KR20130113298A - Method recognition automatically and assured payment system using mobile phones - Google Patents

Abstract

PURPOSE: A mobile safety payment system and a method thereof are provided to offer convenience to a buyer by minimizing information in which the buyer has to input. CONSTITUTION: A seller member store which registers to a safety payment system installs a barcode (42) in which a member store number and a subordinate number are recorded on the predetermined position or a quick response (QR) code on the predetermined position or a seller possesses the barcode or the QR code. Member store information which is recorded when a camera which is mounted on a buyer cellular phone (20) takes a picture of the barcode or the QR code is deciphered. The kind and price of a product which is able to be purchased from the seller member store are indicated on the buyer cellular phone by automatically finding a member store with the deciphered information.

Description

Reliable payment system using mobile phone and its payment method {Method recognition automatically and assured payment system using mobile phones}

According to the present invention, a person who has to perform a payment (hereinafter referred to as a 'buyer') uses a mobile phone to a person who receives a payment (hereinafter referred to as a 'seller') such as TV home shopping, a shopping mall, a restaurant, or a delivery company, using various mobile cards and cash. Card (hereinafter referred to collectively as 'card'), and the seller of the patent No.1078173 pre-registered by the applicant who can immediately confirm the payment by mobile phone, computer, PD (hereinafter referred to as 'payment receiving terminal') The present invention relates to an improved patent for a secure payment system using a mobile phone.

More specifically, a barcode or QR code recorded with a merchant number and a dependent number is attached to an appropriate position such as the top of a table, and a barcode photographed when the barcode and QR code are photographed using a camera installed in a mobile phone possessed by a purchaser. And the QR code is decoded and searched to find the merchant automatically, the merchant's information (merchant number, menu, price) is displayed on the buyer's mobile phone to make orders and payments to minimize the information entered by the buyer is convenient to the buyer The present invention relates to a secure payment system using a mobile phone to provide and increase efficiency.

In addition, the present invention is displayed on the screen requesting the payment amount, the card type, card number, expiration date, card password and signature on the buyer's mobile phone when the card payment request using the mobile payment system using a mobile payment, It is related to the payment method of the secure payment system using a mobile phone mobile to increase the security by entering the card password and signing through the mobile phone possessed by the purchaser by ensuring that the card password matching and signing is completed.

The secured payment system using the mobile phone mobile of the patent No.1078173 (registration date: October 24, 2011), which the applicant has pre-registered, the purchaser (payer) of the credit card (cash) card with his own mobile phone in the secure payment system Check the payment information (purchase history, amount) displayed by saving the information, accessing the secure payment system on the buyer's own mobile phone, and entering the information (merchant number + dependent number) of the seller (payer). The secure payment system transmits and receives the approval result requested by the buyer to the mobile phone of the buyer by communicating with the card company and the financial company server, and the mobile phone that can be transmitted to the seller in real time through a payment receiving terminal such as a mobile phone, a computer, or a PDA. It provides a card payment system using a mobile and a card payment method using the system.

As described above, the applicant has previously registered Patent No. 10717373, which does not provide the seller's information to the seller, but recognizes the seller's information and transfers it to a secure payment system, or uses a near field communication chip (NFC). By using this, the information provider for payment can be switched from the previous buyer (card) to the seller (merchant number, subordinate number) to prevent the buyer from exposing the information, and the seller does not need to install a separate payment terminal. By minimizing wasted time and time, it is available to most sellers and buyers, allowing them to quickly spread the use of cell phone mobile cards.

In other words, the applicant's pre-registered patent allows the purchaser to access the payment system using a mobile phone, the order of goods and payment by card only by entering the merchant number and subordinate number of the seller.

In particular, the applicant's pre-registered patent is to install the merchant information chip (NFC), which stores the merchant information with the merchant number and subordinate number, fixed to the table, taxi, etc. of the restaurant, and recorded in the merchant information chip on the mobile phone possessed by the buyer The built-in or external payment information recognition chip (NFC), which automatically reads the registered information, that is, the merchant number and the dependent number to check the payment information, eliminates the inconvenience of entering the merchant number and the dependent number. It provides the effect of increasing the reliability and convenience of the payment system using a mobile phone mobile.

However, the applicant's pre-registered patent does not have the payment information recognition chip (NFC) installed on the mobile phone possessed by the purchaser or the payment information recognition chip (NFC) cannot be used in the case of online payment, so the user must enter the merchant number. By input, there is a problem that is somewhat cumbersome in use.

The present invention has been made to solve the problems of the patent applicant 10717373 pre-registered by the applicant as described above, the QR code (bar code) in which the merchant information of the merchant number and dependent number (table number, etc.) is recorded in a proper position When the QR code (bar code) is photographed using a camera installed in the mobile phone possessed by the buyer, the merchant information is automatically found by decrypting the information of the captured QR code (bar code). It is a technical task to make the order and the card payment to be made to provide the convenience to the buyer by minimizing the information to be entered by the buyer and to spread the safe payment system more quickly.

In addition, the present invention, in the secure payment system using a mobile phone mobile phone with a secure payment system to request the payment amount, card type, card number, expiration date, card password and signature to the buyer mobile phone when the card payment request The screen is displayed, and the technical challenge is to increase the security by allowing payment approval to be completed only when the card password matching and signing is completed.

The present invention provides a buyer's mobile phone that performs card payment with a mobile phone, a card company and a financial company server that allows card approval of the buyer's mobile phone, and a seller's payment receiving terminal for checking the payment status in real time with a card approval request of the buyer's mobile phone, In the secure payment system using a mobile phone mobile equipped with a secure payment system for relaying the information necessary for payment between the buyer's mobile phone, seller payment receiving terminal, card company and financial company server, and provides a screen for payment,

At a predetermined position of the merchant registered in the secure payment system, a barcode or QR code recorded with the merchant number and the dependent number is installed at a predetermined position or held by the seller, and recorded when the barcode or QR code is photographed by a camera mounted on the mobile phone of the buyer. Read the affiliated store information, and search as the read information to automatically find the affiliated store and display the information on the purchaser's mobile phone.

As another embodiment of the present invention, a buyer mobile phone for performing a card payment with a mobile phone, a card company and a financial company server allowing the card approval of the mobile phone, and a seller payment for real time checking the payment status with a card approval request of the mobile phone. In the secure payment system using a mobile terminal with a mobile terminal equipped with a receiving terminal, a secure payment system for relaying the information necessary for payment between the buyer's mobile phone, the seller's payment receiving terminal, card company and financial company server, and provides a screen for payment,

When requesting a card payment, a screen for requesting payment amount, card type, card number, expiration date, card password and signature will be displayed on the buyer's mobile phone. It features.

The present invention attaches a QR code (bar code) in which the merchant information of the affiliate store number and subordinate numbers are recorded at an appropriate location, and shoots the QR code (bar code) using a camera installed in a mobile phone possessed by a purchaser, thereby ensuring a secure payment system. When transmitting to the buyer, by decoding the QR code (bar code) photographed by the secure payment system, the merchant is automatically found and the merchant's information is displayed on the buyer's mobile phone so that orders and payments can be made. In addition to providing convenience to users, most buyers who do not have NFC installed on their mobile phones are also available, and sellers can install QR codes at no additional cost, effectively operating a secure payment system. You can do it.

1 is a conceptual diagram of a secure payment system using a mobile phone mobile applied to the present invention.
2 is a block diagram of a process in the secure payment system using a mobile phone applied to the present invention.
Figure 3a and Figure 3b is a bar code and QR code installation state is recorded merchant information.

When described in detail below with reference to Figures 1 to 3b and screens 1 to 13 attached to the secure payment system using the mobile phone mobile according to the present invention.

1 is a conceptual diagram of a secure payment system using a mobile phone mobile phone applied to the present invention, the information stored in the credit card, cash (cash) card in the secure payment system 10 with the mobile phone owned by the buyer himself, Buyer mobile phone 20 for performing the payment as the card information stored in the secure payment system 10,

A payment receiving terminal such as a mobile phone, a computer, or a PDA performs a merchant registration in a secure payment system 10 and sends a settlement approval request to the buyer's mobile phone 20 via a secure settlement system 10, (40)

A credit card company and a financial company server 30 for authorizing payment to the seller who owns the seller payment receiving terminal 40 when the payment approval is requested through the secure payment system 10 by the buyer's mobile phone 20,

It is possible to relay all the information necessary for payment between the buyer's mobile phone 20 and the seller's payment receiving terminal 40 and between the card company and the financial company server 30, And a secure payment system 10 for encrypting and storing mutual payment information.

FIG. 2 is a block diagram of a secure payment system 10 according to the present invention. The information management process 11, the customer management process 12, the payment execution process 13, the SMS sending process 14, A location information process 16, a data transfer process 17, a bar code and QR code analysis process 18, as shown in Fig.

The information management process 11 includes an input / output management process for confirming and storing information inputted to the buyer's mobile phone 20 or the seller's payment receiving terminal 40 and a serial number of a payment receiving terminal such as a mobile phone, A password information process for encrypting and storing the user information, and an analysis execution process for matching each process and extracting and inserting necessary information.

The customer management process 12 stores and manages the information of the buyer's mobile phone 20 and the seller's payment receiving terminal 40 and requires a phone page or a home page and is automatically executed. Is a process of retrieving data stored in the customer management process 12 at the time of inputting a telephone number and a mutual input so as to search for an affiliated shop so that the merchant can be easily found.

That is, when the purchaser's mobile phone 20 accesses the secure payment system 10, it recognizes and accesses the credit card company and the financial company server 30 through the analysis execution process and stores them in the information management process 11, The phone page of the purchaser mobile phone 20 is outputted at the same time as the output of the phone page of the purchaser mobile phone 20 and the seller's payment receiving terminal 40 .

The payment execution process 13 is a process of extracting necessary information from the information management process 11 and exchanging information with the card company and the financial company server 30 as well as contents for exchanging information with the purchaser's cellular phone 20 or the seller's payment reception terminal 40 And extracts necessary information from the information management process 11 and extracts the necessary information from the phone and home process 15 and the SMS sending process 14 And automatically executes the input and execution in the ranks of the buyer's mobile phone 20 or the seller's payment receiving terminal 40 in real time.

The SMS sending process 14 is a function of automatically transmitting character information to the buyer's mobile phone 20 and the seller's payment receiving terminal 40. The SMS sending process 14 includes a buyer's mobile phone 20 executing a secure payment system 10, And recognizes the progress of the receiving terminal 40 in real time.

The phone and home page process 15 sends all payment proceedings such as payment request information, purchase goods, payment amount, and so on through the secure payment system 10 from the buyer's mobile phone 20 and the seller's payment reception terminal 40 to the phone page Or output it to the screen on the homepage.

In addition, when the payment information is completely input to the purchaser's cellular phone 20 and then transmitted, the card issuer and the financial company server 30 are automatically transmitted and received by the analysis execution process and stored in the information management process 11, Phone and home page processes 15, and at this time, the phone page of the buyer mobile phone 20 is outputted not only in the ripple output of the phone page but also on the homepage of the seller payment receiving terminal 40.

The location information process 16 is for providing merchant information of the seller to the purchaser promptly using the same location coordinates of the buyer's mobile phone 20 and the seller's payment receiving terminal 40 to facilitate payment.

That is, the merchant payment receiving terminal 40, which is an affiliate shop, is a certain place, and the buyer's mobile phone 20 moves but recognizes the coordinates to access the phone page when purchasing (payment) or searching, And automatically displays the information of the seller payment receiving terminal 40 on the phone page in the analysis execution process.

Therefore, when the user connects to the safe payment system 10 without inputting the merchant number into the purchaser's mobile phone 20, the merchant's mobile phone 20 (20) matches the coordinates of the coordinates recognized in the analysis execution process, When the buyer selects the merchant to be paid out from the merchant points displayed on the phone page of the buyer's mobile phone 20, the merchant information necessary for payment is automatically displayed and only the payment amount is inputted. It is easy to do.

Particularly, when the seller payment receiving terminal 40 using a computer (hereinafter referred to as "POS computer") equipped with a POS program is linked to the safe payment system 10, When a number (for example, a table number for a restaurant, a delivery number for a delivery business, etc.) is given, not only the merchant information necessary for payment but also the details of the goods to be paid and the amount of money can be confirmed.

The barcode and QR code analyzing process 18 reads the barcode and the cue code captured when the barcode and the cue code attached to the proper location of the merchant are photographed using the camera installed in the buyer's cellular phone 20, The information of the merchant is displayed on the buyer's mobile phone 20 by automatically searching for the merchant in cooperation with the customer management process 12 after the reading, .

The data transfer process 17 transfers all information exchanged between the buyer's mobile phone 20, the credit card company, the financial company server 30 and the seller's payment receiving terminal 40 to the public communication network of the mobile phone and the Internet in the secure payment system 10 Or a communication port that can receive data.

As described above, there is a secure payment system 10, the buyer mobile phone 20, the card company and the financial company server 30, the seller payment receiving terminal 40, the secure payment system 10 is an information management process (11), Customer management process 12, payment execution process 13, SMS sending process 14, phone and homepage process 15, location information process 16, bar code and QR code analysis process 18, data transmission process ( Referring to Figures 1 to 7 attached to the payment method of the safe payment system using a mobile phone made of 17) as follows.

The secure payment method using the mobile phone mobile according to the present invention includes a buyer registration process for obtaining authentication in the secure payment system 10 through the purchaser's mobile phone 20 and a secure payment system 10 And a secure settlement process is performed between the buyer's mobile phone 20 and the seller's payment receiving terminal 40 in a state where the buyer registration process and the seller registration process are completed.

In the present invention, the purchaser registration process and the seller registration process are described in detail in Patent No. 1081173 pre-registered by the applicant, so detailed description thereof will be omitted. However, when performing the purchaser registration process of the present invention, the barcode and QR code analysis process 18 is performed. The barcode and QR code analysis program is automatically installed on the purchaser's mobile phone 20 by the buyer. do.

3A is an exemplary view of attaching a barcode 42 on a table located in an affiliated store of a seller, and FIG. 3B is an exemplary view of attaching a QR code 43 to the barcode 42 and the QR code 43. Merchant number and subordinate number (seat number of restaurant, room number of karaoke room, hotel number of hotel, product number of shopping mall and home shopping, car number (or company designated number) are recorded, such barcode (42) and QR code) The process of automatically searching, ordering and paying merchants using 43 is as follows.

First, Figure 4 (a) is a state diagram of the initial screen in the state registered in the secure payment system 10 using the buyer mobile phone 20 possessed by the user, when the power of the mobile phone is connected to the secure payment system 10 The screen 1 below including a safe payment icon is displayed, and when the buyer touches the safe payment icon to access the safe payment system 10 in this state, the safe payment system 10 is displayed as shown in screen 2 below. ) Various items that can be operated in the safe payment system 10 are displayed.

     [Screen 1] [Screen 2]

In this state, when the order item displayed on screen 2 is touched for ordering and paying for food, a means for finding a merchant is displayed as shown in screen 3 below.

Here, the means for finding a merchant include a direct input method, a merchant information chip (NFC) tag method, and a camera recognition method of photographing a QR code.

The direct input method is to directly enter the merchant number of the merchant as shown in the screen 4 below, or enter any one of the merchant registration number, telephone number, trade name of the merchant, or by searching the list of merchants that the buyer previously visited If any one of them is selected and specified, an affiliated store number corresponding to the inputted and selected affiliated store is automatically input, and the affiliated store is searched as the entered affiliated store number.

       [Screen 3] [Screen 4]

In the NFC tag method, a merchant information chip (NFC) in which merchant information of merchant number and subordinate number is recorded is fixedly installed in a table, a taxi, etc. of a restaurant, and is installed in a mobile phone possessed by a buyer or installed in an external area. The information recorded in the affiliated store information chip NFC, that is, the affiliated store number and the dependent number is automatically read and found by the chip NFC.

Since the direct input method and the merchant information chip (NFC) tag method are described in the applicant's pre-registered patent No. 1081173, detailed description thereof will be omitted.

Next, a camera recognition method for recognizing an affiliate store by photographing a QR code (bar code) photographing, which is a subject matter of the present invention, will be described.

When the camera recognition item is touched on the screen displaying the affiliated store recognition means shown in the screen 3, a message to display the QR code (bar code) in the rectangle is displayed as shown in the screen 5 below. As shown in Fig. 1, the camera installed in the mobile phone possessed by the mobile phone owned by the merchant number and subordinate number shown in screen 1 and screen 2 (restaurant seat number, karaoke room number, hotel room number, shopping mall and home shopping product number, car number (Or a number designated by the company)) When the bar code 42 and the QR code 43 are recorded, the image is automatically taken after 2-3 seconds.

At this time, the purchaser mobile phone 20 is installed by the barcode and QR code analysis process 18 when performing the buyer registration process if the barcode 42 and the QR code 43 is photographed in the state connected to the secure payment system (10) The analysis program is automatically performed to extract the affiliate store number and the dependent number recorded in the bar code 42 and the QR code 43 and transmit it to the safe payment system 10.

 [Screen 5] [Screen 6]

In the secure payment system 10, if the merchant number and the dependent number extracted from the barcode 42 and the QR code 43 by the buyer mobile phone 20 is transmitted to the information management process 11 and customer management process 12 By interlocking search, as shown in the screen 7 below, the merchant number corresponding to the merchant number and subordinate number is automatically searched, and the type and price of goods (food) that can be purchased from the found merchant are displayed on the phone page of the buyer's mobile phone 20. .

In this state, when the buyer touches (eg, cappuccino) a corresponding item among the items displayed on the phone page, only the selected item is displayed and a screen for requesting quantity is displayed as shown in screen 8 below.

       [Screen 7] [Screen 8]

After that, the buyer designates the quantity of the item to be purchased by touching the-and + items, and when the item is added to the shopping cart, the type, quantity and payment amount of the item selected by the buyer are displayed as shown in the screen 9 below. When the order item is touched to apply for the selected item, the order is completed as shown in screen 10 below, and a message requesting payment is displayed.

At this time, when the order of the goods is completed by the mobile phone possessed by the purchaser, all the procedures performed at the merchant are displayed on the POS system, which is the seller payment receiving terminal 40 installed in the merchant, and at the seller payment receiving terminal 40. A series of process descriptions that are displayed will be omitted.

       [Screen 9] [Screen 10]

When the payment is executed after the order is completed in the above process, a screen for checking the merchant information and the payment amount and a screen for selecting the type of the card to be used by the buyer are displayed. After confirming and selecting the type of card to be paid, and touching the payment icon, as shown in the screen 11 below, the card information and payment amount are subject to payment, and the card type, card number, and expiration date are automatically On the other hand, a screen for requesting the card password and signature is displayed.

      [Screen 11] [Screen 12]

Thereafter, as shown in screen 12, when the card password and the signature is completed and the payment item is touched, the buyer's mobile phone 20 transmits its payment information to the secure payment system 10, and the secure payment system 10 When the payment information is received from the buyer's mobile phone 20 to perform the authorization request to the card company and financial company server 30, when the approval is completed from the card company and financial company server 30 phone page of the buyer mobile phone 20 As shown in the screen 13 below, a screen indicating that the approval of the payment is completed and at the same time, the seller payment receiving terminal 40 also informs that the buyer corresponding to the subordinate number (table number) is completed and the payment is completed. This is done.

       [Screen 13]

In this way, when the QR code (bar code) in which the merchant information such as the merchant number and subordinate number (table number) is recorded is attached at an appropriate position, and the QR code (bar code) is photographed using a camera installed in the mobile phone possessed by the buyer Decode the photographed QR code (bar code) to automatically find the merchant and the merchant's information is displayed on the buyer's mobile phone so that both orders and payments are made by the buyer or near field communication chip (NFC) is not installed ( Online purchasers who are not able to use NFC can also provide convenience by minimizing the information to be entered, and the seller can also minimize the maintenance costs by operating a secure payment system just by installing QR codes (bar codes).

10: Safe payment system
18: Barcode and QR code analysis process
20: Buyer mobile phone
30: Card companies and financial company servers
42: barcode
43: QR code

Claims (2)

A buyer's mobile phone that performs card payment with a mobile phone, a server of a card company and a financial company that allows card approval of the buyer's mobile phone, a seller's payment receiving terminal that checks the payment status in real time with a card approval request of the buyer's mobile phone, and the buyer's mobile phone In the secure payment system using a mobile phone mobile phone equipped with a secure payment system for relaying information required for payment between the seller payment receiver terminal, card company and financial company server, and provides a screen for payment,
At a predetermined position of the merchant affiliated merchant registered in the secure payment system, a barcode or QR code recorded with the merchant number and the dependent number is installed at a predetermined position or possessed by the seller.
Read the merchant information recorded when the barcode or QR code is taken by the camera mounted on the buyer's mobile phone, search for the merchant automatically by reading the read information so that the type and price of goods that can be purchased from the merchant on the buyer's mobile phone are displayed. Safe payment system using a mobile phone, characterized in that. A buyer's mobile phone that performs card payment with a mobile phone, a server of a card company and a financial company that allows card approval of the buyer's mobile phone, a seller's payment receiving terminal that checks the payment status in real time with a card approval request of the buyer's mobile phone, and the buyer's mobile phone In the secure payment system using a mobile phone mobile phone equipped with a secure payment system for relaying information required for payment between the seller payment receiver terminal, card company and financial company server, and provides a screen for payment,
When requesting a card payment, the buyer's mobile phone will automatically display the payment amount, card type, card number, and expiration date.
The payment method of the secure payment system using a mobile phone, characterized in that the payment approval is completed only when the card password input and the signature input from the buyer's mobile phone is completed.

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