KR20210060419A - Payment method for preventing disclosure of personal credit information and payment system using thereof - Google Patents

Abstract

The present invention provides a payment system capable of preventing the leaking of personal credit information which comprises: an affiliated store terminal generating sales information and transmitting the sales information to a mobile communication terminal through short distance communication; a mobile communication terminal generating payment information using the sales information received through the short distance communication and credit card information, and transmitting the payment information to a payment server; and the payment server performing payment using the received payment information. According to the present invention, when a card user makes the payment, the leaking of personal credit information can be fundamentally blocked by performing the payment using the mobile communication terminal receiving the sales information through the short distance communication from the affiliated store terminal disposed on the site.

Description

Payment method to prevent personal credit information leakage and payment system using the method {PAYMENT METHOD FOR PREVENTING DISCLOSURE OF PERSONAL CREDIT INFORMATION AND PAYMENT SYSTEM USING THEREOF}

The present invention relates to a payment method capable of preventing personal credit information leakage and a payment system using the method, and more particularly, a user needs to provide personal credit information such as a card number to an affiliated store terminal using a mobile communication terminal. It relates to a payment method that can prevent the leakage of personal credit information that can be settled without payment, and a payment system using the method.

The POS (Point of Sales) system refers to a system that records sales results of products by being installed in the cashiers of distribution companies such as large discount stores, supermarkets, and convenience stores. That is, a system that processes data related to the sale of the product at the time of sale with a computer, and can be referred to as a'point of sale information management system'. Recently, it is used in the same term as a cash register in large discount stores, and has become an indispensable information system in the distribution industry.

Card payment is performed by connecting to the affiliated store's point of sale (POS) or acquiring the purchaser's card number with a single card (card, prepaid card, debit card, etc.) approval checker (hereinafter referred to as the affiliated store terminal device). It takes a method of requesting approval through the VAN company along with the affiliate store information and payment amount to the financial service provider's server.

That is, when a card user presents his or her card to an affiliated store and requests for purchase in order to pay for a product, the affiliated store uses the affiliated store terminal device to request approval from the financial business operator. At this time, the affiliated store terminal device sends the card number stored in the card user's card, the expiration date, credit information such as a financial business operator, product order information generated by the affiliated store terminal device, payment amount, and information of the affiliated store to the VAN company. VAN company receives this information through VAN's relay system.

In order to apply for approval, VAN's relay system that received the payment approval request data reads the financial business operator information contained in the card user information in the payment approval request data and transmits the data related to the transaction approval request to the transaction approval system of the financial business operator. do.

The transaction approval system of the financial business entity that has received the data related to the transaction approval request compares the user information, product order information, payment amount, and affiliate store information included in the data related to the transaction approval request with the company's member data or affiliate store data, respectively. Check whether the transaction between the user and the affiliate is valid.

The transaction approval system of the financial business operator transmits the transaction approval result for the transaction approval request to the VAN's relay system that relayed the payment approval request, and the VAN's relay system stores the approval number data and transmits it to the corresponding affiliated store terminal. Based on the transmitted approval data, the affiliated store terminal device prints the payment result on the card bill and notifies the card user.

In this way, in the payment method using a card, if the card user provides personal credit information such as the card number, expiration date, and financial business operator required for card payment approval to the affiliated store terminal, the affiliated store approves the transaction to the financial business operator through the VAN company. This is a method in which payment is made based on the result requested and approved.

As a prior art related to the present invention, the "POS payment system using a mobile phone and its operation method" in Korean Patent Application Publication No. 2007-0047028 is a POS that can perform product payment using only a mobile phone by generating an authorization bar code without cash or card. The system is starting up.

However, even with the above prior art, most card users currently provide personal credit information, such as card number, expiration date, and financial business operator, necessary for card payment approval, to the affiliated store terminal, and personal credit information through the affiliated store's terminal device. It is difficult to solve the problem that can be leaked and abused.

Therefore, there is a need for a new payment method and payment system that allows the card user to perform credit card payment without providing the card user's personal credit information to the affiliated store terminal.

Prior Art 1: Republic of Korea Patent Application Publication No. 10-2007-0047028 (2007.05.04)

The present invention has been conceived to solve the above-described problem, and an object of the present invention is to provide a user with personal credit information such as a card number, expiration date, and financial service provider necessary for card payment approval to an affiliated store terminal using a mobile communication terminal. It is to provide a payment method and a payment system using the method that can prevent leakage of personal credit information, which enables payment without necessity.

In order to solve the above problems, a payment system capable of preventing personal credit information leakage, which is an embodiment of the present invention, generates sales information and transmits the sales information to a mobile communication terminal through short-range communication. A mobile communication terminal that generates payment information using sales information and credit card information received through, and transmits the payment information to a payment server, and a payment server that performs payment using the received payment information. .

According to an aspect of an embodiment of the present invention, the short-range communication may be performed by NFC (Near Field Communication).

According to an aspect of an embodiment of the present invention, the mobile communication terminal displays a payment request screen on a display unit and generates payment information by receiving a card password from a card user.

According to an aspect of an embodiment of the present invention, the payment server compares the received payment information with the user registration information including the mobile communication terminal phone number, card number, and password of the previously registered card user, and approves payment when they match. It is characterized by that.

In another embodiment of the present invention, a payment method capable of preventing the leakage of personal credit information is the step of generating sales information including sales amount, affiliate number, and affiliate store business information input through a barcode scanner at the affiliate store terminal. Transmitting information to a mobile communication terminal through short-range communication (NFC), the mobile communication terminal generating payment information using sales information and credit card information received through short-range communication (NFC) and transmitting it to a payment server, The payment server may include performing payment using the received payment information, and the payment server transmitting the payment completion information to the affiliated store terminal and the mobile communication terminal.

According to the present invention as described above, it is possible to fundamentally block the leakage of personal credit information by performing payment using a mobile communication terminal that has received sales information through short-range communication from an affiliated store terminal disposed on the site when a card user pays. There is an advantage. That is, since personal credit information is not transmitted to the affiliated store terminal when paying by card, the personal credit information is not stored in the affiliated store terminal, thereby preventing the leakage of personal credit information through the affiliated store terminal.

1 is a block diagram illustrating a payment system according to an embodiment of the present invention.
2 is a block diagram illustrating a mobile communication terminal according to an embodiment of the present invention.
3 is a block diagram illustrating a mobile communication terminal receiving sales information from an affiliated store terminal according to an embodiment of the present invention.
4 is a flowchart illustrating a payment method capable of preventing leakage of personal credit information according to an embodiment of the present invention.
5 is a flowchart illustrating an operation of a mobile communication terminal requesting payment by receiving sales information according to an embodiment of the present invention.
6 is a diagram illustrating a payment request screen displayed on a mobile communication terminal according to an embodiment of the present invention.

The detailed description below is merely an example, and merely illustrates an embodiment of the present invention. In addition, the principles and concepts of the present invention are provided for the purpose of being most useful and easy to explain.

Accordingly, it is not intended to provide a detailed structure more than necessary for a basic understanding of the present invention, as well as various forms that can be implemented in the substance of the present invention by those of ordinary skill in the drawings are illustrated through the drawings.

Hereinafter, the configuration and operation of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating a payment system according to an embodiment of the present invention, FIG. 2 is a block diagram illustrating a mobile communication terminal according to an embodiment of the present invention, and FIG. 3 is an embodiment of the present invention. Is a block diagram illustrating a mobile communication terminal receiving sales information from an affiliated store terminal according to FIG.

1, the payment system 1000 of the present invention includes a mobile communication terminal 100, an affiliated store terminal 200, and a payment server 300. The payment system 1000 receives sales information from the affiliated store terminal 200 through short-range communication and transmits the payment information to the payment server 300 through the mobile communication terminal 100 to generate payment information, thereby requesting payment. It can block the leakage of personal credit information of card users. The affiliated store terminal 200 may be installed on a checkout counter at a business site or on a table on which the customer is sitting, and receives product information including the sales amount, product name, and number of products for the product purchased by the customer offline through a barcode scanner. , Sales information including the sales amount, an affiliate number, and business number stored in advance may be generated and transmitted to the customer's mobile communication terminal through short-range communication. The payment system 1000 may fundamentally block the risk that customer information such as a credit card number may be read from a conventional affiliated store terminal and the customer information may be stored in the affiliated store terminal.

Referring to FIG. 2, the mobile communication terminal 100 includes a control unit 110, a mobile communication unit 120, a short-range communication unit 130, a display unit 140, a storage unit 160, and a payment unit 150. I can.

The mobile communication unit 120 may be composed of a mobile communication module capable of transmitting wireless signals to a base station and a server by connecting to a mobile communication network, and the short-range communication unit 130 performs short-range communication through Bluetooth, RFID, ZigBee, NFC, etc. It may be made of a short-range communication module capable of. The short-range communication unit 130 is composed of an NFC USIM (tag), an RF antenna, and an NFC chip (controller chip), and transmits RF to a reader (READER) that reads a tag in a target terminal device and a writer (WRITER) that inputs information into the tag. Sales information may be received from the affiliated store terminal 200 through NFC (Near Field Communication) performing a function.

The display unit 140 displays a payment request screen according to the execution of the payment unit, and includes a sensor that senses a touch operation such as a touch film or a touch pad to receive a password, and can be used as an input device in addition to an output device. .

The control unit 110 controls the overall operation of the mobile communication terminal, receives sales information from the affiliated store terminal 200 through the short-range communication unit 130, or controls the payment unit 150 to be executed by the selection of the card user. I can.

The payment unit 150 may be an application (app) that can be executed on a mobile communication terminal. The payment unit 150 generates payment information by receiving sales information received from the affiliated store terminal 200 and credit card information such as a card number and expiration date stored in advance in the storage unit 160 and a card password from a card user. It may include a payment information generating unit 151 and a payment request unit 152 for requesting payment by transmitting the generated payment information to the payment server 300 through the mobile communication unit 120.

6 is a view showing a payment request screen displayed on a mobile communication terminal according to an embodiment of the present invention. Referring to FIG. 6, the payment unit 150 stores and stores sales information received from the affiliated store terminal 200. Credit card information stored in the unit and a payment request screen for receiving a password from a card user may be displayed on the display unit 140. In the payment request screen displayed on the display unit 140, the sales information received from the affiliated store terminal 200 is displayed on the affiliate number display window 141, the business number display window 142, and the sales amount display window 143, and the storage unit 160 ) May be made of a card information display window 145 in which a card number, an expiration date, etc. stored in advance are displayed. In addition, in the payment request screen displayed on the display unit 140, the payment request screen displays a password input window 145 to confirm whether payment information through the mobile communication terminal is due to the intention of the card user, and receives the password from the card user. I can.

When the card user enters the password and selects the payment request button 146, the payment information generation unit 151 generates payment information including sales information, credit card information, and password displayed on the payment request screen, and requests payment. The unit 152 may transmit the generated payment information to a payment server. If the card user is differently displayed on the mobile communication terminal 100 with the sales information received through NFC communication from the affiliated store terminal 200, the card user selects the cancel button 147 to retrieve the sales information from the affiliated store terminal 200 again. You can receive it.

The affiliated store terminal 200 may be a point of sales (POS) terminal or a credit card terminal connected to a payment server through a network, and products purchased through a barcode scanner 230 for products purchased by a card user. Type and sales amount can be entered.

Referring to FIG. 3, the affiliate store terminal 200 stores sales information by using the sales amount input through the barcode scanner 230 and affiliate store information such as an affiliate number, affiliate store business number, and phone number stored in advance in the affiliate store terminal. It may include a sales information generating unit 210 to generate and a short-range communication unit 220 for transmitting the sales information to the mobile communication terminal 100 through short-range communication.

The short-range communication unit 220 to the affiliated store terminal 200 is composed of an NFC USIM (tag), an RF antenna, and an NFC CHIP (controller chip), and transmits RF to read the tag in the target terminal device and the information to the tag. It may be NFC (Near Field Communication) that performs the function of an input writer (WRITER). The affiliated store terminal 200 can control to input the sales information generated by the sales information generating unit 210 into the tag, and the mobile communication terminal 100 is a predetermined distance (approximately 10 cm) to the tag into which the sales information is input. In the case of close proximity within, the mobile communication terminal may receive the sales information input to the tag of the affiliated store terminal 200 through the NFC method.

The payment server 300 receives payment information through the mobile communication terminal 200, and when there is a payment request, user registration including the received payment information and the mobile communication terminal phone number, card number, and password of the card user registered in advance. If the information is compared and matched, payment may be approved and payment may be performed. The payment server 300 may be a card company server, and may be various types of servers operated by a financial service provider having affiliate store information and card information when processing payment related to a transaction approval request.

Therefore, the payment system 1000 of the present invention can fundamentally prevent the leakage of personal credit information by making card payment through the mobile communication terminal 100 without transmitting the personal credit information of the card user to the affiliated store terminal 200. have.

4 is a flowchart illustrating a payment method capable of preventing personal credit information leakage according to an embodiment of the present invention, and FIG. 5 is a mobile communication requesting payment by receiving sales information according to an embodiment of the present invention. It is a flow chart for explaining the operation of the terminal.

As shown in Figure 4, the payment method is the affiliate store terminal 200 receives the sales amount of the product purchased by the card user through a barcode scanner, and generates sales information including the previously stored affiliate number and affiliate store business information. And inputs it into the tag (S41). The card user may receive the sales information input to the tag of the affiliated store terminal through short-range communication of NFC by bringing the card user's mobile communication terminal 100 close to the tag of the affiliated store terminal 200 in which sales information is input (S42). . 5, the mobile communication terminal 100 receiving the sale information executes the app (S51) to display the payment request screen on the display unit, receives the card password to generate payment information, and the payment server It can be transmitted to the request for payment approval (S53, S55). Referring back to FIG. 4, the payment server 300 receiving payment information from the mobile communication terminal 100 registers a user including the received payment information and the mobile communication terminal phone number, card number, and password of the previously registered card user. It compares the information and checks whether they match, and performs payment processing (S44). Finally, the payment server 300 may transmit the payment completion information according to the performed payment processing result to the mobile communication terminal 100 using the affiliate store terminal 200 and the mobile communication terminal phone number using the affiliate number (S45). Therefore, when the payment completion information is transmitted to the mobile communication terminal and the affiliated store terminal of the card user, the card user and the seller can finally confirm that the payment has been completed and complete the transaction.

In the above, the present invention has been described in detail through exemplary embodiments, but those of ordinary skill in the art to which the present invention pertains have found that various modifications can be made to the above-described embodiments without departing from the scope of the present invention. I will understand. Therefore, the scope of the present invention is limited to the described embodiments and should not be determined, and should not be determined by the claims to be described later, but also by those equivalents to the claims.

100: mobile communication terminal 110: control unit
120: Mobile Communication Department 130: Near Field Communication Department
140: display unit 141: affiliate number display window
142: business number display window 143: sales amount display window
144: card information display window 145: password input window
150: payment unit 151: payment information generation unit
152: payment request unit 160: storage unit
200: affiliate terminal 210: sales information generation unit
220: near field communication unit 230: bar code scanner
300: payment server 1000: payment system

Claims (1)

Affiliate store terminal 200 and Bluetooth that receive product information including sales amount, product name, and product number of products purchased offline through a barcode scanner and generate sales information from pre-stored affiliate numbers and business numbers, In the payment method by the customer's mobile communication terminal 100 capable of short-range communication through RFID, ZigBee or NFC,
Inputting the generated sales information into a tag of the affiliated store terminal 200;
Transmitting RF from the short-range communication unit 130 of the customer's mobile communication terminal 100 to receive sales information from the tag;
Executing the payment unit 150 of the customer's mobile communication terminal 100 to display a payment request screen by the display unit 140 of the mobile communication terminal 100 to input a password;
Including the step of requesting payment by transmitting payment information from the payment unit 150 of the customer's mobile communication terminal 100 to a payment server,
The payment unit 150 transmits the payment information generation unit 151 and the generated payment information to the payment server 300 to generate payment information from the credit card information and input password stored in advance in the storage unit 160 It consists of a payment request unit 152 that makes a payment request,
The payment request screen displayed on the display unit 140 includes an affiliate number display window 141 in which sales information received from the affiliate store terminal 200 is displayed, a business number display window 142 and a sales amount display window 143, and stores Personal credit information, characterized in that it further comprises a card information display window 145 displaying a card number and expiration date stored in the unit 160 and a password input window 145 through which a password can be inputted from a card user. Payment method that can prevent leakage.

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