KR100871425B1 - Payment system - Google Patents

Abstract

The present invention relates to a payment system that can perform a payment business without having to replace the PSAM of the operator terminal to read it according to the type of smart card, the payment system according to an embodiment of the present invention,

A customer terminal equipped with a SIM card for storing payment information including user identification information and card number and an applet for transmitting payment information according to a payment information request signal; The carrier information applet and the payment security module (PSAM) applet for requesting payment information to the customer terminal according to the operator's command and reading the payment information and performing payment are stored in the SIM card. A service provider terminal storing a driving program controlling the driving of the security module applet; An applet is provided according to a request of a customer terminal, and a service providing server is provided for providing a provider information applet, a payment security module applet, and a driving program according to a request of an operator terminal.

Payment, SIM, PSAM, LSAM, Applet

Description

Payment system {PAYMENT SYSTEM}

1 is a schematic schematic diagram of a payment system according to an embodiment of the present invention;

FIG. 2 is a schematic block diagram of the customer terminal and the operator terminal shown in FIG.

3 is a flowchart schematically illustrating a process of performing a payment service by an operator terminal according to an exemplary embodiment of the present invention.

4 is a schematic diagram for explaining a process of executing a payment driving applet shown in FIG.

5 is a schematic block diagram of a customer terminal and a service provider terminal of a payment system according to another embodiment of the present invention.

6 is a flowchart schematically illustrating a process of performing a payment service by a service provider terminal according to another embodiment of the present invention.

The present invention relates to a payment system, and more particularly, to a payment system that can perform a payment business without having to replace the PSAM of the operator terminal to read it according to the type of smart card.

Electronic commerce, which has emerged due to the rapid development of information and communication technology, has created a demand for payment means by a new electronic method that improves the inconvenience of conventional currency or payment method, and thus the concept of electronic money and electronic payment system appeared. It was an opportunity to do it. Electronic money can be classified into network type electronic money and card type electronic money. Double card type electronic money can be implemented more securely through smart card, and payment through smart card is expanding.

In general, smart cards can be defined as' a card that can be applied to various credit cards, transportation cards, ID cards, etc. in addition to the basic general banking business through the built-in IC chip with a calculation function. Operators that issue such smart cards include A-Cash, K-Cash, Mondex, VisaCash, and Mybi. For example, many mobile terminal users use a SIM (Subscriber Identification Module) type card provided by the smart card issuing providers. Is installed in the card slot of the mobile communication terminal and used as a payment method.

 A SIM card is a kind of memory card that stores user's personal financial payment information and is used as a contactless electronic credit card, transportation card, or prepaid card, or expands various functions of a mobile communication terminal. For that purpose is gradually increasing its use. On the other hand, the various smart card issuing companies provide a PSAM (Purchase Secure Authentification Module) that can perform the payment business by reading the information of the smart card provided by each of the merchants (operator) terminal, the operator is a smart card of the customer There is a problem in that the PSAMs provided by the respective smart card issuing providers must be replaced one by one.

Accordingly, the present invention has been made to solve the problems of the prior art as described above, an object of the present invention is to perform a payment task without having to replace the PSAM of the operator terminal to read it according to the type of smart card To provide a payment system that can.

Another object of the present invention is to perform a payment business without having to replace the PSAM of the operator terminal to read it according to the type of smart card, as well as through coupons, points, cyber money, etc. provided by a predetermined operator The present invention provides a payment system capable of performing payment tasks.

Payment system according to an embodiment of the present invention for achieving the above object,

A customer terminal equipped with a SIM card for storing payment information including user identification information and card number and an applet for transmitting payment information according to a payment information request signal; The carrier information applet and the payment security module (PSAM) applet for requesting payment information to the customer terminal according to the operator's command and reading the payment information and performing payment are stored in the SIM card. A service provider terminal storing a driving program controlling the driving of the security module applet; It provides an applet according to the request of the customer terminal, characterized in that it comprises a service providing server for providing a service provider information applet, payment security module applet and a driving program according to the request of the operator terminal.

In addition, the payment security module applet provided by the service providing server, it is characterized in that the applet is provided with each PSAM integrated with the various smart card provider server at the request of the operator terminal.

Therefore, according to the characteristics of the present invention as described above, the operator can perform the payment task without having to replace the PSAM of the terminal that reads it according to the type of smart card.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a schematic schematic diagram of a payment system according to an embodiment of the present invention, Figure 2 is a schematic block diagram of a customer terminal and a service provider terminal shown in FIG.

Referring to the payment system according to an embodiment of the present invention, the customer terminal 100 first requests the service providing server 300 for the applet 153 which is an application for performing the payment service according to the present invention. This is received and stored in the SIM card 150. In addition, the operator terminal 200 also reads the operator information applet 263 in which the personal information of the operator, such as business registration information, is implemented in the form of an applet, and an application program that reads payment information transmitted from the customer terminal 100 to perform a payment task. A payment security module (PSAM) applet 265 and an application program for performing a payment service according to the present invention and a service driving server applet 251 for driving a business information applet 263 and a PSAM applet 265. 300) request and receive.

The operator who wants to perform a payment service through the customer terminal 100 equipped with the SIM card 150 drives the payment driving applet 251 of the operator terminal 200 to make a payment request amount and a payment request customer terminal 100. After inputting a payment method according to a phone number and a customer's intention, the operator terminal 200 is approached to the customer terminal 100 to request and receive payment information such as a card number from the customer terminal 100. When the payment information is received from the customer terminal 100, the PSAM applet 265 of the operator terminal 200 reads it, and the van interworks with various credit card company servers, bank servers 20, and various smart card service provider servers 30. (VAN: Value Added Network) is connected to the server (10) to perform a payment service.

On the other hand, the service providing server 300 is interlocked with various smart card issuing service provider server 30, such as A-Cash, K-Cash, Mondex, VisaCash, Mybi and the tax collection agency server 40, such as the National Tax Service, tax office, According to the request of the terminal 100 and the operator terminal 200, various application programs that must be provided to perform a payment service according to the present invention are provided. In addition, in conjunction with the bansa server 10 receives a variety of transaction approval results through the operator terminal 200 from the bansa server 10 and transmits to the tax collection agency server 40. Specifically, the service providing server 300, according to the request of the customer terminal 100, if there is a payment information request signal from the operator terminal 200, the applet for transmitting the payment information, such as card information to the operator terminal 200 ( 153). In addition, after requesting and registering the unique information of an individual such as a business registration certificate through the tax collection agency 40 at the request of the operator terminal 200, and provides it in the form of an applet (business information applet).

In addition, the service providing server 300 receives the PSAM provided by each of the above smart card provider server 30 at the request of the operator terminal 200 to provide an applet incorporating it, or the operator terminal 200 Only the PSAM provided by the requested smart card provider server 30 is provided in the form of an applet. That is, if the service providing server 300 requests to download all of the PSAMs provided by the various smart card issuing providers described above from the service provider terminal 200, the service providing server 300 receives each PSAM from the various smart card issuing service provider servers 30. Provided by integrating this provides a single integrated PSAM applet 265 to the operator terminal 200. In addition, if the service providing server 300 requests to download only the PSAM provided by the A-Cash smart card issuing service provider from the operator terminal 200, among the various smart card issuing service provider servers 30, the A-Cash smart card is provided. PSAM is provided only from the issuing provider server 30 and provided as an applet.

Hereinafter, the customer terminal 100 and the operator terminal 200 according to an embodiment of the present invention will be described in more detail.

The customer terminal 100 is input from the keypad 120 and the interface unit 110 for receiving the above-described applet 153 from the service providing server 300, various types of information input from the user. In addition to displaying the information according to the command of the controller 160, the display unit 130 for displaying the payment service progress status and the payment result and the operator terminal 200 to enable data communication with the operator terminal 200 The payment information request signal is transmitted and received and is implemented as a wireless communication unit 140 for interfacing the payment information and the approval result.

According to a characteristic aspect of the present invention, the customer terminal 100 is provided with a SIM card 150 that is integrally embedded in the terminal 100 or inserted into a card slot. The SIM card 150 includes user identification information such as a user's name and resident registration number, and a SIM card 150 such as identification information and a card number and an expiration date of the user in response to a request for payment information from the operator terminal 200 to be described later. There is provided a card memory 151 for storing the applet 153 to access the payment information including the information of), and to transmit to the operator terminal 200 through the wireless communication unit 140 under the control of the control unit 160. . More specifically, the SIM card 150 embedded in or mounted on the customer terminal 100 is a card provided by the above-mentioned various smart card issuing providers according to a customer's request. As described above, the identification information and the card number of the user are valid. Information such as an organization is stored and issued in the card memory 151.

The controller 160 controls the overall driving state of the customer terminal 100 based on control data stored in a memory (not shown). Specifically, the controller 160 stores the applet 153 in the card memory 151 of the SIM card 150 when the above-described applet 153 is downloaded from the service providing server 300 through the interface unit 110. When it is determined that the payment information request signal is received from the operator terminal 200 through the wireless communication unit 140, the applet 153 is driven to control the payment information to be transmitted to the operator terminal 200.

On the other hand, the operator terminal 200 and the operator information applet 263 is implemented in the form of applet information of the operator, such as business registration information or corporate business registration information from the service providing server 300 as described above in response to the request of the operator; , The PSAM applet 265, which is an application that reads the payment information transmitted from the customer terminal 100, and performs a payment task, and the application that performs the payment service of the present invention, and an enterprise information applet 263 and a PSAM applet 265. And an interface unit 210 for downloading the payment driving applet 251 for driving.

In addition, the operator terminal 200 may display a display unit 230 for displaying a payment request value input item, a telephone number input item and a payment method input item, etc., according to the driving of the payment driving applet 251, and a business operator. Data communication between the keypad 220 and the customer terminal 100 and the bansa server 10 to receive the information corresponding to the plurality of items from the user terminal 100 and the bansa server 10 to transmit and receive The wireless communication unit 240 for interfacing the payment information request signal, the payment information, the approval result, and the like, and the program controlling the entire operator terminal 200 are stored, as well as the payment driving applet described above under the control of the controller 270. And a memory 250 for storing 251.

According to a characteristic aspect of the present invention, the operator terminal 200 has a SIM card 260 mounted in a card slot. As described above, the SIM card 260 is provided with a provider information applet 263 provided from the service providing server 300 and a card memory 261 in which the PSAM applet 265 is stored. More specifically, the PSAM applet 265 stored in the card memory 261 may be a PSAM applet in which each PSAM provided by various smart card issuing providers is integrated as described above, and may be any one of a plurality of smart card issuing providers. It may be a PSAM applet provided by the smart card issuer. Therefore, all the SIM cards 150 provided by the smart card issuing service providers to the customer terminal 100 can be read through one SIM card 260 in which the integrated PSAM applet is stored. In addition, the operator stores the PSAM applets of the specific smart card issuing operators in the plurality of SIM cards 260, respectively, and replaces the SIM card 260 as necessary, thereby only the SIM card 150 issued by the specific smart card issuing companies. It can also be read.

The controller 270 controls the overall operator terminal 200, and a detailed description of the controller 270 will be described in detail with reference to FIGS. 3 and 4. 3 is a flowchart schematically illustrating a process of performing a payment service by a service provider terminal according to an embodiment of the present invention, and FIG. 4 is a schematic diagram for describing a process of executing a payment driving applet shown in FIG. 3.

First, when a payment service execution command is input from the operator through the keypad 220 (S100), the controller 270 drives the payment driving applet 251 stored in the memory 250 and drives the payment as shown in FIG. 4. The payment request amount input item, the telephone number input item of the customer terminal 100, and the payment means input item executed by the driving of the applet 251 are displayed on the display unit 230 (S110). On the other hand, the operator enters the items through the keypad 220 according to the customer's consent, the control unit 270 is determined to complete the input for the items from the operator via the keypad 220 (S120), The operator information applet 263 and the PSAM applet 265 stored in the SIM card 260 are driven according to the driving of the payment driving applet 251 (S130).

On the other hand, the operator when the input for the items displayed on the display unit 230 is completed, the terminal 200 to approach the customer terminal 100 to receive payment information, the control unit 270 is the customer terminal When it is determined that the data communication with the 100 is a possible distance, the wireless communication unit 240 transmits the payment information request signal. When the control unit 270 receives the payment information including the identification information such as the customer's name, resident registration number, etc., and the information of the SIM card 150 of the customer terminal 100, such as a card number and an expiration date, from the customer terminal 100 (S140). In operation S150, the received payment information is read according to the operation of the PSAM applet 265.

Thereafter, the control unit 270 receives the payment information read through the PSAM applet 265 and the payment request input by the service provider according to the information of the operator and the payment driving applet 251 driven by the operator information applet 263. A variety of information, such as the amount of money, the telephone number of the customer terminal 100 is transmitted to the bansa server 10 to perform a payment service (S160).

Therefore, according to the features of the present invention as described above, the operator can perform a payment task without having to replace the PSAM of the terminal 200 to read it according to the type of smart card.

Hereinafter, a payment system according to another embodiment of the present invention will be described with reference to FIGS. 5 and 6. 5 is a schematic block diagram of a customer terminal and a service provider terminal of a payment system according to another embodiment of the present invention, and FIG. 6 illustrates a process in which a service provider terminal performs a payment service according to another embodiment of the present invention. It is a schematic flowchart.

First, referring to FIG. 5, the customer terminal 100 according to another exemplary embodiment of the present invention basically includes the interface unit 110, the keypad 120, the display unit 130, the wireless communication unit 140, and the SIM card. 150, which is implemented as the controller 160, the SIM card 150 according to the characteristic aspect of the present embodiment includes a user's identification information such as a user's name, a social security number, a number of the SIM card 150, an expiration date, and the like. Areas in which payment information necessary for the same card payment is stored and areas in which information such as coupons, points, and cyber money provided by small businesses such as beauty salons, bakeries, and restaurants are stored are allocated, respectively.

More specifically, the card memory 151 of the SIM card 150 includes user identification information, a card number, an effective organization, etc., which are stored when the above-mentioned various smart card issuers provide the SIM card 150 at the request of the customer. A payment information storage unit 153 for storing payment information is provided. In addition, the card memory 151 is provided with a coupon / point storage unit 155 for storing information such as points, cyber money, etc., the coupon / point storage unit 155 is LSAM applet of the operator terminal 200 to be described later Information such as coupons or points or cyber money transmitted by 267 is stored for each small business.

That is, a small business operator requests a business registration to the service providing server 300 to provide coupons, points, cyber money, etc. to the user, and the service providing server 300 returns to the customer terminal 100 after the business registration is completed. Coupons, points, cyber money, etc. provided by the operator are requested to be stored in the customer terminal 100. When the request is received from the service providing server 300, the controller 160 allocates a predetermined data area to the coupon / point storage unit 155 of the card memory 151 based on a business name, for example, for example, the controller 160. When the coupon information is input from the operator terminal 200 named Company A, the coupon information is stored in a data area corresponding to Company A.

On the other hand, in the card memory 151 of the SIM card 150, the payment information including the identification information of the user and the information of the SIM card 150, such as the card number and expiration date, according to the payment information request from the operator terminal 200 The payment information storage unit 153, or coupons, points, cyber money, etc. information from the coupon / point storage unit 157 and under the control of the control unit 160, the operator terminal through the wireless communication unit 140 The applet 157 to transmit to 200 is also stored.

The operator terminal 200 according to another embodiment of the present invention basically has the interface unit 210, the keypad 220, the display unit 230, the wireless communication unit 240, the memory 250, and the SIM card as described above. 260 and the control unit 270, the SIM card 260 according to the characteristic aspect of the present embodiment stores the LSAM applet 267 provided from the service providing server 300 at the request of the operator. The LSAM applet 267 is an applet provided by the service providing server 300 according to the request of the operator terminal 200. The LSAM applet 267 provides a coupon number, a point, Information such as a cyber money amount may be provided to the user terminal 100. Hereinafter, detailed descriptions of the interface unit 210, the keypad 220, the display unit 230, the wireless communication unit 240, the memory 250, the business information applet 263, and the PSAM applet 265 are the same as described above. Will be omitted.

Referring to FIG. 6, when a command for executing a payment service is input from a provider through a keypad 220 (S100), the controller 270 of the operator terminal 200 according to the present exemplary embodiment may use a payment driving applet (stored in the memory 250). 251, and displays the payment request amount input item, the telephone number input item of the customer terminal 100 and the payment means input item executed according to the driving of the payment driving applet 251 through the display unit 230 ( S105). On the other hand, the operator enters the items through the keypad 220 according to the customer's consent, the payment means input item is to select the coupon / point deduction when the payment through the deduction of the coupon or points.

If it is determined that the input of the above items is completed from the operator through the keypad 220 (S110), the controller 270 determines whether the payment means selected from the operator is payment through a card or bank transfer or a coupon / point deduction. The authorization is determined (S115). If it is determined that the payment is made through a card or bank transfer, the controller 270 drives the operator information applet 263 and the PSAM applet 265 stored in the SIM card 260 according to the driving of the payment driving applet 251 (S120). ).

On the other hand, the operator when the input for the items displayed on the display unit 230 is completed, the terminal 200 to approach the customer terminal 100 to receive payment information, the control unit 270 is the customer terminal When it is determined that the data communication with the 100 is possible, the wireless communication unit 240 transmits the identification information such as the name and resident registration number of the customer and the SIM card 150 information such as the card number and expiration date to the customer terminal 100. Request payment information to include, and receives the payment information from the customer terminal 100 (S125). Thereafter, the controller 270 reads the received payment information according to the operation of the PSAM applet 265 (S130), and drives the payment information and the operator information applet 263 read through the PSAM applet 265. According to the operator's information and the operation of the payment driving applet 251 according to the various types of information such as the payment request amount, the phone number of the customer terminal 100, etc. entered by the operator to the bansa server 10 to perform a payment service (S135).

On the other hand, if it is determined in step S115 that the payment means selected by the operator is payment through coupon / point deduction, the PSAM applet 265 stored in the SIM card 260 according to the driving of the payment driving applet 251. Only drive (S140). On the other hand, the operator when the input for the items displayed on the display unit 230 is completed, the terminal 200 to approach the customer terminal 100 to receive payment information, the control unit 270 is the customer terminal When it is determined that the data communication with the 100 is a possible distance, the wireless communication unit 240 requests payment information such as a coupon number, a deductible point amount or cyber money, to the customer terminal 100, and from the customer terminal 100. The payment information is received (S145). Thereafter, the controller 270 reads payment information such as the received coupon or points or cyber money and subtracts the coupon or points according to the driving of the PSAM applet 265 (S150 and S155).

According to the characteristics of the present invention as described above there is an advantage that can perform a payment task without having to replace the PSAM of the operator terminal to read it according to the type of smart card.

In addition, according to the type of smart card can be used to perform the payment business without having to replace the PSAM of the operator terminal to read it, as well as to perform the payment business through coupons, points, cyber money, etc. provided by the predetermined operator. There are advantages to it.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (9)

A customer terminal equipped with a subscriber identification module (SIM) card configured to store payment information including user identification information and card information and an applet for transmitting the payment information according to a request for payment information; A Business Information Applet and a Purchase Secure Authentification Module (PSAM) applet, which reads the payment information from the customer terminal upon request of the business operator and performs payment, is stored in the SIM card. A service provider terminal storing an information applet and a payment driving applet for driving the payment security module applet; A service providing server providing the applet according to the request of the customer terminal and providing the operator information applet, a payment security module applet, and a payment driving applet according to a request of the operator terminal; Including; The payment security module applet provided by the service providing server is: According to the request of the operator terminal, payment system, characterized in that the applet provided with each PSAM integrated with the various smart card provider server integrated. delete delete The service provider applet of claim 1, wherein the service provider provides: Payment system, characterized in that the business license information or corporate business registration information information applet provided at the request of the business terminal. An area for storing payment information including user identification information and card information and an area for storing coupon / point information are respectively allocated, and an applet for transmitting the payment information or coupon / point information is stored according to a payment information request signal. A customer terminal equipped with a subscriber identification module (SIM) card; A service information applet, a Load Secure Authentification Module (LSAM) applet which transmits the coupon / point information to the customer terminal when the coupon / point information is input, and requests payment information to the customer terminal according to the operator's command. Upon receipt of the information or coupon / point information, a Purchase Secure Authentification Module (PSAM) applet is stored in the SIM card to read the payment information and the coupon / point information. The service information applet, the charge security module applet, and the payment security module applet are stored. A service provider terminal storing a payment driving program for controlling driving; A service providing server providing the applet according to the request of the customer terminal and providing the service provider information applet, a charging security module applet, a payment security module applet, and a payment driving program according to a request of the operator terminal; Including; The payment security module applet provided by the service providing server is: According to the request of the operator terminal, payment system, characterized in that the applet provided with each PSAM integrated with the various smart card provider server integrated. delete delete The payment security module applet of claim 5, wherein the service provider terminal comprises: If the payment information received from the customer terminal is coupon / point information payment system, characterized in that to perform the payment business through the coupon / point deduction. The service provider applet provided by the service providing server is: Payment system, characterized in that the business license information or corporate business registration information information applet provided at the request of the business terminal.

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