KR102135456B1 - Payment interface appratus and system - Google Patents

Abstract

The present invention relates to a payment interface device and system for improving payment convenience and improving payment security. The payment interface device receives payment information of a payer who purchased a product, generates a payment information identifier that is identification information of the payment information, and outputs the payment information identifier so that a payment terminal of the payer to recognize the generated payment information identifier and request for a payment of the payer from a payment server. The payment interface device obtains first time information on the time when the payment information identifier is generated to generate authentication information for payment authentication of the payer, and the request for the payment of the payer that performed through the payment terminal is determined to proceed according to a result of comparing the first time information identified through the authentication information and reference time information.

Description

Payment interface device and system {PAYMENT INTERFACE APPRATUS AND SYSTEM}

The present invention relates to a payment interface device and system, and more particularly, to a payment interface device and system capable of improving payment security.

In general, the payment system using a credit card is composed of a sales terminal (that is, a POS terminal), a VAN relay server, and a credit card payment server. When the credit card is recognized by the dealer terminal, credit card information is credit card payment through the VAN relay server. Payment is sent to the server, and the payment is requested, and the VAN relay server checks the credit card information and transfers the payment approval information received from the credit card payment server to the sales terminal, where payment is approved.

Conventional payment systems based on such vendor terminals have the following limitations.

First, the retailer checks the payment method by directly checking the payment method with the purchaser, and then there is a limitation of providing a payment interface according to the determined payment method to the purchaser. In other words, there is a hassle that the sales office cashier must check the payment method or payment service used by each purchaser directly for each payment, which increases the time required for payment and inconvenience of payment.

In addition, there is a limitation that the current dealer terminal cannot operate in conjunction with a mobile communication terminal such as a smart phone or tablet possessed by the seller office, or its universal operating system (OS), thereby improving payment convenience through the linkage. There is a need, and furthermore, when the payment method is a peer-to-peer (P2P) remittance method between the seller and the purchaser, the seller is not provided with the convenience of confirming the payment for the payment.

On the other hand, unlike the conventional payment method of the terminal terminal, the payment terminal's terminal recognizes the identification code (eg, QR code) output from the terminal terminal and obtains information necessary for payment, and then the terminal of the payment terminal pays directly to the payment server. The payment requester terminal payment request method is being applied.

In the case of the payment method of the payment terminal, the payment terminal's terminal acquires the identification code output from the payment terminal, and then the identification code or other code of the payer (that is, malicious stealer) is not the identification code of the payment terminal. By changing to the identification code of the vendor, and requesting payment, it is exposed to a security incident in which a payment is made to a deodorant's account or another account.

Since this security incident is due to the absence of a system that checks whether the identification code of the seller delivered from the purchaser corresponds to the actual identification code output from the seller terminal, a system that eliminates the security risk at the time of payment is required .

Background art of the present invention is disclosed in Republic of Korea Patent Publication No. 10-2015-0042385 (published on April 21, 2015).

The present invention was created to solve the above-described problems, and the purpose according to an aspect of the present invention is to eliminate the hassle of having to check the payment method directly to the purchaser when the seller performs the payment at the seller, and at the same time. The present invention is to provide a payment interface device and system for improving payment convenience by providing a method for linking a mobile communication terminal possessed by a cashier with a seller terminal.

Another object of the present invention is to provide a payment interface device and system capable of improving payment security by eliminating a security accident in which payment is made by changing the identification code output from the dealer terminal by a malicious taker.

The payment interface device according to an aspect of the present invention receives payment information of a purchaser who purchases a product, generates a payment information identifier that is identification information of the payment information, and then the payment terminal possessed by the payer generates the payment A payment interface device that recognizes an information identifier and outputs the payment information identifier so as to request payment to the payment server from the payment server, wherein the payment interface device includes first time information on a time point at which the payment information identifier is generated. Acquiring to generate authentication information for payment verification of the payer, and a payment request for the payer made through the payment terminal is based on a comparison result between the first time information identified from the authentication information and the reference time information. It is characterized by determining whether or not to proceed accordingly.

In the present invention, the payment interface device modulates the first time information to generate modulation information of a predefined type as the authentication information, and the first time information to be determined for determining whether to proceed with the payment request is: It is characterized in that it is grasped through demodulation of the modulation information.

In the present invention, the reference time information is second time information for a point in time when the authentication information is obtained by the payment terminal, and a payment request for the payer made through the payment terminal includes: the first time information and It is characterized in that it proceeds only when the error between the second time information is below a preset reference value.

The payment interface system according to an aspect of the present invention is a mobile communication terminal unit for a seller including one or more mobile communication terminals, and can be combined with each of the mobile communication terminals, and purchases a product input to the mobile communication terminals. And a payment interface unit for providing payment information of a payment to the payment, wherein each mobile communication terminal receives payment information of the payment and is coupled to the mobile communication terminal. After receiving authentication information for validity verification of the terminal from the interface unit for the payment, the payment information identifier for payment of the payment is generated by using the received payment information and authentication information, and then transferred to the interface unit for payment. The interface unit for the payer outputs the payment information identifier so that the payment terminal possessed by the payer recognizes the payment information identifier and requests payment to the payment server to the payment server. It is characterized in that payment is performed for the payer only when the validity of each mobile communication terminal is authenticated based on authentication information extracted from the payment information identifier received from each mobile communication terminal.

In the present invention, the authentication information is stored in the interface unit for the payer, it is characterized in that it comprises a unique identifier for the identification information for the seller, or the identification information for the interface unit for the payer.

In the present invention, the interface unit for a payer includes authentication information transmitted from each mobile communication terminal while being stored in the interface unit for the payer, and authentication information extracted from the payment information identifier received from the mobile communication terminal. If it matches, it is characterized in that it is determined that the validity of each mobile communication terminal is authenticated.

The payment interface system according to an aspect of the present invention is a mobile communication terminal unit for a seller including one or more mobile communication terminals, and can be combined with each of the mobile communication terminals, and provides payment information to the payer of the payer who purchased the product. It includes an interface unit for a payer, and a payment server, wherein each mobile communication terminal, in the state combined with the interface unit for the payer, generates authentication information for the payment authentication of the payer, and the generated authentication information The payment terminal owned by the payment is recognized by the payment terminal, and a payment information identifier for payment of the payment is generated and output based on the payment information of the payment, and the payment information identifier is sent to the payment terminal. Recognized by the payment terminal performs a function for requesting payment to the payment server to the payment server, the payment server, the authentication information recognized by the payment terminal, and the payment information by the payment terminal It is characterized by determining whether to approve the payment request from the payment terminal according to the comparison result between the authentication information extracted from the identifier.

In the present invention, each mobile communication terminal is characterized in that the authentication information is generated by using at least one of a seller identifier that is identification information for each mobile communication terminal and a seller identifier that is identification information for each mobile communication terminal.

In the present invention, each mobile communication terminal receives and modulates a store identifier stored in the interface unit for a payment from the interface unit for a payment to generate and output modulation information of a predefined type as the authentication information, The payment information identifier is generated and output based on the payment information of the payer and the store identifier stored in the interface unit for the payer, and the payment server grasps through demodulation of the modulation information recognized by the payment terminal. It is characterized in that the payment request from the payment terminal is approved when the dealer ID to be matched with the dealer ID extracted from the payment information ID.

In the present invention, each mobile communication terminal modulates a merchant identifier stored in each mobile communication terminal to generate and output modulation information of a predefined type as the authentication information, and the payment information identifier is the payment It is generated and output based on the payment information of the party and the vendor ID stored in the interface unit for the payment, and the payment server includes a seller ID and a payment identification that are identified through demodulation of the modulation information recognized by the payment terminal. It is characterized in that the payment request from the payment terminal is approved when the relationship between the vendor identifiers extracted from the identifier satisfies a predefined correspondence relationship.

In the present invention, each mobile communication terminal generates the authentication information by further using the first time information for the current time point, and a payment request for the payer made through the payment terminal is made by the payment terminal. Characterized in that the error between the first time information grasped on the basis of the recognized authentication information and the second time information for the time point at which the authentication information is acquired by the payment terminal is less than a preset reference value.

In the present invention, each mobile communication terminal, further generates the authentication information by using the first time information for the current time, the payment server, the payment server is identified based on the authentication information recognized by the payment terminal It is characterized in that the determination of whether to approve the payment request from the payment terminal is initiated only when the error between the one time information and the second time information for the current time is equal to or less than a preset reference value.

The payment interface system according to an aspect of the present invention is a mobile communication terminal unit for a seller including one or more mobile communication terminals, and can be combined with each of the mobile communication terminals. It includes a payment interface unit for payment, and a payment server, each mobile communication terminal, in the state coupled with the interface unit for the payment, the authentication information for payment authentication of the payment and the payment from the payment interface unit The payment information identifier for payment of the payment is generated by using the payment information of the payment, and the payment terminal possessed by the payment can recognize the payment information identifier to request payment to the payment server from the payment server. And outputting the payment information identifier so that the payment server determines whether to approve the payment request from the payment terminal according to the analysis result of the authentication information extracted from the payment information identifier by the payment terminal. do.

In the present invention, each mobile communication terminal uses the payment information identifier with the payment information using the seller identifier, which is identification information for the seller and identification information for each mobile communication terminal, as the authentication information. It is characterized by generating.

In the present invention, the payment server, when the relationship between the merchant identifier and the seller identifier extracted from the payment information identifier by the payment terminal satisfies a pre-defined correspondence relationship, characterized in that to approve the payment request from the payment terminal Is done.

The payment interface system according to an aspect of the present invention is a mobile communication terminal unit for a seller including one or more mobile communication terminals, and can be combined with each of the mobile communication terminals. It includes an interface unit for a payer, and an external server to provide to each of the mobile communication terminal, the authentication information for authentication of the combination validity premised to perform the payment for the payment to the external server, The combination validity includes at least one of a first combination validity between a seller and a seller, and a second combination validity between each mobile communication terminal and the interface unit for the payer, and the external server has previously defined the received authentication information. When the authenticated authentication relationship is satisfied, the combination validity is determined to be authenticated, and each mobile communication terminal operates as an authentication terminal that performs payment for the payer only when the combination validity is authenticated by the external server. It is characterized by.

In the present invention, the authentication information transmitted from the mobile communication terminal to the external server includes a first identifier including at least one of a seller identifier that is identification information for the seller and a terminal identifier that is an identifier for each mobile communication terminal. And a second identifier stored in the interface unit for the payer, including at least one of a dealer identifier that is identification information for the seller and a unique authentication identifier that is identification information for the interface unit for the payer. .

In the present invention, the external server determines that the first combination validity is authenticated when the seller identifier and the seller identifier satisfy a predefined authentication relationship, and the terminal identifier and the unique authentication identifier are predefined. When the authentication relationship is satisfied, it is determined that the second combination validity is authenticated.

In the present invention, after an authentication communication link for authentication of the combination validity is established between each of the mobile communication terminals and the interface unit for the payer, the second identifier is transmitted from the interface unit for the payer to each of the mobile communication terminals. Accordingly, when the authentication information including the first and second identifiers is transmitted from each of the mobile communication terminals to the external server, and the combination validity is authenticated by the external server, each of the mobile communication terminals and the payment It is characterized in that a payment communication link is established between the user interface units to perform payment for the payer.

In the present invention, when the payment communication link is established, each mobile communication terminal receives the payment information of the payment and transfers the payment information to the interface unit for the payment with the first identifier, and the interface unit for payment is the A payment information identifier for payment of the payer is generated by using payment information of the payer, the first identifier, and the second identifier, and the payment terminal possessed by the payer recognizes the payment information identifier so that the payer And outputting the payment information identifier so that payment can be requested to the payment server.

In the present invention, the external server further includes a payment server that determines whether to approve the payment request from the payment terminal and feeds back the approval result, and the payment server extracts from the payment information identifier by the payment terminal. It is characterized in that it is determined whether to approve the payment request from the payment terminal by verifying whether or not authentication is performed between the first and second identifiers.

According to one aspect of the present invention, the present invention can improve the convenience of payment by dividing and implementing a terminal terminal provided at a dealership into an interface device for a sales office cashier and a purchaser, and to identify a seller delivered from the purchaser Payment security can be improved by employing a system that checks whether the code corresponds to the actual identification code output from the vendor terminal.

1 is a block diagram illustrating a payment interface device according to a first embodiment of the present invention.
2 is an exemplary view showing a sub-configuration of a payment interface device according to a first embodiment of the present invention.
3 is a block diagram for explaining the operation of the payment interface device according to the first embodiment of the present invention.
4 is a block diagram illustrating a payment interface system according to a second embodiment of the present invention.
5 is an exemplary view showing an implementation of a payment interface system according to a second embodiment of the present invention.
6 is an exemplary view for explaining the operation of the payment interface system according to the second embodiment of the present invention.
7 to 12 are exemplary views for explaining the operation of the payment interface system according to the third embodiment of the present invention.
13 is an exemplary view for explaining the operation of the payment interface system according to the fourth embodiment of the present invention.

1 is a block diagram for explaining a payment interface device according to a first embodiment of the present invention, and FIG. 2 is an exemplary view showing a sub-configuration of a payment interface device according to a first embodiment of the present invention, 3 is a block diagram for explaining the operation of the payment interface device according to the first embodiment of the present invention.

Referring to FIG. 1, the payment interface device 100 according to the first embodiment of the present invention may include an interface unit 110 for a seller and an interface unit 120 for a payment, the payment terminal 200 and payment Payment with the server 300 may be performed through communication with the server 300.

Referring to FIG. 2, the sub-components of the interface unit 110 for a seller and the interface unit 120 for a payer will be described first, and the interface unit 110 for the seller will first check payment information (order history and payment amount) ) For receiving input from the seller, the first input unit 111, and the payment information input through the first input unit 111 and the identifier of the payment received from the interface unit 120 for payment, which will be described later, to the seller. One output unit 112 may be included. The first input unit 111 may include a keyboard, a scanner (eg, a QR code scanner, a barcode scanner, etc.) and a voice/sound recognition device (eg, a microphone, etc.) to receive payment information, and the first output unit ( 112) may include a display device (eg, LCD, etc.) and a voice/sound output device for outputting payment information and a payment identifier to a seller.

The payer interface unit 120 is provided so that the payer can check the payment information input to the second input unit 121 for receiving the payer identifier from the payout terminal 200 to be described later, and the interface unit 110 for the seller. It may include a second output unit 122 for. The second input unit 121 may include a keyboard, a scanner (eg, a QR code scanner, a barcode scanner, etc.) and a voice/sound recognition device (eg, a microphone, etc.) to receive a payment identifier from the payment terminal 200. In addition, the second output unit 122 may include a display device (eg, LCD, etc.) and a voice/sound output device for outputting payment information to a payer. On the other hand, the payment information (order history and payment amount) of the payer who purchased the product is not only through the first input unit 111 of the interface unit 110 for the seller, but also through the second input unit 121 of the interface unit 120 for the payer. Can be entered..

The interface unit 110 for the seller and the interface unit 120 for the payer may be designed in a structure that can be combined and separated, and when they are installed separated from each other by a retailer, information can be transmitted and received through wired/wireless communication. For example, the interface unit 110 for a seller may be installed at a location where a sales office cashier resides, such as a checkout counter, and the interface unit 120 for a payer may be installed at a table (eg, a restaurant table) in which a payer is located. In addition, the interface unit 110 for the seller and the interface unit 120 for the payer installed spaced apart from each other can transmit and receive information through wired or wireless communication.

Based on the sub-configuration of the above-mentioned interface unit 110 for merchants and interface unit 120 for payers, the operation of the interface unit 110 for merchants and the interface unit 120 for payers will be described in detail below.

The interface unit 110 for the seller acquires a payment identifier (QR code, barcode, or short-range wireless communication (NFC, Bluetooth) data, etc.) that is identification information of the payment from the payment terminal 200 possessed by the payment purchaser who purchased the product, , The payment information of the payment is received so as to match the obtained payment identifier, and payment for the payment can be requested to the payment server 300 based on the inputted payment information.

First, when describing an embodiment in which the seller interface unit 110 acquires a payer identifier, the seller interface unit 110 obtains a payer identifier output to the payment terminal 200 and the payer interface unit 120 ) Can receive the payer identifier.

That is, the payer interface unit 120 may obtain the payer identifier output to the payment terminal 200 through a second input unit 121 (eg, a QR code scanner or a barcode scanner), and the seller interface unit 110 ) May receive a payer identifier through wired/wireless communication from the payer interface unit 120 and output the payer identifier through the first output unit 112. In this case, it may be applied when the payment terminal 200 can generate only a payment coder identifier in the form of a QR code or barcode due to the limitation of the protocol.

In addition, the interface unit 110 for the seller may directly obtain and obtain the identifier of the payment from the payment terminal 200 without passing through the interface unit 120 for payment, and output the result through the first output unit 112. In this case, it may be applied when the payment terminal 200 supports the short-range wireless communication protocol to generate the payer identifier in the form of short-range wireless communication data.

After obtaining the payer identifier, the seller interface unit 110 may receive payment information of the payer so as to match the obtained payer identifier, and the payment server pays for the payer based on the entered payment information ( 300).

That is, after the payer passes the payer identifier through the payment terminal 200 to the interface unit 110 for the seller (via the interface unit 120 for payment or directly), it is output through the first output unit 112. If the payment information is matched with the payment information and the payment information is scanned by the sales office cashier, the seller interface unit 110 may request payment to the payment server 300 based on the input payment information. have. Accordingly, the inconvenience of having to recognize each person by scanning the identifier of the payer such as the QR code or barcode output from the payment terminal 200 from the point of view of the sales office can be eliminated, and the payment terminal 200 can be removed from the perspective of the payer. There is no need to present it directly to the sales agent's cashier, and the payment unit identifier is a merchant interface unit 110 for merchants in a simple manner of tagging the payment ID to the first input unit 111 of the payment unit interface unit 120 installed at the table where the payment is located. ).

On the other hand, in this embodiment, the seller interface unit 110 outputs a payment identifier obtained from the payment terminal 200 to receive payment information to match the output payment identifier, or from the payment terminal 200 Payment information can be received by converting and outputting the obtained payer identifier into a payer identifier of a predetermined type, and receiving payment information to match the converted payer identifier.

That is, the interface unit 110 for the seller may receive the payment identifier from the payment interface 200 for obtaining the payment identifier from the payment terminal 200, and output the payment through the first output unit 112 as it is. , If a plurality of payers exist, considering the case in which the payer identifier generation protocol supported by each payment terminal possessed by each payer is different, the interface unit 110 for the seller is the payer identifier from the payment terminal 200 The payer identifier may be received from the acquired payer interface unit 120 and converted into a payer identifier of a predetermined type to be output through the first output unit 112.

For example, even if the payment terminal 200 possessed by the payer delivers heterogeneous payer identifiers such as QR codes, barcodes, or data for short-range wireless communication (NFC, Bluetooth, etc.), the interface unit 110 for sellers may be heterogeneous. The payer identifier may be converted into a payer identifier of a predetermined type (for example, a barcode) and output through the first output unit 112. Accordingly, the sales office cashier can input payment information by tagging the payment identifier through one type of scanning equipment for various payment identifiers.

Meanwhile, the interface unit 110 for the seller generates one or more service-linked payer identifiers for linking with one or more payment services based on the obtained payer identifiers, and provides the seller with one of the generated one or more service-linked payer identifiers. The payment information of the payer may be input so as to match the service linked payer identifier selected by the service.

For example, when the interface unit 110 for a seller acquires a payer identifier according to an A Pay (eg, a card company) payment service from the payment terminal 200, the seller interface unit 110 provides a service-linked payer identifier As the payer identifier according to the A Pay payment service, the payer identifier according to the B Bank (eg bank company) payment service, the payer identifier according to the C payment integrated relay service, the payer identifier according to the electronic payment agency service, VAN Generates a payer identifier according to the service and a payer identifier according to the electronic financial assistant business service, outputs it through the first output unit 112, and among the output service linked payer identifiers, is a service linked payer identifier selected by a sales agent. Payment information of the payer may be input so as to be matched with. Accordingly, the sales office cashier can perform payment for the payer according to the desired payment method.

Through the first embodiment, the payment interface device 100 provided in the sales office is implemented by dividing it into the interface unit 110 for the seller for the cashier and the interface unit 120 for the payment for the payer, thereby performing payment at the retailer It is possible to improve the convenience of payment by eliminating the hassle of having to check the payment method directly with the purchaser of the city.

In the above, the process of payment for the payer based on the linkage operation of the interface unit 110 for the seller and the interface unit 120 for the payer included in the payment interface device 100 has been described as a method for requesting payment to the merchant terminal. Based on the above-described configuration of the payment interface device 100, hereinafter, a configuration employed in this embodiment will be described with reference to FIG. 3 to prevent the above-described security accident caused in the case of the payment terminal payment request method. .

The payment interface device 100 of the present embodiment receives payment information of a purchaser who purchases a product from a sales office cashier, generates payment information identifiers (eg, QR codes, barcodes, strings, etc.) of payment information, and then pays The payment terminal 200 owned by the user may recognize the generated payment information identifier (scan or tag) and output a payment information identifier so that the payment to the payment server 300 can be requested by the payment server.

That is, the seller interface unit 110 of the payment interface device 100 receives payment information of the payment from the sales office cashier through the first input unit 111, generates a payment information identifier, and then transmits the payment information to the payment interface unit 120. The payment, and the interface unit 120 for the payer recognizes the payment information identifier so that the payment terminal 200 recognizes the payment information identifier and requests the payment to the payment server 300, so that the payment information identifier is output to the second output unit 122. Can be output via Accordingly, the payment terminal 200 may recognize the payment information identifier output through the second output unit 122 of the interface unit 120 for the payment, and request the payment for the payment to the payment server 300.

At this time, the payment interface device 100 may obtain first time information on a time point at which the payment information identifier is generated to generate authentication information for payment verification of the payer, and specifically modulate the first time information. By doing so, it is possible to generate modulation information of a predefined type (eg, inaudible band modulated sound waves) as authentication information. Since the authentication information (that is, the tamper information) reflects the first time information regarding the time when the payment information identifier is generated, it has a one-time characteristic, and if it is intended to be duplicated to perform payment, the payment may be invalidated. It has a characteristic. When the modulation information is generated in the form of an inaudible band-modulated sound wave, the directivity and intensity of the inaudible band-modulated sound wave are determined by the payment terminal at a distance such that the payment terminal can recognize (scan or tag) the payment information identifier. It may be set to receive a blue-band modulated sound wave.

Accordingly, a payment request for a payer made through the payment terminal 200 may be determined according to a comparison result between the first time information and the reference time information, which are identified from the authentication information. Since the authentication information is modulation information generated by modulating the first time information, the first time information determined to determine whether to proceed with the payment request can be identified through demodulation of the modulation information. In addition, the reference time information may be second time information for a point in time when authentication information is acquired by the payment terminal 200, and accordingly, a payment request to a payer made through the payment terminal 200 is first. It can proceed only when the error between the time information and the second time information is less than or equal to a preset reference value (ie, the payment terminal 200 is sent to the payment server 300 only when the error between the first time information and the second time information is less than or equal to the reference value) Payment can be requested).

That is, since there may be a predetermined time difference between the time when the payment information identifier is generated (first time information) and the time when the payment terminal 200 acquires authentication information (second time information), considering the time difference After preparing the above reference value, the payment terminal 200 may request payment from the payment server 300 only when the error between the first time information and the second time information is equal to or less than the reference value.

Accordingly, it is possible to make payment impossible through the payment information identifier output through another medium other than the payment interface device 100 of the present embodiment provided in the corresponding retailer.

4 is a block diagram illustrating a payment interface system according to a second embodiment of the present invention, and FIG. 5 is an exemplary view showing an implementation of a payment interface system according to a second embodiment of the present invention, 6 is an exemplary diagram for explaining the operation of the payment interface system according to the second embodiment of the present invention.

Referring to FIG. 4, the payment interface system 1000 according to the second embodiment of the present invention may include a mobile communication terminal unit 130 for a seller and an interface unit 120 for a payment, and a mobile communication terminal for a seller The unit 130 may include one or more mobile communication terminals for payment processing at the dealership. The mobile communication terminal unit 130 for the seller and the interface unit 120 for the payer may perform payment for the payer through communication with the payment terminal 200 and the payment server 300.

The second embodiment is an embodiment in which the seller's interface unit 110 in the first embodiment is replaced with each mobile communication terminal included in the seller's mobile communication terminal unit 130. In the second embodiment, a method for operating the payment interface unit 120 in conjunction with a mobile communication terminal such as a smartphone or tablet possessed by a sales office cashier, or its universal operating system (OS) is provided.

As a premise for this, the payment service application distributed as a form of software operated in an OS (for example, Android OS) installed in each mobile communication terminal is installed in the interface unit 120 for payment, so that it can operate. 120, the same OS as the mobile communication terminal may be installed. For example, since the same OS as the OS installed in the mobile communication terminal is installed in the interface unit 120 for the payer, the A Bank application, B Bank application, or C Pay application operating in the OS installed in the mobile communication terminal is the interface unit for the payer. It is possible to operate in conjunction with (120).

Furthermore, in the second embodiment, an application that provides a function performed by the mobile communication terminal described below as a'mobile communication terminal' in order to clarify the subject replacing the interface unit 110 for the seller of the first embodiment. Any installed terminal can function as the mobile communication terminal of the second embodiment (eg, a dedicated terminal manufactured by a terminal manufacturer, as well as a general-purpose terminal (eg, Android smartphone), if the application is installed, the mobile communication of the second embodiment Can function as a terminal).

Based on the above, the operation of the payment interface system 1000 according to the second embodiment will first be described as a payment method for a terminal terminal.

The payer interface unit 120 can be combined with each mobile communication terminal included in the seller's mobile communication terminal unit 130, and provides payment information to the payer who purchased the product, input to each mobile communication terminal. can do.

Each mobile communication terminal included in the mobile communication terminal unit 130 for a seller, in a state combined with the interface unit 120 for a payer, receives a payer identifier, which is identification information of the payer, from the payment terminal 200 carried by the payer. Acquiring, receiving payment information of the payment to match the acquired payment identifier, and may request payment to the payment server 300 based on the input payment information.

Referring to FIG. 5 as a specific example, when there are a plurality of sales counter cashiers, each of the mobile communication terminals 131 and 132 possessed by each sales counter cashier configures the mobile communication terminal unit 130 for the seller, and the first sales counter When the first mobile communication terminal 131 carried by the cashier is combined with the interface unit 120 for the payer, the same function as the payment interface device 100 described in the first embodiment can be performed. Accordingly, while the first mobile communication terminal 131 is coupled to the payer's interface unit 120, the payer (via the payer's interface unit 120 or directly) from the paying terminal 200 owned by the payer Acquiring the identifier, receiving payment information of the payment through the input unit (input button or touch panel, etc.) provided in the first mobile communication terminal so as to match the obtained payment identifier, to the payment based on the input payment information Payment to the payment server 300 may be requested.

Next, the operation of the payment interface system 1000 according to the second embodiment will be described as a payment request method of a payment terminal.

Each mobile communication terminal included in the seller's mobile communication terminal unit 130 receives payment information of the payer and receives payment information identifier, which is identification information of the input payment information, in a state of being combined with the interface unit 120 for payment. It can be generated (each mobile communication terminal may have a dedicated application for generating a payment information identifier) can be delivered to the payment interface unit 120. Then, the interface unit 120 for the payer may output the payment information identifier so that the payment terminal 200 possessed by the payer recognizes the payment information identifier and requests payment to the payment server 300 for the payment. Accordingly, the payment terminal 200 obtains the payment information identifier output by the interface unit 120 for the payer (for example, a barcode output by the second output unit 122 of the interface unit 120 for the payer or It can be obtained by tagging the QR code) The payment server 300 may request payment for the payer.

In the above case, the forged payment information identifier is output from the interface unit 120 for the payer because the mobile communication terminal that is not valid due to hacking or the like transmits the forged payment information identifier to the interface unit 120 for the payer. Security accidents in payments for may occur. The configuration of this embodiment employed to solve this problem will be described with reference to FIG. 6.

Referring to FIG. 6, each mobile communication terminal of the present embodiment receives payment information of a payer and combines authentication information for validity verification of each mobile communication terminal in a state combined with the interface unit 120 for a payer. It is input from the unit 120 (the time-series order of receiving payment information and authentication information may vary depending on the actual implementation), and the payment information identifier for payment of the payer using the received payment information and authentication information After creation, it can be delivered to the interface unit 120 for the payer. Here, the authentication information may include a store identifier, which is identification information for the seller, or a unique authentication identifier, which is identification information for the interface unit 120 for the payer, stored in the interface unit 120 for the payer.

Accordingly, the interface unit 120 for the payer can perform payment for the payer only when the validity of each mobile communication terminal is authenticated based on the authentication information extracted from the payment information identifier received from each mobile communication terminal (ie. , Only when the validity of the mobile communication terminal is authenticated, the payment information identifier received from each mobile communication terminal can be output).

Specifically, the payment interface unit 120, the authentication information delivered to each mobile communication terminal in the state stored in the payment interface unit 120, and the authentication information extracted from the payment information identifier received from the mobile communication terminal If is, it may be determined that the validity of each mobile communication terminal is authenticated.

That is, each mobile communication terminal generates a payment information identifier such that a merchant identifier or a unique authentication identifier stored in the payment interface unit 120 is reflected in the payment information identifier, and the payment interface unit 120 is from the mobile communication terminal. If a dealer identifier or a unique authentication identifier is extracted from the received payment information identifier, and the extracted dealer identifier or unique authentication identifier matches the store identifier or unique authentication identifier stored therein, the validity of each mobile communication terminal is verified. It is possible to judge and output the payment information identifier. If the extracted merchant identifier or unique authentication identifier is different from the merchant identifier or unique authentication identifier stored therein, it is determined that the payment information identifier is generated by the invalid mobile communication terminal, and the payment is made to the payer. Can be stopped.

7 to 12 are exemplary views for explaining the operation of the payment interface system in the third embodiment of the present invention.

The payment interface system 1000 described in the third embodiment maintains the operations of the mobile communication terminal unit 130 for the seller and the interface unit 120 for the payer of the second embodiment operating in the payment request method of the payment terminal, However, there are differences in the subject and method of performing payment authentication of the payer. Hereinafter, a description will be given focusing on a subject and a method of performing payment authentication.

As in the second embodiment, the mobile communication terminal unit 130 for the seller may include one or more mobile communication terminals, and the interface unit 120 for the payer can be combined with each mobile communication terminal, and the payer who purchased the product Payment information can be provided to the payer. The payment information of the payer may be inputted through the interface unit 110 for the seller and transmitted to the interface unit 120 for the payer, or may be inputted through the interface unit 120 for the payer and transmitted to the interface unit 110 for the seller. It might be.

In addition, in the third embodiment, in the state where each mobile communication terminal is combined with the interface unit 120 for the payer, authentication information for payment authentication of the payer is generated, and the generated authentication information is output, so that the payment is carried by the payer. The terminal 200 may allow authentication information to be recognized. And, the payment information identifier (that is, the payment information identifier recognized by the payment terminal 200 performs a function of allowing the payment terminal 200 to request payment to the payment server 300 for the payment) is the payment of the payment It can be generated and output based on information.

Accordingly, the payment server 300 pays from the payment terminal 200 according to a comparison result between authentication information recognized by the payment terminal 200 and authentication information extracted from the payment information identifier by the payment terminal 200. You can decide whether to approve the request.

That is, in the third embodiment, the function of generating and outputting the authentication information and the function of generating and outputting the payment information identifier are configured such that the mobile communication terminal and the interface unit 120 for the payer can share and perform the payment terminal ( 200) by performing authentication by comparing the authentication information recognized by the payment information and the authentication information extracted from the payment information identifier by the payment terminal 200, and only when the combination of the mobile communication terminal and the payment interface unit 120 is valid. Security can be improved because payment authentication can be made.

When generating authentication information, each mobile communication terminal may generate authentication information using one or more of a seller identifier and a seller identifier. As described above, the dealer identifier indicates the identification information for the seller. In addition, the seller identifier means identification information for the mobile communication terminal, and when there are multiple sales office cashiers at one sales office, it may function as information for identifying each seller. Furthermore, each mobile communication terminal may generate authentication information by further using the first time information for the current time.

Referring to FIGS. 7 to 9, an operation in the case where the mobile communication terminal generates authentication information using the dealer identifier and the first time information will be described.

Each mobile communication terminal may receive and modulate the store identifier stored in the interface unit 120 for a payment from the interface unit 120 for a payment to generate and output modulation information of a predefined type as authentication information. At this time, as described above, the first time information for the current time point may also be reflected in the modulation information. Thereafter, each mobile communication terminal receives payment information of the payer (the time-series order in which the modulation information is generated and the payment information is input may vary depending on the actual implementation).

Subsequently, a payment information identifier may be generated based on payment information of the payment input through the mobile communication terminal and a dealer ID stored in the interface unit 120 for the payment. The subject generating the payment information identifier may be a mobile communication terminal or an interface unit 120 for a payer. That is, as illustrated in FIG. 7, the mobile communication terminal receives payment information of the payment agent from the sales office cashier, generates payment information identifiers based on the payment information and the retailer identifier, and then transfers the payment to the payment interface unit 120 The payment information identifier may be output through the user interface unit 120, and as shown in FIG. 8, the mobile communication terminal receives payment information of the payer from the sales office cashier and delivers the payment information to the payer interface unit 120. The user interface unit 120 may generate and output a payment information identifier based on the payment information of the payer received and the store identifier stored therein, and the payment interface unit 120 pays as shown in FIG. 9. The user's payment information may be inputted from a sales office cashier and transmitted to a mobile communication terminal, and a payment information identifier may be generated and output based on the payment information and the dealer ID received from the mobile communication terminal.

Thereafter, the payment server 300 requests payment from the payment terminal 200 when the dealer ID identified through demodulation of the modulation information recognized by the payment terminal 200 and the dealer ID extracted from the payment information ID match. Can approve.

That is, the payment server 300 receives the dealer identifier identified as a result of demodulation by the payment terminal 200 by recognizing and modulating the modulation information output through the mobile communication terminal, and the mobile communication terminal or the interface for the payer After the payment terminal 200 recognizes the payment information identifier output through the unit 120 and transmits the extracted dealer identifier from the payment terminal 200, if the two received distributor identifiers match, from the payment terminal 200 Can approve payment requests.

On the other hand, as a step before the payment server 300 is determined whether to approve the payment request, as shown in FIGS. 7 to 9, the payment request for the payment made through the payment terminal 200, payment terminal It may be performed only when the error between the first time information grasped on the basis of the authentication information recognized by the 200 and the second time information on the time point at which the authentication information is obtained by the payment terminal 200 is equal to or less than a preset reference value. . That is, as in the first embodiment, the payment terminal 200 determines the first time information and the time point when the authentication information is obtained as a result of demodulating the authentication information (that is, the modulation information) output through the mobile communication terminal. Payment can be requested to the payment server 300 only when the error between the second time information is below a reference value.

Next, with reference to FIG. 10, an operation in the case where the mobile communication terminal generates authentication information using the seller identifier and the first time information will be described.

Each mobile communication terminal may generate and output modulation information of a predefined type as authentication information by modulating the merchant identifier stored in each mobile communication terminal. At this time, as described above, the first time information for the current time point may also be reflected in the modulation information. Thereafter, each mobile communication terminal receives payment information of the payer (the time-series order in which the modulation information is generated and the payment information is input may vary depending on the actual implementation).

Subsequently, a payment information identifier may be generated based on payment information of the payment input through the mobile communication terminal and a dealer ID stored in the interface unit 120 for the payment. FIG. 10 shows an example in which the principal generating the payment information identifier is the interface unit 120 for the payer, but the subject generating the payment information identifier may be a mobile communication terminal as described above.

Subsequently, the payment server 300, when the relationship between the seller identifier identified through demodulation of the modulation information recognized by the payment terminal 200 and the seller identifier extracted from the payment information identifier satisfies a predefined correspondence relationship The payment request from the payment terminal 200 may be approved.

That is, as described above, when considering that a seller identifier means identification information for a mobile communication terminal and functions as information for identifying each seller when there are multiple sales office cashiers at a single retailer, a plurality of merchant identifiers are used. A mapping relationship of 1:N (where N is the number of seller identifiers) that is dependently linked to one vendor identifier may be defined. Accordingly, in a state in which the corresponding relationship between the seller identifier and the seller identifier subordinate thereto is defined in the payment server 300, the payment server 300 has a plurality of seller identifiers linked to the seller identifier extracted from the current payment information identifier. Among them, if there is a seller identifier identified through demodulation of the modulation information recognized by the payment terminal 200, it is determined that the above correspondence relationship is satisfied, and the payment request from the payment terminal 200 can be approved.

As a step before the approval of the payment request is determined by the payment server 300, as shown in FIG. 10, the payment request for the payer made through the payment terminal 200 is performed by the payment terminal 200 The error between the first time information, which is identified based on the recognized authentication information, and the second time information, when the authentication information is obtained by the payment terminal 200, may be performed only when the error is equal to or less than a preset reference value. Since it is one, detailed description is omitted.

On the other hand, FIG. 10 shows an example in which the subject generating and outputting the authentication information is a mobile communication terminal. However, according to an embodiment, as shown in FIG. 11, after the mobile communication terminal generates authentication information, an interface unit for a payer It may be implemented as an embodiment in which the payment terminal 200 recognizes the authentication information by transmitting to the 120 and outputting the authentication information by the payment interface unit 120. In the example in which the authentication information is an inaudible band-modulated sound wave, the authentication information may be output through a voice/sound output device of the second output unit 122 of the payer interface unit 120.

In addition, in FIG. 10, the process of determining whether the error between the first time information and the second time information is less than or equal to a reference value, which is performed prior to determining whether to approve the payment request from the payment terminal 200, that is, primary payment authentication. Although an example performed by the payment terminal 200 as a condition of a payment request is illustrated, the primary payment authentication may be implemented as an embodiment performed by the payment server 300 as shown in FIG. 11. In this case, the payment server 300 is the first time information identified based on the authentication information recognized by the payment terminal 200 and the current time point (that is, the current time point at which the payment server 300 performs the primary payment authentication). ), the second payment authentication process for determining whether to approve the payment request from the payment terminal 200 may be initiated only when the error between the second time information is less than or equal to a preset reference value.

In the above, it has been described as a configuration in which the mobile communication terminal generates authentication information by selectively using the seller identifier and the seller identifier, and according to an embodiment, the mobile communication terminal uses both the seller identifier and the seller identifier as authentication information, and thus the payment information identifier The payment authentication process may be performed by generating and outputting and analyzing the payment by the payment server 300 (the authentication information is generated by modulating the authentication information generated by the seller ID or the seller ID with the first time information as in the above-described embodiment). It does not mean that the seller identifier and the seller identifier itself function as authentication information used to generate the payment information identifier).

In this case, each mobile communication terminal is combined with the interface unit 120 for the payer, and the payment of the payer by using the authentication information for payment verification of the payer and the payment information of the payer received from the interface unit 120 for the payer. The payment information identifier may be generated, and the payment information identifier may be output so that the payment terminal 200 possessed by the payer recognizes the payment information identifier and requests payment to the payment server 300 to the payment server. Then, the payment server 300 may determine whether to approve the payment request from the payment terminal 200 according to the analysis result of the authentication information extracted from the payment information identifier by the payment terminal 200.

In detail, referring to FIG. 12, the mobile communication terminal delivers the store identifier stored in the interface unit 120 for payment and payment information input through the interface unit 120 for payment from the interface unit 120 for payment. Can receive Accordingly, the mobile communication terminal may generate and output the payment information identifier using the seller identifier stored in the mobile communication terminal, the merchant identifier received from the interface unit 120 for payment, and payment information.

Thereafter, the payment server 300 approves the payment request from the payment terminal 200 when the relationship between the seller identifier and the seller identifier extracted from the payment information identifier by the payment terminal 200 satisfies a predefined correspondence relationship. Can.

That is, in the above case, since both the seller identifier and the seller identifier are reflected in the payment information identifier, the seller identifier and the seller identifier may be extracted through the payment terminal 200 recognizing the payment information identifier, and the extracted seller identifier and When the seller identifier satisfies a predefined correspondence, a payment request from the payment terminal 200 may be approved. Since the description of the above has been described above, detailed description will be omitted.

13 is an exemplary view for explaining the operation of the payment interface system according to the fourth embodiment of the present invention.

In the payment interface system 1000 described in the fourth embodiment, the operations of the mobile communication terminal unit 130 for the sellers and the interface unit 120 for the payers of the second and third embodiments that operate in the payment request method of the payment terminal are performed. In addition, before the payment terminal 200 makes a payment request to the payment server 300, pre-authentication is performed in stages to propose a configuration for improving payment security.

Meanwhile, apart from the terms used in the first to third embodiments described above, terms used in the fourth embodiment are first defined. In the fourth embodiment, the seller identifier is defined to mean identification information for a seller (for example, a seller who has logged in to a payment application executed in a mobile communication terminal to perform payment for a payer), and the terminal identifier is It is defined as meaning a unique identifier of a mobile communication terminal. In addition, the first identifier indicated below is defined to include at least one of a seller identifier and a terminal identifier. The vendor identifier and the unique authentication identifier are used in the same sense as the above-described embodiment, and the second identifier indicated below is defined to include at least one of the vendor identifier and the unique authentication identifier. Based on these definitions, the operation of the payment interface system 1000 of the fourth embodiment will be described.

The mobile communication terminal unit 130 for the seller may include one or more mobile communication terminals, and the interface unit 120 for the payer may be combined with each mobile communication terminal, and the payment information of the payer who purchased the product is a mobile communication terminal. It can be input from and provided to the payer.

In the fourth embodiment, each mobile communication terminal may transmit authentication information for authentication of combination validity premised to perform payment for the payer to the external server 300. Here, the combination validity may include at least one of a first combination validity between a seller and a seller and a second combination validity between each mobile communication terminal and the interface unit 120 for a payment. The first combination validity indicates whether the combination between the seller and the seller is a pre-registered valid combination, and the second combination validity indicates whether the combination between the mobile communication terminal and the payer interface unit 120 is a pre-registered valid combination ( Details will be described later). The external server 300 functions as a separate server provided for authentication of the combination validity described above, and may store information on an authentication relationship required to authenticate the combination validity. Accordingly, when the authentication information received from the mobile communication terminal satisfies a predefined authentication relationship, the external server 300 may determine that the combination validity is authenticated. The external server 300 may be implemented independently of the payment server 300, or may be implemented as an embodiment in which the payment server 300 integrally performs the functions of the external server 300, and the external server 300 ) May be implemented in a configuration including a payment server 300. For convenience, in Fig. 13, the payment server and the external server are represented by the same reference numerals.

The mobile communication terminal may operate as an authentication terminal that performs payment for the payer only when the combination validity is authenticated by the external server 300. Acting as an authentication terminal that performs payment for a payer means that, for example, a function of receiving payment information of a payer from a sales office cashier and delivering it to the interface unit 120 for the payer is activated, so that the payment of the payer can be normally performed. Can mean

The operation of the above-described payment interface system 1000 will be described in detail with reference to FIG. 13.

First, before the payment process for the payer proceeds, an authentication communication link for authentication of combinational effectiveness may be established between each mobile communication terminal and the interface unit 120 for the payer. The authentication communication link is a lower layer communication link in which the second identifier is transmitted from the interface unit 120 for the payment to the mobile communication terminal for authentication of combination validity, such as a short-range wireless communication link such as Bluetooth or a short-range wire according to a USB connection. It may be implemented as a P2P communication link such as a communication link. After the authentication communication link is established, as the second identifier is transferred from the payment interface unit 120 to the mobile communication terminal, authentication information including the first and second identifiers is transmitted from the mobile communication terminal to the external server 300. Can be.

Accordingly, when the received authentication information satisfies a predefined authentication relationship, the external server 300 may determine that the combination validity is authenticated. For embodiments in which the first and second identifiers are the seller identifier and the seller identifier, respectively, the external server 300 may determine that the first combination validity is authenticated when the seller identifier and the seller identifier satisfy a predefined authentication relationship. have. At this time, the predefined authentication relationship may refer to information pre-registered in the external server 300 as a corresponding relationship between the seller and the seller, to determine whether the seller is an authorized seller for selling a product or service at the corresponding seller. have.

On the other hand, in the embodiment where the first and second identifiers are terminal identifiers and unique authentication identifiers, respectively, the external server 300 authenticates the second combination validity when the terminal identifier and the unique authentication identifier satisfy a predefined authentication relationship. You can judge that. At this time, the predefined authentication relationship is a correspondence relationship between the mobile communication terminal and the interface unit 120 for the payer, to determine whether the combination of the mobile communication terminal and the interface unit 120 for the payer is valid, to the external server 300. It may mean pre-registered information.

When the combination validity is authenticated by the external server 300, the authentication result may be transmitted to the mobile communication terminal, and accordingly, perform payment for the payer between each mobile communication terminal and the interface unit 120 for the payer. For the payment communication link can be established. The payment communication link may mean an upper-layer communication link through which payment information input to the mobile communication terminal is transmitted to the interface unit 120 for the payment, so that a substantial payment process for the payment can be performed.

When the payment communication link is established through the above-described process, each mobile communication terminal may receive payment information of the payment from the sales office cashier and transmit it to the interface unit 120 for the payment with the first identifier. In addition, the interface unit 120 for the payer generates a payment information identifier for payment of the payer using the payment information of the payer, the first identifier, and the second identifier, and the payment terminal 200 possessed by the payer is the payment information identifier By recognizing, it is possible to output the payment information identifier so that the payment server 300 can request payment for the payment. Accordingly, the payment terminal 200 may request payment to the payment server 300 by recognizing the payment information identifier output to the payment interface unit 120.

Thereafter, the payment server 300 may determine whether to approve the payment request from the payment terminal 200 by verifying whether the authentication between the first and second identifiers extracted from the payment information identifier is performed by the payment terminal 200. That is, the payment server 300 verifies whether the combination validity of the first and second identifiers has been authenticated by the external server 300, and then approves the payment request from the payment terminal 200 only when it is verified. It is possible to make payment for the payer complete.

On the other hand, as a method for verifying whether the payment server 300 is authenticated between the first and second identifiers, an authentication relationship defined in the external server 300 described above is also defined in the payment server 300, so that the first and second A method in which the payment server 300 secondarily determines whether the identifier satisfies the authentication relationship may be applied. As another embodiment, when it is determined by the external server 300 that the first and second identifiers satisfy the authentication relationship, the external server 300 adds a predetermined authentication flag to the authentication result delivered to the mobile communication terminal. Then, the payment interface unit 120 generates payment information identifiers by using the authentication flags together with the payment information, the first and second identifiers, and then the authentication flags extracted from the payment information identifiers by the payment terminal 200. The verification between the first and second identifiers may be verified by the method checked by the payment server 300.

As described above, the present embodiment can improve the convenience of payment by dividing and implementing the dealer terminal provided at the dealership into an interface device for the dealership cashier and the purchaser, and the identification code of the dealership delivered from the purchaser at the dealership terminal. Payment security can be improved by employing a system that checks whether the corresponding real identification code is output.

The present invention has been described with reference to the embodiments shown in the drawings, but these are merely exemplary, and those skilled in the art to which the technology pertains are capable of various modifications and other equivalent embodiments. Will understand. Therefore, the true technical protection scope of the present invention should be defined by the claims below.

1000: payment interface system
100: payment interface device
110: interface unit for sellers
111: first input
112: first output
120: interface unit for the payer
121: second input unit
122: second output unit
130: mobile communication terminal unit for sellers
131, 132: first and second mobile communication terminals
200: payment terminal
300: payment server, external server

Claims (21)

After receiving payment information of the purchaser who purchased the product and generating a payment information identifier that is identification information of the payment information, the payment terminal possessed by the payer recognizes the generated payment information identifier and makes payment for the payment. A payment interface device that outputs the payment information identifier so that it can be requested by a payment server,
The payment interface device obtains first time information on a time point at which the payment information identifier is generated, and generates authentication information for payment verification of the payment person,
The payment request to the payer made through the payment terminal is determined whether or not to proceed according to a comparison result between the first time information and the reference time information, which are identified from the authentication information,
The reference time information is second time information for a time point when the authentication information is obtained by the payment terminal,
Payment request for the payment made through the payment terminal, the payment interface device characterized in that proceeds only when the error between the first time information and the second time information is less than a preset reference value.
According to claim 1,
The payment interface device modulates the first time information and generates modulation information of a predefined type as the authentication information,
A payment interface device characterized in that the first time information grasped to determine whether to proceed with the payment request is grasped through demodulation of the modulation information.
delete A mobile communication terminal unit for a seller including at least one mobile communication terminal; And
It is possible to combine with each of the mobile communication terminal, the input unit for each of the mobile communication terminal, the payment unit payment unit of the purchaser to provide the payment information to the payer interface unit;
Each mobile communication terminal, in a state of being combined with the interface unit for the payer, receives the payment information of the payer, receives authentication information for validating the validity of each mobile communication terminal from the interface unit for the payer, and the After generating the payment information identifier for payment of the payer using the received payment information and authentication information, transmit it to the interface unit for the payer,
The payment unit interface unit is configured to output the payment information identifier so that the payment terminal possessed by the payment terminal recognizes the payment information identifier and requests payment to the payment server to the payment server. A payment interface system characterized in that payment is made to the payer only when the validity of each mobile communication terminal is authenticated based on authentication information extracted from the payment information identifier received from each mobile communication terminal. .
According to claim 4,
The authentication information, the payment interface system, characterized in that it is stored in the interface unit for the payer, the identification information for the seller to the retailer identifier, or a unique authentication identifier as the identification information for the interface unit for the payer.
The method of claim 5,
The interface unit for the payer, when stored in the interface unit for the payer, the authentication information delivered to each mobile communication terminal and the authentication information extracted from the payment information identifier received from the mobile communication terminal coincide. Payment interface system characterized in that it is determined that the validity of each mobile communication terminal is authenticated.
A mobile communication terminal unit for a seller including at least one mobile communication terminal;
An interface unit for a payer that can be combined with each of the mobile communication terminals and provides payment information of a payer who has purchased a product to the payer; And
Payment server; includes,
Each mobile communication terminal, in a state of being combined with the interface unit for the payer, generates authentication information for payment verification of the payer, and allows the generated authentication information to be output, so that the payment terminal possessed by the payer is authenticated. Make the information aware,
A payment information identifier for payment of the payer is generated and output based on the payment information of the payer, and the payment information identifier is recognized by the payment terminal and the payment terminal requests payment to the payment server from the payment server Function to do,
The payment server determines whether to approve the payment request from the payment terminal according to a comparison result between authentication information recognized by the payment terminal and authentication information extracted from the payment information identifier by the payment terminal. Payment interface system.
The method of claim 7,
The mobile communication terminal, the payment interface system, characterized in that the authentication information is generated by using at least one of a seller identifier that is identification information for each mobile communication terminal and a seller identifier that is identification information for each mobile communication terminal.
The method of claim 8,
Each mobile communication terminal receives and modulates a vendor identifier stored in the interface unit for a payment from the interface unit for a payment to generate and output modulation information of a predefined type as the authentication information,
The payment information identifier is generated and output based on the payment information of the payer and a store identifier stored in the interface unit for the payer,
The payment server is characterized in that the payment request from the payment terminal is approved when the dealer ID identified through demodulation of the modulation information recognized by the payment terminal and the dealer ID extracted from the payment information ID match. Payment interface system.
The method of claim 8,
Each mobile communication terminal modulates a merchant identifier stored in each mobile communication terminal to generate and output modulation information of a predefined type as the authentication information,
The payment information identifier is generated and output based on the payment information of the payer and a store identifier stored in the interface unit for the payer,
The payment server, if the relationship between the merchant identifier, which is identified through demodulation of the modulation information recognized by the payment terminal, and the dealer identifier extracted from the payment information identifier, satisfies a predefined correspondence from the payment terminal Payment interface system characterized in that to approve the payment request.
The method of claim 8,
Each mobile communication terminal generates the authentication information by further using the first time information for the current time point,
The payment request for the payer made through the payment terminal includes first time information grasped based on the authentication information recognized by the payment terminal, and a time point when the authentication information is obtained by the payment terminal. Payment interface system, characterized in that proceeds only when the error between the time information is less than a preset reference value.
The method of claim 8,
Each mobile communication terminal generates the authentication information by further using the first time information for the current time point,
The payment server requests payment from the payment terminal only when the error between the first time information and the second time information for the current time point is less than or equal to a preset reference value based on the authentication information recognized by the payment terminal. Payment interface system, characterized in that for initiating the determination of whether to approve.
A mobile communication terminal unit for a seller including at least one mobile communication terminal;
An interface unit for a payer that can be combined with each of the mobile communication terminals and receives payment information of a payer who has purchased a product and provides it to the payer; And
Payment server; includes,
Each mobile communication terminal, in the state of being combined with the interface unit for the payer, for the payment of the payer by using the authentication information for the payment authentication of the payer and the payment information of the payment received from the interface unit for the payer Generating a payment information identifier, and outputting the payment information identifier so that the payment terminal possessed by the payer recognizes the payment information identifier and requests payment to the payment server to the payment server,
The payment server, payment interface system characterized in that to determine whether to approve the payment request from the payment terminal according to the analysis result of the authentication information extracted from the payment information identifier by the payment terminal.
The method of claim 13,
Each mobile communication terminal generates the payment information identifier by using the payment information together with the identification information of the seller as the authentication information as the authentication information, and the seller identifier as the identification information for each mobile communication terminal. Payment interface system.
The method of claim 14,
The payment server, the payment interface characterized in that the payment request from the payment terminal when the relationship between the merchant identifier and the seller identifier extracted from the payment information identifier by the payment terminal satisfies a predefined correspondence relationship system.
A mobile communication terminal unit for a seller including at least one mobile communication terminal;
An interface unit for a payer that can be combined with each of the mobile communication terminals and receives payment information of a payer who has purchased a product and provides it to the payer; And
External server; and
Each mobile communication terminal transmits authentication information for authentication of combination validity premised to perform payment for the payment to the external server, wherein the combination validity is the first combination validity between the seller and the seller, and And at least one of a second combination validity between each mobile communication terminal and the payment unit interface unit,
The external server determines that the combination validity is authenticated when the received authentication information satisfies a predefined authentication relationship,
Each mobile communication terminal, payment interface system characterized in that it operates as an authentication terminal to perform payment for the payer only when the combination validity is authenticated by the external server.
The method of claim 16,
The authentication information that each mobile communication terminal delivers to the external server is:
A first identifier including at least one of a seller identifier as identification information for the seller and a terminal identifier as an identifier for each mobile communication terminal; And
And a second identifier stored in the interface unit for the payer, including at least one of a dealer identifier that is identification information for the seller and a unique authentication identifier that is identification information for the interface unit for the payer. Interface system.
The method of claim 17,
The external server determines that the first combination validity is authenticated when the seller identifier and the seller identifier satisfy a predefined authentication relationship, and the terminal identifier and the unique authentication identifier satisfy a predefined authentication relationship If so, the payment interface system, characterized in that it is determined that the validity of the second combination is authenticated.
The method of claim 17,
After the authentication communication link for authentication of the combination validity is established between each of the mobile communication terminals and the payer interface unit, as the second identifier is transferred from the payer interface unit to each of the mobile communication terminals, the first The authentication information including the first and second identifiers is transmitted from each mobile communication terminal to the external server,
When the combination validity is authenticated by the external server, a payment interface system for establishing a payment communication link for performing payment for the payment is established between each mobile communication terminal and the interface unit for the payment.
The method of claim 19,
When the payment communication link is established,
Each mobile communication terminal receives the payment information of the payer and delivers it to the payer interface unit together with the first identifier,
The interface unit for the payer generates a payment information identifier for payment of the payer using the payment information of the payer, the first identifier, and the second identifier, and the payment information identifier of the payment terminal possessed by the payer Payment interface system, characterized in that for outputting the payment information identifier so as to request payment to the payment server by recognizing.
The method of claim 20,
The external server includes the payment server that determines whether to approve the payment request from the payment terminal and feeds back the approval result.
The payment server, the payment interface system characterized in that to determine whether to approve the payment request from the payment terminal by verifying whether the authentication between the first and second identifiers extracted from the payment information identifier by the payment terminal.

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