KR20110084001A - Method, apparatus and system for providing payment result - Google Patents

Method, apparatus and system for providing payment result Download PDF

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Publication number
KR20110084001A
KR20110084001A KR1020100004016A KR20100004016A KR20110084001A KR 20110084001 A KR20110084001 A KR 20110084001A KR 1020100004016 A KR1020100004016 A KR 1020100004016A KR 20100004016 A KR20100004016 A KR 20100004016A KR 20110084001 A KR20110084001 A KR 20110084001A
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South Korea
Prior art keywords
payment
mobile communication
terminal
communication terminal
access point
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KR1020100004016A
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Korean (ko)
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이종수
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에스케이 텔레콤주식회사
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Priority to KR1020100004016A priority Critical patent/KR20110084001A/en
Priority to PCT/KR2011/000283 priority patent/WO2011087312A2/en
Publication of KR20110084001A publication Critical patent/KR20110084001A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Computing Systems (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • Finance (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

PURPOSE: A settlement result providing method, apparatus thereof, and system thereof are provided to recognize a corresponding AP(Access Point) through a wireless LAN module of a terminal. CONSTITUTION: An access point(120) recognizes a mobile communications terminal(110) entering into data communications coverage. The access point connects data communication between the mobile communications terminal and a preset server. The access point transmits a terminal identifier of the mobile communications terminal. A payment server(160) activates data communication network between the access point and the mobile communication terminal.

Description

Method, Apparatus and System for Providing Payment Result}

One embodiment of the invention relates to a method, apparatus and system for providing a payment result. More specifically, when a user performs a payment at an affiliated store such as a shop and a restaurant where an access point providing a wireless LAN service is installed, the user recognizes the corresponding access point through a wireless LAN module provided by the user's terminal and completes the payment. The present invention relates to a payment result providing method, apparatus, and system for receiving and managing payment results from a corresponding access point in a wireless LAN method.

In general, the general payment method used by merchants at merchants such as shops and restaurants includes direct and indirect payment methods such as cash payment, credit card and debit card payment. Recently, due to the rapid development of mobile-related technology, a method of paying a payment amount by inputting credit card information, debit card information, and bank account information of a user stored in a mobile terminal is also utilized.

However, in the case of using a conventional payment method, since a receipt in the form of a paper is issued to confirm only the payment fact, the payment in the form of a paper becomes a difficult paper bundle. . That is, the payer is issued a paper receipt when paying with cash or a financial card, and arranges and / or keeps the paper receipt for a certain period of time in order to refund the purchased product or write the purchase history to the household. This should be a lot of inconvenience for the payer.

In order to solve the above problems, an embodiment of the present invention, when a user makes a payment at an affiliated store, such as a store and a restaurant in which an access point is installed, may receive and manage a payment result in a wireless LAN method at no additional cost. The main purpose is to provide a payment result providing method, apparatus and system.

In order to achieve the above object, an embodiment of the present invention recognizes a mobile communication terminal entering data communication coverage, connects data communication between the recognized mobile communication terminal and a predetermined server, An access point (AP) for transmitting a terminal identifier; And activates a data communication network between the access point and the mobile communication terminal based on the received terminal identifier, and when the payment is performed for the subscriber of the mobile communication terminal, the payment result information based on the confirmed payment performance details. It provides a payment result providing system comprising a payment server to be transmitted to the mobile communication terminal through a specific access point identified according to the preset information.

In addition, according to another object of the present invention, the service subscription confirmation unit for confirming the terminal identifier of the mobile communication terminal connected through a specific access point, and confirms whether or not the subscriber of the service corresponding to the confirmed terminal identifier; A network activation unit for controlling a data communication network between the connected mobile communication terminal and the specific access point when the connected mobile communication terminal is a service subscription terminal; A payment performance confirmation unit confirming payment performance for subscribers of the connected mobile communication terminal through a merchant terminal; And a payment result transmission unit configured to transmit payment result information based on the confirmed payment execution history to the connected mobile communication terminal through the specific access point.

In addition, according to another object of the present invention, the step of identifying the terminal identifier of the mobile communication terminal connected through a specific access point; Checking whether a subscriber corresponding to the identified terminal identifier subscribes to a service; If the connected mobile communication terminal is a service subscription terminal, controlling a data communication network between the connected mobile communication terminal and the specific access point to be activated; Confirming payment performance of a subscriber of the connected mobile communication terminal through a merchant terminal; And transmitting the payment result information based on the confirmed payment execution history to the connected mobile communication terminal through the specific access point.

As described above, according to an embodiment of the present invention, when a user makes a payment at an affiliated store, such as a store and a restaurant, in which an access point for providing a WLAN service is installed, a WLAN module provided by a user terminal is provided. Recognizing the corresponding access point, when the payment is completed, it is effective to receive and manage the payment result from the access point in a wireless LAN method. In addition, according to an embodiment of the present invention, when the user receives the payment result from the mobile communication terminal, the user does not use the mobile communication network provided by the mobile communication company, and thus there is an effect that no additional cost occurs, such as SMS.

1 is a block diagram schematically illustrating a payment result providing system according to an embodiment of the present invention;
2 is a block diagram schematically showing an apparatus for providing a payment result according to an embodiment of the present invention;
3 is a flowchart illustrating a payment result providing method according to an embodiment of the present invention;
4 is an exemplary view of receiving a payment result through a specific access point according to an embodiment of the present invention.
Description of the Related Art
110: mobile communication terminal 120: access point
130: Internet network 140: merchant terminal
150: payment server 210: service subscription confirmation unit
220: payment performance confirmation unit 230: payment result transmission unit
240: application status check unit 250: application mounting check unit
260: application driving control unit 270: application providing unit
280: advertising and coupon transmission unit

Hereinafter, some embodiments of the present invention will be described in detail through exemplary drawings. In adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are assigned to the same components as much as possible even though they are shown in different drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In addition, in describing the component of this invention, terms, such as 1st, 2nd, A, B, (a), (b), can be used. These terms are only for distinguishing the components from other components, and the nature, order or order of the components are not limited by the terms. If a component is described as being "connected", "coupled" or "connected" to another component, that component may be directly connected to or connected to that other component, but there may be another configuration between each component. It is to be understood that the elements may be "connected", "coupled" or "connected".

1 is a block diagram schematically illustrating a payment result providing system according to an exemplary embodiment of the present invention.

The payment result providing system according to an exemplary embodiment of the present invention includes a mobile communication terminal 110, an access point 120, an internet network 130, an affiliated store terminal 140, and a payment server 160. .

The mobile communication terminal 110 generally refers to a terminal that performs normal voice call and data communication by wireless communication in conjunction with a mobile communication network (not shown). In addition, the mobile communication terminal 110 is a terminal equipped with a wireless LAN module, and refers to a terminal that can receive various web page data by accessing the Internet network 130 through the mounted wireless LAN module. The mobile communication terminal 110 may be any one of a personal computer (PC) equipped with a wireless LAN module, a notebook computer, a personal digital assistant (PDA) and a mobile communication terminal. It refers to a terminal having a browser capable of communicating with the payment server 160 via the Internet network 130, a memory for storing a payment management application, a microprocessor for executing and controlling a program by executing a program, and the like. do.

On the other hand, the mobile communication terminal 110 may be equipped with a subscriber identification device (not shown) capable of payment. If the mobile terminal 110 supports the subscriber identification device, electronic payment and RF communication with the affiliated store terminal 140 may be performed through tagging of the mounted subscriber identification device. That is, the mobile communication terminal 110 may be any terminal as long as the electronic payment and RF communication with the affiliated store terminal 140 is possible through the mounted subscriber identification device, and any communication computing such as a notebook computer, a mobile communication terminal, a PDA, etc. It can include all of the devices. Here, the subscriber identification device is preferably a SIM or USIM having a memory or a calculation module and storing subscriber identification information, but is not necessarily limited thereto. That is, the subscriber identification device includes an RF tag including at least one or more of unique ID information, membership identification information, and subscriber identification information for identifying the RF tag, and a memory or a calculation module capable of electronic payment, and the mobile communication terminal. Any type of smart card that can be mounted on 110 is available. Here, the RF tag may be any one of a Radio Frequency Intergrated Circuit (RFIC) and a Monolithic Microwave Integrated Circuit (MMIC) that store unique ID information for identifying the RF tag, and the prepaid payment cost information charged in the memory may be set in advance. At least one or more of postpaid payment cost information and subscriber identification information may be stored.

The mobile communication terminal 110 according to an embodiment of the present invention checks whether there is an access point 120 recognized in the vicinity using the mounted WLAN module, and the access point 120 recognized in the vicinity is If present, the recognized access point 120 is displayed on the terminal. If there are a plurality of access points 120 installed in the vicinity and receive signals from each of the access points 120, the mobile communication terminal 110 may display all of the plurality of access points 120 on the terminal. When a specific access point (eg, the signal strength is stronger) 122 is selected by a user's manipulation, data communication with the Internet network 130 may be performed through the selected access point.

On the other hand, the mobile communication terminal 110 according to an embodiment of the present invention can communicate with the Internet network 130 through the access point 120 to communicate, the payment server 160 via the Internet network 130 Communicate with In addition, the mobile communication terminal 110 may download the payment management application from the payment server 160 and install it on the terminal memory. Here, the payment management application is a program for organizing and / or managing payment result information, which may be a virtual machine (VM), but is not necessarily limited thereto. Here, the payment result information may be an electronic receipt including a trade name of a supplier, a business number, a business type, a payment amount, a payment date, and the like. In addition, the mobile communication terminal 110 receives a series of commands allowing activation and activation of the on-board payment management application from the payment server 160 and executes a function of executing the on-board payment management application. That is, the mobile communication terminal 110 drives a payment management application mounted according to a control command of a specific access point 122 among a plurality of access points 120 recognized around the device, and is received through the driven payment management application. Manages payment result information.

The access point 120 is a device for connecting data communication. The access point 120 refers to a device capable of reading a receiving address from the transmitting side information, designating the most appropriate communication path, and then transmitting the data to another communication network. That is, the access point 120 extracts the location of the data, designates the best communication path for the extracted location, redirects the data to the next device along the designated communication path, and shares several lines in a general network environment. You may. Meanwhile, in the present embodiment, the access point 120 may be used as a concept including a router, a repeater, a repeater, and a bridge.

In addition, the access point 120 is a network connection relay point for relaying data between the mobile communication terminal 110 and the Internet network 130, but may be implemented in a wired or wireless manner, but preferably may be implemented wirelessly. That is, the access point 120 is referred to as a coverage that can connect data communication, called an access point zone, and recognizes the wireless LAN module of the mobile communication terminal 110 that enters the access point zone. You can connect the communication. Meanwhile, the access point 120 may connect data communication using at least one communication standard of 802.11, 802.11b, 802.11a, 802.11g, and 802.11n, but this is merely illustrative of the technical idea of the present invention. As those skilled in the art to which the present invention pertains, various communication standards may be used without departing from the essential characteristics of the present invention.

Meanwhile, the access point 120 may be installed at each home or affiliated store. That is, when the terminal located in the area where the access point 120 is installed is equipped with a wireless LAN module, data communication may be connected through the corresponding access point. For example, when a plurality of access points 120 are installed in a large store, a specific service may be provided through the corresponding access point according to a location (area) in which each access point 120 is installed. In this case, the specific access point 122 is installed within a predetermined distance from the affiliated store terminal 140 to perform a data communication between the connected mobile communication terminal 110 and the payment server 160. Of course, the specific access point 122 is not limited to being installed within a predetermined distance from the location of the merchant terminal 140, but after the user makes a payment to the merchant terminal 140, the payment result information in a wireless LAN method. In order to be provided to the mobile communication terminal 110, the specific access point 122 is preferably installed within a predetermined distance from the merchant terminal 140.

In addition, in the present invention, a plurality of access point groups are referred to as an access point 120 and described, and an access point selected by a subscriber from among a plurality of access point groups or associated with the affiliated store terminal 140 is defined as a specific access point ( 122).

The internet network 130 refers to a network capable of transmitting and receiving Internet content (packet data) using an internet protocol using various wired and wireless communication technologies such as an intranet network, a mobile communication network, and a satellite communication network. The internet network 130 may be a closed network such as a local area network (LAN) or a wide area network (WAN) as a network connecting user terminals, but is preferably open such as the Internet. The Internet has many services in the TCP / IP protocol and its upper layers: HyperText Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), and SNMP ( The global open computer network architecture that provides the Simple Network Management Protocol (NFS), Network File Service (NFS), and Network Information Service (NIS).

The affiliated store terminal 140 is a terminal having a memory and a calculation module for payment, but preferably a point of sales (POS) terminal, but is not necessarily limited thereto. Here, the POS terminal is a terminal that manages the products to be sold in real time, and connects the cash register of the merchant store and the computer of the affiliate store headquarters, and the data is immediately inputted upon sale so that the sales management, inventory management and product management can be performed. Say Meanwhile, the affiliated store terminal 140 may include an RF reader capable of recognizing an RF tag, and may perform electronic payment using an RF tag recognized through the provided RF reader. Here, the RF reader recognizes an RF tag existing in a radio frequency recognition region by using a wireless communication technology, converts a signal received from the RF tag into a digital signal, and recognizes identification information of the RF tag included in the digital signal. Process.

If the mobile terminal 110 is equipped with a subscriber identification device, the affiliated store terminal 140 may receive a payment request signal from the mounted subscriber identification device in a contactless manner. Here, the non-contact method is a method of transmitting data wirelessly without using an electrical contact (wired) when transmitting and receiving data between the subscriber identification device and the RF reader of the merchant terminal 140, and between the RF reader and the subscriber identification device. Depending on the distance, there may be a contact type within 2 mm, a reflection type of 1 to 20 cm, about 1 m and about several m. Here, the non-contact method uses electromagnetic induction or microwave when transmitting data, and the proximity type is standardized to ISO 1443. On the other hand, the non-contact type does not cause contact failure because it does not use a contact point, and the internal circuit is less likely to be destroyed by static electricity, and is used in the replacement of commuter passes, tickets and highway passes, and electronic money cards. That is, the affiliated store terminal 140 recognizes the RF tag of the subscriber identification device mounted on the mobile communication terminal 110 through the provided RF reader, and receives the payment request signal from the subscriber identification device in a contactless manner using the RF reader. do. In addition, the affiliated store terminal 140 transmits the payment completion information received from the payment server 160 to the mobile communication terminal 110. In addition, when the affiliated store terminal 140 recognizes the RF tag of the subscriber identification device mounted on the mobile communication terminal 110 as an RF reader, the affiliated store terminal 140 may transmit payment completion information to the mobile communication terminal 110 in a non-contact manner. Of course, the merchant terminal 140 may perform payment by a general financial card and cash without necessarily performing a payment with a mobile communication terminal in a non-contact manner.

The affiliated store terminal 140 performs a function of transmitting the payment performance history of the payment to the payment server 160 according to the input payment method. Here, the input payment means may be cash payment, financial payment card payment and contactless payment. That is, when the merchant terminal 140 pays '20, 000 won 'in cash, the merchant terminal 140 transmits the cash settlement performed for the '20, 000 won' to the payment server 160, and the '30, 000 won 'is paid by the credit card. In this case, the credit card payment performance of '30, 000 won 'is transmitted to the payment server 160. In addition, the affiliated store terminal 140 performs a function of transmitting the membership information including at least one or more information of the mobile communication phone number and membership card information input for the membership point to the payment server 160. Here, the method of inputting the membership information to the merchant terminal 140, the user orally delivers any one of the mobile phone number and membership card information to the clerk operating the merchant terminal 140 for the payment amount or the user It may be a method of directly input any one of the mobile phone number and membership card information through the electronic pad, when the user presents the membership card to the clerk, the clerk inserts the membership card into the merchant terminal 140 to move A method of inputting any one of the communication phone number and the membership card information may be used.

The value-added communication network 150 is a server operated by the value-added communication network operator, and is connected between the merchant terminal 140 connected through the value-added communication network 150 and the payment server 160 connected to the value-added communication network 150 to perform electronic payment and payment. In order to relay the request information of the merchant terminal 140 and transmit and receive data.

The payment server 160 is a concept of an apparatus including at least one server of a card company server, a financial institution server, a transportation institution server, and a mobile payment server that performs electronic payment. Of course, the payment server 160 may be implemented as any one of the card company server, financial institution server, transportation institution server and mobile payment server.

The payment server 160 performs a function of subtracting the cost corresponding to the payment request signal from the prepaid payment cost or the preset postpaid payment cost charged in the subscriber identification device mounted in the mobile communication terminal 110. The payment server 160 activates the network of the specific access point 122 in the connected mobile communication terminal 110 based on the MAC address of the wireless LAN module of the connected mobile communication terminal 110. When payment is performed for the subscriber of the mobile communication terminal 110, the payment result information based on the confirmed payment performance history is transmitted to the connected mobile communication terminal. Here, the MAC address refers to a WLAN card identifier. That is, in computer networking, media access control addresses (Mac addresses), Ethernet hardware addresses, and adapter addresses are unique identifiers attached to most network adapters (NICs), and are numbers that act like the names of specific network adapters. LAN cards on different computers have different names, different MAC addresses, and multiple LAN cards in routers, Ethernet adapters and wireless adapters in the same computer can be applied as well.

That is, the payment server 160 checks the MAC address of the WLAN module of the mobile communication terminal 110 connected through the specific access point 122, and checks whether the subscriber corresponding to the confirmed MAC address subscribes to the service. Perform the function. When the connected mobile communication terminal 110 is a service subscription terminal, the payment server 160 controls the connected mobile communication terminal 110 to activate a network of a specific access point 122 and controls the affiliated store terminal 140. It performs a function of confirming the payment performed for the subscriber of the mobile communication terminal 110 connected through. The payment server 160 transmits the payment result information based on the confirmed payment execution history to the mobile communication terminal 110 connected through the specific access point 122. The payment server 160 receives membership information including at least one or more information of a mobile communication phone number and membership card information input for earning membership points from the affiliated store terminal 140 and uses a previously stored DB (DataBase). When any one of the mobile phone number and the membership card information matches the MAC address, the mobile station performs a function of confirming that the subscriber of the connected mobile communication terminal has made a payment. If the connected mobile communication terminal 110 is a service subscription terminal or the payment of the subscriber of the connected mobile communication terminal 110 is confirmed, the payment server 160 is installed in the connected mobile communication terminal 110. It transmits the activation permission request signal for the management application to the connected mobile communication terminal 110, and checks the application status information based on the activation permission response signal received thereto.

If the connected mobile communication terminal 110 is a service subscription terminal, the payment server 160 checks whether the payment management application is mounted in the connected mobile communication terminal 110 and makes a payment to the connected mobile communication terminal 110. When the management application is mounted, transmits a control command to drive the application, and when the payment management application is not mounted on the connected mobile communication terminal 110, transmits the payment management application to the connected mobile communication terminal 110. It performs the function.

The payment server 160 provides the mobile communication terminal 110 with a one-time password required for installation in the payment management application upon initial transmission of the payment management application to distinguish it from other affiliated stores, and the connected mobile communication terminal 110. If the one-time password received from the authentication is authenticated performs a function to allow the operation of the payment management application. The payment server 160 performs a function of transmitting at least one or more data of a large amount of advertisement data and coupon data related to payment result information to the mobile communication terminal 110 connected through a specific access point 122 in a wireless LAN method. .

2 is a block diagram schematically showing a payment server according to an embodiment of the present invention.

Payment server 160 according to an embodiment of the present invention is a service subscription confirmation unit 210, network activation unit 220, payment performance confirmation unit 230, payment result transmission unit 240, application status confirmation unit ( 250, an application mounting confirmation unit 260, an application driving control unit 270, an application providing unit 280, and an advertisement and coupon transmission unit 290.

In one embodiment of the present invention, the payment server 160 is a service subscription confirmation unit 210, network activation unit 220, payment performance confirmation unit 230, payment result transmission unit 240, application status confirmation unit 250 ), The application mounting check unit 260, the application driving control unit 270, the application providing unit 280 and the advertisement and coupon transmission unit 290, but it is described as being configured as one embodiment of the present invention As merely illustrative of the idea, those skilled in the art to which one embodiment of the present invention belongs, the components included in the payment server 160 without departing from the essential characteristics of one embodiment of the present invention It will be applicable to various modifications and variations with respect to.

The service subscription confirmation unit 210 checks the MAC address of the wireless LAN module of the mobile communication terminal 110 connected through the specific access point 122 and checks whether the subscriber subscribes to the service corresponding to the confirmed MAC address. Perform the function. When the connected mobile communication terminal 110 is a service subscription terminal, the network activation unit 220 performs a function of controlling the network of the specific access point 122 to be activated in the connected mobile communication terminal 110.

The payment performance confirmation unit 230 performs a function of confirming payment performance for the subscriber of the mobile communication terminal 110 connected through the affiliated store terminal 140. The payment performance confirmation unit 230 receives membership information including at least one or more information of a mobile phone number and membership card information input for crediting membership points from the merchant terminal 140 and moves using a pre-stored DB. When any one of the communication phone number and the membership card information matches the MAC address, the subscriber checks that the subscriber of the connected mobile communication terminal has made a payment. The payment result transmitter 240 transmits the payment result information based on the confirmed payment performance history to the mobile communication terminal connected through the specific access point 122.

The application state checking unit 250 is mounted on the connected mobile communication terminal 110 when the connected mobile communication terminal 110 is a service subscription terminal or when payment is performed for the subscriber of the connected mobile communication terminal 110. It transmits the activation permission request signal for the payment management application to the connected mobile communication terminal 110, and checks the application status information based on the activation permission response signal received thereto. When the connected mobile communication terminal 110 is a service subscription terminal, the application mounting confirmation unit 260 performs a function of checking whether the payment management application is mounted in the connected mobile communication terminal 110. When the payment management application is mounted on the connected mobile communication terminal 110, the application driving control unit 270 transmits a control command to drive the application mounted on the mobile communication terminal 110. If the payment management application is not mounted on the mobile communication terminal 110, the application providing unit 280 transmits the payment management application to the connected mobile communication terminal. The application provider 280 provides a one-time password required for installation to the payment management application to the connected mobile communication terminal 110 when the payment management application is first transmitted to distinguish it from other affiliated stores, and is connected to the mobile communication terminal 110. When the one-time password received from the) is authenticated, the payment management application is allowed to run.

The advertisement and coupon transmission unit 290 is a function of transmitting at least one or more of the large-scale advertising data and coupon data related to the payment result information to the mobile communication terminal 110 connected through a specific access point 122 in a wireless LAN method. Do this.

3 is a flowchart illustrating a payment result providing method according to an embodiment of the present invention.

When the wireless LAN module of the mobile communication terminal 110 is activated by a user's operation or command, the mobile communication terminal 110 searches whether there is an access point 120 recognized in the vicinity. When the user enters the coverage where the access point 120 can connect data communication, the mobile communication terminal 110 recognizes the corresponding access point 120 and displays it on the display of the mobile communication terminal 110 (S310). .

The specific access point 122 that communicates with the affiliated store terminal 140 among the plurality of access points 120 transmits the MAC address of the connected mobile communication terminal 110 to the payment server 160 (S320). The payment server 160 receives the MAC address of the WLAN module of the mobile communication terminal 110 connected through the specific access point 122 and checks whether the subscriber subscribes to the service corresponding to the received MAC address (S322). ). Here, the MAC address refers to a WLAN card identifier. In computer networking, media access control addresses (Mac addresses), Ethernet hardware addresses, and adapter addresses are unique identifiers attached to most network adapters (NICs).

The payment server 160 allows the network of the specific access point 122 to be activated in the mobile communication terminal 110 connected through the specific access point 122 when the connected mobile communication terminal 110 is a service subscription terminal. The control command is transmitted to the specific access point 122 (S324), and the specific access point 122 transmits a control command to the mobile communication terminal 110 to activate the received network (S326). Here, in order for the user to make payment to the merchant terminal 140 and receive the payment result information to the mobile communication terminal 110 in a wireless LAN method, the specific access point 122 is within a predetermined distance from the merchant terminal 140. It is preferable to install.

The mobile communication terminal 110 receives a control command for activating the network of the specific access point 122 and then activates the network of the specific access point 122 among the recognized plurality of access points 120 (S330). The specific access point 122 transmits network state information with the mobile communication terminal 110 to the payment server 160 (S332). The payment server receives network state information from the specific access point 122 and recognizes a network activation state between the mobile communication terminal 110 and the specific access point 122.

The affiliated store terminal 140 performs a payment according to the input payment method (S340), and transmits the payment performance details and membership information to the payment server 160 (S342). That is, the merchant terminal 140 when the membership information including at least one or more information of the mobile communication phone number and membership card information for the membership points earned for the payment amount is entered, the input membership information and payment performance history Together with the payment server 160 is sent.

The payment server 160 receives payment performance details and membership information from the merchant terminal 140, and any one of the mobile communication phone number and the membership card information included in the membership information is matched to the MAC address using a pre-stored DB. In this case, the subscriber of the connected mobile communication terminal confirms that the payment has been made (S344).

The payment server 160 transmits a request signal indicating whether the payment management application is loaded to the specific access point 122 to the mobile communication terminal 110 on which payment was made (S348), and the specific access point 122 performs payment. The mobile communication terminal 110 transmits a request signal whether the payment management application is loaded (S350).

The mobile communication terminal 110 receives a request signal indicating whether the payment management application is loaded from the specific access point 122 and transmits a response signal indicating whether the payment management application is loaded to the specific access point 122 (S352). ). The specific access point 122 transmits a response signal indicating whether the payment management application is loaded to the payment server 160 (S354).

The payment server 160 checks whether the payment management application is mounted in the mobile communication terminal 110 based on the response signal of the payment status of the payment management application received from the mobile communication terminal 110 (S356). As a result of checking in step S356, when the payment management application is not installed in the mobile communication terminal 110, the payment server 160 accesses a message or a command for allowing the mobile communication terminal 110 to download the payment management application. The data is transmitted to the point 122 (S358). The specific access point 122 transmits a message or command to download the payment management application to the mobile communication terminal 110, and transmits the payment management application from the payment server 160 according to the command of the mobile communication terminal 110. Connect the data communication to download (S360).

On the other hand, when the check result of step S356, when the payment management application is mounted on the mobile communication terminal 110, the payment server 160 transmits a start permission command for the payment management application to the specific access point (122) (S362). . The specific access point 122 transmits an activation permission command for the payment management application to the mobile communication terminal 110 (S364). The payment server 160 transmits payment result information based on the payment performance history received from the affiliated store terminal 140 to the specific access point 122 to the mobile communication terminal 110 (S366). The specific access point 122 transmits the payment result information to the mobile communication terminal 110 (S368).

When the mobile communication terminal 110 receives the payment result information from the specific access point 122, the mobile communication terminal 110 drives the mounted payment management application, and the payment management application applies the received payment result information (S370). That is, the mobile communication terminal 110 may automatically drive the payment management application upon receiving the payment result information, and display the payment result information through the payment management application. In addition, the mobile communication terminal 110 may accumulate and store received payment result information on a payment management application. Here, the payment result information may be an electronic receipt including a trade name of a supplier, a business number, a business type, a payment amount, a payment date, and the like.

The mobile communication terminal 110 transmits a reception success response signal for receiving payment result information to a specific access point 122 (S372), and the specific access point 122 transmits a reception success response signal to the payment server 160. (S374).

In FIG. 3, steps S310 to S374 are described as being sequentially executed. However, this is merely illustrative of the technical idea of an embodiment of the present invention, and the general knowledge in the technical field to which an embodiment of the present invention belongs. Those having a variety of modifications and variations may be applicable by changing the order described in FIG. 3 or executing one or more steps of steps S310 to S374 in parallel without departing from the essential characteristics of an embodiment of the present invention. 3 is not limited to the time series order.

As described above, the payment result providing method according to an embodiment of the present invention described in FIG. 3 may be implemented in a program and recorded in a computer-readable recording medium. A computer-readable recording medium having recorded thereon a program for implementing a method for providing a settlement result according to an embodiment of the present invention includes all kinds of recording devices storing data that can be read by a computer system. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, code, and code segments for implementing an embodiment of the present invention may be easily inferred by programmers skilled in the art to which an embodiment of the present invention belongs.

4 is an exemplary view of receiving a payment result through a specific access point according to an embodiment of the present invention.

As shown in FIG. 4, when a user enters an 'n th access point zone' which is a coverage of a specific access point 122 connected to an affiliated store terminal 140 in an 'access point zone' in which a plurality of access points exist, The payment server 160 may determine the 'nth access point zone' of the connected mobile communication terminal 110 based on the MAC address of the wireless LAN module of the mobile communication terminal 110 connected through the 'nth access point zone'. When the payment is performed for the subscriber of the connected mobile communication terminal 110 while activating the network, the mobile communication terminal 110 accessing the payment result information based on the confirmed payment execution history through the 'n th access point zone' Will be sent.

That is, the first communication point, the second access point, and the third access point may be recognized in the mobile communication terminal 110, but among the plurality of access points recognized by the mobile communication terminal 110. The n th access point connected to the affiliated store terminal 140 transmits the MAC address of the mobile communication terminal to the payment server 160, and the payment server 160 confirms whether the subscriber corresponding to the MAC address subscribes to the service. .

In the above description, all elements constituting the embodiments of the present invention are described as being combined or operating in combination, but the present invention is not necessarily limited to the embodiments. In other words, within the scope of the present invention, all of the components may be selectively operated in combination with one or more. In addition, although all of the components may be implemented in one independent hardware, each or all of the components may be selectively combined to perform some or all functions combined in one or a plurality of hardware. It may be implemented as a computer program having a. Codes and code segments constituting the computer program may be easily inferred by those skilled in the art. Such a computer program may be stored in a computer readable storage medium and read and executed by a computer, thereby implementing embodiments of the present invention. The storage medium of the computer program may include a magnetic recording medium, an optical recording medium, a carrier wave medium, and the like.

In addition, the terms "comprise", "comprise" or "having" described above mean that the corresponding component may be included, unless otherwise stated, and thus excludes other components. It should be construed that it may further include other components instead. All terms, including technical and scientific terms, have the same meanings as commonly understood by one of ordinary skill in the art unless otherwise defined. Terms commonly used, such as terms defined in a dictionary, should be interpreted to coincide with the contextual meaning of the related art, and shall not be construed in an ideal or excessively formal sense unless explicitly defined in the present invention.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

As described above, the present invention is applicable to various fields in which a user receives and manages a payment result in a wireless LAN method at no additional cost when the user makes a payment at an affiliated store such as a store and a restaurant in which an access point is installed. Since it does not use a mobile communication network provided by the carrier, it is a useful invention that produces an effect that no additional cost, such as SMS.

Claims (12)

An access point (AP) which recognizes a mobile communication terminal entering data communication coverage, connects data communication between the recognized mobile communication terminal and a predetermined server, and transmits a terminal identifier of the mobile communication terminal; And
Activate the data communication network between the access point and the mobile terminal based on the received terminal identifier, and if the payment is performed for the subscriber of the mobile terminal, payment result information based on the confirmed payment Payment server to be transmitted to the mobile terminal through a specific access point identified according to the preset information
Payment result providing system comprising a. The method of claim 1,
The affiliated store terminal transmits the payment performance history of the payment according to the input payment method to the payment server,
The mobile communication terminal drives a payment management application mounted according to a control command selected by the subscriber or received through the specific access point associated with the affiliated store terminal, and the payment result received through the driven payment management application. Payment result providing system, characterized in that for managing information. The method of claim 1,
And the particular access point selected by the subscriber or associated with the affiliated store terminal is installed within a predetermined distance from the location of the affiliated store terminal. A service subscription confirmation unit confirming a terminal identifier of a mobile communication terminal connected through a specific access point, and confirming whether a subscriber corresponding to the identified terminal identifier subscribes to a service;
A network activation unit for controlling a data communication network between the connected mobile communication terminal and the specific access point when the connected mobile communication terminal is a service subscription terminal;
A payment performance confirmation unit confirming payment performance for subscribers of the connected mobile communication terminal through a merchant terminal; And
Payment result transmission unit for transmitting the payment result information based on the confirmed payment performance history to the connected mobile communication terminal through the specific access point
Payment result providing apparatus comprising a. The method of claim 4, wherein
The specific access point,
And an access point selected by the subscriber and an access point associated with the affiliated store terminal. The method of claim 4, wherein
The payment performance confirmation unit,
Receives membership information including at least one or more information of the mobile communication number and membership card information input for earning membership points from the merchant terminal, and using the pre-stored DB of the mobile phone number and membership card information If any one matches the terminal identifier, the payment result providing apparatus characterized in that the subscriber of the connected mobile communication terminal confirms that the payment. The method of claim 4, wherein
When the connected mobile communication terminal is a service subscription terminal or payment execution for the subscriber of the connected mobile communication terminal is confirmed, the access permission request signal for the payment management application mounted on the connected mobile communication terminal is connected. Application status confirmation unit for transmitting to the mobile communication terminal, and confirming the application status information based on the start permission response signal received thereto
Payment result providing apparatus using a wireless LAN, characterized in that it further comprises. The method of claim 4, wherein
An application mounting confirmation unit confirming whether or not a payment management application is mounted in the connected mobile communication terminal when the connected mobile communication terminal is a service subscription terminal;
An application driving control unit which transmits a control command to drive the application when the payment management application is mounted in the connected mobile communication terminal; And
If the payment management application is not mounted on the connected mobile communication terminal, the application providing unit for transmitting the payment management application to the connected mobile communication terminal
Payment result providing apparatus using a wireless LAN, characterized in that it further comprises. The method of claim 8,
The application providing unit,
In order to distinguish it from other affiliated stores, the first time the transmission of the payment management application provides a one-time password for installation in the payment management application to the connected mobile communication terminal,
And permitting the operation of the payment management application when the one-time password received from the connected mobile communication terminal is authenticated. The method of claim 4, wherein
Advertisement and coupon transmission unit for transmitting at least one or more data of the large-scale advertising data and coupon data related to the payment result information to the connected mobile communication terminal through the specific access point in a wireless LAN method
Apparatus for providing a payment result, characterized in that it further comprises. The method of claim 4, wherein
The terminal identifier is,
Device for providing a payment result, characterized in that the MAC address (MAC Address) of the wireless LAN module mounted on the mobile communication terminal. Checking a terminal identifier of a mobile communication terminal connected through a specific access point;
Checking whether a subscriber corresponding to the identified terminal identifier subscribes to a service;
If the connected mobile communication terminal is a service subscription terminal, controlling a data communication network between the connected mobile communication terminal and the specific access point to be activated;
Confirming payment performance of a subscriber of the connected mobile communication terminal through a merchant terminal; And
Transmitting payment result information based on the confirmed payment execution history to the connected mobile communication terminal through the specific access point;
The payment result providing method comprising a.
KR1020100004016A 2010-01-15 2010-01-15 Method, apparatus and system for providing payment result KR20110084001A (en)

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KR1020100004016A KR20110084001A (en) 2010-01-15 2010-01-15 Method, apparatus and system for providing payment result
PCT/KR2011/000283 WO2011087312A2 (en) 2010-01-15 2011-01-14 Method for providing a payment service, and system, apparatus, and terminal for same

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130031526A (en) * 2011-09-21 2013-03-29 엘지전자 주식회사 Mobile terminal and control method therof
KR20140121571A (en) * 2013-04-08 2014-10-16 에스케이플래닛 주식회사 System for intergrated authentication, method and apparatus for intergraged authentication thereof

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20130031526A (en) * 2011-09-21 2013-03-29 엘지전자 주식회사 Mobile terminal and control method therof
KR20140121571A (en) * 2013-04-08 2014-10-16 에스케이플래닛 주식회사 System for intergrated authentication, method and apparatus for intergraged authentication thereof

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