KR20170054648A - Mobile payment system and method - Google Patents

Mobile payment system and method Download PDF

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Publication number
KR20170054648A
KR20170054648A KR1020150157060A KR20150157060A KR20170054648A KR 20170054648 A KR20170054648 A KR 20170054648A KR 1020150157060 A KR1020150157060 A KR 1020150157060A KR 20150157060 A KR20150157060 A KR 20150157060A KR 20170054648 A KR20170054648 A KR 20170054648A
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KR
South Korea
Prior art keywords
payment
mobile device
server
information
payment information
Prior art date
Application number
KR1020150157060A
Other languages
Korean (ko)
Inventor
김태리
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김태리
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Publication date
Application filed by 김태리 filed Critical 김태리
Priority to KR1020150157060A priority Critical patent/KR20170054648A/en
Publication of KR20170054648A publication Critical patent/KR20170054648A/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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/0453—
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/30—Transportation; Communications
    • G06Q50/32—Post and telecommunications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

Abstract

The present invention relates to a mobile payment system and method. A bonus management system according to the present invention includes a mobile device for receiving and encrypting payment information from a payment medium, and a transaction server communicably connected to the mobile device for delivering the encrypted payment information received from the mobile device to a financial transaction relay server and transmitting payment approval information received from the financial transaction relay server to a payment terminal. According to the present invention, payment for various payment media can be performed by simply using a mobile device carried by a seller, a service provider, or the like.

Description

[0001] Mobile payment system and method [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile payment system and method, and more particularly, to a mobile payment system and method capable of performing settlement of various payment media using a mobile device.

Generally, a credit card payment terminal or a POS (point of sale) system must be purchased and installed in order to make a credit card payment at a store or a service provider. There are various types of credit card payment terminals, and POS system combines cash register, credit card payment machine, etc., so that the settlement of the amount of the store and the management of the store can be conveniently performed. Recently, smartphone card payment method that is attached to a smartphone earphone jack has appeared.

However, it takes time and expense to purchase and install a credit card payment terminal or a POS system, and in the case of a delivery service, a credit payment terminal installed in a store, a wireless payment terminal and the like must be separately purchased and used.

In addition, when a new payment medium such as an IC card or an NFC card appears in addition to an existing magnetic credit card, a new payment terminal or a POS system must be used for payment for the new payment medium.

Replacement or purchase of such a payment terminal or POS system is a burden on a very small business.

Therefore, it is necessary to consider a method of allowing a payment device to perform payment for various payment media using a mobile device carried by a seller, a service provider, or the like without using a separate payment terminal.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a mobile payment system and a mobile payment system capable of performing payment for various payment media using only a mobile device of a seller without using a separate credit card terminal.

According to an aspect of the present invention, there is provided a mobile payment system including: a mobile device for receiving and encrypting payment information from a payment medium; and a mobile payment device connected to the mobile device for communicating encrypted payment information received from the mobile device, And a transaction server for delivering the payment approval result received from the financial transaction relay server to the payment transaction terminal.

Wherein the mobile device transmits the encrypted payment information to the transaction server through a dedicated application and can receive the payment approval information through the dedicated app. The mobile device has a terminal-embedded security chip, The settlement information can be encrypted in the terminal-embedded security chip.

The mobile terminal may further include an authentication registration server for performing authentication and registration procedures for the mobile device.

According to another aspect of the present invention, there is provided a mobile payment method including receiving payment information from a payment medium in a mobile device, encrypting the payment information in the mobile device, Transferring the encrypted payment information from the transaction server to the financial transaction relay server and receiving payment approval information from the financial transaction relay server, Lt; / RTI >

The method may further include transmitting the payment receipt to the purchaser using the payment medium using at least one of e-mail, text message, and instant messenger app when the payment is completed.

According to the present invention, payment can be performed for various payment media using only a mobile device carried by a seller or a service provider without using a separate credit card terminal or POS system. Accordingly, it is possible to save time and cost for purchasing or replacing a credit card terminal or a POS system. In addition, POS or PAD can be connected and used according to the need, so that it is possible to provide a service that meets the needs of various customers and quickly adapt to a new payment medium. In addition, a company providing a credit card company or other payment medium and a communication company providing a mobile device may provide new services through strategic alliances.

FIG. 1 and FIG. 2 are block diagrams illustrating a configuration of a mobile payment system according to an embodiment of the present invention;
3 is a flowchart illustrating a process of receiving payment information from a payment medium in a mobile device,
FIG. 4 is a signal flow diagram provided in a description of a mobile payment method according to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating a method for paying electronic money in a mobile payment system according to an exemplary embodiment of the present invention, and FIG.
FIG. 6 is a diagram for explaining a case where a plurality of mobile devices are authenticated and used.

Hereinafter, the present invention will be described in detail with reference to the drawings.

1 and 2 are block diagrams illustrating a configuration of a mobile settlement system according to an embodiment of the present invention.

Referring to FIG. 1, the mobile payment system 100 may include a mobile device 110, a transaction server 120, and an authentication registration server 130. When such components are implemented in practical applications, two or more components may be combined into one component, or one component may be divided into two or more components as necessary.

The mobile device 110 is communicably connected to the transaction server 120 and the authentication registration server 130 through a communication network 50 such as a mobile communication network, the Internet, or a network to which the mobile device 110 is connected. A POS (Point of Sale) or PAD 140 may be connected to the mobile device 110 by being selectively connected to the mobile device 110 using Bluetooth or other communication method.

The mobile device 110 is a device in which a mobile payment application, which is authenticated and registered in advance and is a dedicated application for mobile payment, is installed. Examples of the mobile device 110 include a smart phone, a smart pad, and a PDA (Personal Digital Assistant) having NFC (Near Field Communication) or Beacon and Bluetooth functions.

The mobile device 110 receives payment information from the payment medium 10. The payment information includes a card number, an expiration date, a validation value, and the like. The mobile device 110 encrypts the received payment information and transmits the encrypted payment information to the transaction server 120. [

The mobile device 110 may be provided with an embedded security element (eSE) for encrypting and authenticating payment information. The communication between the mobile device 110 and the transaction server 120 can be performed using an encryption algorithm stored in the terminal-embedded security chip.

If POS or PAD 140 is used, payment information may be delivered to transaction server 120 via POS or PAD 140.

2, the transaction server 120 transmits the encrypted payment information to the financial transaction relay server such as the PG company server 210 or the VAN company server 220. [ Receives the payment approval information from the financial transaction relay server, and transmits the payment approval information to the mobile device 110.

Payment Gateway (PG) means a provider that provides a payment system in an online store. Value Added Network (VAN) establishes a network between merchants and card companies to provide additional service providers it means.

The VAN company server 220 requests payment approval to the card issuer server 230 corresponding to the payment information and the PG company server 210 requests payment approval to the card issuer server 230 through the VAN company server 220 . The PG company server 210 or the VAN company server 220 receives the approval result from the card issuer server 230 and transmits the approval result to the transaction server 120. The transaction server 120 receives the approval result and delivers it to the mobile device 110. Accordingly, the settlement is completed.

3 is a diagram for explaining a process of receiving payment information from a payment medium in a mobile device.

3, the mobile device 110 can receive payment information input through a payment medium 10 such as a credit card 10a, an app card 10b, an NFC card 10c, and the like.

The credit card 10a includes a magnetic card, an IC card, and an RF card. In the case of a credit card, the credit card 10a may receive a card number or the like using a numeric pad, or may input payment information through a swipe reader

In the case of the application card 10b, the barcode can be recognized using the camera of the mobile device 110. [ In the case of the NFC card 10c, payment information can be input through the NFC interface of the mobile device 110. [

In this manner, the mobile device 110 can receive payment information from various payment media.

4 is a signal flow diagram provided in a description of a mobile payment method according to an embodiment of the present invention.

Referring to FIG. 4, a mobile device 110 carried by a seller or a service provider receives payment information from the payment medium 10 (S300). The mobile device 110 encrypts the received payment information using a terminal-embedded security chip or the like (S305). The encrypted payment information in the mobile device 110 is transmitted to the transaction server 120 (S310).

The transaction server 120 transmits the received encrypted payment information to the VAN server 220 corresponding to the payment information (S315). The VAN company server 220 requests payment approval from the card company server 230 in step S320. In step S325, the card company server 230 refers to the payment information to determine whether to approve the transaction, (Step S330).

The VAN server 220 transmits the approval result to the transaction server 120 at step S335 and the transaction server 120 transmits the approval result to the mobile device 110 at step S340. The mobile device 110 receives the approval result and processes the payment (S345)

With this process, payment for various payment media can be performed using the mobile device.

On the other hand, if a payment receipt or the like needs to be issued after the settlement is performed, the payment receipt can be transmitted to an e-mail, a text message, or a messenger application using an e-mail address or a mobile phone number of the buyer. As a result, buyers can receive payment receipts via email, text messaging, or instant messaging apps.

The issuance of payment receipts and the like can be processed as an option, and a process of inputting an e-mail address or a mobile phone number can be added only in the case of a buyer desiring to issue a payment receipt. The e-mail address or mobile phone number entered by the buyer can be received from the e-mail server or SMS server. In addition, an e-mail or a text message for transmitting the payment receipt to the purchaser can be encrypted and transmitted for security.

5 is a diagram for explaining a case of paying electronic money in a mobile settlement system according to an embodiment of the present invention.

Electronic money is a general purpose prepaid card, which means a payment means that stores monetary value in an electronic medium such as a computer, an IC card, or a network, and utilizes it when purchasing goods and services. Credit card or debit card is a method of transferring funds through a bank's payment account, while electronic money is a method of making a payment with a value stored on a medium or a network.

Referring to FIG. 5, the payment information input through the payment medium 10 is encrypted in the mobile device 110 and transmitted to the electronic mortice server 250. The electronic mortuary server 250 judges whether or not to approve the payment by referring to the payment information, and transmits the approval result to the mobile device 110.

The mobile device 110 can receive the approval result and process payment for the electronic money.

FIG. 6 is a diagram for explaining a case where a plurality of mobile devices are authenticated and used.

Referring to FIG. 6, a plurality of mobile devices 110a to 110n can be registered in the authentication registration server 130 and used simultaneously in the authentication registration server 130 with one business registration certificate. Similarly, a plurality of POS or PADs 140a to 140n may be registered and used in the authentication registration server 130.

By registering and using such a plurality of mobile devices 110a to 110n, it is possible to use a mobile device carried by a delivery person or the like without having to purchase a separate wireless card dispenser for use by a delivery person etc. in addition to a store Can be performed.

Although the present invention has been described in connection with the above-described exemplary embodiments, the present invention may be applied to manage a variety of commerce bonuses such as points, mileage, electronic coupons, electronic stamps, That is, the bonus calculated in the mobile device according to settlement can be transmitted to the server of the bonus card company through the purchaser's terminal, and can be configured to be approved and accumulated.

Meanwhile, the present invention can be implemented as a code that can be read by a processor in a recording medium readable by the processor. The processor-readable recording medium includes all kinds of recording apparatuses in which data that can be read by the processor is stored. Examples of the recording medium readable by the processor include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and also a carrier wave such as transmission over the Internet. In addition, the processor readable recording medium may be distributed over networked computer systems so that code readable by the processor in a distributed manner can be stored and executed.

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, It should be understood that various modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

110: mobile device 120: transaction server
130: authentication registration server

Claims (10)

A mobile device for receiving and encrypting payment information from a payment medium; And
A transaction server communicably connected to the mobile device for delivering the encrypted payment information received from the mobile device to the financial transaction relay server and for transmitting the payment approval result received from the financial transaction relay server to the payment terminal Includes mobile billing system. The method according to claim 1,
Wherein the mobile device transmits the encrypted payment information to the transaction server through a dedicated application and receives the payment approval information through the dedicated app. The method according to claim 1,
Wherein the mobile device comprises a terminal-embedded security chip, and the payment information is encrypted in the terminal-embedded security chip. The method according to claim 1,
Wherein the payment medium includes a credit card, an app card, and an NFC card. The method according to claim 1,
Wherein at least one of the POS system and the management device is communicably connected to the mobile device. The method according to claim 1,
And an authentication registration server for performing authentication and registration procedures for the mobile device. Receiving payment information from a payment medium at a mobile device;
Encrypting the payment information in the mobile device;
Transmitting the encrypted payment information to a transaction server;
Transferring the encrypted payment information from the transaction server to the financial transaction relay server, and receiving payment approval information from the financial transaction relay server; And
And transmitting the payment approval information from the transaction server to the mobile device. 8. The method of claim 7,
And performing an authentication and registration procedure for the mobile device at the authentication registration server. 8. The method of claim 7,
Wherein the mobile device transmits the encrypted payment information to the transaction server through a dedicated application and receives the payment approval information through the dedicated app. 8. The method of claim 7,
And when the payment is completed, transmitting the payment receipt to the purchaser using the payment medium using at least one of e-mail, text message, and instant messenger app.
KR1020150157060A 2015-11-10 2015-11-10 Mobile payment system and method KR20170054648A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2019203982A3 (en) * 2018-04-17 2020-11-05 Mastercard International Incorporated Server and method for sending a transaction receipt via a push notification
WO2023017943A1 (en) * 2021-08-12 2023-02-16 강수향 System and method for automatic transmission and reception of transaction details using additional information in card

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2019203982A3 (en) * 2018-04-17 2020-11-05 Mastercard International Incorporated Server and method for sending a transaction receipt via a push notification
US11823140B2 (en) 2018-04-17 2023-11-21 Mastercard International Incorporated Server and method for sending a transaction receipt via a push notification
WO2023017943A1 (en) * 2021-08-12 2023-02-16 강수향 System and method for automatic transmission and reception of transaction details using additional information in card

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