KR100681522B1 - Method and device for providing settlement service with terminal authentication - Google Patents

Abstract

A payment service providing method by a payment service providing server, comprising: a product server receiving an online purchase request signal from one of a plurality of using terminals whose terminal unique identifiers are managed by a management device coupled to the payment service providing server Receiving a message including a terminal unique identifier corresponding to the user terminal and a purchase price of the product from the terminal; identifying the terminal using the terminal unique identifier to perform settlement with the management apparatus and the product server at a predetermined time point; Storing the purchase amount corresponding to the terminal, and performing a settlement on the purchase amount according to a preset ratio between the management device that has made a payment for the purchase amount of the terminal and a product server. Bill of payment characterized in that the payment is performed without an impression It relates to a method for providing a scan.

User terminal, management device, product server, payment service providing server, unique identifier

Description

Method and device for providing settlement service with terminal authentication             

1 is a diagram showing the configuration of a payment service providing system according to a preferred embodiment of the present invention.

2A to 2D are diagrams showing the configuration of a user terminal, a management device, a product server, and a payment service providing server according to a preferred embodiment of the present invention.

3 is a flowchart illustrating a payment service providing procedure according to a preferred embodiment of the present invention.

4 is a flowchart illustrating a purchasing procedure according to a preferred embodiment of the present invention.

5 is a flowchart showing a purchase confirmation procedure according to a preferred embodiment of the present invention.

6 is a flowchart showing a settlement step according to a preferred embodiment of the present invention.

The present invention relates to a method and apparatus for providing a payment service through terminal authentication, and more particularly, to a payment service for a purchase history of a user connected to a product server through a wired network, rather than the user's ID. A payment service providing method and apparatus configured to perform using a unique ID and settle at a predetermined time point.

The present invention relates to the provision of a payment service through terminal authentication, which does not require a separate authentication procedure for a user in a method of using contents of a paid site or purchasing a product of a shopping mall in a terminal of a PC room or a corporate user.

First, there are instability of membership registration and card payment. In other words, personal information may be exposed, and an example of actual information exposure exists. Second, when purchasing multiple products, each user's payment required for each purchase was required.

For example, when looking at the problems of purchasing a product in the PC room and the company, in the PC room, various kinds of hacking program in the situation that the purchase in the PC room is not well made. In addition, security problems, such as leaking user information during payment of credit cards, etc. are often used.

In addition, in case of accessing to paid content server according to the necessity of paid contents for company projects and reports within a company such as a corporation, an individual first exposes personal information by paying the purchase amount according to paid contents, and then attaches a receipt. Some inconveniences, such as receiving money. In addition, in the case of ID registration of existing corporations, the risk of leaking company information exists to retirees or third parties exposed to IDs.

As described above, when a payment is made using a credit card or a payment for a product purchase in a shopping mall, a security problem is often raised due to a high possibility of personal information leakage. In addition, the user's discomfort existed due to the need for personal authentication and another authentication for payment.

Accordingly, the technical problem to be achieved by the present invention is to use the paid content in a PC room, a company, a school, or the like to use the paid content or to purchase goods, and the paid content by the management device for managing the terminals without a separate user authentication procedure It is to provide a service method and device that can be easily used to pay the user's desired payment method, including cash payment method, card payment, online deposit, etc. after using or immediately purchase the goods. For example, PCBang can make online purchase-offline payment, such as cashing directly at PCB counter, for products purchased online, and corporations or general companies need to make a payment every time they make an online purchase. Without a predetermined time period or time, the management device managed by the corporation or the general company can be settled at a time by online, direct debit, credit card payment method. In addition, in the case of the school, when using the paid content through the registered terminal and purchases the product, a service method and device that can be processed in the same way as the corporation or general company through the management device managed in the school It is.

The present invention provides a payment service providing method in a payment service providing server, comprising: (a) an online purchase to one using terminal among a plurality of using terminals whose terminal unique identifier is managed by a management device coupled to the payment service providing server; Receiving a message from the commodity server receiving the request signal, the message including the terminal unique identifier corresponding to the user terminal and the purchase price of the commodity, (b) Settle the settlement with the management device, the commodity server at a predetermined time Identifying the terminal by using the terminal unique identifier, storing the purchase amount corresponding to the terminal, and (c) the management device that has made a payment for the purchase amount of the terminal; The settlement of the purchase price according to a preset ratio between the product server It includes a step, and relates to a payment service providing method characterized in that the payment is performed without exposing personal information.

The step (a) may further include performing an authentication procedure of the terminal using the terminal unique identifier and transmitting an authentication result including whether payment for the product purchase is possible to the product server.

In another aspect, the present invention provides a payment service in a commodity server, (a) receiving an online purchase request signal from one of the plurality of terminals using a terminal unique identifier managed by the management device coupled to the commodity server (B) storing purchase information including a purchase price of the requested product and a unique identifier of the terminal in order to perform settlement with a payment service providing server coupled with the management device at a predetermined time point; (c) generating a message including the terminal unique identifier and the purchase amount by using the purchase information and transmitting the message to a payment service providing server, and (d) the payment service providing server performing the payment from the management device. And performing a settlement on the purchase amount according to a preset ratio, The present invention relates to a payment service providing method comprising performing payment without exposing personal information.

(A) relates to a payment service providing method, characterized in that for receiving an online purchase request signal from a user terminal which is authorized to be paid in advance by the terminal unique identifier.

Accordingly, the present invention relates to a method for providing a payment service of product purchase by terminal authentication.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements, and redundant description thereof will be omitted.

1 is a network diagram for providing a terminal authentication payment service according to an embodiment of the present invention.

The present invention relates to a payment service providing method and apparatus through terminal authentication, and more particularly, a terminal used by a user for payment of a purchase history of a user connected to the product server 140 through a network, rather than a user ID. The present invention relates to a payment service providing method and apparatus configured to perform using a unique identifier of and to settle at a predetermined time point. For example, when a user purchases a product such as using paid content or purchasing an item in a PC room, payment for the product purchase is authenticated by a unique identifier of the user terminal 100 used by the user. And after identification is made, the management apparatus 120 of the PC room is notified. Thereafter, when the user pays a fee for the use time in the PC room, the fee for the product purchase is summed and paid, and the settlement is performed for the product server 140 that provides the PC room and the product at a predetermined time point.

Hereinafter, referring to FIG. 1, a payment system through terminal authentication according to the present invention includes a user terminal 100, a management device 120, a product server 140, and a payment service providing server 160.

The management device 120 corresponding to the plurality of use terminals 100 manages a unique identifier of the terminal, and stores and manages information on a purchase price and the like when purchasing a product to the product server 140.

The product server 140 refers to a server that provides, sells, and distributes a product such as a paid site or a shopping mall. The product here includes not only paid content but also general goods.

The payment service providing server 160 performs a function of authentication of the terminal purchasing the product and the settlement device 120 and the product server 140 associated with the terminal for the purchase price of the product.

Figure 2a is a diagram showing the configuration of a terminal used in accordance with a preferred embodiment of the present invention.

Referring to FIG. 2A, a user terminal according to the present invention includes a product purchase confirmation unit 102 and a payment content management unit 104.

The product purchase confirming unit 102 performs a procedure of confirming the payment details according to the purchase of the product with the management device 120. After the purchase of goods from the goods server 140 receives a purchase confirmation request message from the management device 120 and transmits a response thereto.

The payment details management unit 104 stores and manages the product purchase information including the purchase price according to the purchase of the product and uses the same to pay the management device 120. Here, the payment information required for payment of the purchase amount may be received from the management device 120 without storing and managing the purchase information.

2B is a diagram showing the configuration of the management device 120 according to a preferred embodiment of the present invention.

Referring to FIG. 2B, the management device 120 according to the present invention includes a terminal management unit 122, a purchase information communication unit 124, and a payment amount settlement unit 126.

The use terminal manager 122 may be configured to perform a function of managing purchase information regarding the purchase amount and the purchase amount through the product server 140 of the use terminal. It stores and manages unique identifiers and purchase amounts of all the use terminals 100 and corresponding purchase information. Here, the unique identifier is used to authenticate that the using terminal 100 is a terminal managed by the management device 120 by accessing the commodity server 140 and is managed by the management device 120. The unique identifier may include an authentication tool and an IP address authentication method such as an IP address authentication method that is directly authenticated when a server is connected.

The purchase information communication unit 124 may purchase information including the purchase price according to the product server 140 and the product purchase when one user terminal of the plurality of managed terminals accesses the product server 140 and requests the product purchase. Receives and performs a procedure for checking whether the purchase according to the purchase information with the user terminal 100, and transmits a response message for the received purchase information to the commodity server 140.

The payment amount settlement unit 126 performs payment processing for the purchase amount of the user terminal, and the payment service providing server 160 at a predetermined time using the purchase information of the user terminal 100 received from the product server 140. ) And settle the purchase amount according to a preset ratio.

2C is a diagram illustrating a configuration of a commodity server 140 according to a preferred embodiment of the present invention.

Referring to FIG. 2C, the commodity server 140 according to the present invention includes a terminal authentication member managing unit 142, a commodity sales processing unit 144, and a purchase price settlement unit 146.

The terminal authentication member manager 142 may be configured to perform a function of storing and managing information of the unique identifier of the use terminals 100. In addition, information about the management device 120 for performing a purchase confirmation procedure with the management device 120 according to the purchase of the product of the user terminal 100 is also stored and managed.

When there is a purchase of goods by the user terminal 100, the product purchase processor 144 generates a message including a purchase price and a unique identifier of the user terminal 100, and manages the device associated with the user terminal 100 ( It may be configured to perform a confirmation procedure for the product purchase of the user terminal 100 and transmit a message including the purchase price and the terminal unique identifier to the payment service providing server 160.

The purchase price settlement unit 146 may be configured to perform a function of calculating a purchase price of the sold product with the payment service providing server 160 at a predetermined time.

2d is a diagram showing the configuration of a payment service providing server 160 according to a preferred embodiment of the present invention.

Referring to FIG. 2D, the payment authentication server according to the present invention includes a terminal manager 162, a product server 140 manager 164, a payment authentication processor 166, and a settlement processor 168.

The terminal manager 162 is configured to perform a function of storing and managing information of the use terminal 100 and the management device 120. Manage information including the unique identifier and the purchase price of the terminal.

The commodity server 140 manager 164 is configured to store and manage information of at least one commodity server 140 and a purchase amount of at least one terminal used in correspondence with the commodity server 140. .

The payment authentication processor 166 identifies the terminal of the terminal manager 162 using the unique identifier of the terminal received from the product server 140 according to the purchase of the product of the user terminal 100, and corresponds to the terminal. To store the purchase price received from the commodity server 140.

The settlement processing unit 168 performs settlement with the corresponding management device 120 and settlement with the commodity server 140 using the purchase price received from the commodity server 140 and the terminal unique identifier.

3 is a flowchart illustrating a payment service providing process for payment of a product purchase from a product server 140 of a user terminal managed by the management device 120 according to an embodiment of the present invention.

The payment service providing step according to the present invention includes a purchase step (S310), a purchase confirmation step (S330), and a settlement step (S350). The purchase step (S310) is an online purchase step of performing authentication and purchase by accessing the merchandise server 140 in the use terminal 100, and the purchase confirmation step (S320) is a purchase history and amount according to the purchase for payment and settlement. Confirm and save. Thereafter, the purchase price made through the online purchase is transmitted to the management device 120, and the user corresponding to the user terminal 100 performs the payment by various methods such as offline payment and credit card payment. For example, the offline payment may mean a payment for the sum of the fee and the purchase amount in the case of a PC room, and in the case of a corporation, the offline payment may be made by deducting a purchase amount of a product not necessary for work from a salary or the like. . And the settlement step (S330) refers to the step of calculating the fee and payment amount between the payment service providing server 160 and the product server 140 at a predetermined rate with respect to the purchase price at a predetermined time point.

Hereinafter, the overall operating procedure will be described with reference to FIG. 3.

First, in the purchase step (S310), when the user terminal 100 is connected to the product server 140, to authenticate the user terminal 100 with a terminal unique ID corresponding to the user terminal 100, the user terminal 100 Receive a purchase request signal.

In the purchase confirmation step (S330), the product server 140 transmits the purchase history to the management device 120, the management device 120 transmits the purchase history to the use terminal 100. In addition, when the product server 140 transmits a purchase confirmation request signal to the payment service providing server 160, the payment service stores a purchase history and transmits a purchase confirmation signal to the product server 140.

In the settlement step (S350), the management device 120 receives the payment for the purchase price offline or online from the user terminal 100 that purchased the product, the payment service providing server 160 is a management device ( 120) and settles with the commodity server 140.

4 to 6 are views for explaining each step of FIG. 3 according to an embodiment of the present invention in more detail. 4 is a purchase step, FIG. 5 is a purchase confirmation step, and FIG. 6 is a settlement step.

First, FIG. 4 is a flowchart illustrating a process of performing authentication and product purchase in a product server 140 of a user terminal according to an embodiment of the present invention.

The user terminal requests the product server 140 to authenticate with the terminal unique identifier (S410). The commodity server 140 performs authentication on the user terminal through the received unique identifier (S420). Here, the unique identifier authentication method includes a method of identifying and verifying and authenticating the terminal by using a unique identifier of the using terminal 100 that requests authentication by managing unique identifiers of the terminals in the product server 140, and a unique identifier. There is a method for performing the authentication process by transmitting the unique identifier requested to the authentication to the server for managing and authentication process. After the authentication process of the user terminal is completed, and transmits an authentication confirmation message to the user terminal 100 (S430). The terminal receiving the message requests a purchase for a desired product (S440). The product server 140 receiving the purchase request stores the purchase information including at least the purchase price for the product and the unique identifier of the use terminal 100 (S450).

If the product is a content, it is transmitted through a network, and if it is an article, it can go through a delivery procedure. Here, the transmission and delivery procedures for the goods may be performed after the purchase confirmation procedure for stable settlement.

5 is a flowchart illustrating a purchase confirmation procedure for purchasing a product of the using terminal 100 according to an embodiment of the present invention.

The purchase confirmation information including the purchase amount of the product purchased by the use terminal 100 and the information (unique identifier) of the use terminal 100 is transmitted to the management device 120 (S510). The management device 120 performs a purchase confirmation procedure to the user terminal 100 through the received purchase confirmation information (S520). Here, the confirmation content may include a purchase product details, a payment amount, and information (URL or name) of the product server 140. The management device 120 stores management device purchase information including at least the purchase price and a unique identifier of the use terminal 100 for the settlement of the purchase amount (S530), and the use terminal 100 as the commodity server 140. The confirmation signal for purchasing the product is transmitted (S540). Here, step S520 may be performed after step S540. The commodity server 140 provides the payment service providing server 160 with purchase history information including a purchase amount of the product purchased by the user terminal 100 and a unique identifier of the terminal for settlement with the payment service providing server 160. Transmit to (S550). The payment service providing server 160 identifies the terminal by using the terminal unique identifier to perform settlement with the management device 120 and the product server 140 at a predetermined time point, and corresponds to the terminal. By storing the purchase amount (S560). Here, it is natural that the order of the steps S510-S540 and the steps S550-560 may be reversed.

6 is a flowchart illustrating a settlement procedure for purchasing a product of a user terminal according to an embodiment of the present invention. The settlement may be performed at a predetermined time, or may be performed in real time when payment occurs due to a product purchase.

The management device 120 performs settlement with the payment service providing server 160 for the purchase price of the managed use terminal 100. In addition, the payment service providing server 160 performs a settlement with the commodity server 140 corresponding to the settlement amount with respect to the management device 120. The settlement process for the fees given to the management device 120 and the payment service providing server 160 may be performed in two ways.

 Referring to the drawings in detail, the management device 120 calculates an amount for settlement with the payment service providing server 160 (S610). The settlement service is settled with the settlement service providing server 160 for the settlement amount (S630). Here, according to the first embodiment of the settlement process for the fee, the management device 120 is a method of paying a predetermined amount of fees given to the management device 120 with the payment service providing server 160 for the limited amount, and the second According to the exemplary embodiment, the payment service providing server 160 receives the settled amount of the fee without deducting the fee, and sets the fee and performs the settlement processing on the fee to the management device 120.

The payment service providing server 160 calculates an amount for settlement with the product server 140 (S650). The settlement is processed with the commodity server 140 with respect to the settled amount (S670). In the settlement process, the settlement of the fee is performed in the same manner as the settlement process between the management device 120 and the payment service providing server 160.

A payment method of a user for purchasing a product according to an exemplary embodiment of the present invention is as follows.

After purchasing a product by accessing a shopping mall using a terminal of a PC room, the user pays cash with a PC room fee at a counter at a counter at a desired time, such as when the user leaves a PC room for the payment amount of the product.

In addition, by using the terminal of the corporate company to access the paid site and use the desired paid content, the payment method for the used paid content is the method of the corporate company such as online deposit, automatic transfer, deduction from the salary at a predetermined time Can be determined by

Hereinafter, the description is based on a corporation, a PC room, etc., but it is natural that a group such as a school or a public institution can implement this.

 As described above, the method and device for providing a terminal authentication payment service according to the present invention do not require a separate authentication procedure according to the site access and payment of a terminal user who wants to use or purchase a product, and input personal information necessary for authentication. It is possible to prevent the damage caused by the leakage of personal information by removing the risk of exposure of the information, and it is possible to provide the service according to the use or purchase of contents quickly by simplifying the authentication process.

In addition, the place that sells goods such as paid sites or shopping malls handles the payment for the sale of goods with the payment service providing server, so it is not necessary to process the deposit and withdrawal for each sold product. have.

In addition, the management device that performs the function of managing the payment processing by the managed terminal has the effect of raising the revenue of the fee for the payment details.

In addition, in the case of a corporation or a general company, the conventional method of using a joint ID has the effect of controlling the leakage of company information, online purchasing activities irrelevant to work, and the access of others other than employees.

In addition, in the case of school, online teaching and online transactions for the learning of teachers (professors) are frequently performed, which can prevent personal information leakage caused by real name authentication and payment by teachers or students. It also works.

Although described above with reference to a preferred embodiment of the present invention, those skilled in the art that various modifications of the present invention within the scope without departing from the spirit and scope of the invention described in the claims below And that it can be changed.

Claims (8)

In the payment service providing method, (a) transmitting, by the product server, a purchase history including a purchase price and the unique identifier to a payment service providing server according to a product purchase request from an authorized user terminal using the unique identifier; (b) the payment service providing server uses the unique identifier to perform the settlement according to the purchase of the product at a predetermined time point with a management device that processes the settlement according to the purchase of the product of the product server and the user terminal. Recognizing a user terminal and storing the purchase amount; And (c) the payment service providing server performing a settlement on the purchase price according to a preset ratio with the management device and the product server, And in the step (a) or step (b), the purchase price is notified to the management device. In the payment service providing server provides a payment service, (a) receiving from the product server a purchase history including a purchase price according to a purchase of a product of the user terminal authenticated by the unique identifier and a unique identifier of the user terminal; (b) recognizing the user terminal through the unique identifier and performing the purchase in order to perform the settlement according to the product purchase at a predetermined time point with a management device that processes the settlement according to the product purchase of the product server and the user terminal; Storing the amount; And (c) performing a settlement on the purchase price according to a preset ratio with the management device and the product server. The method of claim 2, If the management device is a company server device, The management device provides a payment service, characterized in that for processing the cost of the purchase of the product in a manner subtracted from the salary of the terminal user. The method of claim 2, wherein step (a) And performing an authentication procedure of a terminal using the terminal unique identifier to transmit an authentication result including whether payment for a product purchase is possible to the product server. In the method by which the commodity server provides a payment service, (a) receiving an online product purchase request from a use terminal authenticated by a unique identifier; (b) storing purchase information including a purchase price of a product requested to be purchased from the user terminal and the unique identifier in order to perform a settlement according to the payment service providing server and the online product purchase at a predetermined time point; (c) generating a message including the unique identifier and the purchase price using the purchase information and transmitting the message to a payment service providing server; And (d) performing a settlement on the purchase amount according to a preset ratio with the payment service providing server that processed the payment for the product purchase from a management device that processes the payment according to the product purchase of the user terminal; How to provide payment service. The method of claim 5, The unique identifier is a payment service providing method characterized in that it comprises an IP (IP) address. In the payment service providing method in a management device coupled to a plurality of user terminals and a communication network, (a) receiving a message from a commodity server that receives an online purchase request signal from one of the use terminals, the message including a unique identifier of the use terminal and a purchase price of a product; (b) storing the unique identifier and the purchase price to perform a settlement according to a purchase price of the product and a payment service providing server at a predetermined time point; And (c) performing the settlement of the purchase price with the commodity server through the payment service providing server according to a predetermined criterion designated to be allocated to the payment service providing server and the management device by a part of the purchase amount. Method of providing a payment service comprising the steps. 8. The method of claim 7, wherein step (a) And checking whether the product is purchased from the terminal.

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