KR20140047376A - Agent system and method for payment - Google Patents
Agent system and method for payment Download PDFInfo
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- KR20140047376A KR20140047376A KR1020120113570A KR20120113570A KR20140047376A KR 20140047376 A KR20140047376 A KR 20140047376A KR 1020120113570 A KR1020120113570 A KR 1020120113570A KR 20120113570 A KR20120113570 A KR 20120113570A KR 20140047376 A KR20140047376 A KR 20140047376A
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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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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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
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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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
- G06Q20/30—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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
Payment intermediation system according to the present invention, instead of a bank account or credit card, using the key value of the online ID configurable by a file, or a combination of letters and numbers, even in the PG server that can not directly handle the account information or card information And direct transfers, and minimize the need for additional changes or equipment to handle these payment methods.
Description
The present invention relates to a payment brokerage system and method, and more particularly, to providing a mobile terminal user with an online ID to replace a credit card or bank account, thereby intermediating financial transactions and transfers between the mobile terminals, The present invention relates to a payment brokerage system and method for facilitating commodity and financial transactions in an environment.
With the development of portable terminals, mobile terminals, which are limited to voice calls and web access, have come to perform rudimentary financial settlement by contacting dedicated terminals.
Currently, portable terminals are used for payment in convenience stores and stores where dedicated terminals are installed by embedding chips issued by banks, but there is a limit on the cost that can be paid, and payment cannot be performed where there is no dedicated terminal. In addition, the chip embedded in the mobile terminal has a side that is difficult to process the payment immediately in the account transfer or general commerce.
In Korea, in addition to banks and financial companies such as credit card companies, payment gateway (PG) companies have difficulty in directly handling user account information or card information. Therefore, the payment of the mobile environment is performed by using a USIM chip for user authentication or by using a mobile terminal embedded card certified by a financial company. It is well known that such chips and cards can be used only in stores equipped with a dedicated reader, and are operated at the level of subsidizing card transactions or cash transactions using credit cards within a predetermined limit. . In addition, in the case of such a system, only one credit card can be used. For example, when a credit card having a large discount rate is applied to a specific store or a shopping mall, there is an inconvenience of not being able to apply this benefit. That is, there is a limit that can use only the credit card built in the mobile terminal.
Accordingly, the present applicant is widely used in various financial transactions, and PG company can use card transactions and transfers without using the user's real account number or card information, and the credit card or multiple credit cards can be used to increase user convenience. We would like to propose a payment brokerage system that allows you to select and use a bank account (hereinafter referred to as a 'multi-card').
An object of the present invention is to provide an online ID corresponding to a credit card or a bank account of a mobile terminal user, without the need to expose financial information, the terminal user of the various credit cards of various credit card companies or multiple bank accounts of various banks as needed It is to provide a payment brokerage system that selects which one to use and enables general commerce, bank transfer, and various types of financial transactions.
The payment intermediation system according to a preferred embodiment of the present invention registers financial company information including a card company name or bank name, a card name or a bank account name of the user's mobile terminal user, and phone information of the mobile terminal for payment. Financial company registration module; The mobile terminal displays an interface screen for displaying and selecting a list of cards or bank accounts available for payment when the user logs in to pay for the payment, and the access path to the card company or bank selected by the user of the mobile device. Connection intermediary module provided to the terminal; And a unique key corresponding to the selected credit card or bank account to the financial company server of the selected card or bank account when any one of a plurality of cards or bank accounts displayed on the interface screen is selected by the mobile terminal user. And an online ID management module for requesting card information on an online ID having a value, and obtaining a key value of the online ID generated by the financial institution server according to the request.
The connection brokerage module is characterized in that the mobile terminal performs the payment by replacing one of the credit card and the bank account using the online ID through the provided connection path.
Here, the online ID management module, by presenting the card company or bank account, the user phone information or login information selected by the user's portable terminal to the financial company server, it is preferable to obtain and obtain a one-time online ID issuance.
As a result, a plurality of cards may be used in one card company and a plurality of bank accounts may be used in a single bank, and various card companies, various cards of the corresponding card companies, various banks, and various bank accounts of the bank, that is, multi-cards. Alternatively, by allowing the use of a multi-account, it is possible to enhance user convenience, and since the information of the credit card itself is not used, security can be improved.
In addition, since no card information or bank account information is handled at the mobile terminal level, even if the mobile terminal is lost, the problem of card or account theft does not occur.
In addition, the financial company server, it is preferable to match the information provided in the online ID management module and the generated one-time online ID information and store it.
In addition, more preferably, the financial institution server, if the issued one-time online ID is not used for payment for more than a predetermined time, the issued online ID is destroyed.
Therefore, in addition to the increased security by utilizing the online IKI card, it is possible to improve the security of the entire system by improving the security of the concept of time, and by various card companies or banks, these card companies 'cards or banks' banks By separating and specifying by account, it is possible to solve the problem of previously receiving a certificate for each card or bank or using a specific chip individually, without inputting a device or equipment cost for using a separate multi card or a multi account. Not only is it simple to implement, it is also easy to add another card or bank account in the future.
On the other hand, the payment intermediation system according to another preferred embodiment of the present invention, for payment, financial company information including the card company name or bank name, card name or bank account name of the user of the mobile terminal, and phone information of the mobile terminal; Financial company registration module for registering the; An online ID management module for generating and requesting generation and storage of an online ID matched to each registered card or bank account by providing the financial company information to the financial company server of a card company or a bank registered in the financial company registration module; And an interface screen for displaying and selecting a list of cards or bank accounts available for the payment when logging in to pay for the payment in the mobile terminal, and a connection path to a card company or a bank selected by the user of the mobile terminal. A connection brokering module provided to the portable terminal, wherein the connection brokering module includes the selected card or bank when any one of a plurality of cards or bank accounts displayed on the interface screen is selected by the user of the portable terminal. An online ID matched to an account is specified, and the portable terminal replaces one of the credit card and a bank account using the online ID through the provided access path to make a payment.
In this case, the financial company server, it is preferable to match the information provided by the online ID management module and the generated online ID information and store it.
In this case, the financial institution server, it is preferable to update the issued online ID information by a predetermined time period to provide to the online ID management module.
As a result, a plurality of cards may be used in one card company and a plurality of bank accounts may be used in a single bank, and various card companies, various cards of the corresponding card companies, various banks, and various bank accounts of the bank, that is, multi-cards. Alternatively, by allowing the use of a multi-account, it is possible to enhance user convenience, and since the information of the credit card itself is not used, security can be improved.
In addition, it is possible to improve the security of the entire system by improving the security of the concept of time in addition to increasing the security by using the online ID, by various card companies or banks, by each card company's card or bank account By solving the problem of receiving a certificate for each card or bank or using a specific chip individually by allowing it to be classified and specified, it is possible to simply and without inputting a device or equipment cost for using a multi card or a multi account. Not only can it be implemented, it will be easy to add another card or bank account in the future.
In addition, the user portable terminal, the payment intermediary system, characterized in that to provide a phone number or login information of the user portable terminal to the recipient mobile terminal receiving the cost when the payment.
The receiver mobile terminal may provide a phone number or login information provided by the user portable terminal, and an affiliate store code previously stored in the receiver portable terminal to the financial company server through the connection brokerage module to settle payment. request.
In addition, the user mobile terminal is provided with a NFC (Near Field Communication) chip for short-range wireless communication, when the payment, the recipient mobile terminal receiving the cost using the NFC chip when the phone number of the user portable terminal or It is preferable to provide the login information at the time of login wirelessly.
In addition, the receiver portable terminal is a card reader, the card reader, the phone number or login information of the user portable terminal, the merchant code and merchant information and payment amount information assigned to the card reader through the connection mediation module To provide payment to a financial institution server, request a payment.
In addition, the user portable terminal receives the merchant code and payment cost information from the recipient mobile terminal receiving the cost, using the received merchant code, payment cost information and the online ID information obtained from the online ID management module. Thus, it is preferable to request the payment by providing to the financial institution server through the connection brokerage module.
Therefore, it is possible to increase the user convenience simply by using the same method as that of the existing credit card, that is, payment can be made close to the card reader of the merchant.
On the other hand, the payment brokering method according to a preferred embodiment of the present invention, the financial company information including the user card company name or bank name, and the card name or bank account name, and the login information of the user or the mobile terminal in accordance with the financial company information An information registration step of storing and registering phone information; An information receiving step of receiving the phone information from the mobile terminal of the user; A list display step of displaying a list of financial company information registered to match the phone information received in the information receiving step with the portable terminal; A card selection step of determining whether a card name or a bank account name to be used is selected from the list displayed in the list display step; A card information creation request step of requesting a financial company server of a financial company corresponding to a card name or a bank account name selected in the card selection step to generate card information of an online ID; A card information receiving step of receiving online ID information generated in the financial company server; Payment information receiving step of receiving payment information regarding a payment cost from the user portable terminal; And a payment processing step of transmitting payment information received in the payment information receiving step and online ID information received in the card information receiving step to the financial company server for payment processing.
In addition, the payment processing step, the payment is preferably processed using a card or bank account matching the online ID information received by the financial institution server.
In addition, the online ID is preferably expired when payment is completed or payment is not made for a predetermined time or more.
As a result, a plurality of cards may be used in one card company and a plurality of bank accounts may be used in a single bank, and various card companies, various cards of the corresponding card companies, various banks, and various bank accounts of the bank, that is, multi-cards. Alternatively, by allowing the use of a multi-account, it is possible to enhance user convenience, and since the information of the credit card itself is not used, security can be improved.
In addition, since no card information or bank account information is handled at the mobile terminal level, even if the mobile terminal is lost, the problem of card or account theft does not occur.
In addition, the security of the concept of time can be improved in addition to the increased security by utilizing the online IKI card, and the security of the entire system can be improved. By separating and specifying by account, it is possible to solve the problem of previously receiving a certificate for each card or bank or using a specific chip individually, without inputting a device or equipment cost for using a separate multi card or a multi account. Not only is it simple to implement, it is also easy to add another card or bank account in the future.
On the other hand, the payment intermediation method according to another preferred embodiment of the present invention, financial company information including the user card company name or bank name, and the card name or bank account name, and the login information or the mobile terminal of the user to match the financial company information An information registration step of storing and registering the phone information of the; An online ID generation request step of requesting generation of a plurality of online IDs for each of a plurality of registered cards or bank accounts by providing the financial company information and the phone information to a card company or a bank company server of a bank registered in the information registration step; A card information receiving step of receiving a plurality of online ID information generated in the generating request step; An information receiving step of receiving the phone information from the mobile terminal of the user; A list display step of displaying a list of financial company information registered to match the phone information received in the information receiving step with the portable terminal; A card selection step of determining whether a card name or a bank account name to be used is selected from the list displayed in the list display step; Payment information receiving step of receiving payment information about a payment cost from the user portable terminal; A card discrimination step of determining an online ID matching the card name or bank account name selected in the card selection step among the plurality of cards or bank accounts; And a payment processing step of transmitting the online ID and the payment information determined in the card discrimination step to a financial company server of the selected card company or bank.
In addition, in the online ID generation request step, the financial institution server, it is preferable to store the online ID information and the phone information generated for each of a plurality of cards matched.
In addition, the financial institution server, it is preferable to update and provide the issued online ID information at a predetermined time interval.
As a result, a plurality of cards may be used in one card company and a plurality of bank accounts may be used in a single bank, and various card companies, various cards of the corresponding card companies, various banks, and various bank accounts of the bank, that is, multi-cards. Alternatively, by allowing the use of a multi-account, it is possible to enhance user convenience, and since the information of the credit card itself is not used, security can be improved.
In addition, it is possible to improve the security of the entire system by improving the security of the concept of time in addition to increasing the security by using the online ID, by various card companies or banks, by each card company's card or bank account By solving the problem of receiving a certificate for each card or bank or using a specific chip individually by allowing it to be classified and specified, it is possible to simply and without inputting a device or equipment cost for using a multi card or a multi account. Not only can it be implemented, it will be easy to add another card or bank account in the future.
According to the present invention, when purchasing a product or service using a mobile terminal, it is possible to pay a cost to the other party providing the product or service using the terminal.
You can also select one of several credit card companies and select one of several credit cards from that selected credit card company, or one of several banks and select one of several bank accounts from that selected bank. By granting a multi-card or multi-account function that can be used to select any bank account, for example, it is possible to increase the user convenience by allowing the user to select and use a credit card with a large discount rate for the service to be paid. Can be.
In addition, the addition of a separate equipment for the implementation of such a multi-card or multi-account function can be minimized, there is an advantage that can be added simply used when another credit card or bank account is added later.
In addition, the terminal user can proceed with the financial transaction without exposing the financial information, it is possible to simply make a payment from the terminal without establishing a separate system.
In addition, unlike conventional systems in which payment systems of terminals such as PCs, laptops or tablet PCs and payment systems of mobile terminals such as mobile phones and smartphones are different, payments are made easily in these systems as well as terminals such as PCs as one system. You can proceed.
In addition, even in the case of account transfer, even if the recipient receives the money deposited into the virtual account, it can be easily transferred to his real account without a separate system.
In addition, the system may be applicable to face-to-face payments such as online open market or online account transfer as well as face-to-face payment, in which a user must make a payment directly.
1 illustrates a schematic connection conceptual diagram of a payment brokerage system according to an embodiment of the present invention.
2 illustrates a schematic connection conceptual diagram of a payment brokerage system according to another embodiment of the present invention.
Figure 3 shows a schematic connection conceptual diagram of a payment brokerage system according to another embodiment of the present invention.
4 is a schematic connection conceptual diagram of a payment intermediation system according to another embodiment of the present invention.
5 is a schematic connection conceptual diagram of a payment intermediation system according to another embodiment of the present invention.
6 is a schematic connection conceptual diagram of a payment intermediation system according to another embodiment of the present invention.
7 illustrates a reference view for an example of performing a bank transfer using a payment brokerage system.
8 illustrates a reference view for another example of performing a bank transfer using a payment brokerage system.
9 is a block diagram of a payment brokerage system according to an embodiment of the present invention.
Before proceeding to the description of the present invention,
The financial company server mentioned in the present invention may be a card company server, a bank server, a communication company server, a payment gateway server (PG) server, a value added network (VAN) server, and various other types of financial company servers. The card company server, bank server, telecommunication company server, PG server, and other financial institution server. In the embodiment of the present disclosure, the financial service server can be described and described mainly on one of a card issuer server and a bank server.
The mobile terminal referred to in the present invention refers to a terminal that is connected to the above-mentioned financial institution server to request payment of a fee and receive a payment result. At present, a PC, a smart tab, a mobile phone, a PDA, a smart phone, a notebook, and other wireless communication that can be performed while moving, will be described by expressing by the portable terminal described herein.
The payment of costs referred to in the present invention may be provided to the party providing the goods or services at the side of obtaining the goods or services. In this case, the request for payment may be provided to the financial company server directly from the mobile terminal, or may be transferred from the card terminal (reader) that performs proximity wireless communication with the mobile terminal to the financial company server.
The online ID referred to in the present invention may be generated and issued at the request of an intermediary system from a financial company, particularly a card company or a bank. The online ID may be used in place of the bank account or credit card of the mobile terminal user. The online ID can be used to enable financial institutions, such as PG companies, to conduct financial transactions in addition to banks and credit card companies, to broker payments or transfers. The online ID may be in the form of a file and may be used in the form of a unique key value in the environment of the present invention. Here, the key value may be in the form of a combination of letters, numbers, and special characters selectively, it is preferable that the same key value does not exist in the characteristics used for financial settlement. In addition, in the present invention, the online value and the key value for the online ID are treated as the same and may be mixed and described. Whether it's a file or a combination of numbers and strings, online IDs and key values play the same role and are not separated.
At this time, the online ID is a user applying for a service using the online ID to the intermediary system, the intermediary system to apply for a number of credit card companies, credit cards of these credit card companies, various banks and bank accounts of these banks, carriers to use the user In this case, the intermediary system requests online ID issuance from the credit card company, bank or telecommunications company's financial company server, and stores the information about these issued online IDs to be used for payment.
That is, when a user logs in to a brokerage system, the brokerage system presents a list of credit card companies, credit cards of these credit card companies, banks and bank accounts of these banks, and telecommunication companies that have previously applied for service to the user terminal. The system transmits an online ID that matches the selected credit card, bank account or telecommunication company from the presented list to the financial institution server for use in payment.
Thus, by selecting a credit card selected from a variety of credit cards of multiple credit card companies (even if the same credit card company has a variety of credit cards), for example, even if one smartphone app is installed, It is possible to use a credit card or bank account by specifying a multi-card or multi account. That is, such a system can distinguish between multiple credit card companies or banks, and it is possible to identify and specify various credit cards or bank accounts of these credit card companies or banks. In this case, when a carrier is selected, the service provider may be used for a small amount of money to be used to charge a communication fee.
In this case, preferably, the financial company server may cause a problem of theft or hacking when the same online ID is continuously used. Therefore, it is desirable to improve the security by providing the intermediary system by updating the online ID issued at regular intervals.
On the other hand, in another preferred embodiment, when the user selects a particular credit card or bank account from the presented list, the intermediary system requests to generate and issue an online ID to the financial company server of the selected credit card or bank account to obtain it once It is okay.
This system not only improves security by not managing multiple online IDs at the intermediary system level, but also selects among various credit cards of various credit card companies (the same credit card company has various credit cards). By being able to identify and pay by credit card, even if one smartphone app is installed, for example, various credit cards or bank accounts can be specified and used as needed, thereby enabling the use of multi-cards or multi-accounts. That is, such a system can distinguish between multiple credit card companies or banks, and it is possible to identify and specify various credit cards or bank accounts of these credit card companies or banks.
In this case, it is desirable to improve security by limiting the maintenance time of the generated online ID, for example, by extinguishing it if it is maintained only for one minute and the generated online ID information is not used or fed back to the financial institution server. Do.
The mobile terminal mentioned in the present invention may have a built-in NFC (Near Field Communication) chip. NFC chip embedded performs short-range wireless communication is possible, and, when in contact, or adjacent to the local area and a card reader, it is possible to perform data communication, cell information on the Login Hugh the terminal and a password or a phone number The terminal may provide the card reader directly.
In the present invention, a card company server and a PG / VAN server are described separately, but currently, the PG server and the VAN server are in a trend of being integrated with the card company server. In the present specification, a PG server or a VAN server is collectively described as a PG / VAN server, and it is noted that the role and function of the PG / VAN server may be included in the card company server. It is also possible to construct the intermediary system in the present invention to function as a PG / VAN server.
The card company described in the present invention refers to a credit card company, and the server operated for processing by the card company is described as a card company server.
Hereinafter, the present invention will be described in detail with reference to the drawings.
1 illustrates a schematic connection conceptual diagram of a payment brokerage system according to an embodiment of the present invention.
Referring to FIG. 1, when the
In this case, the financial company information, including the credit card company, the credit card company, the bank company and the bank account of the card company is used or intended to be used by the actual user, by subscribing to the service provided by the
At this time, the
Online ID is a mobile terminal (50) users to apply for a service in advance for use with a bank or card company, even in areas where banks and credit companies other than banks (for example, PG company) does not handle bank account information or card information It is designed by the applicant for use in financial transactions.
The online ID may be in the form of a file or a key value formed by a combination of numbers and strings. The online ID represents a unique key value, but does not itself contain account number or credit card information. On the other hand, an online ID may correspond to a bank account or credit card at a bank or card company. To this end, the user of the
In this way, when a user selects a specific credit card or bank account by the presented interface after logging in, the
At this time, more preferably, the
Therefore, the obtained online ID is not finally provided to the user's
In this case, even in the case of a mobile terminal having a phone number, it is also possible to construct login information by adding login information.
Therefore, the user of the
The
Meanwhile, FIG. 2 is a conceptual diagram for explaining a payment brokering system and method according to another preferred embodiment of the present invention. The system and method shown in FIG. 1 is a card or bank of any one of lists provided by a user's mobile terminal. When the account is selected, the intermediary system requests and generates and receives a one-time online ID from the financial institution server of the financial institution, and uses the online ID for each card and bank account registered in advance. It is a system and method to request and store in mediation system.
Referring to Figure 2 will be described a payment brokerage system and method according to another preferred embodiment of the present invention.
When the user registers a plurality of card companies, cards, banks and bank accounts to be used by the user in advance, the
At this time, it is preferable that each
Therefore, when a plurality of cards are registered for each card company or a plurality of bank accounts are registered for each bank, a plurality of online IDs are issued even if the same card company or bank is used. That is, when there are a plurality of cards (bank accounts), which are sub-concepts, for each card company (bank) which is an upper concept, an online ID is generated and stored in each sub concept in a 1: 1 matching manner.
As such, when the user registers in advance the financial company information including the card company name or the bank name, the card name or the bank account name to be used, and the phone information including the login information or the phone number, the
Subsequently, when the user logs in and accesses the
When any one card or bank account to be used from the user's
At this time, the
As such, the obtained online ID is not finally provided to the user's
In this case, even in the case of a mobile terminal having a phone number, it is also possible to construct login information by adding login information.
Therefore, the user of the
Meanwhile, more preferably, the
In the payment intermediation system and method shown in Figs. 1 and 2 described above, an online ID is issued only once or a card or bank account is issued as a subordinate concept without being processed with a phone number of a mobile terminal. If you have multiple cards or bank accounts (multi card or multi account), you can use them all as one app.
On the other hand, Figure 3 is a schematic conceptual diagram for explaining a payment brokerage system and method according to a preferred embodiment of the present invention.
The payment brokerage system and method shown in FIG. 3 is to solve when payment processing is performed between both the user terminal 500 and the
This process will be described in detail with reference to FIG. 3.
The
The
At this time, the
The
Here, the information may be provided to the
When the
According to the above payment method, there is an advantage that the security vulnerability of the
On the other hand, in the embodiment shown in Figure 3, when the event to select the card or bank account to be used in the user
Referring to FIG. 4, the
In this case, the
The
At this time, the
The
Here, the information may be provided to the
When the
According to the above payment method, there is an advantage that the security vulnerability of the
5 and 6 illustrate schematic connection conceptual diagrams of a payment brokering system and method according to another embodiment of the present invention.
3 and 4, when the phone information is provided by the user
Referring to FIG. 5, the
When the user
In this case, the
The PG /
The
Referring to FIG. 6, the
In this case, the
Thereafter, the
When the user
In this case, the
The PG /
The
On the other hand, the payment intermediation system mentioned in Figures 1 to 6 can be used for account transfer, in addition to financial transactions for goods or services. This will be described with reference to FIGS. 7 and 8.
7 illustrates a reference view for an example of performing a bank transfer using a payment brokerage system.
Referring to FIG. 7, the mobile terminal 50 requests an account transfer service by logging into the
If the user of the
At this time, the
* In this case, when the bank to be transferred is the other party, the
When the authentication process is completed, the
8 is a reference view for another example of performing a bank transfer using a payment brokerage system.
Referring to FIG. 8, when the portable terminal user does not know a target number of a transfer, a reference diagram for explaining a process of proceeding with an account transfer, the user of the portable terminal 50 logs in to the
The
When creating a virtual account, the transfer recipient's phone number is treated as a single account, and if the transfer target proves to be a legitimate transfer recipient using his / her phone number, he / she will pay the transfer deposit to the virtual account. Can be.
That is, when a virtual account is generated in the
At this time, the transfer target person is connected to the
On the other hand, the
In this case, the
In this case, when the bank to be transferred is the other party, the
9 is a block diagram of a payment brokerage system according to an embodiment of the present invention.
9, the
The financial
The online
The
If the transfer target account number is unclear, the
The online
The
The
In addition to processing payment for goods or services in the
50: mobile terminal 60: payment terminal
100: mediation system 300: PG server
400: financial company server
Claims (18)
When the mobile terminal is logged in for payment, the interface screen for displaying and selecting a list of cards or bank accounts available for payment and carrying the access path to the card company or bank selected by the user of the mobile terminal. Connection intermediary module provided to the terminal; And
When any one of a plurality of cards or bank accounts displayed on the interface screen is selected by the user of the portable terminal, a unique key value corresponding to the selected credit card or bank account to the financial company server of the selected card or bank account And an online ID management module for requesting card information on an online ID having an online ID, and obtaining a key value of an online ID generated by a financial institution server according to the request.
The connection mediation module comprises:
And the mobile terminal replaces one of the credit card and the bank account by using the online ID through the provided connection path.
Payment intermediary system, characterized in that obtained by requesting issuance of a one-time online ID by presenting the card company or bank account, user phone information or login information selected from the user's portable terminal to the corresponding financial company server.
Payment intermediary system, characterized in that for storing the information provided by the online ID management module and the generated one-time online ID information.
If the issued one-time online ID is not used for payment for more than a predetermined time, payment intermediary system, characterized in that to destroy the issued online ID.
A bank account server of the card company registered in the bank registration module or the bank account server of the bank to provide the financial company information and the phone information to request and generate a plurality of online IDs matching each of a plurality of registered cards or bank accounts, module; And
When the mobile terminal is logged in for payment, the interface screen for displaying and selecting a list of cards or bank accounts available for payment and carrying the access path to the card company or bank selected by the user of the mobile terminal. It includes; connection mediation module provided to the terminal,
The connection intermediary module, when any one of a plurality of cards or bank accounts displayed on the interface screen is selected by the user of the portable terminal, specifies the online ID matched with the selected card or bank account, and the The payment intermediary system of claim 1, wherein the mobile terminal replaces one of the card and the bank account using the online ID through the provided connection path.
The payment brokerage system, characterized in that for matching the information provided by the online ID management module and generated generated online ID information.
The payment brokerage system, characterized in that for updating the generated online ID information by a predetermined time period and then provided to the online ID management module.
The payment intermediary system, characterized in that for providing a phone number or login information of the user's portable terminal to the recipient mobile terminal receiving the cost.
The payment intermediation system, characterized in that the phone number or login information provided by the user's portable terminal, and the merchant code previously stored in the recipient's portable terminal to the financial company server through the connection brokerage module to request payment of the cost. .
The user portable terminal is provided with a near field communication (NFC) chip for short-range wireless communication, and at the time of payment, a recipient mobile terminal receiving the cost using the NFC chip when the phone number or login of the user portable terminal Payment intermediary system, characterized in that to provide the login information of the wireless.
The receiver mobile terminal is a card reader,
The card reader provides a phone number or login information of the user portable terminal, an affiliated store code and an affiliated store information and payment amount information assigned to the card reader to a financial company server through the connection brokerage module to request a payment. Payment brokerage system.
Receive merchant code and payment cost information from the recipient mobile terminal receiving the cost,
Using the received merchant code, payment cost information and the online ID information obtained from the online ID management module, the payment intermediation system, characterized in that provided to the financial institution server through the connection brokerage module to request payment.
An information receiving step of receiving the phone information from the mobile terminal of the user;
A list display step of displaying a list of financial company information registered to match the phone information received in the information receiving step with the portable terminal;
A card selection step of determining whether a card name or a bank account name to be used is selected from the list displayed in the list display step;
A card information creation request step of requesting a financial company server of a financial company corresponding to a card name or a bank account name selected in the card selection step to generate card information of an online ID;
A card information receiving step of receiving online ID information generated in the financial company server;
Payment information receiving step of receiving payment information regarding a payment cost from the user portable terminal; And
And a payment processing step of transmitting payment information received in the payment information receiving step and online ID information received in the card information receiving step to the financial company server for payment processing.
Payment intermediary method characterized in that the payment is processed using a card or bank account matching the online ID information received by the financial company server.
The online ID, payment intermediary method characterized in that the disappearance when the payment is completed or the payment is not made for more than a predetermined time.
An online ID generation request step of requesting generation of a plurality of online IDs for each of a plurality of registered cards or bank accounts by providing the financial company information and the phone information to a card company or a bank company server of a bank registered in the information registration step;
A card information receiving step of receiving a plurality of online ID information generated in the generation request step;
An information receiving step of receiving the phone information from the mobile terminal of the user;
A list display step of displaying a list of financial company information registered to match the phone information received in the information receiving step with the portable terminal;
A card selection step of determining whether a card name or a bank account name to be used is selected from the list displayed in the list display step;
Payment information receiving step of receiving payment information about a payment cost from the user portable terminal;
A card discriminating step of discriminating, among the plurality of cards or bank accounts, an online ID that matches the card name or the bank account name selected in the card selecting step; And
And a payment processing step of transmitting the online ID and the payment information determined in the card discrimination step to a financial company server of the selected card company or bank;
The financial company server, the payment intermediary method, characterized in that for storing a plurality of online ID information and phone information generated for each card matched.
The settlement brokerage method of claim 1, wherein the generated online ID information is updated and provided at a predetermined time interval.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020120113570A KR20140047376A (en) | 2012-10-12 | 2012-10-12 | Agent system and method for payment |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020120113570A KR20140047376A (en) | 2012-10-12 | 2012-10-12 | Agent system and method for payment |
Publications (1)
Publication Number | Publication Date |
---|---|
KR20140047376A true KR20140047376A (en) | 2014-04-22 |
Family
ID=50653979
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
KR1020120113570A KR20140047376A (en) | 2012-10-12 | 2012-10-12 | Agent system and method for payment |
Country Status (1)
Country | Link |
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KR (1) | KR20140047376A (en) |
-
2012
- 2012-10-12 KR KR1020120113570A patent/KR20140047376A/en not_active Application Discontinuation
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