KR102077714B1 - Method for providing authentic data and application based substitute payment service - Google Patents

Abstract

Authentication data and an application-based proxy payment service providing method are provided, and when a payment request terminal selects and pays an item in an online store or an offline store of a seller terminal, if a proxy payment is selected, the proxy terminal or payment request terminal is selected. Receiving from the step, Receiving a surrogate payment request event requesting a surrogate payment to the surrogate payment terminal registered with the payment requester in the address book from the payment request terminal, the type, quantity, and price of goods in the surrogate payment terminal Transmitting the information of the goods to the proxy payment terminal so that the included information is output, the payment terminal selects any one of the pre-registered payment means, the authentication data including the pre-registered pin number or biometric data is input If so, the payment will be made to one of the selected payment methods. And if the payment is completed, transmitting the payment completion information to the seller terminal and the payment request terminal.

Description

METHOD FOR PROVIDING AUTHENTIC DATA AND APPLICATION BASED SUBSTITUTE PAYMENT SERVICE}

The present invention relates to a method for providing authentication data and an application-based proxy payment service, and provides a method for a third party to pay for a payment requester's goods at the request of a payment requester.

Recently, due to the development of IT technology, a huge revolution of fintech is going on in the financial sector through active use of IT technology. Fintech is a compound word of financial and technology that processes various financial services such as payment, deposit, withdrawal, transfer, and asset management through IT technology through smart devices. There are various ways of purchasing and paying for products, such as cash and cards.In recent years, payment methods such as mobile card payments and mobile phone payments have become faster and simpler. It is expected that a common electronic payment system will be born. In addition, it is expected to be used as a service focusing on convenience and safety of users as it is gradually expanded to insurance, securities, and internet specialized banks as well as services limited to finance.

At this time, the development of fintech has been expanded and researched and developed in a non-occupied state in which payment is possible, but instead of proxy and alternative payment. In this regard, the prior art Korean Patent Registration No. 10-1865630 (June 11, 2018 announcement), after generating the merchant identification result information for the user is matched with the merchant identification result information for the user in the app of the user wireless terminal When the original payment is requested instead of the specified payment target, the merchant generates the merchant's identification result information for the payer corresponding to the payment target instead of based on the merchant identification result information for the user. By requesting a payment is disclosed a configuration to quickly and conveniently pay for the original payment in the same manner as the non-occupied payment method of the app of the user wireless terminal in the app of the payer wireless terminal.

However, in the above-described method, since the user can visit the store in the wireless terminal and make a payment instead of maintaining the connection state, that is, the occupancy state for a predetermined time, the user should always visit the offline store. Inconvenience due to payment request such as maintaining connection is expected. In the relationship between the guardian and the guardian, when the guardian is a minor, when the holder holds a credit card or the like of the guardian, the legal responsibility and the possibility of disagreement caused by the mismatch between the holder and the licensee may be increased. If you don't have a card, you have to keep cash in case you need to make an untimely payment. Always holding cash is a crime target, even if you hold cash. If it does not meet, the payment request problem will occur again.

According to an embodiment of the present invention, when a payment requester requests a proxy payment in a seller's store including an online and offline store, a payment request is made if a registered surrogate is registered among registered registrants listed in the address book and a response thereto is provided. In order to prevent fraudulent use when receiving, additionally receive authentication data as well as payment method to authenticate the payer, and the cost of the construction of a separate system or infrastructure by making a process such as payment request and payment process based on the application It is possible to provide an easy-to-use authentication data and application-based proxy payment service by paying and approving an order in a single procedure because it does not need to go through a separate authentication system. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention, when selecting the payment in the payment request terminal in the online store or offline store of the seller terminal, if the proxy payment request is selected for the proxy payment Receiving from the seller terminal or payment request terminal, Receiving a surrogate payment request event requesting a surrogate payment from the payment request terminal to the surrogate payment terminal registered in the address book in the address book, Type of goods in the surrogate payment terminal Transmitting the information of the goods to the payment terminal so that the information including the quantity, quantity, and price is output, selecting one of the payment methods previously registered in the payment terminal, and previously registered pin number or biometric data. If the authentication data including the payment is entered, payment proceeds to any selected payment method If the step, and the payment is made, so that, transmitting the payment received information to the merchant terminal and the payment request terminal.

According to any one of the problem solving means of the present invention described above, if the payment requester requests a proxy payment in the seller's stores, including online and offline stores, the payment request if the registered surrogate among the registered in the address book And, when receiving a response to this to authenticate the payer by additionally receiving the authentication data as well as the payment means so that there is no fraud, and the process such as payment request and payment based on the application of the separate system or infrastructure It is easy to use because it is possible to pay and approve the order in one step because it does not incur the cost of the construction and does not have to go through a separate authentication system. Applies to all users It can prevent accidents caused by delegation or loan of card. In addition, the payment system can securely manage secure user authentication techniques and financial related information to provide secure financial transactions, and can be applied to emphasize simplicity, convenience, and safety in various electronic money and mobile electronic payment services.

1 is a view for explaining a system for providing authentication data and application-based proxy payment service according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a proxy payment service providing server included in the system of FIG. 1.
3 is a diagram illustrating an embodiment in which authentication data and an application-based proxy payment service are implemented according to an embodiment of the present invention.
4 is a diagram illustrating a process in which data is transmitted and received between each component included in the authentication data and the application-based proxy payment service system of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing authentication data and an application-based proxy payment service according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, without excluding other components, unless specifically stated otherwise, one or more other features It is to be understood that the present disclosure does not exclude the possibility of adding or presenting numbers, steps, operations, components, parts, or combinations thereof.

As used throughout the specification, the terms "about", "substantially", and the like, are used at, or in close proximity to, numerical values when manufacturing and material tolerances inherent in the meanings indicated are intended to aid the understanding of the invention. Accurate or absolute figures are used to assist in the prevention of unfair use by unscrupulous infringers. As used throughout the specification of the present invention, the term "step of" or "step of" does not mean "step for".

In the present specification, the term 'unit' includes a unit realized by hardware, a unit realized by software, and a unit realized by both. In addition, one unit may be realized using two or more pieces of hardware, and two or more units may be realized by one piece of hardware.

Some of the operations or functions described as being performed by the terminal, the apparatus, or the device may be performed instead in the server connected to the terminal, the apparatus, or the device. Similarly, some of the operations or functions described as being performed by the server may be performed by the terminal, apparatus or device connected to the server.

In the present specification, some of the operations or functions described as mapping or matching with the terminal mean that the identification number of the terminal or identification information of the individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a system for providing authentication data and application-based proxy payment service according to an embodiment of the present invention. Referring to FIG. 1, the authentication data and the application-based proxy payment service providing system 1 may include a payment request terminal 100, a proxy payment service providing server 300, a proxy payment terminal 400, a seller terminal 500, and the like. It may include a sales employee terminal 600. However, since the authentication data and the application-based proxy service providing system 1 of FIG. 1 are only one embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

In this case, each component of FIG. 1 is generally connected through a network 200. For example, as shown in FIG. 1, the payment request terminal 100 may be connected to the proxy payment service providing server 300 through the network 200. In addition, the proxy payment service providing server 300 may be connected to the payment request terminal 100, the proxy payment terminal 400, the seller terminal 500, and the sales staff terminal 600 through the network 200. In addition, the proxy payment terminal 400 may be connected to the proxy payment service providing server 300 through the network (200). In addition, the seller terminal 500 may be connected to the proxy payment service providing server 300 through the network 200. Lastly, the sales employee terminal 600 may be connected to the proxy payment service providing server 300 through the network 200.

Here, the network refers to a connection structure capable of exchanging information between each node, such as a plurality of terminals and servers, and examples of such a network include RF, 3rd Generation Partnership Project (3GPP) network, and Long Term (LTE). Evolution network, 5th Generation Partnership Project (5GPP) network, World Interoperability for Microwave Access (WIMAX) network, Internet, Local Area Network (LAN), Wireless Local Area Network (WLAN), Wide Area Network (WAN) , PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network and the like, but is not limited thereto.

In the following description, the term “at least one” is defined as a singular and plural term, and each component may exist in the singular or plural, even though the term “at least one” does not exist, and may mean the singular or plural. It will be self explanatory. In addition, the singular or plural elements may be changed according to embodiments.

The payment request terminal 100 may be a terminal for requesting payment to a third party by using a web page, an app page, a program, or an application related to authentication data and an application-based payment service. To this end, the payment request terminal 100 may be a terminal that registers a third party surrogate with the surrogate payment service providing server 300 in advance. In this case, the payment request terminal 100 may be a terminal capable of selecting at least one of a list of registered subscribers. In addition, the payment request terminal 100 may be a terminal for registering the surrogate so as to correspond to at least one node included in the basic relationship diagram provided by the proxy payment service providing server 300, surrogate payment on the basic relationship diagram The terminal may be configured to output a terminal for not installing a service application. The payment request terminal 100 may be a terminal requesting a proxy payment to the seller terminal 500 when selecting a desired item from an offline store or an online store and requesting payment, and when the proxy payment is requested, the proxy payment is performed. It may be a terminal specifying a ruler. In addition, when payment is completed, the payment request terminal 100 may be a terminal that receives a payment completion message or the like from the proxy payment service providing server 300. At this time, the payment request terminal 100 may be the surrogate of the other person, may perform the function of the surrogate payment terminal 400, if the sales staff function of the sales staff terminal 600, the seller terminal if the seller Of course, all of the functions of 500 may be performed, but in order to describe and specify each role in the specification of the present invention, the payment request terminal 100 will be described by limiting only the role of requesting payment to a third party. do.

Here, the payment request terminal 100 may be implemented as a computer that can access a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the payment request terminal 100 may be implemented as a terminal that can be connected to a server or a terminal in a remote place through a network. The payment request terminal 100 is, for example, a wireless communication device that ensures portability and mobility. The payment request terminal 100 may include navigation, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), and a PHS (PHS). Personal Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminals , Handheld-based wireless communication devices such as smart phones, smart pads, tablet PCs, and the like.

The proxy payment service providing server 300 may be a server that provides authentication data and an application-based proxy service web page, an app page, a program, or an application. In addition, when the proxy requesting service providing server 300 designates and registers a surrogate payment in the payment request terminal 100, the surrogate payment service providing server 300 checks whether or not the registered user is registered in the address book and registers the designated surrogate payment terminal ( It may be a server that generates a basic relationship diagram by checking the relationship between the proxy and the billing requester of 400). At this time, the proxy payment service providing server 300, the amount of money that can be used in the payment request terminal 100 from the proxy payment terminal 400 or the type (range) of the items that can be requested for proxy payment, etc. In the case of designation, it may be a server used as a reference such as blocking or permitting in advance when a proxy payment request occurs after registering it. In addition, the surrogate payment service providing server 300, by specifying the goods in the payment request terminal 100, the surrogate payment request from the online store or offline store to the seller terminal 500, and the payment request between the surrogate biller-payment requester If the range is specified as described above, the server that first checks whether or not the store is allowed by the above-described information, such as the surrogate available range, and then transmits the payment request to the surrogate terminal 400 only if the available range and the store. Can be. If, in the above case, the payment request range or type is not specified, the proxy payment service providing server 300 immediately transmits the information of the payment request terminal 100 to the proxy payment terminal 400 without the above-described filtering process. The server may be a payment request. In addition, the proxy payment service providing server 300, the proxy payment terminal 400 to select any one of the payment means, such as a card or account registered in advance by the proxy, and when the payment request with the selected payment means, authentication The server may be prevented from misuse by others by inputting data once more. In this case, the type of authentication data is taken as a six-digit pin number as an example, but biometric data such as a fingerprint, an iris, a face, and the like may also be used, and it will be apparent that various types of authentication data may be used. After the payment is completed, the surrogate payment service providing server 300 transmits the payment completion information to the seller terminal 500 and the payment request terminal 100, thereby giving the seller the goods to the payment requester, delivering or delivering the product. It may be a server for allowing the payment requester to check whether the item requested by the user is the payment will be delivered.

Here, the proxy payment service providing server 300 may be implemented as a computer that can be connected to a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like.

The proxy terminal 400 may be a terminal of the proxy using the authentication data and the application-based proxy service-related web page, app page, program or application. To this end, the surrogate payment terminal 400 should be listed in the address book of the payment request terminal 100, the seat corresponding to at least one node forming a basic relationship diagram by the registration request of the payment request terminal 100 It must be located at Of course, it does not exclude the case where a payment request is made if the registration or registration is not made in advance. And, the surrogate payment terminal 400 is a terminal that accepts or rejects payment if the payment request of the seller terminal 500 or the payment request terminal 100 is received via the surrogate payment service providing server 300. Can be. In addition, the surrogate payment terminal 400 may be a terminal that performs payment using a payment means registered in advance or a newly registered payment means when the payment is accepted. At this time, the surrogate payment terminal 400 may be a terminal that receives more authentication data including a pin number or biometric data in order to prevent unauthorized use of the other person, the payment is completed only if the authentication data match the pre-stored authentication data It may be a terminal that performs. In addition, when the payment is approved by the payment approval entity (not shown), the proxy payment terminal 400 transmits the result to the proxy payment service providing server 300, and the proxy payment service providing server 300 is a seller. By transmitting the information to the terminal 500, the seller can check whether the payment is completed. In addition, the surrogate payment terminal 400 is provided from the surrogate payment service providing server 300 in the form of a sum of the sum of the amount of the surrogate payment for each payment requester, such as monthly, weekly, etc. It may be a terminal that calculates itself so that the surrogate bill can be confirmed. In addition, although the proxy payment terminal 400 may output the specification for each payment requester, it will be apparent that the surrogate payment terminal 400 may additionally provide the sum of all the proxy payment details.

Here, the surrogate payment terminal 400 may be implemented as a computer that can be connected to a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. At this time, the surrogate payment terminal 400 may be implemented as a terminal that can be connected to a server or a terminal in a remote place through a network. The proxy payment terminal 400 is, for example, a wireless communication device that ensures portability and mobility, and includes a navigation, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), and a PHS (PHS). Personal Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminals , Handheld-based wireless communication devices such as smart phones, smart pads, tablet PCs, and the like.

The seller terminal 500 may be a terminal of a seller using authentication data and an application-based proxy service related web page, an app page, a program, or an application. In this case, the seller terminal 500 may operate an offline store or an online store, and may also include both the case where the offline store is delivered and the case where the goods are provided in the store. In this case, the seller terminal 500 does not need to include a POS, but it will be apparent that the case of calculating sales in conjunction with the POS is not excluded. In addition, the seller terminal 500, if there is a surrogate payment request from the payment request terminal 100, whether the settlement completion data is transmitted from the surrogate payment terminal 400 via the surrogate payment service providing server 300; After confirming, and receiving the payment completion data may be a terminal for outputting the order for delivery, delivery, or delivery to the payment requester, that is, the orderer. In addition, when the seller terminal 500 makes a payment request by scanning or reading an identification code (bar code, QR code, etc.) of the item in the payment request terminal 100, the type of the article that is pre-mapped and stored in the identification code, It may be a terminal that transmits information such as quantity and information of online or offline stores together to the agent payment service providing server 300. However, it is not excluded that the proxy payment service providing server 300 may read the above information from the payment request terminal 100 by itself.

Here, the seller terminal 500 may be implemented as a computer that can access a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the seller terminal 500 may be implemented as a terminal that can access a server or terminal in a remote place through a network. The seller terminal 500 is, for example, a wireless communication device that ensures portability and mobility, and includes a navigation, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), and a personal PHS (PHS). Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminal, All types of handheld based wireless communication devices such as smartphones, smartpads, tablet PCs, and the like may be included.

The sales staff terminal 600 may be a terminal of a sales staff linked with the seller terminal 500 using authentication data and an application-based proxy service related web page, app page, program, or application. In this case, the sales employee terminal 600 may be a terminal that installs an application for an employee or receives an authority as an employee to perform only the corresponding authority and function. In addition, the sales staff terminal 600 may be a terminal that can use the above-mentioned functions only after applying for the employee registration and approved in the seller terminal 500. In addition, the sales staff terminal 600 may be a terminal that is processed so that all of the usage rights and access rights are destroyed when the employee deletes from the clone app list in the seller terminal 500 when the employee leaves the company. In this case, when the sales employee terminal 600 is deleted from the seller terminal 500, when the sales staff terminal 600 approaches the surrogate payment service application, the seller terminal 500 may be a terminal configured to automatically delete the application.

Here, the sales staff terminal 600 may be implemented as a computer that can be connected to a server or a terminal in a remote place through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the sales staff terminal 600 may be implemented as a terminal that can be connected to a server or terminal in a remote place through a network. The sales clerk terminal 600 is, for example, a wireless communication device that ensures portability and mobility, and includes, for example, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS ( Personal Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminals , Handheld-based wireless communication devices such as smart phones, smart pads, tablet PCs, and the like.

2 is a block diagram illustrating a proxy service providing server included in the system of FIG. 1, and FIG. 3 illustrates an embodiment in which authentication data and an application-based proxy service are implemented according to an embodiment of the present invention. It is a figure for demonstrating.

Referring to FIG. 2, the proxy payment service providing server 300 may include a request receiver 310, an event receiver 320, a transmitter 330, a processor 340, a processor 350, and a register 360. The usage setting unit 370 may be included.

Alternative payment service providing server 300 according to an embodiment of the present invention or another server (not shown) operating in conjunction with the payment request terminal 100, proxy payment terminal 400, seller terminal 500, and sales In case of transmitting authentication data and application-based proxy service application, program, app page, web page, etc. to the employee terminal 600, the payment request terminal 100, the proxy payment terminal 400, the seller terminal 500, and The sales staff terminal 600 may install or open authentication data and an application-based proxy service application, a program, an app page, a web page, and the like. In addition, the service program may be driven in the payment request terminal 100, the proxy payment terminal 400, the seller terminal 500, and the sales staff terminal 600 using a script executed in a web browser. Here, the web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up language), for example, Netscape. , Explorer, chrome and the like. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).

Referring to FIG. 2, when the receiver 310 selects and pays an item at an online store or an offline store of the seller terminal 500 in the payment request terminal 100, the receiver 310 sends a proxy payment request to the seller terminal. 500 or the payment request terminal 100 may be received. In this case, the receiver 310 may receive a payment request according to the proxy payment from the seller terminal 500, or may directly receive a proxy payment request from the payment request terminal 100. At this time, the payment requester of the payment request terminal 100 must be registered as a surrogate among the registered inscribers listed in the address book in order to request payment to a third party, namely, the surrogate, which will be described in detail later in the register 360. Shall be.

The request receiving unit 310, when the payment request terminal 100 selects the goods in the online store or offline store of the seller terminal 500, when the proxy payment is selected, the proxy payment request to the seller terminal 500 or payment When received from the request terminal 100, from the payment request terminal 100, when the payment request terminal 100 selects the goods in the offline store of the seller terminal 500, QR code, barcode, RFID tag, and NFC tag Scan or read an identification code including a to receive selection information of the article. As a result, the payment requester can accurately grasp the goods to be purchased.

The event receiving unit 320 may receive a surrogate payment request event requesting a surrogate payment from the payment request terminal 100 to the surrogate payment terminal 400 in which a relationship with the payment requester is registered in the address book. At this time, the event receiving unit 320, the payment request terminal 100 to know who has requested how much of the amount of payment to specify the surrogate terminal 400, the surrogate payment request to the specified surrogate terminal 400 Since the event is transmitted, if the proxy is specified in the payment request terminal 100 to receive it. Of course, the payment request terminal 100 does not exclude sending the surrogate payment request event directly to the surrogate payment terminal 400, but even in this case it can be stored as a history log for later confirmation in the application.

The transmitter 330 may transmit the information of the goods to the proxy payment terminal 400 so that the information including the type, quantity, and price of the goods is output from the proxy payment terminal 400. In addition, the transmission unit 330 may allow the payment requester 400 to determine what kind and price of goods. At this time, since the surrogate payment terminal 400 is the subject of payment, it is natural to provide information of the goods to be paid, but the use and range (price) are already set, and the information of the goods to be paid is within the range previously approved by the surrogate. If not, it does not exclude that the transmission unit 330 may determine itself and notify only the result to the proxy terminal 400. For example, in the case of the approval of the first reference book (within 50,000 won) in the proxy payment terminal 400, and the request for payment of the mathematical reference book (within 50,000 won) in the payment request terminal 100 This may not require reapproval or reconfirmation. Of course, even the pre-approved range does not preclude the provision of information and confirmation of the goods.

When the transmission unit 330 transmits the information of the article to the proxy terminal 400 so that the information including the type, quantity, and price of the article is output from the proxy terminal 400, the information of the article is a store that sells the article May contain more people. It may also include the name of the store, its location, and whether or not it is a youth accessible facility.

The progress unit 340 selects any one of the payment means pre-registered in the proxy payment terminal 400, and when authentication data including a pre-registered pin number or biometric data is input, Payment can be made by a payment method. In this case, even if the payment method is selected, because the proxy does not proceed or whether the payment requester can use the terminal of the surrogate to verify the payment, authentication data that only the surrogate biller knows, for example, a face By adding data, fingerprint data, iris data, and pin number, it is possible to prevent the use of payment requester or fraudulent use. Of course, it is obvious that various methods of authenticating the surrogate may be used without being limited to the above.

When the payment is completed, the completion unit 350 may transmit payment completion information to the seller terminal 500 and the payment request terminal 100. Through this, the seller can deliver the goods to the payment requester in the case of the offline store, and in the case of the online delivery goods, an order for the delivery procedure is output, and in the case of delivery, the data for the order and delivery are output. do. Also, by notifying the payment request terminal 100 whether or not the payment is made, the payment request terminal 100 may directly contact the proxy payment terminal 400 so as to take actions such as explaining self-confidence.

The registration unit 360, when selecting the payment in the online store or offline store of the seller terminal 500 in the payment request terminal 100 in the request receiving unit 310, when the proxy payment is selected, the seller terminal requests a proxy payment request Before receiving from the 500 or the payment request terminal 100, at least one corresponding to at least one node included in the basic relationship diagram formed around the family tree from the list of registrants registered in the address book from the payment request terminal 100; The proxy payment terminal 400 may be selected. For example, various family trees such as father, mother, aunt and uncle may be formed around me (payment requester), and may be formed in a tree shape. At this time, even if not a family, the relationship between the protector-legal representative may be formed, so the scope of the basic relationship is not limited to the family. And, the registration unit 360, if the selected proxy payment server 400 does not install the application provided by the proxy payment service providing server 300 or the proxy payment service providing server 300, the selected proxy payment, An address to install an application may be transmitted to the terminal 400. For example, if a father and a mother exist at a node of a level of the tree, and a person (payment requester) exists at a level of 2, and the father does not install an application according to an embodiment of the present invention, the father corresponds. An indication that the application is not installed at the node is output, and the registration unit 360 may inform the father to install the application by transmitting an installation address, for example, a shortcut address. In addition, the registration unit 360 may display whether the application is installed in at least one node on the basic relationship diagram of the payment request terminal 100. Accordingly, when the payment requester later requests payment to a third party, that is, the surrogate, the payment requester can request the person who installed the application. Of course, even if the application is not installed, it will be obvious that the proxy can be billed as an app page or a web page.

In addition, the registration unit 360 indicates whether the application is installed in at least one node on the basic relationship diagram of the payment request terminal 100, and then at least one of the basic relationship diagram on the anniversary date of the payment request terminal 100. Anniversary information and information of the payment request terminal 100 may be transmitted to at least one surrogate payment terminal 400 corresponding to the node. For example, assuming that it is my (payment requester's) birthday, the mother and father's terminal can recognize that the payment requester's birthday. For example, if the mother allows 50,000 won for the purchase of a book, and the father has previously designated 50,000 won for the purchase of a book, the register 360 requests a proxy payment request from the payment request terminal 100. If not, you may proceed to make an automatic payment to the extent permitted by the purchase purpose and price. Of course, even in this case, it will be apparent that the process of receiving the proxy request and approval may be rough as described above. At this time, the registration unit 360, in order to determine and identify the use, as well as the store name, as well as the purchase of goods to check, may also separately request detailed information about the goods to the seller terminal 500.

The usage setting unit 370, when selecting the payment in the online store or offline store of the seller terminal 500 in the payment request terminal 100 in the request receiving unit 310, if the proxy payment is selected, the proxy payment request Before receiving from the seller terminal 500 or the payment request terminal 100, when the payment request terminal 100 to designate and register the proxy terminal 400, the payment request terminal 100 and the proxy payment terminal 400 ), If the relationship between the protector and the protector, the receiving request from the surrogate payment terminal 400, the payment request terminal 100 can receive and register the range of goods and the price of the goods.

For example, assuming that a son is a payment requester and a parent is registered as a surrogate bill, it is inconvenient if the parents have to continuously approve the payment request of the son while busy. Therefore, when the agent set the use (kind of article) and the range (price), the use setting unit 370 may control the settlement to be possible without re-approval. However, if you purchase A type of goods and then repurchase A type of goods, for example, if you purchase A reference book and then purchase A reference again in one month, you choose as an unusual purchase and confirm You can get it back. Accordingly, the surrogate payment service providing server 300 databases the use cycle or purchase cycle of each item as big data, and when the use cycle or the purchase cycle is out of the average error range, it corresponds to the surrogate settlement terminal 400. You can also send a payment request for a fact.

In addition, the proxy payment service providing server 300 may transmit the location of the offline store to the proxy terminal 400 when the payment request is requested by the payment request terminal 100 in the offline store. At this time, the proxy payment service providing server 300, even if the payment request in the two offline stores does not occur time difference, that is, the payment request occurs at the same time, or even if the time difference occurs in two offline stores from one store to another store In the case of a distance that cannot be moved within the time difference, it may be reported as an abnormal payment request to the surrogate payment terminal 400. That is, at one point in time, the payment requester cannot be located in two places, and even if a time difference occurs, the payment requester cannot be located at an unreachable distance using any means of transportation. Of course, it will be apparent that the above configuration may not apply when using delivery or when using an online store. At this time, when the payment request terminal 310 in the payment request terminal 100 selects the goods in the online store or offline store of the seller terminal 500, if the proxy payment is selected, the proxy payment request to the seller terminal 500 or When receiving from the payment request terminal 100, whether the type and price of the article included in the proxy payment request is included in the range of the type and price of the goods specified by the proxy terminal 400 included in the proxy request I can figure it out. In addition, when the type and price of the goods included in the proxy payment request is included in the range of the type and price of the goods specified in the proxy terminal 400 included in the proxy request, the proxy payment terminal from the payment request terminal 100 The transfer of the surrogate request to 400 may be allowed.

Hereinafter, an operation process according to the configuration of the proxy payment service providing server of FIG. 2 described above will be described in detail with reference to FIG. 3. However, the embodiment is only any one of various embodiments of the present invention, but is not limited thereto.

Referring to FIG. 3, (a) the proxy payment service providing server 300 scans an item at a store in the payment request terminal 100 and receives the payment request by designating the proxy payment terminal 400. Information for requesting a proxy payment can be generated. In this case, (b) when the payment request terminal 100 selects the surrogate setter registered in the basic relationship diagram, the surrogate settlement service providing server 300 is the surrogate settlement terminal 400 of the selected surrogate settlement, the type of goods, The quantity, price, and store name will be sent to you to choose whether or not to accept it. At this time, (c) the proxy payment terminal 400 can check the detailed information, and check whether the location of the store and the location of the payment request terminal 100 is consistent, and whether or not the appropriate goods in the case of online orders or delivery. do. And, when the payment is made in the proxy payment terminal 400, by selecting any one of the pre-registered payment means, and by inputting the authentication number, such as a pin number in addition to the payment means to zero the possibility of fraudulent use. have. In this case, when both the payment means and the authentication number are input, the proxy payment service providing server 300 transmits the payment completion information to the seller terminal 500 so that the goods can be delivered to the payment requester, and the payment request terminal ( 100) may take action, such as asking the seller for delivery in order to receive the goods.

In addition, the store display contents transmitted to the proxy payment terminal 400 may be sorted by distance, by Canada, or by category in a list format. At this time, it may include a business name, address / location display (street display), sales items, youth availability, business hours, delivery (delivery, takeout, store sales), but is not limited thereto.

The order number is an order confirmation number when ordering in a store, for example, may be in the form of 21M002 (date, day of the week, order number), the order number may be automatically expired after 5 minutes, and the form may be a food store or a sale. It can be divided into stores, delivery shops, etc., when it is served at a place after ordering (payment) at a food store, when a product is selected at a merchandise store and the item is received after payment at the counter, or when the counter is paid after using the service at the service store. It may include all.

The online proxy payment method may be provided to enable payment through remote proxy payment by installing a plug-in when selecting a payment tool in an online shopping mall's payment screen. It is obvious that the page does not exclude payments. To purchase a payment requester to actually receive the goods at an offline store, select a store from QR code or store list, select menu, quantity, price (select other options) or enter (product, quantity, price). , After applying the coupon, and plotting the calculator to calculate the amount, and then select the payment method (representative payment or direct payment (card payment)), when the payment requester, the payment requester requests payment to the surrogate In this case, the payment requester may enter a payment request message to the surrogate, and when the payment is completed, the seller immediately approves the order and then undergoes a process such as evaluation, which is the same as or similar to the prior art. Description is omitted.

In this case, a method of pre-ordering stores is also possible. In the above-described method, only a configuration in which the payment requester selects one of the store lists online is different, and other elements are similar to and the same as the above-described method, and thus detailed description thereof will be omitted. . The same is true for delivery orders. At this time, the process of surrogate payment can be tested, in order to practice the payment process, each user may further include a configuration that can implement each process.

Meanwhile, the method according to an embodiment of the present invention may further provide event management, that is, a function of allowing a seller to directly provide an event, a promotion, a discount, etc. to a user. In this case, the discount event may include a time discount and a accompanying discount. In this case, the time discount may be provided by the seller to set the date, time, discount rate, object, discount items at irregular or regular intervals, and the accompanying discount is a discount form (1 + 1/2 + 1/3 +) at irregular or regular intervals. 1, etc.) and a target (youth / all / regular), and a discount item may be set to provide an event.

2 and 3 that are not described with respect to the authentication data and the application-based proxy service providing method is the same as or described above with respect to the authentication data and the application-based proxy service providing method described in FIG. Since it can be easily inferred from the content it will be omitted.

4 is a diagram illustrating a process in which data is transmitted and received between each component included in the authentication data and the application-based proxy payment service system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 4, but the present disclosure is not limited to the above-described embodiments, and is illustrated in FIG. 4 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.

Referring to FIG. 4, when the surrogate payment service providing server 300 receives an event for registering the surrogate among the address book registrants from the payment request terminal 100 (S4100), the surrogate payment terminal 400 confirms the confirmation. (S4200, S4300), and form a basic relationship between the payment requester and the surrogate (S4400).

On the other hand, the proxy payment service providing server 300, when a payment request of goods from the payment request terminal 100 to the seller terminal 500 (S4500), if there is a proxy payment request (S4600, S4610), the seller After receiving the information of the goods, the information of the store, etc. from the terminal 500 (S4700), after confirming the store information and goods information of the seller (S4800), the payment request to the surrogate payment terminal 400 (S4810). Then, the surrogate payment service providing server 300, the surrogate payment terminal 400 to output the store information and goods information (S4810), to select a payment method (S4830), the authentication data is input (S4840) ), When payment approval is transmitted (S4900), the payment approval information is transmitted to the seller terminal 500 (S4910).

Then, the payment is completed in the seller terminal 500 (S4920), if the proxy payment service providing server 300 receives this information (S4930), the proxy payment service providing server 300, the payment request terminal ( 100) and transmits that the payment (transaction) is completed and ended to the seller terminal 500 (S4940).

The order between the above-described steps S4100 to S4940 is merely an example, and is not limited thereto. That is, the order between the above-described steps (S4100 to S4940) may be changed mutually, and some of the steps may be executed or deleted at the same time.

The matters not described with respect to the authentication data and the application-based proxy payment service providing method of FIG. 4 are the same as or described above with respect to the authentication data and the application-based proxy payment service providing method through FIGS. 1 to 3. Since it can be easily inferred from the content it will be omitted.

5 is a flowchart illustrating a method of providing authentication data and an application-based proxy payment service according to an embodiment of the present invention. Referring to FIG. 5, when a payment request terminal selects and pays an item in an online store or an offline store of a seller terminal in a payment request terminal, a proxy payment request is sent from a seller terminal or a payment request terminal. Receive (S5100).

In addition, the surrogate payment service providing server receives a surrogate payment request event requesting surrogate payment from the payment request terminal to the surrogate payment terminal whose relationship with the payment requester is registered in the address book (S5200).

In addition, the surrogate payment service providing server transmits the information of the goods to the surrogate payment terminal so that information including the type, quantity, and price of the commodity is output from the surrogate payment terminal (S5300), and the payment means previously registered in the surrogate payment terminal. If any one of the payment means is selected, and authentication data including a pre-registered pin number or biometric data is input, payment is made to one of the selected payment means (S5400).

Finally, the proxy payment service providing server, and when the payment is completed, and transmits the payment completion information to the seller terminal and the payment request terminal (S5500).

The matters not described with respect to the authentication data and the application-based proxy payment service providing method of FIG. 5 are the same as or described above with respect to the authentication data and the application-based alternative payment service providing method through FIGS. 1 to 4. Since it can be easily inferred from the content it will be omitted.

The authentication data and the application-based payment service providing method according to the exemplary embodiment described with reference to FIG. 5 may be implemented in the form of a recording medium including instructions executable by a computer, such as an application or a program module executed by a computer. Can be. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method for providing authentication data and an application-based proxy payment service according to an embodiment of the present invention described above may include an application basically installed in a terminal (which may include a program included in a platform or an operating system, which is basically installed in the terminal). It may be executed by the user, or may be executed by an application (ie, a program) installed directly on the master terminal by an application providing server such as an application store server, an application, or a web server associated with the corresponding service. In this sense, the above-described method for providing authentication data and application-based payment service according to an embodiment of the present invention is implemented as an application (that is, a program) that is basically installed in a terminal or directly installed by a user, and the like It can be recorded on a recording medium which can be read.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Claims (7)

In the proxy payment service providing method running on the proxy service providing server,
Receiving a proxy payment request from the seller terminal or the payment request terminal when the payment request terminal when selecting and paying for goods in the online store or offline store of the seller terminal;
Receiving a proxy payment request event requesting a proxy payment from the payment request terminal to a proxy payment terminal in which a relationship with the payment requester is registered in the address book;
Transmitting the information of the goods to the proxy payment terminal so that the information including the type, quantity, price, and whether the youth accessibility facility is output is output from the proxy payment terminal;
When the proxy payment terminal selects any one of the pre-registered payment means, and authentication data including a pre-registered pin number and biometric data is input, the payment proceeds to the selected payment means. step; And
Transmitting the payment completion information to the seller terminal and the payment request terminal when the payment is completed;
Including,
When the payment request terminal selects and pays for an item in an online store or an offline store of a seller terminal, if a proxy payment is selected, before receiving the proxy payment request from the seller terminal or the payment request terminal, Receiving at least one surrogate payment terminal selected to correspond to at least one node included in a basic relationship diagram in a tree form centered on a family tree among a list of registrants registered in the address book; providing the surrogate payment service in the selected surrogate payment terminal If the application provided by the server or the server linked with the surrogate payment service providing server is not installed, transmitting the address to install the application to the selected surrogate terminal. And displaying whether the application is installed in at least one node on the basic relationship diagram of the payment request terminal.
When the surrogate payment request exists in addition to the amount and type available in the payment request terminal, the surrogate payment terminal blocks the surrogate payment request in the surrogate payment service providing server, and the available amount and A terminal that does not receive a proxy payment request other than the kind,
The pre-registered surrogate terminal is a terminal located at a node corresponding to at least one node of the basic relationship diagram.
The payment request terminal is a terminal for requesting payment by indicating whether or not the application is installed, when requesting payment to the proxy payment terminal on the basic relationship diagram, authentication data and application-based proxy payment service providing method.
delete The method of claim 1,
After indicating whether the application is installed in at least one node on the basic relationship diagram of the payment request terminal,
Transmitting the anniversary information and the information of the payment request terminal to at least one surrogate payment terminal corresponding to at least one node on the basic relationship diagram on the anniversary of the payment request terminal;
Further comprising, authentication data and application-based proxy service providing method.
The method of claim 1,
When the payment request terminal selects and pays for an item in an online store or an offline store of a seller terminal, before receiving the proxy payment request from the seller terminal or the payment request terminal when a proxy payment is selected,
When the payment request terminal designates and registers a surrogate payment terminal, if the relationship between the payment request terminal and the surrogate payment terminal is a protector-guardian relationship, the surrogate payment terminal may request surrogate payment from the surrogate payment terminal. Receiving and registering a range of goods and a price of the goods;
Further comprising, authentication data and application-based proxy service providing method.
The method of claim 4, wherein
Receiving a proxy payment request from the seller terminal or the payment request terminal when the payment request terminal when selecting and paying for goods in the online store or offline store of the seller terminal,
Determining whether the type and price of the item included in the proxy payment request are included in a range of the type and price of the goods designated by the proxy terminal included in the proxy settlement request;
When the type and price of the goods included in the proxy payment request is included in the range of the type and price of the goods specified by the proxy payment terminal included in the proxy payment request, the proxy payment from the payment request terminal to the proxy terminal Allowing the transmission of the request;
That includes, authentication data and application-based proxy service providing method.
The method of claim 1,
In the step of transmitting the information of the article to the surrogate payment terminal so that the information including the type, quantity, price of the goods and whether or not youth accessibility facilities are output from the surrogate payment terminal,
The information of the article further comprises a store name that sells the article, authentication data and application-based payment service.
The method of claim 1,
Receiving a proxy payment request from the seller terminal or the payment request terminal when the payment request terminal when selecting and paying for goods in the online store or offline store of the seller terminal,
From the payment request terminal, when the payment request terminal selects an item in an offline store of a seller terminal, scan or read an identification code including a QR code, a barcode, an RFID tag, and an NFC tag to receive selection information of the item Making;
That includes, authentication data and application-based proxy service providing method.

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