KR101278318B1 - Method for Processing Settlement by Settlement Ways's Application inside Memory Card and Memory Card, Recording Medium - Google Patents

Abstract

The present invention relates to a payment processing method and system according to the setting of a payment method in a memory card and a recording medium therefor. In the payment processing method is executed by, when the usage information and payment information is received from the payment terminal, check the payment means corresponding to the received usage information of the one or more payment means stored for each use in the memory card, Request output of a payment authentication information input interface for using the identified payment means to a wireless terminal, receive payment authentication information input through the interface from the wireless terminal, and process authentication for using the payment means; When the authentication for the payment method is processed, the use Generating a payment method, information and requests payment authorization specialized billing information based on the corresponding information, and includes requesting the settlement processing so as to transmit the generated payment authorization request to the card company specialized server through the wireless station.

Memory card, payment

Description

Payment processing method and memory card and recording medium for setting payment method according to payment method in memory card {Method for Processing Settlement by Settlement Ways's application inside Memory Card and Memory Card, Recording Medium}

FIG. 1 is a diagram illustrating a place of use registration processing system for setting a place of use for each payment means information stored in a memory card according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a procedure for setting a use place for each payment means information stored in a memory card according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a procedure for setting a use place for each payment means information stored in a memory card according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a card payment system configuration through a payment means stored in a memory card according to an embodiment of the present invention.

5 is a diagram illustrating a functional configuration of a payment terminal having a memory card payment mode according to an embodiment of the present invention.

6 is a diagram illustrating a functional configuration of a memory card for providing a financial transaction service between terminals using payment means information stored in a memory according to an embodiment of the present invention.

7 is a diagram illustrating a process of providing a card payment service through a payment means stored in a memory card according to an embodiment of the present invention.

8 is a diagram illustrating a process of providing a card payment service through a payment means stored in a memory card according to another embodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

100: use registration processing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information transmission unit

130: information storage unit 135: storage medium

140: financial institution server 145: client terminal

150: customer terminal

The present invention is to provide a plurality of payment means in the memory card, and to selectively operate / manage the payment means according to the situation to manage the scale of money, and to effectively utilize a variety of payment means.

According to the development of information and communication technology, payment methods are installed in various places, and thus people use them conveniently.

However, when a medium to be stored for each payment method is required, this is not much different from using multiple cards as needed, and it is very inconvenient for the customer.

According to the present invention, there is provided a method and system having a variety of payment means in the memory card, and selectively operating the payment means according to the user and to conveniently operate and utilize a variety of payment means and a recording medium therefor. have.

The payment processing method according to the setting of each payment means in the memory card according to the present invention is connected to a payment terminal provided in an affiliated store and a short-range wireless communication, and the payment processing method executed by a memory card mounted and used in a customer wireless terminal. When the usage information and payment information is received from the payment terminal, checking the payment means corresponding to the received usage information of the one or more payment means stored for each use in the memory card and the confirmed payment to the wireless terminal Requesting an output of a payment authentication information input interface for using a means, receiving payment authentication information input through the interface from the wireless terminal, processing authentication for using the payment means, and using the payment means If authentication is processed, a decision corresponding to the usage information is made. Generating a payment approval request text based on the means information and payment information, and requesting payment processing by transmitting the generated payment approval request text to a card company server through the wireless terminal. .

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On the other hand, it characterized in that it comprises a computer-readable recording medium recording a program for executing a payment processing method according to the setting of the use destination for each payment means in the memory card.

In the memory card according to the present invention, a memory card mounted on a wireless terminal of a customer includes means for receiving usage information and payment information through short-range wireless communication from a payment terminal provided at an affiliated store, and payment stored for each usage location in the memory card. A means for confirming a payment means corresponding to the received usage information of the means and requesting the wireless terminal to output a payment authentication information input interface for using the identified payment means, and inputted through the interface from the wireless terminal. Receiving payment authentication information and means for processing authentication for use of the payment means and upon completion of authentication for payment authentication information, generating a full payment approval request based on payment means information and payment information corresponding to the usage information; The card company through the wireless terminal to generate the full payment approval request And it characterized by comprising: means for requesting the settlement processing to forward to.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be made based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram showing a usage registration processing system for setting a usage destination for each payment means information stored in a memory card according to an embodiment of the present invention.

In more detail, FIG. 1 shows that when a predetermined client terminal 145 accesses a server on a payment system through a predetermined network means and provides usage registration request information for setting a usage destination for each payment means information stored in the memory card. A server registration processing system for transmitting and storing the usage registration request information provided from the client terminal 145 from the server to the customer terminal 150 equipped with a memory card, which is stored in the memory card, the present invention belongs to Persons having ordinary skill in the art will be able to infer various implementation methods for the usage registration processing system configuration for setting a usage place for each payment means information stored in the memory card by referring to and / or modifying the present invention. The invention encompasses all of the inferred methods of implementation and is shown in FIG. It shall be limited to city ways.

Hereinafter, at least one or more locations for transmitting usage registration request information provided from the client terminal 145 to the customer terminal 150 equipped with a memory card on the usage registration processing system shown in FIG. Components corresponding to the means and / or functional configurations are referred to as " use registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a usage registration processing system for setting a usage destination for each payment means information stored in a memory card according to the present invention may include at least one client terminal 145 connected to a predetermined network means. And a storage medium 135 for storing usage registration request information transmitted from the client terminal 145, a customer terminal 150 equipped with a memory card, and the client terminal 145 through predetermined network means. And a usage registration server 100 which receives the usage registration information transmitted through the network means and transmits it to the customer terminal 150 to store in the memory card.

The client terminal 145 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very High- and at least one wired terminal including a desktop computer and / or a laptop connected to the point-of-use registration server 100 via a data rate Digital Subscriber Line) and / or a cable communication network, and / or CDMA A mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, and And / or at least one wireless terminal including at least one WLAN terminal connected to an IEEE 802.11x based WLAN network. The client terminal 145 outputs at least one usage registration registration interface screen provided by the usage registration server 100, and inputs at least one information through the usage registration registration interface screen. And / or a function configuration (eg, a browser program and a communication function) for selecting and transmitting the selected destination server 100 to the destination.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 145 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the client terminal 145 is a wired terminal, the network means preferably includes the wired communication network based on the TCP / IP or UPD / IP.

According to another embodiment of the present invention, when the client terminal 145 is a wireless terminal, the network means includes a CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / Or it is preferably made by including at least one or more IEEE 802.11x based wireless LAN communication network.

The customer terminal 150 is a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or an IEEE 802.16x based ultra high speed radio. And at least one wireless terminal including at least one portable internet terminal connected to the internet, and / or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network. ) Is preferably provided with a functional configuration for receiving the usage registration request information provided by the usage registration processing server 100 and storing it on the memory card provided in the customer terminal 150.

The storage medium 135 provided on the payment system according to the present invention includes a user registration request including at least one customer information transmitted from the client terminal 145, payment means information, and usage information for each payment means. It is characterized by storing the information.

The customer information includes personal information (eg, customer name, resident registration number, address, phone number, email address, mobile phone number, etc.) for the customer requesting to set a use place for each payment means information stored in the memory card through the client terminal 145. And at least one member information (e.g., member ID information given by the customer as a member to use the usage registration system).

The payment means information corresponds to at least one payment means used by the customer, and can be stored in the memory card, and the payment means type for processing the payment according to the setting of the use of each payment means when paying using the memory card (eg, Each piece of information corresponding to a credit card payment method, debit card payment method, check card payment method, bank transfer payment method, mobile phone micropayment payment method, etc. (e.g., card information corresponding to credit card / debit card / check card or financial account) Corresponding account information or a mobile phone number corresponding to the mobile phone micropayment means).

According to the exemplary embodiment of the present invention, when the payment means is a credit card payment means, it is preferable that the payment means comprises at least one of card number information and expiration date information on the credit card. It may also comprise one or more payment password information and CVC (Card Verification Code) information for credit card payment.

According to another embodiment of the present invention, when the payment means is a check card (or debit card) payment means, it is preferable to include the card number information for the check card (or debit card).

According to another exemplary embodiment of the present invention, when the payment means is a wire transfer payment means, at least financial institution information, account number, account alias, etc., in which a financial account is opened for a financial account for processing the bank transfer payment, may be used. It is preferable to include one or more.

According to another exemplary embodiment of the present invention, when the payment means is a mobile phone micropayment means, it is preferable to include at least one or more mobile phone number information for processing the mobile phone micropayment.

Usage information for each payment means may include at least one or more usage names, usage telephone numbers, usage addresses, etc. for the designated usage (that is, affiliated stores) for the payment means, according to the intention and purpose of those skilled in the art. It may be made by further including the terminal information provided in the destination (that is, affiliated stores).

According to the method of the present invention, the usage registration server 100 is provided with the client terminal 145 through the network means to provide a web interface corresponding to the client terminal 145 and the network means. And an interface unit 105 (or interface means) for connecting and managing a communication channel, whereby the destination registration processing server 100 is connected to the client terminal 145 with a wired communication network and / or wirelessly. It has the function of a web server that is connected through a communication network.

According to an embodiment of the present invention, when the client terminal 145 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 105 is the client terminal 145. And a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, and a user registration request interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 145 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen, and receiving and processing predetermined usage registration request information input (or selected) through the usage registration registration interface screen from the client terminal 145. Do.

According to another exemplary embodiment of the present invention, when the client terminal 145 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the client terminal 145 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol (MO) and / or Mobile Explorer (ME) protocol, and use the WML (Wireless Markup Language) and / or HTML compatible document form to the client terminal 145 through the communication channel. It is preferable to perform a function of transmitting and outputting a registration request interface screen and / or an information providing screen and receiving and processing predetermined usage destination registration request information corresponding to the usage destination registration request interface screen from the client terminal 145.

According to another exemplary embodiment of the present invention, when the client terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the client terminal 145. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined usage registration request interface screen and / or information providing screen to the client terminal 145 through the communication channel. And receiving and processing predetermined usage registration request information corresponding to the usage registration request interface screen from the client terminal 145, and / or the client terminal 145 is based on IEEE 802.11x. When the communication channel is connected through a wireless communication network of the wireless terminal, the interface unit 105 is the client Connection between the client terminal 145 and a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and a predetermined usage registration request interface screen and / or information to the client terminal 145 through the communication channel. It is preferable to perform a function of transmitting and outputting a provision screen, and receiving and processing a predetermined usage destination registration request information corresponding to the usage destination registration request interface screen from the client terminal 145.

Referring to FIG. 1, when the predetermined client terminal 145 accesses the usage registration server 100 through the interface unit 105, the usage registration server 100 is connected with the interface unit 105. Interface providing unit 110 (or extracted) to provide (or extract) a predetermined user registration request interface screen for the client terminal 145 to input (or select) and transmit the predetermined user registration request information. Interface providing means) and the information receiving unit 115 which receives the usage registration request information inputted (or selected) and transmitted from the client terminal 145 through the usage registration request interface screen in cooperation with the interface unit 105. (Or information receiving means) and an information storage unit 130 (or information storage means) for storing the received usage registration request information on the storage medium 135; The comparison made is characterized.

The interface providing unit 110 has a functional configuration (eg, provided in the client terminal 145 when a predetermined client terminal 145 is connected to the usage registration server 100 through the interface unit 105). A predetermined usage registration request interface capable of inputting (or selecting) predetermined usage registration request information in response to a browser program included in the client terminal 145 and transmitting to the usage registration server 100 through the network means; A screen for generating a screen, and / or extracting from a predetermined database (not shown), and interworking with the interface unit 105, displays the generated usage register request interface screen through the network means. 145) characterized in that provided.

Thereafter, the client terminal 145 inputs (or selects) predetermined use registration information based on the use registration screen of the use registration interface, and when it is confirmed that the use registration information is input (or selected), The client terminal 145 transmits the input (or selected) usage registration information to the usage registration server 100 through the network means.

Those skilled in the art to which the present invention belongs, input the user registration request information (or at least one form form included in the user registration request interface screen on the client terminal 145 (or And the technical feature of transmitting the input (or selected) usage registration request information to the usage registration server 100 through a communication protocol provided by the network means. Detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) predetermined use registration information from the client terminal 145 through the use registration screen to interface with the interface unit 105 and transmits it through the network means. And receiving the usage registration information by interworking, and providing the received usage registration information to the information storage unit 130.

The information storage unit 130 stores the usage registration request information received through the information receiving unit 115 in the storage medium 135.

The customer information includes personal information (eg, customer name, resident registration number, address, phone number, email address, mobile phone number, etc.) for the customer requesting to set a use place for each payment means information stored in the memory card through the client terminal 145. And at least one member information (e.g., member ID information given by the customer as a member to use the usage registration system).

The payment means information corresponds to at least one payment means used by the customer, and can be stored in the memory card, and the payment means type for processing the payment according to the setting of the use of each payment means when paying using the memory card (eg, Each piece of information corresponding to a credit card payment method, debit card payment method, check card payment method, bank transfer payment method, mobile phone micropayment payment method, etc. (e.g., card information corresponding to credit card / debit card / check card or financial account) Corresponding account information or a mobile phone number corresponding to the mobile phone micropayment means).

According to the exemplary embodiment of the present invention, when the payment means is a credit card payment means, it is preferable that the payment means comprises at least one of card number information and expiration date information on the credit card. It may be made by including one or more payment password information and CVC (Card Verification Code) information for credit card payment.

According to another embodiment of the present invention, when the payment means is a check card (or debit card) payment means, it is preferable to include the card number information for the check card (or debit card).

According to another exemplary embodiment of the present invention, when the payment means is a wire transfer payment means, at least financial institution information, account number, account alias, etc., in which a financial account is opened for a financial account for processing the bank transfer payment, may be used. It is preferable to include one or more.

According to another exemplary embodiment of the present invention, when the payment means is a mobile phone micropayment means, it is preferable to include at least one or more mobile phone number information for processing the mobile phone micropayment.

Usage information for each payment means preferably comprises at least one or more of the name of the use of the specified place of use (that is, merchants), the phone number, the address of the use of the payment means.

Referring to FIG. 1, when the user location registration processing server 100 receives the user location registration request information transmitted from the client terminal 145, a validity verification unit which checks the validity of the received location registration request information. (120) (or validity confirming means), and the information transmission unit for processing to be stored in the memory card provided in the customer terminal 150 by transmitting the validity of the registration registration request information to the customer terminal 150 ( 125) (or information transmission means).

The validity confirming unit 120 checks the validity of the customer information included in the received user registration request information, payment means information, and usage information of the payment means.

According to an exemplary embodiment of the present invention, the validity check of the received usage registration request information may include: usage information for each payment means information stored in a memory card through the payment system among customer information included in the received usage registration information; And confirming whether or not it is a customer for providing a payment service according to the setting (that is, checking whether it matches with the member information stored in the member D / B provided in the payment system), and registering the received use place. It is desirable to verify the validity of the request information.

In addition, the validity check of the received usage registration request information, the payment means information of the information contained in the received usage registration request information to the payment means provided on the financial institution server 140 associated with the payment system; It is preferable to check the validity of the received usage registration information by checking whether it matches the corresponding ledger information.

In addition, the validity check on the received usage registration request information, the merchant information stored in the merchant management D / B (not shown) the usage information of the information contained in the received usage registration request information is provided in the payment system; It is preferable to check the validity of the received usage registration information by checking whether a match is found.

When the validity of the received usage registration request information is confirmed through the validity confirmation unit 120, the information transmission unit 125 transmits the usage registration request information to the customer terminal 150 to the customer terminal ( Through 150 to process to be stored on the memory card provided in the customer terminal 150.

If the memory card and the communication function is provided on the client terminal 145, the information transmitter 125 transmits the usage registration information to the memory card provided in the customer terminal 150. It is characterized in that the processing to be stored on the memory card provided in the customer terminal (150).

FIG. 2 is a diagram illustrating a procedure for setting a use place for each payment means information stored in a memory card according to an embodiment of the present invention.

In more detail, in FIG. 2, the client terminal 145 on the point-of-use registration processing system shown in FIG. 1 uses the predetermined network means to set the point-of-use setting for each payment means information stored in the memory card to the point of use registration server 100. When the user registration request information is transmitted, the user registration processing server 100 stores the user registration request information on a storage medium 135. Specifically, the user registration processing server 100 uses the memory card. It is for the process of transmitting the usage registration request information to the customer terminal 150 is provided, and the customer terminal 150 stores the received usage registration information in the memory card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for an information registration process for setting a user for each payment means information stored in a memory card. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following Figure 2, the usage registration processing server 100 on the usage registration processing system shown in Figure 1 will be referred to as "server" for convenience.

Referring to FIG. 2, the client terminal 145 on the point-of-use registration processing system shown in FIG. 1 connects to the server through the network means and connects a communication channel for setting a place of use for each payment means information stored in a memory card. (200).

According to an embodiment of the present invention, the communication channel connection process may include at least one of logging in to the server from the client terminal 145 and / or joining the server to the server at the client terminal 145. It is preferable to further include, in the process, the customer information corresponding to the client terminal 145 is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the client terminal 145 is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means You will be familiar with the technical features for connecting the communication channel for setting the use of each payment means information stored in the memory card, a detailed description thereof will be omitted for convenience.

As described above, when the communication channel for setting the use destination for each payment means information stored in the memory card is connected between the client terminal 145 and the server, the client terminal 145 connects the memory card to the server through the communication channel. Request a user registration request interface screen for setting the usage location for each payment means information (205), and correspondingly, the server requests a user interface for inputting (or selecting) the usage registration request information from the client terminal (145). A usage point registration request interface screen including a generated (or extracted) is generated (210), and the generated (or extracted) usage point registration request interface screen is transmitted to the client terminal 145 through the communication channel (215).

Thereafter, the client terminal 145 processes the usage registration information to be input (or selected) through the user interface included in the usage registration request interface screen for input (or selection) of the usage registration information ( 220).

If the user terminal registration request information is input (or selected) from the client terminal 145 (225), the client terminal 145 transmits the user registration registration information to the server through the communication channel (230). In response, the server verifies the validity of the received usage registration information (235).

According to an exemplary embodiment of the present invention, the validity check of the received usage registration request information may include: usage information for each payment means information stored in a memory card through the payment system among customer information included in the received usage registration information; By setting a, and confirming whether or not the customer to provide a payment service according to the setting (that is, whether it matches the member information stored in the member D / B provided in the payment system), It is desirable to verify the validity of the registration request information.

In addition, the validity check of the received usage registration request information, the payment means information of the information contained in the received usage registration request information to the payment means provided on the financial institution server 140 associated with the payment system; It is preferable to check the validity of the received usage registration information by checking whether it matches the corresponding ledger information.

In addition, the validity check on the received usage registration request information, the merchant information stored in the merchant management D / B (not shown) the usage information of the information contained in the received usage registration request information is provided in the payment system; It is preferable to check the validity of the received usage registration information by checking whether a match is found.

If the validity of the received usage registration request information is not confirmed (240), the server generates (or extracts) validation error information of the received usage registration information to the client terminal 145. The data is processed to be transmitted and output (245), and the process of receiving the received user location registration request information is terminated.

On the other hand, when the validity of the received usage registration request information is confirmed (240), the server transmits the received usage registration information to the customer terminal 150 (250), and correspondingly the customer terminal ( 150 transmits the received usage registration request information to a memory card provided in the customer terminal 150 and processes the received usage registration information to be stored on the memory card (255).

FIG. 3 is a diagram illustrating a procedure for setting a use place for each payment means information stored in a memory card according to another exemplary embodiment of the present invention.

In more detail, in FIG. 3, the client terminal 145 on the usage registration processing system shown in FIG. 1 is configured to set the usage setting for each payment means information stored in a memory card to the usage registration processing server 100 through a predetermined network means. When the user registration request information is transmitted, the user registration processing server 100 stores the user registration request information on a storage medium 135. Specifically, the user registration processing server 100 transmits the client information. The present invention relates to a process of re-transmitting usage registration request information to the terminal 145, and transmitting the received registration information to the memory card through short-range wireless communication to the memory card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to infer various implementation methods for an information registration process for setting a user for each payment means information stored in a memory card. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following Figure 3, the usage registration processing server 100 on the usage registration processing system shown in Figure 1 will be referred to as "server" for convenience.

Referring to FIG. 3, the client terminal 145 on the point-of-use registration processing system shown in FIG. 1 connects to the server via the network means and connects a communication channel for setting the point of use for each payment means information stored in a memory card. (300).

According to an embodiment of the present invention, the communication channel connection process may include at least one of logging in to the server from the client terminal 145 and / or joining the server to the server at the client terminal 145. It is preferable to further include, in the process, the customer information corresponding to the client terminal 145 is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the client terminal 145 is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means You will be familiar with the technical features for connecting the communication channel for setting the use of each payment means information stored in the memory card, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for setting the use destination for each payment means information stored in the memory card is connected between the client terminal 145 and the server, the client terminal 145 is stored in the memory card to the server through the communication channel. Request a user registration request interface screen for setting a user for each payment method information (305), and correspondingly, the server includes a user interface for inputting (or selecting) the user registration request information from the client terminal 145. The usage point registration request interface screen is generated (or extracted) 310, and the generated (or extracted) usage point registration request interface screen is transmitted to the client terminal 145 through the communication channel (315).

Thereafter, the client terminal 145 processes the usage registration information to be input (or selected) through the user interface included in the usage registration request interface screen for input (or selection) of the usage registration information ( 320).

If the user terminal registration request information is input (or selected) from the client terminal 145 (325), the client terminal 145 transmits the user registration registration information to the server through the communication channel (330). In response, the server checks the validity of the received usage registration information (335).

According to an exemplary embodiment of the present invention, the validity check of the received usage registration request information may include: usage information for each payment means information stored in a memory card through the payment system among customer information included in the received usage registration information; And confirming whether or not it is a customer for providing a payment service according to the setting (that is, checking whether it matches with the member information stored in the member D / B provided in the payment system), and registering the received use place. It is desirable to verify the validity of the request information.

In addition, the validity check of the received usage registration request information, the payment means information of the information contained in the received usage registration request information to the payment means provided on the financial institution server 140 associated with the payment system; It is preferable to check the validity of the received usage registration information by checking whether it matches the corresponding ledger information.

In addition, the validity check on the received usage registration request information, the merchant information stored in the affiliated store management D / B (not shown) provided with the usage information of the information contained in the received usage registration request information in the payment system; It is preferable to check the validity of the received usage registration information by checking whether a match is found.

If the validity of the received usage registration request information is not confirmed (340), the server generates (or extracts) validation error information on the received usage registration request information to the client terminal 145. The transmission and output process is performed (345), and the process for the received usage registration information is terminated.

On the other hand, if the validity of the received usage registration information is confirmed (340), the server transmits the received usage registration information to the client terminal 145 (350), and correspondingly the client terminal ( In operation 355, the received location registration request information is transmitted to the memory card through a short range communication channel and stored in the memory card.

4 is a diagram illustrating a card payment system configuration through a payment means stored in a memory card 460 according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a card payment system that provides a payment service through setting a user for each payment information stored in the memory card 460 when a payment process is performed through a predetermined affiliate store using a payment means stored in the memory card 460. For those of ordinary skill in the art to which the present invention pertains, various implementations of offline card payment system configuration through payment means stored in the memory card 460 by referring to and / or modifying the drawing 4 The method may be inferred, but the present invention comprises all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to use a payment method other than a card such as a credit card / check card / debit card (for example, a wire transfer payment). It is possible to easily infer an implementation method using a means), but the present invention is not limited thereto.

Referring to FIG. 4, an offline card payment system through a payment means stored in the memory card 460 includes a payment terminal 465 provided at a predetermined offline affiliated store and payment for the payment means stored in the memory card 460. It is characterized in that it comprises a card company server 400 for authorization processing and a communication network (eg, Value Added Network (VAN)) connecting the payment terminal 465 and the card company server 400.

In FIG. 4, the card company server 400 including at least one card company server 400 on the offline card payment system through the payment means stored in the memory card 460 is illustrated as one server. If only one embodiment for effectively explaining the technical features, various functional components constituting the card company server 400 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited No.

The payment terminal 465 on the offline card payment system comprises at least one of a credit authorization terminal (CAT) and / or a point of sales (POS) terminal having a payment function. Read at least one or more card information stored in the memory card 460 from a wireless terminal 455 having a memory card 460 adjacent to the payment terminal 465 received through a function, and a predetermined key input device. After inputting a payment amount, etc., the payment approval request message including the card information, the payment amount, and the merchant information is generated and transmitted to the card company server 400 through the communication network (eg, a value added communication network (VAN)). Characterized in that.

In addition, the card company server 400 on the offline card payment system, characterized in that it comprises at least one server provided in the card company to process the payment approval for the payment means stored in the memory card 460 and After receiving the payment approval request text including the card information, the payment amount, and the merchant information from the payment terminal 465, the payment approval request message included in the payment approval request message is stored in the memory card 460. Characterized in that the settlement amount payment processing.

In addition, the communication network connecting the payment terminal 465 and the card company server 400 in the offline card payment system, at least one or more between the payment terminal 465 and the card company server 400 based on at least one backbone network It characterized in that it comprises at least one bansa server (not shown) and wired and wireless communication network for relaying payment-related full text.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal 465 and the technical features of the conventional card company server 400 and connecting the payment terminal 465 and the card company server 400 Since you will be familiar with the technical features of the communication network, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the card company server 400 corresponds to customer information that issues payment means stored in the memory card 460 and payment means stored in the memory card 460 issued to the customer. A predetermined card information D / B 445 for storing and processing card information, card attribute information, and card limit information corresponding to a payment means stored in the memory card 460, or the card information D / It is preferable to interwork with a predetermined DBMS operating B 445 or to a DB server (not shown) provided with the card information D / B 445.

The customer information, personal information (eg, customer name, social security number, address, wireless terminal 455) information (or mobile number) of the customer who has been issued the payment means stored in the memory card 460 through the card issuing system, mail Address) and at least one member information (for example, member ID information) of the customer.

Preferably, the card information includes a predetermined card number corresponding to a payment means stored in the memory card 460 issued to the customer through a card issuing system. The card issuing institution information (for example, a card issuing institution) Number (or code)) and card type information (e.g., card identification number (or code)) and expiration date information (some may be omitted) for the payment means stored in the memory card 460.

According to the exemplary embodiment of the present invention, the card information may be matched with predetermined payment means information corresponding to the payment means stored in the memory card 460, and the payment means may be a credit card payment means or a check card payment means. It is preferable that the payment method comprises at least one of a debit card payment means and a prepaid card payment means.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for payment means stored in the memory card 460 issued to the customer through a card issuing system, and the memory card 460. And at least one royalty attribute including a mileage accrual policy for the payment means stored in the storage device and at least one additional service property associated with the payment method stored in the memory card 460.

The card limit information is stored in the memory card 460 according to a payment means characteristic corresponding to a payment means stored in the memory card 460, and / or a payment attribute of a payment means stored in the memory card 460. It is preferable to include information for confirming the limit amount for payment approval for the payment amount using the means.

According to an exemplary embodiment of the present invention, when the payment means corresponding to the payment means stored in the memory card 460 includes a credit card payment means (or postpaid payment attribute), the card limit information may be stored in the memory card ( It is preferable that the predetermined credit limit amount information for the payment means stored in 460 is included.

According to another exemplary embodiment of the present invention, a payment method corresponding to a payment method stored in the memory card 460 includes a check card / debit card payment method (or a debit payment attribute associated with an account) associated with a predetermined account. In this case, the card limit information may include predetermined account information (or account balance information) associated with a payment means stored in the memory card 460.

According to another embodiment of the present invention, when the payment means corresponding to the payment means stored in the memory card 460 comprises a prepaid card payment means (or prepaid payment attribute), the card limit information is the memory It is preferable that the predetermined amount of charge information pre-charged in the payment means stored in the card 460 is included.

Referring to FIG. 4, the card company server 400 may communicate with at least one payment terminal 465 through a communication network including at least one value-added communication network (VAN) and / or a financial common network. Payment approval including at least one interface unit 405 (or interface means) for connecting and managing a channel, and at least one card information, payment amount and merchant information from the payment terminal 465 in association with the interface unit 405 A professional receiving unit 410 (or a professional receiving unit) for receiving a request message, and a specialty for transmitting a payment approval result text corresponding to the payment approval request message to the payment terminal 465 in association with the interface unit 405. It is characterized by comprising a transmission unit 415 (or specialized transmission means).

The payment terminal 465 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. 410 is characterized in that for receiving the full payment approval request in conjunction with the interface unit 405.

If the payment approval procedure corresponding to the payment approval request message is completed in the card company server 400 and a payment approval result message including a predetermined payment processing history is generated, the specialized transmission unit 415 may be configured as the interface unit ( In operation 405, the payment approval result information may be transmitted to the payment terminal 465.

Those skilled in the art to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network and / or financial common network. Detailed description is omitted for convenience.

Referring to FIG. 4, the card company server 400 receives the full payment approval request message including the card information, the payment amount, and the merchant information from the payment terminal 465 through the information receiving unit. A card information checking unit 420 (or card information checking means) for checking whether the card information included in the approval request text is matched with the card information issued through the card issuing system, and the card information included in the payment approval request text. Is matched with the card information provided in the card information D / B 445, the memory card is compared with the card limit information associated with the card information and the payment amount in association with the card information D / B 445. A payment approval processing unit 425 (or payment approval processing means) for processing the payment approval of the payment amount through the payment means stored in 460, and a predetermined payment error corresponding to the payment approval processing; And an information generation unit 430 (or information generating means) for generating predetermined payment processing history information including a payment processing result including any one of payment approval information and predetermined payment approval information among the payment processing results. And an information storage unit 435 (or information storage means) for storing the predetermined transaction history information, which is obtained by classifying the payment processing history including the date and time, in the predetermined transaction history D / B 450. The generated payment processing history information is transmitted to the payment terminal 465 through the specialized transmission unit 415.

When the payment approval request message including the card information, payment amount, and merchant information is received from the payment terminal 465 through the information receiving unit, the card information verification unit 420 is received from the payment terminal 465. Characterized in that the card information included in the full payment approval request is matched with the card information issued through the card issuing system.

According to an embodiment of the present invention, the card information checking unit 420 uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 445. By doing so, it is preferable to check whether the card information included in the full payment approval request is card information issued through a card issuing system.

If the card information included in the payment approval request text is matched with the card information provided in the card information D / B 445, the payment approval processing unit 425 may check the card information from the card information D / B 445. Check the card limit information for the payment means stored in the memory card 460 stored in association with the card information, and compares the confirmed card limit information and the payment amount to the payment means stored in the memory card 460 It is characterized in that for approving the payment processing through the payment amount.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a credit card payment means (or postpaid payment attribute), the payment approval processing unit 425 is the card information D / B Confirming predetermined credit limit amount information stored in association with the card information from 445, and comparing the confirmed credit limit amount information with the settlement amount, and through the payment means stored in the memory card 460; Characterized in that the payment approval for the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The payment approval processing unit 425 checks predetermined account information stored in association with the card information from the card information D / B 445 and connects the account balance with a predetermined financial system in which the account is opened. After confirming, by comparing the confirmed account balance with the payment amount, payment approval for the payment amount is processed through a payment means stored in the memory card 460.

If the account balance information stored in association with the card information is directly stored in the card information D / B 445, the payment approval processing unit 425 is configured to store the card information from the card information D / B 445. After confirming the account balance stored in association with each other, and comparing the confirmed account balance with the payment amount, payment approval for the payment amount may be processed through a payment means stored in the memory card 460.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the payment approval processing unit 425 is the card information D Checks predetermined charge amount information stored in association with the card information from / B 445 and compares the confirmed charge amount information with the payment amount, thereby performing payment through the payment means stored in the memory card 460. Characterized in that the payment approval for the payment amount.

The payment approval processing unit 425 processes predetermined payment error information (for example, payment error code) or payment approval information in the process of processing payment approval for the payment amount through the payment means stored in the memory card 460. For example, the payment processing result including any one of the payment approval number) may be generated.

When the payment approval processing unit 425 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 430 may generate predetermined payment processing history information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 415 may be connected to the interface unit 405. The predetermined payment approval result including the payment processing history information is characterized in that it is transmitted to the payment terminal 465 through the communication network.

When the predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 425, the information storage unit 435 performs the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 450. It is characterized by storing.

5 is a diagram showing the functional configuration of a payment terminal 500 having a memory card payment mode according to an embodiment of the present invention.

More specifically, Figure 5 relates to an embodiment of a payment terminal 500 having a memory card payment mode for a payment service using a memory card provided in a customer mobile phone, the general knowledge in the art to which the present invention pertains. If the person having the above, it will be able to infer the configuration of the various payment terminal 500 function for the payment service using the memory card provided in the customer's mobile phone by referring to and / or modifying the figure 5, but the technical features of the present invention It is to be understood that the present invention is not intended to be limited to FIG. 5 but includes all inferred implementation methods.

For example, those skilled in the art to which the present invention pertains may request a payment server 590 to provide a payment service using a memory card provided in a customer's mobile phone by referring to and / or modifying the drawing 5. Although a method of transmitting information and a method of transmitting a full text are shown and described in one drawing, it is possible to implement a method by each method separately, and the present invention is not limited thereto.

In addition, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer an implementation method for all wireless terminals capable of mounting a memory card instead of a customer mobile phone. Thereby, this invention is not limited.

Referring to FIG. 5, a payment terminal 500 having a memory card payment mode for a payment service using a memory card provided in a customer mobile phone basically includes a control unit 505, a memory unit 550, and a card reader unit 510. ), A key input unit 520, a screen output unit 515, a communication processing unit 530, a security application module 535, a print output unit 540, and a power supply unit 525 for supplying power to the payment terminal 500. ), And includes one or more terminal function units (not shown) according to the intention of those skilled in the art.

The control unit 505 controls the overall operation of the payment terminal 500 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on the payment information stored in the memory card provided in the customer's mobile phone. And interworking and controlling at least one component provided in the payment terminal 500, and executing at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register and / or random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and performing software-specific functions of the payment terminal 500. A predetermined program routine (Rout) which is loaded from the predetermined recording medium into the execution memory for processing by the processor ine) and / or a predetermined program recorded on a recording medium provided in the payment terminal 500 for payment processing based on payment information stored in a memory card included in the customer's mobile phone, and / or program data. Or a component capable of being processed by software among the functional components provided in the payment terminal 500 is shown in the control unit 505).

According to the exemplary embodiment of the present invention, the control unit 505 outputs the components (eg, the memory unit 550, the card reader unit 510, the key input unit 520, and the screen) provided in the payment terminal 500. The payment terminal 500 interoperates with the communication unit 515, the communication processing unit 530, the security application module 535, the print output unit 540, and / or the terminal function unit (not shown) according to the intention of the person skilled in the art. By controlling and managing the provision of the electronic payment service defined in the) as well as interworking the components provided in the payment terminal 500 for the payment service using the memory card provided in the customer mobile phone according to the present invention It is preferable to execute a program recorded on a recording medium provided in the payment terminal 500 for the control and / or payment service using the memory card provided in the customer mobile phone.

The memory unit 550 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal 500 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and the program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 505 to perform a predetermined control function ) Is stored.

According to the exemplary embodiment of the present invention, the memory unit 550 performs payment according to a request of a customer, and stores merchant information on an affiliated store equipped with the payment terminal 500 and the payment through the payment terminal 500. It is preferable to store the processed payment history information.

In addition, the memory unit 550 may correspond to the product code information (eg, barcode information or RFID tag information) for at least one or more products sold by the merchant equipped with the payment terminal 500 and the product code. It is desirable to further store product information.

The customer receiving payment service using the memory card provided in the customer mobile phone according to the present invention through the payment terminal 500, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, and / or ISO / IEC Have (or own) a contact IC card (or wireless IC chip) based on the 7816 standard and / or at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader 510 may provide an interface for reading at least one or more information or data included in the card.

According to the method of the present invention, the card reader unit 510 is an MS reader unit providing an interface between the MS card and the payment terminal 500, and / or the contact IC card and the payment terminal 500. It includes a contact IC reader unit for providing an interface, and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal 500.

The MS reader unit is a card reader unit 510 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the payment terminal 500 from at least one or more tracks provided in the MS of the MS card by using the loaded.

The contact IC reader unit is a card reader unit 510 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the payment terminal 500.

The contactless IC reader unit is a card reader unit 510 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal 500.

According to an embodiment of the present invention, the card reader unit 510 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 510 for the electronic payment service defined in the payment terminal 500. A payment card information corresponding to a payment method including at least one credit card, a check card, a debit card, a cash card, and a financial account), and a memory card provided in a customer mobile phone according to the present invention. It is preferable to read predetermined card information from at least one or more cards for the used payment service.

According to an embodiment of the present invention, the card information preferably comprises at least one of a card number, an expiration date information, and CVC (Card Verification Code) information.

The key input unit 520 is provided with at least one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Information n or B is detected from the key input device of the control unit 505 and n is controlled by the control unit 505 in the specific input mode and / or operation mode of the payment terminal 500. If the predetermined information (or B) ut input n is provided from the provided key button, the input n generates a key event corresponding to the information (or B), and the generated key event is sent to the controller 505. The control unit 505 may be configured to acquire predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal 500, and / or the key event. To execute a defined function The key input unit 520 and the key input device including at least one key button interoperate with each other to perform a function of a key input unit provided in the payment terminal 500. do.

The key input device interoperating with the key input unit 520 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 520 may provide key data (eg, payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal 500. It is preferable to perform the function of the key input means for receiving a), and also to use the memory card provided in the customer mobile phone from the key input device for the payment service using the memory card provided in the customer mobile phone according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the payment service providing process.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 520 may be configured in the customer mobile phone according to the present invention in an initial mode and / or a general payment mode of the operation mode of the payment terminal 500. It is desirable to have a key button for switching to a memory card payment mode for a payment service using a memory card.

The screen output unit 515 is a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit 505 while the payment terminal 500 performs a predetermined function (for example, an electronic payment processing function) And at least one or more information or data which is predefined or defined in real time to be output to a predetermined display output device including a Ray Tube) through a predefined interface screen, wherein the screen output unit 515 And the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal 500.

Predefined information or data to be output from the payment terminal 500 to the screen output device may include key data input through the key input unit 520 and / or components provided in the payment terminal 500. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 530, and / or (or data) corresponding to a predetermined operation result performed by the payment terminal 500. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 515 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal 500 It is preferable to perform the function of the output means, and also to the payment service using the memory card provided in the customer mobile phone to the screen output device for the payment service using the memory card provided in the customer mobile phone according to the present invention. It is preferable to perform the function of the screen output means for outputting the processing screen.

The communication processing unit 530 is a payment server that is connected through a payment network (for example, Value Added Network (VAN)) in the process of the payment terminal 500 performs a predetermined function (for example, electronic payment processing function) ( 590 and / or a terminal (or device) connected to the payment terminal 500 through a predetermined cable and / or a terminal (or device) connected to the payment terminal 500 through predetermined short-range wireless communication. It provides a predetermined communication means for connecting the session, a network communication unit for connecting a predetermined communication channel with the payment server 590 on the wired or wireless network, and / or a predetermined terminal via a predetermined cable communication port (Or a device) a cable communication unit for connecting a communication session, and / or a predetermined short distance communication terminal (or device) device through a at least one or more short range wireless communication means. It comprises a short-range wireless communication unit for connecting the connection, and comprises a communication protocol and / or driver for connecting the communication channel (or communication session) in software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a payment server 590 on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and to allow the payment terminal 500 to be connected to a predetermined wired / wireless network in hardware. It comprises a modem (Modem) or a network interface card (NIC), and comprises a communication protocol and / or driver for connecting the payment terminal 500 to the wired and wireless network in software.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the infrared communication, RF communication, Bluetooth, wireless LAN, WiFi, UWB It comprises a predetermined short-range wireless communication module for short-range wireless communication including a, and comprises a communication protocol and / or driver for the short-range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (535) is a confidentiality and / or authentication required by the payment terminal 500 in the process of performing the electronic payment and / or electronic payment using the card. Security requirements, including integrity and / or nonrepudiation, etc., within the payment terminal 500 without using an authentication server (or payment server 590) on the payment network. As a safety device for performing a reliable and reliable structure, a predetermined message (information or data) processed in the process of the payment terminal 500 performing a predetermined security request function (for example, electronic payment and / or electronic payment function). ) Encrypts or decrypts, adds an authenticator that prevents forgery (or tampering) of the message, or provides important information in the process of performing the security request function. It characterized in that it performs the function of Chapter.

In general, the security application module 535 is preferably composed of a predetermined security application module 535 inserter and a security application module 535 chip, the security application module 535 chip is a chip containing at least 8 bits or more CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or higher It is preferable to comprise a.

In addition, the security application module 535 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the payment terminal 500 to perform a predetermined security request function ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit 540 may process the payment terminal 500 to perform a predetermined function (for example, an electronic payment processing function) and / or predetermined information or data generated as a result (for example, payment processing result information or Data) to a predetermined printing device 545 (for example, a receipt printer), and to print the print information or data through the predetermined printing device 545 according to a predefined printing form. It consists of a printing protocol and a driver.

Referring to Figure 5, the payment terminal 500 is a memory provided with the operation mode of the payment terminal 500 in order to provide a payment service using a memory card provided in the customer mobile phone according to the present invention A mode checking unit 555 for checking whether the memory card payment mode corresponds to a payment service using a card; and if the operation mode of the payment terminal 500 is the memory card payment mode, the key input unit 520. An information input unit 560 for inputting payment information for a payment service using a memory card provided in the customer mobile phone from a predetermined key input means, and transmitting the input payment information to a memory card provided in the customer mobile phone; Payment approval information from the payment request unit 565 for requesting payment and the payment server 590 processing the transmitted payment information through the communication processing unit 530. And a payment processing unit 570 which outputs the payment processing details included in the received payment approval information through the screen output unit 515 and / or prints the output through the print output unit 540. Characterized in that made.

The mode checking unit 555 periodically performs an operation mode of the payment terminal 500 corresponding to a payment service using a memory card provided in the customer mobile phone (in response to the memory card payment mode switch key event). It is characterized by checking whether the memory card payment mode.

If the check result is that the operation mode of the payment terminal 500 is not the memory card payment mode, the payment terminal 500 performs a conventional electronic payment processing function.

On the other hand, when the operation mode of the payment terminal 500 is confirmed as the memory card payment mode, the payment terminal 500 outputs the memory card payment mode check result via the screen output unit 515 (of May be omitted depending on intent and purpose).

The information input unit 560 from the predetermined key input means through the key input unit 520 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Characterized in that the payment information for the payment service using the memory card provided in the customer mobile phone, the input payment information is provided to the payment request unit 565.

In addition, the information input unit 560 is a barcode reader unit provided in the payment terminal 500 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone ( Bar code information (or RFID tag information) for a product for a payment service using a memory card included in the customer's mobile phone is input from an omitted figure (or an RFID reader unit (not illustrated)), and the input barcode (or RFID) is input. Payment information may be generated based on product information corresponding to the tag information).

In addition, the information input unit 560 is a predetermined key input means through the key input unit 520 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Wireless terminal information for the customer mobile phone may be further inputted from.

The payment request unit 565 may request payment by transmitting the payment information input through the information input unit 560 to a memory card provided in the customer mobile phone.

Here, when transmitting payment information to the memory card provided in the customer mobile phone, it is preferable to transmit through the short-range wireless communication provided in the communication processing unit 530.

According to an embodiment of the present invention, the payment request unit 565 transmits the payment information to the memory card provided in the customer mobile phone, and the payment information received from the memory card and the payment means provided in the memory card. The payment approval request information is generated based on the information and is transmitted to the payment server 590. In response, the payment server 590 is provided in the customer mobile phone through the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using a card, a payment processing history corresponding to one of payment approval details or payment error details corresponding to the payment processing result is generated, and the payment processing details Generate predetermined payment approval information including a transfer to a memory card provided in the customer mobile phone, the memory card Standing and transmits it to the billing terminal 500.

According to another embodiment of the present invention, the payment request unit 565 transmits the payment information to the memory card provided in the customer mobile phone, the payment information received from the memory card and the payment means stored in the memory card Generate payment approval request information based on the information and transmit it to the payment terminal 500, and transmits from the payment terminal 500 to the payment server 590 through the communication processing unit 530. In response, the payment server 590 performs a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer mobile phone through the payment approval request information, and then performs a payment corresponding to the payment processing result. Generate a payment processing history corresponding to either an approval history or a payment error history and define a predetermined payment approval including the payment processing history. By generating and transmitting to the billing terminal 500.

According to another embodiment of the present invention, through the payment request unit 565 to transmit the payment information to the memory card provided in the customer mobile phone, for the payment processing for the payment information received from the memory card Extract payment method information and transmit it to the payment terminal 500, and generate payment approval request information based on the payment method information and the payment information received from the payment terminal 500, the generated payment approval request And transmitting the information to the memory card so that the memory card transmits the payment approval request information to the payment server 590. In response, the payment server 590 transmits the information to the memory card through the payment approval request information. After performing a predetermined payment processing procedure for providing a payment service using a memory card provided in the mobile phone, the result corresponding to the payment processing result is determined. Create a payment processing history corresponding to any of the approval history or payment error history, and generates predetermined payment approval information including the payment processing history and transmits it to the memory card provided in the customer mobile phone, and from the memory card Transmission to the payment terminal 500.

According to another embodiment of the present invention, the payment request unit 565 transmits the payment information to the memory card provided in the customer mobile phone, the payment for payment processing for the received payment information from the memory card Extract the means information and transmit it to the payment terminal 500, the payment terminal 500 generates payment approval request information based on the received payment means information and the payment information through the communication processing unit 530 Characterized in that the transmission to the payment server 590, corresponding to the payment server 590 predetermined payment processing for providing a payment service using the memory card provided in the customer mobile phone through the payment approval request information After performing the procedure, the payment processing history corresponding to any of the payment approval details or payment error details corresponding to the payment processing result is generated. And it transmits it to the billing terminal 500 generates a predetermined payment authorization information including the payment processing history.

After the payment approval request information is transmitted to the payment server 590 through the payment request unit 565, the payment processing unit 570 receives the payment from the payment server 590 through the communication processing unit 530. Periodically (or in response to an information receiving event of the communication processing unit 530), payment approval information including payment processing details corresponding to the approval request information is received.

If payment approval information including payment processing details corresponding to the payment approval request information is received through the communication processing unit 530, the payment processing unit 570 may include a payment processing history (eg, included in the payment approval information). Payment approval details, or payment error details) is output through the screen output unit 515, and / or print output through the print output unit 540, thereby providing the customer mobile phone The electronic payment procedure for the payment service using the memory card is completed.

Referring to Figure 5, the payment terminal 500 is a memory provided with the operation mode of the payment terminal 500 in order to provide a payment service using a memory card provided in the customer mobile phone according to the present invention A mode checking unit 555 for checking whether the memory card payment mode corresponds to a payment service using a card; and if the operation mode of the payment terminal 500 is the memory card payment mode, the key input unit 520. Input payment information for a payment service using a memory card provided in the customer's mobile phone through a predetermined key input means, request and receive the payment means information stored in the memory card provided in the customer's mobile phone, and then input the information. Payment approval request including at least one information input unit 560, and payment information and payment means information input through the information input unit 560 A full text generation unit 575 for generating a statement, a full text transmission unit 580 for transmitting the generated payment approval request full text to a payment server 590 on a payment network through the communication processing unit 530, and the communication processing unit Receive a payment approval message including a payment processing history corresponding to the payment approval request full text from the payment server 590 on the payment network on the payment network through 530, and outputs the payment processing details included in the payment approval text. It is characterized in that it comprises a specialized processing unit 585 for outputting the screen output through the unit 515, and / or through the print output unit 540.

The mode checking unit 555 periodically performs an operation mode of the payment terminal 500 corresponding to a payment service using a memory card provided in the customer mobile phone (in response to the memory card payment mode switch key event). It is characterized by checking whether the memory card payment mode.

If the check result is that the operation mode of the payment terminal 500 is not the memory card payment mode, the payment terminal 500 performs a conventional electronic payment processing function, while the operation mode of the payment terminal 500 is When the memory card payment mode is confirmed, the mode confirmation unit 555 outputs the memory card payment mode confirmation result through the screen output unit 515 and then provides the information input unit 560 to the information input unit 560.

The information input unit 560 is a memory card provided in the customer mobile phone through the communication processing unit 530 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Characterized in that the predetermined payment means information for payment service for the payment service using the memory card provided in the customer cell phone from the input, the input payment means information is provided to the full text generation unit 575.

In addition, the information input unit 560 is a predetermined key input means through the key input unit 520 to process the electronic payment corresponding to the memory card payment mode for the payment service using the memory card provided in the customer mobile phone Characterized in that to input the payment information for the payment service using the memory card provided in the customer mobile phone, the input payment information is provided to the full text generation unit 575.

The full text generation unit 575 generates a full payment approval request message including at least one of the payment information and the payment means information input through the information input unit 560, and the generated payment approval request full text It provides to the professional transmission unit 580.

The specialized transmission unit 580 is characterized in that for transmitting the payment approval request full text generated by the professional generation unit 575 to the payment server 590 on the payment network through the communication processing unit 530, In response, the payment server 590 performs a predetermined payment processing procedure for providing a payment service using a memory card provided in the customer mobile phone through the payment approval request message, and then corresponds to the payment processing result. A payment processing history corresponding to one of payment approval details or payment error details is generated, and a predetermined payment approval text including the payment processing details is generated and transmitted to the payment terminal 500 through the payment network.

After the payment approval request message is transmitted to the payment server 590 through the specialized transmission unit 580, the special processing unit 585 transmits the payment server 590 on the payment network through the communication processing unit 530. Periodically (or in response to a full text reception event of the communication processing unit 530), a payment approval text including a payment processing history corresponding to the full text of the payment approval request is received from the check.

If the payment approval message including the payment processing details corresponding to the payment approval request message is received through the communication processing unit 530, the expert processing unit 585 may include the payment processing details (eg, included in the payment approval message). Payment approval details, or payment error details) is output through the screen output unit 515, and / or print output through the print output unit 540, thereby providing the customer mobile phone The electronic payment procedure for the payment service using the memory card is completed.

FIG. 6 is a diagram illustrating a functional configuration of a memory card 600 providing a financial transaction service between terminals using payment means information stored on a memory according to an embodiment of the present invention.

In more detail, FIG. 6 is a view illustrating an embodiment of a memory card 600 having a memory card payment mode for providing a financial transaction service between terminals using payment means information stored on a memory. Those skilled in the art will be able to infer various functional configurations of the memory card 600 for providing a financial transaction service between terminals using payment means information stored in the memory by referring to and / or modifying the present invention. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to provide a terminal-to-terminal financial transaction service using payment means information stored in a memory. Although a method of transmitting payment approval request information and a method of generating and transmitting a payment approval request full text are shown and described in one drawing, the present invention is not limited thereto and only one method may be provided. have.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6, in addition to the SD (Secure Digital) memory card 600, the MiniSD memory card 600, MicroSD (T- Applicable to all memory cards 600, such as Flash) memory card (600), MMC memory card (600), Compact Flash (CF) memory card (600), Memory Stick, and eXtreme Digital (XD) memory card (600). It is possible, and the invention is not limited thereby.

Referring to FIG. 6, a memory card 600 having a memory card payment mode for an inter-terminal financial transaction service using payment means information stored in a memory basically includes a control unit 610, a memory unit 685, and a communication processing unit. 660, a security application module 675, and a memory access control unit 680, and at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 610 controls the overall operation of the memory card 600 in the functional configuration, manages the flow of information or data between each component, and performs payment processing based on payment information stored in the memory card provided in the customer's mobile phone. And interoperating and controlling at least one component provided in the memory card 600, and at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and hardware. And a bus for inputting and outputting an execution memory (for example, a register and / or random access memory (RAM)) and predetermined data, and software-specific M (Ra). A predetermined program routine that is loaded from a predetermined recording medium into the execution memory for execution and is processed by the processor. A predetermined program recorded on a recording medium provided in the memory card 600 for payment processing based on payment information stored in the memory card provided in the customer's mobile phone, And / or a component capable of being processed by software among the functional components included in the memory card 600, which is provided in the controller 610).

According to an exemplary embodiment of the present invention, the controller 610 may access a component (eg, the memory unit 685, the communication processor 660, the security application module 675, and the memory access provided in the memory card 600). Controlling and managing the electronic payment service defined in the memory card 600 by interworking a control beam and / or a terminal function unit (not shown) according to the intention and purpose of the person skilled in the art, as well as the present invention, The terminal using the payment means information stored in the memory, and / or control the components provided in the memory card 600 for inter-financial transaction service using the payment means information stored on the memory It is preferable to execute a program recorded on a recording medium provided in the memory card 600 for the inter-financial transaction service.

The memory unit 685 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the memory card 600 is performed. General term of non-volatile memory for storing information or data), and includes at least one or more storage means including hardware electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM), Predetermined program routines and program data (eg, data input or outputted to perform a predetermined function by the program routine) required for the control unit 610 to perform a predetermined control function are stored.

According to an embodiment of the present invention, the memory unit 685 may include at least one payment means information for providing a payment service using the memory card 600 and a memory for the memory card 600 according to a request of a customer. Card 600 information, merchant information (or merchant terminal information) to be set when a target merchant is to be specified when providing a payment service using the memory card 600, and usage conditions corresponding to a specified usage condition for each payment method It is preferable that the information and at least one device information for limiting the device on which the memory is mounted.

The memory unit 685 may further store deactivation setting information for the stored payment means.

The communication processor 660 is a terminal (or device) connected to the memory card 600 through a predetermined short range wireless communication while the memory card 600 performs a predetermined function (for example, an electronic payment processing function). ) And a predetermined wireless communication processing unit 670 for connecting a communication session, and a wired communication processing unit 665 for connecting a communication channel for the device on which the memory card 600 is mounted.

The wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), WLAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (675) is a confidentiality and / or authentication required by the memory card 600 to perform electronic payment and / or electronic payment using the card. And / or secure and reliable architecture within the memory card 600 without using an authentication server (or server) on a payment network, including security requirements, including integrity and / or nonrepudiation, etc. As a safety device for performing the operation, the memory card 600 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). It adds an authenticator that decrypts, prevents forgery (or tampering) of the message, or extracts important information important in performing the security request function. It is characterized by performing a function of storing.

In general, the security application module 675 is preferably composed of a predetermined security application module 675 inserter and the security application module 675 chip, the security application module 675 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) having a performance of 2 MIPS or more. It is preferable to comprise a.

In addition, the security application module 675 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) required for the memory card 600 to perform a predetermined security request function. ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocessing / cancellation command).

The print output unit prescribes predetermined information or data (e.g., payment processing result information or data) generated as a result of the memory card 600 performing a predetermined function (e.g., an electronic payment processing function) and / or as a result. And a printing protocol and a driver for printing the print information or data through a predetermined printing device in accordance with a predefined printing form.

Referring to Figure 6, the memory card 600, the authentication confirmation to request and confirm the authentication for the payment service to provide a financial transaction service between terminals using the payment means information stored in the memory according to the present invention It is characterized by comprising a portion 615.

Authentication request and confirmation for the payment service according to an embodiment of the present invention, the program request for the authentication information input (or selection) to the terminal equipped with the memory card 600, and the drive in the terminal After receiving the authentication information input (or selected) through the program, it is preferable to check the authentication of the received authentication information.

Authentication request and confirmation for the payment service according to another embodiment of the present invention, a program capable of inputting (or selecting) authentication information through an operation of the terminal equipped with the memory card, and through the driven program It is preferable to check the authentication of the authentication information by receiving authentication information input (or selected).

Referring to FIG. 6, the memory card 600 includes an information confirming unit 620 for confirming payment means information stored on the memory unit 685, and a terminal providing the confirmed payment means information and payment information. An information generation unit 625 for generating payment approval request information based on the received payment information, and the payment approval request information generated through the communication processing unit 660 through a terminal equipped with the memory card 600. And a payment processing unit 630 which receives the payment approval result information and completes a payment process when the server which has received the payment approval request information is transmitted to a server and the server which has received the payment approval request information is transmitted. It is characterized by comprising.

The information confirming unit 620 confirms payment means information stored on the memory unit 685, and the confirmed payment means information is provided to the information generating unit 625.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 685, in order to check the payment means information stored on the secure memory area, in conjunction with the memory access control unit 680 It is advisable to follow a separate memory approach.

The information generation unit 625 generates payment approval request information based on the payment information received from the terminal providing the payment information and the confirmed payment means information, and the payment approval request information generated Is provided to the payment processing unit 630.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The payment processing unit 630 transmits the payment approval request information generated by the information generation unit 625 to the server on the payment network through the communication processing unit 660, the server correspondingly After performing a predetermined payment processing procedure for providing a financial transaction service between terminals using payment means information stored in the memory through the payment approval request information, payment approval details or payment error details corresponding to the payment processing result. Generate payment processing details corresponding to any one of the above, and generate predetermined payment approval result information including the payment processing details and transmit them to the memory card 600 through the payment network.

After the payment approval request information is transmitted to the server through the payment processing unit 630, the payment processing unit 630 receives payment corresponding to the payment approval request information from a server on the network through the communication processing unit 660. Periodically (or in response to the information receiving event of the communication processing unit 660) whether the payment approval result information including the processing history is received.

If payment approval result information including payment processing details corresponding to the payment approval request information is received through the communication processing unit 660, the payment processing unit 630 includes the payment processing details included in the payment approval result information ( For example, it is preferable to store payment approval details or payment error details) on the memory unit 685 or through an output device provided in the terminal on which the memory card 600 is mounted.

Referring to FIG. 6, the memory card 600 includes an information confirming unit 620 for confirming payment means information stored on the memory unit 685, and a terminal providing the confirmed payment means information and payment information. A full text generation unit 640 for generating a full text of a payment approval request based on the received payment information, a full text transmission unit for transmitting the generated full text of a payment approval request to a server on a network through the communication processing unit 660; It is characterized in that it comprises a specialized processing unit 645 for receiving a payment approval result full text including a payment processing history corresponding to the payment approval request full text from the server on the network through the communication processing unit 660 to complete the payment processing. do.

The information confirming unit 620 confirms payment means information stored on the memory unit 685, and the confirmed payment means information is provided to the information generating unit 625.

Here, the payment means information is preferably stored on the secure memory area on the memory unit 685, in order to check the payment means information stored on the secure memory area, in conjunction with the memory access control unit 680 It is advisable to follow a separate memory approach.

The full text generation unit 640 generates a full text of the payment approval request request including at least one payment information received from the terminal providing the payment information and the confirmed payment means information, and the generated payment The full text of the request for approval is provided to the specialized transmission unit.

Here, the payment information received from the terminal providing the payment information is preferably received from the terminal through short-range wireless communication.

The specialized transmission unit transmits the payment approval request message generated by the specialty generation unit 640 to a server on a network through the communication processing unit 660. In response, the server requests the payment approval request. After performing a predetermined payment processing procedure for providing a financial transaction service between terminals using the payment means information stored in the memory through a full text message, the payment approval details or payment error details corresponding to the payment processing result are performed. Generates a corresponding payment processing history, generates a predetermined payment approval result text including the payment processing history and transmits it to the memory card 600 through the network.

After the payment approval request message is transmitted to the server through the specialty transmission unit, the expert processing unit 645 transmits a payment processing history corresponding to the payment approval request message from the server on the payment network through the communication processing unit 660. Periodically (or in response to the full text reception event of the communication processing unit 660) is received whether the payment approval result including a.

If the payment approval message including the payment processing history corresponding to the payment approval request message is received through the communication processing unit 660, the expert processing unit 645 may include the payment processing details included in the payment approval message (for example, Payment approval details, or payment error details) is preferably stored on the memory unit 685, or output through the output device provided in the terminal equipped with the memory card 600.

Referring to FIG. 6, the memory card 600 communicates with an adjacent payee memory card 600 in association with the communication processor 660 to confirm payee account information, and the payment stored on the memory 685. Information confirmation unit 620 for confirming the account information, the payee account information and the payer account information, the transfer amount information provided by the terminal equipped with the memory card 600, and the transfer processing to the payee account; An information generation unit 625 for generating financial transaction request information including authentication information for transmitting the information, and transmitting the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 600. The memory 650 and a server on the network process a financial transaction corresponding to the financial transaction request information, and generate financial transaction result information corresponding to the memory. When de transferred to the memory card 600, 600 is through a mounting terminal, characterized in that eojineun achieved by an information reception section 655 for receiving the financial transaction result information.

The information checking unit 620 receives the payee account information provided in the payee memory card 600 from the payee memory card 600 adjacent to the memory card 600, and the payment stored on the memory unit 685. It is characterized in that the check account information, the confirmed payee account information and payer account information is provided to the information generation unit 625.

Here, the payer account information is preferably stored in a secure memory area on the memory unit 685, and in order to confirm the payer account information stored on the secure memory area, It is desirable to check in accordance with a separate memory approach in conjunction.

In addition, it is preferable to include a step of confirming the authentication for providing the payee account information at the terminal side provided with the memory card 600 for transmitting the payee account information.

In addition, the transfer amount information can be further provided from the memory card 600 of the addressee side, thereby the present invention is not limited.

The information generation unit 625, when the confirmed payee account information, the payer account information and the transfer amount information is confirmed, further checks the authentication information for the transfer process based on this to generate a financial transaction request information, characterized in that The generated financial transaction request information is provided to the information transmitter 650.

According to an embodiment of the present invention, the authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction. Characterized in that it comprises at least one password corresponding to the payer financial account, or a password corresponding to the financial transaction.

In addition, the authentication information further comprises at least one or more security code information provided on the security card provided to the customer in the process of opening the payer financial account, and / or OTP (One Tome Password) generator provided to the customer It is preferably made further comprising an OTP code generated through.

The information transmitter 650 transmits the generated financial transaction request information to a server on a network through a terminal equipped with the memory card 600.

The server receiving the financial transaction request information processes a financial transaction corresponding to the financial transaction request information, generates financial transaction result information corresponding thereto, and generates a memory card through a terminal equipped with the memory card 600. When transmitting to 600, the information receiving unit 655 is characterized in that for receiving the financial transaction result information.

Referring to FIG. 6, when the unique information (or merchant information) of the terminal is received from the terminal requesting payment using a payment means provided in the memory card 600, the received memory card 600 is received. And an information checking unit 620 for confirming payment means information corresponding to the unique information (or affiliated store information), and it is preferable to process the checked payment means to be used in the payment processing process.

According to an embodiment of the present invention, the payment means information confirmation corresponding to the received unique information (or affiliated store information) is information that matches the received unique information (or affiliated store information) in association with the memory unit 685. Check and check the stored payment means information in connection with the identified unique information (or merchant information).

If the payment means information for the unique information (or merchant information) is confirmed, it is preferable to process the confirmed payment means to be used in the payment processing process.

That is, after processing the payment means identified from the plurality of payment means provided in the memory card 600 to be activated, and processing to be deactivated again when the payment processing is completed through the activated payment means It is preferable.

Here, in addition to confirming the payment means corresponding to the unique information (or merchant information), the payment means may be processed according to the payment information, and the present invention is not limited thereto.

For example, if the payment amount is less than 10,000, debit card payment means, if more than 10,000 credit card payment means to be used, or transportation charges are applied to the credit card payment means is applied to the general payment process to use the debit card payment means. It is possible.

If a request for changing / canceling / deleting payment means for each stored unique information (or affiliated store information) is received, it is possible to change / cancel / delete based on this, and thus the present invention is not limited thereto.

7 is a diagram illustrating a process of providing a card payment service through a payment means stored in a memory card 793 according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a process of providing a payment service through setting a use place for each payment information stored in the memory card 793 during a payment processing through a predetermined affiliate store using a payment means stored in the memory card 793. As one having ordinary skill in the art to which the present invention pertains, various implementations of a process of providing a card payment service through a payment means stored in the memory card 793 by referring to and / or modifying the drawing 7 The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 7 to provide a part of a process of providing a payment service through setting a use place for each payment information stored in the memory card 793. It is possible to infer an implementation method of omission or modification of the order, and the present invention is not limited thereto.

Referring to FIG. 7, the payment terminal 790 illustrated in FIG. 4 may input (or select) payment information through an interface for inputting (or selecting) payment information output on the screen of the payment terminal 790. (700), confirm the usage information corresponding to the input (or selected) payment terminal 790 (710), and establishes short-range wireless communication based on the confirmed usage information and the input (or selected) payment information. Through the payment terminal 790 and the adjacent memory card 793 is transmitted (715).

Here, the usage information is affiliated store information corresponding to the affiliated store provided with the payment terminal 790, terminal identification information (or terminal unique information) corresponding to the payment terminal 790, or corresponds to the payment information. It is preferable that the information is in accordance with the amount of money.

Thereafter, the memory card 793 receives the usage information and the payment information transmitted from the payment terminal 790 and checks the payment means information corresponding to the received usage information (720).

If the payment means information corresponding to the received usage information is confirmed (725), the memory card 793 requests to drive the VM to the wireless terminal 795 equipped with the memory card 793, the VM The payment information to be output through the transmission and request authentication for payment processing through the payment means (730), and correspondingly the wireless terminal 795 equipped with the memory card 793 is the memory card 793 In response to the request of the VM, the VM is output, the payment information provided by the memory card 793 is output, and then authentication information for payment processing for the output payment information is requested (735).

If authentication information for payment processing for the output payment information is input (or selected) (740), the wireless terminal 795 is input to the memory card 793 mounted to the wireless terminal 795 (Or the selected) transmits the authentication information (745), and correspondingly, the memory card 793 receives the authentication information transmitted from the wireless terminal 795 and confirms the authentication of the received authentication information ( 750).

If it is confirmed whether authentication of the authentication information input (or selected) through the wireless terminal 795 is transmitted (755), the memory card 793 receives the received authentication information, payment information, and usage information. Generate (or extract) the full payment approval request text based on the payment means information corresponding to (760), and transmits the generated (or extracted) payment approval request text to the card company server (797) (765).

Thereafter, the card company server 797 receives the full text of the payment approval request, and the card information included in the received full text of the payment approval request is issued through a card issuing system, and the card information stored in the card information D / B and the like. The card company server 797 checks the limit amount for the payment means stored in the memory card 793 based on the card limit information associated with the card information from the card information D / B. The card company server 797 performs a payment approval procedure for processing the payment amount using the payment means stored in the memory card 793 by comparing the payment amount with the limit amount (770).

According to the implementation method of the present invention, the affiliate server by using the card information included in the full payment approval request as a keyword to search / retrieve the card information stored in the card information D / B, the card information is a card issuing system It is desirable to check whether the card information issued through.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features and professional transmission and reception procedures of the payment terminal 790 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a credit card payment means (or postpaid payment attribute), the card company server 797 from the card information D / B By confirming the predetermined credit limit amount information stored in association with the card information, and comparing the confirmed credit limit amount information and the payment amount, the payment amount stored in the memory card 793 for the payment amount It is desirable to process payment authorization.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The card company server 797 checks the predetermined account information stored in association with the card information from the card information D / B, checks the account balance in connection with the predetermined financial system in which the account is opened, By comparing the confirmed account balance with the payment amount, it is preferable to process payment approval for the payment amount through a payment means stored in the memory card 793.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B, the card company server 797 stores the account in association with the card information from the card information D / B. After checking the balance, it is possible to process payment approval for the payment amount through the payment means stored in the memory card 793 by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the card company server 797 is the card information D / By confirming the predetermined amount of charge information stored in association with the card information from B, and comparing the confirmed amount of charge information with the amount of payment, the payment amount stored in the memory card 793 for the payment amount It is desirable to process payment authorization.

Thereafter, the card company server 797 generates payment processing history information including the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) (780), and the card information and payment amount. After the payment processing history including the information, merchant information and payment approval information and transaction history information including the payment date and time information is stored in a predetermined transaction history D / B, the payment approval result including the payment processing history It generates and transmits to the memory card 793 (785).

8 is a diagram illustrating a process of providing a card payment service through a payment means stored in a memory card 897 according to another embodiment of the present invention.

In more detail, FIG. 8 provides a payment service through setting a use place for each payment information stored in the memory card 897 when using a payment means stored in a memory card 897 through a predetermined merchant. When the payment means stored in the card (897) is set to the inactive state, and the payment request is confirmed, the process for providing a payment service by activating the payment means corresponding to the payment request, which is usually in the technical field to which the present invention belongs. Those skilled in the art will be able to infer various implementation methods for providing a card payment service through a payment means stored in the memory card 897 by referring to and / or modifying the drawing 8. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG. The.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to provide a part of a process of providing a payment service through setting a use place for each payment information stored in the memory card 897. It will be possible to infer a method of omitting or modifying the order, thereby not limiting the present invention.

Referring to FIG. 8, the payment terminal 896 illustrated in FIG. 4 inputs (or selects) payment information through an interface for inputting (or selecting) payment information output on the screen of the payment terminal 896. (800), confirming usage information corresponding to the input (or selected) payment terminal (896) (810), and performing short-range wireless communication based on the confirmed usage information and the input (or selected) payment information. In operation 815, the payment terminal 896 and the memory card 897 are adjacent to each other.

Here, the usage information is merchant information corresponding to the affiliated store provided with the payment terminal 896, terminal identification information (or terminal unique information) corresponding to the payment terminal 896, or corresponds to the payment information. It is preferable that the information is in accordance with the amount of money.

Thereafter, the memory card 897 receives the usage information and the payment information transmitted from the payment terminal 896 and checks the payment means information corresponding to the received usage information (820).

If the payment means information corresponding to the received usage information is confirmed (825), the memory card 897 performs an activation process for the confirmed payment means information (830), and the memory card 897. Request to drive the VM to the wireless terminal 898 equipped with the device, transmit payment information to be output through the VM, and request authentication for payment processing through the payment means (835), and correspondingly, the memory card ( The wireless terminal 898 equipped with 897 drives the VM at the request of the memory card 897, outputs the payment information provided by the memory card 897, and then pays for the output payment information. Request for authentication information input for processing (840).

If authentication information for payment processing for the output payment information is input (or selected) (845), the wireless terminal 898 is input to the memory card 897 mounted in the wireless terminal 898. (Or selects) transmits the authentication information (850), and correspondingly, the memory card 897 receives the authentication information transmitted from the wireless terminal 898 to confirm the authentication of the received authentication information ( 855).

If it is confirmed whether authentication of the authentication information input (or selected) through the wireless terminal 898 is transmitted (860), the memory card 897 is the received authentication information, payment information and the usage information The payment approval request text is generated (or extracted) on the basis of the payment means information corresponding to (865), and the generated (or extracted) payment approval request text is transmitted to the card company server (899) (870).

Thereafter, the card company server 899 receives the full payment approval request message, and the card information included in the received payment approval request message is issued through a card issuing system, and the card information stored in the card information D / B is stored. The card company server 899 checks the limit amount for the payment means stored in the memory card 897 based on the card limit information associated with the card information from the card information D / B. The card company server 899 performs a payment approval procedure for processing the payment amount by using the payment means stored in the memory card 897 by comparing the payment amount and the limit amount (operation 875).

According to the implementation method of the present invention, the affiliate server by using the card information included in the full payment approval request as a keyword to search / retrieve the card information stored in the card information D / B, the card information is a card issuing system It is desirable to check whether the card information issued through.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features and professional transmission and reception procedure of the payment terminal 896 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

According to an exemplary embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or a postpaid payment attribute), the card company server 899 receives the card information from the card information D / B. By confirming the predetermined credit limit amount information stored in association with the card information, and comparing the confirmed credit limit amount information and the payment amount, the payment amount stored in the memory card 897 for the payment amount It is desirable to process payment authorization.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The card company server 899 checks predetermined account information stored in association with the card information from the card information D / B, checks the account balance in connection with a predetermined financial system in which the account is opened, and then By comparing the confirmed account balance with the payment amount, it is preferable to process the payment approval for the payment amount through a payment means stored in the memory card 897.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B, the card company server 899 stores the account in association with the card information from the card information D / B. After checking the balance, it is possible to process payment approval for the payment amount through the payment means stored in the memory card 897 by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the card company server 899 is the card information D / By confirming the predetermined amount of charge information stored in association with the card information from B, and comparing the confirmed amount of charge information with the amount of payment, by the means for payment stored in the memory card 897 for the payment amount It is desirable to process payment authorization.

Thereafter, the card company server 899 generates payment processing history information including the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) (885), and the card information and payment amount. After the payment processing history including the information, merchant information and payment approval information and transaction history information including the payment date and time information is stored in a predetermined transaction history D / B, the payment approval result including the payment processing history The memory card 897 generates and transmits the data to the memory card 897 (890). In response, the memory card 897 deactivates the payment means for the activation process and payment processing (895).

According to the present invention, by providing a variety of payment means in one memory card, by utilizing this, there is an advantage that it is possible to operate / utilize the convenient payment means.

In addition, the payment means by using the payment means that suits the case in accordance with the intended use or use, there is an advantage that can be scaled up.

For example, it is possible for a customer to use a direct debit payment method for payments of less than 10,000 won, and a credit payment method for payments of 10,000 won or more.

Or, if the customer wants to pay the transportation fee, it is possible to use a credit payment means, or to use the debit payment means if you want to pay for the use of goods / services.

Claims (5)

In the payment processing method executed by a memory card which is connected to the payment terminal provided in the merchant and the short-range wireless communication and mounted to the customer wireless terminal used, When the usage information and the payment information are received from the payment terminal, checking a payment means corresponding to the received usage information among one or more payment means stored for each usage in the memory card; Requesting the wireless terminal to output a payment authentication information input interface for using the identified payment means; Receiving payment authentication information input through the interface from the wireless terminal and processing authentication for using the payment means; Generating a full text of a payment approval request based on payment means information and payment information corresponding to the usage point information when authentication of the payment means is used; And requesting a payment processing by transmitting the generated payment approval request message to a card company server through the wireless terminal. delete delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the memory card mounted on the wireless terminal of the customer, Means for receiving usage information and payment information from a payment terminal provided at an affiliated store through short-range wireless communication; Means for checking a payment means corresponding to the received usage information, among payment means stored for each usage place in the memory card; A means for requesting an output of a payment authentication information input interface for using the identified payment means to the wireless terminal, and receiving payment authentication information input through the interface from the wireless terminal to process authentication for using the payment means; ; Upon completion of authentication for payment authentication information, generate a payment approval request text based on payment means information and payment information corresponding to the usage information, and transmit the generated payment approval request text to a card company server through the wireless terminal. Means for requesting payment processing; and a memory card.

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