KR20140077013A - Payment system, electric payment method and apparatus for off-line commerce - Google Patents

Abstract

The present invention relates to a payment system for offline commercial transactions, and a method and a device for supporting an electronic payment thereof. In the payment system for offline commercial transactions, the terminal device registers payment information for account transfer or micropayment by joining an electronic payment service for offline commercial transactions in advance by communicating with an electronic payment supporting device and provides a disposable virtual card number for an affiliated store device by issuing the disposable virtual card number from the electronic payment supporting device in case of a real payment. If the affiliated store device requests a payment by using the disposable virtual card number which is received from the terminal device, the electronic payment supporting device requests a payment to a payment device which performs a micropayment or an account transfer by referring to registered payment information and thereby safely performs the payment of the transaction which is generated offline in an account transfer or micropayment method.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system,

The present invention relates to a settlement system for off-line commerce, and more particularly, to a settlement system for off-line commerce, in particular, for offline commerce, And an electronic payment support method and apparatus.

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

Cash, credit card, debit card, etc. are used to pay for commerce in the off-line. In recent years, the use of credit cards has been recommended as a way to increase transparency in taxation of commercial transactions.

These traditional credit card transaction methods include the necessity of having a credit card or cash, the risk of losing a credit card, the risk of credit card information and exposure of personal information.

Therefore, mobile credit cards that incorporate credit cards into the mobile are being used for payment. These existing mobile credit cards can be transferred to a mobile card (jacquard) It is issued upon application.

However, existing mobile credit cards require complaints such as the loss of a mobile card by a card company when a customer loses a mobile phone, the same process of subscribing to a card re-issuance, and so on. When a mobile phone is lost, Later, the customer can pay for the card in a dongle without a separate authentication procedure, resulting in an anxiety due to the loss of the card and the illegal use of the lost card.

Particularly, in the conventional offline commerce, it is not possible to use the settlement method such as the account transfer and the micropayment available in the online commerce.

Korean Patent Laid-Open No. 10-2012-0088257, Aug. 8, 2012 (name: a method and apparatus for payment by a disposable bar code generated in a portable terminal)

The present invention relates to a settlement system, an electronic payment support method, and an apparatus for offline commerce, which enable payment of a fee using a real-time account transfer and a micro payment method, which have been used only in existing online commerce using a disposable virtual card number in offline commerce The purpose is to provide.

According to another aspect of the present invention, there is provided a settlement system for offline commerce comprising a settlement support application for supporting electronic settlement for off-line commercial transactions, A terminal device for requesting service subscription, issuing a disposable virtual card number valid only for a predetermined period of time from the electronic payment support device upon payment, and providing the issued disposable virtual card number to the merchant device; A merchant point device that receives a disposable virtual card number from a terminal device, receives transaction information on a specific offline commerce transaction, and requests payment of transaction information using the disposable virtual card number to the electronic payment support device; And payment method information for specifying at least one of the account transfer method and the micropayment method from the terminal device that has requested the subscription of the electronic payment service and the payment information necessary for processing the payment according to the payment method, After issuing a disposable virtual card number valid only for a certain period of time in response to a disposable virtual card number issuance request, if a disposable virtual card number included in the disposable virtual card number is received after receiving the disposable virtual card number, And an electronic payment support apparatus for supporting a micropayment or account transfer of transaction information according to the payment method and payment information of the user.

The settlement system for offline commerce according to the present invention may further include a settlement apparatus for performing account transfer or micropayment in cooperation with the electronic settlement support apparatus.

An electronic payment support apparatus for offline commerce according to the present invention includes: a communication unit for transmitting and receiving data to and from a terminal apparatus and a merchant point apparatus through a communication network; A payment method for designating one of the account transfer and the micropayment based on the user identification information or the application identification information for the payment support application installed in the terminal device of the user, and the payment information necessary for performing the payment according to the designated payment method , Issues a disposable virtual card number valid only for a predetermined time in response to a request of a payment support application installed in the terminal device in correspondence with the corresponding user identification information or application identification information and provides the disposable virtual card number to the terminal device, When the disposable virtual card number is valid, extracts the registered payment method and payment information corresponding to the user identification information or the application identification information, and then, based on the extracted payment method and payment information, A controller for processing; And a storage unit for storing the payment method, payment information, and the issued disposable virtual card number.

In the electronic payment support apparatus according to the present invention, the control unit receives at least one of the user identification information, the application identification information, the payment method, and the payment information from the terminal device in response to the electronic settlement service subscription request for offline commercial transaction from the terminal apparatus A service subscription module for registering the service subscription module; And issuing a disposable virtual card number to the terminal device at the request of the installed payment support application of the terminal device, mapping the disposable virtual card number to one of the user identification information or the application identification information and storing the same, When the disposable virtual card number is valid, extracts the registered payment method and payment information corresponding to the user identification information or the application identification information, and transfers the account transfer or the micropayment to the corresponding payment device And a requesting payment processing module.

The service subscription processing module requests authentication of the payment information before registration and performs registration when authenticated, and the payment processing module receives the settlement processing result from the settlement device, To one or more of the merchant's devices.

The terminal device for offline commerce according to the present invention includes: a communication unit for transmitting and receiving data to and from a merchant point device and an electronic payment support device; An input unit for receiving a user request for electronic payment service subscription and payment processing; A payment support application for an electronic settlement service in an offline commerce transaction is executed to request the electronic settlement support apparatus to subscribe to an electronic settlement service for off-line commercial transactions to provide settlement information for account transfer or micro-settlement, Accordingly, the control unit may include a controller for issuing a disposable virtual card number valid for a predetermined period of time from the electronic settlement apparatus and providing the disposable virtual card number to the merchant point apparatus.

The terminal device according to an embodiment of the present invention may further include an output unit for outputting predetermined information under the control of the control unit, and the control unit may be configured to issue the disposable virtual card number to the merchant point device through the barcode reader Converts the received disposable virtual card number into a barcode form, and outputs the converted disposable virtual card number through an output unit.

The terminal device according to another embodiment of the present invention may further include a connection interface unit connected to the secure storage medium having a short-range wireless communication function and a billing applet interlocked with the merchant point device to transmit and receive data, The disposable virtual card number is stored in the settlement applet through the connection interface unit so that the apparatus can receive the disposable virtual card number from the secure storage medium through the short-range wireless communication.

In addition, according to another aspect of the present invention, there is provided an electronic settlement support apparatus comprising: an electronic settlement support apparatus which receives one of account transfer and micropayment based on user identification information or application identification information for a payment support application installed in a terminal device Registering payment information required for performing settlement according to a specified settlement method and a specified settlement method; Issuing a disposable virtual card number valid only for a predetermined period of time in response to a request of a payment support application installed in the terminal device in association with the corresponding user identification information or application identification information and providing the disposable virtual card number to the terminal device; Receiving a payment request using the disposable virtual card number from the merchant point device; And the disposable virtual card number, and if valid, extracts the registered payment method and payment information corresponding to the user identification information or the application identification information, and processes the settlement by using the account transfer or the micropayment method based on the extracted payment method and payment information And an electronic settlement support method for off-line commercial transactions.

In the electronic payment support method according to the present invention, in the case of the micropayment payment method, the electronic payment support device transmits the telephone number of the user, payment for payment, or the like from one or more of the registered payment information or the payment request Cost information, and authentication information, and transmits the extracted information to a payment device of a communication company to which the user subscribes to request a micropayment. Alternatively, in the case of the account transfer method, Extracts at least one of the user information, the cost information to be paid, the account information, the password of the account, and the account information of the merchant user from at least one of the payment information or the payment request, transmits the extracted information to the payment device of the financial institution, And requesting a transfer.

The electronic payment support method for offline commerce according to the present invention may further include transmitting a settlement processing result to at least one of the merchant point device and the terminal device upon completion of the settlement processing.

In addition, the present invention provides, as yet another means for solving the above-mentioned problems, a terminal device comprising: a payment support application for supporting electronic payment for offline commerce; Requesting the electronic payment support apparatus to subscribe to an electronic payment service for offline commerce through a payment support application and providing payment information necessary for performing at least one of micropayment or account transfer; Requesting an electronic payment support apparatus through a payment support application and issuing a valid disposable virtual card number for a predetermined period of time; And providing the disposable virtual card number to the merchant point device. The method for supporting electronic payment for offline commerce is provided.

In addition, the electronic payment support method for off-line commerce according to the present invention can be implemented by a program and recorded on a computer-readable recording medium.

The present invention enables real-time transfer of a purchase cost for a product purchased at an affiliated store from an actual bank account of a buyer to an account of a merchant using a disposable virtual card number at a time of commerce on the off-line, It is possible to securely perform settlement of a transaction occurring in an offline mode without a credit card.

In particular, the present invention provides an electronic settlement method in which an electronic settlement is requested using a disposable virtual card number valid only for a predetermined time in a terminal device, and when a disposable virtual card number is valid, , It is possible to minimize the possibility that the main personal information such as the account transfer information and the telephone number is exposed through the terminal device or the communication network. As a result, it is possible to prevent illegal settlement and to provide an electronic settlement service for secure offline commerce.

1 is a diagram illustrating a configuration of a settlement system for offline commerce according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a terminal device in a settlement system for offline commerce according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of an electronic payment support apparatus in a payment system for offline commerce according to an embodiment of the present invention.
4 is a diagram illustrating an electronic payment support method in a settlement system for offline commerce according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the accompanying drawings, detailed description of well-known functions or constructions that may obscure the subject matter of the present invention will be omitted. It should be noted that the same constituent elements are denoted by the same reference numerals as possible throughout the drawings.

The terms and words used in the present specification and claims should not be construed to be limited to ordinary or dictionary meanings and the inventor is not limited to the concept of terminology for describing his or her invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention, and not all of the technical ideas of the present invention are described. Therefore, It is to be understood that equivalents and modifications are possible.

First, a settlement system for offline commerce according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a configuration of a settlement system for offline commerce according to an embodiment of the present invention.

1, a payment system for offline commerce includes a terminal device 100, a secure storage device 200, a merchant point device 300, an electronic payment support device 500, and a settlement device 600).

The terminal device 100 is a terminal capable of transmitting and receiving various data via the communication network 10 in accordance with a key operation of a user. The terminal device 100 includes a tablet PC, a laptop, a personal computer ), A smart phone, a personal digital assistant (PDA), and a mobile communication terminal.

The terminal device 100 may be a terminal performing voice or data communication using the communication network 10 and may be a browser, a program and a protocol for communicating with the electronic payment support apparatus 500 via the communication network 10 A memory for storing various programs, a microprocessor for executing and controlling various programs, and the like. That is, the terminal device 100 can include any terminal as long as it can communicate with the electronic payment support device 500 through server-client communication, and includes all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA. Meanwhile, the terminal device 100 is preferably manufactured with a touch screen, but is not limited thereto.

The terminal device 100 may be provided with a payment support application 100a for supporting electronic settlement in offline commerce according to the present invention. The settlement support application 100a can be downloaded from an application store or an application providing server (not shown). For example, when the terminal device 100 is a smart phone, the payment support application can be downloaded and installed through the application store.

The payment support application 100a is an application program implemented to perform the electronic payment support method according to the present invention. Specifically, the payment support application 100a accesses the electronic payment support apparatus 500, requests the service subscription, Receives the disposable virtual card number from the electronic payment support apparatus 500 according to a request of the user after the subscription of the service, and transmits the disposable virtual card number to the affiliated shop apparatus 300 ). ≪ / RTI >

Therefore, in the embodiment of the present invention, the terminal device 100 executes the payment support application 100a according to a user's request, accesses the electronic payment support device 500 through the payment support application 100a, Request to join electronic payment service for offline commerce. At this time, the payment support application 100a of the terminal device 100 transmits information necessary for electronic payment processing, for example, user information, account information of the user (account number, account secret Number, etc.) or micropayment payment information (such as telephone number and user authentication information).

Subsequently, the terminal device 100 executes the payment support application at the time of settlement of the off-line commercial transaction, receives the user authentication information (for example, an authentication PIN (personal identification number) or a password) from the user, And requests a disposable virtual card number to the electronic payment support apparatus 500 in accordance with the payment request of the authenticated user and transmits a virtual card number valid only for a predetermined time from the electronic payment support apparatus 500 And stores it.

In addition, the terminal device 100 may provide the disposable virtual card number to the merchant device 300. Here, the disposable virtual card number may be provided to the merchant device 300 in various ways. For example, in an embodiment of the present invention, the terminal device 100 converts the disposable virtual card number into a barcode and outputs the barcode to a screen so that the merchant point device 300 is connected to the terminal device 100 So that the barcode can be recognized. In another embodiment of the present invention, when the terminal device 100 is connected to the secure storage device 200 and the terminal device 100 stores the disposable virtual card number in the secure storage device 200, The stored disposable virtual card number is transmitted to the merchant device 300 through short-range communication (NFC, Bluetooth communication, etc.) by the settlement applet of the secure storage device 200.

Here, the secure storage device 200 includes a microprocessor, a memory, and an operating system, and is a storage medium capable of stably storing security data and services through its own computation function. In the present invention, the secure storage device 200 may include a secure element (SE) such as a smart card or a USIM, and may further include a short-range communication function. For example, the local area communication function may be integrated into the secure storage device 200, or the local storage function provided in the terminal device 100 may be connected to the secure storage device 200.

In addition, the secure storage device 200 may include one or more applets for specific purposes such as security, payment, and user authentication, which typically operate on its own built-in operating system. The secure storage device 200 applied to the present invention may include a billing applet capable of performing data transmission and reception for settlement using local communication with the merchant point device 300. The settlement applet securely stores the disposable virtual card number issued by the payment support application 100a and stores the issued disposable virtual card number securely. When the settlement applet 100 is ready to communicate with the merchant point device 300, It is possible to transmit the card number to the merchant point device 300.

At this time, the process of storing the disposable virtual card number issued by the payment support application 100a of the terminal device 100 in the secure storage device 200 may be performed through a Trusted Service Manager (TSM). The TSM is used to manage security elements between the security element of the secure storage device 20 and the service provider, service management in the security element. And the key management used or stored in the security element.

The payment support application 100a of the terminal device 100 receives the security key of the secure storage device 200 from the TSM and transmits the disposable virtual It may request storage of the card number. At this time, the security storage device 200 verifies the security using the security key, and if it is determined to be safe, stores the disposable virtual card number.

The payment applet provided in the secure storage device 200 may transmit the disposable virtual card number stored in the secure storage device 200 to the merchant point device 300 at the request of the merchant point device 300.

The merchant point device 300 is a device installed on the side of a merchant providing an article or service on the off-line, and is a device for requesting a cost settlement process for an article or a service and confirming the result thereof. Such a merchant point device 300 may be implemented, for example, as a POS terminal or an NFC dongle or a terminal (computer, mobile phone, smart phone, etc.).

In addition, the merchant point device 300 communicates with the terminal device 200 or the secure storage device 200 to receive a disposable virtual card number for electronic settlement, receives transaction information from a merchant user, Number and transaction information to the electronic payment support apparatus 500 to request payment. At this time, the merchant point device 300 can receive data in various ways with the terminal device 200 or the secure storage device 200. For example, the merchant point device 300 includes a barcode reader, reads a disposable virtual card number displayed on a barcode form on the terminal device 200 through the barcode reader, NFC) to identify the disposable virtual card number stored in the secure storage device 200.

The merchant device 500 can select merchandise information, select a payment method (micropayment or account transfer), select merchandise information (merchant information, merchandise information, merchandise information, Amount, installment information, etc.) to the electronic settlement support apparatus 200 through the communication network 10 to request a settlement process. At this time, when the selected account transfer mode is selected, the merchant point device 500 further receives the account information of the merchant user and the password of the registered account of the user of the terminal device 100, and can transmit the password together with the payment request. At this time, the information transmitted together with the settlement request is preferably encrypted for security. Then, the merchant point device 500 can receive the payment processing result from the electronic payment support apparatus 200 and output it.

At this time, the connection between the merchant point device 500 and the electronic payment apparatus 500 may be performed through a Value Added Network (VAN) instead of a general public communication network. That is, the communication network 10 is a concept including a value added communication network that connects a plurality of merchant units 500 and an electronic payment apparatus 500 for secure settlement processing.

The electronic payment support apparatus 500 works in cooperation with the affiliate shop 300 installed in an offline store (an affiliate shop) and the terminal 100 of a user who purchases an article or service in the offline store and intends to pay the cost. The electronic payment support apparatus 300 receives a payment method (a micropayment or a money transfer), user identification information, authentication information, payment information (telephone number) from the terminal device 100 of the user who intends to use electronic payment for offline commerce in advance Or account information), etc., and performs subscription and registration. Upon receiving a request for a disposable virtual card number from the terminal device 100 of the service subscribed user, the terminal device 100 receives a disposable virtual Card number and transmits the issued disposable virtual card number to the terminal device 100. [

When the electronic payment support apparatus 500 receives a payment request including the disposable virtual card number from the merchant point device 300 according to the payment request of the terminal device 100, the electronic payment support apparatus 500 confirms the validity time of the received disposable virtual card number If it is valid, the user's payment information is extracted together with the transaction information included in the payment request to request payment processing to the corresponding payment apparatus 600, and the result is transmitted to the merchant apparatus 300 and / / RTI > and / or < / RTI > More specifically, when issuing the disposable virtual card number, the electronic payment support apparatus 500 stores the disposable virtual card number with the information of the corresponding user and stores the disposable virtual card number, and when the valid disposable virtual card number is received , Identifies the user information based on the disposable virtual card number, confirms the predetermined settlement method in the user information, and confirms whether the settlement is a microcredit settlement. In the case of a micropayment, the user extracts the telephone number of the user as payment information, combines the extracted payment means information with the transaction information included in the payment request of the merchant point device 300 and the authentication information of the user, And requests payment to the corresponding settlement apparatus 600 for processing. In this case, the payment apparatus 600 may be a billing apparatus of a communication carrier to which the user subscribes, and the billing apparatus of the communication carrier may add a transaction amount included in the transaction information to the bill of the user Thereby performing settlement processing.

 In another embodiment, when the account transfer is designated by the payment method, the electronic payment support apparatus 500 extracts the payment information (account information, account password, etc.) of the user and the account information of the user of the merchant, Designates the means information as a transfer destination, designates the payment means information of the franchise user as a transfer destination, and requests the payment apparatus 600 to transfer the transaction information extracted from the payment request of the merchant point device 300. At this time, the settlement apparatus 600 may be a server apparatus of a financial institution that issued the account number of the user, and the server apparatus of the financial institution fetches the transaction amount from the account of the user, To the account of. In addition, in the case of payment by the account transfer method, the electronic payment support apparatus 500 may receive the account information of the merchant user in advance from the merchant user, or may include the account information in the payment request.

The settlement apparatus 600 is a device that performs settlement according to any one of a small payment method and an account transfer method. For example, the settlement apparatus 600 may be a financial server apparatus that performs a money transfer of a billing apparatus and a financial institution of a communication carrier have.

The settlement apparatus 600 performs settlement of transaction information using the settlement means information according to a settlement request including payment information and transaction information from the electronic settlement support apparatus 500. [

The communication network 10 is a network capable of transmitting and receiving data using an Internet protocol using various wired and wireless communication technologies such as an Internet network, an intranet network, a mobile communication network, and a satellite communication network. In addition, the communication network 10 is coupled with the electronic payment support apparatus 500 to store computing resources such as hardware and software. The communication network 10 may be a closed network such as a LAN (Local Area Network) or a WAN (Wide Area Network), an open network such as the Internet, a CDMA (Code Division Multiple Access), a WCDMA The concept is called the next generation network and computing network that will be implemented next, such as Multiple Access, Global System for Mobile Communications (GSM), Long Term Evolution (LTE) and Evolved Packet Core (EPC) In particular, the communication network 10 may include a Value Added Network (VAN).

The configuration of the terminal device 100 according to the embodiment of the present invention will be described in detail with reference to FIG. 2 in the payment system for offline commerce configured as described above.

The terminal device 100 may include a control unit 110, an input unit 130, a communication unit 140, a storage unit 150, and an output unit 160, and may further include a secure storage device 200 . The secure storage device 200 may be built in the terminal device 100 or may be provided in an external form.

The control unit 110 controls the entire operation of the terminal device 100 according to the present invention. In particular, in the present invention, the user downloads a payment support application 100a by accessing an application store, And executes the payment support application 100a according to the request of the user. The executed payment support application 100a accesses the electronic settlement support apparatus 500 to request the subscription of the electronic settlement service for offline commerce and transmits the user information and settlement information 500 to the electronic settlement support apparatus 500 And receives an electronic settlement service subscription processing result for offline commerce from the electronic settlement support apparatus 500. [ Here, the user information may include a name, a resident registration number, etc., and the payment information may include a payment method and payment information for designating one of a micro payment mode and an account transfer mode, and the payment information may be a micro payment mode (Bank name, account number, user name), account information, and account password in the case of the account transfer method. The account information may include the user's telephone number and the user's authentication information.

At this time, the payment support application 100a may generate the user authentication information (authentication PIN) and transmit the generated user authentication information to the electronic payment support apparatus 500 when requesting the electronic payment service for offline commerce. Here, the user authentication information (authentication PIN) can be provided in various ways, and can be generated by a hash value or an OTP using numbers, signatures, consultation, a one-time authentication number generator, or the like. Accordingly, when the electronic payment service subscription for offline commerce is completed, the payment support application 100a transmits the user identification information and the user authentication information (authentication PIN) to the secure storage device 200 or the storage unit 150 and stores the same .

The settlement support application 100a requests the disposable virtual card number to the electronic payment support apparatus 500 at the request of the user and transmits the disposable virtual card number to the electronic payment support apparatus 500 through authentication for a predetermined period of time Or one minute, etc.) is stored and issued. The issued disposable virtual card number may be converted into a barcode form in the storage unit 150 of the terminal device 150 and may be stored in the secure storage device 200. In this case, the payment support application 100a transmits the issued disposable virtual card number to the secure storage device 200, and requests the disposable virtual card number to be stored in the payment applet, .

In addition, in one embodiment of the present invention, the payment support application 100a outputs the stored disposable virtual card number of the bar code type through the output unit 160, and the merchant point device 300 transmits the disposable virtual card number So that the virtual card number can be read.

On the other hand, when the disposable virtual card number is stored in the secure storage device 200, the disposable virtual card number is provided through the corresponding payment applet installed in the secure storage device 200. The settlement applet stores the settlement identifier, authentication value, disposable virtual card number, and the like received from the terminal device 100. Then, it communicates with the merchant point device 300 through local communication (for example, NFC) to transmit the disposable virtual card number.

Accordingly, the merchant point device 300 can request the electronic payment support device 500 to settle the transaction information using the disposable virtual card number obtained through the barcode reading or the short distance communication. Here, the payment request using the disposable virtual card number is preferably performed within the valid time of the disposable virtual card number.

Also, the payment support application 100a may receive and output a payment result message (for example, a push message) according to a payment processing result from the electronic payment support device 500. [ Here, the payment result message may include settlement result information and a receipt for account transfer or micropayment.

The input unit 130 is for receiving a user input signal corresponding to a request or information of a user according to a user's operation. The input unit 130 may be implemented as various input means that are currently commercialized or can be commercialized in the future. For example, A general input device such as a keyboard, a mouse, a joystick, a touch screen, a touch pad, etc., and gesture input means for sensing a user's motion and generating a specific input signal. Various information for an execution request for the payment support application 100a, a request for issuing a disposable virtual card number, and payment can be inputted through the input unit 130. [

The communication unit 140 is a device for transmitting and receiving data through the communication network 10. In the present invention, the communication unit 140 communicates with the electronic payment support apparatus 500 and / or the merchant point apparatus 300 through the communication network 10. [ Lt; / RTI > The communication unit 140 can transmit and receive data through various communication methods as well as wire and wireless methods. In addition, the communication unit 140 may transmit and receive data using one or more communication methods, and the communication unit 140 may include a plurality of communication modules that transmit and receive data according to different communication methods, respectively. In particular, the communication unit 140 may include a local communication function with the merchant point device 300.

The storage unit 150 stores a program and data necessary for operation and execution of the terminal apparatus 100. In the present invention, in particular, the payment support application 100a necessary for payment support for offline commerce and data . In addition, the storage unit 150 may store the disposable virtual card number issued through the operation of the payment support application 100a, and may further store user authentication information.

The storage unit 150 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), or a digital video disk (DVD) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

The output unit 160 is a means for providing a user with an operation result or status of the terminal device 100. The output unit 160 may include a display unit for visually outputting the result through the screen or a speaker for outputting an audible sound can do. In particular, in the present invention, the output unit 160 can display an execution screen of the payment support application 100a on the screen, and can display the payment processing result information and the receipt corresponding to the offline account transfer result on the screen have. In addition, the output unit 160 may display a screen for guiding user information input on the execution screen of the payment support application 100a or a selection menu (icon) for requesting and storing the disposable virtual card number.

Next, a configuration of an electronic payment support apparatus 500 according to an embodiment of the present invention will be described in detail with reference to FIG. 3 attached to a payment system for offline commercial transactions.

The electronic payment support apparatus 500 may include a control unit 510, a communication unit 520, and a storage unit 530.

The control unit 510 controls the overall electronic payment service for off-line commercial transactions according to the present invention. The control unit 510 performs a member registration process of an electronic payment service for offline commerce according to a request from the terminal device 100, And confirms the user identification information of the terminal device 100 according to a request of the desired terminal device 100, and issues a disposable virtual card number. At this time, the issued disposable virtual card number may be mapped and stored according to the user identification information or application identification information assigned to the payment support application 100a of the terminal device 100. [

When the terminal device 100 makes a payment request to the merchant point device 300, the control section 510 receives a payment request including the disposable virtual card number issued by the terminal device 100 from the merchant point device 300 If the disposable virtual card number is valid, the payment information and transaction information of the user and the merchant are extracted and transmitted to the payment apparatus 600 to request payment processing. For this, the control unit 510 may include a service subscription processing module 511 and a payment processing module 512.

The service subscription processing module 511 receives a service subscription request from a user who intends to use the account transfer in the off-line commercial transaction or the micro payment system, and performs the subscription process of the corresponding user. In particular, the service subscription processing module 511 not only collects user information at the time of subscription processing, but also receives from the user a payment method, that is, one or more payment methods to be used during the account transfer and micropayments, And then registers the collected payment information. That is, a telephone number for collecting and registering the account information of the user and the account for the account transfer and registering the settlement fee for the micropayment (for example, when the terminal device 100 is a mobile communication terminal, The telephone number of the terminal device 100), and user authentication information.

In addition, the service subscription processing module 511 may collect and register the information of the merchant user from the merchant user who wants to use the electronic payment through the account transfer or the micro payment in the off-line commerce according to the present invention There is also. For example, the account information of the merchant user necessary for account transfer may be collected and registered in advance.

At this time, the service subscription processing module 511 authenticates the collected payment information (account number, telephone number, etc.) in cooperation with the settlement device 600 that performs account transfer or micropayment through the communication unit 510, The member information and the payment information can be registered. In addition, the service subscription processing module 520 assigns an application identifier to the settlement support application 100a installed in the terminal device 100, and outputs processing result information on an electronic settlement service subscription request for offline commerce and collected information , In particular, the payment information can be mapped and stored according to the application identifier. Of course, payment information may be mapped to user identification information and stored. However, when the payment information is managed for each application identifier, exposure of the user information can be minimized and more secure management is possible.

In addition, the service subscription processing module 511 registers the personal identification information (authentication PIN) and compares the personal identification information transmitted from the terminal device 100 at the time of payment with the registered personal identification information so as to verify the personal identification information.

Next, the settlement processing module 512 is configured to support the account transfer or the micropayment. The settlement processing module 512 is configured to transmit the personal identification information received from the terminal device 100, Performs authentication of the user by comparing the identification information with the registered member information, and issues a disposable virtual card number for electronic payment service for offline commerce when authenticated. At this time, the user authentication may be performed at the terminal end. The disposable virtual card number issued by the payment processing module 512 is valid only for a predetermined time, and is stored in the storage unit 530 after being mapped with previously registered user identification information or application identification information. In addition, the valid time of each disposable virtual card number may be stored in the storage unit 530, and the disposable virtual card number whose validity time has elapsed may be discarded at any time.

When the merchant unit 300 makes a payment request using the disposable virtual card number, the payment processing module 512 determines whether the disposable virtual card number included in the payment request message received through the communication unit 520 is valid Extracts the payment method and payment information of the user based on the application identification information or the user identification information mapped to the disposable virtual card number, and if the validation is successful, extracts payment corresponding to the payment method using the extracted payment information, To the settlement apparatus 600 so that the settlement can be performed. At this time, the payment request message may further include at least one of transaction information including an amount to be paid, information of the merchant user, and account information of the merchant user.

Accordingly, the payment processing module 512 may further extract at least one of the transaction information, the information of the merchant user, and the account information of the merchant user from the payment request message for payment processing according to the payment method have.

The settlement processing module 512 accesses the settlement apparatus 600 of the financial institution corresponding to the account information in the case of the account transfer referring to the settlement method and the settlement information, To the settlement apparatus 600 of the communication carrier, and transmits at least one of the extracted transaction information, payment information, user information, and merchant user information to request payment processing.

The payment processing module 512 receives the processing result of the payment request from the payment apparatus 600 and transmits the received payment processing result to the affiliate shop apparatus 300 through the communication unit 520. [ Also, the payment processing module 512 generates a payment result message including payment processing result information, a receipt, and the like, and controls to transmit the generated payment result message to the terminal device 100.

The communication unit 520 is configured to transmit and receive data in cooperation with the terminal device 100, the affiliate shop device 300 and the settlement device 600 via the communication network 10, and receives electronic data for offline commerce from the terminal device 100. [ The service subscription request response message including the service subscription processing result information generated in the control unit 510 to the terminal device 100 and transmits the service subscription request response message including the service subscription request result message generated by the terminal device 100 ) Of the disposable virtual card number. The communication unit 520 receives the settlement request message including the disposable virtual card number from the merchant point device 300 and transmits the settlement request message generated by the control unit 510 to the settlement apparatus 600, 600, and transmits the result of settlement processing to the affiliated shop apparatus 300. [ In addition, the communication unit 520 transmits a settlement result message including settlement processing result information and a receipt to the terminal device 100. [

The storage unit 530 stores information necessary for the electronic payment service subscription processing and payment processing for offline commerce, and in particular, stores user information including user identification information, payment method, payment information, And application identification information for the payment support application 100a together. In addition, the disposable virtual card number issued according to the request of the terminal device 100 can be mapped to the user identification information or the application identification information and temporarily stored. The storage unit 150 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), or a digital video disk (DVD) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

The offline bank transfer settlement method in the settlement system for offline commerce thus constructed will be described in detail with reference to the accompanying drawings.

4 is a diagram illustrating an electronic payment support method for offline commerce according to an embodiment of the present invention. In the following description, the account transfer method will be described as an example, and only a portion that differs from the account transfer method will be described with respect to the micro payment method.

Referring to FIG. 4, in step 1101, the terminal device 100 executes the payment support application 100a and requests the electronic payment support device 500 to join the electronic payment service for offline commerce. The service subscription request message includes an electronic settlement service for offline commerce such as user identification information (e.g., user ID), user authentication information (authentication PIN), user information (name, resident registration number, Subscription information. For example, the payment method may represent the account transfer, and the payment information may include the account information. According to another embodiment of the present invention, a small payment method other than the account transfer method is also selectable. In this case, the payment method among the service subscription information represents the micropayment method, and the payment information includes the telephone number and the authentication information .

In step 1102, the electronic payment support apparatus 500 performs subscription processing by registering the electronic payment subscription service subscription information of the user. At this time, the payment apparatus 600 for performing the selected payment directly Information (account information or telephone number) can be transmitted to confirm whether or not the payment information is true.

For example, the electronic payment support apparatus 500 transmits the account information as the user information and the payment information to the payment apparatus 600 corresponding to the account information to authenticate the account number to be used for the electronic payment service for offline commerce The settlement apparatus 600 corresponding to the financial server apparatus performing the account transfer performs authentication of the account number and transmits the authentication result to the electronic settlement support apparatus 500. [ That is, the payment apparatus 600 can determine whether the received account number is valid by comparing it with the account number registered in the financial company or can confirm it through the user authentication information (authentication PIN) .

In step 1103, the electronic payment support apparatus 500 registers electronic payment service subscription information for the offline commercial transaction, and performs a membership registration procedure. In step 1104, the service subscription process result message including the process result information is transmitted to the terminal device 100. At this time, the electronic payment support apparatus 500 can provide identification information to the payment support application 100a installed in the terminal device 100 or receive and store the identification information of the payment support application 100a from the terminal device 100 And may store subscription information such as user information, payment information, and payment method based on the application identification information.

In step 1105, the terminal device 100 receives the service subscription request response message from the electronic payment subscription device 500, and when the electronic payment subscription service for offline commerce is completed, And can store identification information (user ID) and authentication information (authentication PIN). More specifically, when a payment applet linked with the merchant point device 300 is downloaded and installed in the secure storage device 200 and the key of the security element is requested by the TSM, the security key of the secure storage device 200 is checked, After performing authentication, user identification information, authentication information, and the like are stored.

When the user executes the payment support application 100a of the terminal device 100 to make a purchase and then makes a payment request, the terminal device 100 transmits the disposable virtual card number And transmits a request message. Here, before transmitting the disposable virtual card number request message, the terminal device 100 receives the authentication information and compares the authentication information with the authentication information stored in the secure storage device 200 to perform user authentication. If the user is a legitimate user, Number request message.

Accordingly, when the electronic payment support apparatus 500 receives the virtual card number request message from the terminal device 100 in step 1107, it issues a valid disposable virtual card number for a predetermined period of time, and transmits the disposable virtual card number And transmits the virtual card number response message including the virtual card number to the terminal device 100. In the above, the electronic payment support apparatus 500 may manage the disposable virtual card number by mapping the issued disposable virtual card number with the user identification information or the application identification information.

In step 1109, the terminal device 100 stores the received disposable virtual card number in the corresponding settlement applet of the secure storage device 200. To this end, the terminal device 100 receives the key of the security element through the TSM, and stores the disposable virtual card number in the settlement applet of the secure storage device 200 using the received security element key. Alternatively, in another embodiment of the present invention, the terminal device 100 may convert the received disposable virtual card number into a barcode and output the barcode to the output unit 160.

Thereafter, in step 1110, the merchant point device 300 of the merchant user who has performed the offline commerce with the user is stored in the secure storage device 200 via the short distance wireless communication from the secure storage device 200 of the terminal device 100 Recognizes the disposable virtual card number. Meanwhile, in another embodiment of the present invention, the merchant point device 300 can recognize the disposable virtual card number by reading the disposable virtual card number converted into the barcode output to the terminal device 100 through the barcode reader have.

At this time, the merchant point device 300 may further receive the authentication information (account password or authentication number) from the user. The authentication information is encrypted so that it can not be recognized by the merchant user.

In step 1111, the merchant point device 300 combines the transaction information including the merchant user information, the merchandise information, and the merchandise price information, the recognized disposable virtual card number, and the authentication information input from the user, ), And requests payment.

In step 1112, upon receipt of the payment request message, the electronic payment support apparatus 500 analyzes the disposable virtual card number included in the received payment request message and confirms validity of the disposable virtual card number. If the disposable virtual card number is valid, The identification information or the user identification information of the application which has issued the disposable virtual card number is identified and the payment information, that is, the account information or the telephone number, which the user has previously registered on the basis of the identification information or the user identification information is extracted, And transmits the message to the payment apparatus 600. [

Accordingly, in accordance with the payment information received by the payment apparatus 600 in step 1113, the transaction amount is transferred from the user's account to the account of the merchant user, or the transaction amount is added to the fee bill corresponding to the telephone number of the user And transmits the approval result message including the payment processing result information to the electronic payment support apparatus 500. [

Here, the account information of the merchant user may be registered in the electronic payment support device 500 in advance, or may be transmitted to the electronic payment support device 500 by the merchant point device 300 at the time of payment request. Accordingly, the electronic settlement support apparatus 500 extracts the account information of the merchant user from the settlement request message or the previously registered information, and further transmits the account information in the account transfer approval request message.

In step 1114, the electronic payment support apparatus 500 transmits an approval result message including the approval result information to the merchant point apparatus 300. In step 1115, the electronic payment support apparatus 500 transmits a result of the purchase purchase such as a receipt A payment result information transmission message including information may be transmitted to the terminal device 100 to inform the user and / or the franchisee user of the payment result. At this time, the merchant point device 300 confirms the approval result information upon receiving the approval result message, and when the payment approval is made, the merchant point device 300 can output the receipt through the force and provide it to the user of the terminal device 100. If the payment approval is unsuccessful or the disposable virtual card number is not valid, the merchant point device 300 notifies of the payment failure and can prompt the user to request the payment again.

The electronic payment support method for off-line commerce according to the present invention, which is performed as described above, may be implemented as a program, and the program instructions may be those specially designed and configured for the present invention or may be available to those skilled in the computer software have. For example, the recording medium may be an optical recording medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a compact disk read only memory (CD-ROM), a digital video disk (DVD) Includes a hardware device that is specially configured to store and execute program instructions such as a magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), a flash memory, do. Examples of program instructions may include machine language code such as those generated by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like. Such a hardware device may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

It should be noted that the embodiments of the present invention disclosed in the present specification and drawings are only illustrative of specific examples for the purpose of understanding and are not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

The present invention relates to a settlement system for offline commerce, a method and apparatus for offline account transfer settlement in the system, and a settlement system for offline commerce using a disposable virtual card number in an offline transaction settlement using an electronic settlement service. It is possible to safely perform settlement of a transaction occurring in the offline state without having a credit card (or a check card) because the user can make payment through real-time account transfer using the user's real bank account number or settlement through the micro-payment method have.

In addition, the present invention provides a disposable virtual card number valid only for a predetermined time in a terminal device, requests an offline account transfer settlement, and the terminal device does not record the account transfer information. Therefore, even when the terminal device is lost or left, Since information is not exposed, illegal settlement can be prevented and an electronic settlement service for secure offline commerce can be provided.

The present invention is applied to an electronic settlement field using credit card information, and is an advantageous invention for effecting electronic settlement more safely in settlement of offline transactions, thereby contributing to the development of the service industry .

100: terminal device 110:
120: connection interface unit 130: input unit
140: communication unit 150:
160: output unit 200: secure storage device
300: Merchant point device 500: Electronic payment support device
510: communication unit 520:
530: Storage unit 600: Payment device

Claims (15)

A settlement support application for supporting electronic settlement for offline commerce, requesting subscription of an electronic settlement service through execution of the settlement support application, issuing a disposable virtual card number valid only for a predetermined time from the electronic settlement support apparatus at the time of settlement A terminal device for providing the issued disposable virtual card number to the merchant device;
A merchant point device that receives the disposable virtual card number from the terminal device, receives transaction information on a specific offline commerce transaction, and requests the electronic payment support device to settle the transaction information using the disposable virtual card number; And
The settlement method information designating at least one of the account transfer method and the micropayment method from the terminal device that has requested the subscription of the electronic payment service and the settlement information necessary for processing the settlement according to the settlement method are collected and registered and the disposable When a disposable virtual card number valid only for the predetermined time is issued and transmitted according to a virtual card number issue request and then a payment request using the disposable virtual card number is received and the disposable virtual card number included in the payment request is valid, An electronic payment support device for supporting a micropayment or account transfer for the transaction information according to the payment method and payment information of the user,
Wherein the settlement system comprises: The method according to claim 1,
Further comprising a settlement device for performing the account transfer or the micropayment in cooperation with the electronic payment support device. A communication unit for transmitting and receiving data to and from the terminal device and the merchant point device through a communication network;
A payment method for designating one of the account transfer and the micropayment based on the user identification information or the application identification information for the payment support application installed in the terminal device of the user, and the payment information necessary for performing the payment according to the designated payment method , A disposable virtual card number valid only for a predetermined time is issued corresponding to the user identification information or the application identification information according to a request of the payment support application installed in the terminal device and is provided to the terminal device, Upon receipt of the payment request from the merchant point device, if the disposable virtual card number is valid, the payment method and payment information registered corresponding to the user identification information or the application identification information are extracted, and based on this, A control unit for processing the settlement in a manner of;
And a storage unit for storing the payment method, payment information, and the issued disposable virtual card number. 4. The apparatus of claim 3, wherein the control unit
A service subscription processing module for receiving and registering at least one of user identification information, application identification information, payment method, and payment information from the terminal device according to an electronic payment service subscription request for offline commerce from the terminal device; And
The method comprising: issuing the disposable virtual card number to the terminal device upon request of the installed payment support application of the terminal device; mapping the disposable virtual card number to one of the user identification information or application identification information and storing the disposable virtual card number; When requesting payment using the disposable virtual card number from the device,
And a payment processing module for extracting the payment method and payment information registered corresponding to the user identification information or the application identification information when the disposable virtual card number is valid and requesting the corresponding payment device for the account transfer or the micropayment based on the extracted payment method and payment information The electronic settlement support apparatus for offline commercial transactions. 5. The method according to claim 4,
Wherein the request for authentication of the payment information is requested to the payment apparatus before the registration, and if the payment information is authenticated, the registration is performed. 5. The payment processing system according to claim 4,
And receives the settlement processing result from the settlement apparatus and transmits the settlement result to at least one of the terminal apparatus and the merchant point apparatus. A communication unit for transmitting and receiving data to and from the merchant point device and the electronic payment support device;
An input unit for receiving a user request for electronic payment service subscription and payment processing;
A payment support application for an electronic settlement service in an offline commerce transaction is executed to request the electronic settlement support device to subscribe to an electronic settlement service for off-line commercial transactions to provide settlement information for account transfer or micropayment, And a control unit for issuing a disposable virtual card number valid for a predetermined time from the electronic settlement apparatus and providing the disposable virtual card number to the merchant point apparatus. 8. The method of claim 7,
Further comprising an output unit for outputting predetermined information under the control of the control unit,
Wherein the control unit converts the issued disposable virtual card number into a barcode form so that the merchant point device can recognize the disposable virtual card number through the barcode reader and outputs the converted disposable virtual card number to the barcode reader through the output unit. Device. 8. The method of claim 7,
Further comprising a connection interface unit connected to a secure storage medium having a short-range wireless communication function and a billing applet interlocked with the merchant point device to transmit and receive data,
Wherein the control unit stores the disposable virtual card number in the payment applet through the connection interface unit so that the merchant point apparatus can receive the disposable virtual card number from the secure storage medium through the short- . An electronic payment support apparatus,
A payment method for specifying one of the account transfer and the micropayment based on the user identification information or the application identification information for the payment support application installed in the terminal device, and the payment information necessary for performing the payment according to the designated payment method;
Issuing a disposable virtual card number valid only for a predetermined time in response to a request of a payment support application installed in the terminal device in response to the corresponding user identification information or application identification information and providing the disposable virtual card number to the terminal device;
Receiving a payment request using the disposable virtual card number from a merchant point device; And
If the validity of the disposable virtual card number is valid, extracts the registered payment method and payment information corresponding to the user identification information or the application identification information, and processes the settlement by using the account transfer or the micropayment method based on the extracted payment method and payment information step;
And an electronic settlement support method for offline commercial transactions. 11. The method of claim 10, wherein the step of processing the payment comprises:
In the case of the micro payment system, the electronic payment support apparatus extracts at least one of a telephone number of the user, cost information to be paid, and authentication information from at least one of the registered payment information or the payment request, To the payment device of the affiliated communication carrier, and requesting a micropayment settlement. 11. The method of claim 10, wherein the step of processing the payment comprises:
In the case of the account transfer system, the electronic payment support apparatus extracts at least one of user information, cost information to be paid, account information, account password, and account information of the merchant user from at least one of the registered payment information or the payment request And transmitting the extracted information to a settlement device of the corresponding financial institution to request a transfer of the electronic settlement. 11. The method of claim 10,
Further comprising the step of, when the payment processing is completed, transmitting a payment processing result to at least one of the merchant point device and the terminal device. In the terminal device,
Installing a payment support application for electronic payment support for offline commerce;
Requesting the electronic payment support device to join the electronic payment service for offline commerce through the payment support application and providing payment information necessary for performing at least one of micropayment or account transfer;
Receiving a valid disposable virtual card number for a predetermined period of time by requesting the electronic payment support apparatus through a payment support application; And
And providing the disposable virtual card number to the merchant point device. A computer-readable recording medium on which a program for executing an electronic payment support method for offline commerce according to any one of claims 10 to 14 is recorded.

Images