KR20130016145A - The security online payment system and those methods based on two dimensions code scanning with a device containing encrypted payment authentication information - Google Patents

Abstract

PURPOSE: A two dimensional code scan through a terminal including encoded payment authentication information, an online security payment system, and a method are provided to perform payment by scanning a code including payment information. CONSTITUTION: A storage unit(101) stores information for authentication and payment of a payer(110). A generation unit(102) generates a code(111) including payment information. A database unit(103) stores code information, identification information of the payer, and seller information. A scanning unit(105) extracts data of the code by scanning the code. A terminal unit(106) generates one payment unit(104). A verification unit(107) verifies the information by reception of the payment unit. A display unit displays the code. [Reference numerals] (101) Storage unit; (102) Generation unit; (103) Database unit; (104) Payment unit; (105) Scanning unit; (106) Terminal unit; (107) Verification unit; (108) Display unit; (109) Sale subject; (110) Payer; (111) Code; (112) Financial institution server

Description

Two-dimensional code scanning through a terminal including encrypted payment authentication information, online secure payment system and method thereof based on the same

Embodiments of the present invention relate to a secure payment system and method using a code containing payment information as a data transmission medium, and specifically, the payment information is encrypted and securely authenticated by scanning a code containing payment information through a terminal stored with the authentication information of the payer encrypted. A payment system and a method for performing a payment are provided.

In the existing payment system, the authentication process, such as the possession of a card when offline or the input of information such as a card number and a password expiration date, is a bit tricky.In the existing payment agency system, user authentication, credit, and payment information are handled by a payment agent. There has been a problem of information leakage stored in the server. In the present invention, by reducing such a procedure, a payment method and system that is simple and does not have a risk of information leakage, and specifically a personal payment terminal according to the dissemination of a terminal such as a smartphone equipped with a computing function such as a camera and storage, encryption, etc. By installing a dedicated application such as authentication information, financial means, etc. necessary for payment and encrypting and storing the code generated by the sales agent through the sales information to the authentication and payment process by scanning the payment code through the camera of the terminal. .

Embodiments of the present invention are to solve the problem that the information is stored in the payment agent server by storing the encrypted user authentication, credit, payment information to leak the information, the code containing the payment information through the terminal The payment is made through a scan to provide a comfortable and secure payment environment to the payer.

In the system for performing the payment according to an embodiment of the present invention,

Before the payment, the storage unit for receiving and encrypting the information for the authentication and payment of the payer in advance , the storage unit for generating the code containing the payment information according to the rules using the payment information entered by the sales agent, the code A database unit for storing and managing information about the payment information and identification information of the payer and seller information, a payment unit unit including data of the code and information for encrypted authentication and payment of the storage unit, and scanning the generated code A scan unit for extracting data of a code, the storage unit and the scan unit, and generating and transmitting one payment unit unit by combining the scanned data of the code and information for authentication and payment of an encrypted payer of the storage unit The terminal unit to receive the payment unit unit transmitted from the terminal unit and refer to the database unit A verification unit for processing verification and payment, and displaying the code so that the scan unit can scan and displaying information received from the verification unit at the time of scanning.

In the method of performing the payment according to an embodiment of the present invention,

Before the payment, the storage step of receiving and encrypting the information for the authentication and payment of the payer in advance, the storage step, the generation step of generating a code containing the payment information according to the rules using the payment information entered by the sales agent, in the code A database for storing and managing information about the payer, identification information and seller information of the payer, a payment unit including data of the code and information for encrypted authentication and payment of the storage step, and scanning the generated code. Scanning step of extracting the data of the data, including the storage step and the scanning step, the data of the scanned code and the information content for the authentication and payment of the encrypted payer of the storage step by combining to generate a single payment unit A terminal step of transmitting, the database receiving the payment unit transmitted from the terminal step Reference to display so that the verification step, the scanning step the code to handle the validation and billing can be scanned and includes a display step of displaying the information received from the verification step of the scanning.

Embodiments of the present invention can provide a convenient and secure payment environment to the payer by paying by scanning the code containing the payment information, the encrypted authentication information is stored in a personal terminal rather than a server, payment server.

1 is a diagram illustrating a two-dimensional code scan through a terminal including encrypted payment authentication information and an online secure payment system based on the same according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to or limited by the embodiments. Also, like reference numerals in the drawings denote like elements.

1 is a diagram illustrating a two-dimensional code scan through a terminal including encrypted payment authentication information and an online secure payment system based on the same according to an embodiment of the present invention.

Referring to FIG. 1, a two-dimensional code scan through a terminal including encrypted payment authentication information according to an embodiment of the present invention, and the online secure payment system 100 based thereon performs authentication and payment of the payer 110 before payment. The storage unit 101 receives the information for encryption in advance and stores it, in which the storage unit 101 is required for payment through the personal, financial authentication information, card, bankbook and terminal unit 106 of the payer 110. It is characterized in that the unique identification information of the) is encrypted and stored through the public key of the encryption method selected for communication with the verification unit 107. Generation unit 102 for generating a code 111 containing the payment information in accordance with the rule using the payment information entered by the sales entity 109, wherein the generation unit 102 is the payment information from the sales entity 109 It is characterized in that for generating the code 111 through the selected rule receives the information on the sales subject 109 including the price, additional information including payment features, expiration date, sales certification number. Database unit 103 for storing and managing information about the code 111, identification information and seller information of the payer 110, the data of the code 111 and the encrypted authentication and payment of the storage unit 101 It includes a payment unit unit 104, the scan unit 105 for scanning the generated code 111 to extract the data of the code 111, the storage unit 101 and the scanning unit 105 including information for Terminal unit 106 for generating and transmitting one payment unit unit 104 by combining the data of the scanned code 111 and the information content for authentication and payment of the encrypted payer 110 of the storage unit 101 In this case, the terminal unit 106 is a camera capable of reading and scanning the code 111, characterized in that the terminal such as a smartphone capable of performing information transmission, reception, and the encryption operation through a communication network. The verification unit 107 which receives the payment unit unit 104 transmitted from the terminal unit 106 and processes the verification and payment with reference to the database unit 103, wherein the verification unit 107 is provided from the terminal unit 106. Receives the received payment unit unit 104 and decrypts the secret key of the selected encryption method, and then refer to the database unit 103 to determine whether the payment unit unit 104 is normal, integrity and financial institution server 112 and Characterized in that the payment is performed through communication. A display unit 108 that receives the code 111 generated by the raw document unit 102 and displays the scan unit 105 for scanning and displays information received from the verification unit 107 during scanning, wherein the display unit ( 108 is a client developed so that the sales entity 109 can input data and send it to the generation unit 102 to receive the generated code, a point of sales (POS) device of an offline merchant including an API, and an online web. It can be a shopping mall.

Embodiments according to the present invention can be implemented in the form of program instructions that can be executed by various computer means can be recorded on a computer-readable medium. The computer readable medium may include a program command, a data file, a data structure, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and floptical disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine code, such as produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa. As described above, the present invention has been described by specific embodiments such as specific components and the like, but the embodiments and the drawings are provided only to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations are possible from these descriptions. Accordingly, the spirit of the present invention should not be limited to the described embodiments, and all of the equivalents and equivalents of the claims as well as the claims below will belong to the scope of the present invention. .

100: Scan two-dimensional code through a terminal including encrypted payment authentication information, online secure payment system based on it
101: storage unit
102: generation unit
103:
104: payment unit
105: scan unit
106: terminal unit
107: verification unit
108:
109: Sales subject
110: payer
111: code
112: financial institution server

Claims (13)

In the system for performing a payment, a storage unit for receiving the encryption and authentication information of the payer in advance before the payment, and storing the encrypted; A generation unit for generating a code containing the payment information according to a rule using the payment information input by the sales entity; A database unit for storing and managing information on the code, identification information of the payer, and seller information; A payment unit unit including data of the code and information for encrypted authentication and payment of the storage unit ; A scan unit which scans the generated code and extracts data of the code; A terminal unit including the storage unit and the scan unit, generating and transmitting one payment unit unit by binding the scanned data of the code and information for authentication and payment of an encrypted payer of the storage unit ; A verification unit which receives the payment unit transmitted from the terminal unit and processes verification and payment with reference to the database unit ; A display unit which displays the code so that the scan unit can scan and displays information received from the verification unit at the time of scanning; Scan the two-dimensional code through the terminal, including the encrypted payment authentication information, the online secure payment system based on it.

The encryption key of claim 1, wherein the storage unit selects the personal information of the payer, the financial authentication information, the card, the information necessary for payment through the bank account, and the unique identification information of the terminal unit to communicate with the verification unit. Scanning two-dimensional code through a terminal including encrypted payment authentication information, characterized in that the encrypted through the storage, online secure payment system based on it.
The rule of claim 1, wherein the generation unit receives the selected rule by receiving the price of the payment information, additional information including payment characteristics, expiration date, and information on the sales entity including a sales certification number from the sales entity. A two-dimensional code scan through a terminal comprising encrypted payment authentication information, characterized in that generating the code via, an online secure payment system based thereon.
The terminal of claim 1, wherein the terminal unit including the storage unit and the scan unit is a camera capable of reading and scanning the code, a terminal such as a smartphone capable of performing information transmission, reception, and encryption operation through a communication network. Scanning a two-dimensional code through a terminal including encrypted payment authentication information, characterized in that the online secure payment system based on it.
The encrypted payment authentication information of claim 1, wherein the code comprises a Quick Response code, a Mexican code, a Data Matrix, a PDF417, or a selected two-dimensional barcode. Two-dimensional code scanning through the terminal, including online secure payment system based on it.
The method of claim 1 or 2, wherein the verification unit receives the payment unit received from the terminal unit and decrypts the secret key of the selected encryption method after referring to the database unit to check the normality and integrity of the payment unit unit A two-dimensional code scan through a terminal including encrypted payment authentication information, characterized in that the payment is made through communication with a financial institution server, and the online secure payment system based thereon.
In the system for performing a payment, a storage step of receiving and encrypting and storing the information for authentication and payment of the payer in advance before the payment; A generation step of generating a code containing the payment information according to a rule by using the payment information input by the sales entity; A database for storing and managing information on the code, identification information of the payer, and seller information; A payment unit including data of the code and information for encrypted authentication and payment of the storage step; A scanning step of scanning the generated code to extract data of the code; A terminal step including the storing step and the scanning step and generating one payment unit by combining the scanned data of the code and information for authentication and payment of the encrypted payer in the storing step; A verification step of receiving the payment unit transmitted from the terminal step and processing verification and payment with reference to the database; A display step of displaying the code so that the scanning step can scan and displaying information received from the verification step when scanning; Scan the two-dimensional code through the terminal including the encrypted payment authentication information, the online secure payment method based on it.
8. The method of claim 7, wherein the storing step comprises an encryption method selected for communicating with the verifying step the personal information of the payer, the financial authentication information, the card, the information necessary for payment through the bankbook and the unique identification information of the terminal step. Scanning two-dimensional code through a terminal including encrypted payment authentication information, characterized by encrypting and storing through a public key, and online secure payment method based thereon.
The rule of claim 7, wherein the generating step receives the selected information from the sales entity by receiving the price of the payment information, additional information including payment characteristics, an expiration date, and information on the sales entity including a sales certification number. Scanning the two-dimensional code through the terminal containing the encrypted payment authentication information, characterized in that for generating the code through, online secure payment method based on it.
The mobile terminal of claim 7, wherein the terminal step including the storing step and the scanning step includes a camera capable of reading and scanning the code, a smartphone capable of transmitting and receiving information through a communication network, and performing the encryption operation. Scanning a two-dimensional code through a terminal including the encrypted payment authentication information, characterized in that the terminal of the online secure payment method based thereon.
The encrypted payment authentication information of claim 7, wherein the code comprises a QR code, a Mexican code, a data matrix, a PDF417, or a selected two-dimensional barcode. Scan two-dimensional code through the included terminal, online secure payment method based on it.
The method according to claim 7 or 2, wherein the verification step receives the payment unit received from the terminal step, decrypts the payment unit with the selected encryption method, and then references the database to determine whether the payment unit is normal or not. Scan the two-dimensional code through the terminal including the encrypted payment authentication information, characterized in that the payment is carried out by communicating with the financial institution server, the online secure payment method based thereon
A recording medium having recorded thereon a program which can be read by the payment authentication system by implementing instructions executable by the payment authentication system by the method of any one of claims 7 to 12.