KR101398021B1 - Method of managing payment channel - Google Patents

Abstract

The method of managing a payment channel by a payment agent system according to the present invention is a method of managing a payment channel by a payment terminal of a user terminal corresponding to the user terminal identification information when payment medium authentication request information and payment medium authentication request information are received, Notifying the authentication request; Guiding the payment medium authentication request information to the user terminal when the user terminal accesses the payment medium authentication request and guiding the user to input a payment medium selection and personal confirmation message or a payment medium password or an authentication password; When the payment medium selection information and the personal identification message, the payment medium password, or the authentication password are provided from the user terminal, the personal identification message or the payment medium password or the authentication password corresponding to the payment medium selection information is authenticated, And returning the result to the merchant terminal or the system providing the settlement medium authentication request information.

Description

METHOD OF MANAGING PAYMENT CHANNEL [0002]

The present invention relates to an application of a user terminal, and more particularly, to a payment channel management method using a user terminal.

With the development of technology, the specifications and functions of user terminals are exploding.

Recently, a high-performance user terminal, called a smart phone, is equipped with a variety of application programs for accessing the Internet through a 3rd-Generation Network or a wireless Internet network in addition to a call function, I have to.

In response to this trend, it has been urgently required to develop an application installed in a user terminal and capable of providing a differentiated service to a user.

Meanwhile, as the electronic commerce using the Internet is rapidly increased, the purchase rate of goods using online is increased, and various types of settlement media such as credit card or online account transfer are mixed and used.

As a result, there was a problem that the payment information of the user could be leaked at the time of payment approval through on-line or off-line, and the leaked information was also used for crime.

More specifically, personal information such as the card number and user name entered for payment approval may be delivered to the merchant at the time of online payment or handwritten payment request.

However, in the case of a malicious e-commerce company, only the personal information such as the card number and the user name of the user attempting the online settlement is sold and the virtual goods such as contents are purchased And to prevent crime.

Also, even in case of a malicious handler, it is also possible to purchase only the personal information such as the card number and the user name, or to sell or purchase virtual goods using the personal information.

Accordingly, development of a technology that can prevent the leakage of the user's personal information at the time of payment approval via on-line or off-line has been urgently required.

It is an object of the present invention to provide a payment channel management method capable of performing authentication on a payment medium through a user terminal at the time of purchasing goods through on-off-line and performing settlement based on the authentication result information do.

Another object of the present invention is to provide a payment channel management method that enables authentication by a user himself or herself without using an accounting service such as an SMS message by performing authentication of a payment medium through an application installed in a user terminal will be.

Yet another object of the present invention is to provide a payment channel management method that can help a mobile payment proliferation and use because it is possible not to change a payment history or a VAN company even when a mobile payment is applied at a merchant.

According to another aspect of the present invention, there is provided a method of managing payment channels by a payment agent system, comprising: receiving, when receiving payment medium authentication request information and payment medium authentication request information, user terminal identification information, Notifying a corresponding user terminal of a payment medium authentication request; Guiding the payment medium authentication request information to the user terminal when the user terminal accesses the payment medium authentication request and guiding the user to input a payment medium selection and personal confirmation message or a payment medium password or an authentication password; When the payment medium selection information and the personal identification message, the payment medium password, or the authentication password are provided from the user terminal, the personal identification message or the payment medium password or the authentication password corresponding to the payment medium selection information is authenticated, And returning the result to the merchant terminal or the system providing the settlement medium authentication request information.

The present invention has the effect of preventing personal information from being leaked at the time of settlement on or off-line.

In addition, the present invention performs authentication of a payment medium through an application installed in a user terminal, thereby enabling authentication by a user himself or herself without using an accounting service such as an SMS message.

In addition, the present invention can prevent the payment company or the VAN company from being changed even when the mobile payment is applied at the merchant, which can help spread and use the mobile payment.

Further, since the present invention pre-authenticates a payment medium through an application installed in a user terminal, payment can be performed by simply inputting a personal confirmation message or a payment medium password, thereby significantly simplifying the payment procedure There is an effect.

Further, since the present invention performs authentication of a payment medium through an application installed in a user terminal, it is possible to facilitate use of NFC, RF card, and QR.

1 is a system configuration diagram for a payment channel management service according to a preferred embodiment of the present invention;
FIG. 2 and FIG. 3 illustrate a subscription process of a payment channel management service according to a preferred embodiment of the present invention. FIG.
4 is a view illustrating a payment channel management service subscription screen according to a preferred embodiment of the present invention.
FIG. 5 illustrates a process of providing a payment channel management service according to a preferred embodiment of the present invention. FIG.
6 is a view illustrating a payment channel management service providing screen according to a preferred embodiment of the present invention.

The present invention enables authentication of a payment medium through a portable terminal of a user at the time of purchasing goods through on-off-line, and enables settlement based on the authentication result information.

Further, the present invention performs authentication on a payment medium through an application installed in a user terminal, thereby enabling authentication by a user himself or herself without using an accounting service such as an SMS message.

Also, according to the present invention, the authentication of the user terminal and the user is performed at the time of subscription to the service, so that it is possible to perform the authentication with high reliability by simply inputting the personal confirmation message at the authentication of the payment medium.

≪ Configuration of System for Payment Channel Management Service >

A configuration of a system for a payment channel management service according to a preferred embodiment of the present invention will be described with reference to FIG.

The system for the payment channel management service includes an offline shop terminal 100, an online store service server 102, a bill billing service server 104, a bill billing information input device 106, a payment relay system 110, A payment system management server 114, a push server 116, an SMS server 118 and mobile terminals 1201 to 120N.

The offline store terminal 100 is installed in an off-line store, provides a credit transaction for the sale of goods, and has a payment processing module. The payment processing module of the offline store terminal 100 is installed in the off-line store and generates payment medium authentication request information according to the request of the merchant shop and provides the payment medium authentication request information to the payment agent system 112 through the payment relay system 110, And provides settlement request information including the settlement medium authentication result information to the settlement system 112 through the settlement system 110 when the settlement system authentication result information is received from the settlement system 112, Receives and displays the payment approval result information from the payment acceptance unit 112 and outputs it. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The online shop service server 102 provides a merchandise sale service through an online store, and has a payment processing module. The payment processing module of the online shop service server 102 generates payment medium authentication request information according to a purchase request made by a customer who visited the online store and provides the payment medium authentication request information to the payment agent system 112 through the payment relay system 110, When the payment agent authentication result information is received from the payment agent system 112, the payment request information including the payment agent authentication result information is provided to the payment agent system 112 through the payment relay system 110, And provides the payment approval result information from the payment system 112 to the customer and stores the payment approval result information. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The bills billing service server 104 provides billing and settlement services for utility bills and has a payment processing module. The billing processing module of the bill payment service server 104 generates billing-medium authentication request information according to a bill payment request made by the customer and provides the payment billing-request information to the payment agent system 112 through the payment relay system 110, And provides settlement request information including the settlement medium authentication result information to the settlement system 112 through the settlement system 110 when the settlement system authentication result information is received from the system 112, 112, and provides the payment approval result information to the customer and stores the payment approval result information. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The handwriting billing information input device 106 provides a settlement service according to handwriting billing information and has a payment processing module. The payment processing module of the manual billing information input device 106 provides the payment agent authentication request information to the payment agent system 112 through the payment relay system 110 according to the input of the manual charge information, The settlement system authentication result information including the settlement system authentication result information is provided to the settlement company system 112 through the settlement relay system 110, And outputs the payment approval result information. Here, the payment medium authentication request information includes the merchant identification information, the payment amount information, the user terminal telephone number, and the like. The payment medium authentication result information may be encryption information for a payment medium.

The settlement relay system 110 is a VAN company or a payment system and includes an offline shop terminal 100, an online store service server 102, a bill billing service server 104, a manual billing information input device 106, System 112. [0033]

The settlement company system 112 fulfills the settlement approval according to the settlement request information to a credit card company, a financial institution, a communication company system, etc., and performs the settlement process according to the preferred embodiment of the present invention.

That is, when the payment agent authentication request information is received, the payment agent system 112 transmits the payment medium authentication request information to the payment channel management server 114 through the payment channel management server 114 And notifies the user terminal of the receipt of the payment medium authentication request information.

When the user terminal having received the payment medium authentication request information accesses the payment medium authentication page, the payment server system 112 notifies the payment medium authentication request information through the payment medium authentication page, Information and personal confirmation message or a payment medium password, and performs authentication for the provided payment medium selection information and personal identification message or payment medium password.

Then, the payment agent system 112 transmits the payment medium authentication result information according to the authentication result to the offline store terminal 100, the online store service server 102, and the bill payment service server 104, And the handwritten billing information input device 106.

The settlement company system 112 also receives from the offline store terminal 100, the online store service server 102, the bill billing service server 104 and the manual billing information input device 106 the merchant identification information, When the payment approval request information including the medium information or the encryption information for the payment medium information is received, the authentication for the payment medium information or the payment medium information is performed, and the payment approval result information is sent to the offline shop terminal The online shop service server 102, the utility billing service server 104, and the manual billing information input device 106, as shown in FIG.

When the payment channel authentication request information provided from the payment agent system 112 is received, the payment channel management server 114 transmits the payment channel authentication request information corresponding to the user terminal telephone number included in the payment medium authentication request information through the push server 116 When the user terminal requests the payment medium authentication request information according to the reception notification, notifies the payment medium authentication request information and selects a payment medium And access information for accessing a payment medium authentication page for inputting a personal confirmation message for authentication or a payment medium password to the user terminal.

The push server 116 pushes the reception notification information of the payment medium authentication request information to the corresponding user terminal according to a request of the payment channel management server 114. [

The SMS server 118 transmits an SMS message to the corresponding user terminal at the request of the payment channel management server 114.

One of the user terminals 1021 to 102N performs membership through the web according to the preferred embodiment of the present invention or installs a payment media authentication application according to a preferred embodiment of the present invention.

The payment medium authentication application installed in the user terminal is executed in response to reception of the execution request of the user or the reception notification information of the payment medium authentication request information and displays the reception notification information of the payment medium authentication request information, A payment medium authentication page for accessing the payment channel management server 114 to guide the payment medium authentication request information, selecting a payment medium, and inputting a personal confirmation message for authentication or a payment medium password And the payment channel management server 114 provides the connection information for connection to the payment medium authentication page according to the request, the payment server system 112 according to the connection information, Accesses the payment medium authentication page of the payment medium authentication page, receives the payment medium authentication request information through the payment medium authentication page And naeham well and receiving the selected payment medium from the user, as well as receives the individual confirmation message or payment medium password, and provides the billing information and personal media selection confirmation message or payment medium password to the payment company system 112.

<Payment channel management method>

Now, a method of managing a payment channel according to a preferred embodiment of the present invention applicable to the above system will be described in detail.

<Web subscription>

A web subscription process for managing a payment channel according to a preferred embodiment of the present invention will be described with reference to the flowchart of FIG.

Web subscription for managing the payment channel can be performed through a user terminal such as a personal computer or a portable terminal capable of web access. Hereinafter, a user terminal connected through a web on the basis of the description is referred to as a first user terminal, and a user terminal connected through an application is referred to as a second user terminal. The first and second user terminals are classified into a personal computer, Or may be a single smartphone capable of accessing via the web and an app.

The first user terminal transmits the service application request information to the payment agent system 112 according to the service application request of the user (operation 200).

When the service request information is received, the payment server system 112 provides a web signup page as shown in (a) of FIG. 4, and transmits the terms and agreement information on the service of the present invention to the first user terminal (Step 202 and 204).

The user provides the agreement result (agreement) to the payment company system 112 through the first user terminal according to the guide of the service agreement and the agreement information on the service in operation 206.

The settlement company system 112 provided with the result of the consent (agreement) guides the input of user information such as the identification information, the user terminal telephone number, and the settlement medium information as shown in FIG. 4 (b) In addition, a QR code for installing a payment medium authentication application is provided to the first user terminal and the user is informed of the QR code (step 208). Herein, the first user terminal displays the QR code and installs the payment media authentication web through the second user terminal, and the app installation using the QR code is known, and a detailed description thereof will be omitted.

The user who has been informed of the identification and payment medium information input provides the identification information, payment medium information, and user terminal phone number to the payment agent system 112 through the first user terminal (step 210).

The payment agent system 112 stores user information such as the payment medium information and the user terminal phone number, and requests the payment channel management server 114 to authenticate the second user terminal in step 212. In response to the second user terminal authentication request, the payment channel management server 114 transmits an SMS message including the user terminal authentication number for the second user terminal to the corresponding second user terminal through the SMS server 118 Step 214), the second user terminal receives and displays the SMS message (Step 216). Also, the payment channel management server 114 provides the user terminal authentication number for the second user terminal to the payment company system 112 (Step 218).

Then, the payment agent system 112 provides the user terminal authentication number for the second user terminal transmitted through the SMS message through the web signup page shown in (b) of FIG. 4 displayed on the first user terminal In step 220, authentication is performed on the second user terminal by comparing the user terminal authentication number provided by the payment channel management server 114 with the user terminal authentication number provided through the web signup page, To the first user terminal (step 222).

Then, the payment agent system 112 generates a phone number hash value for the second user terminal (step 224), and requests the payment channel management server 114 for user key information corresponding to the phone number hash value (Step 226). The user key information is given by an application subscription through the second user terminal. The user key information is notified of the reception of the payment medium authentication request information by the payment medium authentication application of the second user terminal, and the payment medium authentication request information is provided Payment medium selection information for settlement of payment medium authentication request information, and second user terminal identification information required when providing the personal confirmation message or payment medium password.

In step 228, the payment channel management server 114 returns the user key information about the user terminal that has completed the application subscription procedure to the payment server system 112 according to the request.

Upon receipt of the user key information, the payment server system 112 additionally stores the user key information in the user information for the corresponding user, and stores the personal verification message or the payment medium password registration as shown in FIG. 4 (c) Page to the first user terminal (step 230). The user inputs the personal verification message or the payment medium password through the personal verification message or the payment medium password registration page and transmits the personal verification message or the payment medium password to the payment server system 112 in operation 222. Here, the personal identification message or the payment medium password is a password for authentication of the payment medium.

Also, the web signup page is provided with a window for inputting an encryption code for preventing the phishing of the personal confirmation message or the payment medium password, and the user can use the window to encrypt the personal confirmation message or the payment medium password Code to the payment agent system 112.

The payment company system 112 additionally stores the personal identification message or the payment medium password in the user information (step 234).

This completes the service subscription via the web.

The payment information system 112 records user information through the service subscription through the web, and the user information includes user personal information, at least one payment medium information, user terminal phone number, user key information, Media password, and anti-phishing encryption information. In addition, the user information includes payment medium authentication request information provided from the merchant system or the terminal, and the payment medium authentication request information includes identification information, amount information, and date information for the merchant system or the terminal.

<Service subscription through app>

Now, an application subscription process for managing a payment channel according to a preferred embodiment of the present invention will be described with reference to the flowchart of FIG.

The second user terminal requests the push server 116 to grant the device token when the installation of the payment media authentication application through the app market is requested or the QR code for installing the payment media authentication application is read and the payment media authentication application is installed (Steps 300 and 304).

The push server 116 generates a device token for communication with the second user terminal and returns the device token to the second user terminal according to the request to grant the device token (operation 306).

If the device token is provided, the second user terminal generates app subscription information by combining the user terminal telephone number hash value, device type, and device token information, and transmits the app subscription information to the payment channel management server 114 (Step 308).

The payment channel management server 114 stores the phone number hash value, the device type, and the device token information included in the app subscription information, and also generates user key information for the corresponding second user terminal, And transmits the user key information to the second user terminal in step 312 in addition to the additional storage box.

The second user terminal additionally stores the user key information provided by the payment channel management server 114 in the app subscription information (step 314).

Thus, the app subscription procedure according to the present invention is completed.

App subscription information for the user is stored in the second user terminal and the payment channel management server 114 through the app subscription procedure. The app subscription information includes a phone number hash value, a device type, a device token information, Key information, and the like.

<Payment channel management service>

The payment channel management process according to the preferred embodiment of the present invention, which is performed after completing the web and app subscription procedure as described above, will be described in detail with reference to FIG.

For requesting payment medium authentication from an affiliate store system such as the offline store terminal 100, the online store service server 102, the bills billing service server 104, the manual billing information input device 106, When the payment agent authentication request information is received (step 400), the payment agent system 112 stores the payment agent authentication request information and transmits the payment agent authentication request information to the second user terminal, (Step 402), the first payment medium access page access information for guiding the user to input identification information, i.e., a phone number.

The merchant system transmits the first payment medium authentication page access information to the first user terminal requesting settlement and transmits a telephone number for the second user terminal for transmitting the payment medium authentication request information to the user of the first user terminal . In accordance with this guidance, the user of the first user terminal enters a telephone number for the second user terminal, and the telephone number is provided to the payment processor system 112.

Also, the franchisee terminal guides the user of the merchant store to input the telephone number of the second user terminal for transmitting the payment medium authentication request information. According to the guide, the user of the merchant terminal inputs the telephone number of the second user terminal, and the telephone number is provided to the payment company system 112 (404, 406). Here, the first payment medium authentication page may be configured as illustrated in (a), (b), and (d) of FIG. The first payment medium authentication page shown in FIG. 6A includes not only the merchant identification information and the amount information but also a phone number input window for the second user terminal. In FIG. 6B, The first payment medium authentication page shown in FIG. 6D is a screen to guide the user to wait while the payment medium authentication is performed through the second user terminal. The first payment medium authentication page shown in FIG. 6D is displayed on the second user terminal It is a screen to notify that the payment medium authentication is completed.

If the telephone number of the second user terminal is provided from the first user terminal or the merchant terminal, the payment company system 112 reads the user key information corresponding to the received user terminal telephone number from the user information registered in advance The payment channel authentication request information is additionally stored in the user information corresponding to the corresponding user key information and is transmitted to the user terminal included in the user information through the payment channel management server 114 Connection information is transmitted (step 408).

In step 410, the payment channel management server 114 notifies the second user terminal of the receipt of the payment medium authentication request information corresponding to the user key information added to the access information for the second payment medium authentication page. The notification of receipt of the payment medium authentication request information is made through the push server 116 (step 412).

The payment media authentication application of the second user terminal operates according to the reception notification of the payment media authentication request information (steps 414 and 418), and the payment media authentication application of the second user terminal transmits the payment media authentication request to the payment channel management server 114 Request authentication request information. In response to the request, the payment channel management server 114 transmits the access information for the second payment medium authentication page to the payment medium authentication application of the second user terminal (step 422).

The payment agent authentication application accesses the second payment medium authentication page according to the access information for the second payment medium authentication page (step 424), and the payment server system 112 accesses the second payment medium authentication page The payment medium authentication request information is guided through the second payment medium authentication page as well as selecting one of the one or more payment media and inputting the personal confirmation message or the password for the payment medium password or authentication 426, 428).

The user of the second user terminal selects one or more payment media according to the guide, and inputs a personal confirmation message, a payment medium password, or a password for authentication. The payment medium authentication application of the second user terminal transmits the payment medium selection information, the personal confirmation message, the payment medium password, or the password for authentication to the payment company system 112 (operation 430). Here, the at least one payment medium includes at least one payment medium registered in the payment company system 112 and a payment medium registered at the user terminal.

When the payment agent selection system 112 provides the payment medium selection information, the personal confirmation message, the payment medium password, or the password for authentication, the payment agent system 112 transmits the payment medium selection information, the personal confirmation message, (Step 432), and returns the authentication result to the affiliate store system or the affiliate store terminal corresponding to the affiliate store identification information included in the payment medium authentication request information (step 434).

The merchant system or the merchant terminal transmits payment approval request information to the payment company system 112 using the authentication result for the payment medium and receives payment approval result information from the payment company system 112 The process is completed (step 436).

In the preferred embodiment of the present invention, only the request for authentication of the payment medium is transmitted to the user terminal through the payment channel management server and the push server. However, requesting authentication of the payment medium by the user terminal is an additional function of the payment system And it is also apparent that the present invention can be implemented.

In addition, in the preferred embodiment of the present invention, the payment channel management server and the push server are separated from each other. However, it is also apparent that the functions of the two servers may be provided in one server.

100 ~ 106: Merchant system or terminal
112: Payment System
114: Payment channel management server
116: Push server
1201 to 120N:

Claims (7)

A method for managing a payment channel by a payment agent system,
When receiving the payment medium authentication request information and the user terminal identification information corresponding to the payment medium authentication request information, notifying the user terminal of the payment medium authentication request to the user terminal corresponding to the user terminal identification information;
Guiding the payment medium authentication request information to the user terminal when the user terminal accesses the payment medium authentication request and guiding the user to input a payment medium selection and personal confirmation message or a payment medium password or an authentication password;
When the payment medium selection information and the personal identification message, the payment medium password, or the authentication password are provided from the user terminal, the personal identification message or the payment medium password or the authentication password corresponding to the payment medium selection information is authenticated, Returning the result to the merchant terminal or system providing the payment medium authentication request information;
When the payment approval request information including the authentication result is received from the merchant terminal or the system that returned the authentication result, performing approval processing after authenticating the payment approval request information How to manage your payment channel. delete A method for managing a payment medium authentication channel,
When the payment company system receives the payment medium authentication request information and the user terminal identification information corresponding to the payment medium authentication request information,
Selecting a payment medium and transmitting the access information to the payment channel authentication server for inputting the personal confirmation message or the payment medium password to the payment channel management server;
The payment channel management server notifies reception of the payment medium authentication request information to the user terminal corresponding to the user terminal identification information upon receipt of the connection information;
Providing the payment channel management server with the access information to the user terminal when the payment channel authentication request information is requested from the user terminal according to the notification;
When the user terminal accesses the payment information system according to the connection information, the payment company system guides the payment medium authentication request information through the payment medium authentication page, selects a payment medium, Guiding the user to input a password;
If the payment agent system is provided with the payment medium selection information and the personal confirmation message, the payment medium password, or the authentication password from the user terminal, authentication of the personal confirmation message corresponding to the payment medium selection information, And returning the authentication result to the merchant terminal or system providing the payment medium authentication request information;
When the settlement company system receives the payment approval request information including the authentication result from the merchant terminal or the system that returned the authentication result, performs authentication processing after authenticating the payment approval request information;
And,
The payment channel management server may further include storing device token information for the user terminal,
Wherein the payment channel management server notifies reception of the payment medium authentication request information to the user terminal through the push server using the device token information.
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