KR20150066420A - Method and system for providing payment service - Google Patents

Method and system for providing payment service Download PDF

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Publication number
KR20150066420A
KR20150066420A KR1020140036181A KR20140036181A KR20150066420A KR 20150066420 A KR20150066420 A KR 20150066420A KR 1020140036181 A KR1020140036181 A KR 1020140036181A KR 20140036181 A KR20140036181 A KR 20140036181A KR 20150066420 A KR20150066420 A KR 20150066420A
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South Korea
Prior art keywords
payment
information
authentication number
user terminal
merchant
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KR1020140036181A
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Korean (ko)
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KR101624282B1 (en
Inventor
김명석
장석호
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비씨카드(주)
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Priority to CN201480060520.XA priority Critical patent/CN105745677B/en
Priority to PCT/KR2014/007192 priority patent/WO2015083918A1/en
Publication of KR20150066420A publication Critical patent/KR20150066420A/en
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Publication of KR101624282B1 publication Critical patent/KR101624282B1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)

Abstract

A method for providing a payment service by a merchant terminal, comprising the steps of: (a) receiving, from a payment server receiving a payment request, the payment request including a first authentication number, location information of the user terminal, Receiving a plurality of payment means replacement information stored and matched with a user corresponding to the identification information of the user terminal; (b) inputting selection information and a first authentication number for any one of the plurality of payment means replacement information; And (c) transmitting the payment approval request including the payment method selection information, the first authentication number, and the second authentication number to the payment server.

Description

METHOD AND SYSTEM FOR PROVIDING PAYMENT SERVICE [0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for providing a payment service, and more particularly, to a method and system for providing a payment server with an authentication number received at a user terminal .

In the case of credit transactions using a general credit card, transactions can be made only by holding a credit card directly. In the case of such a credit transaction, illegal use or damage cases frequently occur.

Accordingly, researches are being actively conducted on methods of using the mobile phone as a personal necessity as a means of payment such as cash or credit card.

For example, there is a mobile phone settlement method using a CDMA wireless communication network. However, there is a problem that the settlement is limited to a micropayment.

Also, there was a problem that infrastructures were required to settle the mobile phone at the merchant, and personal information such as mobile phone information was exposed to the merchant during the settlement process.

On the other hand, a payment means using an infrared sensor or the like adopts a method of detecting a signal output through an infrared sensor and performing payment. In such a system, there is a limit to the sensing distance and angle of the infrared sensor. Accordingly, in order to detect the output signal of the infrared sensor built in the mobile phone, the mobile phone has to be positioned accurately in the infrared detection unit.

Therefore, it is necessary to develop a technology that minimizes the exposure of personal information and transaction information while minimizing the manipulation of the user, even when there is no need to hold the physical card at the transaction at the merchant.

SUMMARY OF THE INVENTION An object of the present invention is to solve the problems of the prior art described above.

Another object of the present invention is to allow a user to complete a settlement by simply transmitting an authentication number to a payment server without having a payment means in a general merchant.

Another object of the present invention is to allow a merchant to complete payment for a user even if the user does not perform any special action.

According to an embodiment of the present invention, there is provided a method for providing a payment service by an affiliate terminal, the method comprising: (a) receiving a first authentication number, location information of the user terminal, Receiving a plurality of payment means replacement information stored in a payment server, the payment server including identification information, the payment information being matched with a user corresponding to identification information of the user terminal; (b) inputting selection information for any one of the plurality of payment means replacement information; (c) inputting the first authentication number; And (d) transmitting the payment approval request to the payment server, the payment approval request including the payment method selection information, the first authentication number, and the second authentication number.

According to another aspect of the present invention, there is provided a method for providing a payment service by a payment server, the method comprising the steps of: (a) receiving a first authentication number, a location information of the user terminal, Receiving a payment request; (b) transmitting, to the merchant terminal corresponding to the location information of the user terminal, a plurality of payment means replacement information stored in correspondence with the user and corresponding to the identification information of the user terminal; (c) receiving, from the merchant terminal, a payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number, and the second authentication information; And (d) determining whether to approve payment based on the first authentication number and the second authentication number included in the payment approval request.

According to still another aspect of the present invention, there is provided a method for transmitting a payment request from a payment server, the payment server including a first authentication number, location information of the user terminal, and identification information of the user terminal, A payment information receiver for receiving a plurality of payment means replacement information stored in a manner matching with a user corresponding to the identification information; A payment information input unit for inputting selection information for any one of the plurality of payment means replacement information and the first authentication number; And a payment approval requesting unit for transmitting the payment approval request to the payment server, the payment approval request including the payment selection information, the first authentication number, and the second authentication number.

According to another aspect of the present invention, there is provided a method for managing a user terminal, comprising: receiving a payment request including a first authentication number, location information of the user terminal and identification information of the user terminal from the user terminal; A payment means replacement information transmission unit for transmitting a plurality of payment means replacement information stored and matched with the user to an affiliate terminal corresponding to the location information of the user terminal; And receiving, from the merchant terminal, a payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number, and the second authentication information, And a settlement approval unit for determining whether to approve the settlement based on the first authentication number and the second authentication number.

According to another embodiment of the present invention, there is provided a method for providing a payment service using substitution information of a customer identification and payment means in a payment service providing system, the method comprising: Receiving information from the user terminal; Determining the location of the customer based on the merchant identification information, transmitting the substitution information for recognizing the customer, and payment means replacement information corresponding to the actual payment means of the customer to the merchant terminal; And receiving a payment request including the payment means substitution information and payment information for the transaction from the merchant terminal and performing payment.

According to another embodiment of the present invention, there is provided a system for providing a payment service using substitute information of a customer identification and payment means, the system comprising: A substitute information transfer unit for transferring substitute information for recognizing the customer to the merchant terminal; A payment means replacement information transmission unit that transmits payment means replacement information corresponding to the actual payment means of the customer to the merchant terminal based on the merchant identification information; And a payment approval unit for receiving a payment request including the payment means substitution information and payment information for the transaction from the merchant terminal and performing payment.

According to the present invention, the payment at the merchant can be completed only by transmitting the identification number to the payment server without the user having the payment means.

Further, according to the present invention, even if the user does not perform any special action, the merchant can complete the payment for the user.

Meanwhile, according to the present invention, payment can be performed through the identification number of the user, so that exposure of personal information and exposure of transaction information can be minimized.

1 is a diagram schematically showing the overall configuration of a settlement service providing system according to an embodiment of the present invention.
FIG. 2 is a view showing in detail the configuration of an affiliate terminal according to an embodiment of the present invention.
3 is a diagram for explaining a detailed configuration of a payment server according to an embodiment of the present invention.
4 is a diagram for explaining the configuration of a payment server according to another embodiment of the present invention in detail.
5 is a diagram illustrating an entire process of a payment service according to an embodiment of the present invention.
6 is a diagram illustrating a process of providing a payment service according to another embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention.

[Preferred Embodiment of the Present Invention]

1 is a diagram schematically showing the overall configuration of a settlement service providing system according to an embodiment of the present invention.

Referring to FIG. 1, the system of the present invention may include a user terminal 100, an affiliate terminal 200, and a payment server 300.

The user terminal 100 may be a terminal used by a user as a user and may be provided with a telephone number or a unique ID and may be a mobile phone, a smart phone, a PDA (personal digital assistant), a portable multimedia player (PMP) Lt; / RTI >

The user terminal 100 according to an embodiment of the present invention may be installed with an application for providing a payment service and the application for providing a payment service may be created and distributed by the payment server 300 .

According to an embodiment of the present invention, when a user desires to use a payment service, an application for providing a payment service installed in the user terminal 100 may be executed. When the payment service providing application is executed in the user terminal 100, the payment server 300 or the user terminal 100 generates a first authentication number and a second authentication number together, and the first authentication number is transmitted to the user terminal 100 ), And the second authentication number can be transmitted to the merchant terminal 200.

Of course, not only when the user terminal 100 executes the payment service providing application, but also when the user clicks the menu " Use payment service " in the payment service providing application or accepts the & The first authentication number and the second authentication number may be generated and received by the user terminal 100 and the merchant terminal 200. [

In the present specification, the " authentication number " means a number for identifying and authenticating a user who wishes to make a payment, and may be a one-time use or a preset one.

In this specification, the first authentication number and the second authentication number are simultaneously generated and matched with each other, the first authentication number is transmitted to the user terminal 100, the second authentication number is transmitted to the merchant terminal 200, , The first authorization number and the second authorization number that match each other must be included in the payment approval request.

After receiving the first authentication number, the user terminal 100 may transmit a payment request including the received first authentication number to the payment server 300 in order to use the payment service.

According to one embodiment, the payment request may include a first authentication number, user terminal location information, and identification information of the user terminal.

The location information of the user terminal 100 according to one embodiment includes location information of the user terminal 100 perceived by the GPS in the user terminal 100, merchant identification information transmitted to the user terminal 100 by the merchant terminal 200, For example, AP (Access Point) information for a communication network provided by the communication company server 200 to which the AT 100 is subscribed, for example, WiFi.

According to one embodiment, the merchant terminal 200 can use the short-range wireless communication, such as Bluetooth communication, to transmit the merchant identification information to the user terminal 100. [

A pairing process must precede the Bluetooth communication between the user terminal 100 and the merchant terminal 200. The pairing process is as follows. First, either the customer terminal 100 or the merchant terminal 200 searches for a nearby Bluetooth device. In this case, the search subject device obtains the product information from the Bluetooth device that has permitted the search. The product information may include a Bluetooth address (BD address), a device name, a profile, and the like.

Profile is a specification that defines how to use Bluetooth in top-level applications. Profiles include: Cordless Telephony Profile, Intercom Profile, Serial Port profile, Headset Profile Headset, Dial-up Networking Profile, Fax Profile, Lan Access Profile, ), An Object Push Profile (File Transfer Profile), a File Transfer Profile (File Transfer Profile), and a Synchronization Profile (to synchronize with a PC).

The search subject device selects a Bluetooth device to be connected among the plurality of searched Bluetooth devices, and then requests pairing. In this case, the device that received the pairing request transmits personal identification information. An example of the personal identification information may be a Personal Identification Number (PIN) code.

The identification information of the user terminal 100 according to an embodiment is information for identifying the user terminal 100 assigned to the user terminal 100 and may be a telephone number, an ID, etc. of the user terminal 100.

The merchant terminal 200 according to an embodiment receives a plurality of payment means substitution information included in the payment request from the payment server 300 and previously registered by the user corresponding to the identification information of the user terminal, Can be displayed.

The merchant terminal 200 can be implemented as a POS terminal capable of inputting and transmitting various information and storing management information and the like. The merchant terminal 200 according to the embodiment of the present invention may further include a communication module (not shown) for short range wireless communication with the user terminal 100. [ The communication module may be built in the merchant terminal 200 or may be mounted in a dongle form. For example, the merchant terminal 200 may be equipped with a Bluetooth dongle for Bluetooth communication with the user terminal 100. The Bluetooth dongle senses the Bluetooth communication signal from the user terminal 100 and enables Bluetooth communication between the merchant terminal 200 and the user terminal 100.

As described above, the merchant terminal 200 according to the embodiment receives and displays a plurality of payment means substitution information received from the payment server 300, and the user selects one of the plurality of payment means substitution information displayed on the display unit , The user selects the payment means he intends to use for payment, and the payment means selection information can be input to the merchant terminal 200 accordingly.

The payment means substitution information may be substitute information of the information for identifying the payment means, the virtual card number generated for each payment means, or one-time payment means substitution information generated for each payment means.

According to one embodiment, the payment means substitution information may be a product name of a card, an alias of a card, order information, or the like, and may be set separately by a user, or may be set by a payment server 200 such as a product name of a card, Depending on the rule, it can be set automatically.

For example, when the user registers a plurality of credit cards as the payment means, the payment server 300 transmits, as identification information for replacing the card numbers of the respective credit cards, "green card", "welfare card" Quot; card " and " smart card " can be set as payment means replacement information.

According to one embodiment, when the user selects any one of a plurality of payment means substitution information lists orally, the merchant employee who operates the merchant terminal 200 transmits payment information corresponding to the user's oral selection information And may be input to the merchant terminal 200 by selecting the means replacement information. Of course, the user can directly select any one of a plurality of payment means replacement information displayed on the merchant terminal 200. [

The merchant terminal 200 according to the embodiment may receive the first authentication number from the user, in addition to the payment method selection information. When the input of the first authentication number is completed, the merchant terminal 200 transmits the payment method selection information, , A second authentication number, and a payment request amount, to the payment server 300. [

The payment server 300 according to the embodiment can determine whether the first approval number and the second authorization number included in the payment approval request match after they are all matched with each other, To the merchant terminal (200) and the user terminal (100).

The payment server 300 according to an embodiment can store and manage the identification information of the user terminal 100, the plurality of payment means substitution information, the first authentication number, and the second authentication number on a user-by-user basis.

The payment server 300 according to an embodiment stores the plurality of payment means replacement information stored in the user corresponding to the user terminal identification information included in the payment request with the payment information of the merchant terminal 200).

At this time, the payment server 300 may encrypt the payment means substitution information with the first authentication number or the second authentication number and transmit it to the merchant terminal 200.

The payment server 300 according to another embodiment of the present invention receives the merchant identification information transmitted from the user terminal 100 and transmits marketing promotion information to the merchant terminal 200 and the user terminal 100 of the merchant . In addition, the merchant terminal 200 is provided with identification information and payment-related information (for example, payment history information, payment completion information, payment authentication information, etc.) for customer identification based on the identification information transmitted from the user terminal 100 Lt; / RTI >

The promotion information provided from the payment server 300 may be discount information or benefit information at the corresponding merchant. For example, the payment information may be a payment Recommendation information for the means may also be transmitted. The promotion information transmitted to the merchant terminal 200 may be transmitted to the user terminal 100 via the Bluetooth communication when the merchant terminal 200 is kept in a state of being paired for the Bluetooth communication with the user terminal 100 have.

The payment server 300 may be implemented as a financial institution server such as a credit card company server, but is not limited thereto.

Hereinafter, the detailed configuration of the merchant terminal 200 according to one embodiment will be described.

FIG. 2 is a view showing in detail the configuration of an affiliate shop terminal 200 according to an embodiment of the present invention.

2, the merchant terminal 200 includes a payment information receiving unit 210, a payment information input unit 220 and a payment approval request unit 230. According to one embodiment, the merchant identification information transmitting unit 240 ).

 According to an embodiment of the present invention, the payment information receiving unit 210, the payment information input unit 220, the payment approval requesting unit 230, and the merchant point identification information transmitting unit 240 may be program modules Hardware. Such a program module or hardware may be included in the merchant terminal 200 or other device capable of communicating with the merchant terminal 200 in the form of an operating system, an application program module and other program modules, and may be physically stored on various known storage devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

The payment information receiver 210 according to an embodiment receives a payment request from the payment server 300 through a plurality of settlements stored in the settlement server 300 in correspondence with the user corresponding to the identification information of the user terminal included in the payment request transmitted by the user terminal 100 Means replacement information can be received.

According to one embodiment, the payment request transmitted from the user terminal 100 to the payment server 300 may include the first authentication number, the user terminal location information, and the user terminal identification information.

At this time, the user terminal location information includes location information of the user terminal 100 recognized by the GPS in the user terminal 100, merchant store identification information transmitted to the user terminal 100 by the merchant terminal 200, For example, AP (Access Point) information for a WiFi or the like, which is provided by the subscribed communication company server 200.

The merchant identification information transmitting unit 240 according to an embodiment may transmit the merchant identification information included in the user terminal location information to the user terminal 100 positioned within a certain radius from the merchant via short range wireless communication.

According to one embodiment, the identification information of the user terminal is information for identifying the user terminal 100, and may be, for example, the telephone number of the user terminal.

The substitution information of the payment means received by the payment information receiving unit 210 according to the embodiment may be the virtual card number generated for each card or the name information of the card when the payment means is a card, Alternative information may be one-time information generated at one time.

According to one embodiment, the payment means substitution information may be a product name of a card, an alias of a card, order information, or the like, and may be set separately by a user, or may be set by a payment server 200 such as a product name of a card, Depending on the rule, it can be set automatically.

According to another embodiment, the payment means replacement information received by the payment information receiving unit 210 may be encrypted with the first authentication number or the second authentication number. In this case, It is possible to receive the first authentication number or to decrypt the encrypted settlement means substitution information using the received second authentication number and display the decrypted substitution information on the display unit of the merchant terminal 200. [

As described above, according to the embodiment of the present invention, since the payment means substitution information received by the payment information receiving unit 210 is identification information that can replace the payment means, not the information of the payment means, Can be reduced.

The payment information input unit 220 according to an embodiment may receive selection information and a first authentication number for any one of a plurality of payment means substitution information received by the payment information receiving unit 210. [

According to one embodiment, the selection information and the first authentication number for the payment means are transmitted to the merchant shop staff member 200, which manages and operates the merchant terminal 200, from the user through the selection information for one of the payment means and the first authentication number The payment information input unit 220 receives the payment information by inputting the first authentication number or selects the payment means according to the oral information delivered to the user, Payment information input unit 220 by selecting any one of the payment methods and inputting the first authentication number.

In addition, the billing information input unit 220 according to an exemplary embodiment may further input a billing password previously set by the user. The payment information input unit 220 according to one embodiment receives the payment password through the staff of the merchant who verbally receives the payment password from the user or inputs the payment password directly by the user, You can enter the number.

According to one embodiment, the payment approval request unit 230 may transmit a payment approval request including the payment method selection information, the payment request amount, the first authentication number, and the second authentication number to the payment server 300.

As described above, when the payment password is further inputted, the payment approval request may be further included in the payment approval request.

At this time, the second authentication number may be received from the payment server 300 or the user terminal 100 to the payment information receiving unit 210.

The payment approval requesting unit 230 may transmit the input payment method selection information, the payment request amount, and the first authentication number to the payment server 300 together with the second authentication number received by the payment information receiving unit 210 .

Thereafter, the payment server 300 confirms whether the first authentication number and the second authentication number included in the payment approval request received from the payment approval request unit 230 are matching authentication numbers, Can be determined.

According to an exemplary embodiment, if the payment approval request further includes a payment password, it is determined whether the payment password included in the payment approval request matches the preset payment password, It is possible.

At this time, the result of the final payment approval is received by the merchant terminal 200 and displayed on the display unit.

Hereinafter, the detailed configuration of the payment server 300 will be described.

FIG. 3 is a diagram for explaining in detail the configuration of the payment server 300 according to an embodiment of the present invention.

Referring to FIG. 3, the payment server 300 may include a payment means replacement information transmission unit 310, a payment approval unit 320, and an authentication number transmission unit 330. According to an embodiment of the present invention, the payment means replacement information transmission unit 310, the payment approval unit 320, and the authentication number transmission unit 330 may be program modules or hardware capable of communicating with an external device. Such a program module or hardware may be included in the payment server 300 or other device capable of communicating with it in the form of an operating system, an application program module and other program modules, and may be physically stored on various known storage devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

According to an exemplary embodiment, the payment alternative information transmitting unit 310 transmits a plurality of payment means information stored in a matching manner with a user corresponding to the identification information of the user terminal included in the payment request received from the user terminal, To the merchant terminal corresponding to the location information of the merchant terminal.

According to one embodiment, the payment request received from the payment terminal substitution information transmission unit 310 from the user terminal may include a first authentication number, user terminal location information, and user terminal identification information.

Accordingly, the payment alternative information transmitting unit 310 can transmit the payment means replacement information to the merchant terminals corresponding to the received user terminal location information, that is, merchant terminals located within a certain radius from the location of the user terminal. At this time, a plurality of merchant terminals located within a certain radius from the position of the user terminal may be provided. Therefore, in order to approve the payment, the second authentication number received from the user and matched with the first authentication number input to the merchant terminal must be included in the payment approval request.

According to one embodiment, the payment server 300 can store and manage user terminal identification information (e.g., telephone number, wake identification number, etc.) for each user, It is possible to store and manage the substitution information together with matching.

According to one embodiment, the authentication number transmission unit 330 included in the payment server 300 may be configured such that the user terminal 100 executes a payment service providing application installed in the user terminal 100, Quot; information provision " and " information provision and use conditions ", and the like, it is possible to generate the first authentication number and the second authentication number together.

At this time, the authentication number transmitted by the authentication number transmitting unit 330, the authentication number transmitted to the user terminal 100 may be the first authentication number, and the authentication number transmitted to the merchant terminal 200 may be the second authentication number.

As described above, the first authentication number and the second authentication number can be simultaneously generated and matched with each other. The payment server 300 can store and manage the first authentication number and the second authentication number by matching each other have.

According to another embodiment, the user terminal 100 generates the first authentication number and the second authentication number, and transmits the first authentication number and the second authentication number to the authentication number transmission unit 330 of the payment server 300 At this time, it may be the user terminal 100 or the payment server 300 to transmit the second authentication number to the merchant terminal 200.

According to one embodiment, the payment server 300 stores user terminal identification information and a plurality of payment means replacement information together with a first authentication number and a second authentication number generated by the authentication information transmission unit 330 .

According to one embodiment, the information of the payment means transmitted from the payment means substitution information transmission unit 310 to the merchant terminal 200 is a virtual card number generated for each card when the payment means is a card, And may be one-time payment means substitution information generated for each payment means.

According to one embodiment, the payment means replacement information transmission unit 310 may extract a plurality of payment means replacement information, encrypt the same with the first authentication number or the second authentication number, and transmit the same to the merchant terminal 200.

When the payment approval request is received from the merchant terminal 200, the payment approval unit 320 determines whether payment approval is granted based on the payment password included in the payment approval request, the first authentication number, and the second authentication number Can be determined.

According to an exemplary embodiment, the payment approval request may include selection information, settlement request amount information, first authentication number, second authentication information, and the like of any one of the plurality of payment means replacement information.

According to an embodiment, the payment approval request may further include a payment PIN. The payment password is a password that is used when the user registers a plurality of payment means in advance through the payment service providing application, Which may be a series of numbers or letters and a mixture thereof. The payment password may be set for each payment means, or one password for all payment means may be set regardless of the payment means.

According to one embodiment, the payment approval unit 330 determines whether the received first authentication number and the second authentication number are matched with each other, and if the payment limit amount for the payment means is set, Whether the request amount does not exceed the one-time payment limit, whether the cumulative payment amount added to the payment request amount does not exceed the monthly payment limit amount, and the like may be determined.

In addition, when the payment password is included in the payment approval request, it may be determined whether the payment password has been previously set and matched with the stored payment password to determine whether to approve the payment.

The settlement approval unit 330 according to an embodiment can perform settlement processing and transmit a payment approval result to the user terminal 100 and the merchant terminal 200 when the payment approval request is approved.

FIG. 4 is a diagram for explaining in detail a configuration of a payment server 400 according to another embodiment of the present invention.

4, the payment server 400 includes a user information management unit 410, a personal identification substitution information transmission unit 420, a payment means substitution information transmission unit 430, a promotion information transmission unit 440, Unit 450 as shown in FIG. According to an embodiment of the present invention, the user information management unit 410, the personal identification alternative information transmission unit 420, the payment means replacement information transmission unit 430, the promotion information transmission unit 440, the payment approval unit 450 ) May be program modules or hardware capable of communicating with external devices. Such a program module or hardware may be included in the payment server 400 or other device capable of communicating with it in the form of an operating system, an application program module and other program modules, and may be physically stored on various known storage devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

The user information management unit 410 according to an embodiment manages the identification information of the user terminal 100 and the personal information of the user (for example, characteristic information such as name phone number, sex, age, preferred goods, etc.) . Further, information on the payment means for each user, payment means substitution information, password for each payment means, and the like are managed. On the other hand, when there are a plurality of payment means, information on the use priority order of each payment means or information on the payment means to be used for each merchant may be managed. The information on the payment means may be stored and managed by matching with the identification information of the user terminal 100. [ The information may be a user's registration through an application installed in the user terminal 100. For example, when the identification information of the user terminal 100 is received, the payment means having the highest priority among the payment means stored in matching with the corresponding identification information or the payment means previously registered to be used by the merchant is selected, .

The personal identification substitution information transmission unit 420 according to an exemplary embodiment of the present invention transmits the personal identification substitution information stored in correspondence with the identification information of the user terminal 100 transmitted together with the payment request from the merchant terminal 200 to the merchant terminal 200). The transmitted personally identifying alternative information may be information that does not require security, and may be other kinds of information each time it is transmitted, but is not limited thereto.

The payment alternative information transmission unit 430 according to an exemplary embodiment of the present invention may be configured to transmit the payment information to the payment terminal in response to a payment request from the merchant terminal 200, And transmits the means replacement information. The payment means substitution information may be transmitted in a different kind every time a transfer request is sent from the merchant terminal 200. [ The payment means substitution information may be generated immediately before transmission, or may be stored in advance in the database. For example, when a payment means replacement information request is generated from the merchant terminal 200, the payment means replacement information transmission unit 430 extracts only the telephone number back digit of the telephone number of the user terminal 100, As shown in FIG. Alternatively, the payment means substitution information transmission unit 430 may transmit an input request to the merchant terminal 200 instead of the payment means substitution information.

The promotion information transmission unit 440 transmits promotion information in response to a payment request including identification information of the user terminal 100 transmitted from the merchant terminal 200. [ The promotion information may be the benefit information at the time of using the payment means matching the identification information, the benefit information applicable at the merchant, the recommendation information about the payment means that can receive the most benefits from the merchant, and the like. Promotion information may be transmitted to the user terminal 100 through the merchant terminal 200 or may be directly transmitted to the user terminal 100. The user may receive the benefit that the user desires to apply through the user terminal 100 You may decide, or you may provide the merchant with the benefit information you want to apply. When the benefit decision is made through the user terminal 100, the corresponding information is transmitted to the merchant terminal 200 through the short-range wireless communication and is transmitted to the payment system 300. When the offer information is provided to the merchant, The transfer to the payment system 300 through the merchant terminal 200 can be performed.

The settlement approval unit 450 according to an embodiment of the present invention finally approves settlement of the settlement request from the merchant terminal 200. [ As described above, in the case of the payment substitution information that does not require security, the merchant terminal 200 can be compared with the payment means substitution information, which is transmitted to the merchant terminal 200 by the user and input from the merchant, At this time, a payment completion request may be transmitted from the merchant terminal 200 to the payment server 400. [ That is, the merchant terminal 200 may compare the payment means substitution information transmitted from the payment server 400 with the currently input payment means substitution information, and may transmit information to the payment server 400 that the matching payment information has been confirmed. On the other hand, when only the request for inputting the payment means substitution information is transmitted to the merchant terminal 200, the payment means substitution information input by the user is transmitted to the payment server 400 and whether or not the inputted payment means substitution information is valid The settlement approval unit 450 directly performs the determination. When the settlement method substitution information matches, the settlement that has been prepared based on the identification information of the user terminal 100 is finally completed. Payment completion may be accomplished by applying together the benefit information selected by the user.

Hereinafter, a method of providing a payment service according to an embodiment of the present invention will be described.

5 is a diagram illustrating a process of providing a payment service according to an embodiment of the present invention.

Referring to FIG. 5, when a user visits a specific merchant, the merchant terminal 200 located within the merchant can transmit the user terminal location information to the user terminal 100 through short-distance wireless communication (1). At this time, the user terminal location information transmitted from the merchant terminal 200 to the user terminal 100 may include merchant store identification information.

Also, the user terminal 100 may receive position information of the user terminal from an external server, for example, a communication company server (1). In this case, the user terminal location information may be Wi-Fi information or the like to which the user terminal 100 is connected.

When the payment service providing application installed in the user terminal 100 is executed, the first authentication number and the second authentication number can be generated at the same time. At this time, the first authentication number and the second authentication number are matched with each other, 300 or may be generated by the user terminal 100.

According to one embodiment, the first authentication number may be transmitted to the user terminal 100, and the second authentication number may be transmitted to the merchant terminal 200.

According to one embodiment, the user terminal 100 may send a payment request to the payment server 300, which includes the first authentication number, the user terminal location information, and the user terminal identification information (2).

According to one embodiment, the payment request may be transmitted to the payment server 300 through the payment service providing application installed in the user terminal 100, and the user may input the first authentication number received at the user terminal 100 When payment is requested, the user terminal 100 may include the user terminal location information and the user terminal identification information in the payment request and transmit the user terminal identification information to the payment server 300 (2).

According to one embodiment, the payment server 300 extracts a payment method substitution information list that is matched to the user corresponding to the user terminal identification information included in the payment request received from the user terminal 100 , And transmits the extracted payment means substitution information list to the merchant terminal 200 corresponding to the user terminal location information included in the payment request (step 4).

The merchant terminal 200 corresponding to the user terminal location information may be the merchant terminal 200 disposed at the specific merchant location when the user terminal location information is merchant store identification information, And may be a plurality of terminals disposed at franchisees located within a certain radius from the user terminal position.

According to one embodiment, the payment server 300 may transmit the second authentication number together with the payment method substitution information list to the merchant terminal 200 (4). Of course, the second authentication number may be generated together with the first authentication number through the above-described process, and may be transmitted to the merchant terminal 200 as soon as it is generated.

The payment means substitution information may include the virtual card number and the card name. In some cases, the payment server 300 may generate the one-time payment means substitution information for each payment means and include it in the payment means substitution information.

According to one embodiment, the payment server 300 can encrypt the payment means substitution information with the first authentication number or the second authentication number and transmit the same to the merchant terminal 200. The merchant terminal 200, Information on the payment means substitution information can be displayed on the display unit of the merchant terminal 200 by decrypting the information with the first authentication number provided by the user or the second authentication number received by the merchant terminal 200. [

As described above, according to the embodiment of the present invention, the payment means substitution information transmitted on the network only includes the virtual card number, the card name, the one-time payment means substitution information, and the like, and the first authentication number or the second authentication number And the risk of hacking that may occur during the payment method replacement information transmission process may be reduced.

The user can select the payment means to be used for the payment from among the plurality of payment means lists displayed on the merchant terminal 200 (5). Thereafter, the payment PIN set for the payment means is input (6), and the first authentication number received by the user terminal 100 can be input (7). At this time, the procedure (6) for inputting the payment password set for the payment means may be omitted.

According to one embodiment, the billing password and the first authentication number can be transmitted to a member of the affiliate shop terminal 200 orally by the user, the member of the affiliate shop terminal 200 being input to the affiliate shop terminal 200, Can be input to the merchant terminal (200).

As described above, when the payment password and the first authentication number are inputted, the merchant terminal 200 stores the second authentication number received from the first authentication number, the payment method selection information, the payment request amount information, And transmits the payment approval request to the payment server 300 (8).

In a case where the payment password is included in the payment approval request, the payment server 300 according to the embodiment checks whether the payment password included in the payment approval request matches the payment password set by the user in advance , It is possible to confirm whether the received first authentication number and the second authentication number are mutually matched or not and approve the payment (9).

For example, when the first authentication number and the second authentication number are "1234" and "563", the payment server 300 matches the first authentication number and the second authentication numbers "1234" and "563" 1234-563 ", and if the first authentication number and the second authentication number received from the merchant terminal 200 are " 1234 " and " 563 ", respectively, Quot; 1234 " and " 612 " respectively received from the first authentication unit 200 and the second authentication number matching the stored first authentication number are not received together, the payment approval is rejected can do.

According to one embodiment, the payment server 300 may be configured to perform at least one of a settlement request amount, a one-time payment limit, and a monthly payment limit in addition to the verification of the payment password, the first authentication number, , It may be decided whether or not to approve the payment.

If it is determined that the payment has been approved, the payment server 300 may process the payment according to the payment approval request, and may transmit the payment approval result to the user terminal 100 and the merchant terminal 200.

According to the embodiment of the present invention, when the user simply transmits a payment request to the payment server 300, the user can perform settlement with the payment means desired by the user without having a card, The convenience can be increased.

In addition, only the authentication number and the payment means substitution information are transmitted over the network, so that the risk of leakage of personal information and the like can be reduced.

6 is a diagram illustrating a process of providing a payment service according to another embodiment of the present invention.

6, when a customer having a user terminal 100 visits a particular merchant and enters a certain distance from the merchant terminal 200, a pairing for Bluetooth communication between the user terminal 100 and the merchant terminal 200 (1). Whether or not it has entered a predetermined distance can be judged by a separate position determination module (not shown). For example, it is possible to determine whether the user terminal 100 has entered a specific Wi-Fi zone or not, and determine whether the user terminal 100 has entered a specific zone through the GPS module. It is also possible to determine at which franchisee the user terminal 100 has entered through the short distance communication between the local communication module (for example, beacon) and the user terminal 100 disposed at the franchisee.

The pairing may be performed by the customer operating the user terminal 100 or may be performed by operating the franchisee terminal 200. That is, the pairing can be performed by either the user terminal 100 or the merchant terminal 200 as a master device. For example, if a customer registers a franchisee terminal 200 of a frequent-visiting franchisee as a Bluetooth communication enabled terminal, the customer may be automatically paired at a subsequent visit.

When the pairing between the user terminal 100 and the merchant terminal 200 is completed, the merchant identification information is transmitted from the merchant terminal 200 to the user terminal 100 (2). The transmission may be performed when a transmission request command through the merchant terminal 200 is input, or may be automatically transmitted at the same time as pairing.

The user terminal 100 transmits the obtained merchant identification information and user terminal identification information together to the payment server 300 (3).

The payment server 300 can grasp the current position of the customer by transmission from the user terminal 100 and can transmit the personal identification substitution information and the payment means substitution information to the merchant terminal 200 for the customer identification (4)

The personal identification substitution information according to one embodiment may be information that allows the franchisor to identify the users at the current franchise, and may not require security. For example, it may be information such as name, telephone number, sex, age, personal characteristics, and the like. The merchant can identify the user based on the substitution information for personal identification transmitted to the merchant terminal 200 and proceed with the subsequent process for completing the settlement by confirming the information for substituting the payment means for the user. The payment means substitution information according to an embodiment may be matched with the substitution information for personal identification and received in one set.

Since the user terminal identification information is transmitted from the user terminal 100 to the payment server 300, the payment server 300 can transmit the personal identification substitution information corresponding to the identification information to the merchant terminal 200. For example, characteristic information such as a customer's mobile phone number, a photograph, an address, a sex and an age can be transmitted to the merchant terminal 200, and the merchant can grasp the customer based on the information. This allows merchants to offer customized promotions to their customers, making it easier to determine whether the customer is a paid customer or a customer who needs a promotion.

Meanwhile, the payment server 300 can transmit the promotion information to the merchant terminal 200. Since the identification information is received from the user terminal 100, targeted promotion information can be provided to the customer at the merchant terminal 200. [ For example, it is possible to provide the franchisee terminal 200 with information that provides the first promotion to the first customer who can identify the franchisee and the second promotion to the second customer.

On the other hand, the payment server 300 can also provide the user terminal 100 with promotional information such as coupons and discount information that can be used at the affiliated merchant (4 ').

The user authentication process may be performed before the payment request. Personal authentication information is transmitted from the user terminal 100 to the merchant terminal 200 through short-range communication (step 5), and the merchant terminal 200 itself can be authenticated to the user. For this, the payment server 300 may transmit judgment information for user authentication to the merchant terminal 200 together in step 4. In another embodiment, the merchant terminal 200 may transmit the personal authentication information transmitted from the user terminal 100 to the payment server 300 prior to the payment request or upon payment request. In addition, the personal authentication information directly input through the merchant terminal 200 may be transmitted to the payment server 300 to complete the user authentication. The payment server 300 can perform user authentication based on the personal authentication information transmitted prior to payment approval. The personal authentication information may be, but not limited to, a PIN number.

On the other hand, when the user selects the promotion information to be used for the payment through the user terminal 100, such information is transmitted to the merchant terminal 200 through the local communication method. In addition, the merchant may select the promotion information to be applied to the payment through the merchant terminal 200 in the process of identifying the customer and ultimately requesting payment approval. The promotion selection information transmitted to the merchant terminal 200 or the promotion information directly selected through the merchant terminal 200 is transmitted to the payment server 300 (5). At this time, a payment request including payment information is transmitted from the merchant terminal 200 together.

After identifying the specific customer through the personal identification substitution information, the merchant shop sends the information for substituting the payment means matching the customer and the payment information (for example, information such as the purchased article and the payment amount) together with the payment server 300) (5).

The payment server 300 can perform payment approval based on the transmitted information.

According to the present embodiment, since the payment server 300 and the franchise owner can determine which franchisee the customer is located in, it is possible to check in the specific franchisee even if the customer does not perform any special operation or request. In addition, since the information used for identifying the customer and the information for identifying the payment means are replaced with the substitution information for personal identification and the substitution information for payment means which do not require security, the personal information can be protected.

In addition, since the merchant terminal 200 can confirm the customer's perception and payment completion information by combining the customer payment alternative information received from the payment server 300 and the user information, And can provide customized benefits to the customer in an easy way.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and constructed for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

100: user terminal
200: Merchant terminal
300: Payment Server
210: payment information receiver
220: payment information input unit
230: Payment Authorization Request Section
240: Merchant point identification information transmission unit
310: Payment means replacement information transmission unit
320:
330: Authentication number transmission unit
410: User information management unit
420: Alternative information transmission unit for personal identification
430: Payment means replacement information transmission unit
440: Promotion transmission section
450: Payment Authorization Unit

Claims (23)

A method for a merchant terminal to provide a payment service,
(a) matching with a user corresponding to the identification information of the user terminal, from the payment server receiving the payment request including the first authentication number, the location information of the user terminal, and the identification information of the user terminal from the user terminal Receiving a plurality of payment means replacement information stored therein;
(b) inputting selection information for any one of the plurality of payment means replacement information and the first authentication number; And
(c) transmitting the payment approval request including the payment method selection information, the payment request amount information, the first authentication number, and the second authentication number to the payment server. The method according to claim 1,
The payment means replacement information received from the payment server is encrypted with the first authentication number or the second authentication number
Before the step (b)
And decrypting the payment means replacement information into the first authentication number or the second authentication number. The method according to claim 1,
The step (a)
And receiving the second authentication number together with the plurality of payment means replacement information. The method according to claim 1,
The location information of the user terminal includes merchant identification information,
Before the step (a)
Further comprising transmitting, to the user terminal, user terminal location information including the merchant identification information. The method according to claim 1,
Wherein the first authentication number and the second authentication number are authentication numbers generated in a one-time manner. The method according to claim 1,
Wherein the payment means replacement information is replacement information for the payment means generated one time. In a method for a payment server to provide a payment service,
(a) receiving a payment request from a user terminal, the payment request including a first authentication number, location information of the user terminal, and identification information of the user terminal;
(b) transmitting, to the merchant terminal corresponding to the location information of the user terminal, a plurality of payment means replacement information stored in correspondence with the user and corresponding to the identification information of the user terminal;
(c) receiving, from the merchant terminal, a payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number, and the second authentication information; And
(d) determining whether to approve payment based on the first authentication number and the second authentication number included in the payment approval request. 8. The method of claim 7,
Before the step (a)
Further comprising transmitting the first authentication number to the user terminal. 8. The method of claim 7,
Wherein the first authentication number and the second authentication number are authentication numbers generated in a one-time manner. 8. The method of claim 7,
The step (d)
Checking whether the first authentication number included in the payment approval request is matched with the second authentication number, and determining whether to approve the payment. 8. The method of claim 7,
The step (b)
And transmitting the plurality of payment means substitution information and the second authentication number to the merchant terminal corresponding to the location information of the user terminal. A payment server that receives a payment request including the first authentication number, the location information of the user terminal, and the identification information of the user terminal from the user terminal, and stores the matching information with the user corresponding to the identification information of the user terminal A payment information receiver for receiving a plurality of payment means replacement information;
A payment information input unit for inputting selection information for any one of the plurality of payment means replacement information and the first authentication number; And
And a payment approval requesting unit for transmitting the payment approval request to the payment server, the payment approval request including the payment selection information, the first authentication number, and the second authentication number. 13. The method of claim 12,
The payment information receiving unit,
And further receives the second authentication number from the payment server. 13. The method of claim 12,
The location information of the user terminal includes merchant identification information,
Further comprising an affiliate shop identification information transmitting unit for transmitting the user terminal location information including the affiliate store identification information to the user terminal. 13. The method of claim 12,
Wherein the first authentication number and the second authentication number are authentication numbers generated in a one-time manner. 13. The method of claim 12,
Wherein the payment means replacement information is replacement information for the payment means generated one time. The method comprising: receiving a settlement request including a first authentication number, location information of the user terminal, and identification information of the user terminal from the user terminal, and replacing the plurality of settlement means stored and matched with the user corresponding to the user terminal identification information A payment means replacement information transmission unit for transmitting the information to the merchant terminal corresponding to the location information of the user terminal; And
When receiving from the merchant terminal a payment approval request including selection information on any one of the plurality of payment means replacement information, the first authentication number and the second authentication information, And a settlement approval unit for determining whether to approve the settlement based on the first authentication number and the second authentication number. 18. The method of claim 17,
Further comprising an authentication number transmitting unit for generating the first authentication number and the second authentication number together and transmitting the first authentication number to the user terminal and transmitting the second authentication number to the merchant terminal, Service delivery system. 18. The method of claim 17,
Wherein the first authentication number and the second authentication number are authentication numbers generated in a one-time manner. 18. The method of claim 17,
The settlement approval unit,
And determining whether the payment authorization is confirmed by checking whether the first authentication number included in the payment approval request matches the second authentication number. 18. The method of claim 17,
The payment-instrument substitution information transmission unit transmits,
And transmits the second authentication number to the merchant terminal corresponding to the location information of the user terminal together with the plurality of payment means replacement information. A method for providing a payment service by using substitute information of a customer identification and payment means in a payment service providing system,
The method comprising the steps of: receiving, from the user terminal, the merchant identification information acquired by the user terminal through the Bluetooth communication with the merchant terminal;
Determining the location of the customer based on the merchant identification information, transmitting the substitution information for recognizing the customer, and payment means replacement information corresponding to the actual payment means of the customer to the merchant terminal; And
And receiving a payment request including the payment means substitution information and payment information for the transaction from the merchant terminal and performing payment. A system for providing a settlement service using customer identification and substitution information of a payment means,
A substitute information transmission part for personal identification, which is acquired through Bluetooth communication with the merchant terminal, determines the location of the customer based on the merchant store identification information received from the user terminal, and transmits the substitute information for recognition of the customer to the merchant terminal, ;
A payment means replacement information transmission unit that transmits payment means replacement information corresponding to the actual payment means of the customer to the merchant terminal based on the merchant identification information; And
And a payment approval unit for receiving a payment request including the payment means replacement information and payment information for the transaction from the merchant terminal and performing payment.
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