KR20140107057A - Payment system for enabling NFC terminal to work as a payment dongle and method thereof - Google Patents

Abstract

The present invention relates to an electronic payment and, more specifically, to a payment system which enables a near field communications (NFC) terminal to serve as a dongle of a payment terminal. According to an aspect of the present invention, a payment system, which uses the NFC terminal as a dongle for inputting card information of a smart card to a payment terminal, is provided. The payment system comprises a plurality of payment terminals which process payment by using the card information provided from the NFC terminal; and a dongle gateway which identifies the NFC terminal, to which a card information request is to be sent by using a payment terminal identifier, a payment identifier, a customer identifier, and payment details received from any one among the payment terminals, sends the card information request to the identified NFC terminal, and sends the card information, which is received as a response, to a payment terminal corresponding to the payment terminal identifier among the payment terminals.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment system for a payment dongle function of an NFC terminal,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to electronic settlement, and more particularly to a settlement system capable of operating an NFC terminal as a dongle of a settlement terminal.

Credit cards are often used as a means of paying for services or purchases. In recent years, credit cards with embedded RF functions have become popular, allowing payment to be made only when a credit card is close to a NFC dongle installed at a POS (point of sale). At the same time, it is possible to shorten the settlement time by connecting several NFC dongles to each POS by installing several POSs in a place such as a food code that many people use in order to make a lot of payment at the same time. However, in order to make payment, you still have to stand in line and wait for your turn, then order and pay. In other words, since the number of POSs is increased and the NFC dongle is connected, POS can not accept orders from multiple users at the same time or proceed payment.

Also, the buyer can always make a payment only by carrying a credit card. Unlike a loyalty card or membership card, a credit card can not be used as a means of payment even if the cardholder knows the card information unless the legitimate owner has a real card. For example, if a parent intends to use a parent's credit card under a parent's consent, payment can not be made because the child is not the owner of the parent's credit card. As another example, even if the parents inform the store staff about the card information, the payment can not be made because there is no physical card.

On the other hand, when purchasing services or goods through home shopping or telemarketing, credit cards are used as the only payment means. However, since the card information is transferred to the agent over the telephone, there is a risk of information leakage, but there is no specific alternative to overcome it.

KR2003-0012053 10

Embodiments of the present invention are intended to solve the inconvenience that conventional credit cards can be used only for face-to-face payment. That is, even if the merchant purchaser does not carry the real card, the payment by the card holder at the remote location can be performed.

In addition, the embodiments of the present invention are intended to enable simultaneous order acceptance and simultaneous settlement of a current credit card-based settlement method in which simultaneous order acceptance or concurrent settlement is impossible. That is, the present invention is intended to implement the same function as a plurality of NFC dongles corresponding to the number of goods buyers connected to the payment terminal.

In addition, the embodiments of the present invention are intended to enable a merchandise purchaser to make payment without exposing card information to others. That is, the purchaser of the product can make payment by using information such as a telephone number or an ID instead of the card information.

According to an aspect of the present invention, there is provided a payment system using an NFC terminal as a dongle for inputting card information of a smart card to a payment terminal. The settlement system includes a plurality of settlement terminals for performing settlement processing using the card information provided from the NFC terminal and a settlement terminal identifier, a settlement identifier, a customer identifier, and a settlement history received from any one of the settlement terminals, And a dongle gateway for requesting the card information to the identified NFC terminal and transmitting the received card information to the settlement terminal corresponding to the settlement terminal identifier of the plurality of settlement terminals do.

Here, the dongle gateway may include a billing terminal communication interface for communicating with the plurality of payment terminals through a first communication network, an NFC terminal communication interface for communicating with the NFC terminal identified through the second communication network, A payment terminal processing module for mapping an NFC terminal identifier for requesting card information to a customer identifier received from a payment terminal and transmitting the card information received from the NFC terminal corresponding to the NFC terminal identifier to a payment terminal corresponding to the payment terminal identifier, And an NFC terminal processing module for requesting card information to the NFC terminal corresponding to the NFC terminal identifier through the NFC terminal communication interface.

The dongle gateway includes an NFC terminal decryption module for decrypting the encrypted card information received from the NFC terminal corresponding to the NFC terminal identifier through the NFC terminal communication interface, A payment software authentication module for determining the validity of the payment software using the payment software identifier received from the NFC terminal and a payment terminal encryption module for encrypting the card information to be transmitted to the payment terminal corresponding to the payment terminal identifier .

Here, the payment terminal can decrypt the encrypted card information.

Meanwhile, the payment terminal can perform a new payment process between the time when the payment information is requested by the dongle gateway and the time when the card information is received.

Also, the payment terminal can adjust the card information input limit time.

According to another aspect of the present invention, there is provided a payment method for using an NFC terminal as a dongle for inputting card information of a smart card to a payment terminal. The payment method includes the steps of the payment terminal generating a card information input request including a payment terminal identifier, a payment identifier, a customer identifier, and a payment history; when receiving the card information input request through the communication network, Mapping the NFC terminal identifier requesting the card information to the dongle gateway, transmitting the card information request message to the NFC terminal corresponding to the NFC terminal identifier, receiving the card information from the NFC terminal, Transmitting the card information to a payment terminal corresponding to the payment terminal identifier, and performing settlement processing using the card information received by the payment terminal from the dongle gateway.

The step of transmitting the card information to the payment terminal corresponding to the payment terminal identifier by the dongle gateway upon receiving the card information from the NFC terminal may include decoding the encrypted card information received from the NFC terminal, Determining the validity of the payment software using the payment software identifier received from the NFC terminal, and encrypting the card information to be transmitted to the payment terminal corresponding to the payment terminal identifier.

According to the embodiment of the present invention, the inconvenience that the conventional credit card can be used only for face-to-face settlement is solved. That is, even if the merchandise purchaser does not carry the real card, payment can be made by the card holder at the remote place.

In addition, simultaneous order acceptance and simultaneous payment can be performed simultaneously with the current credit card payment method which can not accept simultaneous orders or simultaneous payment. That is, a plurality of NFC dongles corresponding to the number of merchandise buyers are connected to the settlement terminal, and payment can proceed.

In addition, the goods purchaser can make payment without exposing the card information to the other person. That is, the buyer of the goods can make payment using information such as a telephone number or an ID instead of the card information.

Hereinafter, the present invention will be described with reference to the embodiments shown in the accompanying drawings.
1 is a diagram illustrating a configuration of a payment system according to an embodiment of the present invention.
2 is a functional block diagram of the configuration of the dongle gateway shown in Fig.
3 is a flowchart illustrating a settlement process by the settlement system shown in FIG.
4 is a diagram illustrating an exemplary screen displayed on an NFC terminal and a payment terminal during the settlement process shown in FIG.

While the present invention has been described in connection with certain exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

1 is a diagram illustrating a configuration of a payment system according to an embodiment of the present invention. Referring to FIG. 1, the billing system includes a dongle gateway and one or more payment terminals. The payment system is communicably connected to the NFC terminal through a communication network.

The NFC terminals 100A and 100B can communicate with the outside by setting a plurality of communication paths. Typical NFC terminals 100A and 100B are mobile phones and tablets, but are not limited thereto. The communication path is a voice or data communication path through a wireless communication network, such as a mobile communication network such as WCDMA, a wireless communication network such as Wi-Fi, and a short-range wireless communication network such as NFC , But is not limited thereto.

The NFC terminals 100A and 100B operate as an RF dongle and provide card information of the smart card to the payment terminal. To this end, the NFC terminals 100A and 100B drive settlement software for performing settlement. The payment software can be downloaded through the communication network 140 and stored in the NFC terminals 100A and 100B. The payment software may be driven by a customer operation or a card information request message received from the dongle gateway 110. [ The payment software operates in the NFC reader mode by the NFC terminals 100A and 100B to acquire the card information stored in the smart card, encrypts the acquired card information, and transmits the encrypted card information to the dongle gateway 110 through the communication network 140. [ At this time, in order to verify the validity of the card information transmitted by the NFC terminals 100A and 100B, the payment software can transmit the unique payment software identifier allocated at the time of downloading or installation together with the card information.

The smart cards 105A and 105B may be, for example, a credit card, a cash card, an electronic money, a prepaid card, or the like, and have a function of transmitting card information through RF communication with the NFC terminals 100A and 100B. The card information includes a card number, and may further include an expiration date, a card verification code (CVC), and the like.

The dongle gateway 110 allows the NFC terminals 100A and 100B to operate as a dongle. The dongle gateway 110 is communicably connected to one or more NFC terminals 100A and 100B through a communication network 140 and communicably connected to one or more payment terminals 120A and 120C through a communication network 150. [ The dongle gateway 110 includes one or more processors and a memory for executing software that performs an operation of transferring card information between the NFC terminals 100A and 100B and the payment terminals 120A and 120C. Additionally, the dongle gateway 110 may include an internal or external storage device, which can record and reproduce information electronically, magnetically, or optically. The configuration of the dongle gateway 110 will be described in detail with reference to FIG.

The settlement terminals 120A to 120C are terminals for performing payment by a smart card provided by a customer and / or inputting transaction details. The settlement terminals 120A to 120C can request the approval of the settlement amount paid by the customer in payment for the service or the product purchase through the settlement network 130, and receive the processing result. The payment terminals 120A to 120C may be POS (point of sale) or the like. In the case of a home shopping call center, the ARS for inputting customer's order and payment information or the personal computer of the agent may be a payment terminal.

For this, the payment terminals 120A to 120C can receive the customer identifier along with the transaction details. The customer identifier is information corresponding to the customer, for example, the telephone number of the customer's NFC terminal, the customer's ID, etc., but is not limited thereto. The customer identifier is provided by the customer and can be input to the payment terminal 120A-120C in a variety of ways. For example, if the customer informs the agent through the home shopping order phone, the agent can input the telephone number to the payment terminal 120A or 120C as the customer identifier. As another example, as illustrated in FIG. 4, the payment terminal 120A-120C may obtain the customer identifier by sending an order message to the payment terminal 120A-120C. The above-described method of acquiring the customer identifier is merely an example, and the customer identifier can be obtained in various other ways.

Unlike face-to-face payment, payment using an NFC terminal may take some time to receive card information. Accordingly, the payment terminals 120A to 120C can distinguish between face-to-face settlement using physically connected dongles and settlement using the NFC terminals 100A and 100B. For example, the settlement terminals 120A to 120C can set the card information input limit time longer than the case of face-to-face settlement for the settlement using the NFC terminals 100A and 100B.

On the other hand, the payment terminals 120A to 120C can perform a new payment process between the time when the payment information is requested by the dongle gateway 110 and the time when the card information is received. For this purpose, the payment terminals 120A to 120C temporarily store the settlement details and the settlement identifier using the NFC terminal, and then process it in the same manner as face-to-face settlement when receiving the card information from the dongle gateway 110. [ That is, the payment details using the NFC terminal are maintained in the processing pending state, and the pending state is released at the time of receiving the card information. Therefore, the settlement terminals 120A to 120C can perform settlement of payment by face-to-face settlement of another customer or settlement using another NFC terminal during card information request to card information reception. The above-described processing method is merely an example, and payment processing using the NFC terminals 100A and 100B can be performed in various other ways.

On the other hand, the payment terminals 120A to 120C can decrypt the card information encrypted and transmitted from the dongle gateway 110. [ By making the encryption scheme with the dongle gateway 110 the same as the encryption scheme used in the payment network 130, it is possible to implement security enhanced communication.

The payment network 130 includes a system for accepting payments made at the payment terminals 120A to 120C and processing the approved payment procedures and a communication network connected to the payment terminals 120A to 120C. The system receiving the authorization request can be different depending on the type of smart card and the type of payment terminal. In the case of a credit card, the credit card company, Value Added Network, or Payment Gateway But is not limited thereto.

The communication networks 140 and 150 are wired or wireless networks capable of data communication, and a closed network that can be used by authorized users as well as public networks such as the Internet can be included in the communication network.

2 is a functional block diagram of the configuration of the dongle gateway shown in Fig. The dongle gateway 110 includes a payment terminal communication interface 200, a payment terminal processing module 210, an NFC terminal processing module 220, an NFC terminal communication interface 230, an NFC terminal decryption module 240, A payment database 250, a transaction database 260, an NFC terminal database 270, a payment terminal database 280, and a payment terminal encryption module 290.

The payment terminal communication interface 200 communicates with the payment terminals 120A to 120C via the communication network 150. [ The card information input request received from the payment terminals 120A to 120C is transmitted to the payment terminal processing module 210 and the encrypted card information outputted from the payment terminal encryption module 290 is transmitted to the payment terminals 120A to 120C do. The card information input request includes a payment terminal identifier, a payment identifier, a customer identifier, and a payment history. The payment details include the payment amount, and may further include item items, quantity, unit price, and the like.

The NFC terminal communication interface 230 communicates with the NFC terminals 120A and 120B through the communication network 140. [ The card information request message transmitted by the NFC terminal processing module 220 is transmitted to the NFC terminals 120A and 120B and the encrypted card information message transmitted by the NFC terminals 120A and 120B is transmitted to the NFC terminal decryption module 240 do. The card information request message includes payment details, and may further include a billing identifier, a name, contact information, and the like. Meanwhile, the card information request message may further include an instruction to drive the payment software. Thus, the payment software can be automatically activated upon receiving the card information request message. The encrypted card information message includes encrypted card information, and may further include a billing software identifier. Where the billing software identifier may also be encrypted.

The payment terminal processing module 210 identifies an NFC terminal to which the card information is to be requested according to the card information input request received from any one of the payment terminals 120A to 120C and transmits the card information received from the NFC terminal to the payment And identifies and transmits the terminal. The settlement terminal processing module 210 registers the settlement terminal identifier, the settlement identifier, the customer identifier, and the settlement history included in the card information input request in the transaction database 260, Maps the NFC terminal identifier to the settlement terminal identifier, the settlement identifier, the customer identifier, and the settlement history registered in the transaction database 260. Also, when the card information is received from the NFC terminal, connection information of the payment terminal is acquired from the payment terminal database 280 using the payment terminal identifier to which the NFC terminal identifier is mapped, And transmits the card information to the payment terminal that transmitted the information input request. The card information may be transmitted after being encrypted by the settlement terminal encryption module 290.

The NFC terminal processing module 220 requests the card information to the identified NFC terminal and receives the card information in response thereto. The NFC terminal processing module 220 generates and transmits the card information request message to the mapped NFC terminal identifier. Upon receiving the card information from the NFC terminal, the NFC terminal processing module 220 transmits the card information request message to the payment terminal processing module 210. Meanwhile, the NFC terminal processing module 220 may re-request the card information according to the output value of the billing software authentication module 250, or may fail the payment processing.

The NFC terminal decryption module 240 decrypts the encrypted card information message. The encrypted card information message transmitted by the NFC terminal is transferred to the NFC terminal decryption module 240 by the NFC terminal communication interface 230 and decrypted and transmitted to the NFC terminal processing module 220. In addition, the NFC terminal decryption module 240 may decrypt the billing software identifier and deliver it to the billing software authentication module 250.

The payment software authentication module 250 determines the validity of the payment software using the payment software identifier. The billing software identifier is a unique identifier assigned to the billing software installed in the NFC terminal, and may additionally indicate the version of the billing software. The billing software authentication module 250 can notify the NFC terminal processing module 220 of an authentication failure notification if there is an error in the billing software identifier or if there is an error in the version of the billing software.

The transaction database 260 stores information on transactions requested for payment. The transaction database 260 may store information such as a payment terminal identifier, a payment identifier, a customer identifier, and payment details.

The NFC terminal database 270 stores information about the NFC terminal. The NFC terminal database 270 may store information such as a customer identifier, an NFC terminal identifier, a payment software identifier, and a payment software version. The NFC terminal identifier is information that can identify the NFC terminal, for example, a telephone number, an International Mobile Subscriber Identity (IMSI), a Mobile Subscriber ISDN Number (MSISDN), and the like.

The payment terminal database 280 stores information about payment terminals. The settlement terminal database 280 may store information such as a settlement terminal identifier, payment terminal access information, settlement terminal encryption method, and the like.

The payment terminal encryption module 290 encrypts the card information. The settlement terminal encryption module 290 encrypts the card information transmitted from the settlement terminal processing module 210 according to an encryption scheme applied to the settlement terminal.

3 is a flowchart illustrating a settlement process by the settlement system shown in FIG.

The store employee or agent enters the payment history and the customer identifier in the payment terminal (300). The payment terminal assigns a payment identifier to the input payment history, stores it in the built-in storage device, generates a card information input request, and transmits it to the dongle gateway. The payment identifier may be a serial number assigned to distinguish the input payment details.

Upon receiving the card information input request, the dongle gateway maps the NFC terminal identifier to the settlement terminal identifier, the settlement identifier, the customer identifier, and the payment details included in the card information input request (305). The dongle gateway retrieves the NFC terminal identifier in the NFC terminal database using the customer identifier. If the NFC terminal identifier is not registered in the NFC terminal database, the card information input request is failed. Meanwhile, the dongle gateway generates the card information request message and transmits it using the NFC terminal identifier. The card information request message may be transmitted as a short message or a multimedia message, or may be transmitted as a push message. If the transmission of the card information request message to the NFC terminal fails or the power of the NFC terminal is turned off, the corresponding card information input request is failed.

Upon receiving the card information request message, the NFC terminal drives the settlement software to prepare for receiving the card information (310). The payment software may be driven by the customer's operation, or may be operated without the customer's operation by receiving the card information request message. The payment software causes the NFC terminal to operate in the NFC reader mode. When the customer brings the smart card close to the NFC terminal, a communication path between the NFC terminal and the smart card is established, and the card information is transmitted to the NFC terminal.

Upon receiving the card information, the NFC terminal encrypts the card information and transmits it to the dongle gateway (315). A known encryption method can be applied to the encryption of the card information. The NFC terminal can transmit the billing software identifier to the dongle gateway together with the encrypted card information.

Upon receiving the encrypted card information message, the dongle gateway verifies the validity of the card information, encrypts it again, and transmits it to the payment terminal (320). The NFC terminal decrypts the encrypted card information, and verifies whether or not an error has occurred. In addition, the payment software identifier can be verified to determine whether an error has occurred. If an error has occurred, steps 305 to 320 may be performed again. If no error has occurred, the dongle gateway encrypts the card information and transmits it to the payment terminal together with the payment identifier. The payment terminal to which the card information is to be transmitted is identified by referring to the transaction database and the payment terminal database.

The payment terminal decrypts the encrypted card information (325), and performs payment processing using the payment identifier (330). The payment details identified by the payment identifier are transmitted to the payment network together with the decrypted card information, and the approval notice is received in response thereto.

Upon receipt of the approval notification, the payment terminal transmits the processing result to the dongle gateway (335), and the dongle gateway transmits it to the NFC terminal (340), and the NFC terminal indicates that the payment is approved and completed normally (345).

4 is a diagram illustrating an exemplary screen displayed on an NFC terminal and a payment terminal during the settlement process shown in FIG.

The customer orders the goods from the NFC terminal through the settlement software or through the normal message to the payment terminal (400). The goods order message may be transmitted to the payment terminal by data communication or may be transmitted to the payment terminal by a short message.

Upon receipt of the goods order message, the contents of the order and the customer identifier to be used for settlement are displayed on the screen of the payment terminal (410). In FIG. 4, the telephone number is exemplified as the customer identifier, but it is as described above that various customer identifiers can be used.

The order contents included in the merchandise order message may be manually input by the store staff or automatically entered by the payment terminal. When the input is completed, the payment details and the customer identifier are displayed (420). Then, the card information input request is transmitted from the payment terminal to the dongle gateway, and the dongle gateway transmits the card information request message to the NFC terminal.

Upon receiving the card information request message, the NFC terminal displays this and requests the customer to bring the smart card close to the NFC terminal (430). After acquiring the card information from the smart card, the card information is transmitted to the payment terminal through the dongle gateway, and the payment terminal makes payment processing.

When the settlement process is completed, it is displayed on the screen of the settlement terminal that the settlement is completed (440). The payment terminal then transmits the processing result to the NFC terminal through the dongle gateway.

Upon receiving the processing result, the NFC terminal displays it on the screen (450).

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

It is intended that the present invention covers the modifications and variations of this invention provided they come within the scope of the appended claims and their equivalents. .

Claims (8)

A payment system for using an NFC terminal as a dongle for inputting card information of a smart card to a payment terminal,
A plurality of settlement terminals for performing settlement processing using the card information provided from the NFC terminal; And
Identifies an NFC terminal requesting card information by using a payment terminal identifier, a payment identifier, a customer identifier, and payment details received from any one of the plurality of payment terminals, requests card information from the identified NFC terminal, And a dongle gateway for transmitting the card information received in response to the settlement terminal corresponding to the settlement terminal identifier of the plurality of settlement terminals. The gateway according to claim 1,
A payment terminal communication interface for communicating with the plurality of payment terminals via a first communication network;
An NFC terminal communication interface for communicating with the NFC terminal identified through the second communication network;
The payment terminal communication interface to map the NFC terminal identifier requesting the card information to the customer identifier received from the payment terminal and to transmit the card information received from the NFC terminal corresponding to the NFC terminal identifier to the payment corresponding to the payment terminal identifier A payment terminal processing module for transmitting the payment terminal processing module to the terminal; And
And an NFC terminal processing module for requesting card information to an NFC terminal corresponding to the NFC terminal identifier through the NFC terminal communication interface. 3. The method of claim 2,
An NFC terminal decryption module for decrypting the encrypted card information received from the NFC terminal corresponding to the NFC terminal identifier through the NFC terminal communication interface;
A payment software authentication module for determining the validity of the payment software using the payment software identifier received from the NFC terminal corresponding to the NFC terminal identifier through the NFC terminal communication interface; And
And a payment terminal encrypting module for encrypting the card information to be transmitted to the settlement terminal corresponding to the settlement terminal identifier. The settlement system according to claim 2, wherein the settlement terminal is capable of decrypting the encrypted card information. The settlement system according to claim 1, wherein the settlement terminal is capable of performing a new settlement process between a time point when the card information is requested by the dongle gateway and a time when the card information is received. The settlement system according to claim 1, wherein the settlement terminal is capable of adjusting a card information input limit time. A payment method for using an NFC terminal as a dongle for inputting card information of a smart card to a payment terminal,
The payment terminal generating a card information input request including a payment terminal identifier, a payment identifier, a customer identifier, and a payment history;
When receiving the card information input request through the communication network, mapping the NFC terminal identifier for requesting the card information to the customer identifier by the dongle gateway;
The dongle gateway transmitting a card information request message to an NFC terminal corresponding to the NFC terminal identifier;
Receiving card information from the NFC terminal, the dongle gateway transmitting card information to a payment terminal corresponding to the payment terminal identifier; And
And the settlement terminal performing settlement processing using the card information received from the dongle gateway. The method as claimed in claim 7, wherein when receiving the card information from the NFC terminal, the dongle gateway transmits the card information to the payment terminal corresponding to the payment terminal identifier,
Decrypting the encrypted card information received from the NFC terminal;
Determining validity of the payment software using the payment software identifier received from the NFC terminal; And
And encrypting the card information to be transmitted to the payment terminal corresponding to the payment terminal identifier.

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