KR20210123717A - USIM prepaid card payment method using QR code - Google Patents

Abstract

Disclosed is a mobile payment method comprising: a step where a payment server receives payment terminal information, charge information, and prepaid card information from a prepaid card; and a step where the payment server communicates with the prepaid card to perform payment between a virtual payment terminal and the prepaid card matching a payment terminal corresponding to the payment terminal information based on the charge information. The payment terminal displays a marker including the charge information and the payment terminal information through a screen display device accessed by the payment terminal. The prepaid card is configured to locally communicate with a mobile terminal where a camera is installed and extract the charge information and the payment terminal information from the marker detected by the camera.

Description

USIM prepaid card payment method using QR code

The present invention relates to a mobile payment technology, and more particularly, to a technology using a prepaid card provided through a mobile terminal such as a USIM prepaid card and a marker such as a QR code. Specifically, the present invention relates to a mobile terminal and a mobile prepaid card payment system, and a secure memory area, that is, a universal subscriber identity module (USIM) that serves as a secure element (SE) or an application executed in a mobile terminal It relates to a method for more conveniently charging and payment in the processing of prepaid cards and payment terminals based on .

According to the prior art, for payment processing of a mobile prepaid card, a mobile terminal and a payment terminal transmit and receive card information and payment information through short-range communication (eg, NFC communication, Bluetooth communication). Therefore, the mobile terminal and the payment terminal must be equipped with hardware and software modules having a short-range communication function. And it is accompanied by a cost according to the mounting of these hardware and software modules.

The mobile prepaid card may be provided in the form of a USIM prepaid card provided by a USIM mounted on the mobile terminal or an app prepaid card provided by an app running on the mobile terminal. In this specification, a USIM prepaid card may be referred to as a USIM-type mobile prepaid card, or may simply be referred to as a mobile prepaid card. The USIM prepaid card and the app prepaid card may be integrated to be referred to as a mobile prepaid card. Hereinafter, the present specification is mainly described with reference to the embodiment of the USIM prepaid card, but the present invention is not limited to the USIM prepaid card and may be applied to the app prepaid card.

In the payment method based on the existing mobile prepaid card, the cash value is stored in the USIM located in the mobile terminal. USIM is a security module based on IC (Integrated Circuit), and it plays a role of safely storing the data stored therein, and has a role of performing secure transaction processing with a payment terminal using its own encryption function.

1 is a view showing each configuration of a mobile terminal 10 and a payment terminal 20 according to an embodiment.

As shown in FIG. 1 , the USIM prepaid card 110 includes a value storage unit 111 , a card storage unit 112 , and a transaction history unit 113 .

The value storage unit 111 stores the same payment value as cash and is used for charging or payment.

The card information unit 112 stores issuance information and payment information for payment therein.

The transaction history unit 113 stores the transaction details used with the payment terminal 20 .

A secret key for performing encrypted secure communication with the payment terminal is stored in the card information unit.

The USIM prepaid card 110 operates using short-range communication (eg, NFC, etc.) and tags the USIM prepaid card 110 to the payment terminal 20, that is, a mobile terminal equipped with the USIM prepaid card 110 ( 10) is used by tagging.

(1) When the USIM prepaid card 110 is tagged to the payment terminal 20, the payment terminal 20 reads the payment information recorded in the USIM prepaid card 110, user information, valid information, balance, previous usage history, etc. is determined and used in billing.

(2) The calculated fee is transmitted to the USIM prepaid card 110 together with information about the payment terminal 20 to request payment to the USIM prepaid card 110, and the USIM prepaid card 110 has encryption security requirements Accordingly, verification for increasing or deducting the balance value stored in the USIM prepaid card 110 is performed.

(3) The verification result is submitted to the payment terminal 20 together with whether the balance value is increased or subtracted, and the payment terminal 20 finally approves the increase or subtraction result submitted from the USIM prepaid card 110 .

(4) The USIM prepaid card 110 reflects the result in the balance value.

All of the above procedures are immediately performed offline by the short-distance communication method, and if communication is unstable or cut off during payment, it must be restarted from the beginning.

In the present invention, the 'offline' transaction means only a prepaid card implemented in a device possessed by the consumer interacts with a payment terminal provided by the supplier in order to perform a fee settlement between the consumer and the supplier of goods or services, and the prepayment It could mean the way the card doesn't interact with the remote server. In contrast, 'online' transaction refers to a process in which a prepaid card implemented in a device owned by a consumer interacts with a remote server provided by the supplier in order to perform a payment between the consumer and the supplier of goods or services. It can mean a way of including.

A process including the steps of (1) to (4) described above is shown in Fig. 2 presented below.

The mobile prepaid card 110 mounted on the USIM performs authentication for a transaction with an external payment terminal 20 located in a short distance from the mobile terminal 10 by using the short-distance communication function of the mobile terminal 10 . and provide charging or payment services.

Therefore, if the user's mobile terminal 10 does not have a short-range communication function or a merchant having a payment terminal 20 without a short-distance communication function, such a service cannot be used, so the target for applying the prepaid card service is limited do. That is, a prepaid card service using a mobile prepaid card cannot be provided.

Since the payment method using the USIM prepaid card 110 uses a short-range communication method, both the mobile terminal 10 and the payment terminal 20 must have a short-range communication device. If at least one of the two devices does not have a short-range communication device, the prepaid card service of the USIM prepaid card 110 cannot be used.

In addition, according to the offline payment method, the mobile prepaid card must be in contact with the payment terminal for a certain period of time until all verification procedures and calculations between the payment terminal and the mobile prepaid card are completed. If the mobile prepaid card and the payment terminal arbitrarily fall off during the payment process, the payment is immediately stopped and the total payment step is delayed, which may cause inconvenience.

In summary, according to the prior art using the USIM prepaid card 110, there are the following problems.

① The conventional payment method using the USIM prepaid card 110 requires a short-range communication function of the mobile terminal 10, and cannot perform a payment service with the payment terminal 20 without a short-range communication function.

② The short-distance communication-based USIM prepaid card 110 performs offline payment and must be in contact with the payment terminal until the payment process is completed.

③ If short-distance communication fails, the payment procedure is initialized, and payment errors such as double deduction may occur depending on the processing status, so supplementary measures are required.

An object of the present invention is to make it possible to conveniently use payment processing using a mobile prepaid card through a marker using a display of a mobile terminal and a payment terminal without a short-range communication module in this mobile prepaid card processing method, for example, a QR code, which is a two-dimensional barcode. There is this.

Another object of the present invention is to provide a more convenient and convenient payment service in using a mobile prepaid card service.

In addition, the present invention intends to provide a technology for providing a wider and more convenient payment service using a mobile prepaid card such as a USIM prepaid card configured based on a short-distance communication function.

In addition, in the present invention, by applying the function of recognizing a marker such as a two-dimensional barcode to a mobile prepaid card, it is possible to provide a wider range of services by removing the service use restrictions according to the communication device, and to minimize the offline payment time. We want to provide a more stable service.

A payment system according to an embodiment of the present invention is a mobile terminal that is equipped with a USIM prepaid card in which a prepaid value that is a financial value stored in advance by a user, a USIM, and can express or recognize the marker (ex: QR code). , a payment terminal that performs payment fee processing by expressing or recognizing the marker, and a payment server for paying a fee calculated based on payment information received from the user mobile terminal and the payment terminal with the USIM prepaid card.

The USIM prepaid card may be a prepaid card provided in the form of a USIM created in the mobile terminal. As a contrasting example, the plastic prepaid card may be a prepaid card provided in the form of a thin plastic card measuring several centimeters in width and height. The plastic prepaid card may provide only the function of a prepaid card, but the USIM prepaid card may provide other functions other than the function of the prepaid card. The plastic prepaid card can provide the value and function of a prepaid card to a microelectronic device provided in a thin plastic housing. In contrast, the USIM prepaid card can provide the value and function of a prepaid card to a microelectronic device standardized in the form of a USIM. A plastic prepaid card may have a built-in coil to support short-distance communication, but a USIM prepaid card does not have a built-in coil to support short-distance communication. have.

In the present invention, a processing method for providing a normal payment service using a mobile terminal without a short-range communication function or a payment terminal and a marker in a payment system using a USIM prepaid card is defined.

The present invention provides a USIM equipped with a prepaid card, a mobile terminal with a built-in USIM and capable of reading a marker, a payment terminal capable of generating the marker for use in payment, and a fee based on information stored in the marker. It is composed of the USIM prepaid card mounted on the mobile terminal and a payment server for performing payment and settlement.

A mobile payment method according to an aspect of the present invention comprises: receiving, by a payment server 40, payment terminal information, charge information, and prepaid card information from a prepaid card 110; and performing, by the payment server, a payment between a virtual payment terminal matching the payment terminal corresponding to the payment terminal information and the prepaid card based on the fee information by communicating with the prepaid card. . At this time, the payment terminal is configured to display the marker including the fee information and the payment terminal information through a screen display device accessed by the payment terminal, and the prepaid card is configured to communicate locally with the mobile terminal in which the camera is installed. and extracting the fee information and the payment terminal information from the marker detected by the camera.

In this case, the mobile terminal may include a network communication module, and the prepaid card may be configured to communicate with the payment server using the mobile terminal.

In this case, the payment server may hold a master key, and the prepaid card may hold a derivation key derived from the master key. The step of performing, by the payment server, payment between the virtual payment terminal and the prepaid card may include: calculating, by the payment server, a fee based on the fee information; transmitting, by the payment server, a payment request including the calculated fee to the prepaid card; receiving, by the payment server, a first signature generated by the prepaid card using the induction key held by the prepaid card from the prepaid card after the prepaid card receives the payment request; verifying, by the payment server, the received first signature, and generating a second signature using the master key held by the payment server; transmitting, by the payment server, the generated second signature to the prepaid card; receiving, by the payment server, a third signature generated using the guiding key of the prepaid card after the prepaid card verifies the second signature; and verifying, by the payment server, the received third signature, and generating payment details. In this case, after verifying the second signature, the prepaid card may be configured to deduct the balance value stored in the prepaid card by the calculated fee received from the payment server before generating the third signature. have.

In a mobile payment method according to another aspect of the present invention, the payment server 40 includes, from any one of the prepaid card 110 and the payment terminal 20 , payment terminal information, billing information, and prepaid card information. receiving a set of data; and performing, by the payment server, a payment between a virtual payment terminal matching the payment terminal corresponding to the payment terminal information and the prepaid card based on the fee information by communicating with the prepaid card. have. In this case, the other device of the prepaid card and the payment terminal is a marker including at least one data held by the other device among the set of data through a screen display device accessed by the other device. is configured to express, and the one device may be configured to detect the expressed marker and extract the at least one data from the detected marker to generate the set of data.

In this case, the virtual payment terminal may be emulated in the payment server or a computing device accessed by the payment server.

In this case, the generation of the one set of data by the one device may be performed by combining the at least one data with data held by the one device by the one device.

In this case, the prepaid card may be configured to communicate with the payment server using a network communication function provided by a mobile terminal that communicates locally with the prepaid card.

In this case, the local communication may be communication in which a baseband signal, which is an unmodulated signal, is transmitted/received.

In this case, the mobile payment method may further include, by the payment server, transmitting the payment details so as to transmit the payment details generated as a result of performing the payment to the payment terminal.

In this case, the payment details may be transmitted to the prepaid card.

In this case, the prepaid card generates a second marker including the payment details, and displays the second marker through a screen of a mobile terminal that communicates locally with the prepaid card, and the payment terminal is the displayed marker may be configured to recognize and extract the payment details from the marker.

In this case, the payment terminal information may be payment terminal information of the payment terminal, and the prepaid card information may be prepaid card information of the prepaid card.

Mobile payment method according to another aspect of the present invention, the mobile terminal 10, using a camera installed in the mobile terminal, detecting the marker generated and expressed by the payment terminal; extracting, by the mobile terminal, payment terminal information and charge information included in the marker; generating, by the mobile terminal, a set of data including the extracted payment terminal information, the fee information, and prepaid card information of a prepaid card installed in the mobile terminal; transmitting, by the mobile terminal, the set of data to a payment server; and performing, by the mobile terminal, communication with the payment server, and performing a payment between the mobile terminal and a virtual payment terminal matching the payment terminal corresponding to the payment terminal information based on the fee information. have.

According to one aspect of the present invention, it is possible to provide a non-volatile storage medium in which a program including program codes for causing a mobile terminal to perform mobile payment is recorded. In this case, the non-volatile storage medium, when the program codes are executed, causing the mobile terminal to detect a marker generated and expressed by the payment terminal using a camera installed in the mobile terminal; extracting payment terminal information and charge information included in the marker; generating a set of data including the extracted payment terminal information, the fee information, and prepaid card information of a prepaid card installed in the mobile terminal; transmitting the set of data to a payment server; and communicating with the payment server, and performing a payment between the mobile terminal and a virtual payment terminal matching the payment terminal corresponding to the payment terminal information based on the fee information. can

According to the present invention, even a mobile terminal without a short-range communication module can express or recognize a marker using an already mounted display or camera, so that the service can be applied to more objects and a payment terminal can be more easily configured.

1 is a view showing each configuration of a mobile terminal 10 and a payment terminal 20 according to an embodiment.
2 is a diagram illustrating a payment flow of a payment system according to an exemplary embodiment.
3 is a diagram for explaining an online processing method of a payment system according to an embodiment of the present invention.
4 is a view for explaining an offline payment history processing method of the payment system according to an embodiment of the present invention.
5 is a view for explaining a payment system according to another embodiment of the present invention.
6 is a view for explaining a payment system according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments described herein and may be implemented in various other forms. The terminology used in this specification is intended to help the understanding of the embodiments, and is not intended to limit the scope of the present invention. Also, singular forms used hereinafter include plural forms unless the phrases clearly indicate the opposite.

2 is a view showing a payment flow diagram of a payment system according to an embodiment of the prior art.

The payment system may include a mobile terminal 10 including a USIM prepaid card 110 , a payment terminal 20 , and a payment SAM 30 .

At this time, the USIM prepaid card 110 may hold a derivation key (#kM), and the payment SAM 30 may hold a master key (#kM).

The derivation key may be a key derived/extracted/modified/derived from the master key of the payment SAM 30 . The origin of the master key of the payment SAM 30 and the induction key of the USIM prepaid card 110 are the same, but may have different values.

In step S110 , the USIM prepaid card 110 may receive the unique information of the payment terminal 20 from the payment terminal 20 through short-distance communication. The USIM prepaid card 110 may receive the short-distance communication function from the mobile terminal 10 equipped with the USIM prepaid card 110 .

In step S111 , the USIM prepaid card 110 may transmit information on the USIM prepaid card 110 to the payment terminal 20 through short-distance communication.

In step S120 , the payment terminal 20 may calculate a fee for an item (or service, etc.) to be paid for. That is, it is possible to determine how much the fee is.

In step S121 , the USIM prepaid card 110 may receive a payment request including the calculated rate information from the payment terminal 20 through short-distance communication.

In step S130, the USIM prepaid card 110 may generate a signature #1 using the derivation key.

In step S131 , the USIM prepaid card 110 may transmit the signature #1 to the payment SAM 30 through short-distance communication. Such transmission may be made with the help of the payment terminal 20 . For example, the payment SAM 30 may be a functional module mounted on the payment terminal 20 , or the payment SAM 30 may be connected to the payment terminal 20 through baseband communication.

In step S132, the payment SAM 30 may verify the received signature #1, and generate a signature #2 using the master key.

In step S133 , the payment SAM 30 may transmit the signature #2 to the USIM prepaid card 110 through short-distance communication.

In step S134, after the USIM prepaid card 110 verifies the signature #2, the balance value stored in the USIM prepaid card may be deducted by the fee. Thereafter, the USIM prepaid card 110 may generate signature #3.

In step S135 , the USIM prepaid card 110 may transmit the signature #3 to the payment SAM 30 through short-distance communication.

In step S136, the payment SAM 30 may verify the received signature #3, and may generate a payment history.

In step S160, the payment SAM 30 may process the payment details.

When the payment details are processed, the payment terminal 20 may issue a receipt. If the payment details are not processed, a receipt may not be issued, and in this case, the consumer may not be able to obtain services or products even though the USIM prepaid card has actually deducted the fee.

The above-described steps may be made in the NFC communication-based offline payment section.

Unlike the embodiment of FIG. 2 , the payment system according to the present invention can perform payment processing using a marker, breaking away from the use of short-distance communication in the past for payment processing using a USIM prepaid card. In this case, the electronic value of the USIM prepaid card according to the existing technology can be used as it is.

3 is a view for explaining a method of processing online payment details of a payment system according to an embodiment of the present invention.

The payment system according to the present invention may include a USIM prepaid card 110 in the mobile terminal 10 , a payment terminal 20 , and a payment server 40 .

The mobile terminal 10 may include a camera and a network communication module. In this case, the mobile terminal 10 may not have a short-range communication device installed. Alternatively, even if a short-distance communication device is installed in the mobile terminal 10, it may not be used.

The USIM prepaid card 110 may be configured to communicate locally with the mobile terminal 10 . At this time, the local communication is a communication method that is differentiated from network communication and also differentiated from short-distance communication. That is, the local communication is a communication method for transmitting and receiving a baseband signal that is an unmodulated signal. For example, the prepaid card may contact a slot provided in the mobile terminal, and may mean communication in a manner in which a baseband signal (eg, a binary number of 1.0.1.0) is transmitted and received through the contacted terminals. In this case, the USIM prepaid card 110 may communicate with the payment server 40 using the mobile terminal 10 .

The payment terminal 20 according to the present invention may generate payment terminal information, which is information about the payment terminal, as information necessary for bill calculation. Also, the payment terminal 20 may generate a marker. The marker may include the payment terminal information. In this case, the marker may be, for example, a QR code or a barcode.

The payment terminal 20 may be configured to display a marker including charge information and the payment terminal information through a screen display device accessed by the payment terminal 20 . In this case, for example, the screen display device may be installed integrally in the payment terminal 20 .

In this case, network communication is possible between the payment terminal 20 and the payment server 40 . In this case, the network communication is a communication method distinguished from short-distance communication.

Hereinafter, the steps of the online payment history processing method of the payment system will be described.

In step (S200), the payment terminal 20 generates a first marker that is the marker including the payment terminal information and the fee information to display the generated first marker through the display of the payment terminal 20 can

The fee information may mean, for example, a cost to be paid by a consumer as a price for obtaining a service or product.

In step S201, the imaging unit of the mobile terminal 10 may recognize the first marker expressed through the display of the payment terminal. That is, the marker recognized by the mobile terminal 10 may be analyzed by the mobile terminal 10 , and the payment terminal information for payment and charge information may be extracted from the first marker. The payment terminal information and charge information may be transmitted to the USIM prepaid card 110 by the mobile terminal 10 .

Steps S200 and S201 may be steps performed in an offline section.

In step S210 , the USIM prepaid card 110 generates payment request information for payment and transmits the generated payment request information to the remote payment server 40 through the wireless communication function of the mobile terminal 10 . can In this case, the payment request information may include the extracted payment terminal information, charge information, and prepaid card information of the USIM prepaid card 110 .

In this case, step S210 may be divided into steps S211 and S212. Step S211 may correspond to step S111 of FIG. 2 . That is, step S211 may be a step in which the USIM prepaid card 110 transmits its own prepaid card information. However, there is a difference in that the receiving subject is the payment server 40 rather than the payment terminal 20 . Step S212 is an added step that is not present in the conventional steps described above in FIG. 2 . Step S212 means that the USIM prepaid card 110 transmits the extracted payment terminal information and charge information to the payment server 40 .

That is, through step S210, the payment server 40 may obtain information for specifying a prepaid card and a payment terminal to be paid, and information on a specific payment amount.

The payment server 40 calculates a fee for payment by using the payment request information including the payment terminal information, the fee information, and the prepaid card information, and proceeds with the procedure for payment processing with the USIM prepaid card in the mobile terminal. .

In an embodiment, the fee information may be information indicating an actual service cost, or may include information sufficient to specify the cost of the service. For example, the rate information may include specific product item information. In this case, the payment server 40 may extract the specific product item information from the fee information, search for a fee corresponding to the specific product item, and use it as the fee for the payment.

The payment processing between the payment server 40 and the USIM prepaid card uses the existing method as it is, and the payment approval method is the same. That is, the payment server 40 may take over the role of the payment terminal. To this end, the payment server 40 (or a computing device accessed by the payment server) may emulate a virtual terminal that performs a function corresponding to the function of the payment terminal. Such a virtual terminal may be referred to as a cloud payment terminal in this specification. The cloud payment terminal may operate as if it were the payment terminal. The concept of such a cloud payment terminal is disclosed in, for example, Korean Patent Application No. KR1020150184201.

In the following steps, the payment server 40 communicates with the USIM prepaid card 110 and matches the USIM with the virtual payment terminal 20 corresponding to the payment terminal information based on the fee information. These are specific steps for performing payment between the prepaid cards 110 .

Hereinafter, communication between the payment server 40 and the USIM prepaid card 110 may be performed through network communication (online communication) with the help of the mobile terminal 10 .

In step S220, the payment server 40 may calculate a fee for a product (or service, etc.) to be paid for using the received payment request information.

In step S221 , the payment server 40 may transmit a payment request including the calculated charge information to the USIM prepaid card 110 .

In step S230, the USIM prepaid card 110 may generate the signature #1 using the derivation key (#kM).

In step S231 , the payment server 40 may receive the signature #1 from the USIM prepaid card 110 .

In step S232, the payment server 40 may verify the received signature #1, and generate a signature #2 using the master key.

In step S233 , the payment server 40 may transmit the signature #2 to the USIM prepaid card 110 .

In step S234 , after verifying the signature #2 received by the USIM prepaid card 110 , the balance value stored in the USIM prepaid card 110 may be deducted by the fee. Thereafter, the USIM prepaid card 110 may generate signature #3.

In step S235 , the payment server 40 may receive the signature #3 from the USIM prepaid card 110 .

In step S236, the payment server 40 may verify the received signature #3, and generate a payment history. The generated payment details need to be provided to the payment terminal 20 .

When the payment process between the payment server 40 and the USIM prepaid card (ie, steps S210 to S236) is completed, the mobile terminal 10 and the payment terminal 20 receive payment completion details from the payment server 40 can be received to terminate the payment request.

Thereafter, the procedure for completing the payment of the payment terminal 20 can be divided into two types.

First, if the payment terminal 20 is provided with a real-time wired/wireless network communication function, there may be a method in which the payment terminal 20 connects to the payment server 40 through a wired/wireless communication network and immediately receives the payment result. This method may be referred to as a real-time online payment history processing method.

Second, there may be an offline payment history processing method in which the payment terminal 20 does not directly communicate with the external payment server 40 directly, but performs payment processing with the help of the mobile terminal 10 .

3 is a view for explaining the online payment history processing method.

In step S240 , the payment server 40 may directly transmit the payment approval result to the payment terminal 20 through a wired/wireless network communication function.

In step S260 , the payment terminal 20 may process the same payment details as before using the received payment approval result. Step S260 may correspond to step S160.

For example, the payment terminal 20 may output a receipt using the received payment approval result. This payment method may be used, for example, in stores such as convenience stores, cafes, and marts.

4 is a view for explaining an offline payment history processing method of the payment system according to an embodiment of the present invention.

The configuration of the payment system of the offline payment history processing method is mostly the same as the configuration of the payment system of the online payment history processing method.

In addition, steps (S200) to (S236) of the payment system of the online payment history processing method may be equally applied to the payment system of the offline payment history processing method.

Even in the second offline payment history processing method, the product or service according to the payment result must be immediately provided to the user, so the payment terminal 20 or the seller operating the payment terminal 20 must be able to immediately know the payment approval result.

In the configuration following the offline payment history processing method, the payment terminal 20 cannot communicate immediately with the external payment server 40, so as in the following steps, the payment is completed through the user's mobile terminal 10 can do.

In step S240 , the payment server 40 may transmit the payment approval result to the mobile terminal 10 .

In step S250, the USIM prepaid card 110 or the mobile terminal 10 generates a second marker (eg, a QR code, etc.) for delivery to the payment terminal 20 using the received payment approval result. can The second marker may include information on the payment completion details.

In step S251 , the mobile terminal 10 may display the generated second marker through a screen accessed by the mobile terminal 10 .

In step S260 , the payment terminal 20 may recognize the second marker expressed by the mobile terminal 10 , and extract a payment approval result from the second marker to process the payment details. To this end, the payment terminal 20 may include or use an imaging unit capable of recognizing the second marker.

Specifically, the payment terminal 20 recognizes the second marker output on the screen of the mobile terminal 10 using the imaging unit installed in the payment terminal 20, and the payment completion details from the second marker can be extracted. Thereafter, the payment terminal 20 may use the extracted payment completion details to generate payment details and complete the payment procedure. For example, the payment terminal 20 may output a receipt at the end.

5 is a view for explaining a payment system according to another embodiment of the present invention.

The configuration of the payment system of FIG. 5 may be the same as that of the payment system of FIG. 3 .

If the embodiment of FIG. 3 is an example in which the payment terminal 20 generates a marker including payment terminal information and charge information, in the embodiment of FIG. 5 , the mobile terminal 10 is a prepaid card of the USIM prepaid card 110 . This is an example of creating a marker including information.

In this case, the USIM prepaid card 110 and the mobile terminal 10 may not have a short-range communication device or even if there is a short-range communication device, they may not be used.

In step S310, the payment terminal 20 may generate payment terminal information and charge information.

In step S311 , the mobile terminal 10 may generate a marker including the prepaid card information of the USIM prepaid card 110 .

In step S312 , the payment terminal 20 may recognize the generated marker displayed through the screen display device of the mobile terminal 10 .

In step S313, the payment terminal 20 extracts the prepaid card information from the recognized marker, and transmits the prepaid card information together with the previously generated payment terminal information and charge information to the payment server 40. have. In this case, the payment terminal 20 and the payment server 40 are capable of network communication.

The subsequent processes by steps S320 to S360 may be the same as the processes by steps S220 to S260 of the embodiment of FIG. 3 .

6 is a view for explaining a payment system according to another embodiment of the present invention.

While the embodiment of FIG. 5 relates to a payment system of an online payment history processing method, the embodiment of FIG. 6 relates to a payment system of an offline payment history processing method.

That is, in step S340 of FIG. 6 , the payment server 40 may transmit the payment approval result to the USIM prepaid card 110 using wired/wireless network communication.

In step S350 , the mobile terminal 10 may generate a second marker (eg, a QR code, etc.) to be transmitted to the payment terminal 20 using the received payment approval result. The second marker may include information on the payment completion details.

In step S351, the mobile terminal 10 may display the generated second marker through the screen.

In step S360, the payment terminal 20 may recognize the second marker expressed from the mobile terminal 10, extract a payment approval result from the second marker, and process the payment details.

According to the above-described embodiments of the present invention, the following effects are obtained.

First, the usage scenario of the USIM prepaid card can be expanded by using the camera shooting function and screen display function, which are basic functions that are almost commonly applied to mobile terminals.

As in the present invention, a method of making a payment using a USIM prepaid card using a marker is implemented based on a function provided by a mobile terminal.

Although the mobile terminal does not include a short-distance communication module, most of the mobile terminals basically include a display and an imaging unit. Therefore, most mobile terminals have no difficulty in recognizing and expressing the marker.

As such, even a mobile terminal that is not equipped with a short-range communication module may perform payment processing using the payment terminal.

The existing short-distance communication payment method centered on Android devices, for example, NFC payment method, can be widely applied to most mobile terminals including Android, iPhone, and Windows Phone if only USIM is available.

Second, it has the effect of improving the usability of the USIM prepaid card payment method.

In the payment method using the existing short-distance communication method, the mobile terminal must be located within the short-distance communication range of the payment terminal from the payment request to the completion of payment approval. If the short-distance communication quality of the mobile terminal is poor or the location of the mobile terminal is moved, the payment is terminated and has to be restarted from the beginning, which in some cases may cause unintended payment results.

In the payment method using the USIM prepaid card according to the present invention, the time required for the mobile terminal to communicate with the payment terminal for payment requires only a very short time for recognizing the marker. Since only one inquiry is required to receive payment information from the payment terminal, there is no need to contact the USIM prepaid card, that is, the mobile terminal, with the payment terminal again, and payment failure does not occur.

The actual payment request and payment approval procedure is performed between the USIM prepaid card and the payment server 40 (ie, between the mobile terminal equipped with the USIM prepaid card and the payment server 40) using an online communication method. The mobile terminal completes the payment remotely with the payment server 40 through mobile communication, and even if a failure occurs, the mobile terminal or payment server 40 can remotely supplement the payment process to complete the payment more easily. can

Third, since there is no need for a short-range wireless communication module in the mobile terminal and/or the payment terminal, the cost for configuring a payment method using a USIM prepaid card can be reduced.

In order to configure the payment method using the existing USIM prepaid card, both the mobile terminal and the payment terminal must be equipped with a short-range communication device. In addition, the payment terminal had to include a device for billing and card processing, and the configuration of the payment terminal was complicated and required high cost. In the present specification, the short-range communication device includes wireless communication such as NFC communication, and further may include wired communication using a USB cable.

The mobile terminal according to the present invention can be applied to more diverse and wider mobile terminals because it only needs a camera, which is one of the basic functions, without the need for a short-range communication device. In addition, since the payment terminal only needs a display and a camera, a cheaper and simpler payment terminal can be constructed. The effect of cost reduction can be maximized because payment terminals are distributed and used in multiple numbers rather than a single configuration.

For description of the embodiment of the present invention, the term USIM prepaid card 110 shown in FIGS. 3 to 6 may be replaced with the mobile prepaid card 110 or the prepaid card 110 . The mobile prepaid card 110 may be a USIM prepaid card or an app prepaid card provided in the form of an app (APP) executed in a mobile terminal. Since USIM prepaid cards use hardware security technology, it can be said that they have higher security reliability than app prepaid cards, but depending on the specific security technology applied to app prepaid cards, app prepaid cards may also provide sufficient security reliability. The app prepaid card can be understood as performing the functions provided by the USIM prepaid card by the app running on the mobile terminal instead.

By using the above-described embodiments of the present invention, those skilled in the art will be able to easily implement various changes and modifications within the scope without departing from the essential characteristics of the present invention. The content of each claim in the claims may be combined with other claims without reference within the scope that can be understood through this specification.

10: mobile terminal
20: payment terminal
40: payment server
110: USIM prepaid card

Claims (14)

receiving, by the payment server 40, payment terminal information, charge information, and prepaid card information from the prepaid card 110; and
performing, by the payment server, a payment between a virtual payment terminal matching a payment terminal corresponding to the payment terminal information and the prepaid card based on the fee information, in communication with the prepaid card;
includes,
The payment terminal is configured to display a marker including the fee information and the payment terminal information through a screen display device accessed by the payment terminal,
The prepaid card is configured to communicate locally with a mobile terminal in which a camera is installed, and to extract the charge information and the payment terminal information from the marker detected by the camera,
Mobile payment method.
According to claim 1,
The mobile terminal includes a network communication module,
The prepaid card is configured to communicate with the payment server using the mobile terminal,
Mobile payment method.
According to claim 1,
The payment server holds a master key, and the prepaid card holds a derivation key derived from the master key,
performing, by the payment server, a payment between the virtual payment terminal and the prepaid card,
calculating, by the payment server, a fee based on the fee information;
transmitting, by the payment server, a payment request including the calculated fee to the prepaid card;
receiving, by the payment server, a first signature generated by the prepaid card using the induction key held by the prepaid card from the prepaid card after the prepaid card receives the payment request;
verifying, by the payment server, the received first signature, and generating a second signature using the master key held by the payment server;
transmitting, by the payment server, the generated second signature to the prepaid card;
receiving, by the payment server, a third signature generated using the guiding key of the prepaid card after the prepaid card verifies the second signature; and
verifying, by the payment server, the received third signature, and generating payment details;
includes,
After verifying the second signature, the prepaid card is configured to deduct the balance value stored in the prepaid card by the calculated fee received from the payment server before generating the third signature.
Mobile payment method.
receiving, by the payment server 40, a set of data including payment terminal information, charge information, and prepaid card information from any one of the prepaid card 110 and the payment terminal 20; and
performing, by the payment server, a payment between a virtual payment terminal matching the payment terminal corresponding to the payment terminal information and the prepaid card based on the fee information, in communication with the prepaid card;
includes,
The other device of the prepaid card and the payment terminal expresses a marker including at least one data held by the other device among the set of data through a screen display device accessed by the other device. is to be done,
wherein the any one device is configured to detect the expressed marker and extract the at least one data from the detected marker to generate the set of data,
Mobile payment method.
The mobile payment method according to claim 4, wherein the virtual payment terminal is emulated in the payment server or a computing device accessed by the payment server.
5. The method of claim 4, wherein the generating of the one set of data by the one device is performed by combining the at least one data with the data held by the one device. A mobile payment method.
The mobile payment method according to claim 4, wherein the prepaid card communicates with the payment server using a network communication function provided by a mobile terminal that communicates locally with the prepaid card.
The mobile payment method according to claim 7, wherein the local communication is communication for transmitting and receiving a baseband signal that is an unmodulated signal.
The mobile payment method according to claim 4, further comprising: transmitting, by the payment server, the payment details so as to transmit the payment details generated as a result of performing the payment to the payment terminal.
The mobile payment method according to claim 4, wherein the payment details are transmitted to the prepaid card.
11. The method of claim 10,
The prepaid card generates a second marker including the payment details, and displays the second marker through a screen of a mobile terminal that communicates locally with the prepaid card,
The payment terminal recognizes the displayed marker and extracts the payment details from the marker,
Mobile payment method.
The mobile payment method according to claim 4, wherein the payment terminal information is payment terminal information of the payment terminal, and the prepaid card information is prepaid card information of the prepaid card.
detecting, by the mobile terminal 10, a marker generated and expressed by the payment terminal using a camera installed in the mobile terminal;
extracting, by the mobile terminal, payment terminal information and charge information included in the marker;
generating, by the mobile terminal, a set of data including the extracted payment terminal information, the fee information, and prepaid card information of a prepaid card installed in the mobile terminal;
transmitting, by the mobile terminal, the set of data to a payment server; and
performing, by the mobile terminal, a payment between a virtual payment terminal matching the payment terminal corresponding to the payment terminal information and the mobile terminal based on the fee information, in communication with the payment server;
containing,
Mobile payment method.
A non-volatile storage medium in which a program including program codes for causing a mobile terminal to perform a mobile payment is recorded,
When the program codes are executed, the mobile terminal causes the
detecting a marker generated and expressed by a payment terminal using a camera installed in the mobile terminal;
extracting payment terminal information and charge information included in the marker;
generating a set of data including the extracted payment terminal information, the fee information, and prepaid card information of a prepaid card installed in the mobile terminal;
transmitting the set of data to a payment server; and
communicating with the payment server and performing a payment between a virtual payment terminal matching the payment terminal corresponding to the payment terminal information and the mobile terminal based on the fee information;
characterized in that it is adapted to perform
Non-volatile storage media.

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