KR101931801B1 - The system and method for making payment by combining separated credit card numbers - Google Patents

Abstract

The present invention provides a system for performing a payment by combining separated credit card numbers and a method thereof to resolve inconvenience of having to use a conventional reader when paying with a credit card. According to embodiments of the present invention, the system for performing a payment comprises: a smart card to store information from a plurality of credit cards and request a payment with a specific credit card selected by a user; a user device to transmit first division credit card numbers which are a portion of credit card numbers to the smart card and assign second division credit card numbers which are the remaining portion of the credit card numbers to transmit the second division credit card numbers to a server; the server to receive second division credit card numbers from the user device to store the second division credit card numbers, receive first division credit card numbers stored in the smart card from a seller device to combine the first division credit card numbers with previously stored second division credit card numbers to complete credit card numbers, and perform a payment with the completed credit card numbers; and the seller device to transfer seller information and first division credit card numbers received from the smart card to the server when a payment request signal and the first division credit card numbers are received from the smart card, and display payment completion information when a signal notifying that a payment is completed is received from the server.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a system and a method for performing settlement by combining separated card numbers,

The present invention relates to a system and method for performing settlement using a smart card having information of a plurality of credit cards. And more particularly, to a system and method for performing settlement by combining card numbers that are separated at the time of settlement while the card numbers of the credit cards are separated and stored in the smart card and the server.

With the development of Fintech, a variety of payment services are being developed that combine IT technology. In particular, attempts to integrate a number of cards and to simplify payment procedures are becoming a major concern. Recently, a smart card, which is a physical card that integrally manages a plurality of card information, has been developed. A smart card can be provided in the form of a much smaller and lighter credit card than a mobile electronic device, stores a plurality of card information, and offers the advantage that a specific card can be selected and used according to user's selection.

However, even if a smart card is used, there is still the inconvenience of using a conventional reader to transmit card information because the card payment is made through a method of scratching or inserting the card. In addition, since a general credit card or a conventional smart card stores the entire card number, there is a risk that the card number is stolen when the card is lost and payment can be made. Particularly, in the case where face-to-face settlement is impossible in the past, a card user has called payment information such as a card number, an expiration date, and a date of birth of the name of a cardholder to manually input information received by the seller and settle it by hand. However, such a payment method is not only inconvenient, but also has a problem that personal information of a user is exposed. Therefore, a settlement service method for solving such inconvenience is required. Meanwhile, Korean Patent Laid-Open No. 10-2008-0018580 exists as a related art.

Disclosure of the Invention The present invention has been made in order to solve the inconvenience of using a conventional reader for payment of a card and the risk of being stolen when a card is lost and a payment service method And the like.

A system for performing settlement according to an embodiment of the present invention includes a smart card for storing a plurality of card information and requesting payment with a specific card selected by a user, a first division card number being a part of a card number to the smart card, And a second division card number, which is a remaining part of the card number, to the server and transmits the second division card number to the server, wherein the second division card number is stored in the first division card A server for receiving a payment request signal and a first division card number from the smart card, the merchant information and the first division card number being received from the smart card; Transmits the first divided card number received from the smart card to the server And a seller device for displaying payment completion information upon receiving a signal from the server indicating that settlement has been completed.

A system for performing settlement according to an embodiment of the present invention includes a smart card for storing a plurality of card information and requesting payment with a specific card selected by a user, a first division card number being a part of a card number to the smart card, A second dividing card number requesting unit for receiving a second dividing card number request signal from the seller device and storing the second dividing card number request signal in the server, When receiving the partition type information and the user authentication information associated with the first partition card number stored in the card, the second partition card number having the same partition type as the user authentication information among the pre-stored card numbers, And a payment request signal from the smart card and a first division card number And transmits the division type information, the user authentication information, and the second division card number request signal to the server upon receiving the division type information and the user authentication information, and when receiving the second division card number from the server, And a seller device for completing the card number by combining the card number and the second division card number and performing handwritten settlement using the completed card number.

A method of performing payment according to an exemplary embodiment of the present invention includes dividing a card number into two according to partition type information, transmitting a first partition card number, partition type information, and user authentication information to a smart card, Dividing card number, partition type information, and user authentication information to the server, contacting the smart card with the seller device, transmitting the user authentication information and the first division card number and the division type information to the seller device, A first division card number, a division type information, and seller information received from the smart card by the device to the server; and a step in which the server authenticates the user authentication information and the division type information received from the seller device And selects the second divided card number and transmits it to the first division card Steps to complete in combination with performing the call and the payment server as a complete card number and may include the step of forwarding the payment approval notification to the seller of the device.

A method for performing payment according to an exemplary embodiment of the present invention divides a card number into two according to partition type information in a user device, transmits a first partition card number, partition type information, and user authentication information to a smart card, Dividing card number, partition type information, and user authentication information to the server, contacting the smart card with the seller device, transmitting the user authentication information and the first division card number and the division type information to the seller device, A step of transmitting to the server a user authentication information, a partition type information and a second partition card number request signal received from the smart card by the device, and a step of transmitting the user authentication information and the partition type information received from the seller device Selecting a bi-split card number and transmitting it to the merchant device; Group may comprise the step of performing the manipulation to complete payment card number, a combination of a first divided card number and a second divided card number received from the server is received from the smart card.

Various embodiments of the present invention can help secure credit card handset settlement through a simple method, even if the seller does not have all the information needed for payment, such as card number, expiration date, and date of birth of the name.

In addition, the various embodiments of the present invention do not store the entire card number in the credit card, so that it is possible to perform card settlement even if the financial chip and magnet and the conventional card reader are not used.

Also, various embodiments of the present invention may reduce the risk of lost-time fraud in using a smart card containing a plurality of card information.

1 is a configuration diagram showing a basic configuration of a payment system according to an embodiment of the present invention.
2 is a flowchart illustrating a process of transmitting a settlement signal in a settlement system according to an embodiment of the present invention.
3 is a diagram illustrating the structure of a server according to an embodiment of the present invention.
4 is a block diagram illustrating the structure of a user equipment according to an embodiment of the present invention.
5 is a diagram showing a smart card according to an embodiment of the present invention.
6 is a table showing an example of a card number division type according to an embodiment of the present invention.
FIG. 7 is a configuration diagram showing a configuration of a card settlement system according to a second embodiment of the present invention.
8 is a diagram illustrating a signal transmission process for payment in the payment system according to the second embodiment of the present invention.

Best Mode for Carrying Out the Invention Various embodiments of the present invention will be described below with reference to the accompanying drawings. The various embodiments of the present invention are capable of various changes and may have various embodiments, and specific embodiments are illustrated in the drawings and the detailed description is described with reference to the drawings. It should be understood, however, that it is not intended to limit the various embodiments of the invention to the specific embodiments, but includes all changes and / or equivalents and alternatives falling within the spirit and scope of the various embodiments of the invention.

The use of "including" or "including" in various embodiments of the present invention can be used to refer to the presence of a corresponding function, operation or component, etc., which is disclosed, Components and the like.

The terminology used in the various embodiments of the present invention is used only to describe a specific embodiment and is not intended to limit the various embodiments of the present invention. The singular expressions include plural expressions unless the context clearly dictates otherwise.

Herein, for the sake of convenience, the divided card number stored in the smart card refers to the first divided card number, and the divided card number stored on the server side refers to the second divided card number .

1 is a configuration diagram showing a basic configuration of a payment system according to an embodiment of the present invention.

1 shows a user device 200, a server 250, a smart card 300, a seller device 350, 351, and a financial company 400. The seller device 350 may mean a mobile device, and 351 denotes a payment terminal supporting the Bluetooth method can do.

Referring to FIG. 1, a user first transmits 8 digits of a 16-digit card number of his / her card to the smart card 300 using the user device 200 (e.g., a user's smartphone), and transmits the remaining 8 digits to the server 250 . The server 250 shown in FIG. 1 according to an embodiment of the present invention may serve as a VAN server connecting a seller and a financial institution. In other words, the server 250 according to the first embodiment may be a VAN server and a smart card server supporting the use of the smart card 300.

The smart card 300 contacts the seller devices 350 and 351 to transmit the 8-digit card number, and the seller devices 351 and 351 can transmit the received 8-digit card number to the server 250 side. Then, the server 250 completes 16 digits by combining the previously stored 8-digit card number with the received 8-digit card number, and requests the financial company 400 to settle the card using the completed 16-digit card number. 351 < / RTI >

Referring to FIG. 2, a detailed description will be given of the process of settlement in the settlement system.

2 is a flowchart illustrating a process of transmitting a settlement signal in a settlement system according to an embodiment of the present invention.

The payment system of the present invention may include a user device 200, a server 250, a smart card 300, a seller device 350, and a financial company 400.

The user device 200 can perform the operation S230 of transmitting the eight-digit card number (second divided card number) of the sixteen-digit card number to the server 250. [ At the same time, the user device 200 can perform S231 operation of transmitting the remaining 8-digit card number (first partition card number) to the smart card 300 side. In this case, the operation S230 and the operation S231 may be performed simultaneously, or the order may be changed. The reference and method for dividing the 16-digit card number into eight digits will be described later.

The user device 200 can perform user authentication before dividing the card number into 8 digits and transmitting the card number to the server 250 and the smart card 300 side. The user authentication may be performed by inputting a card password, and the user authentication may include sensor recognition such as fingerprint recognition according to various embodiments. When the user authentication is performed in the user device 200, the user authentication information used for authentication may be encrypted and transmitted to the server 250.

When the user wishes to make a payment through the smart card 300, the smart card 300 can perform the operation S235 of requesting the seller device 350 to perform user authentication and settlement. At this time, the user may select a card to be settled out of a plurality of pre-stored cards in the smart card 300, and then perform the operation S235 of requesting settlement by contacting the smart card 300 to the seller device 350. [ In this case, the smart card 300 is capable of communicating with various devices. Accordingly, the merchant device 350 may be equipped with a conventional card payment terminal, an electronic device using a Bluetooth communication system such as Bluetooth low energy (BLE) For example, a smart phone, a BLE payment terminal, etc.).

In operation S235, the user can input a password to the smart card 300 for user authentication. The smart card 300 may be designed to include a numeric input button for inputting a password for user authentication. Or the smart card 300 may include a fingerprint sensor. Therefore, the user can perform the user authentication by inputting the password previously set in the user device 200 by the smart card 300 for user authentication before the card settlement. Alternatively, the user can perform authentication of the user by using a sensor (e.g., a fingerprint sensor) for authentication of the user attached to the smart card 300 to authenticate the user before card settlement.

Alternatively, the user authentication information may be stored in the smart card 300. The user authentication information may be transmitted to the smart card 300 together with the first partition card number after being input by the user device 200. [ The user can periodically change the user authentication information on the user device 200, and the user device 200 can transmit the changed user authentication information to the smart card 300 and the server 250 side.

The smart card 300 may transmit the user authentication information (e.g., password) input from the smart card 300 and the first partition card number stored in the smart card to the seller device 350 during the operation S235 of requesting payment. At this time, the password and the 8-digit card number may be encrypted information.

When the S235 operation is performed, the seller device 350 can perform the operation S240 of transmitting the encrypted user authentication information, the 8-digit card number (first partition card number), and the seller information transmitted to the server 250 side. At this time, the seller information may include a seller's business name, account information, and the like.

Thereafter, the server 250 receives the seller information, the user authentication information, the first divided card number of the card to be paid out from the seller device 350, and the 8th digit of the received card number, It is possible to perform the operation S245 for confirming whether or not to match. The server 250 may compare the user authentication information when combining the first partitioned card number and the second partitioned card number.

In order to confirm the user authentication information before the card numbers are combined, the server 250 may search for the second divided card number to be combined with the input first divided card number among the numerous card numbers issued in 16 digits more easily . In addition, since there may be a plurality of second division card numbers that can be combined with the input first division card number, the server 250 correctly identifies a card to be settled out of a plurality of second division card numbers that can be combined, You need to check your credentials in order to pay. Accordingly, the server 250 can check whether the user authentication information transmitted from the seller device 350 matches the user authentication information previously stored in the server 250 before completing the 16-digit card number. If the user authentication information matches, the server 250 may perform an operation of combining the second divided card number of the user with the first partitioned card number transmitted from the seller device 350.

If the number of types of cards stored by the user in the server 250 is large, the server 250 can further determine whether the partition information is identical by dividing the partition type, and complete the 16-digit card number. For example, a total of three cards divided by the user into smart cards 300 and 250 are stored, and the A cards are divided into type 1, the B cards into type 2, the C cards into type 3, And the seller device 350 has tried payment. At this time, the server 250 can confirm that the division type of the first division card number transmitted from the seller device 350 side is type 1. The server 250 can confirm that the type-1-divided card of the authorized user's card number list is the A card, and can combine the divided card information to complete the 16-digit card number.

After the user authentication and the 16-digit card number check are completed, the server 250 can perform the operation S250 of requesting payment to the financial company 400. The financial company 400 determines whether the card is over the limit or not, and if there is no abnormality, the financial company 400 approves the payment and transmits the information to the server 250 side. Then, the server 250 can perform the operation S260 of notifying the seller device 350 of the completion of the payment approval.

The structure of the server 250 and the user terminal 200 constituting the system of the present invention will be described with reference to FIGS. 3 and 4. FIG.

3 is a diagram illustrating the structure of a server according to an embodiment of the present invention.

First, the server 250 may include a communication unit 251, a storage unit 252, and a control unit 255. The storage unit 252 may include user authentication information 253 and a card number DB 254, and the control unit 255 may include a user authentication unit 256 and a card number combination unit 257.

The communication unit 251 according to the embodiment of the present invention can communicate with the user device 200, the seller device 350, and the server of the financial company 400. The communication unit 251 can receive the second division card number and the user authentication information transmitted from the user equipment 200. According to various embodiments, when the communication unit 251 receives the second division card number from the user device 200, the communication unit 251 may receive the division type information of the card number together. The communication unit 251 can receive the user authentication information, the second partition card number, the partition type information of the corresponding card, the seller information, and the like from the seller device 350. After completing the 16-digit card number, the communication unit 251 may transmit a settlement request signal to the financial company 400 using the completed card number. The communication unit 251 receives the settlement approval signal transmitted from the financial company 400 and can transmit the information to the seller apparatus 350 again.

The storage unit 252 may store programs and data required for card number combination and payment. The storage unit 252 according to the embodiment of the present invention may include user authentication information 253 and a card number DB 254. The storage unit 252 may store the second partition card number and the user authentication information received from the user device 200 in the storage unit 252 and use the stored information to complete the 16-digit card number.

The controller 255 can control various operations in the server 250. The control unit 255 may include a user authentication unit 256 and a card number combining unit 257 according to an embodiment of the present invention.

The user authentication unit 256 can compare the user authentication information in the payment request signal received through the communication unit 251 with the previously stored user authentication information 253 and determine whether or not the user authentication information matches. The user authentication information received by the communication unit 251 may be information input from the smart card 300 and transmitted to the seller apparatus 350 and transmitted to the server 250. The user authentication information may be a password or a fingerprint that the user inputs to the card when the user uses the card. Alternatively, the user authentication information may be the password stored in the smart card 300 and the server 250 when the card number is divided. In this case, the user authentication information may be stored in the smart card 300 even though it is not input in the smart card 300, so that it may be transmitted to the seller device 350 together with the first division card number. The seller device 350 can transmit the received user authentication information and the first partitioned card number to the server 250 side.

If the user authentication information of the payment signal received through the communication unit 251 matches the elapsed stored user authentication information that the user authentication unit 256 has performed the user authentication, the card number combination unit 257 can perform the next step. The card number combining unit 257 can complete 16 digits by combining the card numbers having the same partition type among the cards held by the authenticated user. At this time, the data used for the 16-digit card number combination may be the second divided card number previously stored in the storage unit 252 and the first partitioned card number received from the seller apparatus 350.

According to various embodiments of the present invention, the control unit 255 may further perform a check operation after completing the combination of 16-digit card numbers. For example, the user device 200 may calculate a value obtained by multiplying the sum of digits of 16 digits at the time of division or a specific number for each digit number (e.g., (5 * 1) + (1 * 2) + (2 * 3) + (3 * 4) + (6 * 5) + 6 * 6 + 7 * 7 + 8 * 8 + 7 * 10 + * 12) + (1 * 13) + (4 * 14) + (8 * 15) + (4 * 16) and transmits the calculated value to the server 250 for checking. When the sixteen-digit card number is completed, the checking process can be performed to increase the clarity of the card number combination.

When the card number combination is completed, the controller 255 controls the communication unit 251 to transmit a settlement request signal to the financial company 400 corresponding to the payment card. When the control unit 255 receives the payment approval signal from the financial institution 400 in the communication unit 251, the control unit 255 can control the communication unit 251 to transmit information informing that the seller device 350 has been approved.

4 is a block diagram illustrating the structure of a user equipment according to an embodiment of the present invention.

4 may include at least one of, for example, a smart phone, a tablet PC, a mobile phone, an electronic book reader, a desktop PC, and a wearable device.

The user device 200 may include a communication unit 210, a display unit 215, an input unit 220, a storage unit 225, and a control unit 230. The control unit 230 may include a card number division unit 231 and a user authentication information setting unit 232.

The communication unit 210 may include at least a Wi-Fi module, a cellular module, a Bluetooth module, a GPS module, an NFC module, and an RF module.

The communication unit 210 according to the embodiment of the present invention can perform communication between the user device 200 and the server 250, and communication between the user device 200 and the smart card 300.

The display unit 215 can display the input information. The display unit 215 according to the embodiment of the present invention can display user authentication information, a card number, and the like input by a user. The display unit 215 may display to the user a series of processes performed when the user divides and stores the card information on the server and the smart card 300 side.

The input unit 220 may include a key input unit, a touch panel, and the like. The touch panel of the input unit 220 may be integrated with the display unit 215. The input unit 220 may further include a fingerprint recognition sensor, a camera sensor, and the like.

The input unit 220 according to the embodiment of the present invention can receive the card information to be divided and stored in the smart card 300 and the server 250 side by the user. Also, the input unit 220 may receive a password or other authentication information to be used as user authentication information according to various embodiments.

The storage unit 225 may store data and applications required to perform operations related to card number division and user authentication information setting according to an embodiment of the present invention.

The controller 230 may control various operations performed by the user equipment 200. The controller 230 may divide the 16-digit card number input by the user into two 8-digit numbers according to an embodiment of the present invention. At this time, the controller 230 can perform the operation on the smart card registration application. The control unit 230 may perform the card number dividing operation based on the card number dividing unit 231 and the user authentication information setting unit 232.

When the user intends to input credit card information owned by the user into the smart card 300, the card number partitioning unit 231 may divide the 16-digit card number into two 8-digit numbers. In this case, the two 8-digit numbers may be transmitted to the server 250 and the smart card 300, respectively. According to various embodiments, the card number dividing unit 231 may divide the card number based on predetermined conditions. This will be described later with reference to FIG.

The card number partitioning unit 231 may further generate information on the partition type and may support the partition type information to be transmitted to the server 250 or the smart card 300 side through the communication unit 210 together with the partitioned card number.

The user authentication information setting unit 232 can support setting of user authentication information, which is information required when the divided card numbers are later combined. The user authentication information setting unit 232 can set user authentication information using at least one of a password, fingerprint information, and other passwords. When the user sets a password as means for proving himself / herself based on the user authentication information setting unit 232, the information that the communication unit 210 transmits to the server 250 and the smart card 300 includes the first partition card number and the user authentication password can do.

In FIG. 4, the user device 200 performs card number division and user authentication, and transmits the result to the server 250 and the smart card 300. However, the present invention is not limited to this, and the card number dividing unit 231 and the user authentication information setting unit 232 in the user equipment 200 may exist in the server 250 according to various embodiments. The user device 200 may access a page provided by the server 250 and perform a card number dividing operation and user authentication information setting.

5 is a diagram showing a smart card according to an embodiment of the present invention.

Referring to FIG. 5, the smart card 300 may include a display window 501, a key input unit 505, and a power button 503. The display window 501 is an area capable of displaying information of a selected card among a plurality of cards stored in the smart card 300 (for example, first divided card information, valid period, battery remaining amount information of a smart card, card name, etc.).

The key input unit 505 has a key for receiving a user input so as to select a specific card among a plurality of cards, and may be configured by an arrow key. Also, the key input unit 505 may include a numeric key, not shown in the figure, for allowing a user to input a number (e.g., a password for user authentication).

A power button 503 is a button for switching the power supply of the smart card 300 ON or OFF. If the user does not perform settlement for efficient battery operation of the smart card 300, the user can turn off the power by pressing the power button 503.

According to various embodiments, the time for inputting the user authentication information in the smart card 300 may be a time point immediately before the payment is performed or a time point when the power of the smart card 300 is turned on by pressing the power button 503. According to various exemplary embodiments, the smart card 300 may be configured to turn on the power and receive user authentication information, and not to perform a payment request operation if the input information does not match preset user authentication information.

6 is a table showing an example of a card number division type according to an embodiment of the present invention.

As shown in FIG. 6, Type 1 assigns the first, second, third, fourth, fifth, sixth, seventh and eighth numbers of the 16 card numbers to the smart card 300, and 9, 10, 11, 12, 13, And the 14th, 15th, and 16th numbers are assigned to the server 250. Type 2 assigns 1,2,3,4,13,14,15,16 numbers to smart card 300 and 5,6,7,8,9,10,11,12 numbers to server 250 Method. Type 3 assigns numbers 1, 3, 5, 7, 9, 11, 13, and 15 to smart card 300 and assigns numbers 2, 4, 6, 8, 10, 12, 14, Method. Type 4 assigns 1,2,3,4,9,10,11,12, th numbers to smart card 300, and assigns 5,6,7,8,13,14,15,16 numbers to be. Type 5 assigns numbers 1, 3, 5, 7, 9, 11, 13, and 15 to the smart card 300 if the sum of the digits of the 16 digits is odd, and 2,4,6,8,10,12,14 , 16 are assigned to the server 250, and when the sum of digits is an even number, the numbers 2, 4, 6, 8, 10, 12, 14, 16 are allocated to the smart card 300, And the 13th and 15th numbers are assigned to the server 250.

As described above, in the card number division method according to the embodiment of the present invention, a certain card number of all the card numbers may be allocated to the smart card and the remaining numbers may be assigned to the server. However, for enhanced security, the division type of the card number may be determined according to the card number, the division date, or the like.

According to various embodiments of the present invention, the division scheme of the card number may be the same as the division type 5 shown in FIG. Partition type 5 is an example of a partition type in which an appropriate operation is performed for each digit of the entire card number, a certain card number is selected in accordance with the operation result, and is allocated to the smart card and the remaining number is allocated to the server. In this case, the conditional formula for determining the division type may be a method of multiplying the card number by a predetermined value, or a formula based on the date or time information for performing the division.

In addition, according to various embodiments, the card number can be divided into 7 digits, 9 digits, 6 digits, and 10 digits in addition to the method of dividing into 8 digits and 8 digits.

Although some examples are given for the type of card number assignment in Fig. 6, it is not limited thereto, and it is possible to divide it in a more various manner. The smart card 300 and the server 250 may store information on the partition type together with the 8-digit card number allocated thereto.

According to various embodiments, the partition type may be created as many as the number of types of cards owned by an individual. For example, if user A registers the first card, the first card may be divided into type 1. And if A again registers the second card, the split type of the second card can be type 2. As described above, the card number dividing unit 231 of the user device 200 can set the division type differently according to the type of the card. Assuming that A has registered 8 kinds of cards and all 8 are divided into type 1, the server 250 can identify 8 card numbers classified as A user number among a plurality of stored card number data, It is impossible to judge which card number among the card numbers should be combined.

That is, in order for the server 250 to complete the card number combination, each card held by the individual needs to be divided into different types.

user Split type card number A 01 12345678 A 02 14567890 A 04 23456789 B 02 34567890 B 03 56789012 C 01 89012345 C 04 51236678

Assume that the server 250 stores the user information, the partition type, and the card number as described above. The server 250 receives the 8-digit card number '98765432' corresponding to the partition type 01 from the smart card of the user A through the seller device. In this case, the server 250 can determine that the card having the partition type 01 of '12345678' among the three cards held by the user A is a card to be combined. And since the partition type 01 is a method of assigning the first, second, third, fourth, fifth, sixth, seventh and eighth numbers to the smart card, the combined card number may be '9876543212345678'.

The type of dividing the card number needs to be provided as much as the type of the card owned by the individual, so that it can be made in a much wider variety than that shown in FIG. And the type of partition may be determined based on the result of performing a particular operation based on a 16-digit number, such as type 5.

FIG. 7 is a configuration diagram showing a configuration of a card settlement system according to a second embodiment of the present invention.

7, the user device 200 may divide the 16-digit card number into 8 digits and transmit the 8-digit number to the smart card 300 and the server 250, respectively. The above contents are the same as the embodiment of Fig. However, in the embodiment shown in FIG. 7, the server 250 has directly operated as a server of the VAN server and communicated with the financial company. In the embodiment shown in FIG. 7, the completed card number is encrypted and provided to the seller device 350. At this time, the seller device 350 can proceed with settlement using the hand payment method. When the merchant device 350 requests handset settlement to the financial institution 400 using the 16-digit completed card number obtained by combining the smart card 300 and the 8-digit card number received from the server 250 side, the financial company 400 server determines whether or not the payment can be made, can do.

8 is a diagram illustrating a signal transmission process for payment in the payment system according to the second embodiment of the present invention.

8, the user device 200 can perform the operation S801 of transmitting the divided 8-digit card number to the server 250 side. At the same time, the user device 200 can perform the operation S803 of transmitting the remaining 8-digit card number to the smart card 300 side. At this time, the information transmitted from the user device 200 to the smart card 300 and the server 250 may include user authentication information, a card number division type, a check value, etc. in addition to the 8-digit card number.

The smart card 300 may perform the operation S805 of transmitting the payment request and the 8-digit card number to the seller device 350 to perform settlement. At this time, the smart card 300 can transmit payment information (8-digit card number, user authentication information, etc.) to the seller device 350 using the local communication method. At this time, the seller device 350 may be in a state of driving a payment application for payment of handwriting. The seller device 350 may display a display window for receiving a card number. If the card number is transmitted from the smart card 300 to the seller device 350 by the operation S805 in this state, the seller device 350 can display the 8-digit first divided card number transferred to the screen. The delivered first partitioned card number may be in an encrypted state.

Then, the seller device 350 can perform the operation S807 of requesting the server 250 for the remaining 8-digit card number. At this time, the seller device 350 may transmit a signal to the server 250 including the user authentication information and the division type information received from the smart card 300.

Upon receipt of the signal from the seller device 350 in operation S807, the server 250 may perform the operation S809 of determining the user authentication information and the division type information, and then transmitting the corresponding second divided card number to the seller device 350. [ In the seller device 350, the second division card number received from the server 250 may be encrypted and displayed. And the second divided card number may be transmitted together with the partition type information so that the card number 16 digits can be combined without much difficulty on the side of the seller device 350. [

 The server 250 may combine the first division card number received from the seller apparatus 350 and the second division card number previously stored in the server 250 according to various embodiments and transmit the completed 16-digit card number to the seller apparatus 350.

According to the above description, if the 16 digits of the card to be paid by the user is input to the seller device 350, the seller device 350 can perform the operation S811 of requesting the financial company 400 to settle the transaction. Then, the financial company 400 can approve the settlement and perform the operation S813 of transferring the information informing the completion of the approval to the seller device 350. [

At this time, the seller device 350 may attempt to settle the payment using the hand-held payment method with the encrypted 16-digit card number. The seller device 350 can send a payment request directly to the financial company 400 that has entered into the coupon. However, the present invention is not limited to this method, and the seller device 350 may attempt to deal with the financial company 400 through a payment gateway (PG) supporting the hand-held payment service. At this time, the seller device 350 can perform handwritten settlement using the payment application supported by the PG company.

That is, the server 250 and the smart card 300 according to the embodiment of the present invention can complete the 16-digit card number by transmitting an 8-digit card number to the seller device 350 in which a page for performing handwritten payment is displayed, respectively.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. And the like. Accordingly, the scope of various embodiments of the present invention should be construed as being included in the scope of various embodiments of the present invention without departing from the scope of the present invention, all changes or modifications derived from the technical idea of various embodiments of the present invention .

200: user equipment 256: user authentication unit
230: control unit of user equipment 257: card number combination unit
231: Card number minute installment 300: Smart card
232: user authentication information setting unit 350: seller equipment
250: server 400: financial institution
251: communication section of the server
252: storage unit of the server
253: User authentication information
254: Card number DB
255: Control section of the server

Claims (13)

A system for performing settlement with a smart card,
A smart card for storing a plurality of card information and requesting payment with a specific card selected by the user;
Dividing the entire card number into a first partitioned card number and a second partitioned card number according to a partition type, wherein when a plurality of cards are registered in the smart card, each card is divided into different partition types, And transmits a first partitioned card number, which is a part of the card number, to the smart card, and allocates and transmits a second partitioned card number, which is a remaining part of the card number, to the server and transmits the information on the partition type and the user authentication A user device for transmitting information to a smart card and a server, respectively;
Receiving the first division card number stored in the smart card from the seller device and combining the second division card number with the previously stored second division card number to complete the card number, When receiving the information on the partition type stored in the smart card from the device, the first partition card number, and the user authentication information, the user authentication information and the second partition A server for extracting a card number, completing the entire card number by combining it with the received first division card number, and performing settlement with the completed card number; And
When receiving the payment request signal and the first partition card number from the smart card, transmits the seller information and the first partition card number received from the smart card to the server, and when receiving a signal from the server indicating that payment is completed, And a seller device for displaying completion information,
The user equipment
Performs a predetermined operation on each digit of the entire card number, selects a card number division type according to the calculation result,
The calculation method for generating a correction value is performed by performing a specific operation on the card number before division of the card number, and the correction value is transmitted together when the divided card number is transmitted. In the calculation method for generating the correction value, And a method of calculating a sum of a number obtained by multiplying each digit number constituting the card number before division by a specific number,
The server
After completing the card number by combining the two card numbers thus divided, it is determined whether or not the derived value is the same as that performed by the user device with the completed card number, And requests payment with the completed card number. delete delete delete The method according to claim 1,
The user equipment
Wherein a card number is divided into a plurality of card numbers by allocating some of the card numbers to the smart card and allocating the remaining numbers to the server. delete The method according to claim 1,
The smart card
And a key input unit for inputting a password corresponding to user authentication information set by the user device. delete delete A method for performing a payment with a smart card,
The user device divides the card number into the first partition card number and the second partition card number according to the partition type and divides each card into different partition types when registering a plurality of cards in the smart card, Transmitting the split card number, partition type information, and user authentication information to the smart card, transmitting the second partition card number, partition type information, and user authentication information to the server;
Transmitting the user authentication information and the first partition card number and partition type information to the seller device by contacting the smart card with the seller device;
Transmitting the user authentication information, the first partition card number, the partition type information, and the seller information received from the smart card to the server;
Selecting a second partitioned card number in which the server matches the user authentication information and partition type information received from the seller device, and combining the first partitioned card number with the first partitioned card number received from the seller device; And
The server performing settlement with a completed card number and delivering a settlement approval notification to the seller device
The step of transmitting the first divided card number, partition type information and user authentication information to the smart card, and transmitting the second partition card number, partition type information and user authentication information to the server
Performing a predetermined operation on each digit of the entire card number and selecting a card number division type according to the calculation result; And
Wherein the user equipment performs a specific operation on a card number before the card number division to generate a correction value and transmits the correction value when transmitting the divided card number,
The calculation method for generating the correction value includes a method of calculating the sum of the digits of the card number before division and a method of calculating the sum of the numbers obtained by multiplying each digit number constituting the card number before division by a specific number,
The step of combining and completing
The server completes the card number by combining the two card numbers obtained by dividing the card, and then performs the same calculation as that performed by the user device with the completed card number, and judges whether the derived value coincides with the check value And requesting settlement with the completed card number if it is matched.
11. The method of claim 10,
If the user equipment divides the card number into two according to the partition type information and transmits only the first partition card number and the partition type information to the smart card,
And receiving user authentication information from a user in the smart card. 12. The method of claim 11,
The step of receiving user authentication information from a user in the smart card
A method of inputting user authentication information each time the smart card contacts the seller device, and a method of activating the smart card by inputting user authentication information when the smart card is powered on How to make a payment. delete

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