KR20140102571A - Method of paying electronic cash, server and system performing the same - Google Patents

Abstract

The present invention relates to an electronic money payment technology. The electronic money payment method performed by an electronic money payment server includes the steps of receiving, by the electronic money payment server, a payment request for a product based on a transaction amount of the product acquired in offline through a near field communications payment terminal and payment details including electronic money information; and deducting the payment amount from the electronic money by performing electronic money payment in the near field communications payment terminal through authentication for validation of the electronic money, thereby paying the electronic money through the mobile terminal of a near field communications (NFC) manner which does not have a purchase secure application module (PSAM) authentication module.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an electronic money payment method, a payment server,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money settlement technology, and more particularly, to an electronic money settlement method capable of performing electronic money settlement even at a settlement terminal having no electronic money authentication module, and a payment server and system .

The smart card has a built-in USIM (Universal Subscriber Identity Module) with smart card identification information and charging amount information, so that the user can play a role of a payment means for purchasing goods or paying for a transportation charge. A user mobile device (e.g., a smart phone) stores credit card information of a user or basic information of an individual, and payment of goods can be performed based on information stored in the user mobile device.

Korean Patent Laid-Open No. 10-2012-0114909 discloses a prepaid card payment server using an NFC portable terminal that tags a prepaid card directly to a mobile phone at the time of settlement using an online prepaid card and performs payment processing, and a method thereof do. Such a payment server can enable prepaid card payment anywhere, anytime, anywhere, without distinction between on-line, internet and mobile communication.

Korean Patent Laid-Open No. 10-2012-0117970 discloses a mobile terminal using NFC for payment of an NFC-based mobile card without a credit card or other means using a smartphone and other devices equipped with an NFC, . This terminal device can save the time and cost required for building an NFC-based mobile payment server, and enable quick and easy settlement of NFC-based mobile cards by activating coupons and points according to the settlement environment of stores and merchants. can do.

In the existing mobile payment method, leakage of credit payment information and leakage of basic information of an individual may occur due to loss or hacking of a mobile device, and mobile devices should additionally include various security modules for user authentication.

Korean Patent Laid-Open No. 10-2012-0114909 Korean Patent Laid-Open No. 10-2012-0117970

An embodiment of the present invention is to provide an electronic money settlement method capable of performing electronic money settlement even at a settlement terminal having no electronic money authentication module, and a settlement server and system for performing the electronic money settlement method.

One embodiment of the present invention is an electronic money settlement method capable of settlement of an electronic money through a mobile terminal of an NFC (Near Field Communication) method that does not go through a Purchase Secure Application Module (PSAM) System.

An embodiment of the present invention is to provide an electronic money settlement method capable of receiving an electronic money settlement by receiving payment details including product information and electronic money information, and a payment server and system for performing the electronic money settlement method.

An embodiment of the present invention is to provide an electronic money settlement method using an electronic money terminal capable of authenticating legitimacy of electronic money even in an electronic money settlement terminal having no electronic money authentication module.

In an electronic money settlement method, an electronic money settlement method is provided. The electronic money settlement method includes the steps of: (a) receiving, by the electronic money settlement server, Receiving a settlement request for the commodity based on the settlement history including the denomination information; and (b) performing an electronic money settlement of the short-distance communication portable payment terminal through the validity authentication of the electronic money, And subtracting the amount.

The step (a) may further comprise preparing an electronic money authentication pool including at least one electronic money authentication module in advance. The step (a) may include a step of authenticating the legitimacy of the corresponding settlement terminal based on the seller code included in the settlement history and obtained through the short-distance communication portable payment terminal.

The electronic money authentication pool may include a plurality of groups that can be differentially allocated according to the priority of the obtained seller code.

In one embodiment, the step (a) may further comprise the step of determining the specific electronic money authentication module by identifying the kind of electronic money obtained through the electronic money information. The step (a) may further include performing an upgrade operation by excluding at least some of the electronic money authentication modules from the electronic money authentication pool if the type of the identified electronic money is not recognized.

The electronic money authentication pool may include a different number of geographically separated electronic money authentication modules connected to the electronic money payment server and based on the frequency of use of the area.

In one embodiment, the method may further include the step of (c) registering the received payment details in the transaction record database for each seller code, and periodically providing the electronic transaction record statistics to the seller.

Among the embodiments, the electronic money payment server receives the settlement request of the goods based on the settlement history including the transaction amount of the goods obtained on the off-line via the short-distance communication portable payment terminal and the electronic money information, And a settlement amount deduction unit for subtracting the settlement amount from the electronic money by performing an electronic money settlement of the short distance portable portable payment terminal through validity authentication of the electronic money.

In one embodiment, the payment request receiving unit may prepare an electronic money authentication pool including at least one electronic money authentication module. The payment request receiving unit may detect at least one item of goods information based on the goods payment code that is included in the payment details and acquired through the goods-related bar code. The payment request receiver can authenticate the legitimacy of the payment terminal based on the seller code included in the payment details and acquired through the short-distance communication portable payment terminal.

The electronic money authentication pool may include a plurality of groups that can be differentially allocated according to the priority of the obtained seller code.

In one embodiment, the payment request receiver may determine the specific electronic money authentication module by identifying the type of electronic money obtained through the electronic money information. The settlement request receiving unit may perform at least some of the electronic money authentication modules in the electronic money authentication pool to perform an upgrade operation when the type of the identified electronic money is not recognized.

In one embodiment, the electronic money authentication pool may include a different number of geographically separated electronic money authentication modules connected to the electronic money payment server and based on the frequency of use of the area.

And a transaction record providing unit for registering the received payment details in the transaction record database for each seller code and periodically providing the electronic transaction record statistics to the seller.

Among the embodiments, the electronic money settlement system includes at least one short distance communication portable payment terminal for receiving at least one electronic money, a transaction amount of a product acquired on the off-line, and payment details including the electronic money information, And an electronic money settlement unit that receives the settlement request of the goods based on the settlement history from the settlement terminal and performs electronic money settlement of the short distance communication portable payment terminal through the validity authentication of the electronic money, And a money settlement server.

Among the embodiments, the electronic money settlement method is an electronic money settlement method performed in an electronic money settlement system, wherein a short distance portable handheld settlement terminal reads a barcode through a barcode reader to acquire a product settlement code and extracts at least one product information The short distance portable portable payment terminal generates a payment history including information on electronic money through short distance communication, and the electronic money payment server receives the payment details and subtracts the payment amount from the electronic money .

The electronic money settlement method according to an embodiment of the present invention can perform electronic money settlement even in a settlement terminal having no electronic money authentication module.

The electronic money settlement method according to an embodiment of the present invention can settle electronic money through a mobile terminal of an NFC (Near Field Communication) method that does not go through a Purchase Secure Application Module (PSAM) authentication module.

The electronic money settlement method and related technologies according to an embodiment of the present invention can perform electronic money settlement by receiving payment details including product information and electronic money information.

The electronic money settlement method and related technologies according to an embodiment of the present invention can authenticate the legitimacy of electronic money even in an electronic money settlement terminal having no electronic money authentication module.

1 is a view for explaining an electronic money settlement system according to an embodiment of the present invention.
FIG. 2 is a block diagram for explaining that the electronic money payment server shown in FIG. 1 is separated according to functions.
3 is a block diagram illustrating the electronic money payment server shown in FIG.
4 is a flowchart illustrating a settlement process performed by the electronic money payment server shown in FIG.
5 is a flowchart illustrating a settlement process performed in the electronic money settlement system of FIG.
FIG. 6 is a view showing registration of an affiliate shop through the electronic money payment server shown in FIG. 1. FIG.
FIGS. 7A and 7B are views showing the merchant opening and commodity registration through the local communication portable payment terminal of the disclosed technique.
FIGS. 8A, 8B and 8C are views showing goods inquiry, settlement, and receipt print through the short-range communication portable payment terminal shown in FIG.
FIG. 9 is a view showing a transaction history inquiry in the electronic money payment server shown in FIG. 1. FIG.

The description of the present invention is merely an example for structural or functional explanation, and the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, the embodiments are to be construed as being variously embodied and having various forms, so that the scope of the present invention should be understood to include equivalents capable of realizing technical ideas. Also, the purpose or effect of the present invention should not be construed as limiting the scope of the present invention, since it does not mean that a specific embodiment should include all or only such effect.

Meanwhile, the meaning of the terms described in the present application should be understood as follows.

The terms "first "," second ", and the like are intended to distinguish one element from another, and the scope of the right should not be limited by these terms. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

It should be understood that the term " and / or " includes all possible combinations from one or more related items. For example, the meaning of " first item, second item and / or third item " may be presented from two or more of the first, second or third items as well as the first, second or third item It means a combination of all the items that can be.

It is to be understood that when an element is referred to as being "connected" to another element, it may be directly connected to the other element, but there may be other elements in between. On the other hand, when an element is referred to as being "directly connected" to another element, it should be understood that there are no other elements in between. On the other hand, other expressions that describe the relationship between components, such as "between" and "between" or "neighboring to" and "directly adjacent to" should be interpreted as well.

It should be understood that the singular " include "or" have "are to be construed as including a stated feature, number, step, operation, component, It is to be understood that the combination is intended to specify that it does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

In each step, the identification code (e.g., a, b, c, etc.) is used for convenience of explanation, the identification code does not describe the order of each step, Unless otherwise stated, it may occur differently from the stated order. That is, each step may occur in the same order as described, may be performed substantially concurrently, or may be performed in reverse order.

1 is a view for explaining an electronic money settlement system according to an embodiment of the present invention.

1, an electronic money settlement system 100 includes a short distance portable handheld settlement terminal 110, an electronic money settlement server 120 and an electronic money 130, which are connected to a wired or wireless network , And the Internet), respectively.

The short-distance communication portable payment terminal 110 is a computing device carried by a seller who sells goods, and is a merchant terminal capable of performing settlement of an electronic money 130 in cooperation with an electronic money settlement server 120 via a network in off- . For example, the short-range communication portable payment terminal 110 may correspond to a smart phone or a tablet PC (Personal Computer) supporting NFC (Near Field Communication).

The short-range communication portable payment terminal 110 can register the seller code including the short-distance communication portable payment terminal 110 information to the electronic money payment server 120 and use the service provided by the electronic money payment server 120. [

The local communication portable billing terminal 110 can register the goods information in the internal memory and / or the external memory of the local communication portable billing terminal 110 by recognizing the barcode of the goods through the built-in camera. In one embodiment, the short-distance communication portable payment terminal 110 can recognize the barcode of the goods and obtain the barcode number of the goods, the name of the goods manufacturer, the name of the goods, and the price.

 The local communication portable payment terminal 110 may interact with the printer via a network (e.g., Bluetooth). Here, the short-range communication portable payment terminal 110 can transmit the goods payment information to the printer, and the printer can output the goods payment receipt.

The electronic money payment server 120 is a computing device that performs settlement of the electronic money 130 through the short distance communication portable payment terminal 110. In one embodiment, And can receive the electronic money 130 settlement request through the communication portable payment terminal 110.

The electronic money payment server 120 can receive the electronic money 130 information from the short distance portable billing terminal 110 and authenticate the electronic money 130 through the electronic money authentication pool. In one embodiment, the electronic money payment server 120 can identify the type of the electronic money 130, wherein the electronic money payment server 120 identifies the type of the electronic money 130 that has not been registered The electronic money 130 can be registered in the electronic money authentication pool.

The electronic money settlement server 120 may be connected to the electronic money settlement server to request a settlement amount of the electronic money 130. [ The electronic money payment server 120 registers the payment records transacted through the short distance communication portable payment terminal 110 in the database and stores the seller who owns the short distance communication portable payment terminal 110 and the electronic money 130 You can periodically provide transaction history statistics to your users.

The electronic money 130 can be carried by a merchandise purchasing user. In one embodiment, the electronic money 130 may transfer cash to a card having a semiconductor chip built therein before purchasing the product, and settle the goods through the short-distance communication portable payment terminal 110 within the amount of money transferred.

FIG. 2 is a block diagram for explaining that the electronic money payment server shown in FIG. 1 is separated according to functions.

2, the electronic money payment server 120 includes a communication unit 210, an authentication unit 220, a database unit 230, and a control unit 240. The communication unit 210, the authentication unit 220, The database unit 230 and the control unit 240 may be implemented respectively.

The communication unit 210 may request the authentication unit 220 to authenticate the electronic money 130 by receiving the settlement request of the electronic money 130 from the local communication portable billing terminal 110. [ In one embodiment, the communication unit 210 receives a settlement history for the goods settlement code, the seller code, the electronic money 130 information (for example, the electronic money 130 identification code) from the short distance portable portable payment terminal 110 And may receive an electronic money 130 settlement request.

The communication unit 210 can receive the settlement authentication completion of the electronic money 130 from the authentication unit 220 and transmit the authentication result to the short distance communication portable settlement terminal 110. [ The communication unit 210 can receive merchandise transaction information from the handy payment terminal 110 and request the database unit 230 to register a transaction record.

The authentication unit 220 includes an electronic money authentication pool therein and can authenticate the electronic money 130 based on the electronic money 130 information received by the communication unit 210. [

In one embodiment, the authentication unit 220 may authenticate the electronic money 130 using a Purchase Secure Application Module (PSAM) for the local communication portable payment terminal 110. The PSAM is compatible with the electronic money 130 of the whole country, so that the electronic money 130 can be conveniently used anytime and anywhere.

The database unit 230 can store the transaction information in the transaction record database when receiving the transaction record registration request from the communication unit 210. [ In one embodiment, the database unit 230 may provide the merchant or electronic money 130 owner with a transaction record for the merchandise when viewing transaction details.

The control unit 240 may control the overall operation of the electronic money payment server 120 and may control the control flow or data flow between the communication unit 210, the authentication unit 220 and the database unit 230.

3 is a block diagram illustrating the electronic money payment server shown in FIG.

3, the electronic money settlement server 120 includes a settlement request receiving unit 310, a settlement amount deduction unit 320, a transaction record providing unit 330, and a control unit 340.

The settlement request receiving unit 310 can receive the payment details including the transaction amount of the goods and the electronic money 130 information on the off-line through the local communication portable payment terminal 110.

In one embodiment, the settlement request receiving unit 310 may prepare an electronic money authentication pool including at least one electronic money authentication module in advance. For example, the payment request receiving unit 310 may prepare an electronic money authentication pool including 100 electronic money authentication modules, and each electronic money authentication module may identify the types of the electronic money 130 You can implement a program that does. Here, the 60 electronic money authentication modules can be implemented as the first electronic money authentication module so as to identify the prepaid transportation card, and the 20 electronic money authentication modules can be implemented as the second electronic money authentication module, The ten electronic money authentication modules may be implemented as a third electronic money authentication module so as to identify the other electronic money 130 and the remaining ten electronic money authentication modules may be implemented as prepayment traffic Card, an electronic cultural gift certificate, an electronic book gift certificate, and other electronic money 130 as a fourth electronic money authentication module.

The settlement request receiving unit 310 may receive the goods-related barcode from the near-field portable billing terminal 110 to obtain the goods payment code. The payment-request receiving unit 310 may receive at least one goods information Can be detected. Here, the product information may be included in the payment history. For example, the merchandise-related barcode may include the name of the merchandise, the manufacturer of the merchandise, and the price information of the merchandise.

The payment request receiving unit 310 can acquire the seller code through the local communication portable payment terminal 110 and authenticate the legitimacy of the payment terminal based on the seller code. Here, the seller code may be included in the payment history. For example, the seller code may include a sales business name, a merchant's merchant number (e.g., a business registration number), merchant information (e.g., merchant name, social security number and telephone number) A registration date and a date of cancellation. The legitimacy of the payment terminal can be determined depending on whether the payment terminal is registered in the electronic money payment server 120 or not. When the payment terminal is registered in the electronic money payment server 120, the payment request receiving unit 310 can authenticate the legitimacy of the payment terminal.

In one embodiment, the settlement request receiving unit 310 can differentially allocate the electronic money authentication pool according to the priority of the acquired seller code. The electronic money authentication pool can be implemented as a plurality of groups. In one embodiment, the priority of the merchant code may vary depending on the frequency of transactions of the payment terminal, for example, the higher the priority, the higher the transaction frequency. In another embodiment, the priority of the merchant code may be differentiated according to the commission rate of the payment terminal, for example, the higher the commission rate, the higher the priority may be.

The settlement request receiving unit 310 divides the settlement terminals (for example, the first to tenth places) including a seller code having a high priority into a first group and divides the remaining settlement terminals into a second group, Authentication modules may be assigned. In one embodiment, the first group and the second group may determine the execution order in a round-robin manner within each group. In another embodiment, the first group and the second group can determine the execution order in a high-fee priority processing manner within each group.

The settlement request receiving unit 310 can receive the settlement request of the commodity based on the settlement history from the short-range communication portable settlement terminal 110. [

In one embodiment, the settlement request receiving unit 310 may receive a payment history including the electronic money 130 information from the short-distance communication portable payment terminal 110 to select a specific electronic money authentication module from the electronic money authentication pool. For example, the electronic money 130 information may include an electronic money 130 identification code used for authentication of the electronic money 130 and a usable amount (for example, a balance).

The payment request receiving unit 310 can determine a specific electronic money authentication module by identifying the type of the electronic money 130 obtained through the electronic money 130 information. In one embodiment, the settlement request receiving unit 310 may determine one or a plurality of first to fourth electronic money authentication modules to a fourth electronic money authentication module according to a payment mechanism classified according to the type of the electronic money 130.

If the type of the identified electronic money 130 is not recognized, the payment request receiving unit 310 can perform at least some of the electronic money authentication modules from the electronic money authentication pool to perform the upgrade operation. For example, when the payment request receiving unit 310 identifies the electronic money 130 not implemented in the first to fourth electronic money authentication modules to the third electronic money authentication module and / or the fourth electronic money authentication module, The third electronic money authentication module and / or the fourth electronic money authentication module may be implemented so as to identify the unidentified electronic money 130 by excluding the authentication module, and then merged into the electronic money authentication pool.

In an embodiment, the settlement request receiving unit 310 may include an electronic money authentication module, which is connected to the electronic money settlement server 120 and is divided into different regions based on the frequency of use of the region. For example, the frequency of use may be determined according to the number of concurrent users, and the settlement request receiving unit 310 may be configured such that the frequency of use (e.g., Seoul and Kyunggi) More modules can be deployed.

The settlement amount deduction unit 320 can settle the electronic money 130 of the local communication portable payment terminal 110 through the validity authentication of the electronic money 130 to deduct the payment amount. For example, the validity of the electronic money 130 information may vary depending on whether the issuer of the electronic money 130 registers the electronic money 130 or the balance of the electronic money 130 in which the goods can be paid .

When the validity of the electronic money 130 information is authenticated, the settlement amount deduction unit 320 may request the electronic money settlement server to pay the fee based on the payment details. The settlement amount deduction unit 320 subtracts the predetermined settlement fee and transfers the settlement amount to the account of the seller associated with the settlement terminal when the requested cost payment is completed.

The transaction record providing unit 330 may register the received payment details in the transaction record database for each seller code and periodically provide the electronic transaction record statistics to the seller. The electronic transaction record may include an electronic money 130 number, a transaction date, a transaction location, a transaction amount, and a balance after the transaction.

The control unit 340 controls the overall operation of the electronic money settlement server 120 and controls the control flow or data flow between the settlement request receiving unit 310, the settlement amount deduction unit 320 and the transaction record providing unit 330 .

4 is a flowchart illustrating a settlement process performed by the electronic money payment server shown in FIG.

Referring to FIG. 4, the settlement request receiving unit 310 receives payment details including the transaction amount of the commodity and the electronic money 130 through the short-distance communication portable payment terminal 110 (step S401). The settlement request receiving unit 310 prepares an electronic money authentication pool including at least one electronic money authentication module (step S402). The electronic money authentication module may be divided into a plurality of electronic money authentication modules according to the type of the electronic money 130.

The local communication portable billing terminal 110 may read the goods-related barcode and transmit it to the settlement request receiving unit 310. The settlement request receiving unit 310 obtains the goods payment code from the goods-related barcode and detects at least one goods information (Step S403).

The payment request receiving unit 310 authenticates the legitimacy of the payment terminal based on the seller code acquired from the local communication portable payment terminal 110 (step S404). If the payment terminal is registered in the electronic money payment server 120, the payment request receiving unit 310 receives the payment request for goods from the short distance portable portable payment terminal 110 and detects the information of the electronic money 130 (step S405 And step S406), the settlement request receiving unit 310 terminates the electronic money 130 settlement service if the settlement terminal is not registered in the electronic money settlement server 120. [

The payment request receiving unit 310 identifies the type of the electronic money 130 based on the detected electronic money 130 information and identifies the type of the electronic money 130 in the electronic money authentication pool to select a specific electronic money authentication module (Steps S407 and S409). On the other hand, if the payment request receiving unit 310 can not grasp the type of the electronic money 130 in the electronic money authentication pool, the payment request receiving unit 310 excludes at least some of the electronic money authentication modules from the electronic money authentication pool, (Step S408 and step S409).

The settlement amount deduction unit 320 authenticates the validity of the electronic money 130 information through the specific electronic money authentication module selected in step S409 to perform settlement of the electronic money 130 of the short distance communication portable payment terminal 110 S410).

When the validity of the electronic money 130 information is authenticated, the payment amount deduction unit 320 requests the electronic money settlement server to pay the fee based on the payment details (step S411).

The settlement amount deduction unit 320 deducts the predetermined settlement fee and transfers the settlement amount to the account of the seller associated with the settlement terminal when the requested fee payment is completed (step S412). Here, the settlement amount deduction unit 320 subtracts the amount of money transferred from the electronic money 130 when the payment amount is transferred to the account of the seller.

In one embodiment, the settlement fee may be calculated through the following equation.

[Mathematical Expression]

P_C = g (f (pay) * C) * r (reg)

Here, f (pay) is the commodity settlement cost deposited according to the settlement history, C is a certain rate according to the settlement commission, and r (reg) is the additional discount rate depending on the transaction frequency of the settlement terminal. For example, a commodity settlement cost is 30,000 won, a certain ratio according to a settlement commission is set at 1%, and a settlement commission may be 300 won if the settlement terminal can not receive an additional discount due to a low transaction frequency .

In another example, the commodity settlement cost is 30,000 won, a certain ratio is set at 1% according to the settlement commission, and the settlement commission is 330 won when the settlement terminal has a high transaction frequency and further discounts 10% .

In another embodiment, the settlement fee can be calculated through the following equation.

[Mathematical Expression]

P_C = f (pay) * C * g (r (total))

Here, f (pay) is a commodity settlement cost according to the settlement history, C is a certain ratio according to the settlement commission, and r (reg) is an additional discount rate according to the total settlement amount. For example, if the commodity payment cost is 100,000 KRW, a certain percentage is set as 1% according to the payment commission, and the total amount of the commodity payment is 150,000 won, which is less than the predetermined total amount, 1,000 won.

In another example, the commodity settlement cost is 100,000 won, a certain ratio according to the settlement commission is set at 1%, the total amount of commodity settlement is 300,000 won, which is more than the predetermined total amount, so that an additional 0.1% The payment fee may be 1,300 won.

The transaction record providing unit 330 registers the received payment details in the transaction record database for each seller code (step S413).

5 is a flowchart illustrating a settlement process performed in the electronic money settlement system of FIG.

5, the short-distance communication portable billing terminal 110 scans a barcode of a product to be purchased by the owner of the electronic money 130 and transmits the electronic money 130 (hereinafter, the electronic money 130 is implemented as a device) (Step S501 and step S502).

The electronic money 130 receives the goods settlement request, and subtracts the balance transferred from the goods payment amount, thereby generating an identification value Sign 1 for identifying the electronic money 130 and the deduction amount (step S503). The electronic money 130 transfers the Sign1 value to the short-distance communication portable billing terminal 110 through NFC communication (step S504).

The short-distance communication portable payment terminal 110 receives the Sign1 value and transmits the Sign1 value to the electronic money settlement server 120 through the wireless communication network (step S505).

The electronic money payment server 120 authenticates the Sign1 value through the electronic money authentication pool, and the electronic money payment server 120 generates an identification value Sign2 indicating that the corresponding Sign1 value is correctly authenticated through the PSAM (step S506). The electronic money payment server 120 transmits the Sign2 value to the short-distance communication portable payment terminal 110 via the wireless communication network (step S507).

The short-distance communication portable payment terminal 110 receives the Sign2 value and transmits the Sign2 value to the electronic money 130 through the NFC communication (step S508).

The electronic money 130 updates the transfer balance in accordance with the value of Sign2 (step S509), and the short-range communication portable payment terminal 110 transmits the payment for the goods settlement through the receipt printer connected via wireless communication (for example, Bluetooth) And outputs the receipt to the electronic money 130 (here, the electronic money 130 is a goods purchaser) (steps S510 and S511).

FIG. 6 is a view showing registration of an affiliate shop through the electronic money payment server shown in FIG. 1. FIG.

Referring to FIG. 6, the merchant registration can be performed through the merchant management page provided by the electronic money payment server 120. The merchant registration may be performed by filling out the merchant information, and the merchant information may include the merchant number, the merchant store registration date / termination date, and the business site information.

In one embodiment, the business location information may include a business name, a business registration number, a telephone number, a merchant location, and representative information, and the representative information may include a representative name, a resident registration number, and a mobile phone number.

When the merchant registration is completed, the merchant number can be registered in the short-distance communication portable payment terminal 110, and the business name can be output to the merchandise transaction receipt.

FIGS. 7A and 7B are views showing the merchant opening and commodity registration through the local communication portable payment terminal of the disclosed technique.

7A and 7B, the merchant opening and product registration can be performed by installing an APP (APP) supporting payment of the electronic money 130 in the portable communication terminal 110 for close communication.

The activation of an affiliate shop can be performed by selecting an affiliate store management tab by executing an installed app and inputting a merchant number.

The merchandise registration can be performed after the opening of the merchant shop is completed. The merchandise registration can be performed by selecting the merchandise registration tab and pressing the barcode reading button to recognize the merchandise barcode with the camera mounted on the portable communication settlement terminal 110. [ The product registration can be performed by automatically inputting the bar code number, product manufacturer name, product name, and product price information through the recognized bar code.

The products for which product registration has been completed may be stored in the short-distance communication portable payment terminal 110, and the product information can be inquired through the product bar code recognition.

FIGS. 8A, 8B and 8C are views showing goods inquiry, settlement, and receipt print through the short-range communication portable payment terminal shown in FIG.

Referring to FIGS. 8A, 8B, and 8C, product inquiry may be performed by selecting a purchase item tab. The merchandise inquiry can inquire a plurality of merchandise lists by recognizing merchandise barcodes through a camera mounted on the portable communication settlement terminal 110 by pressing the barcode reading button. In one embodiment, the goods registered in the short-distance communication portable payment terminal 110 can be recognized through the camera of the short-distance communication portable payment terminal 110 to inquire the merchandise name, the product quantity and the total for the goods barcode.

The goods settlement can settle the products on which the product inquiry has been performed. The goods settlement can be performed by confirming the goods settlement total and the quantity based on the recognized goods barcode information.

Payment completion can be confirmed by viewing the transaction history through the merchant management tab, and the receipt printer can output the transaction receipt based on the transaction history.

FIG. 9 is a view showing a transaction history inquiry in the electronic money payment server shown in FIG. 1. FIG.

Referring to FIG. 9, the electronic money settlement server 120 may provide transaction details to the seller and / or the owner of the electronic money 130. The commodity transaction details include payment details including the electronic money 130 use area, the issuer of the electronic money 130, the electronic money 130 use place, the payment terminal number, the electronic money 130 number, the transaction type, Input, search, and retrieval.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit and scope of the present invention as defined by the following claims It can be understood that

100: Electronic money payment system
110: Local communication portable payment terminal
120: electronic money settlement server
130: Electronic money
210:
220:
230:
310: Payment Request Receiver
320: Payment amount deduction part
330: Transaction record keeping
240, 340:

Claims (19)

An electronic money settlement method performed by an electronic money settlement server,
(a) receiving a settlement request for the goods based on a settlement history including the transaction amount of the goods and the electronic money information obtained by the electronic money settlement server offline via the local communication portable settlement terminal; And
(b) performing an electronic money settlement of the short-range communication portable payment terminal through validation of the electronic money to subtract the payment amount from the electronic money.
The method of claim 1, wherein step (a)
Further comprising a step of preparing an electronic money authentication pool including at least one electronic money authentication module in advance.
3. The method of claim 2, wherein step (a)
And authenticating the legitimacy of the payment terminal based on the seller code included in the payment details and acquired through the short-range communication portable payment terminal.
The electronic money authentication system according to claim 3, wherein the electronic money authentication pool
And a plurality of groups that can be differentially allocated according to the priority of the obtained seller code.
3. The method of claim 2, wherein step (a)
Further comprising the step of determining a specific electronic money authentication module by identifying the type of electronic money obtained through the electronic money information.
3. The method of claim 2, wherein step (a)
Further comprising the step of excluding at least some of the electronic money authentication modules from the electronic money authentication pool and performing an upgrade operation when the type of the identified electronic money is not recognized.
The electronic money authentication system according to claim 2, wherein the electronic money authentication pool
And an electronic money authentication module connected to the electronic money settlement server and having a different number of locally separated electronic money authentication modules based on the frequency of use of the area.
The method according to claim 1,
(c) registering the received payment details in the transaction record database for each seller code, and periodically providing the electronic transaction record statistics to the seller.
A settlement request receiving unit for receiving a settlement request for the commodity based on a settlement history including an amount of a transaction of a commodity acquired in an off-line via the short-distance communication portable settlement terminal and electronic money information; And
And a settlement amount deduction unit for performing an electronic money settlement of the short distance portable handheld settlement terminal through validation of the electronic money to subtract the settlement amount from the electronic money.
The method of claim 9, wherein the payment request receiving unit
And an electronic money authentication pool including at least one electronic money authentication module is prepared in advance.
The method of claim 9, wherein the payment request receiving unit
And detects at least one commodity information based on the commodity settlement code included in the settlement history and obtained through the commodity-related barcode.
The method of claim 10, wherein the payment request receiving unit
And authenticates the legitimacy of the payment terminal based on the seller code included in the payment details and acquired through the local communication portable payment terminal.
13. The electronic money authentication system according to claim 12, wherein the electronic money authentication pool
And a plurality of groups that can be differentially allocated according to the priority of the obtained seller code.
The method of claim 10, wherein the payment request receiving unit
And determines the specific electronic money authentication module by identifying the kind of electronic money obtained through the electronic money information.
The method of claim 10, wherein the payment request receiving unit
And when the type of the identified electronic money is not recognized, at least part of the electronic money authentication module is excluded from the electronic money authentication pool to perform the upgrade operation.
The electronic money authentication system according to claim 10, wherein the electronic money authentication pool
And an electronic money authentication module connected to the electronic money settlement server and having a different number of locally separated electronic money authentication modules based on the frequency of use of the area.
10. The method of claim 9,
Further comprising a transaction record providing unit for registering the received payment details in the transaction record database for each seller code and periodically providing the electronic transaction record statistics to the seller.
At least one electronic money;
At least one short distance communication portable payment terminal for receiving a transaction amount of a product acquired in offline and payment details including information of the electronic money; And
And a payment server for receiving the settlement request of the goods based on the settlement history from the local communication portable settlement terminal and performing electronic money settlement of the local communication portable payment terminal through validity authentication of the electronic money, And an electronic money settlement server which subtracts the electronic money settlement server from the electronic money settlement server.
In an electronic money settlement method performed in an electronic money settlement system,
The short distance portable portable payment terminal reads the bar code through the bar code reader to acquire the goods payment code and extracts at least one product information, and the short distance portable portable payment terminal creates the payment details including the information of the electronic money through the short distance communication ; And
And the electronic money payment server receives the payment details and subtracts the payment amount from the electronic money.

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