KR102001126B1 - Method and System for Relaying Payment Improving Processing Speed - Google Patents

Abstract

Disclosed are a payment relaying system improving processing speed and a method thereof. According to one aspect of the present embodiment, the payment relaying system improved processing speed, by connecting a session for communication with another terminal in advance, even before payment between one terminal and a payment terminal is completed.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001]

The present embodiment relates to a payment relaying system and method for relaying settlement between a settlement terminal and an external device and improving the speed of settlement processing.

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

The first-generation card was used in the range of the balance within the deposit account using a physical medium of a predetermined shape, or the amount used after the first use was later charged. Each card has a structure in which a card ID exists, which is charged, paid, and settled based on the card ID. In order to charge or settle, the information is exchanged between the card and payment terminal.

Information exchange takes place using signed data including the card and the unique key of the terminal. In other words, when a card is used, a unique key must never be exposed, and when a key is exposed, a third party may charge the card without paying the amount of money, or may issue a serious problem . In the case of a physical card, the unique key of the card is embedded in the card together with the card ID when issuing the card.

These physical first generation cards exist separately as physical media, so there was inconvenience in storage and management. Also, since the card can be used by anyone who has it, there is a problem that the use of a card by a third party can not be prevented when the card is lost.

To solve these problems when smart phones are widely used, app card applications that can be downloaded from smart phones are being launched. The app card application can partially compensate for the problems of the conventional physical first generation card by enabling a smartphone user to make payment at an on-line merchant without having to carry the actual credit card.

In the conventional method of payment of an app card at an offline merchant through an app card application, when a smart card in which an app card application is executed generates and displays a barcode including credit card information of a smartphone user, a credit authorization (CAT) Terminal) terminal, POS (point of sale) terminal, etc., by recognizing the credit card information of the smartphone user through barcode scanning and transmitting the payment amount information and credit card information to the credit card company server , App Card application transmits the credit card information of the smartphone user to the app card payment dongle through close communication between the smart card on which the app card application is executed and the app card payment dongle installed in the offline merchant, The POS terminal or the CAT terminal connected to the POS terminal transmits the payment amount information and the credit card information And the payment is transmitted to the credit card company server.

However, in such a conventional method, a user must activate a smart phone for payment and then activate an app card application for payment. In this case, payment can be performed only if the user takes the smart phone near the payment terminal, There is an inconvenience in which the operation is performed. If the user is carrying a heavy load or is in a situation where there are restrictions on both hands, the payment may be obstructed.

In addition, when one smartphone and one payment terminal perform settlement using proximity communication, when a plurality of smartphones respectively perform settlement, one smartphone performs settlement and then the other smart The phone must wait to perform any action associated with the payment. Only when the settlement between the smartphone and the settlement terminal is completed, another smartphone starts close communication with the settlement terminal to perform the settlement operation. Due to such a problem, when a plurality of smart phones attempt to make a payment with one settlement terminal, there is a problem that the settlement processing speed is considerably delayed and a long time is spent for settlement.

Accordingly, there is a demand for a payment that is easier and quicker to use while eliminating the problems of the conventional physical first generation card.

An object of the present embodiment is to provide a payment relay system and method for providing necessary data concerning physical verification so that the payment terminal can start settlement.

An object of the present invention is to provide a payment relaying system and method for allowing a payment terminal and a terminal to perform settlement by transmitting and receiving data and signals between a payment terminal and a terminal using a payment relay device.

In addition, the present embodiment provides a payment relay system and method in which a payment processing speed is improved by connecting a session for communication with another terminal in advance even before the settlement between one terminal and the settlement terminal is completed .

According to an aspect of the present invention, there is provided a payment relay apparatus for relaying a settlement between a plurality of terminals and a settlement terminal, the settlement relay apparatus comprising: a session for wireless communication with a specific terminal, A communication unit for transmitting and receiving the validity authentication information of the card issued by the specific terminal and the information necessary for settlement and releasing the session connected to the specific terminal when the settlement is completed and data for physical authentication of the card An emulation unit for performing physical verification of the settlement terminal and the card using data for physical authentication of a card stored in the memory unit to start settlement; After the session is established with the specific terminal, the communication unit performs the control until the settlement is completed. And a controller for controlling the communication unit to connect the session with the other terminal before releasing a session connected to the specific terminal when there is a session connection request from the other terminal.

According to an aspect of the present invention, the plurality of communication units are implemented, and each communication unit connects each terminal with a session.

According to an aspect of the present invention, the communication unit includes a plurality of communication modules, and each session is connected to each terminal using each communication module.

According to an aspect of the present invention, when a session connection request is made from the other terminal after a session for wireless communication with the specific terminal is connected, the controller connects a session with the other terminal after a session connection with the specific terminal .

According to an embodiment of the present invention, when a session for wireless communication with the specific terminal is connected and a payment is made, and there is a session connection request from the other terminal, And the session is connected to the other terminal before releasing the session connected to the specific terminal.

According to an aspect of the present invention, there is provided a method for relaying settlement between a plurality of terminals and a settlement terminal so that settlement can be performed between the plurality of terminals and a settlement terminal, A verification step of performing physical verification of the payment terminal and the card using data for physical authentication of a card stored in the payment relay apparatus, Receiving authentication information of the issued card and information necessary for settlement, and when there is a session connection request of another terminal until settlement between the specific terminal and the settlement terminal is completed by the transmission / reception process, A second connection process of connecting a session for wireless communication and a second connection process of connecting the specific terminal and the payment terminal After the cross-payment is completed, it provides a payment relay method comprising the release process for releasing a session associated with the specific terminal.

According to an embodiment of the present invention, the first connection process and the second connection process are respectively performed by a plurality of communication units in the payment relay apparatus.

According to an aspect of the present invention, the first connection process and the second connection process are respectively performed by a plurality of communication modules in a communication unit of the settlement relay apparatus.

According to an embodiment of the present invention, the second connection process connects a session with the other terminal after a session connection with the specific terminal, if there is a session connection request from the other terminal after the first connection process do.

According to an embodiment of the present invention, in the case where there is a session connection request from the other terminal after the transmission / reception process, the second connection process is performed after the settlement of the specific terminal and the payment terminal is completed, Session is connected.

As described above, according to one aspect of the present embodiment, the payment relay apparatus can provide the necessary data regarding the physical verification so that the settlement terminal can start settlement, so that the settlement can be started even if the user does not move the terminal near the settlement terminal .

According to an aspect of the present invention, there is an advantage in that settlement between the settlement terminal and the card management server is performed even if the user does not execute the terminal and the application by transmitting and receiving data and signals between the settlement terminal and the terminal using the settlement relay device .

According to an aspect of the present invention, an advantage of improving a settlement processing speed between each terminal and a settlement terminal by connecting a session for communication with another terminal in advance even before settlement between one terminal and a settlement terminal is completed have.

1 is a diagram illustrating a configuration of a payment relay system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a terminal according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a payment relay apparatus according to the first embodiment of the present invention.
4 is a diagram illustrating a configuration of a payment relay apparatus according to a second embodiment of the present invention.
5 is a diagram illustrating a configuration of a payment relay apparatus according to a third embodiment of the present invention.
6 is a diagram illustrating a configuration of a payment terminal according to an embodiment of the present invention.
FIG. 7 is a timing chart schematically illustrating a process of performing settlement between a plurality of terminals and a settlement terminal according to the first embodiment of the present invention.
FIG. 8 is a timing chart schematically illustrating a process of performing settlement between a plurality of terminals and a settlement terminal according to the second embodiment of the present invention.
9 is a flowchart illustrating a method for a payment relay apparatus to perform settlement between a plurality of terminals and a payment terminal according to an embodiment of the present invention.
FIG. 10 is a timing chart illustrating a method of performing physical authentication by the payment relay apparatus according to an embodiment of the present invention.
11 is a flowchart illustrating a method of performing physical authentication by the payment relay apparatus according to an embodiment of the present invention.
12 is a timing chart illustrating a process of performing settlement according to an embodiment of the present invention.
13 is a flowchart illustrating a method for a payment relay apparatus according to an embodiment of the present invention to perform settlement.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals are used for like elements in describing each drawing.

The terms first, second, A, B, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. It is to be understood that the term "comprises" or "having" in the present application does not preclude the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification .

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.

Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

In addition, each structure, process, process, or method included in each embodiment of the present invention can be shared within a range that does not technically contradict each other.

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

1, a payment relay system 100 according to an embodiment of the present invention includes terminals 110, 114, and 118, a payment relay apparatus 120, an RF antenna 125, and a payment terminal 130 .

The terminals 110, 114, and 118 are devices that perform settlement with the settlement terminal 130 using the issued card.

Each of the terminals 110, 114, and 118 connects a session for wireless communication with the payment relay apparatus 120. Each terminal 110, 114, and 118 scans an existing device for connection of a session, recognizes a specific identifier of the payment relay apparatus 120 among the scanned apparatuses, and connects the session with the payment relay apparatus 120. Here, the wireless communication may be any kind of session connection between the terminals 110, 114, 118 and the payment relay apparatus 120 without any separate input from the users of the terminals 110, 114, 118 , For example, Bluetooth may be the case. When the wireless communication is implemented in Bluetooth, the terminals 110, 114, and 118 and the payment relay device 120 can be paired by connecting the sessions. Hereinafter, for convenience of description, the wireless communication is limited to being implemented by Bluetooth, but any wireless communication having the above-described properties may be substituted for it.

The terminals 110, 114, and 118 transmit and receive necessary data after establishing a session with the payment relay apparatus 120. The terminals 110, 114, and 118 must perform authentication to use the services provided by the payment relay system. The terminals 110, 114, and 118 are connected to the payment relay device 120 so that the payment relay device 120 can confirm whether the card that the terminal 110, 114, or 118 wants to use is a card subscribed to the corresponding service. The ID of the card issued by the logger is transmitted.

The terminals 110, 114, and 118 receive a signal for validating the card from the payment relay apparatus 120 and transmit a signal for authenticating the validity of the card to the payment relay apparatus 120. [ The terminals 110, 114 and 118 receive signals for verifying the validity of the card to be confirmed by the payment terminal 130 via the payment relay device 120, not the payment terminal 130. As described above, since the terminals 110, 114, and 118 are connected to and communicate with the payment relay apparatus 120 without a separate input, the terminals 110, 114, and 118 do not need to be activated. Since the terminals 110, 114 and 118 receive signals to be confirmed by the payment terminal 130 from the payment relay device 120 via the wireless communication instead of the payment terminal 130, The transmission and reception of signals can be performed even if the user of the mobile terminal 100 does not bring the terminals 110, 114, and 118 to the vicinity of the payment terminal 130.

Then, the terminals 110, 114, and 118 receive a signal or signature for settlement from the settlement relay device 120 and transmit the signal or signature to the settlement relay device 120. At this time, the terminals 110, 114, and 118 may store the information for conducting the settlement therein, and may perform settlement by themselves using the information, do not store the information for conducting the settlement therein, A signature or a signature for the external device may be transmitted or received to allow the external device to proceed with the payment. The settlement process also does not require the terminals 110, 114 and 118 to be activated and the terminals 110, 114 and 118 do not have to approach the settlement terminal 130 as described above.

The payment relay device 120 emulates the card so that physical authentication of the card is performed so that settlement can be started and transmission and reception of data or signals of the settlement terminal 130 and the terminals 110, Relay.

A session for wireless communication is connected to the terminals 110, 114, and 118 and the payment relay device 120. The payment relay device 120 has a specific identifier that allows the terminals 110, 114, and 118 to easily check after scanning. The terminals 110, 114, and 118 recognize a specific identifier and connect the session with the payment relay apparatus 120. [

The payment relay device 120 may perform a session connection for wireless communication with each of the terminals 110, 114, and 118 and may concurrently or continuously perform a session connection with each terminal 110, 114, . The payment relay device 120 performs session connection with other terminals concurrently or continuously using a multi-session even if one terminal makes a session connection for settlement and then disconnects the corresponding session. Conventionally, a payment terminal does not perform a session connection with another terminal until one terminal completes settlement with a payment terminal and releases a session connection. Accordingly, after the settlement with the specific terminal in settlement is completed, the conventional payment terminal scans the terminal for session connection and establishes a session connection with the terminal before proceeding with the settlement. However, the payment relay device 120 performs a session connection with each of the terminals 110, 114, and 118 simultaneously or continuously using a multi-session, thereby performing a session connection with one terminal, Even before the session is disconnected after the settlement is completed, the session connection is established with another terminal to be connected to the session. Accordingly, when a plurality of terminals 110, 114, and 118 respectively perform settlement with one settlement terminal 130, the settlement relay device 120 performs session connection with a plurality of terminals in advance , It has an advantage that the settlement processing speed can be shortened. The payment relay device 120 performs a session connection with each of the terminals 110, 114, and 118, and then proceeds to a later-described process required for payment.

After the session connection with each of the terminals 110, 114, and 118 is completed, the payment relay device 120 receives the card ID from the terminals 110, 114, and 118 and authenticates the card. The payment relay device 120 receives the ID of the card to be used by the terminals 110, 114, and 118 from the terminals 110, 114, and 118 using the connected session and stores the card in the service provided by the payment relay system Make sure the card is a subscription card.

When the card is a card to which the service is subscribed, the payment relay apparatus 120 controls the RF antenna 125 to perform physical verification with the payment terminal 130. In order to start settlement between the settlement terminal 130 and the card, the card must be close to the settlement terminal 130 for physical verification, and then settlement is started only after the software validation. The payment relay device 120 replaces the proximity of the terminal 110, 114, 118 including the card or the app card by controlling the RF antenna 125 to perform physical verification with the payment terminal 130. The payment relay device 120 is physically connected to the RF antenna 125 and identifies signals or data received by the RF antenna 125 and transmits a signal or data to be transmitted by the RF antenna 125 to the RF antenna 125 to provide. That is, when the RF antenna 125 receives a signal requesting physical verification of the card from the payment terminal 130, the payment relay device 120 transmits a signal for causing the RF antenna 125 to perform the physical authentication of the card And provides the signal to the RF antenna 125 so that it can be transmitted to the payment terminal 130. The payment relay device 120 recognizes the settlement terminal 130 as if there is a card that has been physically verified to perform settlement with the settlement terminal 130 in the vicinity of the settlement terminal 130. [ The payment repeater 120 does not perform the verification on behalf of the terminal using the information about the card that the actual terminal 110, 114 or 118 wants to use (payment, etc.), but the terminal 110, 114, Payment, etc.), physical verification of the card to be used by the terminal 110, 114, 118 is replaced with the stored data in the payment relay device 120 for physical verification regardless of the information about the card to be used. That is, when the card is a card to which the service is subscribed, the payment relay device 120 performs physical verification of the card using the stored data regardless of the card information used by the actual terminal. As a result, the settlement terminal 130 completes the physical verification for performing settlement.

The payment relay device 120 communicates with the payment terminal 130 using the RF antenna and wirelessly communicates with the terminals 110, 114 and 118 through a connected session to transmit a signal to be transmitted / Data is transferred from one device to another.

The RF antenna 125 is physically connected to the payment relay device 120 and transmits signals or data provided from the payment relay device 120 to the payment terminal 130 or signals or data received from the payment terminal 130 To the payment relay device (120). The RF antenna 125 transmits and receives signals and data using a local communication such as NFC communication with the settlement terminal 130. The RF antenna 125 performs communication with the payment terminal 130 using short-distance communication. Since the RF antenna 125 physically connected to the payment relay apparatus 120 communicates with the payment terminal 130, the payment relay apparatus 120 transmits the signal or data to be transmitted to the payment terminal 130).

The payment terminal 130 is a device that verifies a card to be accessed and performs payment with a card that has been verified.

The payment terminal 130 transmits a signal for performing physical and software verification of the card in a directed or non-directional manner at predetermined intervals. The payment terminal 130 performs physical and software verification of the card with the payment relay apparatus 120 or the terminals 110, 114, and 118 using communication with the RF antenna 125. [

When the verification is completed, the settlement terminal 130 performs settlement by communicating with the terminal 110, 114, or 118, which ultimately makes a settlement, by using the communication with the RF antenna 125. [ The settlement terminal 130 sends a digital signature to and receives a digital signature from the terminals 110, 114, and 118 to request settlement of the settlement amount.

2 is a diagram illustrating a configuration of a terminal according to an embodiment of the present invention.

Referring to FIG. 2, terminals 110, 114, and 118 according to an embodiment of the present invention include a communication unit 210, a control unit 220, and a memory unit 230.

The communication unit 210 scans the devices existing within a certain range and receives an identifier of each device for session connection for wireless communication. Then, the communication unit 210 connects the payment relay apparatus 120 to the session for wireless communication.

The communication unit 210 transmits the card ID to the payment relay apparatus 120. The communication unit 210 can transmit the card ID encrypted using the secret key to the payment relay apparatus 120. [

The communication unit 210 receives the card validity verification signal from the payment relay apparatus 120 and transmits the validity authentication signal of the card to the payment relay apparatus 120. [ Likewise, the validation signal of the card and the validity authentication signal of the card may also be encrypted and transmitted / received.

The communication unit 210 receives the settlement start signal from the payment relay apparatus 120 and transmits the electronic signature to the payment relay apparatus 120. [ The communication unit 210 receives an electronic signature for requesting settlement from the settlement relay apparatus 120 and transmits an electronic signature to the settlement relay apparatus 120 informing that the settlement has been completed.

The control unit 220 recognizes a specific identifier of the payment relay apparatus 120 among the scanned identifiers of the respective apparatuses. Since the payment relay apparatus 120 has a specific identifier distinguishable from other apparatuses, the control unit 220 recognizes the payment relay apparatus 120 among the identifiers of the respective scanned apparatuses. The control unit 220 controls the communication unit 210 to connect the session with the recognized payment relay apparatus 120. [

The control unit 220 controls the communication unit 210 to transmit the card ID to the payment relay apparatus 120. [

When receiving the card validation signal, the control unit 220 generates a signal for authenticating the card validity. The validation signal of the card is a software validation signal for confirming whether the terminal is using a valid application, whether it is a card subscribed to the service, and the like. The control unit 220 generates a card validity authentication signal including a card ID or application information in order to verify the validity of the card. The control unit 220 controls the communication unit 210 to transmit the card validity authentication signal to the payment relay apparatus 120. [

When receiving a payment start signal from the payment relay device 120, the control unit 220 generates a digital signature and controls the communication unit 210 to transmit the electronic signature to the payment relay apparatus 120. [

When receiving a digital signature for requesting payment from the payment relay apparatus 120, the control unit 220 decrypts the electronic signature, confirms the payment amount, and performs settlement. The control unit 220 performs settlement of the confirmed payment amount using the information necessary for settlement stored in the memory unit 230. [ The control unit 220 generates a digital signature indicating that settlement is completed and controls the communication unit 210 to transmit the digital signature to the payment relay apparatus 120. [

The control unit 220 controls the communication unit 210 to transmit the settlement start signal or the digital signature received from the configuration of either the payment relay apparatus 120 or the card management server 140 to another configuration do. In this case, the settlement is performed by an external device other than the terminal, and when receiving a settlement start signal or an electronic signature for requesting settlement from the settlement relay device 120, So that settlement is performed. When the settlement is completed in the external device, the control unit 220 controls the communication unit 210 to receive the digital signature from the external device and transmit the digital signature to the settlement relay device, thereby allowing the settlement terminal to finally confirm the settlement completion.

The memory unit 230 stores the identifier of the payment relay apparatus 120. [ The memory unit 230 stores the identifier of the payment relay apparatus 120 so that the session can be connected to the payment relay apparatus 120 even if the terminals 110, 114, and 118 are not activated for session connection.

The memory unit 230 stores the ID of the issued card. The memory unit 230 may be configured to allow the terminal 110, 114, or 118 to prove to the payment relay apparatus 120 or the payment terminal 130 that the card issued by the terminal 110, 114, Store the ID of the card.

The memory unit 230 stores information necessary for settlement. The memory unit 230 stores the digital signature, the encryption / decryption key, the balance information in the card, and the like so that the control unit 220 can perform settlement. The memory unit 230 further stores the payment details and can check and reflect payment details from the credit card company used by the terminals 110, 114, and 118 in the future.

3 is a diagram illustrating a configuration of a payment relay apparatus according to the first embodiment of the present invention.

3, the payment relay apparatus 120 according to an exemplary embodiment of the present invention includes a communication unit 310, a control unit 320, a memory unit 330, and an emulation unit 340.

When a session for wireless communication is connected, the communication unit 310 receives the card ID from the terminals 110, 114, and 118. The communication unit 310 is configured to support a multi-session, and additionally performs a session connection with another terminal even when a session is connected to one terminal.

The communication unit 310 transmits a validity signal of the card to the terminals 110, 114, and 118, and receives the validity authentication signal of the card from the terminals 110, 114, and 118.

The communication unit 310 transmits a settlement start signal to the terminals 110, 114, and 118, and receives a digital signature from the terminals 110, 114, and 118. 114, and 118, and receives a digital signature from the terminals 110, 114, and 118 to notify that payment has been completed.

When the settlement with a specific terminal is completed, the communication unit 310 cancels the session connected to the specific terminal under the control of the controller 320. [

The control unit 320 controls the communication unit 310 to perform a session connection with another terminal even when a session with the specific terminal is connected. In order to improve the settlement processing speed of a plurality of terminals, the controller 320 supports a session connection with another terminal even when a session with a specific terminal is connected thereto . Accordingly, the control unit 320 can shorten the time for performing a session connection with another terminal after the terminal completes the settlement with the payment terminal.

If there is an access for a session connection of another terminal immediately after a session with a specific terminal exists, the control unit 320 controls the communication unit 310 to continuously establish a session connection with another terminal after connection of a session with a specific terminal. Since the settlement with the specific terminal has not yet been performed, the controller 320 continuously performs the session connection.

On the other hand, if there is an access for session connection of another terminal while a session is established between a specific terminal and a payment terminal, the controller 320 determines that the settlement between the specific terminal and the payment terminal is completed, And controls the communication unit 310 to perform session connection with the terminal. The controller 320 controls the communication unit 310 to perform a session connection with another terminal before releasing a session connection with a specific terminal after the completion of the settlement.

When receiving the card ID from the terminals 110, 114, and 118, the control unit 320 determines whether the card is a card subscribed to the service. The control unit 320 compares the ID information of the card subscribed to the stored service in the memory unit 330 with the card ID received from the terminals 110, 114, and 118, and confirms whether the card is a card subscribed to the service . The control unit 320 controls the emulation unit 340 to operate only when the card to be used by the terminals 110, 114, and 118 is a card subscribed to the service.

The control unit 320 controls the communication unit 310 to transmit the settlement start signal or the digital signature received from the configuration of the settlement terminal 130 or the card management server 140 to another configuration.

When the settlement is completed, the control unit 320 controls the communication unit 310 to release the session connection with the terminal that has completed the settlement. Since it is desirable to complete the settlement and connect the session to another terminal that intends to settle the settlement, the control unit 320 controls the communication unit 310 to cancel the session connection with the terminal that has completed settlement.

The memory unit 330 stores ID information of a card subscribed to the service. The memory unit 330 stores the ID information of the card subscribed to the service so that the controller 320 can confirm whether the received card ID is a card subscribed to the service.

The memory unit 330 stores data for physical authentication of the card. The memory unit 330 stores information for authenticating the eligibility of the card and information for authenticating that a format conforming to the data format used by the payment terminal 140 is used as information required for physical authentication of the card . Here, the information for authenticating the card and the information for authenticating the data format may be information conforming to the international standard ISO / IEC 14443 of NFC. The information stored in the memory unit 330 is information for performing physical authentication with the settlement terminal 130. The information stored in the memory unit 330 is transmitted to the terminal 110, Do. That is, in the memory unit 330, information on a card actually used by the terminals 110, 114, and 118 is stored or not stored. In order to allow the terminals 110, 114, and 118 to perform physical authentication, (Card) information is stored.

The emulation unit 340 is physically connected to the RF antenna 125 and provides information necessary for physical authentication of the card to the RF antenna 125. The emulation unit 340 operates under the control of the control unit 320 and provides the RF antenna 125 with information necessary for physical authentication of the card. When the RF antenna 125 receives a signal requesting verification of the card's qualification from the payment terminal 130, the emulation unit 340 can authenticate the qualification of the card stored in the memory unit 330 with the RF antenna 125 Information to be transmitted. The emulation unit 340 operates as described above so that the settlement terminal 130 can be physically qualified to perform settlement with itself regardless of whether the actual terminal 110, The card can be recognized as if it exists in the vicinity. When the RF antenna 125 receives a signal requesting verification of the data format used from the payment terminal 130, the emulation unit 340 controls the RF antenna 125, And transmits information for authenticating that the format conforming to the data format used by the terminal 140 is being used. As the emulation unit 340 operates in this way, the payment terminal 130 can recognize that a card having the same data format as itself exists nearby. The emulation unit 340 performs physical authentication of the payment terminal 130 and the card so that the user of the terminal including the card or the application card accesses the card or the terminal to the payment terminal 130 for physical authentication Can be solved.

4 is a diagram illustrating a configuration of a payment relay apparatus according to a second embodiment of the present invention.

4, the payment relay apparatus 120 according to the second embodiment of the present invention includes a first communication unit 410, a second communication unit 414, a third communication unit 418, a control unit 320, a memory unit 330 and an emulation unit 340.

The payment relay apparatus 120 according to the second embodiment of the present invention includes a plurality of communication units 410, 414 and 418. [ As in the case of the payment relay apparatus 120 according to the first embodiment, a communication unit supporting the multisession may be provided, but there may be cases where the communication unit is not. Accordingly, the payment relay apparatus 120 can process a session connection in parallel to a plurality of terminals including the plurality of communication units 410, 414, and 418. As a result, the payment relay device 120 can perform a session connection with a plurality of terminals in parallel without having to have a plurality of payment terminals to process a plurality of terminals in parallel, Lt; RTI ID = 0.0 > payment terminal. ≪ / RTI >

4, the payment relay apparatus 120 includes three communication units 410, 414 and 418. However, the present invention is not limited to this, and may include a number of sessions to be connected in parallel with the terminal .

5 is a diagram illustrating a configuration of a payment relay apparatus according to a third embodiment of the present invention.

5, the payment relay apparatus 120 according to the third embodiment of the present invention includes a communication unit 310, a control unit 320, a memory unit 330, and an emulation unit 340.

The communication unit 310 includes a first communication module 510, a second communication module 514, a third communication module 518, and a control module 520.

4, the payment relay apparatus 120 according to the third embodiment of the present invention does not include a plurality of communication units 310 but includes a communication module 510 , 514, 518).

Each of the communication modules 510, 514 and 518 performs session connection for wireless communication with the terminal, and transmits necessary information and data after connection of the session.

The control module 520 controls each of the communication modules 510, 514 and 518 so as to establish a session connection with each terminal when there is an access for connection of the terminal from the plurality of terminals.

6 is a diagram illustrating a configuration of a payment terminal according to an embodiment of the present invention.

6, a payment terminal 130 according to an embodiment of the present invention includes a communication unit 610, a control unit 620, and a memory unit 630.

The communication unit 610 transmits a signal for physically verifying the card at predetermined intervals in order to check whether there is a card approaching the payment terminal 130. [ More specifically, the communication unit 610 transmits an eligibility verification signal of the card at predetermined intervals. When the card's eligibility authentication signal is received, the communication unit 610 transmits a data format validation signal. The communication unit 610 receives the data format authentication signal so that the physical verification of the card can be completed.

When the physical verification is completed, the communication unit 610 transmits a validity signal of the card and receives the validity authentication signal of the card so that the software verification of the card can be completed.

When all the verification of the card is completed, the communication unit 610 transmits a settlement start signal to the RF antenna 125. [ The communication unit 610 receives the digital signature from the RF antenna 125. [ The communication unit 610 transmits a digital signature for requesting settlement to the RF antenna 125 and receives an electronic signature from the RF antenna 125 to inform that the settlement is completed.

The control unit 620 controls the communication unit 610 to transmit a card qualification verification signal at predetermined intervals. When the card's eligibility authentication signal is received, the control unit 620 confirms whether the card is an eligible card. The control unit 620 confirms the eligibility of the card using the data for confirming the qualification of the card stored in the memory unit 630.

If the card has eligibility, the control unit 620 controls the communication unit 610 to transmit the data format verification signal. When a data format authentication signal is received, the control unit 620 checks whether the data format used by the card matches. The control unit 620 confirms the data format used by the card by using the data for checking the stored data format in the memory unit 630. Thereby, the control unit 620 completes the physical verification of the card.

When the physical verification is completed, the control unit 620 controls the communication unit 610 to transmit a validation signal of the card. Even if the card is physically fit, there may be a card or an application that can not use the services provided by the payment relay system. In order to confirm this, the control unit 620 controls the communication unit 610 to transmit a card or a validation signal of an application for validating the application. When receiving the validity authentication signal of the card or application, the control unit 620 uses the data (e.g., card ID) for validation of the card or application stored in the memory unit 630 to validate the card or application Check. Thus, the control unit 620 completes the software verification of the card and completes the verification of all the cards.

The control unit 620 controls the communication unit 610 to transmit a settlement start signal to start settlement. The control unit 620 controls the communication unit 610 to transmit a settlement start signal so that the terminals 110, 114, and 118 know that it is necessary to start settlement with the settlement terminal 130 itself.

When the communication unit 610 receives a digital signature, the control unit 620 verifies the digital signature and generates an electronic signature for requesting payment. The control unit 620 generates a digital signature for requesting payment and controls the communication unit 610 to transmit the digital signature.

When the communication unit 610 receives a digital signature indicating that settlement has been completed, the control unit 620 can generate the payment details and store the payment details in the memory unit 630. The payment terminal 140 may request the external device to process the payment according to the payment history by using the stored payment details.

The memory unit 630 stores data for confirming the eligibility of the card, data for confirming the data format, and data for confirming the software (validity of the card or application) of the card.

The memory unit 630 stores information for the digital signature so as to decrypt and generate the digital signature.

FIG. 7 is a timing chart schematically illustrating a process of performing settlement between a plurality of terminals and a settlement terminal according to the first embodiment of the present invention. The process shown in FIG. 7 shows a process in the case where there is an access for a session connection of another terminal immediately after a session with a specific terminal is connected.

The terminals 110, 114, and 118 recognize the payment relay apparatus 120 and connect sessions for wireless communication (S710).

The terminal 114 recognizes the payment relay apparatus 120 and connects a session for wireless communication (S720). The payment relay apparatus 120 connects the session with the terminal 114 again immediately after connecting the session with the terminals 110, 114, The communication unit in the payment repeater 120 may be configured to support multi-session, or may include a plurality of communication units, or may include a plurality of communication modules in the communication unit.

The terminal 118 recognizes the payment relay apparatus 120 and connects a session for wireless communication (S730).

The terminals 110, 114, and 118 perform settlement with the settlement terminal 130 via the settlement relay device 120 (S740). The payment relay device 120 performs physical authentication with the payment terminal 130 and performs validity authentication and settlement of the card between the terminals 110, 114, and 118 and the payment terminal 130 through the payment relay device 120 And the electronic signatures are transmitted and received, and settlement is performed.

The payment relay device 120 cancels the session connection with the terminals 110, 114, and 118 (S750). After the settlement between the terminals 110, 114, and 118 and the payment terminal is completed, the payment relay apparatus 120 cancels the session connection with the terminals 110, 114, and 118.

The terminal 114 performs settlement with the settlement terminal 130 via the settlement relay device 120 (S760). Since the terminal 114 has already connected the session with the payment relay apparatus 120 and the settlement of the terminals 110, 114 and 118 is completed and the session connection is canceled, Performs settlement with the settlement terminal 130 via the settlement relay device 120. [

The payment repeater 120 cancels the session connection with the terminal 114 (S770).

The terminal 118 performs settlement with the settlement terminal 130 via the settlement relay device 120 (S780).

The payment relay device 120 cancels the session connection with the terminal 118 (S790).

FIG. 8 is a timing chart schematically illustrating a process of performing settlement between a plurality of terminals and a settlement terminal according to the second embodiment of the present invention. The procedure shown in FIG. 8 shows a process in a case where there is an access for session connection of another terminal after a certain terminal and a session are connected and the settlement process proceeds.

The terminals 110, 114, and 118 recognize the payment relay apparatus 120 and connect sessions for wireless communication (S810).

The terminals 110, 114, and 118 perform settlement with the settlement terminal 130 via the settlement relay device 120 (S820).

The terminal 114 recognizes the payment relay apparatus 120 and connects a session for wireless communication (S830). When there is an access for session connection of the terminal 114 after the session is connected with the terminals 110, 114 and 118 and the settlement process proceeds, the settlement relay device 120 transmits the session of the terminals 110, 114, And proceeds with session connection of the terminal 114 before releasing the connection.

The payment repeater 120 cancels the session connection with the terminals 110, 114, and 118 (S840).

The terminal 114 performs settlement with the settlement terminal 130 via the settlement relay device 120 (S850).

The terminal 118 recognizes the payment relay apparatus 120 and connects a session for wireless communication (S860).

The payment repeater 120 cancels the session connection with the terminal 114 (S870).

The terminal 118 performs settlement with the settlement terminal 130 via the settlement relay device 120 (S880).

The payment repeater 120 cancels the session connection with the terminal 118 (S890).

9 is a flowchart illustrating a method for a payment relay apparatus to perform settlement between a plurality of terminals and a payment terminal according to an embodiment of the present invention.

The payment relay device 120 connects sessions for communication with the terminals 110, 114, and 118 (S910).

The settlement relay device 120 performs physical authentication with the settlement terminal 130 for settlement with the terminals 110, 114 and 118 and performs settlement between the settlement terminals 130, (S920).

The payment relay apparatus 120 connects a session for communication with the terminal 114 (S930).

The payment relay device 120 cancels the session connection with the terminals 110, 114, and 118 (S940).

The payment relay apparatus 120 performs physical authentication with the settlement terminal 130 and transmits and receives data to be settled between the terminal 114 and the settlement terminal 130 in order to settle the settlement with the terminal 114 ).

The payment repeater 120 cancels the session connection with the terminal 114 (S960).

At this time, the order of S920 and S930 may be changed depending on whether there is an access for session connection from another terminal after the payment relay apparatus 120 establishes a session connection with a specific terminal.

In addition, although FIG. 9 shows a method in which two terminals and a payment relay device connect sessions to perform settlement of each terminal, more terminals can perform settlement according to the method shown in FIG.

FIG. 10 is a timing chart illustrating a method of performing physical authentication by the payment relay apparatus according to an embodiment of the present invention.

The terminals 110, 114, and 118 recognize the payment relay apparatus 120 and connect sessions for wireless communication (S1010).

After completing the session connection, the terminals 110, 114, and 118 transmit the card ID (S1015).

The payment relay device 120 determines whether the card of the terminal is a card that can use the service (S1020). When the card of the terminal is a card that can use the service, the payment relay device 120 activates the emulation section.

The settlement terminal 130 transmits a card eligibility verification signal (S1025).

The payment relay device 120 transmits the card eligibility authentication signal to the payment terminal 130 (S1030). The payment relay device 120 receives and confirms the card eligibility verification signal using the RF antenna 125. [ The activated emulation unit provides the RF antenna 125 with information necessary for qualification authentication of the card so that the payment relay apparatus 120 allows the RF antenna 125 to transmit the card eligibility authentication signal to the payment terminal 130. [

The settlement terminal 130 transmits a data format verification signal (S1035).

The payment relay device 120 transmits a data format authentication signal to the payment terminal 130 (S1040). Likewise, the payment relay device 120 receives and confirms the data format verification signal using the RF antenna 125. [ The activated emulation unit provides information required for data format authentication to the RF antenna 125 so that the payment relay apparatus 120 allows the RF antenna 125 to transmit the data format authentication signal to the payment terminal 130.

11 is a flowchart illustrating a method of performing physical authentication by the payment relay apparatus according to an embodiment of the present invention.

After the session connection is completed, the payment relay device 120 receives the card ID from the terminals 110, 114, and 118 (S1110).

The payment repeater 120 checks whether the received card is a card that can use the service (S1120).

If the received card is a card that can use the service, the payment relay device 120 receives a card eligibility verification signal from the payment terminal (S1130).

The payment relay device 120 provides data to the RF antenna 120 to transmit the card eligibility authentication signal to the payment terminal 130 (S1140).

The payment relay device 120 receives the data format verification signal from the payment terminal 130 (S1150).

The payment relay device 120 provides data to the RF antenna 120 to transmit the data format authentication signal to the payment terminal 130 (S1160).

12 is a timing chart illustrating a process of performing settlement according to an embodiment of the present invention.

The settlement terminal 130 transmits the card validation signal to the terminals 110, 114, and 118 via the RF antenna 120 and the payment relay device 120 (S1210).

The terminals 110, 114 and 118 transmit the card validity authentication signal to the settlement terminal 130 via the relay apparatus 120 and the RF antenna 120 (S1220).

The settlement terminal 130 transmits a settlement start signal to the terminals 110, 114, and 118 via the RF antenna 120 and the settlement relay device 120 (S1230).

The terminals 110, 114 and 118 transmit the digital signature to the payment terminal 130 via the relay device 120 and the RF antenna 120 (S1240).

The settlement terminal 130 transmits an electronic signature for requesting payment to the terminals 110, 114, and 118 via the RF antenna 120 and the relay apparatus 120 (S1250).

The terminals 110, 114, and 118 proceed to settlement (S1260).

The terminals 110, 114 and 118 transmit an electronic signature to the payment terminal 130 via the relay apparatus 120 and the RF antenna 120 to inform that payment is completed (S1270).

Accordingly, since the terminals 110, 114, and 118 perform settlement without having to separately perform physical authentication with the settlement terminal 130 in order to perform settlement, even if the user does not move the terminal to the vicinity of the settlement terminal And a settlement between the settlement terminal and the card management server can be performed even if the user does not execute the terminal and the application.

13 is a flowchart illustrating a method for a payment relay apparatus according to an embodiment of the present invention to perform settlement.

The payment relay device 120 receives the card validation signal from the payment terminal 130 and delivers it to the terminals 110, 114, and 118 (S1310).

The payment relay device 120 receives the card validity authentication signal from the terminals 110, 114, and 118 and transmits the received card validity authentication signal to the payment terminal 130 (S1320)

The payment relay device 120 receives the settlement start signal from the payment terminal 130 and delivers it to the terminals 110, 114, and 118 (S1330).

The payment repeater 120 receives the digital signature from the terminals 110, 114, and 118 and transmits the digital signature to the payment terminal 130 (S1340).

The payment relay device 120 receives the electronic signature for requesting settlement from the payment terminal 130 and delivers it to the terminals 110, 114, and 118 (S1350).

The payment relay device 120 receives the digital signature from the terminals 110, 114, and 118 to inform the settlement terminal 130 that payment has been completed (S1350).

In FIGS. 9, 11 and 13, it is described that each process is sequentially executed, but this is merely illustrative of the technical idea of an embodiment of the present invention. In other words, those skilled in the art will appreciate that various changes and modifications may be made without departing from the essential characteristics of one embodiment of the present invention, 9, 11, and 13 are not limited to the time-series order because they can be variously modified and modified by being executed in parallel.

9, 11, and 13 can be implemented as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. That is, a computer-readable recording medium includes a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), an optical reading medium (e.g., CD ROM, And the like). The computer-readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

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

100: Payment relay system
110, 114, 118: terminal
120: Payment relay device
125: RF antenna
130: payment terminal
210, 310, 410, 414, 418, 610:
220, 320, 620:
230, 330, and 630:
340: Emulation unit
510, 514, 518: communication module
520: control module

Claims (10)

A settlement relay apparatus for relaying settlement between a plurality of terminals and settlement terminals,
The terminal transmits and receives the validity authentication information of the card issued by the specific terminal and information necessary for settlement so that settlement between the specific terminal and the settlement terminal can be performed by connecting a session for wireless communication with the specific terminal, A communication unit for releasing a session connected to the specific terminal;
A memory unit for storing data for physical authentication of the card;
An emulation for physically verifying the payment terminal and the card using data for physical authentication of the card stored in the memory unit irrespective of the information of the card to be used by the specific terminal, part; And
Wherein the control unit controls the operation of each configuration in the payment relay apparatus, and when the communication unit has a session connection request from another terminal before the settlement is completed after the session is connected to the specific terminal, And a control unit for controlling the communication unit to connect the session with the other terminal,
In order for payment to be initiated between the payment terminal and the card, physical verification of the card must be performed,
Wherein the memory unit stores information for authenticating the qualification of the card and information for authenticating that a format conforming to the data format used by the payment terminal is used as data for physical authentication of the card,
The control unit controls the communication unit to continuously establish a session connection with the other terminal after the session connection with the specific terminal, if there is an access for session connection of the other terminal immediately after the session with the specific terminal is connected,
When a session is established between the specific terminal and the payment terminal, and there is an access for session connection of the other terminal while the payment between the specific terminal and the payment terminal is in progress, And controls the communication unit to perform session connection with the other terminal. The method according to claim 1,
Wherein,
Wherein each communication unit connects each terminal with a session. The method according to claim 1,
Wherein,
Wherein the plurality of communication modules include a plurality of communication modules, and each session is connected to each terminal using each communication module. delete delete A method for relaying settlement by a settlement repeater relaying settlement so that settlement can be performed between a plurality of terminals and a settlement terminal,
A first connection process for connecting a session for wireless communication with a specific terminal;
A verification step of performing physical verification of the payment terminal and the card using data for physical authentication of the card stored in the payment relay apparatus;
A transmitting and receiving step of transmitting and receiving the validity authentication information and the information necessary for settlement of the card issued by the specific terminal so that settlement between the specific terminal and the settlement terminal can be performed;
A second connection process of connecting a session for wireless communication with another terminal when a session connection request of another terminal is made until the settlement between the specific terminal and the settlement terminal is completed by the transmission and reception process; And
And releasing a session associated with the specific terminal after the payment between the specific terminal and the payment terminal is completed,
In order for payment to be initiated between the payment terminal and the card, physical verification of the card must be performed,
Wherein the payment relaying device stores information for authenticating that the card is used for physical authentication and information for authenticating the eligibility of the card and a format conforming to the data format used by the payment terminal,
If there is an access for a session connection of the other terminal immediately after a session with the specific terminal is connected to the specific terminal, the payment repeater continuously performs session connection with the other terminal after connection of the session with the specific terminal,
If there is an access for session connection of the other terminal while the session between the specific terminal and the settlement terminal is connected and the settlement between the specific terminal and the settlement terminal exists, And then performs session connection with the other terminal The method according to claim 6,
The first connection process and the second connection process may include:
Wherein said plurality of communication relay units are respectively executed by a plurality of communication units in said payment relay apparatus. The method according to claim 6,
The first connection process and the second connection process may include:
Wherein the plurality of communication modules in the communication relay unit of the payment relay apparatus are respectively executed by a plurality of communication modules in the communication unit of the payment relay apparatus.


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