KR101470843B1 - Method, System And Apparatus for Providing Electronic Payment by Using Credit Card Information - Google Patents

Abstract

An electronic payment method, system and apparatus using credit card information are disclosed.
A merchandise providing device for transmitting payment request information for specific user account information; And receiving, when the payment request information is received, OTP (One Time Password) information corresponding to the payment means information and the payment means information from the apparatus having the identification information corresponding to the specific user account information, And an electronic settlement apparatus that performs settlement processing for the settlement request information using at least one of a communication company apparatus and a card issuing apparatus when the settlement request information is received.
According to the present embodiment, in the process of performing the electronic payment using the credit card information, there is an effect that the OTP, the communication company or the credit card company is authenticated according to the payment means information selected by the user, thereby making the electronic payment more securely.

Description

TECHNICAL FIELD [0001] The present invention relates to an electronic payment method, system and apparatus using credit card information,

This embodiment relates to an electronic payment method, system and apparatus. More specifically, in the process of performing electronic payment using credit card information, authentication is performed through OTP (One Time Password), a communication company or a credit card company according to the payment means information selected by the user, And an electronic payment method, system, and apparatus using credit card information.

&Quot; The technique underlying the present invention is disclosed in Korean Patent Laid-Open Publication No. 10-2010-0135617 (Dec. 27, 2010)
&Quot; The technique underlying the present invention is disclosed in Korean Patent Publication No. 10-2010-0009150 (Jan. 27, 2010)
The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

Common methods of payment such as credit card, debit card, or bank account are widely used for general commercial or e-commerce transactions. However, the conventional payment method has problems such as inconvenience to possession of cash, risk of loss of cash, troubles such as return of balance, etc. when using cash. In addition to these problems, the use of credit cards is recommended as a way to increase the tax transparency of commercial transactions and many other payment methods are being developed. In particular, as the e-commerce using the Internet has been steadily growing, the payment market has been rapidly expanding. Until now, most of the payment methods on the Internet were credit card and online bank transfer, but recently, mobile phones, wired and wireless ARS Service) has emerged and the frequency of use is rapidly increasing.

However, in the case of such payment means, it is inconvenient to issue a separate module or card, and there is a problem that damage due to personal information leakage may occur.

In order to solve the above-described problems, in the present embodiment, in the process of performing the electronic payment using the credit card information, the OTP, the carrier or the credit card company is authenticated according to the payment means information selected by the user, And an electronic payment method, system, and apparatus using credit card information.

According to an aspect of the present invention, there is provided a merchandise supply apparatus for delivering settlement request information for specific user account information; And receiving, when the payment request information is received, OTP (One Time Password) information corresponding to the payment means information and the payment means information from the apparatus having the identification information corresponding to the specific user account information, And an electronic settlement apparatus that performs settlement processing for the settlement request information using at least one of a communication company apparatus and a card issuing apparatus when the settlement request information is received.

According to another aspect of the present invention, there is provided a billing apparatus comprising: a billing information receiving unit for receiving billing request information for specific user account information from a goods providing apparatus; A payment means synchronization unit for receiving and synchronizing payment means information from a terminal having identification information corresponding to the specific user account information; A communication company information authentication unit that receives the OTP information corresponding to the payment means information from the terminal and confirms the communication company member information for the terminal using the communication company apparatus; And transmits a transaction approval request signal for the payment means information synchronized to the card issuing device when the communication company member information is confirmed as an authenticated member, And a settlement approval unit for receiving a transaction approval response signal corresponding to the transaction confirmation response signal and transmitting a settlement information verification completion signal to the goods supply apparatus.

According to another aspect of the present invention, there is provided an electronic settlement apparatus comprising: an application driver for driving an electronic settlement application by a push message received from an electronic settlement apparatus; A main payment means synchronization unit for transmitting the pre-stored payment means information to the electronic payment apparatus when the inputted authentication information is authenticated to authenticate the payment request information by a user's operation or command; An OTP information transmission unit for generating OTP information for the payment means information and transmitting the OTP information to the electronic settlement apparatus when the payment means information is synchronized; And a payment completion processing unit for receiving and displaying the payment completion information from the electronic settlement apparatus.

According to another aspect of the present invention, there is provided a method of performing electronic settlement using credit card information in an electronic settlement apparatus, comprising: receiving settlement request information for specific user account information from a product supply apparatus; Receiving and synchronizing payment means information from a terminal having identification information corresponding to the specific user account information; Receiving OTP information corresponding to the payment means information from the terminal, and checking the communication company member information for the terminal using the communication company apparatus; And transmits a transaction approval request signal for the payment means information synchronized to the card issuing device when the communication company member information is confirmed as an authenticated member, And transmitting a settlement information verification completion signal to the merchandise supply apparatus after receiving the transaction approval response signal corresponding to the credit card information.

According to another aspect of the present invention, there is provided a method of performing electronic settlement using credit card information in a terminal, the method comprising: driving an electronic settlement application by a push message received from an electronic settlement apparatus; Transmitting the pre-stored payment means information to the electronic settlement apparatus when the input authentication information is authenticated to authenticate the settlement request information by a user's operation or command; Generating OTP information for the payment means information and transmitting the OTP information to the electronic payment apparatus when the payment means information is synchronized; And receiving and displaying the settlement completion information from the electronic settlement apparatus, and displaying the settlement completion information.

As described above, according to the present embodiment, in the process of performing the electronic payment using the credit card information, the OTP, the communication company or the credit card company is authenticated according to the payment means information selected by the user, . Further, according to the present embodiment, OTP authentication is performed through the card issuing device in the electronic payment using the credit card information, and the communication company authentication is additionally performed, thereby enhancing the security of the payment means.

1 is a block diagram schematically showing an electronic payment system using credit card information according to the present embodiment,
2 is a block diagram schematically showing an electronic settlement apparatus according to the present embodiment,
3 is a block diagram schematically showing a terminal according to the present embodiment,
4 is a flowchart illustrating an electronic settlement method using credit card information according to the present embodiment.

Hereinafter, the present embodiment will be described in detail with reference to the accompanying drawings.

The electronic settlement described in this embodiment refers to settlement on-line, but is not necessarily limited thereto. As long as a person skilled in the art to which the present invention belongs has made various modifications and variations .

1 is a block diagram schematically showing an electronic payment system using credit card information according to the present embodiment.

The electronic payment system according to the present embodiment includes a terminal 110, an electronic payment application 112, a user terminal 114, a communication network 120, a merchandise supply apparatus 122, an electronic settlement apparatus 130, ), A communication company apparatus 140, and a card issuing apparatus 150. In this embodiment, an electronic payment system includes a terminal 110, an electronic payment application 112, a user terminal 114, a communication network 120, a merchandise supply apparatus 122, an electronic settlement apparatus 130, a value added communication network 132, The communication company apparatus 140 and the card issuing apparatus 150. However, this is merely an exemplary description of the technical idea of an embodiment of the present invention, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

The terminal 110 is a terminal capable of transmitting and receiving various data via the communication network 120 according to a key operation of a user. The terminal 110 may be a tablet PC, a laptop, a personal computer (PC) A smart phone, a personal digital assistant (PDA), a mobile communication terminal, and the like. The terminal 110 may be a cloud computing terminal that supports cloud computing that can use services such as data reading, writing, storing, network, and content usage through the communication network 120.

That is, the terminal 110 is a terminal that performs voice or data communication using the communication network 120, and is a terminal for communicating with the electronic settlement apparatus 130 via the communication network 120, a memory And a microprocessor for executing and controlling various programs. That is, the terminal 110 may be any terminal as long as it is capable of server-client communication with the electronic settlement apparatus 130, and is a broad concept including all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA. Meanwhile, the terminal 110 is preferably manufactured with a touch screen, but is not limited thereto. Although the terminal 110 is described as being implemented as a separate device from the electronic settlement apparatus 130 in the present embodiment, the terminal 110 may be a form including all of the electronic settlement apparatus 130 (Stand Alone) device of the present invention.

The terminal 110 may drive an electronic payment application by a user's operation or command, and may perform member registration through an electronic payment application. More specifically, the electronic payment application is an application installed after downloading through the application store if the terminal 110 is a smart phone. If the terminal 110 is a feature phone (Virtual machine) downloaded through the communication company apparatus 140. [0050]

In order to perform the electronic settlement, the terminal 110 must perform the member registration. Hereinafter, the terminal 110 mounts the electronic settlement application 112 to perform member registration, When at least one of the message authentication information, the user identification information authentication information, and the terminal PIN (Personal Identification Number) authentication information input by the user is authenticated, the application ID for performing electronic settlement is received and the payment means information And processes member registration completion. The terminal 110 downloads the electronic settlement application 112. To explain the process, the terminal 110 transmits a user's selection information through the application providing apparatus or a user The electronic payment application 112 is downloaded from the application providing apparatus and the downloaded electronic payment application is installed.

In addition, in the member registration process, the terminal 110 confirms whether or not the user identification information authentication information input by the user is authenticated, and when the user identification information authentication information is authenticated, Receives an application ID from the electronic settlement apparatus 130 after transmitting an authentication procedure completion signal and transmits a terminal PIN procedure completion signal to the electronic settlement apparatus 130 when the terminal PIN information input by the user is authenticated, Registers the payment means information inputted by the user, and receives the registration completion signal from the electronic payment apparatus 130, and processes the member registration completion.

When the member registration process is completed, the main payment means is registered. To explain this, the terminal 110 transmits the payment means information selected by the user's operation or command to the electronic payment apparatus 130, When the information is authenticated, the OTP authentication key received from the electronic settlement apparatus 130 in response to the payment means information is stored, and the payment means information is registered and processed. Here, the payment means information includes at least one of credit card information, check card information, phone bill information, and financial account information. At this time, the terminal 110 receives the encrypted OTP authentication key from the electronic payment apparatus 130, decrypts the encrypted OTP, and re-encrypts the encrypted OTP together with information (for example, PIN information) necessary for authentication. For the operation of the terminal 110, the terminal 110 uses the electronic payment application 112 on which the terminal 110 is installed.

That is, in order to register the credit card information, the terminal 110 transmits the payment means information including the credit card information as the payment means to the electronic settlement apparatus 130, and transmits any one of the business information received from the electronic settlement apparatus 130 And payment method authentication information including at least one of telephone number information for the selected business information, card company identification information, card alias information, card number information, card valid period information, virtual card number information, and CVC information To the electronic settlement apparatus 130. The terminal 110 stores the received OTP authentication key corresponding to the credit card information, which is the payment means information, from the electronic settlement apparatus 130, and then finishes the registration means information registration processing.

In order to register the telephone bill information, the terminal 110 transmits the payment means information including the telephone bill information as a payment means to the electronic payment apparatus 130, and, in accordance with the telephone bill registration request information received from the electronic payment apparatus 130, Number information, and electronic payment application ID information, to the payment method registering device. Then, the terminal 110 stores the received OTP authentication key in response to the telephone bill information, which is the payment means information, from the electronic payment apparatus 130, and then finishes the registration means information registration processing.

If the inquiry request information about the payment means information is input by the user's operation or command, the terminal 110 may inquire or change the payment means. To the electronic settlement apparatus 130 and receives the transaction history confirmation information corresponding thereto from the electronic payment apparatus 130. [ When the change request information for the payment means information is inputted by the user's operation or command, the terminal 110 transmits the change request information to the electronic settlement apparatus 130 and transmits the change completion information corresponding thereto to the electronic settlement apparatus 130. [ (130).

The terminal 110 according to the present embodiment transmits payment request information, payment means information and OTP information to the electronic payment apparatus 130 to perform electronic payment, and then receives payment completion information from the electronic payment apparatus 130 Display. More specifically, the terminal 110 may operate the electronic payment application 112 by a push message received from the electronic settlement apparatus 130, When the input authentication information is authenticated by the command to authenticate the payment request information, the pre-stored payment means information is transmitted to the electronic payment apparatus 130. When the payment means information is synchronized, OTP information for the payment means information is generated To the electronic settlement apparatus 130, and receives and displays the settlement completion information from the electronic settlement apparatus 130. [ Here, the authentication information is PIN information for the electronic payment application. The PIN is a kind of personal identification number, which is generally set to four digits, and is assigned an eight-digit Personal Unblocking Key (PUK). On the other hand, the PIN can be changed according to the user's need. If the user incorrectly inputs the PIN more than a predetermined number of times consecutively, the PIN can be reset by inputting the PUK because the subscriber identification module is locked. However, if the PUK is entered more than a predetermined number of times, the PUK must be discarded and re-granted.

When the payment means information is authenticated, the electronic payment application 112 stores the received OTP authentication key corresponding to the payment means information, and then transmits the payment means information to the registration completion processing Software. The electronic payment application 112 may be implemented or manufactured in accordance with various OS (Operating System) environments such as iOS, Android, Windows Phone 7, and the like.

Meanwhile, in the present embodiment, although the terminal 110 loads the electronic payment application 112 and performs member registration, the operation procedure can be performed by the electronic payment application 112 only. In other words, the electronic settlement application 112 is installed in the terminal 110 and drives the electronic settlement application by the push message received from the electronic settlement apparatus 130. In order to authenticate the settlement request information by a user's operation or command When the input authentication information is authenticated, the pre-stored payment means information is transmitted to the electronic settlement apparatus 130. When the payment means information is synchronized, OTP information on the payment means information is generated and transmitted to the electronic settlement apparatus 130 , And a function of receiving and displaying the settlement completion information from the electronic settlement apparatus 130 can be independently implemented.

The user terminal 114 is a device separate from the terminal 110 and is capable of receiving various web page data via the communication network 120 according to a key operation of the user. The user terminal 114 is a tablet PC, a laptop, , A smart phone, a personal digital assistant (PDA), a mobile communication terminal, and the like, and may be a web browser for interfacing with the communication network 120 to access the goods provision apparatus 122, And a microprocessor for calculating and controlling the microprocessor. In other words, the user terminal 114 is a personal PC. However, any terminal can be used as long as it is connected to the communication network 120 and can perform server-client communication with the product providing apparatus 122, PDA, and the like. That is, the user terminal 114 accesses the merchandise supply device 122 by a user's operation or command, and receives and displays various merchandise information from the merchandise supply device 122. At this time, the user can log in to the merchandise supply apparatus 122 using his / her user account (ID and password) by using the user terminal 114, and can transmit specific merchandise information among the merchandise information transmitted from the merchandise supply apparatus 122 If you are interested in purchasing, you can select payment request information.

The communication network 120 is a network capable of transmitting and receiving data using an Internet protocol using various wired and wireless communication technologies such as an Internet network, an intranet network, a mobile communication network, and a satellite communication network. The communication network 120 includes a cloud computing network that can be coupled to the electronic settlement apparatus 130 to store computing resources such as hardware and software and to provide the computing resources required by the client to the corresponding terminal 110 can do. Here, cloud computing refers to a computer environment in which information is permanently stored on a server on the Internet and temporarily stored in a client terminal such as a desktop, a tablet computer, a notebook, a netbook, or a smart phone. Cloud computing, Refers to a computer environment access network that stores information on a server on the Internet and makes the information available anytime and anywhere through various IT devices.

The communication network 120 may be a closed network such as a LAN (Local Area Network) or a WAN (Wide Area Network), an open network such as the Internet, a CDMA (Code Division Multiple Access), a WCDMA The concept is to refer to networks such as Multiple Access, Global System for Mobile Communications (GSM), Long Term Evolution (LTE) and Evolved Packet Core (EPC) as well as next-generation networks and cloud computing networks to be implemented in the future.

When the user terminal 114 is connected to the goods providing apparatus 122, the goods providing apparatus 122 transmits the goods information to the user terminal 114 via the communication network 120. When the payment signal for the specific goods information is received from the user terminal 114 If it is received, it is transmitted to the electronic settlement apparatus 130. The merchandise supply apparatus 122 according to the present embodiment transmits settlement request information for specific user account information received from the connected user terminal 114 to the electronic payment apparatus 130. [ For example, after the user accesses the merchandise supply apparatus 122 through the user terminal 114, the user logs in the merchandise supply apparatus 122 using his / her own user account (ID and password) When the user wants to purchase specific product information among the goods information to be transmitted, the user selects the payment request information. The product providing apparatus 122 includes at least one of a web providing apparatus for providing specific product information and a PG for linking to the electronic settlement apparatus 130 according to the settlement request information.

The electronic settlement apparatus 130 is a concept of an apparatus including at least one of a card issuer server for performing electronic settlement, a financial institution server, a traffic agency server, and a mobile payment server. Of course, the electronic payment apparatus 130 may be implemented by any one of a card issuer server, a financial institution server, a traffic agency server, and a mobile payment server.

The electronic settlement apparatus 130 has the same hardware configuration as that of a typical Web server or network server. However, the software module includes a program module implemented in any language such as C, C ++, Java, Visual Basic, and Visual C. The electronic settlement apparatus 130 may be implemented in the form of a web server or a network server. The web server is generally connected to an unspecified number of clients and / or other servers through an open computer network such as the Internet, Means a computer system that accepts a request to perform an operation of a server and derives a result of the operation, and computer software (a web server program) installed for the computer system. However, in addition to the above-described web server program, it should be understood as a broad concept including a series of application programs running on the web server and various databases built up in some cases. The electronic settlement apparatus 130 is a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, Unix, and Macintosh on general server hardware. (Internet Information Server) used in a window environment, CERN, NCSA, and APPACH used in a UNIX environment can be used as typical examples.

In addition, the electronic payment apparatus 130 may be linked to an authentication system and a payment system for member registration. In addition, the electronic settlement apparatus 130 classifies the membership subscription information and stores and manages the membership subscription information in a database, which can be implemented inside or outside the electronic settlement apparatus 130. [ Such a database is a general data structure implemented in a storage space (hard disk or memory) of a computer system using a database management program (DBMS), and can be used to freely search (extract), delete, edit, (RDBMS) such as Oracle, Informix, Sybase, and DB2, as well as Gemston, Orion, (OODBMS) such as O2 and O2, and an XML Native Database such as Excelon, Tamino, Sekaiju, etc., can be implemented for the purpose of this embodiment. And has the appropriate fields or elements to achieve its function.

The electronic settlement apparatus 130 may provide an electronic settlement service in cooperation with the electronic settlement application 112 installed in the terminal 110. [ That is, when the payment request signal is received from the electronic payment application 112 installed in the terminal 110, the electronic settlement apparatus 130 can perform electronic settlement in cooperation with the financial institution apparatus.

The electronic payment apparatus 130 receives a message authentication procedure completion signal, a user identification information authentication procedure completion signal, and a user authentication information authentication procedure completion signal from the terminal 110. In this case, And terminal PIN procedure completion signal, it confirms whether or not to join the user information of the terminal 110, allocates an application ID for performing electronic payment, registers the payment means information, 110 of the user information. Here, the payment means information is credit card information. Check card information, phone bill information, and financial account information.

In order to perform the electronic settlement, the electronic settlement device registration process is performed in the electronic settlement device 130 after the member registration process is completed. To this end, the electronic settlement device 130 stores the payment means information received from the terminal 110 The OTP authentication key is generated by using an external device according to the payment means information, transmitted to the terminal 110, and the payment means information is registered. At this time, the electronic settlement apparatus 130 transmits the encrypted OTP authentication key to the terminal 110 in an encrypted state. The operation of the electronic settlement apparatus 130 will be described in more detail. The electronic settlement apparatus 130 receives the payment means information from the terminal 110, generates an OTP authentication key using an external device according to the payment means information, Transmits the OTP authentication key to the terminal 110 after registering the information, and controls to inquire or change the payment means information at the request of the terminal 110. [

That is, when registering credit card information as the main payment means, the electronic settlement apparatus 130 inquires the settlement company information according to the settlement means information, and when the payment means included in the settlement means information is credit card information, And transmits the card company information corresponding to the settlement company information to the terminal 110. The electronic settlement apparatus 130 authenticates the validity of the payment means authentication information received from the terminal 110 by using the card issuer apparatus 150 corresponding to the card company information in order to validate the card at the time of registering the credit card information. Here, the payment means authentication information includes at least one of telephone number information, card company identification information, card alias information, card number information, card validity period information, virtual card number information, virtual card number information, and CVC information, The alias information refers to information input by the user's operation or command. At this time, the electronic payment apparatus 130 transmits at least one of card alias information, card number information, card valid period information, virtual card number information, CVC information, and identification information of the terminal 110 to the card issuing machine 150) to authenticate the validity. In addition, the electronic payment apparatus 130 generates an OTP authentication key for the information whose validity has been authenticated by using the card issuer OTP provision apparatus interlocked with the card issuing apparatus 150 for generating the OTP authentication key when registering the credit card information. When at least one or more of the OTP authentication key, the card alias information, the virtual card number information, and the information for which the validity is authenticated is registered for registering the payment means at the time of registering the credit card information, the electronic settlement apparatus 130 transmits the payment means information Register.

In addition, when registering the telephone bill information as the main payment means, the electronic settlement apparatus 130 inquires the payment allowable company information according to the payment means information, and when the payment means included in the payment means information is the telephone bill information, To the terminal 110, the telephone bill registration request information corresponding to the business information. The electronic settlement apparatus 130 transmits OTP authentication information to the telephone bill registration information by using the communication company apparatus 140 connected to the terminal 110 when the telephone bill registration information is received from the terminal 110 for OTP authentication key generation in the telephone bill registration, Key. Here, the telephone bill registration information includes at least one of telephone number information and electronic payment application ID information mounted on the terminal 110. [ The electronic settlement apparatus 130 transmits an OTP authentication request signal for telephone number information to the communication company apparatus 140 in order to generate an OTP authentication key when registering the telephone card and transmits an OTP authentication key corresponding thereto from the communication company apparatus 140 . At this time, the communication company apparatus 140 generates an OTP authentication key for the payment means information using the cooperating communication company OTP provision apparatus.

On the other hand, when inquiring or changing the payment means information, the electronic settlement apparatus 130, when receiving the inquiry request information about the payment means information from the terminal 110, displays the transaction details viewed through the payment mobile web server or the PG web server And transmits the confirmation information to the terminal 110. In addition, when the change request information for payment means information is received from the terminal 110, the electronic payment apparatus 130 changes the payment means to the corresponding content after reflecting the change request information, and transmits the change completion information to the terminal 110 .

When the member registration and the main payment means registration are completed as described above, electronic payment can be performed. Hereinafter, electronic payment using credit card information will be described.

When payment request information is received from the electronic payment apparatus 130 product provision apparatus 122 according to the present embodiment, payment request information is transmitted from the terminal 110 having identification information corresponding to specific user account information If the OTP information is authenticated after receiving the OTP information, the OTP server 150 performs a settlement process for the settlement request information using at least one of the communication device 140 and the card issuing device 150. The electronic payment apparatus includes a payment web providing apparatus for requesting OTP information to a user terminal 114 connected to the merchandise supply apparatus 122.

More specifically, the electronic settlement apparatus 130 receives settlement request information for specific user account information from the merchandise supply apparatus 122, Receives the payment means information from the terminal 110 having the identification information corresponding to the account information and synchronizes with the terminal 110 and receives the OTP information corresponding to the payment means information from the terminal 110, When the member information of the communication company is confirmed as an authenticated member, the OTP information is authenticated using the card issuer apparatus 150, and a transaction approval request signal for the main payment means is transmitted to the card issuing apparatus 150 And transmits a settlement information verification completion signal to the terminal 110 or the commodity supply device 122 after receiving the transaction approval response signal corresponding to the transaction approval request signal The. Here, the transaction approval request signal includes at least one of card alias information, virtual card number information, and OTP information, and the payment information verification completion signal includes link information to the result information page. At this time, when the synchronized payment means information is credit card information, the electronic payment apparatus 130 authenticates the OTP information using the credit card issuing apparatus 150. [ In addition, the electronic settlement apparatus 130 receives and synchronizes payment means information, and inquires the corresponding member using the stored telephone number information and the electronic payment application ID information.

The electronic settlement apparatus 130 according to the present embodiment sends a push message for driving the electronic settlement application 112 to the terminal 110 having the identification information corresponding to the specific user account information. Here, the identification information includes at least one of telephone number information, an MDN (Mobile Directory Number), and an ESN (Electronic Serial Number).

To be more specific, the electronic settlement apparatus 130 confirms whether or not previously stored identification information exists, and if there is the previously stored identification information based on the confirmation result, Transmits the push message to the terminal 110 having information on the basis of the received identification information and receives the identification information from the user terminal 114 connected to the merchandise supply apparatus 122 when there is no stored identification information, 110). ≪ / RTI > For example, after the user accesses the merchandise supply apparatus 122 through the user terminal 114, the user logs in the merchandise supply apparatus 122 using his / her own user account (ID and password) When the user wants to purchase specific product information among the goods information to be transmitted, the user selects the payment request information. At this time, when the telephone number information corresponding to the identification information is stored in the user account, the electronic payment apparatus 130 transmits the push message to the terminal having the stored telephone number information, If the telephone number information is not stored in advance, the push message is transmitted using the inputted telephone number information after requesting the user to input. Here, the push message includes at least one of a Short Message Service (SMS), a Multimedia Message Service (MMS), and an Internet Protocol (IP) based message.

When the electronic payment apparatus 130 according to the present embodiment confirms that the member information of the communication company is authenticated, the electronic settlement apparatus 130 transmits an approval request signal for electronic settlement to the value-added communication network 132 and transmits an approval request signal from the value- And receives a corresponding acknowledgment signal. Here, the approval request signal includes at least one of card alias information, membership number information, identification information, OTP information, virtual card number information, and resident registration number information. At this time, the card alias information is information input by a user's operation or command. On the other hand, the electronic settlement apparatus 130 confirms at least one of the telephone number information, the electronic payment application ID information, the name information, and the service subscription information in order to confirm the communication company member status in the process of authenticating the carrier information. At this time, the name information includes resident registration number information or telephone number information.

Meanwhile, the electronic settlement apparatus 130 may further include a cloud computing storage unit and a cloud computing unit for cloud computing. The cloud computing storage unit receives the settlement request information for specific user account information from the merchandise providing apparatus 122, receives the settlement means information from the terminal 110 having the identification information corresponding to the specific user account information, , When the OTP information corresponding to the payment means information is received from the terminal 110, the communication company apparatus 140 confirms the communication company member information for the terminal 110 using the communication company apparatus 140. If the communication company member information is confirmed as the authorized member, The OTP information is authenticated using the card issuing device 150, the transaction approval request signal for the main payment means is transmitted to the card issuing device 150, and after receiving the transaction approval response signal corresponding to the transaction approval request signal, 110 or the merchandise supply apparatus 122, and the cloud computing unit controls the merchandise supply apparatus 122, And allows the terminal 110 to read and write data to the storage medium.

A Value Added Network (VAN) 132 is a server operated by an additional communication network operator and connected between an electronic settlement apparatus 130 and a credit card issuing apparatus 150 connected via a value added communication network 132, And transmits and receives data.

The communication company apparatus 140 is connected to the communication network 120 to perform basic and supplementary service processing for a location where the terminal 110 can receive a voice or data communication service, a subscriber's incoming and outgoing call processing, Off procedure processing, interworking with other networks, and the like. When the communication company apparatus 140 receives a control signal to send a message authentication message from the electronic settlement apparatus 130 for member registration, the communication terminal apparatus 140 sends a message authentication message to the terminal 110 in a predetermined message format. At this time, the communication company apparatus 140 can use a message center to send a message authentication message to the terminal 110 in a predetermined message format. Meanwhile, the communication company apparatus 140 according to the present embodiment receives a request signal for the communication company member information from the electronic settlement apparatus 130, and transmits a response signal confirming whether or not the communication company member information is authenticated to the electronic settlement apparatus 130 ).

The card issuing device 150 is a device for performing payment approval for a financial settlement card such as an issued credit card or a check card and has a function of paying a fee corresponding to a payment request signal for a previously registered credit card or check card And authenticates information related to the credit card or check card.

2 is a block diagram schematically showing an electronic settlement apparatus according to the present embodiment.

The electronic settlement apparatus 130 according to the present embodiment includes a payment information receiving unit 210, a message sending unit 220, a payment means synchronization unit 230, a communication company information authentication unit 240, an approval unit 250, (260). In this embodiment, the electronic payment apparatus 130 includes a payment information receiving unit 210, a message sending unit 220, a payment means synchronizing unit 230, a communication company information authenticating unit 240, an accepting unit 250, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims. The present invention can be variously modified and applied to components included in the electronic settlement apparatus 130 without departing from the essential characteristics of the embodiment.

The payment information receiving unit 210 receives payment request information for specific user account information from the goods providing apparatus 122. [ The message sending unit 220 sends a push message for driving the electronic payment application to the terminal 110 having the identification information corresponding to the specific user account information. Here, the push message includes at least one of SMS, MMS, and IP-based messages. Also, the message sending unit 220 confirms whether or not the previously stored identification information exists, and when there is the previously stored identification information based on the check result, the message sending unit 220 transmits the push message to the terminal 110 having the previously stored identification information, If the stored identification information does not exist, it receives the identification information from the user terminal 114 connected to the merchandise supply apparatus 122, and transmits the push message to the terminal 110 having the received identification information.

The settlement unit synchronization unit 230 receives the settlement unit information from the terminal 110 having the identification information corresponding to the specific user account information and synchronizes the settlement unit information. Here, the identification information includes at least one of telephone number information, MDN, and ESN. Here, the payment means synchronization unit 230 may receive the payment means information, synchronize the payment method information, and inquire the corresponding member using the stored telephone number information and the electronic payment application ID information.

When the communication company information authentication unit 240 receives the OTP information corresponding to the payment means information from the terminal 110, the communication company information authentication unit 240 confirms the communication company member information for the terminal 110 using the communication company apparatus 140. [ Further, the communication company information authentication unit 240 authenticates the OTP information using the card issuing device 150 when the synchronized payment means information is credit card information. In addition, the communication company information authentication unit 240 checks at least one of the telephone number information, the electronic payment application ID information, the name information, and the service subscription information to confirm the communication company member status.

If the communication company member information is confirmed to be the authenticated member, the approval unit 250 transmits an approval request signal for electronic payment to the value added communication network 132 and receives an approval response signal corresponding to the approval request signal from the value- . The payment approval unit 260 authenticates the OTP information by using the card issuing machine 150 when the member information of the communication company is confirmed as an authenticated member and transmits a transaction approval request signal to the card payment apparatus 150 And transmits a settlement information verification completion signal to the terminal 110 or the merchandise supply apparatus 122 after receiving a transaction approval response signal corresponding to the transaction approval request signal. Here, the approval request signal includes at least one of card alias information, membership number information, identification information, OTP information, virtual card number information, and resident registration number information, and the transaction approval request signal includes card alias information, virtual card number information, OTP information, and the payment information verification completion signal includes link information for the result information page.

3 is a block diagram schematically showing a terminal according to the present embodiment.

The terminal 110 according to the present embodiment includes an application driver 310, a main payment means synchronization unit 320, an OTP information transmission unit 330 and a payment completion processing unit 340. The present embodiment describes that the terminal 110 includes only the application driver 310, the main payment means synchronization unit 320, the OTP information transmission unit 330 and the payment completion processing unit 340. However, It will be appreciated by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as set forth in the appended claims. It will be understood that the invention may be varied in many ways. The application driving unit 310, the main payment means synchronization unit 320, the OTP information transmission unit 330 and the payment completion processing unit 340 implemented in FIG. 3 may be implemented as the electronic payment application 112.

The application driving unit 310 drives the electronic payment application by the push message received from the electronic payment apparatus 130. [ That is, if the application driver 310 receives a push message including at least one of SMS, MMS, and IP-based messages, the application driver 310 may invoke the electronic payment application 112 installed. The main payment means synchronization unit 320 transmits the previously stored payment means information to the electronic settlement apparatus when the authentication information inputted to authenticate the settlement request information by the user's operation or command is authenticated. Here, the authentication information is PIN information for the electronic payment application.

When the main payment means is synchronized, the OTP information transmission unit 330 generates OTP information on the payment means information and transmits the generated OTP information to the electronic settlement apparatus 130. [ Hereinafter, the OTP information transmitting unit 330 generates OTP information. In order to perform electronic payment, the electronic payment application 112 is used to register the member registration and payment means. Receives the OTP authentication key according to the payment means, encodes it, and stores it. Accordingly, the OTP information transmitting unit 330 may generate and display the OTP information previously stored according to the selected payment means, or may transmit the OTP information directly to the electronic payment apparatus 130. [ For example, when the main payment means is synchronized, the OTP information transmission unit 330 generates and displays OTP information for the payment means information. After the user confirms the OTP information, the OTP information transmission unit 330 transmits the OTP information to the electronic settlement apparatus 130 You can enter it directly. In addition, when the payment means information is synchronized, the OTP information transmitting unit 330 may generate OTP information for the payment means information and then directly transmit the OTP information to the electronic settlement apparatus 130. [ The settlement completion processing unit 340 receives the settlement completion information from the electronic settlement apparatus 130 and displays it.

4 is a flowchart illustrating an electronic settlement method using credit card information according to the present embodiment.

The user accesses the goods providing device 122 via the user terminal 114 and then logs into the goods offering device 122 using his / her own user account (ID and password) In the case of purchasing specific product information among the goods information, the payment request information is selected (S410). At this time, since the merchandise supply apparatus 122 includes at least one of a web providing apparatus for providing specific merchandise information and a PG for linking to the electronic settlement apparatus 130 according to the settlement request information, the user terminal 114 may be connected to the electronic settlement apparatus 130 (S412).

The electronic settlement apparatus 130 receives settlement request information for specific user account information from the merchandise supply apparatus 122 and transmits an electronic settlement application 112 to the terminal 110 having the identification information corresponding to the specific user account information And sends a push message for driving (S414). In step S414, the electronic settlement apparatus 130 may request the user terminal 114 to provide identification information corresponding to user account information or to input OTP information. Here, the identification information includes at least one of telephone number information, MDN, and ESN. More specifically, the electronic payment apparatus 130 checks whether or not previously stored identification information exists, and if there is the previously stored identification information based on the confirmation result, Transmits the push message to the terminal 110 having the identification information, receives the identification information from the user terminal 114 connected to the goods supply device 122 when there is no previously stored identification information, Lt; RTI ID = 0.0 > 110 < / RTI > For example, after the user accesses the merchandise supply apparatus 122 through the user terminal 114, the user logs in the merchandise supply apparatus 122 using his / her own user account (ID and password) In the case of purchasing specific product information among the goods information to be transmitted, payment request information is selected. At this time, when the telephone number information corresponding to the identification information is stored in the user account, the electronic payment apparatus 130 transmits the push message to the terminal having the stored telephone number information, If the telephone number information is not stored in advance, the push message is transmitted using the inputted telephone number information after requesting the user to input. Here, the push message includes at least one of SMS, MMS, and IP-based messages.

The terminal 110 drives the electronic payment application 112 by the push message received from the electronic settlement apparatus 130 and if the authentication information inputted to authenticate the settlement request information by the user's operation or command is authenticated, The pre-stored payment means information is transmitted to the electronic payment apparatus 130 so that the main payment means is synchronized (S416). In step S416, when the terminal 110 receives a push message including at least one of SMS, MMS, and IP-based messages, the terminal 110 may invoke the electronic payment application 112 that is mounted. When the authentication information is authenticated to authenticate the settlement request information by the user's operation or command, the terminal 110 transmits the previously stored settlement means information to the electronic settlement apparatus. Here, the authentication information is PIN information for the electronic payment application. In addition, the electronic settlement apparatus 130 can receive the settlement means information and synchronize it, and inquire the corresponding member using the stored telephone number information and the electronic payment application ID information.

The electronic settlement apparatus 130 receives the settlement means information from the terminal 110, synchronizes the settlement means information, and inquires the corresponding member using the stored telephone number information and the electronic settlement application ID information (S418). When the main payment means is synchronized, the terminal 110 generates OTP information on the payment means information and transmits the OTP information to the electronic settlement apparatus 130 (S420). In step S420, the terminal 110 generates the OTP information. In order to perform the electronic payment, the electronic payment application 112 is used to register the member registration and payment means. Receives the OTP authentication key according to the means, encodes it, and stores it. Accordingly, the terminal 110 may generate and display the OTP information previously stored according to the selected payment means, or may transmit the OTP information directly to the electronic payment apparatus 130. [ For example, when the main payment means is synchronized, the terminal 110 generates and displays OTP information for the payment means information, and after the user confirms the OTP information, the terminal 110 directly inputs the OTP information to the electronic payment apparatus 130 using the user terminal 114 . In addition, when the main payment means is synchronized, the terminal 110 may generate OTP information for the payment means information and directly transmit the OTP information to the electronic payment apparatus 130. [

The electronic settlement apparatus 130 receives the OTP information corresponding to the payment means information from the terminal 110 (S422) and transmits the OTP information to the terminal 110 using the communication company apparatus 140 The communication company member information is confirmed (S424). On the other hand, in step S424, the electronic payment apparatus 130 confirms at least one of the telephone number information, the electronic payment application ID information, the name information, and the service subscription information in order to confirm the communication company member status in the process of authenticating the communication company information . At this time, when the synchronized payment means information is credit card information, the electronic payment apparatus 130 authenticates the OTP information using the credit card issuing apparatus 150. [

The communication company apparatus 140 receives a request signal for the communication company member information from the electronic settlement apparatus 130 and transmits a response signal to the electronic payment apparatus 130 confirming whether or not the communication company member information is authenticated (S426) . When the electronic payment apparatus 130 confirms that the member information of the communication company is authenticated, the electronic settlement apparatus 130 reflects the preferred payment means (line) information in the user account information connected to the goods supply apparatus 122 (S428). Here, step S428 is not necessarily essential and is omitted in some cases.

When the electronic payment apparatus 130 confirms that the member information of the carrier is authenticated, the electronic settlement apparatus 130 transmits an approval request signal for electronic settlement to the value-added communication network 132 (S430). Thereafter, the electronic settlement apparatus 130 may receive an approval response signal corresponding to the approval request signal from the value-added communication network 132. [ In step S430, the electronic settlement apparatus 130 may transmit a signal indicating that the OTP information input to the user terminal 114 connected to the merchandise supply apparatus 122 has been authenticated. Here, the approval request signal includes at least one of card alias information, membership number information, identification information, OTP information, virtual card number information, and resident registration number information. At this time, the card alias information is information input by a user's operation or command.

When the electronic settlement apparatus 130 transmits a transaction approval request signal to the main payment means to the merchandise supply apparatus 122, the merchandise supply apparatus 122 transmits a transaction approval request signal to the main payment means to the card issuing apparatus 150 (S432). At this time, the electronic settlement apparatus 130 can authenticate the OTP information using the card issuing apparatus 150. [ The card issuing machine 150 processes the transaction approval for the transaction approval request signal received from the goods provision device 122 and then transmits a transaction approval response (corresponding to the virtual card number information or the actual card number information) And transmits the signal to the goods providing apparatus 122 via the value added communication network 132 and the electronic settlement apparatus 130 (S434). Here, the transaction approval request signal includes at least one of card alias information, virtual card number information, and OTP information.

The merchandise supply apparatus 122 transmits a settlement information verification completion signal to the merchandise supply apparatus 122 (S436). In step S436, the merchandise supply device 122 receives the transaction approval response signal corresponding to the transaction approval request signal from the card issuing machine 150, and then transmits the settlement information verification completion signal to the goods supply device 122. [ Here, the payment information verification completion signal includes link information for the result information page. The terminal 110 or the user terminal 114 receives and displays the payment completion information from the goods provision apparatus 122 (S438).

4, it is described that steps S410 to S438 are sequentially executed. However, this is merely an example of the technical idea of the present embodiment, and it is obvious to those skilled in the art that the present embodiment It will be understood that various changes and modifications may be made to the invention without departing from the essential characteristics thereof, such as by changing the order described in FIG. 4 or by executing one or more of steps S410 through S438 in parallel, But is not limited thereto.

As described above, the electronic settlement method according to the embodiment described in FIG. 4 can be implemented by a program and recorded on a computer-readable recording medium. The computer-readable recording medium on which the program for implementing the electronic payment method according to the present embodiment is recorded includes all kinds of recording apparatuses in which data that can be read by the computer system is stored. Examples of such computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc., and also implemented in the form of a carrier wave (e.g., transmission over the Internet) . The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment can be easily inferred by programmers in the technical field to which the present embodiment belongs.

The foregoing description is merely illustrative of the technical idea of the present embodiment, and various modifications and changes may be made to those skilled in the art without departing from the essential characteristics of the embodiments. Therefore, the present embodiments are to be construed as illustrative rather than restrictive, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of the present embodiment should be construed according to the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

As described above, the present embodiment is applied to an electronic payment field using credit card information, and performs OTP, communication company or card company authentication according to the payment means information selected by the user in the process of performing electronic payment using credit card information So that the electronic settlement can be performed more safely.

110: terminal 112: electronic payment application
114: user terminal 120: communication network
122: goods providing apparatus 130: electronic payment apparatus
132: Value-added communication network 140:
150: Card issuer 210: Payment information receiver
220: message sending unit 230: payment means synchronization unit
240: communication company information authentication unit 250:
260: Payment acceptance unit 310: Application driver
320: Primary payment means synchronization unit 330: OTP information transmission unit
340: Payment completion processing section

Claims (14)

A merchandise providing apparatus for transmitting settlement request information for specific user account information to an electronic settlement apparatus;
When the payment request information is received, OTP information is authenticated after receiving payment means information and OTP (One Time Password) information corresponding to the payment means information from a device having identification information corresponding to the specific user account information An electronic settlement apparatus that performs settlement processing for the settlement request information using at least one of a communication company apparatus and a card issuing apparatus;
A terminal for receiving the settlement request information, the payment means information, and the OTP information to the electronic settlement apparatus and receiving and displaying settlement completion information from the electronic settlement apparatus; And
A communication company apparatus that receives a request signal for the communication company member information and transmits a response signal confirming whether or not the communication company member information is authenticated to the electronic settlement apparatus
Lt; / RTI >
The terminal is driven by a push message received from the electronic payment apparatus, and if the PIN information for the electronic payment application inputted to authenticate the payment request information by the user's operation or command is authenticated, And an electronic settlement application for transferring the electronic settlement application to the settlement apparatus. The method according to claim 1,
When the synchronized payment means information is credit card information, authenticates the OTP information,
The electronic settlement system further comprising: A payment information receiving unit for receiving payment request information for specific user account information from the goods providing apparatus;
And transmits the push message for driving the electronic payment application to the terminal having the previously stored identification information if there is the previously stored identification information based on the check result, A message sending unit for receiving the identification information from a user terminal connected to the goods providing apparatus when the identification information is not available and for transmitting the push message for driving the electronic payment application to the terminal having the received identification information;
A payment means synchronization unit for receiving and synchronizing the payment means information from the terminal having the identification information corresponding to the specific user account information, and inquiring the member using the stored phone number information and the electronic payment application ID information;
A communication company information authentication unit that receives the OTP information corresponding to the payment means information from the terminal and confirms the communication company member information for the terminal using the communication company apparatus; And
And transmits a transaction approval request signal for the payment means information synchronized to the credit card company apparatus using the card company apparatus when the communication company member information is confirmed as an authorized member, A settlement approval unit for transmitting a settlement information verification completion signal to the goods supply apparatus after receiving a corresponding transaction approval response signal,
The electronic settlement apparatus comprising: The method of claim 3,
The communication company information authenticating unit,
And when the synchronized payment means information is credit card information, authenticates the OTP information using the card issuer device. The method of claim 3,
Wherein,
A telephone number information, an MDN (Mobile Directory Number), and an ESN (Electronic Serial Number). delete delete The method of claim 3,
And transmits the approval request signal for electronic settlement to the value added communication network (VAN) when the member information of the communication company is confirmed as the authenticated member, and for receiving an approval response signal corresponding to the approval request signal,
The electronic payment apparatus further comprising: 9. The method of claim 8,
The approval request signal includes:
Card identification information, card nickname information, membership number information, the identification information, the OTP information, the virtual card number information, and the resident registration number information. The method of claim 3,
The transaction approval request signal,
Card nickname information, virtual card number information, and OTP information. The method of claim 3,
The communication company information authenticating unit,
And confirms at least one of telephone number information, electronic payment application ID information, name information, and service subscription information to confirm the communication company member status. The electronic settlement application activates the electronic settlement application by a push message received from the electronic settlement apparatus, the electronic settlement application transmits the settlement means information selected by the user's operation or command, and when the settlement means information is authenticated, An application driver for registering payment means information after storing the OTP authentication key;
A main payment means synchronization unit for transmitting previously stored payment means information to the electronic payment apparatus when the PIN information for the electronic payment application inputted to authenticate the payment request information by the user's operation or command is authenticated;
An OTP information transmission unit for generating OTP information for the payment means information and transmitting the OTP information to the electronic settlement apparatus when the payment means information is synchronized; And
A settlement completion processing unit for receiving and displaying settlement completion information from the electronic settlement apparatus,
And a second terminal. A method for performing electronic settlement using credit card information in an electronic settlement apparatus,
Receiving payment request information for specific user account information from the goods providing device;
If there is the stored identification information, transmits a push message to the terminal having the stored identification information, and if there is no stored identification information, identifies from the user terminal connected to the goods providing apparatus Receiving the information and transmitting the push message to the terminal having the modified identification information;
Receiving and synchronizing payment means information from a terminal having identification information corresponding to the specific user account information;
A step of inquiring the member using the pre-stored phone number information and the electronic payment application ID information after synchronization;
Receiving OTP information corresponding to the payment means information from the terminal, and checking the communication company member information for the terminal using the communication company apparatus;
Reflecting the preferred payment means information to the user account information connected to the merchandise supply apparatus when the communication company member information is confirmed as an authenticated member; And
And transmits a transaction approval request signal for the payment means information synchronized to the credit card company apparatus using the card company apparatus when the communication company member information is confirmed as an authorized member, A process of transmitting a payment information verification completion signal to the goods supply apparatus after receiving a corresponding transaction approval response signal
The method of claim 1, further comprising: A method for performing electronic settlement using credit card information in a terminal,
Driving an electronic payment application by a push message received from an electronic payment apparatus;
Transmitting the pre-stored payment means information to the electronic settlement apparatus when the PIN information for the electronic payment application entered to authenticate the payment request information by the user's operation or command is authenticated;
Generating OTP information for the payment means information when the payment means information is synchronized;
Registering member registration and payment means using an electronic payment application installed in the terminal, receiving and encoding an OTP authentication key according to the payment means, and storing the OTP authentication key;
Transmitting OTP information previously stored according to the selected payment means to the electronic settlement apparatus; And
The process of receiving and displaying the settlement completion information from the goods providing apparatus
The method of claim 1, further comprising:

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