KR101805813B1 - a integrated payment service assistance apparatus - Google Patents

Abstract

The present invention relates to an integrated payment service assistance apparatus and, more specifically, to an integrated payment service assistance apparatus which assists many and unspecified payers in performing a payment process by a payment means or a payment service desired by the payers without being dependent on a specific mobile/convenient payment service. The integrated payment service assistance apparatus comprises: a payment means information input unit to receive payment means information recognized from a payment means of a paying person from a payment information recognizer; an information analysis and extraction unit to extract payment transmission information after analyzing the payment means information inputted from the payment means information input unit; a payment progress information input unit to receive payment progress information required for payment progress by the payer or a payee; a payment progress information processing unit to analyze and process the payment progress information inputted from the payment progress information input unit; a payment transmission and progress transceiving unit to transmit the payment transmission information inputted from the information analysis and extraction unit and the payment progress information inputted from the payment progress information processing unit to a payment service-related person in a predetermined standard; and a payment service information management unit to store and manage a plurality of payment service providers to provide various payment services to allow a payment to be progressed by the payment means of the payer and payment service progress request information requested by each payment service provider.

Description

[0001] The present invention relates to an integrated payment service assistance apparatus,

The present invention relates to an integrated payment service support apparatus, and more particularly, to an integrated payment service support apparatus that supports an unspecified number of payers to perform settlement processing through a desired payment means or payment service without depending on a specific mobile / Service support apparatus.

A variety of simple settlement service providers are constantly emerging through large-scale telecommunication / financial service companies' own standards, methods, and certifications. However, in the case of a recipient who wishes to sell goods and services through the service, he or she must have an environment capable of requesting payment, approval and settlement for the payer who wishes to use the service. That is, each recipient must subscribe, approve procedures, and provide, maintain, and manage specific devices associated with the individual services provided by each mobile / simple payment service provider.

Also, in the case of a payer who wishes to settle through the mobile / simple settlement service, there is a restriction to install an application necessary for use or to purchase a specific portable terminal device in order to use a specific simple settlement service.

As mentioned above, payment services called various mobile or simple payment such as SSG of domestic Shinsegae, PayCho of NHN Entertainment, Global Samsung-LGP, Apple Pay, PayPal and the like are present and continue to increase.

In such a reality, the user (payer) has to join all the dozens of mobile / simple payment services to use the payment service supported online or offline, inconvenience to install the application on the smartphone or to manage the account .

Accordingly, there is a drawback that the payer (offline and online goods / service purchaser) and the payee (offline and online goods / service seller) can only utilize various mobile / simple payment services with limited use.

As a result, there is a demand for an integrated payment service support device that supports purchasers and recipients to purchase and sell goods / services through various mobile / simple payment services anytime and anywhere without restrictions. It is a fact that I can not.

The related prior art documents (Korean Patent Laid-Open Publication No. 10-2016-0022850) also disclose a variety of simple settlement services (mobile payment service ) Are not integrated into the technology that can support the payment service.

Korean Patent Laid-Open Publication No. 10-2016-0022850 (entitled "Simplified Payment System and Method Therefor in Electronic Commerce Using Telecommunication Network"

Disclosure of Invention Technical Problem [8] The present invention has been made to solve the above problems of the prior art, and it is an object of the present invention to provide a mobile payment method, The present invention relates to an integrated payment service supporting apparatus and a payment service supporting apparatus.

It is another object of the present invention to provide an integrated payment service support apparatus which can correspond to various payment methods and payment methods of a payer by configuring various payment information recognizers to be connectable with built-in or external type.

In addition, according to the present invention, various settlement services can be provided only by a single integrated payment service support device without installing respective recognition / identification devices for providing various mobile / simple settlement services, And to provide an integrated payment service support device capable of reducing the time, effort, and expense that the receiver has to spend in order to support the payment.

In addition, the present invention provides payment / settlement services such as a credit / debit card and the like, which are embedded in a terminal such as a mobile phone and an electronic device owned by a payer who wishes to use the mobile / It is possible to provide a payment service provider with only one integrated payment service support device without developing a separate device for recognizing means and processing authentication and the like, And to provide an integrated payment service support device capable of reducing time, effort, and cost to be performed.

According to another aspect of the present invention, there is provided a payment service support apparatus, comprising: payment means information receiving means for receiving payment means information recognized from a payment means of a payer, An information analyzing and extracting unit for analyzing the payment means information input from the payment means information input unit and extracting the payment transmission information, a settlement processing unit for receiving payment progress information necessary for the payment proceeding by the payer or remittee, An information input unit, a payment progress information processing unit for analyzing and processing the payment progress information input from the payment progress information input unit, a payment information transmitting unit for receiving payment transmission information input from the information analyzing and extracting unit and payment progress information input from the payment progress information processing unit Deciding in advance for service personnel A plurality of payment service providers for providing various payment services so that payment can be made to the payment means of the payer and payment service provision request information requested by each payment service provider are stored And a payment service information management unit for managing the payment service information.

At least one of the payment information recognizers may be connected to the integrated payment service support apparatus in a detachable manner or may be connected to the outside.

Herein, recognizing whether or not the at least one payment information recognizer is disconnected or connected, activating all of the payment information recognizers connected or connected, or activating only the selected payment information recognizer among the payment information recognizers connected or connected And a control unit.

The information display unit may be implemented as a touch screen, and the payment progress information input unit may be implemented on the touch screen. The information display unit may be configured to display the information to be recognized by the payer and the recipient during a payment process, .

In addition, the payment service information management unit may be configured to correspond to each settlement service provider, such as a type of settlement transmission information referred to by the information analysis and extraction unit, a settlement progress information format referred to by the settlement progress information processing unit, And stores and manages information on an information transmission standard referred to as an additional reference.

According to the integrated payment service support apparatus of the present invention having the above technical problems and the solution means, an unspecified number of payers do not depend on a specific mobile / simple payment service, but perform settlement processing through a desired payment means or a payment service This is an advantage that can be supported. This widens the choice of the payment means or settlement service of the payer and does not require any further action such as proceeding the subscription procedure for separate payment service and securing the application.

In addition, according to the present invention, since various payment information recognizers are configured to be connectable in a built-in or external form, it is possible to cope with various payment means and payment method of a payer.

In addition, according to the present invention, various payment services can be provided only by a single integrated payment service support device without installing respective recognition / identification devices for providing various mobile / simple payment services, It has the advantage of reducing the time, effort and expense of the recipient to support the service.

Further, according to the present invention, in the case of a mobile / simple settlement service provider, a credit / debit card having a built-in terminal such as a mobile phone and an electronic device possessed by a payer who wishes to use a mobile / It is possible to provide payment service providers with only one integrated payment service support device without developing a separate device for recognizing the payment means of the payment service provider and processing authentication, It is possible to reduce the time, effort and cost to be spent.

1 is a configuration block diagram of an integrated payment service support apparatus according to an embodiment of the present invention.
FIG. 2 is a schematic flowchart for explaining a payment service process using an integrated payment service support apparatus according to an embodiment of the present invention. Referring to FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of an integrated payment service supporting apparatus according to the present invention having the above-described problems, solutions and effects will be described in detail with reference to the accompanying drawings.

The sizes and shapes of the components shown in the drawings may be exaggerated for clarity and convenience. In addition, terms defined in consideration of the configuration and operation of the present invention may be changed according to the intention or custom of the user, the operator.

1 is a configuration block diagram of an integrated payment service support apparatus according to an embodiment of the present invention.

1, the integrated payment service support apparatus 10 according to the embodiment of the present invention recognizes the payment means information stored in the payment means 20, And transmits the requested payment transmission information to a specific transmission standard.

The payment means 20 according to the present invention includes various payment means such as a smart phone, an electronic credit card used by one or more credit cards in an electronic device, etc., Concept.

Further, the settlement service related person 30 according to the present invention may include a financial transaction approver such as a VAN provider, a PG provider, a transaction processor, and a financial transaction approver such as a credit card issuer, A payment service provider and a specific payment approval agent.

The integrated payment service support device according to the present invention can be applied to various payment services such as SSG of domestic Shinsegae, payphone of NHN entertainment, various mobile or simple payment such as Samsung-LG, PayPal, It is a device that supports services to be processed by integrating them into one device.

That is, the integrated payment service support device according to the present invention is a device that is stored and managed by a recipient such as a store operator, a seller, or the like, and is a device that supports payment so that the payment can be made by various payment services selected by the payment person.

To this end, the integrated payment service support apparatus 10 according to the present invention comprises a payment information recognizer 1 for recognizing payment means information from a payment means of a payer, a payment means information input portion 2 for receiving the payment means information, An information analyzing and extracting unit 3 for analyzing the means information and extracting the payment transmission information requested by the payment service related person, that is, the mobile / simple payment service provider, a payment progress information inputting unit 4 A payment progress information processing unit 5 for analyzing and processing the payment progress information, a payment transmission and progress information transmission / reception unit 5 for transmitting the payment transmission information and the payment progress information to a payment service related person (VAN company or a payment approval agent, etc.) (6) and the payment service provider (SSG, pager, etc.) and the payment service progress request information requested by the respective payment service providers And a settlement service information management unit 7 for managing the settlement service.

The settlement information recognizer 1 is a device for recognizing the settlement means information stored in the settlement means 20. The settlement information recognizer 1 is a device for recognizing the settlement means information including the financial transaction AID (Ask for ID) . Such a payment information recognizer 1 can be used for various types of communication methods such as a recognition device for various contact / non-contact communication such as NFC, RFID, Bluetooth, Zigbee, Wi-Fi recognition device, May include any device capable of recognizing the device.

At least one of the payment information recognizer 1 is connected to or installed in the integrated payment service support apparatus 10 according to the present invention. That is, the integrated payment service support apparatus 10 according to the present invention allows the payer to pay the payment by various payment methods and various payment methods (NFC-recognized or barcode-recognized), and reflects the preferences and preferences of various payer A plurality of various payment information recognizers 1 are mounted or connected.

In summary, at least one of the payment information recognizers 1 according to the present invention is connected to the integrated payment service support apparatus 10 according to the present invention in a detachable manner or connectable to the outside. That is, the payment information recognizer 1 may be installed in the integrated payment service support apparatus 10 according to the present invention, or may be separately connected to the outside through a connector or the like. Accordingly, a plurality of payment information recognizers 1 may be pre-installed and connected, or may be additionally connected to the outside. Of course, it can also be built in.

In this way, the billing information recognizer 1 according to the present invention can be built in or connected to the integrated billing service support apparatus 10. Accordingly, the payment information recognizer 1 connected to the integrated payment service support apparatus 10 according to the present invention may be added, changed, or removed separately.

The payment information recognizer 1 needs to be managed and controlled in terms of its type, connection status, activation status, and the like. To this end, the present invention further comprises a recognizer management and control unit 8 for managing the connection status of the payment information recognizer 1 and controlling whether the payment information recognizer 1 is activated or not.

That is, the integrated payment service support apparatus 10 according to the embodiment of the present invention recognizes whether the at least one payment information recognizer 1 is connected or disconnected, and identifies all of the payment information recognizer 1 connected or connected And a recognizer management and control unit 8 for activating only the selected payment information recognizer among the payment information recognizers that are activated or connected or connected.

The recognizer management and control unit 8 manages the information of the payment information recognizer 1 currently installed or connected and activates all the payment information recognizers 1 that are currently installed or connected, Only a specific payment information recognizer can be activated according to the payment information.

The activation status information of all of the payment information recognizers connected or connected to the selected payment information recognizer may be displayed on the information display unit 9 that can be configured in the integrated payment service support apparatus 10 of the present invention. For example, if the payer wants to pay the payment means through NFC recognition, the payee can activate the payment information recognizer 1 by NFC communication. Then, the information display unit 9 can display that the billing information recognizer 1 of the NFC communication is activated. Of course, the type of all the payment information recognizers 1 connected and connected can be displayed on the information display unit 9, which can be implemented by a touch screen or the like, and the recipient can touch one of them and activate it .

The payment information recognizer 1 recognizes the payment means information from the payment means of the payer in the activated state as described above. Then, the payment means information is input to the payment means information inputting section 2. That is, the payment means information input unit 2 receives the payment means information recognized by the payment means of the payer from the payment information recognizer 1.

The payment means information input to the payment means information input unit 2 is transmitted to the information analysis and extraction unit 3. Then, the information analyzing and extracting unit 3 analyzes the payment means information input from the payment means information input unit 2, extracts the payment transmission information, and transmits the extracted payment transmission information to the payment transmission and progress information transmission and reception unit 6 .

The payment transmission information extracted by the information analyzing and extracting unit 3 means information requested for payment processing to be transmitted to the payment service related person 30 for the payment service desired by the payer. As will be described later, the settlement service information management unit 7 stores and manages what information is to be transmitted for the settlement service, in correspondence with each settlement service related person, specifically, a mobile / simple settlement service provider.

Therefore, the information analyzing and extracting unit 3 refers to the information stored and managed in the payment service information management unit 7 and determines whether the type of the payment transmission information to be transmitted to the payment service provider for the corresponding payment service is And extracts only the payment transmission information from the inputted payment means information in consideration of the type of the recognized payment transmission information and transmits the extracted payment transmission information to the payment transmission and progress information transmission and reception unit 6.

The information analyzing and extracting unit 3 preferably has a function of receiving the encrypted payment means information and extracting the payment transmission information after performing the decryption processing. The information analyzing and extracting unit 3 may encrypt the extracted payment transmission information in a method requested by the payment service provider, and then transmit the encrypted payment transmission information to the payment transmission and progress information transmitting and receiving unit 6. Therefore, it is preferable that the payment service information management unit 7 additionally further stores and manages the encryption format of the payment transmission information requested by each payment service provider (mobile / simple payment service provider, etc.).

The payment transmission and progress information transmission / reception unit 6 receiving the payment transmission information from the information analysis and extraction unit 3 receives the settlement transmission information from the payment / And transmits the transmission information to the payment service related person (30). Accordingly, it is preferable that the settlement service information management unit 7 additionally further stores and manages the transmission standard format of the settlement transmission information requested by each settlement service provider (mobile / simple settlement service provider, etc.).

The payment transmission and progress information transmission / reception unit 6 not only transmits the payment transmission information, but also information corresponding to a password required for payment such as approval, that is, payment progress information, To the related party (30).

Accordingly, the payment transmission and progress information transmission / reception unit 6 transmits the payment transmission information inputted from the information analysis and extraction unit 3 and the payment progress information inputted from the payment progress information processing unit 5, which will be described later, (30) in a predetermined transmission standard.

The payment progress information such as a password for approval may be transmitted together with the payment transmission information, or may be transmitted after the payment transmission information is transmitted first, when the payment service related person 30 requests it . Whether the payment progress information is transmitted together with the settlement transmission information or separately is determined according to a request of the payment service provider, and the information on the payment progress information can also be stored and managed in the payment service information management unit 7.

The payment progress information is information required for payment proceeding such as approval of a password, password, password, signature, etc., as described above, and is input by the payment progress information input unit 4. Of course, the payment progress information input unit 4 may be a means for receiving a password or the like by a payer, and at the same time, a seller, that is, a receiver, may input information required to be input during a payment process such as price information.

That is, the payment progress information input unit 4 receives the payment progress information necessary for the payment progress by the payer or the payee. Since the payment progress information includes information such as a password for approval, it needs to be input in a format requested by the payment service provider, and it needs to be encrypted and transmitted in a specific format. Accordingly, the present invention includes a payment progress information processing unit 5 for analyzing and processing the payment progress information.

The payment progress information processing unit 5 analyzes and processes the payment progress information input from the payment progress information input unit 4. [ Specifically, the payment progress information processing unit 5 verifies whether payment progress information such as a password input from the payment progress information input unit 4 is input in a format requested by the payment service provider, And transmits the encrypted data to the payment transmission and progress information transmission / reception unit 6 in a form requested by the payment service provider.

To this end, the payment service information management unit 7 stores and manages the payment progress information format (for example, four-digit number in the password format) and the encryption format in correspondence with the payment service provider, The information processing unit 5 recognizes the format of the password or the like requested for the approval procedure by referring to the information stored and managed in the payment service information management unit 7 and notifies the password inputted by the payment progress information input unit 4 And so on.

As a result of the verification, if the payment progress information such as the password does not correspond to the format requested by the payment service provider (for example, when a five-digit number is input for requesting a four-digit password, , It indicates that the payment progress information such as a password has been wrongly entered in the information display section 9 to be described later and causes the payment person to input the payment progress information such as the password again.

On the contrary, if the payment progress information such as the password corresponds to the format requested by the payment service provider, payment of the password requested by the payment service provider from among the information stored and managed in the payment service information management unit 7 Referring to the encryption type of the progress information, encrypts the payment progress information in the corresponding encryption format, and transmits the encrypted information to the payment transmission and progress information transmission / reception unit 6.

Then, the payment transmission and progress information transmission / reception unit 6 transmits the payment progress information inputted from the payment progress information processing unit 5 together with the payment transmission information inputted from the information analysis and extraction unit 3, To the related party 30 in a predetermined transmission standard.

As described above, if the payment progress information such as the password does not correspond to the format requested by the payment service provider, it is necessary to notify the payer of the payment progress information. An information display unit 9 is provided.

The information display unit 9 plays a role of displaying information that can be recognized by the payer or payee in the course of the settlement process. Furthermore, the information display unit 9 may be implemented as a touch screen type and may function as an information input function for inputting various information.

That is, the integrated payment service support apparatus 10 according to the embodiment of the present invention further comprises an information display unit 9 for displaying information to be recognized by the payer and the remittee in the course of the settlement process, (9) is implemented by a touch screen, and the payment progress information input unit (4) is implemented on the touch screen.

Accordingly, the information display unit 9 displays various information to be recognized by the payer and remittee, and is implemented in the form of a touch screen, so that the payment progress information such as a password, a password, and a signature can be inputted. As a result, the payment progress information input unit 4 may be implemented on one side of the information display unit 9 implemented in the touch screen form. Therefore, there is an advantage that it is not necessary to separately configure a keypad for inputting a password and an input window for signing.

The integrated payment service support apparatus 10 according to the present invention configured as described above enables payment by various payment services selected by an unspecified number of payers. Accordingly, the integrated payment service support apparatus 10 according to the embodiment of the present invention may be configured such that the settlement processing is performed on the information related to various settlement services, that is, the respective settlement service provider information and the respective settlement service providers, And a payment service information management unit 7 that can store and manage information requested to be provided.

The settlement service information management unit 7 stores and manages settlement service progress request information requested by a plurality of settlement service providers and various settlement service providers that provide various settlement services so that settlement can be performed by the settlement means of the settlement person. Since the payment service provided by each payment service provider may be different in format, the payment service provision request information requested by each payment service provider is stored and managed, and the information is analyzed and extracted by the information analysis and extraction unit 3 ), The settlement progress information processing unit 5, and the settlement transmission and progress information transmission / reception unit 6 and the like. Here, the payment service progress request information indicates information on the type of payment transmission information, the type of payment progress information, the transmission standard, the encryption format, and the like.

Specifically, the settlement service information management unit 7 stores, in correspondence with each settlement service provider, the type of settlement transmission information referred to by the information analysis and extraction unit 3, the types of settlement information referred to by the settlement progress information processing unit 5 Progress information format, and the information transmission standard referred to by the payment transmission and progress information transmission / reception unit 6.

The information analyzing and extracting unit 3 may not transmit all of the inputting means information to the payment transmitting and progress information transmitting and receiving unit 6 but may also transmit the payment transmitting information requested by the payment service provider And transmits the extracted information to the payment transmission and progress information transmission / reception unit.

Specifically, the information analyzing and extracting unit 3 analyzes the inputted payment means information, recognizes what the payment service is intended to use by the payer, and refers to the payment service information managing unit 7, It is possible to confirm the kind of payment transmission information that is stored and managed in correspondence with the payment service provider that provides the payment service and extract only the payment transmission information from the analyzed payment method information.

On the other hand, the payment service information management unit 7 determines whether or not the information analysis and extraction unit 3 encrypts the extracted payment transmission information, that is, information about the encryption format, to the payment service provider providing the payment service And additionally stores and manages them. Accordingly, the information analyzing and extracting unit 3 encrypts the extracted payment transmission information in an encryption format requested by the payment service provider stored and managed in the payment service information management unit 7, and then transmits the payment transmission and progress information transmission / To the unit (6).

As described above, the payment progress information processing unit 5 verifies whether the payment progress information input to the payment progress information input unit 4 conforms to the payment progress information format requested by the payment service provider providing the payment service . Accordingly, the settlement service information management unit 7 can determine the settlement progress information format (for example, a four-digit number) corresponding to the settlement service provider providing the settlement service for reference by the settlement progress information processing unit 5 Password, etc.).

The settlement progress information processing unit 5 can also recognize through the information analysis and extraction unit 3 what the payment service desired by the payer who is analyzed by the information analysis and extraction unit 3 is . As a result, the payment progress information processing unit 5 can additionally recognize a payment service provider providing the recognized payment service. Then, the payment progress information processing unit 5 refers to the payment service information management unit 7, It is possible to know what type of the payment progress information is. Accordingly, the payment progress information processing unit 5 can verify whether the payment progress information such as the password input through the payment progress information input unit 4 conforms to the format requested by the payment service provider.

On the other hand, the payment service information management unit 7 manages a method of encrypting payment transmission information such as a password, which has been verified by the payment progress information processing unit 5, that is, a method of transmitting the information on the encryption format to a payment service provider As shown in FIG. Therefore, the payment progress information processing unit 5 encrypts the verified payment transmission information in an encryption format requested by the payment service provider stored and managed in the payment service information management unit 7, (6).

The payment transmission and progress information transmission / reception unit 6 receives the payment transmission information input from the information analysis / extraction unit 3 and the payment progress information input from the payment progress information processing unit 5 together or sequentially (30), and transmits it to the payment standard requested by the payment service provider. Accordingly, the payment service information management unit 7 stores and manages information on the transmission standard corresponding to the service provider providing the payment service.

The settlement transmission and progress information transmission / reception unit 6 notifies the information analyzing and extracting unit 3 through the information analysis / can do. As a result, the payment transmission and progress information transmission / reception unit 6 can additionally recognize a payment service provider providing the recognized payment service, and then refers to the payment service information management unit 7 to correspond to the payment service provider And can recognize the format of the transmission standard to be stored and managed. The payment transmission and progress information transmission / reception unit 6 can transmit the extracted payment transmission information and the verified payment progress information simultaneously or sequentially to the payment service related party 30 in the transmission standard.

Meanwhile, the payment transmission and progress information transmission / reception unit 6 transmits / receives information data for settlement processing with the payment service related person 30. Accordingly, the payment transmission and progress information transmission / reception unit 6 receives the information (for example, password input request information, approval procedure related information, and the like) transmitted from the payment service related person 30, So as to be displayed.

The integrated payment service support apparatus 10 described above allows the payment process to proceed through an unspecified number of payment service providers. Therefore, the payer can support all payment services without limiting the desired payment means or payment service.

The settlement process using the integrated payment service support apparatus 10 according to an embodiment of the present invention will now be described with reference to FIG.

First, a collective payment service support apparatus 10 is installed on the payee side, in which various settlement information recognizers are embedded or connected. In this state, the payer presents a desired payment means, and recognizes the payment means information from the payment means in a contact or non-contact manner using any one of the various payment information recognizers. Then, the payment means information is input to the payment means information input unit (S10).

The payment means information is transmitted to the information analyzing and extracting unit and analyzed. At this time, the information analyzing and extracting unit analyzes the payment means information and extracts what payment service the payer wants to use. Then, the payment transmission information is extracted from the payment means information by referring to what kind of payment transmission information the payment service provider is requesting from the information stored and managed in the payment service information management unit (S20).

The payment transmission information is transmitted to the payment transmission and progress information transmission / reception unit. Wherein the payment transmission and progress information transmission / reception unit recognizes the payment service extracted by the information analysis and extraction unit, and transmits the payment information requested by the payment service provider providing the payment service among the information stored and managed in the payment service information management unit After referring to the standard, the payment transmission information is transmitted in the transmission standard (S30).

Thereafter, the payment approval process is performed through the identity verification process, and the payment process can be completed through the approval completion report, settlement, etc. (S40).

On the other hand, in the identity verification process, when a password is input or signature is requested, the payer inputs payment progress information such as a password through the payment progress information input unit. Then, the payment progress information processing unit recognizes what payment service is extracted from the information analysis and extraction unit, and determines whether the payment service provider providing the payment service requests information And verifies whether the payment progress information format is correct for the input password or the like by referring to the payment progress information form.

As a result of the verification, if the format is not correct, the information display unit recognizes that there is an error in the format of the payment progress information such as the password, and the payment person again inputs the payment progress information corresponding to the password again.

If the format is correct, the payment progress information processing unit refers to the payment service information management unit to recognize the encryption format requested by the payment service provider, encrypts the verified payment transmission information in the encryption format, To the payment transmission and progress information transmission / reception unit. Then, the payment transmission and progress information transmission / reception unit transmits the verified payment progress information together with the payment transmission information or subsequently in the corresponding transmission standard in the payment service participant 30.

Although the embodiments according to the present invention have been described, it is to be understood that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the following claims.

1: payment information recognizer 2: payment means information input unit
3: Information analysis and extraction unit 4: Payment progress information input unit
5: payment progress information processing unit 6: payment transfer and progress information transmission /
7: Payment service information management unit 8: Identifier management and control unit
9: Information display unit 10: Integrated payment support device
20: Payment means 30: Payment service persons

Claims (5)

A payment service support apparatus comprising:
A payment means information input unit for receiving payment means information recognized from the payment means of the payer from the payment information recognizer;
An information analysis and extraction unit for analyzing the payment means information input from the payment means information input unit and extracting the payment transmission information;
A payment progress information input unit for inputting payment progress information necessary for payment progress by the payer or payee;
A payment progress information processing unit for analyzing and processing the payment progress information input from the payment progress information input unit;
A billing transmission and progress information transmission / reception unit for transmitting the payment transmission information input from the information analysis and extraction unit and the payment progress information input from the payment progress information processing unit to a payment service related person in a predetermined transmission standard;
A plurality of payment service providers for providing various payment services so that settlement can be performed by the settlement means of the payer and storage means for storing payment service provision request information requested by the settlement service providers, And a settlement service information management unit for storing and managing information on a settlement transmission information type referred to by the analysis and extraction unit, a settlement progress information format referred to by the settlement progress information processing unit, and an information transmission standard referred to by the settlement transmission and progress information transmission / Lt; / RTI >
The information analyzing and extracting unit analyzes the payment means information, recognizes a payment service to be used by the payer, refers to the payment service information management unit, and stores and manages the payment service provider in response to the payment service provider providing the recognized payment service Extracts only the payment transmission information among the analyzed payment method information in consideration of the type of the payment transmission information, transfers the extracted payment transmission information to the payment transmission and progress information transmission / reception unit,
Wherein the payment progress information processing unit recognizes the payment service to be used by the payer through the information analysis and extraction unit and refers to the payment service information management unit to recognize the payment progress information format stored and managed in correspondence with the payment service provider And only when the payment progress information input from the payment progress information input unit corresponds to the payment progress information format, the information is transmitted to the payment transmission and progress information transmission /
The settlement transmission and progress information transmission / reception unit recognizes the payment service to be used by the payer through the information analyzing and extracting unit, and refers to the payment service information management unit to receive the transmission standard format stored and managed corresponding to the payment service provider And transmits the payment progress information corresponding to the extracted payment transmission information and the payment progress information format to the payment service related person in the transmission standard.
The method according to claim 1,
Wherein at least one of the payment information recognizers is connected to the integrated payment service support apparatus in a detachable manner or is connectable to the outside.
The method of claim 2,
Recognizing whether or not the at least one payment information recognizer is connected or disconnected, activating all of the payment information recognizers connected or connected, or activating only the selected payment information recognizer among the payment information recognizers connected or connected to the reader / Wherein the integrated payment service supporting apparatus further comprises:
The method according to claim 1,
The information display unit is implemented by a touch screen, and the payment progress information input unit is implemented on the touch screen. The information display unit displays the information to be recognized by the payer and the recipient in the course of the settlement process. Features integrated payment service support.
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