payment support service apparatus 20 may determine whether or not the user of the user terminal 10 that has received the authentication number and the user corresponding to the social security number information match, and may proceed to verify the name holder.

After this process, when the user authentication process is completed, the control unit 12 controls the process of displaying the service password input screen through the display unit 15. Here, the service password is a password designated by the user to use the payment service in the future. When the service password is input from the user through the input unit 13, the service password may be transmitted to the payment support service device 20.

Then, the controller 12 controls to display the account information input screen through the display unit 15 in order to use the account information-based payment service according to an embodiment of the present invention. Thereafter, when the account information is input from the user through the input unit 13, the controller 12 controls the input account information to be transmitted to the payment support service device 20 through the communication unit 11.

Here, the account information may include at least one of bank information, account number information, and account password information, and the input account information may be one or more. In addition, the payment support service apparatus 20 may support registration of only one account information according to a system implementation method, and may control a process of changing to another account information after registering account information.

Through this process, the user may complete the subscription to the payment service provided by the payment support service device 20 using the user terminal 10, and a service subscription registration completion message is received from the payment support service device 20. Then, information related to registered account information may be displayed on the payment application. In this case, the payment application may be displayed in the form of a predefined icon.

Hereinafter, a process of controlling the payment process by using the payment service provided by the payment support service device 20 by the control unit 12 according to an embodiment of the present invention will be described.

First, as described above, the controller 12 may control a process of accessing a predetermined service page provided by the sales support apparatus 40 to purchase a specific product according to a user's request. Here, if the above-described payment service subscription process is performed in the state of being directly connected to a predetermined service page provided by the sales support device 40, the payment service subscription process is terminated and the control unit 12 again supports the sale. The screen may be controlled to change a screen to a predetermined service page provided by the device 40, in particular, a service page for generating payment request information.

Thereafter, the controller 12 controls the payment request information generated in response to a user's request to be transmitted to the payment support service device 20. Subsequently, when payment application execution request information is received from the payment support service device 20, the controller 12 executes the payment application. Then, the controller 12 displays a service password input screen through the display unit 15. It may be controlled to be displayed, and a process of transmitting the service password input through the input unit 13 to the payment support service device 20 may be controlled.

Thereafter, the control unit 12 may receive and display a list of previously registered account information from the payment support service device 20 through the communication unit 11, and display the account information selected by the user from the list. ) Can be controlled. If only one registered account information exists, the above process may be omitted.

Subsequently, when the account information is selected, the control unit 12 may receive an authentication number from the payment support service device 20, and the user inputs the authentication number as the user who confirms the information enters the authentication number into the authentication number input box on the payment application. The number may be transmitted to the payment support service device 20. In this case, the user may input an account password corresponding to the selected account information together, and the controller 12 may control the input account password to be transmitted to the payment support service device 20 together with the authentication number.

In addition, as described above, the control unit 12 may control the authentication number received from the payment support service device 20 to be immediately displayed on the payment application. Only the confirmation completion information may be controlled to be transmitted to the payment support service device 20.

When the payment approval for the payment request information is completed, the controller 12 receives the payment approval message from the payment support service device 20 or the sales support device 40 through the communication unit 11, thereby ordering the user. You will complete the payment for.

In order to perform such an operation, the controller 12 may include an application control module 12a. The process of downloading and installing a payment application in connection with the payment support service device 20 may be performed through the payment application. The process of subscribing to a service and completing a payment for an order request through the payment application may be controlled. In addition to the application control module 12a, the controller 12 may further include a separate module for controlling a process of generating payment request information by accessing the sales support device 40 and the like.

The input unit 13 transmits a variety of information such as numeric and text information input from a user, a signal input in connection with various function settings and function control of the user terminal 10, to the controller 12. In particular, the input unit 13 of the present invention supports various user inputs generated from a user for transmitting and receiving information with the payment support service device 20 and the sales support device 40.

In this case, when the input unit 13 is configured in the form of one touch panel (or touch screen) together with the display unit 15 to be described later, the user's touch input on the touch panel may be sensed. In addition, the input unit 13 may include at least one of a key input means such as a keyboard or a keypad, a touch input means such as a touch sensor or a touch pad, a voice input means, a gyro sensor, a geomagnetic sensor, an acceleration sensor and a proximity sensor, and a camera. It may include a gesture input means that comprises.

In addition, it may include all types of input means that are currently under development or may be developed in the future.

The storage unit 14 may temporarily store various data generated during execution of the application program, including an application program required for operating a function according to an exemplary embodiment of the present invention. In addition, the storage unit 14 may temporarily or permanently store various information generated by the transmission and reception of information with the payment support service device 20 and the sales support device 40.

The storage unit 14 may largely include a program area and a data area. The program area stores information related to driving the user terminal 10 such as an operating system (OS) for booting the user terminal 10. The data area is an area in which data generated according to the use of the user terminal 10 is stored, and information transmitted and received between the payment support service device 20 and the sales support device 40 may be stored. The storage unit 14 may be a flash memory, a hard disk, a memory of a multimedia card micro type (for example, SD or XD memory, etc.), a RAM, a ROM, or the like. ROM) and a storage medium.

The display unit 15 displays information on a series of operation states and operation results that occur during the functioning of the user terminal 10. In particular, the display unit 15 of the present invention may display various information generated between the payment support service device 20 and the sales support device 40.

As described above, the display unit 15 may be implemented in the form of a single touch panel (or touch screen) together with the input unit 13. In addition, the display unit 15 of the present invention is a liquid crystal display (LCD), a thin film transistor LCD (TFT-LCD), organic light emitting diodes (OLED), a light emitting diode (LED), an active matrix organic LED (AMOLED), flexible The display may be configured as a flexible display and a three-dimensional display. Some of these displays may also be configured to be transparent or light transmissive so that they can be seen from the outside. It may be configured in the form of a transparent display including a transparent OLED (TOLED).

The sound source output unit 16 may convert the sound source, which is an electrical signal, into an analog signal and output the analog signal. The sound source output unit 16 supports the output of various information generated between the payment support service device 20 and the sales support device 40. Do this.

As described above, main components of the user terminal 10 have been described with reference to FIG. 2. However, not all components illustrated in FIG. 2 are essential components, and the user terminal 10 may be implemented by more components than the illustrated components, and the user terminal 10 may be implemented by fewer components. ) May be implemented. In addition, the position of the main components of the user terminal 10 shown through FIG. 2 may of course be changed for convenience or other reasons.

The user terminal 10 according to the embodiment of the present invention may be implemented in various forms. For example, the user terminal 10 may be a user such as a smart phone, a tablet PC, a personal digital assistant (PDA), a mobile internet device (MID), a portable multimedia player (PMP), or an MP3 player. The portable terminal of the portable can be used. However, the present invention is not limited thereto, and a fixed terminal such as a smart TV, a desktop computer, or the like may be used. In addition, the user terminal 10 according to an embodiment of the present invention may be used simultaneously in the form of a plurality of different terminals mixed. For example, the user terminal performing the payment service subscription may be a smartphone, and the user terminal generating the payment request information may be a desktop computer.

The user terminal 10 of the present invention can not list all the variations of the portable device according to the convergence (convergence) trend of the digital device, but the unit of the same level as the above-mentioned units according to the present invention The terminal may be used as the user terminal 10, and any device may transmit or receive information to and from the payment support service device 20 and the sales support device 40 through the communication network 30. 10) is applicable.

Hereinafter, the main configuration and operation method of the payment support service apparatus 20 according to an embodiment of the present invention will be described.

3 is a block diagram illustrating a main configuration of an apparatus for supporting payment service according to an exemplary embodiment of the present invention illustrated in FIG. 1.

1 and 3, the payment support service apparatus 20 according to an exemplary embodiment of the present invention may include a service communication unit 21, a service control unit 22, and a service storage unit 23.

First, the service communication unit 21 performs a role of transmitting and receiving information with a plurality of user terminals 10, a plurality of sales support devices 40 and the financial support device 50. The type of information transmitted and received by the service communication unit 21 may be more clearly understood through the operation of the service control unit 22.

The service control unit 22 performs overall control of the payment support service device 20 according to an embodiment of the present invention. In particular, the service control unit 22 according to an embodiment of the present invention may be an account of the user terminal 10. It controls the information-based payment service subscription process and account information-based payment process.

In more detail, first, the process of subscribing to the payment service supported by the service controller 22 by the user terminal 10 will be described.

The service controller 22 may receive a query request about whether the user terminal 10 subscribes to the payment service from the sales support device 40 to which the user terminal 10 is connected through the service communication unit 21. have.

At this time, the service control unit 22 receives a query request about whether to subscribe to a service together with the user number information from the sales support device 40, wherein the user number information is a user terminal 10 capable of identifying a user. It means the phone number of.

Upon receiving this, the service control unit 22 confirms whether to subscribe to a payment service based on the user number information, and if it is confirmed that the service is subscribed to the payment service, the service control unit 22 may transmit a service subscription confirmation message to the sales support apparatus 40. When the payment request information generated by the user terminal 10 is received from the sales support device 40, the payment application execution request may be transmitted to the user terminal 10 to control the payment approval process.

The operation process described above will be described later. When the service controller 22 confirms whether the user terminal 10 subscribes to the payment service on the basis of the user number information, if it is confirmed that the user does not subscribe to the payment service, the sales support The service non-subscription confirmation message may be transmitted to the device 40, and the process for subscribing to the payment service of the user terminal 10 may be performed.

To this end, the service control unit 22 first transmits a service subscription request message including payment application address information to the user terminal 10 through the service communication unit 21. Here, the service subscription request message may be transmitted to the user terminal 10 in the form of a short message service (SMS), but is not limited thereto and may be transmitted to the user terminal 10 in various forms such as an e-mail and an instant message. Can be.

The service subscription request message may be a callback URL message including access URL information of a server capable of downloading the payment application, and the payment application may be connected through a callback URL message (WAP; Wireless). Application Protocol page.

In other words, after receiving the service subscription request message, the user terminal 10 accesses a service page provided by a separate server (for example, an application store) that can download the payment application according to a user's request. The process of downloading and installing the application can be performed.

When the payment application installation process is successfully completed, the user terminal 10 may generate service subscription information according to the information displayed through the payment application. In other words, according to the information displayed through the payment application, the user of the user terminal 10 can check whether or not to agree to the payment service terms and conditions, perform a phone number authentication process during the user authentication process, If the number authentication process is successful, a real name verification process may be performed. If the real name verification process is successful, a service password is input. In addition, a user may input account information to be used through a payment service provided by the payment support service device 20.

The user terminal 10 may transmit information generated in real time to the payment support service device 20 through the above process, and the service control unit 22 of the payment support service device 20 receiving the received information may transmit information to the transmitted information. The corresponding processing result, that is, the authentication number for the phone number authentication, real name verification result information, and the like can be controlled to be transmitted to the user terminal 10 in real time.

As such, when service subscription information including account information is received from the user terminal 10, the service controller 22 transmits the service subscription information including the account information to the financial support device 40 corresponding to the account information. And then perform an end user authentication step.

Here, the service subscription information may include various information input from the user in addition to the account information as described above, even if not input from the user, user number information (eg, a phone number) for user identification, user terminal identification information (Eg, terminal unique identification information such as an electronic serial number (ESN)), user personal identification information (for example, user social security number), and the like.

When the service control unit 22 transmits the service subscription information including the account information, the service control unit 22 preferably transmits user personal identification information to perform user authentication through the financial support device 50. You can ask.

The financial support apparatus 50 which has received this may perform user authentication by comparing the user personal identification information registered in correspondence with the account information with the user personal identification information received from the payment support service apparatus 20. If the user authentication is successful, the authentication success message is transmitted to the payment support service device 20.

Upon receiving the authentication success message from the financial support device 50, the service control unit 22 of the payment support service device 20 corresponds to the account information, user number information of the user terminal 10, user terminal identification information, Among the user personal identification information, any one information for identifying a user may be mapped and stored.

In addition, the service controller 22 may map and store one or more account information corresponding to one piece of information for identifying a user, or control to map and store only one account information.

Through this process, when the payment service subscription process of the user terminal 10 is completed, the service control unit 22 transmits a registration completion message to the user terminal 10.

Hereinafter, a process for approving payment will be described. As described above, when a payment service subscription request query request is received for any one user terminal 10 from any one of the sales support apparatus 40, the service controller 22 may settle the payment of the user terminal 10. If the service subscription is confirmed, and the user terminal 10 is confirmed to have subscribed to the payment service, the service support confirmation message 40 may be sent to the service support confirmation message.

Thereafter, the service controller 22 may receive payment request information from the sales support device 40, and control a process of temporarily storing the received payment request information in the service storage unit 23.

Thereafter, the service control unit 22 transmits a payment application execution request to the user terminal 10, and the user terminal 10 receiving the payment application according to the payment application execution request is described with reference to FIG. 2. It can control the process that is executed.

When the service control unit 22 determines that the payment application is executed in the user terminal 10, the service control unit 22 may transmit request information so that a service password input is made from the user through the payment application in order to use the payment service through the payment application. have.

When the user who confirms this enters the service password, the user terminal 10 transmits the input service password to the payment support service device 20, and the payment support service device 20 receiving the received service password is the payment service. The user authentication is performed by determining whether the service password is registered at the time of subscription, and when the user authentication is successful, the previously stored account information list is transmitted to the user terminal 10.

Thereafter, the service controller 22 may receive a selection input for specific account information from the user terminal 10 and temporarily store the selected account information. In this case, when there is only one account information previously stored corresponding to the user terminal, the process of receiving the selected account information from the user terminal 10 and storing it may be omitted.

Thereafter, the service controller 22 generates an authentication number to perform the next authentication process. In this case, the authentication number may be generated based on previously stored account information.

When the authentication number generation is completed, the service control unit 22 transmits the generated authentication number to the user terminal 10, and the user who confirms the authentication number may input the authentication number through an input field of a payment application. When the number input is confirmed, the user terminal 10 transmits the input authentication number to the payment support service device 20.

The service control unit 22 of the payment support service device 20 that has received this compares the authentication number received from the user terminal 10 with the generated authentication number, and if it matches, the service control unit 22 determines the user terminal. You may request to enter the account password at (10).

Here, the process of requesting the input of the account password and the request of inputting the authentication number may be simultaneously performed.

Then, when the account password is received from the user terminal 10, the service control unit 22 transmits the user number information and the account password to the financial support device 50 corresponding to the account information.

The financial support device 50 that receives this checks the previously stored account information corresponding to the user number information, and the previously stored account password and the account password received from the payment support service device 20 in correspondence with the account information. By comparing these, it can be determined whether they match.

In this case, when the account password is matched, the financial support device 50 determines that the user is a normal user, proceeds with payment approval according to the payment request information received from the payment support service device 20, and in the corresponding account. The amount is withdrawn according to the payment amount information included in the payment request information and transmitted to the payment support service device 20, and the payment support service device 20 receiving the payment is transferred to the corresponding sales support device 40. Can be controlled.

In addition, the service controller 22 according to an embodiment of the present invention may control to encrypt and transmit the information when transmitting and receiving various information generated during the above-described operation.

For example, when the service control unit 22 receives the service subscription information including the account information from the user terminal 10 when controlling the payment support service subscription process of the user terminal 10, the financial support apparatus corresponding to the account information corresponding thereto. The account information can be encrypted using the public key of 50, that is, the public key of the bank, and signed by the private key of the payment application.

Thereafter, the service controller 22 controls the service subscription information including the account information to be transmitted to the financial support device 50 so that user authentication using the account information is performed (preferably the account information and social security number. It can be controlled to be transmitted to the financial support device 50 including only information that can identify the user, such as, and terminal information to be used in the payment support service, such as the user's telephone number.

Receiving this, the financial support device 50 decrypts the account information using the bank secret key and verifies the signature using the payment application public key. Subsequently, when user authentication using the account information is performed and the authentication is successful, the account information may be matched with the user number information and stored.

Thereafter, as the payment request information is received from the sales support apparatus 40, the service controller 22 may control the payment approval process as described above to proceed. At this time, the user terminal 10 after signing the user number information with the user number information (for example, telephone number) and the payment application secret key of the user terminal 10, in order to receive the authentication number from the payment support service device 20 This is transmitted to the payment support service device 20.

The service control unit 22 of the payment support service device 20 that receives this generates an authentication number using an authentication master key. Thereafter, the service controller 22 encrypts the generated authentication number with the payment application public key, signs the secret key of the payment support service device 20, and transmits the authentication number to the user terminal 10. The user terminal 10 receives the decryption of the authentication number with a payment application secret key, and verifies a signature using the public key of the payment support service apparatus 20.

Thereafter, when the user terminal 10 confirms the input of the authentication number from the user (in the case of web payment, the user checks the authentication number provided to the mobile terminal of the registered user at the time of subscription to the payment support service, and then through the payment authentication window). The authentication number may be input, and when the mobile payment is performed using a mobile terminal of a registered user when subscribing to a payment support service, the authentication number is immediately displayed on a payment application, and only a procedure for confirming the same may be performed.) The user terminal 10 encrypts the public key of the payment support service device 20, and the account password inputted by the user is encrypted with the public key of the corresponding bank and transmitted to the payment support service device 20.

The service control unit 22 of the payment support service device 20 receives the decryption of the authentication number with the secret key of the payment support service device 20, verifies the authentication number, and discloses the payment request information of the bank. Encrypted with a key, and controls the encrypted payment request information and the account password (already encrypted with the public key of the bank) received from the user terminal 10 to be transmitted to the financial support device (50). The financial support device 50 may receive the payment request information and the account password by using a bank secret key, and then verify the account password.

The encryption and decryption process for using the payment service in the user terminal 10 may be more accurately performed through the payment application of the user terminal 10.

In order to perform the above-described operation, the service controller 22 supports a payment processing module 22a for controlling a payment approval process and a service subscription of a user, and a service management module for storing and managing service subscription information of the user. And 22b.

As described above, the service storage unit 23 stores various information generated according to the operation of the service control unit 22. For example, the service subscription information 23a registered in correspondence with the user terminal 10 may be stored and managed. The service storage unit 23 may be a single storage in the payment support service device 20, and may be located outside the payment support service device 20, and may be an independent type capable of transmitting and receiving data with the payment support service device 20. It can also be a data storage server.

The main configuration and operation method of the payment support service device 20 according to the embodiment of the present invention have been described above.

The payment support service device 20 as described above has the same configuration as a conventional web server or a network server in hardware. However, software includes program modules implemented through languages such as C, C ++, Java, Visual Basic, Visual C, and the like. The payment support service device 20 may be implemented in the form of a web server or a network server, which is generally connected to an unspecified number of clients and / or other servers through an open computer network such as the Internet, It refers to a computer system that receives a request to perform a web server's work and derives and provides a work result thereof, and a computer software (web server program) installed therefor. However, in addition to the above-described web server program, it should be understood as a broad concept including a series of application programs (Application Program) operating on a web server and in some cases various databases built therein. The payment support service device 20 is a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, UNIX, Macintosh, and the like for general server hardware. It can be implemented by using, and representative examples may be a website (Website) used in the Windows environment, Internet Information Server (IIS) and CERN, NCSA, APPACH used in the Unix environment.

In addition, the payment support service device 20 of the present invention may be implemented as one or more servers operating in a cloud manner. In particular, the information transmitted and received through the payment support system 100 may be provided through a cloud computing function that may be permanently stored in a cloud computing device on the Internet. Here, cloud computing utilizes Internet technologies in digital terminals such as desktops, tablet computers, laptops, netbooks, and smartphones to virtualize information technology (IT) resources such as hardware (servers, storage, networks, etc.) and software. It refers to a technology that provides services on demand (database, security, web server, etc.), services, and data. In the present invention, all information transmitted and received between the user terminal 10 and the payment support service device 20 and the sales support device 40 and the financial support device 50 to be described below are stored in a cloud computing device on the Internet. Can be sent anytime, anywhere.

Hereinafter, a main configuration and an operation method of the sales support apparatus 40 and the financial support apparatus 50 according to the embodiment of the present invention will be described.

First, the main configuration and operation method of the sales support device 40 according to an embodiment of the present invention will be described with reference to FIG.

4 is a block diagram illustrating a main configuration of a sales support apparatus according to an exemplary embodiment of the present invention illustrated in FIG. 1.

1 and 4, the sales support apparatus 40 according to an exemplary embodiment of the present invention may include a sales device communication unit 41, a sales device control unit 42, and a sales device storage unit 43. have.

First, the sales device communication unit 41 performs a role of transmitting and receiving various information with the one or more user terminals 10 and the payment support service device 20 under the control of the sales device control unit 42.

The sales device controller 42 performs overall control of the sales support device 40 according to an embodiment of the present invention and may control a specific product purchase process of the user using the user terminal 10. .

More specifically, when the connection of any one user terminal 10 is confirmed, the sales device controller 42 provides a predetermined service page for product sales to the user terminal 10. In this case, the sales device controller 42 may provide a self-made web page or a swap page to the user terminal 10, and a service page linked with an intermediary shopping mall site that is widely known as an open market to the user terminal 10. Can provide.

Subsequently, when payment request information is received from the user terminal 10 through the service page, the sales device controller 42 determines whether the payment request information includes payment means information supported by the payment support service device 20. Determine whether or not. As a result of the determination, when payment means information supported by the payment support service device 20 is not included, for example, in the case of a general credit card payment, a payment approval process for the payment request information may be performed according to a predetermined decision.

On the other hand, when the payment request information includes payment means information supported by the payment support service device 20, the sales device controller 42 subscribes to the service of the user terminal 10 by the payment support service device 20. Inquire about whether or not. To this end, the sales device controller 42 may control the user number information of the user terminal 10 to be transmitted to the payment support service device 20.

Subsequently, when a service subscription confirmation message is received from the payment support service device 20, the sales device controller 42 may transmit payment request information to the payment support service device 20 to request a payment approval process. .

On the other hand, when the service non-subscription confirmation message is received from the payment support service device 20, the sales device controller 42 may control the service subscription request message to be transmitted to the user terminal 10.

The merchandise storage unit 43 stores one or more pieces of information generated when the above operation is performed.

In the above, the main configuration and operation method of the sales support device 40 according to an embodiment of the present invention has been described.

Hereinafter, with reference to FIG. 5, the main configuration and operation method of the non-oil support device 50 according to an embodiment of the present invention.

FIG. 5 is a block diagram illustrating a main configuration of a financial support apparatus according to an embodiment of the present invention shown in FIG. 1.

1 and 5, the financial support device 50 according to the embodiment of the present invention may include a financial device communication unit 51, a financial device control unit 52, and a financial device storage unit 53. have.

Among these, the financial device communication unit 51 performs a role of transmitting and receiving various information with the payment support service device 20 under the control of the financial device control unit 52 which will be described later.

The financial device controller 52 performs overall control of the financial support device 50 according to an embodiment of the present invention. In connection with the payment support service device 20, the financial device control unit 52 processes the subscription service of the user terminal 10 and Control of the payment approval process may be performed.

In other words, when service subscription information including account information is received from the payment support service device 20, the financial device controller 52 performs user authentication using the account information. In this case, the service subscription information includes user personal identification information such as a user social security number (preferably, the payment support service device 20 extracts only account information, the user personal identification information, and user number information from the service subscription information. Can be transmitted to the financial support device 50), the financial device control unit 52 compares the user personal identification information previously stored in response to the account information and the user personal identification information included in the service subscription information, the user authentication And control the transmission of the result to the payment support service device 20. In this case, when the user authentication is successful, the financial device controller 52 may store user number information corresponding to the account information.

When the payment request information, the user number information, and the account password are received from the payment support service device 20, the financial device controller 52 checks the previously stored account information in response to the user number information. In response to the pre-stored account password and the account password received from the payment support service device 20 after checking, if the match, the payment request for the payment request information is controlled to be made.

Then, the financial device controller 52 may transmit a payment approval message to the payment support service device 20, and control a process of withdrawing the corresponding amount from the account information according to the payment request information. On the other hand, if the amount of the account information is insufficient, a guide message for this may be transmitted to the payment support service device 20 or the user terminal 10.

The financial device storage unit 53 stores and manages one or more pieces of information generated when the financial device control unit 52 performs an operation as described above.

In the above, the main configuration and operation method of the financial support device 50 according to an embodiment of the present invention has been described.

Hereinafter, a service subscription method for payment support in an embodiment of the present invention will be described with reference to FIGS. 6 and 7.

First, FIG. 6 is a data flow diagram illustrating a data flow between a user terminal, a sales support device, and a payment support service device in order to explain a service subscription method for payment support according to an embodiment of the present invention. FIG. Data flow diagram illustrating a service subscription method for payment support according to an embodiment of the present disclosure.

1 and 6, the user terminal 10 accesses a predetermined service page provided by the sales support apparatus 40 to purchase a specific product according to a user's request (S101). Here, the sales support device 40 is a device of a seller who operates a mobile shopping mall or an online shopping mall, and the user terminal 10 provides a predetermined service application or a web page to a predetermined service page provided by the sales support device 40. In operation S105, payment request information may be generated according to a user input (S103), and the generated payment request information may be transmitted to the sales support apparatus 40 (S105).

In this case, the payment request information may be configured to include payment means information, and the sales support device 40 receiving the payment information determines whether the payment means information is payment means information supported by the payment support service device 20. It is determined (S107).

As a result of the determination, when the payment support service device 20 does not support the payment means information, that is, in the case of general credit card payment or mobile phone integrated payment, etc., the sales support device 40 branches to step S131 (S109). In accordance with the selected payment method information, a process for payment approval may be performed and payment approval may be confirmed (S131).

On the other hand, if the determination result, the payment support service device 20 supports the payment means information, the sales support device 40 requests the user terminal 10 to input the user number information (S111), the user terminal 10 If the user number information is input from the user (S113), the input user number information is transmitted to the sales support apparatus 40 (S115).

On the other hand, when the user terminal 10 is a portable terminal such as a smart phone, the user number information may be directly transmitted to the sales support device 40 without a process of inputting user number information from a separate user.

Here, the user number information may be phone number information of the mobile terminal. When the user terminal 10 is a fixed terminal such as a desktop computer, the user may use the phone number of a separate mobile terminal registered in a payment service. Can be entered as number information.

Upon receiving this, the sales support device 40 transmits the user number information to the payment support service device 20 and inquires whether the user subscribes to the service based on the user number information (S117).

Upon receiving this, the payment support service device 20 confirms whether to subscribe to a service based on the user number information (S119), and a user using the user number information subscribes to a payment service supported by the payment support service device 20. It is determined whether or not the state (S121).

As a result of the determination, when the user is a user who is not subscribed to the payment service supported by the payment support service device 20, the payment support service device 20 may branch to step S135 to control the service subscription procedure to proceed. (S135).

On the other hand, when the user is a user subscribed to the payment service supported by the payment support service device 20, the payment support service device 20 transmits a service subscription confirmation message to the sales support device 40 (S123), The sales support device 40 which receives this transmits the payment request information to the payment support service device 20 (S125), and the payment support service device 20 performs a process for approval of the payment (S127).

Then, if payment approval is normally made, the payment support service device 20 transmits a payment approval message to the sales support device 40 (S129), and the sales support device 40 checks the payment approval message (S131). In step S133, the payment approval message may be transmitted to the user terminal 10 to inform that the payment has been normally made.

The step S127 will be described with reference to FIG. 8. First, the step S135, that is, the payment service subscription process, will be described with reference to FIG. 7.

As shown in FIG. 7, when the power is supplied, the payment support service device 20 may distribute power required for each component of the device by using the supplied power, and accordingly, the payment support service device 20 In step S201, the waiting step may be performed. Here, the waiting step may be in a state capable of transmitting and receiving information with the user terminal 10, the sales support device 40, and the financial support device 50.

Subsequently, when an inquiry about whether to subscribe to the service is requested from the sales support device 40 including the user number information (S203), the payment support service device 20, as described above, based on the user number information. It is checked whether the service subscription (S205).

Then, if the payment support service device 20 is confirmed that the user is subscribed to the payment service (S207), and transmits the service subscription confirmation message to the sales support device 40 (S209), as described with reference to FIG. Likewise, the request for payment approval is performed.

On the other hand, if it is determined that the corresponding user is not subscribed to the payment service, the payment support service device 20 transmits a service non-subscription confirmation message to the sales support device 40 (S211) and responds to the user number information. A service subscription request message including payment application address information is transmitted to the user terminal 10 (S213).

The user terminal 10 may receive the corresponding payment application and may proceed with the installation in the user terminal 10 (S215). When the installation is completed, the user may make a payment according to the information requested through the payment application. Service subscription information for service subscription is input (S217), and the user terminal 10 generates service subscription information according to the user's input. In this case, the service subscription information may include account information, and the payment support service device 20 receiving the information from the user terminal 10 (S219) may provide the service subscription information including the account information to the financial support device 50. It is transmitted to (S221).

The financial support device 50 which has received this performs user authentication using account information (S223). That is, the user authentication may be performed by comparing the registered account information and the user personal identification information based on the account information included in the service subscription information and the user personal identification information. If the user authentication fails as a result of performing the user authentication (S225), the financial support device 50 transmits an authentication failure message to the payment support service device 20 (S227), and the payment support service device 20 receiving the same By transmitting an authentication failure message to the user terminal 10 (S229), it is possible to request the input of the correct service subscription information.

On the other hand, if the authentication is successful in step S225, the financial support device 50 transmits an authentication success message to the payment support service device 20 (S231), and the payment support service device 20 that received the user number is the user number. The service subscription registration may be performed by matching and storing the service subscription information corresponding to the information (S233). In this case, the payment support service device 20 may request the financial support device 50 to store user number information corresponding to the account information.

Then, the payment support service device 20 transmits a registration completion message to the user terminal 10 (S235), and the user terminal 10 that receives the service registration is displayed by displaying a registration completion message through a payment application. You can output the completion.

Hereinafter, a payment method using account information according to an embodiment of the present invention will be described with reference to FIG. 8.

8 is a data flowchart illustrating a payment method using account information according to an embodiment of the present invention.

Referring to FIG. 8, the payment support service apparatus 20 may perform steps S201 to S211 as described with reference to FIG. 7 (S301). Thereafter, the payment support service device 20 may receive payment request information from the sales support device 40 after transmitting the service subscription confirmation message to the sales support device 40 in step S209 (S303).

The payment support service device 20 that has received this request the user terminal 10 to execute a payment application (S305). The user terminal 10 receives the pre-installed payment application (S307), the service password input from the user to use the payment service through the payment application (S309), the payment support service device 20 send. The payment support service apparatus 20 that has received this determines whether the service password matches a previously stored service password corresponding to the user number information, and performs user authentication (S313). If not, authentication fails. The message is transmitted to the user terminal 10 (S315).

On the other hand, if the user authentication is successful in step S313, the payment support service device 20 may transmit to the user terminal 10 a list of one or more account information previously stored corresponding to the user number information (S317), The received user terminal 10 displays the account information list (S319), and requests for account selection from the user. Subsequently, when a selection input for specific account information is confirmed by the user (S321), the user terminal 10 transmits the selected account information to the payment support service device 20. The payment support service apparatus 20 that receives this generates an authentication number based on the account information (S325), and transmits the generated authentication number to the user terminal 10 (S327). At this time, the authentication number can be transmitted in the form of a short message, the user confirming this can enter the authentication number through the input field of the payment application. In this case, in the case of web payment, the user may check the authentication number provided to the mobile terminal of the registered user when subscribing to the payment support service, and then input the authentication number through an input field of the payment application. The payment application may be an application linked to an electronic payment gateway (PG). On the other hand, in the case of mobile payment using a mobile terminal of a registered user when subscribing to a payment support service, the authentication number is immediately displayed on the payment application, and the user may perform only a procedure for confirming this. In addition, the user may use a mobile terminal other than the mobile terminal of the registered user when subscribing to the payment support service.

At the same time, the user can enter the account password (S329), the user terminal 10 transmits the authentication number and the account password input from the user to the payment support service device 20 (S331), The payment support service apparatus 20 compares the authentication number generated in step S325 with the authentication number received from the user terminal 10 in step S331 and determines whether or not it matches (S333).

As a result of the determination, if it does not match, the payment support service device 20 may transmit an authentication failure message to the user terminal 10 (S335), and if it matches, the sales support device 40 to the financial support device 50. The payment request information previously received from the account password received from the user terminal 10, and the user number information or account information is transmitted together (S337).

The financial assistance apparatus 50 which has received this checks the account information corresponding to the user number information and compares the previously stored account password with the account password received in step S337 to correspond to the account information. It may be determined (S339). On the other hand, when the account information is received in step S337, the financial support device 50 may determine whether the account password previously matched with the account password received in step S337 corresponds to the account information. have.

Thereafter, the financial support device 50 transmits an authentication failure message to the payment support service device 20 when the account password does not match as a result of the determination (S341), and the payment support service device 20 that receives this is a user. The authentication failure message is transmitted to the terminal 10 (S343).

On the other hand, if it matches in step S339, the financial support device 50 may approve payment for the payment request information (S345), and transmit a payment approval message to the payment support service device 20 (S347). The received payment support service device 20 transmits a payment approval message to the sales support device 40 and the user terminal 10 to notify that the payment has been normally performed (S349).

As such, according to an embodiment of the present invention, a user may subscribe to a payment service supported by a payment support service device using account information, and may use a new payment service by an account transfer method.

In addition, even a user who does not use a credit card can easily use the payment service using the user's terminal, thereby contributing to the activation of the commerce market.

In addition, various information generated during the service subscription process and payment approval process for the payment support according to the present invention described with reference to FIGS. 6 to 8 may be encrypted and transmitted according to a predetermined method as described with reference to FIG. 3. It may be decoded according to a predetermined method.

The service subscription method for payment support according to an embodiment of the present invention has been described above.

The service subscription method for payment support according to an embodiment of the present invention as described above may be provided in the form of a computer-readable medium suitable for storing computer program instructions and data. In this case, a computer-readable medium suitable for storing computer program instructions and data may include, for example, a magnetic medium such as a hard disk, a floppy disk, and a magnetic tape, and a compact disk read only memory (CD-ROM). , Optical media such as Digital Video Disk (DVD), magneto-optical media such as Floppy Disk, and ROM (Read Only Memory), RAM And a semiconductor memory such as a random access memory, a flash memory, an erasable programmable ROM (EPROM), and an electrically erasable programmable ROM (EEPROM). The processor and memory can be supplemented by or integrated with special purpose logic circuitry. Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Although the specification includes numerous specific implementation details, these should not be construed as limited to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. In certain cases, multitasking and parallel processing may be advantageous. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

On the other hand, the embodiments of the present invention disclosed in the specification and drawings are merely presented specific examples for clarity and are not intended to limit the scope of the present invention. It is apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

The present invention relates to a payment method using an account information, an apparatus therefor, and more particularly, to a payment method using account information that can use a payment service supported by a payment support service device using user account information. Relates to a device.

According to the present invention, a user can subscribe to a payment service supported by a payment support service device by using account information, and by using a new payment service through an account transfer method, a payment service can be easily performed even by a user who does not use a credit card. There is an effect that can be used.

Due to these various advantages, the present invention can contribute to the activation of the commerce market. In addition, the present invention has industrial applicability because the present invention is not only commercially available or commercially viable, but also practically clearly implemented.

10: user terminal 11: communication unit 12: control unit
13: input unit 14: storage unit 15: display unit
16: sound source output unit 20: payment support service device
21: service communication unit 22: service storage unit
23: service control unit 30: communication network
40: sales support device 50: financial support device
100: payment support system

Claims (17)

A service communication unit for transmitting and receiving information with at least one sales support device; And
When the payment request information corresponding to the user number information is received from the one of the sales support devices through the service communication unit, a first payment approval process, a registered account selection process, and an authentication number are generated using the service password registered at the time of service subscription. Service to control the payment approval for the payment request information is completed by performing a second payment approval process for confirming the authentication number received from the user terminal after transmitting to the user terminal, a third payment approval process using the registered account password A control unit;
The service control unit
After receiving the user number information from the sales support device and confirming whether or not to subscribe to a payment service, if the payment request information is received in a state in which it is confirmed that the user is subscribed to the payment service, payment is made to the user terminal corresponding to the user number information The application execution request information is transmitted, the execution of the payment application is confirmed, and the first payment approval process, the second payment approval process, and the first payment using a service password, an authentication number, and an account password generated through the corresponding payment application. 3 Payment support service device characterized in that to control the payment approval process proceeds. delete delete delete delete delete delete Communication unit for transmitting and receiving information with one or more sales support device and payment support service device; And
After connecting to any one of the sales support device to transfer the user number information, and generates the payment request information and transmits it to the payment support service device that can be linked to the sales support device through the communication unit, the payment support service device A first payment approval process using a registered service password, a registered account selection process, a second billing process using an authentication number received from the payment support service device and a third using a registered account password according to the control of And a controller for controlling the payment approval process to be completed.
The control unit
The payment support service device receives the payment application execution request information delivered after the payment service subscription is confirmed through the user number information, executes the payment application, and confirms the execution of the payment application. The user characterized in that the first payment approval process, the second payment approval process, the third payment approval process proceeds by receiving a service password, authentication number, account password from the user through the payment application Terminal. delete delete delete delete delete delete delete delete delete

Images