KR102155280B1 - Method and System for Enhancing Compatibility with Payment Terminal - Google Patents

Abstract

Disclosed is a payment method and system with improved compatibility with a payment terminal.
According to an aspect of the present embodiment, there is provided a payment method and system for smoothly performing payment with payment terminals using different communication methods.

Description

Payment method and system with improved compatibility with payment terminals {Method and System for Enhancing Compatibility with Payment Terminal}

The present embodiment relates to a payment method and system with improved compatibility with a payment terminal.

The content described in this section merely provides background information on the present embodiment and does not constitute the prior art.

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

The exchange of information takes place using signed data including the card and the unique key of the terminal. In other words, when using the card, the unique key should never be exposed, and when the key is exposed, a third party may charge the card without paying money, or manipulate the amount in the card. Results. In the case of a physical card, the card's unique key is embedded in the card along with the card ID when issuing the card.

Since such a physical first generation card exists separately as a physical medium, there is inconvenience in storage or management. In addition, since anyone in possession can use it, there is a problem that it is not possible to prevent a third party from using the card in case of loss.

In order to solve this problem at the time when the use of smart phones is common, app card applications that can be downloaded and used on smart phones are being released. The App Card application allows a smartphone user to make payments at online and offline affiliated stores without carrying a physical credit card, thereby partially supplementing the problems of the conventional physical first generation card.

However, in such a conventional method, payment can be performed only after the user runs the smartphone for payment and then activates the app card application for payment, and the user must bring the smartphone near the payment terminal. There is an inconvenience in which it is performed. Accordingly, if the user carries a heavy load or has restrictions on both hands, payment may be disrupted.

In addition, in the conventional payment method, a transaction that occurs while the payment is processed is stored in a secure area such as a USIM in a smartphone to proceed with the payment. However, because access to such a security area was limited, payment could be performed only using a single communication method with a conventional smartphone. For example, in order to perform a payment with a payment terminal using NFC, a smartphone for performing payment must use only NFC, and payment can be performed using other communication methods (eg, Bluetooth) other than NFC. There was no. This point is not suitable for the recent payment trend in which various communication methods are used in payment, causing a lot of inconvenience.

Accordingly, while solving the problems of the conventional physical first generation card and the conventional app card payment method, there is a need for a payment that is easier to use.

An object of the present embodiment is to provide a payment method and system that provides necessary data for physical verification so that a payment terminal can initiate payment.

In addition, an object of the present embodiment is to provide a payment method and system that enable smooth payment with payment terminals using different communication methods.

According to an aspect of the present embodiment, in a method of performing payment with a plurality of payment terminals using different communication methods with a previously issued card, the method received from the first payment terminal using the first communication method By transmitting the electronic signature for the payment request to the card management server, the payment with the first payment terminal is completed and the transaction transaction of the previously issued card stored in the card management server can be updated; and A first process of receiving a payment start signal to a previously issued card generated by a second payment terminal using a second communication method and transmitting the received payment start signal to the card management server and the first update A third party receiving the electronic signature together with the transaction transaction updated in the process from the card management server, and transmitting the transaction transaction and the electronic signature updated in the first update process to the second payment terminal using the second communication method. 2 processing and a third processing step of receiving an electronic signature for a payment request from the second payment terminal using the second communication method, and transmitting the received electronic signature for the payment request to the card management server It provides a payment execution method characterized in that the.

According to an aspect of the present embodiment, the transaction transaction includes information on the means in which the payment terminal is arranged, information on the space in which the payment terminal is arranged, information on the type of the means in which the payment terminal is arranged, and the payment terminal It is characterized in that it includes some or all of the information about the information about the transaction type with the payment terminal, and information about the time when the transaction with the payment terminal is completed.

According to an aspect of this embodiment, the transaction transaction is stored only in the card management server.

According to one aspect of the present embodiment, when receiving the electronic signature for the payment request, the card management server performs payment according to the payment request, and updates the stored transaction transaction by reflecting the payment information. .

According to an aspect of the present embodiment, the first communication method and the second communication method are implemented in different communication methods.

According to an aspect of the present embodiment, any one of the first communication method and the second communication method is implemented by short-range wireless communication.

According to an aspect of the present embodiment, in a method of performing payment with a plurality of payment terminals using different communication methods with a previously issued card, the method received from the first payment terminal using the first communication method By transmitting the electronic signature for the payment request to the card management server, the payment with the first payment terminal is completed and the transaction transaction of the previously issued card stored in the card management server can be updated; and A first process of receiving a payment start signal to a previously issued card generated by a second payment terminal using a second communication method and transmitting the received payment start signal to the card management server and the first update A third party receiving the electronic signature together with the transaction transaction updated in the process from the card management server, and transmitting the transaction transaction and the electronic signature updated in the first update process to the second payment terminal using the second communication method. 2 processing and a third processing step of receiving an electronic signature for a payment request from the second payment terminal using the second communication method, and transmitting the received electronic signature for the payment request to the card management server It provides a computer-readable recording medium in which a program for executing the payment execution method characterized in that it is characterized in that the computer is recorded.

According to an aspect of the present embodiment, in a terminal that performs payment with a plurality of payment terminals using different communication methods using a previously issued card, a signal for payment with the first payment terminal using the first communication method Using at least one of the second communication unit and the first communication unit and the second communication unit, the second communication unit for transmitting and receiving a signal for payment with the second payment terminal and the card management server using a second communication method and By transmitting the electronic signature for the payment request received from any one of the first payment terminal and the second payment terminal to the card management server, payment with either the first payment terminal and the second payment terminal is completed. Controls to update the transaction transaction of the previously issued card stored in the card management server, and by using at least one of the first communication unit and the second communication unit, one of the first payment terminal and the second payment terminal It provides a terminal, characterized in that it comprises a control unit for controlling to transmit and receive a signal for payment in order to perform payment with the other one.

According to an aspect of the present embodiment, the transaction transaction includes information on the means in which the payment terminal is arranged, information on the space in which the payment terminal is arranged, information on the type of the means in which the payment terminal is arranged, and the payment terminal It is characterized in that it includes some or all of the information about the information about the transaction type with the payment terminal, and information about the time when the transaction with the payment terminal is completed.

According to an aspect of this embodiment, the transaction transaction is stored only in the card management server.

According to an aspect of the present embodiment, the first communication unit and the second communication unit are characterized in that they transmit and receive signals with each payment terminal using different communication methods.

According to an aspect of the present embodiment, any one of the first communication unit and the second communication unit may transmit and receive signals to and from each payment terminal using short-range wireless communication (NFC).

As described above, according to an aspect of the present embodiment, the payment relay device provides necessary data for physical verification so that the payment terminal can start payment, so that payment can be started even if the user does not move the terminal near the payment terminal. There is an advantage to be able to

In addition, according to an aspect of the present embodiment, there is an advantage of providing compatibility for each payment terminal using a different communication method, so that payment with each payment terminal is smoothly performed.

1 is a diagram showing the configuration of a payment system according to an embodiment of the present invention.
2 is a diagram showing the configuration of a terminal according to an embodiment of the present invention.
3 is a diagram showing the configuration of a payment relay device according to an embodiment of the present invention.
4 is a diagram showing the configuration of a payment terminal according to an embodiment of the present invention.
5 is a diagram showing the configuration of a card management server according to an embodiment of the present invention.
6 is a timing chart illustrating a process of performing card authentication with a first payment terminal according to an embodiment of the present invention.
7 is a flowchart illustrating a method of authenticating a first payment terminal and a card by a payment relay device according to an embodiment of the present invention.
8 is a timing chart illustrating a process of performing card authentication with a second payment terminal according to an embodiment of the present invention.
9 is a timing chart illustrating a process in which a terminal performs payment with a first payment terminal according to an embodiment of the present invention.
10 is a timing chart illustrating a process in which a terminal performs payment with a second payment terminal according to an embodiment of the present invention.
11 is a flowchart illustrating a method of performing a payment with first and second payment terminals by a terminal according to an embodiment of the present invention.

In the present invention, various changes may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and described in detail. However, this is not intended to limit the present invention to a specific embodiment, it is to be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, similar reference numerals have been used for similar elements.

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

When a component is referred to as being "connected" or "connected" to another component, it is understood that it may be directly connected or connected to the other component, but other components may exist in the middle. Should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle.

The terms used in the present application are used only to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "include" or "have" should be understood as not precluding the possibility of existence or addition of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification. .

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

Terms as defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in this application. Does not.

In addition, each configuration, process, process, or method included in each embodiment of the present invention may be shared within a range not technically contradicting each other.

1 is a diagram showing the 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 a terminal 110, a payment relay device 120, an RF antenna 125, a payment terminal 130, 135, and a card management server. Includes 140.

The terminal 110 is a device for performing payment with the payment terminals 130 and 135 using a previously issued card.

The terminal 110 connects the payment relay device 120 and a session for wireless communication. The terminal 110 scans an existing device for connection of a session, recognizes a specific identifier of the payment relay device 120 among the scanned devices, and connects the payment relay device 120 with the session. Here, in the wireless communication, a session can be connected between the terminal 110 and the payment relay device 120 even without a separate input from the user of the terminal 110, even if the terminal 110 does not access the payment relay device 120 Any type to which the session can be connected may be used, and for example, Bluetooth may correspond to this. When wireless communication is implemented by Bluetooth, the terminal 110 and the payment relay device 120 may be paired with each other as a session is connected. Hereinafter, for convenience of explanation, the wireless communication is limited to being implemented by Bluetooth, but any wireless communication having the above-described properties may be substituted.

The terminal 110 transmits and receives necessary data after connecting the session with the payment relay device 120. The terminal 110 must perform authentication in order to use the service provided by the payment relay system. Thus, so that the payment relay device 120 can check whether the card to be used by the terminal 110 is a card subscribed to the corresponding service, the terminal 110 stores the ID of the card previously issued to the payment relay device 120. send.

The terminal 110 receives a signal for validating the card from the payment relay device 120 and transmits a signal for authenticating the validity of the card to the payment relay device 120. The terminal 110 receives a signal for validating the card to be checked by the first payment terminal 130 through the payment relay device 120 instead of the first payment terminal 130. As described above, since the terminal 110 is connected and communicated with the payment relay device 120 without a separate input, the terminal 110 does not need to be activated. In addition, since the terminal 110 receives a signal that the first payment terminal 130 wants to check from the payment relay device 120, not the payment terminal 130, through wireless communication, the user of the terminal 110 Even if 110) is not brought near the first payment terminal 130, signal transmission and reception may be performed.

Thereafter, the terminal 110 receives a signal or signature for payment from the payment relay device 120 and transmits it to the card management server 140, or receives from the card management server 140 and transmits it to the payment relay device 120. do. Again, as described above, the terminal 110 does not need to be activated, and the terminal 110 does not need to approach the first payment terminal 130.

Meanwhile, the terminal 110 performs payment with the second payment terminal 135 using short-range wireless communication. In performing a payment with the second payment terminal 135, the terminal 110 allows payment to be processed in a conventional payment method using direct short-range wireless communication without using a separate payment relay device. Terminal 110 is a short-range wireless communication, for example, a second payment terminal (for example, a signal or signature for authentication and payment of the card in a conventional communication method that requires physical access to the payment terminal to proceed with payment) 135), the card management server 140 allows payment with the second payment terminal 135 to proceed.

In this case, the terminal 110 may complete the payment with any one of the first payment terminal 130 and the second payment terminal 135 and then proceed with the payment with the other payment terminal. However, the present invention is not limited thereto, and when payment occurs multiple times when using a service such as a bus or subway, there is also a case where payment must be performed with both the first payment terminal 130 and the second payment terminal 135 exist. For example, in the case of a subway, a payment relay device 120 is installed at a specific station, so that payment can be made with the first payment terminal 130 even if the terminal 110 is not activated or nearby. Since there is no installation of the payment relay device 120 in the station, payment can be made using the second payment terminal 135 and a conventional payment method (a method in which payment is performed by accessing the terminal as a payment terminal). In this situation, when the terminal 110 performs payment with the first payment terminal 130 through the payment relay device 120 when boarding, and directly with the second payment terminal 135 when getting off, May exist. At this time, the terminal 110 performs payment with any one payment terminal, and then performs payment with another payment terminal without difficulty. A transaction transaction including information necessary for the payment process and the payment information to be processed is stored in the card management server 140, so that payment and update of the transaction transaction are performed in the card management server 140. For this reason, the terminal 110 does not have any restrictions on the progress of payment with each payment terminal and access to the transaction transaction, even if each payment terminal uses a different communication method. You can proceed. A detailed description of this will be described with reference to FIGS. 2 and 6 to 11.

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

A session for wireless communication is connected to the terminal 110 and the payment relay 120. The payment relay device 120 has a specific identifier that allows the terminal 110 to easily check after scanning. The terminal 110 connects the payment relay device 120 and the session by recognizing the specific identifier. As an example described above, when wireless communication is implemented by Bluetooth, the payment relay device 120 may be paired with one terminal as well as paired with a plurality of terminals at the same time to transmit and receive signals or data with a plurality of terminals.

The payment relay device 120 receives the card ID from the terminal 110 and authenticates the card. The payment relay device 120 receives the ID of the card intended to be used by the terminal 110 from the terminal 110 using a connected session, and checks whether the card is a card subscribed to a service provided by the payment relay system.

When the card is a card to which the corresponding service has been subscribed, the payment relay device 120 performs physical verification with the first payment terminal 130 by controlling the RF antenna 125. In order to initiate payment between the first payment terminal 130 and the card, the card must be close to the first payment terminal 130 and undergo physical verification, and then the payment is started only after software verification. The payment relay device 120 controls the RF antenna 125 to perform physical verification with the first payment terminal 130, thereby replacing the proximity of the terminal 110 including a card or an app card. The payment relay device 120 is physically connected to the RF antenna 125, checks the signal or data received by the RF antenna 125, and transmits the 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 first payment terminal 130, the payment relay device 120 allows the RF antenna 125 to perform physical authentication of the card. A corresponding signal is provided to the RF antenna 125 so that the signal can be transmitted to the first payment terminal 130. The payment relay device 120 recognizes the payment terminal 130 as if there is a physically verified card capable of performing payment with the first payment terminal 130 near the first payment terminal 130. The payment relay device 120 does not perform verification on behalf of the terminal using information on the card that the actual terminal 110 wants to use (for payment, etc.), but the terminal 110 does not perform verification on the card that the terminal 110 wants to use (for payment, etc.). Regardless of the information, the physical verification of the card intended to be used by the terminal 110 is replaced by using data stored in the payment relay device 120 for physical verification. That is, when the card is a card to which the service has been subscribed, the payment relay device 120 performs physical verification of the card using pre-stored data regardless of the card information used by the actual terminal. Thus, the first payment terminal 130 completes physical verification for performing payment.

The payment relay device 120 communicates with the first payment terminal 130 using an RF antenna, and wirelessly communicates with the terminal 110 by a connected session, and transmits and receives signals or data to be transmitted and received for card validation and payment. Transfer from one device to another.

The RF antenna 125 is physically connected to the payment relay device 120 to transmit a signal or data provided from the payment relay device 120 to the first payment terminal 130 or receive from the first payment terminal 130 One signal or data is transmitted to the payment relay device 120. The RF antenna 125 transmits and receives signals or data using short-range communication such as NFC communication with the first payment terminal 130. The RF antenna 125 communicates with the first payment terminal 130 using short-range communication. Since the RF antenna 125 physically connected to the payment relay device 120 performs communication with the first payment terminal 130, the payment relay device 120 controls the signal or data to be transmitted using the RF antenna. 1 Can be transmitted to the payment terminal 130.

The payment terminals 130 and 135 are devices that verify an access card and perform payment with the verified card.

The payment terminals 130 and 135 directionally or omnidirectionally transmit signals for performing physical and software verification of the card at preset intervals. The first payment terminal 130 performs physical and software verification of the card with the payment relay device 120 or terminal 110 by using communication with the RF antenna 125. The second payment terminal 135 directly communicates with the terminal 110, thereby performing (physical and software) verification of the card.

When the verification is complete, the payment terminals 130 and 135 communicate with the terminal 110 via the RF antenna 125 or directly communicate with the terminal 110, and finally perform payment by communicating with the card management server 140. do. The payment terminal 130 receives a transaction transaction from the card management server 140 to determine the payment amount, and requests payment for the payment amount by sending and receiving an electronic signature with the card management server 140.

The card management server 140 is a device that performs payment with the payment terminal 130 using a card previously issued by the terminal 110.

The card management server 140 communicates with the payment terminal 130 via the terminal 110, the payment relay 120 and the RF antenna 125, and transmits and receives information necessary for payment. Card management server 140 is connected to the terminal 110 using wireless communication such as LTE, Wi-fi, etc., by sending and receiving an electronic signature with the payment terminal 140, the payment terminal 140 Make a payment.

When performing a transaction using a card issued by the terminal 110, the card management server 140 stores a transaction transaction for the processed transaction. A transaction transaction refers to a sequential recording of information on a transaction (payment) performed by the terminal 110, and includes information on the means in which the payment terminal is arranged, information on the space in which the payment terminal is arranged, and the payment terminal. It includes some or all of the information on the type of the arranged means, information on the payment terminal, information on the type of transaction with the payment terminal, and information on the time when the transaction with the payment terminal is completed. The information on the means in which the payment terminal is arranged is information for confirming in which means the payment terminal is arranged for payment, such as transportation, and includes, for example, a bus, a subway, or a taxi. The information on the space in which the payment terminal is placed is information for confirming where the payment terminal is placed in the corresponding method.For example, if the method is a subway, it is used to confirm the payment terminal in which station is placed. Information. The information on the type of means in which the payment terminal is arranged is information indicating what kind of means the payment terminal is arranged in when there are multiple types of corresponding means. For example, when the corresponding method is a subway, information about the type of the method in which the payment terminal is arranged may indicate on which line the payment terminal is arranged. The information of the payment terminal is identification information that can identify each payment terminal. For example, in the case of a payment terminal arranged in a subway station, it may be a gate number of each gate. The information on the type of transaction with the payment terminal is information on the type of payment with the payment terminal with a previously issued card.For example, in the case of a payment terminal arranged on a subway or bus, payment with the payment terminal Indicates whether it is for boarding, getting off, or transferring. The information on the time when the transaction with the payment terminal is completed refers to the time when payment has been made and completed in the card management server 140. In the transaction transaction, information on the time when the transaction is completed is included, so that when the terminal 110 wants to proceed with the payment terminal arranged in the transportation means, the payment terminal determines whether to board, get off, or transfer the terminal. , Based on this, the payment amount can be calculated. These transaction transactions may be stored only in the card management server 140, not the terminal 110. Since the transaction transaction is stored only in the card management server 140, the terminal 110 can access the transaction transaction without unreasonableness, even if the terminal 110 wishes to perform payment with a payment terminal using any kind of communication method, and various communication with the payment terminal. By providing it using a method, payment can proceed smoothly. That is, since the transaction transaction is stored separately from the terminal 110, compatibility of payment with various payment terminals is ensured.

In the conventional payment system, payment was performed at the terminal, and the transaction transaction was updated at the terminal. This is equipped with a security area such as USIM in the terminal, so that the information necessary for transaction and transaction It was stored and possible. However, in the conventional transaction system, in order to maintain security, only a communication method using a specific communication method can access the security area within the terminal, and the other communication methods cannot access the security area within the terminal. For this reason, whether or not to pay is determined according to the communication method, and when the communication method with the payment terminal is changed during the provision of one service, there is a problem that payment is impossible. However, in the payment system according to an embodiment of the present invention, since the transaction transaction is updated and the payment is performed in the card management server, there are no restrictions in access to the payment and transaction Even if payment is continuously performed with the payment terminal in use, there are no restrictions.

When a payment request for the payment amount of the payment terminals 130 and 135 is received from the terminal 110, the card management server 140 processes the requested payment and updates the transaction transaction. The card management server 140 proceeds with the payment and immediately updates the transaction transaction, so that not only when the payment is completed with one payment terminal, but also with multiple types of payment terminals (different communication methods) during one service. Even if the payment is made, the payment can proceed without difficulty. A detailed description of this will be described with reference to FIG. 5.

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

Referring to FIG. 2, a terminal 110 according to an embodiment of the present invention includes a first communication module 210, a second communication module 215, a control module 220, and a memory unit 230.

The first communication module 210 transmits and receives information to and from the payment relay device 120 or the card management server 140 at a distance using a communication method other than short-range wireless communication. The first communication module 210 transmits and receives information with the payment relay device 120 or the card management server 140 using a communication method such as Bluetooth or Wi-Fi.

The first communication module 210 scans devices that exist within a certain range and receives an identifier of each device in order to connect a session for wireless communication. Thereafter, the first communication module 210 connects the payment relay device 120 and a session for wireless communication.

The first communication module 210 transmits the card ID to the payment relay device 120.

The first communication module 210 receives the validity verification signal of the card from the payment relay device 120 and transmits the validity authentication signal of the card to the payment relay device 120.

In order to proceed with payment, the first communication module 210 receives an electronic signature including a transaction transaction or an electronic signature indicating that the payment has been completed from the card management server 140 and transmits it to the payment relay device 120. Alternatively, the first communication module 210 transmits a payment initiation signal received from the payment relay device 120 or received from the second payment terminal using the second communication module 215 or an electronic signature for a payment request to a card management server ( 140).

The second communication module 215 connects the second payment terminal 135 and the session using short-range wireless communication. Unlike the first communication module 210, the second communication module 215 uses short-range wireless communication, and thus directly connects the session with the second payment terminal 135 instead of the payment relay device 120.

The second communication module 215 transmits/receives information about card authentication to and from the second payment terminal 135 before performing a payment using a previously issued card. The second communication module 215 receives a software verification request such as validity of a card, along with a physical verification request such as eligibility and data format, from the second payment terminal 135, and receives a signal for authenticating it from the second payment terminal 135. Transfer to.

The second communication module 215 receives a payment initiation signal and an electronic signature for a payment request from the second payment terminal 135.

The control module 220 recognizes a specific identifier of the payment relay device 120 among the scanned identifiers of each device. Since the payment relay device 120 has a specific identifier that can be distinguished from other devices, the control module 220 recognizes the payment relay device 120 among the scanned identifiers of each device. The control module 220 controls the communication module 210 to connect the recognized payment relay device 120 and the session.

When the payment relay device and the session are connected, the control module 220 controls the first communication module 210 to transmit the card ID to the payment relay device 120.

When receiving the card validity verification signal, the control module 220 generates a signal for authenticating the card validity. The validity verification signal of the card is a software verification signal for confirming whether the terminal is using a valid application or a card subscribed to the service. The control module 220 uses the information stored in the memory unit 230 to generate a card validity authentication signal including card ID or application information to verify the validity of the card. The control module 220 controls the first communication module 210 to transmit a card validity authentication signal to the payment relay device 120.

Similarly, when the second communication module 215 receives the verification signal of the card from the second payment terminal 135, the control module 220 uses the information stored in the memory unit 230 to authenticate the card. Create The control module 220 controls the second communication module 215 to transmit a signal for authenticating the card to the second payment terminal 135.

The control module 220 transmits the payment initiation signal, transaction transaction, or electronic signature received from the payment relay device 120 or the second payment terminal or the card management server 140 in another configuration. Control.

The memory unit 230 stores the identifier of the payment relay device 120. Even if the terminal 110 is not activated for the session connection, the memory unit 230 stores the identifier of the payment relay device 120 so that the session can be connected with the payment relay device 120.

The memory unit 230 stores information necessary for card authentication. The terminal 110 determines whether the card previously issued is physically qualified, has an appropriate data format, can use a payment relay service, or is a valid card in software 130 and 135), the memory unit 230 stores information necessary for physical and software authentication of the card, including the ID of the previously issued card.

3 is a diagram showing the configuration of a payment relay device according to an embodiment of the present invention.

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

When a session for wireless communication is connected, the communication module 310 receives a card ID from the terminal 110.

The communication module 310 transmits a validity verification signal of the card to the terminal 110 and receives a validity authentication signal of the card from the terminal 110.

The communication module 310 transmits a payment start signal to the terminal 110 and receives an electronic signature from the terminal 110. An electronic signature for requesting payment is transmitted to the terminal 110, and an electronic signature indicating that the payment is completed is received from the terminal 110.

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

The control module 320 controls the communication module 310 to transmit the payment initiation signal or electronic signature received from any one of the first payment terminal 130 or the card management server 140 to the other configuration. .

The memory unit 330 stores ID information of cards subscribed to the service. The memory unit 330 stores ID information of the card subscribed to the service so that the control module 320 can check 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 necessary for physical authentication of the card, and 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. . Here, the information for authenticating the eligibility of the card and the information for authenticating the data format may be information conforming to ISO/IEC 14443, an international standard for NFC. The information stored in the memory unit 330 is information stored to perform physical authentication with the first payment terminal 130, and is irrelevant to the card information that the terminal 110 has previously issued for payment and intends to use. That is, the memory unit 330 does not store or does not store information on the card that the terminal 110 actually intends to use, and any (card) information that enables the terminal 110 to perform physical authentication is stored.

The emulation module 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 module 340 operates under the control of the control module 320 and provides information necessary for physical authentication of the card to the RF antenna 125. When the RF antenna 125 receives a signal requesting verification of the card's eligibility from the first payment terminal 130, the emulation module 340 uses the RF antenna 125 to determine the eligibility of the card stored in the memory unit 330. Information to authenticate By operating the emulation module 340 in this way, the first payment terminal 130 is as if a physically competent card capable of performing payment with itself, regardless of whether the actual terminal 110 intends to use a card. You can perceive it as if it exists nearby. Thereafter, when the RF antenna 125 receives a signal requesting verification of the data format used from the first payment terminal 130, the emulation module 340 is stored in the memory unit 330 as the RF antenna 125. Information for authenticating that a format corresponding to the data format used by the first payment terminal 130 is used is transmitted. When the emulation module 340 operates in this manner, the first payment terminal 130 may recognize that a card having the same data format as that of itself exists nearby. The emulation module 340 allows physical authentication of the payment terminal 130 and the card, so that the user of the terminal including the card or app card needs to access the card or terminal to the first payment terminal 130 for physical authentication. Discomfort can be relieved.

4 is a diagram showing the configuration of a payment terminal according to an embodiment of the present invention.

Referring to FIG. 4, payment terminals 130 and 135 according to an embodiment of the present invention include a communication module 410, a control module 420, and a memory unit 430.

The communication module 410 transmits a signal for physically verifying the card at preset intervals in order to check whether a card accessing the payment terminal 130 exists. More specifically, the communication module 410 transmits a card eligibility verification signal at preset intervals. When the card qualification signal is received, the communication module 410 transmits a data format verification signal. The communication module 410 enables the physical verification of the card to be completed by receiving the data format authentication signal.

When the physical verification is completed, the communication module 410 transmits a validity verification signal of the card and receives the validity authentication signal of the card, thereby completing the software verification of the card.

When all verification of the card is completed, the communication module 410 transmits a payment start signal to the RF antenna 125 or the terminal 110. The communication module 410 receives an electronic signature from the RF antenna 125 or the terminal 110 together with the transaction transaction. The communication module 810 transmits an electronic signature for requesting payment to the RF antenna 125 or terminal 110, and receives an electronic signature for informing that payment has been completed from the RF antenna 125 or terminal 110. .

The control module 420 controls the communication module 410 to transmit the card eligibility verification signal at preset intervals. When the card's eligibility authentication signal is received, the control module 420 checks whether the card is eligible. The control module 420 checks the eligibility of the card by using data for verifying the eligibility of the card stored in the memory unit 430.

When the card is eligible, the control module 420 controls the communication module 410 to transmit a data format verification signal. When the data format authentication signal is received, the control module 420 checks whether the data format used by the card matches. The control module 420 checks the data format used by the card by using the data for confirming the data format stored in the memory unit 430. Thus, the control module 420 completes the physical verification of the card.

When the physical verification is completed, the control module 420 controls the communication module 410 to transmit a validity verification signal of the card. Even if the card is physically suitable, there may be a case of a card or an application in which the service provided by the payment relay system cannot be used. To confirm this, the control module 420 controls the communication module 410 to transmit a validity verification signal of the card or application to verify the validity of the card or application. When receiving a validity authentication signal of a card or application, the control module 420 uses data (eg, card ID) for validating the card or application stored in the memory unit 430 to determine the validity of the card or application. Check. Accordingly, the control module 420 completes the software verification of the card and completes verification of all cards.

The control module 420 controls the communication module 410 to transmit a payment initiation signal to initiate payment. The control module 420 controls the communication module 410 to transmit a payment initiation signal so that the card management server 140 knows that payment with the payment terminals 130 and 135 needs to be initiated.

When the communication module 410 receives the electronic signature along with the transaction transaction, the control module 420 verifies the electronic signature and generates an electronic signature for requesting payment. At this time, the control module 420 checks the transaction transaction, calculates a payment amount, and generates an electronic signature to request it. The control module 420 generates an electronic signature for requesting payment, and controls the communication module 410 to transmit it.

When the communication module 410 receives an electronic signature indicating that the payment has been completed, the control module 420 may generate a payment detail and store it in the memory unit 430. Using the stored payment details, the payment terminal 140 may later request an external device to process expenses according to the payment details.

The memory unit 430 stores data for checking the suitability of the card, data for checking the data format, and data for checking the software (validity of the card or application) of the card.

The memory unit 430 stores information for an electronic signature so that the electronic signature can be decrypted and generated.

5 is a diagram showing the configuration of a card management server according to an embodiment of the present invention.

Referring to FIG. 5, a card management server 140 according to an embodiment of the present invention includes a communication module 510, a control module 520, a memory unit 530, and a signature value management module 540.

The communication module 510 receives from the terminal 110 a payment start signal to a card that has been authenticated. The communication module 510 transmits the electronic signature to the terminal 110 together with the transaction transaction of the corresponding card.

The communication module 510 receives the electronic signature of the payment terminals 130 and 135 for requesting payment from the terminal 110, and transmits an electronic signature informing that the payment has been completed to the terminal 110.

When receiving a payment initiation signal to a card that has been authenticated, the control module 520 controls the signature value management module 540 to generate an electronic signature for confirming the validity of the corresponding terminal. The control module 520 controls the signature value management module 540 to generate an electronic signature in order to check the validity of the terminal 110 to the payment terminal requesting the start of payment. The control module 520 controls the communication module 510 to transmit the generated electronic signature to the terminal 110.

At this time, the control module 520 controls the communication module 510 to check the transaction transaction of the card that has been previously issued and authenticated by the terminal stored in the memory unit 530 and transmits it together with the electronic signature. The control module 520 controls the communication module 510 to transmit the transaction transaction along with an electronic signature so that the payment terminal receives the transaction transaction and checks it to calculate the transaction amount.

When receiving an electronic signature for requesting payment, the control module 520 proceeds with payment and updates the transaction transaction. The control module 520 checks the received electronic signature and proceeds to pay for the requested payment amount. In addition, the control module 520 performs payment and updates the transaction transaction so that the payment information is reflected in the transaction transaction for the corresponding card. By updating the transaction transaction, the control module 520 detects the payment status of the other payment terminal and calculates the payment amount according to the payment status in case another payment with another payment terminal is made after the payment is completed. Make it possible. For example, when the terminal 110 performs payment with the first payment terminal 130 through the payment relay device 120 when boarding the subway, the control module 520 proceeds with the payment and reflects it to execute a transaction transaction. Update. Accordingly, even if payment is made with the second payment terminal 135 using a different communication method than the first payment terminal 130 when the terminal 110 gets off the subway, the control module 520 uses a transaction transaction. The second payment terminal confirms the transaction transaction and allows the payment to proceed.

The memory unit 530 stores information for checking and generating an electronic signature, and for performing payment. Accordingly, the signature value management module 540 may generate an electronic signature or check the received electronic signature, and the control module 520 may perform payment.

The memory unit 530 stores a transaction transaction for a card previously issued to the terminal 110. Payment is made in the card management server 140, not the terminal 110, and the memory unit 530 so that the terminal 110 can seamlessly access the transaction transaction to perform payment with various payment terminals using various communication methods. ) Stores the transaction transaction.

The signature value management module 540 confirms the electronic signature of the payment terminal received from the terminal 110, or generates an electronic signature for confirming the validity of the terminal or an electronic signature for informing that payment has been completed. The signature value management module 540 confirms the above-described electronic signature using information stored in the memory unit 530 or generates the above-described electronic signature.

6 is a timing chart illustrating a process of performing card authentication with a first payment terminal according to an embodiment of the present invention.

The terminal 110 recognizes the payment relay 120 and connects a session for wireless communication (S610).

After completing the session connection, the terminal 110 transmits the card ID (S615).

The payment relay device 120 checks whether the card of the terminal is a card that can use the service (S620).

The first payment terminal 130 transmits a card eligibility verification signal (S625).

The payment relay device 120 transmits a card eligibility authentication signal to the first payment terminal 130 (S630).

The first payment terminal 130 transmits a data format verification signal (S635).

The payment relay device 120 transmits a data format authentication signal to the first payment terminal 130 (S640).

The first payment terminal 130 transmits the validity verification signal of the card to the terminal 110 through the payment relay device 120 (S645).

The terminal 110 transmits the validity authentication signal of the card to the first payment terminal 130 via the payment relay device 120 (S650).

7 is a flowchart illustrating a method of authenticating a first payment terminal and a card by a payment relay device according to an embodiment of the present invention.

After completing the session connection, the payment relay device 120 receives the card ID from the terminal 110 (S710).

The payment relay device 120 checks whether the received card is a card that can use the service (S720).

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 first payment terminal 130 (S730).

The payment relay device 120 provides data to the RF antenna 125 to transmit the card eligibility authentication signal to the first payment terminal 130 (S740).

The payment relay device 120 receives a data format verification signal from the first payment terminal 130 (S750).

The payment relay device 120 provides data to the RF antenna 125 to transmit a data format authentication signal to the first payment terminal 130 (S760).

The payment relay device 120 receives a card validity verification signal from the first payment terminal 130 and transmits it to the terminal 110 (S770).

The payment relay device 120 receives the card validity authentication signal from the terminal 110 and transmits it to the first payment terminal 130 (S780).

8 is a timing chart illustrating a process of performing card authentication with a second payment terminal according to an embodiment of the present invention.

The second payment terminal 135 transmits a card eligibility verification signal (S810).

The terminal 110 transmits a card eligibility authentication signal to the second payment terminal 135 (S820).

The second payment terminal 135 transmits a data format verification signal (S830).

The terminal 110 transmits a data format authentication signal to the second payment terminal 135 (S840).

The second payment terminal 135 transmits a validity verification signal of the card to the terminal 110 (S850).

The terminal 110 transmits a validity authentication signal of the card to the second payment terminal 135 (S860).

9 is a timing chart illustrating a process in which a terminal performs payment with a first payment terminal according to an embodiment of the present invention. The payment process shown in FIG. 9 may be a process in which the terminal 110 first performs payment with the first payment terminal 130, but while one service is provided, the second payment (using a different communication method) It may be a process after payment with the terminal 135 has been pre-processed.

The first payment terminal 130 transmits a payment start signal to a card that has been authenticated (S910). The first payment terminal 130 transmits a payment initiation signal to a card previously issued by the terminal 110 through the authentication process described with reference to FIG. 6 through the payment relay device 120 and the terminal 110. Send to 140.

The card management server 140 transmits an electronic signature together with the transaction transaction of the corresponding card (S920). The card management server 140 transmits a transaction transaction with an electronic signature so that the first payment terminal 130 can check the payment information performed immediately before the first payment terminal 130 wishes to perform the payment with the corresponding card. . Accordingly, when payment is performed with another payment terminal using the same communication method as the first payment terminal 130, as well as another payment terminal using a different communication method than the first payment terminal 130, payment is performed. Even in the case where the payment is made, since the corresponding payment is reflected in the transaction transaction, the first payment terminal 130 may check the transaction transaction and reflect the payment situation in its own payment amount. For example, assuming that the first payment terminal 130 is a payment terminal disposed at a subway station when getting off, a general payment that does not use a payment relay device 120 such as a second payment terminal when boarding. May have been performed. These contents are reflected in the transaction transaction by the card management server 140. By allowing the first payment terminal 130 to receive and confirm such a transaction transaction, it is possible to calculate how much amount is to be paid because the payment was performed by another payment terminal.

The first payment terminal 130 transmits an electronic signature for requesting payment (S930). The first payment terminal 130 generates an electronic signature to request payment for the payment amount calculated using a transaction transaction, and passes the payment relay device 120 and the terminal 110 to the card management server 140. send.

The card management server 140 proceeds with payment and updates the transaction transaction (S940). The card management server 140 checks the received electronic signature to proceed with payment, and updates the transaction transaction by reflecting the completed payment details in the transaction transaction.

The card management server 140 transmits an electronic signature informing that payment has been completed to the first payment terminal 130 (S950). After completing the payment process, the card management server 140 transmits an electronic signature indicating that the payment has been completed to the first payment terminal 130 through the terminal 110 and the payment relay device 120.

10 is a timing chart illustrating a process in which a terminal performs payment with a second payment terminal according to an embodiment of the present invention. The payment process shown in FIG. 10 may be a process in which the terminal 110 first performs payment with the second payment terminal 135, but while one service is provided, the first payment (using a different communication method) It may be a process after the payment with the terminal 130 has been made in advance.

The second payment terminal 135 transmits a payment start signal to the card that has been authenticated (S1010). The second payment terminal 135 transmits a payment start signal to the card previously issued by the terminal 110, which has undergone the authentication process described with reference to FIG. 8, to the card management server 140 through the terminal 110.

The card management server 140 transmits the electronic signature together with the transaction transaction of the corresponding card (S1020). The card management server 140 transmits a transaction transaction with an electronic signature so that the second payment terminal 135 can check the payment information performed immediately before the second payment terminal 135 wishes to perform the payment with the corresponding card. .

The second payment terminal 135 transmits an electronic signature for requesting payment (S1030). The second payment terminal 135 generates an electronic signature to request payment for the payment amount calculated using a transaction transaction, and transmits it to the card management server 140 through the terminal 110.

The card management server 140 proceeds with payment and updates the transaction transaction (S1040). The card management server 140 checks the received electronic signature to proceed with payment, and updates the transaction transaction by reflecting the completed payment details in the transaction transaction.

The card management server 140 transmits an electronic signature informing that payment has been completed to the second payment terminal 135 (S1050). After completing the payment process, the card management server 140 transmits an electronic signature notifying that the payment has been completed to the second payment terminal 135 via the terminal 110.

11 is a flowchart illustrating a method of performing a payment with first and second payment terminals by a terminal according to an embodiment of the present invention.

The terminal 110 receives a payment start signal for the card that has been authenticated and transmits it to the card management server (S1110). The terminal 110 transmits a payment initiation signal for the card that has passed the authentication from the payment relay device 120 using the first communication module 210 or the second payment terminal 135 using the second communication module 215 It is directly received from and transmitted to the card management server 140 using the first communication module 210.

The terminal 110 receives and transmits the electronic signature together with the transaction transaction of the corresponding card from the card management server (S1120). The terminal 110 receives the electronic signature together with the transaction transaction of the corresponding card from the card management server 140 using the first communication module 210, and uses the first communication module 210 to receive the electronic signature. 120) or directly to the second payment terminal 135 using the second communication module 215.

The terminal 110 receives an electronic signature for requesting payment and transmits it to the card management server 140 (S1130). The terminal 110 receives an electronic signature for requesting payment from the payment relay device 120 using the first communication module 210 or directly from the second payment terminal 135 using the second communication module 215. Upon receipt, it is transmitted to the card management server 140 using the first communication module 210.

The terminal 110 receives and transmits an electronic signature notifying that payment has been completed from the card management server (S1140). The terminal 110 receives an electronic signature informing that payment has been completed from the card management server 140 using the first communication module 210, and the payment relay device 120 using the first communication module 210 Or directly to the second payment terminal 135 using the second communication module 215.

In FIGS. 6 to 11, 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, a person of ordinary skill in the art to which an embodiment of the present invention belongs can change the order of the processes described in each drawing without departing from the essential characteristics of the embodiment of the present invention, or perform one or more of the processes. Since the process is executed in parallel, various modifications and variations may be applied, and thus FIGS. 6 to 11 are not limited to a time series order.

Meanwhile, the processes illustrated in FIGS. 6 to 11 can be implemented as computer-readable codes on a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices that store data that can be read by a computer system. That is, the computer-readable recording media include storage media such as magnetic storage media (eg, ROM, floppy disk, hard disk, etc.) and optical reading media (eg, CD-ROM, DVD, etc.). In addition, the computer-readable recording medium can be distributed over a computer system connected through a network to store and execute computer-readable codes in a distributed manner.

The above description is merely illustrative of the technical idea of the present embodiment, and those of ordinary skill in the technical field to which the present embodiment belongs will be able to make various modifications and variations without departing from the essential characteristics of the present embodiment. Accordingly, the present embodiments are not intended to limit the technical idea of the present embodiment, but to explain the technical idea, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of this embodiment should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present embodiment.

100: payment system
110: terminal
120: payment relay device
125: RF antenna
130, 135: payment terminal
140: card management server
210, 310, 410, 510: communication module
220, 320, 420, 520: control module
230, 330, 430, 530: memory unit
340: emulation module
540: signature value management module

Claims (12)

In the method of performing payment with a plurality of payment terminals respectively using different communication methods with a card previously issued by a terminal,
By transmitting the electronic signature for the payment request received from the first payment terminal to the card management server using the first communication method, the previously issued card, which is stored in the card management server after payment with the first payment terminal is completed A first update process that allows the transaction transaction of the transaction to be updated;
A first processing step of receiving a payment initiation signal to a previously issued card generated by a second payment terminal using a second communication method and transmitting the received payment initiation signal to the card management server;
The second payment terminal receives the electronic signature along with the transaction transaction updated in the first update process from the card management server, and the transaction transaction and the electronic signature updated in the first update process using the second communication method. A second process of transmitting to And
A third processing step of receiving an electronic signature for a payment request from the second payment terminal using the second communication method, and transmitting the received electronic signature for the payment request to the card management server,
In any one of the first communication method and the second communication method, the terminal connects a payment relay device and a wireless communication session so that signals can be transmitted and received even if the terminal does not approach the payment terminal. Transmit and receive signals or data to be transmitted and received for validation and payment of the terminal and card,
In the remaining one of the first communication method and the second communication method, the terminal physically accesses the payment terminal using short-range wireless communication to transmit and receive signals or signatures for authentication and payment of the card,
The transaction transaction is separated from the terminal and stored in the card management server so that there is no restriction on access to update the transaction transaction in the terminal,
Through the first processing process or the third processing process, payment and transaction transaction are updated in the card management server,
The first payment terminal and the second payment terminal transmit and receive signals using short-range wireless communication in which payment can proceed only when physical access to the payment terminal is possible,
The payment relay device connects the terminal and a session for wireless communication, and performs short-range wireless communication with either a first payment terminal or a second payment terminal using an RF antenna,
The payment relay device receives the card ID from the terminal to authenticate the card, and if the card is a preset card, it controls the RF antenna to physically communicate with either the first payment terminal or the second payment terminal by using pre-stored data. By performing verification, a payment execution method, characterized in that the proximity of the terminal is replaced by recognizing that there is a physically verified card capable of performing payment in the vicinity of either the first payment terminal or the second payment terminal. . The method of claim 1,
The transaction transaction,
Information on the means in which the payment terminal is arranged, information on the space in which the payment terminal is arranged, information on the type of the means in which the payment terminal is arranged, information on the payment terminal, and the type of transaction with the payment terminal A method of performing payment, comprising some or all of information and information on a time when a transaction with the payment terminal is completed. delete The method of claim 2,
The card management server,
When receiving the electronic signature for the payment request, payment is performed according to the payment request, and the stored transaction transaction is updated by reflecting payment information. delete delete A computer-readable recording medium in which a program for executing the method of claim 1, 2 or 4 on a computer is recorded. In a plurality of payment terminals and a terminal that performs payment respectively using a different communication method with a previously issued card,
A first communication unit for transmitting and receiving a signal for payment with the first payment terminal using a first communication method;
A second communication unit for transmitting and receiving a signal for payment with a second payment terminal and a card management server using a second communication method; And
By using at least one of the first communication unit and the second communication unit, by transmitting an electronic signature for a payment request received from one of the first payment terminal and the second payment terminal to the card management server, the card management server In the first payment terminal and the second payment terminal in which payment is performed with any one of the first payment terminal and the payment is completed and the control to update the transaction transaction of the previously issued card stored in the card management server,
And a control unit for controlling to transmit and receive a signal for payment in order to perform payment with the other one of the first payment terminal and the second payment terminal using at least one of the first communication unit and the second communication unit,
In any one of the first communication method and the second communication method, the terminal connects a payment relay device and a wireless communication session so that signals can be transmitted and received even if the terminal does not approach the payment terminal. Transmit and receive signals or data to be transmitted and received for validation and payment of the terminal and card,
In the remaining one of the first communication method and the second communication method, the terminal physically accesses the payment terminal using short-range wireless communication to transmit and receive signals or signatures for authentication and payment of the card,
The first payment terminal and the second payment terminal transmit and receive signals using short-range wireless communication in which payment can proceed only when physical access to the payment terminal is possible,
The payment relay device connects the terminal and a session for wireless communication, and performs short-range wireless communication with either a first payment terminal or a second payment terminal using an RF antenna,
The payment relay device receives the card ID from the terminal to authenticate the card, and if the card is a preset card, it controls the RF antenna to physically communicate with either the first payment terminal or the second payment terminal by using pre-stored data. A terminal, characterized in that by performing the verification, the proximity of the terminal is replaced by recognizing that there is a physically verified card capable of performing payment in the vicinity of either the first payment terminal or the second payment terminal. The method of claim 8,
The transaction transaction,
Information on the means in which the payment terminal is arranged, information on the space in which the payment terminal is arranged, information on the type of the means in which the payment terminal is arranged, information on the payment terminal, and the type of transaction with the payment terminal A terminal comprising some or all of information and information on a time when a transaction with the payment terminal is completed.


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